vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays bank decreased the credit limit on my Jetblue plus card by {$6100.00} and made my utilization go near 100 %. I have made all payments on time and never had an issue with this bank until now. This has caused my credit score to tank and I have been a reliable customer with this card for over XXXX  years. I complained to the XXXX  in which they left an office phone number to call and promised a response in XXXX hours, yet they never returned my calls and clearly are pulling some sort of scheme. It is impossible to reach them or receive a resolution to any issues.They are clearly trying to get my card to go over the limit now that I have hardly any available credit left so that they can charge me extra fees.

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 2023-11-15 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
In XXXX of 2023, I purchased a bicycle and bicycle engine from XXXX for the price of {$1100.00}. When the merchandise arrived, it came irreparably damaged. I contacted XXXX for a return or refund, only to find they do neither. They only offered replacement parts. However, replacement parts will not solve the issue ; I was sold a product that was not as advertised ; the bicycle and bicycle engine do not fit together, the bicycle frame is missing parts, and the engine does not work. I have tried to dispute this purchase with the financing bank 4 separate times now.

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 2023-11-15 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: GA

Complaint narrative:
I have never had a single late payment on one of this account. All the information is incorrect. I want it to be reviewed and removed as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have never had a single late payment on one of this account. All the information is incorrect. I want it to be reviewed and removed as soon as possible. 

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 2023-11-15 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have attempted to resolve this issue on numerous occasions with the Care Credit card that is issued by Synchrony Bank. 

I made a standard purchase on XX/XX/2023 in the amount of {$120.00}. I made a payment in full on XX/XX/2023 in order to avoid interest and to remove the standard purchase from what is owed in total. I contacted Care Credit and had them allocate the payment to this purchase. It appears the allocation posted on XX/XX/2023. I have highlighted these transactions on the attached statement. 

I have contacted Care Credit by chat and by phone several times. Each individual tells me they have resolved the issue but the balance has yet to be cleared. 

As of today, the purchase is still open with a {$39.00} balance and I am being charged interest.

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 2023-11-15 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: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Back on XXXX XXXX XXXX XXXX I went in to purchase a car from XXXX XXXX XXXX. This was my first time purchasing a car from a dealership so I didn't fully understand all of my rights as a consumer. l entered into this contract agreement with XXXX XXXX XXXX without first having full disclosure of my right to rescind and secondly without the transparency regarding the process of my consumer credit acting as the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as the self liquidating paper ( 17 CFR 260.11b-6 ) ). I have very much reason to believe that XXXX XXXX XXXX took advantage of me and my consumer credit. I also was under the impression that in order to drive off the lot it was necessary that I put a down payment of {$1500.00} in order to take possesion of my XXXX XXXX XXXX This was false and deceptive information and was a ( violation of 1692e ). Pursuant to ( 15 USC 1605 ) a finance charge is sum of all charges. Furthermore after closing the deal I was then told that I had some changes to my lease agreement and that my monthly payments and interest rates would be less, which I thought was great news. But I was pressured into signing a new lease agreement asap and the only time I could do so before their deadline was while I was at work. They proceeded to send someone to my job and have me sign while I was in the clock. With me being a manager I could not leave the floor for long as I am responsible for the store and was understaffed that day. This event took place on XX/XX/XXXX. I felt extremely pressured to sign this new contract and was not able to read the new terms thoroughly. I also never received a copy of the new contract so my only reference is the original contract I signed at the dealership. Lastly I had to do a welcome call with the lender XXXX XXXX and we kept missing each others calls, one of the agents at the dealership began to get impatient, hostile, and a bit rude with me because I hadnt done the welcome call yet. He evened threatened that they would have to take the car back that day ( XX/XX/XXXX ) if I didnt do it, which at this point I had already gotten off the phone with regional acceptance and completed the call so I found that extremely disrespectful. On XXXX XXXX I reached out to the same agent and let him know that the cars check engine light came on and I never got a response, which again I felt very disrespected and pushed to the side. I have sent a letter of rescission to the dealership on XXXX XXXX XXXX  and I am now waiting for a response. I am extremely disappointed about the violations this company has pulled on me and I would never want anyone to go through the same thing.

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 2023-11-15 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: OH

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 section 602 A. States I have the right to privacy.

15 usc 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 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 7 years.

15 usc 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. 

XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX They have violated my rights

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 2023-11-15 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: OH

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 section 602 A. States I have the right to privacy.

15 usc 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 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 7 years.

15 usc 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. 

XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX They have violated my rights

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
as a consumer, I did not conduct any of those transactions I did not authorize any of those I demand immediately that those accounts be removed or each account that is reflecting on to my report, I will restart requesting {$1000.00} for each inaccuracy that has been reported onto my consumer report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: CA

Complaint narrative:
I have a {$120.00} debt collection on my credit report with Qualia debt collection. They have no record of this and I would never not pay a {$120.00} bill. This is incorrect. Qualia debt collectors has absolutely no record of this. They couldn't find me in their data base. Incorrect report on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank locked my wife 's 4 accounts and my 1 account on ~ XX/XX/. 
On XX/XX/XXXX, my wife contacted Citi Bank and was transferred to several departments, ultimately Fraud, and worked with the representative to clear the fraud concerns. 
XXXX XXXX, Citi Bank and my wife all concluded to reinstate the accounts. My wife in short had to transfer XXXX to place on a new car XXXXdown payment ) as we awaited XXXX to send checks for totaled vehicle. 
Then my wife deposited the first XXXX of XXXX back into Citi Bank savings and the account was flagged. 
This was all discussed and cleared for reinstatement on XX/XX/. 
The ( Back Office ) for Citi Bank still closed the accounts, locking our " XXXX from us, not allowing us to have the funds for 30-60 days. 
Citi Bank also neglected to share with us the reasoning for the closing of accounts as they only said fraud. Stating you will get a letter in the mail. 
This does not help us as they have `90 % of our liquid savings and there is no reasoning for fraud as documented with several Citi Bank representatives.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC
State: DC

Complaint narrative:
On XX/XX/23 I sent an email to my auto loan finance company, XXXX regarding the reporting of inaccurate information on my consumer report. I have dispute the account as well with the Credjt Reporting Agencies to no avail and verified results. The issue and dispute is that per the FCRA there must be accurate information being furnished. Im addition there must be a reinvestigation into the account which was completed to no avail or update to the reporting information. The current balance being reported is XXXX, however the actual balance is currently XXXX per Prestige. I have asked for this information to be update however was denied due to me being in a payment agreement with the company. As federal law supersedes these companies policies and they have failed to comply with the FCRA and XXXX XXXX compliances I am seeking resolution immediately. Lastly these violations are subject to 15 USC 1611 for the willful noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have contacted XXXX XXXX XXXX  XXXX for debt verification they have failed to provide. I have contacted XXXX and TransUnion for any form of verification they have failed to verify. Collection activities have continued after I have notified all parties in writing that the account is in dispute. I am requesting immediate removal from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I wanted to refinance my loan for a lower interest rate. I had been XXXXXXXX XXXX Wells Fargo for XXXX months. I was all set to close after XXXX months and was told that because of a prior bankruptcy I was not eligible to refinance. I was told in the beginning I could skip XXXX payments. I was told right after the denial that my house would be foreclosed on if the payments werent made. So my XXXX children and myself were forced to move

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a dispute with Experian as to their investigation process for verifying and validating account ownership after I paid an account that I didn't own because Experian refused to remove the account from my credit report. Experian kept telling me that the account was verified as belonging to me while forgetting to tell me that Experian as a corporation receives monetary compensation for the information reporting to my report. After I paid the account, it reappeared on my credit report with a different company than before claiming ownership. I refused to be extorted again and I disputed this account with Experian, and they told me that the account was verified, which is impossible. On XX/XX/2023 I received an email from Experian saying my dispute results from a previous complaint i filed. I hit the link to go straight to Experian 's website and I was unable to see the dispute results as I was Instructed. I contacted Experian by phone, and they refused to give me a copy of the complaint report or give me access online to see the results. Instead, Experian told me they can only read me the results of the report and could not give me anything in writing. The report is evidence that Experian, never investigated the validity of the account, compromised my non personal information, profited off of the furnishing of accounts on my credit report and personal information that never belonged to 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 2023-11-15 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:
Got another email saying experian has closed another complaint with no resolution of the issue however experian keeps sending explanations to complaints that have absolutely nothing to do with the complaint. Experian stole 17 months of on time never late payments to XXXX and won't put I back and deducted a XXXX amount from my credit score

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 2023-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
We paid our XXXX payment through the mail and it was received and credited incorrectly by Mr. Cooper on XXXX. 
Our intent, as stipulated with the check of {$2700.00}, was that {$2000.00} was to be applied to our principal balance, and {$770.00} was the mortgage amount due. 
Mr. Cooper acknowledged receipt of the check, but after paying the mortgage balance, credited an escrow account for {$770.00}. 
All on XXXX. 
We have no escrow with Mr. Cooper. 
The balance of the {$2000.00} less {$770.00} was credited to principal. 
Repeated phone calls to almost ten representatives over the past almost two months resulted in assurances by them that it was being corrected, but never was. 
On Monday this week, XXXX, XXXX representative, XXXX did provide some satisfaction taking the XXXX payment and allocating it correctly. 
Today, XXXX, XXXX XXXX, ( name he gave ) was lying to us again and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to dispute the inquiries on my consumer reports, inquiries conducted on my behalf without explicit permission. I did not authorize any such investigation, and i request immediate deletion and clarification on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing to dispute the inquiries on my consumer reports, inquiries conducted on my behalf without explicit permission. I did not authorize any such investigation, and i request immediate deletion and clarification on this matter.

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 2023-11-15 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: AL

Complaint narrative:
Letters were recieved in XX/XX/2023 i Called today which is XX/XX/2023 No actions have been taken By the company. Compant which is XXXX Keeps hanging up. i have recorded call of them hangimg up on purpose.

Company response to consumer: Closed with non-monetary relief