vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I disputed unauthorized debit card transactions with Wells Fargo by telephone on XX/XX/2021. As customary, my debit card was cancelled and a new card ordered. Upon arrival by US mail, the new card was unable to be activated having already been canceled. Since this time I have been unable to get s new debit card issued for this account, either in person at a branch location ( on two occasions ) or by telephone call with debit card services ( also on two occasions ) The account balance has been positive the entire time. Consequently, my account is difficult to access having no checks and now no debit card, as Wells Fargo refuses to issue another debit card or credit card for that matter.

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 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America closed my checking account last week on XXXX XXXX XXXX, without letting me know. I immediately went down the XXXX XXXX, WA branch and asked to speak with the manager to get my funds released as I couldn't buy food, gas, or any basic essentials to live. The manager told me that they couldn't give me my money due to their policy. I asked him how I was supposed to eat, and he said he didn't know but they cut the checks early an I would get my money in 2-3 days. Well, it's XXXX  XX/XX/XXXX an I haven't gotten anything because when I called XXXX A again, the lady on the phone said I would receive it at the end of XXXX when the account was closed. 

This is XXXX. How can you take money from them over reasons I'm not aware of?? I want my money TODAY! 

Bank of America should be ashamed of themselves, especially because people are already struggling with 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 explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: AK

Complaint narrative:
Contact me. That's your responsibility. I will however keep on filing this report until things get resolved. If I am responsible, I will pay for whatever I am responsible. You can check my credit history - I have NEVER had anything collections related. # 1 I have never even met any of the aprtment rental ppl due to pandemic. # 2 I did not damage the apartment - I lived for 2 months and then moved to village in Alaska. # 3 I was never told I had outstanding balance nor was I warned that it would move to collections # 4 Please provide proof that I caused the damage. Either show me that the damage the apartment claims wasn't there before or show me that I caused the damage. I need to see itemized list of what was wrong and what was done and how much it cost. And PROVE that I am responsible. You can contact me via email or phone. I have tried numerous times to call you guys and talk to a human. It's your job to contact me and get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: IL

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2021-10-29 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: U.S. Auto Credit Corporation
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX USAUTOCREDT XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
The company " Caine & Weiner '' is attempting to collect a debt from me for the amount of {$320.00} that I DO NOT OWE. I have sent this company multiple Verification and Validation request, and this company has not sent me ANYTHING proving that this debt is mine. This company is in violation of the FDCPA. Caine & Weiner has violated the FDCPA and my rights by trying to collect a debt from me which could not be properly verified or validated. This company has ignored my written request to validate this debt, this company DID NOT get my authorization to try collect this debt. I have NEVER gone into any business with this company, they did not have my authorization to have my social security information, personal information, or collect any debt from me. The last letter I sent this company was a " Intent to file Suit '' because they have violated several laws per the FDCPA and I still intend on suing if this account is not deleted from my credit reports immediately. Attached with this complaint is all of the correspondences between Caine & Weiner and myself, and to be very clear this company was suppose to respond to my request 30 days after the Intent to file suit letter, and they have not, This is also a violation. My attorney and I plan to use all of these violations in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Hi, my name is XXXX, Im a resident of Puerto Rico. In XXXX, I opened an internet account called Accelerated Savings ( CITI BANK ) that was offered to me when I logged into my CITI credit card account. I added my 2 Puerto Rico Bank Accounts and funded this account. Never got a problem or a call explaining that I needed additional documents. On XX/XX/XXXX, I tried to make a transfer from CITI to my external accounts ( that I previously used to fund this one ) and got an error after 3 days and the account was put on hold. I proceeded to call CITI, and they told me that it was a security precaution and removed the hold, tried once again and the same thing happened after a few days. This process happened at least 5 different times between XXXX and XXXX ( XX/XX/XXXX being the most recent communication with Citi Customer Service ). I finally got an agent that identified the problem as missing documents to corroborate my address, so he sent me a docusing link, I uploaded the documents XXXX Electric Bill and Paystub ) After a few days, I proceeded to make the transfer but had the same outcome, so I call again, and they told me that the Electric Bill was not accepted due to the address. I tried to explain that in Puerto Rico, we have issues with the address, they dont follow strictly the USPS format, and we often have problems with that. Also, when I created the account, I never received notification that I needed documents before depositing or transferring money to that new account. After that, I send a few other documents with different bills ( internet and XXXX ) with the same address, but they were not accepted because the account showed an extra digit on the address that the bills did not have. Basically, they were not accepted because a 2 was missing on the bill, but its the same address, and its the name of the place, and sometimes its the data entry personnel from the utility company that input the data when given and due to format issues with USPS in Puerto Rico, they are often not exactly the same, but just rejecting the document because of a 2 missing is something that I would not understand. I've been trying unsuccessfully since XXXX to close the account and get my own money, but they are not giving me options, or a solution and still i don't have my money. So please Im begging someone to understand this case, to help me solve this because Im in desperate need of my own money due to serious health issues and this problem have caused me complications and XXXX. I beg you to understand and help me.

