vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: E*TRADE BANK
State: VA

Complaint narrative:
I PURCHASED A {$20000.00} CD ) CERTIFICATE OF DEPOSIT FROM E-TRADE BANK, FOR A PERIOD OF 7 YEARS IN 2000 .THIS CD WAS A AUTOMATIC RENEWAL TYPE. I REQUESTED THAT THE INTEREST THAT IT ACCUMULATED BE SENT TO MY CREDIT UNION, AS IT ACCUMULATED. THIS CD HAS MATURED TWICE. I ATTEMPTED TO CASH IN THE CD AND THE E-TRADE CA N'T LOCATE THE CD AND DELAY IN GIVING ADJUSTMENT INFORMATION

Company response to consumer: Closed
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: LA

Complaint narrative:
Loan was paid in XXXX XXXX. In XXXX, 4 years after I moved from VA ( moved in XXXX XX/XX/XXXX-6 months after debt paid ), I was suddenly contacted by XXXX XXXX XXXX representative stating my debt was not paid and that I now owe them {$1100.00}. I explained that the debt was paid and due to so many years passing by I had shredded documents that were not required for me to keep since account was paid off. In fact if I did owe the loan XXXX XXXX XXXX had the right to cash the check in their possession, which they did not have because I had received it back when the account was paid. That was something I requested they provide and they were not able to provide anything. Despite my letter to them and the conversation on the phone I was continuously harassed and nothing sent to me. Then in XXXX I was contacted via collection letter by XXXX XXXX XXXX attempting once again to collect on this paid off debt. That now is an additional two years, totaling 6 years after I paid the debt that XXXX XXXX XXXX is attempting to collect on a debt that was paid in full. Now XXXX, I am receiving a letter from Cascade Capital attempting yet another time to collect. It seems the collection agencies have had no problem finding me and back in XXXX XXXX XXXX XXXX contacted me on the phone that was provided with the account, so I do n't understand why so many years have gone by with no contact and suddenly they want to collect on debt that was paid in full. Somehow their records have been a mess or perhaps since it is a cash basis company their representative may have stolen the money. Again, a check is issued with understanding if payment not made on due date the check will be processed, never has been and never will be because I did get it when I paid the account off. Unfortunately, I attempt to destroy records that I do n't find I need to keep. Sadly I should have kept these but did n't, who what have known this would happen to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Regional Management Corporation
State: SC

Complaint narrative:
I have XXXX cases with you on the same conflict with Regional Finance the case numbers are XXXX and XXXX although today i called and was told that i did not send back needed infor on the last case. But did not receive a request. So yesterday at XXXX Credit Recovery for Regional called again and I told them that this case had been written off and that they reported it to the credit br. as refused to pay. I have a case with XXXX on this subject and the case number is XXXX. As you know from my XXXX case that Regional Finance cussed during a collection call. XXXX never contacted me after i filed a case with you. However this Credit Recovery keeps calling. WE wnat the title to the car back or to move forward with the casw with you for unfair collections. I have attached several documents for review for my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IA

Complaint narrative:
ECSI has limited options for student loan repayment that do not involve a fee. The direct payment option is frequently not available, which can make it impossible to make a payment on time without choosing an option that involves paying an additional fee. Also, I can not find a way to contact the company by phone so I can talk to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Hello, My wallet was stolen on Saturday, XXXX XXXX. Within XXXX minutes of this happening I had a fraud charge alert. I handled it with my bank, and cancelled my other accounts. 

The reason I 'm writing is that less time that it would have taken to drive to the Target in XXXX XXXX, they had spent almost {$300.00}. Last year I was the victim of the Target theft that happened to many people. The only charge was about {$90.00}, also at the Target in XXXX XXXX. 

These are the only times I 've experienced credit/debit card fraud.. and they both had charges at the same Target in XXXX XXXX , California. 

This I find odd, and I do n't believe in coincidence. I just wanted to bring it to someone 's attention. It seems far fetched that the XXXX times in my life that I 've had issues, where in the same place. I had not been to the Target in XXXX XXXX on either occasion. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Taking out student loans with XXXX was the worst decision my XXXX self ever made. Then when Navient it bought it things got worse. My payments are not affordable and they will do nothing to help. They sold XXXX out of XXXX to another company which I found out was because they put me in default. I have over {$80000.00} to pay back and I have only been paying interest which is so incredibly stressful considering I will never get ahead. Something needs to give. Not to even mention the handful of calls I receive every day on ever phone number including my work. They served me once with a court document from XXXX of the companies they sold a loan to and never told me about it! It 's out of control. I can only hope something will be done to stop them from holding me captive and start to work with me. If I could select ever option below about what 'best describes my issue ' I would select them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: GREAT LAKES
State: FL

Complaint narrative:
The way the loan is now being reported has caused a significant drop in my credit score. The amount that I am now showing shows that I have over utilized my extended credit when I have been making timely payments. XX/XX/XXXX, XXXX XXXX raised my credit limit. XX/XX/XXXX, they lowered it. I can not get an answer from them for the " new '' reporting guidelines. HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
We took out XXXX home equity loans ( XXXX and XXXX mortgages ) with the same bank, TD Bank approx., eight years ago. ( we have a XXXX mortgage ). At the time, we had no idea the effect it was to have on our lifestyle especially after plunging into finanical hardship in 2011 and beyond. We began to beg them to lower our mortgage interest rates so we could afford the payments which we were starting to pay late and they would not comply. They soon began to ruin our credit and it got worse as we tried to process a remodification on our own twice and once, with a local HUD not for profit. It just kept being rejected. Finally, it got so bad we could not longer pay and stopped making payments for almost a year while looking for an attorney to assist us. They started foreclosure proceedings against us and would not budge no matter how many times we tried for a remodification. We spoke with several attorney 's and even wasted time with a firm in CA who told us they could get them to settle. They ended up almost stealing our money whcih we had to fight to get back. This bank is known to be " difficult '' with this sort of thing as per more than one bankruptcy/mortage attorney that we spoke with over three years. They are not difficult. They are impossible to deal with. According to their " standards '' we do n't meet the debt to income ratio that they establish and according to these standards we can afford these payments. They are going to tell us that we can definetly put food on our table with over {$2700.00} a month in mortgage payments and almost another {$1000.00} per month in regular bills!!! They offered us only a recast which they consider a form of modification. It is only bringing us current. It is not modification and they know it. They get away with calling it one. We owe even more now, our payments increased and they passed legal fee 's on to us too, about {$3000.00} per loan. They call themselves a friendly bank. There is nothing friendly about them. It is exploitation of middle class people who were just trying to do the right thing and consolidate bills that came partly from large emergency home repairs. We are also now facing a loss of income as one earner is very likely being laid off this spring from a long time position. We are going to lose {$30000.00} in income. According to their " standards '' I am sure we are going to be told that we can still 'afford '' this. I was just told this two days ago by one of these representatives who handles these complaints. It 's an insult to our intelligence. We have to face losing our home or being forced to sell if we ca n't get these loans modified? Six years and counting of suffering and misery. If we have a real emergency we care going to lose our house because of these loans. Shame on TD Bank!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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: CA

Complaint narrative:
XX/XX/XXXX, Great Lakes told me that my student loan payment was jumping up from {$270.00} a month to {$560.00} a month because I made a few thousand dollars more than the year before. That would be the payment under income-based repayment. I called and asked why my payment was almost doubled considering I only made a little more than the year before, and no one could give me a good answer. I asked if there were other options, and they said that I could pay {$5.00} to apply for the PAYE program. While this was going on, I had also hand-written a XXXX-page letter explaining that I could not afford a $ XXXX monthly payment, asking for a reconsideration of this amount. I faxed them this letter and mailed it to them. When I called again to check on the status of my application, I was told that I was not eligible for the PAYE program. I asked why I was made to pay a {$5.00} application fee if I was never eligible. I did n't get a good answer but was told that I could apply for the REPAYE program to get my monthly payment down. To make a long story short, I keep getting emails and letters that my income-based application is in process and that my $ XXXX monthly payments will begin on XX/XX/XXXX. I have called them probably a dozen times by this point to ask again and again for the status of my REPAYE application, and I keep getting the run-around. Every time, it 's a different story -- '' We need a paycheck stub. The application is still in process ( after several weeks ). Your payment will be {$560.00} a month. '' I have given them all of the information they need to make a decision on my REPAYE application, and yet it always seems to be in process. I even asked to speak to a manager last time who said she would make a note to rush my REPAYE application, only to get another email from them about my income-based repayment. I 'm tired of constantly calling them and getting the run-around. I feel like I am being pushed to make a payment I can not afford -- a payment which has no justification based on my income -- or pushed into forbearance where my interest will continue to compound and accrue. I am trying to pay off my student loan in earnest. I need a straight answer from them with regards to my REPAYE application. I need a lower monthly payment than {$560.00}. I 'm not sure where that number comes from. Can CFPB help, please?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
nordstom with them 20 years starting in XX/XX/2014 a bunch of stonewallers put notes not to refund my interest. you know POWER politicians this is just to show how many power people are ouf there. i asked for interest back now i was told no. i then closed my card and asked for the refund they say now they will not refund the interest but closed the account. this is what the enxt president has to take on. GREED like this. i know i will get a script answer its valid. oh yes its valid but my business for 20 years is valid. too. Banks will write off fees when you dont pay at all but bad banks will not help good customers. no answer will address this but publish nordstrom bank is greedy powerful politicians and i am done. also i will NOT be paying the unrefunded interest if i have to i will fight ya at the credit bureaus. keep your scripted answers to yourself I am done. its a greedy day in america they are willing to lose me over XXXX dollars of itnerest XXXX XXXX refunds me every month GOOD RIDDENS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 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: TN

Complaint narrative:
In XXXX XXXX some of my loans went into repayment and I began making payments to Great Lakes XXXX. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX I made {$1900.00} in payment. According to my XXXX XXXX billing statement my payment history showed {$770.00} in principal payments and {$1400.00} in interest payments. I entered XXXX school in XXXX XXXX. However, in my XXXX XXXX billing statement, my payment history now showed only {$460.00} in principal payments and {$1700.00}, a shift of {$300.00} from principal to interest payments. The payment history on their site also now longer matches the information from the billing statements during that time. All the payments prior to XXXX/XXXX/XXXX are now all showing interest only payments. I noticed the issue after making my XXXX payment and contacted Great Lakes on or about XXXX/XXXX/XXXX. 

I was advised that someone would be researching the issue and getting back to me in XXXX3 business days. Three weeks went by and no update and the account is still showing incorrectly. I contacted them again today and they had no answers, despite having my call escalated to XXXX different supervisors XXXX and they advised that me it will take at least XXXX2 more business days to research the issue. When I asked for the detailed payment history for each disbursement ( token ) for the loan, I was first advised it would take XXXX6 weeks. However, once I spoke with a supervisor I was told it would now only take XXXX2 business days. I would like to make another payment, but I am waiting for them to correct this issue so that this payment is also not misapplied. 

I need both the detailed token payment history and the payment application error corrected. Further, I would like to have a detailed token payment history sent to me monthly so I can continue to monitor their compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On the same day debits were presented for payment a deposit for double that amount was made ; but somehow TD Bank believes it is justified to charge my account XXXX on my business account and another {$270.00} on my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I came thru drive thru at XXXX to drop off XXXX deposits before the bank closes at XXXX because its Saturday and when the worker came up to me at drive thru she did n't even acknowledge me she just opened the metal drawer and pull it back in and walked away. I do n't care if I came at XXXX technically ya 'll are still opened gor another 5 minutes so if she had a problem doing my deposits I can gladly change banks because I do n't need a worker with a XXXX face on dealing with my money. This location is TD Bank XXXX XXXX XXXX, Fl XXXX. I do n't know her name but she is shortXXXX. Deal with her and how to be customer friendly because her customer service is ugly. Thank you and have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
TD Auto Finance - Tried to pay off auto loan online - even though I received confirmation, the payoff would not go through. Then called to payoff by phone, but could not process due to automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Senex Services Corp.
State: NJ

Complaint narrative:
My son had a XXXX in XXXX 2014 at XXXX XXXX XXXX and was covered under his father 's insurance. All the bills the hospital sent were in his father 's name. There were a few bills and he told me he took care of them. I received XXXX bill from XXXX XXXX XXXX XX/XX/XXXX and thought it must be wrong. I contacted the hospital via their website a few times inquiring about this bill, but never received a response. I found out that this is now on my credit report and went to the hospital and then the administration building. They told me that they switched it to my name without ever notifying me and never sent me a bill and sent it directly to a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I spoke with XXXX XXXX XXXX a couple of months ago regarding fees and unrecognized charges to the account. Was advised to send in my affidavit in which I did and that someone from the fraud department would contact me but no one never did. XXXX XXXX advised me that it may take some time for a representative to contact me which is understandable but I have n't heard from anyone regarding status or anything. I 've faxed several documents requesting an update to the fax numbers in which I was provided but never received a response nor a call back. The collection agency in which target sold the account to are trying to sue me for a balance in which I feel that I 'm not totally responsible for. If someone can give me a call with an update on the account I 'd greatly appreciate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-04 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:
instaloan lied and told me my interest was a 2.5. % they says there is an " optional '' insurance if you do n't have insurance ( i have full coverage ). the insurance adds $ XXXX per month on top of the loan and then they say that it goes into the interest. they will not provide me a loan summary, interest summary, or an explanation and break down of monthly charges. i have asked 4 times for the information to be faxed to me and they never have. i receive no monthly bill or documents detailing the fraudulent charges. i refused to pay the loan until they adjust the fake insurance they tack onto the loan and proved me the details of the loan as required by regulation for loan originators. They keep telling me that they insurance is " optional '' but they would n't accept my insurance information or allow me to deny that fake insurance coverage. im contacting an attorney and also the department of justice in relation to this company. they have countless consumer complaints through various internet and consumer sites. this seems to be a sham loan company and consumers are being taken advantage of., i contacted insta loan 4 different occasions and requested documents to be faxed and have received no response. i spoke with XXXX XXXX, who hung up on me when i requested ( for a fifth time ) for the loan documents and interest summary to be faxed to me. they refuse to give me any information on the loan. they refuse to provide any information but expect me to pay a fraudulent insurance on top of my loan.

Company response to consumer: Closed with explanation