vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
On XX/XX/2021 I sent a request for validation of on a vehicle loan under FACTA section 312 and was sent back the contract and letter with a settlement offer of XXXX. Then I sent another dispute on XX/XX/2021 requesting a UCC DEFICIENCY letter requesting additional information which is attached as well. You can not request me to settle a debt without providing me with the deficiency information informing me Presale Notice, Post Sale Notice the cost and if a letter was even sent to me of the default notice. If Nissan can not provide me with these documents that they sent AT THE TIME, then legally they can not continue to report or collect on this debt. If this is not removed from my report I will next have to file a complaint with my local attorney 's general 's office and take things further if need be. Attached please find the disputes that were sent. Please DO NOT continue to send me a contract agreement this is not sufficient enough to prove that you all have done your part with me as a consumer. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I have a personal loan through upgrade.com. I authorized my monthly payment to come out of my checking account on XX/XX/XXXX. My monthly payment is XXXX and I made a larger payment in XXXX of XXXX so my monthly payment was XXXX for XXXX. Upgrade took this monthly payment and then took an additional XXXX on the same day. When I called to get my money returned they refused to return my XXXX but the lesser XXXX that I authorized and would not refund the amount that they fraudulently stole from my account. I was told the money would be refunded in 2-4 days on XX/XX/XXXX. I spoke with a representative on XX/XX/XXXX when the money was not refunded and was lied to again and told that the funds were released and would be deposited on the XXXX. When I called on the XXXX after no refund is issued I was told the previous representative misspoke and the funds were released on the XXXX. Today is XX/XX/XXXX and now not only have I not gotten my XXXX refunded but my pending debits have overdrafted my accounts. I have tried to call the loan department and sat on hold for 2 hours with no answers. I just want my money back and the XXXX dollars I was charged in overdrafts to be refunded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25 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: Williams & Fudge, Inc
State: AL

Complaint narrative:
Collections company reporting for student loans from XXXX XXXX  after I called and dropped classes before the date due to having XXXX XXXX. I did not return back to school and terminated all classes for all semesters. The school is fraudulently charges me and sent me to collections improperly and unfairly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/XXXX I opened a business account with Chase Bank located on XXXX XXXX XXXX, XXXX, SC XXXX after receiving an email offering me {$300.00} if I opened a business account and kept at least {$2000.00} deposited for 60 days, and made at least 5 transactions using my debit card.

After not receiving my debit card 7 days later I returned to the bank to make an inquiry as to why, and the bank representative checked my address to make sure that it was entered correctly and it was. At the same time I had entered the wrong passwordon its online banking and had been blocked out. The representative tried to reach a representative on the phone, but it was over a 15-minute wait, so I told him that I would call myself to correct that, thinking that might be the problem. I could not get an agent to answer the phone without being on hold for longer periods that I could remain on hold until several days later. 

When I was finally able to reach someone at XXXX I was asked what " kind '' of business did I have since I listed several options including : consulting, editing, and publishing. The representative stated that it would be better to list it just as publishing. I told her okay and expected that all was clear and that I would receive my debit card within the next 7 days. I did not. What I did receive was a letter stating that there was a problem with my account and also a text stating that if I didn't return their call by XX/XX/XXXX that my business account would be closed. I left on a 7-day vacation to XXXX on XX/XX/XXXX and was not scheduled to return until XXXX on XX/XX/XXXX, so I texted them my inteniary to show that I was out of the country and informed them that I would return their call the next day. 

After not being able to get anyone on the phone the next day, I went back to the bank and spoke with the agent again. He called in the branch manager and she was able to contact them and got my online banking finally restored and I was informed that the original card that was shipped out, that I never received, was cancelled, and that he ordered another card to be shipped out expeditiously and that I would receive it no later XX/XX/XXXX or XX/XX/XXXX. Today is XX/XX/XXXX and I do not have time while running my business to continue to keep calling or going to the bank, when apparently they have not been of help. 

Honestly, I'm beginning to feel like this was some sort of hoax to get business owners to add cash assets to their banking institution. One of my sisters had a similar issue with another bank, and she told me she had to contact you for help, and suggested that I do the same. I hope that you can help me. If I doo n't make 5 transactions by I believe XX/XX/XXXX by using their bank debit card I will not receive the {$300.00} promised to me. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOK FINANCIAL CORP
State: CA

Complaint narrative:
We wrote a check in 2019 that never cleared our checking account. We contacted the company the check was written to 6 months after we wrote it and they said we did not owe them anything so we stopped accounting for the check. More than two years later our bank, XXXX XXXX XXXX XXXX received the check from the Bank of Oklahoma and paid the check without contacting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: AmeriCollect
State: PA

Complaint narrative:
Americollect Inc. Account # XXXX, Account # XXXX I sent Americollect Inc. a dispute about the violation of 15 USC 1681b ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I DID NOT GIVE AMERICOLLECT INC. WRITTEN INSTRUCTIONS TO REPORT TO MY CONSUMER REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: Synovus Bank
State: MS

Complaint narrative:
Dear CFPB, I have a Secured Credit line with, First Progress Card XXXX XXXX XXXX XXXX XXXX, TN XXXX First Progress has currently charged me a {$29.00} late fee for a check they arbitrarily cashed after the due date. The check was dated and sent well before the due date, which was held by First Progress after the corresponding due date, resulting in a late fee. 

I contacted my bank XXXX XXXX, and had a Good Will / Good Faith Letter sent to First Progress. I also had a conference call with my bank and First Progress where my bank verified the check 's date was dated and sent before the due date, which they refused to honor. My bank has refunded me the XXXX dollars late fee payment, but I would like to go further with seeking action against First Progress, by not complying to United States Regulations. 

My Bank is... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McKenzie Paul & Associates
State: AZ

Complaint narrative:
Back in XXXX I had an XXXX XXXX that required the rental of a passive motion device and a sheepskin pad. At the time I thought that my health insurance had covered the charges, but a year and a half later I got a bill ( XX/XX/XXXX ) in the amount of {$100.00}. I was still trying to sort out the details of the charge with my insurance company and XXXX XXXX, the company that provided the passive motion machine, when I received a letter from Mckenzie Paul and Associates requesting immediate payment otherwise my account would be reported to credit bureau. I then contacted XXXX XXXX and paid the {$100.00} on XX/XX/XXXX directly to them and they told me that they would remove the debt. However, I continued to receive letters from McKenzie Paul and Associates and harassing phone calls. The last call I received from them was in XXXX. I told them to stop calling me and sending me letters because the debt was already paid. They demanded to get a check # or the number of the credit card I used to pay. I told them that they needed to contact XXXX XXXX and that I would not provide them with that information. I also told them to stop calling me or I would report them to the CFPB. I am still receiving letters in the mail trying to collect the {$100.00} that I have paid.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a check from XXXX to the checking account I had with BMO Harris Bank. After a few days, the balance reflected that the check had been deposited into my account, so I transferred some funds out of that account. Then, after a few days, when I logged into my BMO account, I noticed that the check was returned and my account balance went to negative because of that. And I was charged a " returned check fee ''. I suddenly transferred some funds into that account to avoid the balance being negative. After the funds got settled, my checking account was closed by BMO Harris Bank. I called them to return the fee that they charged and the customer service representative said that due to my account got closed, it's difficult for them to see the transaction history, but she promised me that they will contact me about returning the " returned check fee '' in the next 72 hours. However, I have never heard back from them so far. 

Firstly, it's XXXXXXXX XXXX decision to issue me a new check and void the check I deposited into my checking account with BMO Harris Bank. Secondly, why BMO Harris Bank allowed me to transfer the funds out even if the funds were not fully settled? I wouldn't know the check would be returned. Thirdly, BMO closed my account without any proper or prior notification and I have no access to my statements and transaction history any more. And BMO failed to resolve the fee issue.

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 2021-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good Afternoon, I tried to reach the credit Bureaus by letter and they have not answer me, there is incorrect information on my credit report and they do not update the incorrect information and did not provided any kind of information back to me. I'm starting to feel very frustrated at this point. I hope you can help me and find a resolution.

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 2021-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On : Friday XX/XX/2021, I try to get a Receipt of how much Balance I have on my Checking Account. I couldn't get it, 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 2021-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Lending Club Corp
State: MA

Complaint narrative:
I had XXXX, XXXX and XXXX stolen from my XXXX  debit card and I cant get XXXX  to return my money to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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 — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
I was trying to order a XXXX for apple And had to set up a Apple Card Application, I was denied for my identification, I figured out why and tried to change and it it was declined again for trying to correct my error and it says I have tried to many times now, and I just want to clear it up so I can get my application approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Harley Davidson Financial Services Inc
State: SC

Complaint narrative:
While validating an account this company sent me a letter saying that they simply saying they are not required to investigate because they did not receive sufficient information, which is false. I sent a letter with my information. While monitoring my credit report month-to-month I noticed this company did not submit the notice of dispute with XXXX but reported supposed for the month, which I know is a violation according to section 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft .This credit agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I submitted a dispute because the collection item in question took place during COVID when I lost my job and had to go back to school. I was also on unemployment during this time. Experian allows disputes for this reason. Despite furnishing this information ( and unlawful practice by the collection agency ), Experian has refused for over 12 dispute cycles now to remove the item from my account, leaving me no choice but to pursue complaints with state attorney generals in both my state and the state in which the collection agency sits, naming Experian as a party to the complaint. Fortunately the FCRA has a fee-shifting provision because this has escalated to that level.

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 2021-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/2021 around XXXX XXXX PST I easily opened accounts at both XXXX and XXXX. My intention was to place a security freeze on my files for my credit protection, and to do nothing more. I had NO difficulty doing this task at both agencies. However, at Experian, I gave all the information their web site demanded ; current address, soc. sec #, etcetra and I THOUGHT I opened an account, but when I finally found the link to place a security freeze on my account, a message came up that Experian was " unable to honor your request to place a security freeze on you personal credit report ... '' In this message they then demand that I MAIL sensitive information to them to prove that I am the person wanting to protect my own credit. That is rediculous and I refuse to do it!!! I don't even know if my account was activated or not? The usernames, password, security questions I created, all for nothing? What is the point? I am not trying to obtain credit information from them. I am simply a consumer who wants to take a proactive step and protect my credit.

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 2021-09-25 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: FL

Complaint narrative:
1.XXXX XXXX XXXX XXXX open XXXX XXXX, account # XXXX, amount {$210.00} 2.XXXX  account resolution-account # XXXX, date open XXXX XXXX, amount XXXX XXXX XXXX XXXX XXXX-account # XXXX, date open XX/XX/XXXX  , amount- {$3000.00} 4.XXXX XXXX XXXX- account, date open XXXX, account number XXXX, amount {$1200.00} 5.XXXX XXXX XXXX XXXX, date open XXXX, account number XXXX, amount {$240.00} 6.XXXX XXXX XXXX XXXX , date open XXXX, account number,XXXX, amount {$860.00} 7.XXXX XXXX XXXX, date open XXXX XXXX account number XXXX 8.XXXX XXXX date open XXXX, account number XXXX, amount {$3000.00} 9.XXXX Account, date open XXXX, account number XXXX, amount {$3000.00} 10.XXXX, date open XXXX, account number XXXX, amount {$860.00} 11.XXXX, date open XXXX, account number XXXX, amount {$980.00} XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX : Inquiry date XXXX XXXX XXXX XXXX  ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX  XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXXNQUIRY ; Inquiry date XXXX XXXX ; XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX-Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX-Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date ; XXXX XXXX  ; Inquirydate XXXX XXXX ' XXXX XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date 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