vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have Citibank 's Interest checking account. Got an email from Citigroup which stated that for any direct deposits, I will get upto 2 % cash back ( up to {$100.00} ). I have direct deposit of my salary two times of {$2500.00} each during XX/XX/XXXX ( one on XXXX XXXX and another one on XX/XX/XXXX - both {$2500.00} ) on after following this promotion all the conditions. But I haven't received {$100.00} for these direct deposit activities. I can not keep this account open forever to get this {$100.00} as during pandemic my money ( {$5000.00} ) in this account is blocked ( very low interest rates ). Dealing with totally inefficient Citibank customer service is good for nothing. Already talked to them for at least 3 times via chat regarding the same issue. 
This bank is so large and inefficient that left hand doesn't know what right hand is doing. Customer service is just looking to pass the buck from one team/person to another.

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 2021-05-13 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Bank is the issuer of several credit cards of mine, and this is the second time I've filed a complaint about this. They are illegally changing account statements to electronic, and only notifying me by email that I won't get paper bills anymore. I've ALWAYS gotten paper bills, and I don't regularly check my email. I also don't usually believe emails are from the actual companies, because of all the scams. NOTHING was done to Synchrony the last time, as I had also called them and let them know that NONE of my accounts were EVER to be changed to paperless. I also told them it wasn't legal for them to change my accounts to paperless and send me an email telling me if I wanted to go back to paper, I needed to contact them. 
They are being devious, and flaunting their ability to XXXX with people 's accounts without liability. Synchrony trashed my credit score in XXXX 2020 by slashing my credit limits for NO reason so I was maxed out on all cards from them!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Back in XXXX I noticed that I had a payment safeguard fee on my statement. I called and asked what it was for. They explained it to me and that I didnt qualify for it since Im considered XXXX XXXX. Nor did I ever ask for it. They ended up reimbursing me for all the fees they had charged me. and recalculated all the interest since it would make my balance smaller after taking the fee off. I didnt think nothing of it and kept paying my bill after they refunded me and all these years only to find out that after they refunded me all that money the following month after the refund they started charging me all over again. I didnt catch it until XXXX since I was taking care of my sick dad until he passed away. But I kept paying on my bill. I called them to ask them to reverse all the charges and they wont do it. I called them for numerous months and tried to get this resolved and to no avail they wont do it. I talked to a man in the escalation department and it sounded like he was going to get it taken care of but never heard back from him. I thought every person that I talked to understood it was their mistake and I ended up paying for their mistake. I feel that I should be reimbursed for all the charges since they did it before and I dont even qualify to use the benefit. I told them I didnt want it when they refunded the charges the first time. I have all my statements to show the refund and then the following months all the charges that they gave me. I have a limited amount of income and dont think its fair for me to have to pay for their mistake. The refund amount back in XX/XX/XXXX was for {$1100.00} that included them recalculating the interest. The amount from XX/XX/XXXX to XX/XX/XXXX for the the fee is {$440.00} not including the amount of extra interest they charged for the higher balance due to the fee being on there. I would like this matter taken care of as soon as possible. I called from XX/XX/XXXX till XXXX or XX/XX/XXXX. Since they refused to take care of this matter I ended up getting all my statements that were needed to show proof of what I was talking about. That took a little bit of time since I had to request the older statements only 12 at a time. I would appreciate any help you can give me in this matter. 

Thank you, 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 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
At XXXX I transferred XXXX $ and XXXX $ into My BBVA USA account in two transfers from my XXXX XXXX XXXX account to BBVA account # XXXX. At the same time I transferred it I went to the ATM to get the BBVA balance and it said XXXX. After XXXX XXXX transferred the funds BBVA claimed they were never received but my account went from XXXX $ to XXXX . The bank stole both deposits as I owed only XXXX $ to them and a photo of the atm receipt is attached. The XXXX transfer numbers are ( 2021 XXXX XXXX XXXX $ ) ( XXXX {$2000.00} XXXX XXXX ) XXXX. 
Please stop their theft of my transferred funds. They never showed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I mailed out letter to Transunion asking to verify accounts on my report. Transunion failed to show proof that each account is 100 % accurate. 

