vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
when my car was stolen, I reached out to my insurance company XXXX about the theft. after the police recovered my vehicle, XXXX would not allow me to repair my vehicle and claimed my vehicle to be total loss. when payment was to be issued for the amount of my vehicle, XXXX claimed that my title had an outstanding loan with Title Max. knowing that I have never took a loan out with Title Max I reached out he them about the inaccurate information. when I reached out to Title Max I spoke to a manger by the name of XXXX XXXX. he stated it showed in their system they paid a loan to my finace company for my car. I provided him documents that showed I paid my car off in full and his information was inaccurate. XXXX for title max then stated the loan had been written off in their system and they were no longer able to collect on the loan. I advised XXXX that the loan was fraudulent and that I have had I identity theft in the past and I sent all information certified mail to XXXX and title max showing my identity theft and giving them opportunity to prove if the loan was accurate. this loan was supposedly taken out in the same year as my id theft case. title max never responded to the identity theft package, but instead contacted XXXX to have the check sent over to them for my car. so instead of XXXX issuing the check for my stolen vehicle to me, my money was sent to title max because they claim the loan that was written off in their system could be reopened if paid off. even after proof was brought to both XXXX and Title Max that the loan was fraudulent Title Max still told XXXX to send them my money. I have a police report from XXXX county from 2014 when my id theft case was open, I have an id theft affidavit, a FTC complaint number for id theft, and a payment receipt when I aid my car off from my loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I called Penny Mac to make a payment and they informed me that my note had increased over {$500.00} and stated the reason as " city taxes increased ''. I contacted the XXXX County Appraisal District and discovered that the homestead exemption had not been applied. They applied it and notified Penny Mac. In addition, the tax office notified Penny Mac of the resolved issue and subsequent adjustment. Penny Mac has refused to adjust the amount of taxes. Penny Mac reps told me that they would not adjust the taxes because I am late with my payment. I questioned the reasoning to apply an additional {$500.00} in taxes that are not valid as a retaliation for late payment. I also was informed that if they did agree to adjust the amount at a later date after payments had been made that I would not see the return of that money until possibly the term of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: JNR Adjustment Company, Inc
State: CA

Complaint narrative:
I am a displaced XXXX XXXX student. I did not received accreditation for the program that I was enrolled in for the school closed before I could receive it. I attended XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX between the dates of XXXX 2014 and XXXX 2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My account was debited for a large amount by TD Bank with no explanation nor was I contacted. All that was said was " WITHDRAW endorsement XXXX TD Bank '' Why did TD Bank take my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was suffering a XXXX hardship since XX/XX/2016, but was able to somewhat maintain my bills. I began to fall behind when my condition got worst around XX/XX/XXXX. At that time I started to fall behind on my Target MasterCard credit card payments. Around XX/XX/XXXX I called target to ask for assistance regarding my bill and be placed on a hardship payment plan. During that time I was very XXXX. When I did get better I called to resume the payment plan. I was placed in one and began payments. Around the end of XX/XX/XXXX I was informed my card was closed which came as a shock to me because I was never informed of this decision. Since then I have n't been able to get a straight answer to why. I was told it 's because I was 60 days late. I went over the terms and conditions of this card and no where did it say my card would be closed after 60 days. I 've asked numerous times to be sent the letter they said I was sent informing me of the card closing and the terms and conditions I was told numerous times it was coming- today I received a package of prior statements in the mail, no terms and conditions and no letter. I 'm extremely XXXX. I also keep being reported to the credit agencies even though I 'm on a hardship program. Finally, I spoke with an account manager yesterday I was told I was actually 90 days late and that 's why my card was closed, this is the first time I 'm hearing this everyone has said I was 60 days late and my credit report says the card was closed for being 60 days late. I feel like I 'm fighting a big corporation and dealing with rude account specialist who are refusing to help me. I 'm still XXXX and the XXXX of this is weighing heavy on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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: GA

Complaint narrative:
I started school out of state in XXXX. I also attended school in state XXXX. I accumulated $ XXXX in student loans. I began paying on them XXXX XXXX. I received capitalization of a total of {$6000.00} bringing the amount owed from XXXX to {$30000.00}. Paying a total of $ XXXX month for XXXX loans, XXXX XXXX, the balance is still {$30000.00}. I call Great lakes ( they handle for the loans Dept of Education ) and they say im paying {$4.00} in interest/ day. So only about {$60.00} is going towards principle. 

Almost a year has passed and my loan is at the same balance. Something needs to be done about this student loan interest. I am on autopay so, 0.25 % of interest is supposed to be reduced, and im still paying $ XXXX day in interest. How am i supposed to pay my loan back if im getting {$150.00} a month in interest?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Live Well Financial, Inc.
State: PA

Complaint narrative:
I obtained a reverse mortgage from XXXX XXXX in XXXX XXXX. 
The mortgage was assigned to Livewell Financial ( 'Livewell ' ). In XX/XX/XXXX, I entered into an agreement with the City of XXXX, PA to pay my real estate taxes in equal monthly payments in accordance with the City 's real estate installment payment plan available to senior citizens. After I had paid over {$1000.00} in real estate taxes in accordance with my agreement with the City, Livewell refused to recognize the validity of my agreement with the City of XXXX, paid the balance owed, and demanded that I reimburse Livewell or be declared in default. I reimbursed Livewell for the taxes for XX/XX/XXXX, but Livewell rejected my payment, and declared that I was in default of the terms of the mortgage agreement. In XXXX, real estate taxes are not due until XXXX XXXX of the year taxes are due. 
If taxes are paid early, taxpayers receive a discount on the total due. 
After rejecting my reimbursement of the taxes paid for XX/XX/XXXX, In XXXX XXXX, Livewell paid my real estate taxes, one month before the taxes were due, in order to take advantage of the discount offered by the City, then in XXXX XXXX Livewell filed a mortgage foreclosure action against me, claiming that Ihad defaulted under the terms of the mortgage. 
Livewell repeated the same practice in XXXX - Livewell again paid the taxes one month in advance of the due date and again declared that I was in default under the terms of the mortgage. In an effort to avoid foreclosure, I obtained legal counsel and we have been attempting to work out a repayment plan with Livewell. To date, Livewell has refused to negotiate in good faith to settle this lawsuit. Livewell has rejected no less than XXXX repayment plans I have submitted over the past year, without making a reasonable repayment plan according to my income. I am a XXXX receiving social security and income from a part time job of approximately XXXX per month. 
My sister, XXXX, who is XXXX years old, lives with me, contributes to the household expenses and maintenance. She has an equitable interest in our home, she is my next of kin and under Pennsylvania law, my only heir. Livewell 's unethical, predatory practices have not only placed me in jeopardy of losing my home, it has jeopardized my sister 's right to inherit the property if I were to predecease her. I am requesting that the CFPB intervene to protect seniors such as myself and my sister from the predatory practices of Livewell Financial and other mortgage lenders and servicers like Livewell.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Consultants of California
State: CA

Complaint narrative:
COLLECTION CONSULTANTS is reporting inaccurate & erroneous information on my credit report. On XXXX XXXX, 2015 I disputed these accounts to all the XXXX major credit bureaus. I requested verification & validation of the debt based on the FDCPA & FCRA. Seeing these accounts had already been paid to the alleged company through my insurance I knew they would be removed immediately. However COLLECTION CONSULTANTS claiming they are accurate. I 've sent COLLECTION CONSULTANTS direct disputes requesting validation of the debt & they have refused to respond to my request. I would like these accounts removed immediately & monetary relief for reporting inaccurate information & not adhering the FDCPA & FCRA. Currently they 're reporting the inaccurate information on both XXXX & XXXX. Since each violation carries {$1000.00} fine, I would like {$4000.00} ( which is only half of what I could legally receive through a court hearing ) & the accounts removed from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: AL

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
Dear XXXX, I writing concerning this matter with this company I have explained the conditions of this account and made them aware of the detail concerning XXXX House Apartment a notice was given to the company in advance my rent was paid up in fuelled for the month that I live at XXXX House. I moved because the apartment was no long safe for me to live there. This company attempt to collect a debt that is not own to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
received XXXX bills in 2013, XXXX for {$70.00} and XXXX for {$44.00} I paid both and have XXXX check duplicates and statements to confirm, however according to the billing rep at XXXX clinic, the check amounts were applied to another bill that I never received and the XXXX bills that I had paid specifically were turned over to collection and that i had a credit due me. Now the billing agent says she will forward the balance due me to H & R collections which will leave me a balance of {$64.00}, I do not see how money paid on specific bills can just be used to pay an unbilled debt and the debts I specifically paid turned over to collection agency. who has been reporting them since XXXX of 2013. The continued re- reporting has affected my credit score negatively. Apparently it is the billing departments practice to apply monies where ever they choose to direct them. I directed her to have the collection agency call me directly to get the matter removed from my report, but am sure they will require me to pay the full amounts to resolve the them, I will re submit complaint if this the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending
State: CA

Complaint narrative:
I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. My school location was XXXX College, XXXX XXXX. I still receive letters from them.

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 2016-02-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
RPM has continued to harass me after i have asked them repeatedly to stop, the company bought a debt from another debt collector that is mine, the debt was fraudulent for an account i did not open, i advised the previous debt collection company off this and now this company, keeps trying to collect the debt i told them to stop calling and they have continued to call my house and harass me, the representatives have been nothing but rude, they have yelled at me they have hung up on me and have transferred me back and forth into circles.

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 2016-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Receivables Performance Management, LLC
State: CO

Complaint narrative:
Today on XXXX XXXX, 2016 I have received 3 phone calls from Receivables Performance Management. Every time I answer my phone, its dead air and they are not speaking. I call back and got disconnected on more than 6 times. I placed a cease and disease on my account to stop contact me because of the harassment number of phone calls in one given day. After I placed the cease and disease on the account I received another phone call from Receivables Performance Management.

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 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Checkr, Inc
State: FL

Complaint narrative:
This is a complaint pertaining to a background check completed by my employer. The company XXXX XXXX XXXX is reporting false information - none of the items listed belong to me. 
I contacted them for proof and they were unable to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Consultants of California
State: OH

Complaint narrative:
COLLECTION CONSULTANTS OF CALI have reported a medical bill from XXXX Hospital on my credit report that does not belong to me. This is a bill that my wife had obtained prior to our marriage, and even prior to me knowing who she was. Collection Consultants of Cali have now reported it to XXXX and XXXX as a joint account. This is not a joint account. I never signed as a cosigner or have ever even step foot in that hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Consultants of California
State: CA

Complaint narrative:
Collection Consultants is reporting a collection account on all XXXX credit bureaus illegally. I had a medical bill with a hospital. I had a payment plan with the hospital while I was investigating the charges. I had NEVER gotten a bill that I demanded. I do not believe I owe this. I disagree that I received some services or goods at the hospital. Neither did my insurance company. Nobody ( not the hospital or Collection Consultants ) has been able to provide to me an itemization of the total bill. When I questioned this the hospital sent the bill to Collection Consultants even though I was paying them. They just stopped sending bills then Collection Consultants sent me a letter demanding the payment in full. I called. I told them I was investigating the charges and that I needed them to send me a copy of their HIPPA compliant agreement with the hospital, a copy of their assignment, and an itemization of the bill including anything that I authorized. They never provided this information. They never validated the debt in accordance with the Fair Debt Collection Practices Act. I did pay them only because I did NOT want it to go on my credit and I was assured it would be removed. The representative said at the end of my XXXX payment plan it would be removed from my credit. This did not happen. They deceived me and did not validate it. They have XXXX things I have issue with. 1- I do not believe they followed HIPPA laws. 2- They have reported this to the bureaus when they did not have a legal right do so because they did not validate their legal right to when requested, 3- they used deceptive practices to collect the debt. They promised me it would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Continuous calls. Say searching for me. will contact family employers friends etc.to full extent of law. Do not identify debt. No paperwork or notification within 5 days. Of first call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Outsourcing, Inc.
State: MD

Complaint narrative:
I received a collections notice from Receivables Outsourcing, LLC for a bill that to my knowledge was paid by my insurance company. It threatens legal action ( a judgment ). I had tried to contact the company via phone, but no one answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
Alarm was installed XX/XX/2014 by XXXX. I was told that I could set my alarm from my smartphone, which is a Windows phone, however, after the installer was in my home past XXXX, trying to get the systems to work, I was very tired and noticed a few days later, that scratches were on my counter drawers. In addition, I was not able to set my alarm from my smartphone. I was told by the representative after calling, that the system would only work on an IPhone ( 3 days past of being able to refuse the service ). Moreover, the agreement was to take XXXX payments of {$33.00} ( XXXX & XXXX ) and start taking regular payments starting XXXX ( {$44.00} ). XXXX took out more than what was authorized by me. I initially made an {$81.00} ( check ) down payment that was part of the XXXX {$33.00} payments. XXXX withdrew several payments more than what was authorized. I spoke with XXXX in reference to this incident of the extra ACH ( s ) taken from my bank account. Those withdrawals were never refunded. I am being charged for the equipment, which I requested XXXX to uninstall and I am being charged for three years of service. Mind that the system was installed XXXX 2014. Moreover, after speaking to a XXXX rep in reference to ending the service, he inquired as to why. I stated that XXXX had not ethically represented their portion of the contract. They took more funds than what they were authorized and damaged my counters and the monitoring stopped. Because the system was not being monitored, my garage door came opened on several occasions ( system connected to my garage door ), causing items to be stolen, which I did not notice until I had to use something that was stored in my garage ( XXXX ft. ladder, bar stools ( XXXX ), and XXXX XXXX products and other small items. I am a widowed part-time employee and senior citizen and can not afford to pay for products that do not operate properly. Moreover, XXXX took funds that were not authorized, which is unethical. 
I do not have access on my computer to forward documents, however, I can forward copies of paper documents and I can forward an email of the conversation that took place on the initial day/date that the XXXX representative came to my home.

Company response to consumer: Closed