vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Two of my accounts at BB & T ( one checking, one savings ) were fraudulently accessed by an unknown person ( s ) with access to my SS number and my previous name ( I am divorced and took my maiden name back 7 years ago ). They also set up a new account online at both XXXX XXXX and XXXX XXXX in my previous name and SS # and after transferring trial credits and debits between my account and their new accounts at XXXX XXXX and XXXX XXXX,  proceeded to transfer {$12000.00} in installments into the XXXX account. They also changed my email address on my profile at BB & T so I did not receive any emails regarding the transferred funds. The XXXX account was openedXX/XX/XXXX and closedXX/XX/XXXX. The account at XXXX XXXX was opened/closed within days betweenXX/XX/XXXX and XX/XX/XXXXand except for the trial credits/debits, had no activity. In addition to lost interest due to my BB & T balances being lowered due to the money transfers, I have lost {$12000.00} plus {$12.00} in bank charges for four separate transfers totaling XXXX ( {$5000.00}, {$5000.00}, {$2000.00}, and {$500.00} ), as well as {$7.00} for certified mail to file a fraud alert with the FTC. BB & T has denied my claim of identity theft and have advised me that the funds were transferred to an account that was opened in my name and SS #. XXXX XXXX is telling me that they are not responsible for my loss and it is BB & Ts responsibility. XXXX XXXX has approved my claim but I never lost any money to that bank.

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 2017-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Ban k of American  offered a  XXXX  signature credit card in connection with   XXXX    XXXX . As part of the inducement to apply they offered  XXXX  bonus miles and a companion ticket for the cost of the taxes and fees associated with the fare of the ticket. They offered apply now and book your travel immediately. This is not true. Although I was immediately approved for the card and immediately made the required purchases, when I received the actual card an " insert '' stated that the miles and the companion ticket would not be issued for up to  two  more billing cycles.   I would not have filled out the application nor would I have used this card had I known I would not be able to travel within the very near future. " We look forward to traveling with you soon '' is not exactly what they mean. Applying now and if you 're instantly approved- you can book your next flight immediately " is a lie. " Buy  XXXX  ticket, and get  XXXX  for just the taxes and fees from just {$22.00} after you make {$1000.00} or more in purchaes within the first 90 days '' is another lie.

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 non-monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opene d a Business Build-to-Order Checking account at BBVA Compass i n   XX/XX/XXXX .  I have the original paperwork and it clearly states there are no service charges. I received a letter in   XX/XX/XXXX  th at also confirms there are no service charges.     In   XX/XX/XXXX  , I received a statement dated   XX/XX/XXXX , i ndicating that a $  XXXX  monthly service charge was removed from my account. This was the first letter regarding the account since   XX/XX/XXXX .  The statement describes the account as " CLEARCHOICE FOR BUSINESS ''.     After making a few phone calls, I learned  that BBVA Compass ha s been taking {$15.00} a month from my account for years, totalling at least {$450.00}.     I have been trying for  two weeks to get a statement showing the total amount that was taken from my account, and to get BBVA Compass to  return the money to me. The first week resulted in a branch manager,  XXXX   XXXX , returning 3 months in fees and telling me that was all he could do.     Last week I was directed to communicate with  XXXX   XXXX   at BBVA Compass re garding this issue. Wednesday ,  XX/XX/XXXX ,  I sent her an email requesting an itemized list of fees taken from my account and a refund for that amount. I have not received any communications from  XXXX   XXXX , as of   XX/XX/XXXX ,  other than answering my phone call to confirm she received my email request.     I also aske d BBVA Compass  who changed my account, when it was changed, why it was changed, and why I was not notified of the change. My address and phone number have not changed since opening both accounts. I have also received emails fro m BBVA Compass, b ut never a statement showing these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Amount : {$2200.00 } Date :  XX/XX/XXXX  Company : B ank of America took over. Nations Bank  of F lorida where this account was. I contacted the state of Florida, sent in proof of my relationship to the owner of the account, my mother, and all other required documentation. They want some kind of business paper from the banks. This account is o ver thirty years ol d, my mother is deceased since   XXXX  , and we have no business papers to show. Bank of America says they have nothing either. The state of Florida will not release these funds without some business paper. There is n't anything. The bank should have something and they claim they do not. The state of Florida refuses to do anything, .claiming they need some document between the  XXXX  banks. It seems if there was a document it is either long gone, thrown away, or misplaced.

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 2017-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On  XXXX   XXXX   2017, I  applied for pre-approval for an auto loan from my bank, USAA. I was preapproved for a range from {$40000.00} - {$6000.00}. Right on the web site it said that this was only a preapproval and I was not guaranteed any specific amount until I selected a vehicle and finalized the loan with a USAA loan officer while I was at the dealership. The next day  XXXX   XXXX     2017, I did  every step that USAA said to do, went to the dealership, and finished by talking on the phone with a lady who represented herself as  a USAA loan officer whi le sitting at the dealership. I gave the loan officer the VIN number of the vehicle, permission to pull my credit report, and all the other information she requested. At the end of the conversation she guaranteed me a final loan amo unt ( {$43000.00} ),   term ( 84 mon ths ), and rate ( 3.8 4 % ). I asked her to confirm the rate and term several times in front  of the dealership financial manager. Based on the guaranteed rate and term provided by the USAA Loan Officer, I closed the deal and purchased the vehicle. After four days ( when it is too late to return the vehicle without penalty ), USAA sent me a document entitled " Addendum to Note, Disclosure, and Security Agreement, '' with a completely different rate and term than the ones I had finalized with the " Loan Officer. '' I immediately called USAA, and they refused to adjust the rate and term to the one agreed to by their representative, because they said I had already agreed to a rate and term the night before I went to the dealership, and the " Loan Officer '' had no authority to supersede that on the phone. I understood the work I had done the night before to be a preliminary preapproval and that the loan terms would be finalized on the phone with the USAA Loan Officer just as we did. Otherwise, what would be the point of the phone call? I believe this to be a fraudulent, " Bait-and-Switch '' tactic to switch people into whatever rate and term are most advantageous to USAA after the loan has been negotiated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
This is related to checking and credit card accounts with USAA.
USAA will not allow me to make any changes to my accounts online. I can only view account information, but make no changes. USAA says this is because I owe them {$370.00} as a result of overdrafts. I can not modify my auto insurance. I am making payments on a credit card I had with USAA, I can not change or in any way adjust the amount I am paying because I do not have the ability to do so. The only department that can change this is Collections. Collections does not allow communications through any medium other than phone and wait times average over 30 minutes. They will not communicate through email, messaging or even paper correspondence. I have been unable to reach them due to the extended wait times on the phone ( this is the norm according to related internet forums ). In addition USAA began withdrawing from my checking account WITHOUT MY AUTHORIZATION when the debit card I was using to pay became compromised and had to be closed.     Until last year I had no electronic access to my  XXXX   XXXX   XXXX   XXXX  account as they refused access because I had declared bankruptcy. That is now fixed as a result of the CFPB 's action s (  Thank you ! ). I dispute the {$370.00} charge but can not get it resolved as I can not reach Collections. I need to change my credit card payment but can not as USAA will not allow me to modify my accounts online. I wish to modify my auto insurance but can not do so as USAA wi ll not allow me electronic access/changes to my accounts.

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 2017-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
SYNCB/ XXXX  is reporting a secured loan on my credit report that I did not apply for. I contacted them already and they stated that is account would be removed from my credit report and it has n't. It shows that this account is joint with  XXXX   XXXX  is and I have no idea who this is. I never noticed this account on my credit report before and It is affecting my credit because it shows 90 days late. That is how I knew it was on my credit report because I got notified through my credit monitoring. You can look at the payment history and see I never paid for this account ever. I would also like for you to furnish a document that shows my legal wet signature and video footage of me signing for this loan.

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 2017-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I have been receiving periodic  medical services fr om  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   )   XXXX  for the past 2 years. My health plan covered most of the cost with a portion being my responsibility. I verified with  XXXX   (   XXXX   rep ) th at I only have  XXXX  account with  XXXX  showing a balance of {$460.00} of which {$410.00} was forwarded for collections but broken down into  XXXX  different amoun ts. Eastern Account System (   XXXX   )   XXXX , the collection company, is reporting the  XXXX   XXXX  account as  XXXX  separate accounts which I believe to be excessively punitive and unfair. The community needs to be made aware of this, especially before havin g medical services rendered by providers with this company. There may also be violations of law with the State of Texas, Fa ir Credit Reporting Act a nd Federal Consumer Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I do not know what this debt is for. I have never heard of this company  XXXX   XXXX , nor have I ever received anything from this company regarding any kind of debt. It shows this debt was opened with this collection company on  XXXX   XXXX ,  2015. I do n 't have a clue who this original creditor, nor have I ever received any documentation from this debt collector.

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 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting incorrect personal information that I need removed ASAP Incorrect Names   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Incorrect SSN  XXXX  Incorrect Address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  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 non-monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
The debt is not mines the creditor continues to remove it and reinsert it back on my credit with a new open date.

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 2017-05-24 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: NY

Complaint narrative:
XXXX  is reporting account number  XXXX  on my credit report. This account should not be on credit report. It is not mine and I already filed a CFPB complaint to get it off 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 2017-05-24 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: NY

Complaint narrative:
XXXX  is reporting account number  XXXX  on my credit report. This account should not be on credit report. It is not mine and I already filed a CFPB complaint to get it off 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 non-monetary relief
Consumer complaint received 2017-05-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX  is reporting account number  XXXX  on my credit report. This account should not be on credit report. It is not mine and I already filed a CFPB complaint to get it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Amount of {$30.00} transferred from my bank to paypal on  XXXX / XXXX / 17 . Bank approved it and sent the money paypal has yet to issue the funds and tell me nothing can be done about it I have to wait to see what happpens.

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 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted  XXXX   XXXX  several times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  XXXX   XXXX  has refused to remove these inaccurate reporting on my credit file with  XXXX , TransUnion, and  XXXX . This account was paid in full on  XXXX   XXXX ,    2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.

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 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted  XXXX   XXXX  several times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  XXXX   XXXX  has refused to remove these inaccurate reporting on my credit file with Equifax,  XXXX , and  XXXX . This account was paid in full on  XXXX   XXXX ,    2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted  XXXX   XXXX  several times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  XXXX   XXXX  has refused to remove these inaccurate reporting on my credit file with  XXXX ,  XXXX , and Experian. This account was paid in full on  XXXX   XXXX ,  2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.

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 non-monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
XXXX XXXX 2017 my brother in law called US bank in XXXX Kentucky to verify a check on my behalf ... gave all numbers etc and was told yes ( by the bank manager ) he could take it and cash it there and then or put it in an account and as a cashiers check would be automatically in the account ... the next day XXXX XXXX 2017, as my bank shuts on a Wednesday afternoon, I put the check into my account having got the clerk at the bank to call the same bank, same man in XXXX and was again told that yes the check was good and continue with the transaction ... I, m XXXX so as soon as a check arrives we have to leave it at least 3 working days to  clear, but this check went straight in showing funds ... another company I deal with immediately took funds out, autorenewal that I did n't authorise..as I never keep that sort of money in my checking account ... by the following Monday XXXX XXXX 2017 the funds were withdrawn by my bank ... leaving me to now cover the sum ... plus charged me for a returned check ... My complaint is that I/we was/were told twice by the bank manager that this was a good check, showing funds which were then taken from my account..they should not, in my opinion say that a check is fine and release funds to only stop the check and take them back ... leaving me in a very awkward position, having to close my account and order a new card, waiting for 10 days for that to happen ... unable to do normal business transactions ... as I say, in XXXX, we wait for cleared funds after 3 days, never will show in the account until then, so the account would be safe from unwanted unauthorised predators taking money ... Since then my bank refunded me the fee for returned check but the US bank told me no that the check was fraudulent and no refund available ... nothing they could do ... I was disgusted and have been advised by my bank in XXXX to contact you as a formal complaint against the bank..The bank have all my details for the transaction. Copies of check, entry to my account ... The documents are too big on file to be sent to your complaints.

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