vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
My Huntington debit card was used fraudulently. I reported it to the bank and they refused refunding the unauthorized transactions. I was out of town when the transactions took place and provided the bank all the documents showing I was out of town during that time my phone was not in my possession. It was left on the porch and used by somebody else, I was in a hurry and removed understood that I left my phone behind. Also, I had no reason to suspect that something could happen with my funds in my checking account because originally the bank Huntington bank denied me a debit card saying I dont qualify for one. I didnt expect they going to be sending me one in the mail which they did. It never reached me as I wasnt home and it was used unauthorized, now theyre denying refunding me the unauthorized transactions saying that the tax was sent to my phone in a reply obvious was received. I never received any text, nor if I had a reason to expect Im going to be receiving a debit card when they denied my debit card, none of the transactions were made by me. I was out of town from the XX/XX/XXXX to the first week of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
Regarding Transaction/Confirmation Code # XXXX I sent the sum of {$71.00} money on XX/XX/2023, to a family member in XXXX that lost his son ( Confirmation Code # : XXXX ). 
The money has not been received by the family, instead I keep getting messages from WorldRemit automation that your transfer is delayed and that we will provide an update within the next XXXX hours. This has been ongoing for the past 20 days. 
I have called WorldRemits call center 6 times and unfortunately each time I have waited on the phone for an average of about 60 minutes to 90 minutes to speak to somebody. Each time, I am told by their customer representative that it is a technical issue. Each time, I have requested for them to send back my money to me. I have also written a formal letter on XX/XX/2023 to their XXXX office, requesting for my refund. They still have not refunded my money back to me, instead I keep getting the run around. 
As a customer for more than 8 years to 10 years in good standing, this is not how to treat a loyal customer. 
At this time, I will appreciate it, if your agency can intervene with this issue and urge WorldRemit to refund my {$71.00} back to me, so I can make alternative arrangement to send the money to the bereaved family. 

Thanks, and take care. 

XXXX XXXX XXXX # XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
MIDLAND CREDIT MANAGEMEN has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me MIDLAND CREDIT MANAGEMEN has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I deposited a check given to me from my aunt with a teller at my bank, Wells Fargo. Wells Fargo then froze my account, claimed the check was fraudulent and my account is now pending being closed and I have no access to the funds in the account, totaling {$65000.00}. 

This check was not fraudulent and my aunt called and cleared this check with her bank, XXXX XXXX XXXXXXXX. There is NO HOLD ON THIS CHECK from XXXX XXXX XXXXXXXX. Unfortunately my aunt passed away before being able to obtain a notarized letter from XXXX XXXXXXXX XXXX. However I have provided bank statements showing this check amount has cleared from the account, as well as a statement showing I am listed as her XXXX 

Wells Fargo has frozen my main bank account and made it unusable. I am the XXXX for my aunt 's XXXX XXXX XXXXXXXX account. This process of being able to obtain the notarized letter myself will take anywhere from 3-5 weeks due to probate court. My Wells Fargo account will be closed in 10 Days because of this check. This is where I get my paycheck deposited, pay bills, etc.

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 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Upon discovery after viewing my consumer report I see that XXXX XXXX & CREDENCE RESOURCE MANAGEMENT , LLC is reporting an alleged debt onto my consumer report. 
I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding that XXXX XXXX send me verification - ( sworn under oath 28 USC 1746 ) of this alleged account pursuant to 15 USC 1692g ( b ). I am also demanding CREDENCE RESOURCE MANAGEMENT , LLC cease all collection & communication activity through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX. I A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect names and addresses that I did not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Hello, XXXX has sent {$59.00} to a collection agency for services that never occurred. 

In XX/XX/2022 I paid XXXX XXXX {$51.00} to send a Priority Overnight envelope approx. XXXX miles. My envelope was lost/missed and never left the local XXXX location. It sat for multiple days. I finally drove over to the local XXXX and retrieved my package. I then made the drive to deliver the package myself. 

I made multiple requests to XXXX for a refund in the amount of {$51.00} due to not receiving the service that was paid for and taking the package myself. All requests were denied. I then submitted details and supporting documentation to my bank. After a thorough and months-long investigation, my bank ruled in my favor and reversed this charge. XXXX has now sent {$59.00} to a collection agency for services that never occurred. Can you please assist? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Credit Card Visa Platinum card Number XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Back in XXXX of XXXX, I informed capital one credit card that my phone had been stolen. XXXX stole it used my credit line then attempted to pay my credit card off with a fraudulent account, more than likely to pay off the card with fraud than use the card or credit line. I wound up having to repay whatever had been charged to the card to get my payments back on track and informed them not to charge that other account it wasnt mine and it was fraud. I went on making my minimum payment or alittle above and than without my knowledge Capital one continued trying to pay my account above my normal payments with the account I told them was not mine. After two or three more months of this out of nowhere they close my account stating it was from them being denied from the account I told them was fraudulent. No money was ever paid from that account because of coarse it wasn't mine. I had no idea that Capital one was still trying to charge that account after I told them it wasn't mine and it was fraud. So in XX/XX/XXXX Capital one closed my account due to their own mistake. I wrote them a letter and called twice with them insisting I must cover the payments they tried to make without permission and then try to open a new credit line. I should of never lost my credit line because they messed up. I continued to make my minumum. They are victemizing me twice. They should of never continued to charge an account I told them was not mine. I should not be effected negitively at all from any of this and my line of credit should be continued or at least not effect my credit report in any negitive aspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
i checked my credit report and noticed i had inquiries that i didnt make or authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-18 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Please delete these unauthorized inquiries off my credit report. I dont understand how these got on my report. This is unacceptable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been disputing the debt reported by XXXX XXXX they have stated that the card was sent to an address previously used by myself and payment were made from a bank account associated with my name on it, while I don't know if this is factually true I have always contented that my ex-wife or her children could have opened the account in my name and would have had access to both the address and our account as such I have request on numerous occasions documentation showing where I have signed for anything to do with this account which they are required to produce under the fair credit act, however all I have received from XXXX and XXXX XXXX are statements showing charges with no receipts, no signatures and no proof of ownership.

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 2023-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I open an emergency cc card with price line to travel to California for my XXXX 's funeral. 
|Account Ending XXXX | XXXX XXXX XX/XX/XXXX - XX/XX/XXXX the amount was XXXX and I received a credit of XXXX dollars bringing the total owe to XXXX dollars. I started making payments until XX/XX/XXXX were the final amount. on Account Ending XXXX | XXXX XXXX XX/XX/XXXX - XX/XX/XXXX was paid in full. Previous Balance as of XX/XX/XXXX {$100.00}, Payments - Thank You - {$100.00} ( was received, acknowledged and paid in full ) Then additional charges were added by XXXX car rental, of XXXX : I called and spoke with customer service and reported these charges, they open a fraud investigation and advise me these charges would be removed as unauthorize charges. I am now getting phone calls to my personal cell phone and work phone saying that I owe the XXXX, late fees and interest.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM CURRENT ON ALL CHILD SUPPORT AND COLLECTION MUST BE REMOVED FROM MY ACCOUNT. Please remove the entire " XXXX '' efforts from my credit report, from XXXX XXXX XXXX ( XXXX ). 

please see attached, and remove the collection efforts. 

See letter dated XX/XX/XXXX 

XXXX amount should be {$0.00}. 

Not owed ; not due. 

Please remove from the credit report. 

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Third time company Equifax is reporting incorrect status of my account. XXXX Account should be in an XXXX status. I have contact XXXX and they have sent XXXX forced reports to show account is OPEN & ACTIVE status. 

I requested Equifax to update through a dispute Confirmation number : XXXX. When this was complete it showed open for one day and the next went back to reporting as closed. 

All other credit bureaus XXXX and XXXX are reporting this information correctly. I have included the Credit report from XXXX and XXXX reporting correctly. Equifax is INcorrect and not reporting accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd
State: FL

Complaint narrative:
Here are the USD account details for XXXX XXXX. 

Account holder : XXXX XXXX XXXX and XXXX routing number : XXXX Account number : XXXX Account type : Checking Wise 's address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX United States The above mentioned my wise account was deactivated at XXXX XX/XX/2023 without any prior information or warning email. My business is shutdown because all amount has stuck. While I generated an appeal for releasing of funds, mistakenly I put the receiving bank details of the same wise account. 
Now wise bank management is not responding. 
Kindly help me for the releasing of my amount. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Per the Privacy Act of 1974 and 15 USC 1681b- permissible purpose, all 3 credit reporting agencies ( XXXX, XXXX XXXX Equifax XXXX are in violation of my federally protected rights by reporting child support on my consumer report AND in my credit file. Child support payments and collections are NOT extensions of any credit, purchase money loan, installment loan, or other consumer transactions and should be removed from my consumer reports AND credit file. This is also in violation of UDAAP, FCRA, and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting 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:
Credit reporting ensures that bureaus report only 100 % accurate credit information, therefore my XXXX XXXX Acct # XXXX needs to be re-investigated. I initially requested for this account to be validated, with no response. 
FCRA section 611, gives me the right to request an explanation of the verification method used. Also this inaccurate information is reporting two times on my report. This is a paid closed account and should not be reporting negatively.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Addresses not belonging to me reporting to credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
This is not accurate. 

XXXX XXXX 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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: CA

Complaint narrative:
I recently learned that someone opened a savings and checking account in my name, along with a credit card. I only found out when I got an email from Square XXXX  congratulating me on my new account. A subsequent email indicated that my email address was being changed to another email address - and that I should contact them if I didn't make this request. I contacted them as soon as I saw the email to stop the account and report it as fraudulent. Square XXXX  never checked with the XXXX credit agencies, all of which have a freeze in place. I filed a police report, and then a complaint with the Better Business Bureau. The response from XXXX ( through XXXX  ) is that they can not talk to me directly ; they can only speak to law enforcement. This is insane. I have tried twice now to get them to explain to me what happened and they are refusing. Something is not right here and I need to find out what it is so it doesn't happen to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit reporting ensures that bureaus report only 100 % accurate credit information, therefore my XXXX XXXX Acct # XXXX needs to be re-investigated. I initially requested for this account to be validated, with no response.

FCRA section 611, gives me the right to request an explanation of the verification method used. Also this inaccurate information is reporting two times on my report. This is a paid closed account and should not be reporting negatively.

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