vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
I saw on my credit report a derogatory mark for a place called Bull City Financial. They then told me i owe money for a bill at an address i never lived in. I then told the debt collectors to remove the debt from my credit because it is not mine. i sent them the proper information to prove that it was not mine. I had the person who was responsible for the bill ( my father, we have the same name ) tell them it was his bill, they still said i am responsible for it. Now upon telling them numerous of times i have sent the the proper paper work to prove it is not mine they still keep telling me it will remain on my credit report until it is paid. If it was my bill i wont have any problem paying for it, but unfortunately for them it is not mine. My credit is getting lower and lower because of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Patient Account Services, LLC
State: AZ

Complaint narrative:
Agent from Patient Account Services ( PAS ) called my cell phone, demanding payment of XXXX. Without letting me speak after I had asked what the debt was for, the agent rudely asked if I knew " how much money '' I had in the bank, and preemptorily said he would write me off as " refusal to pay '' then hung up. I had no chance to ask any questions, provide or receive any relevant information, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 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: Capio Partners, LLC
State: AL

Complaint narrative:
I received a collection notice in the mail from Capio Partners dated XXXX/XXXX/XXXX. The amount was {$1000.00} from XXXX XXXX XXXX with a date of service XXXX/XXXX/XXXX. I called the collection agency and spoke to a representative. She stated that XXXX XXXX XXXX had attempted to contact me since then and the mail correspondences had been returned. Also no insurance had been filed. The service was for my daughter. I stated that it must be an error. I had been receiving medical treatment for XXXX during that time period therefore the should have had my correct address and insurance information on file. This is an error made by the hospital. Also, with my insurance ( XXXX ) the bill would have been {$150.00}. Why was it not filed? Why did they not contact me by phone? Now if filed, my insurance will not pay since it the service date was over 2 years ago. I feel that XXXX XXXX XXXX should correct this issue. This should not be placed on my credit report. I had no knowledge of this issue and did not have an opportunity to address it prior to being placed with a collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: PLS GROUP, INC
State: TX

Complaint narrative:
I initially sent a cease and desisit request to XXXX and at this point am unsure if they received it. Received a call today for XXXX and called back and a XXXX XXXX picked up. Wanted to know why I was callling I advised her to advise them to cease and desist. XXXX XXXX then transferred me to XXXX. XXXX verified last XXXX of my social security number and I then asked me why I was calling. I advised her that I wanted to them to cease and desist any calls to me. XXXX then stated that they could only cease and desist if they were calling my POE ( place of employment ). She inquired on whether I was filing bankruptcy, I told her " no '' as I previously informed them that I was filing XXXX XXXX. I am tired of dealing with this company. Clearly the afent is unaware of a cease and desist as she asked me what I meant. Their collection tactics are tacky.

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 resulted from identity theft
Company: Alliance Group & Associates LLC
State: NH

Complaint narrative:
I was called on XXXX XXXX on a debtor in the amount of {$4600.00}, and must pay in full or make an agreement to pay installments of {$100.00} a month until the balance is in full. I did my research, looked into my credit reports of any negative balances, collections and or debts on file, and there is no derogatory balances in my report. I did further research to call the banks, XXXX XXXX XXXX XXXX XXXX and Pennsylvania and both did not see on file the account number or my SSN or debt on file. This company in XXXX, SC is and has done ID scamming upon me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-16 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: Patient Account Services, LLC
State: FL

Complaint narrative:
I have paid this debt in full as of XXXX XXXXXX/XX/2015 to XXXX. The unpaid collection continues to be reported by Patient Account Services. I requested a verification of the debt and received a response dated XXXX XXXX XX/XX/2015 stating the current balance on this account is still {$1000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capio Partners, LLC
State: TN

Complaint narrative:
I was billed an enormous amount from XXXX XXXX XXXX. I received the first statement XXXX XXXX, XXXX. I sent them a letter on XXXX XXXX, XXXX explaining the exorbitant charges which were not in line AT ALL with what should have been charged. I did not receive a response until XXXX XXXX, XXXX from XXXX stating that the charges were billed appropriately XXXX XXXX XXXX. I then received a letter on XXXX XXXX, XXXX stating that the account was reviewed and that I still owed the {$1100.00}. I sent payment of {$160.00} on XXXX XXXX, XXXX. Since that time I have received XXXX communication from ANYONE about the balance. I just, today XXXX XXXX, XXXX, received an alert that my credit score dropped XXXX POINTS! When I checked my credit report from XXXX, I saw that I had an outstanding collections from a company I had never heard of in the amount of {$1000.00}. I called this company and they stated they sent communication on XXXX XXXX - WHICH WAS NOT SENT! I took care of the debt today, but this should NOT be on my credit report or negatively affect me as I had NO knowledge that this was even an issue or should have been collected once I did not receive ANY communication after a payment was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16 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: Duvera Billing Services, LLC
State: IL

Complaint narrative:
I purchased a Computer from XXXX XXXX in XXXX XXXX XXXX. The Computer company used a financing company " Easy Pay Finance '' I returned the computer purchased in XXXX of XXXX however Easy Pay Finance never stopped processing payments on my account. I 've contacted them multiple times and have even made them aware that the Company where the purchase was made has been under new ownership twice since XXXX of XXXX. The new owners do not use Easy pay and the product which the contact was made for was returned to the store. They have even confirmed that they ca n't get a hold of the owner of the store themselves yet they wont ' stop processing payments and have even started to charge me NSF fees because I 've asked my bank to stop their transactions. Easy Pay Fincance company keeps asking for me to contact the owner of the company and have me going in circles rather than attempt to resolve my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I made a bill payment using TD Bank 's Online Banking bill payment feature for the first time. The bill was to be paid on XXXX XXXX, 2015 and the payee was a XXXX Credit Card. The day after the bill was to be paid, the payment was shown as 'paid ' in the Bill Pay XXXX Bill History screen but does not show as having been 'paid ' in Account XXXX Account History screen nor does it even show as being a 'pending ' transaction '. I called TD Bank customer service and was told by the agent that despite the bill being shown as 'paid ' on the bill payment screen, the bill would only be deducted from my checking account when TD 's credit card department had 'cashed ' the paper check that TD, the Bank had sent to them. They could not tell me when that would occur but that I should " keep in mind '' not to spend the money or the account might go into an overdraft situation. What kind of trickery is this? Showing a bill as 'paid ' and yet not debiting the account until some future, indeterminate time? How many TD customers must believe they have paid bills using TD Bank 's online bill pay system only to discover that they had not? If I were very cynical, this process seems another way to deceive customers into overdrawing their accounts, thereby allowing the bank to charge overdraft fees. Citibank, the other bank with which I pay bills, deducts the account at the moment the check is drawn or the electronic transfer is made. There is never any confusion there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I noticed today that over the course of four months ( XXXX, XXXX, XXXX, XXXX 2015 ) my bank account was debited {$40.00} each month by XXXX. The debits appeared on my bank account statement as " XXXX WEB PMTS '' and " XXXX WEB PMTS '' A quick search through Google shows that other individuals have been scammed by the same entity. A call to the number listed for the company goes only to a voicemail account. The company website lists a location at XXXX XXXX XXXX XXXX XXXX, XXXX, DE, XXXX. However, many online have noted that this is likely a scam originating from outside of the United States. I filed a claim with my bank and they are investigating. However, the source of this scam needs to be found and stopped. An alert should be sent to US financial institutions. I imagine that because the amounts are relatively small there are a number of these fraudulent debits that are going unnoticed. Because I just noticed this activity, I am not able to receive a credit for the first debit that occurred in XXXX 2015. This needs to be stopped before it happens to more people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
I took out a title loan with Titlemax. they told me there interest was 8 %. I all I wanted was {$2500.00}. By the time they got through with me I walkout with {$5100.00}. I gave them back {$2400.00}. My math and there math do n't add up. I will be paying back right at {$10.00} only pennies goes to the principal. I all attach a summery of my payment. This is raping me. I am a XXXX income family. I can not continue to just give money to this company. I have paid them a little over {$7000.00}. It does not have a end. They want me to drive 2 hour to make a payment at times and almost refuse to take a payment over the phone. In those situation they make me make a double payment. That does not seem right. Can you help me. I am XXXX years old and work for a living but I also have medical issue that need to be taken care of. It is almost impossible to do with this issue hang over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Senex Services Corp.
State: TN

Complaint narrative:
Senex services placed an entry on my credit as a collections I have asked them to validate the debt with no success I have contacted oringinal creditor and they stated I have no outstanding balance nor has anything been sent to collections with my name birthday or ssn. I want this entry removed and i want them to follow the laws as far as debt collecting. They have severely impacted my credit on a bogus claim I owe money and if not resolved I will pursue legal options if this is not validated and or this entry is not removed from my credit. I have no statement with Senex Services nothing with there name and address. or phone number i had to get online after my credit alert notified me of a deragatory entry on my credit. I have contacted and visited original creditor and this is not a valid debt1

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
My wife and I applied for a mortgage with TD bank. After 12 days they had not processed our application or scheduled an appraisal of the property. After calling repeatedly I was finally informed that the credit card my wife gave them for the appraisal fee was expired ( It 's a brand new card expiring in 2020 ) I gave them my credit card number instead which was quickly charged {$430.00} for the appraisal. On XXXX XXXX after calling several times I finally received a letter of conditional approval with a " to-do '' list with a due date for everything of XXXX XXXX. After another week the appraisal had still not been scheduled nor had we seen any progress of the application being processed. We decided to start working with another mortgage company because of the lack of progress from TD. I promptly informed our mortgage officer and mortgage processor at TD that we would be withdrawing our application with them and that I wanted to be refunded the appraisal fee because the appraisal had not been carried out or even scheduled. They assured me that it would be refunded. It has now been ten days and I have not yet been refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Hi, i recently received a barclay arrival plus card. I had not have the satisfaction of using credit due to the card not benign activive or on hold for more than 45days. 
The credit company is requesting a copy of my SS # from & back, Driver license with copy of bank statement to verify my identity. 
I spoken with numerous customer service rep, to address this issue. The customer service would state " In order to resume my account I need to send a SECURE passcode to number on file '', I get the secure code & pass the verify to find out my account is still on hold. 
I have a matter on my account, which I ca n't address because of the hold on my account. 
I fax over 3 times copies of verification. I omitted certain information for my privacy sending sensitive information via fax, mail, or online according to the privacy act law. 
I had made numerous payment to my account and in good standards. I DO NOT SEE WHY MY ACCOUNT IS NOT BEING UTILIZE TODAY. I SUBMIIT DOCUMENTS AND NO RESOPNSE.

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 2015-08-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My loan servicer, formerly XXXX XXXX, now Navient, has provided false and misleading information regarding a co-signor release option for my private student loans for the University XXXX XXXX, XXXX XXXX XXXX XXXX, located in XXXX, CO. I have called into Navient XXXX times over the past XXXX months to inquire about their co-signor release program. Each time the representative I speak with informs me of a different set of criteria that applies to their co-signor release program. Some have stated after XXXX-year of on-time, principal and interest payments a co-signor " will '' be released, others state it is XXXX years, or XXXX months, or that the co-signor must " apply '' and there is no guarantee they will be released. The variance in information has gone so far to also state that a co-signor release program does not exist. I have requested documentation numerous times, and it either has failed to arrive via mail as indicated, or I have been told there is no documentation on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I received a letter dated XXXX XXXX From Target credit cardServices Via TD.Bank stating that they declined my application dueto me have too many recent inquires and a collection on myaccount from XXXX that I have already token care of and theydeclined my application because also to many recentinquires that when yall were supposed to remove all of thembecause most of them were fraud accounts and I really don'tthink that this is fair I have a lot that I have to go thru whenapply for stuff because of all of this please dosomething about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL

Complaint narrative:
Nationwide Credit INC. called to say if i paid of my debt within a certain time frame that XXXX XXXX would reinstate my credit card and that my credit would show an active account. They took my money and my credit report states my XXXX XXXX account was charged off negatively effecting my credit. They lied from the very XXXX time they called and now when i call they cant access my account and the managers are always on break.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
I have received text messages that I never authorized. The text have threatened repossession. I have received emails threatening repossession. I had been in a bankruptcy at which they contacted me while I was in it. Received a text and a voicemail back to back. I have email and text saved

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Checks on my account were counterfeited and forged and the bank TD bank refusesto refund monies and the overdraft fees associated with the forgery

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Several months ago I received a debit card from TD Bank which I did not request or apply for. I promptly cut it up and threw it away. 
Two days ago I received a bill for {$33.00} from TD Bank for Sustained OD Fee, Maintencance Fee, Paper Statement Fee. 
I have called TD Bank twice and after lengthy telephone hold periods I was asked for the last XXXX digits of my social security number ( how did they get that ) and told to go to a branch office to cancel this fraudulent account. It is not convenient for me to go to a TD Branch office. Please see the attachment. Thank you very much for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30 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: NY

Complaint narrative:
Great Lakes is reporting my account as being 120 days late when I was approved for for it to be deferred until XX/XX/XXXX. My other account with account number XXXX is reporting correctly. I am not sure why they are still reporting my account with the late payments below. 

180 days past due as of XX/XX/XXXX, XXXX XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
CBSA IS A THIRD PARTY COLLECTIONS AGENCY, WHEN I CALLED TO INQUIRE ABOUT THIS COLLECTION THE LADY THAT I WAS TRANSFERRED TO TOLD ME WHAT PROCEDURES WERE PERFORMED ( WHICH WAS XXXX ), WHAT TIME AND DAY THE SERVICES WERE AND FOR WHAT MEDICAL REASON I HAD TO SEE THIS DOCTOR. THIS VIOLATES HIPPA AND SHOULD BE REMOVED FROM MY CREDIT REPORTS. I DID SEND HIPPA LETTERS TO CBSA AND THE CREDIT BUREAU 'S AND THEY SAID IT WAS VALID, AND DID NOT SEND A SIGNATURE OR ANY OF THE OTHER REQUIRED INFO. ALL THAT WAS SENT WAS A ITEMIZED BILL. PLEASE RESOLVE THIS MATTER.

Company response to consumer: Closed with explanation