vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a Fraudulent ATM Withdrawal done on my account for {$500.00} in XXXX, CA which is over 70 miles from my residence in XXXX, CA. The Representative informed me that there were several declined attempts as well, was also informed of declined pin attempts as well as declined transactions after the fact all verifying fraudulent activity. US Bank declined my claim because I didnt file a police report even though video surveillance verified it was not me on camera making withdrawal, and under Regulation E they can not legally require a police report and I can not drive 70 miles to make a police report in XXXX, CA.

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 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: WA

Complaint narrative:
This Monday ( XXXX ), we used ATM to deposit money at U.S. Bank on XXXX XXXX. 
I had my brother run an errand because I was working. 
But machine malfunction did not deposit money, and I did not get the money back. 
My brother went into the bank and asked the clerk while showing him the receipt. 
The bank clerk told my brother that there were several problems like this today. 
It will be deposited in a day. I came home believing that. 

However, there was no change in the bank account the next day ( Tuesday ) morning. 
I called the call center on the receipt, but I couldn't speak to the manager and the call center employee said the money to go in ten days. 


I asked you to deposit the money today because I needed it, but the clerk said no and told me to wait 10 days. 

When I asked a call center clerk if I could speed up the process, I was told that I couldn't guarantee it. 
I was so frustrated that I asked my brother to do me a favor.I asked him to go to the bank for me. 
( Because it was time for me to go. ) But equally from my brother who went to the bank, I couldn't get the answer I wanted. 
The bank employees said they would not be fined if they visit where they should pay ( here and there ) and explain the situation. 

I think it is wrong for them to make a mistake and pass on the damage to customers. 
This problem is worrying and discredited, time-consuming and they have to compensate in any way. 

I waited one day. Believed them, I visited the bank yesterday ( XXXX ) and I trusted them again waiting for another day again. 
Now I can't wait and not just follow them. 
They have to compensate enough and I'll get it about this problem.

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 2018-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I do not believe that my XXXX Credit Card ending in XXXX has ever been late. I question the accuracy of the " late payment '' that has been reported to all three bureaus. Per XXXX XXXX, the late payment posted on XX/XX/XXXX, dropping my score 38 points from XXXX to XXXX, only to disappear the very next day on XX/XX/XXXX, in which my score per XXXX XXXX rose from XXXX back up to XXXX. On XX/XX/XXXX, the late payment reappeared, dropping my score from XXXX to XXXX. Since then, I have attempted to apply for credit and have been negatively affected by this supposed " late payment '' that has appeared, disappeared, and then reappeared. Something is definitely wrong with this account as it has been reported, it has had a negative effect on my ability to get credit from reputable financial institutions, and I request that the account history from all three bureaus be updated to reflect " paid as agreed '' on this account. Please see all my other accounts as a reference to my positive credit behavior, and please help me resolve this potentially invalid information so that my payment history can be accurately and positively reflected.

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 2018-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I do not believe that my XXXX Credit Card ending in XXXX has ever been late. I question the accuracy of the " late payment '' that has been reported to all three bureaus. Per XXXX XXXX, the late payment posted on XX/XX/XXXX, dropping my score 38 points from XXXX to XXXX, only to disappear the very next day on XX/XX/XXXX, in which my score per XXXX XXXX rose from XXXX back up to XXXX. On XX/XX/XXXX, the late payment reappeared, dropping my score from XXXX to XXXX. Since then, I have attempted to apply for credit and have been negatively affected by this supposed " late payment '' that has appeared, disappeared, and then reappeared. Something is definitely wrong with this account as it has been reported, it has had a negative effect on my ability to get credit from reputable financial institutions, and I request that the account history from all three bureaus be updated to reflect " paid as agreed '' on this account. Please see all my other accounts as a reference to my positive credit behavior, and please help me resolve this potentially invalid information so that my payment history can be accurately and positively reflected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I do not believe that my XXXX Credit Card ending in XXXX has ever been late. I question the accuracy of the " late payment '' that has been reported to all three bureaus. Per XXXX XXXX, the late payment posted on XX/XX/XXXX, dropping my score 38 points from XXXX to XXXX, only to disappear the very next day on XX/XX/XXXX, in which my score per XXXX XXXX rose from XXXX back up to XXXX. On XX/XX/XXXX, the late payment reappeared, dropping my score from XXXX to XXXX. Since then, I have attempted to apply for credit and have been negatively affected by this supposed " late payment '' that has appeared, disappeared, and then reappeared. Something is definitely wrong with this account as it has been reported, it has had a negative effect on my ability to get credit from reputable financial institutions, and I request that the account history from all three bureaus be updated to reflect " paid as agreed '' on this account. Please see all my other accounts as a reference to my positive credit behavior, and please help me resolve this potentially invalid information so that my payment history can be accurately and positively reflected.

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 2018-12-13 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: Innovis
State: AL

Complaint narrative:
A miscellaneous company did a hard pull on my credit report, and I have no idea who they are and did not give permission. The name is cbcinnovis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
To Whom This May Concern : I have an account with XXXX XXXX. The manager was reaching out to me to speak about a payment on the account. When she could not contact me during the day, she pulled a report and found my grandfather 's information and contacted him. Information, according to my grandfather 's significant other, was given out in regards to an amount of time the loan could be behind. The manager mentioned, " she has been trying to reach me for over a month. '' Feeling skeptical about the information given to them, I filled out a Cease and Desist letter informing the company they may not contact me or my references over the phone due to the issue. I also stated that any correspondence would need to be provided through the mail. 

On XX/XX/2018, months after the incident, I received a text message about my account on my phone. I contacted the company and informed them of the issue. I was informed by the branch manager that I would need to call home office. When I contacted home office, they insisted in taking my information, to have a manager call me back, even though I mentioned they could not call.

The branch manager at the XXXX location makes people feel intimidated and requires they must stop by the office. She raised her voice with me and insisted on making a payment arrangement when I contacted over the issue of receiving the text message. 

Please feel free to contact me if you need any further information. 

( If more dates are needed, I will gladly provide them XXXX This company should have the Cease and Desist on file, as I physically took it into the XXXX office and watch the manager fax/scan it over. 

Thanks again for your help! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Collection Services, LLC
State: NJ

Complaint narrative:
This so called receivable performance Fraudulent, and Frivolous agency did not send an actual invoice like a monthly invoice of owed debits, I had no contracts with this Fraudulent agency, their validation is copying spread sheets on XXXX of other companies, no actual invoices, they sent an attachment of spread sheet copying channels of tv, it was not a statement, it was not an invoice from the actual company, they copied the XXXX XXXX XXXX logo and posted it on a letter that their scammer signed, he or she never realized how stupid he or she is. 
I had no contracts or signed agreements by me stating that I owe this scam frivolous fraud unheard off misleading scam artists. show me the validation of my signature to your frivolous so called collection company. 
I will be in the process to have my Attorney press charges in the Federal Court against them and collect punitive damages and Attorney fees and more.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
Received notification from credit bureau regarding debt of XXXX from XXXX this was a previous debt that was previously disputed and resolved by Amsher collections and it was verified that the debt did not belong to me and the credit was deleted in XXXX. I have no knowledge of this creditor i was never notified via mail nor phone regarding debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: FL

Complaint narrative:
CFPB, I want to state upfront that this is not a duplicate. This complaint is in RESPONSE to XXXX   Servicing 's response to my previous complaint where in their 'book ' they stated that I, " ... will still be responsible for the loan until a full investigation has been completed and a final determination has been made. '' This company is trying to see me ( veteran, senior, on limited, fixed income ) on the street with nothing to my name when 1 ) This is NOT my loan. NO document has been supplied with MY SIGNATURE on it, and let me be clear in saying my ACTUAL, WET SIGNATURE on an ORIGINAL consumer agreement in its ORIGINAL FORM. 2 ) It is EXTREMELY STRANGE that XXXX  continues to HOUND me with this massive debt instead of FINDING THE ACTUAL ACCOUNT HOLDER!! Who is the person who signed for this loan???! Find THEM! Send THEM bills! 3 ) Cancellation is what is noted as an option in the mail I received in recent months, so I once again -- in addition to all else that's been stated -- request to cancel this loan! I have NOTHING to do with it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX earned income credit qualifying children office address XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX admissions office Attach XXXX XXXX confidence financial letters of posted and post dated Annual XXXX XXXX Qualifying financial errors corrections caused by XXXX XXXX XXXX XXXX Public works political organization concerning Geographic coverage married Joint medicaid and medicare review errors caused by Judge office XXXX XXXX constables commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA. XXXX XXXX XXXX witness by Judge 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 2018-12-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Eastern Revenue, Inc.
State: VA

Complaint narrative:
A debt collection company, Eastern Revenue, submitted a direct consolidation loan application on my behalf without my knowledge. The provided incorrect information to the Department of Education about my employment status and set up an account with the Department of Education on my behalf that I do not have access to. Additionally, they entered me into a payment plan that I did not authorize or was aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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:
Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged CH-XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that Bankruptcy Discharged CH-XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: TX

Complaint narrative:
I contacted Equifax to inform them of errors and inaccurate information on my report. The first contact was XX/XX/2018 with no resolve. The second contact was XX/XX/2018 at which time they resolved some items but not all. The following issues remain on my report still : XXXX  acct # XXXX need to be removed, not mine. XXXX/ XXXX XXXX acct # XXXX. Employer is XXXX   XXXX AND XXXX XXXX and previously XXXX XXXX. I was a victim of identity theft and I want my information reported correctly because these issues are affecting my goals in business ventures. I will pursue this issue until I receive accurate report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Bass & Associates, P.C., Attorneys at Law
State: AR

Complaint narrative:
The complaint is against Bass & Associates a debt collection agency out of XXXX, AZ and XXXX, TX. They are fraudlent and misrepresenting legal debts fees, they harass their customers and go behind customers back and file wage garnishers and sending wage garnishments while their asking for documents, no hearing but they are taking money without giving the customer a chance to set up a payment plan I also disputed some loans and they are trying to garnish my wages, I provided proof of why I did not owe and they sent it behind my back and told me the garnishment would proceed and im going to say it my name is XXXX XXXX and I feel my consumer rights have been violated, im filing for harassment, dishonest business practices, misrepresenting the legal status of a debt, threatnening with lawsuit and wage garnishment, demanding a amount thats not supported by law or the original creditor amount, this is a FDCPA violation. I provided proof of the dispute and they still proceeded with the garnishment without a hearing at a rate of 15 %. These people almost left me homeless. I want this matter taken care of as soon as possible I tried to reach out to them, but it was a slap in the face. After I provided documents I was told it would be a additional 60 days for a hearing while they proceeded with the garnishment, I even faxed paperwork and was told it would be 24-48 hours before it would be looked at. The school closed and I told them that and I disputed the other loans because they were too much for a XXXX XXXX loans totaling {$60000.00} dollars when the original amount was only {$12000.00} for the program. I also explained to them that I have been a victim of identity theft as well and I sent documents they dont care about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I XXXX XXXX XXXX, will be doing a complete restructure of my current debt obligations outside of any bankruptcy filing. There is little hope for me if I continue carrying my current debt obligations unless I negotiate and settle my affairs directly. My biggest debt is with my mortgage, and I believe that I can modify my mortgage and get a forbearance time period so that the additional pressing debt issues are settled and resolved. Accordingly, I am request a modification package be sent to me in my email and/or to my home directly. This modification request will be completed by XX/XX/2019.

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 2018-12-13 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: Conn's, Inc.
State: TX

Complaint narrative:
Conns keep updating my personal information on credit to all credit 3 credit companies. I had insurance on the products that I purchased but the merchandise was destroyed during Harvey ( hurricane ) Conns was notified by me immediately after. They changed it as damage due to natural disaster and put it back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Im in complete shock about this negative item that continues to appear on my credit negatively. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with explanation