vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My monthly rent is {$3000.00} and my landlord prefers to receive rent payments via XXXX. My existing checking account ( with a different bank ) has a daily XXXX limit of {$2500.00}, so I searched around and found on Chases website ( https : //www.chase.comXXXX ) that, From Consumer Chase checking accounts, you can send up to {$5000.00} in a single transaction. This is the sole reason I chose to open this account with Chase. 

Unfortunately, after opening and funding the account, I attempted to send my rent payment and received an error stating that my limit is {$2000.00} per day. I called XXXX but XXXX directed me to call Chase ; I called Chase but was told this is determined by XXXX so there is nothing that can be done. Upon further investigation, I noticed that the XXXX Service Terms ( PDF ) linked from the Chase website ( just below where it states the limit is $ XXXXtransaction ) actually states an entirely different limited. In the Transfer Limits section, the linked PDF ( available here : XXXX XXXX XXXX # XXXX ) states that the per-transaction and per-day limit is just {$2000.00} for consumer Chase accounts, rather than the {$5000.00} figure shown on Chases website. 

So, which is it? {$2000.00} or {$5000.00}? If it is {$5000.00}, I need Chase to correct my artificially low limit so that I can use this account for the purpose it was created, which is to send my rent payments in {$3000.00} increments. 

I am very upset at the misleading marketing that advertised a {$5000.00} limit that appears to be a lie or is at best is a theoretical possibility. No one at Chase has been able to tell me when, if ever, my {$2000.00} limit will be increased, so advertising a {$5000.00} limit is manipulative. Again, the {$5000.00} limit is literally the ONLY reason I opened this account with Chase. It is important that this get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted.

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal XXXX please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

Reference lD : XXXX PayPal XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : UPSTART NETW | XX/XX/XXXX : Account number : N/A, Untimely. Fix the account number and send a full report. 

XXXX | XX/XX/XXXX : Account number : N/A, Untimely. Fix the account number and send a full report. 

XXXX XXXX : Account number : XXXX, Untimely. Fix the account number and send a full report. 

XXXX | XX/XX/XXXX : Account number : N/A, Untimely. Fix the account number and send a full report. 

XXXX  XXXX : Account number : XXXX, Untimely. Fix the account number and send a full report. 

XXXX XXXX : Account number : XXXX, Untimely. Fix the account number and send a full report. 

XXXX XXXX : Account number : XXXX, Untimely. Fix the account number and send a full report. 

XXXX  XXXX : Account number : XXXX, Untimely. Fix the account number and send a full report. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX, I received a text from Chime asking if I had authorized a {$900.00} charge at XXXX XXXX XXXX. I immediately texted back " NO ''. They replied " Thanks for your response. Your debit card has been restricted and a representative will be in contact with me shortly. 

On this same day at XXXXXXXX XXXX XXXX, I received a call from Chime Financial XXXX, they asked me to verify my mailing address as they would be sending a new card out to me and since the one I had was compromised. He was a male representative from what I could tell. He also stated that my account had been duplicated so the funds were being moved to the new account. It didn't sound right. So I hung up and called the same number that had called me, and I spoke with another Chime representative who stated that the call must've been fake and someone " tricked '' me. When I went to look at my accounts, both the checking and savings had been drained to {$0.00}. Although the number had originally came from this same number that I had dialed, the representative told me that all he could do was file a dispute on my behalf. 

I checked my account the next morning, and both savings and checking were at a {$0.00} balance and I had an update stating that my dispute had been declined and that there was nothing further that they could do to assist me unless I provided additional documentation for them. I sent them a copy of the text message that I had received asking about the attempted purchase, the call log that shows that I received an incoming call from Chime initially, I also sent a copy of a filed police report. Once again, my claim was denied within 30 minutes. I called back and asked to speak to a supervisor who told me that once was a dispute was declined that there was nothing else that they could do for me. I am not out of {$1300.00} and Chime Financial is not willing to accept any accountability at all for the charges. The transaction memo also states that I paid someone named XXXX XXXX, whom I have never heard of ... and the reason for the transaction was listed as " Chime Reversal Payment ''. I also attached an email that states that they sent me attachments to show how they made their decision and nothing was attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, I tried to deposit {$5000.00} ( all {$100.00} bills ) into Chase ATM ( XXXX XXXX XXXX XXXX, XXXX, WA ), but after I put the cash into the ATM, it showed " There are some errors with the ATM. The transaction couldn't continue '' and I got a receipt. I inserted the card again and wanted to resume, but the ATM said it could not work now due to some issue. 
I went to the nearby Chase branch immediately. Chase clerk XXXX helped us file the issue to the Chase system and promised I would get {$5000.00} credit on my account in XXXX business days. I got the credit 5 days later. 

However, on XX/XX/XXXX, Chase reverted a large amount of the credit- {$4900.00}, and sent me a letter that only {$84.00} could be honored. I went to the same branch on XX/XX/XXXX and asked for an escalation of the investigations, but XXXX kept the same response for the escalation. Also, I filed a complaint to XXXX 's customer satisfaction department. On XX/XX/XXXX, the XXXX XXXX department kept the same response for this investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
THIS COMPANY HAS FAILED TO FIX MY RESTRICTION I GAVE THEM A UTILITY BILL AND MY FRONT AMD BACK OF ID AND THEY ARE STILL REQUESTING OTHER CONFIDENTIAL INFORMATION THAT I FEEL THAT IS NOT SAFE THIS COMPANY HAS ALREADY HAD A DATA BREACH AND THEY CONTINUOUSLY ASK FOR OTHER CONFIDENTIAL INFORMATION AFTER ISSUING THE CARD WHY NOT ASK FOR THIS INFORMATION BEFORE ISSUING ME A CARD ALSO THIS COMPANY HAS BEEN SUED FOR THE XXXX XXXX DOLLAR DATA BREACH I WOULD LIKE THIS COMPANY TO FIX MY ACCOUNT ALSO THEY WANT ME TO MAKE A PAYMENT WHEN MY ACCOUNT IS RESTRICTED BUT I CANT USE IT I FEEL LIKE THIS COMPANY IS SELLING US CITIZENS INFORMATION TOO THIRD PARTIES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: AZ

Complaint narrative:
I made an account with Dave. In XXXX, I made a purchase through this account with XXXX The items purchased were never received, only being explained mysteriously as lost in shipping. XXXX now will not respond to my emails asking for a refund or store credit, and they have locked me out of my account on their website. 
Dave have since closed my account as well in reaction to a question about this transaction. My communications with Dave have ended up with little more than we can not assist with closed acounts. 
Now I have a merchant which will not refund several XXXX dollars, and a bank that refuses to help after shutting my account simply for inquiring on the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
XXXX XXXX XXXX is continuing to share my information even after notifying them that I opt out of doing so. XXXX XXXX XXXX and Transunion both share a mutual financial relationship due to Transunion making a profit off of the sell of my nonpublic financial information being supplied to them by XXXX XXXX XXXX. Since this is my financial information they are sharing both were obligated by federal law to provide me with opt out notices in a timely manner to ensure I had the right to say no to my information not being shared. This breach of duty has caused me significant harm seeing that my information could have been potentially obtained by breaches. Furthermore I am entitled to some of the proceeds from the sell of my information as it is my nonpublic information and m name which is my intellectual property that you both are misusing and could face damages for.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
These Accounts have violated my rights According to FCRA. 1 ) CERTIFIED BUREAU OF. 2 ) XXXX XXXX XXXX XXXX. 3 ) XXXX XXXX XXXX DBA.THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
New American Funding is continuing to share my information even after notifying them that I opt out of doing so. New American Funding and XXXX both share a mutual financial relationship due to XXXX making a profit off of the sell of my nonpublic financial information being supplied to them by New American Funding. Since this is my financial information they are sharing both were obligated by federal law to provide me with opt out notices in a timely manner to ensure I had the right to say no to my information not being shared. This breach of duty has caused me significant harm seeing that my information could have been potentially obtained by breaches. Furthermore I am entitled to some of the proceeds from the sell of my information as it is my nonpublic information and m name which is my intellectual property that you both are misusing and could face damages for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I been trying to make my XXXX and XXXX payment since XXXX XXXX and I cant get a hold of anyone lines are down, emails arent working. Im going crazy. I dont want to loose my house. I saw in news, social they have been down due to attack. Its XXXX that makes XXXX payments and I can not loose my house I have been trying to make the payments. Call every day, I cant log in, Im just going crazy.

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