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 2021-10-29 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American Express has reported me deceased to the 3 credit bureau 's. I have called them multiple times to dispute the inaccuracy of the account to get nowhere with them they will not provide me with any information, so I have no dates, amounts, or account information please help. I have called the 3 credit bureau 's and they have removed the deceased remarks, but American Express keeps reporting to them I'm deceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am XXXX XXXX XXXX and XXXX  with on where to go due to COVID 19. My business took a beating, I had to lay off all my employees and encountered a death among my staff. My business suffered very badly. I lost everything even my home. I am living at the extended stay here in XXXX XXXX MO. I went and found a small 2 bedroom house that needed a little work done to it, but didn't have enough money to close the deal. My closing is today XX/XX/2021 at XXXX. Since I did not have enough money to close, my family sent me the money to do so. They sent it through XXXX money app. so I can have a roof over my head and prevent me from not having anywhere to go. The bills here at the expended stay are more than what I can afford. I transferred all money from the XXXX app to the Bank Of America savings account which was {$1300.00} dollars and I put another {$560.00} with another {$100.00} dollars cash into the account to bring the amount upto {$2000.00}. This is what I needed to close my new home. I was scheduled to close today. Yesterday I got an alert from BOA stating my account had falling to {$25.00} dollars the day before my closing. When I called to see what had happened, I was told BOA had taken the money out to put towards another account that's overdrawn at the bank. The money was taken without my permission or consent. I don't have a place to live and now I don't even have enough money to pay the extended stay. I need the money back so I can close on the house ASAP.

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 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Started receiving phone calls about a month ago ( XX/XX/XXXX ) for an account that was closed in XXXX under my name. Company didnt have my real address until I gave it to someone. They sent me copies of charges I confirmed it was not me and then they sent me a letter proving the accounts validity now that they have my actual address. I just want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened an account with Citi on XXXX XXXX with a {$50000.00} ACH transfer from an account I hold with XXXX XXXX XXXX. On approximately XXXX XXXX, I attempted to write a check against the Citi account. Citi did not honor the check. I was referred to their anti-fraud department, which said that my account had been blocked because they had been " unable to verify '' my original {$50000.00} deposit. However, that deposit had been made more than three months ago, Citi has been holding my money the entire time, and Citi has never notified me of any problem.

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 2021-10-29 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: MI

Complaint narrative:
These are numerous inquires on my TransUnion credit report that I did not consent to nor authorize. 
1.XXXX  XXXX  XXXX via XXXX XXXX  XXXX- XX/XX/XXXX 2XXXX XXXX- XX/XX/XXXX 3.XXXX  XXXX XXXX- XX/XX/XXXX 4.XXXX XXXX XXXX- XX/XX/XXXX 5.XXXX  XXXX- XX/XX/XXXX 6XXXX XXXX  XXXX 7XXXX XXXX XXXX- XX/XX/XXXX 8.XXXX  XXXX XXXX  XXXX- XX/XX/XXXX 9.XXXX  XXXX via XXXX co- XX/XX/XXXX 10.XXXX  XXXX  XXXX XX/XX/XXXX 11XXXX XXXX via XXXX- XX/XX/XXXX 12.XXXX  XXXX XXXX  XXXX via XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XXXX XX/XX/XXXX 14XXXX XXXX- XX/XX/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 explanation
Consumer complaint received 2021-10-29 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: MD

Complaint narrative:
On XX/XX/XXXX I submitted a letter to TransUnion in regards to two unauthorized hard inquiries that were place on my credit report reported by the same company named XXXX, first one was dated XX/XX/XXXX and second XX/XX/XXXX. I did not give permission for XXXX to pull my credit. I requested TransUnion to delete these two inquiries from my credit report immediately which still has not been done. I've made several attempts to have TransUnion to honor this request. Upon speaking with different representatives and the fraud department to investigate this matter I was told that I had to file a complaint with the FTC/cfpc before they would remove these two hard inquiries. I am now reaching out to you to help me to have this matter resolved asap! I also want to state that I sent TransUnion documentation explaining in detail my concern and resolution that I'm seeking. This was sent by cerified XXXX mail. I received receipt of delivery on XX/XX/XXXX that my letter had been received by TransUnion. 
Thank you for your attention to this request, US citizen.

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 2021-10-29 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: World Omni Financial Corp.
State: FL

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. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: Bread Financial Holdings, Inc.
State: FL

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. This company is currently showing 30 days late ( XX/XX/2019 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I've been a customer for several years with XXXX XXXX and have made my payments on time. My initial credit limit was {$500.00} and decreased to {$150.00} today, XX/XX/XXXX. It's ridiculous how my credit line was dropped in XXXX from {$330.00} to {$200.00} and now to {$150.00}. Every time I have available credit of at least {$75.00} or more, my credit limit decreases. My credit score dropped 45 points from the previous decrease,, and I can imagine what it will be now that they've done it again. I've never in the history of having credit have experienced multiple credit line decreases in less than 6mos from a creditor. This is why I don't use the card now and will consider closing it after paying it in full. I called this morning and spoke to XXXX and he wasn't able to assist. Also, they didnt notify me prior to the change in my account. Its always when my new statement generates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX debit card was lock and I'm trying to get it unlocked no customer attend to me

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 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021, Chase bank issued two overdraft fees for transactions processed in the middle of the night or behind the scenes where I can't see on my account. I was charged 2 overdraft fees despite me being unaware of these transactions until today. Additionally, I have 2 accounts with Chase, one where I could readily transfer funds. I transferred the funds that morning when I discovered the overdraft and called Chase to see if they could remove the fees. They refused. This feels like a scam. I wasn't overdrawn before going to bed, and the next morning, I wake up to two overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
Starting in early XXXX CBE Companies started repeatable calling me. I answered and asked they stop calling me- they were asking for a name that was not mine, and they said they would remove the number. They have gotten more aggressive and profane with each call since. On XX/XX/XXXX they called 6 times within a XXXX minute period. They call me a worthless XXXX and tell me to pay my debts- yet they dont even have my legal name or a name that I have used for at least 12 years. I have NEVER received any sort of notification by mail from this company, nor have I had any information on who the alleged creditor is.

Company response to consumer: Closed with explanation