vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
FCRA 623 ( a ) ( 5 ) States that the original creditor ( TDAF ) is required to accurately report the DOFD separately to the CRA ( XXXX ) no later than 90 days after the charge-off date ( XXXX, XXXX ). The purpose of this section is to determine the exclusion date. TDAF acted as was both the original creditor and collector for this account. 

The vehicle was repossessed in XXXX, XXXX. 

FCRA 605 ( c ) was created for one purpose only, to affix a date based on the commencement of the delinquency which proceeded to collection and subsequent charge-off on my account. The specific key point in my account is that this charged-off account became delinquent XXXX and has remained in delinquent status EVERY MONTH for over SEVEN YEARS and never brought into paid as agreed status, therefore this account should be deleted. 

TDAF has misinterpreted FCRA 605 ( c ) and failed to accurately report the DOFD as mandated by FCRA 623 ( a ) ( 5 ). 

Attached is copy of the Account History provided by TDAF, copy of XXXX Investigation Report and a Certified Mail Receipt copy of my dispute to TDAF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
I had a automobile repossessed in 2012. The company that held the autoloan keeps removing the account from my credit report and then a month later they add it back. This keeps changing the date the account was closed and pro-longing the removal of it from my credit report. It also negatively impacts my credit score. In some cases as much as XXXX points when they do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GREAT LAKES
State: MS

Complaint narrative:
I have requested my loan information and the right to be placed on a rehabilitation program and they refused my request, for the income driven rehabilitation payment plan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 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:
I have a banking account with TD Bank. TDBank has a consistent pattern. If you get a statement on the XXXX of the month and you pay your bills on the XXXX, they both go in the same date and TD Bank will charge you an Overdraft Fee for EACH payment that you paid electronically. They have totaled for last month taken over {$800.00} in one month in overdraft fees. Since the beginning of the year it has been over {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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: MD

Complaint narrative:
I sent a payment using my XXXX XXXX Bill Pay service to Great Lakes much as I had for over the past year. Upon noticing that the payment had not been reflected in my account a few days later I called and was informed that they had changed the address of where payments should be sent from XXXX to XXXX without communicating to me in any manner. When asking what would happen I was told that even though I had electronically transferred my payment through Bill Pay that they would not return my payment for XXXX weeks. After two weeks passed I called and asked for an update where I was told the funds would be returned to my bank and then put back in my account. When I contacted my bank by submitting a claim they contacted Great Lakes and informed me that I should be getting my funds returned via check in the mail within forty days. I called as the 40 day limit was approaching and was told again it should be returned shortly so I made another payment in the same amount over the phone with the understanding it would be applied as attended and my original funds would be at my house soon in the form of a check. While they applied the second payment over the phone I still have not received my original refunded payment and have since made another payment to Great Lakes which has not been reflected in my account despite following their explicit instructions. I checked with my bank and they show that the latest payment was posted. Due to these events I now have several thousand dollars that are floating in Great Lakes accounts instead of either being returned to me or applied to my loan. When I called yet again this morning I was told they would look into the matters and get back to me within 48 hours. At this point I have no idea when I 'll get my original payment back and if I 'll have to wait just as long for my latest payment to be sent to me instead of being applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Credit Adjustments Inc
State: OH

Complaint narrative:
Collection Agency did not send any notices, did not send copies of bills and was not given the opportunity to dispute the debt. Was not aware of it until I received the court notice. Started making payments, still have not received notices to confirm payments. Contacted my employer for garnishment, still have not acknowledge the payments that was made.

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 2016-03-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My boyfriend and I purchased a sofa from XXXX and we have a year to pay it off interest free. Before we made the purchase I asked if I would be able to set up automatic monthly payments and was told I could. I just got the bill ( which is through TD Bank ) and got online to set up the monthly payments and their system is designed to only allow me to make monthly payments in the amount of the minimum payment due - which will not have us pay off the sofa in time and would then have us pay interest in an amount almost equal to the cost of the sofa itself. In addition, the loan is set up as a credit card so there are late fees if you do n't pay monthly. I called customer service, assuming there was a technical glitch that would n't allow me to enter a larger amount, and was told by the associate that this is how the system is designed. She said I can set up recurring payments for the minimum amount and then call each month if I want to pay more than that. They promise an interest free loan and then are putting significant barriers in place to cost the consumer extra money. These policies are predatory and need to be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 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: TX

Complaint narrative:
I consolidated my loans and because I did that I was denied XXXX Loan Forgiveness because my loans originated in XXXX. However, I was seeking forgiveness for loans taken for my XXXX which started in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL

Complaint narrative:
I received a phone call and a late payment statement from Sun West Mortgage Company, Inc ( SWMC ) on or about XXXX/XXXX/2016. After looking at my XXXX XXXX online payment detail I called SWMC mortgage and explained my bank showed they mailed the payment on XXXX/XXXX/2016 and the payment processed XXXX/XXXX/2016. I was told they did not process the payment until XXXX/XXXX/2016, which created the late fee after XXXX/XXXX/2016. I explained they had internal issues processing my payment late and that was not my fault. They said they could wave half of late fee ( {$42.00} ). I told them no because it was their fault the payment was processed late and they had a similar problem back in XXXX 2016. They admitted the issue was internal and removed the late fee. They also attempted to force me to sign up for their auto-pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: TX

Complaint narrative:
XXXX Issues with different schools. 
1. XXXX University did not apply unused funds to loans. I 've submitted forebarance forms and request for discharge because my son ( I 'm a single parent ) is permantly XXXX, he has XXXX. I did not qualify for government assistance then nor now, so my income has been limited. Despite obtaining a XXXX in XXXX, I was told by many employers that XXXX was not a recognized university, they were unable to verify my attendace at the school. I 've made payments despite this, not always on time due to ongoing medical issues. I 've had to stop due to XXXX and XXXX for my son. 

2. University XXXX XXXX enrolled me in a course/program that had nothing to do with finance, it was XXXX program. I requested XXXX XXXX, I tried to withdraw several times but was unable to. I spent XXXX years obtaining a degree in a program I have no experience or knowledge about. I do n't have any paperwork from them where I acknowledge my acceptance of the program. 
3. I received a letter from Great Lakes of XXXX XXXX stating that " debtor is hereby cancelled and released. From and after the date of this release, the employer is no longer required to withhold income from debtor 's pay. '' Release date was XX/XX/XXXX. On XX/XX/XXXX Great Lakes sent another request to garnish my wages. Said they never sent above release, when I called on XX/XX/XXXX. When I called again on XX/XX/XXXX I was told a different story in that the release letter is actually a confirmation of an address change '' I had my HR department call, and she was told the same excuse. Great Lakes has sent all correspondence to my employer despite me giving them a correct address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
My Nordstrom card did n't process my payment. 
I got a payment return notice, the bank said there was not a transaction on the date given to me by Nordstrom.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Automated Accounts Management Services
State: MI

Complaint narrative:
I have continued to diapute this company i have had a fraud allert for years on my report as my info was stolden uet they keep reporting debt thats not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
I want to know why XXXX was hit with a consent order in XXXX and told that employees of the debt collector could not testify in court as custodian of records as to the validity of the documents, and therefore not have the documents submitted into evidence, it is still allowed in XXXX? Specifically by Absolute Resolutions. A debt buyer that uses it 's own employee, XXXX XXXX, to testify as custodian of records for debt that originated with XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-09-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am disputing a credit charge from XXXX XXXX in the amount of {$890.00} .On XX/XX/XXXX, I entered in to an agreement with XXXX XXXX giving me a 24 month grace period ending in XXXX I have been trying to correct this error with XXXX Research Specialist TD Bank which provided the loan. I have emailed her left messages on her voice mail, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Recently, I filed a Reg E claim with my institution.There were several attempts to utilize my card at internet sites and on from XXXX XXXX has posted to my account, the others were rejected. Since filing this claim I have followed all steps directed from TD Bank. I have filed a police report with my local police department ( City of XXXX Police Department case # XXXX ), only to be told that I must file a police report with another police department where items were sent utilizing my card information. 
The branch has told me there is no way for them to contact the fraud department to share information I have received about the fraudulent purchase. The items were sent to XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I am inclined to believe this fraud happened after my card information was compromised at a dealership after a legit transaction. I recently placed a hold on a vehicle at XXXX of XXXX which is only 20 min from the delivery address of the fraudulently purchased items. Additionally, the customer service department now tells me that it is my responsibility to seek a refund from XXXX XXXX and that I may have to wait for the bank to file a claim with XXXX. I have not even been given provisional credit and it seems that the bank is somehow not processing this Reg E claim as I suspected. I did not make these purchases, I have provided all pertinent information that has been requested and I feel like I am being given incorrect or additional steps that I am not sure is required of me. I really want the Bank to fully investigate and catch these thieves but I also would like for them to provide provisional credit during their investigation. I am willing to help the best way I can but it seems that some of the request are a little convoluted and actually are in sense beyond my control.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Upon first request to verify dept, Dept collector did not send anything other than who the dept was owed to. A second request was made asking for a copy of the original signed contract with which I could verify the debt. The dept collector then sent a form letter from the company owner saying I owed the money. Five months later I receive a call from a process server that he has a summons to serve me for collections and court. 

