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 getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: DC

Complaint narrative:
I was informed that a USBank Reliacard was issued to me XX/XX/XXXX, even though I did not request one, nor was I interested in receiving one, but was forced by DC DOES ( unemployment ) to have my payment made on a Debit Card. 

On XX/XX/XXXX I had still not received my Debit Card and I contacted USBank, an agent told me they could expedite me a new card, and we decided it was best I use a different address in DC that has a better record of not losing my mail. I was told it would take up to 5 business days for my address to change in the USBank system. 

On XX/XX/XXXX I called USBank to see if my address had changed, it had, and I requested a replacement card as my initial card was lost in the mail. USBank XXXX and her supervisor XXXX told me that I could only receive a replacement card if I paid a fee of {$5.00} further I was told the only way I could access my funds for a VISA transfer is if I paid {$5.00} for a card with my name on it. I was told this would take another 10-14 days. I asked about the previous agents offer to expedite the card and was told that I must pay for it. 

USBank in essence is telling customers that it the customer 's responsibility to make sure they receive the card and if the card is lost in the mail ( or even not mailed by USBank ) that the customer must pay a fee to receive the new card. 

USBank has been holding onto {$6600.00} of my money for 6 weeks, I have escalated this to their executive office where I received a cut and paste response saying someone would get back to me within 15 calendar days. 

These debit cards are a way for banks to attempt to create additional wealth by charging fees, taking weeks to send the cards and then requiring additional fees to get the cards that may never have been sent.

I waited 4 weeks before reporting the card was lost and still USBank placed the blame on me for not receiving the card. 

Banks should not be allowed to issue Government payment cards if they can not guarantee they will get them to the consumer in a timely manner.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/20 I gave my credit card information over phone to a car salesman at XXXX XXXX as a {$200.00} hold for 24 hours to decide if I wanted to come look at a particular vehicle. 

XX/XX/20 In less than 24 hours I have decided that it was car I did not want to pursue looking at XXXX XXXX is over three hours from my home in which I deemed too far to travel I notified the salesman at the dealership of my intent in which he said my deposit/ hold would be put back to my account This entire transaction took place over the phone nothing was signed or received by me I have no contractual obligation XX/XX/20 I have attached the response from the Citi stating it was resolved XX/XX/20 The charge was back on my account The representative at Citi Credit Cards was not very helpful

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 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 — Information belongs to someone else
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Good Day, I am XXXX XXXX XXXX and my reason on reaching out to you is to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
Ability Recovery Services LLC ( ARS ) continues to try and collect funds for XXXX University when the debt was paid under a settlement agreement. ARS refuses to post a XXXX  balance and continues to slowly report increments of lesser amounts. A representative XXXX said she was going to remove the account from XXXX  do no one could see the previous previous balances and know what they are doing to costumers when they pay off their debt. The debt was already charged of but collection efforts continued to be made by ARS. XXXX was paid to settle the account but XXXX  reported XXXX was due. Then the representative XXXX said XXXX was due. They are gradually decreasing the amount ant I was denied credit. Therefore, the way they are processing payments and reporting the XXXX  is creating a hardship.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX Potentially Negative Status Transferred, closed. 
Account Type Education Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX  XXXX Potentially Negative Status Open. 
Account Type FHA Mortgage Balance {$110000.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX Potentially Negative Status Transferred, closed. 
Account Type Education Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX  XXXX Potentially Negative Status Open. 
Account Type FHA Mortgage Balance {$110000.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY

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 getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: FL

Complaint narrative:
I received an unsolicited prepaid debit VISA Reliacard in the mail XX/XX/XXXX from US Bank. I did NOT activate the card. I tried calling US Bank to cancel the card but havent been able to reach an agent. The card has my name ( without middle initial ) and was mailed to my current address. 
Searching online revealed that there is fraudulent activity going on with these Reliacards that are being used for unemployment payments in Colorado. I dont and never have lived in Colorado. The only time I was on unemployment was in XXXX. 
I received an early retirement package from a large company in XXXX and now I am a XXXX  XXXX  XXXX. I recently worked for the XXXX XXXX XXXX but no longer work there. 
There was fraud on two of my XXXX  account debit cards in the past year. Both cards were issued to my husband and were activated but never used. Both were cancelled after working with the bank ( not US Bank ) to clear the fraudulent charges.

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 2020-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
Over the past year, I have received multiple ( according to XXXX records, 31 total ) calls from varying numbers in various States in the U.S.from this company, Midland Credit. 

I have told them repeatedly I am not the person they are seeking to find and that I have no knowledge of this person 's whereabouts, but they have not ceased calling me at all times of the day or evening. 

I have blocked these numbers as they have come in, but the calls have not stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
On or about XX/XX/2017, I purchased a car from XXXX  XXXX dealership, XXXX XXXX XXXX XXXX, XXXX XXXX Il XXXX and HYUNDAI Motor Finance, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX was the Finance company. Because of hardship, XXXX, brining extra bills that XXXX care did not cover I felt behind in my payments by two months. Within that two months I started paying my car notes as normal, $ XXXXusually before it was due. I called and talked with the finance company after reading in my contract that I could extend the date in my contract if there was a problem therefore I called the finance company and ask for my contract to be extend my contract for last payment by two months. The young lady told me that I could do that if I double my payments for three ( 3 ) months, I told her that if I could do that I would not need to extend my contract date. The next bill I send the regular payment {$340.00}, plus two-hundred dollars ( {$200.00} ). I couldn't continue to do that it would put me behind in my medical, and utilities bills. Therefore I just send the regular bill of {$340.00}, every month, I receive Social Security and I'm on a budget, therefore I didn't have extra money. To honest I was going to pay Hyundai when the stimulus check from the government came, I'm still waiting and they're still playing while people are in desperate need. Under the laws as I'm too understand of Illinois, and UCC 9.506. as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere.

also I never stop sending in the regular payments it was just the two payments and they could have extended my contract by two months. Being a senior the car was my transportation to shop for groceries, go to my doctor appointments, as well helping other seniors get to the doctor and the store church when it was open, no i didn't charge for gas because I felt God had bless me with a car and why not share with those who didn't have now I don't have.

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I attended XXXX from XX/XX/XXXX to XX/XX/XXXX. At the end of the Fall semester in XXXX, I spoke to a counselor, about discontinuing my enrollment, because my grandmother and mother were having serious issues with their house, that was in the flood zone of XXXX. I was told by the school that I could register for the semester, and if I had to withdraw because of XXXX that my costs would be covered, and my transcript would reflect the mitigating circumstances. Well, I was forced to withdraw, and move back to XXXX XXXX to help with clean up and to rebuild, and now the VA says I owe the money for withdrawing. Also, there is no mention of mitigating circumstances anywhere on my transcript. I attempted to go to the school, but the building was empty, and when I tried to contact the school, I found out that they had changed locations, and none of the same people were still there, and I was told that there was no record of them having talked to me about mitigating circumstances. I was also told that the school would soon be closing for good. When I was told that I could withdraw without penalty, the counselor also told me that my Post XX/XX/XXXX GI Bill wouldn't cover another semester after the Winter of XXXX, leading me to believe that I could not graduate anyway, which strongly affected my decision to withdraw. 

I have since found out that I had enough left of the GI Bill to cover another semester, but I can not find ANY schools that will take any of my XXXX credits as transfer credits. When I apply for jobs, I am laughed at when they get to the XXXX part of my resume. I have been told by several former classmates that they are also having the same problems, and we all remember being promised that all of our credits would transfer to any other accredited school, and how XXXX students were among the elite, and super successful, like XXXX XXXX. I feel like I have been lied to, manipulated, and taken advantage of, and feel like I have no recourse. I feel like my time at XXXX was a waste of time and money that I will be paying for, for decades, and now that the school is closing, I will never even get a degree.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I paid off an account XX/XX/2020. I disputed the amount because when they reported on XX/XX/2020 they report a payment but not that that was the final payment and the account was XXXX. TransUnion states they investigated and said they ended the investigation on XXXX XXXX and I still owe a little over {$2100.00}. I called XXXX XXXX and told them I dont see how XXXX and XXXX have a XXXX balance and they are still reporting {$2100.00} as of XXXX XXXX when it was paid XX/XX/XXXX and the company sent me an email when I called them before XX/XX/XXXX saying it was XXXX. Also got an email today ( XX/XX/XXXX ) from the manager stating it is XXXX after I got off the phone with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My Navy federal Bank checking account is in a negative of {$20000.00} due to someone depositing false checks into my account and my bank charged {$990.00} on my account 4times everyday until it got all the way too XXXX  so I filed for a fraud claim and they did a terrible job at helping and said I am responsible for the debt when I never deposited these false checks. Someone basically scammed me

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good Day, I am XXXX XXXX XXXX and the reason I am reaching out is to complain about TransUnion and for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 status incorrect
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
Shellpoint Mortgage - XXXX - Is reporting inaccurate information on my credit report. They are reporting a 30 day late XX/XX/2020 and I have never been late on any account ever in my life. I actually had set up auto draft with Shellpoint, as I have many accounts with them. My auto draft was set up on all of my accounts and the payments were drafted for all of the accounts except one. It should have been drafted but the company did not apply it to all my accounts. I was not aware as I did not receive a notice and only knew of this late notation until i checked my credit. I have been a long time customer of Shellpoint and have many accounts with them. I am very disappointed to see the communication and handling of this issue. I am asking as a long time customer that this be removed from my credit file as it is erroneous and completely out of my hands. I authorized the payment but Shellpoint did not collect.

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: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I leased a vehicle with Hyundai motor finance for a period of 48 months, that lease ends in XX/XX/XXXX of this year, I made the payment to Hyundai motor finance directly from my bank account every month, I dont miss a single payment during that period. 
The point is that we were in the middle of novel Covid-19 pandemic and the XXXX XXXX  were closed, reason that not allow me to return the vehicle on time. In the night of XX/XX/XXXX they send a tow truck to pick the vehicle, I dont them money and now my credit score is ruined, because Hyundai flagged my account as a repossession with the credit bureaus, I have being hurt by that action in my credit files and in a loan that I was trying to get for my Business!

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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have an inquiry and an account from Wells Fargo on my credit reports. I never applied for anything with Wells Fargo. I reached out several times to get the account removed and the inquiry removed. All they did was keep placing me on hold, transferring me back and forth to different departments and different representatives, and also hung up the phone on me several times. I AM FILING THIS COMPLAINT AND WILL CONTINUE TO CALL UNTIL THIS IS RESOLVED

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I checked my credit report today, XX/XX/XXXX, and noticed there was a recent derogatory account listed as of XX/XX/XXXX. The account was listed as being from XXXX XXXX XXXX XXXX I called Consumer Adjustment Company Inc ( CACI ) today, XX/XX/XXXX to inquire as this is an invalid debt that I disputed in the past. It was deleted in the past due to inaccuracies. When I spoke to the first representative he told me that the dates of service were : XX/XX/XXXX and XX/XX/XXXX. I called the hospital in question, XXXX XXXX XXXX XXXX in Texas and I also contacted XXXX XXXX XXXX XXXX XXXX, both of whom advised they do not have any debts for the dates provided and furthermore they do not work with CACI. I called CACI again and this time spoke to XXXX ( They do not provide last names ). I advised him that the debts are not legitimate and I want to dispute them. He refused to give me information until I asked repeatedly. He then gave me the address : XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX to mail a dispute. He at first told me I would receive a letter. This was put on my credit report without cause and is hurting my ability to secure a mortgage. I am currently in the process of purchasing a home and this phantom account is hurting us tremendously.

Company response to consumer: Closed with explanation