vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Started a Certificate of Deposit with XXXX XXXX on XX/XX/XXXX in the amount of {$10000.00} at 5.12 interest for the life of the Certificate. We held this Certificate till needed. In XX/XX/XXXX we went to cash the Certificate at Wells Fargo Bank in XXXX, Georgia that had taken over the Certificate through a series of mergers. XXXXXX/XX/XXXXXXXX  had merged with Wachovia Bank who was eventually bought by Wells Fargo. 

Wells Fargo says they did a search and could not find any record of the Certificate as they destroy all records after 7 years and they would not honor the Certificate, even though I possessed the original Certificate of Deposit and the XXXX Redemption Certificate and Time Deposit Deposit Agreement, all of which prove the Certificate was never cashed. If it was cashed they would have taken the Certificate of Deposit and Redemption Certificate as they did with other Certificates I cashed in previous years. 

I went to the next level at Wells Fargo and was denied again as well as being denied by their Resolution Team. 

My efforts with Wells Fargo went from XX/XX/XXXX till XX/XX/XXXX whereas I searched for an attorney to take the case, but, there were no takers. No one handled this type of case In XX/XX/XXXX my daughter took a shot at recovery and got all the same denial answers. 

With interest applied to the Certificate, I estimate the amount owed me is about {$25000.00}.

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 2021-08-13 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 — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NM

Complaint narrative:
In early XXXX of 2021, my insurance company, XXXX informed me my home insurance rate would be increasing by nearly {$400.00} because credit information provided by XXXX determined that information they had gathered negatively impacted my XXXX XXXX. 

I was astounded since I have always paid bills on time, paid cash for everything except XXXX houses and have no debt. I could only conclude this was a case of misinformation or identity theft. In my 47 years with XXXX, I have never received such a notice. 

I immediately wrote Lexis /Nexis on XX/XX/2021 at the address XXXX provided, along with a reference number provided by XXXX XXXX I mailed the letter return receipt requested. The letter was received by Lexis nexus on XX/XX/2021. There was no response to my request for my report. 

On XX/XX/2021, I wrote lexis/ nexis again, requesting a credit report .This was also mailed with a return receipt requested. Records indicate lexis /nexis received this request on XX/XX/2021. Again I received no response. 

This time I also copied XXXX with my second request and included a cover letter explaining why I thought the credit report was inaccurate, and that XXXX had 47 years of me as a client to determine whether I paid my bills on time, had suffered adverse effects due to bankruptcy etc., since they also handle my bank accounts, as well as other insurance needs. This was also sent with a return receipt requested. 

I also requested that XXXX contact me in writing with their response, because I wanted a record for my files and also because I wear XXXX  XXXX and phone calls mean a lapsed time connection where I live.This letter was also sent with a return receipt request. 

On XX/XX/XXXX, person named XXXX from XXXX contacted me by phone ( never mind my request accommodating my XXXX ). After a discussion, he filed a digital request for my credit report on a XXXX portal and told me lexis/nexis would send my report in 5 to 7 business days. I have still not received the report. I can not address any credit issues without this report and continue to be impacted financially with higher insurance rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Flandreau Santee Sioux Tribe
State: IL

Complaint narrative:
I got 3 calls from a? Credit collection agency called XXXX. They were calling on behalf of VIP LOAN SHOP/XXXX XXXX XXXX. They have also called my husbands cell & my step sons cell phones twice after asking them to stop. They said I took out an online loan, had it sent to my bank, then closed my account so unless I pay them {$760.00} they will serve me papers for breech, worthless?, and defrauding a business and that will cost me {$1800.00}. I have not had a loan with them and never heard of them. I have been a victim of identity theft in the past and received notification that my personal information has been located on the XXXX web??? They also threatened to go to my employer with this information ( Ive been on XXXX for years ). There are different phone numbers they call from and different numbers to return their call with different names and claim numbers. I would like to file charges and collect {$1000.00} from them for each call they have made for harassing me and my family even after being told to stop. This is starting to affect my health!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is a formal request for an investigation of this account. There is a possibility that this information may be inaccurate.

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 2021-08-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I decided to dispute numerous Items with the credit bureaus since I found multiple errors on my credit reports. The dispute was sent by certified mail to TransUnion ( XXXX ), XXXX  ( XXXX ) adn XXXX  ( XXXX ). But by today XX/XX/XXXX The companies have still not responded, yet still reporting errors on 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 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Company refuses to review calls. I was promised for my specific credit card that I qualified for a {$200.00} promotion if I spend XXXX during the first 90 days. The company kept lying saying I made qualifying purchases and strung me along giving me different date that I would recieve it. I opened the secured credit card in XX/XX/2021 and Bank of America changed said I would t get it after all. I am upset. I was interested in a different bank credit card elsewhere. The false statements is a violation of anti trust I believe or an inticement. As well as, my {$200.00} provisional credit was reversed for a XXXX. I asked for an accommodation due to a XXXX and was told to go into a Bank of America for that. They refused to accommodate. Which is ironic due to the nature of the XXXX dispute. So I am owed approximately {$400.00}

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 2021-08-13 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Your company is reporting the accounts on my credit report as a collection account. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state.5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am furious that I have not received an update about my investigation from this credit reporting agency. I have been wasting my hard money on stamps, letters, and ink to send out my letters. It's been more than 60 days and I have not received a response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I will not wait another 60 days to receive an update. These accounts must be removed ASAP. 

These are the accounts that I demand be deleted. 

15 U.S code 1681n Infamis of pulls XXXX  Date of inquiry : XX/XX/2020 15 U.S code 1681n Infamis of pulls XXXX XXXX Date of inquiry : XX/XX/2020 misleading false reporting unverifiable and inaccurate reporting. Date last activity is not 100 % accurate across each credit bureas which is a FCRA violation XXXX  XXXX Account Number : XXXX misleading false reporting unverifiable and inaccurate reporting. Date last activity is not 100 % accurate across each credit bureas which is a FCRA violation XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy XXXX Account Number : 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 2021-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: VA

Complaint narrative:
I first sent a certified letter to Receivables Management Systems on XX/XX/2021. I received no validation of debt but was sent a bill instead saying they hadn't heard from me. The letter I sent was from the address on my credit report on XXXX I received no response, bill has different address then what is reported on credit report. 

I then sent a follow up letter on XX/XX/2021 asking for validation of the debt owed. This was also by certified letter, it was sent to another address given on a different credit reporting on XXXX I received no response and was sent a bill on XXXX instead saying they haven't heard from me. There was a different address on the bill then what is reported to the credit bureau. ( I have confirmation they received each letter from USPS website tracking ) I then followed up with my 3rd letter by certified letter on XX/XX/2021. Asking for validation of debt again, I sent this letter to the address on the bill. I received no response. Nothing, until XX/XX/2021 saying they hadn't heard from me. Even though I know they received each letter. 

I then my 4th letter with copies of each letter that I had previously sent, copies of each certified letter to them, to address on bill on XX/XX/2021 this was sent by certified mail as well. 

I received no response again. I then sent my 5th and last letter to them asking for validation that this was my debt, on XX/XX/2021. I sent this certified letter with a return receipt so they would have to sign for it this time. I have all electronic receipts through USPS of when it was received each time by there office. I then received a letter back from them, it was quite rude and told me they are not required to give validation of this debt since they received no response from me they said. Which is simply untrue. I have proof of the letters and receipts that have been sent over a 5 month period. 

They are not following the law, they haven't responded for over 5 months, and then send me a bill with personal medical info, which is against HIPAA rights, they have no legal right to have that information because they have not shown a sign copy of a release from me for HIPAA medial information. They are in serious violation of several collection practices. 

I want this debt removed, they have no legal basis, they have no contract with signature that says I'm require to pay them, they have no HiPAA release from me either and I have no legal obligation to pay them because of that requirement. They have to follow the law and they are breaking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates, a debt buyer, is reporting an unpaid collection account on my credit for {$830.00}. I've never received anything in writing from this creditor about this alleged debt ; therefore never receiving notification of my right to dispute the debt or request information regarding the original creditor as required under the Fair Debt Collection Practices Act. They have simply attempted to contact me by phone. 

During the initial communication, which was by phone, I also requested that validation regarding the debt be sent to my home address so that I could research the alleged claim. Again, they failed to send the validation as required and I still have yet to receive anything in writing regarding the alleged debt ; much less any documentation reflecting the original creditor or substantiating the balance claimed. 

However, they have now reported the supposed debt to the credit reporting agencies as of XX/XX/2021. I feel this in violation of the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, and that they have violated the Texas Finance Code 392.202 in that I have clearly verbally disputed the debt yet have never received the required written dispute response letters required under that statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: MI

Complaint narrative:
I have 8 unauthorized hard inquiries on Equifax. I called multiple times and they havent been removed. The credit bureaus are corrupt. XXXX  and XXXX  have removed the inquiries in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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 — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I have sent 3 letters to this organization to send me proof of the alleged infraction that is reporting in my name. The company has refused to do so and is now stating my dispute is frivolous when they haven't sent me what I have asked for. 

I have not received any dated information with the company 's logo with stating how this infraction pertains to me. 

According to the FCRA Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer.

Please send information from YOUR database. Not information that you have to acquire from XXXX XXXX XXXX for the investigation. XXXX XXXX XXXX can alter information for your benefit. 

This organization has yet to comply.

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 2021-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Hello- I received an email from XXXX XXXX on XX/XX/XXXX notifying me that my Macy 's account was recently closed, which was a complete surprise. I logged onto my Macy 's credit card and it showed that they closed my account on XX/XX/XXXX. I never received any advanced notification that my card would be closed and I have had this account since XXXX ( 20 years ). I contacted Macy 's via email on XX/XX/XXXX requesting them to re-open the account and informed them this could negatively impact my credit report while trying to secure a home mortgage. Macy 's responded on XX/XX/XXXX and informed me my card was closed due to inactivity since XXXX. This is completely untrue and I just used my card on XX/XX/XXXX to return a item for {$9.00} that was purchased in XXXX. 

Besides that, Macy 's seems to forget that we were in a worldwide pandemic where their stores were closed for the majority of XXXX and they have had reduced hours ever since, making it difficult to shop there to even use this credit card. Had I known Macy 's was planning to close my account, I would have made a purchase just to keep this card open and to especially maintain my credit rating. I definitely planned to use this card in the future and now I could be at risk for having a mortgage denied because of this unexpected credit card closure.

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 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My credit card bill is due on the XXXX of the month. On XX/XX/16 I went online to dispute a charge and to pay my credit card bill. I was disputing a charge and it took longer time than I thought. The delay pushed me 1 minute past the due time of Eastern Standard time thus making the payment late. I am on central time and find the practice of holding customers to a different time zone to be unfair business practices. I reached out to my credit card company at XXXX to see what they could do and they could offer nothing to resolve the {$29.00} late charge for 1 minute. They did reverse the interest charge of {$22.00}. I find the whole practice to be a scam especially for 1 minute to charge {$29.00}

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 monetary relief
Consumer complaint received 2021-08-13 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A charge of XXXX was placed on my credit card from XXXX on XX/XX/2021. I did not purchase anything from XXXX either in store or online. I have disputed this charge with Citibank and they found in favor of the merchant. I am filing an appeal with citibank while concurrently filing this complaint. I have reached out to XXXX at XXXX and they stated that they could not locate the charge. Citibank reversed the conditional credit given on XX/XX/2021 on 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