vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I bank at TD Bank in XXXX, VA. I have a checking account and a savings account. The checking account is an account for Senior Citizens. I am retired and receive a monthly Social Security check and a pension check from my former employer. My wife continues to work and will receive her XXXX Social Security check next month. In checking my bank statement today, I discovered that I had been charged five overdraft fees of {$35.00} each. 
My account never had a negative balance. My wife and I went to the bank on this past Saturday to deposit a payroll check from her company. I specifically told the Teller in front of my wife that I was depositing a pay check and asked her to deposit the amount of the check as cash as the bank had agreed to do many times before. The Teller advised me and my wife that the check was deposited as cash. Today, I discovered that the bank had deposited {$500.00} as cash and the remainder of the check as a check subject to the banks holding policy on checks deposited into checking accounts. I called the Customer service XXXX number and explained the problem. The service representative understood my complaint and put me on hold to talk to her Supervisor. When she returned to the call, she advised that she was transferring me to her Manager to resolve the problem. Her Supervisor immediately got the Branch Manager of the XXXX Bank on the line and left the call. I explained the problem to the Branch Manager and she asked me if I had identified the check as a payroll check. I told her that I had done this as I have done many times previously. She said that the Teller was working today and put me on hold to ask her if I had identified the check in question as a payroll check. She got back on the line and said that the Teller did n't recall but later called me back and said that the Teller did remember cashing my check as cash, giving me {$500.00} at the time and depositing the remaining {$1600.00} as cash into our checking account. However, our account did n't reflect this understanding causing the {$170.00} overdraft fee. The Branch Manager said she would look into this but called me back to advise that she could n't reverse the {$170.00} overdraft fees because there has been a change in policy resulting in our account being charged the fees. I told her that we were not advised of any change in policy and the Teller had told us that the check was being deposited as cash into our checking account. Our checking account still remains debited for {$170.00}. I believe that TD Bank is fully aware of my problem and similar problems but has failed to change their accounting rules and processes because these mistakes benefit the Bank at their customers expense XXXX. I am asking the CFPB to help me resolve my specific problem by having the bank return the {$170.00} in fees to me and to look at the broader consequences for consumers if this TD Bank policy is allowed to continue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: RSH & Associates, LLC
State: KS

Complaint narrative:
I was contacted by phone on XXXX XXXX, 2015 by RSH & Associates , LLC. I was told they had been contracted by XXXX XXXX XXXX to collect a debt. I advised them I was still working with the hospital attempting to get financial assistance and I was told they would " mark my file. '' I was continually called and began receiving mail. On XXXX XXXX, 2015, I sent a letter requesting debt validation and requested that all future communication be in writing. I continued to receive calls. After several months, I was unable to get financial assistance from the hospital, I once again requested debt validation and a settlement request from the collection agency in writing. I received neither but I did receive more phone calls. Finally on XXXX XXXX, 2015, I sent my final letter, stating that I had never received any debt verification from their company and continued to receive at minimum a weekly phone call from their office when I requested all communication be in writing. I again requested debt validation XXXX final time and even gave them an email address to send the information to. I never heard from them again until today. I pulled my credit report to find they have put a collection on it. I have been paying XXXX XXXX XXXX directly for over a year and I have copies of cancelled checks to prove that. Not once has a check been returned or made out to anyone other than XXXX XXXX XXXX. I have no idea why this collection agency is reporting to my credit when they have never verified the debt and never followed the FDCPA when I requested all communication be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: CT

Complaint narrative:
Our mortgage company bundled our sewer tax into other bills paid out of our escrow for several years. Then suddenly the sewer tax stopped being paid. We called and Dovenmuehle told us that this was an error and that they would submit the payment. This happened two years in a row, then last year they told us that they did not pay sewer tax and apparently had never paid the past due sewer tax. While we tried to figure this out, the city put a lien on our house and charged us late fees and interest. I spent a few weeks working with people at XXXX XXXX ( the company that holds our mortgage and sold the servicing to Dovenmuehle XXXX in XXXX of 2015 to get it figured out. Finally I was told that the past due amounts and additional interest had been paid. We got a new sewer tax bill in XXXX and apparently the money that we had been paying toward the actual bill had been put toward the fees Dovenmuehle was supposed to pay, and now we were late on the current bill. We also saw that there were XXXX charges for " hospital tax '' billed on one day from our escrow. I called XXXX XXXX again and was told that those payments were toward the late fees which XXXX was supposed to pay - so they took our money out of escrow to apply toward bills they had promised they would pay and called it something else .... I do n't know if they were trying to cover up that they were taking our money to pay for their mistake or what. But to this date, the issue that has been going on for years has STILL not been corrected, even though XXXX XXXX repeatedly assured me in XXXX that I did not need to worry about it, it was all taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Revenue Corporation
State: AZ

Complaint narrative:
Robocalls from XXXX on XXXX, XXXX, XXXX ( which I answered to let them know they had the wrong person, but was only a robocall, with the message if I was not this XXXX? person, hang up ) and XXXX. They have been looking for this person for a long time. My wife called them in 2014 and told them they have the wrong person and did not have consent to call this cell phone anymore. Two years later, they are ignoring that verbal cease and desist order. Their website is down & I do n't feel the need to spend money to send certified mail or fax when a verbal cease and desist is permissable according to FDCPA & XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I sold my house in XXXX, and realized that a debt that I had paid off years ago was still listed as a lien on my home. The title company is holding money until a release is issued in a recordable form. 

My attorney at XXXX XXXX has called repeatedly and is always told that it has been filed, will be filed, will be sent to them, and it has not been taken care of. 

Today they attempted to speak to a supervisor and was given a non-attorney XXXX XXXX who hung up on the attorneys office after she attempted to explain we have been getting the run around for months. 

The title company is holding {$12000.00} of my money for a debt that was paid off years ago. ( Blitt and Gaines Admits that it was paid off )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Webcollex, LLC
State: FL

Complaint narrative:
They call my cell phone but i cant answer my phone at work they pull a history and found my work number and they call me there tell me i need to paid this small balance i own yrs ago if not they will take legal action against me. They call mine my work phone with a different number so i can pick up and they call every 3omin and threatened me.

Company response to consumer: Closed
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial falsely reported XXXX medical collections under my name with all XXXX major credit reporting agencies. I am neither the patient nor the guarantor on either account, which has been verified by Bull City and the original creditor. I have filed disputes with the credit reporting agencies, but Bull City is ignoring the disputes. Despite repeated requests, Bull City has refused to delete this reporting from all XXXX agencies. They are knowingly and illegally causing a malicious and adverse effect on my credit score.

Company response to consumer: Closed
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I receive a call Capio Partners being disrespectful over the phone. About making comments about my debt when I said I sent you a letter and please do n't call me until you respond to the letter. I found out that 12 days ago they receive this debt from XXXX XXXX without my permission and not responding to the letter of validation on XXXX XXXX, 2016. Plus I mail an request for Validation letter to Capio Partners on XXXX XXXX, 2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
HESAA loan there are really no repayment options except defaulting everything else no one really qualifies for if you can even get any info on it this loan was represented to me as a government loan not a private lender to make matters as bad as can be the website is almost impossible to even enter- i have to try at least a dozen times before i can even get to the login page. making a timely payment becomes impossible unless you have a few hours to devote to trying. there is no way to get billing notifications either through email or snail mail until you are late, then you get tons of them. is it really so much to ask for automated electronic billing? at the percentage they are collecting?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: NY

Complaint narrative:
Whoever is calling wanted to verify residency by giving last XXXX numbers of social security number and would not state who they are or any other information as why they are calling and caller ID just said the phone number and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have been a credit card holder at Target for more than XXXX years. During that time I have always timely paid my bill without fail. My small credit limit of {$500.00} means that every time I use the card for more than {$100.00} I in effect negatively impact my credit score. I have made several requests over the last few months to have them raise my credit limit and all I am told is that they have a policy that they review accounts on an ongoing basis. However I should update my income which I did in early XXXX, early XXXX and the latest on XXXX XXXX and I would hear within 75 days only if the increase is granted. 
However after numerous calls I have not been notified of any increase and have received no notification that the increase was denied or for that matter even considered because no notification was ever sent. 
I have made several calls and no one will give me this information but they propose that as a solution to impacting my credit score I do XXXX or XXXX of the following:XXXX File for a debit card and in effect give target an interest free loan. 
XXXX. Pay my bill immediately after shopping in the store even though the monies are not due for weeks depending on at what point in the billing cycle I hit. 
Certainly target the right to deny credit to any customer that does not qualify but I would think that they also have a legal obligation to appropriately notify a customer whether or not a request for a credit increase was denied and also the reason. Frankly I feel that Targets failure it appropriately notify me is in effect a form of discrimination because this failure does not offer me the opportunity to determine if credit is being denied for an inappropriate reason and I am indeed being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I opened a Target REDcard managed by TD Bank in XX/XX/XXXX. This week ( the week of XX/XX/XXXX ) they closed my account due to 18 months of inactivity. I called, and they refused to re-instate the account. However, I reviewed my Account Agreement, and there is no language regarding inactivity in the Agreement. TD Bank should be required to re-instate my account because of the language in the contract that they themselves wrote.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 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 have XXXX recent issues with TD Bank regarding XXXX different accounts. Both complaints have to do with excessive charging of fees. The first is TD Bank assessed charges against an estate account which dipped below {$100.00} as I was in the process of closing the estate and account. The fees they charged caused the account to go into the negative. that is the only thing that caused the account to go negative. I fought that and got most ( but not all ) of the charges reversed. The 2nd item involved TD Bank clearing unauthorized charges against a business account which put the account into the negative and then charging fees for being overdrawn which made the negative balance larger. I was unsuccessful in fighting TD on reversing these charges and had to deposit {$65.00} to bring the balance to XXXX. At this point I closed the account to stop the madness. When I again tried to get charges reversed I was told they could n't do anything about a closed account. All of this is deceptive and designed to extract fees from consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We have had difficulties in paying our loan to Bank of America. Tried to set up electronic payment through our bank ( not a BOA ) when our loan was bought by BOA and the first month was a nightmare of issues of BOA, so we ended up sending a check but made it so we could track when it was received. Took 3 weeks to show it had processes. We were able to set up electronic payment ( not automatic withdrawal ) the next month. But it takes more than XXXX attempt to electronically pay. XXXX month it took XXXX attempts before it was able to successfully be paid and that was after us calling to complain and after BOA sent us a default notice by certified mail! It had only been 3 weeks and XXXX attempts to pay BOA. And when I called about the default notice, I was told there were no problems with my account. And that BOA sends the notice to all WA residents as information on our rights as WA residents and it was not a notice of default. I have spoken with a representative at WA XXXX XXXX XXXX XXXX and was told that BOA may have sent the notice after our XXXX payment being late ( 3weeks! ) but it was definitely a notice of default not just a informational letter as I was told when I called BOA. BOA has been extremely frustrating to work with since our loan was purchased by them 5 months ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Buyer and seller entered into a contract to purchase real property in a common residential agreement. There was a mortgage contingency and the buyer chose TD bank to obtain a mortgage. Contractually, the closing date was to be XX/XX/2016. TD BANK issued a clear to close on XX/XX/2016. Sellers moved out and went under contract to purchase another home based on the contingency being removed. Closing was still delayed until XX/XX/XXXX because of various issues, but both parties had signed ALL required paperwork on XX/XX/2016, both the buyer and TD bank wired funds to the closing agent. However, TD BANK REFUSED T FUND THE LOAN BECAUSE OF " underwriting '' concerns. It is now 3 days later, funding has not yet been authorized, and the parties are not being told why, if it will get resolved, or when. TD BANK IS HOLDING at least XXXX families hostage and are not communicating at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
A CSR from Titlemax in XXXX, TN has broken the privacy policy. She took the title to my vehicle, the first page of my contract ( with my personal information on it ), and a letter from the state of TN denying their request to be made lien holder on my title to XXXX XXXX telling them to fill out a discharge of lien paper and give it to her because when XXXX XXXX released the lien on my title the store associate had not put the date next to her signature. The XXXX XXXX employee that the Titlemax CSR spoke to when she took the papers into the office saw all of the information on the contract page because the CSR laid the papers down on the counter in front of her and said that my name was even highlighted on the paper. I used to work XXXX the Titlemax employee went to and the XXXX XXXX employee she spoke to was XXXX and she now knows not only that I have a loan with Titlemax, but she saw all of the information on the first page of my contract twith them. I can not even begin to explain how embarrassing this is and how upset I am about my private information being shared which is a clear violation of the privacy policy that was explained when the loan with Titlemax was established. The XXXX XXXX employee explained that she could not give a discharge of lien to anyone other than myself or the state of TN if requested because of privacy laws in TN, and then contacted me to let me know what had happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I am a XXXX single women living on a fixed income. 
I took out a title loan with Title MAX for {$3200.00} in XXXX of 2014. I understood that I would have a payment of {$410.00} each month until I reached the total {$3600.00} which was the loan plus interest. 
After XXXX payments of {$410.00} each month or {$3300.00} I still owed {$3200.00} of principle and another {$410.00} of interest. 
When I realized that the payments were only fees I asked the women at Title Max " do you expect me to pay this every month and not pay off the loan ever? If I had been told that I would have never taken the loan. " In the first week of XXXX I had an accident that totaled my car. Now Title MAX wants to keep {$3600.00} from my insurance settlement. Which means that I will have paid {$3700.00} for the loan which I had for less than a year. 
Now that I know how the loan was structured I have come to realize that Title MAX gave me the loan so they could get my car from me. 
Now since they are taking {$3600.00} from my settlement I will have only {$400.00} left and will not be able to replace my car.

Company response to consumer: Closed with explanation