vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: SBG Financial
State: DE

Complaint narrative:
Wensday  I entered UNITED CHECK CASHING IN  XXXX  DELAWARE to cash my tax refund  XXXX   XXXX  well every thing went ok untill i ask for my money well they told me come back and we will have your money so i think nothing of it and say ok so i go back and i am told that they can give me  XXXX  oo and  XXXX   XXXX  dollar mony orders and a prepay card with  XXXX  oo Ok so i said ok and agreed with it so it went well i spend  XXXX  oo of this money and the very nex day  i w ake up and all my money from the pre pay card was swipped clean levind a  XXXX  balance so like anybody would do i called the number on back of the card and the card respond that sorry you need go back where you had gotten it Ok so same  day i call car d i call UNITED CHECK CASHING and ask them what happin to my money they where friendly enough so they tell me oh yes we take the money of the card and that i should bring the money orders back so curious i ask WHY? The reply was " WE ARE GOING TO CASH YOU OUT AN D JIS G IVE YOU YOUR MONEY " So i say ok be rite in well then i arive to the place UNITED CHECK CASHING to get my money and when i arrived they took all my money back and say i have to PAY THEM for what it was my money then i ask if they can return my check and they say " IT GONE " of course im gon na ask what? they told me come b ack the next day and i get my check back well guess what i only got a copy of the tax check and noticed that it was allready deposited to there acct stamp and every thing so yhen i ask my personal papers  an W2 forms with my ssn and my kids ssn also my husbands ssn and the y reply OH NO WE GON NA HOLD ON TO THIS IN CASE YOU TRY TO GET US IN TROUBLE " '' SONOW I GOT NO CHECK NO MONEY AND TJEY WANT ME TO  PAY THE REST OF MY OWN MONEY WHAT THEY CRAZY THEY NEED GIVE ME MY  XXXX  back what should i do to get my money back the check was already signed by me and my son whom my husband gave his concent on video chat with the teller at the UNITED CHECK CASHING IN  XXXX  DELAWARE  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
I was alerted by the fraud department that my Direct Express debit card issued by  XXXX  for  XXXX  payments had been charged excessively in a short period of time. I asked them to cancel the card and I filed an official dispute complaint with them. This was  XXXX   XXXX ,   XXXX  . The charges were made from a foreign country and I was told the investigation would take up to 90 days. I have called periodically and furnished them with detailed transaction information. I learned the fraud company had used  XXXX  to access my funds which were taken from the Direct Express master card. So I also filed a complaint with  XXXX  per Direct Express instructions. I was refunded partially by  XXXX , they explained that they could not recover all the funds as the money was not in the fraudsters account. So I went back to Direct Express. They told me that they had stopped investigation since  XXXX  had issued partial refunds. This is unacceptable. I had over {$2500.00} taken, all in small amounts of  XXXX ,  XXXX ,  XXXX ,  XXXX  etc. amounts. About 50 transactions. I believe I have been refunded only {$300.00} or {$400.00} thus far. Every time i have called Direct Express I have not been able to get them to release the remainder of my money. I am  XXXX , I need to pay my property taxes which are now overdue. I have no other income source or savings and I can not afford to take this huge loss. I have faxed the information to DIrect Express and  XXXX . I have tried to be patient. I have asked for them to escalate my issue at Direct Express. I have been told I can not directly speak to anyone in the fraud department or a manager. I have to call them. I live in a remote part of the   XXXX   XXXX   and have to be driven into the closest town , 25 miles  away to get a good enough cell signal to talk to them at the number printed on the back of the card. Can you please find a way to help me recover the rest of my funds? I called them  three  times  XXXX   XXXX , and the call kept getting disconnected when they put me on hold. I begged them to call me back if they disconnected me and they said they could not make outgoing calls. I have received no mail or calls from them. All the contact I have made has been me calling them asking for a status update. I ca n't keep waiting and re explaining myself every time. I am taking daily prescribed medications that make me groggy. I do n't have anyone to help me fight this battle. If this was a normal bank I would have been given some kind of provisional credit to use while the investigation was underway. I have a hard time expressing myself and sense of urgency in a way that gets results. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Card number ending in  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Texas  XXXX  Las t 4  of SS #  XXXX  I am reporting a matter that I am having with Regions Bank. I was scammed by a company claiming to provide work from home services but the program is not legitimate. I informed the bank and they are refusing to honor a legitimate claim.     (  1 )    XXXX   XXXX    XXXX  {$7.00 } ( 2 )    XXXX   XXXX    XXXX  {$19.00 } I need t hese funds returned at once. Please assist me in this matter.

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 2017-04-25 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:
I have contacted Equifax o ver 20 times con cerning the vast amount of Fraudulent Accounts on my credit Report. I have submitted FTC Identity Theft Affidavits, Police Reports, etc. and I have received the run around about having the fraudulent accounts removed. The following accounts are fraudulent and have been reported to the police and the FTC : Accoun ts : 1  )  XXXX  Acct #  XXXX  {$1200.00} 2 )   XXXX   XXXX   Acct   # :  XXXX  {$0.00}  3 )    XXXX   XXXX  Acct  # :  XXXX  {$0.0 0} 4 )   XXXX   XXXX    XXXX   Acct # :  XXXX  {$1200.0 0} 5 )   XXXX   XXXX   XXXX  Acct # :  XXXX  {$2900. 00} 6  )   XXXX   XXXX  t Acct # :  XXXX  {$990.00}  7 )    XXXX   XXXX   XXXX   Acct #  XXXX  {$92.00 } 8 )    XXXX   Acct # :  XXXX  {$840.00} Unauthorized Inquiries  : 1 )    XXXX   -  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX   XXXX  )   XXXX     XXXX  & CO  XXXX / XXXX / XXXX   3 )   XXXX    XXXX    XXXX / XXXX / XXXX   4  )  XXXX   XXXX    XXXX    XXXX / XXXX / XXXX  Police Report is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
on  XXXX   XXXX ,   XXXX   i settle a debt of  XXXX  dollars for  XXXX  dollars, they were supposed to take it off, of my credit report, but they did n't they still show that i owe a  XXXX  dollars. I call them various times and asked to be fixed they always tell me that it is being updated but it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Progressive Financial Services, Inc.
State: FL

Complaint narrative:
Over the last  2-3 years  have had numerous collections accounts appear in my name and social security number on all  XXXX  credit reports fro m 2 differe nt collection agencies,   XXXX   XXXX   and as of lat e, Progressive Financial Services ou t of  XXXX  AZ, representing  XXXX   XXXX  in   XXXX   XXXX   XXXX  OK for I assume, cable services and equipment. I 've never lived in, been to or know anyone in Oklahoma. The same thing has happened to my mom and father. I literally just had an account with   XXXX   XXXX   removed from all  XXXX  of my credit files within the last month. I just checked my credit today and  XXXX  is showing this new account with  Progressive Financial Services. I  assume  XXXX  and  XXXX  will end up reporting this account as well. The reason I 'm filing my complaint through CFPB is because I am emotionally exhausted from having to deal with the collection agencies,  XXXX   XXXX  and all  XXXX  bureaus. I 've already warned the original creditor to remove any current or past due accounts in my name and social security number from their systems or I will take legal action. All together, since  XXXX , there has been 8 collection accounts reported to all  XXXX  credit bureaus under my name and social security number and all of them have been accounts with the original creditor  XXXX   XXXX    XXXX    XXXX  OK. I live in  XXXX  and have for my entire life except for 13 months from  XXXX   XXXX  through  XXXX   XXXX   XXXX  when our family moved to   XXXX   XXXX   to care for my terminally ill grandfather. We moved back to  XXXX  in  Mid   XXXX   XXXX  and have lived here in   XXXX   since. Until this morning, my credit scores were just south of  XXXX . Now my scores have taken a large hit because of these collections accounts. Please do something to stop this from happening again and again.

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 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received an advertisement in the mail from Capit al One 360 S tating that if I opened a new ca pital one acco unt, entered the Code "  XXXX  '' and receiv ed 2 direct depo sits of {$250.00} or more I would received a {$400.00} account Bonus. I opened the account, I was targeted due to being a new resident in the  XXXX  area and I have received FOUR direct deposits since opening the account, as of today I have not received my bonus deposit of {$400.00}. I have called capita l one 360 multiple tim es and have received a difference answer everytime  I call. I have met ALL of the requirements and there is no reason for them to withhold my bonus any further. I feel as though capital one has defrauded me, I would have never opened an account with them if I would have know that they would give me the run around concerning an advertisement that they sent me. I just would like my bonus and to be able to have a good banking relationship with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I 'm constantly hit with late fees on my Toys  R us Store card.  The latest being  XXXX . In  XXXX  I was hit with a {$35.00} late fee so I signed up for automatic draft from my bank. The site told me to continue making payments until I receive notice that it went through. So  XXXX  I ma de 2 payments 1 using  an outside banking app and the second on the company website. I used the same saved bank info that I used for the recurring payments so nothing was changed. The payments went through with no problems. In  XXXX  I made a payment on the outside app. So in  XXXX  the recurring draft went through and the money was removed from my account. Now I 'm told my payment did n't go through and I 'm charged a {$35.00} late fee.

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 2017-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX   XXXX   XXXX   who identified himself as the Legal Assistant with  XXXX ,  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   XXXX  . LPA sent a e-mail to prosecutortaxenty, which is the e-mail of   XXXX   ,   XXXX   , Assistant Prosecuting Attorney of the Civil Division-Tax Unit.
This e-mail was sent on Tuesday,   XXXX   XXXX   XXXX   at   XXXX   XXXX   Within the body of the e-mail it stated the following ; Third Federal S & L vs.   XXXX   XXXX   XXXX   et al Case No.   XXXX   Our File :   XXXX   Good morning Please see the attached proposed Judgment Entry Confirming Sale for your review and approval. Once you have had a chance to review the Entry, please provide either your approval or charges Thank You At the bottom of the e-mail it has   XXXX   XXXX   XXXX   Legal Assistant  XXXX ,  XXXX ,  XXXX ,  XXXX  , &   XXXX   XXXX  , LPA  XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX , OH  XXXX    XXXX   XXXX   XXXX   XXXX   ext  XXXX   XXXX  THIS MESSAGE IS FROM A DEBT COLLECTOR ATTEMPING TO COLLECT A DEBT ANY INFORMATION OBTAINED WILL BU UWS FOR THAT PURPOSE I need all of the following questions answer to determine whether this judgment order ( which is another form of a attempt to collect a debt ) is justified, 1. I was never given the opportunity to read this file titled Our File :  XXXX  please explain in detail what information is in this file?
2. Please send me a copy of all information in the file and any documentation associated with the file 3. Is the Judgment Entry that is confirming the sale for Ms. Jin to review actually a DRS book entry that comes from a direct register system in DRS ( book-entry ) form. If so is the entry or entries associated with either Third Federal,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , or   XXXX   XXXX  . Who provided you with the information that is contained in the attached titled  XXXX  CE.doc and/or the information within the e-mail identified as Our File :   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: PNC Bank N.A.
State: DE

Complaint narrative:
I went to use  my PNC credit ca rd to make a purchase at  XXXX   XXXX  on  XXXX   XXXX  and the card was declined. When I contacted the bank, they said it was because the payment which was a transfer from m y PNC checking account to the PNC credit  card account that was made on  XXXX   XXXX  was being floated and had not applied yet. Since when is a bank allowed to float an internal transfer of funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: CL Holdings LLC
State: SC

Complaint narrative:
I 'd paid my debts on  XXXX   XXXX ,   XXXX   and it 's yet to reflect that on my credit report. After calli ng JeffCapSys as recent as last Thursday ( I was initially told they report on the third Thursday ) which they now say that the company reports to credit bureaus on the third Friday! I 'm sick of it! Fix it!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
FIR ST MARK SERVICES   XXXX   XXXX   XXXX .     D ear First Mark Services : You have not provided proof of the student loan. In you documents you said I received the loan at the   XXXX     XXXX   XXXX . After further inquiry, you must provide me with the original origination papers and contract documents as I requested from you earlier. I also stated to you that the information you provided to  XXXX   XXXX  is fraudulent and I asked you to stop, provide proof and verify these things.     You can not service this loan. I asked you to provide this information to me and you did not. The original documents must include when the account was 'charged or written off ' because you list these accounts date opened in  XXXX  and  XXXX  that  is twenty year s ago.     You can not report this to  XXXX   XXXX  because I identify it as fraudulent. You continue to report it to the agency and I will report you to the student loan ombudsman office and Dept of Justice for unfair, deceptive acts and practices.     You should also check online to see that private loans are not eligible to be listed as federal student loans for re-couperation in the federal guarantee loan system.     Please check your records and send it back to  XXXX .       Regards  XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
My name is  XXXX   XXXX  and there are a total o f three credit ca rds in which I did not apply for and showing up on my report and at my home mailing address. Thos e three are ch ase bank,   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX  . Can u please look into this and please take them off my report it 's been a fraud on my behalf.   Call me  XXXX  Thanks,  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I saw several years back around  XXXX  that there was a new account on my credit report  from GE Capital / Lowes w ith a credit limit of {$20000.00} opened up and active. I contact the bank directly and told them that is was clearly fraud and to please close the account. They did and they have now sent it to a collection company named   XXXX   XXXX   which they have even said it was FRAUD and they sent it back to the bank ( SYNCHRONY BAN K / LOWES ) to clos e it out again! On  XXXX / XXXX / XXXX  Synchrony Bank /  Lowes r eopened the account and added it to my credit file again! They bank has several police reports to bad my story up but they just want listen to me. Now lm losing my house on Wed due to the fraud there commenting against me. Now i do n't qualify for my home loan and I 'm now losing my {$220000.00} down payment on my new house, All because of this!!!! Please help 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 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I opened up an account at pnc bank. I made it crystal clear at the time. Do Not gouge me with fees. The whole purpose of opening the account was to get away from another bank that was stealing from me. I sent after they stated gouging me to close my account and send me the balance. They close the account and kept the money. them a letter stating this and to close my account. They kept the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute to Experian in XX/XX/XXXX. The dispute included documentation that proved the items were incorrect and a request was made for an investigation and for the removal of the invalid information. After 30 days, no response was received from experience, therefore I resubmitted the exact copy of the dispute along with the supporting documentation that the information reported was incorrect and another request was made for the information to be removed, this time the request was made that all the information be removed because experience and had violated the fair credit reporting act and failed to respond with any sort of indication an investigation had occurred. The second request was sent out certified return receipt. As of this date, experience and has still failed to respond to the disputed information and continues to show the information on my credit report causing irreparable damage to my credit score and ability to obtain credit. In accordance with FCRA Statutes, when a dispute is submitted, the credit reporting agency has 30 days to perform its investigation from the XXXX receives the letter. If it does not receive a response within the 30 days, it must remove the file completely. In the event information is received about the particular disputed items, the credit reporting agency is required to inform me who they specifically spoke with, a name and contact information and the manner in which the information was validated. Because the credit reporting agency mailed to respond within the 30 day period, they are bound statutorily to remove all of the disputed items since they never responded since XX/XX/XXXX. They can not use codes to validate the disputed itens, they must require the creditor who reported the information to substantiate that the information reported is indeed valid by providing copies of contracts or other legal documents which would provide proof that the accounts specifically belong to me. This credit reporting agency has clearly violated my rights and continues to do so causing great financial burden as I am unable to apply for credit in any for due to the incorrect informnation they are reporting.

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