vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: NM

Complaint narrative:
I financed a car from Prestige Financial approximately nine years ago. The car was repossessed about five years ago. I had a balance after the car was sold and Prestige was going to garnish my husband 's wages. I settled with Prestige for approximately {$2000.00}. After about one year Prestige started contacting my family telling we needed to contact them. When I contacted Prestige they said I had left a balance of {$200.00}, and because of interest they would settle for {$1000.00}. I told them I was not going to give them any more money because I believe they were a predatory lender. I started a new job and I got a notice Pestige was going to garnish my wages. The payroll department stated Prestige was going to garnish my wages until I paid {$3000.00} back. I feel this company is being extremely unfair at this rate. I will never get them paid back. The money they taking from me is making it extremely difficult to make a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
ATTACHING THE WRITTEN COMPLAINT AS SUBMITTED TO THE STATE OF XXXX DEPT OF PROFESSIONAL AND FINANCIAL REGULATION. WE WERE INFORMED THAT BECAUSE TD BANK IS A FEDERAL BANK, THEY DO NOT HANDLE THIS AND REFERRED US TO YOU. XXXX XXXX MANAGER OF TD BANK, XXXX XXXX ASSURED ME THE LOCK IN RATE WOULD BE REBATED TO US, BUT TO DATE, NO CHECK AND UNABLE TO FIND OUT HOW TO CONTACT XXXX XXXX THE MANAGER OF MORTGAGES IN THE MAIN OFFICE IN XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My student loan has been on an in-school forbearance for about the past two years, ending XX/XX/XXXX. After I graduated, I called Navient to discuss my repayment options and the offer of an extended repayment plan was made. This would extend the time of my repayment significantly, but lowered my monthly payment which was what I wanted. Without going into specific details, I have had to call Navient back, about monthly in attempts to get this new repayment plan processed. Every time I call in, I have to go all the way back to the beginning of the story. Every time I call in, I am told it will be taken care of, yet, I continue to have to call back in! I do n't understand how there is this much confusion if the call center representatives are taking notes and if the phone calls are recorded? Why should I have to re-explain myself and why has one simple task of processing a repayment plan not been completed? When I get angry on the phone, I am ignored. In fact, today when I called in ( again! ), the manager cut me off as I was complaining about the company 's incompetence and I was put on hold as I was speaking. They do n't care how their customers are treated and all I am trying to do is pay back my student loan. I have made payments on these loans regularly since XX/XX/XXXX, but why does any kind of little change have to be so difficult and take months to finalize? Because of this company 's negligence, my payment due XX/XX/XXXX was listed as higher than what my extended repayment plan is supposed to be. I made the payment for my extended repayment plan, about {$200.00} less than what a normal payment would be. Now my account is showing a balance of that {$200.00}. This would have never happened if the payment plan was processed as I was told it would be, the last three times I 've called.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 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:
I have been charged over {$600.00} in overdraft fees the past few months because of the way TD Bank illegally reorders transactions to their benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I have always paid on time and when I am going to pay late, I call the office and go in to fill out a form. My payment was due XXXX XXXX which was on a Saturday and they are no longer open on Saturdays. I went in to the office on Monday, XXXX XXXX to fill out a form and let them know that I was going to be late paying. On Wednesday, XXXX XXXX, someone came to my house and left a letter that they came by trying to get in contact with me. I spoke to someone from the office and no one can explain to me why this happened.They also took an unauthorized payment from me in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
on XX/XX/1997 I closed a Savings Certificate Passbook with an XXXX and had the bank issue me an " official bank check '' for the amount of {$1700.00} payable to me. I took the closed passbook and the bank check and placed it in a safe deposit box for a rainy day. I came across this check recently and I called the bank, explained the situation and was told by a manager that XXXX was bought out by TD Bank but they should honor the check being the check is an official bank check. He advised me to open a savings account and deposit the check, which I did. Four days later I was told by someone at the bank that the check has expired ( there is no date listed on this check ) and they will not honor the check. The manager told me the money was transferred over to the State of Connecticut Unclaimed Property. I 've checked with State of Connecticut Unclaimed Property Division and they have no record receiving these funds from neither XXXX or TD bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I went into TD bank to close an account on XXXX. They took my bank card and confirmed that the account was closed. Over the course of the month of XXXX, they proceeded to keep the account open, and allowed multiple charges to go against it. When I came in to see why charges were being allowed against a XXXX balance closed account, they told me that they had closed the account incorrectly. The manager was not in, so the amount that I was refunded out of the over {$400.00} in overdraft fees was {$100.00}. I was told a manager would call me about the issue and help me get fully refunded. It is now XXXX and they have been allowing charges to continue to go through and are still charging me overdraft fees for an account that should n't exist anymore. I 've tried multiple times to get in touch with a manager and I 've been told they are not there or are busy and will call me back. I 've been attempting to get resolution on this for weeks now, and still do n't have closure on the issue. This bank is irresponsible and they are thieves. When the manager finally did call me back, he became very accusatory and nearly insinuated that I was trying to use the bank account even though I had asked that it be closed. The representative that helped me close the account lied and told his manager that I was solely asking him to close the debit card - which makes no sense whatsoever. They are trying to now charge me money on an account that should not exist. I 'm not getting any help with resolution, and the bank, which I 've had money in since I was a teenager, is now calling me a thief. I am still waiting for resolution on this after spending countless time and effort trying to get everything taken care of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES
State: OH

Complaint narrative:
Hello, I am a graduate from XXXX. I pay my loans back to Great Lakes Student Loans. Over the past several months I have been trying to pay back my high interested loans. The way that the loans are set up, I must pay back the standard monthly payment, which applies a little bit to each of the loans I have, including the high interest loans. I have complied with this requirement. I have also been trying to pay ahead by putting extra money into the high interest loans, which are 6.8 % interest. Whenever I call to pay ahead, the person that I talk to on the phone tells me very clearly that I am up-to-date on payments, and that the money I pay ahead will go directly to the high interest loans that I am requesting to pay off. After about a week I will check my account to find that they have not done that, and instead have applied a little of the money I pay ahead to all of the loans, not specifically to the high interest loans. My online account says that I am even paid ahead until XXXX 2017, yet I can not get through to the customer service at Great Lakes Student Loans that I want these high interest loans paid ahead. I have talked to them so many times about it and can not get them to comply. I do n't know what to do about this anymore. I would really like to pay ahead on the high interest loans but the representatives that I talk to at Great Lakes simply wo n't apply the money correctly. If there is anything that can be done please help me. I really feel like I 'm getting XXXX out of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Hello, My name is XXXX XXXX, I ordered a ChexSystem report about a week ago because I can not open a bank account. Back in 2010 I had an account with XXXX XXXX XXXX, they closed my account due to a bad check. I wrote them numerous letters, but they never replied. 5 years later I 'm still unable to open an account. Once I received my ChexSystem report it stated that I tried opening numerous bank account in states that I have never been before. I just need to get a clear understanding of whats going on, and what should I do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Company is persisting in charging late fees on payments even though the payment was delivered and recevied on-time. They have done this twice. The first time they reversed the late fee. The second time they refused. My payment was delivered the day it was due but it took them 5 days to process and post the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Account was paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I was overcharged an insurance premium ACH on my Nordstrom XXXX Card. I 've had my card for 12 years and never disputed a transaction before now. Customer service told me to download and print ( print! ) their dispute form, fill it out by hand and fax it ( FAX???? ) to them. They will review it within 30 days. I 'm disputing over {$2000.00} and this is how responsive they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 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: ME

Complaint narrative:
I am contacting you for my son who is XXXX. His girlfriend did his taxes and placed her checking account number for deposit. In the meantime she overdrew her checking account and did not pay the fees. She tried to close the account but the bank would not let her until the fees were paid. Meanwhile they charged the account daily. My son 's name is not on this bank account. The bank took all of my son 's tax return in the amount of {$1000.00}. and will most likely take his state tax return as more money is owed on the account. The bank in TD Banknorth in XXXX, XXXX. My son 's name is XXXX XXXX XXXX/XXXX/XXXX, SS. # XXXX. The other account belongs to XXXX XXXX DOB XXXX/XXXX/XXXX. XXXX and XXXX are not married. I am concerned as I do not feel that XXXX should have to pay XXXX 's bank fees with his tax money.The bank told him to contact the IRS and the IRS did not seem to be able to help. My name is XXXX XXXX DOB XXXX/XXXX/XXXX. SS XXXX. I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
HAD THE TARGET RED CARD FOR A WHILE NEVER GOT A CREDIT INCREASE AND TARGET SAYS I CANT REQUEST AN INCREASE THEY HAVE TO OFFER IT TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I went to Titlemax on XXXX XXXX XXXX in XXXX, GA on XXXX XXXX to apply for a loan with the title to my car. I received a loan for {$2500.00}. In XXXX when I paid my XXXX payment I asked what was the minimum I could pay. I was informed it would be {$300.00}. I had just been hired at a new company and getting settled in to my pay dates. I called again to make a payment on XXXX XXXX and I again asked what would be my minimum payment and was informed it would be {$300.00}. I was also informed by XXXX, who wrote the loan for me on XXXX XXXX, that if I did not pay the entire monthly note of {$360.00} that the amount I was paying would be applied to interest, an additional interest that was not calculated in the original loan agreement. This is a penalty for not paying the full amount. This was not in the written agreement and it was never verbally stated to me ever until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Ttarget is charging odd amounts to my credit card, such as a penny here and there as the total. I was aware of this on XXXX XXXX. Also no one in customer service would respond. They have. Weird way of charging for online orders. They do it individually as shipped, but a penny. I sense something fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
I have a vehicle financed with Prestige Financial. I noticed within the last few weeks they have reported my principal balance as being higher than in previous months, while making my payments. After inquiring with them, they have NOT had this information corrected with the credit bureaus, as a matter of fact, they told me the credit reporting agencies report what they want. I have asked them since I have brought it to their attention for them to fix this issue. In the meantime, I also noticed that my " principal '' balance online ( when I log into my account ) increases daily. I inquired as to why that is and was told it is a per diem fee .... What is a per diem fee? I do n't recall that as being part of my contract ... XXXX Why do these companies think they can just take and take and take from their customers and if a customer schedules a payment 6 days after the due date, they are harrassing you even though they can see the payment is scheduled and will process in a few days .... With most companies, normally there is a minimal grace period. I just want my account and the reporting to the credit bureaus to remain accurate. I do n't know if there is anything I can do to just transfer my car loan to a different finance company as I do n't want to do business with companies are are dishonest and not trustworthy. Not sure what my options are at this point, but any advice on what I can do legally is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
This payment is set up to auto pay by my credit union electronically, ( from day one ). I had to move the payment date back 2x because Yard Card receives the payment but does not post on time. This month, my credit union paid them XXXX on XX/XX/2017 with guaranteed electronic delivery of XX/XX/2017. As of today Yard Card claims they have not received and has levied a late fee. It seems no matter how early I pay it still gets held until a fee is charged. When I googled them I see that this is a common practice with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: PA

Complaint narrative:
Was told needed XXXX items ( conditions ) then after given to me they turned me down from original information not of the conditions. They drug me along for 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
My wife and I opened a fixed rate Home Equity Loan about 5 years ago. When we opened the account, the two most important terms were clearly confirmed for us, which were ( 1 ) there would be no pre-payment penalty, and ( 2 ) all overpayment provisions would go towards the principal. We have made several overpayments on this loan since it was opened in varying amounts. In XXXX 2016, we made large overpayments. We then received a letter saying, " We want to make sure your money is going where you want it ... '' Later saying, " Right now we are applying your extra dollars to the next scheduled payment. According to our records, you have made loan payments in excess of the required payment amount. Each time you include additional funds in your loan payment, it is our policy to apply the over the payment amount due to the next scheduled payment. This often results in the status of your loan to be considered 'paid ahead '. Please know that we have reversed the payment dated XXXX/XXXX/16 in the amount of {$1000.00} and reapplied it to principal, making the next due XXXX/XXXX/16. If this is not what you intended, please contact us '' I called them and told them the following : First of all, we ALWAYS intended for the additional funds to be applied to the principal and this was clear when we opened the loan. Second, why are we getting a letter telling us what your policy is and then you are changing the policy without any request from us? 
I made this call three times over about a 2 month period. In each of the calls, I spent approximately a half hour on hold and the customer service person could not answer my questions. Each time, I requested that they figure it out and have someone call me back to explain. They have never called me back. 
I have reviewed some of my recent statements and they make absolutely no sense in how they have applied payments to interest and principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: Senex Services Corp.
State: OH

Complaint narrative:
Receive a call everyday from this # XXXX..have called me every day as early as XXXX XXXXand as late as XXXX XXXX..they never leave a message and when I 've called back all I get is a recording that states please hold for the next available operator..no XXXX ever comes on..upon googling the # it comes up as Senex a medical bill debt collector..I 'm still not certain as to why they call because no message has ever been left ... but they call everyday..even on the weekend ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: OR

Complaint narrative:
We financed a car on from Prestige Financial Services in XXXX XXXX XXXX UT. Our payments are due on the XXXX of each month. On XXXX XXXX we traded in our vehicle and received a better rate through a different company. We notified Prestige right away. We are now getting multiple calls and texts that we owe the car payment or they will put us in default. We 've asked them to stop contacting us, and to contact the dealership, but that has yet to happen. Today, we got letters saying we are in default and must pay ASAP or the car will be repossessed ( which we do n't even have ). It 's getting really annoying to be contacted multiple times for something we are no longer liable for. We even have all the paperwork of the transaction. And we are still within 30 days of the payment being considered late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 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: DE

Complaint narrative:
My husband and I made a payment on XX/XX/XXXX for {$260.00}. We requested the payment be allocated to loan XXXX only to pay off the balance. Instead, it was allocated towards all XXXX loans ( XXXX, XXXX, XXXX, XXXX ). We 've called twice to get the payment reallocated, but we keep being told that we can only make additional payments certain times of the month. All XXXX loans are paid ahead into XX/XX/XXXX. My husband works for XXXX XXXX - he knows you can allocate this payment towards the XXXX loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation