vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: IL

Complaint narrative:
On XX/XX/2021 a charge to my Netspend account for {$88.00}. This charge was initiated by a XXXX purchase that I did not make. I called XXXX the same day and was able to get the charge canceled due to it still being in the pending status in my Netspend account. 

XXXX cancelled the transaction and everything was okay. As a precautionary I changed my password to XXXX, canceled the current card with Netspend and ordered a new one. Also reported that the charge of XXXX XXXX with Netspend, was indeed fraudulent as well. The next day I get a notification of a XXXX $ overdraft fee being charged to the account, at this time the account is now in the negative for XXXX or so. I called and spoke with a representative XXXX, I explained the situation in regards to my account with XXXX being compromised, I also informed her my XXXX cards were compromised as well to let her know I was going through a time where someone had accessed all of my information. XXXX said she understood due to the card being canceled there was nothing the company could do until I get a new card. I ended the call and received the card on Sunday XX/XX/2021. I activated the card, and saw that there had been no reconcile with this account. I called Netspend again on XX/XX/2021, per the representative that day, they have to take 45 days to investigate, upon that my account will still reflect in the negative balance. Due to me having my own check deposited in this account, the reprasentive assured me I would be responsible for the fraudulent charges when my deposit hits on Tuesday. I asked that the account be closed, the account was indeed closed and closed at a negative balance. Netspend shouldnt hold their customers responsible for fraudulent charges. I also have all of my documentation from XXXX as XXXX saw it was a third party user and not myself so I do not understand why I would responsible for this.

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 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Received a call from Transworld Systems XX/XX/XXXX about a XX/XX/XXXX charge from XXXX. Charge was for about {$3200.00}, but I had never used XXXX or even rented a car in my life. I contacted the police and XXXX for more information. After giving XXXX my name and driver 's license, representative was unable to locate any charges under my name whatsoever. Transworld Systems has already put in a validation request, but given the nature of the incident so far, I'm not entirely trusting their competence or honesty in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all of like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: CITIBANK, N.A.
State: TX

Complaint narrative:
A company who identified themselves as attorneys call XXXX XXXX XXXX called my cell phone and then my work. The person who called was XXXX. When I called back they said they had a lawsuit filed and that they were trying to serve papers. 

Said the debt was related to citibank account from 2008 and that I was being sued. I told them the statute of limitations was over on this and that I currently have no information related to the debt or had no idea who they were. 

I asked for address and contact info for them, verification of the debt and asked why I had not received any collection notices from them. When I asked this they became very hositle and eventually hung up. I called back 5 times and asked for the address and was hung up on each time. 3 different people identified themselves as attorneys. This is not a legitimate collection. In addition, they said that they can get a judgement without me knowing it. I have searched our country records and see no evidence of any lawsuit filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I closed on a Home Equity loan and line of credit on XX/XX/19 and the equity loan payed off my credit cards debt. 2 of my credit card payments were with XXXX XXXX. My loan officer told me he was going to pay the cards off and assured no problems. My XXXX XXXX credit cards had two different pay off addresses the first payment was paid in the amount of {$1100.00} and the second payment of {$2600.00} was never applied to my account. I was told that XXXX XXXX misapplied the payment and the payment was returned to my bank back office. I was not aware until a month later what occurred. When the funds was applied back into my account, I immediately made the payment manually to XXXX XXXX. Due to the error of the payment being delayed I received a late payment on my credit report. I have tried for over a year to get this resolved and cant get assistance from XXXX or US Bank. In addition to not processing my payments correctly. I would like like to dispute the closing of my loan. My loan officer did not include my taxes and home owners insurance and I requested it several times. My closing of loan was very confusing, the dates and disclosures kept changing. Had to come in to bank and email several times. I would like to file a company request against my loan officer. I have tried to contact him several times no assistance. Did not know I had to pay taxes until months later when I received bill from insurance company and state tax accessor. I am very dissatisfied with the service I received and feel US bank practiced predatory lending to customers. Can you please assist 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 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
deposited a check in my regions bank account. received bank documentation A notice of a hold until XX/XX/2021. Now the regions bank claims there's a hold till XX/XX/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 2021-03-08 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 Credit Acceptance, LLC
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08 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: AZ

Complaint narrative:
I HAVE TRIED 3 TIME TO GET THE UNAUTHORIZED INQUIRES REMOVED AN A FRAUDGELENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: CT

Complaint narrative:
I contacted Transunion on XX/XX/2021 in regards to an account that is appearing on my report by XXXX XXXX XXXX for {$680.00}. 

