vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I moved to XXXX, TN about 1 year ago and established a banking relationship with Regions Bank. 
I am retired and get 3 monthly checks. Two checks are for a fixed amount from a national insurance company ( {$8100.00} and {$1000.00} ) each month. I receive a third check each and every month of varying amounts of between $ XXXX {$6000.00}. 
I keep a multiple of many times these amounts in my checking account at all times. 
For the first 9 months I deposited these checks and all went perfectly fine with no holds placed on any of the deposited funds. 
About 3 months ago, Regions instituted a new option on the deposit of checks ( funds available immediately ) for a fee 1 to 4 % of the check value ( with a minimum fee of {$5.00} ). As a business owner and operator for 40 years, I do understand the business need for a fee for the service. 
At the same time that this option was instituted, the bank starting placing a 10 day hold on every XXXX of my regular monthly checks that was more than {$1000.00} despite never doing that in the past. 
I have had XXXX conversations with XXXX of the local bank managers, who apologies, removes the holds, and sends a note for the next regional level of management to contact me about the issue. He states that this situation is due to a new algorithm that the home office instituted about 3 months ago. He hates this as he has to field numerous complaints just like mine. I have never received a call back from the next level of management after 3 months. I have also gone to the Regions website and summitted complaints about the new practice, but received no reply. 
As it appears to me, it looks like the bank is using their new algorithm as a predatory excuse to skim XXXX % off of every large deposited check if someone is in a tight financial situation. Luckily, I keep a large cushion in my checking so that the 10 day holds are not an issue. If I were someone in a tight financial position that couldnt wait for 10 days for the money, this huge fee could be devastating and I think it is very unfair to the average consumer.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
These accounts and inquiries are not mine they was made without my permission, consent, inquires MACYSCITIBANK N.A Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 XXXX which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.

Complaint narrative:
It was XXXX in the XXXX XXXX  when someone called for my credit card number plus cv number. Unknowingly, i gave it with my personal info and use it for transactions paying a certain amount. 


The first transaction is amounting to XXXX, XXXX, next is XXXX, XXXX, XXXX and XXXX XXXX I have contacted the customer service and locked my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: AZ

Complaint narrative:
I needed the loan to cover a financial hardship due to death of my son. I fell behind in payments and they withdrew a very large lump sum which I did not authorize and was not what I initially agreed to - I was not informed or aware that a company could do this and feel they are in violation of some legal regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XX/XX/23 I logged into my Transunion paid subscription account so that I could unlock it as I was seeking credit. It kept giving me an error that said " invalid credentials. '' I called customer service spoke to a representative and they said I had 2 accounts. One paid and one free. I told the rep that I only have 1 account and I pay XXXX a month and it automatically comes out of my account. The rep stated they believe that was why I was locked out. The rep sent me multiple reset password links and they would not work. The rep said that they could delete the free account and see if it lets me in. I tried again with the rep and it would not let me in. The rep then said they needed to transfer me to a supervisor because it was not working. The rep transferred me to a supervisor and then the line disconnected. I called back and got a different rep. who did not really try to assist he just sent a reset password and told me to try it in 10 minutes and ended call. I waited tried the link and it still did not work. I had work so I could not call back as I had already spent an hour trying to get this resolved. on XX/XX/23 I called again and a rep was trying to help me and the line disconnected again. On XX/XX/23 I called again and a rep by the name of XXXX tried to assist me. This rep then said that my account was deactivated by my request. I explained to her I would never cancel my account I have had it for almost 10 years and that is how I monitor and protect my credit. I asked that all the calls that I have made to Transunion the last 3 days be pulled and reviewed and for them to correct my account. The agent said they need to get me to a supervisor. In the process of speaking to the supervisor the line went dead again. I called back got a rep who said they would just set up a case and have a supervisor call me in 24 hours. I have not received a call back. I believe Transunion deliberately closed my account because I have an account that is XXXX that I have had for years and they now charge XXXX for that same account today. All I want is my account fixed and reactivated or give me back the last 10 years of my monthly payment of XXXX per month.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To, Equifax Fraud Department Re : Identity fraud victim These credit file or report inquiry was caused by unauthorized use of my social security information and card, to whom it may concern. I did not give my consent for these inquiries to be made in my name, and neither do they pertain to anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information no later than 4 days after getting this letter. This letter was not sent inadvertently or in mistake. To ensure that this is deleted within the specified time period, your business must adhere to the correct procedures. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I reached XXXX payments in late XXXX. I called MOHELA in XX/XX/XXXX and was told my loans were sent to the Department of Education and I would need to wait 90 days for my loans to be forgiven. In XX/XX/XXXX, I called MOHELA again because my loans hadnt been forgiven. I spoke to a supervisor, XXXX, who claimed she manually added me to the direct to discharge list and I should have my loans forgiven in 90 days - at maximum by XX/XX/XXXX. XX/XX/XXXX came and went and my loans were not forgiven. I called MOHELA again in XXXX and the person I spoke with said there is no manual direct to discharge list and I just had to keep waiting. At this point Ive been waiting almost a year for my loans to be forgiven and can not get a straight answer as to why I still have loans when Ive met all the PSLF requirements.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent my identification along with proof of address online and by mail to all three credit bureaus. They have wrong names and addresses on 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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent my identification along with proof of address online and by mail to all three credit bureaus. They have wrong names and addresses on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Bank deducted {$170.00} from my checking account ending in XXXX for ATM withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX UNITED STATES on XXXX XXXX. THIS WITHDRAWAL IS FRAUDULENT> IT WAS NOT MADE BY ME AND NOONE ELSE HAS MY CARD ( now inactivated ) OR MY PIN!!! 

ALLY BANK refuses to reverse this charge despite my complpaints on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023. 

ALLY BANK is in receipt of a police report from XXXX XXXX XXXX XXXX XXXX Case Master Report XXXX Date Initiated XX/XX/2023 Additionally, DESPITE ALLY BANK 's RECORDS THERE IS NO ATM AT THE GIVEN ADDRERSS!!! 

THIS IS OUTRIGHT FRAUD AND MY {$170.00} NEEDS TO BE REFUNDED IMMEDIATELY!!!

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 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX ct, XXXX XXXX VA XXXX Email : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Email XXXX Subject : official request of investigation Dear XXXX XXXX XXXX XXXX XXXX XXXX, I am writing as a follow-up to my previous letter dated XX/XX/2023, in which I requested assistance with investigating fraudulent XXXX  transactions totaling {$11000.00} that were sent from my XXXX XXXX XXXX account . 
I recently received a response from XXXX XXXX  XXXX declining to honor my claim or provide any substantial assistance. According to their letter, they stated that my claim was not received within the required one year time period from the date of the unauthorized transactions. However, their terms and conditions do not stipulate any such time restriction for investigating claims of fraud. 
As the regulatory body overseeing XXXX XXXX XXXXXXXX 's operations, I urge the XXXX XXXX XXXX to look into how they handled my case. It seems unethical for a major financial institution to dismiss a victim of fraud simply because arbitrary time limits have passed, especially when no such limits are disclosed in their own policies. 
I have provided all necessary evidence and information to XXXX XXXX XXXX, yet they declined to conduct a thorough investigation or trace the flow of stolen funds. As a U.S. citizen and customer of XXXX XXXX XXXXXXXX for over 15 years, I believe I have the right to expect legitimate assistance when large sums of money have been stolen from my account through fraudulent means. 
XXXX  XXXX XXXX has a duty to ensure that financial institutions under its purview are operating ethically and treating customers fairly. I hope that you will look into XXXX XXXX XXXX 's handling of my case and take appropriate action to compel them to properly investigate the fraudulent Zelle transactions. Victory against fraud requires diligence and perseverance on the part of regulators just as much as financial institutions and their customers. 
Please advise me on any further steps I can take or information I can provide to facilitate your investigation into this matter. I look forward to your prompt response. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UPGRADE, INC.
State: MO

Complaint narrative:
Upgrade requires me to take a picture with a sign containing my personal info and my drivers license just to change a phone number. I moved and cant access my account online to get it closed out because UPGRADE refuses to change the 2 step verification process to my new phone number. Ive sent them multiple emails with the requested information. They are violating hippa & privacy laws. I have never seen such HORRENDOUS requirements to get a phone number changed just so I can access my account. 

Who knows how many others are locked out like this and can not access our money. This company needs to be investigated and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my 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 non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my 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 non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AL

Complaint narrative:
I received notice of an account with XXXX XXXX  in XX/XX/2022 in the amount of {$1700.00} and it appeared to be open in the summer of XXXX. This was first statement and it was months past due. I have 1 XXXX account with Mobile and home internet and a second account for a second residence. Both of these accounts are current and I pay every month and don't need a second account for mobile services because all my phones are on my current account. I reported it as fraud and identify theft with FTC and with XXXX and then put a fraud alert on credit bureau. I have provided XXXX fraud affidavit, ID showing myself, and the filing with FTC. They continue to deny it is fraud and keep reactivating it on my Credit Bureau. Their system is so convoluted that they only allow for you to submit the information through a portal and you are not allowed to talk to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
In XX/XX/XXXX Forster and Garbus LLP sued me in state supreme court without properly informing or notifying me, and as a result I am now over three years later being threatened with wage income execution for a debt which has since been disputed and has since been removed from my credit as recently as of XX/XX/XXXX. With the firm having meaningful attorney involvement in the process and executing such orders improperly during the validation periods is a direct result of my suit and the impending wage income execution which was unlawful. 

A week ago, the local county law enforcement was paid less than XXXX dollars to serve this, to which they didn't even obtain a signature and left it in a general mailbox. The sheriffs office has refused to address the lawsuit pending against this law firm for violations such as this with the FDCPA, FCRA and other laws to protect consumers against UDAAPs. I do not have the means to sue the firm or my county to prevent this execution from happening, so I am turning to the CFPB to hopefully corroborate the Unfair, Deceptive Abusive Acts and Practices of Forster and Garbus LLP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Experian This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be validated or removed immediately : 1. FCRA 15 U.S.C. 1681i- ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED. I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS. 
XXXX  XXXX XXXX Account Number : XXXX I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY FROM MY CREDIT REPORT YOU NEVER PROVIDED ANY COPY OF THE VERIFIABLE PROOF THAT YOU HAVE ON FILE FOR THIS ACCOUNT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Remove all at once. 
3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Remove all at once. 
4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account.

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