vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-30 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: TX

Complaint narrative:
td bank checking account number # XXXX on XX/XX/2016 two transactions as follow : 1. ) XXXX {$89.00} 2. ) XXXX {$XXXX} caused a total of {$85.00} dollars in two seperate overdraft fees and one monthly account maintence fees, these companies had no authorization to charge my account and they recently cancelled both transactions and refunded all funds which these fees originated from. td bank refuses to allow me to file claim disputes over the phone because they claim they can not verify my identy. i live on the military base in XXXX ( XXXX ) texas and their is no td banks in the state of texas. i should not be responsible for these fees as it were not my neglengence

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
The account was included in my chapter XXXX bankruptcy filed XXXX/XXXX/16 and discharged XXXX/XXXX/16. The creditor was included in the bankruptcy and the debt has since been discharged. I have disputed this account multiple times online to each credit reporting agency, and the company came back stating the account was reporting correctly, then corrected the account - deleting it from my report, to then re add it as an open trade line on my credit, not included in my bankruptcy, or a zero balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I bank with TD Bank and have my mortgage, checking and savings accounts with TD Bank. When I moved from one address to another, I updated my address by calling TD Bank 's customer service, however, the agent failed to update my address for mortgage account while he updated it for my savings and checking account. TD Bank received undelivered mail for my mortgage account and never bothered to inform me through email or phone both of which they have available. In the meanwhile, the monthly mortgage payment went up from {$1000.00} to {$1000.00} due to change in escrow, hence increasing the payment by {$22.00}. I had an automatic payment set up from my TD Bank checking account to TD Bank mortgage for {$1000.00} monthly and was never made aware of the change in payment. I happened to see the change XX/XX/XXXX, almost 8 months after the change and called up TD Bank. They had by that time charged me several fines of {$33.00} each, used my payments for payment of additional principal pay downs and in ways that even customer service agent also could not fully explain what the algorithm used for my payments. In any case, I brought myself up to date by paying the fines and made the additional payments in XX/XX/XXXX and requested that I be paid back the fines and my credit report be corrected. I have maintained a large balance in checking account at TD Bank and there was always sufficient cash available in the account to pay the additional {$22.00} per month. Since I have been a customer of TD Bank for over 8 years, I thought it would be a simple thing to get my credit corrected and fines credited back to me after the bank looks at the circumstances. However, TD Bank refused to do so. I strongly believe that the issue arose because of their customer service agent 's mistake and second because they failed to inform me when they were getting my mail returned to them. I would appreciate if you will take up the matter with TD Bank and have the matter sorted out. I would like to have fines returned and most importantly my credit corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Please find attached a copy of a R.E.S.P.A. Qualified Written Request. 
Borrower has requested these items many times and was told by her local branch that TD Bank does not provide this information any more. This a violation of RESPA. 
Borrower has been sending in monthly checks in the total monthly payment amount or in excess of the monthly payment amount and has only watched her arrearages increase. In discussion with TD Bank 's Foreclosure representative, XXXX XXXX, he stated payments were being re-issued to the borrower but at the wrong address. The borrower was never aware of these TD Bank checks that were rejected for a suspense account and has always believed the payments were being applied to her mortgage, as confirmed by her local XXXX, MA TD Bank Teller. On XXXX XXXX, 2016, we also submitted a full financial package to be reviewed for a modification. We believe she would not be in this position as extensively as she is, if TD Bank had notified her of their reissuing checks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Per my recorded conversation with XXXX XXXX on XXXX XXXX, 2015, I accepted Citizens Bank 's offer on Case Numbers XXXX and XXXX, for a 10-year XXXX XXXX XXXX XXXX with XXXX Monitoring at no charge to me and also the offer to waive the {$620.00} processing fee on my current and only application with Citizens that I set up with XXXX XXXX, on XXXX XXXX, 2015. I followed up with a letter and email on XXXX XXXX, and have n't heard back on how to proceed. I sent a follow-up letter and email to XXXX XXXX, XXXX of XXXX on XXXX XXXX, 2015 with still no response. I 'm perplexed why XXXX has n't responded to my emails or letters and have n't honored their letter dated XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Senex Services Corp.
State: OH

Complaint narrative:
I have multiple things on my credit report that do not have a contract with biller and medical bills charged when I was insured by XXXX and should n't be charges, then sold to a collection company whom I do not have contract with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
i applied for a TD bank credit card. i was promised a {$200.00} sign on cash bonus when i spent {$1500.00}. i did my part the bank will not issue my {$200.00} sign on bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 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: NJ

Complaint narrative:
I am a TD bank member and I had an issue with a company that was withdrawing from my account without my authorization and was taking out 4 different payments this also caused me to have overdraft fees. I went into my local branch to clear up the matter and they explained they could not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am writing to dispute a billing error in the amount of {$25.00} on my account. I submitted a payment of {$19.00} online for the balance on the Target Red Card on XXXX XXXX, 2016, a month prior to the payment due date of XXXX XXXX, 2016. The payment was posted on XXXX XXXX, 2016. The payment was not accepted and I was charged {$26.00}. I resubmitted the payment after being emailed an alert on XXXX XXXX, 2016 stating the payment was not received. I contacted Target to discuss the matter and resubmitted another payment for {$19.00} that day. Target Card Services customer representative would not correct the {$25.00} charge or provide me with information regarding the process to dispute the charge. The representative informed me that I could not dispute the charge because Target was not at fault. I found the address for Target Card Services on my own and wrote a letter to Target Card Services requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. The next month I was sent a bill with a {$25.00} charge in addition to the {$26.00} balance for the original fee charged by Target Card Services totaling {$51.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I heard, through a friend, about a promotional offer from Wells Fargo. The offer stated that Wells Fargo was offering a {$250.00} cash bonus when you set up a new " XXXX Checking Account ''. I went to my local branch located at : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX After meeting with a banker I was told that they did not have any way to honor the offer, but that I should come back in one week and they would be able to do so. Instead I went online to set up the account, following all the instructions on Wells Fargo 's offer page for this promotion ( https : //www.wellsfargo.com/XXXX I then received an email that my application had been successfully received -- this email also included instructions for the bonus offer. After five days of waiting I had not heard anything else from Wells Fargo regarding my new account, so I called their customer service line for clarification. I was informed by a representative that I did not qualify for the promotion since I had not received an individualized email offer code for this particular promotion, even though such requirement was never mentioned once on their offer page, or in the confirmation email, or indeed at any time during the application process. 

It really seems like Wells Fargo put out a promotion to earn new customers without any intention of honoring that promotion. I would never have set up this checking account if not for this special offer. I feel completely duped. This seems a clear case of false advertising to me.

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 2016-02-12 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I received notice XXXX that an account was opened up in my name at TD Banknorth.I called them and was told that there was no money deposited in that account.This morning I received another XXXX notification that on XXXX/XXXX/XXXX another account at that bank was opened again. I called and was told to fill out a fraud notification before they would go ahead with any investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA

Complaint narrative:
I received a letter a few days ago stating that my acct went to collections, and is & gt ; 180 days late, yet this is the FIRST letter I receive. I did reply promptly when I received the letter, but they sent my account to collections. They stated that they had a incorrect address for me, until last week. I feel that this is a unfair collection practice, as they get a lump sum when a collection agency purchases the account. Please notice how they suddenly found my correct address when they decided to notify me they would be sending me to collections. Furthermore, they had my correct phone number, and never bothered calling it. My phone broke last week, but I 've had my # XXXX for years, and not once did they call me. ( I have screenshots of my conversation with the ECSI rep ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Received a letter from Receivables Performance Management ( RPM ) that I owe amount to XXXX company. I did have XXXX account 10 years ago and it was closed. Even my name on the letter is incorrect and incomplete. Total money extortion in my opinion.

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 2015-10-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
I have requested this debt to be valided and proper documentation provided to support that I was in contract with XXXX and had past due Cell Phone bills. I disagree that I was in contract and that debt was still owed. After 2 years, hours adding up to over XXXX speaking with XXXX as well as RPM no contract can be located ( there was no contract ). At that time XXXX lowered the debt from {$1900.00} to {$1100.00} I continued to dispute as I know I was not in contract and the response from RPM and XXXX was proven incorrect at which point the reason for the debt was changed. They stated that I cancelled during contract I advise I was not in contract and to supply me the contract at which point RMP asked me to supply them proof I didnt have a contract! That is not even possible as XXXX does not exist. When speaking with XXXX they advise that THEY turned me off for non-payment as the amount being reported was higher than if there was a contract cancellation. I provided XXXX with proof that I was no longer with them and transfered all my phones XXXX XXXX and that if THEY were the ones that turned me off for non-payment I would not to this day have the same number. That is when they lowered the amount as stated above. At that point I offered to settle for {$350.00}, I had already disputed this again for years, was verbally abused by the collectors, disputed it with the credit bureaus, sent in a Qualified Written Request, which no response was ever provided and this showing on my credit bureau has destoryed my rating and falsely represents my ability to maintain my credit obligations. RPM stated they would have to get approval. I called back and they advised me XXXX would accept {$400.00}. I asked for a letter to verify that they would be removed off my credit and that we would settle. I waited XXXX business days and called back. Was informed that the account was cancelled by XXXX and Transfered. I asked for a letter in writing stating what has occured and was provided a letter and was told that they would report to the credit bureau as cancelled. I have again spent months trying to get them to update as THEY ARE OBLIGATED TO DO. This debt is not only showing on my credit but now for XXXX different amounts, {$1900.00} and {$1100.00} and dates!! This is a direct example of their business practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Neighborhood Housing Services of Toledo, Inc.
State: OH

Complaint narrative:
I first filed a complaint on or about XXXX/XXXX/16 about XXXX, and their deputy director XXXX XXXX, but I never heard back from you about this matter. Since that time I have learned that he has instructed everyone at XXXX not to speak to me or even answer my e-mails. 

He is doing everything possible to make it difficult for me to use their home improvement loan in order to get anything done.

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 2016-06-20 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received an e-mail on Friday, XXXX XXXX, 2016, telling me the following : " Your card information may have been stolen due to a data breach at a business where you recently shopped. As a precaution to help protect you against fraud, we 're reissuing your card with a new account number. There 's no need to call us unless you see transactions you do n't recognize. '' I called the company, Capital One, today, Monday, XXXX XXXX, 2016 at XXXX to ask what company had the data breach and what personal information was stolen. 
After speaking to a service rep and getting no where, I asked to speak to an account manager and was told that the company could not provide me with that information. 
I told the manager, XXXX, that I am entitled to that information. He again said they could not provide me with the information. 
I find this difficult to believe and would like you to investigate this nonsense and have someone provide me with the information I requested from Capital One. 
I want to know which company had the data breach so I do not shop there again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
I had a student loan account with XXXX University that I applied for a cancellation under the Federal Perkins ( XXXX ) Student Loan. I completed the request for cancellation benefit or deferment prior to cancellation. In addition, I submitted the necessary forms to verify my then and current employment status teaching in an low income environment. I also, had my job verify my employment as requested. 
My loans was recently sold to Heartland ECSI, who stated that I need to start the process over with them, And that they will only issue a cancellation in the amount of! 5 %! 

I feel this is illegal! The terms of the original loan company should be honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XXXX, I presented a {$2500.00} check to my bank branch for cashing purposes. I did not know the check writer well, it was a web generated check, and I had questions about the authenticity of the check. I asked the teller if the check looked alright. She promptly responded that it was ok and that all the funds would be released the following morning. Two weeks later, my account was charged back the {$2500.00} due to NSF in the issuing bank. I soon found out that the check writer had a record for issuing bad checks. She did not respond to requests to meet and return the money to me. The branch manager was not very helpful, but finally agreed to issue a statement that confimed that it was a fraudulent check. He also admitted that the teller should not have stated that the check was alright. I filed a police report, and they were surprised that the bank did not look more carefully at the check, as it looked suspicious to them. I filed a formal complaint ( received a complaint number ) with the bank fraud department, and was told i would receive a call back within 48 hours. No response from them. I called a week later and repeated the request, and was told again that I would receive a call back in 24 hours. I did not receive a response. I called a third time, and was told that my case was given to a different department, and I would receive a call back in 48 hours. I did not receive a call back. I finally filed another complaint with the main office of the bank. I was told there was nothing that could be done, since the bank policy did not guarantee that a check would be honored if there were insufficient funds. I am complaining that 1 ) the branch office mishandled the cashing of a fraudulent check, and all funds were released in a very short time period 2 ) the branch manager was uncooperative despite admitting the check was fraudulent, and the teller should not have indicated that the check was alright 3 ) Repeated lack of response to formal complaint. I am requesting that the {$2500.00} be restored to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Genesis Lending
State: CA

Complaint narrative:
I believe I have Genesis loans from Corinthian Colleges and would like to know if they were included in the CFPB settlement. 
Name : XXXX College - XXXXAddress : XXXX XXXX XXXX. XXXX XXXX, CA XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank has stalled for 5 years on a modification. It has added enourmous amounts of fees to my account. If in 2010 they would not of sent me a letter telling me to be 90 day late on my mortgage, I would not be in this position today.It has been 5 years of XXXX. Speaking with someone different every time you call, to no answer for weeks at a time. In California we are to have XXXX point of contact and there has been XXXX in the last 10 months. My loan was origiated with Washington Mutual and they have yet to prove how and when they aquired the loan. Now after 5 years they tell me XXXX XXXX owens my loan not them. They have encased over {$150000.00} in extra fees on my accout because of their incompetence. When we whent to refinance in 2010 from an ARM to a fixed they continued to turn us down, even though we had perfect credit, saving in the bank and permenant jobs. This bank has stalled and stalled this process way to long. We did not over extend our finances. Now they have us over extended and in a hard place.Title on our home is so clouded no agent want to touch the process if we wanted to sell. This bank is evil. They play games for months on end putting peoples lives in turmoil, I am beginning to think they like to do this so people will just give up.

Company response to consumer: Closed with explanation