vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I attempted to close my saving account with Wells Fargo Bank and they said that they could transfer the fund to my checking but that they may or may not charge a maintenance fee while the transfer is pending and advised that the only way to ensure that they wouldn't overdraft the account ( that I'm trying to close ) would be to add more funds. Which is ridiculous. I asked if I could go to a branch to withdraw the funds to close the account and their customer service advised that they could not guarantee that the branch would close the account. I requested that maybe a supervisor come on the line and the customer service agent hung up on me. I attempted to call back and I was unable to get through to another customer service agent.

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 2022-01-08 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: TX

Complaint narrative:
XXXX XXXX is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with XXXX XXXX nor was I aware that an account was ever opened in my name. XXXX XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

XXXX XXXX XX/XX/1980 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 2022-01-08 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: TX

Complaint narrative:
XXXX XXXX is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with XXXX XXXX nor was I aware that an account was ever opened in my name. XXXX XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

XXXX XXXX XX/XX/1980 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This company Midland Credit Management has violated my federal consumer rights. I have a right to privacy and my information is not protected because this company has stolen it!! Pursuant to 15 USC 1681 ( 2 ) I never consented to none of this and the reportings to my credit reports which is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 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: Nelnet, Inc.
State: PA

Complaint narrative:
I have filed multiple disputes against US DEP OF EDUCATION and US DEP OF EDU/NELNET for identity theft and attempting to collect a debt not owed, most recently XX/XX/2021, which in the course of their investigative consumer report the accounts were not removed within four days as it should be under identity theft. I constantly receive the response of the negative accounts being " verified '' but under an investigative consumer report, personal interviews with neighbors, friends or associates of the consumer reported on must be done. I have not gotten any information as to who was spoken to or any other verifiable information, to verify their claim. I also sent a notice to cease and desist on XX/XX/2021 complaint ID : XXXX to not communicate indirectly through any medium and cease and desist reporting the information to my consumer reports which has been violated due to the reporting of these negative accounts still being furnished to my consumer report defaming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Best Buy CBNA is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with Best Buy CBNA nor was I aware that an account was ever opened in my name. Best Buy CBNA is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. XXXX XXXX XX/XX/1980 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 2022-01-08 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: MD

Complaint narrative:
To whom it may concern I have 14 unauthorized inquiries on my equifax credit report. I have contacted these creditors and I was told to contact equifax to have them removed. I have sent letters and called and they still haven't removed these inquiries. I am demanding that equifax remove these inquiries from my report immediately within upon receiving this letter. I did not authorize any of these inquiries. I have attached the report. 

1. Equifax Mortgage Ser XX/XX/XXXX 2. Equifax Mortgage Ser XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7XXXX  XXXX XX/XX/XXXX 8.  XXXX XXXX  XXXX XX/XX/XXXX 9. XXXX XXXX XXXXXXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX  XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: MI

Complaint narrative:
As of XX/XX/XXXX my XXXX account is still being reported late on my Experian credit report from XX/XX/XXXX- XX/XX/XXXX. On my XXXX credit report the same account is being reported as ok. If they are pulling from the same creditor how is it that the information is being reported different. On my XXXX report it is not being reported at all.

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 2022-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Citibank ACCELERATE savings last spring. They offered a {$100.00} bonus for maintaining a XXXX balance for 90 days which I did and verified on t6he phone with Citibank. I am now in XX/XX/2022 and NO bonus. I can not get answers from chat and customer service keeps me on hold for XXXX hours at least with no representative in BANKING. Citibank requires I keep at least {$500.00} in the savings account to not get a fee. 

This has been made way, way, way to hard and appears to me to be a sham to get business with no intent to pay the bonus. AT THE VERY LEAST THEY MAKE IT EXTREMELY DIFFICULT YO GET ANSWERS AND USE LEGAL MUMBO JUMBO IF YOU TALK TO SOMEONE AND THEY ARE IN NO HURRY TO TALK

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 2022-01-08 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am writing on behalf of myself to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am writing on behalf of myself to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Please keep compliant ( Ref : CFPB COMPLAINT ID XXXX ) open and request that Comenity Capital Bank to stop reporting me delinquent until this issue is resolve. I will write another response to Comenity Capital Bank and CFPB and mail it out on Monday XXXX XX/XX/XXXX. 


See message below : Sincerely, XXXX XXXX From : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, PA XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Disagree with Comenity Capital Bank response to this dispute dated XXXX XX/XX/XXXX. See attachment. ( Ref : CFPB COMPLAINT ID XXXX ) I disagree with the Comenity Capital Bank finding of no basis to support fraud claim. A letter was sent to Comenity Capital Bank requesting not to report me delinquent and suspend interest and late fees on this account until this issue is resolved. However, Comenity Capital Bank continues to report me has delinquent and accumulates late fees and interest every month on my XXXX XXXX XXXX XXXX Credit Card ( Account ending in XXXX ). Please keep this case open until the issue is resolved. 

