vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a financial situation where I had to use my lines of credit on my credit card. 
We had to use those credit lines for a long time and pay the minimum for some time with some delays. Through time we have reduced all the credit card debt but the reduction of the credit card limit and high utilization of my credit has impacted my credit score. A couple of months ago wrote to the CEOs from XXXX XXXX, XXXX and XXXX which are my main credit cards and explained the situation that need to increase my line of credit to stop the high utilization of my credit line. I explain to them the situation and ask them to do something about my credit limit. I have between the three companies a Line of credit of around XXXX USD including some others and now I have only XXXX XXXX between the three. All this has impacted my credit score. I have never defaulted or filed for bankruptcy. I have paid every penny owed to all the credit card companies and banks but their justification is the use for a long time of the line of credit.

I find this unacceptable since they have all the lines of credit I have during my whole credit card history and they have received all their money. I would expect the credit card companies to recognize they have received all their money and at least restore half of my previous line of credit to reduce to acceptable levels of credit line utilization and increase my credit score to normal levels.

I want the credit card companies to help me reduce my high usage credit utilization to restore my credit score to good.

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 2023-11-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear XXXX, I would like to address this concern to XXXX and Experian 's agency for the second time because I needed this one remaining fraudulent account to be taken off of my credit report. I have already informed these agencies in my previous letter that someone has made a transaction with this account that made use of my identity to which I have no knowledge about. This was already reported back in XXXX and I was expecting that this will be resolved immediately. 

XXXX XXXX XXXX -- -- -- -- -- -- Account # : XXXX XXXX has already DELETED this account from their record back in XXXX and I trust that all consumer reporting agencies are only reporting to one furnisher of information. I dont understand the miscommunications and the disconnections here between them and the furnisher. Why has XXXX been able to deal with this matter yet these other 2 credit bureaus was not able to fulfill the duty to remove a fraud item? They just literally closed my filed complaint and Experian just sent me their default system-generated result.

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 2023-11-20 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: MN

Complaint narrative:
Violation of my rights 15 USC 1681 Over the course of 3 months i have sent sveral letters to the reporting agency to investigate and remove these negative items on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are erroneously being reported, i have pointed out these erros over multiple letters to them, but they refused to remove these items, The reporting agency can not verified these items as required by FCRA Laws 15 USC 1681, there process of verification of this item is adequate and incomplete therefore As per FCRA Laws- 15 USC 1681, credit reporting should be accurate and correct, therefore i belive my rights are being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 explanation
Consumer complaint received 2023-11-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XX/XX/2023, I have been trying to solve a problem with an account that reports on EXPERIAN, where for my part I send all the requested information, identity theft report ( FTC ) documentation that they as an agency are sharing incomplete information in which it is established by the FCRA law, the information must be verified and confirmed, and during more than 5 claims made to the company and the credit agency this information has not been modified and on the contrary I am notified by letters that the information is correct and accurate. 

I have done everything on my part, to solve this problem and ask responsibly that my rights be respected, sending letters with sufficient evidence, uploading through their website which is www.experian.com/upload, and making calls to talk with the supervisors so that this information is taken responsibly and I am only notified that they can dispute the information again and wait 30 days again for the result to be the same. 

I understand that as a credit reporting agency, experian has the obligation to verify that the information to be disputed is corrected or otherwise removed from the report. Unfortunately, EXPERIAN only notifies me that the company verified the information and they continue to share incorrect and inaccurate information in my credit report without taking into account all the documentation sent. 

As you can see for more than 5 months this company has lost information so it does not report anything in my report and they simply sent me a report assuring that the information disputed with XXXX is correct and accurate but they do not check that the information is still incomplete.

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023, XXXX fraudulent transactions were made on my Wells Fargo debit card. The charges were as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX. I did not make or authorize these charges which were made at XXXX stores in XXXX, XXXX. I had been in XXXX in the days before XX/XX/2023, but at the time these charges were made, I had left XXXX and was in XXXX, XXXX. I have provided proof that I was not in XXXX to Wells Fargo, and they continue to deny my claim. 

Prior to these debit card charges being made, someone tried to make CREDIT card charges at XXXX and another store in XXXX ( again at XXXX for {$8800.00}, and XXXX for {$1800.00} ). Wells Fargo sent me a fraud alert about the credit card charges and I replied that I did not make the charges. Those charges did not go through. However, I never received fraud alerts for the debit card transactions, and I did not know they had been made until approximately XX/XX/2023, when Wells Fargo told me my checking account attached to my debit card was overdrawn. I immediately challenged the charges. 

My boyfriend who as traveling with my got fraud alerts on his credit card at roughly the same time for a charge at XXXX. He informed his credit card company that he did not make that charge. 

*Note : The charges were made on XX/XX/XXXX which is the date in the XXXX XXXX In XXXX, the date was XX/XX/XXXX. I am attaching flight details showing I left XXXX at XXXX XXXX, on " XX/XX/XXXX. '' Translating that date and time to XXXX time, means I left XXXX at approximately XXXX XXXX on XX/XX/XXXX. I had been in the airport for XXXX hours before my flight left.

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a letter in the mail from Chase stating that a XXXX XXXX XXXX credit card I applied for was denied. I did not apply for this credit card. Ref number is XXXX. I called Chase after calling XXXX XXXX to let them know it was a fraud. I was instructed to file a complaint with you as well. I was on hold for XXXX minutes for Chase and no one ever got on the phone to handle this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
. Billing Error amount of {$2400.00}. One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon. My billing dispute past, current or future certificate of indebtedness while under this contract. Also want my securities sent to me via check.

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 2023-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have not received any documents from the bureaus!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
AutoPay authorization was set-up for a specific amount, and Lightstream withdrew a balloon payment despite not having authorization for that amount. Additionally, their website incorrectly reflected the amount that was going to be withdrawn, resulting in a overdraft fee on my personal checking. I transferred funds to my checking account to cover the payment, however, Lightstream refuses to refund the fee that was incurred due to their broken website and unauthorized payment.

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
An application for a Chase credit card was submitted without my knowledge. When speaking to Chase they could tell me that the application was filed on XX/XX/2023. It was declined. I would like the hard inquiry removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
My account was hacked

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CT

Complaint narrative:
Regarding Case # XXXX Discover has not reopened Case # XXXX despite providing evidence from the merchant that a refund for {$1100.00} was processed on XX/XX/2023 and has not reflected on my Discover account as of XX/XX/2023. 

I am attaching the following documentation to this complaint : XXXX ) Police Report ( Complaint # XXXX ) XXXX ) FTC Identity Theft Affidavit ( FTC Report XXXX XXXX ) XXXX ) Acknowledgement email from the merchant ( FTMO ) that a refund for {$1100.00} was processed on XX/XX/2023 Additionally, I have asked multiple representatives for instructions on asserting Claims and Defenses and I have not received the information I explicitly asked for. Federal law ( 15 US Code 1666, 1666i, and 1640 ( e ) and in 12 Code of Federal Regulations 226.12 ( c ) and 226.13 govern the regulations for Claims and Defenses. As a result, the unauthorized charge of {$1100.00} is now listed on my XXXX credit report and will become a delinquent account if no action is taken. 

Lastly, I have contacted the Connecticut Attorney General 's office ( XXXX ) and plan on filing an official complaint if this matter is not resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Please consider this as my formal complaint to the MERCEDES-BENZ FINANCIAL SERVICES for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXX allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: ND

Complaint narrative:
Citi has been lowering my credit limits for months and maybe even into a couple of years at this point. They're doing this to keep my utilization high, so they can keep my interest high. I suspect they're committing fraud against XXXX  of their consumers and they need to be investigated. Prime example, they close XXXX of my accounts and I requested they be reopened back in XXXX, they said it couldn't be done. Now they are saying they could have but it has been too long, and the two accounts I recently closed within the last two weeks could have been reopened but my utilization is too high. It is a never ending cycle with them. I have accounts with XXXX XXXX  and XXXX bank and neither has lowered my limits, not cut my cards off and my limits with them are XXXX the limits than with Citi. Imagine Citi forcing consumers interest up by XXXX percentage points, of their XXXX  credit card debt at $ XXXX, that's an extra $ XXXX per day in interest they can charge their consumers. This is disgusting, shameful and they need to be investigated for trying to bankrupt the American people.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$22000.00} XX/XX/2022 INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2023-11-20 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: U.S. BANCORP
State: CO

Complaint narrative:
I received a gift card for {$200.00} as a gift. The card was given to me in an unopened, original package. I tried to use the debit card at a retailer and was denied. I then went to their website to register the card at XXXX. I was not allowed to register the new card since I was told it was already registered to someone else. 
I contacted the customer service department and they told me to fax evidence of ownership including pictures of my ID and both sides of the card. I also included my contact information in the event they needed to reach out to me. The customer service department asked for this information to establish ownership. The first fax was sent of XX/XX/23. I called a few days later and they told me the fax was too blurry and to send another which I did on XXXX. I called again today and was told my new fax was too blurry as well. ( Today is the XXXX of XXXX. ) I have never received any information without initiating calls on my end. It is apparent to me that prepaidgiftbalance.com has no intention of replacing or activating this card. Instead, their intention is to wear me out so they can keep the {$200.00}.

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 2023-11-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My home is in foreclosure, no date of sale yet. On XX/XX/23 I submitted a payment of {$8500.00}, which is what I thought the amount of missed payments was at that time. The check was not cashed. On XX/XX/23 I contacted Chase to ask why the check was not cashed. I was told the check was not in the correct amount. I was told Chase would not accept a " partial payment '' and I was also told that there were now fees and costs of {$19000.00} in addition to some other fees that would all have to be paid in additon to the missed mortgage payments in order to bring mortgage out of foreclosure. I asked for verification of these these fees, and none were given. I also asked if paying the sum of the missed payments would be satisfactory to bring the loan out of foreclosure, I was told no. I told them I did not beleive that they could require me to pay almost $ XXXX in attorney fees and costs and not accept my payment of just the total missed payments. They said that I could order a reinstatement amount, but I would have to provide them with the date the payment would be made and that the reinstatment amount they provide would include all the fees and costs and would not provide an explanation or verification of them. 

On XX/XX/23, separate of my conversation with Chase, I received a standard email from Chase saying that the amount due on the loan is {$9000.00}, due on XX/XX/23. 

On XX/XX/23 I sent an email to XXXX XXXX XXXX XXXX, the company trying to collect the debt on behalf of Chase. My intitial email requested a breaddown of fees and costs and asked what the specific amount that had to be paid to bring the loan out of foreclosure was. They responded same day saying " hello team, see below '', which my email was below. I heard nothing back after that. I sent a follow up email on XX/XX/23, and on XX/XX/23, I got a response that my email was forwarded to the reinstatement team for processing, and that takes XXXX days. 

I want to know specficially the following : XXXX. What is the amount of money I must pay to bring loan out of foreclosure? 
XXXX. If that amount is more than just the missed payments themselves, what fees and costs can they legally charge. 
XXXX. Are the fees I am being charged legal, excessive, or valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX debt {$1500.00} pls verify and validate all data this inquiry was made without my knowledge or consent

Company response to consumer: Closed with explanation