vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Guys I am very upset. I honestly want to file a complaint against you the C.F.P.B. but I don't know how to do that. Should I complaint with the attorney general? Write a letter to the president? 

I filed two complaints hoping you would help me because I spent months trying to get Wells Fargo to remove an account they say is from 2014  but it's much older! when I ask for their proof they keep saying they will send it but they don't. Even when I go in person to the branch, or call them, or write them. Now you are doing it too!!! 

I keep getting your responses saying I didn't write this complaint or that you need more information from me but don't tell me how to give it to you. HOW AM I SUPPOSED TO GET IT TO YOU!!! And what more information do you need? Wells Fargo isn't giving me documents after numerous requests. That should be all the info you need. I also told you in my previous complaints that the loan was for something I acquired with my ex-wife. I got with my new wife in the summer of 2014 so I couldn't have obtained this loan in 2014 and I wouldn't have continued paying for it once I got with my new wife. Is this a conspiracy against me? Does Wells Fargo have you in their pocket book? DO I have to contact other companies against you? DO THE INVESTIGATION! 

By the way, I got someone to do a spell check and grammar check since you don't think this was me filing the complaint. I'm sorry if my poor grammar was beneath you. Maybe now you will accept this complaint and actually do something about 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 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.

Complaint narrative:
On XXXX, XXXX I sent a wire transfer to a business XXXX XXXX to pay for my stay in XXXX, during my vacation. 2 days later, Citibank sent a message to me saying that it was blocked ( later cancelled ) because they couldn't connect with me to verify my account. 
So, on XX/XX/XXXX I called Citibank and they asked questions to proceed with the release of my wire transfer which simply doesn't happen at all. 
I spent 5 hours over the phone last week with 4 different Citi agents and no one could complete their verification process saying that I don't have a US phone number which is transparent since I opened my account : I live in Brazil and all my personal phones are brazilian ones. 

Today ( XX/XX/13 ) I spent over XXXX hour on the phone until the call was finished without any final response. I also sent 3 messages to the " Personal banker '' contact I got when I opened my account and no replies so far. 

I also offered to re-send all documentation the bank needs to release my debit card and account and the only message I got was that : we can't do it, we should verify your account through a US phone number. 

Could you please help me to find a person who is really interested in helping me here? The experience with all agents are terrible and each call takes up to 50 min... 

Thanks in advance, 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 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I disputed a XXXX BANK REPORT with EARLY WARNING SERVICES , LLC. XXXX XXXX BANK , XXXX XXXX REMOVED THE REPORT ON XXXX. Early Warning " SAYS '' that they sent me A NOTICE OF REMOVAL LETTER on XXXX, however, up today XXXX, I HAVE NOT RECEIVED ANY NOTICE OF REMOVAL LETTER FROM XXXX XXXX BANK , XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/2021 I made a deposit into my XXXX XXXX XXXX account using my Discover credit card in the amount of {$1000.00}. I had placed a sports wager on the XXXX XXXX winning the XXXX XXXX on XXXX XXXX by XXXX points. On XX/XX/2021 it was announced that the XXXX XXXX quarterback, XXXX XXXX had COVID 19 and would not be playing in the Sunday XXXX XXXX, 2021 Football Game. I immediately contacted XXXX XXXX by XXXX XXXX and asked that they cancel my wager and refund my money due to the extenuating circumstances. They simply ignored my request and the XXXX XXXX XXXX ended in a tie XXXX to XXXX in XXXX. I filed a dispute with my Discover credit card Company who stated that a {$1000.00} provisional credit would be applied to my account ( Case # XXXX ) Its a month later and still no {$1000.00} refund to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
I am in receipt of XX/XX/2021 letter from a robo-signer XXXX XXXX XXXX , Research Department ( ? ) who informed me that XXXX of XXXX ( XXXX ) Letters of Acknowledgements I received last week was sent to me in error. 

Seems like PennyMac try to negate the acknowledgment letter. It does not specify the date of the letter being negated. And of course it leaves open all the other acknowledgment letters, which are subject to considerable doubt. The signature is electronically affixed, which does leave open the question of whether or not the signatory knows anything about the letter. 

Can you identify which particular letter was sent in error? On which date? By whom and from which location it was sent, with full name, position with the Company, office address and phone number? 

Can you identify employees who prepared and sent me these letters of acknowledgements, along with their business address, phone number and email? 

This is also a demand for written verification of XXXX XXXX XXXX XXXX XXXX XXXX signature on this letter, under XXXX XXXX XXXX XXXX ( XXXX ) XXXX and a letter of Authorization from XXXX if XXXX typed signature was attached by someone else. 

Please identify the name and position of PennyMac 's ( or other company ) employee whom XXXX XXXX authorized to use his signature on this letter. 

If this letter was prepared by outside vendors, identify the name and business address for this Vendor and the Fintech system they used to prepare this letter. 

XXXX requires the authentication of electronic signatures, and defines an electronic signature as an electronic sound, symbol or process attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record when a dispute arises regarding whether a signor 's electronic signature is authentic, I demand XXXX XXXX XXXX XXXX XXXX XXXX me a XXXX signed XXXX, with his direct contact information and email, along with verification that he personally prepared and mailed me this letter on XX/XX/2021 Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: Consumer Portfolio Services, Inc.
State: MS

Complaint narrative:
I have unauthorized inquiries own my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: VA

Complaint narrative:
I the consumer, never received proper validation of debt which should include XXXX required items according to congress although my consumer report does reflect that they showed an active dispute. This further confirms that their practices are deceptive and illegal. 

Pursuant to XXXX Purposes of Consumer reports 15USC 1681b I never gave this third party debt buyer as described as account type. So they are calling themselves a debt buyer which insinuates that I the consumer owe an alleged debt which is also a violation Furthermore, I never gave written communication giving this debt buyer the right to furnish this information on my consumer report which per 15US 1681b states that they must have either written consent or subpoena by federal law to place information on my consumer report which none have been provided. 

Please provide details to substantiate contract or right to be debt buyer on behalf of the original debtor as shown on my consumer report as XXXX BANK. Furthermore, the contract between myself the consumer and Midland Funding to illegally humiliate me by furnishing this incorrect information without my consent. 

Furthermore, my consumer report currently reflects that Midland Funding completed investigation of FCRA dispute. 15 USC 1681a of the FCRA defines an " investigative consumer report " by performing a personal interview with neighbors, friends, or associates of the consumer. 

As you show on my consumer report you performed an investigative report. Please provide proof of whom you spoke with to confirm that information listed in my consumer report is true and accurate. 

While I know that this type of interview was not performed to substantiate your alleged investigation I am forced to move forward with pursing violations as outlined in the items above. 

You will also remove this information from all my consumer reports immediately or I will be forced to persecute your company for not only violating my consumer reports per federal law, but also deformation of character based on your false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
CBNA  done a credit pull on my identity as of XX/XX/2021. I have not applied for any credit as of XX/XX/2021. I am at home and not using the internet for any credit. 
Please take this hard inquiry off my credit report. Someone is trying to get credit of my ss number

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 2021-12-13 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: TN

Complaint narrative:
SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN CREDIT FRAUDULENTLY. I WOULD LIKE THESE ACCOUNTS TO BE REMOVED FROM MY 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 2021-12-13 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: TX

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

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 2021-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021

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 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent several letters from XXXX without any resolution. My name appears incorrect after I have sent documentation proving who I am. My credit report shows information from XXXX XXXXXXXX and XXXX that has not been verified to be accurate. My credit report from all three credit bureaus should be wiped clean due to all of the inaccuracies. I have several inquiries that are incorrect as well. 

Equifax XXXX XXXX XXXX have not done there due diligence in protecting my credit report. When I question false documentation they do not rectify their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XXXX and XX/XX/2016 Late Payments were reported and placed on consumer credit report. Company refuse to provide proof of payment history of any payments not made on-time.

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 2021-12-13 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: TN

Complaint narrative:
SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN CREDIT FRAUDULENTLY. I WOULD LIKE THESE ACCOUNTS TO BE REMOVED FROM MY 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 2021-12-13 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: TN

Complaint narrative:
SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN CREDIT FRAUDULENTLY. I WOULD LIKE THESE ACCOUNTS TO BE REMOVED FROM MY FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: FL

Complaint narrative:
I'm victim of Identity Theft, I have been filed all necessary documents in order to remove account that listed on my credit history and only with Experian, I have Affidavit of Identity Theft, FTC Report, Police report - case number is XXXX with Sheriff 's name - Deesd ID XXXX Experian has failed to answer to my dispute that I submitted on XX/XX/2021 via certify mail FIRST class. I have attached a copy of all documents.

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 2021-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Andreu, Palma & Andreu, PL
State: GA

Complaint narrative:
andreu , Palma , Lavin & Solis , PLLC trying to secure money for XXXX who bought a debit from XXXX XXXX XXXX XXXX They stated that XXXX had received a judgement that the debit was valid, without my knowledge stating that I had made a payment in XXXX, Not true, my father died in XXXX and my money had gone to pay medical bills. I paid a settlement from my father to XXXX XXXX, I spoke with a man who had an XXXX accent and paid. 
XXXX has bought a debt that was closed years aga. I received a letter from XXXX, XXXX, XXXX and XXXX, When I called them I spoke with a man named XXXX phone number XXXX option XXXX, Who threatened me, said this judgement would last for 20 years etc. I had a legal group litigation practice group who challenged the legitimacy of XXXX claim, when I decided to cease the use of the legal group XXXX XXXX XXXX, XXXX, et. al showed up again with their terroristic tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XX/XX/2021 I applied for a credit card and subsequent balance transfer with Wells Fargo. The card was approved but the available credit was not what I requested. I subsequent contacted Wells Fargo immediately and spoke to a representative in new applications and requested to have the credit cards closed and the balance transfer rescinded. Two different Wells Fargo representatives assured me that this would be done. Wells Fargo sent me an unwanted credit card and completed a balance transfer that I did not request and charged me {$100.00} in fees. I have spent over XXXX hours attempting to give this issue resolved. I spoke to a Representative named XXXX in customer advocacy who hung up the phone on me twice on XX/XX/2021 after i simply asked to speak to speak with a manager or another associate because he was extremely rude and unhelpful. Wells Fargo needs to closed this account and undo an unrequested balance transfer and return my {$100.00} in fees that they charged me for a service that i did not request.

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 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Hi on XX/XX/21 Citi bank notified me that my checking account will be closed and they would be mailing my money ( {$15000.00} ) to me and it is now middle of XXXX and they are still holding my money hostage i want money back to me asap ( fast ) and i also want interest paid for them holding my money and doing whatever they are doing with it this is ridiculous if any of these people were in my shoes they would be thinking the same thing plz help with thanks. 

I've never had deal with something like this from a bank. 

This happened all because I funded the account from my credit union and they don't like credit union obviously lol.

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 2021-12-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I had fraud on my account and Citibank and they refuse to help and credit my account. They are giving me the me the run around. I have tried to fix this problem with them and they are treating me as a criminal when I am the victim of fraud. The following are the transaction dates and amounts : Transaction Date Amount XX/XX/2021 {$99.00} XX/XX/2021 {$84.00} XX/XX/2021 {$49.00} XX/XX/2021 {$46.00} XX/XX/2021 {$99.00} XX/XX/2021 {$74.00} XX/XX/2021 {$170.00} I have attempted to resolve this issue three times and they refused to help. Very upset with this bank and how they are treating their customers.

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