vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a joint checking account with my husband with Chase Bank. My limit for deposits using the Chase app is {$7500.00} per month. My husband 's limit for the same account is 7-10 times my limit, depending on the day and activity ( currently $ XXXX ). I have complained about this for months and get answers from Chase that there is nothing they can do and, basically, that the computer sets the limits. I don't care that my husband 's limit is so high ; I simply want a limit that is reasonably for the checks that I want to deposit. I receive a lot of checks during the months of XXXX through XXXX and {$7500.00} is too low. I believe it's a form of discrimination because of the huge difference in our limits when my husband and I have been customers of Chase Bank for the same length of time ( which goes back to when the bank was Washington Mutual ). I am tired of hearing that there is nothing they can do. I have called the executive office and have not received any satisfaction ; in fact, I received a basic form letter yesterday that they have no control over the limits ( copy attached ). I don't believe that to be true. Someone sets up the computer algorithms. The bank doesn't like to hear me claim discrimination but there appears to be no other reason for the difference in our limits. I want to be able to deposit checks that I earn during a period of time and I should be able to do that. ( I know my husband can deposit the checks when I am over my limit but I want to deposit the checks that I earn and I should be able to do that )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On or about XX/XX/2023 I called XXXX XXXX and informed one of the representatives that I no longer wished to share my nonpublic information with XXXX, XXXX, and Experian. The representative informed me that I can not limit the sharing of my information, however I informed the representative that pursuant to the Gramm Leach Bliley Act a consumer/ customer can opt out of having their personal nonpublic information disclosed to by opting out. The representative responded stating that she understands my concern but I can not limit the sharing of my information once again. The call ended and I typed a notice on or about XX/XX/2023 and sent it to XXXX XXXX. In this notice it contains this same request and I'm requesting for XXXX XXXX to stop sharing my nonpublic information with XXXX, XXXX, and Experian.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/23 I inadvertently purchased counterfeit silver coins. The XXXX merchant used a fictitious U.S. address to infer creditably. Upon determining said coins were fake I contacted FBI who referred me to local police dept. & I filed a report ( XXXX XXXX, Fl. XXXX. Synchrony Bank, dba PayPal Credit refuses to secure said report & accordingly isnt attempting to recoup {$220.00} from their banking contact, as per Consumer Credit Act. Theyve disputed charge only to bill me again ; please help! Thank you

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
On XX/XX/XXXX I was out of town for work with no car and I got hungry, so I ordered food from XXXX through XXXX. Upon arrival of the food, I discovered the steak was too raw for me to eat. I was afraid I would get sick if I ate it. I tried at least 5 times to call the restaurant itself and never got through. So, I called Chase to make a claim and they gave me my money back. Yesterday ( XX/XX/XXXX ), I went to get myself something to eat at the end of the day and my card declined. When I went into my Chase account, I discovered that two months later, with no warning or anything, they decided to take all that money back out of my account, leaving me hungry and with only {$1.00} to my name when I should have had {$100.00}. I called them today and talked to the claims department and she told me there was nothing they could do because I didnt return the food. As I said, there was no way for me to because I didnt have transportation and I couldnt get a hold of them. Now I am stuck here with no way to eat and no way to earn money because the only way I was earning money was through XXXX and now I cant even afford one gallon of gas. This is not right. Not right AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
In XX/XX/2023, I received a letter from " CCS '' to collect some debt that I did and do not recognize as something I owe. The same day I faxed them a debt validation request and got a notice that fax was successfully delivered to their posted fax number XXXX. However, it is not XX/XX/2023, and I still have not received debt validation information and I noticed they reported the collections to a credit reporting agency without ever notifying me or validating the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE REMOVE THESE INQUIRIES 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
PLEASE REMOVE THESE INQUIRIES 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 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-22 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: MI

Complaint narrative:
As a XXXX XXXX XXXX XXXX and identity fraud, I've written several letters to the credit bureau explaining my situation and have sent proper proof of my victimhood. The bureau continues to ignore my case without investigation. The information is false, inaccurate and needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
The courthouse didn't do anything but instead they said there wasn't anything that they could do for me. They wouldn't provide a letter or anything. All 3 credit bureaus are reporting these as bankruptcies and it's hurting my credit drastically.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
The courthouse didn't do anything but instead they said there wasn't anything that they could do for me. They wouldn't provide a letter or anything. All 3 credit bureaus are reporting these as bankruptcies and it's hurting my credit drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NC

Complaint narrative:
I created a dispute with Cash app on XX/XX/2023 for incorrect amount. Per regulation e, a temporary credit or resolution must be provided in ten business days. Today XX/XX/23 is day ten, they have not given me any updates or a credit and when asked are refusing to address or provide a status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: MO

Complaint narrative:
Hello. I noticed on my new credit card that I had an option to check my credit report. I found that it showed I owed {$6500.00} to ED Financial. I have never heard of ED Financial nor did I know anything about this debt. I contacted my parents who advised the only student loans we had were with XXXX XXXX and they were paid off years ago. I started XXXX XXXX in 2016. I contacted my school, Student Aid.gov and ED financial. My school said my school loan debt has been paid off. Student Aid.gov said they show we owe this along with ED Financial. I have never received ANYTHING from ANYONE about this debt. It has been 8 years and I only found out about this from pulling my credit report. This is not right. You can see on my XXXX XXXX that payments were made each month and now paid off. We would have done the same on this loan if I would have know about it. Please help me. If I owe it, I will pay it but I don't feel that I should have any interest accrued since I didn't know about it and no one can provide me with any documents. Why wasn't anything sent to me in 8 years? My parents haven't moved, phone numbers haven't changed! My twin brother XXXX XXXX apparently has the same debt who just received for the first time in the mail something from XXXX. He will be sending the same dispute to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My consumer rights are being ignored and violated. I have tried to resolve with the company but to no luck. I am attaching how I feel my rights have been violated with the dates and verifications to have this resolved. Thank you

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Someone opened a credit card using my identity back in XX/XX/2023. The card was for XXXX XXXX and issued by General Motors. I filed a dispute online with all 3 credit bureaus back in XXXX once I saw the fraudulent account. After they investigated, they reflected the card was closed by grantor. Now, they my credit score is tanking because they're reporting that I'm 60 days late on payment for it! I did not initiate application for that card whatsoever! How can my credit be ruined by a closed account that wasn't mine in the first place?! My scores were in the low XXXX 's! Now their in the XXXX 's! Please look into this as it's killing my excellent credit. I'm XXXX XXXX XXXX and have excellent credit. I want the bureaus to restore my reports to what they were prior to the reporting of that fraudulent account. Thank you kindly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I requested a pdf copy of my fully executed note, deed, and final closing disclosure. XXXX and Mr. Cooper refused to provide the information.

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 2023-09-22 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendKey Technologies, Inc.
State: GA

Complaint narrative:
Dear CFPB, LendkeyXXXX XXXX XXXX XXXX is not adhering to the protection order for credit reporting under the statute below, SEC4021 Credit Protection During Covid-19. I filed several complaints with CFPB about my forbearance request when I was laid off during the pandemic. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 

Credit reporting Were required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX  SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the XXXX - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NC

Complaint narrative:
I began the process of applying for the SAVE plan via studentaid.gov at least 2 months prior to the repayment begin date of XX/XX/23. As of XX/XX/23, they still have not completed the request. I submitted at least 2 applications via studentaid.gov and 1 through Edfinancial 's website. They kept denying my application incorrectly stating I needed updated proof of income ( I both gave the access to my tax return via the IRS process AND uploaded my '22 return on their website ) and they said I had to call and request to be removed from IBR and make a {$5.00} payment. This is an unnecessary burden b/c the studentaid.gov site allows you to request to be removed from IBR and pay a reduced pay forb payment of {$5.00}. It took a complaint to FSA to get them to process the app ( amazingly enough, they did have what they needed to process after all ) but, of course, they did it wrong. They used a household size of 2 instead of 4 as indicated on allll my applications and tax returns. So I told them to reprocess, which they have yet to do and the due date is a week away. These companies are not equipped to service these loans. I already caught them adding on {$43.00} in interest which took escalated complaints to FSA to get them to understand and resolve.

Company response to consumer: Closed with explanation