vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My fiancee and i were the victims of a scam. The gentleman contacted my fiancee from  XXXX . he was going to employ her to watch his daughter. He was sending us a check to get things for his daughter to play with, along with other items. he claimed he was  XXXX  and just moving into our area from somewhere. He sent a check, and we were unable to deposit it for the first day due to banking hours. He demanded we go to the bank deposit the check and give him his money. We then told him we did not want to watch his daughter anymore because of long hours at our current job. I was scared for our lives not knowing what he was capable of. i complied to his demands and deposited the check for  XXXX  into my bank account. Following that he demanded his money so i sent this money via   XXXX   XXXX   from a  XXXX . i sent the   XXXX   XXXX   in two separate transactions each for  XXXX . For a total of  XXXX . I was not aware that this was a scam, and when i caught on it was too late. I called the bank after going to the police, and they said they could not do anything to tell me if the check was fake. The bank asked if i made the transaction via   XXXX   XXXX  . My bank account the next day was in the negatives and he still demanded the other  XXXX  back of his money. I called the bank multiple times and they said there was nothing they could do. He has been calling from numerous numbers saying my name and his supposed name. i need my money back i have bills to pay. That was a lot of money taken out of my account, and the bank is blaming me for it. This is not my fault and i am the victim here. I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
For the last few years, I have noticed an account being reported to the major credit bureaus, like  XXXX  and  XXXX   XXXX , regarding an amount that  Trident Asset Management is   collecting. Apparently it bought a debt  XXXX  it claims I owe, in the amount of {$1600.00}.   Some years ago, when the account was still with  XXXX , I found it showing on my credit report. I had disputed it, explaining I had returned all the leased equipment when I discontinued service. It was removed from my credit. I have disputed this debt multiple times with  Trident  and it remains unchanged.   When the account was reported by  XXXX  years ago, it showed a delinquency date of  XXXX    XXXX  . When I look at my credit report and compare what  Trident  has reported, I see that Trident has re-aged the debt and now reports it as   XXXX   XXXX    , six months later than that reported by  XXXX . The re-aging of this account will invariably result in it remaining on my credit even longer, doing further damage with the wholly inaccurate debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
OVER 45 DAYS AGO I WENT TO APPLY FOR A CAR LOAN AND WAS DENIED -- -- - THEY SAID I HAVE A COLLECTION ACCOUNT ON MY CREDIT. I WAS STUNNED BECAUSE I WAS NOT IN DEBT WITH ANYONE AND I HAD NEVER RECEIVED A COLLECTION NOTICE IN THE MAIL.   I HAVE LIVED AT MY CURRENT RESIDENCE FOR THE PAST 12 YEARS. I ORDE RED A FREE COPY OF MY CREDIT REPORT AND A COMPANY CALLED AARON AGENCY WAS LIST ED ON MY CREDIT. I SENT THEM A LETTER IN THE MAIL BUT STILL HAV ENOT HEARD BACK AND THE ACCOUNT IS STILL ON MY CREDIT.     THE ACCOUNT IS NOT MINE AND THEY HAD NO BUSINESS PUTTING THE ACCOUNT ON MY CREDIT ESPECIALLY WITHOUT SEEING IF THE DEBT WAS MINE, FIRST.

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 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: On-Site Manager, Inc.
State: WA

Complaint narrative:
XXXX   XXXX   XXXX  was evicted by  XXXX  properties in  XXXX . In  XXXX ,  XXXX  's attorney and I reached an agreed order for limited dissemination pursuant to RCW 59.18.367. The order says " tenant screening providers are prohibited from disclosing the existence of this unlawful detainer action in any tenant screening report... " Ms.  XXXX  is living in her car with her  XXXX  minor children because each and every time she applies for a tenancy the report comes back detailing this eviction.     To make matters worse, I can not add her to this complaint as an additional person to send information to because she is homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
This loan company charges way out of control and can not keep making the payments. I have already pay  XXXX  to date. I borrow  XXXX . There interest is  XXXX  which when done would have pay {$3500.00}. Can not the time needed a loan. My fault for not paying attention to the fee or interest amount on the contract or on line. It is expensive way to go. Want others not to be scam into a loan shark at charge way to much for the loan. I could not get a loan from good company and could not borrow from family or friends. There was a family issue that needed to be corrected. I choose badly. I feel this has been pay in full. These loan companies are rip offs. People need to be cautions.

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 2017-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a mail abo ut Cash Rewards for Business MasterCard  from Bank of America offer on  XXXX / XXXX / 2017 . But I got denied after applied.

