vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-19 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: Renton Collections Inc.
State: WA

Complaint narrative:
This submission updates the XX/XX/XXXX complaint against Renton Collections , Inc. to which I was complaining about Renton Collections attempting to collect a two year-old bill for XXXX. I was also complaining that they never provided or mailed me a proof or a copy of the bill I requested or any verification associated with the bill when I first spoke with them on the phone on XX/XX/XXXX. I had to request a proof of the bill because I am a recent ID Theft Victim, Someone else had filed an Income Tax under my name for XX/XX/XXXX Tax Year and someone had applied for a credit card using my name and I have been getting a lot of scam calls in my cellphone within the last several months and a mailed copy would prove it 's validity. 

I did not believe Renton Collections was a legitimate call because the only Plumbing company i remember doing work for me two years ago was with another Plumbing company and not XXXX. Renton Collections never mailed me any proof at all. Instead they reported the unpaid bill to the Credit Bureau on XX/XX/XXXX. This prompted me to do my own investigation and by going in person to XXXX XXXX XXXX on XX/XX/XXXX and inquire about this bill. I realized that they billed me two years ago for dispatch fee of {$100.00} just for sending somebody to my house and but not doing any work. I never received any bill from XXXX XXXX XXXX otherwise i would have paid for it two years ago. They claim they billed me but i never received anything in the mail. I decided to pay the bill for {$130.00} ( incl. Renton Collections Interest charges ) directly to XXXX XXXX XXXX that same day. 

I believe that i was treated unfairly. I have always maintained an excellent Credit rating ( verifiable ) paid my debts on time, never missed a payment, never had a collections and now this Collections from Renton Collections , Inc. has made an impact in my Credit Rating as a result of irresponsible creditors and bad business practice. All i care right now is getting Renton Collections Account be taken off my Credit Record because i never intended this to happen and I believe my rights was violated. I am hoping for a resolution of this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO

Complaint narrative:
My car was a total loss in an accident XXXX. Prestige Financial accepted the payout settlement from essurance for {$3100.00}. Prestige still falsely charged off {$4300.00} even after we were under bankruptcy protection. I have written Prestige directly and disputed their claims on all XXXX credit bureaus without success. If this does notget resolved our next plan of action is to seek legal counsel and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
I obtained an auto loan with Prestige Financial in XXXX XXXX. My last payment was XXXX XXXX. The vehicle was repossessed XXXX XXXX, and listed as a charge off in XXXX XXXX. Prestige Financial is reporting to XXXX monthly ( oftentimes twice per month ) that I have not paid them on time - as though the late payment just happened. I ignored the reporting initially, thinking surely XXXX is n't treating this as if it 's a new late pay every month ( when it shows as a charge-off back in XXXX ). I was mistaken - Prestige is manipulating dates and amounts owed. This practice of Prestige Financial has lowered my credit score by almost XXXX points. I 've disputed this reporting with XXXX several times throughout XXXX, the correct dates are restored, and no more then 30 days later Prestige picks right up where they left off - even doubling up as though to make up for the month missed while going through dispute. I know for a fact this effects my credit score because it 's the only time my score drops. To date I have disputed this issue four times and the negative reporting immediately reappears. 
My complaint is this - why is XXXX allowing this company to continuously do this? If I submitted a dispute every time Prestige Financial reported a late pay to XXXX I 'd be sending in disputes biweekly, this is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: GREAT LAKES
State: IL

Complaint narrative:
I attended XXXX XXXX in XXXX XXXX, Illinois from XXXX and graduated in XXXX from XXXX XXXX XXXX program. Upon completion, I did not apply for the XXXX for XXXX until recently. I was told that I 'm ineligible to take certification exam because XXXX XXXX College was n't accredited with their association or the XXXX association. However, when I applied at XXXX, like many former students I was misled. I am stuck with an.outstanding loan balance. I ca n't transfer my credits or essentially utilize my diploma because of the fraudulent claims against XXXX. This school made false accusations, promises and claims that was not fulfilled. Many formers students can attest to this. The school is no longer in existence and what are we as former students to do. If the school has been found to have been fraudulent and accredited but wasnt ... ..why was loans and financial aud awarded to students. Why do I have to reoay a XXXX loan back and literally do n't have NO EDUCATION THAT I THOUGHT I WAS OBTAINING. The dept of ed has claimed to be investigating this issue for quite sometime but I have not yet received a response. 
I appreciate your time and consideration. I look forward to hearing from someone in regards to my issue. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Express Recovery Services, Inc.
State: NV

Complaint narrative:
I DONT OWE THIS AMOUNT. I HAVE PAID TO DATE {$690.00} WHICH WAS NOT CREDITED TO THIS ACCOUNT. i RECEIVED NO BILLS NOR EMAILS ABOUT GOING TO COLLECTION. I CAN PAY MONTHLY WITH NO PROBLEM I JUST NEED A BILL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I wrote a check to my roommate to cover my rent for the upcoming month. I dated the check for the date that my paycheck would be in my account. I have done this countless times before and never had an issue. The check was dated for XXXX XXXX. On XXXX XXXX, 2016, TD Bank ( the bank my check was from ) allowed the check to be cashed. That in turn caused my bank account to be overdrawn by nearly {$900.00}. When I contacted TD Bank to ask why they would allow a check that was post dated to be cashed, I was told that they " do n't really look at the date on the check ''. Since when?!? I asked to speak to a manger and was told again that they do not even look at the date on the check anymore. And that " in this day and age, the date on the check does n't matter ''. The manager then explained that if I write a check to someone, they have up to 364 days after the date on the check to cash it ... So, they pay attention to the date in case the check is old, but do n't care if the date on the check has n't even occurred yet. How are you going to rationalize telling me the date matters if it is past 1 year after the check was issued, but that if it is prior to that date, you do n't care as a bank? I explained that because of this issue, I now did n't even have the money to get home from work that day. The manager then explained that I should know better than to post date a check and that I should not do it in the future. Overall, it was a very unsatisfactory customer service experience. They however were 'kind ' enough to reverse the {$35.00} overdraft fee that had occurred due to them cashing the check before the date on it. 
Today, XXXX XXXX, 2016, I looked at my bank balance and there was an additional {$70.00} that had been taken out of my account. {$35.00} for the account being over drawn ( I do n't get paid till Friday XXXX, XXXX that is why the check was dated for that day ), then, because that {$35.00} overdraft fee came from an account that was overdrawn, they charged an ADDITIONAL {$35.00}. I called the bank and had a very pleasant young lady who reversed the {$70.00} charge and also told me that she agrees with me that it is terrible business to allow a check to clear two days prior to the date that was on the check. I have had checks from government agencies and no bank will cash that check till the date on said check. But, because I am just little old me, somehow it does n't matter. 
It is really a shame too, I used to sing TD bank 's praises, but they have really done down hill. And they have lost a customer in me, along with every person I can convince to leave this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank denied renewal of my home equity loan solely on the basis of age discrimination. This was not caused merely by poor customer service or incompetence, because no business can survive operating like that. 
Instead, from the start they were determined to undermine my income by repeatedly losing documents ( XXXX, XXXX. proof of consistent bank deposits, etc. ) I mailed and faxed those papers to them at least three times. Then they mysteriously disappeared. They then based my income solely on Social Security. I submitted proof of over $ XXXX, but they kept losing the paperwork. 
When informed of their decision I was not " credit worthy '', they also said I had numerous delinquencies. I immediately got a copy of my credit report that repeated XXXX words -- never late. They also claimed that an anonymous third party ( other than a credit bureau or appraisal company ) gave them extra ammunition to judge me an undesirable client. I have asked for that information several times, but TD Bank refuses to divulge their source. Are n't they required to do so under Federal law? 
It is truly a case of blatant age discrimination, because they believe they can scare and intimidate people over XXXX. Not so!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
They call and hang up when I answer, when I returned the call they ask if I am who I am and say that they need to verify employment and that I have to pay whether I want to or not. They call almost every other day and hang up and the last time I returned their call they asked me again if I am who I am and I asked why are they looking for me and why do they keep hanging up on me and once again today at XXXX on Friday the XXXX if XXXX 2016 the man hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from NCAC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCAC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Genesis Lending
State: IN

Complaint narrative:
I am former student of XXXX XXXX, I have a genesis loan that is in default. I currently owe {$7.00}. The school is now being sued and is under investigation for fraud. The school was a joke ; they where so worried about collecting the monthly payments for the Genesis loan that they would pull students out of class and away from there studies. 

I strongly believe that I am not responsible to continue paying on these loans because I did not finish the course. The schools curriculum was not that of a regular college. XXXX was over packed with teacher to student ratio. In the class room the students had to stand or find setting because they over packed there classes. Half the time the book store did not have the books needed for the class and they where on back order ; this cause student to have to wait to take a class and or share with a class mate. This made students unable to finish work on time. 

I want to be able to go back to school and finish my degree, but I am not able to due to so with this genesis loan. The lender is not people friendly and they seem to not want to help with paying back loans ; they are rude when you call and state that they are unable to take less than {$200.00} a month in payments. This is outrageous for a single mother that works full time.

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 2015-04-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Genesis Lending
State: MI

Complaint narrative:
this was a genesis loan for XXXX taken out by XXXX in XXXX, Mi have been paying on this loan since 2009 appr. XXXX per month. the balance is still XXXX. As soon as I found out this was a fraudulent loan I was advised to stop paying it. my credit report currently states I am 120 days past due and received a bill yesterday that my minimum payment due is 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 2015-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Repeated phone calls from rude and harsh debt collector who do not state the specific reason of the debt and demand address and other personal information. The person also said in a threatening tone " well I have your address '' The collector spoke to me in a rude/scolding manor as if I was a child. Even after politely expressing that the collector was rude she continued to be condesending and rude interupting me every time I tried to speak. 
The collector also would not release any information about their agency.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Genesis Lending
State: CA

Complaint narrative:
i attended XXXX in XXXX XXXX, ca. i had to take out a loan with genesis it was the only loan i could get to so call better my career path. they did n't tell me that i had to pay the loan in school until after i started, they did n't tell me that when i got out of school the about to pay its would be so high that i could n't afford to pay it. i see that XXXX is getting sued already for their actions and lies. i could n't complete the school because of a teacher that screwed me over and threatened me, which the other staff did nothing about. i cant get an income based repayment plan from genesis and they are hard to talk to and deal with because their customer service XXXX and they barely speak XXXX i would like to get my loan descharged and what i paid into it back. i see that consumer finance is trying to help all the XXXX former students in getting their money back and correcting the wrongful action done by the school. i would like to hopefully get this done soon i cant continue to make the payment. they offer a payment reduction for six months im on the last XXXX that i can due and they failed to put me on it at the right time that i called them and asked for it to be done. i got a ding on my credit for it and have yet to call them to get that fixed. i will be contacting sallie mae to get my loan discharged from them they are easier to deal with but would like some kind of help with genesis in getting my loan discharged and money back quicker then waiting for the lawsuits to go threw and all the student get their money back. if anything i would like it just discharged and i can wait for the lawsuit to take place and get the reimbursement then, also they didnt give me any relief from the relief from the Consumer Financial Protection Bureau ( CFPB ) and the XXXX that announced more than {$480.00} XXXX in forgiveness for borrowers who took out XXXX XXXX XXXX high-cost private student loans. I recieved nothing from that.

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 2017-01-18 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: NC

Complaint narrative:
Receivables performance management is reporting on my Credit report in a negative way with a {$0.00} balance. I have contacted the original creditor ( XXXX ) to get this cleared up because I currently use their services.. After speaking with XXXX they stated that I did n't owe them anything and that my current account was up to date. I have never paid RPM any money so I called them to check this status and see how I can get this removed. They stated that they cant remove anything and that I will have to dispute it with the CRA. I have Disputed this before and it has been removed from one agency. I called the CRA and they stated that RPM has to report it as removed or deleted in order for it to come off of your credit report. Once I reached back out to RPM they stated that unfortunately they can not delete anything even if it has a {$0.00} balance and I did n't pay them. She assured me that there was no other way of reporting this to the CRA as removed but I know that it has been done before. She told me to call the CRA again and ask them when will it be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 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: WA

Complaint narrative:
I received a bill from : Receiveables Performance Management, LLC, XXXX XXXX, phone : XXXX, for {$490.00}, for DISH NETWORK. I called their office XXXX times to dispute this bill. I was put on hold all XXXX times. I was never able to speak with anyone.

Company public response: Company 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 collection agency has a multitude of accounts they are trying to collect on. For this one in particular I never received anything giving me 30 days to dispute the validity of debt. I was under the impression the amounts they are claiming I owed were covered by my insurance company. On top of that it is my understanding that my medical information is not supposed to be released to a 3rd party without my permission and in the correspondence I 've received, it 's all come from a 3rd party, yet there is not a HIPPA release for with my signature giving anyone permission to release my information. I have great concerns about my information being in this collection agencies hands. They have already mailed with their correspondence other peoples information included with my information with detailed information about this person and their medical records. I also have yet to receive any promise to pay for any of these outstanding balances with this collection agency. I requested validation on a multitude of occassions and the responses do n't include anything showing that I am liable for these amounts and that I had any obligations to pay these outstanding balances.

Company response to consumer: Closed
Consumer complaint received 2016-06-22 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: MD

Complaint narrative:
Receivable Performance Management LLC was hired to collect on a debt that has already been resolved by the previous collection agency and XXXX. The debt was removed from my credit file well over one year ago because it was determined frivolous. After the resolution, XXXX hired another agency to continue to harass me for a debt that has already been resolved. The debt was forgiven due to poor service. I lost money and had to go to a different carrier because of poor service when I had XXXX 2 years ago. I am not going to pay on something that was already resolved.

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 2015-09-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD

Complaint narrative:
I have requested several times that Campus Partners disclose the status of my account to XXXX ; however, they are not honoring my request. Campus Partners drops the ball on my request and causes significant delays when I fax them paperwork. In essence, my problem is that Campus Partners does not process my requests in a timely manner which causes me damages. Their customer services reps lied to me and gave me incorrect information when I asked them " what I needed to give them in order for XXXX XXXX of Transunion to inquire about my account ''. In addition they are telling me that I have to wait 1 week for them to confirm a time-sensitive fax. Due their incompetence, significant delays and unfair treatment I am unable to accomplish my goal of having XXXX call to get an update on my account.

Company response to consumer: Closed with explanation