vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 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: Paypal Holdings, Inc
State: NV

Complaint narrative:
I purchased items from a merchant, XXXX, using my XXXX XXXX card through PayPal. I did not receive the items from the merchant. I filed a dispute with my credit card XXXX XXXX and they with held payment. I finally received my items from the merchant and notified XXXX XXXX. XXXX XXXX advised they closed the dispute, and gave the money back to PayPal to pay the merchant. I contacted PayPal who advised they did not receive the money from XXXX XXXX. I ended up paying the merchant using a credit card outside of the PayPal platform. I contacted XXXX XXXX again, and filed a complaint through this agency Consumer Financial Protection Bureau. XXXX XXXX advised they did release the money to PayPal. I have spoken with multiple PayPal Representatives who have told me that XXXX XXXX issued a provisional payment to PayPal and they can not release the money for 75 days, due to the fact that XXXX XXXX can take the payment back. I contacted XXXX XXXX and they advised differently. I don't know who is telling the truth and who is lying, but I hope you can help me get the {$180.00} from either XXXX XXXX XXXX PayPal. I have been trying to resolve this since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: NC

Complaint narrative:
I noticed that there were accounts listed on my credit report that I had not applied for. I also started getting notifications from my credit monitoring services about inquires to companies I have no idea how they go my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I ordered furniture in XX/XX/XXXX. Was told that I would receive it before XX/XX/XXXX. Then I was I formed that I would receive it in XXXX. It kept getting delayed until mid-XX/XX/2021. I received my furniture damaged on XX/XX/XXXX. I I formed the store manager on XX/XX/XXXX. No one reached out to me to discuss until XX/XX/XXXX. I informed them on XX/XX/XXXX that I wanted a refund. I was told that they must pick up furniture first. I kept calling and emailing regarding the pick up but nothing. I called customer service and was told that the store manager put in a request on XX/XX/XXXX. Its been almost 4 weeks since I informed them that I want a refund for the damaged furniture and the store is holding my money hostage. This company did not hold up their end of the contract. They have had my money for 7 months and gave me damaged goods.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2021, I closed my Citi Checking Account ( ending in XXXX ) and Savings Account ( ending in XXXX ). This was done over the phone, and I have a screenshot showing both of the accounts were closed. At all times prior to closure, I maintained a balance sufficient to avoid a monthly fee, and no fee was charged at the end of the XXXX statement cycle. Sometime thereafter, without my consent and without providing any disclosures to me, Citi re-opened my Citi Savings Account ( ending in XXXX ) and charged a fee of {$30.00}, which overdrew my checking account. Citi appears to have reopened this account for the sole purpose of charging me a fee, which is unfair and deceptive as I did not request or consent to the re-opening of my account. The fee was charged on XX/XX/2021. I contacted Citi through chat on XX/XX/2021, and I was assured that the fee would be reversed, and the account would be closed. I have a screenshot of the chat conversation and of the account showing the credit for the fee. I assumed that the problem was corrected, but I received a letter dated XX/XX/2021, where Citi exercised a right of set-off against a different Citi savings account to transfer {$30.00} to the closed account. I have no idea how they came up with {$30.00} given that the account should have been closed and the amount of the fee was only {$30.00}. 

I am extremely concerned that Citi is re-opening closed accounts without consent or disclosure for the sole purpose of charging inappropriate fees and exercising its right to set-off.

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 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Garrison Investment Group
State: CA

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: KS

Complaint narrative:
Ive tried repeatedly to enter disputes on TransUnions digital portal. This was the o only option I felt I had since Ive tried sending supporting documentation by mail and TU denies is has been received. Attached you will find a billing statement dated XX/XX/2021 for XXXX Loan # XXXX. TransUnion is reporting this account as 120 days past due. This billing statement shows the balance and status and paid in full. I want my report updated 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 explanation
Consumer complaint received 2021-07-14 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:
improper use of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Webcollex, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: AES/PHEAA
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Comenity bank keeps lowering my credit limit on my XXXX XXXX  account. I have been on time and current with my payments. I just made a {$160.00} payment for my recent payment. They have taken my available credit that I haven't used. My current credit limit is {$1600.00}. I had over {$500.00} of available credit when they lowered it to {$1700.00} a few months ago. I was saving my available credit & every time I think things are stable they lower my credit limit again. Don't they know when they lower my credit limit this also affects my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hello thank you, I had a Wells Fargo Checking account I thought was closed. 
They sent me a note out of the blue that said they " charged off XXXX $ ( XXXX dollars and XXXX XXXX  ) That amount was their late fees for the unpaid charges to the account for having it open. 
Again I was not aware it was open. 

I did not receive correspondence previous to this charge off, one of the agents said there were no records of letters sent to inform me or to give me a chance to pay this amount. 

meanwhile, I have Wells Fargo online banking and a credit card open with tons of available funds to cover such a small amount and would have thought they would communicate via my secure message or try to call me or something? 

I did eventually get the charge-off letter and the announcement that this would be sent to the XXXX XXXX XXXX as a charge-off. This will make my banking life and applications for credit an issue moving forward. 

The discussions I had were as predicted, to be shifted between departments and eventually sent a letter saying they feel good about the reporting to the XXXX XXXX XXXX. 

I would like to pay the amount and have the notification of my charge off removed from XXXX XXXX Services. 

I also received several calls to clarify this matter from other representatives over the last month or so. I frequently referenced my change of address and shared that information with the representatives. It feels aggressive that the person writing this proclamation ( see attached ) went ahead and sent it to my old address with no phone call. 

Additionally, I did receive a note in my online banking secure message about the charge off ( after the fact ) curious why that messaging option was not used to contact me? I feel the most recent representative is unwilling to acknowledge the limitations of their efforts to resolve the issue and maybe just a mistake? Choosing to simply charge off uncaring of the impact on my credit for XXXX dollars is not great business. I have been working with Wells Fargo since I was XXXX, now XXXX such a shame! 

Please advise.

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 2021-07-14 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: FL

Complaint narrative:
Again, just to reinforce- The credit bureaus are by law according to the FCRA and the FDCPA, to report information about the consumers ( us ) credit report with full accuracy. 

Just recently, Transunion found the XXXX XXXX account to be inaccurate and since has removed the account from my credit file because they found it to be false and fraudulent as well. 
All of the documentation that was sent XXXX and XXXX as well as Transunion and Transunion is the only company to remove the filing. Still waiting on XXXX and XXXX to remove that filing s well. The balance and the last reported date is wrong. 
Immediately Remove. 
In addition, XXXX also is inaccurate and I'm still waiting for them to be removed by XXXX, XXXX and Transunion. How can there by different dates for the last date of activity and the difference is about a year. 
Immediately Remove. 
Also, XXXX and Transunion need to remove XXXX for my credit profile. I want to see the original Note with my wet ink signature on it. Proving the validity of the account. 
Immediately remove.

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 2021-07-14 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:
Again, just to reinforce- The credit bureaus are by law according to the FCRA and the FDCPA, to report information about the consumers ( us ) credit report with full accuracy. 

Just recently, XXXX found the XXXX XXXX account to be inaccurate and since has removed the account from my credit file because they found it to be false and fraudulent as well. 
All of the documentation that was sent Equifax and XXXX as well as XXXX and XXXX is the only company to remove the filing. Still waiting on Equifax and XXXX to remove that filing s well. The balance and the last reported date is wrong. 
Immediately Remove. 
In addition, XXXX also is inaccurate and I'm still waiting for them to be removed by Equifax, XXXX and XXXX. How can there by different dates for the last date of activity and the difference is about a year. 
Immediately Remove. 
Also, Equifax and XXXX need to remove XXXX for my credit profile. I want to see the original Note with my wet ink signature on it. Proving the validity of the account. 
Immediately remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: MD

Complaint narrative:
I have submitted various complaints and written many letters about a bankruptcy being reported on my credit report. It is listed that the information is provided by the XXXX bankruptcy court. I have a letter stating the is not true from the XXXX bankruptcy court. Then I was informed that the information was provided by XXXX was is illegal for a third party to dirt up something then sell it without my written permission. But XXXX did not provide the information because I opted out of their system. I don't give anyone permission to provide my information. FCRA laws state that my permission is needed in order to put things on my credit report and if permission is not granted and I dispute, it should be deleted.

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 2021-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I mailed in a letter XX/XX/2020 asking Comentiy Bank to remove late payments posted on my Victoria secrets account for the following months : XXXX and XXXX of 2020. I was affected by Covid-19 and where unable to make on time payments, due to the lack of flying. I have been current since XX/XX/2020 and ask that these late payments be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I went to Wells Fargo on XX/XX/2021 to open a new checking account I was declined and denied the checking account upon being declined I was given information to where banks pull your information and report from XXXX A different company that banks use to pull your report after calling that company I downloaded my report and discovered several attempts of somebody using my information to try and get loans this is due to some identity theft issues I am having ive been trying to correct several identity theft issues and fraud attempts under my information that I have been noticing on my credit reports from XXXX  XXXX XXXX and XXXX as well due to this identity theft I believe this is the reason I was denied to open a checking account with Wells Fargo because I have no bad making history with anybody I hope that the information I have been providing two different agencies to try and figure out who is using my information can get this problem to stop and correct my credit reports and information so I dont have problems with opening a checking account or applying for credit in the future

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 2021-07-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021 I filed a dispute with my bank Chase for services not rendered and products not delivered. I provided documentation to Chase and made them aware that I was also seeking legal council to handle this matter. I sent Chase photos of my unfinished kitchen, records of conversations between myself and the cabinet company and was reassured that they would handle the manner accordingly. The original date of transaction was XX/XX/2021 for {$3900.00}. The claim was officially denied as of XX/XX/2021, I was unaware because the denial letter was sent to my neighbor instead of me and Chase did not send me an email update about my dispute ( something they have done in previous cases ) I have attempted to get hold of Chase to no avail. The denial letter that my neighbor gave me states that in order to know why my claim was denied I need to contact Chase, but I cant get ahold of anyone. I am extremely frustrated and upset as Ive had to pay for my kitchen again with a different vendor and now this other vendor is also getting paid for services not rendered and materials not delivered. My Chase claim number is XXXX and the Chase phone number is XXXX

Company response to consumer: Closed with explanation