vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX ( {$420.00} ) and account # XXXX ( {$370.00} ) which you claim I owe. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

Be advised I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
AMERICAN FIRST CU ( CREDIT CARD ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Two of the debts on my credit report are inaccurate. The XXXX XXXX is not mine and the XXXX XXXX have no basis for reported debt.

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 2019-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 American Express APPROVED me for a Platinum Card with a {$550.00} annual fee. I applied for an American Express Blue Cash Card on XX/XX/2018 with NO annual fee and they declined me. Even though American Express used the same exact credit report with the same exact information to use in the XX/XX/2018 application as they did on the XX/XX/2018 application. The only reason American Express approved me for the Platinum card is because they know I will pay the annual fee. I have had eight American Express cards in the past few years, all in good standing, ( I closed them ). In American Expresses recent responses to my CFPB complaints they have been untruthful. The fact that they used the same credit report to approve me for a card with a {$550.00} annual fee and declined me for a card with No annual fee. This action shows that they are just trying to extort more fees out of me. The reason in the prior complaint I asked them to waive the annual fee is because they have shorted me XXXX membership points. They have done nothing to rectify this. American Express is a big company, and it is easy to overlook unethical practices. XXXX XXXX thought they could get away with it, but they got caught. I am hoping American Express will as well. They are very unethical with extremely terrible customer service. The Platinum Card they approved me for on XX/XX/2018 has since been downgraded to a Gold card with a {$250.00} annual fee. My credit & scores are actually a lot better since XX/XX/2018. My XXXX XXXX score ( XXXX ) .. XXXX XXXX score XXXX. XXXX Score fico XXXX is ( XXXX ) which American Express uses. XXXX ( XXXX ). American Express needs to be seriously looked into for ethic violations. Even though American Express used the exact same credit report to Approve me for an annual fee card & declined me for another. Maybe American Express is treating me unfairly because of my ethnicity. I can not think of any other reason other than extortion why they would treat me unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
This is a complaint re Wells Fargo Bank and their obstruction to my efforts to close my account with them. They earlier responded to a complaint I made to the Washington State Attorney General 's Office ( AGO ), saying they would waive fees and represented that an account can be closed in several ways. All of which clearly turns out is untrue. 

I have since made efforts in-person, online, and by phone to close the account, all without success. They simply direct you to go to a branch location. I went to the branch located at XXXX XXXX XXXX in XXXX today ( XX/XX/31 ) and AGAIN requested to close the account. I was given more run-around about processing cycles and that the account could not be closed until XX/XX/XXXX. I was also ( falsely ) told the account can be closed on line, and/or to call the same number I had earlier tried only to be told to go to the branch. 

It is a never-ending run-around while Wells Fargo assesses fees against the account each month. They have since charged me another {$60.00} in fees ( {$30.00} per month for XXXX and XXXX ) since promising to waive fees and close my account. I obtained a bank check for the balance of my account on XX/XX/31, but was given more excuses at that time about why the account couldn't be closed. 

Again, all I want is to close my account and the ADDITIONAL fees they have charged since I first made this complaint ( {$60.00} ). I have screen captures of the website showing that there is NO option for closing accounts online as I have been told. The telephone line tells you to go to the branch and the branch always has some reason why they can't close the account, i.e. processing cycle, system down, etc. ( and they send you back to the telephone line ). It is total nonsense.

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 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: AL

Complaint narrative:
Freedom debt relief has been charging us for over a year now for services that was not explained

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: GA

Complaint narrative:
I sent in documentation that items on my credit report were inaccurate. I provided the proof and they were not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient loan services, formerly known as sallie Mae is reporting that we have a late payment every month and that we are defaulting on a student loan. 
This was a personal loan, cleared by Bankruptcy chapter XXXX filed back in 2009. They are saying I went to school at XXXX and that is incorrect, as I have attended the university. This was a private loan that they included themselves in and got payment from the bankruptcy. They have been calling and pretending to be a federal loan. This loan on the credit bureau, shows it is a charge off/ bad debt. Yet they report every month that its a late payment. They got money out of a chapter XXXX, marked our credit with bad debt/ charge off, and are now reporting that our payments were good up until a few months ago and are destroying our credit. While we are trying to go through escrow. 
This company is a fraud and they are liars. They started collections with XXXX a long time ago, and that is who we put in our bankruptcy. And when they changed their name to Navient they started to threaten by by phone this is unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: Equidata, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX reported an item that was against my fcra violation removed and put back on that was paid in full. my driver license was stolen not aware of the charges to the best of my knowledge XXXX violation XXXX XXXX XXXX XXXX XXXX harassed and threating me suiting me threating me see attach documents

Company response to consumer: Untimely response
Consumer complaint received 2019-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: AZ

Complaint narrative:
This organization has sent notifications to me regarding a debt that is not mine. I have mailed an affidavit stating such, and they have not removed this from my record. 

I never opened an account with this entity or any of its affiliates. I have stated this in my response affidavit to the alleged said debt of {$800.00}. I also do not have any credit cards in my possession at this time, other than two debit cards from two banks. I do not agree to any contract unless I can sign it with my wet-ink signature. Otherwise, I do not contract in any way. 

This organization knows this as I have explained it to them before. But they continue to send me itemized documents, balance sheets, payments and payment notices, et cetera, to an account I have never had anything to do with. They have not shown me any proof I hold an account with them, and they will not find such proof, thus needing to remove this damaging report from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX reported an item that was against my fcra violation removed and put back on that was paid in full. my driver license was stolen not aware of the charges to the best of my knowledge XXXX violation XXXX XXXX XXXX XXXX XXXX harassed and threating me suiting me threating me see attach documents

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND

Complaint narrative:
I have been banking with Bank of America for five years and had three credit cards with them : -Spirit Airlines World Mastercard ( opened XX/XX/XXXX ) -XXXX XXXX Visa ( opened XX/XX/XXXX ) -BofA Travel Rewards ( opened XX/XX/XXXX ) I had my wife on my Travel Rewards card account as authorized user for months without problem, and I added two of my friends as authorized users to help them build credit, the rrquest went through in thr system. On XX/XX/XXXX, and Bank of America closed all my accounts on XX/XX/XXXX without prior notice. 

I called in and the representative transferred me to fraud department, offered to request to reopen all three accounts after a hard pull on my credit report. I agreed and they proceed, and they came back with a denial, citing " we are not comfortable with the authorized user activities at this point ''. 

A few weeks later I received 3 seperate letters from BofA notifying the closure of my accounts, citing " irregular authorized user activities ''. I called in, visited local BofA branches and spoke to various BofA employees including a branch manager, asking if BofA stil wants my business, they all told me that " You're welcome to apply for new credit cards in the future ''. 

Nowhere in BofA 's credit card user agreement says I am not allowed to add 2 authorized users on the same day. I met the minimum spends for both XXXX XXXX card and Spirit Airline card before the closures, but BofA never awarded me XXXX XXXX bonus points and XXXX Spirit bonus points because of this. 

I applied for new BofA credit cards on their website in XXXX, and the declined decision came back with " An account with us has been revoked '', contradicting to what numerous BofA employees told me before. I called in again and BofA underwriting department could not tell me why this was the problem and when I can apply for their cards again.

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 2019-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This organization has placed a negative report on my credit. I have never heard of this organization. I have responded to their allegation of debt, found they bought this debt from yet another entity I have not heard of. 

Since I do not own any credit cards and never have, I could not have opened up such an account as is alleged. I do not sign any contract unless it is in front of me and I can sign it with my wet-ink signature. I DO NOT sign any contract electronically or online as that is not a true binding contract. 

This organization needs to show such a contract for this debt to have anything to do with me, as I am certain I never contracted as they allege.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whome it may concern, This is a warning to anyone thinking about accepting payments to their credit card from someone that is offering to buy goods or services online. Do Not Do It! Those payments can be reversed at any point in the future, mine was 6 months later! 

I am a credit card customer of Capital One Bank ( XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX ). I had an item advertised online for sale and someone offered to purchase it by paying off my credit card. As many people know, this is an unreliable way to accept payment and a common scam so I contacted Capital One customer service that I just received a payment from someone online and asked them if I cancel my credit card and close the account, how long after the closing date will the account completely be closed, where no payments can be made into or out of the account and no payments into the account can be reversed. I was told by the Capital One customer service representative that I would have to wait 2 billing cycles ( 2 months ) after account closure for all accounts to be settled and no more transactions will be able to be made into or out of that account. Everything will be finalized by then and all payments settled. So going on the advice of the CS representative I told the payer ok but you will have to wait at least 2 months, they said ok and the {$7900.00} payment arrived into my account on XX/XX/2019 ( split into 2 separate payments ). So I proceeded to close the account a few days later, received a check for the positive balance in the mail from Capital One and waited 3 months after closure to mail the person the item in question ( XX/XX/2019 ). 

6 months later at the end of XX/XX/2019 I receive a letter in the mail from Capital One informing me that a payment error was made on my account, that the payment has been returned to the bank that payed it and to quote the letter from Capital One " Rest assured, we've already corrected this error and you dont need to take any action ''. I just spent 2 hours on the phone with Capital One and as it turns out there is nothing they can do about it, I have no recourse or any way to get the money back and I now owe Capital One {$7900.00} + {$220.00} interest for the late payment. I asked them to provide any information about the bank or account that the reverse payment was sent to and they refused to provide any information about how or who requested the change. No names, no account information, not even the banks name that the refund was issued to. 

Do NOT accept payments to your credit card! They can be reversed at any stage in the future, mine was reversed 6 months after I received the payment and 5 and a half months after I cancelled and closed the credit card account. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Banks and s & ls Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Banks and s & ls Inquiry Date XX/XX/XXXXRemoval Date XX/XX/XXXX Business Type All banks XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX EQUIFAX, XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Miscellaneous EQUIFAX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX XXXX XXXX Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX - XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type National credit card cos. 

EQUIFAX XXXX - XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type National credit card cos. 



XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01 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: OR

Complaint narrative:
XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Banks and s & ls Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Banks and s & ls Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business  Type All banks XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX, XXXX, EXPERIAN XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Miscellaneous XXXX  XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX EXPERIAN XXXX XXXX/XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX EXPERIAN XXXX - XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type National credit card cos. 

XXXX XXXX - XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type National credit card cos. 



XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX EXPERIAN XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards

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