vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My Complaint is regarding an extra {$12.00} charge that Target .com placed on my Target Credit Card when they sent me not XXXX pkg of XXXX XXXX Towels but XXXX pkgs of XXXX XXXX XXXX & I refused XXXX accept the Extra XXXX pkg from XXXX and the Paper Towels were Returned and was Received by Target Dock and sign by XXXX.Target has inform me that they wo n't refund the extra {$12.00} which I believe is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
TD Bank continues to pursue me for a debt related to a foreclosure that occurred well over five years ago. The property associated with this mortgage was surrendered in XXXX of 2011, and despite that, TD Bank continues with collection efforts. They continue to report that I have a balance owed to them on my credit report as well. The statute of limitations to collect a debt in the state of North Carolina is three years, so their continued efforts and reporting is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Automated Accounts Management Services
State: IA

Complaint narrative:
I have XXXX XXXX XXXX so i have no hospitals bills plus the Collections i see it wasnt me. My. XXXX had stole all my important things like birth certificate id social security card evrythjng and has been falsy usi g my identity..if i go to doctor my i suraces which are active pay for it all. So any that dont have my i surance wasnt me. Please help with this ... im homeless causr. Of my credit .my mothrr ruined it t she died now its my aunt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 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 've been dealing with major overdraft charges every month from my bank and I. Any understand that every month my account is almost XXXX in the negative every month. For the last two to three years my account has never been possible longer than 2 months without occupying late fees and overdraft charges. I 've spoken to the bank reps and I 've visited my local branch.im reaching out to cfpb to see if they can dig deeper into the account and help me to start saving my money instead of just giving it away freely back to the bank.TD bank is one of the worse banks I have ever dealt with and I 'm ready to just close all my accounts and put my money in a credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Attached please find copies of old CD that TD bank refuses to pay. 
According to the record " required distribution is XX/XX/XXXX '' I moved at the time XX/XX/XXXX and now discovered CD statement are not forwarded but sent back to the bank. I lost track of them until I cleanned out my safty deposit box the bank refuses to pay me when i went to withdraw

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: WI

Complaint narrative:
I have been behind on my vehicle payments a couple of months and trying to make arrangements. I explained my situation of switching jobs and being a victim of XXXX which led to a custody battle that led to me having to come out of pocket for attorney fees. I advised a representative I could not follow through with the arrangement at the end of the month as my rent is due which is first priority, he asked me was I behind on my rent by 60 days and I could not afford to not follow through the arrangement and make the payment I agreed to pay 48 hours before the payment was to be drafted. They failed to cancel the payment from my account which is going to result in a non-suffient funds fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 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: MD

Complaint narrative:
I was granted a back-dated forbearance including the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, where payments were listed as late, however, my account notes that the account was in a forbearance for those months. I wrote letters to XXXX and XXXX, who in turn contacted My Great Lakes, however, I 've never received anything from the account servicer stating otherwise. I called them as well and the issue was not able to be resolved. I would like the late payment information from those months deleted from XXXX and XXXX and any other data repository. I have copies of the letters sent, and I have never received correspondence from My Great Lakes. ( 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 2015-12-09 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Numerous credit cards were fraudulently opened in my name due to identity theft. I filed all necessary paperwork / affidavits / police report. Target said they did n't receive my paperwork. I resent and was told they would contact me when they received it. They forgot to contact me. They also forgot to process the paperwork. They have not forgotten to send me fraudulent bills for over {$3000.00}. They will not provide me with information on how to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Renton Collections Inc.
State: WA

Complaint narrative:
I called Renton Collections bc I saw a negative reporting on my credit report. After being placed on hold and transferred numerous times, a gentlemen told me what it was for. He said he couldn't accept my XXXX month minimum payment and they do not offer settlements. So he said he needed to transfer me to another person that I could talk to. This persons name is XXXX. She immediately asked why I was calling her and I told her I was transferred to set up a payment plan. She then told me XXXX/month. I told her that I'm unable to pay that much at the time and she started yelling at me saying obscene names. She said that it wasn't her XXXX problem that I couldn't pay it and what a loser I was. I asked what her XXXX name was and she said that it was none of my XXXX business. I then asked to speak to her boss and she said was the boss. So I asked if I could speak to someone above her. She said she was the boss and that my broke XXXX needs to pay the bill or shes threating garnishment today. I said what if I file bankruptcy? She said not if I beat you XXXX and hung up the phone. Ive never been treated so horribly to try and pay a bill!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am a victim of fraud. I did go online to be a mystery shopper and was contacted to a assignment for XXXX XXXX. I was XXXX a check {$1900.00} for my assignment. I went to TD Bank in XXXX Florida and deposited this check. After several days I call TD Bank to verify if this check was even good. I spoke to a financial Representative she stated that this check DID CLEAR. again I asked it cleared? Again she stated IT CLEARED. I then went to the same TD Branch to withdraw money to complete this assignment in the amount of {$1600.00}. I was called again from this MYSTERY Shopper if I would be able to complete another assignment. Again, XXXX brought me another check with another assignment Went back to the same branch at TD an made a deposit.. Waited several. days called again XXXX # and this time they said the check did not clear. That evening I received a letter from TD Bank that the 1st check was fraudulently written. TD mandated me to get my account in good standing and deposit money. I did this immediately. I was angered about this I called the XXXX number and went round and round finally got a supervisor she listened to the tape and she admitted that TD Bank Rep did say it " CLEARED '' that they TD were going to refund {$930.00} to cover my deposit and XXXX return check fee. This was very nice, but I had in this account {$710.00} before all this took place, she was unwilling to return this amount. I found this to be inaccurate and unjust if TD Bank admitted fault. they should have returned all the monies. I am requesting that XXXX be returned from TD into my account..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I went into a jewelry store to look at some XXXX watches between XXXX-XXXXm on XX/XX/2015. A salesman talked me into seeing how expensive of a XXXX I could finance. It was a Sunday and I thought " why not? ". The guy sat me down, and asked me for some credit information. Told me I could afford {$2400.00} of watch to finance. I did not purchase anything at the store and walked out. Shortly after, I received a credit card in the mail - I thought it was a fake promotional card. It was a card from this jewelry store, account opened XX/XX/2015, the same month and the first and only time I entered that store. The salesperson did not have my permission to open a credit card account, and I never knowingly gave my consent for him to do this. I was asked for my financial information under the notion that it would be used to determine my credit worthiness - opening an account under my name was NEVER mentioned. As soon as I received the credit card, I called the creditor to cancel the account. 

I have attached a screenshot from my credit report - the trended data shows that I never used this card. I never had use for it because I was never interested in applying for a card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was a victim of fraud involving my Bank of America debit card. I immediately reported this to the bank on XXXX/XXXX/2017. Someone used my debit card numbers to purchase {$85.00} at a XXXX. I filed a police report the same day as I advised the bank. The bank advised me to call again the next morning, which I did. I got a recording saying the department was closed. I then tried contacting the bank using different phone numbers. I spoke to two more people who refused to do anything about the claim-including filing it. Today I went in person to the bank and spoke to a XXXX. This guy was rude, unhelpful, argumentative and told me to " sit and wait a week, then call the bank, then they 'll do something about it. '' This makes five attempts at filing this fraudulent charge and resolving the issue so that I can use my account. The transaction has been sitting now hung up as a " processing '' transaction for five days. Not only can I still not use the account, there 's no record of the fraud claim, and I have no useable debit card. The bank 's negligence is affecting me personally as I live alone and have only XXXX useable checking account, it allows the criminals to do this to others over and over and over again. XXXX flat out said " We will not look at video or question anyone, it 's just {$85.00}. ''

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 monetary relief
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have a direct consolidation loan serviced by Navient. When I consolidated in 2013, I elected the income based repayment plan ( IBR ) and have complied with the loan terms and annual recertification requirements. When the subsidized portion of my loan became ineligible for interest subsidy after 3 years, Navient failed to notify me. I expect my student loan servicer to work with and not against me, and to keep me abreast of upcoming changes or deadlines that affect repayment. Luckily, with all of the recent scrutiny Navient has received, I logged into my account to review my loans and saw the accrued interest that I had become responsible for some months earlier. Navient 's failure to alert me to significant changes to my account speaks only to Navient 's blatant disregard for its stated purpose and usefulness as a loan servicer helping people with their financial goals. 

Magazine subscribers, for instance, are reminded months in advance that their subscription will be ending soon so that they can act accordingly ; why would n't my student loan servicer offer me the same level of courtesy and support for my larger sum financial expenditure as my magazine subscription company does for an expenditure much smaller?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
XX/XX/XXXX my rate reduction plan was extended. This was confirmed after an extensive financial information check by Navient with myself and my consigner. I received a verbal approval from both the representative and their manager plus was given a confirmation number. I verified my banking info and was checking the correct amount came out my account each month since then. Per the conversation in XX/XX/XXXX this plan was set to last 15 months. 
Today, my consigner 's wife informed me Navient called. I called to check in and make sure everything was all set and was told my account was delinquent. I verified my info and the collections department told me my plan back in XX/XX/XXXX had been denied, but I had not need contacted and they had continued to take out the agreed upon amount. I asked to be connected to be connected to the rate reduction plan line and the 90 day delinquency department refused. They told me I must pay the amount they ensured me I was unable to pay months earlier. I was told someone was supposed to follow up with me but never did. They had no documentation on why I was denied or why I was not contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone opened a Bank Of America XXXX XXXX account that I have explained to them and proven to them that It is not mine I am only XXXX XXXX XXXX and they put my date of birth as something totally different but I am getting denied to open any further checking account 's for something that I did n't do.

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 2016-05-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I called Navient on XXXX/XXXX/2016 to put my private student signature loans on forbearance because of unemployment and was told to call on XXXX/XXXX/2016 - five days after the due date for the student XXXX loans. I called today ( XXXX/XXXX/2016 ) and the woman who first helped me put me on hold and the call was dropped after 5 minutes. I call back and got a man who said my loans were up-to-date and I did n't need to request a forbearance until the XXXX. I told him that I wanted to do it because it 's pass the due date and I see payments were coming due. Then all of a sudden, the call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I tried to use my debit card at an ATM on XX/XX/XXXX so that I could pay for lunch for my family. For some reason, this locked my ATM card. I spent an hour on the phone trying to get a hold of a Fraud Specialist but I never got through. I have sent emails and tried multiple times since XX/XX/XXXX Sunday to reach a representative but have never gotten past the 'hold music ' -- I have also not received a response email from XXXXXXXXXXXX - which is the email they suggested I use. I need my card unlocked. Bank of America has a flawed system!

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 2015-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My mother had a checking account and two savings accounts with Bank of America. When she died, my brother informed the bank and provided a copy of the death certificate. Each account had a payable on death beneficiary. The bank 's initial response to my brother ( who had held power of attorney prior to my mother 's death ), was that they would " reach out to each of the beneficiaries. When none of us received any word from B of A, my brother again inquired and was told we needed to provide court documents that are unnecessary, as all my mother 's assets were available as non-probate transfer. I went to a local B of A banking center, where, after an hour and a phone call by the associate to corporate that was transferred from one person to another, I was finally given forms that needed to be completed, notarized, and returned to the bank. When I returned my form today, a different associate indicated that what I had been given was not the complete form, but did not indicate what was missing. She also insisted that my brother her call her ( my brother lives in XXXX, while I am in XXXX of which my mother was also a resident ), but refused to say why he needed to call. When he called, he could not speak to her and left his phone number, but did not receive a return call. We are very frustrated with the length of time it is taking to close out these accounts and access the funds, which we need to pay my mother 's final expenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have tired to correct information on my credit report. I have disputed it with both the Bureaus and the creditor. They have not properly investigated and resolved my issue. Bank of America Mortgage begin a modification process on my XXXX and XXXX mortgage at the same time XX/XX/XXXX. After complying with the terms and paying the trial modification my XXXX was modified permanantly in XXXX but my XXXX was not. I constantly asked Bank of America the status, they said it was still working, I continued to pay the trial payment, then XX/XX/XXXX I got another notification that my XXXX mortgage was under trial modification, Again I continued to pay it on time and XX/XX/XXXX the XXXX became permanant, almost 1 year later. Bank of America reports that I was 120 days late and that I was late on my XXXX mortgage since the trial began. They corrected this on the XXXX mortgage but not on the XXXX. I made payments as agreed and yet the report is not an accurate reflection of what happened. I never got an explaination as to why the XXXX mortage took so long. But with the XXXX, Bank of America Reported that I was on time from the start of the XXXX XXXX. In addition when we started this program - due to job loss- we were told there was nothing that cold be done until we were behind. I would like to have my credit reports reflect as paid as agreed on my XXXX mortgage from XX/XX/XXXX until now. I have attached documetation showing my payments, the agreement and the impact on my credit report. Please HELP I have sent endless disputes to Bank of America and The Credit Bureaus to no avail. This really hurts my ability to get back on my feet, since the modification, we have been able to make payments and straighten out our financial lives, this inaccuracy does have devastating impact.

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 non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TX

Complaint narrative:
I was approved for a fha home loan thru primary residential mortgage, with XXXX XXXX .working with a realtor through the whole process.we got to the part where I paid for the appraisal. But me and the realtor were questioning the lender about why the closing cost kept changing, ( getting higher ) the second time I questioned him he said oh I meant to call you. The underwriter could not get you approved because of your bank statements. And I need you to send me something in writing saying your withdrawing your request for the loan. that you do n't want it anymore??? My realtor got the approval letter from the lender also. And I just happened to pay XXXX the day before for the appraisal. Sounded fishy to me and the realtor

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been pating {$15.00} a month that automatically comes out of my account every month for over a year. My payments are low due to my income. XXXX 2017 they raised my payment to {$51.00} without any notice or warning they took it out of my bank account when I called them they told me that recalculated my payments so my loan would be payed off in 14 months which is my time limit. I was never told I had a time limit. They said I could n't do time forbearance because I did n't have any left. They said I couldnthink lower my payment back down cause I only have {$780.00} left to pay.

Company response to consumer: Closed with explanation