Rationale : This return payment was a criminal act by a perpetrator who deposited {$5300.00} into my account to make purchase for computer products. After the computer products were purchase on XX/XX/XXXX for {$5000.00}, the funds were removed from the credit card account ending in # XXXX. Reference Pennsylvania State police report ( # XXXX ). I never authorized payment from credit card account ending in # XXXX into the perpetrators account. That authorization to put money into the perpetrators account was authorized by Community Capital Bank. The money deposited ( {$5300.00} ) into the credit card account ending in # XXXX from the perpetrators account should have remained in the account ending in # XXXX. I file a police report with the Pennsylvania State Police. Police report filed under XXXX XXXX. XXXX. Please remove the {$5400.00} and {$5000.00} obligations from my credit card with Community Capital Bank because these charges are a result of criminal act of fraud. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: FL

Complaint narrative:
I HAVE FILED DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

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 2022-01-08 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:
My name is XXXX XXXX, and I am writing on behalf of myself to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with XXXX XXXX XXXX nor was I aware that an account was ever opened in my name. XXXX XXXX XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. XXXX XXXX XX/XX/1980 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP
State: PA

Complaint narrative:
Hi my name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached denial from KEY Bank and response from their bank office. I have been reading the law lately and According to 15 U.S.Code 1692d1692d Debt collector may not engage in any conduct ( no restriction ) which will harass, oppress or abuse any person in connection with the collection of a debt. Oppressing a right would be conduct not allowed from 1692d. Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages. 

Notice, it is a fact, affiant is aware, credit is a right granted to me as a creditor under the Truth in Lending Act and KEY CORP does not have right to oppress or abuse any part of my character which would restrict or prohibit my right to extend credit. KEY CORP has oppressed my right to extend credit which is a violation of 15 U.S.Code1692d, see Exhibit A, and B. I will also be submitting my findings to the attorney general for further investigation. I would really like for us to come to an agreement and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX an unauthorized withdrawal of {$1000.00} was attempted from my checking account. Because balance in account was low, the withdrawal was declined. On XX/XX/XXXX I visited the bank to close this account and alert bank to fraudulent activity. The bank employee put a " hold '' and " watch '' on this account so as not to disrupt my ss deposit on XX/XX/XXXX. I also opened a new checking account. 
A second attempt at a {$1000.00} withdrawal occurred on XX/XX/XXXX and was successful. 
I visited the bank on XX/XX/XXXX and closed both checking accounts and a savings account. 
The company attempting to steal from my account is COINBASE with headquarters in XXXX XXXX, CA. 
When I called the company number XXXX to shut down my account ( XX/XX/XXXX ) the person I spoke to ( XXXX XXXX ), requested that I load software to my computer so he could remotely access my computer. Why would he need access to my computer to shut down my account???? Permission was not granted and I disconnected conversation. 
I have notified COINBASE via letter dated XX/XX/XXXX to close my account. 
This person also called my cellular provider and changed my account to a different provider, and I could no longer use my cell phone. 
This security breach has been an ongoing nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I HAVE FILED DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: NY

Complaint narrative:
This collection agency Franklin Services is trying to make me pay a XXXX  related services i didnt get from a Hospital nowhere near my city. On there bill, i received 3 services including XXXX XXXX  and XXXX in XX/XX/2020... Ive never got those services so it doesnt make any sense at all ... Because i have proof that the only XXXX XXXX  i got that year was in XX/XX/2020 in a different location and paid by insurance. I dont have records of any XXXX or XXXX XXXX not even from my own hospital and primary care Dr. and why would i go somewhere else? Not to mention that the bill is signed by someone else. not even my signature. And the adress they had was from That State. Id tried to have it removed from the credit thru XXXX with all my evidence and they denied me. I would like to report this matter and have this resolve asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I received 19 emails from, the company True Accord, from XXXX to XXXX. 
A Violation of 15 U.S.C. 1692c ( a ). Within those emails are, a minimu
m total of 7 federal law violations, per email.

True Accord furnished an account that was created from a credit card.

A violation of 15 U.S.C. 1681a ( 2 ) ( b ) True Accord used profane language in their communication with me.

A violation of 15 U.S.C. 1692d ( 2 ) True Accord, claiming that I owe a debt, is a violation of 15 U.S.C. 1692b ( 2 ) True Accord is using deceptive means to collect on a debt that is not mine.

A violation of 15 U.S.C. 1692e ( 10 ) True Accord has caused damage to my credit reputation.

A violation of 15 U.S.C. 1692d ( 1 ) The amount that True Accord says I am obligated to pay is a violation of 15 U.S.C. 1692e ( 2 ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: ID

Complaint narrative:
On or about XX/XX/21 I started an application process with XXXX XXXX NMLS No. XXXX, Loan No. : XXXX. Each and every one of the requests received thru Octane were adhered to by me in a timely fashion. I advanced {$650.00} for an appraisal on my home in XXXX. I also paid for a pest inspection report and 3 different well water tests out of pocket. The appraisal was not performed until late XXXX. Now they are requesting a 4th well water test ; and, because the XXXX won't accept a pest inspection after 3 months, I have to pay again for all these reports. After 3 months their lock extension fees for the loan have gone up to {$3300.00}. The loan was at 2.25 % and now the interest rates have gone up so much that they exceed what my current XXXX loan is at. Furthermore, they can not seem to be able to secure the correct COE from the XXXX and want to charge me over {$10000.00} for XXXX funding which I will not owe to the XXXX. I am the surviving spouse of a 100 % XXXX XXXX XXXX veteran. Now, they refuse to return my calls or answer any of my communications to them trying to straighten out this mess and close the loan.

Company response to consumer: Closed with explanation