vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have had an online checking account with Ally Bank since XX/XX/XXXX. I never opted in to overdraft protection with them, nor did I agree in writing or verbally to allow the bank to pay overdrafts on my account. At the time I opened my account with Ally the bank 's overdraft fee was {$9.00}. 

On XX/XX/XXXX, a merchant erroneously charged my checking account {$84.00} via an Internet transaction. I had {$23.00} in my account at the time. Despite my never authorizing it to do so, Ally paid the debit and charged me a {$25.00} overdraft fee, nearly triple the amount to which I had agreed when I opened the account. I called the bank and the representative told me payment of the item was at the " bank 's discretion. '' According to my understanding of the law, that is not the case because I never authorized it to pay transactions that overdraw my account. I also asked why the fee was {$25.00} versus {$9.00}. The woman stated that the bank increased the fee in XX/XX/XXXX and had sent a letter notifying me. Despite the fact that I have received every single statement the bank has ever sent me, that letter mysteriously did not arrive. Nor did I receive anything via electronic mail. 

I have resolved the issue with the merchant in this case, who was completely at fault. However, the issue of why Ally paid this amount and charged me a fee is not resolved. I do not want the bank to accept transactions that overdraw my account and then charge me a fee, nor did I authorize it to do so. I was illegally charged hundreds of dollars in fees by XXXX and received a {$3.00} check after it settled its class action suit for what amounted to chump change. I vowed at that time never to be victimized in the same way again. Yet here we are. 

In addition to the fact that Ally should not have allowed this transaction, I was also not notified that it had gone through. The bank is required by law to tell me about all overdrafts and fees so I can take appropriate action if need be. Had I not on a whim checked my account this transaction would have stayed there until my next statement, at which time the account would have been overdrawn for & gt ; 10 days. According the the bank 's representative, allowing the account to be overdrawn for that amount of time -- even though it never notified me and it was the merchants fault, could have resulted in the overdraft activity being reported to XXXX and also negatively impacted my ability to conduct certain types of business with the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Have XXXX autos this company was XXXX they filed bankruptcy then me and my husband filed bankruptcy in 2010 his shows mine do n't also extension for all school loans because of his illness done this XX/XX/XXXX and granted no payment or late due to his illness

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 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my second complaint/dispute please see complaint # XXXX. 
Basically I was in negotations with XXXX regarding their proposed settlement. 
While negotations they were still reporting late payments to my credit report. Further I have disputed these several times. Experian shows late payments XXXX / XXXX / XX/XX/XXXX / XXXX / XXXX / XXXX 2016. Transunion shows late payments XXXX / XXXX / XX/XX/XXXX XXXX XXXX 2016. 
disputes XXXX file XXXX dtd XXXX/XXXX/2016 / XXXX file XXXX XXXX XXXX/XXXX/2016 / XXXX file XXXX XXXX XXXX/XXXX/2016 XXXX file XXXX XXXX XXXX/XXXX/2016 XXXX XXXX report XXXX XXXX XXXX/XXXX/2016 / report XXXX XXXX XXXX/XXXX/2016 / faxed XXXX/XXXX/2016 / mailed XXXX/XXXX/2016 / plus additionally XXXX others

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 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an eviction on my record from XXXX XXXX Apartments in XXXX XXXX XXXX, Utah. XXXX Apartments filed a retaliatory eviction against me. We went to court and settled that I would pay the remaining rent balance and not post anything online and move out at the end of XXXX 2015. I complied with everything that was agreed upon in court and in return they was supposed to give me neutral renters history. However after paying the balance which was agreed upon XXXX XXXX Apartments made extra demands for money that was not part of the settlement and have issued an eviction on my record. XXXX XXXX Apartment not only filed the illegal eviction but attempted to extort more money from me because of my military status and fear that an eviction would negatively affect my career.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was applying for an auto loan between numerous banks. Capital One Auto Finance denied me because I did not meet the minimum age requirement. I received letters from XXXX financial institutions stating age was the only factor in denying me an auto loan. I have held on to these letters and I am submitting this request because I believe they wrongfully denied me credit. I am XXXX years old ( XX/XX/XXXX ), which is more than within the minimum age requirement according to the Equal Credit Opportunity Act. I have supporting documents and am more than willing to provide this information**The Equal Credit Opportunity Act states : Consider your age, unless : you 're too young to sign contracts, generally under XXXX ; you 're at least XXXX, and the creditor will favor you because of your age ; it 's used to determine the meaning of other factors important to creditworthiness. For example, a creditor could use your age to determine if your income might drop because you 're about to retire ; it 's used in a valid credit scoring system that favors applicants XXXX and older. A credit scoring system assigns points to answers you give on credit applications. For example, your length of employment might be scored differently depending on your age. 
**

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My sister 's information is showing up on my credit report. This has become an issue because her bad debt is causing my credit score to drop. I need to know how I can get her information removed As Soon As Possible!!! A credit report has already been run. The Report # is XXXX. I do n't wish to have my credit run again as a hard inquiry as this will also reflect badly on my report. I was told that this report # would suffice for the issues in question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian credit reporting company has re-inserted an account ( XXXX ) with incorrect information on my credit report. This credit account was showing as paid as agreed but listed in accounts that are potentially negative. ( which is incorrect ) this account should be showing as accounts that are in good standing. Today I checked my credit report as I monitor it very frequently and noticed that they re-inserted a 30 late payment in XXXX/XXXX/2016. This account was never paid late. This information is Incorrect and is affecting my credit score in a negative way. I am submitting this complaint because I have been waiting patiently as told for them to update my credit reports. Now I see this information is being reported. This account ( XXXX and XXXX ) which are both held by XXXX should be showing in accounts that are satisfactory and in good standing. They are reporting paid as agreed but listed under potentially negative account. This is ridicilious and I am very close to seeking legal advise in pursant to sueing the credit reporting agency 's along with the credit card companies who are reporting this incorrect information.

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 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been trying to get XXXX and XXXX to remove this item Now for over a year ... ... ... they keep verifying this as real with Chase and i keep requesting Validation which they refuse to give ... ... .from the information i do get it 's not my name ... ..it 's not my address ... ..and they refuse to verify Social security # ... ..i have sent letter after letter after letter ... ... ..finally Chase sent me a letter stating they did n't have the file with the documentation to support this debt ..a clear violation of the Fair Credit reporting Act ... ..but still nothing from the credit bureau 's even though i sent that to them as proof ... ... .i even tried to call the credit bureau 's ... they were extremely rude ... .they told me what their policy is ... when i tried to explain that their policy is not compliant with the law they said they would re-open an investigation but then nothing ever comes of it and they just move on with it on my report ..they had XXXX different social security # 's on my credit file XXXX of which did not belong to me ... .I had to ask them to remove them even though i sent them a copy of my Social security card they left them there ... .... attached please find not only the chase documentation backing up what i am saying they verify it but when i ask them to show me ... ..they say they ca n't cause they do n't have the doc 's to support it it 's like this never ending circle back and forth ... ..i even tried to get the credit bureau 's to bring chase on the phone and verify it with me ... ..Chase refused to come to the Phone unless i would sign some waiver and the credit bureau 's let that slide but when i told them that i was recording the call XXXX agent hung up on me and the other XXXX agents said they do not give me permission ... ... ..but they had to record me even though i refuse to give them permission ... ... it just never ends with them ... ... XXXX has already removed it due to unverifiable records and the company Chase says they sold it to XXXX has already removed it from all XXXX credit bureau 's with a very nice letter stating they it was unverifiable and ceased trying to collect ... ... Help please ... ... they refuse to ... .... attached PLEASE Find Documents from Chase themselves stating they do n't have the information cause they sold the debt ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Regarding my fico score.. For the last several months my fico score was XXXX with XXXX late payments reported on my credit bureau report. I disputed all XXXX lates because they were a result of bank error. Recently one of my creditors reversed the late payment reported to the credit bureau file and i now only have XXXX negative trade lines reported to my credit bureau file and as a result my fico score went down to XXXX. So to recap..my fico score was XXXX with XXXX lates reported and experian credit bureau dropped my score to XXXX with XXXX lates reported. So i called experian at XXXX on a authorized recorded phone line to find out why my score was lowered without any furthur negative trade line reported and the rep. Was not able to provide me with an answer at all instead reffered me to callXXXX for furthur assistance but the number is useless to me as it does not provide me with any assistance to my issue at hand. So now i dont know why my fico score was lowered and it deprives me of my rights to dispute the recent decrease of my score and without an explanation. I have a copy of the authorized phone call to experian but am unable to upload it here. Please contact me if you have any questions which i hope you will..its as if its backwards when a negative line gets reported the score lowers. But not when a negative line was removed and instead of XXXX negative lines you now have XXXX and it lowers your score. How does that reflect my financial character and history? Please help..it has placed my plans of applying for a business loan to better my families future on serious hold and i feel like there is nothing i can do.

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 2015-11-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a XXXX veteran who purchased a foreclosed home XX/XX/XXXX. Chase bought the loan the next month. By XX/XX/XXXX I already noticed problems with my loan. In New Jersey, i am property tax exempt, but chase paid the tax anyway. My township tax assessor contacted Chase, and was told the problem would be fixed. It has been 8 months now, and the problem has gotten worse. I should not have any escrow except for property insurance, but Chase continues to bill me for escrow shortages, even though both myself and the tax collector 's office have made numerous calls to various Chase departments. Even though I have faithfully paid the proper amount on my mortgage, Chase has applied these funds to the escrow, making me delinquent on my mortgage. My credit is getting ruined, and may face foreclosure if this is not corrected soon. I have been told I should start paying the mortgage plus extra escrow, which is an extra {$110.00} a month. I need help now to get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened the freedom credit card with Chase bank XX/XX/2014. I used the account once, but my account was compromised - with someone using my account at different points, once in XXXX, XXXX. The freedom credit card was linked to my checking account and Chase withdrew money to cover charges I did not make. They refunded some of the monies, but a portion is outstanding..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
After loosing my Camera, I call the number on the back on my card. They said my purchase is covered by purchase protection under the " accidental separation '' clause with my Ink card. Chase They said I must file a claim at XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX says under no circumstances are any " accidental separation '' covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2015 I filed a chargeback with Chase bank.  On or about XX/XX/2015 XXXX rejected the chargeback due to fraudulent statements made by the merchant.  Currently, the merchant still retains the XXXX in question by violating federal banking laws.  Sadly XXXX and chase bank are condoning white-collar crime and attempting to persecute the victim me.Furthermore, Chase Bank has threatened to report me as a negative banking and entity.  Inasmuch as it is not true it by itself would be a libelous statement.  This should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
credit card for XXXX rewards card was opened in my name. Called and had card cancelled, Chased put it down as identity theft. Would not give me any details from the credit application ( ISP, alternate mailing address, etc ). Have since received two ( 2 ) more notices from Chase that I was turned down for an XXXX rewards card. Notified them both times that I did not apply for one and they marked them as identity theft. Chase will not give me any details, have n't yet tried to call XXXX. Chase says they will not attempt to block any future applications, they have to process them. Issue started in XX/XX/XXXX. & XX/XX/XXXX, then XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received an email from Chase bank to apply for their new Ink business card and i will get XXXX bonus points I applied, and they denied the application because i have too many cards. 

If that is the case why did they send me an email inviting me to apply, and wasting my time?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am having a problem with Chase Card. They are reporting an inquiry to XXXX that was not authorized by me. Someone accessed my Amazon account and applied for an Amazon Credit Card. I have contacted XXXX and Chase card and neither company will remove this fraudulent inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I started a XXXX campaign for a friend that was in need and enough funds were raised to help him via this site and WePay. After the funds were delivered there were several charge backs from credit cards ; I believe that once sufficient funds plus extra were raised some decided to cancel their donations. The WePay site said that I owed them money and they were going to collect by auto withdrawing from my account. This morning I was negative in my account. My bank, Chase, allowed this to happen without my permission. I called them and complained severely. Saying that only I, and the Govt. are allowed access to my funds. I need help with this, and/or report them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I HAVE CONTACTED THE DEPT OF ED NELNET ON SEVERAL OCCASIONS. I HAVE ADVISED THEM THAT I NEVER TOOK OUT LOANS WITH THEM AND THEY STILL CONTINUE TO REPORT ON MY CREDIT REPORT THAT I AM 120 DAYS LATE WHICH IS NOT TRUE BECAUSE THEY GARNISHED MY TAXES ONE YEAR AND I HAD A OFFSET FROM THEM WHEN I ADVISED THEM THAT THE LOAN WAS NOT MINE. I HAVE CALLED SEVERAL TIMES AND BEEN TRANSFERRED WITH NO HELP. I HAVE EVEN SENT LETTERS ASKING THEM TO REMOVE THIS OFF MY CREDIT REPORT ESPECIALLY SINCE THEY GARNISHED MY TAXES FOR A FRAUDULENT ACCOUNT. I HAVE NOT GOT A RESPONSE AND ITS STILL ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX Bless,,, ,Im very concern about these medical bills that has my life a bit sour .... Iam XXXX,,, I 'm on XXXX/ XXXX ... .Before I became XXXX..I was on XXXX..Please overlook at this problem, I am trying to fix my credit, it is very hard when my income is counted for to pay my rent, vehicle, insurance, utilities, my child 's school,,,, such a small amount I recieve monthly,,,,, Please bare with me and consider removing those from my record,,,,, also for the XXXX I sent them the boxes two years ago,,,, and as of XXXX,, I have XXXX and I am paying faithfully every month,,,, my van 2004 XXXX XXXX XXXX,,, Iam the cosigner, my father is the XXXX signer,, though I am the XXXX paying the auto loan XXXX faithfully for the past 3 years it is not fair that I do not receive any kind of credit! please consider ... ..Thank you great fully and sincerely!! Hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Someone initially started using first name and social to obtain medical treatment. In the late 2011 's I had my identification including social card, insurance card for medical, and car and driver 's license stolen. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with Experian, XXXX, and XXXX over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, we 're in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Companies like XXXX are one in the same, but neither one can help I think me and XXXX Americans are being misled by the credit reporting agencies. Thank you for helping me ~ 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