vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
US Reliacard is a parasitic SCAM!!!

My unemployment benefits were paused, then paid in a lump sum. I am unable to use or access my benefit payment without unnecessary fees and delays. There are ridiculous transaction amount limits as well as frequency of transaction limits. I am forced to slowly withdraw my benefits in small transactions and pay a fee after the 2nd monthly transfer. Their direct bill pay option is not direct at all and redirects to a 3rd party with a non-affiliation disclaimer, should anything go wrong.

I have called the US Reliacard 24HOUR hotline several times in an attempt to increase my account limitations and access my benefits. EVERY call has been redirected to a personal phone line, answered either by a recording that this number is closed, call back again for the next available rep. ( there aren't any! ) ... or it gets answered by someone confused, simply saying hello and hanging up.. not a professional call center or representative able to handle any US Reliacard business whatsoever! 

This Fraudulent bank and card exists solely for the purpose of applying hurdles and obstacles in the way of our taxpayer-funded benefits in order to skim funds to enrich themselves. Their website and app do not provide the necessary customer service and access to account settings and features and their customer service hotline ( XXXX ) is a deliberate time wasting loop that directs you to only dead ends before hanging up on you every time you select to speak to a live representative.

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 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: AL

Complaint narrative:
On XX/XX/2020, I paid a debt with True Accord, whom was the collection agency for XXXX, XXXX. Since, they have placed the amount back on my credit report and drop my points by 20. I called and was told to contact True Accord, in which I did and they stated they would send the request a 3rd time in which True Accord stated they have sent the request. XXXX has refused to update their records and delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
I keep receiving emails that threaten to take me to court my name isn't attached to this email and they asking for me to wire transfer XXXX to settle this case. If not I will be prosecuted for 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: CITIBANK, N.A.
State: NH

Complaint narrative:
In XXXX Citibank issued a XXXX for {$2100.00} which I paid taxes on in XXXX. The account was delinquent from XX/XX/XXXX until they write off. Citibank continues to report 180 delinquency or more on a {$0.00} balance since this write off. Each time I dispute the tradeline they report it as valid. I even included the tax return information.

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 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: AL

Complaint narrative:
On XX/XX/2020, I paid a debt with XXXX XXXX, whom was the collection agency for Moneylion, Inc. Since, they have placed the amount back on my credit report and drop my points by 20. I called and was told to contact XXXX XXXX, in which I did and they stated they would send the request a 3rd time in which XXXX XXXX stated they have sent the request. Moneylion has refused to update their records and delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected 34 states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and XXXX XXXX XXXX and its associated companies XXXX XXXX and GM Financial agreed to the following conditions : XXXX will pay {$65.00} XXXX to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness, and XXXX will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact XXXX XXXX XXXX. in regards to the settlement. After contact XXXX, GM Financial, and XXXX XXXX they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues XXXX and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX Santander Consumer USA settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected XXXX states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and Santander Consumer USA and its associated companies Chrysler Capital and XXXX XXXX agreed to the following conditions : Santander will pay {$65.00} XXXX to the XXXX participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, Santander is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness, and Santander will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact Santander Consumer USA. in regards to the settlement. After contact Santander, XXXX XXXX, and Chrysler Capital they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues Santander and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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:
On XX/XX/XXXX XXXX XXXX XXXX settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected 34 states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and XXXX XXXX XXXX and its associated companies XXXX XXXX and XXXX XXXX agreed to the following conditions : XXXX will pay {$65.00} XXXX to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness, and XXXX will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact XXXX XXXX XXXX. in regards to the settlement. After contact XXXX, XXXX XXXX, and XXXX XXXX they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues XXXX and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
one of the person calling threatening asking my identity and name and social security numbers phone number was XXXX receivable management LLC

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 2020-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal is claiming that I owe them {$2300.00} for a transaction with someone named XXXX XXXX. They say that Mr. XXXX payed money to them which they deposited in my bank. Mr. XXXX wasn't satisfied with the transaction so they refunded his money and they now want the money that they deposited in my account back. 
The problem is that I didn't have a transaction with Mr. XXXX or anyone else and the money was not deposited in my account. On further investigation it turns out that they deposited it to a Visa debit card that isn't mine. I have suggested that they recover the money from the same debit card they deposited it to but they say they can't. 
It seems clear to me that the account was hacked and the debit card belongs to the scammer. Probably XXXX XXXX, if that is his real name. The deal was supposedly on XXXX XXXX and he had complained and got his refund by the XXXX. That's a little fast for a legitimate transaction. PayPal should be able to figure this out too, but I'm sure they feel that it will be easier to extort the money out of me than to get it back from the scammer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
On XX/XX/2020, I reached out via phone and email to AmeriHome Mortgage to inquire about loan payment processing. Specifically, I was inquiring why my loan payment has been applied at a higher amount to interest than what is outlined in the " Explanation of Amount Due '' for past 12 months? There is no explanation as to the reason on my monthly statement nor do I recall receiving any correspondence. I received the automatic reply from the institution but I have not received a phone call or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: CA

Complaint narrative:
I have a debit card account with NetSpend Pre-Paid Visa. My card was cloned and my PIN number was stolen. I discovered that my money was cleaned out in the evening that day when I attempted to purchase something and my card was declined. This happened on Sunday, XX/XX/2020. When I checked my account online to see what was wrong, I discovered that 4 unauthorized ATM transactions were made to clean out my entire account between XXXX to XXXX. The total amount stolen was {$820.00}. I was at work when this was happening. I filed a police report that same night. I was at work the entire day and have never even been to the city or county where the ATM transactions had taken place. The ATM transactions took place at a XXXX store in XXXX, CA. The security cameras at the store would prove it. The thief first made a XXXX inquiry on the ATM to see the balance on my account and then once they saw the amount, they made 4 ATM consecutive transactions in the space of 2 minutes ( from XXXX TO XXXX ), cleaning out my entire account! The total balance was {$820.00}! Furthermore, somehow the ATM allowed them to do multiple transactions, which is not normal, as ATMs put limits on the amount of transactions AND the amount of money that can be withdrawn. This serves as further proof of FRAUD. 

NetSpend Pre-Paid Visa is refusing to reimburse me the {$820.00} that was fraudulently stolen from my account, despite the fact that I alerted them less than 24 hours after I discovered that the unauthorized transactions were made. 

As a financial institution, their business practices render consumers finances unsafe in their possession. I have been left extremely inconvenienced, as the money stolen was from a direct deposit paycheck and I have outstanding bills to pay. 

They have the burden of proof and have failed to protect me as a consumer. I am not liable or responsible for these fraudulent transactions. A consumer 's finances are not safe in this financial institution.

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 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I signed up for this card in late XXXX. The offer was for {$500.00} bonus cashback after spending {$5000.00} in the first three months. I completed these requirements in XXXX. 
I was told to wait another month. Then I was told to wait 60 days after the 90 days were up. It's the end of XXXX, I've received nothing.

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 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I opened this account in late XX/XX/2020 with a promotion to receive {$400.00} bonus once I had {$4000.00} in direct deposits in the first 3 months. I completed this in XX/XX/2020. I was told I had to wait until 30 days after the transaction getting me to {$4000.00} was reached and the bonus would be deposited by then. Then I was told 120 days after account opening. It's late XXXX ( 120 days after opening ) and I haven't gotten anything. 

Additionally, my account can not transfer to another account. I have stopped in a local branch and called several times, they keep telling me I need to wait for something to be mailed to me like a PIN, but I haven't gotten that yet. My current pin lets me use the debit card but that's it. I'm not sure what that has to do with transferring money. I was able to transfer to a different checking account ( XXXX ), but not this other one ( XXXX XXXX ). I don't have time to call and wait on hold for long times any more.

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 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I started with SLS on XX/XX/XXXX when they took over loan from XXXX  XXXX XXXX. I could not set up website or call to make a payment when I called on XX/XX/XXXX as they did not have me in their system yet. They said I had 60 days to make XXXX 's payment as this is common. XXXX payment was made XX/XX/XXXX and is agreed upon with SLS. SLS is reporting ( see attached ) that my XXXX payment was late as you can see the have XXXX XXXX for last year which include XXXX, XXXX and XXXX. Reporting XXXX is a clear RESPA violation when it comes to the transfer of loans between banks. 

I reported SLS in a different complaint with CFPB and they stated I was behind until XX/XX/XXXX and have been up to date since then. See complaint XXXX. XXXX, XXXX and XXXX is 3 months. They are reporting me late for 6 months in XXXX. 

According to SLS and their response to my complaint, they are saying that I was late, are are not following RESPA guidelines in reporting me late for XX/XX/XXXX and also have not fixed the error for XXXX, XXXX and XXXX. 

There should be no dispute as the SLS response to my complaint XXXX and what the are reporting in late payment history do not match.

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 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH Has been trying to stick me with a {$77.00} appraiser fee that they allege was done 10 years ago when I had missed two payments. They said this was customary and that it was necessary for somebody to come out to the property and see if it was all crapped up. I dont know what they expected to ascertain from looking at a balcony on the eighth floor. They certainly didnt enter the unit. Over the years I told them Id be happy to pay the fee but they needed to provide me proof that this appraisal was actually done and that it was not bogus. I requested photos and notes. None was given. Last month they told me they would take the {$77.00} off and as of today they had walked back the agreement for no good reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: FORD MOTOR CREDIT CO.
State: TN

Complaint narrative:
Lincoln Automotive Financial My credit report is dinged as a paid charge off of {$7800.00} My husband totaled this car and I had GAP insurance, Gap Insurance only paid {$100.00} of what my other insurance did not pay. 
I agreed to pay {$3500.00} of the {$7800.00} So they are reporting incorrect amount and I am needing to purchase a home and this is charge off that should have been paid my insurance or Gap insurance needs to be removed from my credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 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: AZ

Complaint narrative:
Transunion Inquiry XXXX XXXX XXXX XXXX This inquiry was not approved or acknowledged by me. Transunion has failed to remove incorrect information on my credit file. I want this incorrect information removed immediately in compliance with the fair credit act.

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 2020-10-29 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: MO

Complaint narrative:
Equifax should not be reporting me as an authorized user on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation