vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2018 I went to Wells Fargo at XXXX XXXX XXXX   and the Banker informed that I need Photo ID and debt card or another verification and make a deposit of {$25.00} said that with the United States that all Banks check credit to open account is that legal because many individual with the United States try to establish credit and open a bank account could be one form of establishing yourself what give any Bank or Financial Agency credit my credit or any one to open account if that was the case then they should not as for a deposit I use be former employee of XXXX XXXX  and the account that I have with them was not treated as employee account they charge me fees please investigate this Bank ensure that they operating according to United States Federal Regulation with opening accounts process all banking products with the United States and no discrimination against me and anyone else and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations

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 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
I received a letter in the mail on XX/XX/2218 from ERC stating I owed a debt to XXXX XXXX in the amount of {$150.00}. I called them and they had no information to tell me about this debt. I than called XXXX XXXX and explained what was going on, I gave then the info reference # XXXX   from the letter. XXXX XXXX has no information of me having a XXXX XXXX   account on my own, I have been on my mothers account of which XXXX XXXX  checked and showed proof of no other account. I want this fake debit removed from my name and credit report. XXXX XXXX XXXX   1XXXX XXXX XXXX XXXX MD, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank has been charging our company, XXXX XXXX XXXX dollar overdraft fees. Our company operates on 30 day terms with our clients and many don't pay on time. Our XXXX   business struggles to keep sufficient funds in our accounts and the over draft fees are absurd. A {$35.00} fee is too much to bare. In 2009, commercial banks made XXXX XXXX dollars on overdraft fees alone. They continue to. Far from protecting their interests if account holders default, they are making a huge surplus off the errors of their clients. I suspect these subsequent years have shown an increase in annual overdraft fees collected.

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 2018-03-22 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: Nelnet, Inc.
State: IL

Complaint narrative:
Took what I thought was a private loan from XXXX XXXX  out in 2006. The college recommended XXXX XXXX. My credit report now show Nelnet as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate.

Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a XXXX XXXX   loan with XXXX Nelnet or XXXX. My college recommended XXXX XXXX for a XXXX XXXX dollar personal loan. I have graduated and can not find a job, I would like to have this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have mortgage from Bank of America for my home. I purchased home ( in XX/XX/XXXX ) of {$200000.00}. I took mortgage of {$180000.00} ( 11 % ). Thus, I have PMI insurance on mortgage. My current principal balance on mortgage is {$150000.00} which is 74.6 % LTV ratio. When I called Bofa for first time to request cancel PMI ( principal balance {$160000.00} ) they told me my LTV ratio of mortgage need to be lower than 78 % and I need to do home valuation report but if I have principal balance less then 75 % then I don't need home valuation. At that time my LTV ratio was 78.28 %. Thus, I deposit more money towards principal and I request again for canceling my PMI at {$150000.00} ( principal balance ) which is 74.6 % LTV ratio.

At this time, Bofa stating they can not cancel my PMI until XX/XX/XXXX year because that was the date loan supposed to be at 78 % according to amortization schedule. According to Federal law I am eligible to cancel my PMI, once it is less then 78 %. I have continuously make regular payment and deposit more each month towards principal. It's becoming racket by Bofa. Each time I am getting different response by Bofa to decline my request.

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 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: PA

Complaint narrative:
I disputed this debt to this company asking the company to provide me with viable evidence bearing my signature showing that i have a contractual obligation to pay them.And the did not provide me with nothing with my signature connecting me with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: LA

Complaint narrative:
A letter requesting validation of the debt that this company claims is owed to them was mailed to them certified mail on XX/XX/XXXX and received by them on XX/XX/XXXX. The letter specifically requested that the company VALIDATE the alleged debt by sending proof that the debt belonged to me as I have NO knowledge of this debt. The letter requested that Optimum Outcomes send a copy of all statements from the original creditor, as well as any signed agreement between myself and the creditor which would show proof that the debt is owed. Optimum Outcomes simply sent a letter in response that in NO way validates that this debt belongs to me. I have attached both the letter that was sent to them as well as their response. Since this debt has NOT been validated as requested, I want this removed from my credit report immediately. If this debt is not removed I will move forward with contact my attorney about the lack of proof that the debt belongs to me as well as the fact that the company continued to contact me by phone leaving voicemails AFTER the validation letter was received which requested all communication be done in writing which is also a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: RFNA, LP
State: SC

Complaint narrative:
My complaint is that i owe XXXX XXXX money from a loan that i refinanced. I was late on a payment and they contacted me and i explained .the reason for me being late .i ask if i could work something out with them about the payments. A lady named XXXX said yea sure i just need to get a full payment now. I said thats the problem i cant pay a full payment now. So i told her i will try my best to pay it by friday. She called me friday and ask if i was going to pay. I told her i still cant pay full amount. She got rude and told me i owe the money so pay it. The following monday they contacted my employer asking to speak to me. Concerning a debt. I owe. I was brought in to the office embarrassed. And was ask to contact XXXX XXXX about my debt. And was told not to let a debt collocter call about my finances. Ive tryed to work this out with them cause i do owe the money but they shouldn't use low embarrassing tactics to get me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: GA

Complaint narrative:
Disputed inquiries on credit report and credit bureau responded without addressing my concerns. Sent a form letter explaining how inquiries on report, however verification nor deletion was done as requested. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I recieved a notification in the via XXXX XXXX saying I have collection. 
I never any mail correspondence from the XXXX. 
They say they used a previous address, however, I had moved and have all mail forward to my XXXX XXXX XXXX I've had for 6 years as well as receiving many mail correspondence from other bills without incident. For some reason I never received any forwarded bills from XXXX. 

No contract was made to me to collect debt My address was forwarded I was never called about debt XXXX XX/XX/XXXX XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX ( hospital bill org )

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 2018-03-22 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: MA

Complaint narrative:
On Tuesday XX/XX/XXXX I was alerted by my husband that all of our funds from the joint checking account which I am not the primary account holder was missing over {$400.00} that was auto transferred to another account. I immediately logged into my online account and noticed that Bank of America decided to cover a charge from XXXX that was not authorized and saw a long line of fees that the bank was trying to charge me. I was already in the works of disputing other XXXX charges and was not alerted of this transaction. I have called multiple times to get this resolved to no avail. either I am put on hold for long wait times or am told that the account is set up with overdraft protection, which it is not because I have logged in and saw that was false information by the .customer rep. The two accounts are not linked and now I am without money for my child 's daycare because someone at BOA decided they were going to make a deposit on my behalf.

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 2018-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: WI

Complaint narrative:
I received 2 phones from XXXX XXXX XXXX telling me I owe accrued fees from a US bank account from XX/XX/XXXX. I asked for letter of disclosure of all information and was told they mailed it to old addresses, I gave new addresses and was told on XX/XX/XXXX that XXXX doesnt mail through XXXX mail but will email me information. I expressed that I received a class action check 5 years ago for XXXX bank fees they overcharged customers. XXXX stated I owe {$730.00} for past accrued fees on a deposit account. Again I said send me the infringe detail. He refused. I did contact attorney in XXXXXXXX Wi advice was file complaint.

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 2018-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX is reporting my mortgage account XXXX paid 90 days late in XXXX of 2017, the money was taken directly out of my bank account each and every month prior. I attempted to start a refinance on more than one occasion and this error is preventing me from refinancing. They took over the servicing in XXXX of 2017 and I've had headaches ever since. I have attempted on multiple occasions to have them correct this error. They have always received the principal and interest payments and should not have reported my payments late. My credit is now being ruined because of these late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX closed my lowes card because my credit score dropped some. I paid my bill early every month. Then they mess with my credit with my walmart card lowered my limit. I pay early and mpre then bill. They are messing with my credit score now that they keep checking my credit. Its not right.

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 2018-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I had 2 checking accounts open with US Bank XXXX, IL branch in the XXXX store. After time, the accounts were charged fees for being open ( without knowledge ) but they did notify me through mail unnoticed by me. The real issue is they opened lines of credit without my permission and transferred the monthly fees to the lines of credit. As soon as I noticed ( months later ), I talked to the branch manager and told him I wanted to close my accounts. He told me he was removing the monthly fees off my account. I agreed to pay fifty something dollars to clear the lines of credit because he said he couldn't take it all off. Months later the lines of credit had balances again. I went in to see the branch manager about 8 times to resolve the issue, called numerous times to numberous departments in us bank. Most of the customer service departments were sympathetic but said they couldn't help, but that the branch manager could help. The branch manager said that was not accurate and he had no knowledge of any way he could remove it. At one point he said I could pay a hundred something dollars to clear off and provide me with a written document stating payment in full but could not verify if it was for both accounts. The amount currently being reported each month as charged off is XXXX and XXXX. I have requested records to show I signed up for the line of credit or for some sort of overdraft I personally did and twice they have only showed me records showing the fees. I have paid all my other debts, including more than {$10000.00} in credit card debt to us bank. The negative credit is impacting me more than {$370.00} worth, but I find it too offensive to pay when it's all a fraud and poor customer service on their part.

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 2018-03-22 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: PA

Complaint narrative:
XXXX 's acct # XXXX date:XX/XX/XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX XXXX XXXX XXXX acct # XXXX date:XX/XX/XXXX I have disputed these acct 's to the credit bureau 's informing them again & again that I have not ever had theses accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: IL

Complaint narrative:
Took what I thought was a private loan from XXXX XXXX out in 2006. The college recommended XXXX XXXX. My credit report now show XXXX as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate. 
Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a XXXX XXXX loan with XXXX XXXX or XXXX. My college recommended XXXX XXXX for a XXXX XXXX dollar personal loan. I have graduated and can not find a job, I would like to have this removed

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 2018-03-22 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: IL

Complaint narrative:
Took what I thought was a private loan from XXXX XXXX out in 2006. The college recommended XXXX XXXX. My credit report now show XXXX as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate. 
Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a 40 thousand loan with XXXX XXXX or XXXX. My college recommended XXXX XXXX for a 20 thousand dollar personal loan. I have graduated and can not find a job, I would like to have this removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Took what I thought was a private loan from XXXX XXXX out in 2006. The college recommended XXXX XXXX. My credit report now show XXXX as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate. 
Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a XXXX XXXX loan with XXXX XXXX or XXXX. My college recommended XXXX XXXX for a XXXX XXXX dollar personal loan. I have graduated and can not find a job, I would like to have this removed

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 2018-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2018I bring a TAX REFUND CHECK and give a CAPITAL ONE BANK tailor at following address XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. 
Because in heavy snow a check was wet. A tailor XXXX XXXX put a check in a check in a check riding machine and check was shrined for a small pieces. 
I am not shore now which way Capital One bank process this check and who first this happen. 
Check was amount XXXX dollars and issue from New Jersey Department of Treasure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: Selene Finance LP
State: TX

Complaint narrative:
I experienced damage from the hurricane Harvey, and was denied coverage from the insurance company. I requested assistance from my mortgage company to assist me with payments as I repaired my home. I entered into a 4 month trial modification. I was not informed that they would be reporting me 30 days late to the credit bureaus. I have never been late on my account with the mortgage company. I have disputed the late reporting with the bureaus, and mortgage company to no avail. There is no where in the agreement that states that as I am in the trial payment to gain assistance that they will report late on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient Is reporting XXXX loans on my credit report. XXXX of which have the same account number XX/XX/XXXX XXXX XXXX balance at {$5300.00} and XXXX at {$3700.00} XX/XX/XXXX XXXX has a balance of {$2100.00} XX/XX/XXXX XXXX has a balance of {$940.00}. 
I am trying to buy a house and the mortgage company shows XXXX loan reports on my account with a payment of {$130.00} per loan. Its only XXXX payment for the whole totaled loan of {$12000.00}. So the mortgage companies see it as me paying XXXX $ per loan adding up to XXXX $ total. This throws off my debt to income ratio and messes up my mortgage rates. This needs to be fixed as Im only making one payment. Or it should break down the payment to reflect each loan.

Company response to consumer: Closed with explanation