milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-08-2015 about Bank account or service (Checking account) with BB&T CORPORATION (DC).
Issue: Problems caused by my funds being low

Complaint: I had an account with BB & T Bank. When I opened my checking account I specifically stated I did not want them to process any transactions that would send my account into an overdraft status. I clicked on the " opt-out '' link. BB & T allowed many transactions to go through on several occasions which resulted in exhorbitant overdraft fees. I paid BB & T for some transactions. I even spoke to a representative who stated she saw where I " opted out '' and she refunded my money for this. However, BB & T continued to allow transactions to go through and now they are trying to collect these funds from me. I have spoken to several representatives in customer service trying to resolve this matter but to no avail. I do not believe I owe BB & T any money because of their negligence. I want them to cease all collections activity and to remove all disparaging information from Chex Systems, Telecheck and any other consumer reporting agency that they have reported this information to. It is not right for them to disparage consumers based on their negligence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (VA).
Issue: Taking out the loan or lease

Complaint: Consumer injured and harm under violation American federal protection Law suffered in tort of her credit and under employment and fraud contract Auto Ford Credit and Auto Owner Trust, from XX/XX/XXXX- XX/XX/XXXX through present have No knowledge of Idenity theft and false reported, All Obligation paid Ford credit by check and relied on personal banking Bad faith, failure disclosed Revolving credit, Failure disclosed Extension of credit and XXXX XXXX , Multiple Jurisdiction ' Consumer federal protection violation,, and Local attorney general Sued complainant, caused to injured and harm in good credit, and Indirect purchased Auto and finance against her bank without consent ' or ' Authorized JOINT LOAN, Ford credit attorney illegally collection and Sued the Victim and falsely accused, XX/XX/XXXX DMV failure to issue New Tags , was told to pay the property Tax alleged when cancel checks shows paid in person, failure apply to cgredit, Finding My property Tax were transferred indirectly to BALTIORE , Maryland fraudlent apply to third part Truth & Lending, suffered in access {$70000.00} in cab fees and prevented Ford Credit Auto Owner Trustprevilage of driving, Pending Judical case No # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX, I provided a " qualified endorsement '' negotiable instrument to my lender XXXX to pay for my mortgage in full in the amount of {$110000.00}. Since then they have demanded additional payments from me each month. The last statement I received they demanded {$3200.00}. Attached is proof of payment in full for my mortgage made on XXXX XXXX, XXXX. They are committing fraud and using the credit reporting agencies to assist. They even threaten to foreclose on my if I do n't pay them additional money.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (IL).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/XXXX I applied for a loan with Chase Auto Finance. On XXXX/XXXX/XXXX I received a phone call from the Chase loan representative named XXXX indicating the loan was approved with an interest rate of 6.9 %. XXXX stated she would need the sale documentation from the dealership to finalize the loan and release funds. Due to not finalizing the purchase price of the 2015 Chevrolet Sonic Lt we stated we would proceed tomorrow to close the loan. I called on XXXX/XXXX/XXXX to finalize the loan and was told the interest rate now has changed from 6.9 % to 8.24 %. This is deceptive unethical business practice. I was told the call was being recorded when the initial offer was made with the 6.9 % interest rate for the used auto. The loan representative did not give me a clear answer as to why the interest rate has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Bank account or service (Other bank product/service) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Making/receiving payments, sending money

Complaint: Unauthorized prescreening. I never applied for any credit nor have I ever tried to open an account with Santander Consumer USA XXXX date XXXX/XXXX/15. Who is this company? Why are they running my credit for anything. I did not apply for any card or account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have written to XXXX on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.

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 04/26/2017 about Debt collection (I do not know) with Nelson Cruz & Associates LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: My name is  XXXX   XXXX .  Nelson, Cruz & Associates  debt they claim I owe, but I have been unsuccessful trying toget a proof of their claim.     Please find below a copy of the letter I 've sent them :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX  XXXX  XXXX   XXXX   XXXX ,   XXXX    Nelson, Cruz & Associates  and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Filed Dispute to  XXXX   XXXX   XXXX   Nelson, Cruz and  Associates In regards to my previous conversation with your company regarding : File No :  XXXX  Debtor Id :  XXXX  Client :  XXXX   XXXX   XXXX  Creditor :  XXXX  Current Balance : {$7000.00} Client Claim :  XXXX  Reference to your pdf email  XXXX ,  XXXX    XXXX  .     I did not agree to any such paymentnor authorize you or any company you represent for a payment of {$2000.00}. Your request seemfurnished anddeceptive. And I do perceive your business practices as unfair.   Your business practices is aggressive andviolated federal law.   Im hereby asking you again for PROOF of your claim.   Additionally, I have found grounds to conclude that your company is misrepresenting itself and making up threatening actions that are illegal. None of these practices are lawful.   Validation of debts and Fair Debt Collection Practices Act You did mentioned the validations of your claim by anexecutive order and that  XXXX  was under auditboth documents asreasons you claim validates your claim.   I asked you for both documents which you have refused to address.   None of these intentional frequency and persistence of noncompliance practices by companycomplies  XXXX   XXXX   XXXX  Practices  XXXX  by federal trade commission in reference to you letter dated  XXXX ,  XXXX    XXXX  .   In this regards I am hereby asking your company or the company you claim you represent to once againadresse myprevious request.   Please send me a documented PROOF of your claim.   Acquisition of location information Your Company Email letter heading is confusing and in regards to this I also want to know if your company i s Nelson, Cruz and Associatesor  XXXX    XXXX     XXXX or both?     Thank you,  XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: IQ Data International is reporting an account on behalf of XXXX in XXXX Georgia that was discharged in my bankruptcy ( File # XXXX ) that was filed on XX/XX/XXXX and discharged on XX/XX/XXXX. I never received any correspondence from this company and noticed it listed on my XXXX credit report when I pulled my file on XX/XX/XXXX.

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 non-monetary relief
Consumer complaint received 02/27/2018 about Checking or savings account (Checking account) with PAYPAL HOLDINGS INC. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Hello CFPB, I am a victim of PAYPAL ID THEFT. My full legal name is XXXX XXXX and my CA Driver 's License # is XXXX. 

Someone created a Paypal account using my full name and email id XXXX ' around XX/XX/XXXX. My official email id is XXXX '. The email ID XXXX ' was one of my unused email ids and I have not used it in more than 6 months. 
They then accessed my XXXX XXXX XXXX Primary Checking Account with Account # : XXXX and two Debit Card Accounts with Account # XXXX : XXXX and XXXX. Then, unauthorized Paypal transactions fraudulently transferred money from my XXXX XXXX XXXX Checking Account with Account # : XXXX and two XXXX XXXX XXXX Debit Card Accounts with Card Account # XXXX : XXXX and XXXX from XX/XX/XXXX till XX/XX/XXXX. I did not create the Paypal account and I did not transfer money at all using this Paypal account online to anyone. 

Transactions started on XX/XX/XXXX and ended on XX/XX/XXXX. The total # of transactions that are of ID Theft and are fraudulent and unauthorized in nature is 18 across all 3 accounts numbers mentioned above. 

I detected the fraud in XXXX XXXX but could file final Claims with XXXX  XXXX XXXX for reclamation and refund of money only in XXXX and XX/XX/XXXX due to my medical issues. The total amount of money transferred fraudulently from my XXXX  XXXX XXXX Checking Account with Account # : XXXX is {$6900.00}. The total amount of money transferred fraudulently from my XXXX XXXX XXXX Debit Card with Account # : XXXX is {$2000.00}. The total amount of money transferred fraudulently from my XXXX XXXX XXXX Debit Card with Account # : XXXX is {$6900.00}. 

The total amount of money transferred fraudulently and without authorization across all 3 Accounts is {$15000.00}. I have filed multiple Claims numbering atleast 9 with Paypal to get my total money back. Paypal Fraud Department has ruled against all of my Claims and has refused to classify the Paypal account as an ID Theft case. It has also refused to refund my total money back to me. 

I have an Affidavit signed with a Notary Officer of the XXXX XXXX County, CA as well as a Police Report filed with XXXX XXXX PD with Report # : XXXX XXXX as well as a Police Report filed with XXXX PD with Report ID : XXXX to use as reports for my ID Theft case. 

Please look into making sure justice is served here and that I get my total money of {$15000.00}, obtained as a result of PAYPAL ID THEFT BY PAYPAL INC, AS SOON AS POSSIBLE BACK FROM PAYPAL INC. 

Thank you, XXXX XXXX, Mobile # : ( XXXX ) XXXX Email ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: XXXX  shipped a partial order. They STOLE MY MONEY.  Wells Fargo  refused to protect my purchase and told me due to their  XXXX  agreement this was fully allowed.     I WAS FORCED TO COME TO THE BANK  XXXX   XXXX  ON  XXXX / XXXX / 2017 . Help refused and they kept telling me it was n't their problem it was the fraud departments fault.     I called the fraud department for THIRTY MINUTES AND WAS REFUSED TO BE ALLOWED TO SPEAK WITHA SUPERVISOR.     JUST WAIT. We 'll send you a letter.

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 09/23/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: I unfortunately entered a vehicle finance through Santander. For the past 2 years i have been reorted late and the balance on my car is the same as it was the very first day. i have asked for statements to prove this and have been told no, have been told its being processed, then was told they can only go back 1 year. i have filed complaints with their supposed office of the president, i just want out of this loan without a repo on my record so i can get another car. Never do business with them again

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: When I began repaying my loan back before Navient took over and the company was still XXXX, I owed a little over 14,000. 5 years of repaying my loan and my balance is still the same if not higher. I called Navient to find out why this was and received nothing but double talk and unanswered questions. At one point I was paying MORE than the minimum, so the interest talk I was not trying to hear. They are not applying funds to my principal and I want an updatedblance with a true amount I should owe. Never borrow from these scam artists ....

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have filed multiple inquiry letter with all  XXXX  credit bureaus regarding false information on my credit reports. I do not recognize various inquirires on my report and no one will do anything about it. I have been having a terrible time getting through to the bureaus regarding this issues, as well as them returning letters about not deleting information off my report way before the 30 days is up. I am extremely upset about this that no one will help 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 04/14/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: Bank of America closed my checking account without providing notice or an explanation. This has caused me damages with regard to payments made out of that checking account prior to it being closed. 
Further, I have no access to the funds that were on deposit of approximately {$3200.00}. They state that they 've mailed out a cashier 's check on XXXX and it could 10-15 business days to get here. I needed that money to cover expenses. 
I feel that the issue sprang from a personal check I deposited via their image-deposit feature on their smart-phone app. That check was in the amount of {$250.00}. Their Risk and Fraud department called me the next business day ( XXXX ) to let me know that a deposit had triggered a " red flag ''. When I explained that I used the image-deposit feature, they accepted that as being the cause of the red-flag. 
I do not know what the official reason is for the closure, however I feel that I 'm incurring unnecessary hardships because of an arbitrary corporate decision that was most likely caused by Bank of America 's inability to process an image-deposit.

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 08/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo stated that they sold the loan for my property effective XXXX/XXXX/2015. They claim the loan was transferred to XXXX Mortgage. I called XXXX Mortgage several times and they claim, the mortgage has not been transferred to them. XXXX Mortgage was the previous servicer of my loan. I did not receive any information regarding a loan transfer. Today, Wells Fargo confirmed that they have my correct address, in XXXX. The representative from Wells Fargo stated a letter regarding the transfer, to XXXX Mortgage was sent to a different address in XXXX. As of today neither company is accepting the XXXX 2015 payment for the loan. My primary concern is that no 30 day late payment is reported on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX closed an account of mine with them on XXXX XXXX, 2016, stating in the letter " because we no longer offer this type of product. '' Equifax reports that the bank reported to them that the " account [ was ] closed at consumers request ''. I did not request closure -- that is a false report. My credit score dropped by about XXXX points because of the reduction in total credit. My credit has been damaged by a false report. The bank should either not have closed the account or should make the report right with Equifax and ensure my credit score is not harmed in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have attempted to have this account removed from my credit since  XXXX    XXXX  . I have sent letters for validation a nd all I get in return is the account is VERIFIED via FCRA rules & I am instructed to call AD ASTRA. For 2 years now,  I call them give them the partial account number from my report once the account is pulled up I 'm asked to verify my social and birthday HOWEVER they are unable to discuss the account because the personal information does n't match. I filed a complaint via this website  XXXX  a nd in return Ad Astra uploaded and mailed me loan documents that did not bear my written signature HOWEVER the documents they sent did prove my point that the account does n't belong to me. Per the documents sent to me by ad astra the social is NOT mine. I sent a copy of the documents THEY sent me to the   XXXX   main credit bureaus YET Ad Astra will not remove this account from my credit file. For 2 years I have proven and they have given evidence that this account does n't belong to me. They even transferred the account to an attorney who sued me and LOST because the personal information does n't match mine. The attorney removed their listing from my report but Ad Astra will not ALTHOUGH they personally sent me information proven that the file does n't belong to me. Please just remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: Today I called Paypal XXXX Account ending in XXXX to see what my balance is since I have n't received any communication from them. I found out my account was closed and my balance was transferred on XX/XX/2016 to my PayPal XXXX. My issue is I had set up automatic payments to PayPal XXXX account for minimum payment due on XX/XX/2016. As of XX/XX/2016 to current date, minimum payment due is still being taken out of my checking account for a total of {$310.00}. In addition, I made additional payments to XXXX from another checking account for a total of {$300.00}. Thats a total of {$610.00} which were n't credit to my PayPal XXXX. I have contacted PayPal XXXX and they referred me to PayPal XXXX. I then called PayPal XXXX and they referred me to XXXX. I called XXXX and they told me to call my banks. All in all no one had a record of these payments but my banks. One of my banks asked me to send a stop payment and request a refund for XX/XX/XXXX payment. The other bank which I last paid out of was in XX/XX/XXXX. What I 'd like to know is what do I have to do to recover my money and if you can help me do so? I have documentation from my banks showing dates and amounts of payments made. I 'm at my wits end. Your help in this matter is greatly appreciated. 

Respectfully, 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 09/28/2017 about Debt collection (Credit card debt) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I am XXXX, a XXXX ( XXXX ) XXXX XXXX. In the past few years, I  have suffered numerous XXXX XXXX XXXX. 
I always had excellent credit, but reached a point of being overwhelmed. I had such a hard time coping that I was prescribed XXXX XXXX and still had a hard time facing it. By mid-XX/XX/XXXX, I decided to pull myself out of the hole. 
So, on XX/XX/2017, I contacted my longtime bank, Fifth Third, to advise that I was working with a XXXX XXXX XXXX at a XXXX XXXX XXXX and intended to resolve my credit card debt with them. I asked for The current balance. 
The rep demanded {$110.00} or said it would be " written off as bad debt tomorrow. '' When I said I did n't have that amount today, but might tomorrow, he repeated the info. So I said " you ca n't get blood out of a turnip '' and he said - AND I WROTE IT DOWN immediately " we can squeeze the rock as hard as we can. '' This is a DISGRACE.I He then tried to get me to agree to a settlement, when I had already explained I had a XXXX. 
Of all my creditors, the one who treated me with threats was my own bank? 
Fifth Third -- awful!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Hi, I obtained an FHA loan with NationStar Mortgage XX/XX/XXXX. My house value has increased dramatically and I have contacted the NationStar many times in regards to removal of my mortgage insurance. They have declined. The most recent request was XX/XX/XXXX and they declined again. I am hoping the CFPB can help me to resolve this issue as since I have this loan, I have never once being late for my payment.

Company response to consumer: Closed with explanation