vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/21 I received a letter from the Huntington National Bank of XXXX Ohio stating on XX/XX/21 I opened an Astrick free checking. I called the XXXX number and spoke with XXXX. I told her I never opened any accounts and want that closed! She said, " yeah, we've had problems with fraud. You should have a four digit account number on the letter. '' So I gave it to her, then she said she couldn't open up or close it without my social. Being a retired XXXX XXXX XXXXXXXX I know a little about scams. I told her I would not disclose my social and since she knew about scam and now had the four digit acct ending in XXXX she should be able to cross reference and close it. She became hateful and refused to help other than, " you'll just have to come to a branch. '' When my wife became frustrated and then said to XXXX, " look we live in illinois, he's in not going to drive to XXXX Ohio! You have his name, know you have scans and you have the last four digits of so called account! '' XXXX then became very defensive and when my wife said she'd take this issue to dept of finance and XXXX, XXXX slammed the phone down. We are not disclosing my social on an account we never opened, never put a dime into it. Close it XXXX!!! Now I feel I have to continuously monitor my credit report because of her suspicious reaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Armcon Corp
State: CA

Complaint narrative:
In XX/XX/XXXX, I was notified that Mr. & Mrs. XXXX XXXX XXXXXXXX assigned their Judgement over to Coachella Valley Collection Service ( see attached Stipulation For Entry Of Judgement dated XX/XX/XXXX, Acknowledgement of Assignment of Judgement dated XX/XX/XXXX, Correspondences from Coachella Valley Collection Service dated XX/XX/XXXX and XX/XX/XXXX. 

A few weeks ago I came across an article that stated the 3 credit Bureau 's back in XXXX decided they would no longer report Judgements against individuals credit reports. I have provided XXXX, XXXX  and XXXX the same data and have open disputes showing the collection account as reported by Coachella Valley Collection Service is actually a Judgement and should not be reported against my credit reports. The first report decreased my FICO score which ruined my credit as I can not refinance my condo, get a personal loan or a credit card with a $ XXXX credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have two unauthorized hard pulls on my credit 1. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX Never authorized 2.XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX Never authorized

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 2021-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
To : Consumer Financial Protection Bureau Consumer Finance Date : XXXX XX/XX/XXXX Re : FRAUDULENT ACCOUNT CLOSINGS I had XXXX accounts at WELLS FARGO fraudulently closed on XXXX XX/XX/XXXX. 

All jointly owned with an elderly friend and companion of XXXX-year plus relationship, 2a brokerage and a savingswere primarily held by me, having been set up in Fall XXXX, a year-plus before I met her. The other 2, a checking and savings, were hers in origin. The closings were initiated by a recently assigned conservator, XXXX XXXX XXXX of XXXX Minnesota, without my being consulted, and the proceeds from the closings, in the form of a Cashiers check, are untraceable, apparently. The friend can not have been part of the scheme, I am certain, by virtue of her mental state and the murky circumstances of the transactions. The varying primacy in holding, moreover, reverses the customary sense of joint ownership into an unequal partnership which should mandate the pre-eminence of the primary holder in critical transactions involving the accounts. That at least was my understanding from inception, and it would deter me from ever tampering with those 2 accounts of hers of which she granted me co-ownership, not to mention my absolute lack of material need for doing so.

Upon email notification of the closings, I promptly alerted the Bank to the fraud, in painstaking exposition. Perfunctory acknowledgment aside, there has been no substantial executive follow-up, despite my repeated dire summons and reminders in the intervening weeks, and I am beginning to suspect complicity between bank staff and client in the dirty transactions. Which has me appealing to your agency. I shudder at the specter of having a beloved, XXXX and XXXX XXXX XXXX-year old thrust into corrosive litigation ensuing from the fraud. I had hoped Wells Fargo would help to avert it. 

I will readily forward, upon request, background material in the guise of e-correspondence. Your grasp of the matter should be facilitated thereby, to say little of the economies in time and effort otherwise lost from a fresh piecemeal lowdown. 

