vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 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: AES/PHEAA
State: PA

Complaint narrative:
Fed Loan Servicing has my loans split into three separate loans. All of my payments made have been with one check that covers all three of the loan payments, yet Fed Loan Servicing has three different certified payment amounts for me for the XXXX XXXX XXXX XXXX XXXX. I have tried to rectify this by speaking with them, but nothing has been corrected in the two years I have been trying to fix it. There are incorrect " ineligible payments '' listed. Below are the dates for the " ineligible payments '' that should be counted as correct : XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX All of these are listed as either " payment received outside of the payment period window '' or " You do not have a bill due for this payment period '' For one of my loans, they are counting them, but then not counting them for the other two. They should count for all three as I only ever send in one check per month to cover all three. 

This is costing me money as I should already qualify for loan forgiveness under the public service loan forgivenes program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XXXX XXXX, 2021, we were texted via Wells Fargo that there were charges that seemed suspicious, and that in order to approve these transactions ( {$XXXX} and {$XXXX} ), we needed to text the XXXX digit code back to Wells Fargo. There was also a suspicious {$XXXX} transfer from savings to checking that we had not made. We ( my husband and I ) immediately called Wells Fargo Fraud Department that froze the accounts. Wells Fargo claims a XXXX Liability policy in these situations, and we were told we would see the funds back in our account within days. We received {$XXXX} back on XX/XX/XXXX, but upon calling to follow up on the remaining {$XXXX} still missing, we were informed that they believed that we had indeed authorized this purchase via texting the code and that " Visa has rejected our claim that this was fraudulent. You will need to follow up with XXXX XXXX XXXX XXXX. The case will not be reopened ''. The representatives that we talked to began to question our authenticity, stating details of the case that had never been stated, such as, " You said you lost your debit card '' and " You transferred the {$XXXX} yourself ''. They report that the matter is completely out of their hands and that Wells Fargo can no longer assist at all. We have contacted XXXX XXXX XXXX XXXX, who has stated that this is a matter that only Wells Fargo can resolve. In making a formal complaint to the company, they assigned me a Case Specialist, XXXX XXXX, whom I have tried to call, but he has not answered his voicemail box is full. Attached is a screen shot of the texts we received when the fraud was committed and the authorization we did not provide, or there would have been a text back with the code as well as their final response to our dispute. They have never said anything about the " compelling evidence '' or provided any kind information that supports their decision to decline refunding the stolen money. 
We have also reported this incident to our local police department ( XXXX XXXX, XXXX XXXX ) which have referred us back to resolving the issue with Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA XXXX XXXX XXXX Section XXXX. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Auto Finance Co
State: OH

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SAFCO. The account falls into a charge-off account yet there was a balance indicated in the statement. There were no 120 days past due shown in my payment history account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
SAFCO ***** Opened XXXX XXXX XXXX 2015 XXXX {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: AZ

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
On XX/XX/XXXX I received a statement from Ally regarding the final payment for my stolen XXXX XXXX XXXX. XXXX processed a claim in the amount per the XXXX XXXX  value and thankfully my lease contract had Gap protection built into the plan leaving me only with the insurance deductible of {$500.00} dollars and unpaid late charges of {$120.00}. Upon making my payment I asked the rep if the late fees could be reduced or eliminated She informed me that yes she could take some money off of the late charges but not the insurance deductible as that is what is required per the contract. I thanked her and paid the new amount. A few months later I checked my credit report and it stated that my account was " Paid in full for less than the full balance. '' This is inaccurate as I never paid a reduced amount on the final monthly payment of {$560.00} nor the {$500.00} insurance deductible, only the late fees. Late fees are a penalty to get me to pay and were never referred to or listed/included under the Total loss provisions of the contract. Furthermore, the representative never made mention that by reducing the late fee, my credit report would be negatively impacted and listed as Paid in full for less than balance owed. Ally had a duty to notify me of such to allow me to make the decision to proceed and they failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: MD

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. I have not received any response about the complaint I sent, dated XX/XX/XXXX. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Between XX/XX/2019- XX/XX/2019, my ex had been using my credit card behind my back. I found out about it in XXXX of XXXX and tried to throw him out. He refused to leave and I had to call the police to remove him. 

I filed a police report and Capital One negated all the charges at first. A few months later, the charges were returned to me and now Capital One is trying to sue me for charges that were illegally processed behind my back. 

They claimed the charges were returned because he lived with me. We all know that my roommates aren't authorized to use my cards without my permission because they're my roommate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 my wife notice fraud committed to our small business checking account. We immediately reported to the Wells Fargo Bank who was supposed to initiate an investigation. Every time we called we were transfer to a different person and each person new nothing. After that in XXXX they requested a complete detailed report send by fax which we did and faxed on XX/XX/2021 which detail step by step how the incident occurred. The report also included XXXX of the hackers name, phone number, ect. XXXX times were called after submitting the report and as the firs time no XXXX new anything about the fax. Finally they confirmed that the fax was received but no one had the time to look at it. As of today the money have not been reimbursed nor any communication to use on the status. 

I decided to call Florida Attorney General Office where they instructed me to issue a Police Report which I did, File a report at XXXX which I did, File a complaint at the XXXX XXXX XXXX, which I did and finally File a complaint with your agency and is exactly what I'm doing. 

We are not sure if our account was what Wells Fargo  reported back in XXXX where there access code was used to steal the personal information of roughly XXXX consumers, leading the bank to conduct a full-scale inquiry into the data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I contacted CHASE via telephone regarding my tax child credit check being put on hold until XXXX XXXX 2021. I have called XXXX waited on the line for XXXX minutes with no response and the XXXX time I called the wait to speak to the department that handled the clearance of the check had more then doubled its wait time. I have deposited several of this checks ( From the United States Treasury  ) before to my account without any problems or holds, however this time I am not being given explanations of why this particular check is being held for so long.I was told the representatives taking the calls do not ha access to this information. However the department responsible is saturated. Please help me resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have paid my balance in full with Kohls in my charge card. They are still reporting that I have compromised with partial payment. This is a red flag with my employer and effecting my employment eligibility. I need this reported correctly urgently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 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: MD

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no XXXX party involved. Regardless of the multiple written requests, the unverified XXXX accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the List of Accounts that are still reporting on my Credit Report and NEEDS TO REMOVED : XXXX ( Original Creditor : MARYLAND XXXX XXXX XXXX ) XXXX {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$4900.00} XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This will be the XXXX  time asking CFPB to intervene. Capital one quicksilver card seems to be discriminating against me paying my bills before time FROM THEIR Checking account. 
I have both accounts in their app on my phone and I pay my bills before the due date. I have been doing this since the very beginning because I want to ensure that my credit score reflects this. Every XXXX months my account is frozen because my early bill payment is considered a fraudulent activity and I lose access to my card for XXXX days. 

I have to call capital one and verify that the account t that I verified through the app is me. Then I still have to wait the XXXX days for this to be fixed. This has caused me so much XXXX and XXXX, has left me stranded in the streets because my card wont work for XXXX payments. It has put my necessary accounts in jeopardy for non payment and cause addition fees for some. I am absolute sick of capital one and would close the account but I dont want that to affect my credit score. I am looking into a lawyer as Ive said because this cant be right and it certainly isnt fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX This doctors office did not run my claim through my insurance and then tried to bill me the full amount. We have repeatedly tried to get this corrected and it has since been sent to collections with Capital Accounts LLC for {$320.00}. This has destroyed my credit! They have told us multiple times they would cover the bill due to their own mistake for not running it through our insurance. They say they will email us with verification and never do. I informed the collector of this and they said they would email me which they never did. I have emails my husband sent to the doctors office explaining to them our case which weve taken every step to communicate with them and have been told multiple times it was taken care of and yet found out later it never was it is now in collections effecting my score. I am out of options I need this removed. I will reach out for legal help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I am a victim of identity theft Ive been locked out my accounts impersonated and they obtained loans and homes in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
It is unclear as to why they are now first coming after me when my lease was paid in full in XXXX of XXXX. Back in XX/XX/XXXX they added this item to my credit report, and I submitted a dispute. At that time, it was in fact removed. I am now seeing it again. 

I have submitted disputes to all XXXX credit bureaus and they are refusing to remove this item stating the company responded the account is accurate. I just sent proof of all XXXX payments made along with dates they were paid. 

My account with GM financial is locked and I submitted a request to have it opened but no response. When I call, I am left on hold for hours and simply do not have the time for that. 

This is negatively affecting my credit score. Please know that I take my credit very seriously as I was negative affected by my divorce years ago where my now ex husbands horrible credit affected mine. I worked very hard to get this cleared up and am sure to make all payments in full and on time which I have managed to do. 

Attached below are the documents I sent to all credit bureaus which prove I paid this lease in full. There is also a cover letter and cover sheet showing my bank account with each payment on the date paid. 

Any help would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: OH

Complaint narrative:
I have paid my balance in full with XXXX in my charge card. They are still reporting that I have compromised with partial payment. This is a red flag with my employer and effecting my employment eligibility. I need this reported correctly urgently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX To XXXX The Office of XXXX XXXX for Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX PHYSICIAN is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX XXXX together with a certified copies of signatures contract between you and XXXX XXXX XXXX , you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of XXXX6 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 






By : 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