vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
These accounts and Inquiries on my credit report are fraud. I would like for them to be removed, because it is affecting my credit score and me and my family being able to rent and get a car. 

XXXX XXXX XXXX {$3000.00} Acct # XXXX XXXX XXXX XXXX {$1600.00} Acct # XXXX Capital One Auto Finance {$4500.00} Acct # XXXX XXXX XXXX  XXXX XXXX XXXX Capital one auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX capital one auto finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX captial one auto finance XXXX XXXXXXXX XXXX XXXX capital one auto fincance XXXX XXXX capital one bank usa capital one XXXX XXXX XXXX capital one XXXX XXXX XXXX capital one XXXX XXXX XXXX XXXX XXXX XXXX capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I initiated an ACH Transfer for {$55000.00} on XX/XX/2022 to transfer funds from my XXXX checking account to Ally Bank savings account. These funds were successfully debited from my XXXX checking account on XX/XX/2022. Ally Bank then blocked the transfer, because I am told they could not verify the external account belonged to me, and the transfer failed and was never credited to my Ally account. Per calls with Ally Bank, there was an attempt to reverse the funds back to the external account on XX/XX/2022, but the reversal failed. 

It took hours on the phone over multiple days with Ally Bank representatives saying it was an issue with my external bank before one of the representatives finally understood the issue and opened a Case on XX/XX/XXXX ( Case ID : XXXX ). I was told I would receive resolution within 1 to 2 business days. It is now XX/XX/XXXX and I have not heard back. 

I already filed a CFPB complaint with the external bank ( XXXX ) and received a response back from them that there is nothing for them to do, as it is Ally 's responsibility to send the funds back to my external bank. Their complaint response is attached. 

It has now been close to 1 month since Ally rejected the funds, and no further action has been taken by the bank to resolve this matter. It is unacceptable to hold an account holder 's funds in limbo like this for this period of time. I have spent a combined XXXX XXXX  of my time on the phone with Ally Bank over the course of multiple days in the last month trying to explain my issue to Ally customer service representatives without resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
On the early morning of XX/XX/XXXX I had my phone and wallet stolen. The person who had stolen it, used my credit and bank cards to spend throughout various places in XXXX and the XXXX. I immediately reported all of my items lost to the respective companies and reported all fraudulent charges as soon as possible ( roughly between XXXX XXXX  on XX/XX/XXXX ). 

My credit card companies immediately refunded the money spent fraudulently and conducted their own investigations. However, AXOS Bank who manages my checking account claimed I would be protected but after XXXX XXXX, I have had my claim for {$1600.00} rejected twice. Upon asking why this was the case and if i could have documentation, they have sent me to multiple different customer service representatives who were unaware of the situation. Further when I was finally able to speak to a supervisor, she told me the claim was denied " due to investigations made by upper management. '' I am now over XXXX XXXX  since the initial investigation was conducted and denied and still have not been given any information as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: FL

Complaint narrative:
30 days ago i contacted each CRA to update my credit report and take of all negative items hurting my lively hood in which they did a false investigation and never rectified the accounts

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 2022-07-14 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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yer. I feel like I am sadly being take advantage of and being ignored of my disputes. Sections 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX I used mobile deposit to deposit a check reimbursing me for XXXX  expenses. As expected, I was informed it would take a few days to clear, which happened on XX/XX/XXXX. On XX/XX/XXXX I awoke to texts that automatic payments did not go through. Upon calling Chase, I was informed that my account was frozen due to depositing the check, and that it would take 7-10 business days to have access to any of my funds, not just the amount of the deposit. The supervisor at Chase told me all I could do is wait for the deposit to clear ( which according to my online account, already happened ). It should be noted that this was a check from another Chase customer, being deposited into another Chase account. When I asked why I received no notice about my account being frozen, the manager told me a notice had been mailed out, which I have yet to receive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo continues to re-enroll me in overdraft programs despite numerous attempts via phone and via their old online communication system to prevent any future enrollments and yet every few months they let debit charges be charged onto my account despite not having sufficient funds then immediately charging me another {$35.00}. And they then inform me there's multiple tiers of overdraft protection and I need to unenroll in a different program. 

I continue to try to get them to stop incurring NSF on debit charges but they refuse to fix the problem and I continue to lose money to these fees on features I've declined and have specifically request be removed from my account.

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 2022-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NY

Complaint narrative:
So, I got loan forgiveness for my federal student loans through XXXX XXXX XXXX in XXXX of this year. I understand I am entitled to a refund of the payments I made during the Covid relief period. 

I had been making payments though my loan servicer, Ed Financial. XXXX XXXXXXXX XXXX has no record of those payments because they were not made to them, so they insist they can not refund the payments ( {$480.00} per month for two years ). They tell me Ed Financial must process the refund. But, Ed Financial says that since the loan was transferred to XXXX XXXXXXXX XXXX they will not process the refund. 

I have tried to call the Dept of Treasury, but they don't answer. Please, help me to find out who will process my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
Initially I contacted XXXX in regard to a collection appearing my credit report by CKS Investments asking that it be validated which was stated to be verified however, with no signed contract bearing my name. I then contacted CKS investments via certified mail # XXXX and asked for the debt to be validated, there was no response. I contacted XXXX again in regard to this matter, asking it be investigated & validated by providing an original document bearing my signature via certified mail on # XXXX which came by verified. Per Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I was not provided a copy of original documentation. Furthermore, XXXX has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I believe XXXX has been derelict in maintaining accurate information in regard to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Accordance with the fair credit reporting act XXXX  account Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXt Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference Number # XXXX XXXX XXXXXXXX XXXX  Reference # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

. 

.

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 2022-07-14 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My wages got garnished during Covid- very very hard time for me. I did not get summoned- I just saw the summons- It was given to a XXXX girl with XXXX XXXX  approx XXXX I have really XXXX  XXXX and XXXX  XXXX. I was never summoned. It is unbelievable they would would take just anyone 's word- they should ask for ID to make sure correct person is getting summoned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a checking account at Bank of America. I scheduled the payment of certain bills from my checking account in XXXX on XXXX separate dates, and made a XXXX transfer into those accounts from another Bank. The Bank of America application suggests that funds will be credited with 3 days ( not business days ) to your account and I scheduled bill payment in accordance with this expectation. On the day bills were paid, the transferee funds werent credited and my account ended up being overdrawn causing a two {$10.00} overdraft charges hitting my account. I had called Bank of America and explained to them the issue and asked why werent the funds I transferred via XXXX credited to facilitate payments of the bills. The response was as follows : We dont take responsibility for XXXX payments even though the service is offered on our platform. XXXX transactions usually post within 5 business days ( contradicts the 1-3 days stmt they have on the app ) and we will NOT reimburse you for the {$20.00} overdraft fee.

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 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
Someone is opening debt/checking accounts in my name. I have spoken to Bank of America several times to have them close this fraudulent account and to never let an account be opened again in my name. This issue is NOT resolved and someone has all of my information and could take this serious problem further.

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 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On the XXXX XXXX XXXXXXXX a transaction of XXXX was transfered to my credit card at a XXXX balance and never remburst. Then a lost cellular device and no Identification card left me XXXX and both my credit card and debit card would not transact correctly after my complaint. Then I a attempted to close my account and the refused and the social security office could not issue a payment card due to the routing number of my account was still active. I had to call the bank back reopen my account which they refused to close due to my deposits approaching XXXX XXXX then with a no notification my old debit card was blocked and I could not transact. the bank would not assist in person citing two pieces of id were required left me XXXX XXXX XXXX XXXX XXXX XXXX. I ordered a new debit card it came in the mail to a church and the bank refused to activate it. On XX/XX/2022 terminal number XXXX reported a XXXX balance and declined transaction. On XX/XX/2022 the same terminal reported on the receipt print out available balance XXXX and declined transaction. both after reporting inquiry approved.the error code XXXX, XXXX, XXXX, have all performed decline. I am citing fraud Because I opened the Bank of America account with the bank officer photographing my face in office and issuing my account three security questions to access my account. To resolve error transaction their agreement states to give my name and account number. I belive it to be fraud becuse my banking has had suspicious activity over their phone line XXXX which they claim is recorded, and the have allowed me to withdrawl with out id and change my online banking codes without id and now will not activate my debit card without id citing they can not verify who I am.

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 2022-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
I recently seen a report on my credit profile and seen I had a collection from a company that has not reached out to me once and also have not validated the debt they say I owe, Ive also filed an HIPPA complaint about the collection agency RMP Services LLC for receiving my protected health information from the XXXX XXXX XXXX XXXX. I am aware that this is a violation to my HIPPA rights and have sent a complaint through HHS.gov and asked them to remove this from my credit profile, I have yet gotten a response from RMP Service LLC the North Carolina branch and now I am filing a complaint with yall the CFPB in hope yall can get my problem handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: LA

Complaint narrative:
TRANSUNION WAS SENT MULTIPLE LETTERS WITH MY IDENTITY THEFT REPORT INCLUDED, BUT STILL HAVE YET TO DELETE ANY OF THE ACCOUNTS WITHIN. ACCORDING TO 18 U.S. CODE 1028A, AGGRAVATED IDENTITY THEFT, TRANSUNION IS IN VIOLATION AND IS VIOLATING MY RIGHTS. AS A RESULT, I AM DEMANDING FROM TRANSUNION, AN IMMEDIATE DELETION OF THESE ACCOUNTS, AS WELL AS ALL NON-ACCOUNT HOLDING INQUIRIES.

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 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
a few months back, my identity was stolen and several accounts was opened using my information. 

I did not consent to these accounts being opened. 

Please help me with resolving this situation. I tried resolving it with the collectors and creditors but nothing has been done.

Company response to consumer: Closed with explanation