vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello My Name Is XXXX XXXX XXXX Birthday XX/XX/XXXX Iam A Us Citizen I Couldnt Open A XXXX  Checking Account When I Went To The Branch They Mailed Me A Paper To My Home And It Says My Credit Score Is XXXX it Says The Key Factors Is Because Too Few Mortgage accounts and length of time most recent collection has established is too short/ to many serious derogatory items /total amount past due or collection amount is too high and I Never Took Out Loans From No Where I Also Never Owned A House I Never Owned A Credit Card From No Where Everything I Ever Brought In My Life I Always Paid Cash For It I dont Have no Bank Accounts I Use To Have Bank Of America And XXXX  But My Cards Was Lost To Them And I Asked Them To Close The Accounts Thats At The Time When My Oldest Daughter Was Living With Me XXXX I Dont Own A vehicle I dont have a job Im a XXXX XXXX XXXX with a XXXX XXXX With XXXX Other Children That Also Live At Home With Zone I Caught My Oldest Daughter XXXX XXXX Age XXXX Going Threw My Important Papers And Since And Every Since I Caught Her I talked to the police about it and they said that it aint Identity theft because she didnt steal my ID or social security card I caught her with all my information writing it down then she ran Out The House And I Didnt No What To Do About All This I Really Need All This Cleared Up Because this is Not My Doing I Obey The Law Please Can Your Company Clear This All Up Because I Would Like A Bank Account But They Saying I Cant Have One Because of All This I Need For This To Be Cleared Up As Soon as Possible Thank You Sincerely XXXX 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 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NV

Complaint narrative:
On XX/XX/18 I received a collection notice from afni Inc . It was for an XXXX XXXX XXXX account in he amount of {$280.00}. This was the first time I had been notified of the bill. 

I followed up with a letter to afni on XX/XX/18 ( see attached ). I copied my attorney on the letter as I always do on this type of correspondence. In XXXX of this year afni send our attorney the collection notice. I NEVER stated we had hired an attorney to handle this and I do not understand why they would change the billing to him. Also, they have not, as of today provided me with any additional information regarding service address, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: BRite Financial Services, Inc.
State: OH

Complaint narrative:
I have been battling this issue for a whole year now and finally decided to just pay it off. On XX/XX/2018 I sent a letter to the credit to settle this account in the amount of {$140.00} with the following terms : All negative information relating to this debt must be removed from my credit report from all three credit bureaus ( i.e. charge-off, late payments ). 
You will not list this debt as a settled account, but paid in full and closed with no balance due. 
Your company will accept this payment to satisfy the debt IN FULL. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to any outside third parties. 
On XX/XX/2018 ; the creditor responded with a counter offer of {$200.00} to be paid by XX/XX/18. On XX/XX/18 I paid the money order in the amount of {$200.00} and again sent the terms that were on the original note and added " In addition cashing of the money order is an agreement of the above terms. '' I never received a response but on XX/XX/18 the money order was cashed. When I checked my email a few days later, I noticed an email from the account manager on XX/XX/18 stating the following " unless you email me a signed letter that you are willing to agree to everything else but the first request, I will have the payment department return your money order. '' Well the money order was cashed and although I understand it has not been 90 days, the creditor has flagged the account as settled and all other terms that were listed in the letter were violated. They received payment, the money order was cashed and I still have negative remarks on my account. 
***SEE ATTACHED DOCUMENTS***

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I noticed on my credit report very old accounts from a Student Loan company. Im not familiar with the accounts, but, nevertheless it is required by state law that no debt is reported longer than 7 years. These accounts were opened in 2010 which means they should be much easier to remove from my credit profiles ( Equifax, XXXX, XXXX ). The accounts are as follows US Dept Education XX/XX/2010 Balance {$4400.00}, US Dept Education XX/XX/2010 Balance {$9700.00}, US Dept Education XX/XX/2010 Balance {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
One day i got a bill from XXXX XXXX for over {$3000.00} and i never had a account with XXXX wireless i called and and told them that i never had a account with XXXX XXXX so i disputed with them and after few months later they told me somehow they verified that i was the one that opened over 5 lines, but thats crazy i never had XXXX XXXX let alone have 5 lines. so please i need help removing this from my credit because i want to buy a house and this needs to be removed from my account before i can buy a house. 

Date Opened XX/XX/2017 Account Type Collection Balance {$2900.00} Contact Address XXXX XXXX XXXX, XXXX, MA XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
There is a hard inquiry from XXXX XXXX for Utilities/Fuel and Telephone Companies on my TransUnion and XXXX credit reports. First, I have zero affiliation with XXXX XXXX in any capacity ; second, they are a telephone services company and NOT a utilities/fuel company. Both initiated an immediate red flag for me. The hard inquiry is negatively effecting my credit score. The inquiry was made on XX/XX/2018. This is all appearing on both my TransUnion and XXXX credit reports shown through the XXXX XXXX website. I have spoken with a representative at XXXX XXXX in the fraud department and confirmed the hard inquiry.

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 2018-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/18 I contacted Capital One to discuss repayment options due to my account being past due. The Capital One website explained that while my account was past due, I still had payment options. I initiated a chat with an account specialist to discuss the terms for repayment. I was advised that if I made a payment of {$200.00} on XX/XX/18 it would bring the account current & in good standing & I would have access to the account. Today I checked my XXXX XXXX account and saw that the Capital One account showed closed. I called Capital One & spoke with a Credit Specialist ( XXXX ) that advised the arrangements were made in error and the representative that made the arrangements would be coached and that my account had already been closed as of XX/XX/18. I explained that this was unfair & misleading. The credit specialist ( XXXX ) clearly became frustrated during our interaction and essentially released the call. I would like to have my chat interaction, website alert message that states that even as todays date that I still have payment options, and call interaction from today to be reviewed. At this point I want to make sure that if I pay {$200.00} that my account would be in good standing and accessible or an explanation if I have any rights. This is extremely unfair & demonstrates deceptive practices by Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Monday XX/XX/XXXX, I began the day with approximately {$45.00}, early that morning I noticed the recurring payment for my daughters braces was charged for {$130.00} causing insuffienct funds of about - {$94.00}. Within hours I deposited {$95.00} to resolve that. An additional deposit of {$19.00} to use my debit card for gas, which was {$18.00}. Fortunately for Wells Fargo, recent transactions were so conveniently delayed and processed in such an order that would only favor Wells Fargo and resulting in numerous overdraft charges. This has happened several times recently, and Wells Fargo has not had a problem refunding me a small fraction of these fees but Im getting sick and tired of it. Yes, manage your money better. Is the best solution, but something my financial institution shouldnt be making it impossible for me to get out of this hole Im in. After speaking with Wells Fargo and attempting to escalate the situation yesterday, their phone conveniently disconnected. I say there phone because my phone was still on the line when the dial tone sounded off. They refunded a measly {$17.00} From {$70.00} that were wrongly assessed to me. I allowed XXXX to deposit a refund I requested of {$29.00} to Wells Fargo to decrease my insufficient funds amount from {$59.00} to {$30.00}. Which I received an email stated my new balance of - $ XXXXand confirmed this with the calculations Ive been recording by hand, Wells Fargo online banking, AND the mobile app. My new balance was - {$30.00}, with no pending transactions. This, although incorrect, but was something I guess I will have to do. Until I come back from lunch and notice a charge that was assessed XX/XX/XXXX has somehow come back to life and processed today, creating an additional {$35.00}. Now Im fu***** livid. When Wells Fargo is asked about this, I get the same response each time. And remember that {$130.00} braces charge that started this? It finally shows today as processed, barely. I just now received it along with a note from Wells Fargo showing theyve kindly waived the fee on that charge. How generous ... ... This is outrageous. Ive been keeping record of my finances all month, and as an underwriter, Im fairly decent at doing so, this is incorrect and flat out criminal. Theyve been doing this for months, moving transactions around and even after being deducted from my balance someone reappear creating an additional deduction. Please please please help me with this so I can bring my account current, hopefully receive any money Wells Fargo has stolen from me and leave this awful bank for good.

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 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX did not inform me of any verification of debt in an attempt to collect it, neither did their credit servicer, Lloyd & McDaniel PLC.  There was no explanation, verification of debt, or request. I wholly dispute all debts owed to XXXX XXXX XXXXXXXX XXXX on the fact that they have never communicated with me regarding the debt, nor has their debt servicer. As of today, I have been notified by an independent law firm that there is a debt collection pending in XXXX Superior Court 1. Without having ever received notification of debt, it is a violation of the FDCPA because I've never been permitted to dispute any portion of said debt or its contents. The collection is illegal and should be deemed as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/2018, was informed that my checking account was overdrawn and charged {$35.00}, in the past I have been told by Bank of America that as long as I deposited cash by XXXX local time into the account on the day I was informed of the overdraft that I would have this fee refunded. I was told by representative XXXX on theXX/XX/XXXX that that is true, but he could not refund the fee. 
I did put {$300.00} into the account on the XXXX at XXXX XXXX. This put me in the black on the 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 2018-09-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I noticed on my credit report very old accounts from a Student Loan company. Im not familiar with the accounts, but, nevertheless it is required by state law that no debt is reported longer than 7 years. These accounts were opened in 2010 which means they should be much easier to remove from my credit profiles ( XXXX, Experian, XXXX ). The accounts are as follows XXXX XXXX XXXX XX/XX/2010 Balance {$4400.00}, XXXX XXXX XXXX XX/XX/2010 Balance {$9700.00}, XXXX XXXX XXXX XX/XX/2010 Balance {$12000.00}.

