vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-10 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: WV

Complaint narrative:
XXXX Colleges, operating under the name XXXX XXXX, in XXXX XXXX, WV promised to enroll me into an XXXX program that did not exist. Their pitch was " complete the XXXX program and you will then move to the XXXX program. '' Midway through the XXXX program, I learned that no XXXX program existed for XXXX XXXX in West Virginia. I completed the program because I was too far in to turn back. I received a " Genesis '' loan that is now owned by University XXXX 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 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: AZ

Complaint narrative:
I have an account from Great Lakes Higher Education on my XXXX credit report that shows in collections. When I call Great Lakes they tell me there is n record of any amount due and refer me to XXXX. When I call them they also do n't show that I owe any money. When I dispute this with XXXX they say information is correct. Complained with Ombudsman they say it is n't a private loan and told me to file a complaint with Consumer Finance. If I owe I am ready to pay. If account as been satisfied then would like the Great Lakes account updated to reflect paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Neighborhood Housing Services of Toledo, Inc.
State: OH

Complaint narrative:
I have had an ongoing problem with XXXX. Below you will find the latest form of discrimination to which they have subjected me : I took out a loan from XXXX for a home improvement Loan. Their address is XXXX XXXX XXXX, XXXX Ohio XXXX, phone Number is XXXX. They assigned XXXX XXXX to be my project manager for the duration of my project. However, He decided that he did not like me personally and is therefore, refusing to provide me with any assistance. He did not even have the courtesy to notify me to that effect. It was XXXX XXXX, XXXX Director for that location that finally decided to tell me this. Only to make matters worse, he did not, and still will not provide me with any information as to how to go about completing my project, such as how to order materials and pay for them, since they hold the purse strings. 

XXXX XXXX has also instructed any and all parties he has dealt with not to provide mw with any information. For instance, he contracted XXXX XXXX XXXX , XXXX at XXXX XXXX XXXX XXXX, XXXX, OH XXXX, to do an inspection for me, and he paid them {$110.00} out of my money. But, neither he nor XXXX XXXX XXXX will give me the results of the inspection. XXXX XXXX XXXX wants another {$680.00} for the work to contain my pest problem, and yet neither party will give me any explanation. 

Given the situation that both of these parties have placed me in, I feel that the both of the should be disciplined, and my money refunded since it is not fair to charge me for something which I never received.

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 non-monetary relief
Consumer complaint received 2015-11-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Target Card did not process an electronic payment of the full balance properly. Thereafter, they assessed fees and interest to the account. I paid {$50.00} to avoid further fees and interest, which was accepted. Thereafter, I attempted to pay the full balance again only to be rejected again. This failure on Target 's part has also resulted in " returned payment fees. '' There is no trouble with my bank account, which has the money with which to pay. The issue is with Target failing to properly accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
the company shows it as not paid. it has been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Receivables Performance Management, LLC
State: OK

Complaint narrative:
THEY ARE CALLING MY NEWLY ISSUED WORK PHONE NUMBER ( LAND LINE ). I AM NOT THE PERSON THEY ARE LOOKING FOR. I HAVE ADVISED THEM OF THIS, AND ASKED THEM TO NOT CALL AGAIN, BUT THEY CONTINUE TO CALL 2-6 TIMES A DAY, PER MY CALLER ID. THEY HAVE CALLED ME A TOTAL OF 12 TIMES SINCE XX/XX/2017. I TOLD THEM TO STOP CALLING WHEN I ANSWERED THE FIRST CALL I EVER RECEIVED FROM THEM ON THE XXXX. THE PHONE # THEY ARE CALLING IS XXXX.

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 2015-04-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: NJ

Complaint narrative:
I am a XXXX of XXXX University. XXXX of the XXXX Colleges. I did receive a relief of my student loan that I took out with Genesis Lending in 2012. They made me take out an additional loan in order for me to graduate. Please can you assist in this matter.

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 2015-11-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
We have a loan at Titlemax here in XXXX Tennessee we never been late we did have our pay day moved because we only get pay on the XXXX. This month I went to make a payment the loan is in my wife name we have XXXX loans on her car I make XXXX payment she makes the other. This month however as I went to make a payment they had moved and would n't take a debit card payment I do n't carry cash with me. So I made the statement I do n't carry cash and I will try to get back one day that week to make a payment. The XXXX guy who claims to be a manger said I had until Wednesday to make the payment I said once again I will be back one day this week again he said you have until Wednesday to make a payment I ask him than what you going to take the car throw me in jail beat me up. He never would say what would happen he was just a XXXX finally I told him if he came and took the car I would sued his XXXX. I walked outside to leave he follow me out and told me not to come back that XXXX could come and make a payment I told him we both made the payment and he did n't have to be just a XXXX. I call Corporate finally and the district manager called me back and he said I had 31 days being late before they could come and get the car. My wife finally went and made a payment and the guy told her I was cussing in front of customers. That is a lie from XXXX there was no customers or they was invisible ever XXXX else the employees was out to lunch but XXXX guy, I will tell him to his face he is a XXXX liar he bully me threaten me and cuss me out he had no right to do this. 