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 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
previous complaint.    XXXX  Hello, as per previous complaint. I have tried again to get my account unlocked.  Wells Fargo s till insists I go to branch to close it.   I also contacted  XXXX   XXXX  as per last complaint. left message but no callback.     I then asked as advised in previous complaint to just close the accounts over phone but  Wells Fargo  still wants me to go to the branch.   as I have stated I am  XXXX  and am unable to go. They are required to close my account over the phone but insist they do not have to and want me to go to branch and that is only way to close it.   Is this how any company should run a business? This will be my last account with  Wells Fargo . period.     Please have them close my saving account and send me certified check for balance to my address on record..   I am done with this bank.     Thank you,  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 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Apparently, I made a simple error in my bill pay for Bank of America when setting the date for a cell phone payment. I was to be paid direct deposit on   XXXX   XXXX   XXXX    . I mistakenly put the date in to bill pay to pay  XXXX   XXXX   XXXX  as the  XXXX . This is the first time I have ever made an error like this in the bill pay system. As I did not have the money in my account on the  XXXX  because I do not get paid till the  XXXX , this caused an NSF fee of {$35.00}, even though the  XXXX  Bank of America 's computer system automatically tried to pay  XXXX   XXXX   XXXX  again and the payment went through because by then I had been paid. When I learned of this error on my part, I asked BOA if this fee could be waived, and I was told No. I was not given a specific reason, just that this fee refund was declined based on my history at Bank of America and that if the system did not allow the fee refund to be processed, I could not be given the fee back. I asked if I had had a specific NSF fee refunded in the last year or else specifically why I could not be refunded this ridiculously high fee. I was not given one so I am filing this 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 monetary relief
Consumer complaint received 2017-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
To whom  it may concern, I applied Wells Fargo Cash Wise Visa Credit Card from Wells Fargo website  on  XXXX   XXXX  because I saw there is {$200.00} cash back bonus promotion. After I submitted the application and got denial letter saying because I am not a permanent United States resident. And I called customer service and they told me their policy does not allow non-green card holder  or US citizen to open the card. Yes, I am on work visa, not qualified for that. But my compliant is that why they did not mention this as exclusion during the application. There is a citizen status question on the application webpage and I chose alien resident. Why did the system still allow me to submit the application? First, it 's a waste of time. Second, it hurt my credit profile as my credit inquiry increased by doing that. I strongly feel Wells Fargo has violated UDAAP as t hey have not been fully explained their policy to customers.

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 2017-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Received multiple phone calls from  IQ  data international regarding a debt owed from an apartment complex. I have asked for verification of debt, as well as written documentation stating what I owe. Representative states that they have sent multiple letters to my address, which they have not because I have not received on single letter. Advised that I will not pay until the debt is validated and I receive information showing what it I owe as I feel the amount they are asking for is outrageous, and I am not clear exactly what I am being charged for. I refuse to pay for an unvalidated debt over the phone, as I am a victim of identity theft. I need written verification and validation. If this can not not be done in a timely matter, this item needs to be removed from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Hi. My issue is that Comenity Bank has n't reissued the card for my husband that I asked for nor increased my limit. The communication is shotty. I just filed a complaint. Instead of calling like I asked for they say that they can not do anything because there is n't a phone number listed on my credit report. Yes there is. I updated it last week directly through  XXXX . They need to update their systems. Attached to my complaint is my   XXXX   Report that I pulled directly through them with my phone number on it. I requested another card for my husband almost a month ago and I have n't gotten it. I see that they pulled my credit yesterday with my request for a credit limit increase, but no one has picked up that phone and called me. I have already filed a complaint with the BBB. My next step is to file a complaint through whomever regulates them. Is it the  XXXX ? Attorney General 's office. I have a few inquiry 's on my report due to this very issue. I would appreciate someone reaching out to me immediately. I am sure other companies would like our business because we pay our bills on time and we have never been late nor have had a return payment. I look forward to hearing from someone soon.     Please see the attachment in the personal statement section that shows my fraud alert with phone number. The information was updated last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Additionally, I have  a Fraud Victim Alert in p lace with all  XXXX  credit agencies due to being victimized in  XXXX     2016. It is an extended Alert purported to be in place for 7 years ( 5 accordi ng to  XXXX  agency ). I continue to receive Unwanted marketing with pre-approved credit. Experian told me this is not supposed to happen with a  Fraud victim Alert i n place. This has necessitated me to have a locking mailbox as an extra pre-caution, and continues to this day unabated. In fact today I received  XXXX  new catalogs which I did not request. How does this happen? What does the alert do, if not prevent this?

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 2017-04-28 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: GA

Complaint narrative:
I have asked Equifax to conduct a proper investigation about a public record that is reporting on my credit report. I also have requested proof of where they have received the info. They responded that they received the info from a third party company vendor called  XXXX   XXXX . I contacted  XXXX   XXXX   XXXX  of   XXXX   and as of today 's date they do not have any records of Bankruptcy in their files. I submitted proof to Equifax and they come back saying they have verified the public record. This item is a unverifiable public record and should not be reporting on my credit file. I included the letter from  XXXX   XXXX  and the letter from Equifax. How can Equifax say they verified the info and I have proof that the public record is not in  XXXX   XXXX  database.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: AR

Complaint narrative:
My insurance company  (   XXXX  of Arkansas  )  had an internal processing error, which resulted in my, and everyone else insured by this company, policies to not be renewed. These claims were denied due to this error. I eventually had the problem fixed and my policy was then renewed. These collections were inisiated due to no fault of my own. If they would resubmit them to my insurance company the debts  may  be paid. Thank you.

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 2017-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Ditech Loan C o.   Account #  XXXX  Account has been set up for autopay of {$140.00} from my checking account for several years.     On  XXXX / XXXX / 17  ditech debited {$670.00}, the final balance with no notice, even though I spoke to a representative from their company the previous month regarding wording on my bill that says that this is " mortage payoff ''. This loan is not connected to any property I ever owned, even though it shows my old address as " property address '' on the bill.     The attached bill from  XXXX / XXXX / 17 , which I received on  XXXX / XXXX / 17 , does not indicate any payoff intention or additional debits to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Additionally, I have a  Fraud Victim Alert in  place with all  XXXX  credit agencies due to being victimized in  XXXX     2016. It is an extended Alert purported to be in place for 7 years ( 5 according  to  XXXX  agency ). I continue to receive Unwanted marketing with pre-approved credit.  XXXX  told me this is not supposed to happen with  a Fraud victim Alert in   place. This has necessitated me to have a locking mailbox as an extra pre-caution, and continues to this day unabated. In fact today I received  XXXX  new catalogs which I did not request. How does this happen? What does the alert do, if not prevent this?

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 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Additionally, I h ave a Fraud Victim Alert in pl ace with all  XXXX  credit agencies due to being victimized in  XXXX     2016. It is an extended Alert purported to be in place for 7 years ( 5 according  to  XXXX  agency ). I continue to receive Unwanted marketing with pre-approved credit.  XXXX  told me this is not supposed to happen with  a Fraud victim Alert in   place. This has necessitated me to have a locking mailbox as an extra pre-caution, and continues to this day unabated. In fact today I received  XXXX  new catalogs which I did not request. How does this happen? What does the alert do, if not prevent this?

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 2017-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My spouse applied for a credit card w ith Citibank.  She received the account, and used it twice. Days later the account was closed. We received a letter asking that she complete Form  XXXX , attach a copy of the front and back of her social security card and a copy of the letter they sent. They did not explain why they were asking for a copy of the social security card. They stated that she is required to use their special form  XXXX . We instead print a copy of  XXXX   XXXX  from the  XXXX  website and attached it with the social security card and a copy of their letter. When speaking with the fraud department they would not give the full name of the individual I spoke with. Nor would they give me the phone number of full name of their managers. What I do not understand is why are they asking for the social security card? I have applied for many cards, and I was never asked for the card. My wife has a  XXXX  FICO score. The would not provide any detail as to why she is being required to supply her SSA card. Nor would they provide names and phone number to someone that can explain the reason she is being denied. Is she being denied because she is a female  XXXX ? I have never used this reasoning before, lack of providing a reasonable explanation is discriminatory. They change their story each time we spoke to someone on the phone, but what cause me to file this compliant. is they chose not to give an explanation, and then they say some nebulous person made the decision and we have no right to have it explained to us. We are going to send by FAX the exact document they asked for, but if they are doing this to my wife, how many more  XXXX  women are they treating in the same manner? One of their employees had the nerve to say that we asked to cancel the credit card application. I asked for a copy of the recording that will show that my wife or I stated such a thing.

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 2017-04-29 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: LEXISNEXIS
State: GA

Complaint narrative:
I have asked   XXXX   to conduct a proper investigation about a public record that is reporting on my credit report. I also have requested proof of where they have received the info. They responded that they received the info from a third party company vendor called  Lexis Nexis. I contacted Lexis Nexis   XXXX  of   XXXX   and as of today 's date they do not have any records of Bankruptcy in their files. I submitted proof to  XXXX  and they come back saying they have verified the public record. This item is a unverifiable public record and should not be reporting on my credit file. I included the letter from  Lexis Nexis and the letter from  XXXX . How can   XXXX    say they verified the info and I have proof that the public record is not in Lexis Nexis  database.

Company response to consumer: Closed with explanation