vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
Student loan processor ( Heartland/ECSI ) charging RIDICULOUS fees. As much, or greater than XXXX % fee PER PAYMENT on debit cards. Most banks will either not charge processing fees for debit transactions, or charge a VERY VERY small one ( as per Dodd-Frank legislation that passed a while back ) so this is an additional XXXX % ( or more - see attached evidence ) interest burden tacked onto an already burdened population of student loan repayers. For some, who choose not to give these crooks direct access to their bank account, there is no alternative aside from a debit card in order to pay. This additional & gt ; 6 % is just an atrocious fee. Especially when 6 months ago it was not in existence. There was no notice provided by the company, and aside from providing direct access to my bank account, there is no alternative to pay without a fee on debit just like ALL of my other loan processor. Granted, there are only XXXX others that I deal with, however, their practices are MUCH more palatable to the consumer- it is quite apparent that they are providing a service, as opposed to sticking it to their customers for financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
Data furnishers are required by law to fully investigate any dispute that 's brought to their attention. If they do n't, they could face substantial regulatory action from the Consumer Financial Protection Bureau. In XX/XX/XXXX, the CFPB issued a formal bulletin warning lenders and other data furnishers, such as debt collection agencies, that they will be penalized if the CFPB finds they are n't properly investigating consumer disputes. 

First, XXXX XXXX XXXX XXXX XXXX sent a collection agency notice to my parents house and not to me at my address in Texas. 

Second, XXXX XXXX XXXX XXXX XXXX did not investigate my dispute of the invalid debt that I sent them via U.S. Mail and e-mail on XX/XX/XXXX. They reported me as delinquent to the Credit Bureaus and I have experienced significant adverse outcomes as a result of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA

Complaint narrative:
ECSI Heartland ( which just acquired XXXX ) charges a " convenience fee '' of {$.00} for each autodraft payment -- effectively forcing the individual to pay in order to pay their loan. They claim this is for " website maintenance '' for a website which they have said they will no longer update ( this is for the XXXX site ) and that the convenience fee will continued to be used once XXXX borrowers are rolled over to the ECSI Heartland website ( which they wo n't give a timeline for ). This is just another example of student loan servicers profiting off of student loan borrowers after winning lucrative contracts with the federal government. There are plenty of other servicers that do not charge for this. When I asked if I could lodge a complaint, I was told they do not take complaints. Additionally, their website is currently stuck in the XX/XX/1990 and borrowers are n't able to update much on the website without calling or mailing in information to the servicer. When setting up Auotdraft for example, it took a month and half to set up and I never received the correspondence that my autodraft would not be in effect for my next payment ( although I filed it well before their deadlines ). Supposedly this information was mailed to me, but I 'm signed up for XXXX -- also a " service '' that ECSI / XXXX does n't seem to keep updated as none of the correspondence I get is ever electronic.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
In the course of XXXX days I have contacted Receivables Performance XXXX times in writing and requested proof of the debt to be sent to me. I have never heard back from them. By law if they can not provide proof of the debt within 30 days, they have to remove it from the credit report and stop all collection activities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: NC

Complaint narrative:
My wife took out a loan from Regional finance, she had a past due balance of {$840.00}, she was still making her regular payment of {$200.00}, she made payments in XXXX, XXXX and XXXX, today XXXX from regional finance called my wifes cell phone, he did not properly identify himself nor did he read the mini miranda to my wife, the first words out of his mouth " where is my money '' My wife responded " I already sent the payment for {$200.00} '' he replied " that is not our agreement, I am sending your payment back '' my wife was very upset and brought me up to speed on this loan, i then called back and spoke to XXXX, asked him for his full name he refused to give me his last name or employee id gave me the number to their corporate office, i called and left a message for someone to call me back, I received a call from XXXX XXXX who claims he is the direct boss for XXXX, i began to try and explain my concerns over this collector managers actions, telling him his collector is calling my wife every day dates of calls XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX and XXXX he left messages both times on the same day " this is XXXX regional finance need you to call me now '', XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX and today XXXX/XXXX/16, that he is threatening legal action on XXXX/XXXX/16, they never filled legal actions after saying they will, then i tried to explain to the regional manger his collector told my wife because she did not send in the entire past due bal he was going to send her payment back, he would not allow me a chance to fully express my concerns he kept telling me to get off his phone he is to busy to talk to me, that his collector did nothing wrong, for me to get an attorney, called me buddy told him do not call me a buddy, im not your buddy do not disrespect me like that told me to shut up, then attempted to put me on a speaker phone so the entire office could hear the phone call told him he does not have permission to put me on speaker phone we argued and then he hung up on me, i called back and recorded the call he continued to argue with me telling me i had 5 minuets to talk to him, would not allow me a chance to express my concerns we continued to argue and he hung up on me again, prior to hanging up he used a XXXX slur against me, he also told me to shut up and that i only had 5 minuets to talk to him, all this and more is on a recorded line

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Consultants of California
State: CA

