vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
i want them to be removed. 

XXXX 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity ThefXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft WF BANK NA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

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 2021-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
The XXXX XXXX dealership finance person using BB & T XXXX XXXX refused to show me the lender that was offering the auto loan and insisted that I use their preferred lender ( unclear who that was though ). I was only able to identify the source of the offering by reviewing my credit report later. I requested to see the offerings on the computer screen, and the individual insisted that I could not see my own information regarding the offering on the computer screen for my " privacy. '' Instead, she offered a handwritten post-it note and insisted that this was the only way to share the offering information with me. I shared that I felt uncomfortable with that and was surprised to see such a high interest rate ( more than double market averages ). Eventually, she relented and allowed me to see part of the screen. I requested to see the offering from XXXX XXXX XXXX, which she refused to show me, even though there is a hard inquiry on my credit account. She scrolled to the top left of the screen where XXXX branding was shown. It appeared to be a XXXX XXXX XXXX portal that had services from several different lenders. The center of the screen had several sections including specific lender information. The finance person refused to scroll to that section and show me who the specific lender was. Based on the facts surrounding this situation, I believe that the individual purposefully withheld information about lenders and rates, because I had caught them misleading and/or lying about the offering details. I offered to use financing that I had externally secured, and the finance person refused to proceed even after I made multiple requests to move forward with the financing that I requested. I refused to proceed without consumer financial information that I have a right to. However, I was never able to secure written confirmation of offerings, rates, or how many credit inquiries were run ( and with who ). Unfortunately, my credit score has gone down, and I have inquiries on my report without having received written offerings of any kind.

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 2021-09-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: OR

Complaint narrative:
Us Bank, XXXX XXXX ( XXXX XXXX  XXXX XXXX ) Dont properly investigate claims, Deny Claims before asking for any documentation regarding the claims to be provided to assist in the process.

Do not accommodate any requests forms of assistance regardless of the circumstances and the requirements for the delivery of the services at no additional cost to them but still no provision of ADA / Disability Disorders and Needs for Alternates in Communication/ And all other forms involved in doing Business with them are not being provided and /or addressed to, most are Disregarded and /or provided a proper form of attention to, lack ce in the responses given compared to what is required to exist in order to be denied access, Equal, Fair, Non discriminations in the process and delivery of services provided to the public allows for equally access and Opportunities to use and benefit f

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 2021-09-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the following accounts : XXXX XXXX XXXX XXXX-Date Opened : XX/XX/ XXXX  XXXX XXXX XXXXXXXX XXXX XXXX-Date Opened XXXX XX/XX/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have been a Discover Credit Card customer since XXXX and I was not receiving any email notifications, calls regarding my past due and payment posted late on my account in XX/XX/XXXX. I was going through hospitalization  from XXXX to XXXX due to my XXXX issue and there was an error in email thats why I havent received any communication to email and I was facing some identity theft issue and I moved to another house and my father XXXX  near to bathroom and he was also in hospital at that time and unfortunately I lost him in XX/XX/XXXX, and there is a gold jewelry robbery in my home of around XXXX $ worth, due to these multiple things going on at that time I was in full XXXX  and I was in impression that I already paid and as soon as I came from hospital I checked the account and paid immediately but they already reported this 30 day late payment in XX/XX/XXXX to all 3 credit bureaus. I contacted creditor multiple times and requested to remove this late payment but they did not helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
See attached dispute results and ( 7 ) circle items. These items are still appearing on our report even after Equifax indicated they were deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC Systems has contacted me almost daily for a week regarding medical debt. I have advised them EACH time that I am not currently employed and am unable to pay the debt at this time. On the call that took place approximately XX/XX/2021, I advised them that the address they had on file was incorrect and I confirmed my po box  address so that they may send the legally required validation of debt, which they have yet to resend. On the call today, XX/XX/2021, the agent that I spoke to continued to attempt to delve into my personal life and finances which I advised her were not her concern as I had already advised I had no income. Once the call ended I called back to speak to a supervisor, I advised the supervisor that their company was in violation of sections 806, 808, and 809 of the FDCPA to which her response was that she would remove my number and listen to the calls. I again advised that at this time they were outside of the legally required window for validation of the debt and she stated that she would resend the letter, to which I quoted again that she was outside of the legally required window. I asked to speak with someone within the company who took these matters seriously to which she replied that she does and that she's removing my numbers and I should keep hers.

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 2021-09-28 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: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of Inquiry : XXXX XXXX This is not mine. 

2. Identity Theft XXXX Date of Inquiry : XXXX XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Date of Inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of Inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX  Date of Inquiry : XXXX This is not mine. 

7. Identity Theft CONSUMER PORTFOLIO S Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc
State: PA

Complaint narrative:
I disputed this account because it is clearly inaccurate on my credit. I sent the letter to the address reported to my XXXX report just a few months before. That address is incorrect and the mail was returned to me, thus infringing this consumers right to dispute the account, which is a violation of the FCDPA. They then received my mail after I found their proper address to dispute the account, rather than deleting the account due to the clear inaccuracies as required by the law, they sent me private medical billing information through the mail, and it could have been opened by anyone! They have violated the FCRA, FDCPA, and my rights according to HIPPA. I demand resolution to this matter! I have already complained here once, please help me resolve this matter quickly!

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 2021-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
i want them to be removed. 

XXXX 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: FL

Complaint narrative:
I purchased a vehicle on XX/XX/XXXX of XXXX at XXXX XXXX XXXX. upon doing business with this dealership..I ended getting a auto loan from XXXX XXXX XXXX. As a result in XXXX of XXXX  the finance company received the full payment remaining of {$40000.00} on XX/XX/2021. Upon receiving payment my credit report was suppose to be updated to PAID not CLOSED and my credit score has been decreasing every since. I have contacted XXXX XXXX  and all they would say is we are working on it. it's past 30 days since XX/XX/XXXX of XXXX and I WANT ANSWERS NOW as to why they have failed to update my credit report accurately instead of causing chaos by reporting it was CLOSED causing issues with my credit score instead of raising my credit score it has been lowering my credit score significantly and I have A HUGE PROBLEM WITH THAT. I have disputed that information with all 3 credit bureaus as the account has been paid I even have proof regarding my payment history and the letter that they have sent. as well as the letter stated if i was owed any warranty gap insurance that i would be refunded but i haven't heard anything else about it.

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 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
received a letter from mr cooper saying that the last payment they received was insuffient and will b placed in a unapplied funds account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
My mother received a statement from Wells Fargo in my name. Didn't think much of it but found it was an XXXX XXXX account. Opened on or before XX/XX/XXXX as the statement has no balance nor transactions from XXXX. I have never done business with Wells Fargo.

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 2021-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.

Complaint narrative:
I made two payments fairly close together. They are refusing to recognize the second payment and say that it is still due, no one has since tried to assist. I have sent them proof of payment and relevant reference numbers and no one is responding to me. 

1. I made two payments ( {$400.00} each ) which cleared on the XXXX of XXXX and the XXXX of XXXX. 

2. On XX/XX/XXXX they deducted the first payment but are still to date not acknowledging to the second payment. 

3. I have emailed three times and received a response ONCE on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TRANSUNION AND XXXX ARE REPORTING A DEROGATORY ACCOUT ON MY CREDIT FILE FOR {$2100.00} DOLLARS, WITH NO INFORMATION ON HOW TO REACH THE COMPANY THAT PUT IT THERE. I HAVE A RIGHT TO KNOW, OR IT SHOULD BE 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 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was paying off in full the amount due on Citi Costco credit Card.

At that moment the Citi Costco credit Card system gave me three options:1 ) to pay the minimal payment 2 ) to pay in full ; 3 ) or to pay another amount. I opted to pay in full! The Citi Costco credit Card system indicated the total amount that was expected to be paid for account to be considerer paid in full, I paid on XX/XX/2021 the amount of {$6000.00}. I made the payment to Citi before the due date, I have disputed the extra charge of {$66.00} with Citi Costco bank and indicated to them that at the point I was paying off that the full amount paid was the amount required to be paid in full payment now I am surprised you are charging me XXXX because they received the payment on XX/XX/2021 ... This is robbery!!! 
The contact information for a formal complaint should be sent to this address : Office of the President c/o Citicorp Credit Services , Inc. ( USA ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ID 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 2021-09-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX -- Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Highest Balance {$1700.00} XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Highest Balance {$1700.00} XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: NY

Complaint narrative:
please removed these accounts 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft WF/XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

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 2021-09-28 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I ( a natural person ) was issued a false debt and is steady being violated by Wells Fargo Auto Services. They sent me a letter which I uploaded with the alleged debt and many violations that they broke. I am the original creditor who provided debt and this company keeps harassing me about an alleged debt. 


Take further notice that I am the true creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefore I am a consumer who created the debt via my extension of credit to WELLS FARGO AUTO.

WELLS FARGO AUTO shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

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 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase, XXXXigital currency exchange platform co., for my XXXX savings. Coinbase took {$22000.00} USD out of my portfolio. Happened on XX/XX/2021. 
I never released any of my ID data, etc. to anyone. CB is making it very difficult to help me recover my funds. Said could not be traced? WHY? I think this was an " inside '' job. I am XXXX XXXX XXXX with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation