vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-12 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, 2015 I reported to TD bank the theft of {$760.00} from my checking account ending in XXXX. Subsequent to my report to TD bank and police TD confirmed the theft by " skimming '' my debit card and credited my checking account {$750.00} on XXXX XXXX, 2015. 
Today XXXX XXXX, 2015 while checking my accounts at TD bank, to my great dismay, I noted that on that same date of XXXX XXXX, 2015, the thieves also debited {$740.00} from my savings account ( account ending in " XXXX '' ). I was unaware that this could have happened without a withdrawal slip but it did. I immediately called TD bank for help and XXXX filled out another dispute form. Despite the fact that all the illegal withdrawals were from the same area ( a place I have never been ) it went unnoticed by TD fraud unit as well as by myself. 
I still need to be credited in my savings account ( with lost interest ) for the {$740.00}. XXXX since XXXX XXXX, 2015. The facts surrounding the theft are the same, that is the same area and limits, so I should not have to wait as long for the credit I hope. I am asking CFPB to oversee this as I am afraid there will be a misunderstanding. I do n't want TD bank to think that they already credited me for the full amount. There are XXXX different accounts : the checking ( XXXX ) and a savings ( XXXX ) e.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: NJ

Complaint narrative:
I had XXXX loans with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX. I made XXXX payments via bill pay thru XXXX Bank. I had XXXX accounts XXXX XXXX. It was sent to the wrong account. According to XXXX XXXX XXXX XXXX from XXXX Research Dept, XXXX XX/XX/XXXX XXXX cashed my check for {$1100.00} and sent it on XX/XX/XXXX to Nationwide Credit Inc XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX EST XXXX. Again XXXX payment was cashed on XX/XX/XXXX and sent again to Nationwide Credit Inc . In XX/XX/XXXX, I made a settlement with Nationwide Credit Inc . I sent them the money. XXXX never corrected their record. Instead of sending the money back, XXXX sent the money someplace else and record my account as delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank is refusing to let me continue making payments on my car even though I am ahead of my payments by 4 months. The car was impounded and the police never sent me anything in the mail to come and get it. Then TD Bank picked it up and are not allowing me to take my car back unless I pay for it in full. That is not fair. I have been making payments on time every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have received multiple calls from target red card services. I advised the rep if they would waive the late charge then I would pay off the full balance. The rep refused since I had been past due on my account. I discontinued call then on XXXX/XXXX/15 I spoke with a rep who refused to do the same. I said something off subject not offensive or rude or containing fowl language. He advised that we should conduct this phone call in a mature manner. I replied then hung up. i called back to ask for a manager and got XXXX employee id XXXX. She refused to allow me a manager XXXX in total. This is after advising her of my concern and request to waive late charges. She declined the request also. I advised at that time they no longer had permission to contact me on XXXX since it is a cell phone and they use an autodialer. She refused to remove the number based on the fact that satisfactory arrangements had not been made and my refusal to provide her with another number. I do n't have a non-cell phone number to provide her with since I ca n't have calls at work. My spouse is about to be laid off ... this is undue stress over XXXX dollars. She refused a supervisor stating that she was an account manager misrepresenting her position level. I advised the employee XXXX that is a title for a glorified CSR AND that I knew the law and fully intended to include all in a CFPB complaint. She advised that I would still get manual calls to my phone so I provided her with the number of XXXX since she continued to refuse to remove my number. I advised that it is a punishable fine or them to continue to call to which she continued to reply that no .. refusal to remove and so on. Please investigate this claim. This is ridiculous and these employees are misrepresenting themselves as managers and refusing manager or supervisor. In addition to refusal to remove my telephone number from their system which in fact a cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Ricart Financial Services
State: OH

