vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Several weeks ago I attempted to link an external account so I could transfer funds from my Capital One account to an account at XXXX. I received no communication from Capital One that the linkage was not successful but did not see any microdeposits. I called at the time to inquire and no one could see the attempt or tell me what happened. This weekend, I tried to set up the linked account again but was getting an error message on the mobile application. I was told to try to set up in the online application instead of the mobile but it would still not go through. I spoke with a manager who information me that it could not be set up due to an internal glitch at Capital One and that she would send the information to the correct internal department to resolve and to try again on Tuesday. When I tried this morning, I received the same error message. Upon inquiry and discussion with a manager I was told that this was due to security reasons but that nothing was restricted with my funds. I asked if I could speak with someone in the fraud area to help me understand what the issue was and was told that wasnt possible. Since an external transfer could not be set up, I inquired as to whether I could wire the funds and was told I could, however, there would be a fee. I asked for the fee to be waived and was declined. I asked to escalate this request and was told that wasnt possible I was speaking with the highest level. I noted I would remain on the phone until I had a chance to speak with someone about the request. The manager put me on hold for about XXXX XXXX while she got someone and then hung up on me. I called the fraud department and was transferred again and was told the same as before. I hav e spoken with the Bank that the funds would be going into and they are not sure why this is not able to be done as everything looks ok on their end. I have been a customer for 20+ years and have what ( to me ) is a significant relationship with the Bank XXXX They arent paying the most competitive rates and I feel like they are now holding my money hostage making it difficult to set up an external transfer because they dont want people moving funds out of their account. Perhaps they are blocking transfers from going to competitors that are paying higher rates. I also cant believe that a 20+ year relationship when I have asked for next to nothing from the Bank is not worth a waived wire transfer fee. That is sad and I am disappointed that I now need to find another bank to do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: World Acceptance Corporation
State: SC

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXXXXXX - Certified letter request was sent to remove all late payments, no response was made back in over XXXX XXXX XXXX XXXX  Account number XXXX - requested removal of this account as I have no knowledge of it, and I didn't sign an agreement with this debt collector WORLD FINANCE CORPORATION Account number XXXX Account XXXX its reporting inaccurately to the credit bureaus, one is showing paid in a settlement and the other is showing transferred and closed, this account should remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
This Person ( XXXX XXXX  XXXX XXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

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 2023-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They ( BofA ) sent me the information of where they sent my monies BUT couldnt explain why!! Ive been receiving these XXXX checks for over 2 years now having them transferred to my personal bank bi/weekly and never had any problems, BUT now this individual hacked my account for over {$2500.00} and its been over ten days without any monies being received, or returned back to 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 monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: GA

Complaint narrative:
I want to change my repayment plan. The only way to do so is to talk to someone on the phone or chat with an agent. I have attempted to chat with an agent many times, and every time the system is down. Every time I try to call the wait time is over 8 hours. I really need to change my repayment plan and can not because of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
We have a Buisness Loan with Wells Fargo ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). During XXXX we were not required to pay on the this loan for several months. This Buisness Loan is under XXXX XXXX XXXX XXXX XXXX XXXX The loan matured on XXXXXXXX There was a remaining principle ammount of {$20000.00}. There were funds in the account to make the monthly payment but, Wells Fargo did not take it. I had been to my local Wells Fargo Bank in XXXX every week since this occurred. The local Wells Fargo Bank ( POC : XXXX XXXX. XXXX ) intially filed a complaint ( XXXX XXXXXXXX ). After a week I got a call from XXXX XXXX in the resolution department for Wells Fargo ( XXXX ; Complaint XXXX XXXXXXXX ). We were told that that our relationship manager would have to make a Loan Modification or extension. This would come from a Commercial loan Representative because, the loan was a Commercial loan. I was instructed to return to my local Wells Fargo Bank. This time the Bank branch manager got me two points of contact in the main office ; XXXX XXXX ( XXXX ) & XXXX XXXX XXXX XXXX ). I waited 3 days as requested and began to call weekly. All I got was voicemail with XXXX XXXX. No one every has called back. I went back to my local Wells Fargo Bank and asked what to do. This went on for a month. 
Finally, I got a call from XXXX XXXX ( Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, NC XXXX XXXX XXXX Telephone : XXXX Fax : XXXX. 
He took care of everyone but, I had to pay {$2000.00} as a code XXXX interest payment. We were told our mortgage had been extended/modified until XX/XX/2023. We made the requested payments. We were given doxumentation in writing that there was no fee for modification, no penalty & the paymenrs would remain the same. 
We just found out that Wells Fargo charged us 10 % per month or 120 % per year for not making our mortgage payments. This is extremely unfair if not ridiculous. It took a month for me going to the bank almost every wekk to get them to recoginize there was an issue.

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 2023-09-18 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
This Person ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This Person ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I contacted the XXXXXXXX XXXX and notified them that a check cleared my account that I did not issue. My records showed the check # was issued to another vendor a year earlier and for a much lessor amount and at that time all checks issued were computer generated. We did not hand write checks. We requested and received a copy of the check that was cashed and notified XXXXXXXX XXXX  we did not issue this check and we believed we were victim to fraud. The check appeared to be doctured with white out and then hand written with a date of XXXX pay to the order of - XXXX XXXX XXXXXXXX XXXX, dollar {$14000.00} and then on the legal line XXXX XXXX XXXX XXXX XXXX XXXX then to the right the dots indicate this was once a computer issued check XXXX. The memo states its a settlement # XXXX. I have never had any dealings with this company and do not know who they are. I contacted XXXX XXXX  and they told me there was nothing they could do. I questioned why they would cash a check that obviously was altered and they stated they don't review every check. They then told me to contact the Bank of American who cleared the check their client deposited and I was told there was nothing they could do my bank would need to proceed with filing a complaint. Both banks are clearly at fault as is the person or committed fraud. Neither bank offered a solution or help in any way with this matter. We have had a good working relationship with XXXXXXXX XXXX until this time. We also were not able to retain the Bank of America Acct # for their client who deposited the check.

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 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Late payments on my report are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I got my car two/three years ago last year I checked to see how much I owed and the total was {$8000.00} out of {$13000.00} paid then I checked the account again a couple months later and the balance was {$10000.00} out of {$13000.00} paid

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 2023-09-18 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
This is not mine 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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have carefully reviewed my credit report in the XXXX credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-18 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Late payments on my report are incorrect

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
I am writing to provide ongoing updates and express my deepening concerns regarding the inaccurate payment history reporting by MoneyLion Inc . Despite my continuous efforts and the involvement of XXXX, the issues persist, and the impact on my credit report has worsened. 

MoneyLion is currently in litigation with me, further highlighting their failure to rectify the situation. As previously mentioned, MoneyLion has not only continued to report inaccuracies in my payment history but has also removed positive payment history entries. Additionally, they have disregarded my legitimate loan deferment requests. These actions have exacerbated the negative effects on my credit score and overall financial situation. 

I have been in communication with XXXX XXXX at the CFPB via email, keeping him informed of the ongoing situation. Despite my disputes with the credit bureaus, the inaccuracies in MoneyLion 's reporting persist. The removal of positive payment history entries and the reporting of inaccurate information are severely affecting my creditworthiness. 

I kindly urge the Consumer Financial Protection Bureau to escalate its investigation into MoneyLion Inc., focusing on the continued violations of the Fair Credit Reporting Act and their refusal to address these issues appropriately. Additionally, I request that you coordinate efforts with XXXX XXXX at the CFPB, who is currently handling the litigation against MoneyLion, to ensure a comprehensive resolution. 

I have attached updated documentation supporting my claims, including evidence of the removal of positive payment history entries, loan deferment requests, and the ongoing inaccurate reporting to the credit bureaus. 

Your continued assistance in this matter is greatly appreciated, and I look forward to a swift resolution that restores accurate credit reporting and safeguards consumers ' financial well-being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: CT

Complaint narrative:
I had received a letter in the mail from a company named XXXX XXXX, who posed as partners of my main loan servicer, XXXX. Their ( scholastic solutions ) phone number being XXXX. The letter stated I qualified for a student loan repayment plan, I called them thinking they were legit, I paid {$790.00} to start my repayment plan, in XXXX of 2022. Since then, I have been paying {$39.00} a month to these people, who stated after XXXX payments, my student loan debt of {$32000.00} would be completely forgiven. I wanted to check on my payment progress, and when I signed into my servicer account through XXXX, there was no payment history on my account, which I had found weird since I have been having {$39.00} taken out of my account every month. They informed me that XXXX XXXX like to pose as third party servicers, and steal money from people. So the money they have been taking from me had in fact not been going towards my student loans. I have paid these people a total of {$1400.00}. On my bank statements they were first listed under XXXX XXXX  and they now have changed their name to XXXX. When I called my bank ( bank of america ), I spoke to the fraud department and they helped me set up a payment block against this company, but they stated they would not be able to confirm that they would get my money back. They stated this was not considered fraud since I gave my information willingly to the XXXX XXXX XXXX. When in fact the definition of fraud is a wrongful or criminal deception intended to result in financial or personal gain a person or thing intended to deceive others, typically by unjustifiably claiming or being credited with accomplishments or qualities. I was deceived by this company into thinking they were a servicer for student loan debt relief. They stole money from me for their own personal gain, and I was not aware of the fact that they were not a legit company. So to me this should absolutely be considered fraud. I was very disappointed to learn that my bank is not able to do anything for me, and these people have been getting away with stealing from people like me who have student loans to pay. I feel like my bank should have helped me further, they should have been able to somehow reverse the payments that were taken from my account by these people. Im not sure what to do next. Thats {$1400.00} down the drain that I could have used towards supplies for my XXXX XXXX XXXX son.

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