vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Submitted Case number : XXXX ] on XXXX/XXXX/XXXX bank committed to fix information on credit reports. Which it was corrected on XXXX and XXXX but was not fixed in XXXX which appeared as CHARGE off which I disputed as you instructed if I saw anything incorrect and the dispute came back worse cause now it appears as Placed for collection. I have spent a lot of money on viewing my credit reports and time I subscribed to XXXX which is XXXX paying {$30.00} dollars a month to monitor this correction and has not been corrected. I even communicated directly to the bank with no resolution and my credit is affected because of this. The charge off which is incorrect was eliminated from XXXX XXXX and want it eliminated completly from XXXX. This car was brought in XXXX and we are in XXXX and it still appears in my XXXX account as well. I even have the title for the vehicle which Firstbank sent to me and this information was given to them when I first disputed and still it has not been corrected. Please verify Case number : XXXX ] where First Bank said they are committed to correct my credit reports and have not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 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: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Received a notice from RPM that says they are trying to collect a debt I owe. The notice says I have ignored repeated attempts by XXXX to collect the debt. I have never had XXXX, and was never contacted about any debt. I have read numerous complaints against this company online - and a lot of them sound just like mine, even using XXXX as the company that is supposedly owed money. I am afraid to call them since most reports online say they are horrible, and harass and repeatedly call and threaten people, even when the debt is phony. It also appears that their bogus charges can appear on credit reports! I want to avoid any issues, since I do not owe anyone any money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I have disputed a debt within 30 days of receipt of my initial notice ; however, the company still reported 2 months later to credit agencies. As a result they have damaged my credit and my reputation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
I had dental work done at XXXX XXXX XXXX. Before leaving as mandated the bill must be paid. So, after the dental work was completed I paid my bill in full as expected. About a week ago I checked my credit report. My credit report displayed a debt collection from XXXX XXXX XXXX for {$46.00}. I learned that XXXX XXXX XXXX had charged me for {$46.00} after my visit. I had not received a phone cal or letter to my house or place of employment. Finance is not an issue for me so I visited and paid my bill. The staff did not have a response as to why I was billed and lack of notice. The problem for me is that my credit is affected for something that is not my fault. If possible to have corrected would be awesome. If not then I need to inform other clients of the business of such practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I spoke to a lady in the mortgage dept. yesterday. She said they put money in an escrow account. I do not have and never had an escrow account. Furthermore I have not been late for the dates that she claims. You can not get a late fee unless payment is made after XX/XX/XXXX. XXXX/XXXX/XXXX I made XXXX XXXX payment. then XXXX/XXXX/XXXX i made XXXX XXXX payment, XXXX/XXXX/XXXX I made XXXX XXXX XXXX payment, then XXXX/XXXX/XXXX I made XXXX XXXX payment, then XXXX/XXXX/XXXX I made Mat XXXX payment, then XXXX/XXXX/XXXX i made XXXX XXXX payment and XXXX/XXXX/XXXX I made XXXX XXXX payment. I was only late XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX which I made during that time & paid additional late fees XXXX/XXXX/XXXX. So I may have over paid you. Now they may owe me. I am paid up & owe them nothing. I have been calling them, messaging then & going to the branch for XXXX months about the same thing. I paid them all that I owe & may have paid more they still claim I owe. Every time I speak to someone they hang up, someone suppose to call back or they are going to research the matter. Nothing ever happens. What they are doing is unethical or someone is very incompetent & do not know how to apply the payments I made correctly. I need your help this is a serious matter. I am XXXX & can not keep going through this. If I am not mistaken I asked for your help also no reply. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I applied for assistance in saving my home from foreclosure. I hired an attorney to help me with the paperwork. I was advised I am approved for a Making Home Affordable " Trial '' modification. I have contacted my lender on several occasions trying to find out the terms of the loan modification, rate ; term ; principal balance ; principal forgiveness or forbearance and maturity date. Thus far Bank of America says they have no terms and they basically refuse to discuss this with me. My loan is an option arm, negative amortization loan which worked against me for the past ten plus years. I feel the servicer should have these terms and my attorney states someone has the terms available, however they are simply refusing to discuss the terms with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 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:
My wife and I have had a joint checking account/savings account at TD bank in XXXX, NY. The checking account is called " relationship checking ''. It was opened on or about XXXX/XXXX/XXXX. 

I looked up their different checking account plans and saw for the first time that they are not supposed to charge a monthly maintenance fee to process my accounts since I keep substantial sums between my checking and savings account held by them. 

I noticed that I have been improperly charged $ XXXX/mth for almost 4 years. On XXXX/XXXX/XXXX, I met with assistant store manager, XXXX XXXX, who acknowledged the bank 's error and told me she would look into it. They only credited me {$100.00} instead of the almost {$1200.00} that they had improperly charged as maintenance fees. On XXXX/XXXX/XXXX, I met with Asst Vice President, XXXX XXXX, who said the bank would make no further credits to my account. He said that I should have seen the charge on my statements. I told him the bank was illegally profiting from its own mistake. 

First, I was never told that my " relationship checking '' account was " maintenance fee '' free. If I had been aware of this, I certainly would have disputed it years ago. Second, they opened the account and their computer program never should have entered a monthly fee in the first place. Therefore, an employee of the bank must have altered the program or my specific account to do so. 

Not only have I been defrauded by TD bank, but I am sure that I am not the only depositor who is or has been paying " maintenance fees '' unnecessarily since they do not advise their customers of any improper charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Prince Parker & Associates
State: NJ

Complaint narrative:
I switched from XXXX to XXXX on XXXX/XXXX/2016, whom has been slowly refunding me the money I owe XXXX for the device 's agreements, and I have been consistently paying XXXX on a biweekly or monthly basis without fault. Today, XXXX/XXXX/2016 I received a call from a collection agency explaining XXXX sent my account to collection when I have not recevied any notices that my account will be send to collection in the owed balance is not paid in full. I have only received statements of the balance and the last one I received states I have until XX/XX/2016 to pay my bill. I have spoke to XXXX and they claim at first that my account was never sent to collection and refused to speak to the agency that called me via a conference call in order to resolve this matter. I spoke to XXXX XXXX XXXX and supervisor XXXX XXXX who both informed that they can not give me their employee IDs and they both refused to speak to the individual from the collection agency that was calling me because they both assured me my account was not in collection, even though the account number that the collection agency gave me had a match in their system during our call. Since terminating my services with XXXX XX/XX/XXXX, my balance at that time was {$2200.00} and today is {$740.00}, which means that I have consistently made payments since cancelling my services and have not had any delinquency on my account. In fact, I have made 7 payments of varying amounts in order to bring this balance down and I truly find it unfair and unethical that XXXX sent my account to a collection agency when I have not stopped making payments. Worst of all is that they never sent me a final notice letter informing me of collection services in order to give me the option to resolve this matter. According to the Fair Debt Collection Practices Act, I should have received that letter and in fact I never have. Instead I have received statements allowing me to continue to make partial payments.I believe this violates consumer acts and XXXX should be reprimanded for such behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 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:
TD Bank Keeps Selectively Deciding what transactions to pay, and what transactions to reject causing numerous fees to be incurred .... TD should have just rejected sale when presented to be paid resulting in a declined transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: NJ

Complaint narrative:
I have been paying for many years ( probably over 3-4 years ) between {$400.00} and {$500.00} per month in student loans to Great Lakes and other Federal agencies and institutions, and I owe today more than I did when I started paying. I have not missed any payments, and I called to verify why and they stated that in all those years making over {$400.00} in payments PER MONTH only ~ {$4000.00} went to the principal. They also said that I should pay more money if I want the balance to go down and offered no real advise as to how I can get this balance to go down quickly. They said that my balance goes up hundreds of dollars a month. I asked for help and their only solution was to get me to pay more. I started with ~ $ XXXX about 4 or more years ago and today I owe basically the same amount or more after thousands in payments. This amount will keep going up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 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: PA

