vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I deposited a {$600.00} check from my husband 's XXXX XXXX checking account into my Bank of America checking account using the BOA ATM machine on XX/XX/2018. When I got the receipt, it said there was a two-week hold placed on the check because of the likelihood of it being returned. I have no idea why ; I have deposited my husband 's checks into my account without issues for years. The check cleared his account on XX/XX/XXXX. I have called BOA twice and they refuse to release the hold and insist the funds will not be available until XX/XX/XXXX. I can easily show proof the check has cleared. They told me it is impossible to release the hold while the Connecticut Department of Banking confirmed to me that they have the discretion to release it at any time. So in effect BOA has free use of my {$600.00} for eight days and in the meantime they have bounced at least two items in my account. This should be illegal. If there is proof the check has  cleared they should have to make the funds available. But why should they when they get free use of the money?

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 2018-09-06 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial Service is reporting a {$2700.00} medical bill on my credit as opened in XX/XX/XXXX. This debt is from XX/XX/XXXX and is out of statute in Texas which is 4 years. They are fraudulent reporting it asXX/XX/XXXX. They are a debt buyer. I contacted them in XX/XX/XXXX and it is still being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates has been harassing me about a credit card debt that is about 10 years or older. The debt doesn't even show up on my credit report anymore and the first thing they say when I answer is legally they can't do anything to collect the debt and can not sue me as the statute of limitations has passed. Then they proceed to say that morally I'm obligated to pay a debt I owe. This is just basic business at this point. I '' m not going to pay a debt that they have no legal recourse to collect and can't impact my credit history negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Over a month ago, I e-mailed Navient about incorrect information that was reported to my credit reports. They have not responded, nor have they removed the information that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
this is not a duplicate dispute. I asked the equifax agency to delete a telecommunications collection from my account which violating FDCPA law which is 4 years for all collections. this account is from XX/XX/XXXX. there are 5 different dates appearing on this account and NONE of them are correct and no there information is valid or available. Equifax claims this was verified to be mine as a " credit '' account ... .this is a TELECOMMUNICATION COLLECTION, NOT AN EXTENSION OF CREDIT. date of last activity is inaccurate, it says delinquency first reportedXX/XX/XXXX, date opened XX/XX/XXXX date reportedXX/XX/XXXX and then again it says date of first delinquencyXX/XX/XXXX. None of this is legal nor does it make any sense to me.

This account is damaging : it looks like a credit account, it says collection account, it has re-aged dates and no information at all on anything else. so a XX/XX/XXXX account was delinquent inXX/XX/XXXX and still reported inXX/XX/XXXX? Senseless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My husband and I hold a bank account together. He can not handle finances and has a XXXX  problem. Bank of America let him withdraw funds beyond the amount we have in the account, with a notice that if sufficient funds are not in the account to cover the withdrawal, there will be a {$35.00} charge. He withdraws the funds believing he will have the money to put back in time, but rarely has the ability to do so. In my opinion, Bank of America is engaging in predatory lending as it knows fully well when clients will not be able to repay the amounts. If {$100.00} is withdrawn and not covered the charge is {$35.00}, if another {$100.00}, ( which the bank allows ), another {$35.00}. If the money is not in the bank within 3 days then in this scenario an additional {$35.00} per withdrawal is changed. This is usury. I have asked the bank to not allow these transactions but they continue. If I took out a high cost loan the interest would be a tiny fraction of this Bank 's income producing strategy.

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 2018-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control
State: CA

Complaint narrative:
I filed a complaint # XXXX previously and the complaint was closed because Continental Collection Agency lied and said my insurance company was billed and they denied the service stating I was responsible for the amount owed, and the complaint was a dispute of debt and not appropriate for CFPB. I maintained from the start I did not owe the debt, my insurance was never billed, and this was a mistake on someone's part. I received a copy of the denial from the insurance company and plain as day it states Claim not covered by this payer. The wrong insurance company was billed by XXXX XXXX back in XX/XX/2015. I was finally after many attempts and several notices later from Continental Credit Control able to reach someone at XXXX XXXX to explain they billed the wrong insurance. Continental Credit Control refused to talk to XXXX XXXX about this to verify the debt. Once I was able to get XXXX XXXX  to respond I was pulled out of collections, my insurance was billed, and today I received a check from XXXX XXXX for {$24.00} because I was over charged for my co payment for this date of service. As I explained in one of my complaints to CFPB, I have industry experience and had been in contact with my insurance and was clear I knew what I was talking about. I was getting no cooperation or willingness to try and understand from Continental Credit Control. XXXX XXXX would not return my call. I know Continental Credit Control probably paid a flat fee for a bucket of uncollected claims from XXXX XXXX. Some valid collection cases and some not. It doesn't give them the right to lie when you ( CFPB ) send a complaint to them, or to categorize complaints incorrectly to justify them, or to try and bully people into paying money they might not owe so they can recover their investment for the debt they bought. Attached is a copy of my correct insurance card that XXXX XXXX had from the start, along with copies of all the statements I continued to receive from Continental Credit Control, the insurance denial showing the claim was denied as not covered by this payer so you can see the Continental Credit Control Rep lied in a previous complaint response stating the insurance denied the service as the patients responsibility, and a copy of my refund check once by insurance was billed correctly by XXXX XXXX. Maybe in the future complaints CFPB can require credit agencies to show proof of what they're stating in their response.

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 2018-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had contacted CapitalOne in regards to my credit card being closed without my knowledge, i have a credit limit of {$900.00} {$500.00} of which was used as security. 
I have called numerous times and they say only we will investigate, as of now my credit report shows they closed the account and my credit score has been affected. I do have another credit card that doesn't have a security deposit that has not been closed. 
They know this is some kind of glitch in there system but they have not reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: PA

Complaint narrative:
XX/XX/XXXX -XX/XX/2018, I requested Master Promissory note via phone.

XX/XX/2018- debt verification letter was delivered to alleged servicer of loan Between XXXX - current ASEXXXX   has only provided an application as stated on top of the documented received. XX/XX/2018 - creditor contested on credit report XX/XX/2018 - credit verified name, SSN, DOB & address to remain on credit report.

After of XX/XX/2018 AES has not delivered debt verification letter requirements asking for master promissory note and signature verification for electronic signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 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:
My information was stolen during a burglary in XX/XX/2016 at my home, while I was overseas as a student. As a result my information was fraudulently used to open a number of accounts. This has caused a significant amount of stress as these accounts are reporting to my credit.

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 2018-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: AZ

Complaint narrative:
Direct Recovery Services called last month and then again today. They are callilng for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They left a different number to return their call IMMEDIATELY at XXXX. The number that came up when they called me was XXXX, and when I called that number, I had to leave a message. Last month I told them to stop calling me, that I was not the person they were looking for, whoever that was. I do not owe a debt.

They left an account number on my phone for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number XXXX, various payment amounts with interest, and a ziip code of XXXX, which I believe is in the XXXX US. I live in the XXXX and that is NOT my zip code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove all other XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my Trans Union report  pleas ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2018-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
In XX/XX/XXXX I was approached by a Wells Fargo worker at a county fair who started to talk to me about college and credit and such. When talking to her, she advised that Wells Fargo offers a college credit card that accrues no interest while I am in college. I was excited because that would help me with my financials and my credit score. When I went into the branch, I was verifying what she told me and she said that I would not accrue interest on the credit card while in college again. In XX/XX/XXXX, I found out I was lied too and that interest started to accrue after 6 months. I went into the branch near me and called multiple times. They only reimbursed about {$100.00} and stated nothing else could be done. I believed them. I just found out on XX/XX/XXXX that it is against the law to lie about terms to get people to sign up for bank products and that I was lied to again. I want true repercussions regarding this issue and the lying

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 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My information was stolen during a burglary in XX/XX/2016 at my home, while I was overseas as a student. As a result my information was fraudulently used to open a number of accounts. This has caused a significant amount of stress as these accounts are reporting to my credit.

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 2018-09-06 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
On XX/XX/XXXX I got an email from XXXX XXXX  saying there was a change in my report. So I went and looked and there was a hard inquire from synchrony bank for a paypal extra Mastercard and I didnt apply for any credit card. I called the bank to have them remove it and they wanted my ss number to do it so I didnt want to give it to them and they hong up on me.

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 2018-09-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove all other XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report pleas ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: OH

Complaint narrative:
I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove all other XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report pleas ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2018-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my Trans Union report please remove / delete the the following : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have tried for years to get Wells Fargo Mortgage to help me. 
I have had and paid there different law firms to help me. 
In was wrongfully denied a loan modification and believe that I was a victim of the computer glitch, because I have a good income my wife and I. 
We are very hard working people and we need and want to keep our home. Wells Fargo has been so very hard on us and refuse to work with us. 
They just rushed us off the phone or sent us a denial letter telling us they can not help us save our home there are no more options for us. 

We know that we were wrongfully denied and the attorneys basically robbed us.

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 2018-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX I drove through a drive-Thru atm and deposited {$220.00} ( 1- {$100.00} and 6- {$20.00} bills ) When asked if I would like a receipt I said no and drove off and even left my debit card behind which the bank contacted me about a few days later. Once I got home I checked my balance and to my surprise my cash deposit was not posted to my account. Ive never had any issues making a cash deposit on the atm which is why I didnt bother with a receipt but clearly its not the case anymore. I contacted the bank right away and they opened up a case and concluded they will not crediting my account with MY MONEY I deposited. I spoke to XXXX a telephone banker at US Bank on XX/XX/XXXX at XXXX and she told me she can reopen the claim or reach out to another department via email to find out why the investigation was closed without a credit. Its now XX/XX/XXXXand Ive yet to hear from XXXX  or US Bank about the {$220.00} cash deposit I deposited at the ATM. Please any help would be much appreciated.

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 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My information was stole and as a result this XXXX XXXX XXXX  account was opened in my name. I haven spoken to XXXX XXXX XXXX XXXX and they have explained that this information should not be on my report as it is fraudulent.

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