vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
after speaking with Prestige financial regarding my inability to pay they assisted with a deferment for XX/XX/XXXX and XX/XX/XXXX due to job loss acct is currently 17 days late I contacted the company to advise of employment at XXXX XXXX - which is employer previously on file due to lay offs and that first pay would be XXXX/XXXX/XXXX in which is not a 30 day delinquency. Payment are due the XXXX of every month. I was threatened by repossession by XXXX XXXX who has been the acct manager of the acct for the last 2 years. account has been opened and in good standing since XX/XX/XXXX w/o any negative reported delinquencies. I have always made more than the monthly due which is XXXX monthly and was never advised of late fees needing to be paid immediately however I was quoted a XXXX balance and was threatened that if amount was not remitted including fees I was be repossessed. This was a surprise because prior to XX/XX/XXXX and XX/XX/XXXX deferment I was paying 400 monthly and was never advised of the fees nor given the option to execute pay down of late balance- He utilized the late fee balance as a tactic to put fear in me. I 've spoken with XXXX each month a payment was made and Never was I advised. correspondence was by phone -initiated by me and email- considering I was on a cease and desist. due to prior harassment calls prior to my due date. I was yelled at and disconnected on by XXXX XXXX when trying to create a resolution and promise to pay. I called back and spoke with customer service - this all happened on XXXX XXXX XXXX who escalated my call to a VP I left a voicemail advising of the situation and provided and account number and a brief description of my call and as of now its been 7 days and no follow up from Prestige Financial. In the recording I made it clear to immediately change my account manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD BANK COMPLAINT XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX My father in law is doing a refinance with TD BANK. He was dealing with a XXXX XXXX, and his Loan Officer Assistant XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX, FL XXXX. 
UNETHICALLY and in violation of RESPA Documents were sent to my father in law, by email from a XXXX XXXX, a XXXX and other items which are filled out incorrectly. 
My father in law paid for an appraisal already which is wrong because he never signed documents in reference to this refinance. 
The XXXX shows the loan as a primary residence which is wrong because it 's an investment property, and its showing my father in law, cash to close of {$2800.00}. The loan amount is wrong and is deceiving to show a LOWER loan amount of {$180000.00} even. 
Page XXXX of the XXXX, the DECLARATIONS section XXXX is filled out incorrectly. 
The loan amount is wrong and shows a much lower amount which is deceiving. 
Documents were sent by email BY XXXX XXXX and loan officer assistant to XXXX XXXX. The email enclosed by PDF documents to sign, which included a XXXX. 
This is wrong and is out of compliance per RESPA. 
My father in law paid for an appraisal before ever E-SIGNING or receiving document 's for the refinance. 
I have attempted to call XXXX and speak with a manager but no one is calling me or my father in law back. XXXX XXXX has not been able to be reached by phone. I have spoken with a XXXX XXXX who has been rude with me as well, and has prevented me from speaking with a manager also. 
It seems to me everyone within this location is protecting each other and no one wants to take responsibility for this UNETHICAL behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Abbott Osborn Jacobs PLC
State: MO

Complaint narrative:
I now have a judgement against me from XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX for private student loans totaling they say for {$130000.00}. That is the lump sum they want or {$800.00} a month payments which I can not afford either. I have tried working out arrangements with them and at first they would take a {$100.00} a month but since I was not able to right then and I asked for paperwork for proof of my payments they wont accept that now they want those big amounts. They also wanted to raise my payments each year by a bunch and I could not say it was okay because I am unemployed and due to circumstances I will not be able to return to work. I have XXXX children to feed, cloth, and raise I simply can not afford that so I am begging you for help!!! These private student loans are killing me and others and shortly my Federal loans are coming up. I am currently on a financial hardship for 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 2016-08-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Senex Services Corp.
State: MO

Complaint narrative:
XXXX XXXX medical Center has issued financial aid regarding past due accounts. XXXX accounts have been cleared for removal of debt, regarding the original company accounts. Letters have been distributed to agency for removal of debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
I opened a XXXX XXXX jewelers credit card in XXXX XXXX that had a 0 % promotional APR for 12 months, and a credit limit of {$3500.00}. I charged the account to {$1000.00}. I did not receive any billing statements for months, and when I went to the retail store in question ( XXXX XXXX ) in XXXX XXXX, the employee there told me that I did not owe a payment, but that once I did, I would receive a statement in the mail. I received no statements in the mail. In XXXX XXXX I reviewed my credit report and saw that late payment information had been accumulating on this account since I opened it. I called the bank ( XXXX, in this case ), and they confirmed that all mailed statements had been returned to their office, and that I had not received them. I promptly made a {$300.00} payment on the account to bring it into good standing. They agreed to remove all the late fees that had accumulated. I then asked that they reinstate my original credit limit, and remove the derogatory payment info on my account, and they asked that I make this request in writing. I have done so, but am looking for support from the CFPB to ensure that I am treated fairly in this case, because I received my new statement recently, and noticed several issues : 1. The bank had removed late fees, but changed the promotional 0 % APR period to XXXX/XXXX/XXXX from XXXX/XXXX/XXXX, which they did not mention to me on the phone. The amount of {$170.00} was charged as interest for that month. 
2. The bank began charging late fees in XXXX XXXX, even after having received my monthly payment on time in XXXX, and waiving the late fees for previous months. 
3. The bank changed my payment due date from the XXXX of the month to the XXXX of the month, also without notifying me of that. 
4. Every time I attempt to have a phone conversation with the employees of this bank, I end up getting the runaround, being transferred to multiple departments, often times from XXXX department to the other back and forth repeatedly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Senex Services Corp.
State: MO

Complaint narrative:
Financial aid through the hospital forgave account balances in full. Removal of owed debts are now XXXX balance. Senex Services Corporation have failed to respond to my notices regarding removal of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I had a loan in place, I called on XXXX/XXXX/2015 to confirm the process of paying off my loan on my due date of XXXX/XXXX/2015. I was told to execute an extension online ; so that my interest payment would be deducted from my account on Friday and thane I had 24 hours from that deduction to pay off the principle to prevent additional loan fees from reaccuring. 

I did exactly that ; but when I called in the morning approximately 6 hours after my {$250.00} fee payment was deducted, they tried to make me pay an additional {$250.00} loan fee. 

This company practices are illegal in the state of Nevada and should not bee allowed to operate here. 

After I informed them as to my position in this state and knowledge of the law, they then told me they would allow me to make the payment on just the principle as a courtesy. I made it clear that they broke the law and was not extenuating a courtesy. Les knowledgeable consumers would had and are most likely being scammed by this process.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
This is my second complaint. TD Bank continues reduce my credit limit after I make large payments. My credit limit was originally approved for {$8000.00} then reduced to {$5000.00} now it is reduced for {$4000.00}. 

I am being penalized for paying off my loan early. In addition, they do not communicate the change in credit line on my statement, in a letter or email. In fact they have removed my credit limit line item on my statement. It always states zero now. 

They are negatively impacting my credit score when in fact it should be positively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renton Collections Inc.
State: WA

Complaint narrative:
After reviewing my credit report I saw that I owe Renton Collections for a dental bill that had went into collections. The amount stated is {$280.00}. I called Friday XXXX XXXX asking if they would do a settlement on what I owe. I was told no that I owe {$280.00} and I could either pay that full amount or make two payments of {$140.00}. I said okay I will talk with my husband and see what I can pay and call back. Three business days later I called back to go ahead and just pay the full amount of {$280.00}. I was then told by the guy, XXXX XXXX, that I owe {$420.00}. To my surprise, I said what?, I just called friday and was told that I owe {$280.00} and that I can pay it in full or make two payments of {$140.00} and that they do n't do settlements. I said yes I got that but why did it go from {$280.00} to {$420.00} in three days? He says interest. I then said okay I need to figure something out then. I called back an hour later and asked to speak to a supervisor. Her name was XXXX XXXX, I explained to her my XXXX conversations with the previous agents and she then tells me I owe {$480.00}. I 'm trying to ask about how it went from {$280.00} to {$420.00} and then to {$480.00} all in three business days and she says I must have my numbers wrong and kept bringing up the fact they do n't do settlements. I kept stating, I know that, I want to know why the balance has changed so much. She did not want to answer my direct question why the difference. I got so frustrated I just hung up. It 's upsetting that they treat customers who are trying to pay off a debt now that they 're able to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Mediation Recovery Center
State: PA

Complaint narrative:
I received a phone call from a lady named XXXX. She started giving out information about me before even making sure she was speaking to me. She did not tell me the call was being record. She stated that I owe a debt. I kindly asked her not call me on my cell phone and she said fine and asked for another number. I advised her that I do not have another phone number. She said that she had my work phone number. I told her she is to not call my employer. She said she was not calling me at work but she would be calling my HR department to advise them of my debt to verify my employment. I advised her she is not allowed to contact my employer and she said she has every right to contact my employer. I kept repeating NOT to call my employer and she told me to have a nice day and hung up on me. I called back and asked for a supervisor. I spoke to XXXX who also said they have every right to contact my employer. I told him that he is NOT to call my employer and she said they were going to call them even though I told them not to. I felt threaten by this company that they were trying to have me fired from my job. The debt they are trying to collect on is 12 years old and has been sold from collection agency to collection agency. This company uses threat tactics to get people to pay and they are not allowed to threaten me or anyone else.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Cedars Business Services, LLC
State: VA

Complaint narrative:
I was contacted by Ceder Financial stating that I owed the XXXX University money. First I requested proof of that debt because I didnt believe it was as much as they claimed it took several calls before that information was provided. I offered to pay {$50.00} a month towards the debt but they have refused that amount. They requested that I completed a XXXX page asset background form and pay {$250.00} upfront payment to keep the collection off my credit report. I have told them several times that I cant afford it but they still are asking me to pay {$250.00} upfront and XXXX a month for 6 months and then the amount will be increased to XXXX They have also threatened to take my federal tax return. I explained to them that I work for a non-profit company and i am also paying back student loans. I dont know that they can refuse the payment I have offered due to my tight budget. I was going to borrow the money but it would put me in a bad situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: The Bureaus, Inc.
State: IA

Complaint narrative:
I spoke with the collection agency person named XXXX XXXX and she was completely abusive and unwilling to work with me on anything. Told me she pulled my credit report and she proceeded to tell me that I was current with all other payments, which I was not. When I asked if I could make a payment arrangement she said, " You have NO money! How do you want to make a payment arrangement?! '' Told me to " borrow money from your mom ''. I repeatedly asked her if I was able to make a payment arrangement and she gave me no choice but to pay the amount in full. I told her I could not do that and she responded with " I 'll just send this back to the company saying you are refusing to pay this! '' Which I was not. I repeated multiple times that I was not refusing to pay it. When I told her that I could set up a payment arrangement she laughed at the amount I gave her that I was willing to pay. She then hung up on me. I sincerely hope that the call was recorded because she was completely inappropriate and unwilling to make any arrangement. I hope this is not how the company conducts their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I had insurance coverage however for some reason they did not try to collect payment until a very later date and I have proved to them I was covered and they bill should be going to XXXX XXXX and XXXX XXXX of Florida. However they placed this on my credit and it is destroying me from moving forward in life with loans and etc.

Company response to consumer: Closed
Consumer complaint received 2016-12-13 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: Cedars Business Services, LLC
State: CA

Complaint narrative:
While in XXXX allegedly a camera issued an electronic restricted parking violation. There was no paper ticket left with the car, no person present that issued the ticket, no photographic evidence showing the car was near a sign specifying no parking. There is no proof of any kind of a violation other than the XXXX/ debt collector 's paperwork that is in XXXX and they could translate. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Duvera Billing Services, LLC
State: WI

Complaint narrative:
I obtained a loan to purchase a bedroom set from a local furniture company. I had the cash on me to make the purchase but the store owner told me that I could build my credit by financing the furniture. the total was a little over XXXX and I figured I could pay that off in no time while increasing my credit score. the furniture was financed through Duvera Billing. I have made my monthly payments on time which is XXXX and checked the account and was floored to find that I still owe the same amount after 5 months of payments. I called Duvera to get more information and was appalled when the representative told me that I have an interest rate of 96 %!!! Is that even legal?? I need help! Is there a way to legally get out of this contract without affecting my credit?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Information Management Corporation
State: WY

Complaint narrative:
I have asked Account Information Management Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc.
State: OH

Complaint narrative:
Received numerous calls and messages per day. Agents threatened to go after my mother and her home. Agents threatened to garnish my wages and my mother 's wages. Agents refused to accept that I was unable to pay. They coerced me into liquidating my retirement fund at huge penalties to get them money ( I feared they were going to take my mother 's house ). Even after doing so to get into a payment plan, they have continued to call and ask for more money than the agreed payment plan. They have also on more than one occasion double charged my account for the same payment ( essentially attempted to take XXXX payments instead of XXXX in XXXX separate months, requiring me to contact my bank to get the second payments stopped ). This was done without my consent and without any notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: R & B Corporation of Virginia
State: IL

Complaint narrative:
On XX/XX/2017 I spoke with XXXX ( extension XXXX ) at Credit Control Corporation who was not able to give me any information on the alleged debt that I owed and refused to answer any of my questions. She was not able to provide me any form of evidence with my signature on it between me, them, or XXXX. I have no dealings with this company and owe them no debt. They are illegally reporting this on my credit profiles and it is adversely affecting my credit score. As of today XX/XX/2017 I called again and spoke with XXXX who again was unable to send me any information with my signature on it on any agreements or contracts between me, them, or XXXX. She told me that the itemized statement is enough to validate it and it is not.They have absolutely no documentation whatsoever with my signature on it and refused to give me their license number or prove they are authorized to collect in my state.This is also day two that they claim a supervisor is not available.They are also one of two separate companies trying to collect on this same debt. They are reporting twice for different amounts ( {$210.00} & {$250.00} ). This is unable to be validated or verified and must be deleted per the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solutions To Portfolios, LLC
State: MI

Complaint narrative:
XXXX XXXX from XXXX XXXX calls approximately 10-20 times per week from multiple numbers. He never leaves a message. The only way I know his name is because he called and demanded to speak to my employer and accidentally called my boss while doing so. I have called and asked him to cease all verbal communication and contact via written correspondence only but he told me that he is going to " file paperwork '' and have me arrested if I do n't pay a loan which he discloses nothing about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation