vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: SC

Complaint narrative:
I have a prepaid debit account with netspend where my XXXX is direct deposited. In XX/XX/2020 I went to XXXX  and I got out XXXX. 
Ten social security checks were deposited into the account, when social security was supposed to suspend my account while XXXX. 

Unfortunately, my identity was stolen while I was locked up and all of the checks that hit my bank were used as soon as they posted, until about three months ago when netspend noticed the weird activity and froze the account. 

I get out of XXXX  and discover all this happened, and netspend will not give me any access whatsoever to my frozen account because the thief changed my billing information. Now, I tracked the changes back to my XXXX account and found an unfamiliar address, tried to use it to access the account, after submitting all documentation proving my identity, and now the representative says I have to have proof of residence FOR THE THEIFS ADDRESS that he changed on the account. I asked them, so Im supposed to either fake mail or steal mail? 

Im not doing either. They should have a way to see the original address set on the account when it was made. They are holding XXXX $ of mine, despite me doing everything to prove my own identity except the illegal one they asked me to do. So what now? Im supposed to give up? 
And what about when social security wants their money back, because I filed a police report and notified social security of what happened. I didnt do anything wrong. I was XXXX  XXXX  in XXXX. 

I cant pay it back. I am XXXX I cant live without my check. I have no money now, I wont have any next month or the next either and I have court fees and XXXX  to pay. 

So what do I do? Net-spends customer service is nonexistent.

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 2021-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
have send a dispute letter to XXXX and XXXX stating the information being reported is inaccurate. A collection account reported by XXXX XXXX, XXXX XXXX and LVNV Funding is reporting a past due on my credit report. I sent 3 letters, On on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to both bureaus stating that a the date of last active on all three account were different, my collection account was reporting a past due balance, and XXXX XXXX is reporting twice on my credit file for the account. And my credit report still says the same thing.The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. They never update the report stating that there was a dispute. Please look into this for me. thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
The current Bank holder still has not recorded a reconveyance of the mortgage securing a HELOC that they prematurely closed after I paid down balance to 0 owed & in good standing ) on XXXX XXXX7. The Deed of Trust securing the original {$640000.00} remains a cloud on my title. I understand they have violated civil code S 2941 etc. but issue seems to be that the file had been over to their trustee to reconvey & after starting process by recording a substitution of trustee on XXXX XXXX XXXX, the trustee dropped or maybe lost the file?? Anyway the substituted trustee for the bank did not then sign & record the reconveyance. And no one at bank, no one I have talked to has been able to get this done.

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 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Social Finance, Inc.
State: AZ

Complaint narrative:
Upon opening up this account with Sofi, it was advertised and opened as an account that would allow you to overdraft up to {$50.00} if you qualify. The qualifications were you would need to have at least {$1000.00} in direct deposits monthly. They also had a promotion that ran concurrent with the overdraft protection but for direct deposit itself. If you set up direct deposit you would get {$100.00} as a welcome bonus. You would need {$1000.00} in qualifying direct deposits in order to qualify for the {$100.00}. On XX/XX/2021 I received my {$100.00} welcome bonus. Hence, that means I must have had qualifying direct deposits, as I had. However, I never ever til this day was able to use my overdraft. I relied on it, despite never using it, but being that I had qualified month after month, at one point I put my trust in Sofi to see the logic of why I should qualify for overdraft and provide this feature that they offered and I established this account to use. I was told by a manager that my direct deposits are being coded as deposits. Due to this misnomer, no fault of my own, they never gave me access. I emailed, I went on social media, I spoke with various departments. I was told to wait like 2 weeks and then once I qualify with the {$1000.00} deposits again, it would work. I subsequently moved my deposits elsewhere since I need overdraft at time, and after months of qualifying and even getting a bonus paid out due to direct deposits being received, it is infuriating that they did nothing despite my numerous complaints to provide me the benefit they dangled to cause me to get the account. I have since been told that I would just need to qualify again with the deposits in order to get the overdraft, which they fixed now for my account I guess. But I had been inquiring since XX/XX/XXXX and have been ignored and lied to along the way, and so I just had my deposits go back to my prepaid account that offered overdraft coverage at a higher amount and without a debacle over the difference between a deposit and a direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since XX/XX/2021 Wells Fargo Bank has held all the funds in my XXXX  bank account citing a fraud investigation. I have been spoken with numerous individuals in the fraud department, as well as the branch manager and other branch staff. Additionally, I have emailed as well. There have been multiple statements from Wells Fargo saying that the account will be closed and that my funds will be sent to me by cashiers check, with the last date given as XX/XX/2021. However, they never sent me a cashiers check and when I went into the branch I was told that my account is frozen and I can not access my funds. The bank representatives continue to say that I had a wire recalled and that is why they are not releasing funds, and when I ask for proof of that, they deny me access to my business account records. I believe this is because there has never been a wire recalled, and the fact that my account balance does NOT have a negative balance proves that! They also allege fraud, and I have asked them to please prove that or release my funds as they stated within the Wells Fargo Bank statement they sent me with the deadline date of XX/XX/2021. The last conversation I had was with the Wells Fargo Bank branch manager and she said that the branch will no longer be able to help me. I have left numerous messages with the fraud department, filed multiple complaints to the branch, and still have not heard anything. Meanwhile my funds are still locked in my business account. Please help me. I am suffering a tremendous financial hardship from this, and had all of my retirement funds sent to my Wells Fargo Bank account ( {$73000.00} ) but can not access them. I need to expedite this complaint as I am unable to pay my rent because I am currently experiencing COVID related unemployment. Thank you so much for your assistance in this matter.

