vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-13 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: IL

Complaint narrative:
My loans are being serviced by the Great Lakes, and I believe there are several UDAAP issues. 

First of all, the website claims that the payments will go towards interest first, and then towards the principal balance of the loan with the highest interest rate. I have the screenshots of that language that I have provided. However, this is not the case. My payments have been allocated towards all loans, including the ones with the lower interest rate, resulting in higher interest earned on my loans. The website has recently introduced a feature that allowed the customers to choose which loan they would like to allocate their payments to. However, even though I have chosen specifically the loan with the highest interest rate, my payments have still allocated towards all loans. 

The second issue I found was with the payoff amount. When looking at the payoff amount on the website, the amount I was quoted was {$12000.00} as of XX/XX/2016. However, including the interest earned through XX/XX/2016, my total payoff amount should only be {$12000.00}. The quote includes an additional 10 days of interest that I should not have to pay if I were to pay off the loan on that date. The amount is overstated in a deceptive manner. I have included the payoff quote print out for your review, as well as a print out of my accounts, interest rates, and balances for each of my loans. 

When I contacted the customer service regarding these issues, my disputes were not addressed properly, as I was simply given the same information that was provided on the website regarding the allocation of payments, that did not match what was actually happening with my account. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Have had TD Bank XXXX checking for XXXX years maybe XXXX from XX/XX/XXXX til XX/XX/XXXX. What made me breakup my relationship with them is that, usually when I deposit a check, I have either 50 to 70 % of that paycheck available and onetime I when to buy transit fare, they charged me for overdraft despite the money was there and available, this continued XXXX or XXXX more times without my balance ever dropping to {$0.00} balance. The fee 's would multiply and pop-up and cleaning me out. So I tried cutting my ties and these ridiculous penalties they pressed upon popped up and I was n't happy and just opened another account with a local bank. They closed my account after a week or XXXX without me being able to settle and I was reported to XXXX. I settled my balance with them after a month but I can not open any new accounts, not even with my wife 's name attached as a joint holder. I just moved and my current bank is nowhere near my home and i have to spend either XXXX minutes to an hour after my XXXX shift to deposit or withdraw funds or wait til I 'm visiting my sister 's home and making a quick stop to check my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was reviewing my credit report and found a chargeoff for {$21.00} was reported, along with 60 months of XXXX 's for {$21.00} balance. I do n't have any record of them contacting me collections or otherwise. I feel like they may have bad email address and were only sending email notices. I was sure I had closed this account and had no balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
the amount of XXXX is owe to me by XXXX XXXX XXXX and I received a beived a personal check and it had insufficient funds. account was open by a person I did not do business with and it had the contractor signature on check. Need to expose this person he does not scam anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 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: PA

Complaint narrative:
I decide to attend XXXX ( XXXX ) through there online courses from XXXX when I graduate in late XXXX. From the start the process to enroll and the classes themselves seemed way to easy but I was eager to get a degree and start my dream career. After graduating it took months of constant contact asking where my diploma was. Meanwhile they kept telling me it 's on it 's way in the mail. Finally 6 months after graduating it arrived. 
Now a few years later I 'm still not able to get a job in my field so I 've been doing research and find out the school is not legit and is not an accredited school. 
It 's financially breaking me to keep paying these loans. On top of that it 's also breaking my parents financial as well because they took on the responsibility of a large part of my loans because after the first 6months to a year I did n't qualify for financial aid. 
All I want is to be relieved of my remain 7-8 years left in my loan and to finally be able to have a chance to make it in the future without this debt. Even more so I 'd love to be able to tell my family that they no longer have to worry about the loan they took on for me, as they are paying more than I am per month. 
Any help would greatly be appreciated! 

Thank you, 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 2015-06-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
I am currently purchasing a car, financed by Prestige Financial Services. The day before the due date, the persistent calls, text, and emails start. If I am late the emails become very rude, abrasive and threatening. When it 's brought to their attention the context of the email, the answer is, anyways it needs to be paid. Upon further investigation and trying to refinance the vehicle, I 've found out I owe XXXX on what the car is worth at the moment. The crude and inconsiderate tactics of this company alone makes a consumer not ever want to deal with them again. I have contacted the XXXX previously and the calls, text, and emails stopped for about XXXX months. Only to be turned over to another finance person and the calls and emails are more rude and threatening as ever. I was unaware that there is no grace period available on this loan, however, I always pay the bill monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, 2016 deposited XXXX XXXX into our acct. @ TD Bank in the amt. of US {$5400.00}. On XXXX XXXX, 2016, noticed my acct. at TD Bank was debited in the same amt. To date no response after calling several times from either XXXX ( NY ) Branch Mgr., XXXX , or regional supervisor, XXXX XXXX XXXX What to do?. This is plain and simple : XXXX of my funds with no explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21 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: OR

Complaint narrative:
I 've been paying {$400.00} to great lakes higher education to assist my son, XXXX XXXX, in paying his student loan. I 've made XXXX $ 400 monthly payments since XXXX 2016 thru my XXXX XXXX XXXX online bill pay account. XXXX XXXX XXXX has sent the funs electronically to Great Lakes after we provided an account number. The XXXX payment was never credited to my sons account. After multiple inquiries, Great Lakes told my son that they ca n't credit XXXX payment because it was sent to wrong address - even tho the funds were sent electronically. Great lakes was selected from XXXX website list of payees - there is no address or Great Lakes account to select or that could be selected incorrectly. Furthermore, great lakes says it will take 30-45 days to return the money. I canceled the XXXX payment on XXXX XXXX XXXX website but it was paid anyway ( I have no documentation that I canceled it, but remember doing so ). XXXX XXXX XXXX has made feeble attempts at solving issue, even though it appears they paid wrong account. XXXX XXXX XXXX essentially made one phone call in which great lakes refused to speak with them without me. I was never contacted to be on that call, but I 'm not even the loan account holder. I would like immediate return of XXXX and XXXX {$400.00} payments - {$800.00} total. And I would like some action taken that prevents companies from Great Lakes and XXXX XXXX XXXX from this fraudulent activity - namely, Great Lakes for taking my money and holding onto it for an unreasonable ( and probably illegal ) amount of time ; and XXXX XXXX XXXX for not restoring funds to my account after they incorrectly paid a payee. 

thank you XXXX 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 2016-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
said debt was gaining interest ... when in fact I do n't owe anything at all. also they tried to get my SS number

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 2017-03-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Consultants of California
State: CA

Complaint narrative:
Sending me bills for an unverified debt. I sent a letter by certified mail in XXXX of 2016 request validation of debt, a breakdown of amount owed, and proof of my signature from the provider giving consent to release my medical records. 

The only thing I received in return was the amount that 's owed and where to send the money to. The debt was never verified per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Regional Management Corporation
State: AL

Complaint narrative:
I had no acknowledgment of account. I have disputed it over and over even just gave up and tried to just pay with XXXX to get it off my reports. Its bringing my score way down cause now they charged it off and now it is showing late payments or deliquient. I 'm just trying to survive and trying my very best to build my credit. I had Insurance but never was ask for a payment anywhere I seek care unless I owe a co pay. I have n't heard of these people and I have got some deleted from one of the credit bureas. Jobs look at credit just as well as banks. I cant even get a loan to get out of high interest I 'm paying cause my score aint good enough for the bank and I bank with them. I 'm 100 % on time with payments I just would like to have a relationship with my bank for a lower interest rate than I 'm paying.but those XXXX charge off is killing my score. I just wish I could find some help to get them off. I 'm scared and hard to trust people that say they can get them off for XXXX I was told long time ago after paying a XXXX dollars to help get anything removed from my ex and told me all I had to do was go to the bank ask to borrow XXXX dollars and leave it in there and just pay the payment after six months after I handwriiten letters envelope and stamp with sign receipt of it to all the creditors so I did nothing happen after I did all that and went to the bank and told them what I was told from a lawyer I paid to help me get it cleared up they said they ai n't sure why he told you that but we ca n't do that. I just do n't know what to do. I want to start a XXXX out of my home and build accounts and grow but I do n't even know if I 'm able to try that. please help anything advice, whatever. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 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: FL

Complaint narrative:
My name XXXX XXXX was enrolled in the XXXX in XXXX XXXX located on XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. I XXXX in 2014 however, after the XXXX they told me apart of the program completion, they would be helping me with training, assistance with studying for the test XXXX and XXXX assistance. This was apart of my tuition agreement and program for this institution. I agreed to pay XXXX loans XXXX XXXX and Genesis Lending ( a private loan given by the school ) because of the promises given that I would be assisted through out until I find work. Unfortunately, all these promises during and after graduation was not met because the school was forced to close. According to a recent article " Accused of misleading students and falsifying records, XXXX of Florida 's -- and the nation 's -- largest private, for-profit college chains is being forced to sell campuses or close its doors. '' I am a student who has suffered from this malpractice and now owes XXXX loans, with no job. I made faithful payments to Genesis Lending and I would like to be refunded the money. I have called the Florida Department of Education. 

Read more here : XXXX

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 2015-04-18 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:
I am a XXXX veteran. After XXXX XXXX destroyed the VA hospital, we were advised to seek emergency treatment at the nearest facility and we will be reimbursed. In XXXX XX/XX/2011, I used XXXX Ambulance service to rush me to the nearest hospital, and my family and I advised them that VA was my only insurance. They failed to submit a claim to VA and put me in collections. during the 2 year period they had to submit a claim, they nor their collection agency never called me. I assume is because they can get away with billing me over {$XXXX}. But, they could only bill VA a minimal amount. I recently requested that they submit the request for payment with the VA, the XXXX Representative declined to respond. I believe this is a deceptive practice aimed at getting more money from the patient, then the government.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Prepaid card — Transit card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: IA

Complaint narrative:
Western Union Prepaid XXXX XXXX, has extended my dispute to XXXX calender days, which I know is illegal by federal regulation XXXX, in the process of dispute, is it required that a financial institution resolve all disputes between XXXX and XXXX, then 30 days, but only after not being able to find what they are looking for. Then by law, they are required to give a decision after 30 days. And if the evidence doesnt give either way, then they are required to send a letter, stating that it was unfounded due to insufficient information. XXXX calender days to make a decision, I do n't think so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I recently contacted Navient to start a payment plan on my private which I owe a crazy amount of XXXX or so. The man I spoke to was very helpful and stated he could lower my payment to XXXX a month and I was ok with that. However, I kept receiving emails my account was past due. When I called Navient reps were not aware I was on a payment plan and transferred me back tot the man that had originally set me up with a plan. The man stated that the payment plan had been declined and did not provide a reason and that the full XXXX a month was due plus late fees. I was appualled no one informed me that the payment plan on based upon approval and the man still took my payment of XXXX for the month of XXXX and did not cancel my future payments of XXXX for the next XXXX years. I tried to negotiate another payment plan and he said I did not have any other options and they my loan would go into default. I am currently in good standing with my federal however Navient is not working with me on my private loans. My private loan is XXXX years old and the interest rates are over the roof! I never was counseled by XXXX or XXXX XXXX XXXX know known as XXXX XXXX about getting private loans. I strongly feel I was a victim in getting into private loans. The schools took advantage that I had no family support to continue my education and lured me into private loans. I was always under the impression that I had only federal loans. Navient is ruining lives and I strongly feel the government should punish them. I have been trying numerous times to work XXXX XXXX and now Navient on my private loans. I am just asking for a affordable payment! Please help me find a solution I do n't want this to go into a legal battle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 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: Cascade Capital, LLC
State: OH

Complaint narrative:
Some 5 to 7 years ago I received a telephone bill from XXXX for {$370.00}. I paid the bill in full. Years later I received a collection notice that I owed XXXX {$370.00}. Not wanting to ruin my credit rating, I paid the bill AGAIN! Now I have received another collection notice from a different collection agency, stating I owe XXXX {$370.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX at XXXX am I called to make a payment on my car loan. I told the customer service representative that I would like to make a payment on my loan and she said XXXX I have your loan number. I provided the loan number to the representative and she indicated that it was a XXXX account number and I had reached Huntington National Bank. We sent the information about your new number on Friday with your new loan number, have you not received it. I indicated that I had not received it. 

The representative was not friendly and had a tone when I was not a Huntington National Bank customer. I provided my SSN and the make and model of my car. She said that my payment would be 30 days past due, I indicated that 30 days would be on Monday and this is Saturday. They said that they do n't process payments on Saturday and it would reflect at END OF DAY Monday. I volunteered to bring cash into a branch and she indicated that it would not change anything. 

Why are they open on Saturdays and accepting business if they do n't apply payments or deposits on Saturday? XXXX could take deposits and apply payments on Saturday. This is unfair and deceptive, I did not ask to be a Huntington National Bank Customer, I was very happy at XXXX. Now a big conglomerate bank has purchased my bank and they do n't give enough notice to tell me that the practices have changed. 

I want Huntington National Bank to not put a bad mark on my credit for this payment as I do n't believe that there was timely disclosure that I would be moving to a bank that is OPEN on Saturday but does not apply payments or deposits on Saturday.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 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: Receivables Performance Management, LLC
State: CO

Complaint narrative:
This is from XXXX that I looked their website but I did not registered as their member. They are trying to collect debt from me that I did not registered with them and did not get their dvd or service, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 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: NC

Complaint narrative:
About a month or so ago I received a letter in the mail from Campus Partners informing me that my first post-deferment loan payment had been received late. Unfortunately, as a result of my move on XXXX XXXX, 2015, I did not receive their " attempts '' at getting in touch with me via the US postal mail. It was only after the change of address forms I submitted were processed that I received their late payment notice in the mail. I immediately called Campus Partners and they had the nerve to say it was my fault. Apparently I had only given 2 days to establish an online automatic payment, which was n't enough time for the bank to pay them on time. However, there is NOTHING on their website saying to give at least X number of days to set up an automatic payment or I would have called to make a one-time payment AND set up the auto payment for the following months. Consequently, I had thought that I had made the payment on time in a responsible fashion when in reality they received it a day or so later than the due date. I was hit with late fees and Campus Partners also notified the Credit Bureau of this " transgression ''.

Company response to consumer: Closed with explanation