vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I was accepted and supposedly issued a credit card on XX/XX/2023. The card was never sent. Supposedly on XX/XX/XXXX a second request was issued by the company to have the card sent. I was told their " back office '' doesn't accept calls from them so they had to send an email. They never received a response.I have called regularly since the beginning of XXXX speaking with numerous representatives and managers. With every call I am told they are sorry but there is a shortage and delay of cards and there is nothing else they can tell me. No one can tell me when I will receive this card. The last two managers I spoke with said it would be issued within the week. Obviously, those were lies to keep me from calling for awhile. I need this card to make a purchase in two weeks but can't because I have to physically receive the card and activate it first. It has been one month since this ordeal has begun and after more phone contact with them than I can count am still being told the same lie with no idea of when this card will be sent. I would greatly appreciate your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had a credit limit of {$1800.00} on my Chase visa credit card. 

I paid off the entire balance of the card this past week XX/XX/XXXX or XX/XX/XXXX. Not even less than a week later after I paid off the whole balance, Chase immediately decreased my credit limit by {$1300.00} and said that and I quote it came up for peer review I find it a little hard to believe that after I pay off the whole balance, theyre just able to decrease my credit by more than 75 % because of some random review they said happens. 

Im not delinquent on any cards. Im up-to-date with all my payments everywhere. 

This is clearly just a way for Chase to mess with their customers and hurt us when it comes to increasing our credit limits. 

I want my limit to go back rot where it was its totally unfair that they can bait me into paying off the balance to up my credit score and then as soon as I do they totally destroy my limit. 

Seems a little too convenient to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 RE : Social Security Number XXXX Chex Systems , Inc Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy. 
I, XXXX XXXX, demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Legal Name - XXXX XXXX 2. My Address - XXXX XXXX  XXXX XXXX XXXX, GA XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.

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 2023-08-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I have contacted Chrysler Capital many times to extend my lease and faxed the documents required to extend the lease many times. Finally the lease paperwork was processed. I continued to make my payments. Chrysler sent no statements for months while I continued to make monthly payments. After many calls back and forth getting bumped to different departments I was told that the payments I made that are not reflected by Chrysler were received by Chrysler but returned to me. I explained that my bank statements do not reflect any credits from the company so they kept my payments but never applied them to my account. I then faxed them the company created statements and my statements which show that I in fact overpaid them. I spoke with a very professional and nice woman in accounting who was the only person to assist in any way who said that she can see no refunds were paid to me nor payments returned to me and that I overpaid by {$65.00} in total ( my math had me {$55.00} overpaying ). They asked me to again fax the statements which I did with detailed notes and I was told that my credit report would be fixed by the " XXXX XXXX XXXX '' ( If this is platinum I would hate to see what gold, silver and bronze service is ). I have never been so frustrated in my life and now my credit report that I have worked XXXX plus years on to never have a late payment is marked late in error which costs me monthly in my new leases. I would like my $ XXXX {$65.00} back and for my credit report to be updated to reflect my payments never being 30 days late. I will never do business with Chrysler again nor will I ever buy or drive a product that they produce. This is shameful and unfair to the loyal customer who made all payments per my obligation including the payment of my fee to return the car through my new lease. I have sent no less than XXXX hours trying to fix an error that Chrysler created after spending XXXX of dollars on faxes to first extend the lease and correct the billing errors they have not fixed but promise too. I have never files a complaint in my life about any company or service but until this matter is resolved I will engage every person that mentions buying or leasing a Chrysler product until the end of time. I can provide statements as well to prove the payments have been made and not allocated to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 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 an account without my written instructions.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sequium Asset Solutions, LLC
State: WI

Complaint narrative:
Squium Asset Solutions reported a XXXX collection to my XXXX  and XXXX reports XX/XX/2023. This account doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
In XX/XX/XXXX I applied for a XXXX XXXX XXXX Credit Card which I have never done before. 

American Express said if I spent {$4000.00} in XXXX months I would receive XXXX XXXX XXXX points on my American Express card ending in XXXX. 

In the month of XX/XX/XXXX I confirmed with numerous agents that I met the qualifying {$4000.00} spend amount and would receive the XXXX points. XXXX such agent was XXXX in XXXX XXXX on XX/XX/XXXX. 

I did not receive the XXXX points and in XX/XX/XXXX I wrote to the CEO of American Express XXXX XXXX. 

I was later told in XXXX that both the phone calls as well as the letter to XXXX XXXX were lost. As the letter I wrote was certified to the CEO so someone at American Express headquarters had to sign for it. 

Please credit to my XXXX XXXX frequent guest number XXXX the XXXX points earned and promised by American Express. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND THIS COMPANY XXXX XXXX IS REPORTING AN ACCOUNT OF DEBT THAT I OWE IN WHICH I DO NOT RECOGNIZE. THIS COMPANY IS NOT LEGALLY LICENSED IN THE STATE OF FLORIDA TO COLLECT DEBT AS WELL. I TRIED TO VERIFY THIS BUSINESS THROUGH XXXX  AND THE COMPANY DOES NOT HAVE ANY LICENSES IN PLACE FOR MY STATE. 

THIS IS THE REPORTED ACCOUNT INFORMATIONXXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX MN XXXX XXXXXXXX XXXX XXXXXXXX BALANCE 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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND THIS COMPANY I.C. SYSTEMS IS REPORTING AN ACCOUNT OF DEBT THAT I OWE IN WHICH I DO NOT RECOGNIZE. THIS COMPANY IS NOT LEGALLY LICENSED IN THE STATE OF FLORIDA TO COLLECT DEBT AS WELL. I TRIED TO VERIFY THIS BUSINESS THROUGH XXXX  AND THE COMPANY DOES NOT HAVE ANY LICENSES IN PLACE FOR MY STATE. 

THIS IS THE REPORTED ACCOUNT INFORMATION. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX OF XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXL Inquiry Date XX/XX/2023 XXXX AUTO Inquiry Date XX/XX/2023 XXXX BANK XXXX Date XX/XX/2023 XXXX XXXX XXXX  FIN Inquiry Date XX/XX/2023 XXXX OF XXXX Inquiry Date XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
On XX/XX/2023 I sent out my letter, I told the credit bureaus to " investigate every piece of information '' on the accounts listed below, I even went as far as pointing out factual discrepancies on my report. Also I have attached the letter I sent them here is the Tracking # for Experian : XXXX. 
Tracking # for XXXX : XXXX Tracking # for XXXX : XXXX When looking into what the FCRA considers to " investigate consumer report '' it shows the credit bureaus did absolutely nothing following the FCRA. " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I stated the inaccuracies directly from my report Accounts : XXXX BANK 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 explanation
Consumer complaint received 2023-08-04 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: FL

Complaint narrative:
I'm reaching out to let the credit bureaus know to knock it off this game they are playing with the banks. i am no fool i am aware the credit bureaus are being monopolized by the banks to dish out higher rates to consumers. i have been closely watching what has been going on with my credit for some time now and i have good information within my credit file reporting to the credit bureaus and yet every time i get close to hitting XXXX i get dropped and i even have a graph supporting my claim that shows score dropping every time i get close to hitting XXXX and every time i check why their is no explanation at all like seen in the image below

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 2023-08-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I missed a payment ; I was told to pay {$90.00} late fee smh. I did and them i was hot with {$150.00} late fee and it kept going up. I asked how ND WHY ARE THE FEES so high. And why if I paid the late fee, am I still be hit with enormous fees. I did not get an answer. Most companies charge $ XXXX {$35.00} late fee. Not {$100.00} and up.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XX/XX/2023, XXXX XXXX XXXX reported a XXXX collection to my equifax and experian and it is not correct and not mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Formal Complaint - Citi Credit Card 's Failure to Protect Consumers and Unresolved Charges Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Protection Agency concerning an ongoing issue with my Citi credit card and unauthorized charges made to XXXX XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXX in the amounts of {$1700.00} and {$1100.00}, respectively. 

Despite my numerous complaints and substantial evidence proving that XXXX XXXX did not complete the promised repairs nor resolve the issue at hand, Citi Bank has failed to protect its consumers from unwarranted charges. The primary concern was a malfunction in my car 's air conditioning system, which persisted even after the services were supposedly rendered. As a result, I was compelled to return to XXXX XXXX on XX/XX/XXXX XXXX XXXX with the same recurring problem. 

The transactions in question were executed without my informed consent and are an egregious violation of consumer rights. I have diligently attempted to address this matter through Citi Bank 's customer service channels, providing substantial evidence and records of communication with XXXX XXXX. Regrettably, the resolution provided thus far has been inadequate, leaving me financially burdened and utterly dissatisfied with Citi Bank 's handling of the situation. 

I find it deeply disconcerting that Citi Bank has overlooked the glaring evidence presented to them, neglecting to rectify the unauthorized charges and protect its customers from such unjust practices. This incident not only undermines my trust in the institution but also raises concerns about its commitment to consumer welfare and satisfaction. 

I request that the Consumer Protection Agency conduct a thorough investigation into this matter, taking into account all pertinent evidence provided in the enclosed documentation. I urge you to hold Citi Bank accountable for its failure to safeguard its customers ' interests and to enforce appropriate measures to rectify this situation promptly. 

My pursuit of a fair resolution is not only in my best interest but also in the interest of all consumers who deserve the protection and integrity that reputable financial institutions should provide. 

I sincerely hope that the Consumer Protection Agency will act expeditiously and diligently to address this complaint and ensure that consumers like me are treated with the respect and consideration they deserve. 

Thank you for your time and attention to this matter. I anticipate a prompt response and a just resolution to this unfortunate situation. 

Yours faithfully,

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