vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My info was compromised through Premera data breach years ago. I was identity theft 'd a few times, and have put freezes on all three bureaus. 

Bank of America allows anyone with my info to open new accounts using my information. This keeps happening with BoA. It has occurred twice in month of XXXX, two weeks apart. 

I call into fraud department each time, which takes 2-3 hours each time. I have asked them to block any account using my Social Security from being opened using my information, they indicate they are unable to put such a restriction on, and its my responsibility. They said if my info is in the wild, it can be used to open an account with them, and i should put freezes on with the bureaus, specifically XXXX. I already have a freeze on with XXXX, they are not respecting the freeze. 

This does not happen with any other organization ( XXXX, XXXX, XXXX ), just Bank of America They offer no mechanism to allow a consumer to not have an account opened in their name. They dont have a way to quickly say " this is fraud '' in their " Welcome to Bank of America XXXX your account has been approved and opened! '' email. You are forced have to call in EACH TIME. They dont respect credit freezes put on at XXXX XXXX 

I've asked for escalation to a duty manager from their fraud department, and was denied. I've sent emails to their security team. I've sent emails to their head of customer relations. I have not received any responses. 

I can provide documentation of all these statements if needed.

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 2022-09-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
WELLS FARGO BANK NA XXXX XXXX XXXX po box XXXX XXXX, MD XXXX XXXX listed as the lien holder on my title ( See attachment ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Wells Fargo in Texas indicated they have no record of my vehicle ( See WF response attached ) It seems that the complaint department in Texas should contact the Wells Fargo Bank in XXXX, MD to see if they have a record of my car. If in fact they have no interest in my car then they should be willing to provide a release of XXXXen & send it to the Illinois Secretary of State ( See Form attached for their use.

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 2022-09-20 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: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am the U.S. executor for the Estate of XXXX XXXX and there are two British co-executors. The executors received the appointment letter from XXXX County ProbatXXXX in XX/XX/2022. Since that time, I have closed XXXX XXXX numerous bank and brokerage accounts and deposited the funds into the estate account at XXXX XXXX XXXX XXXX. However, Truist Bank will not talk to me to close her accounts held there. I have gone to two separate branches, including one on XXXX XXXX XXXX XXXX ( I am XXXX XXXX ) but to no avail. It was suggested I get an attorney to write an opinion letter that indicates the executors can act independently ; this statement is in black and white in the will but Truist has indicated it will not read the will. I have sent the death certificate, the executor letter and the will along with a letter requesting exactly what procedures Truist Bank requires for me to close the accounts to their legal department ; I have not had any response from them in over a month. I understand Truist took over SunTrust and BB & T but there has to be a way for the estate to close the accounts of a deceased client. Truist is earning money on XXXX XXXX accounts and should be instructed to return any interest earned to the estate. I request the Consumer Financial Protection Agency force Truist Bank to turn over XXXX XXXX bank and investment accounts so we can finalize the estate. XXXX XXXX XXXX, XXXX, Executor for the Estate of XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I applied for a mitigation loan. The bank said I didn't qualify. I got a mediator through the state of Ohio. Their lawyer called the bank during the meeting and was told I did qualify and everything was turned in on my end so it never shoukd have gone to foreclosure. They said they would do a title search and then the loan would be approved. It never should have gone to foreclosure as I did qualify. They never did the title search and sent it to a sheriff sale. When I found out I called their lawyers and the bank and they did the title search and stopped the sheriff sale and approved the loan. However they added a high amount of fees for this process and now I have a silent loan on the house in addition to my other loan. I need help because I have tried and they keep saying they were correct but the state and their lawyers have records that I qualified and had nothing more to do on my end. They added all these fees. They tried to take my home in a sheriff sale when they failed to do my title loan. They keep ignoring and excusing me and I need help. I should not owe all those fees. I signed the documents as I would be homeless without it but I had no understanding of what was going on. Can someone help me please. I can't fight a big bank on my own and this has been years of me trying. I don't want it to be too late.

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 2022-09-20 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 — Investigation took more than 30 days
Company: DISCOVER BANK
State: MA

Complaint narrative:
I had to use over six months of forbearance to cover my loan from being in repayment. Discover was not emailing me and was sending correspondences to the University. It wasn't until I checked my credit score to know of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I submitted a payment on XX/XX/XXXX of {$300.00} which was later rejected. I was in the process of transitioning banks, so I reached out on XX/XX/XXXX as soon as I realized what happened and paid the {$300.00} immediately. I spoke with them via email to explain what happened. I had been a member since XXXX, and I was always on time with my payments. They waived the fee and the payment posted on XX/XX/XXXX. Today, XX/XX/XXXX I was notified by my bank that my Care Credit account had been closed. I looked through my email, as well as my Care Credit online account for a letter notifying me of an account closure and found nothing. I called Care Credit and was told that I missed a payment back in XX/XX/XXXX of {$93.00}. I explained that I made a payment on XX/XX/XXXX, one day before the payment due date of XX/XX/XXXX. I was told the payment was rejected because since the bill due date was a Saturday, it wouldn't be processed until the following Monday, therefore making it late and that it should have been submitted on XX/XX/XXXX. I received no message back then indicating this would be considered a late payment or to submit at an earlier date.

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 2022-09-20 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: CA

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 


Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverifiable Account Reporting

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 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: AL

Complaint narrative:
I am victim of identity theft, XXXX XXXX and XXXX XXXX has fraudulent accounts on my credit report that needs to be remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payme
nt account under an open end consumer credit plan as a late for any purpose 15USC 1662 : For purpose of this section, the term billing error means ( 1 ) reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to the person who as actual implied, or apparent authority to use consumer open end credit plan.

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 2022-09-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-09-20 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: IL

Complaint narrative:
XXXX School loan should have been in forbearance due to COVID. They continued to take out payments from checking account during the forbearance period totaling {$2300.00}. 
I notified Ed Financial the loan servicer and they told me they would check into it. I asked for a refund of the above amount back to me and to put that balance back on the loan. They said they would put in the request and asked for me to write a letter stating that information and asking that the forbearance be granted and the refund be given to me. 
I submitted the letter online on XX/XX/XXXX. 
I was told I would be notified within 7-10 days. 
Today, XX/XX/XXXX I contacted them stating I had never heard from them and they said that XXXX the lender had denied the request and there was nothing that could be done. 
I contacted XXXX and they told me the loan should have been in forbearance starting XX/XX/XXXX and they had that on file and did not know why those payments continued to be taken out. 
They said they could do nothing at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/2022, I asked an XXXX XXXX agent to provide me with a link so that I could upgrade my XXXX XXXX  account to an XXXX XXXX  account. I told an online XXXX agent with whom I intended to upgrade my existing card that I did not want a new account, as it would hurt my credit score, and explained that my wife and I are financing our first home. I did not want a new account on my credit report as my loan agent advised me not to open any new accounts. Because this was through an online XXXX agent, this conversation is in writing, where I expressed many times to XXXX XXXX that I did not intend to open a new account. Days after clicking and signing the link XXXX provided me, I noticed that in addition to having my existing account with XXXX upgraded, an entirely new account was opened in my name, against my wishes. I immediately closed the erroneously created new account upon realizing what had occurred. I have called XXXX customer care seven or eight times and was told there is nothing they are willing to do to remove this from my credit report, even though I have documentation in writing with their representative of my wishes not to create an entirely new account. For the next XXXX years, I will have this opened and closed XXXX XXXX account ( Dated XX/XX/2022 ) on my credit report, which XXXX opened against my wishes. I would like this removed immediately from my credit report, and XXXX should work with me in this process.

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 2022-09-20 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: UT

Complaint narrative:
I notice XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX on my credit all of them are fraud/ID theft, XXXX XXXX was removed then after 1 year they added it back as a charged off, XXXX I contacted and XXXX XXXX as well they are vary rude and dont care, I disputed it with the credit and they dont care I even sent police reports and ID theft paper and Fair credit reporting paper they dont care I need it removed now due to fraud

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 2022-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
We pay our mortgage through an automated XXXX XXXX system that is scheduled monthly. We've been paying our mortgage successfully and on time for over a year. In few months ago we received a letter saying we were late on our payment. I checked my bank documents and it was sent at the same time as every other month. There was no reason why my payment should be anywhere close to late. 
But you see LoanDepot decided to have two servicing offices. Which seems like no big deal but we had to change a bunch of things. Our payment address changed, our account number changed and we even had to sign in online to a totally new area because we had to create a new online account. This is ridiculous. The new servicing office doesn't have a way to electronically take payments from the bank so now every payment we make clears our account and doesn't get processed until 2-3 weeks after it's been sent. I feel like they are purposely making it hard to do business with them in order to make more money on late and interest fees. I would be wary of doing business with them again. 
If CFPB did an audit on loanDepot I bet they would find an astounding amount of customers that had issues after splitting into different servicing offices. They know what they are doing isn't illegal so who cares, right? I do. Hopefully something will change, for the better, soon.

Company response to consumer: Closed with explanation