Complaint narrative:
I filed bankruptcy XX/XX/XXXX against central ohio credit union. It is showing 3 times on my credit report and I am being dinged several times on this matter. I have filed a dispute with XXXX. and XXXX. They still have n't done anything. I was understanding that it would wipe my credit clean. According to my credit report it showing on XX/XX/XXXX as opened, XX/XX/XXXX as opened And XX/XX/XXXX it says closed due to chapter XXXX bankruptcy. I feel as though I am getting marks against me XXXX times and I was at the understanding that it would be wiped off completely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
While reviewing my credit report, I came across a revolving account I did not recognize. The following credit item does not belong to me : XXXX partial account number : XXXX I have never applied to this company for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I received an offer by mail from TD Bank to open a credit card account. They promised a cash reward of {$200.00} if I spent {$500.00} using the credit card within 90 days of account opening. I applied for the credit card on XXXX XXXX, 2015 by mail, and spent over {$500.00} by XXXX XXXX. Their rules for the program promise to pay the bonus within 6-8 weeks after the eligibility criteria are met. I have still not received the bonus even though it is now more than 15 weeks since I met the eligibility criteria. I called TD Bank on XXXX XXXX. They insisted that I FAX them a copy of the offer I received, which I did. I called again yesterday. They told me that the reward would be posted to my account by today. It has still not been posted. They continued their runaround today by telling me they mailed my FAX to " corporate '' and were still " investigating ''. The agent offered to let me speak to a supervisor, and then kept me on hold for over XXXX minutes without a supervisor coming on line.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I have a rooms to go credit card with TD Bank. I enrolled in online statements, but the company has not provided online statements. Nor has the company provided written statements, which include the charges, due date, or amount due. The agreement states that they are supposed to issue a bill 5 days before it is due, but, instead, they issue the statement 5 days or more after it is due, when they have already applied a late fee. The late fee is applied without giving notice before the due date of when the amount is due, or how much is owed. I put them on notice of the problem, and complained about it last month. But, they did it again this month. Also, I currently do not have access to the statement allegedly issued on XX/XX/XXXX ( 5 days after the due date ), but rather, when I click on it, it gives me an error message. I believe this is a scam to make money off of late fees, since this is a zero interest for 18 months credit card. Further, they are doing this with malicious intent and full knowledge because they were put on notice of the problem last month and failed to rectify it. I have again demanded a refund of the improperly charged late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This is the second complaint against TD Bank NA. ( XXXX ). I applied for a Home Equity Line of Credit in XXXX 2015. I am asking for a {$50000.00} line of credit for a rental property that is worth {$270000.00} ( according to their home inspection ). I will pay off the current mortgage ( which is under {$20000.00} ) and do a few small repairs ( less than {$2000.00} ). It was there suggestion that I ask for Home Equity Loan of {$50000.00} @ 5 % interest. Now there asking for information on my residence. I have provided them with everything I could. I have a small home equity loan ( {$32000.00} ) on my residence. ( No first mortgage -- just the he loan. ) They are asking for a statement which I provided. I deal with a credit union that provides a comprehensive statement that includes checking, savings, and loan information. TD Bank will not accept it. I went to my credit union and they were willing to write a letter, but TD wo n't accept that either. First of all this loan is on a property that THEY valued at {$270000.00}. I really only wanted {$30000.00} to pay off the mortgage and do some repairs. I have provided them with the information they requested. XXXX XXXX XXXX XXXX is willing to write them a letter but they won '' t accept it. They obviously do n't want to give me the loan and want me to give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Renton Collections Inc.
State: WA

Complaint narrative:
After not announcing who the person was, I specifically asked if this was my doctor calling regarding my medical emergency I was having. The gentlemen said yes and collected my DOB and then proceeded to tell me he was from a debt collection agency! I explained I had to hang up the phone because I specifically left work to answer this call and i was waiting for a medical emergency phone call! He impersonated a medical professional and claimed to be calling from my doctors office regarding my medical situation. I was LIVID!! This was from Renton Collection in XXXX, WA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
1. The credit card is misadvertised at the first beginning when I wassold to apply for this card. I was told it 's a 0 % interest card forthe first 12 months and then 28 % APR. The sales and the customerservices keep using the language the interest is " void '' to mislead itscustomers, and in certain way allure and motivate people to open thecredit card, even I had the full cash to pay for the goods at the timeof purchase. 
2. TD Retail Card Services did n't send me any notification about whenis the deadline of paying the balance in full. I understand yourmonthly statement says the promotion expiration date, which is XXXX, 2015. However, the statement of XXXX XXXX to XXXX XXXX did n't statethe interest deferred to be added on the current balance ; thestatement of XXXX XXXX to XXXX XXXX did n't state the interestdeferred to be added on the current balance either. These statementsdid n't demonstrate that the expiration date is the actual deadline ofpaying off the current balance in order not to incur any surchargeevent. 
3. I paid in full for my previous balance of {$6400.00} on XXXX XXXX, 2015. 
4. 28 % APR is way too high for any standard credit card. The APR isaveraged at 15 % in the United States. What kinda of business wouldoffer such a high APR and 0 % interest rate in the first year at thesame time? I am suspicious about the misconduction of credit businessand I would encourage for further investigation of their customerbase, since I believe I am definitely not the only one who wasmislead, confused by their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 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: Arnold Scott Harris, P.C.
State: IA

Complaint narrative:
I have made multiple attempts to contact this company, with not ever receiving a response. This debt has been paid, and therefore should appear as closed and no longer in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
My husband opened a XXXX XXXX XXXX account for our daughter with XXXX Bank. Last known statement was sent to our address in XXXX, GA in XXXX. We have since moved to a couple of different addresses and lost track of the account. Our daughter is now scheduled to graduate on XXXX, XXXX. We located the last known statement dated XXXX XXXX/XXXX/XXXX ) and called TD Bank to inquire about the funds. XXXX Bank was bought by TD Bank in XXXX. TD Bank states that they do n't have any record of our account because it must have been dormant prior to their acquisition of XXXX Bank in XXXX. TD Bank suggested that we call the State unclaimed property department in Delaware, Maryland and Georgia. I contacted the unclaimed property in the States mentioned and they do n't have any record of the account being sent to them. The State of Delaware informed me that they would need a letter from TD or XXXX Bank stating that account funds were sent with associated details before further research can be performed. TD Bank is stating that they ca n't help, because there is n't any current record of the account. This is a good bit of money and my daughter needs it desperately to get into college. Can someone from TD Bank please pull the account history from archive and explain what happened to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I wrote a check for {$140.00} to pay my XXXX XXXX acct. XXXX never receive the payment and later found out that the check ended up at XXXX Bank and had been cashed. I reported this to my bank TD Bank located on XXXX XXXX in XXXX, DE they give me the run around for months. I did all they requested of me. Lastly I filled out a document and was told an investigator would call me. He never called. I reopened the case again and give them the reference number given to me the first time I made the complaint. I was told they could n't find any record. I filled out the same document and was told again an investigator would call in about a week. No one called and two months had passed. I called them and was told by XXXX that there was nothing they could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-21 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 debited all my sales amount, close to {$400000.00} and I called merchant services and costumer service as well but they are just giving me run around without any explanation. Its been over a week now and I have not received any return calls from them as of today. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
At the end of XX/XX/XXXX, I applied for a refinance of my home with TD Bank. When I applied, I had an existing XXXX mortgage and an existing HELOC with TD. The refinance was for cash out, debt consolidation. When I received the loan decision from XXXX, I noticed that the terms I had applied for were changed. I was not notified that the terms I had requested changed - they simply changed. ( My application was to keep & subordinate the current XXXX - their approval changed it so that the XXXX was to be paid in full ). When I contacted them that I did n't think they could change a mortgage applicaiton w/out notifying me, without any indication, they immediately changed it back even though the comment was that I did n't qualify. I closed the loan as submitted. XXXX months ago my circumstances changed. I had a loss in income, I had an increase in other monthly obligations and when I contacted a realtor I found that my house was n't worth near what the appraised value at time of refi was. I contacted TD Bank in XXXX XX/XX/XXXX before I was due or delinquent with XXXX and applied for assistance, for a modification of the terms of the P & I payments for both XXXX and XXXX ( which will soon be both principal and interest that I can not afford ). After weeks of calling with no return phone calls, TD did state that they would roll the late fees into the mtg amount but they would not modifiy the P & I payments. They said I make too much, that the housing is 32 % of my gross income. I told them that if they looked at my residucal income, after I pay the mortgage, I would not have enough to provide myself and my family basic human living requirements - heat, electricity, grocers, a car to get back and forth to work, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Bank XXXX ( XXXX ) charged me late fees on the following dates:XX/XX/XXXX $ 25.000XX/XX/XXXX $ 25.00I never received a credit card statement for XX/XX/XXXX nor did I ever receive a statement for XX/XX/XXXX. I have also never signed up for electronic statements. I have been experiencing problems with TD Bank USA ( XXXX ) delivering my credit card statements to me. I was not aware of the minimum payment due since I did not receive my statements nor was I able to access my account online because of issues with my login/password. 
Please credit me for the following : {$25.00} for the late payment fee that was charged on XX/XX/XXXX {$25.00} for the late payment fee that was charged on XX/XX/XXXX {$1.00} per month since XX/XX/XXXX for the minimum {$1.00} charge per month I incurred because I refused to pay for the late fees since they were incorrectly charged to my account. 

If TD Bank XXXX ( XXXX ) disagrees with this, please provide proof that you sent out the credit card statement for XX/XX/XXXX and for XX/XX/XXXX and that I actually received them. Such proof includes tracking information with XXXX, XXXX, XXXX, or a certified mail receipt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
I do not have a credit card with Target. This is fraud and was not opened or used by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
The cardholder XXXX XXXX passed away on XXXX/XXXX/2015, numerous calls to Target Card Services and mailing and faxing the death certificate to XXXX Texas is not helping, they keep sending a bill to our house, make toll free calls etc. This morning I asked to speak with a supervisor, XXXX who simply transfered me to another agent. The agent acknowledged they have received the death certificate. There is no estate and other companies have written off the debts, this company keeps calling us and sending bills even though we have done what they asked of us, to submit a death certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
I have been attempting to apply for an unemployment deferment because I was furloughed by the XXXX on XXXX XXXX, 2016. ECSI, which services the Perkins loans I borrowed to afford XXXX school, refuses to accept my proof of unemployment. I do n't have any money, and my low credit score due to their refusal is affecting my ability to secure a year-round full-time job.

Company response to consumer: Closed with explanation