vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank decided to decrease my credit limit on my Amazon Store card which was opened in XXXX of XXXX, from {$500.00} to {$150.00}. I am not sure of the exact date that this happened as I did not receive any notification of this. 

On XX/XX/XXXX, I checked my XXXX XXXX and noticed that it had decreased by 29 points. Upon further investigation, it seemed that this happened because my credit limit on my XXXX XXXX card had decreased. 

When I contacted the company, they informed me that they do a credit check every 90 days and because my credit score had gone down XXXX slightly ), they decreased my limit. Even though I have always made my payments to them. My score had gone down slightly due to the fact that I was shopping for a mortgage. 

Now I am worried that they will check again in 90 days and see my score has gone down even more ( because of them ) and decrease my limit once again which will in turn decreased my credit score again. 

When I asked them to increase my limit back to {$500.00}, they would not. They informed me that there would be another check in 90 days. My score is not going to go back up over 30 points in the next 90 days!

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 2021-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.

Complaint narrative:
I have transferred the to XXXX which was around {$30.00} dollar to my friend through world remit. But due to some reason the transaction was not completed and i had cancelled that transaction on XX/XX/XXXX. They told me that I will get my refund back with in 7 working days due to their policy. Its now more than one month and when i asked from them for the refund they told me every time that they have processed the refund and i will get my refund with in 2 days. This never happens. Everytime they make excuses when i asked them to give me and refund details like transaction code they also never gave me that. 
Now they are harassing me by making excuses everytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: 2288984 Ontario Inc.
State: TN

Complaint narrative:
Obtained Loan for {$1000.00}, I paid each payday, and came to a point of having issues paying due to the frequency/interest accrued. They froze the interest from that point on I paid {$90.00} each pay day day/ bi-weekly, {$180.00} per month. And if additional pay day I paid another {$90.00}. I continued to pay as agreed and watched the website balance go down per each month. Balance finally reflected on the website I was Paid In Full. Website reflected {$0.00} balance. This company now wants to continue to pull another {$270.00}. from my bank account after showing on their own website {$0.00} balance. I told them to send me something to substantiate their claim. I have asked numerous times for an accurate account. At this time they have not provided an accurate disclosure but sent me to collections instead. I have told them for the past few months - provide me the proof I owe you more money but they do not. They have my correct email address and correct address. Still no disclosure of proof, but their website reflected {$0.00} balance. I think its fraudulent to send me to collections if their website reflected one thing and they cant seem to show me proof I owe them any more money? If their own site reflected {$0.00} balance they should honor that. You cant claim there is something wrong with your website and expect people to just buy into it bc you say so. Show me the proof a complete and clear reconciliation to substantiate your claim. Due to their own lack of honesty I refuse to pay them unless they can substantiate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the findings and the company agreed to put the account in good standing as of XXXX XX/XX/2021 and to report to the credit agencies. It has been a month and a half without the credit agencies removing the negative remarks ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the findings and the company agreed to put the account in good standing as of XXXX XX/XX/2021 and to report to the credit agencies. It has been a month and a half without the credit agencies removing the negative remarks ...

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 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed the findings and the company agreed to put the account in good standing as of XXXX XX/XX/2021 and to report to the credit agencies. It has been a month and a half without the credit agencies removing the negative remarks ...

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 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I was offered a payment in the amount of {$3700.00} by XXXX XXXX with Wells Fargo Remediation in XXXX of XXXX, a check was supposedly sent, intercepted by another party and cashed in my name. An affidavit was filled out in re, investigated, funds returned to Wells Fargo. A replacement check was then sent, supposedly, around XXXX or XXXX of XXXX. I moved in XXXX of XXXX, anything sent to old address would not be received, this was detailed in prior complaints about this matter .... Wells Fargo reps replied by stating they were given verified address, apparently refuse to investigate. They have not shown anything stating what address they were provided, no proof I am aware of. Having said that, their reply appears to be bogus and an attempt to avoid addressing issue. Further, they have reported both payments to IRS, I was sent a XXXX form for each payment, neither received. IRS will audit my returns as payments were not reported on them, this will cause additional taxes and interest owed. Also, a mediation payment amount of {$500.00} was not received, also sent to old address. Wells Fargo reps attempted to refer to an agreement of this amount which they claim was sent to old address, signed by myself when it was in fact not. I moved on XX/XX/XXXX, mail is forwarded and no payments from Wells Fargo received or any agreements.

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 2021-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
Security Credit Services Company has violated several of my consumer rights by attempting to re-age an alleged that they claim I owe. Security Credit Services also never notified me of my right to dispute the debt or their intent to report the debt to the credit bureaus. When attempting to validate the debt with the company they did not provide sufficient documentation to validate the debt and blatantly ignored my concern about the date reporting that the account opened on my credit report and other inaccurate information reporting on this alleged debt based on documents submitted by them. Security Credit Services is also not registered in the state of Michigan where they are attempting to collect the alleged debt and it is required in Michigan that collection companies be licensed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
to whom it concerns i deputed been over 30 day there is inaccuracy in my credit report. no results. or replay or changes. i sent letter out on XXXX XXXX XXXX knowing mail is slow but i ask to be removed. the collection agency. is progressive management XXXX $ not alot but not mine debt. original debt creditor is XXXX memorial hospital. this is a violation of my hipaa medical privacy or health privacy. if i had hospital visit i would used my insurance plan. i have a scan my id cards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Beginning in late XXXX to early XXXX I had purchased XXXX from XXXX XXXX through using XXXX that was linked to my XXXX that was linked to my previous bank account. since then i keep seeing numerous unauthorized transactions from xsolla.XXXX XXXX.XXXX.XXXX  XXXX, XXXX XXXX XXXX XXXX view, XXXX purchase XXXX # CA they keep taking different amounts out of my checking account. i closed my old account opened a new one had numerous cards cancelled and had new ones issued only to have this thing attack my account again. i dont know what else to do. i have screenshots of the numerous transactions in my phone. this is getting to be a nuisance and i dont know if i need to involve the police and take a police report because they keep stealing money from me. they even hacked my prepaid debit card somehow and i dont even kmow how they got into that account. XX/XX/2021 there were two charges for the amount of {$2.00} and {$4.00}, XX/XX/XXXX and XXXX XXXX there were numerous amounts for {$1.00} XXXX XXXX there has been charges for {$19.00} for both my checking account and my prepaid debit card. I contacted XXXX previously to which they refunded me the money back in XXXX but this has been recurring and i dont know if its from the XXXX company itself or if its a third party associated with XXXX or if its hackers from from the different games on XXXX but this has gone on far too long and i am frustrated i cant keep closing accounts and cancelling debit cards.

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 monetary relief
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Around the beginning of XX/XX/XXXX I filed a dispute with XXXX, I believe it was XXXX $ to XXXX Main Financial. Long story short, we went to court on XX/XX/XXXX. The judge found in their favor and on XX/XX/XXXX I appealed the decision. Next, on XX/XX/XXXX, I filed a notice of intent to file default judgement. Finally, on XX/XX/XXXX, the office of the prothonotary filed the praecipe to enter default judgement. After all of this, XXXX  has already removed this info from my report, but Transunion and XXXX  have not. After filing a dispute on both sites, they simply updated the info to show I owed more money than before.

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 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Submitted Letter to Equifax and XXXX  on XX/XX/2021 to verify debt collections on my account. I have yet to hear back from them about regarding the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2021, i paid XXXX XXXX XXXX a payment of {$89.00} to settle a charge-off collection from XXXX XXXX. In exchange of the settlement payment they had agreed to remove or get account deleted from my credit. So far that account has been removed from XXXX  but not on XXXX  nor Transunion. 

Every time i submit a dispute to XXXX  and Transunion thier investigation result keep on coming back verified or updated without no validation letter. 

I even sent XXXX  and Transunion a deletion letter agreement from both the collection agency and the original creditor in order to that account deleted by the credit bureaus themselves.

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 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got an alert from my Complete ID credit alert system which showed that my phone number is being used by someone named 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 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, 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 got an alert from my Complete ID credit alert system which showed that my phone number is being used by someone named 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 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, 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 got an alert from my Complete ID credit alert system which showed that my phone number is being used by someone named XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I opened an account with Chase Bank on XXXX of XXXX in an effort to move away from XXXX XXXX. 

Once the account was opened I funded the account with XXXX from my XXXX  account On the XXXX I called Chase bank as there was a discrepancy in their information. Chase 's customer service stated the ACH transfer was complete however Chase 's website and that team said that the transfer had failed. 

To rectify this I canceled the ACH that had been completed and somehow failed at the same time. 

The afternoon of XX/XX/XXXX I intiated an instant transfer from XXXX  into XXXX. I then initiated another instant transfer into Chase bank. 

This series of transactions completed within an hour with my XXXX XXXX  showing {$0.00} and my Chase account being funded with ~ {$1300.00}. 

On the XXXX my Chase account was closed and access to my Chase account was removed. 

I called Chase to try and understand what occured. Nothing could be done and I have no way of accessing my funds ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX Bank on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 have this scam of inquiry on my credit report XXXX CREDIT/SCOTTSDALE Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX No way to contact its just a scam I want this removed ASAP Experian Response below clearly they have no intention in investigating. Because how can I contact creditor with the information they have listed. Please help CFPB In accordance with the Fair Credit Reporting Act, entities You will need to reach out to the creditor who pulled the inquiry in order to get more information about the inquiry and the manner by which it was requested. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and answers to frequently asked questions, you may visit www.experian.com/blogs/ask-experian. Please note that you may submit your requests and/or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center at www.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with 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 2021-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Back & forth miscommunication is still happening to-date with Chase Wire Team & Chase in general. No one at Chase has ever told me via phone, e-mail or Chase Secure Messaging that any of my wired funds were " no longer available, '' and the XXXX XXXX XXXX attempt regarding XXXX XXXX  still have no updates on how to move forward or if any new communication has been found ; No Hold Harmless Letter has been requested to my knowledge which is the only transaction that's still in limbo at XXXX XXXX  for {$5600.00} USD. 

After my own investigation, XXXX XXXX  notified me themselves that a Hold Harmless Letter was needed from me to process the international funds yet Chase never informed me of this, yet two Hold Harmless Letters were notarized & sent via Chase Banker to XXXX XXXX  on XXXX ; XXXX XXXX  notified me that they've told XXXX that a HH Letter was needed. What's the status of receiving my two  HH letters at XXXX XXXX  for {$6000.00} & {$4200.00} USD? Chase still can't give me any answers & I've been trying to get answers not only from Chase Secure Messaging ( all messages saved ), as well as e-mailing & calling the Chase Executive Team and e-mailing XXXX per instructions from Chase for XXXX XXXX XXXX XXXX updates. No updates have been given to me still to-date! 

One notarized Hold Harmless Letter was sent to XXXX  XXXX XXXX on XXXX via Chase Banker as requested by XXXX  XXXX XXXX for {$3400.00} USD. Still to-date, XXXX  XXXX XXXX is responding to me directly from their Secure Messaging, stating that a Higher Up or VP at Chase needs to sign off on my HH Letter. Chase has also told me over the phone that I would need to forward my Hold Harmless Letter to XXXX  XXXX XXXX a second time, in which I've done so to their HH Mitigation Team, yet XXXX  XXXX XXXX is telling me that it needs to come directly from Chase & that I was misinformed by Chase. What's the status - has XXXX  XXXX XXXX received my first HH letter sent directly from Chase for processing? 

XXXX XXXX  responded via CFPB complaint that " Debit Authorization was needed from their client - unauthorized third-party '' regarding the stolen {$2600.00} USD & would need authorization from me to move forward with processing Chase 's Swift Wire Recall. A notarized Hold Harmless Letter was sent to XXXX XXXX  via Chase Banker on XXXX - what is the status of this transaction & receipt of my Hold Harmless Letter being accepted?

Company response to consumer: Closed with explanation