vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I was not aware that I had an outstanding debt because the medical facility sent the bill to the wrong address. Eventually, I was contacted by a collections agency about this oustanding debt I knew nothing about. Apparently, after several failed attempts to contact me via mail ( because they had the wrong address ), the medical facility sold the debt to a collections agency, who then contacted me by phone. I provided the collections agency with the correct address and they agreed to send me some information about the bill. I never did receive anything in the mail, but have since noticed a derogatory mark on my credit. I have yet to see any notification or documentation about my outstanding debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
This is a response to my case # XXXX. I do get the decision on cashing a third party check. I was hoping the bank could make a more humanized choice but they have policies that I get. I do however have a huge problem in US Bankcorps response which was not accurate what so ever. They stated I attempted to deposit my check at XXXX branch ... NOT TRUE It was XXXX as in my claim. They stated after the check was returned I took it to XXXX branch and bank staff refued. That is a total LIE. that never happened I have never been to that branch. Lets get this right. I went to the XXXX branch to see if the check was real..like I stated in my complait. The teller took a copy and was to phone me back, which after three days of no response I then deposited it in my ATM. In banks response it says management informed me not to deposit.NOT TRUE. I was the one after the check was returned to call the supervisor who I had to call 3 times before my call was returned. She then told me about not being able to cash a third party check. I want acknowledgement from the bank it is their duty to get the story straight and not make I seem I deposited the check after being told not to. The part about me take the check to XXXX branch or any branch to cash is a lie. This response makes me sound like a person who is not reputable, so US BANK COPRS get your story straight before sending back totally inaccurate stories.

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 2015-06-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: AK

Complaint narrative:
I have a car loan with Prestige Financial. They are a predatory lender and I believe they have been involved with criminal activity by defrauding me for the past XXXX years while I was making my loan payments. For XXXX years I have paid my loan and not XXXX has went to the principle. They have charged me so many fees that its impossible to pay off the loan. I have stopped making my payments and informed them that all communication will be done in writing which they do n't want to do. I will not talk to them on the phone because they lie and like to twist the truth so I want all communication to be done in writing so i have a record of what is said, which they do n't want at all. I told them I want to go to court to let a judge decide what is fair. They have called and continue to call my family, friends and my Jb. My job has let me know that they are harassing them and calling them numerous times a day. I have been in contact with prestige and demanded them to stop contacting my employer but they still do n't, and they keep calling them to strong arm me into a solution to benefit only them like the XXXX would do or a criminal organization. This is a strong arm attempt trying to force something on to me which I believe is illegal and not fair. I have explained to them that they can contact me any time by email, text or mail. They send them threating text 's all the time and I told them to file court papers because I am ready to go to court. They have also called my son and told him they will have him arrested which is completely against the law and they are lying to him to scare him. Because they are a predatory lender they do n't want to go to court and face a judge they just want to continue to harass me when I have made it clear I want to go to court. I believe they are in violation of the law to continue to contact my employer which could get me to lose my job and to harass my friends and family when they can get a hold of me, but they choose not to do it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 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: PA

Complaint narrative:
In XX/XX/1997, I graduated with my student loan debt being XXXX. I recall correctly, I consolidated from both my community college and XXXX year college to accumulate that amount. At the time, the interest rates were near XXXX %. I was never able to re-consolidate again to lower the rate, I was told. I paid it faithfully. Then, I married and started a family, in which I ended up staying home to raise. I chose that because I was a XXXX school teacher and did not get paid enough to afford day care. My husband was in a union apprenticeship that happen to come with some really bad times. In turn, I had to defer my loan numerous years because we could not afford to pay it. We, at times, were on state assistance too. Because of the deferment, now the loan has gotten so high that I can not afford to even pay the interest. I do not know how to handle this. I am back to work, but only make XXXX a year as a XXXX school teacher, and my loan has accurred so much interest that I can not even afford to pay it. It 's very upsetting to me that when you file an financial hardship, the interest still accures, how does that help. I have accured more interest than the amount of the loan. Something has to be done with student loans in this country. It 's not like I just ignored the payments. I contact Great Lakes, for help and they just consistently told me to defer it because of my financial situation. Now, look where it 's gotten me! I am so irritated. XXXX years later, no help from Great Lakes when I needed it and now a loan almost 3 times the amount I borrowed. I have no idea how to handle this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Senex Services Corp.
State: OH

Complaint narrative:
Senex Services Corp. has merged mine and my husband accounts. They transferred my husbands bills into my name. I have made several attempts for this to be corrected. I have XXXX accounts with them that I had a payment plan setup. They have cancelled my payment plan an refuse to take my payments or set it back up. The also refuse to unmerge mine and my husband accounts. Which in Ohio I am only responsible if ". Ohio has established clear liability for the medical debts of a debtor spouse when the debtor spouse is unable to pay the debt, to the extent that the other spouse is able. '' My husband is able to pay his own debt. We have separate accounts with both work. I told Senex my husband will be filing bankruptcy and I was told they would still sue me and come after me. They have refused to speak to me hung up on me and falsely released this to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY
State: AR

Complaint narrative:
I financed a car years ago from Chrysler Credit Motor, the car was repossessed and was sold for more than what I owed on the car. It shows on y credit report loan was paid off. Now years later when I filed my income taxes they are withholding my refund stating it was for payment of the sales tax that was owed on the repossessed car. I do not understand how this is possible because I would not have been able to tag and register the car if the sales tax was not paid or why it has not came up in the past years since the car was repossessed..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Target is reporting a status of Charge Off to Experian which is incorrect. I have been attempting to resolve this issue for almost for years. This account was legally discharged through a bankruptcy, this account was never charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
I Went To Pay On My Loan That I Borrowed From instaloan On XXXX/XXXX/2016 For My Car, When I Got Done Making A Payment On My Car The Vocher They Gave Me Said My Next Payment Would Be {$71.00} And The Balance Would Be {$870.00} But When I Went To Make That Payment On XXXX/XXXX/2016 They Said That Was Wrong And That My Balance Is {$960.00} And My Payment Is {$170.00} So I Think The Are Using Me To Get More Money Out Of Me, And I 'm Sure I 'm Not The Only XXXX They Doing This Too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Target credit card change my billing to electronic from paper bills without my permission. Received a late notice for {$70.00} bill I did not received. Called them to find out what had occurred, CSR was rude could not tell me where my bill was being sent and would not reverse late charge. The larger issue here is my credit score ; I have never made a late payment to Target or anyone else! They have caused a massive data breech recently I would expect them to be more helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I have reported fraudulent activity and a case of stolen identity to these financial institutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have been asked to send a letter disputing a charge from XXXX FL for {$33.00} on XXXX/XXXX/2015. I did not authorize this transaction or signed any receipts. I can say I was at such place and have been there before but this transaction was not made by me. I put my card down for purchases but did not purchase anything. Please credit account ASAP. 
A concern I have is that I was never notified of denial of dispute. If I would not called today then this dispute would have never been resolved. I was told the reason it was denied it was because " I did not provide any documentation ''. Also I never received any paperwork in the mail. Well there is nothing to provide since I did not sign any receipts. You guys ca n't just go around denying customers claims and thinking nobody will call back and in this particular case deny it on a basis that it needs documentation from me. What happens if the customer does not have any documents you just deny the claim it sounds wrong!!! Somebody is not doing his or her job correctly and this needs further investigation. How about calling the merchant and asking them for signed receipts!!! Why do n't you do that? I did not do any pin confirmation either. Talk to the person who did the dispute and I think this is the person that needs to be looked at. I do n't ' think this person is doing his/her job properly. Maybe is time to let this person go because is causing customers accounts to be closed. 
I want my credit on my account. If I do n't get a credit I will close it and further complaint to the XXXX, FTC, and CFPB and let them investigate your practices and maybe they will find out you are not following proper rules. I will raise hell if I believe you are not handling my account correctly. I will make sure somebody is accountable. You are messing with the wrong person when it comes to my account. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
have a personal loan with TD Bank terms are five yrs I can not get a print out of my payments have extreme difficulty when I request it told since it is an automatic deduction each month there is no print out for me to see. Absurd I willnot go paperless there is enough identity theft as is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I had an account at this bank and my friend deposited money into my account to help me out because I am on XXXX, he deposited {$5000.00} into my account for me give it to someone else for him, but when I went to withdraw the money I was asked where did you get {$5000.00} from, but I did not respond to her because it was not her business and I should not have been asked the question, the money that was left in the account was from my XXXX benefits and the money my friend gave me which was {$700.00} and since they put a hold on my account my bills for this month was not paid and when I asked for my money I was told it was not mine and she actually called me a thief, she said I stole the money from someone and it was not mine the money belongs to the person I took it from but she could not tell me who I took the money from, so now I am asking for your help in how to get my money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I believe I am being asked for irrelevant information from my bank when I applied for a {$25000.00} loan for a {$75000.00} property. This has been three weeks of asking for sometimes duplicate information or impossible information. For example, my mailing address is different from my street address and they need 'proof ' of that. I told them it is a gated community and EVERYONE has a box within the community mailroom but they 're insisting that my mailing address is actually a property. I have no proof but that ca n't possibly be a unique situation. I also have a annuity that they 're asking for a three year continuance award letter. There is n't any because I could simply take it all out one day ; it 's an annuity. No guarantees. I do n't know if they do n't know what they 're doing, but every day they 're asking for some other 'proof ' of something. I signed a form to give them permission to get a copy of my tax records three weeks ago and yesterday they just asked me for a copy of my tax returns for XXXX and XXXX. It just goes on and on. They should have given me a list of what they needed, but instead, different people contact me for different things. We have an excellent credit record and assets to more than cover the loan, I feel as if I 'm being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TMX Finance LLC
State: TX

Complaint narrative:
Debt collector coming to my house over stepping thier boundaries, excessive calls and voicemails from XXXX to around XXXX or XXXX. all the options to satfiy the loan was told to creditor and still calling and showing up at my place of resident to collect debt. Unfair business practices involving the Truth and Lending Act. Also steady changing the terms condition of the loan itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: RevSolve, Inc.
State: AZ

Complaint narrative:
This account had originally been around {$4000.00} (? ). My husband had been helping with this payment for while at an agreed upon {$150.00} every month. He then stopped helping me and we do not share an account so I do not have access to any money other than what I receive from XXXX ; which is n't enough to pay my bills. I have not been able to work since XXXX 2011 due to multiple debilitating health issues including XXXX. I tried to explain this situation to the hospital via phone and in writing. I continued to make payments albeit not every month, but I told them I could pay a much smaller amount then the {$150.00}. I expressed that I was concerned about the situation and that I wanted to pay it off so they could receive what was owed and I could protect my credit. After my last note to them I never heard anything for months. I was n't sure what was going on and I suppose I optimistically and foolishly hoped that perhaps they wrote the account off since at least XXXX had been paid and also due to the difficulty of my situation. I had testing done the other day at the hospital and while scheduling this over the phone this was mentioned. I attempted to explain the situation again and was told I could set up plans to make a new payment plan. Instead, I found out through XXXX XXXX that I had been turned over to collections. I do n't really fair this was fair as I was trying to work with them, but could n't afford to pay what they wanted to my financial, marital, and health situation. I did not see any notice indicating I was being turned over to collections. and this was going on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 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: OK

Complaint narrative:
I cancelled my XXXX service after 30 days due to non performance and numerous service calls. I have NO signed contract either ohysical or electrnic with them. They firgot that oart and I signed up by phone. I requested several times they pick up their equipment and they have ignored these requests. They have placed it for collection. An " early termination fee of {$400.00} and non return of equipment {$90.00}. I have NO contract to terminate " early '' This is merely a greedy attempt to get money for a service that was cancelled because they did not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA

Complaint narrative:
mycampuspartners has implemented a new " convenience fee '' if you wish to pay directly your checking or savings account. There was always a fee for paying with debit/credit card, but now there is also a fee for direct withdraws from your account. The only way to avoid this is to mail in a check, which, in 2016, is a bit ridiculous. This is a pure money grab as they do not incur fees for direct ACH deposits with withdraws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
First of all, there was a valid collections account that I settled with XXXX/collections in XXXX of XXXX. It has been on my credit report as settled ever since then, with commensurate effect on credit status all of this time. In my attempt to rebuild my credit profile since that event, I have checked on my credit report religiously every month, sometimes as many times as twice a month. I recently checked my XXXX credit report via XXXX in XXXX of XXXX and all was ok. 
This morning, XXXX XXXX, XXXX, I checked my XXXX account and find that this same collection agency I settled the owed amount with back in XXXX of XXXX, is reporting me as having an OPEN collections account with them. They do not however, provide an account number. Suffice it to say that I have not, out of principle, started any cellphone business with XXXX since that phone issue was resolved in XXXX XXXX ( settled debt ), so there would be no reason for another account number. I also have not co-signed for anyone on anything - ever. So, I am at a loss. 
Understandably, I have just submitted a dispute with XXXX to that effect. 
My desire to file a complaint with the CFPB stems from the wanton abuse of Receivables Performance Management 's apparent ability to place a blemish on one 's credit report, creating an unnecessary snowball of a process I must now take to clear my name, all the while driving down my FICO credit score in the interim. It bears worth mentioning that I am in the middle of a refinance transaction and the effect of this irresponsible opening of an erroneous collections account report by this company could complicate the process.

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