BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-13
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX I formally communicated to Prestige Financial and the CFPB if all efforts to collect the debit for our auto loan all communication going forward was to be done by EMAIL or Mail only. Please refer to claim # [ Case number : XXXX ] due to repeated harassing and back to back phone calls from Prestige Financial account managers. At that time I received confirmation from XXXX XXXX Compliance Officer Prestige Financial Services , Inc. our account would be flagged and alerted our account should be handled with Email/Mail communication only. Within this past week Prestige Financial account managers have made repeated back to back harassing phone calls to both my husband and my cell phones in addition to emails. My husband spoke with them on XX/XX/XXXX, XXXX, Incoming XXXX 2 mins. advising them payment would be made on XX/XX/XXXX when his VA XXXX benefits are deposited into our bank account. Within less than 7 days and the fact that on XX/XX/XXXX my husband advised when payment would be make to bring the account back current we received several more calls regarding the payment. Here 's is the documented harassing call log from our cell phone provider : XXXX call log XX/XX/XXXX, XXXX Vm Retrieval XXXX XXXX Voicemail XX/XX/XXXX, XXXX Incoming XXXX 1 -- XX/XX/XXXX, XXXX Incoming XXXX 2 ( Again my husband advised payment would be made on XX/XX/XXXX ) Today XX/XX/XXXX XXXX Incoming XXXX 44 sec XX/XX/XXXX XXXX Incoming XXXX ( call sent to voicemail ) In addition to the email received : Are you still interested in securing your account? I 'm happy to assist you but I need a URGENT RETURN CALL to avoid further escalation. I need a call back today thank you in advance.-XXXXXXXXXXXX XXXX XXXX Account Manager Prestige Financial Services , Inc .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02
Company: First National Collection Bureau, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not know of this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: GREAT LAKES
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On Tuesday ( XXXX ) around XXXX, I called XXXXGreatLakes to arrange a payment to pay XXXX of my Stafford loans IN FULL. The customer service rep gave me an amount and then took my card info so that the payment could be processed. To my surprise, I checked my online account info and found that this payment amount was not directed to the XXXX loans that I requested, but it was also spread onto my other XXXX loans. My account says that it is paid ahead by over a year, however, my request was to completely pay off XXXX loans, while not touching the others. This request was made well before the monthly due date so there is no reason to apply any type of payment to the other loans, especially considering the payment applied to the other loans included both interest and principle. Whether the payment being applied this way was due to error or due to policy, it is completely unacceptable and the customer service rep acknowledged my intent to completely pay XXXX specific loans ( XXXX with the highest interest rate ) and failed to follow through properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
THOSE SEVERAL DEBIT ARE NOT MINE, OR I HAVE NOT AUTHORIZATION, OR NEVER USED THIS COMPANY, TO RENT O BUY MOVIE ... .I INFORM TODAY A TDBANK SUPERVISOR, XXXX TO XXXX ( fraude of {$100.00} ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX PURCHASE AUTHORIZATION XXXXXXXXXXXX {$1.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$1.00} XX/XX/2016 XXXX {$3.00} XX/XX/2016 XXXX XXXX {$3.00} XX/XX/2016 XXXX {$9.00} XX/XX/2016 XXXX {$9.00} XX/XX/2016 XXXX. {$20.00} XX/XX/2016 XXXX {$59.00} I NEED THAT CFPB HELP ME TO ( FORCE ) TO TDBANK RETURNED THIS AMOUNT OF $ XXXX.CONSIDERED ( FRAUDE ). TODAY I AM MAKING THE REPORT TO TDBANK ... .REPRESENTANT TOLD ME THAT WAIT UNTIL TOMORROW XX/XX/2016 IF IT OCCUR ... ..I NEED MY MONEY BACK., I APPRECIATED YOU COLLABORATION Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX SIMPLE CHECKING - XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I applied for a TD Go account on XXXX/XXXX/2016 for my grandson who is going to co to college. I have called several times giving my order confirmation # and authorization no. to many of your customer service representatives who at any given time have absolutely no answer as to why this account, or car has not been issued. Each time I call I get a different person of course and they no nothing and I am being told there is no one you can speak to regarding what is happening. I am extremely angry with TD bank as I have been a customer for XXXX years and can not understand this form of business dealing. -- I am at this point going to close all my dealing with this bank and believe me I will tell everyone not to deal with TD bank ever again VERY POOR CUSTOMER SERVICE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I haver requested on numerous occasions an interest reduction from Nordstrom Card which I believe is owned by TD Bank. Each time I have requested I am given another excuse as to why I can not be done as previously requested. I was told that " systems were down '' call us back in 30 days and we will lower it, make on time payments for 6 month and it will automatically be reduced. In my most recent discussion with a senior supervisor from Customer Service I was once again denied. I requested a full transcript from the conversation and was promised I would receive but again I was lied to. The ridiculous interest rate 0f nearly 29 % has prevented me from ever paying off this debt, even worse has caused me to fall behind in other areas. Nordstrom Card is avoiding this issue as they know that they are wrong. Please help me recover the extraordinary fees I have been charged. This bank is ripping many off in the same way I am sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Credit card
Issue: Other

Complaint:
I was issued a credit card XX/XX/XXXX through Target Financial services. On my credit report, target is reporting that the date of last payment is XX/XX/XXXX. They are also reporting that my date of XXXX delinquency is XX/XX/XXXX to XXXX and XXXX to XXXX. XXXX merely reports that the account was charged off XX/XX/XXXX. My contention is that if the date of my last payment was XX/XX/XXXX, then my 1st date of delinquency should be XX/XX/XXXX, not XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. I have disputed this account multiple times and Target Financial has validated the information several times with each credit reporting agency. This account is being reported directly to the XXXX credit reporting agencies, and not through a factoring company. Contact directly with the creditor is difficult as the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
To whom this may concern, In reference to my previous complaint about Scottrade 's treatment of my son. I have attached a bank statement that shows just how egregious the fraud at Scottrade has been. 

Over {$800000.00} of unauthorized ACH transfers occurred and Scottrade refused to refund the stolen money.

Company response to consumer: Closed
Consumer complaint received 2017-02-27
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Great Lakes Borrower Services, GreatLakes.org appears to be altering Auto Pay plans, and using my yearly renewal of Income Based Repayment plans as an excuse to disrupt my payment schedule, collect more interest, compromise my payment record, and in the end disqualify me from income based repayment benefits. 

Their auto pay system updated my scheduled plan to skip two months of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
TD Bank authorized XXXX payments of {$1400.00}, to a school debt collector. This was done after I called and explained to the bank I do not want it authorized, do not release any funds to them. However the bank let this school debt collector take the funds from my account/debit card twice. Meanwhile that I closed both the account and card days prior, because I was advised to, by a td bank representative. The account that I reported was tampered with serval times before. Also it was explained to me, the compromised account was in no check status and taken care of. Now the bank is saying, that I authorized the payments. I reached out to the debt collector and they explained to me, the bank released the payment. TD Bank had the collector, Account Control Technology, send me a letter, stating I must sign to prove I authorized the payments, when I did not. I did n't sign anything. I brought this form to a TD bank, to attach to these payment disputes I filed. This is the proof that I never authorized any payment to be made. Td Bank suggested that I close the card and account because it was compromised. Now I 'm over drawn. They have me over drawn & now the took money from my other checking account and sent it to the one being disputed. This account that they told me was secure and setup for direct deposit, they took that money and applied it to the negative. Then told me it 's nothing they can do, because the account ca n't go into no check status, that it is in fact not closed now. I 've been dealing with this issue since XXXX XXXX. My dispute is not resolved for these wrongful charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Delmarva Collections, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection service is constantly sending paper notice to collect a debt for someone who does n't reside at my address. I 've spoken to the agency and had the letters sent back to them but the notices keep coming to my address.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Collection Consultants to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Genesis Lending
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I went to XXXX XXXX and they encouraged me to obtain a genesis student loan and federal loans to help pay for the program which was 36,000. I graduated XXXX 2014 from the XXXX program. Some of my class mates have already started getting reimbursements due to the lawsuit with over charging for the program. I want to make sure my case was not over looked

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 explanation
Consumer complaint received 2016-06-03
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The 3rd party billing provider on my student loan offers one method of payment to avoid fees/ penalties/ convenience charges- and that is a direct checking account debit. Over the last 2.5years I have tried several times to set-up direct payments but each time there is an " error '' with my information and the payment declines. This has led to negative information reported on my credit record, XXXX dollars in added fees and interest charges, and hours of frustrating phone conversations. I have recently discovered that the problem is the company 's online payment system. The system has only been using XXXX digit entries for routing number and account number. Unfortunately, my checking account number is eleven digits long. The system has only been using the first XXXX digits of my XXXX digit account number that is entered- which in turn has caused the error- resulting in the above mentioned grievances. The company has made no attempt to rectify the situation. I can only wonder how many others have been unfairly charged fees, penalties, added interest, and have had negative credit information reported, all because of a system issue on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had XXXX insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the XXXX and on their constant harassing and threatening phone calls, to no avail. I am now a XXXX XXXX veteran living off of XXXX and declared " unemployable '' due to my injuiries substained while on active duty. 
XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX of the XXXX. They dismissed XXXX accounts and not a XXXX one. This is very disturbing to me. I have a XXXX XXXX XXXX as well as XXXX from being injuired XXXX and this does not help my XXXX. 
During hurricane XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Relin, Goldstein & Crane, LLP
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been on a wild goose chase, just trying to pay one {$200.00} debt that I did n't even know I owed. 

It started when I found out my debt was referred to a group called the XXXX XXXX XXXX. The only information I could find about them was an AOL.com email address, a PO Box and a XXXX business listing that stated they were " Permanently closed. '' I sent them an email and a letter asking for more to confirm their business was a legitimate one. They declined to respond, but one week after I filed my first complaint against them they referred my case to a law firm, Relin , Goldstein & Crane, LLP. I asked that we only communicate by email and they agreed. 

At first they were very responsive, but then I suffered a death in the family and my attention was diverted. At the beginning of this month I started to put my life back together and reached out to them. 

They indicated that they would pursue legal action against me if I failed to pay the debt, however they now have not responded to XXXX communications I sent, eager to resolve this matter. 

This is a small debt that I 'd love to get out of the way, but I do n't want to finance an illegitimate business.

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 2016-06-06
Company: Regional Management Corporation
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THEY REPEATEDLY CALLED MY PHONE THEY HAVE CALLED MY FAMILY AND FRIENDS AND ALSO MY NEW JOB. I AM SCARED TO EVEN ANSWER MY PHONE NOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01
Company: Regional Management Corporation
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX, we got into a position where we were unable pay for our check by mail loans and were getting behind. As a result, we contacted each company and did a debt consolidation loan through XXXX federal credit union. The only way XXXX was willing to complete the loan was by having me talk to each creditor and having them personally fax the payoff amount from each creditor. The payoff of each creditor was sent directly to the creditor from the bank ... not us receiving the money. Beginning about a month later, we started getting the check by mail loans through the same creditors because of our credit worthiness. Does not being able to make payments qualify someone as credit worthy? We ran into a situation where we needed the money. Again, we ended up not being able to make the payments and got way behind. We attempted very small payments but lenders were not satisfied with that. The majority of our lenders were willing to arrange for half payments on our accounts. There have been XXXX companies that have continued to harass us, even with making 50 % of original payments. XXXX company is Regional Finance of XXXX, TN. In XX/XX/XXXX, XXXX XXXX XXXX said that we needed to each make XXXX full payment on account and then would be able to work out a reduced payment. We sold off our belongings to get the money. After claiming that he tried to reduce payments for us he stated that he would not be able to because they are a publicly traded company and that accepting partial payments would be breaking contract. I went ahead and sent partial payments for the both of us. We got a phone call from them complaining and I frankly told them that other creditors have worked with us on partial payments. They ended up taking those partial payments for XXXX, XXXX, XXXX, and XX/XX/XXXX. Now they are saying that we either have to form XXXX loan and have them add all of the document fees back in and increasing payment or they are going to send to collection and pursue sueing us, even with making partial payments. That would be forcing us to file bankruptcy, which does n't help this situation-for the company or us and we have been making partial payments. The other company is XXXX XXXX XXXX XXXX XXXX, TN and is nearly the exact same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Midwest Recovery Systems
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received an email on my credit report that I have an alert. When I looked it up. It stated that I owed XXXX XXXX group {$740.00}. I was never notified of this from Midwest Recovery. I spoke to the manager and he stated it was taken out on XXXX XXXX with XXXX. I told him that I did not have an account with them and why was I not notified of this before it went on my credit report. He stated that he did not have my number or address, but he told me my address on the phone when we spoke. Then the date on the credit report said they recieved this on XXXX/XXXX/XXXX. He also say that it came from a third party but could not give me the numbers of the creditor or three party who is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was charged {$20.00} for insufficient funds on XXXX/XXXX/2014 on my First Bank XXXX checking account. The funds were never insufficient. The bank actually decided to withdraw twice the amount authorized for a mortgage payment, realized and reversed the error, but not before charging me with insufficient funds. I have been told repeatedly the the {$20.00} fee would be returned. To date no such a think has occurred. Instead their mortgage division stole {$4000.00} from the escrow account. This is being addressed through another complaint, Case number : XXXX. 

I have called, emailed, and complained in person. I have shown them plenty of evidence. This bank is in XXXX so there is absolutely no sense of urgency much less contrition or competence. 

The Bank has no functioning hierarchy. It 's headquarters in XXXX XXXX appear to have NO control, oversight, or desire to account for customer funds or respond to complaints or evidence of theft. 

I ask that when they ask for a 60 day extension that this bureau deny their request for more time to be incompetent and fraudulent.

Company response to consumer: Closed with explanation