vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a business and personal account with this bank. I have deposited over {$10000.00} thus far without issue. I have been in business over 2 years without issue and with a B rating on the XXXX  as well as a 4.9 out of 5.0 rating on XXXX. I have maintained a business with integrity and honesty. When I opened my account it was frozen for weeks due to a security risk from e-checks. I provided all documents to prove my customers are real, including signed contracts for each. I have included my {$75000.00} bond information as well as my registration with the department of Transportation and the federal motor carrier safety administration. The bank decided to freeze my account due to echeck and asked that I take ach payment. I agreed to do so and stopped all business while they set up my ach. They took several weeks, then told me to continue with echeck while I waited. They then said they would not allow me to take ach and I must stop taking echeck immediately. I gave the contact information for each customer including name email address and phone number for them to verify. I believe being a XXXX XXXX XXXX had been the main issue with me being blocked from operating. They claim because I have no business credit that they can not allow me to operate through their bank, yet Ive been over 2years in business even surviving the pandemic. I cant imagine how a XXXX XXXX XXXX would up credit to their satisfaction. They seem to have an issue with my particular XXXX  and I truly fee its because its XXXX XXXX. I would advise any XXXX XXXX XXXX of any race to avoid this bank. Ive wasted over a month doing everything they ask, and putting my XXXX  on hold only for them to make false excuses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
Quicken Loans senior banker agent XXXX XXXX ( based out of the XXXX office ) completed a hard credit pull on me without electronic, written, or verbal consent. No application was filled out either. After I told XXXX that I did not give consent for a hard credit pull, he stopped replying to my messages, and I was not able to resolve the mistake. I have also spoken with XXXX, XXXX, and XXXX who told me they spoke with XXXX in an attempt to discuss the situation with me, and again he refused. I have tried my best to resolve the situation with the company, but have unfortunately been given the run around. 
Also as a consequence of their mistake, I have been harassed by numerous unsolicited phone calls from competing mortgage companies citing that they noticed my credit was pulled by a mortgage lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: WV

Complaint narrative:
I have been experiencing multiple issues with my home mortgage loan application and processing. Loan officers would not respond to my e-mails, reps informing me that I would receive a phone call from a supervisor within 48 - 72 hours and never received a call back, etc. 
I have been working with XXXX XXXX 's team with horrible communication breakdown. 
I received a voicemail from XXXX on XXXX requesting a call back. I e-mailed XXXX reminding her that my preferred method of communication was e-mail. And if this matter had to be discussed over the phone. If it was a matter that had to involve a phone call, she could leave me a detailed message and I would respond via e-mail. I have not heard back from XXXX. I left a voicemail to her supervisor, XXXX and also an e-mail on Friday, XXXX. I have not heard back from XXXX on Friday, XXXX and I received another e-mail from XXXX  requesting additional documents including my home insurance documents. My home insurance company contacted me stating that he needed more information on order to submit what PNC was requesting. However, no one was responding and he could not submit the required document. 
XXXX finally contacted me on Tuesday, XXXX and stated that she never received my voicemail not my e-mail. While talking to XXXX, she never apologized for anything, had lack of sympathy, and appeared to be apathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Netspend Corporation
State: TN

Complaint narrative:
On XX/XX/2021, my minor daughter, age XXXX, received a pre-printed " real '' Prepaid Mastercard from Netspend, issued by XXXX, via U.S. Mail. My first major complaint is the solicitation of a minor. As far as I can tell reading online, this is illegal. 

Secondly, there is nothing clear in the package that indicates this is an optional " offer '' but instead looks very much like she needs to accept this card in order to keep receiving her paycheck, now as a direct deposit from her employer. 

Third, there is a very hidden {$1.00} per purchase fee ( or {$9.00} per month fee ) to simply use the card. There are also ATM withdrawal fees, cash reload fees, ATM balance inquiry fees, and even an inactivity fee of {$5.00} per month after 90 days of no transactions. 

This card is clearly designed to take advantage of people who do no read fine print, and especially in this case of unaware minors. 

There is no live customer service phone number, only a number to activate the card. After searching online and trying various phone menu options, I finally reached a Netspend rep and complained. She told me to simply ignore the card and throw it away. That does not take care of any of the issues I just mentioned above. These are shady, illegal practices that are at least partially directed at children.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
As a consumer of TD Bank, I faced disrespect and disregard from the actions of this banking institution when attempting to make a simple payment on my credit card account. Mind you, Ive made electronic payments since the beginning of having my credit card account. This is my first time initiating a payment ( 1 ) in person at a local TD Bank ( 2 ) by mail.

