vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: MD

Complaint narrative:
I took a line of credit with Trygrain.com and set up autopay. Monthly I get a statement that has a due date. Apparently the due date is irrelevant as daily they check your checking account balance and if you are, as they call it flush with cash will take the payment. For example my payment is due XX/XX/2023 however they saw that I got paid today XX/XX/2023 and took their payment. 

I contend that this is not appropriate, does not allow me to plan my finances properly and puts me in danger of overdraft fees as I get towards the end of pay cycle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has charged the interest rate that was not discussed prior to me opening an account. I purchased a diamond ring with 0 % apr only to find out that they charged me 29.99 % ....

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 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XXXX XXXX, I purchased a total of 3 serve American Express cards totaling {$1500.00} in the attempt to purchase a car via XXXX XXXX  XXXX  after sending in the initial payment. I was then ask to send another {$1000.00} for temporary transportation insurance Because the car is valued more than what i am paying for it. I reluctantly send the XXXX dollars via XXXX XXXX XXXX pre paid. The time of delivery as pass so i reach out to the XXXX finance department at least thst what i thought. About an update on delivery they responded stating they need another XXXX dollars for temporary state tax, i started to get suspicious so i continue reading the email it also stated the was in my state. So i decided to ask for a refund and thats when all communications stopped. I reach out to both card companies they informed me the card was spent " XXXX  stores '' i filled out all the necessary information for the dispute however the card company declined my refund that is American Express. The other card company XXXX XXXX  did not send me any forms for the dispute currently i am out {$2500.00} I purchased these card to secure my funds and my self..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently submitted my investigation request about this auto loan with XXXX XXXX XXXX and the credit bureaus. I also have court documents proving that this account does not belong to me. Do not close this complaint without sending my complaint to the creditors involved.

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 2023-02-03 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: TX

Complaint narrative:
I have been disputing these inaccurate accounts on my credit reports for some time now. XXXX XXXX and XXXX XXXX are reporting accounts that I did not open or authorize and have filed an FTC for and submitted to each credit bureau and yet they are still reporting these accounts. According to the law these accounts were supposed to be deleted from my reports within 7 days of the credit bureaus receiving my FTC report. I have not received any documents from XXXX XXXX, XXXX XXXX or any of the consumer reporting agencies regarding these accounts with sufficient proof this debt belongs to me. These accounts are also reporting multiple inaccuracies which is illegal. It is my right as a consumer to obtain all documents pertaining to accounts on my reports at my request. It is the responsibility of all consumer reporting agencies to properly investigate disputes and ensure they are reporting accurate information on a consumers reports. I am demanding that these accounts are deleted from my credit reports!

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 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I received a letter from Chase Bank where I have three credit cards on XXXX XXXX. The letter informed me that someone using my name and social security number, tried to obtain a Chase credit card and requested whether I filed an application for a Chase credit card. I was stunned and immediately called Chase and informed them that I did not file an application for a new credit card. Apparently someone used my name and social security number to obtain a credit card. I have also filed a police report with the XXXX XXXX, Rhode Island police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently submitted my investigation request about this auto loan with XXXX XXXX XXXX and the credit bureaus. I also have court documents proving that this account does not belong to me. Do not close this complaint without sending my complaint to the creditors involved.

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 2023-02-03 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: GA

Complaint narrative:
I recently submitted my investigation request about this auto loan with XXXX XXXX XXXX and the credit bureaus. I also have court documents proving that this account does not belong to me. Do not close this complaint without sending my complaint to the creditors involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I visited XXXX XXXX to view a used car with my elderly mother XXXX XXXX, and our close friend XXXX XXXX, during the meeting we discussed financing and the Used Car Manager in plain English advised us that they would require a soft pull or our credit, being an XXXX XXXX XXXX I was well aware that a soft pull would have no adverse effect on my credit or my mothers credit so we agreed. On leaving the dealership we received multiple messages from XXXX that Hard Pulls from multiple lenders had been placed on our credit reports, we dis not authorize loan requests from XXXX XXXX, ally financial, XXXX or any other lender we were merely discussing options. My husband contacted XXXX the XXXX a day later to inquire and the Managed lied directly to him.about the process, all 3 witnesses present clearly understood this was a soft pull and the ramifications of a hard inquiry, I XXXX seasoned XXXX, XXXX XXXX is a retired XXXX  and XXXX XXXX is a Business XXXX, there was no mistake from our interpretation. We would like the Dealership sanctioned and fined for breach of our privacy, manipulation of our credit and the inquiries immediately removed.

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 2023-02-03 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: TX

Complaint narrative:
It is a violation for credit reporting agents to report inaccurate information and I have requested a re-investigation for creditor XXXX XXXX XXXX XXXX but this account is still being reported with incorrect and unverified payment history and account activity dates. This account shows obvious inconsistent incorrect payment history but the reporting agent ( s ) are still reporting inaccurate information after confirmed the account was verify. If the creditor will not verify by sending billing statements, itemize billing and payment history to be accurate and that all account required dates to be correct, please cease this account from my credit reports because of nonfactual unethical reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-03 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:
i pulled up my credit and see a late payment being reported by XXXX XXXX and a collection from XXXX XXXX. I called them and are getting the run arrounds. I have never been late with XXXX XXXX at all. i sent letters to the bureaus to send verifiable proof on how they are reporting this this late payment because i was never late and I was in good standing with them, i have the bureaus letter after letter and i have no got no response what so ever. they are ignoring and my request and this is affecting my credit. the same thing with XXXX XXXX. have disputed this more than 5 times over 35 days apart and asked to send me verifable prroof this is my account. i have no contract with XXXX XXXX nor XXXX XXXXXXXX. THE BUREAUS HAVE FAILED TO RESPOND TO BE OR SEND ME ANY UPDAED INFORMATION. I HAD TO CALL MY SELF TO REQUEST THIS FROM THE ORGINAL CREDITOR AND WAS TOLD TO TELL THE BUREAUS TO REMOVE IT.

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 2023-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Im writing about a dispute the following charge from Caliber Homes Homes. 

XX/XX/2022, Caliber Home Loans Inc {$600.00} I was charged {$600.00} for this appraisal but was given an unfair home appraisal. Ive attached documentation of attempts to dispute the appraisal and repeatedly denied by the Caliber Homes Mortgage Company. The value they gave me does not coincide with what I could get for it and many homes sold in the area at the time. I corresponded with Caliber between the months of XX/XX/2022 and XX/XX/ 2022 to dispute their appraisal as quite wrong and it seemed like they were just wanting to get my XXXX to deny me a refinance. Additionally, I feel like there was some discrimination here as its common for appraisers to appraise less for XXXX and XXXX neighborhoods. This neighborhood is primarily XXXX and XXXX. I sent them 9 homes that sold in the area for more than what they appraised my home in the last six months. 9 homes is a big comparable difference in XXXXXXXX. They appraised my home at under XXXX, this is not even the amount of sales that happened in the last six months. 
I refuse to pay for discriminatory practices and XXXX XXXX XXXX would not dispute the transaction for me anymore. My dispute process has been left to file a complaint for discriminatory appraisal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Technical expert hired through XXXX to remove Malware from company website, after one week and seven billable hours later the issue still remains. By the experts admission was unable to resolve ( see attached documentation ). Request full refund to hire another expert, company website is in critical condition. 

After a month of trying to resolve issue with Paypal they settled the dispute in favor of XXXX, when clearly the work was not done, we hired another company that charged us XXXXusd and was completed in less than one hour

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I was notified of an unauthorized credit inquiry from comenity bank of Ikea on my credit report. I did not authorize this nor try to open an account with comenity. I called them the day I was notified on XX/XX/2023 and confirmed that someone had used my name and SSN to try to open a credit card which prompted a hard inquiry on my credit report. After speaking with the fraud specialist at comenity on XX/XX/2023, she told me that I would receive a letter in the mail stating that I had not initiated the inquiry or tried to open a new account. I received a letter about 2 weeks later stating that comenity needed more information from me before opening a new credit card, which is not at all what I requested. I called again on XX/XX/2023 to request a new corrected letter and was put on hold for about 52 minutes without any help. I called back multiple times and was placed on hold for 10 minutes each time after which I hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 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: NJ

Complaint narrative:
I've been dealing with this for a long as I started looking at my credit since XXXX. My mother had the same name as me. Her information always came on my report. Her past employment. Addresses. Social security numbers and collections. Every time I dispute it they delete and the next day another thing of hers is on my report again. I sent out letters and my picture ID XXXX XXXX  ago to all bureaus and XXXX XXXX  XXXX XX/XX/XXXX after I disputed addresses that belonged to her and her married name showed up on my reports. This morning my report updated that my oldest account was XXXX XXXX XXXX an education loan taken out in XXXX. I was born XXXX. Every time they delete something it comes back. I was denied a mortgage loan because it's a mess. I filed for identity theft end of XX/XX/XXXX. I put fraud alerts on my reports. XXXX I sent pictures of my social security and license to equifax. It just keeps happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX was charged to my XXXX  credit card for a XXXX that was cancelled on XX/XX/XXXX. The doctor 's office that charged my card is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX Ext XXXX. I contacted XXXX XXXX, XXXX XXXX and several other people. They sent me a reimbursement form and insured a refund would be issued, which was completed on XX/XX/XXXX and still I have not received a refund not has anyone in their office returned any of my calls or emails. XXXX has had this dispute since thew beginning of XXXX and still no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo removed funds from my account to pay my credit card. XXXX XXXX the credit card, received payment, and I received proof and confirmation. Then Im told they did not receive the payment and no money was in my Wells Fargo account and I dont know what happened. I just know that I did not have the money after. Then, two days including day payment was made was missing on my Wells Fargo statement. As you will see in attachment 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 2023-02-03 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: CITIBANK, N.A.
State: AL

Complaint narrative:
I called the customer support number for my Citi Card asking them if it was possible to pay off my purchase amount. I also had a Flex Loan. I only wanted to pay the purchase amount as my interest rate was going to go up. They told me absolutely I could pay only the balance on my purchase amount. I asked them what that balance would be as of that day. They told me the amount and I asked them several times before we hung up if I pay that amount it will pay off the purchase amount and that it would be definitely applied to the purchase amount only. They assured me that it would and that this was noted on my account. So I made that payment. When I received my statement on XX/XX/2023 that is not what had happened. The entire amount had been applied to the Flex Loan instead. I did a Chat session with a customer service repXXXX named XXXX. He stated that he submitted the request to get it corrected and they would have this fixed within 3 to 5 business days. I stated my request again and XXXX replied back that it would definitely be corrected and that I would receive an email confirmation and a letter in the mail. I contacted Citi back after it had been the 5th day and XXXX again told me that it was processing to wait a few more days. I contacted them again on the 8th day and they gave me a number to call. I called that number and they very rudely told me that they could not do that. I have been back and forth with them since being even told " maybe it could or maybe it could not '' I would like my payment applied to the correct purchase amount as previously requested and this fixed as they had previously told me that it would be. I have spent hours trying to resolve this and have been treated extremely rudely.

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 2023-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Rent recovery solutions XX/XX/23 has reached out to the current community where I reside and told them I owe this debt to this community. Saying that they should have never rented to me. Due to this debt. 

I have never lived at this community that they are speaking about. 

This has been removed from my credit report and has been replaced back on my XXXX report. 

I can never get anyone on the phone when I call. They will answer and hang up when I am able to get through to someone. 
I need this to be permanently removed from my credit report. 


Please assist me with getting this removed from my credit report

Company response to consumer: Closed with explanation