vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX NORDSTROM XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX Dear NORDTROM, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GREAT LAKES
State: SC

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, they said I had a zero balance on my student loans because of proof of a XXXX. Every year they open it back up again after I sent them medical proof and my social security XXXX proof of XXXX. I am suppose to have a XXXX balance on all of my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had posted an ad to sell my car. I received a check which included a fee for movers to take the car. I went to the bank after the funds were made available and withdrew the money. After i had done so, i met with the movers who took the car to their location and gave them the money. The next day I went to the bank and asked them if everything was okay with the check as well as my account which they reassured me did not have any issues. I told them the situation and tried to close out my account but was advised otherwise because my direct deposits from work would not be processed. The next day, I went to check my account only to find out that the check was returned and marked as a fraudulent check. I am out of a car and {$3000.00} in debt. No one had helped me resolve the situation or to reach a solution and did not even consider the fact that I am a XXXX who supports herself and lives paycheck by paycheck. Why would a bank make funds available out of convenience if the customer does not have the funds to back it up? Out of convenience for the customer who has been a member of the bank for years, why would they not verify checks before making funds available? Why is it when I had told a bank investigator, I am being told that the bank has taken a loss of {$3000.00} while i had also taken a loss for {$3000.00} as well as a car? Why do banks have protection against fraudulent checks and not the customers who are loyal members and trust the banks?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
My complaint is against Target Redcard credit card. I recently received a letter from them that they have lowered my credit limit because I was not paying it off fast enough and have balances on other cards, even though I make my payments on time every month. For months, they kept upping my credit limit, which I never asked for and as a result of this, there were hard inquiries on my credit rating from them which hurt my credit scores and now they want to lower my limit after they are part of the reason my credit scores have gone down? I find this unfair. I never asked for them to keep upping my limit and was not aware that their inquiries were hurting my credit. I plan to pay off this credit card and never use it again. I feel that they contributed to my credit score being lowered by these inquiries. There are also many other complaints about this card online and believe they should be looked into for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
Daily computer phone messages from The Offices of Arnold Scott Harris asking that I call XXXX. No debt is owed, and I have not received any written notice of any debt. I have lived at my current address for more than 13 years, and if I owed a debt, I should have received a written notice of past due payment. How do I make the computer stop calling? Attempts to call the phone number they leave just leads to more computer interactions that go no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had TD Bank checking account for long time and this account is charge off on j XXXX XXXX when I call and find out why is charge off. I find out TD bank line of credit was doing ach on XXXX which I did not tell to do ACH. line of credit was saying if I have any time retan the payment we cancel the ACH which is my payment was XXXX on XXXX XXXX after that stop doing ach on my account and a auto ACH start aging from my account on XXXX which bank do n't have any paper work. 
I do n't use this account from last year so I do n't check. without my knowledge how do I know bank doing ACH. now is charge off account and I do n't mind to pay the original amount but I can not pay any fee bank charge after wrong ach done. please call me for more detail. now recovery department was saying branch manage can refund all fee. when I call the branch manage she was saying she can not do it because of charged off account. I just want to get refund the all fee from bank charged to this account after XXXX XXXX and I will pay my balance to bank not any fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-25 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I confirm that I do owe a past due balance, along with the repossession fee. And I have waited for two weeks, but I keep being told by the branch manager that he has n't heard from his district manager yet as to the exact dollar amount I owe? My only request to resolve this matter is to be told what amount will satisfy this debt so I can retake possession of my vehicle before it is either sold or salvaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Hello, I have submitted letters as well as online disputes with documentation to all XXXX credit reporting agencies. This is court documentation proving the account ( target/TD ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. At this time i would have thought that Target/TD would have also received the Court Documentation considering they were the ones who initiated the complaint to begin with. However they have yet to comply with the Court ruling. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). I thank you for caring, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 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: VA

Complaint narrative:
On behalf of my son, a XXXX, his student checking account was debited by TD Bank for {$440.00} in overdraft fees from XXXX XXXX, 2015 - XXXX XXXX, 2015. Please see attachment. 
I believe TD Bank has inappropriately applied overdraft fees on his account in excessive amounts. Can you please investigate this matter? 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Senex Services Corp.
State: NJ

Complaint narrative:
Senex information shared personal private HIPPA medical information about my medical condtion with Bureau of Consumer Finanacial protection. 
they provided a document with all medical proecdures completed on me. this is against the law as per HIPPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 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: MA

Complaint narrative:
Great Lakes did not send me any notice that my loans were due, they alleged that an email notice was sent, I always request my notices by US mail. Great Lakes never called, After 90 days, they sent a letter to me informing me that I am past due. I immediately paid and became current

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I was a victim of identity theft XXXX XXXX An account with XXXX XXXX was opened 3 days after we filed a report, but I was not notified of anything until a collection agency contacted me in XXXX XXXX. I called XXXX and was told they would take care of it. XXXX XXXX a XXXX collection agency contacted me. I again contacted XXXX and sent the information they requested by e-mail and received an e-mail in reply XXXX/XXXX/XXXX I received no further contact until XXXX/XXXX/XXXX when a XXXX collection agency contacted me. When I asked XXXX why the debt collection notification was the first I knew about the account they told me the original address was in XXXX XXXX XXXX. I live in XXXX. They could n't tell me how they then got my correct address. My husband and I have done everything to ensure that the identity theft was reported correctly and I know the FTC was notified also. I do n't understand why XXXX thinks that we will pay this bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 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: Receivables Performance Management, LLC
State: MD

Complaint narrative:
there is a collection notice on my credit report for {$420.00} for a cable/ cellular service that I do not have any affiliation with. Trying to get this removed from my credit report. I submitted a request through smart credit for this to happen but creditor will not respondThanks in advance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Academy Mortgage Corporation
State: PA

Complaint narrative:
I paid my mortgage, have proof of payment, and my mortgage company will not credit my account for this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Regional Management Corporation
State: SC

Complaint narrative:
Regional finance contacted XXXX of my listed references and discusses how much I was behind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: FIRSTBANK PUERTO RICO

Complaint narrative:
On XXXX XXXX I did a cash advance from my XXXX XXXX in a ATM of my bank. The bank charge me {$3.00} for the withdrawal as if I was using a card from other bank. I did the claim explaining that the ATM read wrong my card. Representative said that fee is correct because is a cash advance. I told that it was n't the first time a did a cash advance that the fee does not belong. The ATM had never charge me when using a card from the same bank. I was aware of the {$2.00} fee that the bank would charge for this. They ended charging me {$5.00} for the transaction. Besides, they never gave a resolution to my previous dispute. 

I 'm tired of all the mistakes they are making in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Home Point Financial Corporation
State: PA

Complaint narrative:
As a first time home buyer, I was ignorant to some of the practices such as points. The only part I was aware of is that I understood that there would be a higher incurred cost. Though the broker we worked with may not have done anything illegal ( I do not have any legal or property background ), I would consider what was done unethical. I considered this person to be unresponsive to the point where I was reaching out to him more often than he reached out to my fiance and I. He made critical mistakes on the application that could have been simply avoided such as citizenship status and other identification information. My fiance and I had to point out the issues with the application and changes made came on our end. This process was less than conducive to a new home buyer. 

The worst part of this endeavor is when we tried shopping around for the best deal, which is our right to do so. We had a broker approach us about a particular rate and we asked the current broker we were using if he could match, giving him the opportunity to keep our business. He stated that he could without any mention of points. The other rate we were approached about had XXXX points. At this point, a few weeks went by after we had locked in our rate. We were unaware that the loan rate we locked in had points until it came time for closing and the cashier 's check we needed to pay was approximately {$4000.00} more than what we were quoted. We had not heard from him much during that elapse of time which was a period of approximately XXXX days. Due to previous arrangements made around house maintenance, we were cornered into paying this hefty amount which we would n't of had to pay if we switched brokers. There was n't any documentation sent to myself or my fiance, who are both borrowers on the loan, that there were any points. This was the only disappointing part of purchasing the home as the realty company/insurance company we worked with were exemplary. Due to this unethical practice, future loans on my part will not be leveraged through XXXX XXXX XXXX or XXXX XXXX and many of my piers looking for property will be warned against using them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Receivables Performance Management, LLC
State: OR

Complaint narrative:
XXXX sent me to collections immediately after I cancelled my service, I returned their Booster equipment and received credit, paid the remaining {$500.00}, via payments on my credit card. Since then, i 've been contacted by XXXX different collection agencies. XXXX telling me I owe over {$1800.00} to the last XXXX stating I owe over {$800.00}. I have been getting calls as early as XXXX and as late as XXXX, 7 days a week and they have started contacting my employer. I am now on a written warning regarding this issue. When I call I get threatened, obscenities and being told " too stupid to pay my bils ''. I left a final message with them demanding a formal notification of the debt, with proof from XXXX that it has not been paid. I NEED the calls to stop, it has begun to cause my migraines to increase limiting the days i am able to work. 
When I spoke to XXXX on XXXX, I was told they have no record of my debt owed ... so I have no idea what to do. I know I paid off XXXX., they are attacking my credit, my home and now my work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cascade Capital, LLC
State: NH

Complaint narrative:
In XXXX I was injured while XXXX XXXX. I was treated at a local hospital and released. Due to paperwork problems, the XXXX XXXX XXXX via XXXX did not pay the hospital. The debt was sent to a collection agency. On my own behalf I contacted the VA and obtained assistance in getting the hospital properly paid ( morally, the right thing to do ). Myself and the collection agency in question received a copy of the letter I will be attaching indicating the hospital was paid and further stipulating that the debt was never mine to begin with, and that I can not be held responsible. The letter further directions the collection agency to remove the collection attempt from my credit reports. I had to follow up with XXXX several times to have the collection finally removed. The debt was apparently sold ( invalid as it may be ) to a creditor that contacted me in XXXX attempting to collect on this debt. I sent them a copy of the letter and requested they close this collection attempt. They said they would. I have now been contacted a third time this year. However, I must report that the agency that contacted me did so " on behalf '' of a collections agency in another state, Cascade Receivables Management. The agency that contacted me was XXXX XXXX XXXX XXXX. They refused to identify on the phone as a collection agency, claiming they are a " negotiations firm ''. They continued to refuse to identify unless I identified who I was first, even though they were calling me multiple times. They further refused my verbal request that they send proof of the debt. I then contacted Cascade and requested written proof of this debt. This occurred on XX/XX/XXXX. To date, I have not received anything. This collection/false debt has been following me and causing me untold XXXX and grief, especially whereas my credit is involved. This XXXX XXXX also called my wife, despite having my contact information. They refuse to leave any voice-mails when they call. I do not know how to get relief from this situation. It is my belief that when I send proof that this is an invalid debt, they will simply sell the account and this nightmare will begin all over again and follow me for the rest of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 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: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I am writing to dispute charges on XXXX XXXX XXXX XXXX XXXX XXXX bills originating on XX/XX/XXXX-XX/XX/XXXX for the amount of {$68.00}, in addition to a XXXX bill on XX/XX/2014-XX/XX/2014 for {$120.00}. The total amount allegedly owed is {$190.00}. 
I am disputing the charges because I have maintained this wireless account with XXXX XXXX XXXX for over 15 years and have always paid my bill promptly. Unfortunately, my cell phone service had continuously deteriorated month after month for the past 2 years, which has resulted in strained personal relationships and loss of revenue for my business. I have given XXXX ample time to resolve the matter and have even received numerous discounts on my bills in conjunction with the poor service issues that have continuously gone unresolved. They include verified incidences where there was no receipt of missed calls/texts ; frequently dropped calls ; and a nagging XXXX bar of service that followed me wherever I went. Unfortunately, due to XXXX XXXX XXXX 's inability to fix the matter I was eventually forced to port my number to another carrier on XX/XX/2014. 

In conjunction with cancelling my service with XXXX XXXX XXXX I am being forced to pay full price for a final month of deteriorated cell phone service ( {$68.00} ) I received no benefit for, followed by account termination fees which were a result of the company 's own poor service ( {$110.00} ). My 2 year contract was expired, and I was using an outdated iPhone 4. I had refused on numerous occasions to sign a new contract for an upgraded phone as the problem lay with XXXX XXXX XXXX 's network, not my device. After XXXX XXXX XXXX refused to negotiate the matter with me to my satisfaction the debt went to XXXX XXXX XXXX and now onto Receivables Performance Management. XXXX XXXX XXXX has no legitimate basis for these charges and I should not be forced to pay full price + termination charges for a service of inferior quality. 

The account was opened when I was a minor with the help of my mother, although I have always been responsible for the bill. I am the primary on the account and have repeatedly reminded XXXX XXXX XXXX of this arrangement. My mother and I receive harassing calls from collectors and XXXX XXXX XXXX regarding the matter. They frequently call throughout the day, can not provide information on the debt supposedly owed when prompted, and often call and hang up. It is unfair that these collections letter be only addressed to my mother and that her credit score be tarnished.

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