vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2022, I received four emails right after the next from Wells Fargo stating that I applied to open a checking account, that I needed to clink a link to e-sign, that my account was approved and that I could start using my account. All four emails came into my inbox in TWO minutes and I never clicked on ANY of the links in their emails.

I did a google search on this and saw that there is a history with Wells Fargo employees opening accounts, etc. so I immediately called their fraud department and went through a lot of questioning to prove who I was and that I didn't open the account. After some holding and more info, they put a freeze on the account ( I've never had an account with Wells Fargo ) and said they will continue the investigation, etc. and will be reaching out to me later with updates via mail. After my call to them, I put a credit freeze on my credit with each of the three credit bureaus, changed my email and banking passwords and I'm filing here. Luckily, I caught the emails immediately from Wells Fargo and no transactions were made under my name with the new account before they froze it. 

In researching this bank online, this seems to be the norm with them. Lots of scandal, lots of fraudulent account openings according to stories online.

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 2022-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have opened a checking account and savings account with Discover Bank last XX/XX/XXXX since they have an offer that if you made a {$25000.00} deposit within 30 days they will give you {$200.00} bonus. We decided to transfer our savings account from XXXX XXXX XXXX to Discover since they also have a higher APY. Gradually, I have transferred my money to Discover and I already closed my XXXX XXXX XXXX savings account. 

I even moved my direct deposit payroll account to Discover Checking Account. 

My total money at Discover is about XXXX for the checking and XXXX for the savings account. 

All of a sudden today, XX/XX/XXXX. I received an email saying that both my checking and savings account at Discover is being closed. I called customer service and they only said that it was due to business decision and they will give my money back via check after 60 days. 

I tried to ask for a manager but they said no one was available. I transferred my savings to Discover since I wanted my money to earn more interest. I was a Discover Card member since XXXX and I am not sure why they would just close my checking and savings account just like that without any notice or someone calling me why they are doing that. 

That money is for my daughter 's college tuition fee which is I am going to use for her enrollment for this coming semester. 

The total money in question is about $ XXXX. I can't wait 60 days to get my money back. I can't access my account anymore since they already close it. 

Appreciate your help regarding this matter so I can get the money I deposited to Discover bank. 

Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX ( Experian ) has violated my rights. 15 U.S.C 1681 section 602 a states I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I didn't close my account! When they told me that my account was closed, I asked them to reopen it because I did not close it! They continue to tell me to go in store to apply... I told them the closest store is 2 hours away and then all of a sudden today ( XX/XX/XXXX ) I get a letter in the mail stating my account could not be approved... I never reapplied because it won't allow me to... It states that my account is still open and I already have an account... When I sign into my account it says I have {$250.00} available in credit. So they checked my credit without my permission!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America approved a fraudulent card request and will not give me the application information I requested so that I can inform my local law enforcement, who will not allow me to make a police report without it. 
The company demands I send a copy of my social security card by mail or fax. They will not allow me to confirm my identity in person at one of it's hundreds of branches. This is not a secure method for conveying my personal data ( and is discouraged by the US government ), but this bank gives me no other option. 
In essence, this policy means I must open myself up to further fraud by making a physical copy of my social security number and then just sending it away to to be lost or intercepted in order to combat the original fraud. I believe this makes them liable co-conspirators in the fraud as they are actively concealing a criminal from my local police department. 
This policy is possibly illegal but most certainly onerous and likely intended to reduce the company 's requests overall, but has the unintended, but very real consequence of stopping consumers, especially ones with limited access to identification like immigrants, the disabled, and people with religious beliefs about having social security numbers from being able to pursue redress for the fraud. In this way, Bank of America discriminates against protected minorities and co-conspires with fraudsters, probably because they know consumers will be forced to pay off these debts in many cases, if they are not caught early and that they will make a lot of money during this time.

