vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Consultants of California
State: CA

Complaint narrative:
I have been speaking with representatives over a course of a couple of years. Most recently, I decided to call and speak with someone about getting these accounts taken care of. There was a delay because there was some accounts that they had that needed to be retracted/deleted by the original creditor. I ended up speaking with someone that gave me a total of a certain dollar amount over {$700.00} to pay in order to settle the account for deletion. She gave me this option with either removing all interest or giving me a 25 % discount, which equated to almost the same total. She said this would both resolve the account and result in deletion from my credit report. Between that conversation and the one that I had today, I called and attempted to settle for less ( understanding there might not be a deletion ) and was told they could n't accept only that. So I told them I would continue to get the rest of the total that was originally requested from me because I wanted the deletion. I finally got all of the money together and called back only to be told by someone else that paying this amount would not result in deletion, only showing account as paid. This does not make sense to me that a company is able to be so disorganized, that different reps are able to give different rules. Now I am being told that there 's no way to get rid of all interest or there can be no deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 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: OH

Complaint narrative:
I keep getting getting a call from this company every day and they never leave a message, and I 'm unable to call them back and find out what they want or who they 're looking for. A message comes up that this number can not be reached. I want these calls stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DIRECMANAGEMENT, INC.
State: NC

Complaint narrative:
Despite repeated notifications, DirecManagement continues to report that it is collecting a debt that I do not owe. Initially, they reported to debts owed to XXXX XXXX XXXX XXXX, XXXX for {$250.00} and the other for {$41.00}. XXXX these debts were paid directly to XXXX XXXX XXXX XXXX directly some time ago. I have disputed the collection accounts XXXX ; DirecManagement appears to have deleted the {$41.00} collection but verified the {$250.00} collection as valid. I never paid DirecManagement any money nor do I owe them any money. They are continuing to damage my credit for a debt I do not owe. They have failed to respond to any of my letters to them but continue to report negative information on my credit files.

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 2015-06-06 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: NC

Complaint narrative:
I got a student loan when I went to XXXX College in XXXX. The loan company was Genesis Lending Services and it was for a little over {$3000.00}. I ended up dropping out of the school due to it not being the right fit. I started paying off the loan in XXXX XXXX. I have had nothing but problems from this company. First they charged me late fees every month, and I had to call to make the problem corrected, then I applied for a line of credit through my previous bank and I did n't get it due to lack of credit history, which is okay but they told me my student loan was not reporting to my score or anything. So I called the company in XXXX XXXX and they said it takes a while, give it a couple more months and it will be on there. Well I gave up and decided to wait. I recently called XXXX XXXX and they STILL are not reporting. They said it 's a flaw with the specific loan I have, and they are working on fixing it. But it has been almost 2 years, and I should have been fixed by now. Them not reporting is messing with my credit and making my score not what it should be. They also mentioned my loan is being taken over by another company, and when I asked if I would be getting notified about this, she said only if I called and asked for a pamphlet or a letter. This transfer is something I should know about long before it happens. The loan transfer is happening XXXX XXXX, and I heard about it less than a month before it happens. This company is shady. I would like the student loan I 've been paying on for almost 2 year to be on my credit report so my score will go up and I can start life without having to have a consigner on everything!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Home Point Financial Corporation
State: VA

Complaint narrative:
I have a mortgage loan through Home Point Financial. I privately purchase flood insurance for the property which I have the mortgage through. Home Point financial has illegally set up an escrow account for the flood insurance which I am purchasing privately. I have contacted them multiple times via telephone and sent multiple faxes requesting that this unauthorized account be removed from my mortgage. They have refused. They are not authorized to collect payment for a service which I am privately purchasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CO

Complaint narrative:
I currently pay a Perkins loan throught the University XXXX. That loan is serviced through ecsi.net. Not only does this servicer assert that a perkins loan is not elligible for income based repayment plans ( with no explination ), it also can be paid with a credit card, which seems counterintuitive. Further, on a loan that does not show any compounded or accrued interest, I pay XXXX % of each payment to interest, on a 5 % interest loan with no explainitory documentation. For example, on {$160.00} of payments, I have reduced the total balance {$110.00}, with no documentation provided about where the other {$50.00} went, other than " interest, '' even though none of my bills list the interest amount accrued, or that interest is outstanding. For each {$40.00} payment, {$12.00} goes to " interest, '' despite no interest balance being listed anywhere on my total balance or monthly balance. Finally, there appears to be no way to pay online ( direct from banking account or otherwise ) without paying a service fee. I think the business practices of ECSI are questionable and need to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
Campus Partners, my loan servicer, has been consistently tardy in their repayment notices. Last XXXX I received a demand letter for {$450.00}. The payment was due on XXXX XXXX, but I did not receive notice XXXX XXXX. The demand letter had been composed at the beginning of the month, but was postmarked XXXX XXXX, rendering it unlikely to arrive before its due date - a fact of which Campus Partners should have been aware. 

In addition, Campus Partners have made themselves deliberately difficult to reach ( no email address, no way to contact them online, a nonresponsive call center that offers no path to speak with management and routinely hangs up ), and have obscured or otherwise failed to provide relevant information about loan information ( such as the ability to consolidate loans, or the actual deadlines for payments ). 

Rather than dealing with them, I have resorted to working directly with my college finance office. The finance office has been helpful, but they should n't be placed in the position of having to do their servicers ' job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Genesis Lending
State: CA

Complaint narrative:
I was just alerted to an update by way of my accountant that my entire IRS refund was taken by XXXX. It took me 3 years to find a job. I finally found a job and was able to collect income tax and they took the small amount that I was able to recoup. I am a single mother of XXXX children that went back to school at XXXX yrs old. I chose XXXX XXXX which is a XXXX school. They have no job placement. They reported my payment history while I was n't able to pay or find a job to the credit bureaus. I received this letter from XXXX solutions 3 days ago and put it aside out of apprehension. After receiving the news today of my refund, I was tempted to open this letter only to find this information. What can I do to keep these people from taking everything I finally was able to obtain and any future taxable income? They never even gave me an opportunity to get a job and pay the loan back. 

Distraughtly concerned,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
Regional Finance has been harassing me when I am due for my payments and every month are telling me I am past due. I have been making double payments at times and make attempts to make my monthly payments. They call me multiple times a day, but I am unable to answer or respond because I work long hours that have me on a conference calls or in meetings. By the time I am out of work, they are closed. They have also had a history of disclosing my personal information including delinquency status and loan details to outside parties that are not listed on my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-30 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
Hello, This complaint is with Target Card Services [ Red Card Credit Card ]. I have contacted Target Card Services over the course of [ 5 ] consecutive years for the purpose of requesting a lower Apr, which at present still remains 17.6 %. Each year the response has been 'NO, we do not lower our rate for any person or reason '. When I explained to the Credit Service agent that I had contacted a Credit Management company in early 2015 about such possible service I was informed that an Apr of 7 % would be set for my Target Credit Card, the agent responded with 'then I would suggest that you use that company '. A Credit Management company can get 7 % but I, having a very good payment history and always paying much more than minimum amounts, can not ... I do not understand the indifference and total lack of cooperation. With a Apr of 7 %, as an example, I would be able to the current balance of {$3500.00} paid off within approximately 2 years. 
Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I paid off my car loan to TD Auto Finance and they still withdrew a payment for the loan. I have tired to phone them, no success. I sent them a message regarding the situation and the response is it may take up to one month to receive a refund for the dollars they took out of my account. One month is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Altisource Portfolio Solutions, S.à r.l.
State: WV

Complaint narrative:
Recently Altisource XXXX XXXX XXXX has pasted another of these inspection sticker on the front door of a dwelling I have been squatting in for over a year and a half! first time they took all in the house and put it in the center of each room and destroyed the front door lock in addition! I need you to give them a cease and desist order as they are a scam! And as I am a squatter I can not give the exact location just it is XXXX XXXX. thank you XXXX 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 2015-10-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I discovered that {$25000.00} was transferred from my checking account to my Scottrade account without my approval. I contacted Scottrade and was informed that I would need to fax in a wire transfer form to get the money returned to my account. Later, I was told that I would need to wait XXXX business days before they could return my money. Because my overdraft protection was only good up to {$500.00}, my bank said that they would reject the transaction and return the money to my account since I was overdrawn by {$4000.00}. 

My bank was gracious enough to waive all the fees associated with this transaction. Scottrade, however, sent me a letter blaming me for this incident ; saying that I had inadvertently disclosed my account credentials or had a malicious virus or spyware on my computer and wanted me to sign an agreement that would basically blame me for any future security breaches if I did not change my password every month. It turns out that it is totally their fault because last XXXX, someone hacked into their eCheck secure and stole everone 's information. I am now requesting that my Scottrade account be terminated. I have also placed a security freeze on my credit at XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed
Consumer complaint received 2017-03-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX USAA/ Consumer Report Dispute Attn : Form Code # XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX, I still have not received your official response to my attached later from XXXX and closure of my identity theft case in your organization as outlined in the attached correspondence. 

However, in the very beginning of XX/XX/XXXX, after more than five months of lengthy and very painful follow ups by numerous calls and correspondence with your organization, XXXX XXXX XXXX from the office of the CEO at USAA confirmed verbally to me and my attorney, XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX, that finally USAA has recognized and confirmed this case as an identity theft! At the same time, for reasons unknown and surprising to me she said that your organization needs a bit of time to close this matter properly within USAA before confirming to me and credit bureaus in writing! Furthermore, after several calls with XXXX XXXX she promised that the case will be properly closed and communicated to me and all the credit bureaus the latest by XX/XX/XXXX. As of the date of this letter to you on XX/XX/XXXX and after several further reminder messages to XXXX XXXX I am still awaiting proper closer of this matter which has caused me unbearable personal and financial stress during the last six months. If you disagree with any aspect of the foregoing please do advise. 

I believe that I have been more than patient with your organization during the last 6 months, during which I have had to put many personal and business activities on hold, which have resulted in unbelievable hardship to me and my family, in addition to significant financial losses. I am therefore writing to you one last time in the hope of moving your organization to do the right thing with urgency and clear my record immediately, as you have already decided, by clear confirmation in writing to me and all the credit bureaus. In the absence of a quick remedy so that I can put my life back together, I will have to take the very unfortunate step of referring your organization to the court of law and I will hold your organization accountable for all the legal and personal costs that I have already incurred and will incur in the future to bring this matter to proper close. 


Sincerely Yours, XXXX XXXX CC : XXXX Office of the Attorney General Consumer Protection Division XXXX XXXX XXXX, XXXX XXXX FBI XXXX XXXX Special Agent XXXX XXXX XXXX XXXX, XXXX XXXX Comptroller of the Currency Customer Assistance Group XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Attorney At Law XXXX XXXX XXXX XXXX XXXX XXXX, 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 2016-03-10 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: FL

Complaint narrative:
I consider myself to be a smart and responsible consumer. I was recently charged for XXXX overdraft fees by TD Bank. I keep a record of my purchases and also check my balance online daily. I made XXXX purchases/payments to XXXX XXXX on XXXX/XXXX/16. This left me with approximately a {$10.00} balance. When I checked my account on XX/XX/XXXX everything was fine. On XX/XX/XXXX the XXXX aforementioned payments came out but only after a unauthorized charge of {$130.00} hit my account on XX/XX/XXXX. I spoke with the company that charged me and immediately deposited {$130.00} to cover that even though it should not have been debited as a recurring charge. I also had XXXX negligible charges also prior to XX/XX/XXXX that did not post until XX/XX/XXXX. I contacted TD bank online. I was told I would receive an email response with 24 hours. 48 hours later I had no response. I emailed again. I finally received a response which stated the fees were valid. I walked into my local branch. I explained what happened. I asked them to look at my record. The representative stated they do n't process transactions in the order they come in, they process them high to low. Had that unauthorized charge of {$130.00} not hit my account first, I would n't be facing XXXX overdraft fees totaling {$140.00}. I consulted a friend in banking who said it was a common practice but some banks were changing this. This is not an ethical practice. This is a greedy money making practice for big banks to prey on hard working consumers. The bank refused to issue me credit for the fees. I will no longer be banking with TD Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO

Complaint narrative:
I get paid bi-weekly, and there are times i make my payment a couple days late from my due date but I always make my payments within the month. Example : payment due on the XXXX of every month i get a text/call/email on that day from my lender, the next day they call me again text/email/phone, third day they will threat they will start calling my reference to if i dont call to make a payment. I dont understand why this lender threat me every month when i make my payments, i have never miss a month of payment with them. I need this to stop. they call my phone/email/text me and then do the same to my husband i have emails/text from them and they are not professional at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 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: TN

Complaint narrative:
I just sent this letter to mygreatlakes.com, it 's the second time excess payments have n't been made correctly. 

Please apply 100 % of my excess payments to the account with the higher interest rates immediately. 

XXXX/XXXX/2016 - {$85.00} XXXX/XXXX/2016 - {$20.00} XXXX/XXXX/2016 - {$85.00} XXXX/XXXX/2016 - {$85.00} XXXX/XXXX/2016 - {$40.00} According to your repayment rules, there is zero reason for the monthly payment for loan token XXXX to be going up each month. My payments being made in excess should be going towards token XXXX, as outlined in my overall account, and as each payment is made. I choose for 100 % of the excess payment to go towards token XXXX with the higher interest rate, and it NEVER happens correctly. 

Please contact me as soon as you can. This is the second time I 'm contacting you about this problem after I was told it had been resolved over the phone. I will be contacting the CFPB as well with this exact letter for the second time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had a {$5000.00} credit limit with TD Bank for over 10 years. I was late on paying my account and they lowered my credit limit to {$500.00}. That lowered my credit score and now looks bad. I was n't even 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC
State: CA

Complaint narrative:
ATTEMPTED TO GET A TITLE LOAN BUT DID N'T FOLLOW THROUGH AND THE LOAN WAS NOT FUNDED, YET THEY REPOSSESSED THE CAR. I NEVER RECEIVED ANY MONEY FROM THE COMPANY AND YET THEY STATE I OWE THEM XXXX DOLLARS IN ORDER TO GET MY CAR BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital One suspended my credit card and charged late fees to it for what they claimed was " fraud activity ''. I spoke with the bank and they said that " one of the credit bureaus had alerted them of fraud activity '' ... but would not say which one. 
Capital One opened a new account for me and moved the balance of {$740.00} to that account. But they added late and services fees bringing the balance up to {$800.00} for issues that have NOTHING TO DO WITH ME. There is no fraud on my account and they will not give me anyone to contact or which bureau suggest that fraud existed.

Company response to consumer: Closed with explanation