Complaint narrative:
Collection Consultants is reporting a collection account on all XXXX credit bureaus illegally. I had a medical bill with a hospital. I had a payment plan with the hospital while I was investigating the charges. I had NEVER gotten a bill that I demanded. I do not believe I owe this. I disagree that I received some services or goods at the hospital. Neither did my insurance company. Nobody ( not the hospital or Collection Consultants ) has been able to provide to me an itemization of the total bill. When I questioned this the hospital sent the bill to Collection Consultants even though I was paying them. They just stopped sending bills then Collection Consultants sent me a letter demanding the payment in full. I called. I told them I was investigating the charges and that I needed them to send me a copy of their HIPPA compliant agreement with the hospital, a copy of their assignment, and an itemization of the bill including anything that I authorized. They never provided this information. They never validated the debt in accordance with the Fair Debt Collection Practices Act. I did pay them only because I did NOT want it to go on my credit and I was assured it would be removed. The representative said at the end of my XXXX payment plan it would be removed from my credit. This did not happen. They deceived me and did not validate it. They have XXXX things I have issue with. 1- I do not believe they followed HIPPA laws. 2- They have reported this to the bureaus when they did not have a legal right do so because they did not validate their legal right to when requested, 3- they used deceptive practices to collect the debt. They promised me it would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
XXXX is by far the worst mobile phone company in the nation. I spent thousands of dollars on their service and products over the years only to deal with call drops, account overages, and poor customer service. It is a small amount in dispute and they have dropped my credit score over XXXX points in a matter of 1 week. I have been working hard to build my credit over the past year just to have it ruined by a XXXX company. I will never do business with XXXX again and will persuade all of my family and friends to switch to any other carrier.

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 2015-12-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
This is a different account that this collection agency tries to continue to collect on but they have yet to produce a promise to pay with my signature or a HIPPA release giving this 3rd party permission to have my medical information. I never received anything on this account giving me 30 days to dispute the validity of the debt as well as when requesting information about the accounts they continue to report on my credit report, they included someone elses medical information and someone elses bill in with my information. Besides not having the promise to pay or the HIPPA release as well as never notifiying me they had purchased the debt giving me 30 days to dispute the validity of the debt, they are extremely irresponsible with people 's personal medical records obviously.

Company response to consumer: Closed
Consumer complaint received 2016-12-19 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: First Advantage LNS Inc.
State: TX

Complaint narrative:
In XXXX we lived in XXXX Apartments. My husband XXXX received military orders to move to a unit in XXXX. Per the military clause in our lease agreement we needed to provide the orders to the leasing office and give a 30 day move out this ensures the lease would be terminated properly without additional money being due ( i.e re-letting fee ). I followed the exact process and my move out was approved. During my final month in the apartment as I was packing I received a knock at the door it was the Sheriff bringing eviction paperwork. I informed the sheriff I was moving due to a PCS ( permanent change of station ) ordered by the military and he instructed me to go file an answer with the courthouse. I did just that. I brought the eviction paperwork from the sheriff, our orders, & the letter from the apartments approving the move out and the case was dismissed and we were allowed to continue our move out as scheduled without harassment. At the end of the month my family left the apartment turned in our keys and continued on to XXXX. XXXX XXXX 7 months from the courts dismissal the apartments were used as a reference on an application for a new home we were interested in renting, we were subsequently denied because a report was sent to the property management company saying we broke our lease. Needless to say I contacted the apartment and was told by XXXX XXXX that she was referring us to a collection agency and would not send us any documentation on how or why we owed money. Since that time we have been trying without resolution to get answers and get this debt removed. This debt has destroyed both mine and my husbands credit. I believe due to my personal history with XXXX XXXX that she decided to furnish false documents to hinder us from being able to rent anywhere in the state of XXXX. I believe this to be the product of malicious intent because again we followed the law, the case was dismissed and nothing was ever reported until after we needed to use them as a reference. To date, we have been denied credit, apartments and a mortgage loan due to this action and on top of that our score has plummeted several points. I will also add the eviction that she attempted to do she knowingly lied on court documents stating that we were not affiliated at all with the military. This past weekend I stopped by the apartments and was able to get a copy of our " charges '' and found that the information included damages, furniture removal, eviction fees and reletting fees. This could n't be further from the truth. My court documents substantiate the false claims.This complex specifically XXXX XXXX is doing this for her own vindictive reasons and she should be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, I borrowed {$2000.00} from TITLEMAX of Ga. 
I made payments as agreed and sometimes more to bring down capital. I have been making payments for 3years totalling over {$12000.00} on a {$2000.00} loan. XX/XX/XXXX the car brokedown and is not drivable and too expensive for me to fix. 
FIRST OFFER i made. I gave Titlemax the address where the car was located and advised them to go pick it up in lieu of anymore payments and closeout my account. They never picked up the car. Instaed, they kept calling me and demanding payments. I made futher payments. 
SECOND OFFER i made. On XX/XX/XXXX, I made a payment to Titlemax and I ALSO OFFERED THEM {$1000.00} as full payment to closeout and settle the account in FULL. I had a friend who was willing to loan me the {$1000.00}. I presented this offer to XXXX, the manager at the XXXX store, who promptly sent email of my offer to his boss immediately. He promised me it will only take 2days to get a decission. I made it clear that I could no longer afford monthly payments and the payment was my last and my offer was final. I had been making payments since XX/XX/XXXX totalling over {$12000.00} and can not make anymore. 
It 's been 2months and Titlemax has yet to accept my offer. Instaed, they keep calling me demanding a payment of almost {$3000.00}, which I can not afford. 
THEY HAVE BEEN VERY UNFAIR AND VERY GREEDY AND IMPOSSIBLE TO DEAL WITH. 
My offer is fair considering ALL THE MONEY THEY MADE FROM ME ALREADY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
On XXXX I originated an external transfer from my XXXX XXXX XXXX account to my TD Bank account for {$250.00}. At no time was I advised there would be a fee for this transfer. In fact, the confirmation I received clearly stated no fee associated with transfer. Checking my XXXX account on XXXX, I noticed a misc fee of {$3.00} being charged. I contacted XXXX on XXXX they informed me this fee originated from TD Bank for transfer. I called TD Bank on XXXX and was informed that yes, there is a fee assessed. I advised fee never disclosed as required by law they either refund or I file a complaint. The customer service rep refunded me the {$3.00} to my TD Bank account. On XXXX I checked my XXXX account and noticed this time XXXX {$3.00} fees have been deducted by TD Bank . I contacted TD Bank customer service, speaking with XXXX - Customer Service Manager. I informed him what had transpired yesterday and that today TD Bank has re-assessed me the original fee, the refunded fee and an additional fee. XXXX indicated he is not going to refund the fees because there is nothing he can do. I again informed TD Bank that the assessment of the fee was not advertised and in my opinion is in violation of the law. I further informed XXXX that if I did not get the fees refunded I would be filing a formal complaint - he told me to do what I felt I had to do. I

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 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: SC

Complaint narrative:
Great Lakes has just initiated a new policy. Based on the way monthly payments are not structured, borrowers pay higher interest rate. Under the new policy, all auto-pay payments are processed on the XXXX - the last day of the billing cycle. If a borrower wants to then make an additional payment, it will be applied to next month 's minimum loan amount ( instead of the principle of the highest interest loan ). 

For example, I made my monthly auto-pay on the XXXX of XXXX. Less than 24 hours later, I made an additional {$900.00} payment so the entire payment would be applied to the principal of my loan. Great Lakes informed me that the additional payment is now being applied to the *next* billing cycle ( XXXX ). Instead of lowering the principal of my loan, it 's being applied as a minimum monthly payment for XXXX. 

If I were to make the {$900.00} payment earlier in the month, ( on the XXXX, for example ) before the auto-pay processed, I would be paying interest from the date of that payment until auto-pay. So my {$900.00} payment on the first would be applied to the minimum monthly payment and then I would pay interest for two additional weeks until my autopay processed on XXXX XXXX. Instead of paying on the first, if I make it on the XXXX, the payment goes to the next billing cycle and is applied as my minimum monthly payment. Inevitably, this means that borrowers pay additional interest on their loans. 

( Prior to this, a borrower could pay via autopay and then, within the same month, make a payment to lower their principal. I had done this for months until Great Lakes instituted this new policy )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
In XXXX XXXX 2016 we mailed our payment into TD Autofinance. They lost it. However they starting calling twice a day, leaving voice mails ; in said " call by XXXX or this is your last chance ''. On XXXX XXXX they suddenly found the XX/XX/XXXX payment and applied it. Just a few days before cashing the XX/XX/XXXX payment on XXXX XXXX. The account is now current plus a little extra. My entire life I have been on time with payments - even paid cars off early. Today - XXXX XXXX a letter arrived in the mail saying they are going to report me to the credit bureaus for being late. How is that possible when they lost the payment ( that was dated XXXX XXXX ) and found it over a month later. 

If you have a choice - do n't use this company. I had no choice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-13 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: Credit Adjustments Inc
State: OH

Complaint narrative:
The Pharmacy Counter, XXXX XXXX XXXX XXXX, XXXX, OH,XXXX, loaned a XXXX to me for my child. I returned the device with a co-payment remaining from myincurance company of {$19.00}, on XXXX/XXXX/2015. I was asked by The Phramcy Counter to pay that co-payment before leaving, so ( with child in hand ) I did. I made a payment with my bank debit card on site. 
A few weeks later I receveied a bill in the mail from The Pharmacy counter for the same amount ( {$19.00} ), which I had already paid. Thinking that it must have been an oversight on the Pharmacy Counter 's part, I shreded the bill and thought nothing of it. 
About a month or so later, I received a letter in the mai lfrom Credit Adustments Inc, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX, attempting to collect {$19.00} for The Phramacy Counter, which I paid on XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had an overdraft fee of {$100.00} just about for TDBank. I go to open an account at XXXX Bank and I am denied due to the fact the back closed the account which I knew but hadno idea that it would go to a collection agency. Then I had paid it off and went to open the account because I was told that TDBAnk was only holding my account through their Credit systems and it would be clear. Well I went the next day to open my account and still could not. I need this account for my new job and it is very important. How can I fix this problem as soon as possible?

Company response to consumer: Closed with non-monetary relief