vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-22 00:00:00
Product: Other financial service — Refund anticipation check
Issue: Unexpected/Other fees — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL

Complaint narrative:
I order an item on XXXX, attempted to pay it with a card through my XXXX account XXXX for {$10.00}. When it went through XXXX I would deposit {$15.00} and then I cancelled the item on, ordered on around XXXX the XXXX. I had an over draft fee on my account which was taken away due to my carelessness. I have asked several times for the over draft to be placed back, I was told no. I got a letter from Iberia last week on the XX/XX/XXXX. I cancelled the item with XXXX and when I checked I owe Iberia {$90.00}. I called and asked to speak to a customer service and was told that it could not be taken off. I called XXXX who really was not sure what to do, I spoke to another customer relations and was told the same thing. I like this bank I am just overwhelmed with this charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: VT

Complaint narrative:
XXXX NAVIENT ACCT # XXXX Exactly what you found with XXXX/ Navient in the press release happened to me. I was recommended to refinance in XX/XX/XXXX and XX/XX/XXXX, which I did. Also, with economic hardship, I was unable to make full payments, so the representative directed me which form I needed to fill out and submit so my loan would not go into default. I was told to pay what I am able to. There were no options given, just " this is what you need to do. '' and I follow their instructions. My XXXX XXXX School Loans were disbursed from XX/XX/XXXX-XX/XX/XXXX for XXXX totaling {$160000.00}. 
{$230000.00} TOTAL payments XX/XX/XXXX-XX/XX/XXXX ( current date ) {$200000.00} is my current balance. Mind boggling!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient unresponsive to written requests.. overcharges, payments not recorded correctly.. loan consolidations twice then told they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2016 I make a Deposit in my Bank of America business account XXXX XXXX # XXXX for {$1300.00}, on XXXX/XXXX/2016 Bank of America make unauthorized withdraw total XXXX from my account, claiming for XXXX ID:XXXX XXXX, I did not authorize Bank of America to make on with draw from my account. can you help please?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
This is pertaining to a loan I co-signed for a friend because she needed help getting a loan for school. I was under the impression that I can get out of being a co-signer after two years if my friend was able to show proof that she is able to take care of the loan herself. Navient ( which is part of XXXX ) made that promise to us and yet here we are 8 years later and they have refused my friend 's request twice to take me off as a co-signer. She has shown for the past 8 years that she can pay her loans on time ( she has never missed a payment ), and her and her significant other make more than enough money to be able to continue to pay for her school loan without my assistance as a co-signer, so basically NavientXXXX is essentially taking me hostage, when they themselves said I could be taken off the loan after two years of showing that she is responsible enough to make payments consistently, which she clearly has not missed at all. Navient/XXXX should n't be making false claims like this and giving people like me a false sense of hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I would like to add my complaint/ experience to the suit regarding the problems with Navient, which financed my students loans until XX/XX/2016 when I was able to move and consolidate them with XXXX. I feel Navient discouraged -- and even falsely advised -- me to over pay to reduce the principal on my loans. I also feel the did not correctly allow me, nor did they offer, to combine loans and did not give any information about changing rates. Finally, Navient would not adjust the loan to allow me to take my father off as a cosigner. As a result, after much communication and discussion, I had to change companies. It was just one thing after the next. Now, it appears I was n't the only one experiencing this. I thank you for this opportunity to share.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My husband created an account, without my knowledge, and made me an authorized user but I did not sign a signature card. After his death, the bank sent me a statement with the balance and interest charged on the account. I contacted them in good faith and asked for a settlement but they refused to talk and sent it to a collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
TD Bank provided me XXXX different visa debit cards for the same business account. In trying to obtain help on which to use, TD Bank had me on hold for over 15 minutes, playing advertising continuously the entire time, which means that it was not even possible to turn down the volume and wait for a voice. Also, no call back option. They have proven themselves the opposite of their slogan " America 's Most Convenient Bank '' and have egregiously wasted my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
I have received repeated automated phone calls ( robocalls ) for several months from a company that identifies itself as the Law Office of Arnold Scott Harris PC, debt collectors, and asks to be called back at XXXX. The calls originate from XXXX. The message does not state any name of the supposed debtor. I do not owe anyone any money and I want the calls to cease. Posts on the internet from other victims say this is a scam and that the Illinois Attorney General has declined to prosecute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: CO

Complaint narrative:
By XX/XX/XXXX, I had XXXX student loans that amounted to {$30000.00}. XXXX serviced the loan. I was a single mother and was n't gainfully employed but made {$50.00} payments in the loans. The interest rates in Pell grant 3 %, Perkins 5 %, stafford 5-8 %, supplemental student loan 12 %, and the interest rates continued to accumulate regardless of hardship or in school deferments. My loans accumulated interest for a total of $ XXXX in XX/XX/XXXX. I had been working with several agencies to try and get loan forgiveness or interest reduction. I consolidated the loan and made payments but the interest continued. I got a XXXX degree in XX/XX/XXXX and an XXXX in XX/XX/XXXX, which I paid for out of pocket and w employer reimbursement. 
I made payments at a reduced rate bc payments were {$900.00}. 
In XX/XX/XXXX, the management of the loans went from direct student loans to mygreatlakes.org. The manner this was managed was n't transparent and the agency is out to make money. In fact in the past year I received an email saying in the transition of the loan there was an error and they needed to add {$240.00} to my balance. how is that possible? Then, they added {$5.00} in my monthly payment and changed my due date without informing me and created NSF charges in my checking account. When I contacted them they seemed not to think it was a problem. When I make additional payments or try to pay to principal only they say they ca n't do that. They are n't applying payments consistently sometimes literally they apply most of the payment to interest only. This is wrong! It is like a loan shark situation. 
I completed the public service forgiveness app which has to be filed through your loan service agency and I met all the requirements having worked in non profit for nearly 6 years. But it took place before XX/XX/XXXX, and therefore I was disqualified. I should be contributing to my retirement instead of this. 
Help! 
I have confronted their questionable accounting etc but the government handed these loans over to this agency w a poor customer service reputation and they are living up to that reputation from my experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
The auto loan with TD Auto Finance has been fully satisfied but reported negatively. It is inaccurate based on a settlement agreement stemming from a lawsuit I filed against TD Auto Finance. I am requesting that the item be removed promptly or reported to the credit agencies in accordance with the settlement agreement. 

I recently received the original copy of my retail installment contract indicating a paid in full status. I recently pulled all three credit reports showing the {$9400.00} as written off. I am requesting this matter be thoroughly investigated and fix or delete the disputed item as soon as possible. 

I have made contact with TD Auto Finance 's credit dispute department and have not received a response or an indication on my credit report that the incorrect information is being disputed. I also have not received any update on the actions being taken by the credit bureaus regarding their investigation. 

I am currently in the process of trading in my car and am unable to purchase a new one with a reasonable interest rate because of the derogatory mark on my credit report. My credit score dropped XXXX points overnight when TD Auto Finance reported the account status negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Re TARGET XXXX. 
I am so grateful Senator XXXX XXXX established This organization and President Obama set XXXX Director. 
TARGET is attempting to collect {$240.00} which I do not owe. 
XX/XX/XXXX I was hospitalized. My Son made {$20.00} payment on acct for flat screen TV. 
XX/XX/XXXX acct was paid in full BEFORE year purchase. 
I receive demand for {$25.00} late fee. This fee was set because My Son did not pay {$25.00} XXXX TARGET determined {$5.00} was late, therefore, I owed {$30.00}. 
I called TARGET, placed messages for CEO. Contacted Billing, speaking to someone in another country advising the fee is legitimate. Having paid acct in full mattered not. 
Calls, connections, TARGET reps calling to say the problem was handled. And ... 
There is Collection Agency threatening lawsuit, threatening to RUIN my Excellent credit which I have worked determinedly to preserve. 
I am senior, can not afford RUINED CREDIT resulting from TARGET XXXX determination to collect {$240.00} because My son, trying to help, made {$20.00} payment instead of {$25.00}. 
Paying full balance as soon as I was released from Hospital, having Always paid more than {$25.00} month meant nothing to TARGET. 
My TV was purchased XX/XX/XXXX. Paid in full XX/XX/XXXX. 
TARGET received payments {$40.00}, {$50.00} and more. I was excellent TARGET customer. And now MY GOOD CREDIT is being ruined all because of {$5.00}. 
HELP, Please. 
Do not allow TARGET to ruin My credit nor XXXX, XXXX, Florida to bring lawsuit for an charge I DO NOT OWE. Thank You. 
Currently I am almost homeless due to Toxic mold in My Apt XXXX I can not live in Toxic Apt XXXX 
I am sleeping on Friend, Family sofas. Mail goes to RA. My Son collects when He has time. This time in My Life is nothing I would have ever expected as respectable & responsible Senior. 
I can not afford for My Good Credit to be ruined especially if I must, regretfully, from place I 've resided nearing to XXXX years. 
My Good Credit permitted TARGET to open Acct immediately for an almost Five hundred dollar flat screen television. Should I have to move I will require, must have Good to Excellent Credit which TARGET has determined to destroy because of not receiving {$5.00}. 
HELP! 
Respectfully,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES
State: PA

Complaint narrative:
Hello, I 've read that on " XXXX '' about the limitation for loan forgiveness only extends to 120 days after the last disbursement. 
However, as a recent graduate of XXXX XXXX XXXX, XX/XX/2016, I am concerned about my current situation. 

On XX/XX/2016, all students and recent graduates received emails about the school 's immediate closure following XX/XX/XXXX. My concern is that I now have a debt approximating nearly {$40000.00}, most of which comes from my enrollment at XXXX. 

After two years spent of my life, I now have a degree. However, it amounts no more than a piece of paper, from a school now known nationally to have been discredited by the department of education, forced to close, and shall soon no longer exist. 

This worries me because of the large debt I have incurred, expected to pay, and a resume which lists a graduate from a school that is tantamount having attended no school at all. Is there any way to contest the repayment on this debt? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I want this account to be removed from XXXX closed account XXXX/XXXX/09 with XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: IL

Complaint narrative:
I called my federal student loan provider Great Lakes to confirm about item # XXXX : I 'm thinking of serving as a XXXX XXXX or XXXX volunteer and plan to request a deferment or forbearance on my Direct Loans. If I 'm not making payments during my service period, can I receive credit toward PSLF? 
The customer service agent ( I believe her name was XXXX ) stated to me that I would not be able to received credits PSLF, even though under the federal government its stated otherwise. The agent stated that I would need to make 12 separate payments and that I am not able to make the lump slums payment and received the credit for PSLF. 
I am extremely frustrated because, I am a hard working student working to keep up with my student loans and more importantly be smart with payment in order to receive PSLF credits during my services as an XXXX volunteer. I would like for Great Lakes to invest in honest and fair business practices. I do not think this institution should be acting as private money-hungry bank center. I also believe, the federal government needs to do a better job making sure that these private sector they partner with are honest and are in compliance with federal regulations. I am going to call them again with an attorney on the other line to process this request. It 's unfortunate that hard working citizens of this country have to go this far to get a fair treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MD

Complaint narrative:
In XXXX of this year, I refinanced my home. My existing Bank at the time was XXXX and they took my money in escrow and paid my taxes as the transfer was taking place between banks. The new mortgage owner ( SunWest Mortgage Company, In. - NMLS ID XXXX ) also paid my taxes with the settlement money that was established for paying the taxes. This escrow from XXXX was supposed to be returned to me.Since XXXX had already used my escrow to pay the taxes I requested that SunWest pay me the money that the Tax Collector returned to them. Since XXXX, SunWest has lied and mislead me concerning the return of this money. I started making my planned payments to SunWest including the prescribed taxes in XXXX. What can I do about getting my entire escrow back?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Several of my accounts as well as my information was compromised back a couple of years ago without my knowledge. By the time I realized what was going, the account was sold off to a third party collection agencies so therefore, the damage was already done. I reached out to Target Bank on several occasions trying to get information regarding the account so that I could determine it was truly my debt and all they replied with was that we no longer service this account. Therefore, I requested my credit report and contacted the collection agency XXXX XXXX requesting advising them that I believe this account had fraudulent activities on it prior to it being sold. I also asked them to provide me with copies of all activity including the transaction history so that I could review it. They stated they would provide it but I never heard back from them nor did I receive anything. I even tried reaching out to Target requesting to speak with someone in their fraud/resolution department and all they reply with is that you have the put the request in writing in which I already have but never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I accidently sent XXXX to a closed account at TD Bank. I immediately tried to reverse and was told by TD Bank my account I sent from would be credited by TD. This happened XXXX XXXX, 2016 and I am still awaiting a positive response from TD. I have provided the tracking number to them from my " send '' account with no reolution bt TD. I am at a loss

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XXXX I called TD Banks customer service, and asked them to close my account. In the XXXX of XXXX, I went back to TD Bank. To reopen my account, to my surprise the account was never closed.And on top of that, they told me that I owed the bank {$61.00} and some cents. I was told that I could not have the account closed over the phone. But the customer service representative that I spoke to over the phone, did not tell me that. On Friday XXXX XXXX XXXX. I went into a TD Bank on XXXX XXXX, in XXXX. And i was still not helped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Our company reached out to your organization in 2014 regarding a mortgage dispute with TD bank. TD bank changed their tune and decided to work with us to resolve our mortgage issue. They renewed the loan and stated we had 2 years to remove the loan from their company. We found a bank to renew our loan and are in the process of doing so, however, TD Bank told our new bank we had {$20000.00} in legal fees. TD bank never disclosed this information to us. It 's another underhanded attempt from TD Bank to keep our property and to make money at the expense of a small business. Our lawyer charged us {$500.00} to take care of this issue with TD Bank and spoke minimally to the TD Bank lawyers. If this was a justifiable amount, I would not reach out. Please let me know if there is some sort of avenue I can pursue to address this issue. My name is XXXX XXXX, XXXX

Company response to consumer: Closed with explanation