vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Im in a XXXX  country with one new Citicredit card ( which I wont do again ). I hit my limit which is unusually low from my experience. Citibank advised that I make a payment early using their pay by phone system. I immediately paid early in FULL as they advised. 
Citibank placed a hold on my payment for 7 days due to the large amount and because I paid by phone. The funds have been withdrawn directly from my checking account and I have no access to my credit line. 
I asked them to increase my credit limit, which they declined because I had reached my limit. Which comes first the chicken or the egg? 

I have an XXXX credit score. 
I have no debt, except for this credit card. My homes are paid off. I have a 1 % credit utilization as reported by XXXX. 

I am stuck in a XXXX  country with no access to credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
See attached documents. Remove this personal information that does not belong 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 2023-07-28 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Reported late payments to credit reporting agencies : XXXX, XXXX, and transunion. All of these companies have different information and are not accurate in each report. In accordance with the fair credit Reporting act XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I would like every discrepancy removed from my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I entered an agreement with a solar company XXXX XXXX to install solar on my house. It was funded through Green Sky. The work was to be completed in XXXX of 2023 and by end of XXXX at the latest. I already had existing permits and plans to work off of. The company failed to produce any accurate work to what was agreed upon by late XXXX. Green Sky texted me to ask if it was okay to disperse funds, I responded no because none of the agreed upon work had taken place. Green Sky still sent out over XXXX dollars to XXXX XXXX. XXXX XXXX proceeded to obtain and create their own plans, disregarding my existing ones. The plans XXXX XXXX created were inaccurate to what we agreed upon. I contacted XXXX XXXX to let them know about the inaccurate plans and permits. XXXX XXXX sent a text saying they would no longer complete the project and voided the working contract. Green Sky tried to recoup the funds that I told them not to send out but left me with {$1500.00} in a balance. I asked Green Sky to request full refund since XXXX XXXX broke the contract and provided no work. Green Sky said the XXXX solar kept the funds because of 12 hours worked on the project. 

In conclusion, Green Sky sent out unauthorized funds from my account. Refused to refund the money and is expecting me to pay out money back to them for funds I asked not to be dispersed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
In detail, Chexsystems is reporting that I have a XXXX XXXXXXXX amount with XXXX XXXXXXXX XXXX  XXXX on or around [ XX/XX/2019 ]. I am disputing this report because I believe it to be inaccurate, false, and fraudulent 15 USC 1681. I am requesting evidence of this unresolved outstanding negative report from [ Chexsystems ].

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 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/23 I called Bank of America ( BOA ) as I was trying to set up AutoPay on BOA 's website. It listed in the About Amounts that Fixed Amount could be used. As I clicked the drop down, the Fixed Amount option was not made available. They only gave two options in which BOA is determining the amount paid back. As I called in to better understand why the option is listed on the BOA website but is not made available. I was told it was taken away last year. I explained that the financial institution ( BOA ) does not have the ability to determine the amount paid back within an AutoPay system unless a lien is held against that consumer. The woman on the phone kept deliberately calling me the wrong name and telling me they no longer offer that option despite it being listed on BOA 's website and then hung up on me. Why does a financial Institution get to determine or limit my options as a consumer as to how much I want to pay back my credit card within an AutoPay system?

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 2023-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
Someone called my bank and fraudulently tried to clean out my checking account and and when there wasn't enough they cleaned out my savings and over drew that account. The money never left my checking account and the account was frooze. 6 weeks later i closed my accounts and 1 month after that the bank placed me into collections for my overdrawn savings account that they overdrew! I didn't know about it untill I got turned down for a mortgage.

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 2023-07-28 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: WI

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified discrepancy 's with my credit profile and the accounts that you are reporting. I have requested for these accounts to be reviewed to ensure that everything was reporting 100 % accurate. I also requested validation of these accounts. I reviewed my credit report again on XX/XX/XXXX and to my surprise, the accounts continued to reflect on my credit report inaccurately and I did not receive any correspondence from creditor to validate the accounts. The accounts were not updated to reflect that they were disputed and therefore, another letter was sent requesting an investigation. 2nd letter was sent out on that day. After reviewing credit report again on XX/XX/XXXX there have still been no updates and the accounts were still reflecting on the report inaccurately. I continued to send out letters monthly to try to correct your reporting errors and the only update provided is " Account previously in dispute- now resolved by data furnisher ''. My concerns are not being addressed after multiple attempts to have my profile corrected and the accounts continues to negatively affect me. Please remove the following accounts from reporting to the bureau until adequate validation has been received proving that all information is 100 % correct. XXXX Account Number : XXXX XXXX Account Number : 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 2023-07-28 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
See attached documents. Remove this personal information that does not belong 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 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
MEDICAL DATA SYSTEMS ; XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A letter and phone conversation that I was NOT this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
The first call is to a number I do not have listed with any creditor. 

On XX/XX/2023 at XXXX, I received the first call from Credit Corp Solutions trying to get ahold of me from the number XXXX. I informed them that I would not be verifying any information and that they should communicate via mail only and that any attempts to contact me by any means would be a violation of the FDCPA. The caller then got aggressive trying to get me to identify myself and to find out if I knew the debtor. I informed him once again he is violating the FDCPA by continuing the call then I hung up. 

On XX/XX/2023, my mother received a phone call from ( XXXX ) XXXX at XXXX. The person on the phone refused to give their name and company then continued to badger her into giving them my information. I told her to hang up and I will call them back. At XXXX, after doing research, I called them back to see who called. I spoke with XXXX XXXX XXXX XXXX XXXX and informed her that her company has violated the FDCPA by continuing to make calls to others to get ahold of me in addition to harassing my family. I informed her that they only had my permission to communicate with me via mail only. She remained quiet so I hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
The Company Lexis Nexis is reporting public records that I have a 100 % discharge on my report and that is inaccurate. I have no discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have reached out to Citi Bank two times in the month of XX/XX/2023 to confirm if I have met all the requirements so that I can earn the promotion of XXXX Advantage miles. One representative confirmed earlier in the month that I have completed and met all requirements and that it will take 30 days for my bonus miles to appear in my XXXX XXXX XXXX account. The second representative who I spoke to today also confirmed that I have completed and met all requirements, however they are telling me that I have to wait 90 days. Please help me! No one at Citi Bank seems to be on the same page with accurate information. On my offer letter ( attached ) it clearly states that after I complete and fulfil all requirements that the bonus miles of XXXX Advantage miles will be deposited in 30 days. As of today it has been more than 30 days and still no bonus miles received.

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 2023-07-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
RECEIVED A PROMOTION FROM CITI BANK ( PROMO : XXXX ) IF I DEPOSIT OVER {$75000.00} WILL RECEIVE {$1000.00} AFTER 3 MONT OF THE DEPOSIT, I OPENED THE ACCOUNT ONLINE AND USED THE PROMO CODE BUT WAS NOT PROVIDED WITH AN ACCOUNT NUMBER, SO I CALLED THE NEXT DAY TO GET THE ACCOUNT NUMBER AND WAS TOLD IT IS NOT AVAILABLE YET, CALLED FEW TIMES ON THE NEXT FEW DAYS, THEY TOLD ME FOR SECURITY REASONS THE COULD NOT GIVE THE ACCOUNT NUMBER OVER THE PHONE, WENT TO THE NEAREST CITIBANK BRANCH AND THEY COULD NOT HELP ME ALSO. RECEIVED THE CHECKS AFTER TWO WEEKS AS THEY SEND THEM TO THE WRONG ADDRESS ( THE ADDRESS ON THE CHECKS THEMSELVES IS WRONG ). 
I IMMEDIATELY INITIATED THE TRANSFER FROM MY XXXX BANK TO CITI WHICH TOOK THREE BUSINESS DAYS TO BE VERIFIED AND TRANSFERRED {$79000.00} TO CITI BANK BUT I WAS TOLD NOW THERE IS A HOLD PERIOD OF UP TO 3 WORKING DAYS BEFORE THE ACCOUNT IS CREDITED.

NOW I'M TOLD THAT I DO NOT QUALIFY FOR THE PROMOTION AS I SHOULD HAVE MADE THE DEPOSIT IN LESS THAT 21 CALENDAR DAYS, WHICH IS IMPOSSIBLE CONSIDERING ALL THE OPESTICAL I HAVE TO GO THROUGH. 
FILED A COMPLAINT # XXXX WITH CITI BANK BUT WAS DECLINED.

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 2023-07-28 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Equifax is reporting XXXX XXXX on my credit report even though it is more than 7years old and has already been removed from XXXX  and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: TN

Complaint narrative:
I have had a Discover card for over XXXX years and always have had my account set for automatic payments. 

In XXXX my checking account was compromised by criminals and my bank said that I would have to close my checking and get a new account with a new number. 

I called Discover on XX/XX/ and notified the rep that I had a new checking account number and that I wanted to manually process my XXXX payment and that I wanted my old checking account deleted and the new account added for automatic payments going forward. 
I read my new account number to the rep no less than four times. 

I ended the call, thinking that all was well and thought no more of the issue. 

On XX/XX/ during the middle of the day, I received a call from the collections department at Discover. 

I explained to the rep on XX/XX/ what my conversation with the rep on XX/XX/ was and how I had given them my new checking information. 
The phone rep said that Discover had tried to process my payment on my OLD account and that it had been returned. 

I gave the rep my checking information for the FIFTH time on XX/XX/ and she processed my payment and said she was adding the account to automatic payment. 
The rep went further to tell me that Discover would listen to the XX/XX/23call and would find out why the rep failed to perform his job. 

I left the call on XX/XX/ feeling that my issues were resolved and no further action was required on my part. 

OXX/XX/23 Discover did not process my automatic payment as they should have. 
Discover reported me as late on the credit bureaus. 

On XX/XX/23Discover reduced my credit limit from {$33000.00} to {$24000.00} which caused me to be over my limit, and also began charging me the " default '' rate. 

On XX/XX/ I called Discover, spoke to a rep named XXXX in the XXXX call center ( XXXX is her supervisor ). XXXX assured me that she would look into this issue and that she would call me back on my cell phone onXX/XX/23 at XXXX XXXX. 

XXXX never called, I waited until XXXXXXXX XXXX and called Discover onXX/XX/23I spoke to a rep in Ohio named XXXX. XXXX was very professional and at present says that he is still looking into the matter. 

I need for Discover to remove the late payment report from my account and from the credit bureaus immediately. 

I want my credit line restored back to {$33000.00} where it was prior to XX/XX/ and any default apr to be removed and the apr to reflect a customer in good standing. 

I want a written apology from DISCOVER. I have NEVER BEEN LATE paying DISCOVER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased my home for $ XXXX in XX/XX/2020 using Wells Fargo for the mortgage. The loan currently has a principal balance of $ XXXX. The home is currently worth $ XXXX according to their automated valuation model ( AVM ). My current XXXX ratio is 68 %. 

I called to have XXXX removed. Wells Fargo refused based on the current information. Wells Fargo is using the XXXX value calculation to exclude people from having XXXX removed, but not allowing people to use that same valuation to prove a lowered XXXX for removing XXXX. A " heads I win, tails you lose '' situation. 

The options given to me were to write a {$450.00} check for Wells Fargo 's valuation, or a much larger check for the rest of the principal. 

I offered to pay for a third party XXXX and send it in to prove the home 's value, even though Wells Fargo already has the XXXX number. They to refuse to honor any XXXX I order, and reiterated I can either write them a check for {$450.00}, or a check for the rest of the necessary principal. {$450.00} is a gross overcharge they're leveraging because they claim I can't use any other option.

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