The car finance is in XXXX name XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-06-05 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: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
i called the debt colletor and paid in full {$100.00} plus fees for XXXX and also paid {$100.00} plus fees on another acount, and my credit report still shows that the one that was paid in full is still in collections. I called them and they said it wil not go off my credit report until the other XXXX collections from that same collection company is paid off in full.. and the guy told me it would go off my credit report and raise my score but it didnt, please help, thanks

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
After trying to get a Mortgage Modification since XXXX. On XXXX XXXX, XXXX I received a " XXXX Modification '', with the new principal balance of my note to be {$270000.00}. With a interest rate of 3.5 %. I am to pay this note for 19 years with a final balloon payment of {$180000.00}. Due and payable on the new maturity date. I also must have my signature notarized, and return the documents to Chase Bank by XXXX XXXX, XXXX, or I would no longer be eligible for this modification. My XXXX XXXX, XXXX Loan Overview, from Chase Bank, shows my Original Principal Balance to be {$170000.00}. My Unpaid Principal Balance of {$180000.00} At a interest rate of 7.36500 %. My Escrow Balance ( {$20000.00} ) My Unapplied Balance {$940.00}. And XXXX XXXX Balance of {$9100.00}. ( Minus my Unapplied Balance of {$940.00} ). This total is {$210000.00}. 
This " modification '' puts me in worst shape than I started out. It does not make my " XXXX XXXX ''. In the modification documents, Chase Bank does not state, why my Principal Balance was increased, by {$69000.00}. The web-site XXXX, shows my home to be worth, {$210000.00}. 
This " modification '' puts me upside-down, in the housing market. With no chance of refinancing to a VA loan for which I am eligible. Also I expect my home-owners insurance to increase substantially, due to the substantial increase of my new Principal Balance. 
How can this be a " XXXX XXXX Modification ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 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:
I have had a title loan with title ax for 3+years, during this time I have paid interest charges, paid down principle, increase my loan, and paid several late fees. The issue is when I requested an increase in loan amount they did not ask what my income was although they knew I was on XXXX. They provided me an additional XXXX. Dollars. After this when I returned in I believe they ask that I sign some old documents from months before stating I received disclosures. I have been asked each time since to sign the same statement but have never received any disclosures. I now am past due and when speaking with manager he offers only half off the late fee, I have paid this company well over XXXX times the value of the car, I understand the need to repay but I need title max to understand my income and ability to repay

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: DHI Mortgage Company
State: FL

Complaint narrative:
In XXXX of 2015, upon retiring from the XXXX XXXX, I initiated contact with XXXX XXXX with the expectations of initiating my first home purchase utilizing my VA home loan benefit. After conferring with a real estate agent that worked for XXXX XXXX ( the wife of a former friend of mine ) she convinced me that I should have a XXXX bedroom home built in the XXXX XXXX XXXX XXXX neighborhood of XXXX XXXX, Florida. During these initial consultations, the agent convinced me that I would have to tender a down payment " in order to guarantee my desired lot location ''. Considering that this purchase would be a VA loan, I was hesitant at first, but she insisted that my money would be returned upon closing of the home. Furthermore, she also stated that the only way that I would lose my down payment was if I backed out of the purchase agreement. Believing this, I tendered the required payment via my wife while I was XXXX as a XXXX XXXX in XXXX. After six months in XXXX, I received news that I had been accepted for hire by the XXXX back in my home town of XXXX, Florida. Upon receiving this news, I returned home expecting to start work immediately. Upon returning, I was informed by the XXXX that it would take a few months to complete all of my new hire paperwork. During this time, my new home was being completed, with an expected completion date of XXXX. I returned home at the XXXX. Once I learned that my hiring would be delayed by a few weeks to a few months after completion of the home, I shared this information with the XXXX XXXX mortgage broker. Without any further consultation with me, she promptly informed me that my home purchase would have to be cancelled until such time as I could prove that I was receiving a pay check from my new employer ( during this time, I was receiving retirement and XXXX compensation, as was my wife, totaling approximately {$XXXX} a month, which would balloon to $ XXXX a month once I was able to start at XXXX XXXX XXXX XXXX ). Although I was disappointed by this decision ( I really wanted that new home! ), I capitulated to their decision and requested that my down payment money be returned until we could start the process anew once I received my firm hire date. Upon asking for the return of my funds , XXXX XXXX personnel informed me that my money would be forfeited as " damages '', but that I could receive the funds back if I purchased a different home within six months from the date of their forfeiture decision.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 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 was charged overdraft fees for the amount of XXXX so far. When checking my balance online I had enough to make purchases. I paid a bill with the wrong bank card and it went to this account which should have been an overdraft but now I have XXXX overdraft fees. I was in the positive before this charge went through and prior to it going through other items were deducted from my balance. The bank switch these items around so that they would be able to charge the most overdrafts. I was told by an employee of the bank that that they pay the highest items XXXX then to the lowest which made me have these enormous fees. I think this is criminal and they would n't let me opt out of overdraft protection because its a business account. That is not true because I had a business account before and I was able to opt out. with this same bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am having a problem with TD Bank. They have charged XXXX of my account for overdraft of another account after I asked them to shut the account off. They shut both accounts off then charged the opened account over {$1800.00} to fund the other account. The fees are continuous triple charges for the same charges. I have not received help from the branches and been on the phone for numerous hours just waiting to talk to someone with no help at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Senex Services Corp.
State: NJ

Complaint narrative:
This company has been paid in full and they are still reporting negatively to all XXXX credit bureaus. status on my credit reports say closed ; paid but is still in negative status. when I called XXXX and XXXX, I was told that it was not them reporting it negatively it was the company reporting it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello- I have previously disputed this item with Equifax XXXX We were the victims of XXXX Mortgage servicing and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had XXXX miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account now ( XXXX XXXX XXXX ) should be deleted from my Equifax credit report. XXXX XXXX servicing changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 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:
I have a home equity credit line secured many years ago with now defunct XXXX XXXX. TD Bank took over the loan and began annually requiring a myriad of financial information that was never requested by XXXX. The loan is in good standing and my FICO score is excellent. I consider this age related harassment ( I am over XXXX years old ) and want TD bank to cease this annual harassment ritual

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I became behind on payments due to financial hardships, TD Bank began calling me XXXX times a day everyday. I clearly stated to the representative that I was enacting my rights granted under the guidelines set by the FTC for them to cease contact immediately. TD Bank continued to call me XXXX times daily for months until I finally was able to make them remove my number from their calling list last month. Now they have turned the account over to XXXX XXXX who has began calling me daily. I spoke to a representative yesterday XX/XX/2015, and informed them I was under a do not call list, and verified XXXX times that they were removing me from their calling list. Today,XX/XX/2015, XXXX XXXX contacted me again to collect the debt. I spoke to a supervisor who identified herself as XXXX ( sp? ) And informed her that I was to be put on a do not contact list, she then stated there is no record of this request. After I informed her a third time that I was to be removed from the calling list, she still attempted to collect payment after I stated that I did not feel safe making any transactions over the phone with their company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
In XX/XX/XXXX my wife and I opened a checking account, an IRA and a line of credit with XXXX XXXX in XXXX, XXXX We set up XXXX automatic withdrawals ( an internet monthly service and a bank associated insurance product to cover the line of credit ). We continued to use this bank until XX/XX/XXXX when we moved to XXXX, XXXX. to a rental home. We gave them a change of address for the move to XXXX. XX/XX/XXXX, we purchased a home and opened a bank account in XXXX XXXX. XXXX XXXX was purchased by Td Bank in XX/XX/XXXX. We had left the account in XXXX open. Over the ensuing 10 years XXXX XXXX and then Td Bank continued to withdrawal from the account the monthly recurring charges for the internet service and bank associated insurance product and then once the account was empty, they would then go to the line of credit and withdrawal the amount to cover the XXXX monthly charges plus a transfer fee plus an overdraft fee plus a monthly maintenance fee. The accrued charges are now {$8600.00} worth of debt to the line of credit. Td Bank states that they sent overdraft notices but they sent them to the wrong address for 10 years. My concern, although we did not provide a new address on the second move, is how could the bank not notice an account has been dormant for 10 years and then has reoccurring late fees, continued maintenance fees associated to a XXXX balance account and continued overdraft fees with no action. How could they not notice a return to sender on every overdraft notice they received for 10 years. Furthermore, they never sent any noticed for payment until I recently attempted to apply for a home mortgage and my current bank questioned the line of credit amount. When I contacted Td Bank and asked about the fees and charges, their response was it was not their problem or fault for the fees and they requested immediate payment. Had they asked for payment years ago, the current situation would have been easily rectified and not occurred. The accounts could have all been closed and the reoccurring charges transferred to my new bank. Today, when I requested documents and statements they charged my account a fee which will now require a transfer fee from the line of credit and an overdraft fee, thereby increasing the debt on the line of credit.

Company response to consumer: Closed with monetary relief