My first attempt resulted in rude customer service by a bank teller the Washington, DC XXXX XXXX XXXX XXXX location, who refused to make the payment transaction ( meaning actually accept, look, read, and comprehend ). She also did not accept all paperwork accompanying my payment check when I submitted the check to her ( which was a letter from my mortgage company that per their instructions, directed me to submit upon payment on my account ). Ive included the completed, deposit slip that the unprofessional bank teller gave me, as she gave back my check, and directed to me mail the payment. 

Note that prior to arriving at that XXXX DC TD Bank location, I visited XXXX XXXX  and XXXX  XXXX XXXX via the exact same credit card payment process ( with checks issued from the same company along with the mortgage companys letter ) and had no problems. Both banks customer service was top-notched unlike TD Banks XXXX DC location! 

I mailed the check certified, along with the letter from mortgage company to TD Bank on XX/XX/2021. They received it on XX/XX/2021. See copies of certified and signed documents. 

On XX/XX/2021, I received a letter from TD Bank stating they never received a payment. Completely unacceptable!! Moreover, the fact that TD Bank has no electronic and/or online direct customer dispute and/or procedure that allows customers to respond in situations like mine is concerning. There are no options to download and send via email anything to TD Banks customer relations department. It is 2021 and this absurd. 

Per customer service Rep that I spoke with today, XX/XX/2021 : mail in a copy of the check that was submitted as payment. Hence, this letter of complaint with all my documentation. I request that this matter be solved immediately along with dissolving any fees and/or credit reporting or misleading information that state any late payment references.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC
State: OR

Complaint narrative:
Respected Sir/Madam, Below was the situation I'm forced into during the Mortage Closing by " Keller Mortgage LLC ''. 

I've started my home mortgage loan application with Keller on XX/XX/2020 and the initial Mortgage Insurance ( MI ) amount was quote as {$110.00}. 

Later, we have scheduled the closing and title transfer on XX/XX/2020 at XXXX XXXX PST. The Keller Mortgage sent the Closing Disclosure ( CD ) on XX/XX/2020 and the mortgage insurance mentioned as {$110.00}. 

On XX/XX/2020 at XXXX XXXX  PST, Keller Mortgage issued an update to the CD with a mortgage insurance increase of {$120.00}. 

There's a difference in the MI that I've noticed at the title office while reviving the documents. As per the title officer, I need to sign the document right now to get the loan and talk to the mortgage company later to resolve the same. I don't have the time to resolve the issue at the title office hence I've been forced to sign the documents. 

After coming home, I've contacted the loan officer and his supervisor regarding the increase in the MI but after a couple of days of conversation, I was told that the loan has been closed and there will no changes anymore. 

I really felt frustrated and helpless due to the loan officers ' mistake and how they handled the situation. 

Please let me know if you need any further documents. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My name is XXXX XXXX, I am a Citi checking account ( account # : XXXX ) holder, as well as Citi credit card holder for nearly four years. I applied the Citibank Account Package on XX/XX/XXXX via a promotion page and got approved. Upon approval, I got the account and routing number, transferred funds details, as well as a welcome emails ( see attached ). I also got my debit card shipped to my address very soon and set up a online user ID to manage it. 

On XX/XX/XXXX, however, I am locked out of the online login and later discovered via phone chatting that my new checking account is closed by fraud department, citing that the bank can not verify some information. However, Citibank refused to disclose to me the details of the closure, nor was I able to speak to anyone who has the right to share information. From the very beginning of my account application, the process is done by myself and there is no fraud activity involved. All the provided information is true and genuine. My credit report is also unfreeze, unlocked and in good conditions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: NC

Complaint narrative:
The three credit bureaus continue to allow XXXX XXXX XXXX to report XXXX medical bills on my credit profile, due to HIPPA violations, but they refuse to fix the glaring issue. This collection agency is revealing specific information about the medical facilty where the bills originated to be seen by potential creditors. My medical information is private, and this collection agency continues to violate my rights of protection, covered under this federal law. I have made repeated attempts to have the credit bureaus take action to correct this issue, but they continue to be complicit in allowing this collection agency violate federal HIPPA law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The three credit bureaus continue to allow XXXX XXXX XXXX to report XXXX medical bills on my credit profile, due to HIPPA violations, but they refuse to fix the glaring issue. This collection agency is revealing specific information about the medical facilty where the bills originated to be seen by potential creditors. My medical information is private, and this collection agency continues to violate my rights of protection, covered under this federal law. I have made repeated attempts to have the credit bureaus take action to correct this issue, but they continue to be complicit in allowing this collection agency violate federal HIPPA law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX ( not I repeat not no my biological father-birth certificate-it 's fraud-two different ages-do n't know who this person is-why do I have to answer security questions in order to pass a security credit report question??? ), XXXX or I have no idea who these people. I have to keep answering questions from companies in order to pass a security credit report question. I reported, have tried to fix this problem. No a clue who these people are on my credit report. How can I answer questions about people I do not know, never. I did not grow up with them, don't know them. I am constantly reporting names I do not recognize-Tennessee. No I grew up in NY my whole life or XXXX XXXX. Never before XXXX did I have to answer questions about these people before. Why all of a sudden within the past couple of years for people who's personal info I do not know. 
Including XXXX XXXX XXXX is not my address in XXXX XXXX tried reporting but for XXXX to XXXX that is reported as an address. I am constantly reporting names, Addresses, places I never live, including someone with my identity using my name altered. That is truly weird for the past few years reporting names that never had to be answered before, all of sudden then in XXXX all this weird ( me the victim ) exhausting myself trying to report again, again to authorities.

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 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed both of my credit cards with no notice and confiscated my Thank you points. They claim the reason was due to security risk. I have never been late with any payments. Always paid in full. No blemishes on my credit report, XXXX fico.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: OH

Complaint narrative:
On XX/XX/2021, I filed an dispute about incorrect information showing on my credit report and it's be well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2021, I filed an dispute about incorrect information showing on my credit report and it's be well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: NC

Complaint narrative:
On XX/XX/2021, i made an online purchase from a store called XXXX for products for my business for the amount of {$60.00}, after checking out i received no notification on when i'd receive those items, so i went back to the website and tried to contact the seller, through its Contact Us page, but the email is not in text form .... its a photo picture of the email, so i emailed them ... ..then i XXXX that email and thousands of reviews said the website is a scam and set up to look legitimate and its fake, so i logged into XXXX to make a complaint and XXXX  denied my claim. 

So on XX/XX/XXXX i immediately contacted Chase credit card services to put them on notice, that i unknowingly made a purchase on a scam website and to stop payment, they refused and told me to wait 7 days, so i agreed, then i called back after the 7 days and was told by a supervisor named XXXX on XX/XX/XXXX that i needed to wait 45 days to give the seller an opportunity to deliver. 

I feel i'm being discriminated against because of i'm a XXXX male its my race and gender, and if i were a white male or female with a different type of chase credit card, i would have received a refund back to my account much sooner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 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: CA

Complaint narrative:
I have filed 6 disputes with Equifax to have a negative account item number 4.7 on my report from US Dept of Education/XXXX ( XXXX XXXX XXXX ) to be removed from my report as it is past seven years, was since XX/XX/XXXX, or updated to show status as not past due and removed from negative standing. This account was transferred and sold and I have been making payments so account is not in past due or default status. I have a letter from Department of Education stating that this should be removed as well which I submitted. This creditor was removed from XXXX and XXXX but Equifax continues to give me a hard time. I have contacted them multiple times and finally they removed the account on XX/XX/XXXX but then in XX/XX/XXXX they added this account back on my report saying the creditor requested it to be added back on. I have contacted equifax several times and they cant ever find my dispute or the documentation and keep referring my back to the creditor. I called the creditor 3 times and they say they did not report anything to my credit report as I no longer have any accounts with them as they show my accounts have been transferred. No one will help me straighten this out and it is affecting my current student loans as I am in XXXX school and as well need to send my 17 to college. The account status of this account is incorrect as it is not over 120 days past due as it has been sold and transferred and has been making payments on. This account should be deleted from my report and equifax is the only one that is not working on this and ignoring my disputes and keep losing my documentation that is sent in now over 6 times. I ask to speak to a supervisor and they just keep me on hold for an hour with no check ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/21 my XXXX  partner and I opened a XXXX banking account at Chase bank on XXXX XXXX in XXXX, NY with a man named XXXX. I deposited a check from my employer for our initial deposit. The money was taken out of my employer 's account and never deposited into mine. When I called to find out why, Chase told me that the check " did not look like others '' my employer had written. Not only have I never had a problem like this with another institution, my employer can verify that that statement is a flat-out lie, because she does not write checks to anyone but me and therefore Chase has never seen one of her checks. That aside, after calling Chase multiple times and having them verify with my employer that the check was legitimate, they are still refusing to give me my money. They have closed my account and are holding over {$4000.00} in limbo. Not only should they not be able to hold money in limbo, they also should not be able to close my account without my permission ( in a case like this ). Every time I call I have to remain on hold for very long periods of time. Every time they call my employer to REPEADELY verify the check this looks bad for me and is a hassle for her. Not only has this process gotten us nowhere, we do not have time for this.

Company response to consumer: Closed with non-monetary relief