vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-19 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: GA

Complaint narrative:
I received a call from on XXXX/XXXX/2015 from a female asking me my name and address. She did n't state where she was calling from. I returned the called and learned it was from a Receivables Performance Management Collection Agency. She stated that I owe a family mobile bill, but the account had a different last name than mine. I 've been with XXXX for over six years. Therefore, I do n't owe a family mobile bill. I have n't received a letter from them stating that I owe a debt, but calls stating that I owe a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
I was charged {$20.00} for insufficient funds on XXXX/XXXX/2014 on my First Bank XXXX checking account. The funds were never insufficient. The bank actually decided to withdraw twice the amount authorized for a mortgage payment, realized and reversed the error, but not before charging me with insufficient funds. I have been told repeatedly the the {$20.00} fee would be returned. To date no such a think has occurred. Instead their mortgage division stole {$4000.00} from the escrow account. This is being addressed through another complaint, Case number : XXXX. 

I have called, emailed, and complained in person. I have shown them plenty of evidence. This bank is in XXXX so there is absolutely no sense of urgency much less contrition or competence. 

The Bank has no functioning hierarchy. It 's headquarters in XXXX XXXX appear to have NO control, oversight, or desire to account for customer funds or respond to complaints or evidence of theft. 

I ask that when they ask for a 60 day extension that this bureau deny their request for more time to be incompetent and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 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: TX

Complaint narrative:
I paid XXXX XXXX XXXX directly and by law, they must recall the account from Receivables Performamce. Therefore, Receivables Performance has no legal reason to be reporting on my credit reports and must delete.

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 2015-12-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Regional Management Corporation
State: TN

Complaint narrative:
In XX/XX/XXXX, we got into a position where we were unable pay for our check by mail loans and were getting behind. As a result, we contacted each company and did a debt consolidation loan through XXXX federal credit union. The only way XXXX was willing to complete the loan was by having me talk to each creditor and having them personally fax the payoff amount from each creditor. The payoff of each creditor was sent directly to the creditor from the bank ... not us receiving the money. Beginning about a month later, we started getting the check by mail loans through the same creditors because of our credit worthiness. Does not being able to make payments qualify someone as credit worthy? We ran into a situation where we needed the money. Again, we ended up not being able to make the payments and got way behind. We attempted very small payments but lenders were not satisfied with that. The majority of our lenders were willing to arrange for half payments on our accounts. There have been XXXX companies that have continued to harass us, even with making 50 % of original payments. XXXX company is Regional Finance of XXXX, TN. In XX/XX/XXXX, XXXX XXXX XXXX said that we needed to each make XXXX full payment on account and then would be able to work out a reduced payment. We sold off our belongings to get the money. After claiming that he tried to reduce payments for us he stated that he would not be able to because they are a publicly traded company and that accepting partial payments would be breaking contract. I went ahead and sent partial payments for the both of us. We got a phone call from them complaining and I frankly told them that other creditors have worked with us on partial payments. They ended up taking those partial payments for XXXX, XXXX, XXXX, and XX/XX/XXXX. Now they are saying that we either have to form XXXX loan and have them add all of the document fees back in and increasing payment or they are going to send to collection and pursue sueing us, even with making partial payments. That would be forcing us to file bankruptcy, which does n't help this situation-for the company or us and we have been making partial payments. The other company is XXXX XXXX XXXX XXXX XXXX, TN and is nearly the exact same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: SC

Complaint narrative:
THEY REPEATEDLY CALLED MY PHONE THEY HAVE CALLED MY FAMILY AND FRIENDS AND ALSO MY NEW JOB. I AM SCARED TO EVEN ANSWER MY PHONE NOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-05 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: GA

Complaint narrative:
I ordered a combo internet/sattellite dish cable package from XXXX. XXXX said that XXXX needed to come install a line for the internet before they could do their install. XXXX came out 1 day, and less than a day later XXXX came out. They told me that they could not install a dish on my property because they could not find a place that had a satellite signal. They cancelled my service ( no problems with them so far ). I immediately contacted XXXX ( while the dish person was still at my house ). I wanted to make sure I got my small deposit back ( I did ). I returned the equipment that had been left at my house ( I originally thought this was the source of the bill, but it was n't ) What I did not anticipate was a bill about a month later. I was n't even sure what it was for & XXXX could n't even tell me what it was for for about 3 or 4 months. I have XXXX bill that says it was for the service. I attached this. I was told not to pay by a representative, so that we could get it straightened out. I was reported to a collections agency. Then I was told that it was for the installation of the line ( that is n't what the bill says - it indicates a months worth of service and state tax, but the collection agency record says XXXX XXXX XXXX wireline ). Finally I was able, 6 months after the fact, to get a supervisor at XXXX XXXX XXXX to tell me my bill was XXXX & that I do n't have an account anymore and do n't owe them anything. She assured me that it would be reported to the collection agency. It was n't. I am still being hounded. XXXX XXXX XXXX has refused to provided me written proof that I do n't owe them any money ( something I can send to the collector and the credit bureaus that probably have this record ). I have asked them to mail me something, fax me something, but I am always given a runaround ... for instance : this has to go to another department first, and other nonsense. The company is so large and so disorganized, I do n't know where to go to get a resolution. I have lost days of time ( phone calls up to 5 hours long where I 'm passed around, hung up on, etc. ) I have great mental anguish. I refuse to pay the {$200.00} that I do n't owe just to get them to leave me alone. I would feel like a loser. The calls wake me up every day ( I work night shift ). I had gone 6 months without hearing anything, and thought XXXX XXXX XXXX had finally done what they promised, but I started receiving the calls again & received a bill in the mail ( again ) after 6 months of silence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Relin, Goldstein & Crane, LLP
State: NY

Complaint narrative:
I have been on a wild goose chase, just trying to pay one {$200.00} debt that I did n't even know I owed. 

It started when I found out my debt was referred to a group called the XXXX XXXX XXXX. The only information I could find about them was an AOL.com email address, a PO Box and a XXXX business listing that stated they were " Permanently closed. '' I sent them an email and a letter asking for more to confirm their business was a legitimate one. They declined to respond, but one week after I filed my first complaint against them they referred my case to a law firm, Relin , Goldstein & Crane, LLP. I asked that we only communicate by email and they agreed. 

At first they were very responsive, but then I suffered a death in the family and my attention was diverted. At the beginning of this month I started to put my life back together and reached out to them. 

They indicated that they would pursue legal action against me if I failed to pay the debt, however they now have not responded to XXXX communications I sent, eager to resolve this matter. 

This is a small debt that I 'd love to get out of the way, but I do n't want to finance an illegitimate business.

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 2015-08-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had XXXX insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the XXXX and on their constant harassing and threatening phone calls, to no avail. I am now a XXXX XXXX veteran living off of XXXX and declared " unemployable '' due to my injuiries substained while on active duty. 
XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX of the XXXX. They dismissed XXXX accounts and not a XXXX one. This is very disturbing to me. I have a XXXX XXXX XXXX as well as XXXX from being injuired XXXX and this does not help my XXXX. 
During hurricane XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
The 3rd party billing provider on my student loan offers one method of payment to avoid fees/ penalties/ convenience charges- and that is a direct checking account debit. Over the last 2.5years I have tried several times to set-up direct payments but each time there is an " error '' with my information and the payment declines. This has led to negative information reported on my credit record, XXXX dollars in added fees and interest charges, and hours of frustrating phone conversations. I have recently discovered that the problem is the company 's online payment system. The system has only been using XXXX digit entries for routing number and account number. Unfortunately, my checking account number is eleven digits long. The system has only been using the first XXXX digits of my XXXX digit account number that is entered- which in turn has caused the error- resulting in the above mentioned grievances. The company has made no attempt to rectify the situation. I can only wonder how many others have been unfairly charged fees, penalties, added interest, and have had negative credit information reported, all because of a system issue on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 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: MI

Complaint narrative:
I went to XXXX XXXX and they encouraged me to obtain a genesis student loan and federal loans to help pay for the program which was 36,000. I graduated XXXX 2014 from the XXXX program. Some of my class mates have already started getting reimbursements due to the lawsuit with over charging for the program. I want to make sure my case was not over looked

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 2016-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Consultants of California
State: CA

Complaint narrative:
I have asked Collection Consultants to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: CA

Complaint narrative:
I was promised graduation, a job & becoming certified. It spent XXXX for a XXXX program. I successfully finished my program but did n't receive a graduation or a job to pay off my loan. I am currently unemployed with a loan of XXXX that I can not pay off. They did n't help me get a job or find XXXX. I was left basically by myself to look for a job when XXXX was suppose to be promised. I 've wasted time and a lot of money on broken promises on bettering my future. I would like my money back or my loans forgiven. I do n't want to be in debt.

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 2015-12-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
Debt belongs to my deceased husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Delmarva Collections, Inc.
State: MD

Complaint narrative:
Collection service is constantly sending paper notice to collect a debt for someone who does n't reside at my address. I 've spoken to the agency and had the letters sent back to them but the notices keep coming to my address.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank authorized XXXX payments of {$1400.00}, to a school debt collector. This was done after I called and explained to the bank I do not want it authorized, do not release any funds to them. However the bank let this school debt collector take the funds from my account/debit card twice. Meanwhile that I closed both the account and card days prior, because I was advised to, by a td bank representative. The account that I reported was tampered with serval times before. Also it was explained to me, the compromised account was in no check status and taken care of. Now the bank is saying, that I authorized the payments. I reached out to the debt collector and they explained to me, the bank released the payment. TD Bank had the collector, Account Control Technology, send me a letter, stating I must sign to prove I authorized the payments, when I did not. I did n't sign anything. I brought this form to a TD bank, to attach to these payment disputes I filed. This is the proof that I never authorized any payment to be made. Td Bank suggested that I close the card and account because it was compromised. Now I 'm over drawn. They have me over drawn & now the took money from my other checking account and sent it to the one being disputed. This account that they told me was secure and setup for direct deposit, they took that money and applied it to the negative. Then told me it 's nothing they can do, because the account ca n't go into no check status, that it is in fact not closed now. I 've been dealing with this issue since XXXX XXXX. My dispute is not resolved for these wrongful charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 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 Borrower Services, GreatLakes.org appears to be altering Auto Pay plans, and using my yearly renewal of Income Based Repayment plans as an excuse to disrupt my payment schedule, collect more interest, compromise my payment record, and in the end disqualify me from income based repayment benefits. 

Their auto pay system updated my scheduled plan to skip two months of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
I was issued a credit card XX/XX/XXXX through Target Financial services. On my credit report, target is reporting that the date of last payment is XX/XX/XXXX. They are also reporting that my date of XXXX delinquency is XX/XX/XXXX to XXXX and XXXX to XXXX. XXXX merely reports that the account was charged off XX/XX/XXXX. My contention is that if the date of my last payment was XX/XX/XXXX, then my 1st date of delinquency should be XX/XX/XXXX, not XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. I have disputed this account multiple times and Target Financial has validated the information several times with each credit reporting agency. This account is being reported directly to the XXXX credit reporting agencies, and not through a factoring company. Contact directly with the creditor is difficult as the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, I saw a TV sale at Target. I have a Target Credit Card and knew my limit was {$4800.00}. When I tried to purchase a {$840.00} TV online, I was denied. I called Target and was told my limit now was {$200.00}. The Customer Service Person told me that in XXXX 2015 my limit was reduced to {$2000.00} and in XXXX it was again reduced to {$200.00}. The reason for this reduction according to Customer Service was that I had not used the card in at least 9 months. He told me it was not my Credit Score and in 70 days they would review the limit again. However, I needed the TV now. 
The reason of my complaint was that Target never informed me when they reduced my limit not once but XXXX. I even expressed this complaint to Target 's XXXX department.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD bank placed XXXX inquiries on my XXXX credit report. This has caused my credit score to be lowered. They need to do soft inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: NC

Complaint narrative:
On or about 2006 it 's been a long time now my wife and I financed a car through prestige financial services Inc a XXXX during this time we were residents of XXXX az. When the economy tanked we lost everything as many did including XXXX in 401k and this car our home everything even our job. We moved back XXXX lived with family and began the painstaking process of rebuilding this company has never let us rebuild they have haunted tortured threatened cost me a job where I was working a couple years back. And after well over ten years and not hearing from them for three of those they out of the blue send a garnishment to my new employer.in XXXX where garnishment for a car is not allowed! I spoke with the state attorney General today they are stopping this garnishment but the damage this has done with my employer is done. I was up for promotion now?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I haver requested on numerous occasions an interest reduction from Nordstrom Card which I believe is owned by TD Bank. Each time I have requested I am given another excuse as to why I can not be done as previously requested. I was told that " systems were down '' call us back in 30 days and we will lower it, make on time payments for 6 month and it will automatically be reduced. In my most recent discussion with a senior supervisor from Customer Service I was once again denied. I requested a full transcript from the conversation and was promised I would receive but again I was lied to. The ridiculous interest rate 0f nearly 29 % has prevented me from ever paying off this debt, even worse has caused me to fall behind in other areas. Nordstrom Card is avoiding this issue as they know that they are wrong. Please help me recover the extraordinary fees I have been charged. This bank is ripping many off in the same way I am sure.

Company response to consumer: Closed with explanation