The related Wells Fargo case number is : XXXX, and the Case Managers telephone number is : XXXX. From the last check-up with customer service ( XXXX XX/XX/XXXX XXXX the case had been placed in limbo as of XXXX XX/XX/XXXX pending re-assignment, this in utter disregard of the reiterated fact that I can not currently pay due bills because my active checking account, extremely lean in value, has long been linked to the closed savings one in a portfolio. I am appalled at the insensitivity. 

Thanks for your attention. 

Sincerely, 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 explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
In XXXX of 2020, I discovered a debt on my credit report that was not mine along with addresses, phone numbers, etc. The debt was from XXXX XXXXContinental Fin Co opened XX/XX/2020 in the amount of {$1500.00}. Since the discovery, I have called multiple times to report it as identity theft. I have spoken with the fraud dept., managers, etc. and I am always told that they will send me paperwork to fill out or someone will call me but neither have happened to this day. I then found out that the account had been sent to XXXX XXXX which is a collection company. They called me to try to collect the debt and I told them that it is identity theft and sent them proof with all the information they had asked for. They assured me they received everything but were waiting to hear back from their client and they would notify me once they heard something. Still nothing from them so as I was calling and checking on it, I was told by XXXX that the account has now been sent to another collection company named XXXX  XXXX. So I called them and have been told that the account has now been sent back to XXXX XXXX  and I have to call them to handle it. I am so tired of the run around!!

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 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
XXXX XXXX and XXXX XXXX refuse to close my CC account. I have asked them to close it 71 times but it stays open and reports on my credit bureau as open causing my bank to keep asking why the account remains open. My credit card agreement says I can close at anytime but HSBC refuses. This is causing problems for me. I have asked them to call me hundreds of times but they wont. HSBC call center says they can not close the account and it could take years. HSBC told me to drive 280 miles to the nearest HSBC branch and close it and thats the only way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
on XXXXan unauthorized transaction for {$2000.00}. And another Unauthorized transaction on XX/XX/XXXX for {$830.00}. I became aware of Unauthorized activity on XX/XX/XXXX when I called US Bank to report I was locked out. This is the second time USBANk has allowed someone, other than me, access to my account. On XX/XX/XXXX a us bank employee informed me that someone made numerous calls in attempt to gain access and that a us bank employee eventually provided that access without verification of passcode on file. She said she would provide that documentation in my file. I provided a written dispute form and a copy of my id within ten days but I recieved a case closed letter XXXX stating no funds would be credited. Us bank 's own customer service representative, XXXX, informed of them allowing someone access without verification of passcode as well as the multiple calls made to gain this access. I tried contacting us bank but employee said it was nothing they could do. 
THESE UNAUTHORIZED TRANSACTION OCCURED ALMOST IMMEDIATLY AFTER USBANK RESOLVED THE FIRST ISSUE.

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 2021-04-06 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: FL

Complaint narrative:
I sent one of my first letters to the three credit bureaus to dispute the accuracy of student loans from the Department of Education ; with the account numbers XXXX on or about XX/XX/XXXX. Among the inaccuracies I listed was that the Department of Education, and DEPTEDNELNET duplicated similar derogatory information for the same student loans. It is negligent for TransUnion to allow Department of Education and DEPTEDXXXX to Morph or duplicate negative credit information for the sole purpose of injury. After 73 days of inaction, it is clear TransUnion doesnt want an amicable resolution. 
Another inaccuracy with the Department of Education account on my credit report is the date a single account was opened. Transunion is : XX/XX/XXXX and Experian is : XX/XX/XXXX 5 U.S. Code 1681i : Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer I have attached my account information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will see that my student loan is in Forbearance. 
A fair resolution is for TransUnion and XXXX  to immediately delete the four Department of Education accounts listed on my credit report for not complying with FCRA.

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 2021-04-06 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: FL

Complaint narrative:
I reported my debit card stolen after my son lost my card at XXXX XXXX in XXXX Fl. A transaction was made for XXXX at an atm in the XXXX XXXX  by someone unknown.

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 2021-04-06 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I applied for a loan that I got at once with them On XX/XX/21 ... after a month on XX/XX/21 I did paid my first agreement.. hours after I received a credit alert from 2 credit report companys Checking my credit report account I found that Goldman Sachs pull out 3 times my credit report without any reason and made look that I tried to open diferentes accounts on those dates XX/XX/21. XX/XX/21 XX/XX/21 Ending decrease my credit XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: TX

Complaint narrative:
XXXX  disputed and account twice XX/XX/2020 and XX/XX/2020 with XXXX XXXX  reporting inaccuracies on and account it says I had and deposit related account 1month term which XXXX was written off XXXX is past due and 10 charge off XXXX refused to remove the error stating that they just report what the company sends I explained to XXXX you can't have an account with a one month term have a written off amount an past due amount and 10 charge off on the same account and it all be correct they refused to remove the inaccurate information and it has to be disputed a 3rd time they are in violation of the ftc rules Transunion llc was disputed as well same information provided error not removed

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 2021-04-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent one of my first letters to the three credit bureaus to dispute the accuracy of the account CHILD SUPPORT ENFORCEM ; with the account numbers XXXX on or about XX/XX/XXXX ; and After 73 days of inaction, it is clear Experian doesnt want an amicable resolution. 
Among the inaccuracies I listed was the late payment reported XX/XX/XXXX. My wages were garnished. The payments were automatically withdrawn before I was paid by my employer. I was only required to pay $ XXXX monthly ( Child support order is attached ) ; however as you can see from my XXXX bi-weekly pay stub and XXXX - XXXX annual financial statement, I was garnished $ XXXX  monthly. My payments were never late because I never had control over them ; the CHILD SUPPORT ENFORCEM agency did. 
5 U.S. Code 1681i : Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer A fair resolution is for Experian to immediately delete the CHILD SUPPORT ENFORCEM account immediately for not complying with FCRA or for Consumer Financial Protection Bureau to provide me with the means to adjudicate the 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 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I believe Chase Bank in adjusting the credit limit on my card did ultimately was racially motivated and did so without a full and thorough review of the account. Over the course of the 5 plus years of being a Chase customer their listed reasons for reducing my credit limit have been in play but yet they never reduced my limit previously. I believe Chase may have a practice of reviewing the accounts of minority customers and making these adjustments randomly with no consistent usage of their own internal rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CA

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: PA

Complaint narrative:
After reviewing your letter which I attached from your company, Transunion, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance to Section 605B of the FCRA you have determined that my request was either made in error, a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission, which I have attached to this complaint, with my original letter sent to your company, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? All of the reasons that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Transunion now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. 

DSNB MACYS DISCOVERBANK 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 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I received 2 letters from Huntington Bank on XXXX stating I opened 2 Huntington 5 Interest checking accounts online on XXXX. The letter has my maiden name being used and not my married name. I called Huntington on XXXX at XXXX and placed a fraud alert on those accounts. The representative stated they can be opened online with no ID. She instructed me to contact FTC and file a police report. There were checks and a debit card ordered on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I transferred {$770.00} from my ReliaCard from card holder services to my checking account on XXXX it posted to my account on XXXX. It was reversed on XXXX. I contacted ReliaCard and was told I needed to fax my ID in which I did on XXXX. I was told I would receive my money in 5 days and I have been trying to get it refunded since. I keep calling and talking to people and not getting help. I filed a complaint against card holder services. Finally a supervisor call me and said he would help., he told me XXXX XXXX  did the reverse and gave me a tracking number of XXXX and they have to refund my money. I can not get anyone to help me with XXXX XXXX either. I either keep getting transferred or disconnected.

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 2021-04-06 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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