vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
My ex-spouse passed away. Medical bills for my children that my ex-spouse was legally responsible for were not paid. The bills were being sent to him. I had no knowledge of the bill until I received a notice from my credit monitoring company. I contact the collection agency and was told it is my problem and to take my dead ex-spouse to court. They refused to work with me and told me it is my problem and I have to pay the bill, just before hanging up on me. They offered NO documentation that this bill was valid nor did they made any attempts to contact me regarding outstanding debt. I have since paid the debt even though I have received no proof that exists and have filed dispute cases with the credit reporting just to not have it impact my credit report. I find it unacceptable that a debt owed by my deceased ex-spouse be charged negatively against my credit when I have NO knowledge of its existence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Since XX/XX/XXXX XXXX is no longer involvement with my loan, now in XX/XX/XXXX XXXX transfer my loan to PennyMac Loan Services. I want to know who is my bank, also I need the Holders of the note in date courses for XXXX and PennyMac loan services.
And notorarize all the documents with perjury of witness signed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Capital Management Services, LP
State: TN

Complaint narrative:
Capital management has called me multiple times a day either speaking with me or leaving voices mails. When they have called and I picked up I told them to stop all phone call communication. If they want to talk to me to mail me information. Nope rhey continued to call leaving my personal info on my phone, on my step grandfathers phone. When they as well told them I do n't live there nor do they talk to me and please stop calling the wen harassed them. I have one of the.voice mails saved with the women 's name. I know the fcpa laws and the cfpb protection laws they have broken more than on with me. This must stop, I am looking into law suite with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: WA

Complaint narrative:
I am a conscientious borrower and historically have kept my student loans payments up to date. To make this easier, I changed from individual internet payments to using the bill pay service from my bank. When I made internet payments to ACS, they would divide the payment between my XXXX accounts there. When I changed to my bill pay service, they began to apply the payments exclusively to XXXX account. Consequently, XXXX account is now paid up through spring next year. But the XXXX account is listed as overdue. They reported me to the credit agencies because of the overdue account. I have called multiple times explaining the circumstance, and asked them to apply the amount necessary from the over-paid account to the past due account to bring it current. I now make to separate payments each month to keep the overdue balance from getting larger. But despite my efforts and multiples calls, they still have not transferred funds from the over-paid account to the overdue account. They have reported me to the credit agencies, which has had an impact on my credit rating. And they keep calling me and hounding me at work. I see no reason why a consumer who has over-paid ACS should be subject to the embarrassment of being called by creditors at work ; a decrement in my credit score ; and the frustration of explaining the circumstance over and over only to have ACS fail to address the circumstance. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Midwest Recovery Systems placed an account in collections under all three of my credit bureau reports XXXX as of XX/XX/XXXX in the amount of {$810.00}. I have not received any written or verbal communication from this company regarding this collection nor have they allowed me the chance to validate this debt prior to placing it into collections on my reports. My credit reports state this account went unpaid as of XXXX which is not true! I have not had any unpaid accounts in more than 7 years as I have watched my credit reports vigorously. Therefore, this can not be correct. The account number listed on the reports for this collection is # XXXX. If this company can not validate or verify this debt they are not allowed to collect it. Also, an account can not be reported if the ORIGINAL DATE OF DELINQUENCY is more than seven years. Midwest Recovery Systems will need to provide proof of the original delinquency date which is the date the account first became delinquent ( with original debtor ) and after which it was never again brought current in order to continue reporting. 
Address on file : XXXX, MO XXXX or XXXX XXXX MO 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 2015-12-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Morgage payment late due date on XXXX.check made out XXXX.put in mailbox.was called by penny mac a few days later asking if payment was sent.told them date mailed ect.rep said it may have not arrived yet perhaps due to postal holiday on wednesday middle of week.told them that could be .XXXX on XXXX. Payment recieved 1 day past grace period .recieved on XXXX.due XXXX. Called company rep because i recieved a letter asking why i hadnt paid the XXXX late fee?? Called penny mac explaining holiday ect.they would not comprimise.i have included late fee with next payment but would like credit for fee. First time ever being late in 6 yrs mortgage paying.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
I received an alert from credit monitoring service stating I have a new account which is a negative entry of a collection account with Midwest Recovery Systems in the amount of {$660.00}. I never had an account with this company nor the original creditor or XXXX nor have I ever heard of them. I never received any written communication from either company in regards to this fraudulent debt and therefore is a violation of the fcra. This is is not my account and this fraudulent account has been placed on all 3 of my personal credit files illegally. By law I should have been sent a letter from this collection agency giving me 30 days to validate this debt, however I was violated of that right. I have sent a letter to this company requesting validation. This company is conducting illegal practices. I did n't have any collection accounts on my credit files until now because I pay my bills on time all the time. I 'm in the process of closing on a home loan and because of this blemish on my credit reports my score has went down dramatically due to incorrect and fraudulent information from this Midwest Recovery Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: VA

Complaint narrative:
The balance now is {$290.00} and it was {$240.00} and we were sent a letter of default when we have n't missed a payment. The manager of this place will call you 4 to 5 times a day. She has called people of contact more than one time a day even when you tell her when you will pay and what you will pay they continues to call. This is harrassment and should n't be happening. She is rude and if she is doing us like that she is doing others the same way. We have had a loan before from another branch for more money and we were never treated the way we are now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIRSTBANK PUERTO RICO

Complaint narrative:
I opened a car loan in XX/XX/XXXX, in XX/XX/XXXX I sold a car to a dealer, the vehicle is paid in full, but in my credit report have a balance of {$26.00}, account in good standing, but lower my credit empirical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-24 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: AZ

Complaint narrative:
I attended XXXX XXXX in XXXX, N.J. ( XXXX XXXX , XXXX ) in 2012. I was talked into taking out a Genesis to attend the XXXX-owned school. I was promised an education in XXXX that would get me a good job in the market.They used illegal tactics to induced me into taking out a private loan with Genesis to continue my education at the school. Their was threats and pressure to pay before the course was completed. What do I need to do to get my money returned from Genesis. The total cost for the course was {$17000.00}.

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 2016-04-14 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:
Please attach to CFPB Case Number : XXXX. Yesterday, I received a call from a TD Bank representative to discuss my complaint and that ssme TD Bank representative told me she would get back to me yesterday about refunding/waving the overdraft fees I had received on my TD Bank checking account due to me not having access to a TD Bank ATM because the TD Bank branch door would n't open when I inserted my TD Bank Debit Card. I never heard back from that TD Bank representative. So yesterday when I go to make another deposit before XXXX so I do n't receive anymore additional overdraft fees the ATM machice was n't accepting cash deposits and of course all of the other TD Bank ATMs were being used so XXXX came and left and I was just standing there waiting for another TD Bank ATM to become available so once again because of a situation that was totally out of my control and totally also TD Bank 's fault that I 'm once again receiving several more unfair overdraft fees from TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OR

Complaint narrative:
On XXXX XXXX 2016, my student loan vendor changed from XXXX to ESCI Heartland. 

While the account transfer was taking place, I was under the impression that no fees or penalties would be assessed. I was able to enrolll in autopay starting in XXXX 2016. 

However, to pay my monthly payment of {$120.00} I was assessed an XXXX cent fee. Seeing as I do not have a choice but to make a one time payment for XXXX, the fee seems trivial and a way to ris

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Receivables Performance Management ( RPM ) has misrepresented the facts in order to try and collect on an alleged debt. I had previously filed a complaint against RPM disputing the alleged debt and stating that I have never received a validation letter. RPM responded that I had spoken with them in XXXX 2016, which is a flagrant lie because I did not speak with them in XXXX 2016. They are lying which is a flagrant violation of the Fair Debt Collections Practices Act. I have asked for verification as to the XXXX 2016 phone call because I did not speak with them in XXXX 2016. I have disputed the debt and RPM has not provided me any documentation as to how they own or are authorized to collect on this alleged debt and validating that I would owe such a debt because I dont. In addition, RPM agents hung up on me twice on XXXX XXXX, 2016 when I called to dispute the alleged debt. RPM has repeatedly lied stating that they do n't have a record of the phone call which is a flagrant lie. RPM is engaging in serious violations of the Fair Debt Collections Practices Act with their abusive and deceitful debt collection practices. I do n't owe any alleged debt to them and am disputing the debt. I want the alleged debt removed from my credit report. They are constantly trying to fish for information when you ask them to verify the information which is another flagrant violation of the Fair Debt Collections Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I was told when I started the program at XXXX that they 'd cover all tuition with low interest federal loans. Then half way through they told me my options ran out and I had to leave the program or take these private loans. I declined. They said they 'd work with lenders to get me grants that would not need to be repaid. So I stayed in school, then at the end they told me they never got the grants and instead got me loans, at a rate of XXXX % through Navient. When I got my first bill it was XXXX % and XXXX %. I tried for years to work with them but their minimum payments were ridiculously high. Now they are suing me and taking me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 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: AR

Complaint narrative:
A relative used my social security number to obtain XXXX XXXX XXXX. I contacted XXXX XXXX and made payment arrangements with the person who used my social security number. After explaining that I did not use their services, services were provided in XXXX and I live in XXXX. The debt was taken off my credit report but now is back on and causing my credit score to be lowered. The bill is now being taken care of and wish to have the debt taken off my credit report. I also would like the company to stop calling me. I have provided all the information to have the debt paid for even though it is not my debt. Can this be taken off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NE PROCESSING LLC
State: UT

Complaint narrative:
North Eastern Processing XXXX call with a recorded message saying they have made many attempts to contact me and this is their final attempt. They said they have XXXX counts filed against me and they are going to call the county clerk if I do n't call them within 48 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I went through a Chapter XXXX which included a Reaffirmation of my vehicle. I represented myself and understand what was included in the Reaffirmation. The Chapter XXXX started in XXXX XXXX and was discharged XXXX XXXX. The Reaffirmation included the total amount due to TD Auto and included a payment schedule that I am to follow to pay the total amount I owe. That schedule started on XXXX XXXX, XXXX for 62 months and I have n't missed a single payment. XX/XX/XXXX I was assessed a fee and now shown to be late. When I called TD Auto I was told I missed a payment in XXXX and I was being charged for it. I tried to explain I went through a Reaffirmation in Bankruptcy and did not miss a single payment so I could n't be late. TD Auto stuck to the belief that the Reaffirmation meant nothing as I filed a XXXX complaint that ended in a stalemate with TD Auto insisting I was late. The XXXX referred me here to take the next step as they have no power to take this further. The complaint number from the XXXX is " Complaint ID # XXXX TD Auto Finance ''. TD Auto claims I never contacted them to make the missed payment when in fact I went through a Chapter XXXX and corresponded with their lawyers, agreed to Reaffirm what I owe, attended the court hearing for the Reaffirmation and was granted the Reaffirmation I sought and agreed to pay and have made those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
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 tried to get a pharmacy rewards card, but the cashier did not understand and she made me to apply a target red card? I noticed that this person was a sales training to get bonus, and charged {$38.00} from the target red card. I closed the account the last XXXX, so I received some letters regarding the payment plus interest. Now, I have financial matters and I am not willing to pay the new balance.?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
We account was closed randomly without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 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: WI

Complaint narrative:
I have XXXX loans through Great Lakes that are in repayment, aquired while a student at XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, WI. I have been making regular payments on the XXXX of each month for a number of years. On XX/XX/XXXX I made an extra payment online. The website clearly stated that after regular payments are made I can specify funds minus outstanding interest to be allocated how I specified. However on XX/XX/XXXX when I logged in to my account I see that the extra payment was divided between my XXXX loans. I called the service representative who told me that the " billing cycle '' starts the day after the regular payment is made and any payments after that day are applied as regular payments first, then the remaining amount it applied as an extra payment. She informed she could not change how my payment was applied. I requested to speak to a supervisor, which I did. The supervisor again reiterated that their policy is that the " billing cycle '' starts the day after the regular payment is scheduled and any payments made after that day are applied as regular payments first, applied to both loans, then any remainder is applied as an extra payment. Despite my insistence that my regular payment was not due for several more days and so the extra payment should be applied as such she informed that their policy had change recently to reflect the current " billing cycle '' policy. She informed me " no one can change the policy '' or change how my payment was applied. She also stated she had received multiple complaints regarding this policy. 

I would like to note I am aware that extra payments are applied to interest first. I am not disputing that the funds were applied to interest, but also applied to principal of the other loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This is regarding gift cards from TD Bank. I was given XXXX TD Bank XXXX Debit cards at various times as gifts. Both are unexpired. I put them away with some othe gift cards I had accumulated for a larger purchase. 
I attempted to make tis purchase with these cards recently. The other XXXX cards I had, XXXX XXXX cards and another XXXX Debit card from " XXXX '' worked without problem. The XXXX from TD Bank, I was told required a PIN number to be used, even though the sticker on the cards said that they were active and ready to use. My wife registered the cards and set PIN Numbers for both cards. While registering the cards, we found that the cards had depleted in value. The {$50.00} card was now worth {$40.00} and the {$150.00} card was now worth {$110.00}. 
The cards were brought back to XXXX for use, and again they were declined. 
I went to the TD Bank branch office in XXXX NJ and spoke with the " store manager '' XXXX XXXX. I told my story and asked that the cards be cashed out since they apparently did not work, several times, in a store. 
He said that there was nothing he could do, that company policy was that they could not be cashed out. He put me on the phone with the credit card office to discuss why the PIN did not work. 
I spoke with " XXXX '', a supervisor. He looked up the cards registered under my name. He said that they were registered, but that there were no PINS assigned. I assured him that my wife had done this, he assured me that she had not. He said that if I go through the process again, that PINS will be assigned and they will be fine. 
We have already been through this. I wont go through it again. If I do, and we again attempt to use cards that dont work we will look foolish, and probably with suspicion. I want the value of the cards in CASH. I want to know why fees of {$50.00} can be removed from these cards. I had XXXX other cards, from different vendors that worked fine. I believe that whats being done is fraudulent and predatory.

Company response to consumer: Closed with explanation