I ask to Tranunion to share with me their method of verification for the following accounts in question. I have yet to receive a respond and it is now XX/XX/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 2021-05-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was issued a Bank of America Prepaid Visa card to access my unemployment benefits from Maryland. Every time I tried to use the card Bank of America would put a fraud hold on my card. The last time a very rude BOA employee refused to unblock my card and hung up on me. I ha s contacted BOA repeatedly asking to have the hold removed. BoA states that Maryland Unemployment must remove the hold. I have contacted Maryland multiple times they state there is no hold on my account from them and BoA is to blame. Maryland has sent messages to BoA on multiple occasions confirming there should not be a hold on my account. Last week a supervisor at BoA promised to mail me a check with the balance on my account. This week when I still had not received the check I called back, today the supervisor at BoA stated that the account was still locked and the check was canceled/not processed. I have been trying to resolve this issue for over 18 weeks, BoA is stealing my entitlements and holding them hostage. BoA refuses to provide any assistance.

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 2021-05-13 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: I.C. System, Inc.
State: GA

Complaint narrative:
IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt. I called and paid it immediately. I never received a call, notice, or letter about this debt and that violates my 30 day right to dispute.

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 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I was an account holder with HSBC bank. In XXXX this year, on advice of my customer relationship manager with the bank, I opened a Global Money account that allowed me to transfer USD into XXXX. 

I expressly stated that I will need to wire the XXXX amount to my father at a later date, and she confirmed that will be possible. In XXXX, I have tried to do so, only to be told money can be transferred only to an HSBC account in another country. Otherwise I need to reconvert the money into USD, transfer it back to the normal HSBC account and then transfer into XXXX. 

Therefore, XXXX wanted to charge me triple conversion rate for a simple procedure. 
I refused, stating that I have the promise in writing, and the bank manager escalated my claim - unfortunately HSBC decided that there is no fault of theirs. 


Thee fees incurred were substantial, based on the extra conversion fee XXXX XXXX accounts charge : a difference of {$4600.00}, or 2.8 % of the principal - During that time, EUR lost 0.8 %. Therefore, I lost 2 % on the bank fees ( {$3300.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
At this time, I am offering a settlement to the XXXX XXXX debt purchased by Portfolio Recovers Associates, LLC in 2018. I lost thousands of dollars from the Covid-19 shut down, and I am just getting back to work. I ask Portfolio Recovery Associates, LLC to accept as a one-time settlement {$1700.00} of the current balance of {$4400.00}. However, I want it stipulated that I believe XXXX XXXX XXXX XXXX. never gave a full contractual agreement of this debt in question, and that I could with the right lawyer end up with the debt being dismissed altogether. A purchased debt agreement can not be back-dated under any circumstances, and that would be within federal restrictions under the Fair Debt Collection Practices Act. However, if I receive a verbal acceptance of my settlement offer within a reasonable time period, I will waive any rights I maintain to legally challenge the validity of the Portfolio Recovery Associates, LLC claim. My phone number is posted in this CFPB request to monitor Portfolio Recovery Associates adherence to FCRA and FDCPA requirements on the collection of debt, and the CFPB constant research into the voluminous fraudulent activity into what the Federal Trade Commission consider zombie debt collections. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Letters were sent to dispute the public records. In the first attempt, the CRA responded with a generic reply stated that the public records have come back verified. The second attempt no response. I have reached out to the public records vendor and received a letter with letterhead and signature stating that they in fact DO NOT report to the CRA 's. The CRA 's have failed to provide me with original signatures and/or contracts. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the CRA 's are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts the CRA post on a credit report. Otherwise, anyone paying for that reporting services could fax, mail, or email in a fraudulent account. 

I have requested to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) the CRA 's have on file of the accounts listed. The CRA 's have yet to positively verify these accounts and this has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the CRA 's are unable to provide me a copy of the verifiable proof, they must remove the accounts listed below.

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 2021-05-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent out a dispute to transunion and it was delivered on XX/XX/XXXX. I received something in the mail to confirm my address on XX/XX/XXXX. As of XX/XX/XXXX I have yet to receive any correspondence from transunion at all in regards to my 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 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CONTRACT RESOLVE GROUP LLC
State: VT

Complaint narrative:
XXXX from Contract Resolve Group LLC has phone repeatedly for the last few months over a debt to XXXX - a debt I do not have any record of owing. I informed him that I would be happy to speak to XXXX about the issue, but would not be giving him bank and credit card information. I attempted to mail a certified letter to XXXX alongside a check for the amount owed and it was returned to me for refusal to sign. 
He has now decided to call multiple times per day, using threatening language alongside threatening messages. Better yet, he has now begun texting my family members and providing them private information. As I have been informed by my attorney, whether a debt is owed or not, they are legally not allowed to inform anyone of debts owed alongside any information regarding the matter. XXXX and his company have been at this for months now and my next step will be legal action against them for harassment and violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: NV

Complaint narrative:
I had an account with credit karma money spend with no issues with direct deposits up until recently when they decided to send me an email regarding closing my accounts on the XXXX, within 6 minutes of that email my accounts were closed and I was awaiting a direct deposit of XXXX  dollars into my spend account. I had that direct deposit sent on the XXXX and successfully processed on the XXXX of XXXX, account closed on the XXXX of XXXX and now I have been back and forth with credit karma and the sender as well as mvb bank who processes payments for credit karma and no one can give me any answers about where the money is or when Ill get it. In fact nobody can find the information, the sender has sent it and I have the transaction id number but it still cant be found. I am beyond frustrated at this point and wish I had Been given at least time to change bank info before they closed account. I recently lost my father and this money will help with funeral costs but with no idea when Ill actually receive it, Im in a tight spot now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
I am a us customer, I got abruptly locked out of my Binance act. I only need access to withdraw my funds! 
I can't get submit a ticket I only get the same message from the Bot : Per our Terms of Use ( https : //www.binance.com/en/terms ), we are unable to service restricted users and regret to inform you that we have suspended our service to you.

If you still have funds in https : //Binance.com, please log in to your account, click the " reopen '' button, and withdraw all your funds within the next 72 hours, failing which your account will be locked indefinitely and offboarded.

For holding and trading crypto assets, we recommend secure crypto wallets such as XXXX XXXX, or other platforms such as https : //Binance.US. We appreciate your understanding and thank you for your support.

YET there is NO REOPEN button! I can't get passed the initial login before I am told I am denied access because I am a restricted user and that my account is permanently closed! ( see screenshot attached ) PLEASE HELP - I only need to withdraw/transfer my crypto coins

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called BOA today and spoke to 6 customer service reps who could not help me. I paid XXXX Mortgage payments at the Branch with a teller and BOA stole my money. My payments are not reflected on my mortgage statements and BOA can not account for why my account is current and they can't find the money. 
My mortgage interest statement is off and they can't find the money? 
My home loan account number is : 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 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Letters were sent to dispute the public records. In the first attempt, the CRA responded with a generic reply stated that the public records have come back verified. The second attempt no response. I have reached out to the public records vendor and received a letter with letterhead and signature stating that they in fact DO NOT report to the CRA 's. The CRA 's have failed to provide me with original signatures and/or contracts. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the CRA 's are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts the CRA post on a credit report. Otherwise, anyone paying for that reporting services could fax, mail, or email in a fraudulent account.

I have requested to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) the CRA 's have on file of the accounts listed. The CRA 's have yet to positively verify these accounts and this has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the CRA 's are unable to provide me a copy of the verifiable proof, they must remove the accounts listed below.

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 2021-05-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Mailed out letter to Equifax on XX/XX/XXXX and XX/XX/XXXX and they failed to show proof that each account is 100 % accurate. 

I ask to share with me their method of verification for the following accounts in question and I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
At this time, I am offering a settlement to the Capital One debt purchased by XXXX XXXX XXXX, XXXX in 2018. I lost thousands of dollars from the Covid-19 shut down, and I am just getting back to work. I ask XXXX XXXX XXXX, XXXX to accept as a one-time settlement {$1700.00} of the current balance of {$4400.00}. However, I want it stipulated that I believe Capital One Bank N.A. never gave a full contractual agreement of this debt in question, and that I could with the right lawyer end up with the debt being dismissed altogether. A purchased debt agreement can not be back-dated under any circumstances, and that would be within federal restrictions under the Fair Debt Collection Practices Act. However, if I receive a verbal acceptance of my settlement offer within a reasonable time period, I will waive any rights I maintain to legally challenge the validity of the XXXX XXXX XXXX, XXXX claim. My phone number is posted in this CFPB request to monitor XXXX XXXX XXXX adherence to FCRA and FDCPA requirements on the collection of debt, and the CFPB constant research into the voluminous fraudulent activity into what the Federal Trade Commission consider XXXX debt collections. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: DISCOVER BANK
State: CA

Complaint narrative:
DISCOVER IS REPORTING A LATE PAYMENT FOR THE MONTH OF XX/XX/2020. THIS IS A COMPLETE ERROR AS I PAID THE ENTIRE ACCOUNT BALANCE ON XX/XX/2020. THEREAFTER, I WAS EVEN GIVEN A INTEREST REFUND. HOW CAN I POSSIBLY BE LATE AND THEY GIVE ME A REFUND? I HAVE ATTACHED A COPY OF MY DISCOVER STATEMENT TO SHOW PROOF. PAGE 3 UNDER THE TAB " TRANSACTIONS '' WILL SHOW WHEN I MADE THE PAYMENTS AND WHEN I GOT THE REFUND.

Company response to consumer: Closed with explanation