vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC
State: AL

Complaint narrative:
My XXXX was stolen. There was a loan from TITLE MAX in XXXX, Alabama. The manager, XXXX informed me that all I needed to do was bring the police report and the loan would be satisfied. I DID inform him that the vehicle was at a scrapyard on highway XXXX in XXXX. he said that once they were scrapped TITLE MAX did n't want them. I did as instructed by XXXX. I decided to use the little money i had to get XXXX from police impound ( {$400.00} ) and make necessary repairs to get it running rather than put into another vehicle. Had windshield replaced ( {$200.00} ) XXXX ( {$100.00} ) XXXX ( {$50.00} ) based on XXXX 's word that loan was satisfied. XXXX was no longer worth the cost of repairs plus amount of the loan. AFTER this was done he sent for the truck. There was never any mention of this to me. He NEVER informed me that he could change his mind, just lied to my face. I have pictures of damages to the XXXX, police reports, and will gladly give detective 's name and number for verification. I 've had previous loans with TITLE MAX that have been settled without problems. I 've always made payments in a timely manner. as matter of fact, when vehicle was stolen, I asked XXXX if interest could be stopped and i could work on paying balance of the loan so i wouldnt default on it. He told me that it wasnt necessary. THIS MAN IS DISHONEST AND MADE ME A VICTIM XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I chose to have the entire balance of my Chase credit card automatically withdrawn from my XXXX XXXX XXXX checking bank account. This has worked well for me for several years until XXXX XXXX, when Chase 's computer apparently had a glitch and the amount that Chase withdraws from my XXXX XXXX XXXX account was {$2600.00} less than the full balance of my Chase account. Chase proceeded to charge me interest of {$72.00} from XXXX to XXXX on the {$2600.00} balance. 

First, Chase 's website is grossly misleading. Chase 's website ( see exhibit 1 ) gives you the ability to automatically pay XXXX amounts : 1 ) a minimum payment amount or 2 ) a " Blueprint '' amount. When you click on to find out what this " Blueprint '' amount is, it says " Full Pay '' as the first option ( see exhibit 2 ). To me, a college educated person, " Full Pay '' meant ( for several years at least ) that I would be paying in full my credit card every month. Little did I know that " Full Pay '' does not mean this, and instead it means that only that certain purchase categories are paid in full, see Exhibit 3 ( e.g., Utilities, Department and Clothing stores, etc ). So, I feel Chase is actively trying to fool its customers by making it seems as if Chase offers its customers the ability to pay their credit card in full every month, when in fact it does not, the typical bait-and-switch. 

Second, even allowing for Chase 's bait-and-switch " BLUEPRINT '' payment scheme, I believe that Chase should acknowledge that they made a mistake and return to me any interest charged on the {$2600.00}. As explained above, the " BLUEPRINT '' payment scheme specifies that only certain purchase categories will be paid in full. I purchased {$2600.00} worth of supplies at a department store on XXXX and XXXX ( see XXXX statement ). The purchases should have fallen under the " BLUEPRINT '' purchase category, specifically under " department stores '' category. Therefore, the balance on my credit card should have been paid in full in XXXX, Chase should have been withdrawn the full balance from my XXXX XXXX XXXX checking account, and no interest should have accrued. Chase literally can neither deny nor verify that my purchases from XXXX and XXXX were from a department store. Therefore, I can not understand Chase 's position that the purchases were not from a department store. It would seem that without evidence, Chase would need to give the customer the benefit of the doubt. 

I caught the mistake today XXXX/XXXX/2015, I paid the account in full today. When I called Chased, I talked to XXXX and then to Supervisor XXXX. They said that there was nothing Chase could do and would not acknowledge that Chase 's computer had a glitch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21 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: JNR Adjustment Company, Inc
State: RI

Complaint narrative:
I 'm XXXX years old and used a website For the first time ever using credit karma to check my credit. Upon looking through the whole website I realized under collections, I owed!! What? I 've never owed anything and always paid all bills. I noticed it was a " Sportmans Guide '' under XXXX ( which is the worst credit rating and have horrible accuracy and will make even the most responsible person still look bad with a horrible report ) The debt collector was JNR Adjustment Company. Says I owed a balance of XXXX. I 've never once ordered or purchased anything like this.my father and I have the same name and I thought possibly it was confusing him and I. This does n't add up and I 'm XXXX % sure this is WRONG AND A MISUNDERSTANDING. I 'm young and have no one to help me through life so I am relying on myself and my credit to help me through life. Realizing I owe and this is stuck on my credit report is absolutely an incovenience and effects my future life drastically. This needs to be fixed immediately ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, a cashier at the Target ( XXXX Branch ) at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX completed at Target Red Credit Card in my name, while I was paying for the items in the checkout line at the register. She framed it as a rewards card ( XXXX offers one ), took information from my license ( which was out of state and in XXXX as I moved into XXXX and was n't even a resident ), and entered it into the system. 
Months later, I was forwarded mail notifying that I had opened a credit card, charged an amount on that card and Target was attempting to collect a debt. 
I went back to the store and have seen numerous cashiers at that Target Branch as well as others to to upsell customers on the " rewards card ''. 
In my attempts to clear this up, I had multiple attempts to contact Target Corporate Services between XX/XX/XXXX-XX/XX/XXXX and also found out from other cashiers that management offers large bonuses to employees who " convince '' credit card accounts. In all cases, they said that it was out of their hands and they passed it off to debt collectors. 

XX/XX/XXXX, XXXX XXXX executives are being investigated by the Senate for the opening of fraudulent accounts, I truly wish the CFPB, Senate Banking Committee Consumer Financial Protection Bureau and other governmental organizations would investigate the practices of Target and TD Bank US Holding Corporation on the opening of Target RED Card at checkout stands to see if there was a more systematic program in place by executives. 

Allowing a financial product to be sold at a checkout point where cashiers can demand access to personal information such as a driver 's license, and get access to personal things such as a signature to be used for very powerful things should simply be banned as fraudulent activity such as this happen. Target and TD executives should also have their emails reviewed for any systematic program to provide bonuses on the opening of RED Card accounts. 

Please see all problems with the RED Card accounts. 
XXXX As a resolution, Target has a Guest Services desk at the minimum and all financial products should be required to be verified there there with proper paperwork upfront provided on paper instead of through any checkout flow where it is prone to misuse by its cashiers. Anything not opened there and through the cash register should be closed, and all credit claims stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-04 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:
I 'm basically filing this complaint against TD Bank, just to set the record and get the facts straight with the following situation : On XXXX/XXXX/15, I went to the XXXX, XXXX XXXX XXXX TD Bank branch to make a deposit so that I would n't receive any overdraft fees but when I got there I discovered the branch 's ATM was malfunctioning and not accepting deposits. At that point in time I realized I was not going to be able to make it to another TD Bank branch by the cut off time of XXXX XXXX, to avoid being charged several overdraft fees. So at that point in time I called TD Bank 's XXXX customer service number and after waiting for over half an hour, I was finally connected to a live TD Bank customer service representative. I explained what had happened and that same TD Bank customer service representative told me that I had nothing to worry about as long as I made the deposit at another TD Bank branch, on that same day, before XXXX, and he assured me that he was going to note my checking account so if by chance I did receive any overdraft fees, they would be instantaneously reversed/refunded due to the malfunctioning ATM, which the TD Bank customer service representative clearly and endlessly kept referring to as a bank error. So the next day on XXXX/XXXX/15, I received {$140.00}, worth of overdraft fees so I called TD Bank 's customer service XXXX number back and I explained my situation, especially the note that had been placed on my checking account the day before by the another TD Bank customer service representative, to the new TD Bank customer service representative that picked up my call. After reviewing my checking account, the new TD Bank customer service representative told me that the note never mentioned, authorized or suggested that any overdraft fees should be reversed or refunded. So I quickly requested to speak to a supervisor. So after going back and forth with the TD Bank customer service representative and supervisor and also after they both, together, reviewed my checking account several times, they reversed/refunded the {$140.00}, worth of overdraft fees. But they stated to me that it was being done as a courtesy and that 's why I 'm filing this complaint. It should 've never been labeled, noted, called, referenced or posted in my checking account 's notes as a courtesy reversal/refund, it should 've been labeled, noted, called, referenced and posted in my checking account notes as a malfunctioning ATM bank error. I once again find myself in the same situation with TD Bank 's customer service department : I would like to know which XXXX of the XXXX TD Bank customer service personnel I spoke to and with over the phone on either XXXX/XXXX/15, or XXXX/XXXX/15, was once again very disrespectfully and unprofessionally misleading, misinforming and with conviving intentions, purposely lying to me????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Sterling Infosystems Inc.
State: GA

Complaint narrative:
its shows a conviction on my credit report and I have not been convicted of any crimes

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX fraudulanty charged my TD bank account for {$20.00} a month without my permission or authorization. I tried to contact the bank several times to have them reverse the charge but was disconnected. I pay my accounts in full every month so there is no reason for such charge. XXXX did not credit these charges to any XXXX related credit card account so therefore they kept my money and gave me a difficult time to refund my monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I had a XXXX XXXX in XXXX Arizona run my credit and issue a auto loan to my cousin without my consent. They ran my credit in XXXX/XXXX/2015 and I never signed any consent for them to do so. I did not find out until XXXX XXXX sent me a letter stating that I had a new auto loan with them. As a result of XXXX running my credit TD Auto Finance XXXX XXXX XXXX XXXX XXXX MI XXXX also ran my credit without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
XXXX XXXX I cleared my residents with XXXX XXXX XXXX the property manager after living there for 3yrs. Upon the inspection to clear I was informed that I will not be charged for any damage or maintenance ( ie, painting, carpet cleaning etc. ). It was just normal wear and tear. About a year later I checked my credit report and I had a collection on it from XXXX XXXX XXXX thru Credit Bureau Services. I have never rented any property from XXXX XXXX XXXX. I decided to go back to XXXX XXXX to ask a few questions. Come to find out after I moved out, the owner switched property managers to XXXX XXXX. Also I was told he went in and did his own inspection after I had moved out and cleared by XXXX XXXX. My question is how can he go in after I have been cleared and charge me for damages and maintenance with a different property manager. If there was truly any damages, why did n't it go thru the property manager I was originally with. For 15 of those months I was XXXX and the house was not occupied. I was XXXX from XXXX XXXX to XXXX XXXX. Sounds like I was being the fall guy for painting and carpet cleaning.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disputed XXXX items with XXXX, they did great and took care of me. They were adequate and thorough. Although, Experian and XXXX will not remove what XXXX removed. I will attach all documents involving my cases in XXXX. I attempted to call XXXX and XXXX but I need to buy XXXX credit report first. I used my annual free credit report and called. They said it has already been disputed and those were the final results. I am asking you for help to remove my negative accounts when I am paid as agreed and to completely remove XXXX because of my separation agreement and final divorce decree naming XXXX ( ex husband ) the car, also stating he is solely responsible and has been since XXXX of 2013.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
Debt is from XX/XX/XXXX and I never received anything at all from anyone about this debt. They just put it on my report XX/XX/XXXX. They also kept on telling me that the debt stays on my report for XXXX years from when they placed it which is false information. When I told them they could not do that, they told me they could and would. I do n't even know what this is for. The dates are incorrect. I only had XXXX visit to the hospital XX/XX/XXXX and bills should have been covered by insurance 100 percent and these I just became aware of now from viewing my report. They were also rude and starting commenting on my personal life which they have no right to do or know anything about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: WA

Complaint narrative:
On XXXX/XXXX/2016 I contacted them ( The Bureaus INC ) to pay a debt owing on my credit report. I paid the debt in full and requested an email stating the debt had been paid in full. I explained that I was in the process of getting a mortgage and needed to do a rapid rescore with the credit. I have only worked with XXXX at ext. XXXX. She first stated that I would have to call back at XXXX XXXX the following day to get her to send email but that it would not be an issue. I called her back XXXX at XXXX she stated that she would send it out that it was right in front of her. I did not receive the email. I called her 8 times on XXXX each time she stated that they she spoke to her VP and he had to send the email but she would remind him. I do n't understand why I have been treated this way. I have a hard deadline to make to ensure financing for my new home. Called again at XXXX XXXX spoke to a XXXX XXXX. He stated that they could n't send out the email because of their law department and VP could n't get their system up and running. I paid my debt, it cleared my account but I ca n't get a email or fax showing that I paid my debt in full is criminal, Have been lied too twice about getting it done first yesterday XXXX and again today XXXX/XXXX/2016

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 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: Bull City Financial Solutions, Inc
State: KY

Complaint narrative:
Bull City collection purchased a so calledDebt from XXXX XXXX and has never contacted me but has put the into my credit report listing a recent date as the date of the the debt. He has also listed a made up amount for this debt of more than {$600.00}. First this would have been more than 4 years ago. 
As I have not had electric in my name for over 4 years. Secondly XXXX XXXX would never have allowed us to have a balance that high. We did n't even heat with electric ... it was propane. I recall making a final payment for a partial month when we moved at the time I called them to have it turned off. I tried to get a copy of that from my bank but they had already archived it & said it was not retrieveable. I am XXXX years old & have worked real hard on my credit because I live with my son & his wife & XXXX kids & we were trying to get a loan to buy a house ( size of our family causes us problems finding one we can afford & is large enough ). We had signed a contract on a house that was accepted & we were waiting to close. Then when they checked my credit again the Bull City. collection was on there. We lost the House. We now live in a XXXX in XXXX, KY infested with mice and roaches. We pay $ XXXX for this. This is not fair. I filed bankruptcy over 7 years ago when I lost my house of 34 years in the XXXX XXXX melt down. The only negative thing on my credit is that XXXX XXXX report which is wrong. I have XXXX credit cards XXXX of which I paid off. I have never once been late on any of them. I do n't know what is going to become of us. Please help me.

Company response to consumer: Closed
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I was contacted by XXXX XXXX XXXX and Blitt & Gaines law firms that were hired by XXXX to collect a debt XXXX claimed to have purcashed from XXXX XXXX XXXX. They summons me to court and I stated I needed proof they were the legal owners of the debt. At no time I entered into any agreement with XXXX XXXX XXXX XXXX XXXX. I requested the original signiture document showing proof of the purchase from the bank. They never provided it to me. It is my belief that XXXX XXXX XXXX XXXX XXXX violated my rights in accordnace with TILA. I was not given notice in writing as to the assignment made on the alleged debt or that XXXX XXXX XXXX XXXX XXXX was considered assignee.I do not have a contract with XXXX XXXX XXXX XXXX XXXX. I also believe XXXX XXXX I is in violation of the Fair Debt Collection Practices Act. They reported on my credit report I was in collections ahead of the case ever being settled in court. The Judge handling the case asked the law firms to produce the documents but they never did. The judge told me it did not matter because I owe the money to someone and even if they did not produce the documents on the next court date he would make a decision for me to pay XXXX XXXX XXXX XXXX XXXX the debt. I even tried to work out the debt amount with them since I was being forced to pay it and XXXX said they did not have a plan in place to reduce the XXXX I owed them. So I was forced to start paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Law Offices Howard Lee Schiff, P.C.
State: RI

Complaint narrative:
This problem began back in XXXX XXXX when XXXX XXXX XXXX was collecting for this defaulted/ charged-off XXXX XXXX Account with a balance of {$980.00}. XXXX XXXX XXXX after reviewing my personal income and assets, they determined I was " judgement-proof '' for the foreseeable future. Soon I received harassing calls and letters from the " Law Office of Howard Lee Shriff '' in XXXX, RI. I agreed to pay {$10.00} a month towards the balance as agreed to with their Attorney XXXX XXXX. I have struggle to pay approximately {$220.00} towards the debt but had to stop since my income is not over {$800.00}. a month with many outstanding medical bills that I have to pay. I also have to pay co-payments for my medical coverage and prescriptions. XXXX I stop paying the {$10.00} a month after I notified them by phone, they sent me a false " unsigned '' court document filing a " judgement '' being entered in XXXX District Court in the XXXX Court House. This court date was to take place on XXXX/XXXX/XXXX. To my surprise, the case was never heard or even scheduled. This law firm of Howard Lee Schiff sent me a new letter dated XXXX/XXXX/XXXX claiming to discuss this judgement. It claims it is still owe per the court system. This Law firm of Howard Lee Schiff is using deceptive & illegal purposes to try to collect on a debt that is beyond the statue of limitations. I am going to send a letter to the RI Attorney General 's Office Consumer Protection Department and may consider seeking legal action against this " collection law group '' I have seen many complaints entered on web sites against their shady and unethical ways

Company response to consumer: Closed with explanation