vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I ran my credit report report on XX/XX/XXXX. I saw that Wells Fargo has throughout my Covid-19 financial economic disaster been well informed of my attempts for XXXX XXXX XXXX and Pandemic assistance. My accounts that they were able to see that went into collection were due to illegal activity of yet another one of there banking products- Wells Fargo XXXX XXXX XXXX XXXX that ignored Cares Act and NC XXXX Orders- forced me to pay rent in full or be evicted on XX/XX/XXXX. 

Whereas I was told by Wells Fargo XXXX XXXX XXXX, " work harder, borrow money, get another job, it's not their problem, or get evicted. Cares Act did not matter '' Whereas I called Wells Fargo XXXX immediately after and was told that they could do a XXXX deferment and look into this. 

Whereas Wells Fargo, told me not to worry and then I started receiving calls from XXXX different numbers and multiple Wells Fargo XXXX XXXX, up to XXXX calls a day until XX/XX/XXXX. 

Whereas on I had no access to online billing until the end of XX/XX/XXXX. Wells Fargo removes online access to loans after just XXXX late payment or deferral arrangements, sends multiple billing from various departments so one never knows which bill is correct amount. 

Whereas I have been discriminated against for being on pandemic unemployment and a small business owner.There have been inquiries from multiple Wells Fargo XXXX Platforms.They proceeded to threaten me daily until XXXX. I was told because I received government aid, my business had suffered tremendous loss, and I worked as a XXXX worker that my car could be repossessed for just receiving government aid alone. 

Wells Fargo XXXX XXXX XXXX inquired XX/XX/XXXX, then mailed a full demand for loan payout from PO Box XXXX XXXX, NC XXXX, Phone number XXXX. They inquired again on XX/XX/XXXX. 

Wells Fargo XXXX XXXX XXXX inquired XX/XX/XXXX from XXXX XXXX XXXX XXXX Fl 1, XXXX, NC XXXX https : XXXX XXXX XXXX XXXX Wells Fargo Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at XXXX XXXX Community XXXX XXXX, XXXX, NC XXXX XXXX 

Wells Fargo Bank XXXX inquired on XX/XX/XXXX from XXXX. XXXX XXXX, XXXX XXXX, IA XXXX and phone number is XXXX My auto loan was closed due to XXXX, social, and financial discriminatory violations of federal, lending, and consumer practices. It is illegal to close an account, not verify balances based on receiving social, financial, and healthcare services from federal, state, and local governments during a worldwide pandemic.

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 2021-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centralized Business Solutions Company
State: OH

Complaint narrative:
Never knew about a debt regarding a company by the name of XXXX, supposedly opened XX/XX/2020. Never had any contract with them or any other company to establish this debt. No formal or informal agreements were ever made. In addition, per The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 Section 401 explains details regarding adverse credit details within my credit file. Especially since this too is a XXXX XXXX. The new laws are very explicit regarding Medical Debts now. XXXX Credit Bureau is known to not validate/accurately verify debt disputed. Tried calling the company to handle matter but they threatened to come to my job to discuss this and humiliate me/harass me. I've had it. This is the final step prior to my going to an attorney to establish and execute my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Recovery One, LLC
State: OH

Complaint narrative:
Perhaps this was some debt incurred by someone other than myself, unsure to be exact. This is regarding a company by the name of Recovery One, supposedly opened XX/XX/XXXX. Never had any contract with them or any other company to establish this debt. No formal or informal agreements were ever made by myself. In addition, per The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 Section 401 explains details regarding adverse credit details within my credit file. 

The new laws are very explicit regarding All Debts now especially those causing adverse effects on my life. XXXX Credit Bureau is known to not validate/accurately verify debt disputed per formal XXXX XXXXXXXX XXXX. 

Tried calling the company to handle matter but they threatened to take me to court verbally and have me detained, and wages garnished. I called to discuss this and all they did was beraid me/threaten me. I've had it. This is the final step prior to my going to an attorney to establish and execute my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my XXXX request and no one at any of the credit bureaus and handling my dispute requests. I am requesting that these below accounts be deleted from my credit report, especially if they are unverified and non-compliant. Thank You, XXXX XXXX  - XXXX Account- Delete immediately XXXX XXXX XXXX XXXX XXXX Account- Delete immediately XXXX XXXX XXXX XXXX XXXX Unverified Account- Delete immediately I am really looking for some guidance here ... The Credit bureaus are failing to respond and the CFPB is not assisting me at all here. I am trying to take care of my credit. 

Sincerely, 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 2021-06-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my XXXX request and no one at any of the credit bureaus and handling my dispute requests. I am requesting that these below accounts be deleted from my credit report, especially if they are unverified and non-compliant. Thank You, XXXX XXXX  - XXXX Account- Delete immediately XXXX XXXX XXXX XXXX XXXX Account- Delete immediately XXXX XXXX XXXX XXXX XXXX Unverified Account- Delete immediately I am really looking for some guidance here ... The Credit bureaus are failing to respond and the CFPB is not assisting me at all here. I am trying to take care of my credit. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a open complaint that hasnt been resolve yet. Per complaint I disputed with the XXXX bureaus and instead of them removing the closed account off my consumer report because 1 ) I dont owe or never have dealings with XXXX XXXX XXXX 2 ) How did they get my XXXX 3 ) The debt was never verified 4 ) The company refuse to verified the debt showing any contracts, proof or anything and hung up on my face. 
5 ) I never gave permission for this to be added to my report.

6 ) Even if the debt was mine, which it is not how can something be charge off at 30 days.

They raised the balance AND place a false remark saying natural disaster. What natural disaster? They cant even verify this account theirselves

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 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion consistently appears to be reporting inaccurate, unverified, and incomplete information about me. There are several items on my credit report for which are not true. 

Per new Law Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 - per section 401 - details regarding any adverse credit details contained within my personal credit file should be deleted should they not carry any contract to validate. 

I'd appreciate TransUnion to have all adverse information ( inquiries/accounts ) deleted as no information was obtained via contract either written or verbal. The law is very clear as to the civil liability that TransUnion will be responsible for, should they not comply with this law. 

My attorney felt that I should file complaint with CFPB 1st  prior to taking matter before judge in civil suit.

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 2021-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have called regions bank due to a fraudulent account that was opened using my information. I informed them that I am a XXXX of XXXX XXXX and no one is willing to help me close the fraudulent account and report this as identity theft. I will not be responsible for fraud committed on this account as I have completed my due diligence by informing the company of the fraud that has happened. They are to be responsible for all damages caused to themselves and to my credit by being negligent when identity theft is reported.

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 2021-06-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
RE : Bank of America XXXX ID # XXXX I filed the above reference claim with BofA aafter someone created a XXXX XXXX Account in my name and stole {$2400.00} on XX/XX/2021. The transaction was made on XX/XX/2021, and it appears that it was posted on XX/XX/XXXX. I filed the report as soon as I saw this large transaction. Coincidentally, I also had a large deposit on the same day as the transaction. That was my paycheck deposit and was completely separate from the fraudulent transaction. 

Apparently a few days earlier there was a transaction for {$5.00} on XX/XX/XXXX. I do not know if I saw that transaction or not but I certainly did not recognize it as a fraudulent transition. There were XXXX or XXXX other small dollar debit charges on the same day and I apparently did not see this charge among the others. 

Attached is a copy of the police report I filed with the XXXX Police Department. 

Bank of America responded that they were unable to approve the claim because " the charge was authorized by you or someone who has permission to use the card of the account. '' I did not authorize anyone. It clearly was not someone I know. 

I asked BofA for any documents they relied upon to make this decision, but they refused to give me any

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I spoke with a customer service rep on XX/XX/2021 about the XXXX XXXX  being removed from my XXXX. She had no answers other than corporate removing account due to system changes. I requested that the account be added back and she did not know how to do so. She also said I should receive a notice. As today, XX/XX/2021, there has been no notice and no account has been added back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX, 2016 I XXXXd from my now XXXX XXXX. On XX/XX/2016, my ex husband was ordered by court to pay the Wells Fargo mortgage on time and in full by the XXXX of every month. Only my name is on the mortgage. I have have gone to court over XXXX times to get him to pay the mortgage which has been extremely late every month. Wells Fargo has refused to help address the negative factors on my credit report due to his failure to comply with multiple court orders. The mortgage has now been sold but my credit is destroyed due to the negative reporting by Wells Fargo. 

I want my credit cleared of the negative marks as this has nothing to do with 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 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Letter dated XX/XX/2021 Sent by WELLS FARGO Wells Fargo conducted a review of info to XXXX. Through that investigation, it was determined that information Wells Fargo reported to XXXX was INADVERTENTLY AND ERRONEOUSLY reported as MY ACCOUNT. 

I am a recent widow, on Permanent XXXX and due to my XXXX XXXX XXXX, have lost my home and vehicle. 
I am desperately applying for apartments for myself and believe fervently that WELLS FARGO 'S reporting has largely impacted my ability to be approved! 

***WELLS FARGO REPORTED AN OVERSTATEMENT OF MY PERSONAL ASSETS WHICH HAS AFFECTED ME NEGATIVELY WITH MY APPLICATIONS FOR MY PERMANENT XXXX, HOUSING ASSISTANCE, CREDIT DENIALS, HOUSING APPLICATION DENIALS. 

I AM DEMANDING THAT ALL NEGATIVE REPORTING TO ALL AGENCIES BE REMOVED & RETRACTED WITH ADMISSION OF WRONGDOING BY WELLS FARGO, XXXX. 

I ALSO DEMAND MY CURRENT CHECKING & SAVINGS ACCOUNTS WITH WELLS FARGO BE IMMEDIATELY UPDATED, CLEARED OF ALL CHARGES AND BROUGHT BACK TO A POSITIVE BALANCE. 

I WILL BE SEEKING LEGAL ADVICE IN REFERENCE TO A CLASS ACTION SUIT AGAINST WELLS FARGO, XXXX. & SUING FOR MONETARY DAMAGES. 

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 2021-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I intended to apply for a Wells Fargo Visa signature card, but accidentally applied for the Wells Fargo Visa Signature last applied.. I applied for the wrong card because Wells Fargo since I couldn't tell the difference between the two cards.. 

When I called the 1-800 number on the back of my card, the customer service representative to see if I could switch to the correct product, the representative kept on kicking me around to three or four departments. Some even told me to go to the branch or apply online, instead of helping fix the mistake. 

I really didnt want to deal with any of their XXXX, so I submitted another application for the wells visa signature card. I'm afraid that the hard pull will affect my credit score and that i will declined for the card..

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 2021-06-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
For over 4 years, This Major Credit Bureau has refused to delete all the unsubstantiated details within my credit file for which there is no contract at all. I've disputed with them multiple times and I've expressed to them my concerns regarding all of the information within their data breaches that have caused this. They choose to do nothing about issues. They would much rather deny my complaints consistently than to comply with Federal Law.

The Law States that per The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020, section 401 explains details regarding any adverse credit details contained within my personal file are to be REMOVED. I'd appreciate if this Major Credit Bureau can finally obey the law.

I'll obtain a copy of this complaint to collect with other data to forward to my attorney regarding their persistent defiance with the law. I have collected several pieces of evidence ( s ) for which will help us to win a favorable ruling in court. This is my final communication that my attorney asked me to submit and task to execute.

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 2021-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This collection reported on my credit report needs to be removed off of my credit report as soon as possible. The company has failed to comply with contacting me back. The date of this opened account is XX/XX/2020, and the amount is {$330.00}. Also, for each bureau it is reflecting a different date on my report. This is grounds to have it removed as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 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:
I sent a certified letter on XX/XX/2021 to XXXX XXXX XXXX care of XXXX XXXX XXXX XXXX for two debts that I owe. I am presently in a debt relief program ( XXXX XXXX XXXX ) that is settling my debts after negotiating a percentage that will be paid monthly. My original creditor was XXXX XXXXXXXX XXXX XXXXXXXX. with a balance of {$1600.00}. The settlement amount was reached by the current creditor, XXXX XXXX XXXX XXXX not XXXX for the amount of {$760.00}. The second debt XXXX which was sold to XXXX that went to collection. XXXX XXXX XXXX which is the current creditor. This account is XXXX years old and XXXX months old which pass the statue of limitation but a settlement was reached for me to pay {$830.00} at which is being paid monthly. My concern is that I notified the Credit Report Agencies regarding the amount owed and the current creditor is not XXXX XXXXXXXX and XXXX sent me a letter to send a certified letter to XXXX XXXX XXXX care of XXXX XXXX XXXX XXXX with documentation to remove from my credit report. It is still on my credit report! XXXX removed one of the XXXX items and then two days later it was back on my credit report. The amounts are incorrect and XXXX is not the creditors! Please Please get them off my credit report. XXXX XXXXXXXX XXXX XXXX. and XXXX are being paid monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: TX

Complaint narrative:
I have a open complaint that hasnt been resolve yet. Per complaint I disputed with the three bureaus and instead of them removing the closed account off my consumer report because 1 ) I dont owe or never have dealings with XXXX XXXX XXXX  2 ) How did they get my SSN 3 ) The debt was never verified 4 ) The company refuse to verified the debt showing any contracts, proof or anything and hung up on my face.

5 ) I never gave permission for this to be added to my report.

6 ) Even if the debt was mine, which it is not how can something be charge off at 30 days.

They raised the balance AND place a false remark saying natural disaster. What natural disaster? They cant even verify this account theirselves

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: TX

Complaint narrative:
I have a open complaint that hasnt been resolve yet. Per complaint I disputed with the three bureaus and instead of them removing the closed account off my consumer report because 1 ) I dont owe or never have dealings with XXXX XXXX XXXX  2 ) How did they get my SSN 3 ) The debt was never verified 4 ) The company refuse to verified the debt showing any contracts, proof or anything and hung up on my face.

5 ) I never gave permission for this to be added to my report.

6 ) Even if the debt was mine, which it is not how can something be charge off at 30 days.

They raised the balance AND place a false remark saying natural disaster. What natural disaster? They cant even verify this account theirselves

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 2021-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On XX/XX/2021, I purchased {$1500.00} worth of usd coin on Coinbase. The transaction has been stuck on pending ever since, though I have yet to recieve any help despite my bank account being charged for the sum. Ive created multiple tickets without any replies.

Company response to consumer: Closed with explanation