vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Consultants of California
State: OR

Complaint narrative:
I 'm having a serious issue resolving a collections account with a balance of {$810.00}, reported by XXXX. The outstanding balance was reported on XX/XX/2011 and last reported on XX/XX/2011. During this time, I was still in XXXX, Texas where I was stationed for XXXX, and still covered by XXXX. I am not responsible for this debt, nor do I recollect ever being at a XXXX or receiving a bill for this amount for any XXXX treatment. This was falsely and unfairly reported and wish for this to be removed. The Debt was sent to be collected by COLLECTION CONSULTANTS OF CALI.

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: KY

Complaint narrative:
XXXX XXXX XXXX, XXXX Genesis loanI was forced to get the Genesis loan just so I could stay in the student dorms, and then halfway through the school year they made me pull more money out because they said there was n't enough to finish out the rest of the year, saying that if I did n't either get the loan or come up with the money I would n't be able to finish my entire XXXX of school, I was also forced to pay my loan while I was in school and they took it from my monthly allotment before they gave me my student loan check each month, there is almost no way to postpone payments without defaulting, they say you can lower your payment but there is no way to have a true forbearance on the loan and to top it all off, after I get out I find out the school has been sued for falsifying employment and strong arming for students into loans

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 2016-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
The lender continues to attempt to collect on the debt without validating the debt after I sent a formal request. They continue to violate the Fair Debt Collecting Practices Act. The are also continuing to charge interest without substantiating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Genesis Lending
State: FL

Complaint narrative:
On XXXX/XXXX/15, I received a bill from Genesis Lending stating that I still owed {$0.00} when I thought I had already paid my loan off completely.As a result, I check my account online under the history and realized that I was chareged ( XXXX ) {$25.00} fees for a total of {$200.00} that I was not aware of. On XXXX/XXXX/15 at about XXXX Eastern time, I called Genesis Lending at XXXX and talked to XXXX XXXX I informed XXXX that I just received a bill from Genesis Lending for $ XXXX.She advised that my account is completely paid off and she will waive the $ 0.01.Informed her when I checked my account online, it showed that I was charged ( XXXX ) {$25.00} fees for a total of {$200.00} that I waw not advised of.She indicated that they were late fees.Informed her that I was still in school at the time when the late fees were charged.She adivsed that I was still responsible for the interest 6 months after the loan origination and ususally it is a couple of dollars per month.Informed her that I was not adivsed of it and I did not receive any statements or bills.Asked her if the fees could be refunded.She adivsed as far as credit reporting goes, there was nothing she could do becasue they were already reported to the credit buerea.She then asked a supervisor to see if the {$200.00} fees could be refunded.She came back and advised her supervisor XXXX said no.Asked to speak to XXXX.Informed Operations Manager XXXX that I was not adivsed that I had to pay for the loans and I did not recieve any statements or bills.Asked him if the statements were sent to XXXX XXXX.He indicated yes, and advised that XXXX University should have informed me.Informed him that I was also not advised that I was charged ( XXXX ) {$25.00} fees for a total of {$200.00} and I never recieved any paperworks showing such.Asked him to refund the {$200.00} fee.He advised that my account is now completely paid off and by refunding the {$200.00} fee, it would put my account into negative and they would have to credit me the {$200.00} which they could not do since they are only the loan servicer. ( XXXX ) of the {$25.00} were refunded. There were un-authorized charges on my account and Genesis Lending failed to provide statements showing charges, interests, payments and credits as per requested in my previous XXXX responses. Please be sure to provide statements showing such since the loan origination date. Alternatively, please be sure to send a refund check for the remaining balance of {$120.00} plus any interests to my address on file. ALSO, I keep on getting emails and mail indicating that I need to pay my student loan. Please be advised, my loan is completely paid off. Please update your file to reflect this so I do not get further emails or mails.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northern Alliance Management, LLC
State: GA

Complaint narrative:
I have been getting repeated calls from a company call XXXX or XXXX. The say that I have made an agreement with their company and that something has happened to where I need to resolve it. I have never dealt with this company before. I did use payday loans in 2012 and I have paid those debts off so I know that I do n't have a debt with these people. I have researched the phone numbers used for them ( they call from a Delaware number but leave a different number to call back ) and have found they call other people claiming the same thing and others have found it to be a scam. They also recently contacted my mother to get some information and I am not a minor, so I know that it was wrong/illegal for them to do that. ( I was not a minor when I incurred any of my debts either. ) I do n't answer when they call because I do not answer numbers I do n't recognize but they do leave me voice-mail messages. I get several calls in a week and it is a problem because I do n't owe any debts other than ones on my credit report. I am feeling harassed by these people and it needs to stop. [ The number they call from is XXXX and the number left for a return call is XXXX. ) I have fallen victim before and I just want others to know not to take everything at face value.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY
State: KS

Complaint narrative:
I called XXXX & XXXX and was told the account reporting on my credit file does not match my address or my identifying information yet Target/TD is still reporting on my credit file. My address : XXXX XXXX XXXX XXXX KS XXXX. I 've been a victim of identity theft many years ago and I have submitted yet another police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: VA

Complaint narrative:
I was attending XXXX University in XX/XX/2011. I had completed 2 semesters when myself and the rest of my classmates received a call to inform us not to come to class the rest of the week and we would be informed later as to what was going on. Well the school lost accreditation to their XXXX program. We were all involved in a lawsuit that was settled through the college insurance. It was only a very small portion of our loan amounts due to the large number of students involved. Anyways we were still left with a very large debt and no degrees to increase our salaries to pay these debts. I am struggling to repay these loans and it has really damaged my credit report. Gendering me from buying a car and the necessary items one needs. XXXX scammed us. They are letting me defer my payments right now due to my income but they are still adding interest to my loans at a high rate. Every time I get a job that pays decent they expect {$400.00} to be payed to them monthly. Sometimes more. I feel like I 'm never going to get this taken care of. What they are doing is wrong. Please help. The college needed up losing all of their accreditation and had to shut down. XXXX University XXXX XXXX campus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The colossal stupidity and incompetence at the XXXX XXXX XXXX branch of TD Bank is unparalleled and has reach dizzying heights of monumental XXXX. They once again failed to wire transfer {$4600.00} to the correct party yesterday and on top of that, no one called to let me know even though they have my cellphone number on the account. In other words they let a whole day go today and when I could have fixed it they failed/refused to even let me know about it. This is the third time they have done this in 6 months, amongst other major training problems with their XXXX staff. In the past they have arbitrarily blocked my ATM card from making routine mundane charges for " fraud protection, '' refused to credit me when I purchased electronic goods that did not work and were defective, and opened up a Lawyer Escrow account as a regular checking account. The manager at this branch needs to be re-trained if not fired for incredibly stupidity and XXXX training of her staff, which appears to have a turnover rate of new employees every few weeks. Not only that but they allow accounts to go negative and bounce checks without notifying you so that they can clandestinely collect a fortune in fees. Please urgently assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Loan # XXXX Complaint : Taxes paid from escrow account that were from another property owner for unsecured debt over 30 years old. Ocwen will not remove and cancels appt 's. Ocwen returned wire to reinstate loan 1 week after receiving. 

XXXX I was doing a loan Modification in XXXX and discovered that Ocwen had never paid my taxes on the XXXX parcel and it was going up for auction. After many calls trying to get anyone to understand this Ocwen finally paid the bill XXXX. I was assured by the relationship manager that when they finalized the modification the back taxes would be included. After analyzing my escrow account I realize that they not only did not include these amounts in the loan modification but that they paid some on else 's taxes. There were taxes paid that were from XXXX XXXX/XXXX/XXXX {$2000.00} on another borrower of the property that was unsecured. Ocwen keeps changing the payment amounts so I could not keep up with the payments as I am XXXX. Now I am trying to reinstate my loan and I can not come up with all this money that they are adding on my account. 
I have a reinstate on my statement amount of XXXX, XXXX XXXX/XXXX/XXXX Talked to Ocwen XXXX/XXXX/XXXX to try to get help with loan and was told that I had to pay all the old taxes to that were not mine. 
Received reinstatement amount on XXXX/XXXX/XXXX that says XXXX. I then did the research on amounts due and found all the escrow errors on my account. XXXX I called CA tax collector and got them to email the information regarding the taxes that were paid for someone else out of my escrow account. XXXX I emailed XXXX XXXX XXXXXXXXXXXX with all the information. I made an appt to talk to Ocwen XXXX, they never called, looked on computer and apt was deleted. I created another apt for XXXX/XXXX/XXXX, I checked for the apt XXXX and it was deleted again. I rescheduled again for XXXX/XXXX/XXXX and no call. XXXX I received letter from XXXX totally ignoring what I said about the taxes. XXXX I called the taxes department XXXX and talked to person id # XXXX and explained the whole issue. I was told they would research and call the tax collector I had talked to and I should hear back in 2 days. I heard nothing and I could not wait to talk to someone so I sent my statement with the amount due to reinstate, wired the XXXX on XXXX/XXXX/XXXX to Ocwen. As of XXXX/XXXX/XXXX the payment had not been credited to my acct. On XXXX/XXXX/XXXX the appt. to talk to the relationship manager was cancelled. I went back in the computer to reschedule again ( not XXXX/XXXX/XXXX ) and noted that I had paid the amount that was due on my statement. On XXXX/XXXX/XXXX the monies paid we suddenly returned to my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XXXX of 2014, I had inquired about opening a personal savings or checking account with TD Bank, as my XXXX previous business accounts were closed in conjunction with a failed business. I was told that I could open a checking account, and that I would not be charged fees if the account were opened with a minimum balance of {$100.00}, which I did. As no further transactions were conducted, there was never a reason to inquire about the account. 

When I returned to the bank 1 year later, to begin making deposits, I was told that my account was closed, my {$100.00} was gone and that I owed the bank {$45.00}, even though I had never conducted XXXX transaction. The reason was that the bank charged me {$1.00} to send me a paper statement ( which I did not ask for and would prefer email ), and then promptly charged me {$15.00} a month for being under balance until the account was depleted. 

I am not against bank fees, but to deplete an entire account where not XXXX transaction was ever made is egregious at best and predatory at worst. Bank Statements are a necessary cost to the branch to conduct business in this state. Furthermore, had I been informed at the outset, I would have opted for E-Statements which do not cost money. They claim this is offered to everyone, but this was not discussed at all with me when I opened this account, and the employee who opened the account no longer works for the company. 

I contacted the XXXX XXXX XXXX branch who told me that I had to call customer service at XXXX. Customer Service told me I had to call recovery. Recovery referred me back to the branch. The branch again said I needed to speak with customer service. I am requesting that the CFPB assist in the bank investigating the matter and remitting back into my account all fees associated with the " under balance fee '', if not the {$1.00} per month paper statement fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
1. TD Bank offers online account opening option. However does not give any notice that my credit will be checked without my knowledge. 
2. The application does not get approved based on their erroneous credit info report they get w/o informing the customer of this process. 
3. Once I called the CSR, the manager indicated despite checking my credit ( the bank wants me to go to the branch ) to verify the info! 
4. The manager said in the bank they do not check credit. But again no such info is listed on the site.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
My ex-wife obtained pictures of checks I mobile deposited. When questioned how she admitted that XXXX of her clients ( my ex is a XXXX ) works for TD Bank in XXXX South Carolina and obtained these for her. I went to see my local branch manager who was helpful and opened an investigation. I had to close my account and I opened a new XXXX ( I watch it daily to make sure there is no funny business going on ), and I was told my account would be watched for any questionable activity. Meanwhile I had to lay out {$80.00} to have new checks printed and sent to me XXXX day air. This whole mess caused absolute chaos in my bank account and I am just now about XXXX months later, getting back on top of things. Meanwhile because of the mess the banks employee made, I have had overdrawn checks and they have made at least {$500.00} in fee 's off of me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX filed a Tax Lien, which was originally sent to old address. Recently it was forwarded to my new addressed via USPS. I immediately called XXXX XXXX Tax collector and paid the tax lien the day I was notified and requested they update address as I was not receiving tax bill. The representative I spoke with confirmed they had old addressed and would be sending out new docs with correct address, which I completed. He also confirmed that they did not report this to my credit, as account is now paid in full ( Removed tax lien ). However, this is showing up as public record/tax lien on my credit reports. Tax collector advise to dispute with credit reporting as they are not reporting it. I am disputing this as account is paid, and tax lien should be removed as it in not accurate information reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 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: CCB Credit Serivces, Inc
State: IN

Complaint narrative:
XXXX SERVICES WAS PAID AND SETTLED ACCOUNT IN XX/XX/XXXX-XX/XX/XXXX, XXXX-ILLINOIS ACCOUNT XXXX, SOLD DEBT TO XXXX XX/XX/XXXX WHERE THEY WENT ONTO CREDIT REPORTS W/O VALIDATING INVALID DEBT. FCRA, FDCPA AND TCPA VIOLATORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: AL

Complaint narrative:
I have been paying only the interest on a {$5000.00} title loan that I was forced to get under duress of just losing my job. I have a car in which I spent nearly {$2500.00} in repairs and the truck still does not work and I have missed work on several occasions due to this. I 'm in financial distress due to this and I even paid {$670.00} which only went towards the interest. Had I know this would happen like this I would have never agreed to this amount of money. And to make matters worse I lost my home in a fire XXXX XXXX 2014. I need help, please help me..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Prince Parker & Associates
State: IL

Complaint narrative:
Prince Parker and Associates has been repeatedly calling me to collect a debt they allege is from XXXX XXXX XXXX. When pressed, they say they received the " file '' from XXXX XXXX XXXX in XXXX XXXX for a debt from XXXX! I am not an XXXX XXXX XXXX customer, but I was, and I was until later than XXXX. Any bill from XXXX should have come to my attention in XXXX, and at the very least I should have been informed when I discontinued service with XXXX XXXX XXXX, around XXXX or XXXX, I think. When asked why the first notice of this debt comes from a questionable collection agency 10 years post alleged debt -- they say " call XXXX XXXX XXXX. '' I therefore believe the debt is pure fiction, and that the collection efforts are a fraudulent attempt at nuisance money. Plus, XXXX XXXX XXXX should not be allowed to sell whatever spurious information they have that allows companies like Prince Parker to " defend '' their actions in pinning debt on people completely unconnected to the original debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Auto Trakk, LLC
State: NC

Complaint narrative:
I contacted AutoTrakk LLC about an account being reported on my Credit File. The direct dispute was received on XXXX XXXX, 2016. On XXXX XXXX, 2016 AutoTrakk responded with a very vague reply stating that the file was verified by them, which is not adequate information for the direct dispute to be considered responded and verified. There was no supporting documentation and the dispute, as far as I am concerned was not resolved by the lack of information provided by the firm. As a result, I am more than sure that the account must be removed from my credit file and the company must cease collection attempts. In addition, when AutoTrakk initiated the repossession process, they did not follow NC state laws and send notification of intent to sale along with the location and other pertinent information about the sale of the vehicle along with deficiency information. Which makes the deficiency balance void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation