vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Well Fargo continues to claim that they've thoroughly reviewed this matter, but in reality all they've done to date is keep reiterating without merit that this matter has been previously addressed. They state this claim without actually seriously looking into my then financial situation without any legitimacy and emphasis on assisting the financial hardship I had to endure as a direct result of their toxic and destructive loans. The loan in question, a PICK-A-PAYMENT loan, has been found to be one of the most self-destructive Mortgage loans ever developed by any U.S based mortgage lender . Wells Fargo had to dole out millions in restitution via a " settlement '' and was supposed to assign a specialist to help modify said loans into restructured loans that would help save ones primary residency. Wells Fargo once again duped the courts by concocting modification approval formulas and mythology that favored their agenda and interests. I know this as a matter of fact due to my financial troubles that this very loan has subjected me to personally. To merely take principle, interest and penalties owed, slap it all on the back of the loan, keep the very same terms and conditions in place that caused the ruin to begin with and call it a " Modification '' is nothing less than insulting and deceptive. I will not go away and I will not stop fighting until Wells Fargo makes fair and equitable compensation for my loss.

It is of known fact that Wells Fargos software algorithm resulted in Wells Fargo " mistakenly '' foreclosing on hundreds of homes over an eight year period ( ref XXXX XXXX XXXX XXXX. During the time period in question I had submitted multiple modification requests that either had not resulted in a modification that would have provided relief during my time of crisis ( ref XX/XX/XXXX MOD Request ) or was simply denied ( ref XX/XX/XXXX MOD & XX/XX/XXXX appeal ). These modification decision outcomes were critical and paramount in maintaining home ownership of the property known as XXXX XXXX XXXX  XXXX Fl, XXXX. With the unfortunate and now predictable demise of Wells Fargos destructive Pick-A-payment loan that myself along with millions of other predatory lending victims were subjected to, ( XXXX XXXX XXXX ) the cost impact to such a toxic loan to this day keeps on eating away at its victims financial means in so many devastating ways.

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 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Yesterday, XX/XX/XXXX, I deposited ( via a teller ) a large check ( {$27000.00} ) into my Bank of America checking account. I wrote the check to myself in order to move money from my XXXX checking account to my BOA checking account. When I made the deposit, I received a XXXX XXXX large deposit hold notice. This notice indicated that {$5300.00} would be available on XX/XX/XXXX and that the remaining {$21000.00} would be available on XX/XX/XXXX. 
Late last night ( XXXX ) I received an automated email from BOA invoking the Reason to Doubt Collectability check hold, with the reason listed as " A hold was placed on your check ( XXXX ) because specific information indicates item may be returned. '' This reason was not actually specific, as it provided XXXX information to explain the hold. 
Today, I went to the branch location where I deposited the check. I was told by the manager ( assistant manager? ) that the hold had been placed by BOA 's back office and had nothing to do with the branch. He explained to me that, in his experience, BOA would typically invoke the Reason to Doubt Collectability hold whenever a large check was deposited, especially if the amount of the deposit was larger than " usual '' for the bank account. I pointed out that the explanation he provided was actually a description of the large deposit hold, not a reason to doubt collectability. He said this is BOA 's unspoken policy, that there was nothing I could do about the hold, and that further contacting BOA would be a waste of my time. He was sympathetic and polite, but ultimately unhelpful in resolving the situation as it appeared to be beyond his control. 

My concern : I am worried that XXXX ) BOA is indiscriminately using fraud-prevention or BSA AML rationale to place exception holds inappropriately in violation of XXXX XXXX ; and XXXX ) that BOA is avoiding providing specific reasons for exception holds ( as required by XXXX XXXX ) by hiding behind a fraud prevention rationale. This is particularly troubling, as consumers attempting to move funds in order to pay off time-sensitive debts or close on a mortgage, etc., may be harmed by such a practice. 

By way of background, I am an attorney, I have never been convicted of any crime, my credit score is in the mid XXXX, my XXXX  account contains at least XXXX XXXXXXXX, my BOA account has not been overdrawn ( I use it as a petty cash fund, and typically direct deposit $ XXXX a month into it ), and both accounts have been open for longer than XXXX months. I also have a credit card with BOA, on which I have never made a late payment. If BOA 's policies or algorithms consider me a fraud risk, I shudder to think how many consumers are being harmed on a daily basis by this institution.

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 2022-02-03 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: TN

Complaint narrative:
I have been dispute this account : XXXX XXXX XXXX off and on for a year with Experian and XXXX. This item was removed from my credit report XX/XX/XXXX and reinserted back onto my credit report XX/XX/XXXX without warning or notification in writing. I am a victim of identity theft. This XXXX account was open XX/XX/XXXX. At that time I was incarcerated. My incarceration date was XX/XX/XXXX and I was not released until XX/XX/XXXX. Experian has responded to me by email several times to tell me they will no longer reinvestigate my dispute and will not remove nor block this item, saying that XXXX certified that the account belonged to me which is false. Experian nor XXXX provided me with any proof. XXXX only sent me bills showing me transaction details which is not proof.

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 2022-02-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Reel Time Capital LLC
State: MO

Complaint narrative:
XXXX Phone call. I stated that I needed documentation/verification of debt sent to me. I stated that I would not provide personnel information over the phone regarding debt or payment. They stated they were working on behalf of Reel Time which I did not recognize and stated so. 

XXXX Phone call. Aggressive, attempted to intimidate me and kept cutting me off. Would not let me finish sentences and was threatening tone when I apparently used the wrong word for the item I had requested. Wanted me to confirm banking and payment over the phone. I stated that I still have not received the requested documentation/verification. I also stated that I would not pay blindly without the documentation/verification I have requested to safeguard that they were handling the debt. He continued to talk over me in the same aggressive manner and then hung up while I was speaking. 

I feel that this was improper conduct, aggressive tactics and and they were threatening to take actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been disputing with the 3 Credit bureaus for 5 years that a auto loan appearing on my credit report is not my information and it is also inaccurate reporting. 
Transunion credit bureau is also now reporting a inaccurate bankruptcy on my credit report that is not mines also it is not even appearing on my other 2 bureaus The 3 credit bureaus are refusing to delete these inaccurate items and they are also refusing to send me written verification that these accounts belong to me and I have requested it in writing for years The credit bureaus are damaging my reputation and also preventing me from buying a home for my kids because they are reporting innacurate fraudulent information I want them to delete these negative items immediately so that I can properly take care of my kids They refuse to take the items off

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 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX / XXXX / {$6000.00} XXXX XXXX / XXXX / {$1800.00} XXXX XXXX XXXX XXXX / {$980.00} XXXX XXXX / XXXX XXXX {$1300.00} XXXX CARD / XXXX / {$4200.00} XXXXXXXX XXXX XXXX XXXX / {$0.00} XXXX  / XXXX / {$0.00} XXXX XXXX/ XXXX / {$0.00} XXXX  / XXXX XXXX {$0.00} XXXXXXXX XXXX / XXXX XXXX {$4400.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX / XXXX / {$6000.00} XXXX XXXX / XXXX / {$1800.00} XXXX XXXX XXXX XXXX / {$50.00} XXXX XXXX / XXXX XXXX {$980.00} XXXXXXXX XXXX / XXXX / {$920.00} XXXX XXXX / XXXX / {$1300.00} XXXX XXXX / XXXX / {$50.00} XXXX XXXX / XXXX / {$4200.00} XXXXXXXX XXXX / XXXX / {$0.00} XXXX  / XXXX / {$0.00} XXXX XXXX/ XXXX / {$0.00} XXXX  / XXXX / {$0.00} XXXXXXXX XXXX / XXXX / {$4400.00} XXXX5 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XXXX XXXX I was scammed out of {$400.00} using Zelle through my XXXX app trying to buy tickets for a concert. The person made a fake XXXX invoice and told me they were going to tranfer their tickets to me through my XXXX account. They then sent me an email from their email account with a very real looking invoice saying I got the tickets. I told them XXXX should have sent the email. At that time, I knew it was a scam. I called XXXX and filed a complaint and they said I needed to contact Zelle bc Zelle is a 3rd party on their banking services. Right now I do have a complaint with XXXX as well. XXXX had closed my complaint less than 24 hours later. But I also feel Zelle has treated me unfairly as well. When I called, they said I needed to call XXXX and I told them that XXXX said I needed to call them. When I gave them the info, they said that they don't dispute the charges and I can't get my money back. I asked " why can't they just get the money back from the Zelle user that scammed me. I told them I had alot of information about the person, including his address, phone number, email account and copies of texts and phone logs ''. They said that they didn't need any of that but if they did, they would contact me. But, I would not be able to get my money back. I felt like someone should stop this person from scamming other people, so I looked online and filed a complaint online with Zelle. A few days later, I called XXXX and they said it was closed and in Zelles hands and I could maybe get a courtesy refund from Zelle. They said my Zelle case number was # XXXX.I called Zelle and gave them that # and they said it didn't exist and to handle it with XXXX. I asked for a manger and the manager said maybe there is a case number with that # but there was nothing more they could do. I told them I was really concerned about this person scamming other people and I didnt understand why they couldnt just reverse the transfer or do a chargeback if they had the scammers info. She said I would not get my money back, but she would take down the info i had about XXXX XXXX and try to flag his Zelle account. Please help me to understand how they know this persons information but can not get my {$400.00} back from them. Is there any way the ABA 's Electronic Fund Transfer Act ( Reg E ) can help me get my money back. I did so much research about this and about the person who scammed me, I want them to repay me and to also be held accountable for scamming me. I am in the middle of a police report right now and would like to prosecute this person, if that ever happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I reported my debit card stolen/lost, in which my account should be locked. However, two days later, someone had pulled out all my savings and checking, which accumulated to {$3000.00}. When I contacted the bank they had no explanation on how this was possible since my old card was inactive and have not yet received my new card. They also made a phone transaction and stole {$1500.00} from my account. The bank now says I have to wait 10 days before anything happens, although this was their fault for failing to protect 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 2022-02-03 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: CA

Complaint narrative:
I received a call from XXXXXXXX XXXX on XX/XX/2022 to confirm that I applied for credit because I have a fraud alert on my credit report. I told them that I didn't and then I checked my XXXX ID Works activity by logging on to the website I logged into the website and saw that there are 5 inquiries in an attempt to obtain credit in my name : XX/XX/2022 - XXXX - XXXX XXXX XX/XX/2022- Equifax XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022- XXXX - XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX These are all fraudulent attempts to get credit in my name so I worked with an XXXX agent to try to get these inquiries removed and work with the credit companies to NOT issue credit. Now I need these hard inquiries removed. 

I also placed a freeze on all my credit reports to prevent further identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX. I have had my Wells Fargo credit since 2019. I was told that Wells Fargo reports my credit history to each credit report bureau, however, credit bureaus didnt have my credit card on my profile for a long time and after several complaints and investigations, I was able to fix this issue with XXXX and XXXX XXXX Both have my credit card on file and update my credit score. Unfortunately, its been a while now XXXX cant solve this issue with XXXX. It still doesnt have my card on my profile and hasnt updated my credit score. They keep saying that Wells Fargo never reported it and Wells Fargo says that they report it. XXXX assures me that theres nothing they can do about it and that I should solve this issue with Wells Fargo. At this point, I am not sure what I should do. This situation affects me negatively in many ways and I want it to be solved. Thank you!

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 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
EXPERIAN HAS INFORMATION ON MY CREDIT REPORT THAT SHOULD HAVE FELL OFF OR BEEN REMOVED. WHEN I CONTACTED EXPERIAN ABOUT THE LAWS FOR REMOVING THE ITEMS FROM 7 YEARS AGO THEY REFUSED TO ELIMINATE THOSE ITEMS.

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 2022-02-03 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: AR

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Good afternoon : My name is XXXX XXXX. I have been dealing with a Servicing Company Select Portfolio Servicing XXXX loan # XXXX for my home Mortgage for the last 11 months on Covid assistance in a plan to update my mortgage with a modification, forbearance or repayment plan. I learned after the 3rd month that I only qualified for a repayment plan. I have been sending them documentation for the last 10 months and have yet to be given a repayment plan or any finalized plan to move forward with!!! We have sent them the same documentation over and over just to have them change how the document reads or what is needed on it. we have given them 7 different profit/loss statements from my Company that they denied by changing how they want it to read or dates, ownership, expenses, etc. They have asked for a verification letter at least 6 time and denying it for various reasons that they did not inform us of until they denied it. When we started this process after the first for months, we owed a back balance of {$16000.00}, which would have been hard enough to pay back in a specific time like 4yrs, yet they still have not given us a final plan and if we didn't keep sending new clarifications, they could proceed with foreclosure. We are now in the rears {$46000.00} dollars which would be impossible to pay back in a year. I don't know what to do!!! My address is XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX phone # XXXX and email is XXXX Thank you so much. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation