vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My former employer issued me my last pay check after I have resigned from my job. That paycheck includes my regular worked hours and my Paid Time Off balance. The checks total is {$1600.00}. 
The name of the employer is XXXX XXXX XXXX XXXX, and the name of the bank on the paycheck is JP Morgan Chase bank. I live in California, and I was working for the employer ( XXXX XXXX XXXX ) here in XXXX, California. 
I went to JP Morgan chase bank branch located at XXXX XXXX XXXX XXXX in XXXX XXXX, CA, to cash my check. The bank teller would not cash the check for me. She declined to cash the check, stating that the employer has a limit of {$1500.00} on the account, {$1500.00} being the maximum amount that the check can be written for and honored by the bank. I was very surprised to hear that because, my former employer would not have written me a check for {$1600.00} representing my earned wages and Paid Time Off, if they knew that the maximum amount they can write employees paycheck for is {$1500.00}. 
Not only the teller would not honor and cash the check for me, she also stamped the back of the check endorsement cancelled, which now prevents me from cashing the check somewhere else and even depositing it in my account. I tried to cash it at other check cashing agencies and even tried to deposit it in my account but none of them would take it because of that endorsement cancelled mentioned or stamped at the back of the check by the banks teller. Now I cant cash my paycheck, while I have some bills that were due and are now past due, that I needed to pay. I contacted the banks customer service number by dialing the banks XXXX number. I explained the situation to the agent I had on the phone, and she told me that she was surprised to hear that because they ( the bank ) do not have any such limit for that amount on that customers ( XXXX XXXX ) account. The customer service representative told me that any such limit for that amount does not exist, that the bank does not have any such policy in place. I understood that perhaps the teller I met that day at the bank simply did not want me to enter in possession of my rightfully earned pay, and simply denied me a basic bank service for which they are federally insured through the FDIC program. Now I cant cash my paycheck, and I dont have the money to pay my bills. This is simply not right. 
I have decided to speak out about it and file this complaint against the bank for such attitude of one of their employees ( the banks employees ). 
This happened on Saturday, XX/XX/2023, around XXXXXXXX XXXX  at the JP Morgan Chase bank located at XXXX XXXX XXXX XXXX in XXXX XXXX, California.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: FL

Complaint narrative:
I am attaching the detailed letter regarding the XXXX XXXX account number ending XXXX, in which on multiple occasions I spoke with this company to explain the reason for my late payment that had been due to a fraud issue and they told me to please send them a letter in writing explaining everything. 

This letter was received and I was notified that the account was going to be corrected then they sent me a letter explaining that they could not change this situation since they had to accurately report the report, where I express that due to fraud they should give me the necessary help since it negatively affects my credit report and my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am attaching the detailed letter regarding the XXXX XXXXXXXX account number ending XXXX, in which on multiple occasions I spoke with this company to explain the reason for my late payment that had been due to a fraud issue and they told me to please send them a letter in writing explaining everything. 

This letter was received and I was notified that the account was going to be corrected then they sent me a letter explaining that they could not change this situation since they had to accurately report the report, where I express that due to fraud they should give me the necessary help since it negatively affects my credit report and my reputation.

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 2023-10-22 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: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
The company is trying to say that I lived in an apartment named the XXXX. I have never lived in an apartment by that name. I need it removed off of my credit report. It is preventing me getting housing. Im currently living with family and I need my own home. The company name appears as RentDebt Col in the amount of {$5700.00}. The account number is being reported as XXXX. It doesnt belong to me. Im not familiar with the name of that apartment complex AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Between XXXXXX/XX/XXXX, I fell victim to two multi-layered scam operations run by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my PNC Bank account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: GA

Complaint narrative:
Improper Use of my Consumer Reportin accordance with the Fair Credit Reporting Act this creditor below has violatedmy rights under 15 USC 1681 section 602states, that I have the right to Privacy >XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 604 ( a ) sec 2, states that a CRA can not furnish an accountwithout my written instructions. Under 15 USC 1666 ( b ) a creditor maynot treat a payment on a Credit Card Account under an Open-ended 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 2023-10-22 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: GA

Complaint narrative:
Improper Use of my Consumer Reportin accordance with the Fair Credit Reporting Act this creditor below has violatedmy rights under 15 USC 1681 section 602states, that I have the right to Privacy >XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXX/XX/XXXXXXXX 15 USC 1681 section 604 ( a ) sec 2, states that a CRA can not furnish an accountwithout my written instructions. Under 15 USC 1666 ( b ) a creditor maynot treat a payment on a Credit Card Account under an Open-ended 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 2023-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: IL

Complaint narrative:
I took out a personal loan with World Finance, and up until a few months ago, I have been making payments on the loan. I received a payment that was reversed out of my checking account. I tried contacting the loan company to address the matter but no one was answering my calls at the XXXX XXXX Illinois location. I later found out that the lender closed the XXXX location where I originated the loan, so I later found out the loan had been transferred to a new location. I called multiple times at the new location and it went into voicemail. Multiple messages were left and no return phone call. I received a notice that my wages would be deducted from my employer. In review of the letter, the letter was dated XX/XX/2023. It stated that I had 20 days to address the balance. However, the letter was not sent until XX/XX/2023. This meant that the lender appeared to be falsifying the date that they notified me of an attempt to wage assign my paycheck. With that stated, contacted the XXXX office and spoke to the manager XXXX She told me that the loan could be refinanced with one payment however, she did not have access to the account at her location. I then asked for the District Manager who she said was named XXXX. 

I contacted the South Carolina location which appears to be the corporate office to address the matter, but no one would assist me with the matter. I was told that the District Manager would be calling me 4 times no one called me. I called the corporate office on XX/XX/2023, and was told that the Regional Vice President XXXX XXXX would be calling me I did not receive a call from XXXX XXXX At this time, I am disputing any collections on this loan due to the Lender not returning calls and not doing what they have promised. In addition, they have violated state and federal statutes with the way that the wager assignment is attempting to be enforced. 

The Manager at the XXXX XXXX XXXX where the loan was transferred finally called me on Friday, XX/XX/2023, with a nasty attitude. She claims never called them and that is false. All she was telling me was that could not do anything. Then I tried to make a payment online and the account was blocked from me being able to access the account to make payments. At this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
So on XX/XX/XXXX I made a payment for {$290.00} on Aidvantage my username is XXXX. I got a confirmation email and everything for that payment right after I paid. Days after that " payment '' I still made sure I had more than XXXX in my account in case the payment didn't go through straight away. Today I login to my Aidvantage to see the same day XX/XX/, my payment for the loan was reversed. I never requested for a refund or a reversal as that makes no sense. Also, the " payment reversed '' statement was never loaded onto the site in the last couple of days as I logged in each day to see if my payment went through. Today on XX/XX/ is when I finally seen the " payment reversed ''. Sure enough, I searched this problem up on XXXX and I see many people facing the same issue. Now when I'm on Aidvantage my payment is for $ XXXX instead of my usual XXXX thanks to this issue within the site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Credit card billing statement. 
The online account shows " Total minimum payment due '', and a due date. 
HOWEVER, there is NO STATEMENT available! I need to see the transactions in the most recent statement.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Retaliation tactics used by former lenders/credit card company resulting in inaccurate and conflicting data on my Credit Report with all XXXX Bureaus. Significantly impacting my livelihood along with ability to obtain housing, transportation, and other life necessities. 

What is most concerning is that the financial institution appears a bit emotional, where legal and ethical practices should take priority, especially compliance with Federal Law. A sort of double-dipping and whipping is the best way to describe it. 

Whether upset about the charge-off account or not, writing it off as a loss on their financial books and with the Internal Revenue Service on a legal form for accounting purposes, titled and quote " Account Charged off, $ XXXX, XXXX written off '', then reporting to all credit bureau 's that the account is still open with original delinquency status to current month, is not only unethical but horrible business practice and disregard for the FCRA and my rights.

If the original creditor still owns the debt, where are my notices, attempts to negotiate or collect? A write-off/charge-off has meaning. The term is supposed to be used to identify the account status, thus indicating a closure, no further collection activities from the original creditor. Once you charge it off or write the balance owed off as a loss, cease reporting activity and accurately reflect the account status, I mean isn't this the process? 

Several financial institutions are playing the " ill get you back game '' these companies are : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Blasting the unpaid balance while taking insurance, or tax credits for the loss while still reporting after write-off/charge-off. Some even reporting monthly since XX/XX/XXXXin attempts to sabotage my credit standing for the next several years. 

Requesting assistance from CFPB with ensuring my credit information is reported correctly. As of today, the inaccuracy is causing confusion because the accounts should be coded in the closed 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 2023-10-22 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: SC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-10-22 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: SC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-10-22 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: EdFinancial Services
State: MD

Complaint narrative:
Its been over a month, Ive called and emailed several times about how my recent payment wasnt applied to the correct loan and the lender refuses to answer my emails or fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
do not have dates. Lowes takes out auto payments but they are doing it late and making my credit score lower. I have no control of this. They report it late but they are taking out payments and money is in the bank.

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 2023-10-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax sent me results in response to my CFPB Complaint #, XXXX submitted on XX/XX/2023 : Description of Non Monetary Relief : Equifax reviewed the complaint, relevant documents and completed an investigation where applicable. 

Unfortunately, these accounts listed below have been on my report from at least the day I submitted the CFPB Complaint on XX/XX/2023 that Equifax stated in the results that the accounts did not currently appear on my Equifax Consumer file. 

The basis of my dispute is that I have a right to privacy Title 15 USC Section 602 and Section 604 states a consumer reporting agency can not furnish an account without my written instructions. 

I subscribe to more than one credit monitoring service and check annualcreditreport.com on a weekly basis which I can prove the accounts have been and still are reporting without my written instructions which is a violation of my privacy rights. 


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 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 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was send a pre approval email stating I was already approved for a Navy Federal credit card I was send a misleading email every day for months to apply, when I did finally apply I was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation