milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2016 about Bank account or service (Other bank product/service) with BB&T CORPORATION (NC).
Issue: Problems caused by my funds being low

Complaint: I have a car that is financed with Regional Acceptance. I make a payment online every month, on time through their website. The website requires that I enter my information every month so I have not given them permission to auto-debit or store my information. This morning I checked my account and it has been debited for the full amount of my normal payment which is always more than the required amount. I contacted Regional and was told this was a glitch with their payment processing company and the payment was duplicated in error for numerous customers. I have 3 issues with this explanation ( 1 ) I never gave them permission to store my payment information ( 2 ) What 's to keep this from happening going forward ( 3 ) There is no payment reflecting in my payment history.

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 03-03-2018 about Payday loan, title loan, or personal loan (Installment loan) with SYNCHRONY FINANCIAL (OH).
Issue: Problem when making payments

Complaint: XXXX has once again fraudulently failed to allocate my payment funds per my specific written instructions. 
On XX/XX/XXXX I submitted a payment of {$340.00}. 
I sent a message via the XXXX message system as well as the President 's office email : " I have made a payment today of {$340.00} today. Please apply this payment and pay off promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' My first message and email were not responded to. 
On XX/XX/XXXX I sent a second message : " This is my second request ... I have made a payment today of {$340.00} today. Please apply this payment and pay off promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' I received an email acknowledgement from XXXX that they would process my request. 
On XX/XX/XXXX I reviewed my account and XXXX did NOT apply the {$340.00} against " promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' On XX/XX/XXXX I sent the message : " Apparently I must make another complaint too the CFPB as you did NOT apply my {$340.00} payment to the XXXX XXXX loan of {$340.00}. The US Federal government will be interested as they regulate banks. ''XX/XX/XXXX XXXX messages : " Hello XXXX, Thank you for your recent inquiry regarding your XXXX XXXX account, and the opportunity to be of service to you. Your payment has been applied toward your account balance as you requested and as allowed by federal regulations. Please refer to the Promotional Summary section of your next billing statement to see the adjustment. We appreciate you as a valued customer and hope you will continue to shop with us. If you have any questions or if we may be of further assistance, please contact us at XXXX. We appreciate you as a valued XXXX XXXX account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at XXXX Sincerely, XXXX XXXXCustomer Service Account is owned by 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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: i have around 3-4 hard pulls on my exparian report. that should n't be there

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 01/30/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I received an adverse action on my utility credit score. I requested the report from Experian and my request was denied, even though I have a letter from the utility company saying that I am entitled to a free report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Checkr, Inc (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Upon investigating a background check a XXXX charges come up in 2016 in which I took case to trial and was found not guilty of all charges so this record should not be considered of my employment

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have not yet disputed the items because they are 8 or 9 years old and should not be their anymore, which they still are. I would be much more confident about getting this resolved through your organization. Since this is illegal based on my research, which indicates statute of limitations for delinquent credit reporting is 7 years.

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 11/19/2016 about Debt collection (I do not know) with First Advantage LNS Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from NCAC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCAC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2015 I received e-mail from CashCall offering a settlement on a loan I had due to them with a XXXX time payment of XXXX. I am attaching the e-mail in this correspondence. I spoke with my family and they were going to provide the amount so I could settle the debt. 
I called CashCall and said that I wanted to settle based on their e-mail. They were to move forward and provide the documents necessary to do this. 
Follow-up calls were made and nothing ever happened. 
After a period of time I called CashCall again. This happened on XXXX XXXX, 2015. They said that I would have to deal with a new contact. This new contact was XXXX XXXX XXXX. The number given to me by CashCall was XXXX XXXX. I was to call them from this point on. I called this number I spoke with someone who would only identify himself as XXXX. XXXX said he represented XXXX XXXX XXXX. XXXX said that everything was transferred to XXXX. Their number was XXXX XXXX XXXX. I then called this number. They took down my contact information and said that someone would get back to me. I received a call from XXXX XXXX. He said that he works for the XXXX XXXX XXXX XXXX. He was calling from XXXX XXXX. He said that the offer is not available and I will be dealing with him now. He demanded payment of approximately {$5000.00}. He said that if I did not pay, he would take legal action and sue me. He said that he would put a lien on my house and levy my wages.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called Transunion and spoke with a rep. today. about my inquiries being fraudulent. he said inquiries are factual. Inquiries are not factual and I have my identity theft police report. I did not authorize these inquiries and I want them taken off my report..i have attached my identity theft 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 11/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of XXXX and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.

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 06/29/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was sent a letter saying I owed on my XXXX account that I in fact paid off in XXXX of this year. I told them and they said they would submit a dispute and that I needed to send in proof. I have sent in proof XXXX times now and a letter telling them to validate the loan if in fact they are saying i still owe. I can not get them to stop contacting me and releasing this debit that i have proven I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Problems caused by my funds being low

Complaint: Below is the text of the letter I sent to Bank of America. My basic complaint is that B of A kept taking fees from my account without my knowledge. They had never sent me any type of statement to me. If I was aware they were taking fees out I would never have let it happen. I contend that they know of this deceptive practice just to make more money. I received a form letter back that just states that I never maintained a minimum balance. A slap in the face if you ask me. Can you help get my money back? 
Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX MI XXXXXXXXXXXX : XXXXMobile : XXXXXX/XX/XXXXBank of AmericaXXXX XXXX FL, XXXXTo whom it may concernRe : Account number XXXXOn XX/XX/XXXX, I received a letter regarding an account that was being closed from being inactive. It could not be inactive because I had an automatic deposit for {$100.00} going into the account each month. I called the number on the letter and they said that this type of activity is not considered an active action. It seems strange to me. 

After further discussion I was shocked to learned that I was being charged a $ XXXX/month fee since XX/XX/XXXX for 21 months totaling {$520.00} without any notification. This started happening when my B of A mortgage was paid off. I faithfully paid my mortgage for ten years. The nice lady I talked to, XXXX XXXX, discussed with her manager XXXX XXXX regarding refunding my money but refused. XXXX mentioned that she reviewed all the correspondents sent to me regarding this account and could not locate any. 

I am very disappointed that Bank of America was charging me this fee without my knowledge and am requesting the money be returned to me. I believe that it 's Bank of America 's responsibility to notify customers of such fees when circumstances regarding an account change. 

To resolve the problem, I would appreciate a full refund in the amount of {$520.00} sent to me, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. Enclosed is a copy of the only correspondence I received on this account since the fees began. 

I look forward to your reply and a resolution to my problem and will wait until XXXX XXXX before seeking help from a consumer protection agency or the XXXX. Please contact me at the above address or by phone at : Home XXXX or Mobile XXXX. 

Sincerely, XXXX XXXXEnclosure ( s ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2017 about Student loan (Federal student loan servicing) with Experian Information Solutions Inc. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX XXXX in 2012 and they did n't not tell me that I was signing up for student loan, i was first to get my XXXX which I never did. So I got charged for a student loan that I never finished or even got a XXXX, and they signed me up for college! Now I have a XXXX debt on credit score for something that 's was not explained to me. If I new that I would have never sign.

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 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My credit report shows a hard inquiry from XXXX. I have a XXXX card and have not used it in well over a year. XXXX balance. I am not looking for a second XXXX card and did not request one for me.

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 10-06-2017 about Debt collection (I do not know) with Global Trust Management LLC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX XXXX I received a phone call from Global trust management who stated they were collecting for XXXX. I have never had an account with XXXX however they knew all of my personal information. I have never authorized any type of online loan in my name. Someone has used my identity online to setup an account. I have not seen anything placed or removed from my checking account from either company so i know this information is false. When Global Trust called me they was hateful and told me that they would be suing me since I didnt have knowledge of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXX, a check of {$1200.00} was about to cash from my Wells Fargo checking account. My account did not have the balance to cover so an overdraft fee was incurred. I did not write this check. After hours of communicating with bank rep over the phone, I got the image of the check, and confirmed that 's not a check from me ( not even have my name/address/signature on it ). The rep confirmed it 's a bank error/fraud, however refused to credit the fee back to my account, saying additional investigations needed. On XX/XX/XXXX, I wrote online message to the bank, bank confirmed that the executive office will follow up this case with me within two days. I have not heard anything from the bank as of morning of XX/XX/XXXX. I have no choice but filing the case with CFPB, hoping the issue can be resolved swiftly and reasonably.

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 monetary relief
Consumer complaint received 09/18/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus Inc called my cell phone at XXXX on XX/XX/2015, while I admit I am late this month since I paid a large questionable audit from an IRS agent named XXXX XXXX, there is no reason to harass me this early in the morning when I have not been late for years on my mortgage. In additional Seterus a cease and desist order in teh past as I fought about this type of stuff years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We are desperately trying to stay in our home, but we feel that Chase, as our lender, is not honoring our very drastic circumstance, not properly evaluating our evolving situation, and privileging their profit over our welfare. 

We do not have enough space here to explain our very complicated situation. Our explanation keeps being " truncated '' by your system. Therefore, we have added our explanation of what happened in Section # XXXX, " Product Information '' as attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed a judgment with Trans Union. It has been 90 dayssince I disputed this error on my credit. They just ignore me and continue to report this error. I am being denied creditdue to their inaccuracies on my credit. This is not my judgment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX accounts from XXXX XXXX XXXX reporting on my Equifax credit file. After numerous disputes, I have received no resolution. I informed them that I have an open investigation with the CFPB - case # XXXX andthey advised me to file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Ditech Financial LLC (GA).
Issue: Problem with the payoff process at the end of the loan

Complaint: Company - ditech Started dealing with them on XXXX XXXX, XXXX until present I was provided with incorrect information to pay off my loan. I was told that I could pay it monthly until it was paid off However, this company lied and reported my account past due to the credit agencies. I had not missed a payment. I was not given a date to pay it off -- just pay until it was paid off. I have contacted them. But to no avail. As of XXXX XXXX, XXXX, it was paid in full. I am requesting the company to correct my status with the Credit Bureaus to PAID AS AGREED. Also, this company has reps that provide incorrect information on a daily basis. Please advise. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Consumer Loan (Installment loan) with Marlette Funding, LLC (MO).
Issue: Managing the loan or lease

Complaint: I currently have a new loan with Best Egg. I had a payment due on XXXX XXXX, 2015 that was set to auto debit. I logged onto their website and made my payment on XXXX XXXX, 2015 and they applied it on that day. I logged into their website on XXXX XXXX and it stated my next payment was due XXXX XXXX, 2015. Even though I had already made my monthly payment, they still auto debited the payment out of my account, causing my checking account to go negative. When I called them to find out what the issue was they just stated that the auto debit system is n't tied to the online system and I should have called and cancelled the auto debit. I asked why they would take money when no payment was due and they stated that they have a poor system in place. Can they debit money from my account if I do n't have a payment due and my loan is n't past due?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XXXX/XXXX/XXXX, I went to XXXX. I requested my credit report from Equifax. After I entered all the relevant information, including answering detailed multiple choice questions ( which required XXXX minutes of research ), the system told me that Equifax was unable to give me my report online. I would have to send them a paper form in addition to copies of government documents by mail in order to get my credit report. I do n't believe this is the level of commitment to transparency that Equifax has signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My credit card company refused to assist me with my merchant billing dispute that I filed back in  XXXX    XXXX   for not as described services by  XXXX  in the amount of $  XXXX  .I 've been giving the run around for the last three m onths, every time I 've called in I was giving different information by each agent despite all the wrong information I still provided all the information/ documentation requested including valid second opinion letter that supports my claim.Now I received a letter on  XXXX   XXXX  stating they ca n't help me with my dispute without providing explanation as to why. When I first contacted them I advised them that the merchant refused to take parts back. I advised the merchant I did n't want the parts and there available and ready to take. I feel my dispute was mishandled and would like it reconsidered. The last supervisor I spoke with was very rude and short.

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 monetary relief