vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I applied for TD Bank XXXX card on XXXX/XXXX/14. They had an offer ending XXXX/XXXX/14 stating that I should receive {$100.00} in cash back rewards after spending {$500.00} or more within first XXXX days. I have spent more than {$500.00} within that timeframe, but have never received this bonus. I have already filed a claim to CFPB and TD Bank replied that XXXX points were credit on my XXXX 2014 statement. But that response was incorrect because there is no XXXX points credit on my XXXX 2014 statement. My XXXX 2014 statement only includes 5 % cash back from spending categories XXXX purchases at grocery stores and gas stations XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Sterling Infosystems Inc.
State: IN

Complaint narrative:
The company that I work for did a criminal background check for a promotion, I was denied that promotion due to inaccurate information. XX/XX/2016, I received XXXX XXXX, I was informed by the judge and my lawyer that it should take up to two weeks for the felony to be dropped from my record. I have contacted my lawyer as well to understand what went wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I initiated a dispute with transunion regarding a bankruptcy on my credit report. I requested debt validation and any documents pertaining to this debt. They mailed to me 30 days later a updated credit report that stated the public remains and they verified it. The report is dated XX/XX/2017.This is the 4th attempt to get this matter resolved with them. On the last time I contacted them by phone they told me the bankruptcy court verified it. I sent the bankruptcy court a letter asking them of this process and they sent me a letter saying they do not verify anything it 's done by 3rd party of the credit bureau. I contacted Transunion by telephone XX/XX/2017 and asked how they verified this information and they stated by credit bureau, I spoke to XXXX a supervisor. I explained to him that 's not possible, that I contacted them to verify. He then stated through XXXX XXXX. I immediately contacted XXXX XXXX and asked them about this process. I spoke with XXXX and she stated they never contacted them and they would n't release any information to any one due to the security freeze I placed on my account in XX/XX/2017. The credit bureau is falsely stating that they verified this account and in fact, they have n't.

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 2016-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
XXXX/XXXX/16 I got email from my bank about person to person transfer {$2000.00} was originated to a person by name XXXX XXXX, the transfer was scheduled to go out the next day. I immediately called TD bank tech support line and told them it is fraud, I do not know the person and never originated the wire. TD told me they stopped the wire, they blocked online banking login and gave me 100 % assurance my money are safe, transfer stopped. But the next day money went out and were in pending status, I called again, TD again said they give me 100 % guarantee my money are safe and will be back on my account in 2-3 days. on XXXX/XXXX/16 my money left my account for good. I called TD again, they put all the blame on me, finally transferred me to fraud department. I also filed a police report locally. TD bank did not do anything to stop fraud money transfer originated from my account, they let the transfer to go thru, now they refusing to give me my money back, telling me I must wait 2 wks for their investigation, and even after that, they say no money back guarantee. It can not be that someone hacked into my online banking like the bank says because that someone was acting and changing the transfer data after TD completely blocked my account from online access. It is totally TD fault

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I did not receive my credit card statement in the mail from Target for the time period of XX/XX/XXXX2013. I noticed this when I just happened ( luckily ) to check my account online. I spoke with a representative and all late charges were removed ; I paid my bill in full online the day I noticed - as well. 
This - however - is reporting to all of my CRA 's as 30 day delinquency for XX/XX/XXXX2013 with Target. I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GREAT LAKES
State: FL

Complaint narrative:
Great Lakes has been calling me 5-10 times a day about my deceased father 's student loan. They have reported the debt as a delinquency on my credit and refuse to settle the debt when I called to explain the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 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: NY

Complaint narrative:
I am currently a customer of TD bank ... .small electronic debits were attempted from a merchant which caused my account to be overdrawn.the bank charged me XXXX in overdraft fees, i contacted them to have these fees reversed and was denied ... Imagine XXXX overdraft fees for a XXXX transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 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 went away to college last year and opened my first student checking account at TD Bank. When I attempted to login to online banking through the TD website, I was encouraged to sign up for an overdraft protection program. I could n't figure out how to " get out of that '', so I signed up. Shortly thereafter, I overdrafted my account and since I was unaware that it happened, I overdrafted again the next day. A week later, TD notified me, via US mail, that my account was overdrawn and I owed {$140.00} in fees. My mom helped me get {$70.00} waived, and the customer service agent we spoke to unenrolled me from the program. Fast forward to a few weeks ago, and the exact same thing happened again. When I asked, I was told that I never unenrolled from the program. However, when I called the corporate XXXX #, I was told that I did unenroll back in XXXX 2015, but the next time I logged into the online system, I re-enrolled. XXXX different stories from them plus I NEVER re-enrolled in this crazy program - I believe their bank system somehow did that. I also believe that TD targeted me as a student who is just learning how bank systems operate and, being a low-to-no income person, this is truly not fair. My entire last paycheck went to paying TD 's fees - and the amount I overdrafted was a measly {$13.00}. Can anything be done about this unfair, misleading and discriminatory practice?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: AL

Complaint narrative:
Obtained loan from Prestige Finance Services Inc. When payment was coming due, they would begin calling me, texting me, and emailing me daily until payment was made. Had auto repossed. Daily calls, texts, and emails continued all throughout the day after I asked numerous times for them to STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MI

Complaint narrative:
Working with Sun West Mortgage through XXXX XXXX. I have been waiting weeks for a Closing Disclosure. I 've extended the financial contingency / contract agreement several times due to slow response and to avoid losing the opportunity to purchase the home. Due to the distressed status of the property, I was required to make repairs so that the home would fall under FHA guidelines - the repairs amount to over {$1000.00}. If the loan funds are not dispersed to the seller - I risk losing my appraisal fees, repair fees and time and money spent packing up my current home. XXXX XXXX is the representative on the Sun West Mortgage side. Also, XXXX XXXX is the representative of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 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: MS

Complaint narrative:
TD BANK USA/TARGETCREDITAddress:XXXX XXXX XXXX # XXXX, MN XXXX ( XXXX ) XXXX Number : XXXX .... 
Address Identification Number : XXXXThis is not my account, I have no knowledge of how or why it is showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Interested charges appeared on card after submission of auto pay. Company only refunded {$20.00}, and refused to refund all the interests charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have been making regular monthly payments since XX/XX/2003. At that time I agreed to pay {$300.00} on student loans obtained thru XXXX at an interest rate of 3.5 %. Sometime in the recent past, the interest has been increased by Navient or XXXX without any notice or consent. As a result the balance of the loan will not be paid in full at the end of the 25 year term. Does Navient have the legal right to raise the interest rate whenever it desires?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Automated Accounts Management Services
State: IL

Complaint narrative:
Debt was paid in FULL to them and they will not remove this from my credit report. It 's been over 75 days and it still appears on my XXXX as open

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 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: WA

Complaint narrative:
I believe my consolidation loans have been manipulated to the benefit of the banks by approximately {$20000.00} over the life of the loan, contrary to what I would have agreed to. 
I consolidated my loans XX/XX/XXXX. Originally serviced by XXXX XXXX XXXX, now Great Lakes. I honestly do n't know what the exact terms of the loan were at the time, I am trying to obtain documents but keep getting denied. I 'm guessing I would have set-up a 15 maybe 20 year loan. I started paying as soon as I could, I always paid as much if not more than they asked of me, but what I did n't realize is that I was barely covering interest each month : from XX/XX/XXXX - XX/XX/XXXX an average of about {$65.00} towards principal vs {$300.00} interest. Using the interest rate and the payments I was being charged the duration of the loan would have been over 27 years. When Great Lakes bought the loan in XX/XX/XXXX they did n't change anything and in fact the first XXXX payments had a grand total of {$22.00} applied towards interest. XX/XX/XXXX I had a late payment ( my wife forgot to pay ) and at that point someone from Great Lakes contacted me and told me that my loan " would n't ever get paid off at that rate. '' I was just so shocked I said yes, change it and even made double payment the following month. At that point they structured the loan right at 20 years. This leads me to think that my original agreement would have been at 20 years. 
So, more than 5 years into the loan I 've only paid down the principal by {$4300.00} ( excluding {$800.00} in extra payments I 've made since XX/XX/XXXX ). A simple loan calculator shows that a 20 year loan with these interest rates and no extra payments should have {$9700.00} of principal paid. Seems like this situation should be illegal ... I would n't have agreed to it and Great Lakes would have continued to benefit at my expense had I not decided to double check their work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
I have received calls and notices in regards to an alleged debt owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Visa gift card scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
Hi, I am a XXXX dependent that received a title loan from Title Max. I received about {$3200.00} and I 've already paid them XXXX payments of {$400.00} and after I calculated the total number of payments I would have to pay them over {$9000.00}. If you are a day late they start charging $ XXXX and your car is up for repossession plus you can no longer make payments over the phone. You have to go into the office which is XXXX minutes away from me. I am really considering giving them the car because I refuse to pay XXXX the amount for this car. Is there any loophole being that I am a military dependent?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have a Target credit card that I got behind on this year due to a layoff. In early XXXX 2015, I received a voicemail from their attorney XXXX XXXX XXXX. I called back and spoke with a rep who advised me of a payment plan I could sign up for. It called for payments of {$66.00} a month with the first payment due later that month. I advised I would like to sign up but told him I 'd have to call back because I did n't know the exact date I wanted to make the payment or which bank account I wanted to use. I did not advise of any bank account during the call or authorize any payments to be set up. He said ok and I advised I would call back. Money situation remained tight and I knew I could n't make a payment that month so I wanted to see how my situation was in a few weeks and did n't call back. I checked my XXXX XXXX XXXX account yesterday and noticed a {$66.00} payment had been processed and was returned by the bank because my account was already in the negative. I was charged a {$35.00} nsf charge for that payment. I do n't understand how Target and/or XXXX XXXX XXXX could take a payment from my account without any authorization from me. This just makes my bad financial situation even worse. I absolutely did not authorize any amount of payment to be automatically taken from my account. The check image in my checking account shows a {$66.00} payment drafted with Target 's name on it. I absolutely did not schedule any payment on Target 's website and with the payment being exactly {$66.00} I would assume the rep from the attorney 's office told Target that I would make the payment and they decided which bank account to use. I am very upset with both companies for trying to take a payment and I do not authorize them just setting up any more on their own. I want to make some sort of payment arrangements but at this point have a hard time dealing with the attorney. Being attorneys they should know what they have done is unlawful and needs to stop. If there is some way of looking up the recording of me speaking with the rep from the attorney 's office it will prove I did not authorize any payment and was never given the option to advise exactly when I wanted to make the payment, which bank account I wanted to use and I surely was not given any sort of confirmation number. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Tebo Financial Services, Inc.
State: SC

Complaint narrative:
I can only make my payments online or by calling into the business, but I will be charged a {$5.00} fee. I have been denied access to my account online for the last 8 months. I have no way of getting my balances and seeing if any of the payments I am making are being applied to my balance. I do n't have a coupon book or receive any statements from this company. I have been asking to have access back to my account and the only thing I am told I am sending to the supervisor to unlock your account. I am constantly harassed both at home and on my cell. I have so XXXX and I would just like to know what my balance is and at least get a email telling me where my account stands. I feel that I am blindly making payments and I will like to get a resolution to this ongoing problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
Prestige financial constantly uses tactics such as harrasment and providing false information in an attempt to receive vehicle loan payments. I was advised for my XXXX 2015 payment that I owed an additional {$340.00} in fees. I received no advance warning via mail, email, text, or telephone although they constantly use those methods ( excluding mail ) to harras me if I am one day or more late with making a payment. I requested Prestige provide me with breakdown of additional charges on XXXX/XXXX/15 and as of today have not received any documentation, and am still being harrassed to make payment for fees. Prestige has reported multiple inaccuracies regarding car loan, and it has gotten to the point I dont even know my accurate loan balance. The online system reports one amount, and the representatives give you another amount. Prestige financial uses predatory lending practices and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 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: OH

Complaint narrative:
In XXXX I requested to be put on the Income based repayment plan. I was ( and am still ) working but could not afford my bill. After some demanding they did put me on the IBR plan at Navient. Every year I have diligently renewed my application. In XXXX, I had lost my job and pretty quickly was hired by a non- profit. I called Navient and asked how this affected my IBR plan. They told me that I was still eligible and that my loan would only be for 10 years as long as I requested each year for my IBR renewal. In XXXX, I learned that ( on my own, not from Navient ) that it is a good idea to check with your loan company to be sure that you have Qualifying payments and loan forgiveness. I began then to send the forms for loan forgiveness. It was not until XX/XX/XXXX that I learned that my student loans were not eligible for forgiveness unless I consolidated them to a different loan company - XXXX. So in XX/XX/XXXX I began the process of consolidating to XX/XX/XXXX since I still work for a non- profit at very low wages and still can not afford my student loan payment. I feel however, that Navient did an injustice by not telling me that my student loans were not eligible sooner and not notifying me in anyway that I would need to consolidate with a different company. I lost seven years of qualifying payments for loan forgiveness and had to start all over again at 120 payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Target store,,, is trying too collect debt from me, ,the Target Card, ,was used by my ex-wife, ,yrs after our devorce ; ; I paid off in full, ,the Target Card, in XXXX..was then divorced that year, ,she opened, ,or continued using my name, ,so Target billed me, ,now using a collection company, too call me, send me bills, ,an reports me, too credit companies, ,thus putting my scores at ''poor '' I want them too remove this illegal debt, from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX/XXXX/2015 I faxed Trans Union a dispute letter of a Federal Tax Lien that they are reporting against me. With that dispute I showed them a letter from the IRS that said the lien was withdrawn. That means it does n't exist anymore. On XXXX XXXX, 2015 I received a letter from Trans Union saying " verified, no change ''. It 's obvious to me that no resonable investigation was made as the facts are CLEAR. This lien has been withdrawn by the IRS and needs to be removed immediately from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation