vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
My Regions Checking Account has been compromised due to the following unauthorized charges made via XXXX XXXX XXXX {$1500.00} XXXX {$940.00} XXXX {$600.00} XXXX {$190.00} XXXX {$100.00} XXXX {$100.00} I have spoke with representatives from Regions Bank on several occasions -- and they have concluded to NOT provide any credit to my account because all the transactions passed a " fraud analysis. '' When I asked Regions bank to provide more in depth information on the process of this analysis, they responded with the resolution that I needed to reach out to XXXX XXXX. This has been an on going issue for the past month, as I have tried reaching out to XXXX XXXX in which automated email responses have been the form of communication from this vendor.

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 2020-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
To Whom It May Concern, Im writing to you because I noticed that my most recent credit report contains a late payment reported on 2019 XXXX, XXXX, XXXX, XXXX, XXXX for my Fedloan account. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I had lost my job and moved to XXXX NC. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for, and it has come to my attention that the missed payment on my credit reports could hurt my ability to qualify. In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on 2019 XXXX, XXXX, XXXX, XXXX, XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! Thank you for your consideration. Have a blessed day!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/27 I noticed a pending charge for XXXX that I did not authorize for {$110.00}. 
I contacted XXXX and they confirm that this was not a valid charge on my account but to contact PNC ( my bank ) to start a dispute. 

I contacted PNC on XXXX after the amount was posted on the account to dispute the charge. The reason was that I did not make this transaction and this was a fraud purchase. 

I spoke to several reps that informed me although this transaction was unauthorized, that they can not refund the amount charged. 

I am contacting the CFPB in order to step in as under good faith I decided to bank with PNC under their fraud protection. Yet when I need it at the moment, they can not provide the feature they are advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a checking account with TD Bank. On XX/XX/20 I was charged in XXXX with several unauthorized transactions. The amounts were {$400.00}, {$390.00}, {$350.00} and {$840.00}. The company that charged me these amounts was XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. As you can see this company is a food company. How am I going to buy all this food in one day? 

I filed a dispute with TD Bank and they said that these charges were valid. I refused to pay these amounts because they used the information of my debit card to rob me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX Im trying to withdraw {$600.00} from ATM in XXXX, Illinois, location. As usual process, I insert my ATM, less than 5 minutes ; I dont receive any funds from the ATM. Ive decided to go inside the branch and told the teller what happened what he did is he gave me {$600.00} cash from my account little I didnt know that instead of giving me my {$600.00} ; they took another {$600.00} from my account, when I checked my receipt, I looked like I withdraw {$1200.00}, but in reality I only got {$600.00}. One of the banker help me to start the dispute process and she promised that they will credit my bank on same day. 
I checked the next day and still, money is not available, I took more than 1 week to return my money. 
On XXXX Ive noticed that they took {$600.00} from my account I called the customer service and she said that they denied the dispute because that there is no discrepancy in their ATM machine, I told them that they look back on the camera by the ATM the day that I did my transaction and they will see that I did not get any money from the machine, I even told them that I did not steal money from them, I worked hard for my money and I live paycheck to paycheck and I need that money to pay for my rent, but the supervisor said she cant do anything and I have to wait 30 days for their decisions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: MS

Complaint narrative:
According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. 

Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, Transunion., XXXX and XXXX are in violation of my rights and is subjected to a law suit under these laws/

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 2020-10-05 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: PA

Complaint narrative:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.

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 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/2020 Wells Fargo place a hold on my check of the amount of XXXX wells Fargo in XXXX Ga I can not release my funds XXXX 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 2020-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Aid Foundation
State: GA

Complaint narrative:
Good afternoon, I believe that the Student Aid Foundation XXXX XXXX and it's registered agent and manager, XXXX XXXX, has made several indecent and potentially fraudulent business practices that need to be investigated. For many years, Ms. XXXX has proven to be unorganized, unprofessional and lacking any willingness to resolve matters quickly and timely. She continuously failed to provide any timely communications or transparency regarding my loan account. From the inception, Ms. XXXX sent me a past due notice when I received no prior communication for any invoices or payment deadline. She has also managed to send me an email related to another individual 's loan account in which I was not the intended recipient. As of XX/XX/2020, I learned that approximately {$730.00} of my monthly payments were missing from my account. It was through a " Past Due Invoice '' I received for past due payments of {$730.00} was when I learned that these payments were not properly reflected on my account. Due to my immediate concern, I contacted the CEO, XXXX XXXX, and also a financial adviser, of this issue. To date, Ms. XXXX and Mr. XXXX have failed to not only advise me of what happened to the payments made on the dates that my money was withdrawn, they claimed to not know where my payments went, and alleged that I did not make those payments. I have attached copies of statements which shows the select payments were withdrawn from my bank account. I am extremely concerned of the business practices of this Foundation, and have suspicions that fraudulent activity has occurred with the payments that I made. 

I would appreciate a quick response from the investigator to ensure that this will be thoroughly reviewed and investigated timely, as I believe that these individuals do not have any interest in cooperating. Thank you for your time and consideration. 

Sincerely, XXXX 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 2020-10-05 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I was billed for a purchase made on XX/XX/20 ref # XXXX for XXXX from a company that doesn't exist except on the internet called XXXX. I tried contacting XXXX they wouldn't reply. I disputed the charge in XX/XX/20 with Bank of America. They advised me they would not remove charge. I contacted my Attorney General office, XXXX would not reply to them. I want my 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 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Today XX/XX/2020 i have called Equifax and spoke with 2 different phone reps about removing the security freeze on my credit file. I have tried to apply with a lender for auto financing, and was told that they could not pull my report ( last week of XXXX ). Equifax has denied that any form of security freeze is active on my credit file. 

Steps I have taken : I PAID for a credit report from XXXX - Shows that my equifax credit report is frozen Per the Equifax website/Single Bureau Lock. ( Equifax Complete Premier Plan ) -  states " Your Equifax file is frozen under state freeze law or the Equifax voluntary security freeze program. '' Per the MyEquifax website portal, also states under Credit Report Status, that " Your Equifax credit report is frozen. '' The auto lender also stated my credit file was locked or frozen, and that they were unable to pull my credit for financing due to lack of equifax report. 

That is 4 different instances that leads me to believe my file is frozen, yet i am unable to escalate with equifax via phone to receive more support or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I contacted Equifax on XX/XX/XXXX to dispute XXXX XXXX XXXX XXXX collection of XXXX. The account was reported on XX/XX/XXXX and the original account belonged to XXXX XXXX in Florida. I moved to North Carolina on XX/XX/XXXX, and had not been back to Florida since then. I had not been to XXXX XXXX since XXXX and the original account was opened on XX/XX/XXXX. 

I also contacted Equifax on XX/XX/XXXX to dispute XXXX XXXX XXXX XXXX collection of {$73.00}. The account was originally from XXXX XXXX XXXX and was opened when I had moved to North Carolina. I did not have any accounts with XXXX XXXX at that time and filed a report with FTC stating that this account was opened as a result of identity fraud/theft. 

I also contacted Equifax on XX/XX/XXXX to update my name to XXXX XXXX as I had gotten married. I sent over my driver 's license, social security card, and my marriage license and I received the dispute results telling me to upload my driver 's license, social security card, and marriage certificate but did not tell me where to submit my documents again and did not update anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: OH

Complaint narrative:
TransUnion : In XX/XX/2020 I factually disputed 4 medical collections shown on my report. TransUnion mailed me my investigation results clearly starting that all the collections I disputed were DELETED from my credit report. 
I followed up by pulling my TransUnion report again there following month and the collection items that I had factually disputed were not deleted from my credit report, as TransUnion 's investigation results mailing started they were. 
So, in XXXX I CALLED TransUnion & spoke to a rep, provided here with all account # 's & amounts for the collections they claimed to have deleted from my report & she ASSURED me that those 4 collection accounts were in fact, deleted. She said she would send me my credit report which I recieved within that week & those 4 collections are STILL reflecting on my TransUnion credit report. 
Not only are they not deleted as TransUnion promised they were twice ( by mail & by phone ), in the 'Remarks ' section of each collection, it does not even state " Account Info Disputed By  Consumer '' as it should & that in itself is a violation. I was led to TWICE by TransUnion & this is affecting my ability to obtain a home loan to provide a stable life & housing for my young XXXX & I.

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 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nudge Funding, LLC
State: TX

Complaint narrative:
Its been 4 months and still nothing from Box Loans. Enter at your own risk, Beware of these guys. You're better off keeping your current mortgage vs. attempting to complete a refinance with these guys. Not consist and always have an excuse for their mess ups. Management needs to realize that the people representing this company is a reflection of them. But again, when you're making money, giving people the run around, and lying to cover your tracks, I don't think one customer would make a difference to them. Four months to complete a simple refinance is unacceptable, but again its due to COVID-19. These guys have yet to say, we are weak, don't have the man power to make thing happen in a timely manner. Just man up and say we XXXX  up, and we are very sorry for the XXXX  we are giving you. As of today, I am still waiting on a REAL manager or the President/CEO of the company to contact me regarding the several issues I am experiencing. This has cost me time and money, not to mention I was going to give them two more properties to complete on my behalf. I have gone through 3 seasons and still don't have this loan completed. It doesn't make sense for my clients or friends to start a refinance 2 months after me and complete it a month ago, and got better over customer experience/customer service. I will have my attorney file a formal complaint within the federal and state level regarding this matter. Your action throughout the entire process has lead to conclude I am a victim of discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Sir/ Madam, I am writing to re-dispute two charges on my account in the amount of {$300.00} and {$940.00}.

I did call a chase customer service and I discussed with a  representative her name is XXXX and she was unprofessional, unhelpful and she has an attitude. 
I told her I got a letter from chase asking me to send me additional information before the deadline XX/XX/2020 and she told me sorry sir we closed the case in XXXX favor! Without waiting for my additional information. On XX/XX/2020 I saw a rebill of {$300.00} and {$940.00} posted to my account. 
Can you please close this case in my favor and credit me again those 2 charges? Because I already returned the items to XXXX and Enclosed are copies of : 1.The shipping label that XXXX has provided to me to return the items back. 
2.Screenshot from XXXX website stated that the weight of the package was 6.3lbs / 2.86 kg when I dropped the package at XXXX   location and when they received it and confirmed it on their website on XX/XX/2020. 
3.Screenshot from XXXX  website stated that there was a shipment exception ( Barcode label unreadable and replaced ) on XX/XX/2020. 
4.An email from XXXX on XX/XX/2020 stated that the refund will be on my account within 10 business days.

5.An email from XXXX on XX/XX/2020 asking me to send the screenshot of the tracking details so XXXX can prove that I sent all the items back to them ( Notice : I sent to the XXXX the Screenshot from XXXX website stated that the weight of the package was 6.3lbs / 2.86 kg when I dropped the package at XXXX location ) 6.An email from XXXX on XX/XX/2020 stated that the return was successful, and the refund will take up to four business days to be reflected in my original payment account ( They send me this email after they got my screenshot from XXXX website stated that the weight was 6.3lbs ).

7.An email from XXXX on XX/XX/2020 stated that there will not be any chargeback related to this order XXXX. 

Please investigate this matter and correct the charges as soon as possible. I would appreciate a response from you in writing. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/25, I tried to withdraw from my checking account using ATM, I was been informed that Transaction Denied and was asked to call Chase for further details. I called chase on XXXX, the representative told me that my account is closed by the chase as the final decision. Before that phone call, I even did not know this desition. The bank told me that they have the ability to close one 's account without the authorization from the customer when I asked why I did not get any warning or inform about account closing. No emails, No SNS, No phone calls. The remaining credits in this account will be mailed to me in cash and the mailing is the only way. That is a large amount of money and I already told the bank I am not the only one who uses the mailbox, additionally, the bank can not track the shipping processing, the safety for the money can not be guaranteed. The bank asked me to keep eye on the mail person and mailbox. On XXXX, I called to chase, they found the excuse that their system has some issues and hanged up my phone call after I described the entire story about this accident. 
I am very angry at the way this was handled and their attitude towards this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: Lending Club Corp
State: CA

Complaint narrative:
Please forward this to LendingClub!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc.
State: MI

Complaint narrative:
Received a letting in the Mail on XX/XX/XXXX from MEADE & ASSOCIATES INC for a debit owed of XXXX in my name. I called that day and spoke with a " XXXX '' ( would not provide his last name. I informed him that this was not my Debit and they have the wrong person. I asked him to send me any Doctumation they have in this case. 

Received the requested documents on XX/XX/XXXX showing that there was a {$3500.00} billed amount that was paid. It also had a signature that was not mine. 

I called XX/XX/XXXX and spoke with " XXXX '' I asked if he looked over the Doc that he had sent me and he informed me he did. he was not able to Identify where the {$1200.00} came from. I said that was not my signature anyway and that I could provide a copy of my official signature from my license but he was not interested. I asked to please remove this from my name. He informed me he would put it in " disputed '' and to file a police report and get an affidavit sent to him. He refused to send me paper work saying this is distributed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation