vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc.
State: CT

Complaint narrative:
My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a I.C system account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( XXXX ) days of the completion of your investigation.

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 2023-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2023, I accessed my checking account and saw that {$10000.00} was withdrawn. The next two days I received notification from US Bank that {$1000.00} and {$200.00} were respectively withdrawn. I called the XXXX XXXX main branch and spoke with an account rep name XXXX, who verified that a cashier 's check for the remaining balance was sent and he verified my mailing address. 
The week of XX/XX/2023, I received a cashier 's check for {$1000.00}. 
On XX/XX/2023, I called XXXX XXXX XXXX and verified with an online representative that the check for {$10000.00} was not returned to them, the issuer, and my account did not reflect a return deposit. The check is still outstanding. 
On XX/XX/2023, I spoke with an online banker name, XXXX, who claimed to have verified with her manager that the check for {$10000.00} is still being verified. She recommended that I call the local branch and request a cashier 's check for that amount. Well, I called the XXXX XXXX XXXX and spoke with XXXX, the branch manager. He told me that the request for a cashier 's check is " handled by the back office '' and he is " not to intervene '' with that. 

I am stressed over this whole issue not being resolved. Why did US Bank make XXXX separate withdrawals for {$10000.00}, {$1000.00}, and {$200.00}, instead of a single withdrawal for the entire remaining balance. Why didn't I receive a single cashier 's check for {$11000.00}? Why is U S Bank taking till XX/XX/2023, and beyond to verify a check? I made an ATM deposit on XX/XX/2023. Since XX/XX/2023, I am being told that the check has to be verified. 

I am trying to figure out what other legal options to take to get U S Bank to release all of the funds expeditiously to 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 2023-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Ill need to get the exact dates but during 2009, I received a social security XXXX back pay check for a little over {$25000.00}. I used around {$24000.00} to pay off my Wells Fargo Mortgage. I went to my branch with an appointment with the branch manager to ensure there were no snags. 
During the next three months, I kept noticing that the huge amount would go in and out of my checking account and my mortgage had not been paid off. I still made payments. 
After three months, I contacted the XXXX  and filed a complaint. 
Soon after, a WF lady in Iowa called me and helped me finally get my mortgage paid off. 
When I asked her for my interest for having {$24000.00} of my money for three months, she said that would never happen. That its simply my loss. 

I ask for that compounded interest that is owed to this day from that date I deposited the check to this very day. 
It should be a sizeable amount by now and in addition, I deserve a sizeable pay out for emotional duress and hardship due to their gross negligence and thievery. 

Everyone knows they robbed me of what was and is rightfully mine! 
I can locate the amounts and dates.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: NM

Complaint narrative:
Around XX/XX/XXXX, I realized that Fay Servicing had charged me {$8000.00} in " forced '' insurance for my multifamily property at XXXX XXXX XXXX XXXX, XXXX NM XXXX. The charge came on my XXXX bill- but I had missed it. ( For the record, that is XXXX what my insurer is charging. ) I have had insurance in place since I purchased the property in XX/XX/XXXX. In fact, around XX/XX/XXXX, Fay paid the {$3700.00} annual insurance premium via escrow. And again around XX/XX/XXXX, Fay paid the {$3700.00} annual premium via escrow. So they are paying my insurance bill, but also telling me I don't have insurance! 

This is actually the second time that Fay has done this to me- on this property. In each case, it takes me dozens of calls, many hours waiting on the phone, email of documents etc. I speak to someone different every time. Nothing ever seems to happen. They promise they will get back to me but never do. They never, ever attempt to reach out to my insurance company to clear things up. 

The issue seems to me that my property goes under the address XXXX XXXX XXXX, but there are 8 units, all with different addresses ( XXXX XXXX XXXX etc. ) My insurance coverage is for all 8 units - it's very clear if you read beyond the front page. But the people at Fay make no attempt to understand that, and charge me for forced insurance because I " don't have insurance '' for the other units! 

I have been pursuing this since XX/XX/XXXX. Have made numerous calls to Fay ( I have records of all of them ). I've sent them proof of insurance for the last 3 years. 

( If you haven't already, I encourage you to look at the XXXX XXXX for Fay Servicing. I've never seen anything like it. And it makes me so angry that I never 'chose ' them and I can't get rid of them. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
I had XXXX ( aka Charter ) internet/cable service for 9 days in late XXXX XX/XX/2022 and they could never get my cable to work, so I cancelled it. XXXX has a 30 day money back guarantee of satisfaction, so I owe no money for the service itself. I returned several pieces of equipment and have the receipts to prove it. 

In XX/XX/2022, I received a letter from Amsher Collection Services on behalf of XXXX in the amount of {$110.00}. I did not realize I still had a XXXX modem until I received this letter, because the XXXX technician had moved it to a room I never use without my knowing. Upon learning this, I promptly returned the modem on XX/XX/2022 ( receipt attached ). On XX/XX/2022, I sent Amsher a detailed letter with multiple items of evidence attached proving I owed no money to XXXX. I have never received any additional correspondence in any form from Amsher or XXXX, so I naively assumed this meant they had realized their error and it had been taken care of. 

About 3 weeks ago, I noticed my credit score had gone down and was trying to figure out why, as I should have nothing negative on my credit report. Imagine my surprise when Amsher Debt Collection shows up as an unpaid debt of about {$53.00}! This is the only negative on my credit report and it brought down my score quite a bit. I sent a message via a " Dispute your debt '' page on the Amsher site ( https : //www.amsherconsumer.com/im-disputing-this-debt ) and attached the XX/XX/2022 letter and most of the documentation I had sent them back in XX/XX/2022. I have received no response, not even an email confirmation of my submission. A few of the original receipts/proof I had sent with my XX/XX/2022 have since been lost, but I was able to find most of them. The most important items are the receipts showing I returned the equipment- Attachments C, D, E, H and K. I could not find the original ( and only ) letter Amsher sent me in XX/XX/2022, but I am pretty sure they are saying the {$53.00} is primarily for the modem which was not returned until later ( Attachment K shows XXXX got the modem back ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
XX/XX/2023 -- I complete a XXXX card application which is confirmed that day. I never receive this card ; to this day this card has never arrived nor been activated by me. 

XX/XX/2023 -- I receive the following text : " FreeMsg : OneMain Fraud Ctr : # XXXX Case # XXXX Did you attempt {$1000.00} at XXXX XXXX XXXX with card XXXX? Reply YES or No. Opt Out reply STOP '' XX/XX/2023 -- I reply No. 

XX/XX/2023 -- FreeMsg : OneMain Fraud Ctr : Thank you. Your card is temporarily locked. We will call, or you may call XXXX with Case XXXX. 

XX/XX/2023 -- I receive a phone call requesting I pay a bill on this card that I neither received nor activated. I let them know the card was intercepted and activated fraudulently and that I have never received, activated nor used this card. They say they'll look into it and will close down the account. 

XX/XX/2023 -- I receive a phone call stating " my bill is overdue and must be paid. '' Eventually I get to an agent ; again let them know card was activated fraudulently and used for purchases. I request transfer to fraud department. I explain the situation again to fraud department ; they tell me the account was closed successfully ( although it is still showing on my credit report ). They assure me I am not responsible for fraudulent charges, they will remove account from credit reporting and to confirm my email address for an email from their " back office '' which should arrive in 7-10 business days. This email is never received ( I have continued to check spam and junk folders ). 

XX/XX/2023 -- I receive the following text message : " FreeMs : OneMain Fraud Ctr : XXXX Case XXXX Did you attempt {$32.00} at XXXX * XXXX XXXX with card XXXX? Reply YES or NO. Opt Out reply STOP '' Given the card has now been closed for over a month, this final fraud alert should pretty transparently show that the card was activated fraudulently with a fake SSN. 

Considering the slow and incompetent response, OneMain really needs to be accountable for the poor handling of fraud on their cards. This entire account needs to be removed from my credit report as was stated by their own agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
On XX/XX/2023, I paid {$1200.00} towards my student loan and paid it through Ed Financial Services. The amount was deducted from my bank account but until now the payment has not been posted or deducted from my student loan balance. I have submitted bank statement to Ed Financial Services and spoke to their agents for 2 weeks now but until now this issue still hasnt been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I made a payment XX/XX/XXXX for my XXXX payment and capital one walmart credit card said they can't change the date and wanted the minimum payment of {$28.00} for XXXX payment. They received XXXX XX/XX/XXXX for the XXXX payment. I want my payment applied correctly I should not be penalized for paying early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
This company came from nowhere impersonating in the subject of the email : XXXX XXXX XXXX XXXX. Which is a different company. 
Trying to collect something I don't owe in behalf of XXXX without providing any evidence of what's owed, and no evidence, that they can ask for money. 

I believe using false information in communication should be punishable by law. 

Additionally, no information how to ask for evidence of accuracy of their information was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian, XXXX, XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If all this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is reporting the above account as 30-days late in XX/XX/2023 after previously reporting the account as XXXX for XX/XX/2023. I timely sent my payment to the bank, but they never credited the payment. I normally pay online, however, there was a problem with the banks system and the bank would not allow me online access to my account. The website problem has only recently been fixed. Regardless, I mailed the payment in time for the XX/XX/2023 payment. I informed the bank of all of this and expected them to report the account as current in XX/XX/2023.

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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DE

Complaint narrative:
I've had my identity stolen in the past and unauthorized use of my information even while spelling my name incorrectly. There are inquiries that I am not familiar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : OAG CHILD SU Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : OAG CHILD SU Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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