vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo cpi lied about the questions they sent. One of? What financial affect after car repossessed. I was sold a lemon car. I was a victim of fraudulent bank sales by Wells Fargo. How could they approve me if my husband truck was just repossessed my name was on the loan. I stated extremely hardships that me, husband and XXXX & XXXX yrs daughters lost our home & jobs. We were sleeping in my sisters borrowed car during heatwave risking 99.9 % of our lives, sleeping in my sisters bedroom in the floor where lots of roaches were. On XX/XX/20 I called executive auto office Wells Fargo to check about status on my check and the lady started yelling at me very rude telling me to stop calling. She mentioned to me that there was another check issued to me. I never received. I also got this letter from executive auto office Wells Fargo. It was a weird one I responded and left several messages and never returned them. Wells Fargo Administrator lied and lied to me. I dont deserve this Wells Fargo owes me a lot more. Please help me get justice from them.

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 2022-02-06 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: NY

Complaint narrative:
I am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: OR

Complaint narrative:
American Education Services ( AES ) is collecting student loan debt in my name that seems to have originated from a maze of student loan lenders, including XXXX XXXX XXXX XXXX. Upon tracking down the origin of the purported loan in my name, the original loan was created under false or fraudulent circumstances ( though the information is rather opaque ). It is the reason why the loan has had a 0 % interest rate since before the pandemic - because it is a fraudulent loan - a junk loan. Upon reading several articles and threads, it seems that this junk loan was supposed to have been dismissed years ago ; however, it seems that AES purchased the junk loan from another servicer and began collecting on it under a different name- which is all extremely concerning behavior. Using the advice of council, I contacted AES and asked for a Master Promissory Note. They sent me a generic document that DOES NOT include ( XXXX ) my name, ( XXXX ) my signature, ( XXXX ) any information about the debt they claim to own, ( XXXX ) any proof that AES indeed owns the debt in the first place. Therefore, we asked AES to cease collections immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This is causing Financial injury, Defamation of Character, and had hurt my ability to obtain credit & employment. 

on XX/XX/2022 I reached out by letter to the credit bureaus about inaccurate information on my credit report and still have yet to receive a reply or any type of resolution.

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 2022-02-06 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: LEXISNEXIS
State: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander Consumer USA has recently settled in a 33 State Class Action Lawsuit for Predatory Lending Practices. In the settlement, Santander has agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions going back to XX/XX/XXXX- XX/XX/XXXX. I would also like to add that they are reporting incorrect information on all three credit bureaus preventing me from opening new accounts and purchasing another vehicle. 

I demand that this account be deleted, all collection efforts cease and any information about this account sent to credit agencies/bureaus be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On or about XX/XX/2021, I made a final payment of {$450.00} to Wells Fargo Home Mortgage ( XXXX ) on my loan. This payment was returned by XXXX indicating they do not accept partial payments and that I had to include the satisfaction of mortgage fees with my payment. 

I am not disputing that I need to pay the satisfaction of mortgage fees, but have been letting XXXX know the following for the past year ; 1 ) No where in my mortgage documents does it say that XXXX will not accept a payment without the satisfaction fees and XXXX has not shown me in writing where this policy is stated. 
2 ) I have also informed XXXX I agree that I must pay the satisfaction fees, however, here in XXXX XXXX, NY a New York court ( XXXX XXXX XXXX XXXX ) has declared certain fees illegal and XXXX XXXX  has appealed this decision. I do not wish to pay what as of now are illegal satisfaction fees. 

The failure of XXXX to apply my final payment to my mortgage is causing me to incur additional interest fees and has had a serious detrimental effect on my credit rating. 

This has been ongoing for over one year.

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 2022-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Revolut Technologies Inc.
State: IL

Complaint narrative:
All of it began on or about XX/XX/2021. On this date, I received a total of {$760.00} for XXXX transaction disputes I made - and these XXXX  transactions were provisional credits, as per Regulation E. Immediately, I attempted to use my Revolut ATM pre-paid debit card at an ATM to withdraw my funds and I was declined. I made numerous attempts to use my funds, as I received an email that the funds were mine to freely use, as per Regulation E. I Immediately contacted the company, Revolut via XXXX App to complain I was unable to use my funds. The agents refused to tell me anything except they would pass my complaint to the relevant Department. I asked what Department the agents were referring to, and they said they weren't allowed to tell me. I followed up daily and was told the same thing, until I was finally advised my account was being closed. I was also informed no credits credits any nature would be credited as my account was closing. It was then, on XX/XX/2021 I was allowed to transfer these funds via ACH to my XXXX Bank Account by XXXXXXXX XXXX During this time, and I'm not telling about a completely different matter, I also had a credit of {$200.00} being returned to me. Nearly everytime I contacted this Company, Revolut, their agents kept referring to 'the relevant department ' and I was unable to acquire the name of or communicate to this Department and the agents routinely engaged in unproductive communications or purposefully, they would keep stating my account was closing and " we are sorry you are upset about it ''. Finally, after filing a formal complaint with this Company, the {$200.00} was credited towards a now negative account balance. I had requested this credit be sent to me in check form or via ACH to my XXXX Bank Account and I never received a response to my request. I immediately wrote customer service who would not address my concerns. Further, I received an in-app notification my {$740.00} ACH Transfer was experiencing problems and it was delayed. To this date, I have never received this ACH Transfer and the company has since stated the Dispute I filed was improper and that Iost and has since debited my account the same and which is why it is now negative. I feel Revolut had improperly serviced my account. I feel Revolut has engaged in improper and illegal behavior as I feel they have retaliated against me for my numerous complaints and subsequently and routinely refused to acknowledge or discuss my many complaints. This Company has violated my Rights in relation to Regulation E and I never was able to use these funds 'freely ' as their email states.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: NY

Complaint narrative:
I am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
www.netcredit.com sends me email weekly saying I owe them {$8100.00}. I have asked them to provide proof of the debt. The provided information which was disclosed in several identify thief situation I have been involved for the last 10 years to include Working for the XXXX, data was stolen due to an unsecured computer ( 16 years employed ) XXXX XXXX, XXXX medical records were stolen ( 12 years in the XXXX XXXX ) XXXX lost data. I was with them for 10 years XXXX XXXX XXXX. I work there for 7 years XXXX data breach my credit information was stolen. 

They were not able to provide me with the bank this money was deposited into. 

Please have them stop contacting me regarding this loan as it is not mine. I retired from 35 years of federal service in XX/XX/XXXX. This loan was taken out in XXXX. I had no need for a loan during this time as I was getting a government pension, social security and VA disablity. I also own a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a federally protected consumer and have been a victim of fraud.

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 2022-02-06 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: GA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed 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 2022-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2022 I applied for the Venture X credit card through Capital One and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: NV

Complaint narrative:
On XX/XX/XXXX I submitted a dispute with Equifax to investigate unauthorized inquiries to my report. They failed to provide me with any documentation that the inquiries where legitimate. I want these unauthorized inquiries immediately removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: MI

Complaint narrative:
I am a victim of fraud. Block and remove all accounts listed.

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 2022-02-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
US DEPT ED {$14000.00} US DEPT ED {$27000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$660.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$190.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) {$910.00} according to the LAW 15 USC 1292J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k  of this title for failure to comply with a provision of this subchapter.

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 2022-02-06 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: TX

Complaint narrative:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: GA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed 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 2022-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: MI

Complaint narrative:
I have contacted all three credit Bureau, XXXX XXXX, XXXX and The Bureau to get this resolved since XX/XX/XXXX. XXXX credit agencies are reporting the same debt two different amounts and days apart. It is also showing as past due but was satisfied via garnishment and should state collection paid as of XX/XX/XXXX. This is with XXXX funding and The Bureaus. XX/XX/XXXX & XX/XX/XXXX is the reporting date in the amount of {$1500.00} & {$1500.00}. XXXX XXXX is reporting an account on XX/XX/XXXX in the amount of {$72000.00} this is not my account and nor was there an inquiry completed for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation