vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo and myself are in the process of dealing with the second account which I never applied for. First a young lady by the name of XXXX who I was in conversation with was wonderful. Now the next step is with a gentleman I am in contact with. 

Wells Fargo always denied I had two accounts but I did. Whoever manipulated the loan agreement did it behind my back. Ever since I found my voice to fight injustice my biggest worry and concern were for people who were XXXX  XXXX, XXXX  XXXX, illiterates and just totally stressed. 

Anyone who handles money for anyone should have the highest integrity one can stand on. Loan officers, brokers, advisers, attorneys should have the strongest regulations over them and the strictest penalizes against them if they commit wrongdoing. Integrity and honesty must be the forefront of every financial deal. 

I have been writing to every Senator, Agency, especially this one and the House Finance Committee along with sending my complaints to Wells Fargo.

Out of all the people I spoke with from the time I found out there were two accounts in my name I voiced my concerns from 2011 to present. Over 10 years. Over those ten years only ONE ( 1 ) person ever told me I had two accounts not one. Everyone else said I had one and gave me some poppycock story which I never believed. 

XXXX XXXX told me on XX/XX/XXXX a loan for XXXX # XXXX Another loan for XXXX on XX/XX/XXXX. Also on my Note where there is a loan officer by the name of XXXX XXXX who I have never met and have no recollection of this person. Everyone I dealt with were females and the only male was XXXX the loan officer on XXXX. Many years later. XXXX XXXX is the only one who was honest with me to tell me " Yes there are two accounts and both are for XXXX. This never appeared until XXXX when I made my payment in XXXX Virginia for over 400 dollars. 

Then XXXX to present, the principal never changed but before that my principal was going down. 

This day and the day I step foot into Wells Fargo I never never applied for two loans not with the credit score I had. The only word that comes to my mind is Predatory Lending. Someone took advantage of me big time when I was at the lowest point in my life. You couldn't get any lower where I was in my life at that time. The worst I trusted the loan officer. My trust was thrown away like garbage or threw the paper shredder. 

Trust is so important. Honest is even greater and Integrity is the pinnacle of a business.

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 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
I purchased a phone and ipad from XXXX XXXX. Both devices were returned, and the services were never activated. XXXX XXXX automatically started charging for phone and data services, even though the services had not been activated and the phone/XXXX  were returned without even being opened. 

Issues- XXXX XXXX Financial Department is always closed, despite messaging, and they don't answer the phone. I spent hours trying to resolve this issue over chat on two occasions and then by phone on a third try. This process takes hours and was almost impossible to resolve, despite my efforts. - XXXX XXXX automatically created phone accounts and started charging for services that were never activated, simply for purchasing hardware products from their website. When the hardware is returned ( unused ), XXXX leaves the phone/account open and starts billing for phone/data plans without activating the services! They even send notices that the phone number needs to be activated, and they are billing at the same time! 

They also tried to force me to create an online account ( and accept terms to entrap me ), - just to " work with me '' to resolve the issue. Completely inappropriate! I did not want an account and the devices were returned within the 30-day required period, unused. 

Eventually, XXXX credited the account that was NEVER ACTIVATED, but not before sending it to a creditor for collection! Outrageous and completely corrupt business practices. They should not be sending bills and charging for services never used or activated and the related hardware products already returned!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: AZ

Complaint narrative:
TO BOTH XXXX AND TRANSUNION I HAVE BEEN DISPUTING THIS ISSUE WITH BOTH XXXX AND TRANSUNION SINCE 2020 ... YOU ARE NOT A CREDIT BUREAU. You are buying and selling information which is against my individual right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction NO further verification or investigation is required you broke multiple laws and i'm not going to take time out of my day to continuously repeat myself... YOU THE CFPB ( Consumer financial protection bureau ) needs to hold these agencies accountable Both XXXX AND TRANSUNION XXXX NOW. I will bring litigation in regards to this matter are it is very clear laws are being broken. 

DELETE THE FOLLOWING PUBLIC RECORD : XXXX  XXXX BANKRUPTCY - TRANSUNION DISCHARGED XXXX BANKRUPTCY - XXXX these are clearly inaccurate and i've already previously disputed numerous times and have came back as verified by the BOTH of you.

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction or consent furthermore DELETE THE FOLLOWING XXXX & TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-17 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:
I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )

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 2022-03-17 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:
experian is reporting telephone numbers that do not belong to me. Experian refuses to remove these numbers. The last time i tried to get these unknown numbers removed was on 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 explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I received a demand letter from Cooling & Winter XXXX XXXX XXXX  XXXX on XX/XX/2022. Cooling & Winter XXXX XXXX XXXX XXXX are debt collectors demanding to collect a debt on behalf of XXXX XXXX XXXX ( XXXX ) XXXX. I have not received any goods or services from Cooling & Winter XXXX XXXX XXXX XXXX and I do not know how they received my private personal information. Cooling & Winter XXXX XXXX XXXX XXXXXXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I have not agreed to pay/tender anything to Cooling & Winter XXXX XXXX XXXX XXXX 
I am not a party to any agreements that Cooling & Winter XXXX XXXX XXXX XXXX may or may not have with XXXX XXXX XXXX ( XXXX ) XXXX or XXXX XXXX XXXX XXXXXXXX XXXX. I have not agreed to pay/tender anything to Cooling & Winter XXXX XXXX XXXX XXXX, CXXXX XXXX XXXX XXXX XXXX ) XXXX or XXXX XXXX XXXX XXXX XXXX XXXX 
Cooling & Winter XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) XXXX reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither Cooling & Winter XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX ( XXXX ) XXXX  are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: VA

Complaint narrative:
I reviewed a copy of my credit report and I noticed a fraudulent/unauthorized chargeoff closed account that needs to be removed from my credit report. The account to be removed will be listed below and I will also like to add that I was a victim of the 2017 XXXX data breach. 

XXXX. XXXX XXXXXXXX XXXX ActXXXX # 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 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I conference called my creditor XXXX XXXX  with XXXX from XXXX fraud resolution about my credit cards being closed due to my new address. We were told equifax had sent letters notifying to them that my current address is fraudulent and to close my account. It is not fraudulent, I moved from NY to GA last year. Last month I verified my new address over the phone to equifax using my GA state ID and a utility bill, but when I called equifax XX/XX/XXXX and spoke to a XXXX, I had to verify my identity and update my address again. Listen, people move everyday, I didnt know I was required to notify the bureaus that I was moving. All I did was update my address with my creditors. Due to this hassle I have lost 4 credit cards ; XXXX, XXXX, XXXX  XXXX secured, and XXXX XXXX secured. Now I see I have a fraud alert and freeze for PROMOTION PURPOSES!!! What does that mean?!!! When I asked XXXX he was acting like he didnt know what I was talking about and then I asked to speak to a supervisor, HE HUNG UP ON ME! I removed the fraud alerts early this year XXXX. I am trying to start a business and buy a house. Someone better fix this immediately or I will be pursing legal action. This isnt right at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
On XX/XX/XXXX I paid off my vehicle, in full, and submitted a odometer disclosure statement, as required by Honda Financial Services. 

Honda Financial Services mailed me a letter dated XX/XX/XXXX and detailed my address and Vehicle Identification Number ( VIN ). The envelope contained 2 pages. A portion of the XXXX page of the letter stated the following : " ... Please fill in the odometer reading disclosure on the enclosed Odometer Disclosure Statement and mail it to the address shown below, Attention, Title Department or fax it to XXXX to XXXX back in enclosed envelope. '' XXXX search results indicted the number XXXX was for XXXX, the email XXXX was for XXXX XXXX XXXX XXXX XXXX the number XXXX was for contactcustomerservicenow.com, and the closing of the letter stated, " Sincerely, XXXX XXXX Honda Financial Services XXXX XXXX, '' which also came back to customerservicenow.com in XXXX XXXX results. The second page of the letter was entitled the Odometer Disclosure Statement. I did not communicate with " XXXX, '' nor XXXX, XXXX XXXX XXXX XXXX XXXX or contactcustomerservicenow.com and do not know how these companies and their various locations possessed my full address and VIN number. The letter did not appear authentic as it contained conflicting information. 

