vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: ND

Complaint narrative:
Lease payments were all made on time or early. Turned vehicle in 3 weeks before due. The dealer tried to call bank rep for schedule of review. No response so dealer XXXX. did walk around and found vehicle to be clean, tires good, body undamaged, no dings or other repairs needed. I'd purchased insurance at signing for {$750.00} and agreed to pay {$10.00} more per month for body ding & windshield protection without any deductables. 
I informed and showed dealer manager the policy being left in consol. I offered to meet bank and place any claims necessary. The mileage allowed for 3 yr lease waw 15,000 per year. 45,000 total. Turned in at 44,000 + but below 45,000. The bank arbitrarally billed me for 1 tire @ {$200.00} and a chip repair in windshield @ {$190.00} for total of {$390.00}. I sent a letter disputing these extra charges. Bank said I turned car in wrong and these extras were owed. Again, I disputed in writing. I guess wear & tear didn't matter because already I replaced 3 tires @ 35,000 +/- miles and 1 complete windshield with XXXX XXXX. Bank began to harrass me by turning to collection as unpaid payment due. I also disputed at collection leval. Bank wrote off loss and sold my account to collection firm. Ally Bank has ruined my credit causing my home refinance to be denied.

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 2020-08-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Direct Mediation
State: KY

Complaint narrative:
Company called my office today to discuss debt collection. When I attempted to ask questions about the debt, the caller XXXX XXXX who said he was calling on behalf of First Direct Mediation, began yelling at me and degrading me by calling me an XXXX. When I tried to explain that I have attempted to work with the original creditor to settle this matter, but then I receive threats of people coming to my home, people calling my mother and threatening her etc, he stated that he would send the police to my home and/or my work. He continue to yell at me and berate me, then hung up the phone. When I called back and asked to speak with a supervisor I was connected with Mr. XXXX again who made statements about the 8 years he went to school to become a lawyer and that he could not wait for me to be taken to court because " the calls were recorded and I laughed at him '' while he was yelling at me and threatening me. I told him it was unprofessional for him to act this way and to threaten to send people to my home where my son live and he said " no one cares about your son ''. I told him that I too am a professional and went to school and I know that it is unacceptable for him to treat me this way. I told him I am a XXXX XXXX XXXX and he said to me " well you need XXXX XXXX treatment ''. I then told him I was ending the call and hung up. I was then contacted by the HR department at my job questioning if he was supposed to call to do an employment verification. I explained the situation to the HR manager who disclosed to me that Mr. XXXX was also extremely rude with the switchboard operator when he was trying to obtain my office phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On Wednesday XX/XX/XXXX I attempted to purchase a XXXX XXXX   with paypal for ' {$240.00} ' from the " XXXX '' website. 

On XX/XX/XXXX I emailed asking for a status of the order On XX/XX/XXXX I realized I had been scammed, Emailed asking for a refund. I then opened a paypal dispute, also on the XXXX of XXXX. 

Paypal has not yet honored there consumer protection they advertised. They have not even responded to my dispute. On XX/XX/XXXX I reached out to their facebook account in an attempt to speak with an agent. They only had an automated response saying they would get back to me. They have not responded. 

I was scammed by that website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Several months ago my car was totalled. I have been trying to pay off the remaining balance of the loan ever since. I can never get through to the total loss department at Bbva. Every time I try I am on hold for something like 20 minutes and then the ivr hangs up on me stating they are unable to handle my call and to try later. Eventually I decided to just wait for all the insurance companies to finish their work and see where I stand. Once all was done the app showed a principle balance of about {$180.00} and a payment due of like {$40.00} or {$50.00}. That was last month. Evidently that wasn't the right. This month I see a late charge of {$21.00} has been applied. So I downloaded an actual statement and find to my surprise I actually had over {$400.00} due. Recall the app only showed a payment due of like {$40.00}. Now I owe {$310.00} and the app says my payment due is {$67.00}. This is very misleading and deceptive. The app is lying about the payment due. I tried to at least get the late fee waived due to the error but again could not get through to the only department that is allowed to help me, the Total Loss Team. I did talk to several other reps but no one could or would help. They just kept transferring me back to total loss where I would be hung up on. I have sent payment for the full amount due by mail this time, no longer relying on bbva 's app or website. I would have preferred to pay by phone or in person but again I'm only allowed to work with total loss and I can never reach them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
We have actually, recently paid off a mortgage serviced by NewRez/Shellpoint. Account number : XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX, CO XXXX. They acquired our mortgage for XXXX around the first of the year. In the transition, some automatic payments from our bank went to the old account at XXXX. In XXXX we became aware of the problem. We began a series of calls that has led to two of the errant payments being properly credited. We are still dealing with the third. 

On XX/XX/2020, in response to a request from them, we sent unredacted bank statements for XXXX ( the month in question ) and XXXX, to show that a ) the payment was made and b ) that it was not refused and credited back to our account ( as their records indicate ). I called again today and was told that I could not even talk with someone in the department that is now dealing with this issue. We re-emailed the requested documents today and then came here to, after almost four months of frustration, file a complaint. 

We are providing documentation below, which has been sent to Shellpoint ( multiple times ). Here we only want to add that we have never experienced a company where the employees have been uniformly not merely professional and polite but seemed to genuinely want to help but the entire system seems to be set up to make that impossible. You can not speak to the person you previously spoke to making the process both much slower and deadeningly repetitive. And once it is confirmed that you may indeed have a real problem with their service, you can't even talk to a person in the department that is dealing with you issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Fraud on checking account occurred in XX/XX/XXXX through a merchant we have used before in the fall of XXXX. I contacted Bank Of America to advise of fraudulent charges while they were pending and was advised that they would contact the merchant for proof of fraud in XX/XX/XXXX. The advised me to allow charges to clear for claim processing in which fees would be waived. Card was canceled and replacement was issued. Now months later in XXXX, claim was denied and not paid because Ive used this merchant before. I did ask for the proof from the merchant that this transaction was unauthorized and Bank Of America confirmed they will not require proof of fraud from merchant and make decisions solely on timing of reporting and if Ive used this merchant before. No contact was made with merchant to prove the fraud nor after multiple disputes through management on XX/XX/XXXX and XX/XX/XXXX would their be attempts to contact to the merchant to find out how these items were fraudulent. Solely on the confirmation that I have used this merchant before qualifies Bank of America to not do due diligence to protect their customers and prove that items were in fact fraud. This is not only predatory behavior, but also a concern for a consumer who has been with this company for over 15 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 monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian and XXXX are fraudulent on my credit account DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXXXXXX is fraudulent on my Acct # XXXX. XXXX XXXX XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on Acct # 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 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a Capital One business account. There have been no late payments. The account is usually paid in full monthly. The credit line has been {$30000.00}. They lowered the credit limit to {$10000.00} on XX/XX/XXXX with no advance notice citing lack of credit utilization. I contacted them on XX/XX/XXXX when I received the letter. The call was escalated to two levels of management. I advised this reduced credit limit had lowered my credit score. He stated they were aware and this was an intentional decision. I questioned if he just stated that Capital One made an intentional act to purposefully reduce my credit score - and he stated yes this was done intentionally and we know it reduces your credit score but this is a business decision and it is in  the contract that we can do this with no advance notice. I can not fathom how a company can intentionally cause harm to my credit with no advance notice and this be legal, regardless of some fine print that may or may not be in a contract. This was a willful and intentional act to cause harm to my credit which I take very seriously. I would appreciate your assistance. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On or about XX/XX/XXXX, I began working with my existing mortgage provider ( Bank of America ) on refinancing my mortgage. My loan officer and I engaged in back and forth discussions over the next couple months, which included the bank charging me {$610.00} on XX/XX/XXXX for the processing of the loan refinancing. I provided all documentation that was requested and possible for me to obtain, such as my W-2s, tax filings, home insurance information, however, I began to grow concerned when they indicated that they might not be able to process it because my student loans were in " deferment. '' I explained to them that this was a result of the CARES act, which provided an automatic suspension of principal and interest payments on federally-held student loans through XX/XX/XXXX. I am currently enrolled in the PSLF program. They began asking for various pieces of evidence on not only my school loan payments, but also about my company 's bonus structure and why I got a higher amount at the beginning of year XXXX as opposed to XXXX, which I provided in writing the best I could since I did not make the decision of what I got for a bonus. Additionally, I provided them evidence of every payment I made as part of the PSLF program, as well as all documentation provided regarding the CARES act and how it would pertain to my loan. This was not sufficient, however, they continued to ask questions on how they determined my monthly payment plan, which I explained was based on tax filings, which were already made available to them. In the end, I was unable to obtain the processing because I could not " Obtain written documentation from the creditor verifying : ( a ) Actual monthly payment ; ( b ) Payment status ; ( c ) Outstanding balance ; ( d ) Loan terms '' that were satisfying because that information was {$0.00} due to the CARES act suspension. 

After following up over the past month and not hearing anything, today, XX/XX/XXXX, I found out that they had ultimately denied my refinancing as a result of the loans being in " deferment. '' From everything that I can gauge, the CARES act should not have prevented me from obtaining the refinancing, and I believe that the bank is using that as a reason for me to not have a lower payment. Additionally, I was informed that I would have to request in writing to have the money for the processing refunded, and that they could not guarantee I would even get that money back.

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 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
USAA closed my account but they didn't send me all my money. They overnighted {$1000.00} of my money but I had {$1300.00} left in my account. I don't appreciate them not sending me all the money that was in my account. They knew I had {$2300.00} but only chose to send me {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX and TransUnion are fraudulent on my credit account DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX/XXXX is fraudulent on my Acct # XXXX. XXXX XXXX XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on Acct # 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 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX paid to through Paypal. Both vendors are in XXXX and advertised to be in the United States when products were being purchased. I did not receive what I purchased. Paypal has allowed this behavior. I am out of my money and the product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eagle Accounts Group, Inc.
State: OH

Complaint narrative:
Found a collection account from child support when I dont owe any money or even have a active case they fraudulently put it on my XXXX   credit report and its wrong

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 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I received a email from XXXX XXXX about a collection on reported on my a XXXX XXXX credit report XX/XX/2020 this was the first I even new someone was trying to collect a dept. On XX/XX/2020 I disputed threw XXXX XXXX and came back accurate. Don't know anything about this bill it from IC Systems Collections for {$460.00} stated the the original creditor is XXXX XXXX XXXX. I again Disputed the collection XX/XX/2020 this time directly threw XXXX XXXX web site. This time the results came Not Specified and changes were made. I called XXXX XXXX and they did know what that results meant. I asked them if IC Systems provided any documents proving that this is my debt and stated no. This is not my debt and want removed from 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 2020-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$4000.00} {$5300.00} They are charging all these interests and rising my loan amount on purpose and they have already repossess my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Bank said to repair a credit issue that resulted from health issues that I should create a credit card using my money to fix credit that went from XXXX to XXXX after loss of job due to health. They put my {$500.00} on a credit card from my personal checking account and created a company credit card. Once after several years I noticed that no credit repairs were made I stopped using the credit card. Later was charged {$39.00} twice on the card for late fees. They have never replaced my remainder of the money. The charges on the card were {$260.00} as of the XXXX statement. I did not see the XXXX late fee of {$39.00} because it seemed hidden on a back page. Now I receive rude calls that I owe them and when I have tried several times with many phone calls nobody has fixed this or given me my monies back. I feel I was lied to by the banker that wanted to sell me this card since it did nothing to repair credit. I later obtained a XXXX XXXX card and it has increased my credit score from XXXX to now XXXX. Why after paying this card with Wells could they not have told me the truth or helped me with the situation? I paid the card for many years and it never helped me in the least. Meanwhile I still get rude calls and a rude letter dated XXXX XXXX, 2020.

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 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Found a collection account from child support when I dont owe any money or even have a active case they fraudulently put it on my Equifax credit report and its wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a Savings & Checking Acct with Wells Fargo. Their online service does not allow me to reset my Online password as they ( Wells Fargo, Online support ) acknowledge the existence of a technical glitch, where if the client does not have a debit card, it will not allow the user to reset their password online without having to call in causing unnecessary aggravation and loss of time to the client.

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 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I did an online transfer from my account to my nephew 's account through PayPal on XXXX XXXX, 2020. PayPal is holding the release of the money to my nephew claiming that it was considered a `risky` transaction and was therefore sent as an e-check instead of an immediate bank to bank transfer. When I asked PayPal what qualified my transaction as `risky ', I never got a direct answer. All I keep getting are scripted answers that e-checks take a while to clear. However, I checked with my bank and the transaction was cleared and paid on XXXX XXXX, 2020. I had no other recourse by file a dispute with PayPal on holding the money for no valid reason. 

I did some research on PayPal and apparently they have a practice of holding payments in pending made by other members, of which I suspect their `internal security system ' would randomly do. The amount I'm disputing may be insignificant but if other members ' money are being held as well, the total amount held can be significant and PayPal could conceivably be advantaged financially from the `float ' on the money. This is practice PayPal is engaged in can be best described as deceptive or fraudulent. I have also filed a complaint on this matter with the Federal Trade Commission/Bureau For Consumer Protection and asked them to investigate this matter.

Company response to consumer: Closed with explanation