vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
This company continues to call me for debt collection for my husband and we have been legally separated for 9 years. They called me last week and I told them that, and they called me again today. They will not tell me why they are calling me or why they have my phone number. They will not give me the name of their company. When I try to speak to a manager they disconnect me. It is harassment and I am not legally associated with this person ( my husband ) anymore.

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 2016-01-27 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: NY

Complaint narrative:
I have a private student loan that is serviced by XXXX. In the past, I have been able to pay by bank transfer through the website with no fee. The site now ( effective XXXX XXXX, 2016, according to the front page ) imposes a {$1.00} for bank transfer payments that are not made through their autopay system. Servicers should not be permitted to unilaterally impose fees on existing payment methods or to change the terms on which borrowers have been paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 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: NE

Complaint narrative:
Receivables Performance Management ( RPM ) sent a letter stating that we had been sent for a debt collection for XXXX in the amount of {$380.00} for services XX/XX/2016. We did not have XXXX services then, nor were we even eligible to get their services as they were not in our area at that time. We called XXXX to verify the fraudulent claims and they have verified that for us. RPM continues to harass us for a debt that is not ours!

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 2016-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Academy Mortgage Corporation
State: AZ

Complaint narrative:
My credit history was accessed ( Hard Credit Hit ) without my permission. I received a call from XXXX XXXX with Academy Mortgage, a mortgage lender whom I told I could n't talk. He said he would email me for the information he needed and I agreed and he subsequently ran my credit but never mentioned it and never implied that he was going to pull my credit. As I am sure you are aware this had a negative impact on my score and I am in the process of disputing it with the bureaus and the service he used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: CA

Complaint narrative:
I received a notice to attempt to collect a debt from some XXXX+ years ago in which I know I would have never gone without paying, however, I do not keep my bank records past that far to prove it. XXXX XXXX XXXX response to that is " oh well '' this company says you owe them. 

How is it possible that a company can come to me after XXXX+ years and just say I owe them, when I have not received a single call or letter, statement, bill of any kind in all these years. Not too mention numerous occasions in which I have applied for credit and had credit reports pulled with no history of this " so called debt ''. 

I am supposed to just take their word for it and pay them??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Genesis Lending
State: MT

Complaint narrative:
I have genesis loans from XXXX they do n't ever send my mail but then they call XXXX times a day then when I have time to answer they tell me I 'm behind on my loans they want me to pay 400 a month and I asked if my loans are apart of the lawsuit and they hungup on me all the issue brought up in the lawsuit I have dealt with since XXXX 2012 when I started they have repeatedly said I have no options left telling me 400 a month or I will default on my loans

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 2015-12-03 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: Receivables Performance Management, LLC
State: GA

Complaint narrative:
I recently viewed my XXXX credit report and found a collection account listed for XXXX I did not receive any correspondence written or oral from a collection agency representing XXXX. I contacted XXXX directly and was told by the customer service department they could not retrieve an account based on the information I gave them and I would have to get in touch with the collection agency that I saw listed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
REceived REPEATED calls min 3 dozen, Same thing everytime rols tovoice mail as I keep my cell on virbrate and rarely answer it as it rings. Then no message is ever left. Almost every time I call the number I get a busy signal when I DO get a human they hang up on me before ever telling me what the call is about. I can not look up what it is about online as I do not have a required reference number and I am informed I have to contact my original creditor to get the number. Kinda hard to contact a creditor as I have no clue whom the creditor might be let alone if its a valid debt. When googling online the phone number this seems to be typical behavior and possibility exists they do various online scams as well. 

If the company is SO incompetent they can even communicate what they are contacting me about I ask they cease and desist contact in the future because as it now stands all they are doing is harassing me like a former girlfriend who calls you over and over and hangs up when you pick up the phone.

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 2016-11-02 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: KS

Complaint narrative:
I made a payment on the due date of my loan. For some reason, there was a technical issue with the company 's website which caused my payment to not go through. Instead of notifying me within 2-3 days of my missed payment, Great Lakes strategically waited until the XXXX of the next month to notify me, causing me a late fee on purpose. They should be required to notify you within 2 days if you miss a payment. This was caused by their system error, not me forgetting to make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 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: Altisource Portfolio Solutions, S.à r.l.
State: WA

Complaint narrative:
Company did not send notification of an outstanding debt. No invoice requesting payment was ever sent. Because an invoice was not received, I was unaware that a payment was due.

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 2016-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, a man walked into a TD Bank branch in XXXX and withdrew {$900.00} from my checking account. He presented ID that somehow duped the teller into giving him my money, even though there were enough inconsistencies to warrant a closer look at the identification provided. Thus far the bank has refused to promptly return my money until they conclude their investigation. Since the transaction was not " electronic '' I informed the bank supervisor that TD Bank had no right to hold my money for the usual ten business days to resolved the matter. In response I was told they had to hold on to my money just in case I was the criminal who stole the {$900.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES
State: VA

Complaint narrative:
Great Lakes student loan company is refusing to acknowledge my enrollment in a new school - XXXX University, XXXX program. After one month of emails to them and my school sending them my enrollment information, they refuse to acknowledge my enrollment -- thus causing me to have to pay back my loans and new school fees causing financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I purchased a costume from target.com. it did not fit my niece, therefore I walked in the return to a target store here in XXXX, the XXXX store. The attendant told me it would automatically be returned to my red card, ( target card ). Upon further review due to late fees on my account because it was the only item I had charged, i discovered it was not credited to my account. It in fact apparently was placed onto a gift card which I never received. I have now been assessed two late fees on my account. Target refuses to credit my amt due XXXX and in fact now charged me XXXX dlls with the XXXX and late fees. please assist. this is not the first time target abuses their authority,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29 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: NJ

Complaint narrative:
XXXX Bank continued to assess overdraft fees based on the improper reordering of debit card transactions from highest to lowest amount and to assess fees even at times when I would, but for the reordering, had sufficient funds in my account to cover all merchant requests for payment. 
" Illegal and unfair assessment of the account ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I had a due date of XX/XX/XXXX, min payment XXXX. I set up weekly payments of XXXX, which were applied XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX. Since the XX/XX/XXXX payment was received & posted after the due date, i believe it should be applied to the XX/XX/XXXX payment. It was NOT.  They said because it was after the due date but before the statement closing date, it could not go towards the following months minimum. the next due date was XX/XX/XXXX. Payments were applied XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. I was accessed a late fee because they say only XXXX payments were received before the due date...even though they had XXXX payments before the statement closing date. If it cannot be applied because of statement closing date then due date & clising date need to be the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My issue is that my Target Red Card account was put into collections and closed after I sent a check to pay off my account in full and on time on XX/XX/XXXX. This was sent through the US mail and should have been processed in Target Red Card 's payment facility soon thereafter. In the time leading up to my account being closed and put into collections, I thought that my account was paid off. It seems that either the check did n't make it to them or was processed incorrectly. I received NO phone calls and NO collection notices. If I had realized it was n't paid off, I would have made it right immediately but there was no due diligence in my opinion to inform me as the consumer at all. You will see that as soon as I became aware of the balance I paid in full on XX/XX/XXXX. I provide this not to justify why the account was unpaid, but rather to show that it was not an issue with not being able to pay or managing my credit. This looks to be an error at the post-office or at their payment facility but they refuse to hear me out and only respond with form letters that clearly do n't even speak to the issue. I hope that Target Card is willing to work with me on erasing this mark from my credit reports and reopening my account that has been in good standing since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA

Complaint narrative:
I purchased a vehicle around XXXX 2008. Due to financial difficulties, I fell behind on my payments, and the vehicle was repossessed. The company sold the vehicle, and filed a judgement against me. They are stating that I owe over the purchase amount of the vehicle.

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 2015-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
In XX/XX/XXXX, we received a letter from TD Bank saying they no longer offer our existing HELOC. We 've had this loan about 9 years, originating with XXXX Bank. In speaking with a rep, XXXX, we decided to apply for theirs. We increased the LOC from $ XXXX to $ XXXX, which XXXX said would make the rate prime -.25 % and all fees to be waived. They also offered us {$500.00} upon settlement. We got a call to fax many documents, which we did on XXXX. Several weeks later we called the processor, XXXX, and was told she needed a doc that had been faxed, and we refaxed it that day, XXXX. She had the rate of XXXX on her paperwork, which is prime + .5 %. We called XXXX and she never returned our call. A week later we called and spoke with XXXX, XXXX 's boss. He contacted XXXX XXXX, XXXX 's boss, who also never called us. On XXXX, we called and finally spoke with XXXX. He assured us we had the quoted rate, and he needed another doc from our pension. He was going to call them and get back to us XXXX. He never called us with requested info, so we called the local branch manager, XXXX, who was going to get back to him. Still nothing a week later. We spoke with a XXXX or XXXX level manager and were assigned a new processor. XXXX. She needed many of the original docs again. In asking about the rate, she also quoted XXXX. The last we heard from her was XXXX when we requested the proper rate in writing and the president 's name and contact info. The next day she emailed us a number for a chairman. We called there on XXXX and still have received no call back. We 're not faxing any more paperwork without the quoted rate in writing and we told XXXX this. She was going to have her boss request the tape from XXXX when we had spoken with XXXX XXXX, to prove he agreed to the rate. We 're not sure what all is going on, but we 've been given the runaround. We 've lost sleep, many hours, and have been thoroughly aggravated by this whole thing. We have a HELOC with them, I 've lived in this house since XX/XX/XXXX, we have excellent credit, live on a small pension and soc sec. Perhaps this is elder and XXXX discrimination. It definitely has been harassment. We 've never had any paperwork nor met with anyone. This has all been done over the phone. This is the gist of it, but we will be glad to provide a chronological list of dates and people with whom we 've spoken. Our application number has been on file since XXXX. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD auto reposessed my car, auctioned and recovered in full. I was told no balance was owed to them however on my credit report they are still reporting a balance of {$6400.00} continiusly and now trying to call and collect on the debt that I do NOT owe ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
When I lived in XXXX I had an account with TD Bank. I have moved to XXXX where TD has no branches. I have told the to close the account many times. The last time was yesterday. 
Because they have not closed it fees are just over {$1000.00} and growing. They now claim they will close it in 60 days. Then a collection company will go after me. They are not working with me at all. They just like charging fees. I am getting hit with fees as my account is less than XXXX because of fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I applied for a {$250000.00} HELOC. I have stellar credit. My assets and equity each are considerably higher than the loan amount. Everything seems to be fine. I receive a phone call giving me a rather vague explanation as to the reason for the loan declination. Though coincidentally in the days before this, I had revealed in conversation that I was going to visit family and friends in a XXXX country. After some pressing, I was given the ridiculous excuse that our building lacked the XXXX % owner occupancy that TD Bank now stated that they required. That was news to me, as they had gone through every step along the way prior to this. The revelation of this requirement was shocking to me, as this a fundamental point that is discussed in the preliminary stages, particularly in regards to coops. I believe that this alone is an ECOA violation in addition to equal opportunity to minorities. A quick phone call to my buidings management office revealed that our building was XXXX % owner occupied. Not only did TD Bank not reconsider this XXXX % margin, but they have refused to send me the reason for the declination in writing or where this unreasonable prerequisite is stated. TD Bank knew full well that I had waited until they had all of my documentation and they had assured me that all was fine, before I was to submit the application to my building 's coop board, along with the {$400.00} finance application fee they required. Reckless? Criminal? XXXX? We have nearly XXXX apartments in our coop, and a loan of this kind had never been rejected. My more than adequate salary, assets, equity and XXXX plus credit score aside.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
TD Bank has been consistently ( the past 3 years ) re-ordered my debit transactions by highest to lowest and changing the posting date. Which in turns gives me multiple {$35.00} dollar charges on transactions under {$20.00}. And on top of the multiple over draft fees, the start charging {$20.00} fees every 2 days. On top of that, some how their monthly matinence fee makes an appearance during this random time of the month. Another {$35.00} dollars down the drain.This type of practice is unfair and unethical. On the poorer side of the income spectrum and this makes it hard to maintain any type of decent balance and remove yourself from the black hole.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX/XXXX/XXXX I initiated a payoff of my Target REDCARD Credit Card ending XXXX. I have not used my card since that date and was under the Impression my account was in good standing, Target has hassled me since the card was opened in XXXX XXXX about the credit limit and paying the card down, every time the card was reduced by a substantial amount, Target decreased my credit limit affecting my credit score. I have logged into my account previously to make sure there were no residual payments or interest but I have not used the card since paying it off. 
It turns out that I was going to check my limit recently and found out Target closed out my Account without notifying me in writing thus drastically affecting my credit score and credit history with Target, this is something that Target should have notified me in writing that was going to occur and thus is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA

Complaint narrative:
I owe a debt to a creditor and went through the litigation process and a judgement has been placed against me. I accepted the judgement for the amount of a little over {$10000.00}. This same creditor is still reporting to my credit report and the debt is growing. The debt amount is now {$14000.00} and growing. I 'm in the state of Georgia and this case went through the XXXX XXXX court system, civil action no : XXXX. Can someone please help me with this issue, I need to know if this is a legal act. I was once threaten with jail time harassing phone calls to my home and job. I feel helpless.

Company response to consumer: Closed with explanation