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 2018-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLATINUM HOME MORTGAGE CORPORATION
State: CA

Complaint narrative:
XXXX XXXX is acting as a loan officer and Realtor without a license. We were referred to him by friend and found out that he is not licensed. When discussing loan options and XXXX taking our application he became very upset that we questioned his role in our loan. He is provided us with a license number of someone with the same name who may be his father. I am very upset at the lack of integrity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I placed an order at Kohls.com, the order got cancelled and when i called to find out why they said there was a fraud alert ( I had never had this before, nor did they call or email me about this ). They said they phone number on my account couldn't receive texts and would not allow me to use a different number as they claimed they could not verify the number. They would not explain why they couldn't verify it and just locked my account saying i need to go to a store with 2 forms of ID. I do not have time to do that, and i have 2 cell phones with 4 available numbers as well as an email on the account that they can use.

I have had fraud alerts with other banks and a simple phone call or click of an email link will correct it. i have never had to go to a bank. This is unacceptable.

I spoke with XXXX, employee number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I went to a car dealership to get a car but I was told that I have a credit freeze on my file. But I never told any one to put it on there. I'm tried of the discrimination that come from this company. Here the thing, when I had the freeze on my account. My identity was stolen two times threw there security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 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: NJ

Complaint narrative:
Inquires provided below are all unauthorized and are the result of identity theft XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 TXXXX XXXX XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX  XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2018 XXXX XXXXXXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXXXXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX  Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX   Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2018 XXXX XXXX Inquired on XX/XX/2018 XXXX XXXX   Inquired on XX/XX/2018

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 2018-09-20 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: OH

Complaint narrative:
I have been battling this issue for a whole year now and finally decided to just pay it off. On XX/XX/2018 I sent a letter to the credit to settle this account in the amount of {$140.00} with the following terms : All negative information relating to this debt must be removed from my credit report from all three credit bureaus ( i.e. charge-off, late payments ). 
You will not list this debt as a settled account, but paid in full and closed with no balance due. 
Your company will accept this payment to satisfy the debt IN FULL. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to any outside third parties. 
On XX/XX/2018 ; the creditor responded with a counter offer of {$200.00} to be paid by XX/XX/18. On XX/XX/18 I paid the money order in the amount of {$200.00} and again sent the terms that were on the original note and added " In addition cashing of the money order is an agreement of the above terms. '' I never received a response but on XX/XX/18 the money order was cashed. When I checked my email a few days later, I noticed an email from the account manager on XX/XX/18 stating the following " unless you email me a signed letter that you are willing to agree to everything else but the first request, I will have the payment department return your money order. '' Well the money order was cashed and although I understand it has not been 90 days, the creditor has flagged the account as settled and all other terms that were listed in the letter were violated. They received payment, the money order was cashed and I still have negative remarks on my account. 
***SEE ATTACHED DOCUMENTS***

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 2018-09-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been battling this issue for a whole year now and finally decided to just pay it off. On XX/XX/2018 I sent a letter to the credit to settle this account in the amount of {$140.00} with the following terms : All negative information relating to this debt must be removed from my credit report from all three credit bureaus ( i.e. charge-off, late payments ). 
You will not list this debt as a settled account, but paid in full and closed with no balance due. 
Your company will accept this payment to satisfy the debt IN FULL. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to any outside third parties. 
On XX/XX/2018 ; the creditor responded with a counter offer of {$200.00} to be paid by XX/XX/18. On XX/XX/18 I paid the money order in the amount of {$200.00} and again sent the terms that were on the original note and added " In addition cashing of the money order is an agreement of the above terms. '' I never received a response but on XX/XX/18 the money order was cashed. When I checked my email a few days later, I noticed an email from the account manager on XX/XX/18 stating the following " unless you email me a signed letter that you are willing to agree to everything else but the first request, I will have the payment department return your money order. '' Well the money order was cashed and although I understand it has not been 90 days, the creditor has flagged the account as settled and all other terms that were listed in the letter were violated. They received payment, the money order was cashed and I still have negative remarks on my account. 
***SEE ATTACHED DOCUMENTS***

Company response to consumer: Closed with explanation