Complaint narrative:
XXXX XXXX has mark me down for fraud or account abuse. I have n't committed any of that of my account. I took out a pay day loan and had it linked to my bank account at the time, I called the pay day loan services and asked them not to take money out of that account because it would n't be enough in there ( since I lost my job ) they refused. I passed that information on with XXXX XXXX, who informed me they would put a stop payment with the pay day services and they never did, which continued to allow the pay day service to debit the amount I owed, and the payment would come back returned leaving me with fees. I called XXXX XXXX every day for a week back in 2011, and they refused to fix the problem. I never committed fraud or account abuse with my account. XXXX XXXX refused to prevent the matter from escalating leaving me to pay fees that I could n't afford. 

XXXX XXXX has also written me off with the same thing. ATM abuse. When I lived in Idaho my identity as well as my girlfriends XXXX XXXX, was stolen. We wrote a report for the person who police already had in custody at the time but they refused to look further into the matter since he 's in jail. The police were also XXXX. And I 'm not saying that for pity or playing the race card, they were truly XXXX. Against my sexual orentation and my skin color, my girlfriends as well. I know this because they said it to my face. I requested XXXX XXXX to remove the account entirely due to fraud and they want me to submit a police report. I live in XXXX now. Since the bank is in the west coast the police in XXXX ca n't do anything about it. I 'd have to go back to Idaho. I called Idaho to get the police report number but they do n't have anything on file. I want that account removed. 

TD bank, a similar situation. My TD bank account was never comprised. My XXXX bank account was which was linked to my TD account. My cousins son XXXX XXXX, who is currently in custody for identity theft hi jacked my XXXX account and would make transfers from my TD bank in my XXXX and with draw the money. At the time I did n't really pay attention to any bank because I knew there was no money in either. I was n't big on online banking, but I kept getting mail saying I owe outrageous amounts of money. TD bank, I owed them prior and paid off my account so when I seen that I still owed them I did a little research and put two and two together.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target continues to report outdated information to the credit bureaus. In XXXX my delinquent account was closed and enrolled in a repayment plan, later the creditor charged off the account in XXXX due to filing bankruptcy XXXX. The records of when the account began delinquency are outdated and have been archived so the creditor continues to verify the beginning of delinquency as the charge off date

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 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: SC

Complaint narrative:
I was told incorrect information about my loan and money was not handled the way that I wanted in a timely fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: CA

Complaint narrative:
Titlemax used predatory and evasive techniques when procuring a loan from them. I was in a desperate situation, as I was unemployed and my California Unemployment had not kicked in yet. 6 months ago, I made attempts to return the vehicle to them and they refused to take it back to satisfy the loan. I had no luck selling the vehicle without the title as people are not comfortable with that scenario ( Can you blame them? ). I stopped making payments, as all payments were going towards interest and not principle. Titlemax refuses to collect the vehicle in an effort to continue to collect interest on the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
As per the included statements I emptied and closed my account ( # XXXX ) with TD Bank on the XXXX of XXXX 2016 in response to their inability to provide competent service. 
At that time I demanded that the account be closed immediately and was assured by the branch manager on site and the attending teller that this was the case. 
Post closing of the account I am being advised by TD Bank that there are charges against this account pertaining to the US-XXXX exchange differential. This check was deposited on XXXX XXXX 2016 in the amount of XXXX. 
This deposit was made, as I have always understood to be done, with and exchange rate differentials being applied at the time of deposit otherwise the transient exchange rate would not be applicable do to the variance over the deposit process interval. 
I believe this to be a clear demonstration of the gross incompetence of the this branch and possibly TD Bank in general. 
I spoke at length with the TD Bank Overdraft Collections Department ( XXXX ) who advised me that the problem originates with the TD Bank branch I dealt with and that resolution attempts must be directed to this branch. I withdrew all funds and closed my TD Bank account because of the incompetency of the people in that branch and the failure of their administration to recognize the problem. As such I see no reason to believe the people at this branch are any more competent now than they were XXXX/2016 when I closed the account and contacting them would be futile. 
For what it is worth the exchange rate on the day of deposit was approximately XXXX US/XXXX. . This is not accurately represented by the {$2400.00} depicted in the statement again providing an indication of the incompetency of this institution. 
It is and always has been my understanding that when an account is closed it is no longer subject to any further transactions. 
I seek your assistance in this matter and will refrain from any contact with TD BANK until I hear from you. 

Thank You, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Contacted at my place of employment, by TD Bank collections department after numerouse ( and documented ) requests to contact me on my cell and not my employer. Background : In XXXX of 2015, prior to the XXXX XXXX mortgage payments due, I contacted TD Bank requesting asssistance on my mortgages ( both XXXX & XXXX ). I have all the emails and have recorded all phone calls ( after disclosing I was recording ) in which it is clear I directed TD to call my cell. On XXXX/XXXX/15 I received an email, from a co-worker saying that an XXXX XXXX from TD was calling different departments at my employers trying to reach me. When I returned the call, TD told me that they had no other contact information for me. Again, I can support with emails and recorded phone calls, my contact information of my cell phone. I again asked TD not to contact me at my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had a XXXX money order stolen from the mailbox in 2014. It was deposited in and cashed at TD Bank. I have been trying for almost 2 years to get my money back from the bank. XXXX has sent TD Bank several letters with proof that it was stolen but the bank has been ignoring the letters. I have contacted the bank and they refuse to give me the money back. I am inclosing all of the correspondence between myself, XXXX and the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
T.D. Bank N.A. failed to provide me with a statement or bill for a credit card that I hold with their company. T.D. Bank N.A. then applied late charges while still failing to notify me in any manner that there was a balance on my account, and failing to notifying me of the application of late charges ( email, mail, phone, etc ... ). T.D. Bank N.A. then reported my account as delinquent to all major credit bureaus while still failing to notify me in any manner ( postal mail, email, phone, etc ... ) of the balance or delinquency. T.D. Bank N.A. still has not contacted me in any manner : the delinquency was reported to me by a third party ( XXXX ) which notified me of a drop in my credit score ( from XXXX to XXXX ). I learned of the score drop on XXXX/XXXX/16 and called T.D. Bank N.A. on XXXX/XXXX/16. T.D. Bank failed to acknowledge that it owed me any duty to supply with a statement and claimed that it did, although the company failed to do so. I called T.D. Bank N.A. again on XXXX/XXXX/16 to obtain a copy of the past 4 statements, which I have not received, so that I may request a correction to T.D. Bank 's reporting of delinquency to the credit bureaus, as well as to include in a report to the credit bureaus. T.D Bank first attempted to charge me {$7.00} per statement, although the statements were never initially provide. T.D Bank then finally agreed to waive the fee for two statements, but refused to waive the {$7.00} for the remaining two statements. T.D. Bank N.A. has created a system where they fail to notify customers of charges in order to charge as many fees as possible. This has caused graved economic effect to my credit score, exclusively as a result of T.D. Bank 's dubious, unethical, and likely illegal business model. The charge in question was a singular, automatic charge of under {$10.00}. The credit card is otherwise entirely unused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I applied for TD Bank EasyRewards card on XXXX/XXXX/14. They had an offer ending XXXX/XXXX/14 stating that I should receive {$100.00} in cash back rewards after spending {$500.00} or more within first 90 days. I have spent more than {$500.00} within that timeframe, but have never received this bonus.

Company response to consumer: Closed with explanation