vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Constant calls 7 days a week, early morning, late night. I paid the debt in full after being told it would be marked as paid in full and removed from my credit report. It wasnt, only after i realized a collector cant remove or alter whats been reported to the credit report. Even after the payment was made in full ( 2 months after ) i received calls asking to make a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
The caller asked me to verify my Social Security number and address. I told him I would not do so unless I knew what the matter was regarding. The caller said he would not disclose the company/business he was calling from and repeatedly asked me to give him that information. I hung up and searched for the number on XXXX to discover that it was a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery continues to collect on debts that were charged off XX/XX/XXXX it is 9 years later and they still continue by callilng from different phone numbers and states. They called last week and again on XXXX/XXXX/XXXX at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
i was contacted by Portfolio Recovery associates XX/XX/2016 stating they bought a debt from XXXX XXXX that I was responsible for. I disputed it at that time stating I did not owe this and requested information to prove the debt per my right of the fair debt collection act. they sent me a copy of an old statement but refuse to send any further information such as a signed application or a payment history. I have asked multiple times for this information and they continue to just say either file as a fraud or pay it. they will not substantiate this debt as being mine. it is reported on my credit and causing issues. this company has had a lawsuit from multiple states already regarding their practices and I would like this removed from my credit due to them unable to prove the debt is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
i leased a car a year and a half ago as i heard they have amazing cars, someone ran a stop sign and hit my car declaring it a total loss- all the money i got from that accident went straight to toyota to pay off my lease - when i went in to get a new car i was denied because of how low my credit was .... i was surprised i always checked on my credit regularly and last time i checked i had a score of over XXXX which is considered fair, i have NEVER PAYED ANYTHING LATE. I ask why my credit was that low and they tell me its because toyota put on my credit report that i made XXXX late payments -- - i was aware of this mistake in their system but i spoke with XXXX, XXXX and XXXX and i was told the problem was fixed and wouldnt cause any issues. Two days ago I go into toyota explaining the issue and telling them that i need a car and due to a mistake their system made i am unable to get one anywhere else so although i am disgusted with their company i am back for another car, they did not care. I was told i would need XXXX XXXX dollars down When i tried to further contact toyota we were hung up on multiple times resulting in a four hour phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
We recently installed a home phone line and a week later started receiving frequent calls from Portfolio Recovery at XXXX asking for a man who does not live here. The calls come throughout the day and we have informed them many times that they have the wrong number. Each time I try to speak to a supervisor I am hung up on by the caller.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have been trying to get this debt resolved for over a year. When you call Portfolio Recovery Associates the Representatives mis represent themselves as being in the " Litigation Department '' as an Attorney, continually mis-represent not receiving my written dispute, transfer me to Managers that are not managers, tell me to call a Department that does not exist, tell me that a Vice President will call to resolve, without getting a call. 

They tell me that I am on a " reordered '' line and when I tell them that I am going to " record '' the call they wo n't speak to me. Today I spoke with no less then XXXX representatives and each lied in a different way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Portfolio Recovery calls at least once a day for the last XXXX years. We 've told them years ago to quit contacting us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
I filled out a house rental application and received a call from XXXX XXXX XXXX saying I was accepted, so he sent over a lease that was signed by him and I signed it and sent back to him. After that he requested I send him a money order of {$1200.00} to his daughter ( XXXX XXXX ) and he will send me the keys. After I sent the money he stopped contact with me and after XXXX days of trying to contact him I called from a different number when he answered I said who I was and he hung up. He stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivables Management Partners, LLC
State: NJ

Complaint narrative:
I have no idea what this is for. Never received any communication from this company to dispute this alleged debt or for this company to validate this alleged debt.

Company response to consumer: Closed
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: MO

Complaint narrative:
Attended XXXX University XXXX in XXXX 2014, under the impression by accepting the " financial award letter '' that my schooling would be taken care of by a student loan. However, then this past XXXX, they began demanding payment in full. Including taking my XXXX tax refund. They have now began calling from the debt collector and I have asked for an attorney to assist me. I attempted contact a couple times via email, and had no success. The latest email from XXXX, and XXXX, had been pretty blunt and straight forward a blow off. On entering the school originally, I know that other students personally had problems with Al in financial aide returning or acknowledging communication. Had I been able to affor books this last year I would have went back, but was unable to. Amen I did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
I already paid this debt more than 2 months ago but it is still effecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I have been getting charged insufficient fees from M & T Bank. WHen I call their customer service number, they tell me if I go into the negative, and bring it o a positive by the end of the next business day, that I will not get charged an insufficient fee. I have gotten XXXX fees in the art 2 months, and would like them credited back to my account. I did file a compliant with the bank itself, and a Manager called me, but, she said she could n't do anything about the call center calls, that someone else would have to handle that. I do n't agree with the fact that their customer service reps say one thing, then you call and ask if you can have the fees credited, and then they argue with you non-stop about it!!! Please help me in getting this rectified, as I would like to continue banking with this bank! Sincerely, A Very Dissatisfied Customer!!!

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 2015-10-31 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have had a Target Visa Red Card since XX/XX/XXXX.I never had a late payment and by XX/XX/XXXX I had a credit limit of {$5000.00} with a cash limitof {$2100.00}. In the beginning of XX/XX/XXXX Target lowered my credit limit to {$3500.00} and cash limit to {$0.00} with no warning, no letter, and no explanation. I called, the first rep was not helpful, saying they always send a letter, did not want to give me a supervisor or credit ananlyst, saying they would say the same things he did. I finally got transferred to a supervisor.She could give me no reason for the decrease, and she saw there had been no letter sent with notification or explanation. She noted I had recently updated my income. After lookin over my history she told me she could not reinstate the limit manually but it would be reinstated in the upcoming review. She indicated the review was soon. As of today XX/XX/XXXX my limit has not been reinstated. This is not the first time I 've had a credit supervisor in a company not keep their word about approvals, imcreases, etc. I did nothing to cause the decrease and was given no explanation or a letter before or after.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 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: NJ

Complaint narrative:
TD Bank stacks transactions to their own advantage. Especially when an ACH withdrawal comes in the same day as a direct deposit - they will always charge a {$35.00} fee to pay whatever came in to be paid - even though the funds were available the same day the bill came in to be paid. When XXXX used my acct as a backup source for funding - it overdrew my account - a {$7.00} XXXX charge incurred a {$35.00} fee. Then the {$140.00} in fees from TD Bank cause my acct to be overdrawn which overdrew ANOTHER couple of small transactions ( like {$5.00} and {$16.00} all under {$20.00} transactions which incur a {$35.00} fee each ) - I literally paid more in bank fees in XXXX already than for any of my own purchases. There should be some kind of regulation that an NSF fee can not exceed the amount of the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I filed an application for a credit card after receiving an email inviting me to open a credit card from TD bank. A week late I received a denial letter from them for the reason stated on their letter of " your income is not sufficient in relation to your amount of debit '' and also stated that my credit score is XXXX. I was astonished by that since I am debit free. They stated on the letter that they got the information from XXXX agency report. I then thought that I probably became victim to identity theft. I then downloaded my credit repot from XXXX website and printed out. The report showed no debit at all in contradiction to what TD bank claim. On XXXX XXXX I called TD bank credit dept. to discus the matter and to ask them to fix this issue. I spoke to costumer service who said her name was XXXX and declined to state her last name. She offered me an apology and nothing else. She asked me to contact XXXX and I tried to get her to be logical saying that I downloaded their report about my credit history and I have it in my hand right now so please go over the line which state that I have any debit and let 's go over it together but she did n't do it simply because the reason they claim does not exist. My discussion with her was to no avail and she declined to put her supervisor on the phone with me. Now I am filing this complaint to bring this institution 's mater to light as I felt discriminated against and insulted by their declining me a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX ACC # XXXX this is a fraud account -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Please update my number to my fraud alert to XXXX XXXX Those inquired are not mine XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX UNIVERSAL XXXX XXXX/XXXX/XXXX XXXX CARD BANKING XXXX XXXX/XXXX/XXXX XXXX BANK XXXX TU XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX STORES XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX CARD BANKING XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX CREDIT CARDXXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " XXXX '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditorsXXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2016-04-13 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:
Yesterday, I went to a local TD Bank to make a {$400.00} deposit before XXXX so I could bring my checking account current and not have to deal with receiving any overdraft fees but when I got to the local TD Bank, after banking hours, my TD Bank debit card would n't open the door. No matter how many times I tried swiping my TD Bank debit card, the door would n't open. Si I never got to make my deposit before XXXX. When I called TD Banks ' customer service department, the young lady who answered my call quickly told me that this was starting to happen a lot with their customers and as I started telling her about other after banking hours situations I had in the past with other TD Bank ATMs ( not returning my debit card, not accepting cash deposits, etc ), our call get disconnected. So when I called back the new TD Bank XXXX number customer service representative I was speaking with, placed me on hold and when she returned to rhe line, the first thing she told me was that her supervisor her told her to tell me that I was going to be receiving several overdraft fees and that I was n't going to be given any courtesy refunds/waviers of the overdraft fees I was going to be receiving. I got so upset that I lost my cool and started cursing up a storm. What was I suppose to do, kick open or break the glass doors to enter TD the ATM area and make my deposit on time???? Clearly this was a situation caused by the doors at that TD Bank location and not me. This was totally out of my control and that why all of the overdraft fees I received such be refunded/waived. Plus these ATM doors at TD Bank, seem to be causing this situation all over the place, something that TD Bank needs to and should address and resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
in XX/XX/XXXX i reached out to td bank, because they were offering a 3 perecent interest on a seven year arm. The mortgage approval was a horror, they needed me to pay a fine from a previous owner with XXXX. I paid {$1500.00}, and then later found out it was not my responsibility. The mortgage was processed in south carolina, and at every turn i had to explain that the workup was not adding correctly. eventually i got the mortgage done. Then to my amazement, they tell me i can not manage my mortgage online the way most mortgages are managed. The only way to make principle only payments is to walk into a branch office. Each time i have to fill out a withdrawal slip and sign it? well on XX/XX/XXXX- i pulled XXXX from my checking to make a principle only payment. to my disbelief, they posted the XXXX as a suspense entry-it shows up in the history, and does not reduce my mortgage balance. I mean i have called and emailed them, they just do not respond. they made a mistake anerror, and six business days later they have not fixed their error. i have never wanted to pay a mortgage off so badly. Imagine if i did n't check my account regularly, they are technically stealing my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
My wife is XXXX, with a number of ailments, including a XXXX XXXX. She has never had any financial experience whatsoever and does not have a clue what any of the terms mean. Several months ago, our daughter " needed '' some money for something and she suggested my wife get a title loan on the Lexus I had just paid cash for. The TitleMax people were only too happy to take the title to the car and give her less than half of what it was worth. It appears she may have gotten something TitleMax would call " disclosures '', but she did not understand them and ended up signing under pressure for a loan with 116 % APR. 

She was loaned {$5000.00}, has made {$7000.00} in payments and they want another {$6000.00} to release the title. My wife is XXXX ( was at the time of the loan ) and can not work. I am currently ( for the past year ) undergoing XXXX for the second time. She is going to lose her car after paying more than ten times what she should have paid for a short term " loan ''. Its pretty clear these people, who have very aggressive phone sales practices, are dishonest sharks that ought to be put in jail. 

Among other things, we are alleging a severe violation of UDAAP - clearly my wife was at risk and they took advantage of her age and lack of financial sophistication. We want the title back and any money already paid that exceeds a fair rate of interest. These guys are serious crooks - why are they allowed to remain in business???? They prey on the poor and those who are down on their luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 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: TMX Finance LLC
State: MD

Complaint narrative:
One of the employees from debt collection company has contacted me four-time from his personal cell phone to make a payment the first two times i have asked for him not to contact me from his cell phone. He lied and told me it was his company landline I called it back and receive a cell phone voicemail. also looked the number up in the white pages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
My name is on a debt with a collection that is not mine. I never signed anything to be responsible for this medical bill.

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