On XX/XX/XXXX I called Honda Financial Services and spoke to Representative XXXX, who informed me there was a XXXX period and the Title would be sent to my mailing address on or about XX/XX/XXXX. To date, I have not received the XXXXa Title for my payment made in full from XX/XX/XXXX. 

On XX/XX/XXXX, I called Honda Financial Services again and was placed on a long hold. A Representative named XXXX answered my call and claimed Honda Financial Services did not receive my Odometer Disclosure Statement. XXXX informed that the XXXX Title was sent to the XXXX XXXX XXXX XXXX  back in XX/XX/XXXX. I informed her that I have since paid of my vehicle back in XX/XX/XXXX, and needed my Honda Title mailed to my address, as promised by Honda Financial Services. XXXX claimed I needed to resubmit the Odometer Disclosure Statement. I requested for XXXX to send me an official Honda Financial Services email detailing her request for another copy of the Odometer Disclosure Statement that I previously submitted in XX/XX/XXXX. XXXX emailed me an encrypted message, to which I responded with another copy of the Odometer Disclosure Statement as well as the original email to Honda Financial Services Title Department. XXXX did not provide me with my Honda Title delivery date. As a direct result, I was forced to register my vehicle as a leased vehicle at the XXXX XXXX XXXX XXXX. 

The delays in processing my Honda Title caused me to drive a vehicle in violation of state laws. 

To date, I await the vehicle title for the vehicle I paid off over 1 month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-03-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-03-17 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: PA

Complaint narrative:
I have fraudulent accounts on my credit file and would like then removed. Providing you with identity theft report. I have already provided a police report.

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 2022-03-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )

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 2022-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
We previously had a mortgage with Bank of America that was closed last XXXX when we refinanced through another institution. We do not have any other accounts with them. 

Yesterday someone attempted to open a Bank of America XXXX XXXX Banking Account using my SSN and an ancillary email address. Luckily a confirmation email was sent to me that an online application had been submitted. I contacted Bank of America yesterday and they confirmed that the application had indeed been submitted. They denied the application with my consent. I want to ensure no other accounts are opened fraudulently with any other financial institution. I don't know this happened as my credit scores are locked.

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 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UPGRADE, INC.
State: OH

Complaint narrative:
I have a XXXX  card from Upgrade and every month I pay my payment well before the due date and every month I have to call them and make them apply the payment that I made to my account. They send me e-mail after e-mail telling me that my payment is due and/or late when I have bank records showing that I paid it on time. This month, same thing again and they're telling me that it's their company policy to wait 10 days after receiving my payment to actually apply my payment. No other creditor I have accounts with waits to apply my payments. Everything else gets credited immediately upon receipt of my payment. This is frustrating and ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: VA

Complaint narrative:
I reviewed a copy of my credit report and I noticed a fraudulent/unauthorized chargeoff closed account that needs to be removed from my credit report. The account to be removed will be listed below and I will also like to add that I was a victim of the 2017 equifax data breach. 

XXXX. XXXX XXXX XXXX  Act. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Hi bought a car financed it through Exeter financial via XXXX. I later found out that XXXX has an ownership interest in Exeter and they did not even try to find me a lower interest rate. My interest rate was 28 % I was able to refinance my auto loan through upstart for 12 %. XXXX mailed a check to Exeter on XX/XX/XXXX to pay off my account. There was an overpayment of {$140.00}. I have not received the check back for the overpayment when Exeter reported to the credit bureau instead of reporting it as a paid off loan they reported it as a delinquent of {$20000.00}. I have tried on several occasions to get Exeter to get it corrected or to even respond to me. With no luck. My complaint is my credit score dropped XXXX points when they did that. I also need my overpayment check and I would like an explanation as to why Exeter and XXXX put me at a 28 % interest rate rather than a company that had lower interest rates that I qualified for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation