vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My girlfriend sends me {$880.00} to my Chase Checking each month via XXXX through her bank XXXX XXXX XXXX  ) for household expenses. Although both institutions support immediate XXXX payments, Chase doesn't credit my account the day of the transfer ( usually around the XXXX of each month ), and instead credits it about four days after the date of the transfer. 

After several secure messages back and forth with Chase, who gave non-helpful answers such as my GF 's bank may not support immediate transfers ( they do ) or that I should contact XXXX directly for resolution. So I contacted XXXX and they can only help if the payments are scheduled directly through them and not one their participating banks. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: IL

Complaint narrative:
On XX/XX/XXXX I requested a refund from the loan servicer EdFinancial for all payments made after the payment freeze of XX/XX/XXXX. They failed to provide any confirmation statement, timeline, update to my balance on the EdFinancial portal or provide timeline on when refunds would be disbursed. I called up again on XX/XX/XXXX to inquire about my refund to which they stated there was no request. This is completely unacceptable as most lenders have been issuing refunds with in 30 days and have sort of confirmation that the request was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
Pursuant to my rights under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws, I formally notify you to cease all communications with me regarding this alleged debt or any other alleged debts that you claim I owe. This debt does not belong to me, so cease all communication. Including any negative reporting to credit companies, as that is also communication to me through an alternate outlet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Pursuant to my rights under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws, I formally notify you to cease all communications with me regarding this alleged debt or any other alleged debts that you claim I owe. This debt does not belong to me, so cease all communication. Including any negative reporting to credit companies, as that is also communication to me through an alternate outlet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor ( XXXX  ) violated my rights on XX/XX/2022. By using a collection company called, AMSHER COLLECTION SERVICES, to solicit {$290.00} from me. Code 15 USC 1681 section 602 states I have the right to privacy, under code 15 USC 1681 SECTION 604 A section 2, a consumer reporting agency may not furnish an account without my written instructions. Under code 15 USC 1666B A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. Please remove this collection account from my credit reports. 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 2022-10-10 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-10-10 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received an inquiry on XX/XX/2022 from { XXXX } On XX/XX/2022 and XX/XX/2022 as well as XX/XX/2022 I submitted Written evidence as well as documents showing that the information that is being reported is incorrect I am not familiar with this inquiry 100 % no accurate chamges have been made to my report since I have submitted this evidence

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 2022-10-10 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: GA

Complaint narrative:
I received an inquiry on XX/XX/2022 from { XXXX } On XX/XX/2022 and XX/XX/2022 as well as XX/XX/2022 I submitted Written evidence as well as documents showing that the information that is being reported is incorrect I am not familiar with this inquiry 100 % no accurate chamges have been made to my report since I have submitted this evidence

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 2022-10-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-10-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my consumer report on XX/XX/2022 I noticed multiple accounts that should not be on my report. Pursuant to Title 15 USC 1681 ( a ) ( 2 ) Exclusions : a consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Furthermore, according to 15 USC 1681 ( a ) ( 2 ) A detailed mechanism must be created to perform an investigation determining the credit worthiness, credit standing, credit capacity, character and my overall reputation. They have failed to comply with these consumer laws I have the evidence to prove their negligence. I also requested a copy of my investigative consumer report and they refused to provide that 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 explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is staring medical debt is owed to University of Utah for care but amount is over {$17000.00} I had insurance at the time and don't see any of it being billed through either policy I had. Even with insurance I wouldn't owe that much because I had an out of pocket max. I have no bills from Uof U or I would've set up on a payment plan as I have with all other medical accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Here is my actual score from XXXX ... XXXXAmerican Express XXXX and said it was XXXX when the actual score is XXXX... here are the direct notes from XXXX ; XXXX XXXX XX/XX/2022 XXXX GOOD XXXX POINTS XXXX XXXX See what's changed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Collins Asset Group, LLC
State: CA

Complaint narrative:
I was giving a {$25000.00} cash loan which is now {$29000.00} plus from XXXX XXXX  ( who was funded by XXXX bank ) in XXXX. XXXX XXXX sold my account to Collins Asset Group. I have been calling Collins Asset group monthly and at times weekly since XXXX of XXXX to pay loan off in full. No settlement, and they refuse to take the payment stating that they do not have enough information to take my payment & they suggest I call back in a week or XXXX to see if they files have been updated ( this has been going on for over XXXX years. ) They do not fail to report me to collections on the XXXX of every month to the XXXX credit bureaus. I have been denied a home loan due to this account. I have literally been going in circles begging them to take my payment and mark it as satisfied. This has caused mental agony on my end. This is an attempt to pay off a debt in full, including the interest thats building due to them not taking my payment in full. I have no other options as to what to do at this point. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Can not get access to online account due to trouble on Barclay 's end. I have been trying to gain access for XXXX months.

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 2022-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Choice Recovery, Inc.
State: NE

Complaint narrative:
Company has called at all times of the morning and night i have requested them to stop calling they then resorted to calling my work phone which was absolutely unacceptable i also told them not to call back and they have continued

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 604a ( 2 ), it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Last Tuesday I was notified that Chime had detected suspicious activity with my account via email. Since they did not detail what the activity was, I called and was told after talking to multiple agents and supervisors that there was a pandemic payment assistance program ( something I had no knowledge of, and had never participated in ) was trying to make a deposit into the account. 

They subsequently locked, suspended and closed my account within the span of less than XXXX hours. I was then told that none of the funds I had already in the account would be returned to me. This has caused me a huge amount of distress not only because I had {$1000.00} in my savings ( now closed and unable to be accessed ) but my payroll check this week was also disrupted and now I am unsure as to whether I will receive it now at all. 

Chime has also stopped answering phone calls and they are no longer communicating by email, so I have no way of knowing what is going on or what the status of this issue is. They continually refuse to communicate and when I was able to talk to someone at the beginning, I was sent on a never ending circle of hearing the same thing- no help is offered. there is nothing they can do, etc. 

I would like all of my funds to be returned to me whether that is by Chime unlocking the account, or by sending me a check in an expedited manner. All of the funds that were in there are funds I had personally worked hard to save over the last few months starting a new job. I am now stuck with no way to buy gas or groceries or pay my bills due to this action by Chime. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transaction is not information related to any transaction by me the consumer. 

DELETE OR BLOCK THE FOLLOWING INQUIRIES : XXXX, XXXX XXXX You are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Atlanta Check Cashers, Inc
State: GA

Complaint narrative:
" I received a paycheck from my employer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ) on XX/XX/2022 in the amount of {$1000.00}, which I took to Atlanta Check Cashers ( " ACC '' ) and cashed without issue on XX/XX/2022. I later received a threatening notice from Atlanta Check Cashers that the check from my employer had been dishonored due to insufficient funds, and that I would be subject to " criminal prosecution '' unless I paid ACC back, plus {$53.00} in fees. I told XXXX  about the notice, who advised that they would correct the issue with ACC. 

One month later, assuming the issue was resolved, I returned to ACC to cash an unrelated check for my tax refund. Instead of notifying me that the issue with the previous check had not been corrected, ACC withheld the full amount of the previous check plus fees ( {$1100.00} ) from my tax refund check without giving me any notice or an opportunity to take my tax refund check elsewhere. 

Since that time, I have requested in person and in writing that ACC return the amount that it wrongfully withheld and instead pursue the party who actually wrote the check. My attorney has written a letter and spoken with ACC 's representatives, who have refused to return the wrongfully withheld amount. '' XXXX XXXX XXXX XXXX XXXX XXXX with permission, on behalf of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
As part of the the XXXX | XXXX administration forgiveness program, I called MOHELA on XX/XX/XXXX to receive a refund for all payments I made during the COVID payment pause. The transaction was simple enough and I was told to expect the refund within 30 days in the same manner I made payment ( electronically ). On or around XX/XX/XXXX, I called for a status of my refund and was told that it was processed and again would take 30 days to receive from the initial request. After still no updates to my MOHELA or Student Aid account, I called MOHELA for a third time on or around XX/XX/XXXX. After a XXXX wait to connect with customer service, I was told that it was processed, but now it was going to take XXXX days from my initial request. 

I'm getting updates from others whose loans are serviced by other servicers like XXXX XXXX and XXXX, who made their requests around the same time or after I did, who have already started receiving their refunds back. I need to get this issue resolved so that my account will properly reflect the correct balance when I am finally able to apply for forgiveness. There doesn't seem like there should have been any reason to get my refund to me when I made the request so early on in the process. I appreciate any assistance that can be provided by CFPB or MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I called State Employee credit union in XXXX  2022 so that I can set up a reoccurring minimum payment to avoid being late. The person I spoke to set up a set payment of {$600.00} per month instead of the minimum due. I was over on the balance so as a result the minimum due was {$780.00} that month. I was not aware because I was out of town working and didn't think I needed to look at the bill because it was supposed to be paid automatically. I later found the problem when I called. I was told someone would call me back and when they did not 2 weeks later I began calling. I spoke to someone who told me they could not correct it even though it was a credit union error. They never asked for my account info so I know they were not trying to help me. I later called and spoke to someone at the branch who looked and let me know what the error was and unfortunately the Fair Servicing department at the bank would not correct the issue even though the bank verified that it was a problem. I spoke to the VP XXXX XXXX and XXXX XXXX and they would not remove the lates from my credit. I received a letter from the bank stating that it was a error but their hands are tied and they can not do anything. As a result I was trying to refinance my property and was denied because my scores dropped almost XXXX points and I was in the path of XXXX XXXX and I applied for assistance because my property was damaged and I lost income and I can not even apply because my scores are low. When I spoke to XXXX XXXX he didn't even have the facts correct but seemed like he was trying to be correct instead of doing the right thing. I lost income and I am struggling if I loose my home and businesses this will not be right. I didn't do anything wrong the credit union did and I have a letter to prove it. Please help me.

Company response to consumer: Closed with explanation