vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Accelerated Creditors Services, Inc
State: ID

Complaint narrative:
I was XXXX and on my XXXX I visited XXXX and as a XXXX there is a co-pay paid up front of {$35.00}. This was paid and I received medical services. I went back to XXXX from my XXXX and XXXX sent out a billing that I did not receive since I was in XXXX. Upon my return in 2012, I ran my credit report and saw an XXXX bill and paid the {$70.00} on XXXX XXXX 2012 ... from XXXX XXXX XXXX XXXX : XXXX XXXX/ONLINE PMT/XXXX XXXX XXXX /WEBWhen I saw this still on my credit report I contacted XXXX XXXX XXXX , Director of Financial Operations , XXXX who in turn contacted XXXX and advised them to remove from my credit report, XXXX acknowledged that they would ... I followed up with XXXX XXXX year later since it was still showing on my credit report. XXXX stated it would be taken care of again.Currently it is on my credit report with XXXX under XXXX XXXX XXXX, XXXX. XXXX stated they called XXXX to have them remove immediately, yet XXXX is still showing as a collection and a balance due of {$70.00} with ACS and not XXXX.XXXX is not using due diligence and is ignoring both me and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I received XXXX services at a hospital in XX/XX/XXXX. Around XX/XX/XXXX, I discovered a collection account on my credit report from XXXX. I immediately contacted them, and we uncovered that the bill for services had been incorrectly sent to the hospital 's address, rather than my own. They reissued the bill for {$51.00} correctly and stated that the account would be withdrawn from collections and my credit report fixed. I then promptly paid the bill. Over the next several months through XX/XX/XXXX I repeatedly inquired from both creditor and collection agency why the collection account has not been closed and why my credit report had not been collected. Both parties assured me it was being would be taken care of, but over the course of six months it remained open and the untrue damaging information remained on my credit report. As I write this on XX/XX/XXXX, the open collections account is still on my credit report.

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 2016-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Performant Financial Corporation
State: TX

Complaint narrative:
I was given a student loan by XXXX XXXX. The school was a XXXX part institution. I completed the first session, but I never returned for the second session and never signed for the XXXX promissory note. Since, I was paying on the loan and had already disputed payment of the second loan. XXXX XXXX removed the second loan initially, but the school went out of business and changed their name. The new named school sought after me for payment of the second loan. I have disputed this issue time and time again to no avail. I have since started a debt forgiveness program with one of their creditors but I really feel like I do n't owe as much as they 're asking. They had me to contact the original lender which turned out to be a circle of phone calls to automated systems that landed me right back to the collection agency. I admit to owing the first loan and have been making payments for years. I need help with what I really owe and how to go about finding out how much that actually is. I asked the collection agency and they could only produce one promissory note, but told me that the loans were consolidated and that they could not seperate them. What can I do?

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 2016-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation
State: VA

Complaint narrative:
Over the past 12 days I have received 5 calls from Van Ru Collections at XXXX XXXX. They are calling my number because the purported debtor has the same first initial and last name as me, although the person they are trying to contact is a female, I am a male. Other than sharing the same initial and last name there is no reason to believe that person is at my number. Most calls were recordings, one was from a person. All went to voice mail. I have not called them back.

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 2016-01-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: GA

Complaint narrative:
Upon receiving a settlement the debt was paid in 2008 about. Once the bill was paid I decided not to use credit card and last year I received a bill for {$7700.00} from Unifund CCR , LLC. I have contacted them to let them know I did not accrued this bill they have taking me to court. I requested a copy of the purchased items I need to know if someone has used my name to make these purchases. I do not wish to pay someone else bill please help me clear our name. 
I do not own credit cards by choice since 2008 due to my family and I spending our time in the hospital with our youngest daughter receiving XXXX. 
I contacted the first company that sent us this bill Pilot Receivables Management , LLC they told us they no longer own this bill that I needed to contact Distresses and Asset Portfolio IV, LLC. I contacted them they no longer had the bill and that Unifund CCR , LLC had it I am so tired I need someone to look into this matter. 
We desperately need this forged bill to be taking care of. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 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: NV

Complaint narrative:
XXXX terms of contract were violated. I could not get XXXX to honor their end of the contract by providing me service in my home XXXX. Extremely fraudulent contractual obligation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Genesis Lending
State: CA

Complaint narrative:
I attended XXXX College from XXXX till XXXX. I was diagnosed with XXXX in XXXX XXXX and had to take XXXX months off for XXXX, I started back at XXXX college in XXXX XXXX. XXXX made me take a private loan out with Genesis in XXXX XXXX because they said I owed them. I was always on time with my payments. then XXXX XXXX, XXXX XXXX college who are owned by XXXX college just out of nowhere closed. I dont feel that I should pay the loan that XXXX made me take out with Genesis. I am a XXXX. I have no income and I was tricked into taking a loan out so XXXX can take more money. I am very upset and feel that my loan that heald used was a fraud and It needs to be cancelled cause heald just closed and left everyone hanging.

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 2015-12-30 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: PA

Complaint narrative:
credit history has hit because of wrong attempt to collect debt which is not mine. please help to remove this from credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JNR Adjustment Company, Inc
State: GA

Complaint narrative:
After disputing the validity of the debt on ( XXXX/XXXX/16 ). JNR Adjustment sent copies of documents with no proof that I contracted with anyone. See XXXX. Furthermore their is no proof that said company has been assigned this debt. I am contacting you presuit due to actions that violate FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 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:
There was an erroneous charge on my TD bank account ( amount charged was {$190.00} and should have been {$1.00} for a rental agency who did n't deliver what was promised ). I went in to TD to dispute the charge and was told once the dispute was resolve in my favor, I would receive all of my OD fees it caused due to the erroneous charge. I told them that until it was solved, I would not place another dollar in the account. It took them 4 months to resolve ( in my favor ) and they have since closed my account and are not awarding me the fees that were promised to me by the members of TD Bank. They have stated that I can not open another account with them. It took them well outside the timeframe to resolve my chargeback dispute and I also did n't receive the correct fees. I was informed by the manager that TD bank had dropped the ball but because my account was now closed, there was nothing that could be done. I am also looking for an attorney and contacting XXXX as well in regards to these shady practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I had set up an electronic payment for my target credit card bill. Target never submitted the payment to my bank. They sent me a notice that the account or routing number I had entered was incorrect or that the account did not exist. The account did exist and was in good standing. I contacted target in response to their letter saying that they could n't process the online payment. The representative I spoke to was unable to take my account or routing number and gave me XXXX pieces of misinformation ( documented in my letter to target attached here with ) I subsequently spoke to XXXX other representatives XXXX of whom said she was documenting my complaint. She failed to inform me that if I had a complaint it needed to be submitted in writing. I closed my account having paid for all merchandise. I did not pay the {$25.00} fee. I submitted a complaint in writing which was rejected saying that Target could not have prevented the error. 
I have never encountered an online payment system that would accept a incorrect routing or account number. If target system does accept incorrect numbers, it seems that it would be creating problems for many customers besides myself. It is difficult to enter XXXX numbers without occasionally making an error. Every other system that I have worked with has immediately rejected the information if there was an numerical error. Since Target closed my dispute they have been billing A late payment fee every month and some months they have also charged me interest. They also sent my account for collection and when I wrote to the collection agency to document the dispute I started receiving phone calls from another collection agency. Meanwhile my closed account was in XXXX billed at {$230.00} with a {$35.00} increase each month. 
There seems to be no way to stop the continued accumulation of fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I deposited a check on or around XX/XX/2016, at TD Bank , N.A . An extended hold was placed on the funds. I did not discover why a hold was placed on the funds until speaking with a branch representative on Monday. At that time, I was informed that the fraud department unilaterally decided on Monday to delay funds availability because of the " high incidence of fraud '' during the holiday season. I was not given a disclosure or made aware of this policy prior to depositing this check and I certainly was not given a disclosure 30 days prior to implementing this change as required by Regulation CC. 

The check was drawn on an account at XXXX. The check is from the XXXX of Massachusetts and it is for fuel assistance. I am a low-income individual, a single parent, and I need that money to be available to me. I have contacted TD numerous times and informed them that I believe this policy violates Regulation CC for several reasons and that failing to disclose this policy is unfair and deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I did a check deposit on XX/XX/XXXX in my checking account, I waited 24 hours meanwhile the check was pending for verification. On XX/XX/XXXX the bank gave back the check because had not funds. Also I reported this case to the police because it was a scam related with a supposed training for a new job. The money was sended to do two payments related with the new job duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Senex Services Corp.
State: MO

Complaint narrative:
The creditor Senex reported an unvalidated debt to the credit agencies. I sent them a dispute letter that included request for immediate removal of this and they responded by sending me a copy of a statement ( which for all I know could have been taken from a trashcan ), ignored sending proper validation that shows I specifically owe them, and simply reported to credit agencies that it is in dispute and it was NOT removed, which they are not allowed to do to begin with since it has never been validated. There is also a stamped note from Senex that says the account balance was adjusted to {$0.00}, how do I know the hospital did not write off as charity as they commonly do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 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: NY

Complaint narrative:
On XXXX/XXXX/2016 I was charged XXXX XXXX $ overdraft fees totaling XXXX $ for charges to my TD checking account. My available balance was XXXX $ and I had a XXXX $ pending charge in my account, which I had time to make a deposit to cover the extra XXXX $ which I did at XXXX on XXXX. I was unfairly charged XXXX $ for charges that were in fact covered because I had the available money in my account to cover them ( XXXX, XXXX & XXXX ) and after my balance was XXXX. TD bank has charged me 5 times the amount that my account was overdrawn for and I think its absolutely absurd! These banks are getting away with charging its customers for fees that are not right and its very upsetting. I am closing my account with TD bank and I will tell everyone I know not to ever bank with them, because they are crooks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau Services Association
State: AZ

Complaint narrative:
Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. On XXXX XXXX, XXXX creditor 's attorney responded claiming they had sent verification, and consumer responded on XXXX XXXX, XXXX stating that they had not received verifying documentation. It has now been over two months, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery Services is reporting and attempting to collect on a debt that is n't mine. They sent something that showed my signature forged. I 've never done business with this company and I need them to remove it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resolve Partners, LLC
State: NC

Complaint narrative:
I feel that I have not been treated fairly in this matter by XXXX XXXX XXXX, Resolve Partners, and XXXX. 

Please find attached a copy of the lease that appears to have been altered by management and or other personnel at the apartments. 

Please note that the collection agency or the creditor will probably refuse to show you the actual lease because the creditor altered the lease and have therefore incriminated themselves. 

Please note that the creditor has already sent a dossier regarding this case to the NC Department of Justice, and the NC Department of Justice has sent a copy of that dossier to me. 

If you look at the lease then you will see that the creditor simply changed the end date of the lease from XXXX/XXXX/2014 to XXXX/XXXX/2014 without my knowledge and approval. 

Please find attached pictures of what appears to be management and or other personnel at the apartments. 

After vacating said apartment, we hired an apartment cleaning service to clean said apartment, and we hired a carpet cleaning service to clean said carpet. 

After management and maintenance personnel from the apartments examined and approved the condition and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. 

It appears as though management and or other personnel employed by the apartments allegedly took the photographs. 

The pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments. 

Upon my denial of said accusations, management and or other personnel at the apartments ordered a collection agency, Resolve Partners, to collect payment from me for damaging said carpet and violating said lease. 

When I refused to pay the collector for damages by management and or other personnel at the apartments to said carpet and what I think was contract malpractice by management and or other personnel at the apartments, the collector referred me to XXXX, thereby damaging my credit rating. 

The collector accepted this account from the apartments with I think possibly no proof of wrong doing by me. 

The collector accepted this account from the apartments and referred this account to XXXX with no substantiated proof of wrong doing by me. 

Please intercede in my behalf to assist me in achieving a fair solution in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I made a wireless transaction through my checking account ( TD Bank ) on XXXX XXXX 2016. The money was not transferred to the recipient, it is 2 months since. There was an error in the account number but the bank name, branch, address and name were correct. TD bank has not been able to return the money back to my ( sender account ) or provide a resolution in a timely fashion. TD bank did not pursue this matter, and the only time they get in touch with me ( customer & initiator of wireless transaction ) is when I call or see them at the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I received a cashiers check for XXXX After depositing, I waited several days for it to clear. It cleared. I then spent the money. 2 days after my bank said it had cleared, it was returned, and now I am in serious debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I had a credit card with TD Bank, and set it up with autopay. I had the autopay removed so I could control my bill paying better. I was informed that the autopay had in fact been removed. In XXXX, I remitted the amount for my monthly statement. The same day TD bank took, the monthly statement amount, plus the amount for all current charges, which totaled XXXX. I contacted them, and they verified that the error was theirs, and that a refund would be issued with 5 to 10 business days. After phone calls on XXXX XXXX, and XXXX XXXX, I got the same response. As of XXXX XXXX, I do not have the XXXX refund, which they said would be another 5 to 10 business days. I want my money ... ... ...

Company response to consumer: Closed with monetary relief