vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Inconsistent communications Long telephone wait times Long or no responses to inquires Erroneous system documentation of caller issues Improper responses to inquiries Non-response to inquiries as promised by supervisors ( i.e. XXXX on XXXX/XXXX/15 ) Improper handling of request for assistance regarding forgotten account passcode Non communication of fraud alert placed on my account/not allowing me to address this concern via telephone due to forgotten/misplaced passcodeAccess to bank card services representatives has been restricted for over 30 days due to forgotten passcode. Card purchases have been denied and I have been unable to communicate via telephone to card services regarding any activities on my account because I can not provide the passcode. 

On XXXX XXXX, 2015, I communicated to TD Card Services that I could not remember my passcode. During this conversation I was informed that unless I provided the passcode I could not speak to a representative about the account. Upon request I was transferred to a supervisor who provided the documentation required to request the removal of the passcode from my account. Fax to XXXX XXXX XXXX XXXX on XXXX XXXX, 2015, provided photo ID and two mailings with my address to confirm my identity as stated by supervisor XXXX s ) of TD Card Services. In follow-up to fax submission, I spoke with XXXX, around XXXX XXXX XXXX, who stated that she would follow up with me by calling on or before Wednesday, XXXX XXXX, 2015. 

I did not receive a call from XXXX on XXXX XXXX, 2015, and when I contacted card services, today, I was informed by XXXX, floor supervisor that ( 1 ) systems reflects I called on XXXX/XXXX/15 and ( 2 ) proof of address was required because the system ( XXXX ) reflects that I had not received correspondences. In informed XXXX that ( 1 ) I had not contacted the card services/bank on XXXX/XXXX/15, and ( 2 ) proof of address was sent in a correspondence/fax on XXXX/XXXX/15. Additionally the matter is " forgotten passcode '' and the issue of not receiving correspondences from TD Bank is moot because one of the mailings to prove identity was from TD Bank, and not the reason for contacting the bank on XXXX/XXXX/15. 

I have been unable to use my credit card for over two-weeks and there are charges appearing on my account, which I can view online, that are questionable but I am unable to speak with a representative about this concern because I forgot my passcode. 

Card services appears to be inefficiently managed with representatives miscommunicating, either not understanding the reason for contact or mis-documenting the reason for contact in the systems. Correspondence sent via fax has not be addressed as of this date, over 48 hours after contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES
State: TX

Complaint narrative:
I am trying my hardest to keep this XXXX loan account and not behind - I make payments monthly, unable to always make the full payment as I am also making payments on my other private loan accounts. XXXX is telling me there is NOTHING - NOT ANYTHING they can do to help me out at all with lowering these monthly payments. I have called XXXX of times and spoken to nearly every department and explained my situation and have gotten nowhere. I am told over and over again that because it is a private loan, they ca n't do anything about it. 

From my understanding, XXXX XXXX XXXX actually owns the loan and XXXX is the organization managing it. The loan information all comes from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tebo Financial Services, Inc.
State: NY

Complaint narrative:
Previous Case Number XXXX I was told in the above mentioned case in XX/XX/2016 that this information would be deleted from my credit files and it remains. I have contacted XXXX with the AUD number and they still tell me there was never a request made to delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I had applied for Target credit card. I had a hard credit hit on my credit report, but I received a mail from Target saying that ' they had to stop processing my application because they could n't verify my identity '. This is not acceptable as they could pull my credit report and not able to verify my identity. This happened twice. I had XXXX hard credit inquiries and no positive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I did not know the category to select, but this seems to be the best fit. I do not owe anything and I constantly get calls from XXXX XXXX XXXX XXXX. They do n't want to tell me the company name and thick accept that it is difficult to understand what they are saying. The call very often. They are very persistent. If you call back they know who is calling ( your name ). 
I think I controlled the situation by calling them back multiple times back to back. XXXX reports this number as a fraudulent collection agency.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
About a year ago and a half i surrended voluntarily a car to First Bank of Puerto Rico inability to pay because I was in a lawsuit contesting paternity of a child under age XXXX it was discovered that was not my legal son and I had very many legal expenses, after having delivered the car to First Bank they sent me a letter charging me {$4.00} dollars because they sold the car at auction and what lost me were charging. 

A year and three months later the FB entered my checking account and they seized {$1.00} dollars without my autorization authorizing themselves without notifying me anything. At the time I thought it was fraud and when I went to the bank said it was time to hand over the car and that 's why they themselves appropriated money. 

First I have never authorized anyone to retire money from my account and there is also no statement yet against me where it is ordered seize money from my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: E*TRADE BANK
State: IL

Complaint narrative:
Dear Sir or Madam : In a late response to my earlier CFPB claim ( XXXX ), E*TRADE 's corrected their false statement of the existence of proprietary evidence to : " E*TRADE reviewed this matter further and confirmed that there were, in fact, no documents available to provide in response to your request. '' Over the phone, an E*TRADE associate admitted that while they had no direct evidence showing that these transactions were legitimate and could in fact be fraudulent, but they would still deny the claim. This is in direct violation of a Regulation E of the Electronics Funds Act. 

On top of that, the disclosure and decisioning period of my case was over 30 days from initial claim to decision. Requests for documentation relied upon E*TRADE to review my dispute were subsequently denied. 

E*Trades only defense in this whole manner is that I have " recently submitted a similar dispute ''. This is to imply that it is impossible for fraud to happen to me twice. 

In retaliation for filing the CFPB complaint and my persistence in following up with the CFPB case, E*TRADE closed my account on XXXX XXXX denying me access to a majority of my liquid assets during the long holiday weekend. This was a major inconvenience and resulted in several fees and missed payments. 

In summary, E*trade failed to provide documentation in a timely manner, has admitted in writing that there was no evidence used to deny my unauthorized transaction claim and thus violated Regulation E and in retaliation closed all my bank accounts. 

I request that that the CFPB subpoena all records related to this case including phone conversations, evidence used in decisioning, case management system notes, and emails. I would also like the CFPB to audit the E*TRADE 's Reg E processes and procedures and customers. There appears to be evidence of discrepancies between their implementation and the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Louisiana Recovery Services Inc.
State: TX

Complaint narrative:
I asked them to stop calling me. They told me to pay my debt or they wo n't stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Consultants of California
State: CA

Complaint narrative:
Submitted XXXX medical bills, XXXX of which are duplicates of each other. Attempting to collect interest without submitting source of interest charge. Called to point out these issues but was put on hold, then several minutes later directed to call back later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 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: Receivables Performance Management, LLC
State: NC

Complaint narrative:
I did n't have any knowledge ( That i can recall ) that XXXX sent a debt to a collection agency. I currently have service with XXXX/XXXX and have had this service for over a year. I called the collection agency because they are reporting it as paid but it is still hurting my credit. They said that they cant remove it. I called XXXX and the first attempt they stated that they had no acknowledgement of it and I even spoke with some in their risk management dept. This was back in XXXX. They told me to call the collection agency to get it removed and they stated that they could n't. I told them that I never paid the Collection agency anything and that I restored my services with XXXX so everything was paid. So recently I tried again to contact XXXX to see if they can report or send notice to the collection agency to remove it since I currently have service with them and was n't aware of them sending something to the Collection agency. They escalated the ticket and I received a phone call stating that even thought I am a " valued customer '' and that it is paid that they wont send them a noticed since it was once put in a bad debt status.

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 2015-06-29 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: IL

Complaint narrative:
My school is XXXX and is located in XXXX, Illinois when I first called into XXXX they were so anxious to get me in. So the XXXX day I came in my guidance counselor told me that no matter what I will be able to get a job anywhere and if I decided to go to another school that I will be able to transfer my credits. At this moment in time I had told him that I was pregnant. He told me that was fine and that I would be able to get maternity leave and I will be able to finish my schooling. He also called me at very late times and early times to, everyday it was getting annoying, saying that he was making sure I was going to school. So I did my 6 months and I was already 8 months pregnant XXXX my teacher also knew this they insisted I stay my whole semester, I also had doctors visits frequently so I was ready to do my maternity leave. I did try to come back I could n't because I was told that they were closing shutting down. I talked to the president of the XXXX, IL campus and she told me that I would be able to come back they are just renovating. I 'm a mother of XXXX XXXX I was really hoping on finishing the goal I had set for my family, and they ruined that for me. The main thing was also telling me that my credits were transferable and no collages take them or accredited schools take them. I 'm so disappointed from the debt to the teachers and how they run their system. I Ca n't pay the student loans they are asking me for especially when they lied, cheated, and made false promises off my dreams.

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 2016-12-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIRSTBANK PUERTO RICO
State: MD

Complaint narrative:
Called this bank on XX/XX/2016 to confirm what my pay off amount was for my vehicle. They stated {$2700.00}. I asked if i could pay over the phone. They said no, you have to come in or mail a check. I mailed a check for {$2700.00} to include the extra day that it would take to arrive. I checked my loan information online, 5 days later and the balance is not only NOT paid in full but the balance shows now {$3700.00}. I need the title to my vehicle as well as a {$2900.00} refund from their insurance that I did not use. They are stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending
State: CA

Complaint narrative:
I attended a XXXX college in XXXX where they applied for a private loan from Genesis while attending. I believe I was given false information to attend their school ( XXXX college ). I understand that there were a settlement agreement in which I should have received something in the mail in XXXX of XXXX.

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 2015-08-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Northern Alliance Management, LLC
State: CA

Complaint narrative:
This collection agency, repeatedly calls my husbands number and sons number. To inquire about me after being told repeatedly to stop calling. They call from a ( XXXX ) XXXX and say to call another number which is XXXX ( XXXX ) XXXX. To resolve this issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 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:
I continue to receive unsolicited/unwelcomed threatening phone calls from a company only known as R.P.M. collection agency ( phone # ( XXXX ) XXXX ) who refuse to share any information with me as to the nature of their business or who it is they are representing, instead I 'm asked personal questions or they simply hang up the phone, I have been extremely patient in this matter but I have reached my level of tolerance with these unwanted disturbances

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 2016-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA

Complaint narrative:
My loan was transferred from University of XXXX to Heartland ECSI last month. I had my account set up on autopay and noticed it did n't get withdrawn. I received a letter from Heartland ECSI informing me that they had taken over the servicing on my loan. The next day I received a statement from Heartland informing me that my account was past due. I went on to their website which was very difficult for me to navigate and scheduled a payment. They took the payment and then returned it stating it was NSF. I contacted my bank who informed that there was no issue with the bank account. 
Heartland then assesed me a {$25.00} late fee on my account. Worried about my perfect payment history I logged back in and scheduled a one time payment today, XX/XX/2016, including the late fee. When I went to submit my payment they also charged me a {$5.00} " convenience fee. '' I feel that they messed up in the time they took to notify me of the transfer of my account and it is having a derogatory impact on my financial well being. Ive always made my student loan payments on time and due to the Heartlands incompetent system I am now being penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Regional Management Corporation
State: SC

Complaint narrative:
XXXX XXXX, 2016 I traded in my car at XXXX of XXXX. I had an auto loan with Regional Finance in XXXX, SC. XXXX of XXXX called Regional Finance to confirm the pay off amount which was {$13000.00} according to Regional Finance that day. XXXX of XXXX agreed to pay the car off for me and placed me in a new car that day. One month later, XXXX from Regional Finance called me stating I have not made my car payment for the month. I told them I traded in the car with XXXX of XXXX they were suppose to send you the check for the car, they said they did n't receive it. I called XXXX at XXXX of XXXX, He stated they were working on it and should be sending them their check that week. Regional Finance accepted the pay off check from XXXX of XXXX and gave them the title of the car. XXXX from Regional Finance calls me again a week later stating I still owed them {$2000.00} for the car because the pay off amount was not correctly given to XXXX of XXXX and someone needed to pay this amount. I went up to their office that same day told them I would not pay because that was a mistake on their end not mine. I had XXXX on the phone from XXXX of XXXX with me, who stated XXXX the salesman spoke with a guy named XXXX that morning of the sale. XXXX stated it was not him. Also, XXXX stated well since no one recorded the conversation to see who it was from the office who told the incorrect pay off amount. I would still be responsible for the remaining balance. During this conversation XXXX was working on the computer when I pointed out to him and shouted to XXXX on the phone that on XXXX of the screens he was on the exact same pay off amount that was quoted to XXXX of XXXX. It stated pay off amount {$13000.00}. So I told them it was definitely Regional Finance mistake for giving XXXX of XXXX the incorrect information. XXXX of XXXX confirmed with Regional Finance TWICE on XXXX XXXX if that was the correct pay off amount and Regional Finance stated it was the correct amount. Of course, Regional Finance reported it on my credit report that I missed 5 car payments from a {$7700.00} remaining balance. {$7700.00} balance is what the full term of the car balance would be if I went to 72 months to pay it off. Regional Finance did report they received the {$13000.00} from XXXX of XXXX, however I still owed them what now what reports as {$850.00} ( where this new price came from could not even tell you ). So now the account is currently charged off, due to non payment, on my credit report because I did not give more money for a car already paid off and no longer in my possession.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-02 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: Receivables Performance Management, LLC
State: GA

Complaint narrative:
XXXX charged off a huge cell phone bill that I have disputed for over 3 years to XXXX collection agencies. Initially, XXXX sent this disputed, unresolved balance to XXXX XXXX. XXXX XXXX accepted a proposed settlement in the amount of {$1000.00} because this is the amount I felt I owed for breaking the contract. Instantly, I paid {$500.00} and agreed to pay remainder {$500.00} over a XXXX day period in which XXXX XXXX agreed. I called XXXX XXXX, XXXX back and they informed me they no longer serviced the debt. I suddenly contacted XXXX recovery department but was either disconnected or hung up on several times when attempted to speak with someone for several weeks. Starting the last week on XXXX, 2016, I started receiving many calls from RPM ( Receivables Performance Management collection agency ) who said they represented XXXX. They said they had received several complaints from customers stating they already had payment arrangement with another XXXX collection agency but regardless, they could not work with an amount agreed upon by former, XXXX XXXX, XXXX. They refused my proposal of remainder {$500.00} and persistent on a set amount. I again tried to reach out for help from XXXX. XXXX refuses to discuss this with me although they are reporting derogatory on my credit. This need to be cleared up XXXX. Why wo n't a creditor like XXXX discuss balance with me and they are reporting on my credit? XXXX has ruined my credit.

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 2015-07-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On my account with Chase Bank, they can only hit your account with XXXX NSF Charges on any given day. Chase has started to split this up and just process additional charges days after the charge has hit the account, and after direct deposits have been posted. Case in point, on XXXX they hit me with XXXX NSF Charges, my direct deposit was deposited on the XXXX, they come back and hit me with XXXX additional NSF charges on XXXX. Also in XXXX, they processed XXXX on XXXX XXXX, direct deposit on the last day of the month, so they come back on XXXX and charge me XXXX more on XXXX, XXXX on XXXX and XXXX on XXXX. I do n't think this is why they have a limit of XXXX NSF charges a day.

Company response to consumer: Closed with explanation