vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I had been paying off my XXXX bill after I switched phone carriers. I was paying what I could and I would receive new updated billings. Then, without notification my balance due of {$140.00} was turned over to debt collector. 
As someone who was paying off as much as I could and making progress I feel that it was wrong to turn this over to a debt collector. 
XXXX XXXX ( XXXX ) XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
I was issued a company cell phone for work. This phone has been receiving debt collection calls on the avg of XXXX per day. I have explained to the callers that this is a business phone and we have no relationship to the person that they are trying to reach. When I answer the phone as the company representative, they hang up.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 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: FL

Complaint narrative:
In XXXX 2015 I signed a modification agreement. 
The terms do not match what is being charged to me. There is a charge for {$2100.00} for legal applied after I had an executed contract. Also my payments are not being applied to principal properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
TD Bank cashed a settlement check in the amount of {$6300.00}. The creditor still sent the account to collections. I have sent the bureau 's a copy of the voided check and the letter that was sent and they are not making the correction on my daughter and fathers credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
I have a loan through TD auto finance. I have fallen behind on my car loan with them. I have tried to work arrangements out with them to try to catch up in installments to prevent collection calls but they are refusing to work with me. What is worse they are consistently calling my parents house where I do not live and my parents are not on the loan. I have requested that they stop calling them since I do not live there and they have no part in this loan. The company refused and said they would not remove their number or stop calling them until I brought the loan current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23 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: NY

Complaint narrative:
I notified TD Bank in writing that I filed a Chapter XXXX Bankruptcy Petition in the XXXX XXXX Bankruptcy Court on XXXX XXXX, 2016 in case no XXXX and that they needed to stop plundering my bank accounts in overdraft charges, finance fees, and other plunders because my XXXX checking accounts ( ending in XXXX and XXXX ) were both in the negative and they needed to cease and desist. However, in direct violation of the federal automatic bankruptcy stay, these criminal bankers continued to plunder my bank accounts anyway, with {$35.00} here, and {$75.00} there, and {$100.00} there etc, over and over again, to the tune of almost {$1000.00} in fraudulent bank charges which have driven me even further into debt, thus not even allowing me to pay my child support, food bills, and other important things. Even though I called them repeatedly and spoke to someone named XXXX in the XXXX branch who said she was a supervisor on or about XXXX XXXX, 2016, she cruelly and meanly told me she did not care about my bankruptcy and that she would not be returning any of these ill-gotten plundered bank fees and charges to me, and that they would stay as the property of TD Bank. Because of this behavior, and if I do not get a response soon, I will be filing a contempt of court motion against TD Bank for criminal and civil sanctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
This company is still reporting a account on my file after i been notified that i have been a victim of identity theft and that i have all the necessary paperwork filed and police reports to support my claim. I 'm in the process of getting a mortgage and this account is hurting me and it is being listed as bankruptcy. I also have a fraudulent bankruptcy filing that I 'm working with the courts and the government to get that issue rectified. I have been dealing with this issue for years now with all my personal information being stolen such as social security number, address, DOB, phone numbers opened under my name and bank accounts opened under my name. I request this company remove my name and social from this account immediately and mark it as fraud so if i choose to do business with this company in the future this issue wo n't stop me. I have attached my police reports and FTC fraud identity theft affidavit which has a letter from the government showing that my identity was stolen in a cyber hack also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
To be honest the closest description would be lack of information because I have not received any notification in 4 years that I have an outstanding balance. I did not even know this debt existed up until about about 4 months ago. It almost seems like they 're letting the interest build up purposefully. I can not verify from either parties if this debt is even mine because I have not heard a peep from either of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Scheer, Green & Burke L.P.A.
State: OH

Complaint narrative:
XXXX, ( XXXX ), has contacted my husband and I many times the past year to collect a debt that we did not know we owed. We got a pack in the mail issuing us to go to court so we called them and they said if you send in a paper stating a payment plan that could be set up, have it notarized, send it back within a week than we would n't have to go to court. We wrote out a paper stating that we would pay {$150.00} a month till it was paid off that same day, had it notarized and faxed it over and called to confirm they received it. While paying them they were very rude about any questions that we had and regularly gave us the run around when trying to find out how much we had left to pay or even if they were getting the payments. Many times they hung up on us or would simply put us on hold till we hung up. We had one gentleman that works for them call us at XXXX at night to ask if we sent a payment in and when we asked who it was he hung up on my husband. The law office works very strangely and is not very nice. We eventually got in contact with who the debt was originally through and made a settlement offer through them. When they approved the deal, they contacted XXXX and told them we could pay off the loan in the amount of {$2000.00} on XXXX XXXX 2015. We made the check out and sent it in and asked for a paper just stating that the debt was paid off and we did n't have to worry about it anymore and they never returned our calls or sent us anything in the mail. A receptionist called my husband 2 weeks ago on XXXX XXXX 2015 and asked if the debt was paid off. He said yes and we are still waiting on a paper confirming it. The lady rudely said that it was cleared up on their end and hung up the phone. We still have not received a paper confirming the debt payoff.

Company response to consumer: Closed
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: CA

Complaint narrative:
1. Sold a consolidated loan but it was not disclosed that this would disqualify me from receiving teacher loan forgiveness programs. 
2. Later, refused to 'receive ' my application for in-school deferment. I had to give up eventually. 
3. Enrolled me in a low income repayment program without disclosing this would be taxable, and that it would capitalize. 
4. When I began making standard payments on a standard repayment plan, I called to ensure my loans would not again capitalize ( as they had only months before ), I was assured they would not, and they were. So, the {$15000.00} or so I paid in 2016 resulted in a principal balance that was {$1000.00} more than I had had one year prior. 
5. They robo called initially. 
6. They NEVER respond to email. They do not record calls in California. The documentation they send is impossible to understand without a 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 2015-11-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I had made a purchase of XXXX $ back in XXXX at Target. This was supposedly " free '' if I signed up for a target credit card. I never received the card but started receiving bills for XXXX $ every month from Target on this " free '' purchase. I called target to totally cancel the card but they are still billing me XXXX $ per month for no reason whatsoever. The card is not even activated because I have n't received it. After this call, I still received bills even though it was cancelled. They say that they will continue to bill after a card is cancelled if there is a balance on it. They are charging me XXXX $ for a XXXX $ purchase. I am willing to pay the XXXX $ for the purchase but I will not pay the additional amount for a card that was never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-24 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
in XX/XX/XXXX i received a auto title loan with Title Max its now XX/XX/XXXX and i am still oweing XXXX on a XXXX loan. this is my complaint, i have comprehensive coverage on my truck and i stated that to them when i received the loan in XX/XX/XXXX but what i have found out is the whole time i have been paying this loan every month never late, they have been add on charges for comprehensive coverage, that i already had and the only reason it come to light is a employee of title maxx brought this to my attention 2 months ago. 
Also because of all the refinances and the high insurance charges, [ when i already had insurance ] the loan cost me more than i expected. 
Also they refinanced the loan XXXX times, i had no ideal what they were doing, I took the loan in good faith, and paid every month, but they did not deal with me in good faith, by repeatedly making me a loans with terms that i could not afford to repay in full, Also last year I ask XXXX of the employees of tile max, could i just come by and make payments before my due date if i had extra money to bring down the loan, i was told no i had to wait until due date of loan, Also last month i told XXXX of the employees at title maxx about all the wrong things that was being done to me in my contract he said to me its to late, i can, t do anything about it now. 
I really need help because i was done wrongly can your company help me? 
also the lady that made the XXXX loan that got me started was fired last year, her and the whole staff for something that they were doing, i founded this out today XX/XX/XXXX. 
I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc.
State: FL

Complaint narrative:
I was with XXXX for XXXX+ years. I decided to not renew because I was not satisfied with them. I was on a month to month contract, but, to simplify my life I just paid it annually in advance each year. The last renewal bill I did not pay. I switched alarm companies in XXXX. That same month I got a call from XXXX XXXX asking why I did not renew. I told the supervisor why and he stated he was sorry and asked what he could do to keep me as a customer. I told him I already switched XXXX and there was nothing. He said he would get back to me with a proposal anyway, I said fine, just email it to me. 
I never got that email and therefore did not even think about it. Sine that phone call I sold my home, purchased another and never gave this issue another thought until early this year, I noticed a collections on my credit report. They are claiming I owe {$330.00} for alarm services. Then I got to thinking about what happened. I had some questions. 1 ) Why are they charging me for almost a full year of service? 2 ) Why did n't the supervisor tell me this on the phone in XXXX when he knew I was with another company? 3 ) How long does it take to cancel a service for non payment? 
I called XXXX XXXX and they said they do not have the records anymore I have to deal with the collections company. 
I sent certified letters to the collection agency ( attached ) trying to resolve this and they are refusing my offer. I offered paying up to the time in XXXX that I spoke with the supervisor even though I feel I owe nothing. I think it is more than fair. I now understand that they require an advanced written notice to cancel. I think the supervisor had an obligation to notify me of this when I spoke to him on the phone. There was no way for me to know or remember this procedure from XXXX years ago.

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: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: TX

Complaint narrative:
On XXXX XXXX, 2016 I submitted a payment for my remaining loan balance of {$1500.00}. This resulted in my loan being paid off. On XXXX XXXX, an additional {$500.00} was deducted from my account, which is the regular ACH payment that I had set up. I contacted customer service to ask them to release the funds back to my bank account and I was told that I would have to wait up to 30 business days to receive a check for the stolen funds. 

The Payment Request notification that I received states : " You 'll receive credit on your account as of the payment date listed. '' If my loan was paid off, and showed to be paid off, then why has Great Lakes continued to fraudulently deduct money from my account? 30 business days is entirely unreasonable, especially when Great Lakes is in the wrong. My account should be credited immediately. If that is not possible, a concerted effort needs to be made to issue the check immediately to mitigate my loss. Great Lakes had no problem charging me a daily interest rate of 6.55 %, but seems to think it is acceptable to drag their feet for up to 6 weeks and hold onto my money interest-free! 

When I asked customer service to reverse the payment, they said that only my bank could do that. I contacted my bank and they advised that Great Lakes initiated the ACH, so only they could reverse the payment. It seems that Great Lakes is intentionally failing to take action in order to maintain control of the funds that they took without authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: TMX Finance LLC

Complaint narrative:
Title Max of Texas, Inc. d/b/a Title Max, XXXX XXXX, Texas I have paid over XXXX dollars for XXXX loan to there company because XXXX a month was a lot for me just for interest. They have towed my car twice and vandalized and stolen the contents. The contents were all of my Identification to legally enter the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD bank sent an offer for a card that has XXXX cash rewards for the 1st 6 months on gas, dining, cable, phone, and utility bills and XXXX on other items. They also offered {$200.00} cash back if {$500.00} was spent in the first 3 months. 
I applied on line ( XXXX XXXX, 2016 ) for this card by going to the website on the offer and putting in the code in the letter. 
When I received my statement, I noticed I was given points instead of cash back. I called and was told that the card that I was offered discontinued on XXXX XXXX. The card they gave instead has a lot less benefits and only {$100.00} cash back after spending {$500.00} in the first 3 months. I spoke to someone on XXXX XXXX when I applied for the card and asked about the {$200.00} cash back and verified that this was correct along with the XXXX cash back on specific items for 6 months. 
Why are they allowed to send offers for cards that they are discontinuing? 
Now I have a credit card that I do not want but can not cancel because credit bureaus give bad makes for you to cancel a card. And I might have trouble applying for another card that I would like because of the credit limit they gave me. 
I think this id false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NE PROCESSING LLC
State: OH

Complaint narrative:
Called and left a VM asking if this was a good number to contact XXXX XXXX ( my wife ), said she had a case file in XXXX County, left number as well as a " case reference '' number. Refused to give me their address after 6 repeated attempts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I took out student loans starting in XXXX, I finished school in XXXX, I was not able to find a decent job, and the calls and letters started coming. They offered me the economic deferral, which I thought was a solution to my current situation. I now owe approximately XXXX in loans, I am XXXX years old, I am currently working as a temporary employee making {$XXXX} an hour. If I could go back I would not have taken out these loans. At the time I was under the impression I would get a good job and be able to pay them later in life. I borrowed like XXXX, that I may never be able to repay, the interest brings it up to near XXXX. I will always be in debt. I even tried getting state and government jobs, because I heard I would n't have to pay them back, but I have had no luck there. I ca n't answer my phone, I feel like I am always hiding from the collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 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: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I recently pulled my credit report and discovered Commonwealth Financial Systems has furnished some items that were unverified information.I believe under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from my medical doctor c but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TMX Finance LLC
State: TX

Complaint narrative:
titlemax called me many time telling me to contact them. 

I answered one of their calls. told them I had no business with themthey called me a liarthey wanted me to give them personal information which would have allowed them identity fraud on methey kept telling me to XXXX payment and I never dealt with them ever in my life. 

I tried to be nice and explain they had the wrong person. 

when I asked how they got my phone number, they said it was in their " system '' they said I live in XXXX, I never lived in XXXX. I told them numersous times I did not live in XXXX, never did, they kept telling me I was a lair. and was lying to them. and to fess up and make payment. 

this is unacceptable harassment and trying to collect money from me and I never had had any dealing with themtheir phone number isXXXX

Company response to consumer: Closed with explanation