vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: WI

Complaint narrative:
Complaint Details Within the past month US Bank has incorrectly charged me 13 overdraft fees for a total of {$460.00}. This began because I had placed a stop payment on a check for {$180.00} that US Bank allowed to go through. Since that transaction has gone through I have not been able to recover my account as I am on a tight budget as a single mother of XXXX. Because of these excess fees there is no way for me to get my account back on track and stop the overdraft fees from occurring. I had placed a stop payment on a check amount of {$180.00} that had correctly stopped one attempt at the check, however they allowed the payment to go 2 weeks later, causing my account to go continually into the negative. As a single mother of XXXX I am on a very strict budget so allowing that payment to go through created two weeks of continual overdrafts as most of my bills are set up to come out automatically. I called US Bank on numerous occasions and asked that they not allow transactions to go through if the funds were not there and was told that my account was set up to decline transactions where there was not funds, however this was NOT the case. There is absolutely no way to get my account back into the clear if they are continually charging these excessive fees. I was charged {$36.00} on a {$2.00} transaction. This is beyond excessive. I understand why the overdraft fees are set in place and would understand paying one. But 13? Over one check that should have never cleared in the first place? I have asked for US Bank 's assistance and they have declined

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 2018-11-21 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: GA

Complaint narrative:
I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX from XXXX XXXX and account # XXXX from XXXX XXXX XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: GA

Complaint narrative:
My mortgage company is Selene Finance unfortunately. I have not received a monthly statement from them Since XX/XX/2018. I have called several times and e-mailed their customer service. I have contacted them in one form or another XXXX, XXXX, XXXX and XXXX. They always give me an excuse that they are having technical problems processing statements. I have been sending to their original address my payments/check with a note/account # attached. 
I now have property taxes due that usually get sent to them to put in escrow. I am at wits end! Please Help! Are they breaking the law refusing to send me monthly statements? 

I am not in bankruptcy and have never missed a payment! I am not computer savvy, please tell me where I can seek help. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
Problems with U. S Bank- I own a construction company and bank with US Bank . I have been a customer for less than 1 year. I have been very satisfied with the services until the day I requested to with draw a large amount. I walked into the branch here in XXXX, OH. I was notified by a male MGR. that I wasn't allowed to with draw such a large amount from my own account. I work hard for my money and felt my right was taken away. No explaination was given to me. I then went over the second US Bank and requested to with draw a large amount of money I was told she will have to order it and it will be in a certain day. That day came and I was told I that it wasn't going to be possible. I called customer service and they gave me the run around. On XX/XX/XXXX, at XXXX XXXX  a lady by the name of XXXX XXXX from US bank located at XXXX XXXX XXXX and told me I have 2 choices. Choice number 1- I can pick up my check for the full amount the next day XXXX XXXX and my account will be closed and walk out or choice number 2- my account will be closed and the check will be mailed to me. I was speechless. No explanations was given to me on why my account was closed. I called customer service. They told me no notes were provided that I was talking to XXXX XXXX on how she was going to close my account. I did not show up this morning XX/XX/18 at XXXX XXXX  at that branch. I called customer service to seek for answers. My results were none. My account is now closed and my bank card doesn't work. My account is closed for the fact that I requested to withdraw a large amount. I feel very discriminated and racially profiled. I have check stubs to back my funds up. I will never bank with US Bank. Terrible bank to bank with. I will tell my colleges, family, and friends about my situation, because I don't want what happen to me to them.

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 2018-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In XX/XX/XXXX I settled and closed a credit card with XXXX XXXX  that had a high balance of {$1600.00}. Subsequent to accepting a settlement offer XXXX has been and continues to report a high balance of {$13000.00}. Obviously since this is 12 times the original high balance it is a HUGE negative on my credit reports with all 3 companies ( Transunion, XXXX & XXXX ). I have disputed this many times, sent in copy of the last statement and called to no avail. HELP!! it is just wrong that XXXX is doing this and need your kind assistance to get it corrected. 

Am attaching a copy of the last XXXX statement upon which a settlement was negotiated and also a copy of XXXX dispute results from 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 2018-11-21 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: IN

Complaint narrative:
In XX/XX/XXXX I settled and closed a credit card with XXXX XXXX   that had a high balance of {$1600.00}. Subsequent to accepting a settlement offer XXXX has been and continues to report a high balance of {$13000.00}. Obviously since this is 12 times the original high balance it is a HUGE negative on my credit reports with all 3 companies ( XXXX, XXXX  & Equifax ). I have disputed this many times, sent in copy of the last statement and called to no avail. HELP!! it is just wrong that XXXX is doing this and need your kind assistance to get it corrected. 

Am attaching a copy of the last XXXX statement upon which a settlement was negotiated and also a copy of XXXX dispute results from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I been checking my credit and I have found some late payments in my XXXX XXXX  account # XXXX from XXXX XXXX and account # XXXX from XXXX XXXX XXXX, under FCRA,15 U.S.C 1681 I'm  requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX from XXXX XXXX and account # XXXX from XXXX XXXX XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Financial Credit Service, Inc.
State: AL

Complaint narrative:
Received a call at XXXX XXXX today from a no caller id advising me I was being contacted about a fraud investigation and asked me to call XXXX at XXXX to clear my name. Upon my call and after multiple transfers I was sent to XXXX XXXX whom introduced himself as the general manager. I was informed of an old payday loan that was taken out XX/XX/2016 that was sent to collections due to being return from my bank and I was facing theft by deception along with many other criminal charges and would be arrested under Alabama title 12 if I didn't pay the check amount of {$580.00} plus attorney fees bringing the total due to {$3900.00}. I explained to Mr. XXXX I was unaware of the check he was referring to, not denying but needed further clarification or information prior to any commitment I was willing to make beings I have not received any collection notices from anyone regarding this debt. I was informed by Mr. XXXX that this was not a collection agency but a3rd party criminal investigation company trying to verify my address to issue warrants. However since Mr. XXXX became hostile with his threats of jail time and his non compliance with providing me with information on said debt and Mr. XXXX denying my request to be transferred to someone higher than him, I hung up on him after a XXXX  min XXXX  second conversation. Something needs to be done with this company, Debt collection is a civil matter & it is against the law for debtors to threaten criminal action for non payment of a debt under Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Disputed this account on all three credit bureaus and asked for validation ... .not address verification. Asked for chain of title if account was purchased from another country. Asked for " itemized '' breakdown of all charges, interest, fees, penalties that result in the alleged amount owed. I received nothing back from them except a XXXX bill that clearly does not show any of this. And also proves that I DO NOT have an account or obligation to Diversified Consultants. I asked that this be removed from all 3 major credit bureaus and all collection attempts be ceased. 

In attachment labeled " Diversified Consultants 2nd Response '' they sent a letter to my father XXXX XXXX. Not sure why they would involve him in this matter. But they are doing any and everything to NOT VALIDATE this debt and show where I owe Diversified consultants and NOT XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: MD

Complaint narrative:
I SEND {$220.00} to one of my family member in the XXXX XXXX on monday XX/XX/19 using the express service, i called Remitly 5 times to ask them why my money still frozen on their system, they told me that they will take care that problem in 4 hours on monday XX/XX/19, i called back again and they told me that the other parnert need a Id from my recipient and i did send it to them but no answers, my money still frozen in they system, i called them back again and they told me that they will contact their parnert again to see happens, no but answer yet. today is wednesday XX/XX/XXXXand no no call from remitly, no call from XXXX XXXX no email from nobody about my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX it was reported that an late payment occurred on my XXXX XXXX  account from XX/XX/XXXX. I called XXXX XXXX and was advised to reach out to all three ( 3 ) credit bureaus XXXX, Equifax and XXXX. After reaching out to the credit bureaus, asking them to investigate I would only receive auto generated response stating my account was updated. No investigation was performed, no validation of my account being past due NOTHING. Just auto generated response. Attached is my bank statement, reflecting payment being made through XXXX XXXX on XX/XX/XXXX in the amount of {$430.00}. My due date was the XXXX of each month occurring late charges after the XXXX. Account past 30 days would be AFTER the XXXX of the following month. My payment was submitted On time with XXXX XXXX  through their 3rd party collection by phone on the XX/XX/XXXX. Please see my attached bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX it was reported that an late payment occurred on my XXXX XXXX  account from XX/XX/XXXX. I called XXXX XXXX  and was advised to reach out to all three ( 3 ) credit bureaus XXXX, XXXX  and Experian. After reaching out to the credit bureaus, asking them to investigate I would only receive auto generated response stating my account was updated. No investigation was performed, no validation of my account being past due NOTHING. Just auto generated response. Attached is my bank statement, reflecting payment being made through XXXX XXXX on XX/XX/XXXX in the amount of {$430.00}. My due date was the XXXX of each month occurring late charges after the XXXX. Account past 30 days would be AFTER the XXXX of the following month. My payment was submitted On time with XXXX XXXX through their 3rd party collection by phone on the XX/XX/XXXX. Please see my attached bank statement.

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 2018-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
As of XX/XX/2018 an unauthorized transaction took place, my account was debited XXXX by Portfolio Recovery. Prior to this transaction I made an payment of XXXX on XX/XX/2018, during  this call I was asked by the CSR did I want my next payment automatically debited I replied no I would call in for my next payment, but low and behold they went into my account and took the payment unauthorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Brelvis Consulting, LLC
State: IL

Complaint narrative:
On XXXX XXXX I began correspondence with XXXX XXXX   XXXX   from XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX to try and reconcile a defaulted student loan that was in collection with wage garnishment. The contract was for {$1100.00} to be paid over 3 months all the while wages were still being tarnished. Also, to finalize this contract I had to provide XXXX XXXX XXXX  with my log in information for the US Dept of Ed. By the end of XXXX I still had not heard from XXXX XXXX XXXX  and further action they would be taking on my behalf and my wages were still being tarnished. Finally on XX/XX/XXXX I received an email from XXXX XXXX requesting extensive personal information. It was at this point I began questioning the validity of the company because w the requested information along with my US Dept of Ed log in information this company would have adsolutely all my personal information. I was very uneasy with this so I requested a refund for the {$1100.00} since XXXX XXXX XXXX has taken no action and my wage garnishment was still continuing. I spoke with XXXX XXXX from XXXX XXXX XXXX  in XX/XX/XXXX and he denied my request for a refund. After numerous phone calls back and forth I was told by XXXX that I would be receiving a check in the mail in 5-7 business days. After the 7 business days I had still not received a check so I called XXXX XXXX back and was told I would not be getting a refund. He stated I would have to have my bank call and disput the charges. When my bank called and spoke ton XXXX XXXX he told them they would have to do a charge back. This was not possible for my bank to do since these transactions no longer qualified for a charge back. At this point XXXX XXXX refused to work with me any further. All I would like is a refund of my money collected for services that were never provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Chase Savings account had the following unauthorized XXXX transfers : XX/XX/XXXX - {$0.00} ( authorization transfer per security feature of XXXX ) XX/XX/XXXX - {$400.00} ( XXXX XXXX ) XX/XX/XXXX - {$1.00} ( authorization transfer per security feature of XXXX ) XX/XX/XXXX - {$260.00} XXXX instant transfer XX/XX/XXXX - {$400.00} XXXX instant transfer XX/XX/XXXX - {$400.00} XXXX instant transfer XX/XX/XXXX - {$300.00} XXXX instant transfer XX/XX/XXXX - {$490.00} XXXX XXXX transfer XX/XX/XXXX - {$560.00} XXXX XXXX transfer XX/XX/XXXX - {$480.00} XXXX Instant transfer I notified the bank of the unauthorized activity on XX/XX/XXXX, initially {$2100.00} of the charges were reversed by Chase. However, they changed this decision and later only refunded {$1000.00} of the total {$3300.00} ( reversing the transactions from XX/XX/XXXX and XX/XX/XXXX but not the transaction from XX/XX/XXXX ). Despite several appeals and the willingness of XXXX to reverse all of the transactions per several conversation with XXXX, Chase refuse to request ACH transfers for the remaining transactions leaving me with a theft loss of {$2200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have previously asked that this account be validated that I owe it by ProCollect way back on XX/XX/2018. 
They have yet to do this. 
They sent me a suspect " copy '' of an alleged lease that they are claiming I owe. 
The lease is to " XXXX XXXX '' apartments. What this has to do with ProCollect is a mystery to me. Unless Procollect is a subsidiary of XXXX XXXX this does not show that I owe Procollect anything. 

I've attempted to get validation through all three credit bureaus at least twice and they refuse to validate or remove from my credit reports violating my FCRA rights. 
I will be filing a complaint with the XXXX and FCC office along with this. 

Secondly I was NEVER notified of such alleged debt nor that I had the ability or right to dispute it within 30 days. I'm asking for proof that the notice was sent to me at a legitimate address of mine. 

I have attached the original letter sent to Procollect and date along with a dispute to XXXX credit bureau.

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 2018-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: KS

Complaint narrative:
On XX/XX/2018 we closed on XXXX XXXX XXXX XXXX XXXX KS XXXX which paid off the mortgage to Ditech Financial LLC account # XXXX. However, Ditech never refunded the escrow amount of {$440.00}. I have sent emailsXX/XX/2018 and XX/XX/208 and made phone calls XX/XX/2018,XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 with a promise the amount would be refunded but it never has been refunded. Ditech Financial LLC., XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief