vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I applied for a TD Go account on XXXX/XXXX/2016 for my grandson who is going to co to college. I have called several times giving my order confirmation # and authorization no. to many of your customer service representatives who at any given time have absolutely no answer as to why this account, or car has not been issued. Each time I call I get a different person of course and they no nothing and I am being told there is no one you can speak to regarding what is happening. I am extremely angry with TD bank as I have been a customer for XXXX years and can not understand this form of business dealing. -- I am at this point going to close all my dealing with this bank and believe me I will tell everyone not to deal with TD bank ever again VERY POOR CUSTOMER SERVICE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
States that my funds availability would be on the next day, my funds were n't released and a representative stated that I would receive a {$100.00} until the check clears. Called in the next day and a manager stated that 's not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
THOSE SEVERAL DEBIT ARE NOT MINE, OR I HAVE NOT AUTHORIZATION, OR NEVER USED THIS COMPANY, TO RENT O BUY MOVIE ... .I INFORM TODAY A TDBANK SUPERVISOR, XXXX TO XXXX ( fraude of {$100.00} ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX PURCHASE AUTHORIZATION XXXXXXXXXXXX {$1.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$1.00} XX/XX/2016 XXXX {$3.00} XX/XX/2016 XXXX XXXX {$3.00} XX/XX/2016 XXXX {$9.00} XX/XX/2016 XXXX {$9.00} XX/XX/2016 XXXX. {$20.00} XX/XX/2016 XXXX {$59.00} I NEED THAT CFPB HELP ME TO ( FORCE ) TO TDBANK RETURNED THIS AMOUNT OF $ XXXX.CONSIDERED ( FRAUDE ). TODAY I AM MAKING THE REPORT TO TDBANK ... .REPRESENTANT TOLD ME THAT WAIT UNTIL TOMORROW XX/XX/2016 IF IT OCCUR ... ..I NEED MY MONEY BACK., I APPRECIATED YOU COLLABORATION Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX SIMPLE CHECKING - XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent out a certified letter to XXXX and they responded with the attached letter that they are not reporting my account to any of the bureaus. Please remove this account as per the attached letter.

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 2017-02-09 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: PA

Complaint narrative:
On Tuesday ( XXXX ) around XXXX, I called XXXXGreatLakes to arrange a payment to pay XXXX of my Stafford loans IN FULL. The customer service rep gave me an amount and then took my card info so that the payment could be processed. To my surprise, I checked my online account info and found that this payment amount was not directed to the XXXX loans that I requested, but it was also spread onto my other XXXX loans. My account says that it is paid ahead by over a year, however, my request was to completely pay off XXXX loans, while not touching the others. This request was made well before the monthly due date so there is no reason to apply any type of payment to the other loans, especially considering the payment applied to the other loans included both interest and principle. Whether the payment being applied this way was due to error or due to policy, it is completely unacceptable and the customer service rep acknowledged my intent to completely pay XXXX specific loans ( XXXX with the highest interest rate ) and failed to follow through properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
On XX/XX/XXXX I formally communicated to Prestige Financial and the CFPB if all efforts to collect the debit for our auto loan all communication going forward was to be done by EMAIL or Mail only. Please refer to claim # [ Case number : XXXX ] due to repeated harassing and back to back phone calls from Prestige Financial account managers. At that time I received confirmation from XXXX XXXX Compliance Officer Prestige Financial Services , Inc. our account would be flagged and alerted our account should be handled with Email/Mail communication only. Within this past week Prestige Financial account managers have made repeated back to back harassing phone calls to both my husband and my cell phones in addition to emails. My husband spoke with them on XX/XX/XXXX, XXXX, Incoming XXXX 2 mins. advising them payment would be made on XX/XX/XXXX when his VA XXXX benefits are deposited into our bank account. Within less than 7 days and the fact that on XX/XX/XXXX my husband advised when payment would be make to bring the account back current we received several more calls regarding the payment. Here 's is the documented harassing call log from our cell phone provider : XXXX call log XX/XX/XXXX, XXXX Vm Retrieval XXXX XXXX Voicemail XX/XX/XXXX, XXXX Incoming XXXX 1 -- XX/XX/XXXX, XXXX Incoming XXXX 2 ( Again my husband advised payment would be made on XX/XX/XXXX ) Today XX/XX/XXXX XXXX Incoming XXXX 44 sec XX/XX/XXXX XXXX Incoming XXXX ( call sent to voicemail ) In addition to the email received : Are you still interested in securing your account? I 'm happy to assist you but I need a URGENT RETURN CALL to avoid further escalation. I need a call back today thank you in advance.-XXXXXXXXXXXX XXXX XXXX Account Manager Prestige Financial Services , Inc .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Diaz & Associates, Inc.
State: NH

Complaint narrative:
My father received a call from Diaz and Associates for me and gave me the message. I called the number back and spoke to a woman who was very nice. She then put her supervisor XXXX on the phone. He was the total opposite. When I told him that I would not pay the bill because I did n't believe it was mine he became very rude. He started harassing me. I told him he was being harrassing. Having worked at a collection agency I know the laws. He then said that I must not have been very good since I was not working there anymore when in reality I moved out of state and im still in collections. He continued to be very rude and insulting. The mini Miranda was not provided by either him nor the first woman. I was not told my call was being recorded. When I told him to stop calling my dad 's he said the number was removed. When I asked what number, he refused to give it to me. I did tell him not to call my phone either as it is a cell and once I tell him not to he ca n't. He then told me that I 'm harassing him by not hanging up the phone. I told him I wanted to know what numbers were being removed and he again refused to tell me. He then continued to make comments to try and degrade me. I let him know that by doing what he 's doing he is still breaking the law. He finally gave me the numbers that were being removed and the call ended. This whole call was a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
While reviewing my Target credit card ( Master Card ) account online on XXXX/XXXX/16 I 've noticed that fraudulent transactions. I called the Target Card Customer Service immediately. I was advised that my card must have been compromised and it was going to be blocked. A new card will be sent to me. In order to remove the fraudulent transactions I need to complete the Fraud Affidavit and send it back to Target Customer Service. A blank copy of which was sent to me via email shortly following the conversation. I was n't made aware that I was going to lose access to my online banking as well. While trying to complete the Affidavit later that day I 've realized that I need to further review my account history, and provide details about transactions. To my big surprise, access to my online banking was denied ( after first try of logging in ) and or blocked with a message saying that I need to contact the customer support. I called immediately. I was advised that since there was fraudulent activity reported on my account they had to block my access until I receive a new card. I do not receive paper statements, therefore the only way I can see the account history and transactions is to go online. Target requires the Affidavit to be completed with the information about transactions including dates, amounts and merchants ' names. It takes 10 days to receive a new card. I 've asked if my username can be restored, and was told by the representative that it 's impossible. I asked if the account history can be emailed to me or sent via regular mail, and that was n't possible for security reasons. They only thing the representative was able to do is to provide me verbally over the phone the details about transactions that I remembered could be fraudulent. Target would not allow me to review the account history to insure that I am listing all transactions that I need to dispute as not conducted by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: COMMONWEALTH MORTGAGE, LLC
State: MA

Complaint narrative:
I attempted to refinance the mortgage on my condominium with Commonwealth Mortgage XX/XX/XXXX and went through the process as far as a conditional approval ( XX/XX/XXXX ). The conditional approval made reference to XXXX requirements that had been unexpectedly added to the conditions of the loan. The loan was then rejected due to the property 's non-compliance with the newly added XXXX requirements. 

Interest rates increased significantly between the application and denial dates. The first explanation that I was able to get from the lender was that it would have been difficult to sell my loan on the secondary market due to its non-compliance with ( the newly added ) XXXX requirements, and that I should have used a local credit union. Upon seeking further clarification I was told that Commonwealth Mortgage can not make loans that are not XXXX compliant, but no further information confirming this has been provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XXXX/XXXX/2015, I called Target to cancel my Target REDCard. The agent I spoke to XXXX would not listen to my request to close my account. He refused to close the account and despite my many interruptions, he continued to suggest reasons why I should keep the account open. I continue to repeat my desire to cancel the account and he continued to ignore me. I put my husband on the line because I was too uncomfortable to continue the conversation. XXXX would not cancel the card for my husband either. He continued to ask for me to be put back on the line. My husband made it very clear that the card should be cancelled and only then did I get back on the phone. XXXX then proceeded to pressure me more to keep it open. I gave the phone back to my husband and my husband asked if we could speak with a supervisor and XXXX refused stating only that I could make the request, not my husband. Finally we hung up, called back and spoke with another agent. The new agent attempted the same route, but we were more forceful this time and did not allow he representative to do anything but cancel. We spoke over the agent with each continue pressure tactic and stated that we needed to cancel immediately. We had to repeat the request to cancel over XXXX dozen times to make sure the agent did not continue the refusals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
TD BANK HAD AN ONLINE PROMOTION EXHIBIT XXXX AND IT WAS A {$150.00} BONUS IN 60 DAYS OF FULLFILLING REQUIREMENTS.FIRST WAS TO USE THE ONLINE PAGE TO APPLY, AND HAVE XXXX DEBIT TRANSACTIONS WITHIN 60 DAYS.I COMPLETED ALL THE EXACT REQUIRENENTS AS MY EXHIBITS SHOW CONCLUSIVELY. 
AFTER 60 DAYS NOTHING SHOWED UP AND I CALLED AND SENT EMAILS AND TRIED TO VISIT A BRANCH THAT WAS UNEXPECTEDLY CLOSED IN THE MIDDLE OF THE DAY.IT IS YOUR BASIC SCAM OF PHONE TAG WITH XXXX EXCUSE AND LIE AFTER ANOTHER WITH MANY, MANY REASONS FOR YOUR NOT QUALIFYING FOR THE BONUS, EVEN THOUGH YOU DID ALL REQUIREMENTS AND ALL THE PHONEY EXCUSES THEY CAN ATTEMPT, IN ORDER TO DISCOURAGE OR CONVINCE YOU THAT YOU ARE NOT ENTITLED UNDER THE CONTRACTUAL AGREEMENT TO THE BONUS. IT IS LIKE TREDDING WATER TO SPEAK TO ANYONE AT TD BANK TO RESOLVE THE MATTER, SINCE IT IS A CORPORATE MINDSET TO BE UNETHICAL AND THINK NOTHING OF BREACHING AGREEMENTS EVEN IN THE FACE OF OPEN AND SHUT EVIDENCE.I TRIED FOR QUITE AWHILE TO GIVE THEM A CHANCE TO DO THE ETHICAL AND LEGAL CORRECT THING, BUT THEY REFUSED OVER AND OVER. SO, IT LEFT ME NO OTHER CHOICE THAN TO SUBMIT MY CASE TO YOU FOR RESOLUTION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target report me to credit agencies for a card my adult son XXXX XXXX obtained and did not pay. This is illegal and Target is refusing to do anything. I am ill and can not have this occurring especially now. XXXX just called and told me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES
State: FL

Complaint narrative:
I have a loan that is from XX/XX/XXXX. XXXX. I was paying then the bank that had the loan went under. I did not hear anything for yrs then when I did the loan was XXXX. No records of any $. I asked about other $, was told they did not have a record and this was the loan amount. Starting payment again. Then new company took over, loan was again the XXXX with no record of $. This has happened over & over so many times I can not keep count. Now Great Lakes has it; they had the loan at XXXX w/n record of $. I have called them over & over to try to get this settled. My loan went to default once & I was paying XXXX monthly. Great lakes did not have this records either. I called the default department to get this moved over. I asked them to contact the company that I was paying & great refuses. They refuse to look for any payment history! The student loan is listed 3 times on my credit; I have gone around & around with the student loan to get this corrected. So they finally closed XXXX of them just to leave the XXXX listed as money owed. What money is listed on the other XXXX that they closed, that money should be transferred to the great lake account. I have cks showing payments great lakes does not have & they refuse again to accept or try to help get this correct. I was buying a house in XXXX TX in XX/XX/XXXX is when I got the student loan to close out the open accounts that was listed incorrectly. I was not in default and was paying at that time I have ck to XX/XX/XXXX. This loan should be paid off, yet as I sd before Great Lakes refuses to look for the other companies that has this loan & find the payments. This is an in just to me, I want the history of my payments found and applied to the 4K which is what the loan should be. I went to school to be a nurse. I have worked in the XXXX field for over 20yrs and now XXXX. They are threaten to take my SS. I want this removed & shown as paid. I have even tried to get them to take a pay off & they refuse. I do not owe XXXX$! Please help get this settled; I do not know how you will do this without me being able to leave personal info. So I feel this is also a waste of my time & who ever reads this. Where do good people get help from the crooks in GOV!? I have no other recourse but to file bankruptcy. Which is very very sad!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: IL

Complaint narrative:
closed XXXX/XXXX/15, deed and mortgage still not recorded. 
contacted ALTI SOURCE to find out why, no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY
State: AK

Complaint narrative:
My problem is with TD Retail Card Services. My husband purchased me a ring on a special finance ( 0 %, interest deferred ). He than traded it up 6 months later, they had a special of 8.9 on that. I am making payments on line, At the time of the payments I send an email requesting them to allocate the extra XXXX all to the account that I have indicated in the email ( deferred interest account ). They have yet to do this since XX/XX/XXXX payment. I have sent numerous emails and called. Since my husband obviously did the purchase with out my knowledge ( they were gifts ). They would n't speak to me by phone, I was hung up on twice while I was trying to get my husband on the phone to authorize me to speak with them. I got the same Representative 2 times before my husband could actually tell them to please speak to me to fix this. She then put me on hold until it disconnected me. when i called back and spoke to a supervisor, the supervisor refused to speak to me with out speaking to me husband. Even though the person that hung up on me twice was there and could verify that she has just got his authorization. This is 4 months of trying to get this repaired. I pay on time and always extra. I have about XXXX emails to there customer service along with sending in by fax all of the back up with proof we have been trying to take care of this mess. I cant even get someone with authority to contact us back. They could easily call my husband. We have had no luck even getting through when we are in the same place at the same time. AS FOR LOSS OF MONEY ... We will have to pay an extra XXXX in XX/XX/XXXX and all the interest it keeps accumulating, because instead of putting XXXX towards the account they are only paying XXXX. At that rate it will be well over XXXX to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I would like to file a complaint against TD Bank , NA Loss Mitigation Support. I have submitted not once but XXXX XXXX pages for an application for assistance in order to save my home from foreclosure due to my exhusband not paying after being court ordered and filing for bankrupcty relieving him of all obligations and authorizing me to modify the payments to keep my home. The first time I submitted the paperwork they sent a letter of denial to my exhusband instead of me which I would not have known about if I did not contact TD directly. I also missed the appeal deadline as well because I did not receive the notification. My exhusband signed everything over to me and TD insists they do not have his authorization when in fact I sent it both fax and regular mail certified. Because of the mistake they made my home is now up for Sheriff sale XXXX/XXXX/15. I stressed to them that they are sending any and all information to the wrong address and I was finally able to get a representative to correct the address since the rep I spoke to prior to this would not do so! I want to work with TD and start paying them what is owed and what my exhusband failed to do so I can remain in my home and not on the street! I have submitted more than enough information to them to help me in my situation. They seem to constantly lose paperwork and tell me I 'm missing information when in fact it has been submitted. The more they keep doing this, the more I am pressed for time and I am running out of options!

Company response to consumer: Closed with explanation