vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: AL

Complaint narrative:
Regarding that doesn't mean that I am only person in this world goes to this places so that is nor accurate enough and it doesn't matter my account was closed so I am move my money back and any funds owe to me on open dispute I want. I am contacting further people bc my account closed based off of my complaint I know it Show quoted text No I am fine with that but this is not the last I will seek legal action because this is a country where millions of people go to the same place or can go to the same place. I am really glad you did it the way you did because I have my team already ready this company is a joke and several people file cases against you off the same thing you are doing to me but I will have my money put in more trusted bank. you send the letter after you close my account which make no sense but you was corresponding to me and the other money deposit. so you onkly close it make you look good and the war will be on. I have bank with this company over 6 years and haven't been risk factor in 6 years so this is XXXX. 
Show quoted text as long as my tax returns and my checks coming to this account wasn't no small money either so miss me with the risk factor the risk factor is you Show quoted text

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 2018-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Harley Davidson Financial Services Inc
State: TN

Complaint narrative:
I continue to receive harassing calls from Harley Davidson financial. The have called twice today. Continue to threaten repossession. Continue to be little me. Called at XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I initiated a balance transfer upon an offer for a better rate thru XXXX in the amount of {$500.00} on XX/XX/2018. The transfer went to Capital One Installment Loans for the servicing of my Kohl 's charge ( where the payment was to post ). The payment has not posted to my Kohl 's account. I have received researched info from XXXX including a trace number and an address, explaining to me that I would have to pursue the transaction further on my own. I then contacted Capital One and Kohl 's by telephone and was informed that their research department does not accept telephone calls, but was offered a fax and an address. I sent both. Kohl 's response was basically " We were unable to locate your payment, Refer to your most recent statement for the due date and amount. Please consider this the final resolution to your inquiry ''. 

I have not yet received a response from Capital One Installment Loans.. I was able to provide the transaction information from the transfer and the amount was over {$500.00}. It seems that I need some better form of recourse. 

Kind Regards, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I check all of my accounts with Citibank every morning. If my checking account is low, then I transfer money from my savings account. Unfortunately, Citibank has a habit of posting ACH debits at the close of the business day ( around XXXXXXXX XXXX  ) rather than first thing in the morning. If my account is overdrawn, then at midnight they will transfer money from XXXX XXXX ( overdraft protection ) into my checking account and charge me {$10.00}. That gives me only seven hours to transfer money from my savings account. 

I have spoken to many representatives and supervisors at Citibank about this issue. They repeatedly tell me that Citibank does not intentionally post ACH debits at the close of each business day. I am told that the ACH debits post at the time that they are presented to the bank and that it just so happens that all of them happen at XXXXXXXX XXXX every day! That's absolutely ridiculous. 

This has cost me many {$10.00} fees, interest on XXXX XXXX ( even though I immediately pay the XXXX XXXX in the morning ). Recently, XXXX XXXX transferred money into my checking account, creating a balance owned in my XXXX XXXX. That same day ( even though I paid it ) Citibank reported that I owed a balance to the credit bureaus and my excellent credit score ( over 800 ) dropped by 20 or 30 points! I was incredulous! 

I believe that Citibank has a practice of posting ACH debits at the end of the business day rather than at the beginning of the business day in an attempt to charge more fees to customers. I believe that this practice is deceitful.

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 2018-03-14 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A request was submitted to Capital One asking for a goodwill removal of a 30 day late payment. I believe this company is being " unreasonable '', I offered to submit pertinent documentation as to why I was late ( medical reasons-XXXX ), the response given to me is unacceptable, Capital One cited the FCRA will not allow them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Dear CFPB, Could you please help me to negotiate the amount of this collection with the creditor? I called them but they were not willing to negotiate with me. I would like to pay them as soon as possible. 

Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc.
State: CA

Complaint narrative:
Merchants & Medical Credit Corporation ( " Merchants '' ) is attempting to collect {$310.00} for an invalid medical debt. Merchants is the debt collector for XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) who provided emergency ambulance services to me on XX/XX/XXXX. My health insurance reimbursed XXXX XXXX {$690.00} pursuant to my medical insurance policy and the insurance 's reimbursement process. I was never notified by XXXX XXXX or anyone else that further money was needed until a negative collection report was reported on my credit report by Merchants. 

On XX/XX/XXXX, I sent a letter to Merchants by certified mail ( acknowledged and signed for by a Merchants representative ). Merchants has not responded. In my letter ( see attached ), I made several points : 1 ) The {$310.00} was invalid because Merchants was engaging in balance billing, a practice prohibited by California law ( XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) ) ; 2 ) Merchants likely violated my due process rights by violating the Fair Debt Collections Practices Act Section 809 ( a ) s requirements for written notices ; and 3 )  Merchants changed billing statements from the incorrect city ( XXXX XXXX ) to the correct city ( XXXX ), presumably to create the appearance that they had provided adequate notice. 

To date, Merchants has not responded to my letter. Merchants removed the collection account from my credit report but started reporting the collection account again on XX/XX/XXXX. I filed a dispute with XXXX  on XX/XX/XXXX and did not receive a satisfactory dispute response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XX/XX/XXXX - large payment made to Citi Cards to pay off balances XX/XX/XXXX - Citi cards locked my credit card and sent me an payment verification notice XX/XX/XXXX - I called citi card and got my bank ( XXXX ) on line to sort out the hold. 
XX/XX/XXXX - I received a letter from citi card stating my bank XXXX told citi bank that my account at XXXX has insufficient funds. 
XX/XX/XXXX - I called citi card and have my bank XXXX on the phone and verify that that is incorrect. Citi refused to acknowledge the mistake they made and insist on locking out my credit card until payment is verified. 
XX/XX/XXXX - I called citi again and they still have not unlocked my card.

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 2018-03-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Quicken Loans replied on XX/XX/2017 ( letter included ) to a 15 USC 1692g debt validation and U.C.C. 9-210 account /collateral requests and did not produce the collateral or status as required in 14 days. When challenged in Federal court for the same they have not produced the requested data. Quicken is in violation of the Uniformed Commercial Code, FDCP Act and NCDCPA who simply sent a bifurcated promissory note when collateral was requested based U.C.C. 9-210 on the authority of a robo-signed fraudulent assignment. Despite the collection being disputed, they continue in the extortionate collections by communicating non-judicial foreclosure threats with fraudulent documents without any offers or communications to modify. 

QUICKEN LOANS AS SERVICER IS ATTEMPTING TO USE EXTORTIONATE, UNFAIR, AND DECEPTIVE PRACTICES IN VIOLATION OF FEDERAL DEBT COLLECTION PRACTICES AND NORTH CAROLINA DEBT COLLECTION PRACTICES ACT TO FORECLOSURE ON PROPERTY WITH A ROBO-SIGNED FORGED ASSIGNMENT WITH PROBITHED NOTARIAL ACTS. ALL PARTIES ARE MISPRESENTED IN THE INSTRUMENT OMITTING QUICKEN LOANS AFFILIATION AS OFFICERS OF EMPLOYEES WHILE REPRESENTING ANOTHER OFFICER OF ANOTHER ENTITY WITHOUT PHYSICALLY BEING BEFORE A NOTARY IN VIOLATION OF MICHIGAN AND NORTH CAROLINA PUBLIC LAW. THE SAME HAS BEEN REPORTED TO THE ATTORNEY GENERAL AND THE MICHIGAN OFFICE OF THE GREAT SEAL FOR NOTARY CONFLICT OF INTEREST SECTION 55.291 ( 9 ) A notary public shall not take the acknowledgment of a record by or to a bank or other corporation of which he or she is a stockholder, director, officer, or employee, under circumstances where the notary public is named as a party to the record, either individually or as a representative of the bank or other corporation and the notary public is individually a party to the record.

North Carolina Fair Debt Collection Practices Act 58 70 110. Deceptive representation.

North Carolina Fair Debt Collection Practices Act 58 70 95. Threats and coercion. 
No collection agency shall collect or attempt to collect any debt alleged to be due and owing from a consumer by means of any unfair threat, coercion, or attempt to coerce. Such unfair acts include, but are not limited to, the following : Using or threatening to use any illegal means to cause harm to the person, reputation or property of any person ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XX/XX/XXXX I wrote both the Experian Credit Bureau and XXXX XXXX XXXX stating that I have never had a credit Card Card from XXXX  XXXX XXXX, yet my file showed a charge-off on it. I requested a copy of the original application and any charge slip that showed my signature on it for charges made. Since that time I have received nothing but form letters that do not directly answer my needs or questions. 
First response XX/XX/XXXX : Experian says they checked with XXXX XXXX XXXX and their records are correct. 
My Reply XX/XX/XXXX letter to both requesting copies of related charges. 
XXXX reply XX/XX/XXXX : or records indicate we are reporting correctly my response to both XX/XX/XXXX : letter stating no one is responding to my SPECIFIC requests for information. Only getting form letters. 
XX/XX/XXXX Experian sent exact same information that sent XX/XX/XXXX my response XX/XX/XXXX returned letters to both requesting that they read my letter and respond to same my not sending form letter. 
XX/XX/XXXX form letter from Experian XX/XX/XXXX XXXX form letter saying the consider matter closed because they could not investigate it?????? 
XX/XX/XXXX I respond to both giving specific requests and copies of all correspondence. 
XX/XX/XXXX received responses from both this time XXXX wants complete account number for and account that I have claimed for 5 months that I do not have! 
XX/XX/XXXX I respond giving all of the information I have and restating send me all the information you have. I need copy of something I signed. 
XX/XX/XXXX received response ( form letters ) from both. Experian same as before we have contacted XXXX and their records are correct. XXXX  form letter says they checked their records and are reporting correctly. 

As you can see for nearly six months I have been getting no personal responses to my questions. It appears that both are only willing to send form letters and not investigate anything. How is one to get through to them that there may be a problem of some type and that mearly looking at the original application or, XXXX forbid, that is not available, at least look at the relevant charge slips to identify signature and name? 

Neither of these organizations have complied with the Fair Credit Reporting Act or the Fair Debt Collections Protection Act they have simply skirted the issue by trying to drown me in a ton of form letters.

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 2018-03-14 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/2018, I learned via an alert from XXXX   XXXX XXXX that a credit inquiry was made by citi bank. I have not applied for any credit with that organization. As soon as I learned of this unauthorized inquiry I immediately placed a fraud alert with XXXX, XXXX and XXXX. Since I have not applied for credit with them I requested that they remove the inquiry and any future application for credit under my information be verified first. Since this was not initiated by me they are not legally entitled to make an inquiry. I request that they contact the concerned credit bureau ( s ) and remove the unauthorized inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2018-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2018, I sent a letter to XXXX XXXX to have my address updated to my current home, I have asked the company to send me there verification paperwork as to all collection accounts on my credit report and continue not to receive anything from them. If no accurate verification paperwork is presented where I signed please have it deleted off my report. I have asked this for the past seven months and Experian continues to neglect my wishes and keep reporting inaccurate information. XXXX  in less that thirty days complied and with verification deleted every item reported wrongfully on my credit report. AlI I ask is for XXXX XXXX to do the same, evidence will be attached. I can not establish any new credit with all the inaccuracies on my credit report.

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 2018-03-14 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: IL

Complaint narrative:
I have A FRAUD ALERT SET FOR ALL THREE BUREAUS i have for this very reason for fraudulent activity ... ... .. i recently saw a inquiry dated between XX/XX/XXXX/XX/XX/XXXX from XXXX I HAVE NO IDEA WHAT OR WHO THIS IS I HAVE NO KNOWLEDGE OF THIS AND WANT THIS REMOVED FROM MY REPORT AND A NEW REPORT SENT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Yesterday, XX/XX/XXXX, I received a text notice from Wells Fargo that my checking account balance had gone to XXXX  after an unexpected auto-payment from a credit card had posted. 

I went to Wells Fargo 's banking portal to see what had happened to the account, and say that {$160.00} had been auto-transferred from my savings to my checking account, bring the account balance to XXXX AFTER the incoming payment had been paid. 

I manually transferred an ADDITIONAL {$100.00} from checking to savings to bring the account balance up to {$100.00} ( which the account portal reflected, after completion ).

This morning ( XX/XX/XXXX ), I received another XXXX balance message from the bank. I went back to the portal and found that the bank had REDUCED the amount of the overdraft transfer from the previous day by the amount of the manual transfer that I had made, leaving the nominal balance at the end of the day at {$0.00}, despite my actions. 

Then, when an ( expected ) check for {$45.00} came through, they triggered overdraft protection AGAIN ( including an overdraft fee ). 


I spoke to their customer service about this issue, but they refused to waive the overdraft fees from the second day. 

This is predatory behavior, even if the amounts involved are not large. This is functionally equivalent to the charge reordering that banks used to do in the pre-CFPB days : Wells Fargo 's policies and procedures are designed to generate additional overdraft fees. It also means that the transactional activity displayed on their web portal is fictional -- the automatic account transfer shown to have taken place was altered by the bank between the time it was displayed on their banking portal and transactions were applied that evening.

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 2018-03-14 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo Dealer Services has been paid in full, they have added a remark that the account has been closed. The account has been PAID IN FULL. Due to the account being classified as " CLOSED '' this reflects as a negative mark on my credit. This account has been PAID IN FULL, there have not been any late payments, this account should be in GOOD standing, yet Wells Fargo Dealer Services has classified this as a CLOSED account with negative/derogatory status. 
Please CORRECT this on 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 2018-03-14 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: IL

Complaint narrative:
I have A FRAUD ALERT SET FOR ALL THREE BUREAUS i have for this very reason for fraudulent activity ... ... .. i recently saw a inquiry dated between XX/XX/XXXX/XX/XX/XXXX from XXXX I HAVE NO IDEA WHAT OR WHO THIS IS I HAVE NO KNOWLEDGE OF THIS AND WANT THIS REMOVED FROM MY REPORT AND A NEW REPORT SENT

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 2018-03-14 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: IL

Complaint narrative:
I have A FRAUD ALERT SET FOR ALL THREE BUREAUS i have for this very reason for fraudulent activity ... ... .. i recently saw a inquiry dated between XX/XX/XXXX/XX/XX/XXXX from XXXX I HAVE NO IDEA WHAT OR WHO THIS IS I HAVE NO KNOWLEDGE OF THIS AND WANT THIS REMOVED FROM MY REPORT AND A NEW REPORT SENT

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