vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is with Citi Accelerate High-Yield Savings Leveled Bonus Offer ( https : //banking.citi.com/cbol/22/Q3_2/r2c/HYSA/default.htm ) When opening this Citi account in XX/XX/XXXX, it was advised that there will be a {$450.00} Cash bonus credit to the account if we put $ XXXX deposit within 20 days after opening and then keep that balance for 60 days. Received email confirmation from Citi about the term and eligibility. I've followed the steps but no credit showed up after waiting for 90 days specified in the term so called Citi support, was told that I should just wait for the credit as it takes time to show up. XXXX of the customer support checked my account and confirmed that I did all my part and should be receiving this cash bonus. An inquiry was logged on XX/XX/XXXX and I was promised to hear back from Citi. Cti customer support issued a XXXX time credit of {$150.00} ( not {$450.00} ) on XX/XX/XXXX but on XX/XX/XXXX this credit was taken back while I still haven not got any update on the inquiry. It has been more than a month of wait since the inquiry was created. On the call I was promised to hear back from Citi within 7 days since XXXX. Overall I have called at 8+ times on this issue and had to go through long wait on the line but there was no progress. 
Now I've lost my confidence with Citi and will be closing this saving account after I finish transferring the fund to my other bank.

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 2023-03-08 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I made a purchase on my New York and Company credit card with the online store. I return a top to them and they received the return in their warehouse on XX/XX/XXXX. However, the store indicates that they received the merchandise on XX/XX/XXXX. I have not received a credit for the shirt as of today. 

I have called New York and Company over 15 times about my credit. The same person answered the phone for all of the calls. I found that strange. I had New York and Company Bank to do a three way call with me to the actual online store. The same person answered the phone again. They told both of us that they are short staffed in the warehouse and were processing refunds from XX/XX/XXXX. 

I called New York and Company Bank today and was told by XXXX XXXX id # XXXX ) and supervisor of XXXX ( id # XXXX ) that I could just missed the payment of {$54.00}. Once they complete their investigation in 90 days that they would give me the credit at that time. I asked about my credit being ruined from the late payments. They basically told me do not worry about it. 

I just paid the {$54.00} so that my credit would not be ruined. I want my refund issued to me in the form of a check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
Through XXXX XXXX I used XXXX XXXX XXXX through Comenity Bank. It was a two part promotional plan, one ending XX/XX/XXXX the other ending XX/XX/XXXX. Upon receiving the first bill I contacted customer service to get a full understanding of my plan and to make sure at the end I would not accrue interest. It was explained that my total amount due by XX/XX/XXXX divide that by the number of months before plans ends. That gives you a monthly figure to pay. To assure this was correct, I called back a second time and spoke to a different representative who explained it the same way. So once the first part is paid off, I have until XX/XX/XXXX to do the same for the second part. Follow that same payment plan and you wont accrue interest because your paying your balance off before it ends .On the first part of my plan I had the balance left of {$280.00} which was due by XX/XX/XXXX. I made that payment on line XX/XX/XXXX. When my account billed which would have my balance for the second part of my plan due in full by XX/XX/XXXX, I was charged {$850.00} in interest on an interest free promotional plan. When I called and spoke to a representative, I was told that I was charged interest because I should have been paying a minimum payment for the second part plan while I was paying on the first part plan. Even though I was paying more than the minimum payment due, I should have been adding extra for the second part. This is not how the plan was explained. And why give me a expiration date of the plan of XX/XX/XXXX if i had to pay it off as i was paying on the first promotional plan? The representatives obviously didnt understand the plan, because on more than one occasion it was explain by Comenity Bank Representatives . Why have a two part plan if your expected to pay on both at the same time. Bill me for both and show me on my bill what my payment is for each. I paid off both my promotional plans, with no missed payments and paid off by the date required. Comenity has added accrued interest of {$900.00} that I feel that do not owe. The balance is all interest added on after I paid the first plan in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I made a payment of {$72.00} to my Kohl 's card and at that time I set up {$50.00} reoccurring payments as I have on all my credit cards. At the time I set up the recurring payments I only had a {$69.00} balance. On XX/XX/XXXX I was hospitalized with XXXX and stayed in the hospital 5 days. During my time at the hospital my Kohl 's payment came due. However, Kohl 's never deducted the funds from my bank account. 
I stayed off work sick for approximately a month, on XX/XX/XXXX I received a bill from Kohl 's for {$140.00} and when I looked at my statements, I realized the auto pay never processed. I immediately called Kohl 's and paid the balance in full. However, the payment was over 30 days delinquent because Kohl 's system did not automatically deduct my payments as requested. 
Kohl 's then reported my delinquency to the credit bureau. Upon further review of my statements I realized that Kohl 's not only reported my delinquency they charged me {$73.00} in fees which was more than my balance, due to their system not honoring my request for auto payment. 
I called Kohl 's and spoke with one of their agents and requested they remove the 30 day delinquency from my credit bureau and they declined to due so. 
I would like for Kohl 's to remove the derogatory credit delinquency from all three of my credit bureau 's. I'm willing to take the monetary loss.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. 
Now I received a notice from XXXX XXXX XXXX XXXX stating that I owe Wells Fargo $ XXXXHow is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. 
XXXX XXXX  sent me the same notice from the same collections agency 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 monetary relief
Consumer complaint received 2023-03-08 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: CarMax, Inc.
State: NC

Complaint narrative:
On XX/XX/2023, I did a pre-qualification on the CarMax website, and, after getting my pre-approval terms, I opted out and took no further action. I then received a separate text message from CarMax ( that I first ignored ), then it was sent again, and I said " Yes '' ( just so I can speak to a live representative about the hard inquiry I had just received on my credit file ), and I started to receive even more alerts about a hard inquiry on my credit. When I responded to the same message and asked if a hard inquiry was run on my report, the agent who responded ( who I was later told is not a live person, but a computer-generated response ), the " agent '' never responded and I was never contacted by anyone to discuss the issue or even " the financing options '' that ( I never asked for or went through or agreed to ). What CarMax did was took my pre-qualification and ran a hard inquiry with a lender ( XXXX XXXX ; whom I also contacted ) and took my " Yes '' in the text message as some sort of agreement or permission from me that I never gave or even had the chance to discuss with anyone. I've called CarMax numerous times and left my complaint on their survey, chat, and with more than XXXX CarMax Representative for a Manager to call me back. I'm still waiting on that. Again, I reached out to the lender directly ( XXXX XXXX ) and still waiting on a response. I'm finding out that this is a common practice they do on new customers and finding out, even more, that no one wants to take responsibility for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. 
Now I received a notice from XXXX XXXX XXXX XXXX stating that I owe Wells Fargo $ XXXXHow is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. 
XXXX XXXX  sent me the same notice from the same collections agency 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 monetary relief
Consumer complaint received 2023-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2023 I call Transunion to report that I was alerted that my information was located on the " Dark Web. '' I checked my credit reports and found several unauthorized inquiries on all three Credit reporting agencies. I was able to dispute them with both XXXX and XXXX, however, Transunion stated that I had to go this route.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have been paying to receive all three reports via experian and i have not been able to obtain all three since last XXXX every month it updates but the date still states XXXX. I have attached proof. it has been extremely frustrating to get help over the phone. in good faith im asking you to refund all monies paid for the reports not received. i have attached proof that i haven't received it since then. please do something about calling in because the automated system makes it extremely difficult to get any help. i pray we can resolve this an i be refunded in a timely manner or i will file arbitration for breach of contract due to you not holding up your end of the agreement.

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 2023-03-08 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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Please do not mark this issue as a duplicate. There have been updates to my report so this complaint is based on the updates, so it is an entirely new complaint. 

It looks like we are making progress because now Hyundai at least corrected how they were marking my account as delinquent for the time period before receiving the invoice! They also finally applied a payment to my account. The problem is that there are still negative remarks that do not apply. Please see attached documentation and do not simply take Hyundai 's testimony as fact- they have a documented history of making false remarks on consumer 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 explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
In XXXX of XXXX, I purchased an XXXX XXXX as part of my XXXX XXXX. 

One year later, XXXX of XXXX, I paid the phone off early and moved my service to XXXX. 

Unbeknownst to me, XXXX continued billing me $ XXXX for data charges for the remainder of XXXX with the final balance being {$230.00}. These bills were being sent to an old XXXX address that I was no longer using so I was unaware of the charges. 

In XXXX of XXXX, XXXX moved the account into collections at IC System. 

After being contacted by IC System, on XX/XX/XXXX, I paid IC System {$230.00}. I paid the amount IC System said was due to XXXX and was informed that the account was paid in full. At that time, the account was not showing up on my credit report. I received documentation from IC Systems stating the XXXX account balance was XXXX. 

In XXXX of XXXX, I saw that I had a collection from XXXX for {$2.00} on my credit report. I contacted XXXX, was told there was still an outstanding balance, even after IC System said the balance was paid in full, and I paid them {$2.00} at that time. The {$2.00} plus the previously paid {$230.00} equals {$230.00} which was the amount of my final bill from XXXX that I just recently found in my old XXXX email account. I dont know where the disconnect was between IC System and XXXX on the amount due but it has caused nothing but issues for me. IC System collected the wrong amount and XXXX put the remainder ( {$2.00} ) on my credit report. 

It was in XXXX of XXXX that XXXX first re-aged my account on my credit report. At that time, it had been appearing as a charge off dated XXXX of XXXX. After I paid the {$2.00}, they changed it to XX/XX/XXXX. 

Although I paid the full {$230.00}, the account is still showing on my credit report as legally paid for less than the full balance. 

Im working on getting a business line of credit and need to have this XXXX collection removed off of my credit report. I contacted XXXX and asked for a goodwill deletion. I had been a customer for many years, never in collections, and paid the amount that was due after the account was closed immediately upon learning about it. 

XXXX replied back declining the goodwill deletion and stated that the payment I made was made in response to a negotiated settlement offer. Not true. 

Just this past week, I am seeing that XXXX has once again re-aged the charge off. This time it is appearing as XX/XX/XXXX making it look like a fresh charge 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 explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I had 2 properties mortgaged with Wells Fargo and they improperly foreclosed on one property in XXXX  after I made a large pmt and they promised they would take out of foreclosure and would not let me modify the mtg. Once I made the apyment, the foreclosed the following day. The 2nd property I own was modified after over a year of attempts and another large pmt made. Wells Fargo charged inspection fees, attorney fees and other costs which was what caused me to fall so far behind and I should be part of the recent lawsuit to reimburse consumers due to this.

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 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: TN

Complaint narrative:
I attempted to open an account on XX/XX/2023. I unfroze my credit report, and was told I was denied an application due to information in XXXX. There is no negative information in the report. They won't disclose any details about why my application was denied and refer me back to XXXX. 

I have high income & high credit scores ( XXXX ). 

I have a right to know what specifically caused my application to be denied. They repeatedly refuse to disclose any details. There's nothing in my report that would deny me an account, and in fact, I opened an account with another bank just 4 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XXXX  XXXX, 2022 I received a fraudulent iquiry on my credit report from XXXX XXXX and Experian. I believe someone tried to use my personal social security number to acquire a XXXX Credit card. I have called XXXX XXXX  and spoke to someone and requested a deletion or removal letter to be sent to Experian credit bureau. This was took place going on over 3 months now and I have yet to receive a deletion letter nor do I see it removed from my hard inquiry. I did not authorize this transaction and I would like this is be removed as soon as possible. Thank you so much!

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 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX XXXX previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. 
Now I received a notice from XXXX XXXX XXXX XXXX stating that I owe XXXX XXXX $ XXXX.How is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. 
US bank sent me the same notice from the same collections agency XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 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: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.

Company response to consumer: Closed with explanation