vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I made a purchase at Arhaus. It was to be no interest until XX/XX/XXXX if you spent XXXX or over ; which I did. The wrong sofa was delivered and I had to return it and purchase a new one that cost an additional XXXX. All was put on the Arhaus credit card issued thru Comenity Bank.. The additional charge of XXXX was additional for the new sofa and was to be purchased all as a new item as the other sofa was returned and credited to me. Instead Arhaus did not do the intitial purchase as a return and just added the additional XXXX as a new charge would would then change the interest term to XX/XX/XXXX. I have tried to work this out with Arhaus comenity bank but they refuse to give me credit for the interest charged. The credit card company refuses to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
On or about XX/XX/2021, I opened a checking account at M & T Bank located bat XXXX XXXX XXXX XXXX, New Jersey XXXX. I have not received a banking statement documenting my deposit/transaction and I voice my displeasure. I would like to receive monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: PA

Complaint narrative:
I submitted a dispute and FTC report for a fraudulent account and it still has not been deleted. 

XXXX & Transunion : Name of Account - XXXX XXXX XXXX {$1600.00}

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 2021-10-21 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: NC

Complaint narrative:
I sent a dispute letter to the XXXX, XXXX, and TransUnion on XX/XX/2021 and I have not received any results. I'm not expecting them to respond in 30 days but it's been 3 months. I need to get answers and responses from the bureaus.

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 2021-10-21 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: NC

Complaint narrative:
On XXXX I sent dispute letters to the credit bureaus and I'm still waiting on the results of my disputes. I'm not sure how long they have to respond but it can't be 3 months. I need help getting answers from XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC
State: NC

Complaint narrative:
Account Name The XXXX XXXX XXXX Account Number XXXX Date Opened? 
Balance {$170.00} Collections is not from original creditor. I do not owe GB Collects, LLC- ( account # XXXX ) {$170.00}. I never heard of GB Collects , LLC and I never did a contract with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: NY

Complaint narrative:
I have contacted Experian via certified mail, affidavit and with proof of my identification and demanded that they have remove the inaccurate addresses immediately from my credit report on XX/XX/2021. Till this day they have not removed the inaccurate errors, nor showed in a detailed fashion regarding there sources how they investigated my dispute. I must be compensated for these violations. 


I have contacted Experian via certified mail with return receipt on XX/XX/2021 for them to validate the debt, along with proof of my identification.Till this day they have not removed or validated the debt which means the inaccurate errors need to be removed immediately. I must be compensated for these violations.

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 2021-10-21 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: CITIBANK, N.A.
State: IL

Complaint narrative:
My Macys American Express decreased my credit limit from {$3500.00} to {$1800.00}, and never informed me about it. 
I was contacting this creditor and they said that I did not use the credit card so long, and that is why they decreased the credit limit. 
Then after that my credit score dropped 6 points.

I just was so sad about it and finally closed this credit card.

Amount decreased at the beginning of XX/XX/2021 I was contacting them in few days after Account closed approximately XXXX XXXX. 
I always pay my bill earlier. 
Now I have a mess at my credit history! 
Please help me to get it fixed. 
Thank you!

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 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am very aware Banks like XXXX XXXX XXXX and Wells Fargo having been doing the following. 
Currently, my complaint is with Wells Fargo because it is just really deceptive and fraudulent. 
When a debit is made it is automatically taken from the available balance but is listed as pending for a few days.That 's fine. BUT here is the problem,,,, they have been listing posted transactions for one date then they reshuffle the account to make the initially posted transaction date for another later date thus incurring overdraft charges. 
For example,, I made a purchase for {$210.00} on the XXXX,, It posted by the XXXX. I made a deposit on the XXXX for cash {$100.00}. My balance said $ XXXXThe next morning my account said - {$120.00} and that the purchase of {$210.00} was posted on the XXXX but was already posted on the XXXX. 
The online bank representative alleges it was listed as pending until the XXXX,, which is not true. As well,, he alleges merchants are given 30days to collect funds,, that also is fine but the deduction is already reflected in the balance and is not debited back into the account. 
I even was able to obtain a cash overdrawal of {$200.00} after the XXXX,, but had deposit of {$350.00} but was charged for that overdraft,, so they reshuffled again to take another overdraft fee. 

This is unethical,, a balance is a balance,, a posted item date can not be changed to a future date to incur overdraft charges,,, it is actually charging me for one item more than once.

Then they hide the reshuffles,, so that the latest one is what is seen,, they do not provide the previous reshuffled balances,, this is completely illegal,, I should be able to see ALL changed statements which reflect ALL the changes they made.

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 2021-10-21 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: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

8. Identity Theft USDOEXXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

14. Identity Theft Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2021-10-21 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: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: VA

Complaint narrative:
XXXX XXXX XXXX, the loan originator XXXX XXXX XXXX and Paramount Residential Mortgage Group, XXXX MUST NOT be allowed to do hard inquiries on my credit without my official consent, But since they do not care ( no matter how many times I ask not to ), I decided to submit a complaint here and should be a lesson so they stop harassing people. 
So the story is we decided to refinance our mortgage last spring and Paramount Residential Mortgage Group XXXX XXXX was suggested, the loan originator XXXX XXXX XXXX pulled our credit on XX/XX/2021 through the XXXX XXXX XXXX for the first time off course with our consent and approval and started the process but due to some financial complication we stopped the refinancing process at that time. 
Later again on XX/XX/2021 XXXX XXXX XXXX this time WITHOUT our approval and written consent opted for a hard inquiry on my credit. We just called and talked to him not to do this ; and we tried to think it was with good intentions to help us take the advantages of the lower rates. 
But AGAIN on XX/XX/2021 he did another hard inquiry through XXXX XXXX services on my account absolutely WITHOUT my written consent, not even some verbal heads up, and I got the notification of this and the negative impact ... I thought I can not live with this anymore, this is very rude, inconsiderate and bothering..this is not right! 
I just called and complained but since they might not care and I am sure this will happen again and again -not to only me but others- I decided to submit a complaint here to let the companies know what is happening and prevent their employees from harassing the customers. I do not even know how to and with what language I tell them that leave us alone, plans changed and we do not want refinancing anymore! XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got a reservation on XXXX for a night on XX/XX/XXXX to XX/XX/XXXX for {$190.00}. At the XXXX XXXX in XXXX XXXX. But when I got there the hotel was full. And I've been trying to get my money back, and they would not help me. I also contacted my bank and they denied my dispute. And I find that it is messed up to stay at a hotel, find that it is full and they won't give me my money back.

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 2021-10-21 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
DISPUTED XXXX XXXX THE ACCOUNT WAS DISPUTED AND REMOVED FROM CREDIT REPORT AND IT WAS PUT BACK ON THATS ILLEGAL I WANT THIS TAKEN OFF MY CREDIT REPORT

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 2021-10-21 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: OH

Complaint narrative:
On date XX/XX/XXXX, I discovered ( XXXX XXXX XXXX/ XXXX XXXX XXXX with a account number according to my credit report begin with XXXX ) had been re-inserted into my credit file. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I was requesting Experian to please delete this item immediately. 

I read alerts on XX/XX/XXXX dated XX/XX/XXXX an unathorized dispute was place for XXXX XXXX stating it will take 30 days to complete then another alert dated XX/XX/XXXX same a second alert stated update completed and upated XXXX XXXX verified then place on my credit report. How is this possible that a dispute was fruadulantly placed under my Experian credit report that I never filed for XXXX XXXX then XXXX XXXX to be reinserted after 3 years XXXX that was reported as ID theft. I believe Target company somehow placed a dispute on my credit report for there company that was never on Experian, XXXX, or XXXX credit report for the year of XXXX Target bank was not on XXXX XXXX, nor Experian my credit report in XXXX. A unauthorized dispute for XXXX XXXX credit was fraudulanlty made that I did not authorize Experian because it was never on my credit file in XXXX. I have copies of my credit file for every month and days in between and XX/XX/XXXX theres was no XXXX XXXX credit account on my file. I believe a representative from XXXX made a dispute in my name XX/XX/XXXX without my permission to reinsert their company on my credit. How did Experian accepted a dispute on XXXX XXXX or on any company that was not on my credit file?

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 2021-10-21 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:
On XX/XX/2021 I sent letters to the Equifax to notify them that I am a victim of identity theft and there was an account reporting on my credit report that does not belong to me as of today XXXX XX/XX/2021 this inaccurate/fraudulent account remain on my credit report and I am interested in your assistance in having my credit report updated to reflect accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I went to visit the XXXX XXXX  about 3 times. The 2nd time I went to the XXXX  I was told I needed to fill out an application and I did. And she assured me they would not run my credit until I was ready to move forward. After I viewed the apartment she called me and said that I owed them {$35.00}. I didn't understand why she said that cause I was not ready to move yet. It was probably a month latter when I went back for the 3rd time. My girl friend went and spoke with the same property agent looked at 2 different places at the property and called to tell me to go look before making my final decision. I called and spoke to the same property agent who told me she would show me the property as long as I paid the {$35.00}. I went and I spoke to the agent gave her the {$35.00} money order. and then she said I still owed {$75.00}. I needed to pay that before viewing the apartment I told her I was not paying that because I was not ready to move there. Then she told me that if I didn't pay it they would send me to collections. I told her I haven't said I was ready to move in or even submitted a full application neither have I given you the go ahead to run my credit. They have not ran my credit but they sent me to collections with all 3 burrows which has affected my credit score. I found out cause I had to buy a car last week and the rate was hire because of the collection

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 2021-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I sent a electric bill payment from my account on XXXX for {$110.00} to my mortgage account OnXX/XX/XXXX I received a call from my mortgage company asking me to make a payment. I let them I send a electric payment from my bank on XXXX and they said they do not accept electric payments. I contacted my bank to see what was going and to cancel that payment because I had to payment over the phone. After speaking with my bank I was told that they were unable to cancel or recall the transaction because it was sent as a electric transaction. I let them know that my mortgage company does not accept payments that was and I needed to get my money back. I had to escalate my compliant because the company that it was sent to did not have my payment and was unable to locate because it was sent to a lender who I don't have account with. My bank is telling me that there is nothing they can do to help me get my money back and when I reached out to the company it was sent to they are saying I have to contact my bank and they do not have my transaction. I have exhausted all my actions and have done everything I was asked from both parties and I still don't have a resolution. I really need help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
{$460.00} was paid to me using PayPal on XX/XX/XXXX. It was been on hold during that time. PayPal will not release my funds to me, it is now XX/XX/XXXX. This is an unfair arbitrary hold on money that is rightfully mine. As a payment service they have committed fraud against me the consumer since they have held my funds in their possession and thereby refused to complete the act of payment. I also paid a fee for this payment that has not been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: VA

Complaint narrative:
I applied for and completed a refinance application for a 1.98 % APR refi on XX/XX/2021. All information was provided as requested by XXXX. 

On XX/XX/2021 after spending many hours scanning and uploading documents, I received the following message from XXXX. " Congratulations! You're conditionally approved. Now, we're just waiting on a few third-party documents to complete your file, then we'll start our final review. '' I was told by my agent XXXX XXXX that the loan was good to go if we rolled in a current car loan also. This would satisfy debt to income ratios per XXXX. 

Over the next month, I asked for but never received a final closing disclosure with the car loan incorporated. After repeated requests, still nothing. 

On XX/XX/2021 I was called by a manager and told that the original loan that I was told I could obtain was now not possible. 

Over 2 months from starting this process, interest rates have now gone up and I have lost an opportunity to save {$400.00} per month or ~ {$28000.00} over the term of my new loan. 

I will be looking into any legal action I can take due to the false statements and negligence of XXXX in order to recover the savings I would have realized had they followed through with their loan commitment. 

I have email correspondence to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are a few accounts on my report that I do not recognize

Company response to consumer: Closed with explanation