vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
I applied directly with XXXX this a.m. of XXXX, XXXX, 2018 through their website and received a credit score of XXXX from XXXX  ( see attached ). I was denied due to a bogus claim of excessive account balances ( see attached ). I do not have excessive balances. The accounts I do have are low balances where most of these balances will be paid off next month. I do not know what is going on with auto financing, but I am well within the approval guidelines to be approved for an auto loan. I am, presently paying {$350.00} a month.This consumer has been unfairly assessed by this finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On or about XX/XX/2018 I applied online to open a Goldman Sachs XXXX account, and while online, received a " We've declined your application. We apologize for the inconvenience. At the moment, we can't disclose why your application failed. " I called them several times and each time they advised that I should reapply online. I did so with the same results of being denied. I then downloaded copies of my free credit reports and verified all of my information as correct. 

I called them several times ( the most recent being XX/XX/2018, speaking with " XXXX '' and a credit specialist named " XXXX '' ) and was told each time that Goldman Sachs/XXXX  uses a third party vendor to verify my information. However, they refuse to provide me with the contact info for the the third party vendor or the credit report they allegedly used, and I therefore have no way of reviewing, and if necessary, correcting any incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
This complaint is referring to the last two times my wife, XXXX XXXX, paid the XXXX XXXX XXXX XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX ( XXXX  XXXX ) online bill pay service to XXXX XXXX XXXX which is operated by XXXX XXXX XXXX XXXX, XXXX. The due dates relevant to this case are XX/XX/2018 and XX/XX/2018. The balance on the statement due XX/XX/2018 was {$200.00}. The balance on the statement due XX/XX/2018 was {$320.00}. The statement balances were paid in full both times. 


For the bill due XX/XX/2018, my wife requested a payment for {$200.00} to be sent through XXXX XXXX online bill pay to be received by XX/XX/2018. The check # XXXX was mailed by XXXX XXXX on XX/XX/2018, and the check was delivered and the money was withdrawn from the account on XX/XX/2018. However, XXXX did not post the payment until XX/XX/2018, five days after the due date. A late fee of {$75.00} plus a {$7.00} default interest charge were charged to the credit card account. 

For the bill due XX/XX/2018, my wife requested a payment for {$320.00} to be sent through XXXX XXXX online bill pay to be received by XX/XX/2018. The check # XXXX was mailed by XXXX XXXX on XX/XX/2018, and the check was delivered and money was withdrawn from the account on XX/XX/2018. However, XXXX did not post the payment until XX/XX/2018, two days after the due date. A late fee of {$75.00} plus a {$7.00} default interest charge were charged to the credit card account.

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 2018-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Grand larceny fraud has happened on my checking account in the amount of {$3500.00} and the bank refused to give me provisional credit and is requesting I wait up until 90 days to see my money. A fraud check was cashed and posted to my checking account.

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 2018-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Edit this section What happened? 
Requested more info on {$39.00} charge I did not recognize. INK escalated to fraud incident. Weeks go by I hear nothing. I ask of matter many times. They obfuscate, harass me with phone calls, interrogate me etc. They just notified me the account is closed. Wise guys, bad news. I just asked a simple question. Below sent to INK XX/XX/18 Never have I dealt with such incompetent malevolent people. KEEP THE ACCOUNT CLOSED AT MY DEMAND. The {$40.00} charge for which I requested information you have turned into a harassing witch hunt. ADVISE WHAT THAT LAST CHARGE WAS FOR OR REFUND THE CHARGE. AGAIN, AT MY DEMAND, CLOSE THIS ACCOUNT PERMANENTLY!! 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 







Edit this section What would be a fair resolution to this issue? 
Tell me what charge is for or refund charge. 
Step 4 Edit this section What company is this complaint about? 
COMPANY INFORMATION CHASE BANK CREDIT CARD CARD NUMBER XXXX Step 5 Edit this section What people are involved? 

YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , Arizona XXXX United States AFFILIATIONS Service details Branch : XXXX XXXX XXXX Status : Veteran XXXX : XXXX - XXXX XXXX XXXX / location : XXXX XXXX The information given is true to the best of my knowledge and belief. I understand that the CFPB can not act as my lawyer, a court of law, or a financial advisor. 
You will not be able to attach documents or edit this complaint after you submit it. 
Please make sure everything is accurate and complete before continuing. 

Submit your complaint About us The CFPB is an independent federal agency built to protect consumers. We write and enforce rules that keep banks and other financial companies operating fairly. We also educate and empower consumers, helping them make more informed choices to achieve their financial goals. 

HAVE A QUESTION? XXXX? 
( XXXX ) XXXX LOG INTO YOUR ACCOUNT Want to check the status of a complaint you already submitted? 

Username Password Forgot password? 
Log in Privacy Act Statement OMB # XXXX Have a question? XXXX? 
( XXXX ) XXXX An official website of the United States Government

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: CA

Complaint narrative:
Please find the attached letter sent to Sequoia Financial. They have no claim to this alleged debt at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX  sent me these two letters stating I contacted them to investigate fraud on two accounts that does not belong to me. I have requested that chase bank remove these accounts from my CRs but chase bank declined. XXXX XXXX  was NOT contacted by me for any fraud claim. In my opinion this is another example of Law breaking by chase bank equifax XXXX And XXXX  in a attempt to verify a charge off that does not belong to me. In a recent letter chase bank stated they were not contacting me anymore on my issue. They are still harassing me in an attempt to verify a debt that does not belong to me. I have NOT reached out to chase bank requesting assistance with fraud. I have reached out to chase to remove these inaccurate unverified charge offs from my CRs. Please view the new scam that XXXX XXXX  is using to verify a debt that is not mine. Accounts XXXX and XXXX dont even appear on the CRs being verified by the 3 CRAs

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Consultants of California
State: CA

Complaint narrative:
This company his no right to my private medical information to collect profits. Furthermore this debt does not belong to me and was discharged. Please see attached letter to collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION
State: GA

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXXXXXX  XXXX. charged an OVERDRAFT FEE of {$120.00} On XX/XX/2018, XXXX XXXX XXXX  XXXX. charged an OVERDRAFT FEE of XXXX This is my 3rd Complaint against XXXX XXXX XXXX  XXXX. ( " Zion '' ). Thus far, in settlement of disputes, they have refunded {$190.00} ( on XX/XX/2018 ) without altering their conduct in the slightest. 

I respectfully petition for reimbursement in the amount of {$190.00} along with treble damages ( in the amount of {$570.00} ) for willful and deliberate malice and/or gross negligence tantamount to malice by Zion 's Bank in continuing to charge the undersigned OVERDRAFT FEES by deliberately and willfully and/or via gross negligence approving transactions most likely to earn Zion profits though this unethical and unlawful practice ( i.e. " stacking '' ). 

Bank statements and e-notices enclosed will demonstrate that Zion has charged OVERDRAFT fees of {$32.00} for transaction amounting to less than {$6.00} which, to the undersigned, is dispositive of criminal/grossly negligent conduct. 

I respectfully reiterate my prayer for damages in the amount of {$760.00} ; and, an injunction/agreement to IMMEDIATELY CEASE AND DESIST from STACKING and other unethical/unlawful practices. 

Yours truly, XXXX XXXX XXXX, XXXX. 
XXXX  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 2018-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Allied Collection Services, Inc. (Nevada)
State: VA

Complaint narrative:
Some debt collectors harassed my disturbed peace by calling my number and ask for someone to speak. I suspect that they are getting or collecting insider information from cfpb reference number XXXX. I am not at liberty to tell my findings on the murder for hire or retaliatory punishment ring which is getting check from US government, states or companies against the rules and regulations of the OMB. As a matter of fact, I am not submitting this complaint against cfpb., but I am not afraid to speak up. You know what I mean?

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 2018-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I don't think my credit score reflects the {$930000.00} I have in stocks & bonds in addition to the value of the house ( XXXX ) and its contents. After 58 years of not missing or being late with a single payment of a single account, the score seems to me to be too low.

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 2018-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heritage Financial Group, Inc.
State: IL

Complaint narrative:
Hello, We have been contacted multiple times by XXXX XXXX XXXX about a debt owed on a XXXX XXXX XXXX XXXX with a VIN of XXXX Their info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX The problem is that we've

never owned this car. We've never seen this car. And they told us the last 4 of the Social Security Number of the loan and it is not mine or my wife 's. We told them this and they still continue to harass us. They have come our house to leave notices, emailed my wife, sent multiple letters, and threatened us over the phone with legal action. I sent them a letter asking for proof that I took out the loan ( of which there is none ), or to leave us alone. They replied demanding money for a loan we never took out. They claim {$11000.00} is owed ... not sure who owes it, but it's not us.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A COUPLE YEARS BACK I SENT A LETTER TO THE CEO OF TRANSUNION CREDIT BUREAU. SINCE THAT TIME THIS AGENCY HAS FAILED TO LET ME KNOW OF BREACHES TO MY ACCOUNTS AND HAS INCORRECT PAYMENT INFORMATION ON PAYMENTS MADE TO MY ACCOUNTS. THIS SEEMS TO ME TO BE A PERSONAL VENDETTA AGAINST ME AND MY CREDIT. THEY HAVE FAILED TO ALLOW ME TO BUILD MY CREDIT BECAUSE THEY HAVE INCORRECT INFORMATION AND APPARENTLY THERE HAVE BEEN BREACHES TO MY ACCOUNT THAT NO ONE TOLD ME ABOUT. IF THIS CREDIT BUREAU IS SUPPOSED TO DETERMINE PEOPLES CREDIT RATINGS AND THEY XXXX UP INFORMATION AND DO NOT RECOGNIZE BREACHES TO PEOPLES ACCOUNTS THEN WHAT THE XXXX ARE THEY GOOD FOR? 

I HAVE LOOKED FOR THAT LETTER TO THE CEO AND EVEN THOUGH I HAVE EVERY LETTER BACK TO XX/XX/XXXX, I CAN NOT FIND THE LETTER I SENT TO THE CEO OF TRANSUNION. 

WHEN YOU CALL THESE PEOPLE THEY ARE ABSOLUTELY CLUELESS AND THIS HAS BEEN GOING ON SINCE THE DATE OF THE LETTER WHICH WAS BACK IN XX/XX/XXXX. THERE ARE ACCOUNTS SUCH AS MY XXXX XXXX ACCOUNT, XXXX XXXX ACCOUNT, MY PERSONAL ACCOUNT WITH XXXX XXXX XXXX WHICH IS MY BANK AND MORE AND ALL OF THE PAYMENTS ARE LESS THAN WHAT IS ALLOWED AS EVEN A MINIMUM PAYMENT AND I DO NOT WANT TO CONTACT THEM BECAUSE THEY ARE INCOMPETENT AND JUST RECENTLY MY SCORE DROPPED CONSIDERABLE WITH NO EXPLANATION WHAT SO EVER AND THAT IS OUTRAGEOUS. I WANT THIS COMPANY INVESTIGATED BECAUSE I AM SURE I AM NOT THE ONLY ONE THAT IS BEING EFFECTED. 

WHOEVER IS RUNNING TRANSUNION THEY ARE INCOMPETENT AND THEN THROUGH XXXX XXXX I FOUND OUT THERE WAS A BREACH FROM COMPANIES I HAVE NEVER DONE BUSINESS WITH AND ALSO CREDIT CHECKS FROM COMPANIES THAT I HAVE NO IDEA WHO THEY ARE. 

IF MY IDENTITY HAS BEEN HACKED, THEN TRANSUNION HAS DONE NOTHING OR NEITHER HAVE THE OTHER COMPANIES THAT CONTROL CREDIT FRAUD. TRANSUNION IS CONTROLLING WHAT THE OTHER AGENCIES IN MY CASE ARE OFFERING ME AS A SCORE. I AM SICK AND TIRED OF THIS ABUSE AND I THINK WITH THE ADMINISTRATION WE HAVE THAT THIS CREDIT BUREAU SPECIFICALLY IS NOT DOING THEIR JOBS AND NOT TELLING PEOPLE WHY THEIR SCORES DROP AND HAVE MANY MANY INCORRECT PAYMENTS AND I WANT THIS CHECKED INTO AND THE CEO RUNNING IT SHOULD ALSO BE INVESTIGATED AS SINCE MY LETTER TO HIM, I HAVE HAD NOTHING BUT TROUBLE. 

I WANT TO KNOW IF MY ACCOUNT HAS BEEN HACKED AND THESE IDIOTS HAVE NO IDEA. AND THEY DO NOT CARE. I THINK REGULATIONS SHOULD BE PUT ON THEM AS THEY ARE EFFECTING PEOPLE WITH NO EXPLANATIONS AND MOST OF THE TIME DO NOT EVEN ANSWER THE PHONE OR HAVE A PHONE NUMBER PUBLISHED. WHAT ARE THEY HIDING? 

PLEASE INFORM THEM THAT I WANT EXPLANATIONS WHEN THEY XXXX WITH MY CREDIT SCORE WITH NO EVIDENCE AT ALL.

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 2018-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXXXXXX XXXX sent me these two letters stating I contacted them to investigate fraud on two accounts that does not belong to me. I have requested that XXXX XXXX   remove these accounts from my CRs but XXXX  XXXX declined. XXXXXXXX XXXX was NOT contacted by me for any fraud claim. In my opinion this is another example of Law breaking by XXXX XXXX XXXX Transunion And XXXX in a attempt to verify a charge off that does not belong to me. In a recent letter XXXX XXXXk stated they were not contacting me anymore on my issue. They are still harassing me in an attempt to verify a debt that does not belong to me. I have NOT reached out to XXXX XXXX requesting assistance with fraud. I have reached out to XXXX  to remove these inaccurate unverified charge offs from my CRs. Please view the new scam that XXXX XXXX is using to verify a debt that is not mine. Accounts XXXX and XXXX dont even appear on the CRs being verified by the 3 CRAs

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 2018-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Chase Bank sent these two letters in an attempt to verify two charge offs on my CR. These are not my accounts and I DID NOT REQUEST A FRAUD INVESTIGATION FROM chase bank. ( See attachments ). Chase bank on this website stated they were not contacting me on my issue anymore however they are sending letters implying that Im requesting a fraud inquiry. I have Not contacted chase bank since XXXX by certified letter requesting removal of the charge offs. Since that time chase bank has performed unrequested inquires and fraud investigations without my approval attempting to verify a debt thats not mine. The 3 CRAs are simply parroting inaccurate unverified information from chase bank. Now I feel like Im being harassed by chase bank who will not comply with the guidelines of the FCRA in reference to inaccurate unverified information placed on consumers CRs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I accidentally clicked pay entire balance from my USAA bank app on phone from my other banks linked account. I immediately realized my error and called credit card company and they said it was too late contact paying bank. I called them and they said come to bank. I immediately went to bank and they charged XXXX dollars for a stop payment on transfer which I gladly paid. Two days later transfer went through. Causing XXXX overdraft. Bank said there was nothing they could do. Credit card company said there was nothing they could do. Now Im accumulating overdrafts with both parties saying theres nothing they can do and my stop payment XXXX fee will not be refunded either because they say theres nothing they can do. Im stuck in cyberspace nightmare because of my fat fingers paying a bill on my phone. Can somebody please help me? 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 2018-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The inquiry was made by XXXX XXXX XXXX on XX/XX/2016. I do not recognize this inquiry and it should have been removed from my Experian consumer report because it is over 2 years. I contacted the inquirer but they have not remove the inquiry from my consumer file yet.

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 2018-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
Made a formal statement with Ability Recovery Services LLC on XX/XX/2018. Explaining to them that I was XXXX at the XXXX XXXX XXXX in and around the time these services were provided. I asked for proof of a itemize bill. The debt collector refused to send it to me. After calling numerous times they finally agreed to send me a bill. Instead of sending the itemized bill they sent one of their cover letters with an attached payment slip at the bottom of paper.

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