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 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
{$980.00} on XX/XX/2021 and {$1700.00} XX/XX/2021 {$910.00} on XX/XX/2021 Made Zelle payments via Chase bank but because made on the weekend I did not get the option to reverse/cancel the charges. I had to wait till Monday to call back when Chase bank XXXX/Fraud department open and it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: IA

Complaint narrative:
Hello, I have been having a nightmare of an experience with my auto lender, Hyundai Motor Finance. On XX/XX/XXXX, my vehicle was totaled by a negligent driver who wasnt paying attention. I had a fairly new car that I had bought in XXXX of XXXX. I was underwater on the loan but thankful That I opted for the GAP coverage the XXXX dealer promoted when purchasing the vehicle. I thought that out of everything, the GAP insurance company would be the most difficult to work with. I was wrong. The gap administrator ( XXXX ) has actually went above and beyond in also reaching out to XXXX XXXX, going so far as to email them 3 times a day asking for assistance, but to no avail. I have contacted XXXX by phone 18 times since XX/XX/XXXX, trying to get 2 payment documents the GAP administrator needs : a full payment history with a running balance and a payoff statement. They straight up refuse to send me these documents and evidently never plan to send them to my GAP administrator either. I have been hung up on. I have been told my account was inaccessible. Its been almost 3 months since the accident and I have gotten absolutely nowhere. In the meantime, I am forced to continue making 2 car payments each month, which I dont have the money for. Not only that but I spend a good amount of time on hold with their customer service every other day trying to get this resolved. Unfortunately I continue to get the runaround with the same canned response & inaction. I have a good credit score and dont want to stop paying where my XXXX goes down but it also makes me sick paying a company that provides such terrible, predatory customer service. Please help. I dont know what else to do and fear I am going to get into financial trouble as a result. I dont want anyone else to go through this horrendous experience. 

Lender : Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX Please help

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 2021-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On 06/21//2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: American First Finance, Inc.
State: GA

Complaint narrative:
This account was paid off early and in full on XXXX XX/XX/21. And is reporting to XXXX as Derogatory and collection/charged off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX Tax Department that I was delinquent on my property tax and my home would go to tax sale on XX/XX/XXXX if not paid. I immediately notified the mortgage company, both through emails and phone calls, with limited response. It took until XX/XX/XXXX ( XXXX and XXXX were weekend days, so this was the last possible day ) for them to pay the tax bill, and that was only due to my repeated contact attempts. 

It told to me in writing multiple times that I would not be responsible for the {$490.00} late penalty paid to XXXX XXXX for the late tax payment, as I myself never had a late payment to the mortgage company. However, they passed my mortgage on to XXXX right around this time, and requested the full reimbursement for the tax payment from XXXX - including the late penalty - which was paid from my escrow. 

The reason I am realizing this now is because as the result of an escrow analysis, I now have a mortgage that is {$1000.00} more a month than it was previously for the next year. This is not because of an increase in home insurance or property tax, this is because of a wrong miscalculation by the mortgage company. 

Details : Loan number XXXX, at Dovenmuehle Mortgage ( this mortgage was passed on to XXXX in XX/XX/2021 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
I have the money in the bank and i tell them to take the money and they wont take it when i tell them so its there fault if they wait until all my others bills takes the money then they try to take it out

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: CA

Complaint narrative:
I've sent in numerous of letters to TransUnion asking them to remove the Bankruptcy off my credit report or provide me proof from the Bankruptcy court that verifies they have reported the Bankruptcy to TransUnion. I have sent them letter 's on XXXX, XXXX, XXXX, XXXX, XXXX and on other months as well. I have provided TransUnion with a letter stating that the Bankruptcy court doesn't report to any third parties including credit bureaus any information that pertains to a Bankruptcy. TransUnion stated in a letter of dispute that was dated on XXXX that they contacted the Bankruptcy court and they supposedly reporting the information as accurate. That is false. The letter from the bankruptcy court clearly states that they do not perform any activities with the credit bureaus. 

TransUnion needs to remove the Bankruptcy from my credit report or provide me with written proof from the Bankruptcy court that they reported the Bankruptcy to them. TransUnion please provide me with written proof from the Bankruptcy court upon your new 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 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NM

Complaint narrative:
I was following up on a rental in XXXX New Mexico within XXXX XXXX. He essentially told me that he would let me move in to his home XXXX XXXX XXXXXXXX XXXX when I paid deposit and first month 's rent which came to the total of XXXX afterwards XXXX then proceeded to tell me that his attorney who was unnamed at the time required him to acquire of me to pay 3 months rent or 2 months rent I agree to pay 2 months rent and I paid him on zelle a money transferring app through my bank. XXXX said that this was okay and said that my keys would be delivered after I had paid set amount but once I paid the amount I was blocked and disconnected with any conversation from XXXX. Through the entire situation XXXXXXXX XXXX had me send money to many different numbers. He had me ( through zelle ) send XXXX $ 3 times 2 times to one XXXX XXXX XXXX and another time to a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
My student loans were handled by XXXX XXXX and Fedloan since before XXXX, I was notified by XXXX XXXX and Fedloan about PSLF and XXXX  loan forgiveness. As long as I XXXX  for 10 years and my loans would be fully forgiven. I was asked to consolidate my loans into 1 which would help the forgiveness process. I have been XXXX  since XXXX, and I kept track with both XXXX XXXX and Fedloan to make sure my services were counted toward Public Service Loan Forgiveness ( PSLF ) Payment Tracking. I went back to school to earn my XXXX XXXX XXXX and I did not want to stop payment on the loan or as we call it pause the payment until I finish with my XXXX XXXX XXXX but I felt forced into it and no one told me that the payment tracking would be paused until I earn my degree. Then COVID 19 happened ... ..no interest rate, or payment was collected BUT no one told me that by doing this, it would cause more delays on my service counts. I filled out the PSLF and submitted it in XX/XX/XXXX but nothing was done on my account for well over 7 months. I contacted Fedloan over and over but got no response. I finally contact Fedloan through XXXX and they finally responded and would work with me ... .HOWEVER, I only got 7 months of PSLF instead of 8 years worth of PSLF. Their explanation is I received a XXXX  loan forgiveness for 5 years of XXXX. I told Fedloan that no one told me I would have to start all over again, and all I got was excuses after excuses but I have worked hard as a XXXX XXXX XXXX for years and I can not afford to start all over again with the XXXX  loan forgiveness or PSLF or whatever the other terminology they use nowadays. This is VERY UNFAIR and I can not start all over again!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
We are writing to complain that the Goldman Sachs Apple Card refuses to issue a credit for returned merhandise in the amount of {$840.00} despite receiving these funds from the XXXX XXXX after we returned the merchandise. The details are as follows : On XX/XX/2021, we purchased a drone from the XXXX XXXX via the Goldman Sachs Apple Card and were charged {$840.00}. This was Order Number XXXX. The shipment was never delivered. 

On XX/XX/XXXX, the XXXX XXXX issued a refund. Subsequently, a neighbor called that she had received the delivery and we picked it up from her, noting that the delivery label had our name but her address ( which has the same street number but a different street several miles away ). We reported it to Apple and were re-charged the amount again on XX/XX/XXXX. 

On XX/XX/XXXX, we return the item unopened to the XXXX XXXX where they refused to accept the return. Instead, we were sent a shipping label and shipped it back on this date. 

On XX/XX/XXXX, the shipment was received by Apple and we were told we would receive a refund in 3-5 business days. That never appeared. Subsequently, we inquired and were told to wait 7 - 10 business days. Still, no refund. 

On XX/XX/XXXX, we disputed the charge with Goldman Sachs Apple Card and were told it would be resolved in 90 days, but the dispute was resolved in favor of the XXXX XXXX just an hour later. We contacted the Apple Store again, received a copy of the credit invoice generated on XX/XX/XXXX showing we were due the refund, and then contacted Goldman Sachs Apple Card who opened a new claim but could not provide an ID for this claim. They also told us there was no evidence we were due a refund and they could not review the credit invoice we provided because that would be " two way communication ''. ( Apparently, they do not take any information from customers during their dispute process before resolving in their own favor. ) So we attempted to provide the invoice via the XXXX chat but were told to contact a specialist and start over again. Having spent many days and hours on this process we declined to start over again. 

At present, there remains a charge of {$840.00} on the Goldman Sachs Apple Card account despite the credit that was issued to Goldman Sachs Apple Card by the Apple Store for this amount on XX/XX/XXXX. In essence, XXXX XXXX is keeping our refund amount rather than returning it to us.

Company response to consumer: Closed with explanation