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 2022-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: CT

Complaint narrative:
XX/XX/2022, I received a notification on my credit report that a derogatory remark had been placed by Aldous and Associates P.L.L.C. I have never received any form of written communication either via email or letter from this company about a balance/debt, let alone a chance to dispute such a debt. I received spam robocalls from the company number out of Utah. When I answered it was an an automated robocaller. Any voicemail I had ever received was just an automated phone number. No voicemail ever disclosed I had a debt to settle or an urgent matter at hand. I called the company-who still has not given me my account number. I explained the situation and they refuse to remove the derogatory remark on my credit even though I physically never received any written correspondence or verbal correspondence for that matter. I was willing to pay off a balance of {$76.00} that I had no idea existed but seeing my situation I requested the comment be taken off my credit report. When I asked to speak to someone higher I was told that was not possible by XXXX XXXX. I asked to leave a message and he then hung up on me. So I am still without an account number and unable to pay off this balance that I had no awareness of until today when my credit report flagged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX CREDIT ACCEPTANCE Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions this account is reporting open and closed at the same time, how can that even be possible account is report 120 days late and also 180 days late at the same time, how be that be this you your violating my rights Account is reporting inconsistent and inaccurate information you are alleging the negative claims still yet have NOT provided proof of truth, correctness, timeliness, and or else wise adequate COMPLIANCE to all laws protecting consumers. 

I HAVE CONTACTED THIS COMPANY NUMEROUS OF TIMES TO RESOLVE THIS PROBLEM AND THEY KEEP CHANGING MY CREDIT REPORTING EVERY COUPLES WEEKS BUT NOT SOLVING THE PROBLEM I HAVE ALSO REACHED OUT TO ATTORNEY GENERAL PLEASE REMOVE ENTIRE ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY

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 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
After filinfg an inital dispute because of a scam that took place concerning the Serve American Express card that I purchased, the company replied back saying they can not refund any money becasue the card is not registered. My complaint is, I have tried numerous times to register the card. Even the day of the scam, I tried to register the card, but I recieved the following message. " Oops! We, this is akward. Please try again later. '' a week later, I am recieveing the same message. " Oops! We, this is akward. Please try again later. '' The company will not refund my {$450.00} because I have not registered the card. However, when I try to register the card, the system is telling me there is a problem and try again later. I even called the number to speak to a representative. The repesentitive told me that she could put in the fraud request for me and asked me to go on line to XXXX and place the fraud there. Please resolve this. I think this company is a scan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested the Credit Agency to investigate the inaccuracies on my credit report and validate the information has been reported correctly. 

I have investigated this information and have found improper inaccuracies on my credit report after the Credit Agency did their research. 

I have found the following discrepancies and/or inaccuracies that are being reported on my Credit report, with XXXX XXXX Account XXXX XXXX listed below here are the discrepancies : XXXX ) Status > Days late 2 ) High Balance, 3 ) Date Reported 4 ) Count of Late Payments 5 ) Date Last In accordance with the Fair Credit Reporting act and XXXX  Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-01 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: VA

Complaint narrative:
I've asked several times that " XXXX XXXX XXXX '' be removed from my account as it was an act of fraudulent activity. it still hasn't been fully removed after 7 years of disputing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo I inquired about my daughter applying for a mortgage assumption on a loan in my name. The approximate loan to value is 65 %, loan balance is XXXX I have paid on time since loan began three years ago. As part of covid I asked for payment deferrals. I deferred about {$5000.00} which got added to the end of my loan, my daughter was unemployed and I am XXXX 

I was told because there is a lump sum added to my loan {$5000.00} that this made the loan ineligible for mortgage assumption. So the federal government passes laws to assist people during covid and you follow the rules and they are now held against you, you can't make this up. I worked for banks and am on the Board of a bank so I understand the process. No wonder Wells Fargo has such a dismal image they keep working on it.

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 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CVB FINANCIAL CORP.
State: CA

Complaint narrative:
On Thursday, XX/XX/2022. I was prevented from entering Citizens Business bank located at : XXXX XXXX XXXX XXXX XXXX Ca. XXXX, by XXXX XXXX who introduced herself to me as the vice president of the bank. When I approached the front door, I heard it lock and I was met by XXXX XXXX who made me explain through the glass doors ( for several minutes ) during business hours, why I wanted to come in. I explained to her that I was a customer and XXXX XXXX asked me to show several forms of ID, including debit card, Driver 's license and also made me recite my account number all while behind a locked glass door. I was finally allowed to enter the branch. I filed a complaint with the corporate office and spoke with XXXX XXXX, regional branch manager the next day. She took my complaint and said that she would speak to XXXX and get back to me by Monday. Monday morning at XXXXXXXX XXXX, I went to a different Citizens Bank, in XXXX Ca. which is way out of the way, but I felt as though I'd get better treatment there than back in XXXX again. I was met by a friendly banker that was eager to help. She said that she saw something on my account that was strange. There was a note on my account that stated to call the Vice President before any money could be taken from my account. The banker told me that was strange and that she had no idea why this would be on my account. It was a flag. She made the phone call to XXXX XXXX, assistant vice president. XXXX wanted to know why I was taking my money out and said that it was " too dangerous to have that kind of money on me '' and also asked the banker if I had anyone with me. The banker was then asked to hand the phone over to me where I was questioned about my account and asked if I was planning to close my account and if I realized how dangerous it is to have that amount ( XXXX ) on me. I told XXXX that this type of treatment by Citizens Bank is absurd and that I would be making a complaint against the bank for being locked out at the XXXX branch and also for having my account flagged for no reason and needing to explain why I wanted to take my own money out of my account. She made me sit through a short lecture, the same type of lecture and screening that I had to endure in her office for two hours when I opened my account. When I hung up the phone, the teller was embarrassed and apologetic and explained to me that this type of behavior is extremely abnormal and that it is not unusual for a client to withdraw XXXX from their account. She explained that they see much larger transactions on a daily basis and that the only time an account would be flagged like his is if there is suspected fraud. I was completely embarrassed once again and mortified once again by Citizens Business Bank.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: TX

Complaint narrative:
I have a checking account with Wells Fargo. On XX/XX/2022 I received a call from what I thought was Wells Fargo stating I had fraudulent charges. Later realized this was a phishing call and they removed {$1000.00} from my account through an ATM @ a Wells Fargo branch an hour away. I called and filed a claim and also called the local Police Department and started a police report. Wells Fargo deposited the {$1000.00} into my account pending results from the claim. Today, they reversed the {$1000.00} and caused my account to go {$600.00} + negative. I called and they said they couldn't find any fraudulent activity. I requested they look again and was told very bluntly that their deicision wasa made, and if I did file a police report, wait on them to solve it and go to small claims court.

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 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
Loancare , LLC services my mortgage loan. They require I have an escrow account so they can pay for the home insurance and property taxes. Every year they have failed to make one or more of these payments despite my detailed, documented and explicit instructions. They take my money and hold it all year without intention of making the payments they are contractually obligated to pay. They have let my insurance policies lapse multiple times and required me to pay for them out-of-pocket despite my payments to the held escrow account. Additionally, I have requested for them to provide me with contact information for the proper regulators and authorities to resolve this dispute, they refused this request on multiple occasions. Finally, I have requested a physical address to serve legal notices and like communications and was also denied this information.

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 2022-08-01 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: NY

Complaint narrative:
i was out of the country for two years there are a number of inquiries are my report that was never authorized by me called several times trans union with no recourse actions

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 2022-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have credit card with Bank of America and on XX/XX/XXXX when I went to near by store someone stole it. I did not notice it on that day, but on XX/XX/2022 I got notification on my text about some huge transactions made on card. I reported same to BOFA and asked them to cancel transaction and block the card. 
Later I submitted a dispute request on the transactions & BOFA came back saying it was authorized by me so I NEED to pay it. I am not sure how did they make that determination and I am still now trying to reach out to them to speak to someone 4 DAYS, 2 hours of hold time and no one is responding from BOFA Credit card fraud disputes team. 
Its pathetic to see nation 's largest bank have such a pathetic, XXXX customer service where customer have to wait for 2 hours and still can't speak to anyone. This is happening for 4 days in row now and no one in BOFA seems to worry or care about it. This is bad and their license should be cancelled to save customer. 

Now I started to think who is bigger thief or fraud, the guy who stole my card or BOFA who is not giving me service and resolving the issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01 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: ID

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation