vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Renton Collections Inc.
State: WA

Complaint narrative:
I checked my credit report and found Renton Collection agency on there with XXXX charges totaling {$200.00}. I called to attempt to get an itemized bill of what was owed so I could mail a check. I spoke with a man there who informed me that I owed {$200.00} more for other debts that he refused to disclose. I told the representative that I would pay what was owed but I needed an itemized list of the creditors and amounts for my records. He refused to send any information and proceeded to tell me that he knew where I worked and he was going to call the office and ask to speak to my manager so he could tell them about my collections, which are all medical in nature. He demanded payment immediately or he would send more to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GREAT LAKES
State: CA

Complaint narrative:
Was not informed on the debt I owed or need to pay until it had already been sent to collections. I was only XXXX at the time and had no way of paying it back. was told that I would have a whole XXXX grace period to pay whatever was owed yet I 'm constantly being harassed and my credit is being taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I recently decided to let my granddaughter buy my car. She paid it off through the finance company on XXXX/XXXX/15. It has been over a month and we still have n't received the lien termination letter or the title for the car. 
We have repeatedly contacted the company to let them know that we have n't received the information and they have just mailed it out. It was, supposedly, mailed out to us XXXX times, but we have yet to receive any of that information. 
I have XXXX of my granddaughters listed on my account as the preferred contact, as she understands all of this more than I do, and they refuse to speak with her. They do demand that they speak with me, when it is listed on my account to have her take care of everything. They are always rude when we talk to them and all of us involved with this are completely frustrated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I have been a victim of XXXX fraudulent charges in a row on my TD bank which happened XXXX XXXX, 2016. I noticed those transaction on XXXX XXXX, on my ATM mini statement and right away reported the matter to my local TD bank branch in XXXX, CT. They have told me they 'll investigate the matter and that they 've promised my funds will be back to my account in about 10 days. This incident has drained my funds and I was slapped with a {$70.00} overdraft fee which I vehemently protested because I 'm not liable for this. I kept calling TD bank hoping to give them pressure to settle this problem, I have so much bills that was hanging in the balance. Greatly this has put me in a bad side thus putting all my bills on hold. Ten days had passed and nothing has happened and all they tell me is false promises. I need my account and my money back. Wish this bank call the attention of it 's customers for such unusual transaction ( happened at an interval of XXXX minutes in one day for XXXX fraudulent transaction ) I just do n't want TD bank give me false promises, it seems to me they 're not doing enough to help their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I made a settlement agreement with Target to settle a debt and they accepted. A payment was made and they cashed the check. Now Target is threatening to transferred the balance to a debt collector and began reporting the account to the credit bureaus as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: NJ

Complaint narrative:
I currently have my loan serviced with great lakes, the website is very hard to understand, nor is there a way to see an amortization schedule to see how much principal/interest I am paying into the loan, there is also not a way to pay down principal which seems to b e in violation of the higher education opportunity act of 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 2016-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES
State: FL

Complaint narrative:
Discharging my federal student loan. 

I am a former student of the XXXX of XXXX, From XXXX. I also was duped into enrolling with false promises! With aggressive recruiting tactics. That no matter what they wanted me on the the hook, With a federal loan, for A predatory school. With many of my instructors barely educated in the field themselves to which they were teaching. 

Am I to remain on the hook for debt I owe to the Department of Education? For a degree that is worthless, no more than the paper it is written on. 

The promises that were made to me and others at the art institute were that, at the end of my education I would be able to find a position in my field and begin the long road of repaying the loan back. 

But that was not the case. The job career center that the school offered only had jobs with really low paying positions, and had nothing to do with my field of study. An example being, a fast food restaurant. 

With more than XXXX in debt that can not realistically be paid off with the small amount of wages I currently receive and the HIGH cost of living.

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 2016-06-17 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:
I am currently in bankruptcy proceedings case no XXXX and unbelievably TD Bank has assessed me almost {$900.00} in fees and overdraft fees since late XXXX early XXXX 2016. Some of these fees are {$170.00} each while the smallest ones are {$35.00}. I have told TD Bank repeatedly and countless times that I am in bankruptcy and have told them to stop automatic payment withdrawals to avoid getting hit even more excessive OD fees but they just do n't care and do n't listen, and it seems that they are deliberately not blocking ACH auto-payments and checks in order to further compound and add to my financial devastation and the hole that I am in. Currently my account is approximately - {$1600.00} of which nearly {$1000.00} is in these horrific fees over the past 2 months.I received some money and want to deposit it in the TD Bank so as to make it positive again, and continue on with my normal banking activities, but a substantial amount of this money will be sucked into these cursed fees, and I will be left with a fraction. I am faced with the prospect of either closing my account and/or taking TD bank to small claims court to resolve this XXXX of financial justice. Please intervene and investigate. Kind regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
XXXX-target continues to verify their account on my XXXX credit report even though I have reported to them through all XXXX credit reporting agencies, that fraud existed on their account. I have included XXXX police reports with my identity theft disputes. XXXX police report is from XX/XX/XXXX when I noticed that identity theft had occurred, while I was out of the country. The XXXX report was filed XX/XX/XXXX to continue to investigate identity theft, as my license had been used in traffic violations. 

Target reported in XX/XX/XXXX, through CFPB that my account was at a XXXX balance until XX/XX/XXXX, at which time, fraudulent activity was made on my account. 

The account must be removed from my XXXX credit report. My target account was withdrawn from my XXXX report, & blocked from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I recent had my credit pulled and was alarm about a target card that appear on my credit report that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
My loan was transferred from Campus Partners to ECSI. I was not notified of the transfer by either party until I realized I was unable to access my campus partners account and they gave me a phone number to someone else. I called the number and was put on hold indefinetly, I was finally able to access my account using a livechat with an ECSI rep who gave me my login information. Upon logging in I can not tell if my payment is due and the website is very confusing and unclear. I dont even know if my payments are current. The login information requires XXXX fields and is extremely clumsy. The website is extremely outdated, confusing, and slow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 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: Credit Adjustments Inc
State: MN

Complaint narrative:
I am a victim of identity. The account with Credit Adjustments , Inc., that 's in my name is an unauthorized and fraudulent account. The account do not belong to me.

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 2015-10-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Michael Wayne Investment
State: NC

Complaint narrative:
I have a XX/XX/XXXX XXXX XXXX that I purchased from Auto Connection in XXXX NC. In XX/XX/XXXX. It is financed with Michael Wayne Investment. There are some unresolved repair issues that is a ongoing issue sense I bought the car. I bought a extended Warranty and took the car in to be repaired in under two weeks after i bought it. The repair shop replaced a broken motor mount and transmission mount and told me the car was fixed but when i left the shop it still had the same problem. After taking it back to the dealership several times the issue never got diagnosed because of lack of concern by the dealership and their service manager, XXXX. XXXX was very rude and impossible to work with. I contacted Michael Wayne Investment out of frustration. It was at that time I was instructed by XXXX XXXX to stop making my payments until the repairs were resolved. So I did not make the payments. I started to get calls from their automated service everyday XXXX to XXXX times a day. I noticed when i would get in my car I heard a anoying beeping. Then my car would not start because they had it turned off by past time. Then because the repairs still have not been made XXXX XXXX started asking me when I am going to make my payment. So I started making the payments again, but because XXXX XXXX told me not to make several payments they are still calling me even the day after I make my regularly scheduled payments and tell me I am behind on my payments. I get calls early in the mornings all through the day and into the evening, and Sometimes tMy car wo n't start because they turn it off. I have asked them to stop harassing me with the phone calls and told them I 'm not behind on my payments because XXXX XXXX told me not to pay. I am stressed out bad because my account is past due and I am being called all the time. I never know when I am going to get I'n my car and it wo n't start. I am a poor person with a single income and I live paycheck to paycheck. I ca n't make more than XXXX payment at a time. it is wrong to treat customers this way. I wish I had never bought this vehicle. It is a bad car for my family. It has been in the shop XXXX times already sense XX/XX/XXXX and still not repaired. I do not have another vehicle to drive while this one is in the shop so many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am submitting a complaint against Target Cause they continue to report a fraudulent account that I did not authorize to be opened in my name. They sold the account to XXXX XX/XX/XXXX and I was able to resolve the issue them and get the fraudulent account removed from my file. XX/XX/XXXX I put a complaint on Target and they refused to remove the account even though I have provided supporting documents with my claim. They proceeded to report to XXXX as if the Charge off was XX/XX/XXXX which put me in a worst predicament than I was. I am requesting for this fraudulent account to be removed from my file. I have sent them my police report and the letter from XXXX XXXX XXXX which I am going to attach to my complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
Starting in 2011, until last night, I was enrolled in Paymap Inc. 's Equity Accelerator program for a 30-year fixed-rate mortgage I have through XXXX. I found out last night that CFPB has taken action against Paymap for the Equity Accelerator program. How can I find out if I indeed was scammed by this program & thus received no added benefit, while I was charged an initiation fee of {$300.00} or so and also {$2.00} transaction fees for every payment. It appears as though everyone in this program was deceived. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
A target credit card I owed on went into collections and started affecting my credit score XX/XX/XXXX. They agreed to accept a partial payment and the debt was taken care of years ago. Unfortunately, I am still being negatively effected by this as the last reporting was XX/XX/XXXX. I have tried to contact target to handle this issue but the service I spoke with claimed they do not have records back that far. I would like this derogatory mark removed from my credit report as it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 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: TX

Complaint narrative:
received an initial call on XX/XX/XXXX from XXXX at XXXX in the XXXX of the XXXX indicated she would do the following in that discussion, that she would take action in the next day or so to have the account removed from collections and my account cleared at XXXX. 

The indicated actions by XXXX have not happened as of this writing which is why I am reaching out to you again for assistance. 

I have attempted to contact XXXX no less then XXXX different times leaving messages, email contacts, call back number, etc. However, outside of the initial call on XX/XX/XXXX XX/XX/XXXX has not returned my ANY of my called since our discussion on XX/XX/XXXX. 

XXXX lack of responsiveness and failure to follow through on her commitment to me is uncharacteristic of individual working in the XXXX of the XXXX period. Not only am I disappointed in XXXX lack of response to my many phone calls, but also her slight attitude in our initial conversation which appears to be consistent with her lack of follow-through action and non-responsiveness subsequent to our initial phone discussion on XX/XX/XXXX. 

At the crux of the issue is the failure of TM and Receivables Performance collection agency to completely remove any and all reporting of the {$68.00} for a balance that is not owed, and was indicated would be removed by XXXX 

However, Receivables Performance is play games with zero reporting while leaving the initial {$68.00} on my credit report which in not right.

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 2015-05-06 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
I previously filed a complaint with CFPB against XXXX XXXX and their collection agency, Louisiana Recovery Services. I asserted that the debt should have been submitted to VA to be paid. In their response, they asserted that they mailed letters that were returned ( which means they had the wrong address ). Also, they said they called me through some sort of robocall. But, never spoke to me. Certainly, if they would have spoke to me, I would have told them what I requested initially and now, submit the bill to VA. 

Also, in their response to the CFPB complaint, they said they would submit the bill to VA. However, when I called VA 2 days ago, I learned that they never submitted the bill for payment. However, when I called Louisiana Recovery Services and spoke to XXXX XXXX, while VA representative XXXX XXXX was listening, XXXX XXXX falsely asserted that they had submitted the bill to VA for payment on XXXX XXXX, 2015. But, she was shocked when VA responded that was not true, and requested the payer ID number, which they could not provide. XXXX XXXX then provided her with the payer id number, and requested that Louisiana Recovery Services submit the bill. Also, XXXX XXXX asserted that Agent for Louisiana Recovery Services, who told me that she was a lawyer, XXXX, was in fact only a collection agent. VA agreed that it appears that they are deliberately refusing to send the bill to them for to avoid getting reimbursed the minimal government rate of charge, as opposed the over {$1700.00} they billed me personally. Why collect {$250.00} from VA, when they can try to collect so much more from me by holding my credit hostage. This is deceptive and unfair credit practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
Even if I am a day late on my payment, they begin calling. Typically call my cell 3-5 times in a row. Then begin calling each reference. Threatened to sue me after being 5 days late last month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
In an adjunct filing to the complaint XXXX made to CFPB XXXX/XXXX/2015 I make this further complaint about a call received the following day XXXX/XXXX/2015 from phone XXXX which is Receivables Performance Management, XXXX XXXX XXXX XXXX, XXXX, WA XXXX SPONSORED by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX XXXX, ( XXXX ) XXXX, XXXX XXXX, XXXX - XXXX, Ohio, which, again may not be licensed even to operate in my state of Georgia. 
The RPM website services description page lists, " CUSTOMIZED DUNNING Notice Services, XXXX, Early Age REACTIVATION SERVICES, Late Stage.. '' Please note, " OMB # XXXX : An agency MAY NOT CONDUCT or SPONSOR, and a person is not required to respond to, a collection of information unless the collection of information displays a valid control number assigned by the Office of Management and Budget ( OMB ) ... '' These control numbers are never given and more important the service that called me " Receivables Performance Management '' is being contracted and SPONSORED by XXXX & XXXX XXXX XXXX. Both companies are in violation of federal law the count of which is probably in the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 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: WI

Complaint narrative:
On XX/XX/2015 I cancel my XXXX for XX/XX/2015 my balance on XXXX was XXXX On XX/XX/2015 payment of XXXX was withdraw from my checking acct. Only XXXX was deducted from my balance On XX/XX/2015 payment of XXXX was withdraw from my acct. I try to correct this problem with directv. After many calls finally reach human being, all she could do give me an address I send all my documents and no respond. 6 months later collection agency mail me letter, I contact them and no respond. Now one year later, other collection contact me .Once again I have to correct XXXX mistakes. I owe XXXX nothing.

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 2016-06-27 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: AZ

Complaint narrative:
I entered into contract with XXXX under false pretenses. Salesperson enticed us to sign XXXX program contract stating the benefit was if we left XXXX we would not incur Early Termination fees. When we left, we incurred exorbitant early termination fees. They have not removed the fees even though I have disputed them since they have tried to collect them.

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