vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I had reopened a Victoria Secret card after It was closed prior when it was fully paid off. I had issues with them lowering my credit limit each time I paid a large amount or paid off the balance and they made excuses for why they did it, yet it made my credit score even worse due to it showing I was over the limit, when the credit limit was lowered to less than the current balance. I filed a complaint previously with ID XXXX stating this and they said that IT NEVER HAPPENED and that's not their practice. 

Here I am sending another complaint about the same thing. My new Victoria 's Secret card credit limit was AGAIN lowered AFTER paying off the balance. It was lowered {$200.00}. The balance was always mainly 10 % - less than 30 % of the limit, but they lowered it anyways. The letter I received said it was because of my revolving accounts with high limits, no real estate loan info, too many delinquent or derogatory accounts, and too many bank cards with high balance.. Yet, I had those same credit factors BEFORE I applied for the new one. This company really doesn't support their customers by lowering the credit limits making it harder to keep or increase the score due to higher utilization when they lower the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
ECSI can not respond regarding the validity of loans and absence of promissory notes. They just say to refer my concerns to school. In such case, we ask ECSI to follow up with school themselves or STOP SENDING BILLS TO MY HOUSE WHEN YOU LACK LEGAL DATA THAT THESE LOANS ARE VALID OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to express my ongoing concern and dissatisfaction regarding an unresolved issue with my account, which has been closed for over three months now. During this period, I have been unable to access an {$850000.00} check, a situation that has caused significant inconvenience and stress. Despite my repeated attempts to resolve this matter I have contacted Chases anti-fraud department over 10 times, enduring lengthy waiting periods each time the issue remains unresolved. I have diligently provided all the necessary information requested by your team, yet there seems to be no progress in addressing my problem. I would like to emphasize that almost all the cashier check deposits were made by remitters who are also Chase members, with the exception of one remitter, XXXX XXXX. Given this fact, I believe it should not be a challenging task for Chase employees to verify and look up their information. Furthermore, these checks were deposited in person at one of your Chase branches, which should simplify the verification process. If there is still difficulty in retrieving or verifying the required information, I am more than willing to provide it again. However, I must stress the urgency and seriousness of this matter. The phrase " sorry for the inconvenience '' does not seem to adequately acknowledge the severity of the situation or the impact it has had on me. I look forward to a prompt and effective resolution to this issue. Your immediate attention to this matter would be greatly appreciated. transactions : XXXX XXXX XXXX {$140000.00} XXXX XXXX {$60000.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX {$110000.00} XXXX XXXX {$120000.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$130000.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX {$100000.00} XXXX XXXX {$90000.00} XXXX XXXX {$10000.00} Remitter 's information : XXXX XXXX : Account numberXXXX Bank address : XXXX XXXX XXXX. Phone Number:XXXX  Passport Number : XXXX XXXX XXXX  : Account numberXXXX Bank address : XXXX XXXX XXXX XXXX NY XXXX Phone NumberXXXX Passport Number : XXXX DOB : XX/XX/XXXX XXXX XXXX Account numberXXXX Bank address : XXXX XXXX XXXX. Phone Number : XXXX Passport Number : XXXX XXXX XXXX Account numberXXXX Bank address : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ID : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone NumberXXXX Passport Number : XXXX DOB : XX/XX/XXXX XXXX XXXX Account numberXXXX Bank address : XXXX XXXX XXXX XXXX NY XXXX Phone NumberXXXX Passport Number : XXXX DOB : XX/XX/XXXX XXXX XXXX Account numberXXXX Bank address : XXXX XXXX XXXX XXXX NY XXXX Phone NumberXXXX Passport Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
These accounts are not mine and for a long time I have wanted them to be removed from my credit. It is something that has hurt me for a long time. 


Bankruptcy 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 non-monetary relief
Consumer complaint received 2024-01-24 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: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: PA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

I am also placing a FTC reference number- XXXX XXXX  so that you can verify the inaccuracy of fraud that is placed on my credit report.

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid in full and closed this Walmart Card Credit card this information is incorrect i tried several times they make correction on this account and still appear on my credit record this is an old account with a lot of mistakes

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 2024-01-24 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: 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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-01-24 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: 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
They have called and left a voicemail to a person I share a home with. on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. I submitted a request on their website to not contact a specific phone number. They proceeded to call that number. I called them today and told them to not contact that number anymore. They did not confirm they will stop, and proceeded to attempt to get more information out of me.

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 2024-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The company can not explain what the amount owed is. I have received various letters with various amounts. 
They have incorrectly reported to credit bureaus the amount of late days. 
They have incorrectly reported the amount owed to credit bureaus. 
They have disabled my account preventing me from seeing late fees vs amount owed on the vehicle. 
The company counts late days cumulative and not consecutive so although payments were made to catch up the marked the payments months behind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I got a great job got a credit to help out just in case I was making payments on my card lost a family member and loss my job due to my attendance at work they close my card out and its been affecting my score I want to start out fresh now I understand and can manage my money better

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
No resolution provided by amex XXXX XXXX or XXXX when I called multiple times about an e-gift card worth {$200.00} on XXXX XXXX. On both days, tried using multiple times online at XXXX, XXXX, XXXX, etc. and would not work. It says can be added to online wallet but could not be added to XXXX XXXX. I called customer support multiple times and kept getting placed on hold and given the run around to membership services to gift card to tech support which never answered. Phone call would also just hang up with no resolution. The gift card is a scam if we can not use it anywhere online if it claims we are able to easily use anywhere like a real Amex card and able to add to XXXX XXXX when it clearly can not. They claim they also cant do a refund since it is a gift.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I contacted support to remove a {$40.00} late fee that was placed on my account when I had paid on the day it was due. They refused to remove the fee because they work off east coast time and they see me as having paid 38 min late when I was actually before the end of the day. This issue is extreme and unfair and unreasonable to charge and is just a way to increase profits. In no way is there a financial hit the company takes by charging these high fees. They don't need to some kind of cost of lending because a person pays 38 min late in east coast time. This is truly predatory lending.

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 2024-01-24 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: MO

Complaint narrative:
XXXX not addressed but like all the others this is a stall tactic

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I was making a payment on my XXXX XXXX on XX/XX/XXXX and accidentally selected the wrong method paid as my bank account and other credit card are saved in the same list of payment methods. I was unaware that I made this error. Later on I seen that a payment was rejected. I then realized what had happened but didn't think anything about it due to me paying my balance daily and it being caught up. On XX/XX/XXXX I get on my synchrony account page to see that the account was closed. I reached out to see why and that's when they told me the problem. They gave me no warning and no chance to reopen my account. This account is very important to me due to it being the way I pay my phone bill and all my groceries and gas. I have a great credit history and no late payments for years. This was not intentional. The customer service would not work with me and treated me like trash. I'm hoping something can be done about this.

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 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Healthcare Finance Direct LLC.
State: NY

Complaint narrative:
I had made a purchase of aligners from XXXX XXXX XXXX, in XX/XX/year>, to be paid in monthly installments, until total of {$2500.00}. However, the aligners were faulty, and by XXXX, i had already submitted a claim for new ones. The process for new ones was begun in XXXX, but delayed for months. After months of fail, I began the process for cancellation and refund. During the process, XXXX went bankrupt. So far I have paid {$870.00}. 

I have been receiving calls from a company called HFD, where they have made fraudulent claims over the phone claiming to be the creditor. My contract explicitly states Relationship of Parties. Buyer acknowledges and agrees that HFD is not a lender but rather the payment processing service provider of Provider ( XXXX  ). This leaves them without the legal right to continue collecting payments on a contract XXXX  actions have voided. 

The HFD has threatened to send me collections, regardless of having no claim to the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Originally purchase home with Wells Fargo XX/XX/XXXX loan was interest only.i put $ XXXX as a down payment. I was a XXXX moving to a new area and was told I would be able to refinance the interest only loan once a job was established, even though I had been a XXXX for 7 years at the time. I was denied despite multiple attempts. I sent my monthly budget as requested for months. They constantly changed the terms of qualification resulting in a foreclosure XXXX XXXX XXXX My credit was destroyed for XXXX years and it was a huge hardship on me and my XXXX children. 
My phone number is XXXX, I am unable to edit the typo.

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