The attorney that owns this debt collection company " Express Recovery has numerous complaints, and was reprimanded by the Utah Bar for unethical practices in 2006 but continues to use unethical practices to collect from people who do n't know their rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-03 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: TX

Complaint narrative:
My Name is XXXX XXXX. I am filing this compliant with the CFPB, because I have tried every other avenue available to dispute and remove a student loan that I never authorized. I have been added as a co signer for a student loan. I never agreed or authorized anyone to add me as a co signer. It is fraud. I have filed several disputes with the credit bureaus. I have received the hard copies of the loan documents from XXXX XXXX. The loan documents are riddled with incorrect and in accurate information. I will just list a few of the obvious errors. The loan documents state that I am a US citizen which I am not a US citizen. I am a XXXX Citizen and Permanent Resident of the United States Of America. The addresses that are listed on the loans are not correct. I have never lived at the addresses that are presented on the application. I have filed a dispute to the credit bureau 's and they have removed those addresses from my record but they did not remove the student loans that caused those addresses to appear on my credit. The Salary that was entered was not correct along with my debt obligations. This account applications are riddled with errors. The fact that I ca n't get these falsified records removed from my credit has cause me significant damage. I have been unable to obtain new credit when I have needed it. I have been receiving hostile phone calls from credit collection agencies stating that they are going to go into my bank account and steal my hard earned money. I have exhausted all of my options except for hiring an attorney to sue these companies which I could not possible afford to due at this time. I understand this is a relatively new agency and I hope that you will be able to help me with this situation. I feel like I am fighting a giant that does n't care or want to help me with this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Loan began XXXX 2009. Original note : XXXX. Appraised value : XXXX. Conventional loan. Never missed a payment, auto withdrawal from bank acct. I have contacted BofA numerous times over the last 6 yrs attempting to have the PMI dropped. Customer service has given me many different responses, including it will NEVER be done. Last person I spoke to 18 months ago told me to wait for about a year and my loan balance will then drop to less than 78 % of original amount, and it would AUTOMATICALLY be dropped. I waited 12 mo, called back, only to be told to wait a few more months. In the meantime, each call generated a letter to me advising me that I would need to have an appraisal done to have the PMI dropped, and that even then, the bank has the option to refuse to drop it. WHAT? What happened to the FEDERAL LAW that states the bank must terminate the PMI when the loan is less than 78 %? Today, I called AGAIN and was now told that the bank does NOT have to terminate it automatically, that I have to REQUEST it, and all they can do is send yet another letter telling me I need to pay $ XXXX for an appraisal that BofA may reject!! How can they get away with this? What I want is the PMI to be TERMINATED per Federal Law. I want reimbursed for any PMI they charged me for since the TIME my loan met the Federal Law requirement.

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 2015-06-26 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a Fidelity XXXX card issued by FIA. I have XXXX issues. 1. When I originally applied to the card, I was responding to an offer that promised a {$100.00} cash bonus upon approval of the application. I never received the account opening bonus. XXXX. The card has a 2 % cash back program ... the cash is deposited into my linked Fidelity XXXX account monthly ... .which has been working flawlessly except there was no deposit for the month of XXXX. I have dispute the points/cash back calculation with FIA but got a letter saying the calculation was accurate ... which is not possible because I have made purchases every single month ... .in other words, there was no month since I 've opened the account where the balance was {$0.00} and I should not have received cash back XXXX. I recently received a credit from a merchant ... .this was a refund against a purchase made on a different card which is now closed so I opted to receive the refund on my FIA card ... .but this has offset cash back points. This should not have happened as it is not a refund of a transaction that was originally made on this account but rather essentially a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief