vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
TD bank would rearrange my transactions so they could charge me overdraft fees. I would have for example {$50.00} in the bank. I would spend XXXX on Thursday knowing I had a deposit going In the next morning. Get up the next morning get breakfast and spend XXXX. Much deposit goes in Friday morning and they would say I overdrafted. How Is it a overdraft when you have almost XXXX the bank. They have charged us thousands this year alone. How is this legal to take mine and my wives and my child 's savings as well?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
I previous filed a complaint against this company for trying to collect a debt I do not owe. This company has ruined my credit and continue to try and collect a debt that I do not owe. I received a letter from the collection agency stating they reported I owe a debt for {$580.00} to the credit bureaus. I continue to dispute this debt over and over. With this company false allegations and continuous aggressiveness to pursue a debt they know I do not owe has caused a tremendous amount of stressed to my family and should be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 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:
I opened a new Checking account at TDBank online. 
Checking XXXX XXXX On Thu XX/XX/2016 I deposited {$5000.00} from a personal check, at the XXXX NY branch. 
I asked when it will be available, the teller who said to be a supervisor said. {$100.00} now the remaining on Friday. I told this is a new account and I am funding it with it and need to make payment, to which he replied not to worry, I can make payments right away on Saturday. 
Till now the money was not credited. My XXXX account was debited right away. TDBank refuse to make good as per their policy of new accounts. 
I asked to have the money returned right away in Cash or bank check or credit it to the account. I met with refusal. TDBank is fraudently holding my money, the same way a thief is punished from stealing, the same should be when a business still and this case their XXXX. 
XXXX, a XXXX of online banking refuses to escalate the call, I asked for their counsel so may bring action in small claims court or an address and refuses to provide. 
I also wanted to open a joint account and was unable to do so online, now they want me to come to a branch with my spouse. Like we work for them, nowhere was indicated in their website of such, just the opposite, it can be done-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Sterling Infosystems Inc.
State: CO

Complaint narrative:
On XXXX XXXX, 2016, I responded to an online ad for a XXXX position for XXXX XXXX XXXX XXXX disclosed online, their background requirements and the process for securing a job. Their background check screening goes up to 7 years so I applied for the position. Later, I learned that XXXX XXXX background check requirements was misleading when I received a copy of my background report from Sterling XXXX XXXX the " Background Screening Service '' where my background check revealed that a 7 plus year background screening was performed on me which, I was not aware of nor did I authorize XXXX XXXX or Sterling XXXX to do. 
On XXXX XXXX, 2016, after I received my report from XXXX XXXX. I immediately requested that Sterling XXXX investigate the errors on my report and demanded to know why their company disclosed information to XXXX XXXX that was more than several years old. I believe Sterling XXXX clearly knew what they were reporting and how far back that they were reporting this information to XXXX XXXX. I believe that they deliberately distorted and lied about my clean motor vehicle record and there were a couple of dismissed cases on my report that were more than 15 years old, that Sterling XXXX XXXX reported to the employer. On XXXX XXXX, 2016 I received an email from Sterling XXXX Representative " XXXX '' stating that she completed the investigation and that she sent me a copy of my report but, I have yet to receive it. 
Even if, Sterling XXXX send me this report, the damages have already been done. XXXX XXXX sent me a new email on XXXX XXXX, 2016 with a second and final decision not to hire me. I believe that Sterling XXXX is at fault for this and for violating the Fair Credit Act. I feel that I have a right to sue for damages in the state or federal courts and I need to know how to proceed in this case. 
I am going to attach a copy of the email I wrote to Sterling XXXX CEO XXXX XXXX and XXXX XXXX. Representatives in regards to my complaint against both companies and I 've attached a copy of the background check that was emailed to me by XXXX XXXX including an online link to XXXX XXXX background check requirements. Here is a copy of the online link : XXXX. I have a copy of my actual background and motor vehicle record at your request. 
Sincerely XXXX XXXX

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 explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Live Well Financial, Inc.
State: CA

Complaint narrative:
My Lender will not give me a Loan Modification on my Father : s Home my Fsther Died and left me his Property so i am the Administrator of his Estate but this lender will not work with me on a Loan Modification and the lender has a sale date and the lender will not work with me so my home is going to sale

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Altisource Portfolio Solutions, S.à r.l.
State: IL

Complaint narrative:
I started receiving emails in XXXX of 2015 from XXXX regarding update of credit card associated with an account for which I had made a purchase. I had been reviewing my checking account and noticed that the funds were being taken out so I disregarded the emails for those couple months. My balance had been pain off ; However, I was still receiving these emails. I followed up with XXXX and was notified that there was an additional account in my name and address for merchandise that I had not purchased. I notified the rep that this was not a purchase made by me, and she agreed that the card and name on the card used did not match my account name, although it did not match my address. I later received notice from a collection agency regarding this matter. I followed up with the collection agency and let him know that this was not a purchase made by me. They notified me that the only thing they can do is receive payment on the debt that is in my name, they can not change any names or transfer debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Target opened a red card ( credit card ) in my name without proper authorization. It was a fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX, my husband lost his job and we were on a tight schedule. From XX/XX/XXXX to XX/XX/XXXX, TD pinged me with over {$800.00} charges in Overdraft fees. They have charge me from XX/XX/XXXX until the present close to {$400.00}. When they XXXX took the fees initially which was over {$600.00}, a check went thru before charges that were made several days before. They told me that charges were brought in from highest to lowest. The XXXX time they took close to {$200.00} of overdraft fees and they told me that charges were brought in from lowest to highest. The highest was my direct deposit that was brought in after the charges even tho everything arrived on the same day. I argued the fact that before they had told me the opposite so they reimbursed me for half of the charges. Processing the way they have has several time sent my account into complete chaos. I have even seen where they have processed something immediately in order to try to charge overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I over drafted my account but was charged overdraft fees for two consecutive days. 
I called on the first day and was told what items were subject to the fees. 
Then when I called they tried to double talk me. I 'm not stupid. I think this may have happened before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: LAW OFFICE OF JOHN E. LINDNER P.A.
State: MD

Complaint narrative:
I, XXXX, received a letter from Law Office of John E. Lindner, P.A On XX/XX/XXXX 2016 dated XX/XX/XXXX, 2016 on behalf of XXXX. The letter stated that I owed {$680.00}. It also stated that I had 30 days to dispute the debt in writing. I sent a certified letter on XX/XX/XXXX, 2016 and was signed for on XX/XX/XXXX, 2016. I have not received a response from XXXX office in writing as of today. I received a call from a XXXX at ext XXXX in XXXX office on XX/XX/XXXX, 2016 stating that they had not mailed a response to my letter as of yet. She was just given my letter and told to call me to see if we could go over my payments that I had made and that they had filed suit on XX/XX/XXXX, 2016 as well as add {$34.00} to my account for the suit. She said she was going to talk to someone about the suit in her office. She sounded surprised they had filed suit. She also stated she was going to mail me out a statement of my account. I received a letter from them on Friday XX/XX/XXXX, 2016. Imagine my surprise when I opened it up and it stated the since they did not receive a response to their letter they were moving forward with the suit as soon as they received the court fees from their client. I was not disputing that I owe the hospital money. I have been making monthly payments of {$25.00} since I received the bill. I am disputing the amount this lawyers office says I owe. They applied a payment I made on this account to my account ( which is now paid ) I told them 3 times to apply it to the right account. Yes I indicated this account number on my check. Another violation of Fair Debt Collection Act. They received my letter not only did I get a call from his office saying so I also have the receipt from the certified letter. They have violated the Fair Debt Collection Act at least 3 times in this whole process. I also have all my cancelled checks. Your help with this matter would be greatly appreciated. It is hard enough on families with the cost of insurance and these ridiculous deductibles. I am at least making payments. I also contacted the XXXX in Maryland. They said this Law Firm is n't licensed in Maryland.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Michael Wayne Investment
State: NC

Complaint narrative:
XXXX Investment company has contacted me a work on at least XXXX occasions when I have repeatedly explained to them that I refuse to discuss my private business while clocked in and on my work phone that has recorded calls. Now when they call, I jus hang up since they do n't seem to understand words. They have also called my phone in upwards of XXXX times in 1 day, usually back to back they have also made just as many calls to family members and friends that I listed as references when I filled out the application for the car. Earlier today, I received an email from them to confirm that I authorized them to take money out of my bank account. This was a lie. I never spoke to them to make this agreement. There customer service agents are extremely rude and do not listen. The way they run their " business '' is disgusting and I will not be harassed for the remainder of time that I 'm making payments on this vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
This complaint goes in hand with Complaint # XXXX filed XXXX XXXX. Yesterday I made a deposit in order to ensure no overdrafts occured on my account. Last night when they posted, they posted the DEBITS first ( reason to assess an OD Fee ) and posted the credit last. I truly am convinced they are in the business of fee collections from their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Bank Charged me the payments three times in XXXX, 2016. I had called them several times to let them know their mistake and the consumer service of TD bank told me they would send me a check with the refund. So far, after 4 month I have not received any available check from them. I believe TD Bank never send out the check. They are liar.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I purchased a set of wedding rings through XXXX XXXX XXXX and financed them with T.D. Bank and XXXX XXXX incorporated. I 'm currently on 0 % interest for the credit card but was informed after the promotional period expired the interest rate would hike up to 28 %. I 'm active duty XXXX and told them that and that I 'm covered under the XXXX. They told me this did n't apply to me unless I deployed. This is not the case and applies to anyone on XXXX orders.

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:
This account was closed on XXXX/XXXX/09 want to be removed from my credit it 's already more than 6 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I recently purchased a new car, and received bank financing through the dealership. During the sales process, the dealership gushed about my " excellent credit '' and made it a point to emphasize the 0.9 % financing I would receive. So, I was very surprised to now see the rate listed at 3.89 % on my bills. ( I would also note that my carbon copy of the financing agreement, provided to me by the dealership at the time of sale, was NOT EXECUTED by anyone from the dealership. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
A student from my school offered me a job in which I would have to withdraw money from my debit card weekly, little did I know this was a scam the whole time. This student and his associates transferred money to my debit card, and forced me to withdraw all the funds. At the moment only {$2900.00} was cleared and they made me withdraw it by force. Once I did they took the complete {$2900.00} leaving me with nothing. They wanted me to withdraw {$7000.00} but I declined and reported Identity Theft. After the whole investigation, the bank says I owe {$3100.00}, but I was scamed and robbed for this money, it is unfair that I must pay this back. The bank teller should have never gave out the money there, but the money was cleared so I dont understand why I must owe this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
My car loan with US Bank is on auto-pay from my checking account. While I do not write a check, US Bank requires that my bank send them a check, which they do monthly without exception. In 2015 US Bank received a check and entered an account number on the face of the check. That account number was incorrect. As a result, that payment did not post in time. I manually made a second payment to ensure that the account was up to date. The payment was flagged as late and US Bank charged me a late fee. My bank contacted US Bank, explained the error and the fee was waived. Temporarily. The fee was later reinstated and now US Bank is charging a fee on top of the late fee every month until the late fee is paid. The account continues to be on auto-pay and principal and interest in full are paid on time each month. This unfair fee is up to {$110.00} as of today 's date. All of this as a result of US Bank 's own error. I have contacted them and explained the circumstances to them for which their call center employees have no response other than they will look into and call me back. They never have. I would like this fee waived as it was the fault of US Bank and auto-payments have been made on time without exception from the inception of the loan.

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 explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Target is incorrectly reporting the day of first delinquency. They are reporting that the day of first delinquency is the month after I settled the account. Prior to this settlement payment there were no payments payments made and the account was reported delinquent for 7 months. At that point there was an attempt to bring the account current for a minimal payment, but i disagreed with the terms and did not make any more payments. Prior to that the last minimal payment was made 3 months prior in which a minimal compromised payment was made for 3 months. Target has re-aged this account violating 15 U.S.C. 1681c ( 1 ) No where in the act does it state that a debt can be re-aged after a lump sum or payment in full is made. This account was clearly delinquent 7 months, arguably 10 months. The delinquency could even go back further as I started missing payments 6 months earlier XX/XX/2008, They are claimin DOFD as the day after it was settled in full which is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
Repeat calls and voice mail everyday. In the morning and after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I contacted Nordstrom credit to ask for an evaluation of my interest rate. The default rate is 31 % and can be implemented any time a customer falls behind. 
However, I was told that the system would not allow an eval and Nordstrom is unable to do any evals for at least the next few months. I asked if customers lower rate would be retroactive ... I was told they cant even access the tool to determine if a rate adjustment is possible. The agent could not even XXXX me a timeline as to when the system would be working again. 
Why are customers expected to pay extra for months without any way to re-evaluate? If that is the case, Nordstrom should not be allowed to raise interest rates until the entire system is fixed. I was told TD Bank is running the system -- seems strange they can not get things corrected when they are up and running branches and other services every day. 
These default rates are robbery -- but to be forced to continue to pay higher rates with no way to reduce or even be considered..is fraud. If you multiply the extra charges over thousands of customers..it could be substantial profit for the company while being a hardship for people struggling to pay their bills on time and catch up late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2017 I noticed a delinquent notice on my credit report from TD Bank, statng I was 120 days late on a credit card. I called TD bank and their fraud dept on XX/XX/2017 and again XX/XX/2017. I was told by TD bank agent on XX/XX/2017 that the account was not mine and I was not response for it. I was also told by the TD agent that they would contact all three credit agencies and correct the same and also send me out a letter as to not being responsible for this account as well. As a result of this mistake from TD bank, my FICO score went from a XXXX to a XXXX. Its been over a month and I did receive a letter from TD bank as to this account not being mine nor am I responsible for it but TD bank still has not corrected my credit report of this erroneous delinquent account by removing it, Now, other creditors of mine such as XXXX, XXXX etc. have cut my available credit with them in half as a direct result of this negative reporting by TD bank. This TD accont is a credit card ending in XXXX or XXXX both come up in the credit report and both are the same account. I have tried several times again and again to contact TD banks fraud dept but only each time to be placed on hold for 1 hour and 14 minutes or longer with no one ever picking up the phone. I have also informed experian of the above on XX/XX/2017.

Company response to consumer: Closed with explanation