vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This is my SECOND complaint about Wells Fargo and I filed a complaint with my states Attorney General. Wells Fargo is still committing fraud and identity theft against me. I filed a CFPB complaint reporting the violations they made against me with proof for all. I filed an FTC identity theft report. I sent an Affidavit of Truth via certified mail XX/XX/2021. I also attached proof they received it ( XX/XX/2021 ). Under the Laws of Commerce, an un-rebutted Affidavit Stands as Truth. I'm writing this complaint to address that Wells Fargo has not rebutted the Affidavit I have sent them. They responded to my last CFPB complaint with documents stating they did a " reasonable '' investigation. This is not a proper rebuttal to an Affidavit of Truth. Plus, they must rebut ALL violations with proof of ALL and via ANOTHER Affidavit of Truth. They failed to do so. Therefore my Affidavit sent stands as Truth and they are liable to compensate me for the violations they committed against me. 

One of the " rebuttals '' on their " reasonable investigation '' was that I paid multiple payments on the card. This was a violation I provided in my Affidavit of Truth. This shows me they didn't even read it. They committed to their own crime and are seeing if I'm paying attention. I AM. They sent me XXXX statements for 2021 showing that the payments I made which is unlawful pursuant to 15 USC 1692h ( which, again, was a violation I provided in my Affidavit of Truth ). 

Wells Fargo proceeded to create additional accounts without my consent to continue their attempts to collect an alleged debt. Proof is attached. Not to mention, a class action lawsuit was filed against Wells Fargo for opening unauthorized accounts in the past. This is a violation of 15 USC 1602p. 

I now have more late fees accumulating on the account and it has decreased my XXXX XXXX drastically, not allowing me to obtain more credit. 

This is completely unlawful and abusive. I have done all steps needed via the federal law and Wells Fargo is still breaking FEDERAL laws pursuant to the FDCPA and violating me as a federally protected consumer under 15 USC Chapter 41. Wells Fargo is still liable for all statutory damages that I have endured ( refer to initial CFPB complaint ID stated herein ). I did not apply or sign for the card with the new account number, therefore I am not to be legally held to the contract.

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 2022-01-13 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: TX

Complaint narrative:
Santander used predatory lending practices and was in litigation with the XXXX XXXX XXXX XXXX XXXX XXXX These predatory practices have affected me as a consumer because they have put a charge off on my credit for over {$20000.00} that has been there for 8yrs and 11 months that should not be there!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have opted out of all advertisement from Wells Fargo and am now reviving credit card offers as well as soft pulls on my credit report from them. I have not accounts other then a mortgage with them. The opt-out from advertisement should cover all items and services. In addition they inquired about credit with out permission in their credit card services. When bring the issue to their attention I waited on hold for XXXX hours only to be hung up on! Opt out means do not contact unless is regarding current accounts. Not here is a credit card offer!

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 2022-01-13 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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE OPENED THE FOLLOWING FRAUDULENT ACCOUNTS IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX I HAVE ENCLOSED MY FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I have student loans from XXXX that Ive had since I was XXXX. They just recently transferred them over to a different company ironically rigt when they had a lawsuit against them for XXXX  us over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: PR

Complaint narrative:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: PR

Complaint narrative:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
fact, I the affiant is aware and have proof that XXXX has and definitely continues to violate my consumer privacy rights. I the affiant during my personal investigation, observed XXXX violations and counting on my consumer credit report. XXXX continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed that the information was in fact incorrect and should not have be placed on there. Due to XXXX willful and gross behavior ; I have been reputedly violated and as a result of XXXX negligence, I have been Injured numerous times. The injuries include but are not limited to being denied credit, My valued reputation has been utterly disgraced and ruined, loss of business income, XXXX, and 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 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
fact, I the affiant is aware and have proof that TransUnion has and definitely continues to violate my consumer privacy rights. I the affiant during my personal investigation, observed XXXX violations and counting on my consumer credit report. TransUnion continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed that the information was in fact incorrect and should not have be placed on there. Due to Transunion willful and gross behavior ; I have been reputedly violated and as a result of Transunion negligence, I have been Injured numerous times. The injuries include but are not limited to being denied credit, My valued reputation has been utterly disgraced and ruined, loss of business income, XXXX, and mental anguish.

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 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was a member of USAA Federal savings bank for 17 years. I got my first account there at age XXXX, I was able to get this account because my deceased father was an XXXX XXXX XXXX. I used USAA for checking, savings, car and renters insurance. They recently closed my accounts stating they couldnt give me a reason as to why they did, I spoke to many managers and refused to hang up without an answer and after two hours on the phone they ended up telling me someone would call me which of course they never did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE NEVER GIVEN TRANSUNION, XXXX OR XXXX ORAL OR WRITTEN CONSENT TO PLACE THESE ACCOUNTS ON MY CREDIT FILE. THIS IS ALL FRAUD '' XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX and XXXX ACCT # XXXX XXXX. COLLECTION UNLIMITED A. THESE ACCOUNTS NEEDS TO BE DELETED TRANSUNION IS VIOLATING MY RIGHTS AS A CONSUMER THIS IS FRAUD. 

XXXX XXXX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY NEED TO DELETE THESE COLLECTIONS IT IS FRAUD. 

XXXX XXXX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY NEED TO DELETE THESE COLLECTION OFF MY CONSUMER FILE

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 2022-01-13 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021

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 2022-01-13 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: DISCOVER BANK
State: IL

Complaint narrative:
I purchased a watch using my Discover card through XXXX. The watch arrived broken. I disputed through Discover. The merchant ( XXXX watch ) and I came to agreement to resolve the issue after which I closed the dispute with Discover. XXXX never received notice that the dispute had been closed. XXXX officially closed the case on their end, siding with me, not paying the merchant, because they never received notice from Discover that I had closed it and it should go in the merchant 's favor ( them getting paid ). Discover went ahead and charged me again for the full amount on XX/XX/21. To recap : I dont have the money, XXXX XXXX have the money, the merchant doesnt have the money. Discover has the money and they refuse to accept an email from XXXX saying XXXX doesnt have the money and never got information saying the dispute had been settled in the merchants favor as proof. Discover is sitting on my money claiming they dont have it and they wont do anything about it. They wont let me open a new dispute because they say it cant be done twice on the same transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: Renew Financial Holdings Inc
State: CA

Complaint narrative:
I've reached out to Renew Financial Group LLC several times to discuss an unauthorized pace loan that was made to my property taxes. I never given anyone permission to take a loan of some sort out under my name or attached to my property taxes. Renew Financial has continued to drop the ball and my various complaints have fell on deaf ears. If this matter isn't corrected I will begin to take legal action against Renew Financial. This is clearly ID Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: DISCOVER BANK
State: FL

Complaint narrative:
My Discover Student Loan Account # XXXX is reporting as delinquent for missed payments for XXXX, XXXX and XXXX for 30 days late, 60 days late, and 90 days late respectively. However, I didn't even finish school yet and I don't pay on the loan until I graduate the loans are deferred until I graduate from school and I haven't even graduated yet. I graduate in two semesters so this doesn't even make any sense to me. Discover Student Loan is severely hurting my credit score and report where I can not even get an apartment with my credit score to rent a place near my school that they gave me the LOAN for. This is extremely frustrating and Discover is ignoring all my emails and responses when I reached out to them. This is inaccurate, and unfair I need this fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am submitting this complaint on behalf of myself. It is sad that these companies can flat out violate the federal law like this. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I will be filing with the federal courts about the continuous back and forth with the credit reporting agencies and companies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify not one thing. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level.

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 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
It has come to my attention that Mariner Finance has acquired and shared my information to other companies without my written permission. According to XXXX XXXX XXXX  - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX  ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of XXXX XXXX XXXX ( a ) ( XXXX ) Infringed Upon a Consumers Right to Privacy.

Furthermore, this account is reporting negatively on my consumer report when it is paid in full. On my XXXX and XXXX is it reporting as a derogatory mark which isn't accurate and is hindering my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My XXXX Student Loan Account # XXXX is reporting as delinquent for missed payments for XXXX, XXXX and XXXX for 30 days late, 60 days late, and 90 days late respectively. However, I didn't even finish school yet and I don't pay on the loan until I graduate the loans are deferred until I graduate from school and I haven't even graduated yet. I graduate in two semesters so this doesn't even make any sense to me. XXXX XXXX XXXX is severely hurting my credit score and report where I can not even get an apartment with my credit score to rent a place near my school that they gave me the LOAN for. This is extremely frustrating and XXXX is ignoring all my emails and responses when I reached out to them. This is inaccurate, and unfair I need this fixed!

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 2022-01-13 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: FL

Complaint narrative:
My XXXX Student Loan Account # XXXX is reporting as delinquent for missed payments for XXXX, XXXX and XXXX for 30 days late, 60 days late, and 90 days late respectively. However, I didn't even finish school yet and I don't pay on the loan until I graduate the loans are deferred until I graduate from school and I haven't even graduated yet. I graduate in two semesters so this doesn't even make any sense to me. XXXX XXXX XXXX is severely hurting my credit score and report where I can not even get an apartment with my credit score to rent a place near my school that they gave me the LOAN for. This is extremely frustrating and XXXX is ignoring all my emails and responses when I reached out to them. This is inaccurate, and unfair I need this fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: FL

Complaint narrative:
My XXXX Student Loan Account # XXXX is reporting as delinquent for missed payments for XXXX, XXXX and XXXX for 30 days late, 60 days late, and 90 days late respectively. However, I didn't even finish school yet and I don't pay on the loan until I graduate the loans are deferred until I graduate from school and I haven't even graduated yet. I graduate in two semesters so this doesn't even make any sense to me. XXXX XXXX XXXX is severely hurting my credit score and report where I can not even get an apartment with my credit score to rent a place near my school that they gave me the LOAN for. This is extremely frustrating and XXXX is ignoring all my emails and responses when I reached out to them. This is inaccurate, and unfair I need this fixed!

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 2022-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We've enjoyed a business relationship with XXXXXXXX XXXX the services of our XXXX XXXX Credit Card for the past three years. Capital One Recently purchased the servicing rights to this credit card in XXXX or XXXX of 2021. Capital One proceeded to cancel all existing autopayments without proper verbal or written communication to the existing customers and card holders of the XXXX XXXX Credit Card. In reviewing our credit history with XXXX XXXX and XXXX XXXX we've never incurred a late fee or a negative payment history, however after the aquistion by Capital One the removal of our enrolled autopay created a late payment and a late payment fee. Capital One agreed to refund our fee of {$40.00} for there mistake, but not correct our credit report which now reflect a late payment in our now blemished credit history. I would like to seek protect and assistance by the consumer financial protection bureau and protection under the laws to assist in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE NEVER GIVEN XXXX, XXXX OR EQUIFAX ORAL OR WRITTEN CONSENT TO PLACE THESE ACCOUNTS ON MY CREDIT FILE. THIS IS ALL FRAUD '' XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX and XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX. THESE ACCOUNTS NEEDS TO BE DELETED XXXX IS VIOLATING MY RIGHTS AS A CONSUMER THIS IS FRAUD. 

XXXX EQUIFAX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY NEED TO DELETE THESE COLLECTIONS IT IS FRAUD. 

XXXX XXXX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY XXXX XXXX XXXX THESE COLLECTION OFF MY CONSUMER FILE

Company response to consumer: Closed with explanation