vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
RECEIVABLE PERFORMANCE/XXXX has consistently troubled me over a debt of {$960.00} that I do not owe or have any prior knowledge of, as I 've never had any contract communications account with XXXX before. Their deliberate infusion of this account on my credit profile is impeding on my ability to currently obtain any credit. 

Receivable Performance must delete it from my credit report with deliberate speed. 

Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Genesis Lending
State: AK

Complaint narrative:
I was enrolled at wyotech in XXXX Florida for school. I was told that I had no choice but toGet this loan from genesis lending for my XXXX academic year, I had to get this personal loan for {$5000.00} to be able to finish my school. The XXXX advisor never explained this when I started my first academic year, anyway I was also told that hey would find job placement as soon as I got out of school, and they did not do anything to help me, I have had financial hardship since I have been out of a school and could only find a job that pays me XXXX an hour. My loans are to high and genesis will not work with me and the interest is 12.9 % and each Month they charge me an additional XXXX late fee. Everything I was told has been false regarding the loans and interest, as well as the job market, there are no jobs that are paying XXXX to XXXX an hour! I have had extreme hardship trying to pay this debt to my fed loans as well as genesis. My genesis loan is still at XXXX 3 years and it only shows XXXX paid!

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 2015-08-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: AL

Complaint narrative:
I called XXXX when I first got this bill. I was charged an amount for collect calls that was different than advertised. On the phone my son called me collect from was a sticker that said {$1.00} for XXXX or XXXX mins? but ended up being {$23.00} per XXXX minutes. I would have never accepted a collect call at {$23.00} for XXXX mins. So XXXX said we would dispute it, immediately closed that account and opened me a new XXXX. Giving me my same # XXXX XXXX told me I would only be responsible for what I owed them ( XXXX ) for my regular phone service. Then I get contacted by collections for the whole amount. I tell them the agreement and a lady at Receivables Performance agrees to the terms also. Later I apply for a loan for a car and find that on the day of XXXX XXXX 2015 when I made an agreement with RP to pay what I owed XXXX XXXX XXXX ( minus the collect call charges ) @ {$25.00} a month they then put it on my credit report. I recall being told that by paying $ XXXX/mo. would not only get my bill paid, but would keep it from going on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I contacted Titlemax of Texas d/b/a Titlemax to obtain an auto title loan on my XX/XX/XXXX chevrolet silverado XXXX L/S pickup for the sole purpose of paying off a title loan from another auto title loan business and used to proceeds of that loan to pay off existing financial obligations. The representative at Titlemax approved me for more than I needed telling me that the interest rate and monthly finance payment to refinance the loan were cheaper. So I proceeded to take out the loan, unknown to me at the time I had to pay the entire loan back within the next 30 days or pay the refinance fee plus daily interest and late fees if the payment was made within 10 days past due. ( FALSE ) Titlemax started charging me daily interest on the interest the loan accrued after the payment due date, resulting in a higher payment to refinance the loan. I asked Titlemax if I could pay the loan back in installments to pay the loan off, they refused. I asked Titlemax if they accepted partial payments on the loan again they refused. I asked Titlemax what were my options, they stated pay the refinance fee plus the daily interest and late fees on the loan or pay the entire balance of the loan plus daily interest and late fees or have another title loan business pay the loan off or surrender my vehicle .Titlemax of Texas is charging me interest upon interest on a loan they know I ca n't pay back in 30 days due to the fact I am XXXX and on social security. This action is in violation of the TEXAS USERY LAW. Neverless to seek a resolution to this situation I unwillingly surrendered my pickup to Titlemax of Texas to relieve the burden of the phone calls requesting payment of the loan. When I surrendered my pickup to Titlemax they requested me to sign an agreement with them allowing them to dispose of my pickup without notiftying me of the date and time of the sale. I now have 14 days from XX/XX/XXXX to pay the loan balance plus daily interest, plus late fees plus the refinance fee and daily interest or they will proceed to dispose of my pickup without notifying me of the date and time of sale. PLEASE HELP ME!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 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: NH

Complaint narrative:
i am having an issue with @ TDBANK_US allowing charges to go through on a debit/charge card on a weekly basis. i have spent hundreds of dollars monthly on over draft fees, i am a small business owner with very little income and struggle to balance maintaining clients as well as finances. @ TDBANK_US allows charges to go through on debit cards when there is not money in the account. they end up hitting me with over drafts and it ends up snow balling the problem with more over drafts. i have spook with my local branch manager and he told me that there is no protection for business owners only consumers. in the past two years i have paid in on over drafts approximately {$2500.00} in over drafts which i cant afford. i think something should be done with this and stop @ TDBANK_US from charging cards that have no funds on them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES
State: UT

Complaint narrative:
My student loans used to be managed by XXXX before being transferred to Great Lakes upon relocation. XXXX mismanaged my student loans and Great Lakes has done the same when they took over. My student loans should be forgiven as a result. I do n't think the loan balance and interest is correct and it has caused hardship to me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: GREAT LAKES
State: FL

Complaint narrative:
I am a reference for my god daughter. Great Lakes 1st called and tried to get information about her because of an " emergency ''. Now I have a letter that offers me condolences because they have information that she died. These are obscene methods to collect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: MO

Complaint narrative:
I took this note out XXXX 2013 in the amount of {$1300.00} to help my son out. As of today I have paid in {$6800.00} with a balance of {$770.00} remaining. I was told this was a two year note and as you can see it has been 29 months. I was also told that my due date had been changed to the XXXX of each month only to find out yesterday that it was not moved but I have been receiving late fees each day I am past the XXXX of the month. I have requested a copy of my contract from TitleMax and hope to have by the end of this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
TD Bank put a hold on my debit card because they said I was not in state where acct was opened. Had to call them then they said it can take up to XXXX for card to start working again. Lady at TD Bank said I needed to call them every time I would leave the state, like they were my travel agent or probation officer and not my bank. The bank dis n't call me to verify transactions or anything they just turn off my card which is illegal to do with out contacting me XXXX. I want bank fined to the maximum extent of the law for each violation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I had a Nordstrom credit card which charged off in XX/XX/XXXX with a balance of {$920.00} when I was having financial difficulties. I recently tried to call and settle the balance, but they refused and said the debt had been cancelled/written off. I then received a XXXX and had to include the {$920.00} as income on my XX/XX/XXXX tax return. However, the account is still showing on my credit report with a {$920.00} balance and reporting each month that it is delinquent. I called Nordstrom to try to resolve this balance, and they would not accept any payments, nor will they update the balance to {$0.00}, which means I essentially can do nothing to satisfy this account. The account is reporting delinquent EACH month on my credit report. Therefore, my credit score will be negatively affected until the account expires, which is wrong and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Senex Services Corp.
State: NJ

Complaint narrative:
At the time I was married and under XXXX XXXX. The XXXX balances under XXXX XXXX should have been paid by XXXX XXXX health insurance in which I was under at the time. i do not understand why they have this on my credit report. i do not owe this money to them, they should have been paid in full with his health insurance. The hospital has this information in file since I had XXXX surgeries XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX at that facility!

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

Complaint narrative:
In XXXX XXXX i make deposit in my acount TD Bank transaction {$100.00}, {$100.00}, {$110.00}, {$60.00} total $ XXXX, 2016 time XXXX balance was {$360.00} TD Bank overcharge XXXX XXXX XXXX XXXX 2016 and XXXX XXXX 2016 no explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XXXX I obtained a TD Bank Credit Card. I always kept the card paid in full monthly. In XXXX I decided to cancel the card. I called TD bank and informed them I was canceling the card. TD Bank gave me the balance and I paid it in full then cancelled the card. For three years I received no statements or any other communication from TD Bank. In XXXX XXXX I received a letter from TD Bank informing me I owed {$290.00}. Having no business with TD Bank I suspected I was a victim of some sought of identity theft. I called the number on the letter. I was placed on hold for long periods of time, transferred several times then disconnected after about an hour. I attempted several more times to address the issue with TD Bank through the number on the letter always with the say result of hours wasted only to be disconnected. I sent TD Bank an E-mail and was informed by them that they could not address the issue by email and I should call the number on the letter. I informed TD Bank that I had made three attempts calling their number and had lost faith in using it. Several weeks later I received a phone call from someone claiming to be a TD Bank representative who was asking for all my personal information over the telephone, Social Security Number, Address, Birthday, Mothers maiden name, etc. Not knowing who I was speaking with I was reluctant to give my information out. Finally after giving up my birthday I was able to get some information. As it turned out when I cancelled the card TD Bank did not give the proper payoff amount and, unknown to me TD Bank left XXXX dollars on the account and left the account open. The woman I was speaking with informed me that the {$290.00} was interest the Bank was charging on the XXXX dollars they had left on the account. To me this is nothing less thee Credit Card Fraud conducted by the TD Bank. I question how many others were subject to this tactic and just paid it? TD Banks dishonesty has caused me damage as I depend on my good credit to maintain my Florida 's contractors license. I continue to receive letters, outrageous interest changes and damage to my good credit while TD Bank continues this extortion tactic. I hope you can help me and possibly the other consumers who have been scammed by TD Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was a victim of identity theft. Someone tried to apply for an Target card in my name. When I noticed the inquiry on my credit file I notified Target thru certified mail of this discrepancy. They ignored my request. It has been over 30 days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Target.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TD Bank was the lender for an auto loan that I paid off a few years ago. I have had an extremely difficult time getting them to respond to my letters. TD Bank is reporting to the credit bureaus that my loan was 30 days late on XX/XX/2014 This is NOT accurate information. All of my payments were on time as I had the loan set up through my bank to automatically send payments via electronic transfer each month. I was a very good customer to TD Bank and do not understand why they would not want to correct their mistake. My payment was never 30 days past due. I have filed a complaint with both the XXXX & XXXX Attorney General offices as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
The creditor TD Bank USA/Target Credit is reporting an incorrect first delinquency date on my XXXX report. This account has aged off on both of my XXXX and XXXX reports. I have tried disputing it a few time through XXXX but the account keeps returning that the information was verified and belongs to me. I have also spoke with reps from XXXX dispute department trying to explain to them that the account is reporting the wrong date and should of aged off my credit report. The only feedback I get from them is to contact the creditor direct. So I called TD Bank/Target today and spoke with a rep from their corporate headquarters that deals with credit accounts. She advised me that this account no longer has any history with their department and to dispute it. I stated to her that I have disputed the account a few times and that someone in her company is verifying the information as being correct. Then I requested if I could have her send me a letter stating that the account no longer has history, so I could use it to submit to XXXX, ; she refused. Then I asked her how is it that you are claiming there is no history available on this account but yet some how its being verified. She could not answer the question. So I politely asked if I could speak to a supervisor that deals with the credit agency disputes and she got nasty and told me she must release this phone call and good luck. 
By Law this account should of aged off after 7 years of reporting and it has n't due to TD Bank/Target reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank keeps reporting me for the past 2 years as a open balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have XXXX with a XXXX to 5 years. I called Target Red Card services to lower my interest rate so I can get the balance paid off. I am no longer working and can only make minimum payments. I was told that I do not qualify to lower my interest rate even though I have a perfect record of on time payments. Further your customer service representative insulted me today on XXXX XXXX, 2016. I told her that no one can pay the balance should I pass away before it is paid and she said " that is okay ''. I do n't want my family to be asked by the creditors to pay my debt, it is my responsibility. So it is not OKAY that I pass away and still owe you money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: TMX Finance LLC
State: NV

Complaint narrative:
Title Max has called me before XXXX on XXXX separate occasions. I spoke with them to let them know that they were not suppose to contact me before XXXX or after XXXX. But they still did it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Stopped payment from checking account on XXXX XXXX, 2016. TD Bank went ahead and accepted payment on XXXX XXXX, 2016. When payment was returned they charged me a {$35.00} overdraft fee. When I objected to this fee they refunded the fee because they were in error. Now they are trying to slip by another fee, a maintenance fee, because when they processed the stopped payment the account also went below the monthly minimum balance. I object to this scam as it is clearly a way to extract additional fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Renton Collections Inc.
State: WA

Complaint narrative:
SOMEONE FROM RENTON COLLECTIONS CALLED ME AT WORK, AND USED LANGUAGE THAT WAS MOCKING AND DEGRADING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES
State: IL

Complaint narrative:
I have a complaint regarding my education with XXXX XXXX XXXX. I enrolled in XXXX XX/XX/2014 in the XXXX course which is the longest and covers everything with XXXX. I have completed all of my prior classes until XXXX told me that they will no longer be able to cover my financial aid and that if I wanted to continue my education with them I 'd have to pay out of pocket with my own money. At the end of the last course XXXX XXXX XXXX XXXX XXXX I was told by counselor/admission advisor XXXX XXXX at the end of the course that the school made some kind of mistake and that FAFSA was not covering my financial aid and that she was suppose to notify about this issue at the beginning of the course not at the end. Then I was forced to pay cash out of the pocket. During the course I got discharged from my job and I wasnt able to afford payments these high each class is almost XXXX dollars and she told me that I have to pay this amount in 6 weeks. 

And if I wanted to continue the rest of the classes I would have to pay my own cash for the class and books. As of now I completed half of the XXXX education course and still have a little bit more than half left ( which is about halfway done ). So I because the fact that they couldnt cover my financial aid with schooling I was forced to wait a couple months until the issue was resolved. During this time nothing happened and they werent able to help me out financially, a couple months later I called back to see if their was any good news, unfortunately I was told that they did not know when they get financial aid back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
I have been using a Target Red card for over XXXX years. When I XXXX obtained the card I was given a {$700.00} credit line due to new credit and limited income as I was in school. In 2012 I reported to target my income had increased well into the XXXX figures and I have established credit and had a FICO credit score above XXXX. They refused to increase my credit line at that time. They have refused to increase my credit line from then and still continue to refuse to increase the limit despite a credit score of above XXXX and an income of {$140000.00}. I believe this is due to my name being XXXX.

Company response to consumer: Closed with explanation