vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
TD Bank issues and extends credit for Nordstrom branded credit cards. The periodic statement issued is misleading. On page XXXX of the periodic statement, they offer payment options. It states " We offer many convenient ways to pay your bill - pay by phone at XXXX .... '' When you call this telephone number you do not ever get an option to speak to a representative or receive an option to pay your bill. When the telephone number is called all you hear is advertisement/solicitation XXXX after another, nothing else. For example, I called and I heard advertisements/solicitations for XXXX, XXXX XXXXXXXX, XXXX XXXX, multiple vacation offers and coupons. Never once were you given an opportunity to bypass these ads or given an opportunity to pay your bill as stated on the periodic statement. 

This is misleading, unfair and deceptive to consumers. For example, I do not have possession of my physical card and would like to pay my bill. I ca n't set up bill pay with my financial institution as I do not have the full account number. I ca n't choose online payment at norstromcard.com as I do not have the full account number. My only options are by phone or mail. Due to the timing and not wanting to incur a late fee, I chose pay by phone. It feel like a bait and switch by telling consumers they can pay at the aforementioned telephone number and that number is actually just solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
td bank is reporting my mortgage late 2 times on my XXXX credit reporting agency to wit XXXX XXXX and XXXX I sent in all proper documentation to prove it lates where under 30 days days and 2 months XXXX XXXX 2012 I have sent supreme court documentation signed by a supreme court judge and sealed it states XXXX XXXX is SOLELY responsible to pay it along with letters from my attorney in regards and if not followed we would sanction the court and file a petition I have had numerous accounts with TD never late. how can I be responsiblie if a supreme court judge order it double pay it I sent priority mail which they received XXXX XXXX verified they state they started on it XXXX well its past 30 days and they have not respond ed to me I was told they would last week They also send they would call I have called 2x week just to saty on hold over an hour and no help want file a complaint that there not complying with fair credit act this belongs of my negative file its only one on there thank you for your time and working on this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
My XXXX year child is getting calls from a local loan company, Western Finance. When they call they are asking her name and information without saying who they are. She hasnt given them any information and I have asked them direct four seperate times to stop calling her. Today, I was cursed at by their employee and hung up on. I have never had any type of loans through this company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank manipulated my account in order to force fees. They placed holds on checks and promised to refund fees related to those holds. They returned payments that should have been good, costing me money with my creditor and showing late payments on my credit report. Additionally, after they learned I intended to get a lawyer, they did n't remove the fees they promised to remove, they did n't properly initiate chargebacks, and they left my account at a negative balance. The following charges should not be on my account : XXXX/XXXX/2016 FEE OVERDRAFT {$170.00} XXXX/XXXX/2016 FEE OVERDRAFT {$70.00} XXXX/XXXX/2016 DEBIT VISA XXXX XXXX XXXX {$99.00} ( Not only was this charge unauthorized, their site advertises a 100 % money back guarantee. TD Bank has refused to initiate a chargeback and.or decided in their favor when I never authorized this charge ) XXXX/XXXX/2016 DEBIT VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ( Not only was this charge unauthorized, their site advertises a 100 % money back guarantee. TD Bank has refused to initiate a chargeback and.or decided in their favor when I never authorized this charge ) XXXX/XXXX/2016 FEE OVERDRAFT {$70.00} XXXX/XXXX/2016 FEE OVERDRAFT {$35.00} XXXX/XXXX/2016 DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$78.00} ( unauthorized ) I have screenshot text messages where they agreed to remove all fees and this never happened. Once I had to bring a lawyer into it, they did n't initiate the chargebacks after someone got a hold of my card number. They 're being vengeful instead of professional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I deposited my paycheck yesterday. Same business, local, check I deposit every two weeks for the last 3 years. The bank froze {$570.00} of my check saying " pending review '' without notifying me. I found out when I went to check my balance later in the day. It was over drawn because of bills I had paid since the money should be there. I called TD Banks XXXX # and was told at XXXX the money would be released in a XXXX of hours that it was a random thing. I called again hours later and was told it would not be released until tomorrow and they could do nothing to help me. They suggested I call the branch, I did and she was going to look into it. However it is now XXXX and the bank is closed. They have no right nor reason to freeze money on my account on a local business check they they can see every two weeks clears with no problems. This caused me great distress. today as I could not get gas and pick up my son. If they are taking a hostile action they should have called and told me. If they charge me an overdraft fee that will need to be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-07 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: Altisource Portfolio Solutions, S.à r.l.
State: DC

Complaint narrative:
On no less than XXXX occasions, I was told by XXXX that this debt was resolved. They billed me for pest control on a contract I canceled and for a property that sold in XXXX 2015. They also violated the XXXX, continuing to call my mobile after I repeatedly asked them to stop. 

After the last conversation when XXXX said the debt was not mine, and the balance was zero, I heard nothing for several months. 

I then received a collection letter from NCI demanding {$96.00}. Is that XXXX does? Ignore customers, tell them their debts are resolved and then forward them to an unsuspecting debt collector who is unaware of XXXX internal control issues and disregard for honoring their commitments?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America reduced my HELOC from {$50000.00} to {$20000.00} saying in the letter only that it was " based on the decreased equity available in my home '' - no further explanation. When I called them they suggested that I could get money on a credit card cash advance. 
When pressed, they said that they had established a value of {$480000.00} for my house which has a market value of at least {$650000.00}. Houses have been increasing in value in the last few years and typically sell on the first day they are on the market. I believe they are using arbitrarily and fraudulently low " estimates '' of value to freeze HELOCs and force customers onto high interest rate credit cards.

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 2016-06-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I originally had a credit card with them and paying around {$230.00} a month. I had sent XXXX check XX/XX/2012 and was told that neither were received. When checking my bank statement to verify if that were the case I noticed they were deducting {$650.00} a month for a life insurance policy. I never agreed to nor signed any type of documents for a policy or authorizing {$650.00} to be drafted from my account. I requested proof of the authorization or even a signed document for this policy and they indicated they did not have to provide because there were Bank of America. I then obtained an attorney to get this resolved. I refused to pay anything else to Bank of America until they provided me evidence of the life insurance policy and authorizing payments to be drafted from my account. The total amount they drafted for that bogus policy was {$6500.00} however, I agreed to not sue for the balance if they would settled the credit card for {$1200.00} and release any and all claims or is successors against me. My attorney has been trying to get them to respond and to date they still have not.

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 2017-01-25 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: IL

Complaint narrative:
When I orginally started my repayment process, i spoke to representatives over the phone asking about lowering my payments because i had other expenses building up. They told me that was the lowest monthly repayment option I had. So, i made sure to get way ahead my first year so I would not default. I knew i was changing jobs after my first 6 months at my position. I changed jobs midway through that first repayment year and started getting payed 15 % less. So the second repayment year was less of a financial burden. The third year i was late on 1 or 2 payments and they recommended i go under forebarance or i will default. I was not willing to pay more in the future so i told them i would not happen again, despite the fact I was moving to another city for a better financial opportunity. This was scary to think about at the time so i continued to repay during my transition period between cities with the little savings i had. I have paystubs, reciepts, and professional references of needed to show my past job date and times of hire. These are scare tactics utilized on those with little experience in loan repayments and looking back now, I had other options at my disposal but was limited to the information and resources i was presented with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied and was approved for a Bank of America XXXX credit card in XXXX XXXX. The terms and conditions I received from BOA with my credit card specified that I had a 0 % introductory APR on purchases made prior to XXXX XXXX. All purchases made after XXXX XXXX would be subject to the standard APR. I searched the remainder of the T & C 's document to be certain the balances remaining would not be subject to the increased APR, and nothing on the terms and conditions indicated that purchases made during the introductory period needed to be paid in full prior to the end of the introductory period. I was very pleased and adjusted my spending accordingly. 

I received XXXX notification advising that my terms and conditions had been adjusted ( in XXXX XXXX ), but that notification did not reference the introductory APR. Each of my bills notified me that the introductory period would expire in XXXX XXXX, but that was no surprise to me. I knew purchases made after the introductory period would be subject to an increased APR. I used my entire limit prior to the expiration of the introductory period, but was quite surprised when I noticed a {$90.00} interest charge in XXXX of XXXX. 

I immediately called Bank of America and was told by the representative that BOA only sent me the short form of their terms and conditions, but the long form ( viewable by BOA employees only ) included language that specified balances carried forward would be subject to an increased APR. Naturally, I was quite frustrated to learn that BOA intentionally misled me by giving me an abbreviated contract that left out critical details like this. He agreed and credited the {$90.00} with the promise that future interest charges would be investigated and adjusted to honor the terms and conditions. 

Now it is XXXX of XXXX, and the majority of the balance remaining on my card is erroneously charged interest. Bank of America never responded to the request from XXXX XXXX, and they refuse to credit my account the interest charged on purchases made from XXXX XXXX - XXXX XXXX. 

The terms and conditions available on their website now ( presumably those that new card holders receive ) read much differently than those provided to me as they indicate the inroductory APR only applies to the first XXXX billing statements. I wish I received those terms. Had that been what was represented to me when I secured the card, I would have managed my spending accordingly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Total Card, Inc.
State: MN

