vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: SD

Complaint narrative:
On XX/XX/XXXX I discovered a withdrawal of about {$2900.00} from my checking account ending in XXXX labeled Miscellaneous Adjustment Debit - nothing - no indication how or why money had been withdrawn. I have been a customer of US Bank since XX/XX/XXXX and this has never happened before - ever. 

After many calls to US Bank I was referred to a number XXXX - after calling speaking with XXXX I was told their unit had offset funds from a reserve line account which was overdue and now paid and closed. 

The agent advised I had been called in XX/XX/XXXX and had not cooperated with that office. I have one line of credit on which I have a payment agreement with US Bank and on which I have been paying every month for several years. 

US Bank has provided no accounting ; no letter ; no detail and no prior notice. I do not know even whether this unit or office was US Bank or whether any withdrawal was authorized. This out of the blue event will cause me immediate serious problems with paying Medicare ; my mortgage and other serious bills. 

I am familiar with right of offset but US Bank or whoever this is has done nothing to explain why out of the blue this action would have been taken. NEVER has this ever occurred or been mentioned to me before. 

I feel as though someone has stolen money from me. US Bank conduct here is that no one is accountable for any attempt to explain or help. 

I was referred to page 33 of a 50-60 page agreement which I did not have ; follow up with local branch XXXX did not help - they advised they would look into this and gave me the customer agreement of some 50 pages. The representative said page 36 applied but I simply did see how or why - the language read with other language only made the situation more confusing. 

Please assist. I have hit a brick wall.

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 2018-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Its 96 inquires on my credit report that i never applied for and its not fair to me, i am a fraud victim and i want this credit report agency to remove all that off my credit now and rescore my credit .Its keep reappering on credit and i want it off now, this goes back from XX/XX/XXXX to XX/XX/XXXX .This is Fraud ... someone stealing my name applying for stuff in my name

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 2018-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I paid my bill ON TIME, the bank charged a {$27.00} late fee in error. I contacted the bank in writing, ordered them to remove the late fee and never received a response. This ridiculous financial institution deliberately routes all customer issues to a " CALL US '' customer center, which is completely useless to me because I do not do telephone calls and since they do not answer mail in writing, a customer in reality has NO WAY of reaching the bank except via voice telephone. The bank also has NO electronic message system like all other financial institutions.

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 2018-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I went to deposit a check in to my bank account and it was placed on a 7-10 day hold. I went to speak with a bank representative who looked at me as if she didn't care to help me. Then proceeded to tell me that she wouldn't release my funds because she thinks it's fraud due to the fact that I don't keep a high account balance often, I feel that is discrimination towards customers. I felt that she didn't put her best efforts in to help verify the check was real because I was XXXX and felt I was committing some type of bank fraud.

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 2018-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I have already submitted a CFPB Complaint that was " closed. '' Please reference Complaint XXXX. In the " resolution '' Specialize Loan Servicing ( SLS ) acknowledged that they would reimburse me for the tax penalties I had to pay out of pocket ( even though they were responsible for paying my taxes that are escrowed ). Since that resolution, SLS has NOT reimbursed said penalties. Even after multiple follow up phone calls, I have not been reimbursed. This issue has now been on-going for 11 months and is completely unacceptable.

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 2018-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Check Recovery Bureau, Inc.
State: KS

Complaint narrative:
Continues to call even though Ive asked for proof of my debt which they keep telling me they will send but they do not. They even contacted my family and go as far as to ask them personal information about me. The calls are stressing me out and if I block it they call from a different number. Ive already tried to handle this but they will not send me anything in the mail to confirm they just want payment over the phone.

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 2018-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
On XX/XX/18 an alert appeared on my credit file with a collection in the amount of {$5000.00}. I immediately called Amsher as I didn't recognize the debt. I had not received any notice of a debt before it being submitted to the credit agencies. When I reached someone at the company, I was told that the debt was a business debt, and was transferred to their business department. I was told it was a debt from a company I worked for. I explained that the company debt was not my own, and was immediately transferred to a man who stated he was the CEO. 

I asked why I never received a letter about a debt, and how they determined that I was liable for the corporate account? He stated that they are not obligated to send letters nor verify who is responsible. I then asked for his mailing address so that I could send my request in writing. He goes on to say that I needed to " care about my money, I'm responsible, I needed to be quiet and let him speak '' and so on. He also stated that he wanted to make me an offer to settle the debt for approximately {$3000.00}, even though I told him the account did not belong to me, which the company was already well aware. 

Very upset, I kept insisting on his name and address for about 10 minutes. He then started to belittle me stating that " let me pull up XXXX and show you how easy it is to get our address ''. The inappropriate exchange was at least 15 minutes before he finally gave me the address so that I could submit my request for a debt letter and verification in writing. I then hung up. 

All of this because I never received a debt letter so that I could verify the debt and dispute as necessary. When I attempted to dispute with the credit bureaus, Amsher still refused to research the account, even though I submitted my final bill from XXXX showing that I didn't owe the debt. They also called other employees of the company stating that I owed this debt. This company is a scam who is only in the business to force anyone to pay a debt ( which they purchased ), even if not legally obligated to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
I contacted the company diversified consultants via certified mail requesting specific infomation and the company has failed to provide me with the information in my request. Instead the company sent me a letter acknowledging my request and then a copy of a billing statement form the company they are collecting the debt on behalf of. in my written request I asked diversified consultants to provide me with proof that the debt belongs to me ( ( XXXX XXXX ) My request was sent via certified mail. The response given by the company is not proof that this debt belongs me at all. In my request I also requested that they cease and desist all reporting and collection efforts on my credit report. As of today the company is still reporting negative/incorrect information on my credit report and has provided me with the information in requested in the certified letter I sent to them. In accordance with FCRA they must comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX disputes regarding a collection and requests for validation of a debt were sent to XXXX  that included the following accounts : XXXX/XXXX  XXXX XXXX Acct : XXXX, XXXX. 
An inquiry from XXXX XXXX  on XX/XX/XXXX and names I have never gone by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several follow up letters by certified letter, more than 10 phone calls and 3 direct uploads to their online disputes system and contact attempts were made well into XXXX of last year. A CFPB complaint was made XX/XX/XXXX about all erroneous reporting. All of the above accounts, inquiry and incorrect name information was removed from my credit file. Upon checking my credit file on XX/XX/XXXX, this information has been erroneously placed back on my credit report with out notice by XXXX, XXXX  and Equifax. In violation of the Fair credit reporting Act. 

In addition, Equifax, XXXX and Equifax continue to report XXXX   XXXX XXXX XXXX XXXX. After receiving information verifying the account had various errors in it's reporting. Another violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Unsolicited credit card was sent to me in XX/XX/XXXX from Citibank with my name on it. I called Citibank and told them it was not mine and I never applied for it. I told them to cancel it. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying a debt from that card was referred to them in the amount of {$2200.00}. I called them and talked to a XXXX XXXX. He gave me a SS # that was not mine and I told him the last 4 digits of mine. I sent them a letter disavowing that this was my debt. 

I contacted XXXX credit bureau because I checked my credit report and it showed up there. They did an investigation and deleted it from my credit report. 

On XX/XX/XXXX I received a letter from XXXX XXXX saying they did an investigation and said I owed the previous amount. They then sent me another letter on XX/XX/XXXX because I had moved. I talked to a person named XXXX. Again we went over the SS # that they had and again it was not mine. I faxed her information that would verify that I was who she was talking to. Again I sent them a letter disavowing the debt and told them about XXXX investigating my complaint. 

On XX/XX/XXXX I received a letter from XXXX XXXX, again saying I owed the same debt and offered to settle for {$1100.00}. Again I sent them a letter disavowing the debt. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX saying the referenced account was placed with them for collection. Again I have sent them a letter disavowing the debt. 

At this time I now think that this is harassment and would like it to stop. I have a very good credit rating. I recently bought a condo and my credit  score was 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 non-monetary relief
Consumer complaint received 2018-09-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is reporting inaccurate and re-aged account information on my credit file after I disputed it. They were advised that the company did not possess a license to do business in Virginia and that the account information is inaccurate. They claim they investigated and placed it back on my account. The company is NOT LICENSE ; therefore it CAN NOT be properly validated the account has been re-aged.

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 2018-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ACS Education Services
State: FL

Complaint narrative:
Furnisher : Conduent Education Services ; Account Number : XXXX. I submitted a dispute and requested and investigation directly with the furnisher as stated in the Fair Credit Reporting Act ( FCRA. ) The dispute and request for an investigation was regarding specific inaccurate information being reported to my consumer reports ( i.e., inaccurate late payments. ) The furnisher received my letter via certified mail on XX/XX/2018. Conduent Education Services failed to comply with the FCRA dispute to furnisher guidelines including ( a ) conducting reasonable investigation, ( b ) report results to consumer generally within 30 days and ( c ) failing to notify the consumer of the status of the investigation and if it was even initiated. These are major violations of the FCRA and the furnisher should held accountable to the fullest extent of the law for failing to comply and violating my consumer rights. See attached uploaded documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: AES/PHEAA
State: GA

Complaint narrative:
Currently, my IBR request has been in one process or another since XX/XX/XXXX ; usually the process is " HOLD '' while the interest and the pay-off date on my loan gets higher and higher. Even since this servicer has had my loan, I have had issues. Every time I call in or get a message, it says I am on the wrong plan for IBR or I could be making a lower payment. I also had someone suggest I apply for XXXX Loan Forgiveness, which I am not eligible for, and further delayed payments. In XXXX, they had me paying three different payments and then it has really been a mess since I went back to school from XXXX. I wanted to keep paying while in school, but they placed in forbearance and basically wouldn't let me. Ever since I have came out, it is either the wrong payment, not a XXXX qualifying payment, on hold, in processing, or past due because of their inept practices. 
I just want to pay my loan. 
In XXXX, I received correspondence saying I was on the wrong type of plan for XXXX. I applied for IBR and paid the {$5.00} she said to expect in XXXX. My XXXX was denied because of incomplete info although there was proof I had uploaded it. They told me to reapply. I think the reapply started the entire process over and then I believe I finally got what I believe was the correct payment of {$400.00} in XXXX and a bill for {$5.00}, paid it once, and then it inexplicably went to the standard payment plan amount of {$1100.00}, which they tell me not to pay because it won't qualify ( I also can't afford that ). I have talked to at least three people who said they are sending it to review and don't know what's going on. I NEED HELP PLEASE. I am begging. I will attach details. Everyone I talk to says they will take care of it, but it never happens. Please review my attachments for evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
When I received my latest mortgage statement, I noticed a late charge on the statement. I called XXXX and spoke with a representative and said we received the bill on the XXXX and it is due on the XXXX. There is no way the payment would reach XXXX by that date. The representative said she would waive the late charge since it was not our fault that the payment was mailed late from their office. We have NEVER had a late charge until this last statement, since now they are mailing the statements late. We should not have to pay the price for the mortgage company 's late statement mailings. This late charge information is destroying not only my credit but that of my wife 's also.

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 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have pulled my report and I seen several accounts that are not mine, I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : Item # XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Reason for Correction : I was going over my credit report because I have moved back to XXXX and I just found out that someone has been using my identity. I have never done business with these companies. I was pulling my credit to look into buying a home and I seen addresses that are not mine. I am not sure if the person is using my information is still using it. This is the first time I have been aware of the whole situation. 
According to the provisions of the Fair Credit Reporting Act? 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. 

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of? 612 [ 15 USC? 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and I have been a victim for years. 
I have mailed all the requested documentation - an Identity Theft Report along with a signed and notarized affidavit, a copy of my driver 's license and a copy of my police report with police officer contact information and badge number. 
I requested the fraudulent accounts to be blocked out of my credit report as permissible by law. 
According to USPS tracking number XXXX I have mailed it all on XX/XX/2018, Experian received it on XX/XX/2018, processed it on XX/XX/2018, investigating the items instead of blocking them with no further explanation. The results of their investigation did not remove nor block any of the fraudulent accounts reported but 2 fraudulent accounts. 
XXXX has already blocked the fraudulent accounts off my credit 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 2018-09-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
While I was being pre-qualified to purchase a home in XX/XX/2018, I was denied due to derogatory mark on my credit report. I enrolled in XXXX XXXX to view this negative mark and saw that a collection item placed by Ability Recovery Services, original creditor XXXX University, was present as of XX/XX/2018. Ability Recovery Services failed to send me initial communication before placing this alleged derogatory status on my credit reports violating FCRA. On XX/XX/2018 I sent letters to both Ability Recovery Services and XXXX University  requesting validation of debt, dispute put on credit reports while researching and deletion of tradeline if validation can not be provided. Neither Ability Recovery Services nor XXXX University provided me with validation of debt to date. They failed to respond within 30 days of receipt of these certified mails and thus the tradelines should have been deleted. I am requesting immediate removal of tradeline from all reporting credit bureaus.

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