vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
My stimulus was sent to this bluebird American Express card. XXXX did unauthorized charges of {$1300.00} on XX/XX/XXXX and XXXX. I called my card and gave info for them to investigate charges on XX/XX/XXXX. Today I got email saying the charges were by me and they wont refund my money. They have refunded {$700.00} but still owe {$600.00}. There were more than 100 transactions and they were not by me. I am XXXX and feel I am being shafted by this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09 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: FL

Complaint narrative:
I order a 5 in 1 machine on XX/XX/21 for XXXX. I was sent a 3 in one machine that was clearly used for XXXX. I paid my money to send it back. The merchant said I would get a refund. I tried to send supporting documents to chase for my dispute. Chase claims that they did not receive my supporting documents after I faxed and mailed it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Home owners insurance not paid out of escrow account by lender. It is now XXXX the insurance premium was due XXXX. My mortgage is being serviced by Lakeview loan servicing company. I have contacted them numerous times by phone and text and have not been able to resolve the issue. On XX/XX/XXXX lakeview asked me to contact XXXX XXXX owners insurance and have them fax a copy of policy renewal. I did this. I was then contacted by XXXX XXXX by text stating it was taken care of. I contacted XXXX on XXXX. Still not paid. On XXXX lakeview said they paid. XXXX XXXX not paid. On XXXX XXXX called me said my insurance was cancelled due to lack of payment. XXXX Stated they were going to try to help me out by writing a new policy and resending bill to Lakeview and give them another 30 days to pay. We discussed that under the Respa law that lakeview is responsible for making timely payments from funds that are in my escrow account. Lakeview told me I need to pay XXXX directly to avoid cancellation but they also told me it was paid on XXXX way after due date. I do not have funds to pay directly that is why I have an escrow account. Lakeview has been paying XXXX My home owners insurance since XXXX and I have not had any changes to my mortgage or home owners insurance.

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 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
PayPal ran an offer for " Free {$10.00} for any amount of XXXX purchase '' offer. On XX/XX/2021 I bought {$40.00} worth of crypto currency. 

On XX/XX/XXXX, I decided to purchase {$260.00} more of the same crypto currency based on its upward trends. 

On XX/XX/XXXX, since the crypto currency I own was dipping, I decided to attempt to purchase {$100.00} more. After trying, I immediately was notified that my PayPal account had become restricted. I followed the steps provided by them to lift the restrictions. This involved uploading an image of my driver 's license, providing a bank statement, confirming the last four digits of my SSN, and commenting on a recent transaction ( but PayPal did not provide me which transaction to comment on ). 

On XX/XX/XXXX, I was notified by PayPal that all restrictions on my account had been lifted. I once again attempted to purchase said crypto currency, however this time received a notification telling my my account was permanently. Not only am I restricted from using any of their services, but put a hold on my funds for 180 days. 

I called their Customer Service, and ultimately was a waste of time. When I asked for the specific reason why my account was permanently restricted, the man said that information was " Confidential and Proprietary. '' The only anomaly in all of this, was the fact that I had recently installed and been using a VPN service for a reason completely unrelated to this. If PayPal banned me for using their service with a VPN, like I said earlier they would not disclose to me, ALSO using a VPN is not listed in their Restricted Activities and Holds section of their User Agreements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
on XX/XX/XXXX, I started a process to refinance my home with Citibank, but they took about six moths, just to let us know that we were pre-approved. when in XXXX of XXXX, I asked to have an answer about our case, I was told that they were going to need more information from us and that they will decide. on XXXX, finally was everything ready to sign, but the notary public person said that she was not going to come because we did not speak English and that she was not going to risk ( lose ) her license because we could not communicate in English, even though I explain to her that we do speak English, she refused to come, so I called the bank very upset and they just said that she was in her right to do that, but they said that if we requested someone in XXXX they will send another one ( like ... If we requested it? I just said that no-one requested anything and that we DO speak English ). Anyway, the last drop that spilled the glass was that ; the bank included a " clause '' in the contract that if we do not accept a new checking account that they opened ( without our consent ) for us in order for them to retrieve the monthly payment form it. Of course I refused, and the notary said that if do not accept that the will cancel everything.

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 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Tried disputing old names and addresses and it has not come off Transunion

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 2021-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting this account as a charged off account and also an open account ... that is a clear violation ... look at the 2 year payment history that differs between the 3 bureaus ... account status also differs ... i have asked them on 3 seperate occasions to investigate the accurate reporting of this account and each time they say it is verified as accurate, ,the inaccurate reporting tells me that they did not conduct a full and proper investigation ... .delete this account now

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 2021-04-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting this account as a charged off account and also an open account ... that is a clear violation ... look at the 2 year payment history that differs between the 3 bureaus ... account status also differs ... i have asked them on 3 seperate occasions to investigate the accurate reporting of this account and each time they say it is verified as accurate, ,the inaccurate reporting tells me that they did not conduct a full and proper investigation ... .delete this account now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX is reporting this account as a charged off account and also an open account ... that is a clear violation ... look at the 2 year payment history that differs between the 3 bureaus ... account status also differs ... i have asked them on 3 seperate occasions to investigate the accurate reporting of this account and each time they say it is verified as accurate, ,the inaccurate reporting tells me that they did not conduct a full and proper investigation ... .delete this account now

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 2021-04-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I called Equifax on my new XXXX XXXX XXXX to put a freeze on my account, at the point where are the automated system tests for your identity their system became unable to hear both my voice responses and my keypad responses. One time the system no hung up on me, and another time a customer service person answered and after a minute it seemed like she hung up on me also, perhaps trying to herd me to their online reporting system. 

I would like a Equifax to call me and help me set up the freeze on my account before my identity is stolen!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I don't have texting services. I set up a Verbal Passcode with BOA for authentication. 
Every time they ignore that code and try to send me a text message. 
Now they're forcing me to go to the branch every single time to authenticate myself!!!! 
I can't use the card, nor pay it off, etc. Or even cancel the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: IL

Complaint narrative:
On XX/XX/XXXX I paid off XXXX XXXX i summited my letter from the creditor saying the loan has been paid off but yet every time I dispute it while providing the letter from the creditor, Experian keeps saying that I still owe and the account is verified even though I sent a letter Proving different

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 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
This has happened twice : Citizens Bank has attempted to withdraw funds from our Citizens Bank Account to pay our mortgage, as part of an automated payment plan. We have asked this payment to be delayed for one to two days, but the withdrawal is attempted by Citizens, resulting in an overdraft and missed mortgage payments. Citizens has, on both occasions, emailed us saying, " Confirmation : We received your home loan payment ... THANK YOU FOR YOUR PAYMENT Hi XXXX, Thanks for your recent home loan payment. 

HERE ARE YOUR PAYMENT DETAILS : Process Date : XX/XX/2021 Amount : {$4800.00} Your next payment is due on XX/XX/2021. '' In actuality, even though they confirmed the payment via email, they never withdrew the funds. This has led to one late payment and one nearly late payment. Why is a bank allowed to confirm a payment in writing, but not actually have the payment processed? This leads the consumer to have false assurance that their mortgage has been paid, allows the bank to charge overdraft and late fees as a result, and leads to impacts on credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: E*TRADE BANK
State: CA

Complaint narrative:
In reference to checking account XXXX, Etrade bank unilaterally returned all the payments to merchants/billers without customer 's consent, between XX/XX/2021 XX/XX/2021 The return of payments is a violation of ACH rules per XXXX  guideline. Merchant banks will be reporting the violations to XXXX for enforcements. 
Return reason code R10 ( Customer Advises Originator is not Known to Receiver and/or Originator is Not Authorized by Receiver to Debit Receivers Account ) was used. 
Consider, the transactions are authorized by the account holder, the funds in the amount of XXXX should be released back to account holde.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I opened a savings account with Barclay. Before they opened my account, they asked identity verification documents including state ID, SSN and bank statement for the account I used to open the account. After submitting the documents, they approved my account. I added two additional accounts of mine. Then they blocked my account and asking for further verification documents. I was waiting for trail deposit to arrive in my external accounts to verify them before they suspended my account. Now they say they can not verify ownership of those accounts, which is ridiculous. I already submitted enough documents to verify identity. They are unreasonably requesting further documents. I would be willing to comply if there were justifiable reasons for that, which I don't think there is. I think they are abusing the process and targeting me because I'm XXXX and because of my name.

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 2021-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/21, {$14000.00} was deposited to my account electronically direct deposit by a company I am doing business with. On XX/XX/21, I withdrew {$13000.00}. On XX/XX/21, I received an alert that my account was overdrawn. I logged into my account and it showed that the deposit on XX/XX/21 was attempted to be reversed. On XX/XX/21, I contacted the agent of the company that placed the {$14000.00} deposit. On XX/XX/21, the agent responded back and said that he would straighten out every thing. The same day I received an alert that my account had a positive balance. I attempted to make a purchase with my debit card and it was declined for insufficient funds. I logged into the account to verify this. I contacted the bank by phone and was told that my account is frozen. I have called the bank several times and have been told it is still frozen but the bank refuses to tell me why. On XX/XX/21, I went to the XXXX XXXX, Colorado branch and the bank officer called the person who put the freeze on my account, but that person refused to tell him the reason for the freeze. It was confirmed to me that the company who deposited the money on XX/XX/21, has NOT since XX/XX/21, attempted a second recall of the XX/XX/21 deposit. I logged into my account today and it shows an available balance of {$2500.00}, but my account is still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: TN

Complaint narrative:
From XXXX - 22 fraudulent transactions were drawn from my account. 

On XX/XX/XXXX I filed a claim to dispute these transactions with extensive documentation. 

I was told repeatedly that " someone will call you back '' when calling over the next 4 months to try and figure out what the status of the claim was. 

No one ever spoke with me. 

On XX/XX/XXXX I spoke with an associate at a local bank branch, who acknowledged that NOTHING ever occurred with my claim. 

I was provided a provisional credit for the disputed transactions with the reassurance that the case was now being " properly dealt with. '' That provisional credit was removed from my account this morning with no explanation as to the status of my claim or status of the case. 

The bank is now claiming that over 50 pages of documentation containing personal and financial information I sent several times, proving my case has been lost or never received. 

Today alone I have been on the phone with the bank for four hours being constantly transferred between departments who either " don't see that the claim exists '' or " can not find the case '' or flatly hanging up because they don't want to deal with resolving the issue.

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 2021-04-09 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank claims that I have a loan I took out with them this happened when I went overseas for a year I never took out a loan with regions Bank I have tried to correct this problem with them several times they will not change it on my credit report I did not apply or sign for a loan with regions Bank they are unable to produce a signature on this loan I am hiring a lawyer and also going to get a lie detector test and bring the results to the hearing when we have a hearing on that I am going to charge regions Bank with all lawyer fees and the lie detector test this is the only way I know that they will take it off my credit report they accuse me of opening this account when I did not open it regions Bank will be responsible for any lawyer fees and the lie detector test to prove thate I did not take out this loan

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 2021-04-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XXXX I received a noticed from XXXX XXXX that equifax reported a Hard inquiry into my credit. This inquiry lowered my credit score approximately five point for up to two years. I called and spoke to Equifax, they told me contact XXXX XXXX XXXX. I contacted them and explained to them and told me that they were the one 's that did the hard inquiry. I asked them why they did the hard inquiry and the told me from time to time they will do hard inquiry 's to see if they could offer a unsolicited loan and or a credit card. This is not right, I don't have a open account with them and I didn't ask request one. Please help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: GA

Complaint narrative:
According to my promissory notes signed by my cosigner and myself for my UNDERGRADUATE LOANS, there is no language that stipulates a deferment amount of 120 months for an undergraduate loan or on any other paperwork support their deferment policy. Also, you will see on my attached paperwork that our disbursement does match the amount we had signed for. XXXX did not fulfill their contractual obligation and therefore, it should be voided. The amount of loan should be charged off and any payments made on behalf of the loan should be refunded.

Company response to consumer: Closed with explanation