vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I wrote a Check to XXXX XXXX for {$600.00}. It's a preschool. They have a small box to drop the checks. I dropped my check on the box.

The next day, I see that the amount has been deducted from my account but XXXX XXXX claimed that they never received it.

From my online account, I was able to see that someone signed on the back of the check and encashed it.

My bank is XXXX. I filed a Forgery claim with XXXX on XX/XX/XXXX.

I got the affidavit signed by myself and also from the Manager of XXXX XXXX.

I got a response back and this time it includes a response from Well Fargo asking me to get a notarized payee affidavit from XXXX XXXX. I checked with XXXX XXXX and they said they can give a letter with their letter head and but won't go the extra mile to get a notarized affidavit, which business does.

I don't have any options.

I wrote a check to XXXX XXXX. Somebody stole the check from them and encashed it in Well Fargo. Wells Fargo as a bank should not have allowed a check to be encashed which is written to a business. Based on my conversation with the officials in XXXX, Wells Fargo gave cash to someone who encashed the check.

Both the banks are leaving me optionless and CFPB is my last resort. Pls help 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 explanation
Consumer complaint received 2018-05-09 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: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
When I pulled the credit report there was an authorized hard inquiry that I haven't authorized anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
They closed this account ( ending in XXXX ) in XX/XX/XXXX, I completed paying it off in XX/XX/XXXX. right now there is a Credit balance of {$9.00}.

I had set up auto pay on their ( Bank of America ) website, and in XX/XX/XXXX of XX/XX/XXXX I was no longer allowed access to my account there.

I called to have them stop the Auto pay, since I had paid off the account, and was told then they would. They didn't ... ..

I called again in XX/XX/XXXX to again have them shut off the Auto pay, I was then informed that I needed to go to the Bank I had set it up with to have it shut off. I told them that it was on their website, and they are the Bank I set it up with. I was then told to log into my account and shut it off, I explained that I don't have access to my account on line, and I needed them to shut it off. I was transfered to IT, and was told that the account had been closed back in XX/XX/XXXX, and that is why I don't have access to it. I told them that the Auto Pay needed shut off, he said he had access to it, and will do it for me right then.

In XX/XX/XXXX I had to call again to get them to shut off the Auto Pay, they said they couldn't and I would have to go to the bank I set it up with again.

I went to my Bank that the Auto Pay is being charged to, and filled out the Stop Payment for Bank of America, and paid the {$45.00} to have it done.

I keep getting letters from BOA that the payment had not gone through. and emails about my account having a {$9.00} surplus.

And again this month they still tried to take money they aren't entitled to through and Auto Pay they won't shut off.

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 2018-05-09 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: U.S. BANCORP
State: HI

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX - 2 separate payments were made from my bank account to my XXXX XXXX credit card account. I have been an account holder since XX/XX/XXXX and have never been late on payments. I had automatic payments set up for {$100.00} per month to come out on XX/XX/XXXX, but due to the recent decision to purchase a house I wanted to pay off my balance in full on XX/XX/XXXX - I submitted another transaction to pay off the total amount. I received payment confirmation and logged back into my account on XXXX 's website 2 days later - I saw that my payment was made and the balance was at {$0.00} - I actually had a {$100.00} credit on my account. I received my XX/XX/XXXX statement in the mail which also reflected the payments, showing I had a {$100.00} credit on my account. On XX/XX/XXXX, I received a notice in the mail from XXXX stating that my credit card was 30 days past due and my credit limit was being reduced. I was extremely confused and called XXXX, they stated to submit information to them in writing - which I did and I received a letter in the mail that stated the previously reported information was correct and to submit a dispute to the bureaus to dispute and they were unwilling to help me. I submitted information to all three bureaus and received confirmation from XXXX  and XXXX   that the late payment was removed from my report - but did not hear back from XXXX, and when I reviewed my credit from XXXX ( a XXXX credit monitoring website ) it appears that the late payment is still being reported. I am looking to get this resolved - XXXX has provided unclear and conflicting information to me about my account and payment and I feel that I should not be penalized for this mistake.

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 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
XXXX, XXXX posted the debt of XXXX originating from XXXX XXXX. The debt was removed from all reports in XX/XX/2018. XXXX then resold to Diversified Consultants who assumed the new right to collect.

Diversified Consultants posted a collection to both my XXXX  and XXXX  credit reports for a debt of XXXX. The positing states this is an active collection opened XX/XX/18. No verification of debt was received 60 days after the negative posting.My address is well known and I should have received notification validating the debt and active collection attempt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Last week I tried to get my yearly credit report and was not able to get my report from transunion and XXXX. I answered all security questions and still no report called the number that was provided no help there

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 2018-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
RE : XXXX partial account # XXXX XXXX XXXX XXXX has deliberately manipulated records, particularly the date of last activity and misrepresented this account in a scheme to blackmail me into paying them over {$1300.00}. 

The above mentioned account is an old Capital One credit card which was closed due to fraud back in XX/XX/XXXX with the date of last activity of XX/XX/XXXX of XX/XX/XXXX. Michigan Statute of limitations to collect on this type of debt is 6 years. This debt is now over 8 years old. 

I have written XXXX XXXX twice requesting all records and accounting on this alleged debt and informed them this debt does not belong to me. My most recent letter was dated XX/XX/XXXX. 

XXXX XXXX has refused to provide those records and alternately become more aggressive trying to collect. 

I will prove that XXXX XXXX has been engaged in fraud against consumers for years. 
I will prove XXXX XXXX intent is to commit fraud on consumers by willfully manipulating records and refusing to provide consumers with those actual records as part of their long standing scheme to misrepresent facts and mislead the courts, the credit bureaus and consumers for their own profit. 

XXXX XXXX has also provided untruthful statements to XXXX, XXXX & XXXX in a premeditated scheme to manipulate the Credit Bureaus into reporting this unlawful and uncollectable debt to my credit reports. 

These and other willful schemes of XXXX XXXX has caused actual damages to me and my family. I have been turned down for auto loans by XXXX XXXX, XXXX XXXX, XXXX XXXX, Capital One auto finance and XXXX XXXX XXXX on XX/XX/XXXX, my insurance rates have increased by 100 %, I have been turned down for credit with banks and turned down by a landlord. 

I am filing a small claims suit because it is the fastest way to get a court hearing. Otherwise, I would be filing a civil claim in State and/or Federal court. 

Through my research, it seems XXXX XXXX has a history of manipulating records and attempting to collect on debts they have no legal right to collect. 

I have requested records of this debt and XXXX XXXX has refused to provide those records in an attempt to conceal the facts that this account is more than 8 years past since the date of last activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Discovery Systems, LLC
State: IN

Complaint narrative:
On XX/XX/2018 during the early evening I called by a XXXX who left a voicemail. He stated that he was XXXX from ADS and that he was attempting to locate me. Did NOT mention this involved a debt. he went on to say that I had until the next morning to call him at his direct number for they would contact my employer and family members to try to locate me ... obviously not something I want, that's embarrassing and that makes me look bad. I called XXXX direct line that he provided in the voicemail and I requested something validating the debt. He point-blank refused to do so, telling me he had no obligation to do so, claiming that I had received documents in the mail and said that they had sent plenty of emails to me in which they had read receipts of ( which I NEVER received ). I had told him that I did not receive emails and he kept arguing with me and started to raise his voice. He told me that I was going to get my wages garnished at one point.He was literally yelling at me by the time I requested a supervisor, in turn making a snide comment. I have unfortunately fallen on hard times, and have had dealings with debt collectors before ... before good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee.l good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee. I will be reporting this to the FTC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Last week I tried to get my yearly credit report and was not able to get my report from XXXX and experian. I answered all security questions and still no report called the number that was provided no help there

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 2018-05-09 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: HI

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX - 2 separate payments were made from my bank account to my XXXX XXXX credit card account. I have been an account holder since XXXX and have never been late on payments. I had automatic payments set up for {$100.00} per month to come out on XX/XX/XXXX, but due to the recent decision to purchase a house I wanted to pay off my balance in full on XX/XX/XXXX - I submitted another transaction to pay off the total amount. I received payment confirmation and logged back into my account on XXXX 's website 2 days later - I saw that my payment was made and the balance was at {$0.00} - I actually had a {$100.00} credit on my account. I received my XX/XX/XXXX statement in the mail which also reflected the payments, showing I had a {$100.00} credit on my account. On XX/XX/XXXX, I received a notice in the mail from XXXX stating that my credit card was 30 days past due and my credit limit was being reduced. I was extremely confused and called XXXX, they stated to submit information to them in writing - which I did and I received a letter in the mail that stated the previously reported information was correct and to submit a dispute to the bureaus to dispute and they were unwilling to help me. I submitted information to all three bureaus and received confirmation from XXXX  and XXXX that the late payment was removed from my report - but did not hear back from Transunion, and when I reviewed my credit from XXXX ( a Transunion credit monitoring website ) it appears that the late payment is still being reported. I am looking to get this resolved - XXXX has provided unclear and conflicting information to me about my account and payment and I feel that I should not be penalized for this mistake.

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 2018-05-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mobiloans, LLC
State: IN

Complaint narrative:
On XX/XX/2018 during the early evening I called by a XXXX who left a voicemail. He stated that he was XXXX from XXXX and that he was attempting to locate me. Did NOT mention this involved a debt. he went on to say that I had until the next morning to call him at his direct number for they would contact my employer and family members to try to locate me ... obviously not something I want, that's embarrassing and that makes me look bad. I called XXXX direct line that he provided in the voicemail and I requested something validating the debt. He point-blank refused to do so, telling me he had no obligation to do so, claiming that I had received documents in the mail and said that they had sent plenty of emails to me in which they had read receipts of ( which I NEVER received ). I had told him that I did not receive emails and he kept arguing with me and started to raise his voice. He told me that I was going to get my wages garnished at one point.He was literally yelling at me by the time I requested a supervisor, in turn making a snide comment. I have unfortunately fallen on hard times, and have had dealings with debt collectors before ... before good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee.l good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee. I will be reporting this to the FTC as well.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I spoke to an agent on XX/XX/18, and tried to resolve the account, like this XXXX character advised they would help me do. Offered no type of assistance and refused to set up a payment arrangement or settle the loan, as agreed with this XXXX character, who apparently is a liar, a cheat, fraud. The agent was verbally abusive and disrespectful and refused to assist me and set up a payment arrangement. Would only accept full amount and refused to help. Told me to destroy my credit before they would help me, which is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX I applied for and was approved for the Citi AAdvantage product. I applied based on email offer I received for XXXX bonus miles. On XX/XX/XXXX ( just 2 days later ) I received another personalized offer in my email for the same card but it was for XXXX bonus miles. I waited until i received my card and then called customer service on XX/XX/XXXX and asked to be enrolled in the XXXX bonus miles offer. The offer was valid thru XX/XX/11 and I had only missed it by 2 days so I was certain they would do the right thing and enroll me in the XXXX offer. But they did not. They said the offer i had accepted was what I was stuck with. So, i asked if i can close my account and apply for the new offer. They said I would be ineligible to apply for that card for the next 24 months. 

So, they think i'm valuable enough to offer me XXXX bonus miles, but once they found found out i had been suckered in for XXXX miles already, they don't want to honor the new offer. That is abusive. 
And why send me an offer i can't use? They APPROVED me on XX/XX/XXXX, in real time. They were in a rush to do that. But they are still sending me new solicitations 2 days later .... that i apparently can not use, because I was dumb enough to apply already. That seems unfair. 

I'm asking them to honor an offer they sent to me, personally. Not something i saw on a website, and ii 'm certainly not asking for goodwill. Just honor your offer. 
This is my first product with Citi ( and obviously my last ). What a stupid way to start a customer relationship.

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 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: APPLE RECOVERY, LLC
State: UT

Complaint narrative:
I do not know the person they keep trying to contact. I had this phone number for at least 7 years and I have never know any XXXX XXXX whom they are trying to contact. I did talk to the person who keeps calling and advised them that I am not XXXX XXXX, I do not know who he is or how to contact him. I was advised that they will take my phone number off their list but I continue to receive their calls ( for about a year now )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I was applying for a loan modification and was told to send in documents before 7 business days prior to foreclosure sale date. Documents were sent before the due date and my forms were not reviewed. I only received a denial letter of the modification XX/XX/2018 stating my application was not able to be qualified because they didn't have a complete package. A case manager told me my documents was received on time but not uploaded to my application. The documents was received with an extra day to spare.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: CA

Complaint narrative:
AFNI, Inc posted the debt of XXXX originating from XXXX XXXX. The debt was removed from all reports in XX/XX/2018. AFNI then resold to XXXX XXXX who assumed the new right to collect. 

XXXX XXXX posted a collection to both my XXXX and XXXX   credit reports for a debt of XXXX. The positing states this is an active collection opened XX/XX/18. No verification of debt was received 60 days after the negative posting.My address is well known and I should have received notification validating the debt and active collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I noticed an unauthorized inquiries without my permission from anyone on XX/XX/2017 and XX/XX/2017

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