vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
From XX/XX/12 to XX/XX/12 I paid Exeter Finance {$13000.00} dollars which added to about {$5000.00} toward a {$14000.00} car financed at {$21000.00}. I believe that a breach of contract could be brought against Exeter finance, based on the fact that, I paid late XX/XX/XXXX, 60+ days late 8-10 times. Leading me to believe I would be given grace again but instead they brought the shackles. Short of hiring an expert to bring them to court Im not sure there is another choice. If Exeter Finance changes derogatory to paid and drop my debt to {$2000.00} and XXXX. XXXX would please do the same, the current owner of the debt, if the Tennessee Statutes of limitations for this kind of debt. Please consider this proposed request and thank you. I loved that car. Im just asking for a real hand shake in all this mess. Ive never sued anyone, rather not start now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
In XXXX of XXXX I moved out of an apartment ( XXXX XXXX ) ran by XXXX XXXX XXXX XXXX that was shared with me, my wife and child, sister n law and her significant other. We gave notcie to property XXXX XXXX on XX/XX/XXXX that we would be moving out XX/XX/XXXX due to my new job in another city. I asked for the paper to sign stating that we were moving and he said he would bring it by our apartment. 2 months went past and we had a walk through of the apartment with property manager XXXX on XX/XX/XXXX in Which there was absolutely no damage. He then provided me with a notice to move document with no date in which I said i would not sign unless the document was pre dated to the correct date. I DID NOT SIGN the document, gave him back the key to the property and he said he would have the property management company call me in which they never did. My deposit was kept and I was told that I didnt give 30 days notice to vacate and that the notice I gave came on XXXX XXXX in which me and my family were not in the city at the time. The signature on the Notice to Vacate is NOT MINE, nor did I ever sign one. I was later charged {$1300.00} for carpet replacement and unpaid rent. All charges are false and documents are falsified.

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 2019-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
To : CFPB ( Consumer Financial Protection Bureau From : XXXX User Dear CFPB, My complain is about my paypal account that was in limit. I don't know my grounds or violations I did. It was happened when my friend 's paypal name XXXX XXXX got in limit status. At first her paypal was in temporary limits and he appeal the problem and also she talked to the paypal in limit department about what happen why her paypal got in limit she only did was to add a card so that she can withdraw the money from her account but unfortunately the paypal response to her about the status and the paypal didn't accept the appeal and it turn that her paypal became permanent limits. She always keep on asking about what was her grounds and the paypal can't point out the main reason. On that time we plan to transfer the money from her account to my account so that the fund will be withdraw because that fund was compulsory fund and she need that fund, because during that time her daughter was admitted in the hospital for XXXX XXXX. We attempt transferring the money many times and we did it and I receive the money after all. But after what we did the paypal also send me an email about the status of my paypal and so bad to my apart and also to her because it came out that my paypal also was in temporary limits. And again we did to appeal but unfortunately the paypal denied my appeal and it turn into permanent limits. To this complain center I need your help sir/ma'am to have an action regarding about my problem in my paypal account XXXX XXXX XXXX need that fund for her financial problem right now. We look forward this matter. I hope this will be fix soon. Thank You and GODBLESS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Im filing this complain to resolve TD Bank ( TD ) Fraud accusation. I deposited a check for {$5400.00} using TDs ATM on XXXX2019.

The ATM read the {$5400.00} check as {$54.00} and I tried unsuccessfully to correct the mistake at the ATM.

On XX/XX/XXXX when the error was not corrected I called TD customer service around XXXX XXXX ET and spoke with a supervisor who informed me that this error could take 10 businesses days to be corrected because s an investigation needs to be opened. I reluctantly agreed to open the investigation. TD customer service told me that I was at fault for writing XXXX XXXX   instead of XXXX XXXX XXXX XXXX TD Customer service also blamed me for not fixing the error while at the ATM.

I then called TD Customer service a second time after realizing that only {$54.00} was deducted from my XXXX XXXX  account. I asked TD Customer service to stop ( cancel ) the dispute because I was going to re-issue the check. I spoke with a representative and asked that he cleared the dispute cancelation with his supervisor. Customer service confirmed that dispute was cancelled and his supervisor said it was ok.

On XX/XX/XXXX, a {$5300.00} adjustment was credited to my TD Bank Saving account creating a balance of $ XXXX. I then transferred the {$5400.00} from my Saving to Checking.

On XX/XX/XXXX, TD Bank locked my accounts alleging Fraud.

I am requesting that a TD Manager listen to the calls I had with TD customer service the morning of XXXX19 at approximately XXXX   ET and XXXX ET.

If after listening to both calls you conclude that Fraud was committed Ill be glad to close all my TD accounts.

Outside of TD I have the following banking relationships : ( 1 ) XXXX XXXX opened 15yrs ago daily average balance more than $ 45k ( 2 ) XXXX XXXX XXXX opened 36 yrs daily average balance more than $ 5K ( 3 ) XXXX XXXX  opened 6 months ago daily average balance more than $ 30K In addition to the above cash balances I have self-manage stock portfolio with XXXX opened 25 yrs balance $ XXXX, XXXX opened 12 yrs ago $ XXXX and XXXX opened 20 yrs ago balance $ XXXX total net worth is well north of {$1.00} million and Im debt free except for a couple rental mortgages.

Funning story, TD has been chasing after me for over a year to open an account. The TD account has an incentive of {$500.00} and the following criteria $ XXXX for saving within 20 days and $ XXXX for the checking with direct deposit.

I am happy to bring my entire bank and investment statements into the TD branch at XXXX XXXX XXXX, but I am not going stand by and have TD criminalized my transactions based on information received from TD customer service on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Recovery Solutions
State: TX

Complaint narrative:
I do not recognize this account. They reported multiple accounts owed and I do not admit ownership. It showed from XX/XX/2019, but no one has attempted to contact me or notified me of my right to dispute. I do not recognize this debt.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
I wanted to make a payment on my due date of XX/XX/XXXX with my boyfriends checking account and had him with me to verify himself via phone. Many other big credit card companies like XXXX, XXXX XXXX, and XXXX do this. HSBC would not. I spoke with A XXXX XXXX  at this time who is a Manager at HSBC explaining I had an issue with my bank and that's why my normal bill pay I could not use. She explained to me as soon as they received the payment she would waive the reversal fee for the inconvenience. On XX/XX/XXXX HSBC called my cell phone that I did not consent for them to call 6 times from XXXX XXXX.- XXXX XXXX. on the XXXX they had called 2 times. I spoke with a Supervisor XXXX at XXXX XXXX on XX/XX/XXXX whom I then told I had sent the payment of {$25.00} thru my banking and they would receive it on or before the XXXX. I told her of XXXX the manager I spoke with and XXXX being a Supervisor had no idea who that was ( she claimed XXXX. XXXX went on to say that XXXX was wrong HSBC would take a {$52.00} payment from me today and I could have my boyfriend verified. I also told her that what they did was harassment and that they were not to call my cell phone. Supervisor XXXX explained to me that I was incorrect it is not in fact harassment and that if I do not comply with allowing HSBC to contact me thru my cell phone that they would in fact have no way to send me any information if I ever have fraudulent activity take place. I rebutted HSBC can contact me via email/mail and she further instructed me they do not do so. She also corrected me that HSBC did not violate my rights abusing the TCPA. I know PACER lists over XXXX lawsuits filed against HSBC in the United States. I would like to know if based on the information I have provided that HSBC violated the TCPA rules and regulations. I have my cell phone records as proof of the phone calls HSBC made relentlessly, to prove my claim. Both conversations I had with XXXX XXXX and Supervisor XXXX were also recorded and monitored for quality assurance purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
I do not recognize this account. They reported multiple accounts owed and I do not admit ownership. It showed from XX/XX/2019, but no one has attempted to contact me or notified me of my right to dispute. I do not recognize this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
showing inaccurate information on credit report ftc violation fcra

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 2019-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Bank on more than one occasion has charged me overdraft fees when my account has NOT gone into negative. On XX/XX/19 there was a check that cleared through my account that left an ending balance of {$26.00}. No overdraft occurred but they charged me a {$36.00} overdraft fee anyway dated XX/XX/19 but didn't show the fee on the account until XX/XX/19. I promptly called their customer service and was told by the representative XXXX that I spoke to that the fee could not be reversed. 
Something REALLY needs to be done about this as I am sick and tired of them XXXX people over unfairly and charging fees for overdrafts that haven't happened!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
showing inaccurate information on credit report ftc violation fcra

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 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Dear Trans Union : My credit report has not been updated since I last spoke with you. Your representatives had stated that you are still working on the problem. However, many of my accounts still show incorrect balances and I had spoken to you in regard to several accounts that are not showing payment grids. 

Please update my credit accounts because the balances are incorrect. I am concerned you are not receiving the updates my creditors are sending you or you are not fulfilling requirements under the FCRA. 

Please update and correct my accounts, if you are having system errors please contact me. 

Sincerely, 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 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed an dispute with Equifax XXXX times in concerns of my XXXX XXXX XXXX, on Sunday XX/XX/XXXX spoke with a represented in the XXXX, stating that XXXX XXXX is reporting accurate with the negative information on my credit, " stating that the account is a charge off of XXXX. Tried to explain that XXXX XXXX is stating that all of my credit reports should reflect, no charge off, paid in full and never late. 
He stated that is not what XXXX XXXX is reporting to them. 
I would like to start an investigation against Equifax for negatively impacting my credit for over an year when they have been provided accurate information several times by me and the consumer. 
I have attached both responses from XXXX XXXX First  complaint number # XXXX filed on XX/XX/XXXX Second complaint number # XXXX filed on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
I did not close the account. I've had a {$10000.00} LOC with Discover Card since XX/XX/XXXX. It's used every month and paid off every month, never a balance. On XX/XX/XXXX the account was closed. 
They say it was closed at my request, the request was made by mail, they say. 
That never happened and the run-around I've been getting since affects XXXX XXXX it's so bad. 
As a note, the closure took place the same day I called in to Discover to arrange online access to my new, second  card with Discover, a corporate card. 
The Discover crew refused to provide a copy of the mysterious letter or any proof of anything at all. 
I hope the good folks at the CFPB can get that from them. 
I would dearly love to see the document they say exist but refuse to provide. 
Lastly, if you dear reader find the occasion to fight this fight with Discover, know they have a technique of rambling and repeating themselves on the phone ; it's maddening. It will take at least an extra hour of your life that you will never get back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Once again I CAN NOT access via any means on line or phone except for letter which on multiple occasions has been proven to be fruitless. To boot - I currently have a credit freeze on my Equifax account which was removed close to two years ago and NOW REAPPEARS! This has cost me the purchase of a car and a significantly higher interest rate. I am about ready to sue them and you for failure to do anything to bring this record, not of my making or option to use, into a correct and updated status. I am tired of " they re not responsible for third party reporting. '' They provide the data and they should make sure it is used correctly or they ARE a participant in what is in my opinion fraudulent reporting causing severe emotional and financial harm. There are numbers of complains on this issue with all three credit bureaus and frankly the good takes months to be posted and the bad instantly! In my a opinion inability to do what they say they do! I attempted to use report # XXXX multiple times to file an online dispute but was unable to- phone contact useless. When will this agency become who they profess they are? The answer quite obvious regardless of what you state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
And # submitted to you already # XXXX was a nightmare still is. I got physically harmed to attys shot me in my arm. I believe. 
Experian received my dispute they granted me XXXX of my report failed to keep there truth removed after it was all done with due process. When consumers closed the complaint. As as walked a way they removed the XXXX and all the other agreements they made they did not follow thru. Back to square on XXXX XXXX did the same thing refused to give me my report XXXX too then there's a statement saying class action suit for XXXX experian data breach of XXXX XXXX dollars XXXX XXXX in security alone .no one filed a complaint time I did XX/XX/XXXX B 's all futious names. They sent me a cheap post card XXXX. Ok incorrect name .be careful there in your office moles. hacked in bank accounts Look I'm in a serious fight here this is bull I have the documents on this also fraud case that belongs to those defendants Atty. All directed about them. I won bottom line here the info please look into this I do not trust anyone either they took my home my car. lied to!? lied to all my of creditability there's XXXX lawyers XXXX and XXXX XXXX are dangerous and I want them off this suit action this suit and pay me quite dancing I'm hurt physically they made me sleep in a storage XXXX  even XXXX  my daughter put her in a institution.serious. I'm not crazy I know how crazy it sound but im not backing down XXXX. Bar asst. Needs to be contacted also about these two they lie stink nasty think there smart. hacked paid XXXX to hit me by a co car $! shot me! Yes a XXXX there pathetic and desperate. stole money sent fake emails lied to unemployment had pretend to be an agent take my info and disabled my income so I would give up played XXXX cop bad cop XXXX XXXX desperate XXXX did that! financially broke I want l legal action as giants them I swear by on XXXX. Bribery maybe too judge tamper whole case wolf Atty both are XXXX to nievey.

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 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion freeze my credit report for security purposes. I call them and they can't unfreeze my credit report.

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 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On multiple occasions I have submitted an investigation/dispute with the credit reporting agencies regarding an alleged " debt '' claimed by XXXX in the amount of {$200.00} All times the agencies have come back with a letter claiming the debt has been proven " valid ''. I've asked on what information is the validity of this debt substantiated yet have not received any documentation to this end. All XXXX has submitted are invoices, but as an attachment I'm including to this complaint serves, the agency tasked with collecting this debt has ceased collection activity due in part to the fact that they can not produce any documentation of a contractual agreement with a start date between XXXX and myself, nor can they produce the documentation of when the services were ended. Of course they won't be able to because it would obliterate their claims of the amount owed. 
An invoice on it's own does validate debt, because frankly I could generate an invoice and send to XXXX billing them as well as XXXX, TransUnion and XXXX for the amount of time I've wasted fighting and disputing this alleged debt and when they don't pay claim it's valid. But without a contractual agreement for the time/services rendered, the invoice on it's own validates NOTHING.

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