vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2023, I answered Capital Ones questions regarding Claim No. XXXX that I had filed regarding wrong wigs that were sent to me and the seller is not responding. Capital One deposited a provisional credit in the amount of {$54.00} into my checking account. I was sent an email from Capital One stating the claim was denied because they said I had not provided the information that they had requested. As I stated before, I provided the information to XXXX XXXX XXXX  as instructed. When I contacted Capital One to inform them that I had emailed the requested information, I was told that I would have to open another claim to have it investigated again. This time, the Claim No. was XXXX. I sent the email with the requested information on XX/XX/2023 and again on XX/XX/2023. The same exact thing happened. I was sent an email that it was denied. When I called to inquire this time, I was told that that Claim No. XXXX had been escalated to be further investigated. However, the provisional credit of {$54.00} was deducted from my checking account on XX/XX/2023 even though I had not received an email stating that a decision had been made on the claim. When I first called on XX/XX/2023, I was told that an error had in fact been made and that the money would be put back in my checking account. After some time on the same day, I called Capital One again because the money had not been replaced. This time I was told that an error had not taken place and that the money would not be replaced. I really couldnt understand the reasons why because of the heavy accents. I spoke with a representative as well as a supervisor and I believe they both had different reasons why the money will not be returned even though they eventually received my response to their email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been trying to transfer my title to Florida for 4 months and my license plates expired in XXXX. I pay Wells Fargo for a small business loan that they have my vehicle title as collateral for. When I call them, they say they have shut down the small business department and nobody seems to know who to contact. Finally, 3 months after I requested the form, they emailed me and said the DMV has my title. Which they do not. I need help from someone else as I have exhausted all resources to get the title of this vehicle transferred to where it needs to be.

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 2023-02-13 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: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
Bridgecrest falsified that I had a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
The company is PayPal. I received a 1099K with my name and address for an account that I did not set up. PayPal would not give me phone or email associated with account or general info about how or when it was set up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
On XX/XX/XXXX I received a collection notice from a company named Resurgent. 
Not only is this not my debt, this debt is from 23 years ago. The notice claims the debt was from the year XXXX ans is {$480.00} and {$1000.00} interest. 
I called Resurgent and they can not tell me the source of this debt because of the age of the debt, but told me they could sue for my assets. 
I told them this was not my debt The woman asked my to verify the last 4 digits of my SS # which I provided and was told the SS # they had was 1 digit off and it was probably a typo. 
Please I need help with this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
the following accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax keep lowering my credit score for not reason and using collections company that have been disputed. On XX/XX/XXXX my score was XXXX and I disputed a collection that they have posted for long time illegally and the next day I noticed that they lower my credit report even more by XXXX point going down from XXXX to XXXX. So I called them and they said practically couldn't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  isnt reporting my mortgage payment to Experian!!

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 2023-02-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Purchased XXXX new Apple XXXX on XX/XX/2022 through Apple. They told me and advertised that it would be interest free for 2 years.The Financing was done through Goldman Sachs. When I received my first bill, it was really confusing. It also had a charge on there for {$410.00} which was not mine. As well as an interest charge of {$2.00}. I called Apple as well as Goldman Sachs. No one could explain my bill and how all the numbers, which are very confusing, to me. Spoke to many people at Goldman Sachs, as well as Apple. One would say that I should contact Apple and the other said that I should contact Goldman Sachs. It came to the point that I wrote a letter to XXXX XXXX XXXX XXXX XXXX XXXX. Got a call from XXXX at Apple and she has tried to correct and explain why the bill is so confusing and what the daily cash part of the bill means. My bill should be straight forward. The balace after my phone trade ins and the monthly payment, which it does not. Bought XXXX phones and after the trade ins my balance should be {$1300.00}. So my payments should be approximately {$58.00} per month for 24 months. Come to find out that they charge the sales tax outside of the total amount and it acrues interest. Which is something no one, Apple or Goldman Sachs ever told me. The bill is just very confusing and no one can explain it correctly. They seem to make you just through hoops about this daily cash thing. And I really dont understand that part at all. In the complaint you guys asked for the card ( account number ) I dont know it. It is not on the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This Credit Reporting Agency Is Reporting Inaccurate And Fraudulent Information On My Consumer Report. I Called To Have These Fraudulent Hard Inquiries Taking Off My Consumers Report And Was Told They Could Not Remove Them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.

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 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My WF Visa credit card information was stolen and {$2300.00} fishing depth finder was purchased with it. The item was shipped by XXXX to my home where someone else signed the name " XXXX '' and the XXXX driver gave them the package. The item was ordered with an a XXXX  account using my full first and last name, that is not my email address. My name is not XXXX and I was not home when the item was delivered. I have opened a police report to investigate this fraudulent purchase. Wells Fargo denied my claim and my appeal.

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 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
To whom it may concern, THE TERMS YOU AND YOUR REFER TO Capital Accounts LLC. 

This document revokes all options for remedy requested prior to the date of the notarizing of this document. 

Attached are the communications, violations, and exhibits for evidential proof. 


BE MINDFUL SOME VIOLATIONS ARE CONSIDERED BOTH CIVIL AND CRIMINAL. 

This is my final plea for remedy, in which, I will proceed with the filing of complaints. Ive recently sent communications, Exhibit B, Exhibit F, via USPS mail, Exhibit G, requesting remedy for the damages caused by your willful act ( s ). I received correspondence in regards to my requests, Exhibit E, stating, This is in response to your letter dated XX/XX/2022, wherein you allege that Capital Accounts violated the law in attempting to collect a debt from you Capital Accounts denies any such wrongdoing or liability .... I acknowledge your admission of handling the account ( s ) in the past, Exhibit E. Regardless of the admission, I felt the response was disrespectful and emotionally triggering. You blatantly denied and refuse to take accountability for your willful injurious act ( s ) of torture. Yet, youre admitting to your handling of the account prior to my receipt of Exhibit E, which furthermore, verifies your guilt of the following violations attached to this communication, along with exhibits for evidential proof, but not limited to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Installment is violating multiple laws and my rights as a consumer. They or reporting incorrect information to the credit bureaus the account balances across the bureaus or not matching or the same. They or constantly calling my phone and sending certified letter exposing my personal business. Creditors is calling before XXXX they or mailing stuff and one the envelope they or disclosing who they or..Accuracy of the account is not correct across the credit bureaus

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 2023-02-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX falsified that I had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
I received a response/action from Mohela on XX/XX/XXXX stating that my portion of my joint spousal loan had been forgiven. They also stated that they took the overages from my portion of my student loan and applied them to my ex-husbands balance. 

I was told by XXXX in XXXX on a couple occasions that overages from one portion of a forgiven spousal loan would indeed be refunded or returned to the original payors account, unless I chose to apply them to the other portion. 

While I am thankful that Mohela finally carried through with forgiving my portion of loans that XXXX failed to process. I am not pleased that my overages went to my ex-husbands portion. 

Any payments paid in XXXX were paid by my employer to the student loan company for my benefit. 

While Mohela may cite that I am responsible for the other portion of the loan, there was a law that was signed by XXXX XXXX, XX/XX/XXXX, that is to separate joint spousal consolidation loans. My intent is to separate these loans once the DoE implements this law. 

I am a victim of abuse, which can be proven. My former spouse has not made any payments on these loans. He has used these loans to continue to abuse me and I do not fond it fair that any refunds would find their way to him. The law that was passed is designed to protect me and people like me. 

I would like to know how much of an overage was applied to my ex-husbands portion. 

I would like to know when the DoE implements the law that will indeed separate these spousal loans what will happen with my overages. 

Also, when the IDR waiver is applied this year which could forgive my ex-husbands portion, what will happen with the overages? His loans went into repayment in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Calls arent returned. USAA bank seems to be infiltrated with fraudulent personnel and have been fined. I am XXXX. I live on my SS. I need help Ive spoken with many people nothing is cohesive. I need my money or I will be XXXX  as my rent is past due. Please help me this is urgent. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I enrolled in a promotion with Ally Bank. stated that I could move money into a new CD, and earn a 1 % bonus, up to {$500.00}. The promotion details are shown in the attached " allybonus.png ''. 

On XX/XX/XXXX, I had met the funding requirements of the promotion. I took advantage of the promotion fully by moving {$50000.00} into my new CD. Given this, I expected to earn the full {$500.00}. 

On XX/XX/XXXX, Ally closed my CD account, and sent me a check with the funds. I did not initiate this closure at all. I expected at least that the check would include the {$500.00} promotional money but it did not. 

On XX/XX/XXXX, I called Ally inquiring if I could receive my promotional {$500.00}. They said that they would not be awarding me the bonus. This is not fair, as the money remained in the account until XX/XX/XXXX, which is the requirement for the bonus. Even since they decided to close my account, it's unfair that they can refuse to pay me my bonus. There are many options to park my money, and if I had known Ally would have done this, I would have simply put it in a different bank with higher interest, back in 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 monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have tried several times to get this Wells Fargo account off of my report. I disputed it last month and they sent back a statement of the months I did not pay, however its been seven years now and it is still currently on my credit report. I tried to dispute this again and XXXX said that I could not dispute it again. Im not understanding why I called Wells Fargo and they told me that I had to take it up with you. Please look into this Im trying to work on my credit and pay for other issues involving my credit, if this can be removed from my credit because its an old account I would like for it to be removed as soon as possible.

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 2023-02-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023 I attempted to purchase a second CD from Capital One. A nightmare occurred. SEE THE ATTACHED EMAIL SENT TO CAPITAL ONE AT Abuse @ capitalone. I There is no other way to contact them for immediate help.

1. Instead of processing my {$50000.00} for a CD they opened a checking account and are sending me a credit card. I never completed the actions required to do this, I simply disconnected from their site and then sent them attached email.

2. Today I was notified they opened a checking account and they now have my {$50000.00} in it.

3. I reached a CapitalOne manager and found out ( she indicated they know about these events and apologized ) they want me to wait until this coming Friday to move the {$50000.00} from my new UNWANTED CHECKING ACCOUNT to a CD.

4. She escalated my complaint to higher management and they should contact me within 15 days. She also repeatedly told me she does not know the name of the Federal Agency that investigates BAIT AND SWITCH ISSUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: CA

Complaint narrative:
I had all my payments, 3 credit cards, and my phone payment on auto pay. I thought I was covered! No problem. I had no idea that my bank account itself could be accessed, and apparently it was. There were unacceptable and unaccountable charges on all of my credit cards, I called every single one of them over and over, I caught some of them, apparently I was unable to catch all of them. I always was under the impression that I safe at Bank of America, I could have been less correct in my entire life. Every Single Card on my Cell phone that I had in my bank account was accessed and used in such a way that it was impossible for me, I woman who worked in printing, and was paid to search for mistakes, to catch it. I am humbled by the depth of this deception. I truly need your help! Now, Bank of America itself will not allow me the owner of the account, access to the account, after, I, myself, pointed out that there was unusual activity on it. How do I pay rent in 2 weeks? How do I pay on the credit cards that are accessed, because accessed or not I am responsible for the payments.

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