vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I had spoken with a representative to close my account. The account was not closed and kept getting charged maintenance fees without my knowledge, eventually causing it to overdraft. I found out about the overdraft via a letter received on XXXX XXXX, 2016. I visited a branch on XXXX XXXX, 2016 to speak with a representative to try to resolve the issue. I was informed that the account had been charged off on XXXX XXXX, the same day I received the overdraft notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Altisource Portfolio Solutions, S.à r.l.
State: KY

Complaint narrative:
I have called Nationwide Credit , Inc. to get a physical address to send a cease and desist notice and validation notice. This company refused to give me the address, preventing me from sending a certified mailing to insure receipt of my letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I changed banks to XXXX, a division of XXXX XXXX. Since I did that, Target Card Services has failed to post payments even one business week after the bank shows that the payment cleared. For example : a payment was made on XX/XX/XXXX. The bank shows that it cleared on XX/XX/XXXX. Today, XX/XX/XXXX, Target Card Services shows that the payment was made and shows the date it was made, but there is no corresponding adjustment to available credit. I see this and it looks like there was a problem with the payment. 

Even worse, a statement issued by Target Card Services on XX/XX/XXXX, the day after the bank shows the payment as cleared, DOES display a corresponding adjustment to available credit. Either I ca n't trust the online information, or I ca n't trust the statement, because they do n't agree. 

I have both called and messaged Target Card Services. Both times they cheerfully told me that I could resolve this right away if they could conference in my bank and get a confirmation that the payment ( which cleared a week prior ) actually cleared. WHAT? How are they verifying payments, XXXX XXXX? I need to conference call my bank? They did n't even offer a date for when the payment would clear if I DID N'T conference call my bank. 

This problem never happened when I was still with XXXX XXXX XXXX, but since XXXX XXXX XXXX was insanely fee-heavy and impersonal, I left. This problem also does not happen with any other credit card companies, including XXXX XXXX XXXX - it is only happening with Target Card Services. 

To add insult to injury, when I tried to reply to their completely unsatisfactory online message, the messaging system crashed. I 'm sure that was a coincidence, but I lost the lengthy reply I had composed, so it certainly did n't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Sterling Infosystems Inc.
State: WV

Complaint narrative:
Sterling Infosystems conducted a background check on me for employment with XXXX and there was false information on my report. It said that I had a felony charge for disorderly conduct and a misdeameanor charge for assault which is also not true. I was charged with a XXXX in 2010 and a XXXX, not a XXXX in 2010 as well. Because of this, my job offer was revoked and the company has yet to send me the proper paperwork to dispute the claim with them. The background check was completed last month and I have been trying to get this straightened out. I want this taken off my record and they also only verified the information by my name and nothing else. They have caused me to be unemployed and out of a job because of a careless mistake on their behalf.

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 2016-08-10 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: WY

Complaint narrative:
While I have not been personally affected by this issue, it was discovered that when you pay off a student loan with Great Lakes, they calculate 10 days of interest. If they receive your check prior to that 10 days, they do not refund the money unless it is greater than {$5.00}. This fact was directly stated to me by Customer service. Of course this is a relatively tiny amount of money, but multiplied by possibly XXXX of transactions, I believe they could be receiving a large amount of on unearned money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: AE

Complaint narrative:
While XXXX in XXXX I found out that my car loan was sent to debt collection for late payments over 90 days. The vehicle was paid every month. The company states no payment for the last year and charged off as bed debt. Purchased in XXXX XXXX XXXX in XXXX of 2012 through XXXX XXXX XXXX in XXXX, OK. Paid as agreed every two weeks. Amount was automatically paid out of our bank account with no issues. I was notified by TD auto Finance after calling in to add money to the principal that the account ( # XXXX ) was not paid for a year and has been charged off as bad debt. I have proof that the money was being taken from the bank account, and am a loss as to what happened to a years worth of payments. I have received nothing in the mail to inform us of late payment or that the vehicle was charged off until requesting more information on my end. After asking to speak to a supervisor I was sent to voice mail box for the manager of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Absolute Resolutions Corp.
State: MI

Complaint narrative:
today my bank account was garnished for entire amount in my account, it was XXXX, I called the debt collecting agency that took my money and was told I would not be able to talk with the person that was handling my case, that they would be gone until XXXX/XXXX/16. Then I was told that nothing could be done for me and that I should wait and call back on Friday. I do not believe this to be accurate but feel that calling them will get me no help. My hands are now tied and I have NO money or resources and I am a single mother of a XXXX year old and do not even have money to get her food or pay my rent ( which will cause eviction actions ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
The finance institution, TD Auto Finance, said I was late 24 months out of 72. Based on the records they sent I had XXXX double payments starting with XXXX XXXX, 2008. XXXX payments were sent and they charged interest on both payments. In the double payment months only XXXX payment should have been charged interest and the total second payment should have been applied to the principal. To get the pink slip for payoff to release the car, they said I owed XXXX ( XXXX in interest, XXXX for late charges ad XXXX attorney fees ). According to their paper work the loan was off in advance. The have overcharged me the XXXX in interest and three months payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: NE PROCESSING LLC
State: OH

Complaint narrative:
XXXX XXXX called from NE Processing and said they were filing a case against me. Never said she was calling from a debt collector per FDCPA. She also called my husband.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Arnold Scott Harris, P.C.
State: WI

Complaint narrative:
Received a call from XXXX XXXX on XXXX/XXXX/2015 from Arnold Scott Harris debt collector. I was not aware of the outstanding debt for XXXX ride on XXXX/XXXX/2015 from XXXX XXXX. I never received a bill and XXXX would not give me any information regarding how I could get a copy of the bill. I searched and found the number of the XXXX XXXX XXXX and talked to XXXX. She verified that the address XXXX city ) they had on file was incorrect which explains why I never received a bill. She also said she could not send me a copy of the bill and told me there was nothing XXXX XXXX XXXX could do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
Credit card company stopped sending bills monthly but instead sent bills out sporadically and after payment was due so that we had fees and interest charged on multiple occasions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-17 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:
TD Bank has charged me XXXX overdraft fees on XXXX/XXXX/16 for {$35.00} each and XXXX internal transfer fees for {$9.00} each, stating my account was overdrawn when XXXX outbound internal account transfers were executed, however on XXXX/XXXX/16, the account was funded with {$100.00} and the credit posted on the same day the account transfers posted, leaving the account with a sufficient balance to cover the overdrafts on the same day the transactions were placed, therefore no overdraft fees should have been charged and can not be justified. This account is not enrolled in overdraft protection, and td bank is not supposed to approve transactions exceeding the account balance. In regards to the transfer fees, TD Bank is charging these fees for regular day to day account activity which is unjust and unfair to the consumer. The XXXX transfers that were performed were XXXX transfers into my checking account and XXXX transfer into my savings account to cover a XXXX dollar negative balance. I should not have been charged transfer fees and overdraft fees totaling XXXX in 1 day for performing transfers to keep my account balances positive in good faith. The overdraft fees are my primary concern because no overdraft ever occured and the account had sufficient funds on XXXX/XXXX/16. When I asked customer service to waive the fees, they denied my request as if I was asking them to waive the fees as a courtesy. I am not requesting a courtesy refund. I am requesting a refund on grounds that my account had sufficient funds on the day the transfers were executed. still, the bank continues to implement ways to profit from the customer for normal day to day account activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GREAT LAKES
State: FL

Complaint narrative:
I have received several calls and letters from the debt collection company Great Lakes. They have failed to state who the original creditor is but insists that I will be subject to wage garnishment. I received a letter from them stating that if I do not set up a payment plan with them then wage garnishment will happen by XXXX XXXX, 2016 The letter they sent says the amount owed but it does not state the reason or the company it came from. Great lakes is not listed on my credit report so I do n't why they are bothering me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: CO

Complaint narrative:
This complaint concerns a private student loan held by XXXX and serviced by Great Lakes. I began paying on this student loan in XXXX XXXX. From XXXX XXXX to XXXX XXXX I made every payment and additional payments worth about {$5500.00}. I made additional payments because of my plans to get a XXXX ; by making payments ahead I hoped to avoid making payments while enrolled as a XXXX student. Before describing the substance of this complaint I note that I had another student loan which I paid entirely during the XXXX period. I was scheduled to begin graduate school in XXXX XXXX. 
In late XXXX I called Great Lakes to ask about deferment. In particular I wanted to know if my best option was to go onto deferment or wait until the time in which I was paid ahead ( at this point, about XXXX years ) was over and then go on deferment. I explained that I was enrolling in graduate school and wanted to avoid payments if at all possible. 
The customer service rep explained that I should go on deferment and any period in which I was paid ahead would simply be begin at the end of my deferment period. In other words, after deferment I would still have roughly XXXX years in which no payments were required. 
In XXXX of XXXX Great Lakes informed me that I was out of deferment and I would have to resume making payments ; they explained to me that the payment clock resets after deferment and any time in which I was paid ahead is nullified because of the deferment. The customer service rep I spoke to in XXXX had apparently provided me with bad information ; I had been told my " paid ahead '' period would begin after my deferment ended but now, according to representatives at Great Lakes, this is not the case. 
I am in the curious position of being paid several years ahead on a loan yet simultaneously having monthly payments. Because I am still a XXXX student I struggle to make the monthly payments ( I should be done within XXXX months to a year ). 
I feel that this situation is largely the fault of Great Lakes. I was told bad information by a customer service representative in XXXX the thousands of dollars that I paid ahead have all but vanished now. 
Great Lakes has been non-responsive to my requests. I have been unable to contact anyone in the company besides front-line employees. I believe that because I am paid ahead on my loan by XXXX dollars, and because Great Lakes has given me bad information, I should be given a period of time in which I do n't have to make payments or perhaps I can make reduced payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have already submitted earlier today a complaint ( # XXXX & # XXXX ) regarding XXXX XXXX XXXX. I wanted to make sure to include the other company in which he spoke of TD Bank, however, did not release an amount. Initially he stated that the total sum included both companies XXXX and TD Bank, but when sending information per my request, it listed XXXX only for the full amount. I was misled by them verbally, and nothing has been sent regarding TD Bank in which he mentioned. I 'm believing that he intentionally withheld information so he can do a second judgment in which he will continue to harass me. I 'm not denying owing either company, however, I am disputing the amount of XXXX and I have no idea of the amount he will be claiming from TD Bank. I 'm attaching more supportive documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I have applied for a Target REDcard while checking out at XXXX of Target stores in XXXX, TN ( On XXXX XXXX ). I made a one-time purchase when I applied ( back in XXXX 2015 ). 
I never received any correspondence from Target REDcard at all. I only received a letter from XXXX collection agency on XXXX XXXX, 2015. I called Target REDcard and they informed that the mail was returned!! ( probably due to invalid address ). I asked for them to contact the Credit Agencies to remove the bad credit that they reported. Target REDcard refused to remove the bad credit reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
i found aTDBANK gift card debit that expired and ca n't get aresponse from the bank as to its value at the present time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 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: Lien Enforcement Inc
State: CA

Complaint narrative:
The company, Lien Enforcement , Inc - Wrote a letter, as I will attach, threatening for me to pay a fine of XXXX for a fine for a towing company for a car I DO NOT OWN ANY LONGER. We have already been to the XXXX and filed our release of liability, last XXXX 2015 -We have called to confirm, and XXXX also advises we are not the owner. The company threatens to report me to debt collection, and when calling to notify them that we are no longer the owner and that we can provide release of liability, they inform us " it will do us no good. '' They need to do their work, and notify the correct owner of car, as XXXX can confirm that information for them. They are a SCAM company, trying to bully other owners into paying money they do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PLS GROUP, INC
State: WI

Complaint narrative:
I had a vehicle title loan in XXXX with PLS on XXXX XXXX in XXXX Wisconsin. The title loan was paid off and the title was handed to me in person. I then went to the XXXX and received a clear title with the paperwork PLS provided. 2 years later I received a threatening phone call from " XXXX XXXX XXXX, XXXX '' stating I owed on a installment loan which I never had, A PLS employee at the store where the a ledge loan was taken out told me the prior employees took out loans in other peoples names and keep the money. The store was closed since this happened and my credit has been destroyed. I have asked for copies of the paperwork and PLS refused. Today ( XXXX/XXXX/XXXX ) I spoke with XXXX at the corporate office ( XXXX ) XXXX, they do admit they had a problem and would look in to it for me. This is a XXXX, I myself am a XXXX in the XXXX. Please give me a hand clearing my name and credit, I should also be provide compensation for the financial damages to me. I look forward to working with you. 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 non-monetary relief
Consumer complaint received 2016-04-08 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: Maury Cobb, Attorney at Law, LLC
State: NC

Complaint narrative:
I was a XXXX customer for 8 long and frustrating years. I had little to no signal and experienced XXXX dropped calls & choppy calls. After years of " we will add new towers in your area soon '' I switched to XXXX. XXXX sold me a phone w/LTE technology. They PROMISED me the new technology would solve my connection problems. They switched to XXXX technology the same week that they sold me the phone. They sold me a useless phone. This same phone was stolen from my shop 2 weeks after I switched. I had it blocked. I also discovered that I had been paying on a phone that I paid for in full at date of purchase. 6 months of wrongful payment for the XXXX phone. I was told I owed on the phones. The cust serv rep at XXXX ASSURED ME they would waive IN FULL the phones ( again, one I had already paid for ) upon termination of service. At that point I owed {$280.00}. I offered them {$140.00} to resolve the issue. The other {$140.00} was ONE DAY ( less than 24 hrs ) of service into the next billing cycle. I offered a prorated payment of {$250.00} to cover the extra day. They refused. My offer to pay the {$140.00} still stands, but all credit references must disappear with said payment, as well as all calls from debt collection agencies and all of their annoying robocalls. They now say I owe {$830.00}. Please understand that " what i owe '' is many numbers. When I call I can get as many as XXXX different " you owe '' totals. Its all XXXX. I " technically '' owe them less than {$140.00}. Im no longer interested in paying the {$140.00} as they have cost me far more than that in aggrevation. I was a customer for 8 years with NOT ONE SINGLE LATE PAYMENT EVER for crying out loud, & aside from this issue I have PERFECT credit. They have sent this " fictional debt '' to many different collection agencies, all of which have harassed me relentlessly. The calls are all hours day and night, even at XXXX and XXXX XXXX. They have hindered my sleep and caused me financial loss. I would like to seek retribution. I have an attorney of my own that knows me well. I am also getting dozens of robocalls daily. One happened at XXXX as I typed this. Conclusion : XXXX has been sued by many agencies for many dishonest practices. This is just another example of their dishonest business tactics. 
XXXX if you SAY you will waive the phones, and SAY " your phones are waived. You no longer owe on the phones '', THEY SHOULD ACTUALLY DO IT!! 

The " imaginary debt '' has been sent to Maury Cobb & Associates LLC. 
Id also like to say since I switched to XXXX my life has vastly improved. My customers can actually hear my voice. Ive experienced less than XXXX dropped calls, I have coverage EVERYWHERE, and I get cell phone reception, not excuses. I should have switched 8 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief