vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-20 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: IL

Complaint narrative:
EdFinancial has been unresponsive with handling my repayment plan update application, XXXX loan forgiveness application, and request for status updates. 

XXXX : XX/XX/XXXX : XXXX Loan Forgiveness Application submitted to Edfinancial. Response received, stating " Please allow approximately 30 business days for processing and we will notify you if anything else is needed. '' XX/XX/scrub>XX/XX/XXXX : SAVE repayment plan application submitted through studentaid.gov, which should was sent to Edfinancial. 

XX/XX/scrub>XX/XX/XXXX : No response or update about the XXXX Loan Forgiveness Application or SAVE plan application. 

XX/XX/XXXX : SAVE repayment plan not processed by Edfinancial. Loan repayment requirements re-started by the Biden administration. Balance began to build on my account because of the delay in having the SAVE repayment plan application processed. 

XX/XX/scrub>XX/XX/XXXX : Status request sent to Edfinancial via email. No response received. SAVE plan not applied to account. XXXX Loan Forgiveness Application not processed. 

XX/XX/XXXX : Status request sent to Edfinancial via email. No response received. SAVE plan not applied to account. XXXX Loan Forgiveness Application not processed. 

XX/XX/scrub>XX/XX/XXXX : SAVE application and XXXX Loan Forgiveness Application resubmitted through Edfinancial website. Neither were processed in XXXX. 

XX/XX/XXXX : SAVE application finally processed and applied to my account, but now I owe an unaffordably high balance that should not even be a balance, because of the multiple month delay in Edfinancial processing my SAVE plan application. No update in the XXXX Loan Forgiveness Application. 

*Mutiple calls were placed to the customer service phone line, each with a hold time over 200 minutes, never successfully connecting with a customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: FL

Complaint narrative:
Ive recently check my credit report in because I decided to change my life and chase my dreams and noticed a few in accuracies on my profile. Please check every piece of information and make sure its accurate and accountable in accordance to the Fair Credit Act

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 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I initiated a XXXX transfer, within the Chase banking app of {$300.00} to XXXX XXXX, at XXXX. XXXX never received this transfer. 

Claim number of dispute with Chase Bank XXXX Chase Bank has confirmed the token is correct and that the funds were sent. I have spoken to them on at least XXXX occasions and did a XXXX in person dispute along with XXXX XXXX XXXX XXXX brought all of her banking info to prove to Chase that the funds were NOT received. I also spoke on a conference call with her bank ( XXXX XXXX XXXX XXXX  ), who confirmed that no funds were received. 

XXXX is the in-bank app that Chase uses XXXX I spoke with XXXX on several occasions. They CAN NOT open a dispute because I did not use their stand-alone app. If a person uses the in-bank app, through Chase, ONLY Chase Bank can resolve any dispute. ( XXXX XXXX XXXX Chase wont provide any documentation showing that the funds were RECEIVED.only that they sent the funds. Chase Bank hired XXXX to do their money transfers, but wont investigate on my behalf. There is a missing XXXX XXXX that no one seems willing to investigate. 

Is someone skimming funds between banks? 
Is there a hiccup in transfers resulting in lost funds? 

If Chase says the funds were received, let them prove it, because I have proof that they were NOT received. If I am wrong, I would like to learn something from this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I ordered a new debit card because my previous debit card had the sticker coming off making it hard to use in machines. I couldn't add the new debit card to my XXXX XXXX wallet and I called my bank. They gave me the run around then later my debit card was shut off and I had to call and find out why. No one could give me a reason and I later learned that Chase closed my account and would not give me a reason why. I did not send any new checks or made any changes to my account. I only asked for a new debit card because the sticker had been damaged. I was disappointed that they could not give me a reason why it was closed or a solution to fix this issue. No representatives were helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: NJ

Complaint narrative:
I recently discovered that my personal information was exposed in a data breach involving Equifax, as reflected in my FTC report. This breach poses significant risks to my privacy and financial security. In light of this, I urgently request the immediate deletion of all compromised accounts associated with this breach. Safeguarding my personal information is paramount, and I trust that prompt action will be taken to mitigate any potential harm. Your cooperation in ensuring the removal of these accounts is crucial for my peace of mind and protection against further unauthorized access. I appreciate your attention to this matter and your commitment to resolving it promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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: IL

Complaint narrative:
I have submitted an ID theft report from the ftc as well as a police report regarding the identity theft and they have still been reporting this account on my credit file.

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 2024-01-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have submitted an ID theft report from the ftc as well as a police report regarding the identity theft and they have still been reporting this account on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: IL

Complaint narrative:
Delete the following undeliverable addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL 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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
On XX/XX/23 I applied for a XXXX XXXX card to receive XXXX points and a {$250.00} credit. The cost for this card is $ XXXX. After spending {$1000.00} I was to receive the XXXX points, but the airline reduced this to XXXX with no explanation. I have tried to get the additional points due to no avail. The only reason I applied for this card was to receive the points and credit. 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 2024-01-20 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: MO

Complaint narrative:
XXXX-Submitted claim online for the Equifax data breach settlement. Claim number is XXXX It was determined ( and I have the screenshot ) that my information was affected by the Equifax data breach.

My information was stolen due to Equifax negligence.

This account is reporting inaccurately and needs to be deleted : XXXX XXXX/XXXX  These accounts have erroneously decreased my credit limit and has subsequently hurt me as I try to reconcile the fraudulent activity and get my accounts restored back as they should. These accounts are listed as follows : XXXX XXXXCredit limit needs to be restored/increased to {$18.00}, XXXX. 

Due to Equifax data breach, these accounts were closed by grantor and need to be re-opened and my accounts reinstated to the credit limit I had previously as I gave no instructions to close these accounts. They are listed as follows : XXXX XXXX-restored/ increased to {$4000.00} credit limit XXXX XXXX XXXX-restored/increased to {$700.00} credit limit XXXX XXXX XXXX XXXX XXXX-restored/increased to {$830.00} credit limit I did not give instructions for these accounts to be closed or for the credit limits to be negatively tampered with. None of these accounts need to be closed but they should be adjusted as stated so that it can report accurately. 

I had a phone call in XXXX  where I could not get a lower interest rate on my mortgage with XXXX XXXX because they said my credit report reflected negative information. 
I could not get a XXXX car loan with low interest rates as requested in XXXX, because they said my credit report reflected negative information. 

In XXXX, I was denied a {$5000.00} XXXX XXXX XXXX XXXX XXXX because they said my credit did not meet qualifying criteria. 

In XXXX, both my car insurance premiums escalated with XXXX  and XXXX. They stated it was because of data in my credit. 

Before the Equifax data breach, my credit scores were in XXXX range. Now it is ranging between XXXX and XXXX because of the erroneous credit reporting, fraudulent activity, and other unknown reasons that I can only attribute to the data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
Optum Bank is in nearly total violation of the disclosure requirements of 2 CFR Part 1030 - Truth in Savings ( Regulation DD ). Specifically, Optum Bank is failing to comply with substantially all of the requirements of 1030.4 Account disclosures ; 1030.6 Periodic statement disclosures ; 1030.7 Payment of interest ; 1030.8 Advertising. 

Perhaps most importantly, in violation of Regulation DD, the APR on Optum Bank Healthcare Reimbursement Accounts is not displayed anywhere on the Optum Bank web site or in any written material that is automatically provided to account holders. Furthermore, nowhere is it disclosed whether the monthly interest payment is based on the balance at the end of the month, the average balance during the month or some other value.

I was able to obtain the APR by submitting a prior complaint to the CFPB but account holders should not have to submit a complaint to the CFPB to obtain information that should be readily available under Regulation DD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: KEYCORP
State: OH

Complaint narrative:
Companys involved : XXXX & key bank Key bank report number : XXXX ( Police XXXX and report number ) Police report # : XXXXXXXX XXXX XXXX XXXX # XXXX Detective Direct Number : XXXX XXXX Ohio XXXX XXXX : XXXX ( XXXX XXXX XXXX  Id ) : XXXX  XXXX I was running a small studio business out of my house I had a client XXXX me at gunpoint ( XX/XX/2023 ) and took all my money including other valuables He took my phone that was on my desk and sent himself {$530.00} On XXXX I didnt authorized this transaction I contacted key bank about this transaction and they resolved it in a timely manner but then a few months later I open my bank and see {$530.00} Missing out of my bank account they said the evidence I gave them was not enough so they took back the funds. I called key bank and asked to re open the case and gave them police report numbers and they said they would give me a resolution by XX/XX/XXXX Fast forward to XX/XX/XXXX I call back key bank and they say that the investigation is still going on and waiting for XXXX XXXX Ive given them all the information they could need including police report numbers Dates Police phone numbers listed above But they keep delaying a resolution I called XXXX  support and they keep telling me they are working with my bank to resolve the issue but theyve just been delaying it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
On XXXX XXXX XXXX XXXX I sent a certified letter to IQ Data International to validate the debt. In the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have contacted the credit cards company about negotiating interest. I was told the company dose not negotiat at any point and will not. 

I am being charged interest while in collections with chase Bank credit card division. 

The hole point of collection is not be charged interest and pay back what you owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-01-20 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XX/XX/XXXX  I noticed a promotional balance had not decreased with a recent payment. I sent a message through the website message center. I received am E-Mail reply the Company received the message and would review. Possibly 1 week later I received another message a reply had been sent. The message portion of the website no longer works, as in all messages to the company and from the customer are no longer visible once posted to an account. I have informed them of this every time I contact them about applying payments incorrectly. 
Eventually I receive another message and link to a form letter and I see promotional payments corrections, credits and debits on the account. 
Then the next payment I have to go through the whole process again. Today is the fourth time I have contact the company about misapplying payments. The credit card agreement is for all payments to be applied to Promotional balances first, then once paid off, apply payments to standard purchase balances. I had a XX/XX/2023 promotional balance the company hadn't paid off in XX/XX/2023 and I posted $ XXXX {$600.00} payments monthly. Today I found a {$300.00} promotional balance not paid off by my {$350.00} payment and the {$49.00} balance not applied to my next in line promotional balance of {$320.00}. All I continually ask is that my payments be applied according to the XXXX XXXX  Credit Card Agreement rules. In addition, there is a section of a Standard Purchase amount that I questioned, it and the designation of terminated status on a larger amount. I asked what this meant and an explanation, but not until today 's message. I have not yet taken the time to call the company. I did inform them if this continued, I would file a complaint. I added attachments and can add more showing different screenshots. if needed.

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 2024-01-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
am a natural person, I am a living human being. I have rights under 15 USC 1681 Equifax is governed by 15 USC, and they have violated my rights numerous times.

I demand the accounts below be removed because according to 15 USC 1681 : I have a right to privacy and i did not give Equifax written permission to furnish these accounts : account # XXXX account # XXXX account # XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CarMax, Inc.
State: TN

Complaint narrative:
I WAS XXXX  days behind on my car payment to Carmax Auto Finance. They have called me XXXX times a day for the last XXXX days even though I told them I would make a full payment on XX/XX/24. I made the payment on XX/XX/24 through my online account and still received XXXX additional calls from Carmax this morning, even though my account is no longer past due. 

I acknowledge that I owe this debt and am working very hard to ensure that it is paid in a timely manner. I have proactively called Carmax many times and have answered all of their questions and paid as I have arranged with them every single time so I don't understand the continued harassment.

Company response to consumer: Closed with non-monetary relief