Complaint narrative:
A representative from Total Card , Inc., who would n't identify herself, repeatedly called me in reference to a debt owed for {$450.00} for a credit card account that 's is fraudulent and do not belong to me. The representative repeatedly harassed, oppressed and verbally abused me and threaten me with violence, death, arrest, seizure of my property, wage garnishment and total embarrassment, if I did not pay the debt owed. Total Card is in violation of Fair Debt Collection Practices Act and Minnesota debt collection laws. I told the representative countless times, that I am a victim of identity theft and the account do not belong to me, but my answers and requests, was disregarded. SSN : XXXX, DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
$ years of Stafford Plus loans to put son through college. Each year consolidated with total loan amount of approx. {$38000.00}. Was set up on gradated payments with payoff in approx. 10 years. Entered into bankruptcy in XX/XX/XXXX with payments to continue, which they did. After bankruptcy loan transferred to Navient. They show we still owe {$38000.00} According to my records we made {$26000.00} in payments from XX/XX/XXXX to XX/XX/XXXX ( 8yrs 4 months ) We received letter from Navient that our forbearance was approved. I never requested a forbearance. Additionally they changed our payment schedule to a new extended schedule for 25 years. I never agreed to such schedule and would be XXXX years old when it is paid off. Our original payment schedule should have paid off the loan in approx. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
I was forced to apply for and sign off on student loans that were not legal. Their tactics were incredibly aggressive going so far as to tell me " If you do n't sign this RIGHT NOW you ca n't go to school anymore. In fact, you ca n't even go back to class! You 'll have to leave right now from my office! '' Then I became XXXX and when I tried to have my loans discharged because of a XXXX, they denied it and said I still had to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XXXX has been working with Bank of America for home retention options. She was advised that one of her options is short sale. She listed her property with a local real estate agent on XX/XX/XXXX and received an offer. Per Bank of America 's instruction, we have been trying to initiate the short sale into their " XXXX '' system to begin review. In our many discussions with Bank of America, they informed us that they are having troubles with initiating this file and opening up the review. This " delay '' has gone on for over two week. Daily, when we speak to Bank of America, they advise that they are having issues with their system and that they will look into it. On XX/XX/XXXX, I was advised by Bank of America that too much time had gone by trying to open the file and that we are now too close to the upcoming foreclosure and that Bank of America will no longer entertain a short sale. 

Bank of America has agreed that the issues and delays were internal but their unwillingness to work with us because " too much time has passed '' is completely contradicting to them admitting that the mistake was on their end. 

It is not fair that XXXX XXXX should have to pay the price because Bank of America can not figure out how to practice their own internal procedures without errors. Their borrower has reached out for assistance and is being denied it for a reason that is not in her control.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I hve filed a dispute regarding this HELOC, XXXX mortgage XXXX in the past 30 days. It is still unresolved. BOA had a HELOC on property I sold in XX/XX/2015. According to the closing agent who recently contacted me, a lien was never placed on the property by BOA. Thus when the property was sold, no lien came forward and was not paid. This is the letter frm the closing agent/ attny : " I have received your letter regarding a Bank of American XXXX XXXX I have also reviewed our file. The XXXX courthouse does not reflect a recorded security deed for a HELOC from Bank of America on this property. Our title search went back 50 years and I updated it yesterday to confirm that there is no record of this HELOC. I have left a message for XXXX to further discuss the matter XXXX, XXXX XXXX, Georgia XXXX Telephone XXXX Fax XXXX

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 2017-03-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I started to receive live calls from people identifying themselves as CBE Collections. The stated my first and second surname and I confirmed that was part of my name ; however, I only go by my middle name and first surname. They asked if I lived at a specific address and if I ever had a XXXX account. I confirmed that neither applied to me and they had the wrong person. On a second call, I stated the same, directed them not to call and how it is that they obtained my landline given my number is not published. They said they would not call again. Now I am receiving robocalls instead, stating it is CBE Collections and that I need to call them back. 

As stated, they are attempting to collect a debt from someone who happens to have a name that it part of my name. I have been honest with them and directly instructed them not to call me again. 

The following number appeared on my called ID with a live caller XXXX and the robocalls are coming from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I filed a BankAmericard Cash Rewards Card today, so I got declined from Bank of America dated of XXXX XXXX, 2015 : Unfortunately, we 're unable to approve your application at this time. 
As a result of our decision, any balance transfer requests included with your credit application will not be processedXXXX, thanks for applyingI complain against Bank of America for discriminated against my income and they made me in full of disrespect banking account notification to U.S. Senators and SPeaker XXXX XXXX. 
I am dual unhappy with Bank of America responses involved due to unfit XXXX and XXXX residents notification to U.S. Senators, thank you, much! 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XXXX XXXX, 2016 I noticed an un-authorized withdrawal from my business account with Bank of America. The payment was made to XXXX for the amount of {$1100.00} dollars. I notified Bank of America immediately and was issued a temporary credit to my account on XXXX XXXX, 2016. On XXXX XXXX, 2016 I saw another charge paid for the same amount mentioned above for {$1100.00} dollars. I do n't know why Bank of America did not conduct an investigation and protect my account against this fraud after my initial complaint. This unauthorized payment resulted in an overdraft and fees. I did not sign a contract with XXXX, nor did I engage in any self-service activity with XXXX.

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