I sent USPS registered letter # XXXX on XX/XX/2021 to Transunion requesting physical verification of the alleged debt in accordance with Section 609 of the FCRA. This section of the FCRA, Section 609 ( a ) ( 1 ) ( A ) states that credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. 

Transunion has refused to remove the alleged and fraudulent debt from my file and has further refused to provide me with the requested physical documentation from the original creditor. 

This is in non-compliance with the provisions of the FCRA that were designed to protect consumers like me. Transunion is violating my rights as a consumer. Their refusal to comply with federal law has maligned my credit report. 

Today ( XX/XX/XXXX ) I contacted XXXX XXXX XXXX via telephone ( the company that is erroneously reporting this debt to XXXX  XXXX and the representative did not provide any signed documentation to evidence a contract between myself and this alleged debt to Transunion after my written dispute was submitted to them. 

Today ( XX/XX/XXXX ) I also contacted the creditor that sold this debt to XXXX XXXX XXXX, which was allegedly XXXX XXXX XXXX  They too have no physical documentation or signed contract to evidence any debt with me. 

I am seeking your help to hold Transunion accountable for their non-compliance with the FCRA in regards to this matter. I need this erroneous and undocumented account removed from my credit history to enable me to get mortgage financing. 

I appreciate any consumer guidance you can provide.

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 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TD BANK US HOLDING COMPANY
State: IA

Complaint narrative:
I made a charge on my target red card in XXXX for XXXX dollars. I mailed a payment in XXXX but it was not received by them. They didnt attempt to contact about the debt owed from the missed payment. The amount past due wasnt even enough for them to charge me a late fee. There is now a 30 day mark on my credit for the payment not being received on time. Once I saw the account was past due I paid the balance in full. I am asking that they remove the 30 day mark against my credit bc they did not make any attempts to contact me and just let it become more past due

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: FL

Complaint narrative:
A couple of months ago. I send a letter to equifax about an account that doesnt belong to as I have been a victim of identity theft. I notified originally that XX/XX/2020 that they agency was reporting an account without an original credit listed. They in return sent me a letter saying that I had to send my id or personal info to help them not only find me in their system, but also to verify it was me. So I sent another letter to the agency with my identification AGAIN. Per 623 this must be specified in order for account to be addressed the company verified the debt belonged to me?! YET, no information is reporting for the creditor per the copy of my report Ive attached. Im ask for assistance with this issue. Ive attached certified receipts along with copy of report that shows the original creditor not reporting. Along with current report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I inquired about a debt consolidation loan. The company PROSPER hit my credit report twice, I told them their website says no credit hit to inquire. I spoke to them again on XX/XX/XXXX & XX/XX/XXXX and asked them to take it off they said no I agreed to loan which is a lie, I have photos of their site saying no credit hit to see what your eligible for. 

This company is a bate and switch I just want those 2 hits off my 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 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MT

Complaint narrative:
I applied to 5 lenders to refinance my home. After 3 of them wanted me to prepay for an appraisal fee, I quickly decided to hurry up and just go with one lender. The other 2 lenders are dragging their heels in refunding my appraisal fees that are being charged to my credit cards. I told both of them that I was going with Company A and that it seemed like the best deal for me. I requested a refund of the appraisal fee. Rocket Mortgage or otherwise know as Quicken Loans was very pushy and tried to sell me on their reputation instead of matching the lowest rate. They only refunded me {$450.00} instead of the {$500.00} due. Nobody told me that there were any application fees or credit check fees or fees of any kind that were going to be deducted from this {$500.00} deposit for the appraisal. Please make them refund me the {$43.00} due. Thank you for your time and help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC
State: NJ

Complaint narrative:
My mother passed away in XX/XX/XXXX. At the time she was living in her house at XXXX XXXX, NY, XXXX County. There was a reverse mortgage on the house which allowed us to pay her bills and maintain the residence. After she passed away we contact NOVAD, the HUD company managing reverse mortgages. We were given the option of selling the house, with the proceeds sent to NOVAD to satisfy the reverse mortgage or to transfer the house to HUD. We opted to sell the house. The buyers and sellers agreed to a contract for the sale. The buyers were able to procure a mortgage through their bank and a closing date was set in early XX/XX/XXXX. Due to the initial onset of COVID, NY State closed all non-essential law offices which delayed the closing until the end of XX/XX/XXXX. My mother 's family was contacted to file out the paperwork NOVAD requires to initiate the payoff of the reverse mortgage. The lawyer handling our end of the transaction obtained the contact information from NOVAD via email. From what we gather by the emails we received XX/XX/XXXX, sometime in XXXX or XXXX email communication between NOVAD and our lawyer was apparently hacked. It appears instead of the buyers bank sending the payoff to NOVAD via certified check it was wired to an account in Oklahoma. The perpetrators were able to convince the parties involved that due to COVID checks would not be accepted and that a wire transfer was now required. Last XX/XX/XXXX our family was notified by the XXXX Department of Finance that two documents were recorded on the property, a deed and mortgage. Ownership of the house appeared to be transferred to the new owners. Property tax liability was transferred to the new owners. After that date we received no additional correspondence on the property until this past Friday, XX/XX/XXXX when the sellers lawyer received a letter from the title company that a settlement letter was never received and that the money wired to payoff the reverse mortgage wasn't received by HUD. We were able to obtain some of the email documents earlier today from the sellers lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
failed to validate and delete inaccurate information on my credit report after months of me disputing the inaccurate Information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have worked in public service since XXXX and have been paying on my student loans for the same length of time. In XXXX I contacted Great Lakes ( my student loan servicer at the time ) and let them know I was interested in being on a payment plan that would allow me to qualify for the Public Service Loan Forgiveness ( PSLF ) program. They put me on a plan and I continued paying monthly for years. While researching sometime in XXXX, I became confused at what payment plans qualify for PSLF because my current plan didn't appear to be listed on the websites I was reading. I contacted Great Lakes to inquire about this and they changed my payment plan at that time. Now that my student loans have been transferred to XXXX XXXX, they inform me that for the three years of payments from roughly XXXX - XXXX, the payments do not count towards PSLF because I was on the wrong payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
We own a small XXXX XXXX, on XX/XX/XXXX we sent a check to our painter in the amount of {$2500.00}. Several weeks later the painter called and asked him where his check was. I checked with the bank and saw that the check had cleared our account on XXXX XXXX, so I thought we were all set. A couple weeks later the painter called again looking for payment. I told him the check had cleared. Around the same time our bank statement came showing the cleared check image. Painter insists he never received it, so we contacted our bank again. They investigated and said the check was deposited, unendorsed, via a XXXX XXXX XXXX ATM. My husband and the painter filed the appropriate documentation with our bank, Rockland Trust, and the painter signed an affidavit that he does not have a XXXX  account. Its been 4 months and we dont have our money back. Rockland Trust says that XXXX  is investigating and that could take months!! {$2500.00} is not a huge amount of money, but in this pandemic, we need every cent of cash flow. Not to mention, we had to pay the painter, so we are out an extra {$2500.00}.

This was absolutely an unauthorized transaction and both banks, Rockland Trust and XXXX XXXX XXXX are not following the rules for an unauthorized transaction. We reported this well within the 60 day window, but neither bank is following their responsibilities. We have had nothing in writing, just excuses, and we are told to have patience, that the investigation could take 4-5 months. Inexcusable. When I spoke to Rockland Trust on XX/XX/XXXX XXXX 4 months after the check was stolen ), I was advised to open a new account and to be patient. Ordering new checks, deposit slips etc. cost {$400.00}. For a situation where we did nothing wrong. Do we have any recourse? This is ridiculous that neither bank is helping us. If this had been a {$25000.00} check not {$2500.00}, we would have been out of business. And there is absolutely nothing we could have done differently. We mailed a check to a vendor. What else could we have done??? And if the check was deposited via an ATM as we were told, there has to be a card linked to an account. Why is it so difficult to find our money??? Ive asked to speak to the fraud department at our bank to get more info, but was told that they dont talk to the public.????? I have absolutely no faith in either bank. This could easily happen again and, other than handing our vendors cash, there is nothing we could do differently. HELP!!!

Company response to consumer: Closed with explanation