vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
On XX/XX/21 Cross Country Mortgage ( XXXX XXXX  ) took out two ( 2 ) mortgage payments totaling {$4000.00} ( {$2000.00} normally ). I had to move money immediately, so I would not overdraft on my banking account. I called customer service ( XXXX ) XXXX on XX/XX/21, but was unable to get through. I called again on XX/XX/21 and spoke with a customer representative that I needed to verify proof that they took it out twice. At the time of the conversation, my bank just showed " pending '' on the 2nd payment and the mortgage company would not refund my money. After I had proof the funds took out I called the mortgage company again ( I do not know this date ) and they had already in process of refunding the money on XX/XX/21. I called again on XX/XX/21 to understand why my account had not been credited the money. I was told by a customer service representative that the process is to issue a check and it would be mailed on XX/XX/21. I asked why I hadn't been notified of this before and the CSR just said it was " the process ''. She also said it would be about 7 - 10 business days before I would receive the check. By the time I get my money, it will be time for my mortgage to take out again. On XX/XX/21 the mortgage company called wanting clarification as to why I submitted poor reviews of the customer service and reiterated that it is because they took my mortgage out twice and were unable to provide my money back as easily as they took it. They never explained what their " process '' is, but if money is taken out electronically it should be able to credited back electronically. I am not in the position to be out {$2000.00} until the check arrives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: UPGRADE, INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I just opened a PayPal account and I got a message that says I can no longer use PayPal due to some suspicious activity. I havent even made a purchase or received any money. Why did it give me that message? 
How can regain the ability to use PayPal? 
Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: CT

Complaint narrative:
{$13000.00} was illegally wired out of my account of XX/XX/2021. Regions Bank did not assist me in trying to recover the money and did not reach out to me, even though they were made aware it was fraudulent in XXXX. 

I did not learn that my money was sent to Regions Bank until XX/XX/2021, when my local police department called me to inform me. I now have the police report that indicates the money was wired to someone named XXXX XXXX in Michigan, but that the money ended up at a Regions Bank in Alabama. Regions Bank will not tell me where the money went after it was sent to Alabama and the police have been unable to find evidence that anyone named XXXX XXXX exists in Michigan, even after visiting the home of the address in XXXX XXXX, Michigan. I would like to know where the money was wired after it was in Alabama or who took the money out of the bank. And whether or not that money was taken out through wire, in person, or through an ATM. Since police are unaware of an XXXX XXXX and the money was sent to someone in Michigan from Connecticut to a bank in Alabama, why didn't Regions Bank reach out to confirm this was legit?

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 2021-09-15 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: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I ordered a guitar amp. The shipping was going to take too long, so I canceled the order. I was charged for the purchase even though the order was canceled with proof of cancelation yet the bank keeps saying the dispute is not in my favor and I have to pay the XXXX for the guitar amp that I never recieved.

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 2021-09-15 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: TN

Complaint narrative:
I opened my Citi Credit account on XX/XX/XXXX. I qualified for a special balance transfer APR and tried to submit a balance transfer from XXXX XXXX. Upon hitting the submit button, the website told me that my request could not be completed. Since I did not have the card yet, it would not let me create an online account to try to re-submit the balance transfer. 

On XX/XX/XXXX, I received my card. At the time, there was no balance transfer completed on my account or pending. I went ahead and submitted a second balance transfer since the first one did not go through. 

I woke up to a notification on XX/XX/XXXX that BOTH balance transfers were now pending on my card. I was charged TWO balance transfer fees. I immediately contacted Citi Customer Service and was told to contact XXXX XXXX since the balance transfer was pending to stop the transfer. Citi advised if both posted to my account that they would credit back one of the fees to my account. I contacted XXXX XXXX and was told that there was no way to stop the balance transfer at this point. 

I contacted Citi again and was told to contact them once I made a payment on my account and once the fees posted. I went ahead and dropped a large sum to cover most of the balance transfer. I contacted them again and was told that the fees were still pending. I contacted them after confirming the fees have posted and today XX/XX/XXXX, I was told that all 3 previous reps have given me false information as there is no way to credit me back a balance transfer fee and that it is my fault that I submitted two balance transfers. I asked Citi to please check all the messages on my account because they have clearly communicated to me that they would credit the fees back once posted on 3 separate times. Today, Citi Bank still fails to credit back one of these fees.

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 2021-09-15 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: AZ

Complaint narrative:
**Complaint/Letter mailed to the White House** ( see attached ) Experian Credit Bureau consistently fails to investigate and resolve ( 2 ) complaints submitted : Resolution process began XX/XX/2021. 
Complaint ( 1 ) - I have mailed countless certified letters to Experian to remove all negative reported items by " XXXX XXXX XXXX '', debt I do not owe. Experian was mailed pertinent documentation to prove that the debt was not mine. Experian CONSISTENLY ingnored my requests, but responded with ONLY a screen shot of my credit report, and while only responding with " Company has certified the debt to be accurate ''.

Company did NOT mail " Original Documents '' to validate debt, but mailed Its own Company-CREATED invoices, which are MISLEADING ( FALSE ) and INCOMPLETE.

Complaint ( 2 ) - Experian was mailed a Certified letter to have " Credit Inquiries '' removed from my credit report. Experian AGAIN, responded with a SCREEN SHOT of my credit report, while NOT resolving the issue at hand. ( Experian was provided with copies of my credit report with highlighted items, as well as copies of " Inquiry '' requests to be removed. Complaint COMPLETELY ignored.

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 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with NATLCRSYS plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$9200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
CMRE FINANCIAL, XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX Has sent me collections notices in the amount of XXXX the collection has been reported as past due. I dont know this company. I have never done any business with this company. This company does not have a contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I HAVE REQUESTED THIS CORRECTION OVER 10 TIMES SINCE XX/XX/2021 AND THIS IS NEGLIGENCE 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 2021-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
RBFCU - Randolph Brooks Federal Credit Union- opened an account in my name, without permission. They included a minimum deposit amount, {$1.00}, in order to keep the account open and spam me with account statements and upsell marketing documents. I have major concerns about my information privacy and identity security if any bank can open an account without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
on XX/XX/2021, obtained synchrony XXXX credit card. attempted purchase, kept telling me to verify purchase online as stated when i applied, apply now and get 20 % off purchase online.. called synchrony to verify. They said it will work only for instore purchases and not for online purchase of the product i want. I attempted to buy a different product and again not working, now synchrony states that is because the card can only be used in store for purchases and not online. They ran a promo for online purchase and it does not work for online purchases as advertised.

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 2021-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/21 I received a targeted offer while logged in to my Citi credit card account online. The offer stated I would receive {$200.00} cash bonus if I deposit {$3000.00} new to Citi funds within 60 days of account opening. 

I clicked the offer buttons to proceed to open a Citi checking account and deposited the new to Citi funds of {$3000.00}. 

After 60 days, I chatted with a representative to see why I have not received my bonus. They were of no help. 

It has now been 97 days since opening and depositing funds and I have not received the promised bonus.

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 2021-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/2021, I wen to to Navy Federal Credit Union Branch Located and XXXX XXXX to do a XXXX XXXX XXXX transfer transaction to XXXX for an amount of {$1000.00} plus {$14.00} transfer fees making XXXX. The transaction did not go through, so had to do another transaction to help someone in a desperate need. Unfortunately, the first transaction went through the next day so I had to go and cancel it. The bank clerk told me I should check back within 5 business days. I went back after that, they now told me have to wait 4 to 12 weeks to get the money back from XXXX XXXX. I have patiently waited 12 weeks ( today is XXXX XX/XX/2021 ). The bank is still telling me stories. They are still in contact with XXXX XXXX to get my refund to me. I call XXXX XXXX myself, they told me to have Navy Federal Credit union contact them because the transaction is in the Bank 's name as a sender. it looks like the Bank is not serious with my money. I am getting confuse here about what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I HAVE REQUESTED THIS CORRECTION OVER 10 TIMES SINCE XX/XX/2021 AND THIS IS NEGLIGENCE 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 2021-09-15 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: LA

Complaint narrative:
Equifax is requesting increasingly personal information. Each time saying it doesn't recognize phone number I have had for at least 15 years! These are foreign individuals. First one got SS # and heard that my call was related to understanding why XXXX XXXX XXXX would decline coverage based on Consumer Reporting Agency information. THIS SHOULD NEVER HAVE HAPPENED as I did not request coverage with this insurance company and never provided SS #. That person, XXXX, hung up on me. I called back & someone by name of XXXX ( foreign speaking ) gave me great grief regarding additional information she wanted and kept saying " system didn't recognize answers and blocked her '' so needed more and more PERSONAL information. I requested to speak with a Supervisor and was put on TERMINAL hold. Then a recording kept playing over and over again with initializing automated recording all over. I had to call back and finally got a supervisor. It was a nightmare!!!! just trying to confirm that my credit freeze was in place. 
SOMEONE NEEDS TO DO SOMETHING ABOUT THIS AWFUL PROCESS!!!! It was an hour and one half to get a simple answer regarding confirmation of my credit freeze

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: IN

Complaint narrative:
For months I have been receiving billing statements for a Westlake Services , LLC ( dba Westlake Financial ) account with the name XXXX XXXX XXXX attached to it. These statements have been sent to my email address in error. For some reason my email has been attached to this person 's name. 

I have tried contacting customer service repeatedly. The best they could do was provide a customer service email to request that my email address be removed. I have communicated the issue in phone conversations and emails. I have blocked the address they send the financial statements from. To no avail, I still receive these billing statements from Westlake Services , LLC ( dba Westlake Financial ). I am not nor ever have been related to or known a XXXX XXXX XXXX. 

I am writing this complaint to protect my identity from theft. If there was a breach of information, my email would be connected to this person. I consider the constant emails harassment as Westlake Services , LLC ( dba Westlake Financial ) does not and will never have my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I keep getting emails about a credit card balance but I never paid any mind to those emails thinking it was fake emails. Then I went into my XXXX credit Account and saw that same credit card account there. Someone opened an account with my information and without my authority.

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 2021-09-15 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: OH

Complaint narrative:
To whom it may concern, I am writing to you because I noticed some inconsistencies on my credit report that have been damaging my good name and my credit score and needs to be looked at immediately. 


You are reporting a status date of XX/XX/XXXX yet XXXX is reporting XX/XX/XXXX and XXXX has no record of this account, also you are reporting a balance update XXXX XXXX yet XXXX is reporting XX/XX/XXXX. You are also reporting payment stay as voluntary surrender yet XXXX it as voluntary repossession. Also you are reporting the account type as auto loan yet XXXX is reporting it as installment loan. 

This is inaccurate reporting so please remove this off my credit report for inaccurate information.

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 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
REGARDING FRAUD PROCESSING BY DISCOVER CREDIT SECURED CARD. 

Discover treats credit card customers who hold a small secured card in a very discrimination manner. They fail to process payments to force their benefit ability to charge card fees. I have since then asked to have my small {$200.00} account closed and they have Not even closed this as of yet since requested last month. I am still due my funds of {$200.00} total. Discover executive team XXXX has failed to action on my complaints to them about their XXXX processing of payments. 

I FILED FIRST WITH THE FDIC FDIC Logo XX/XX/XXXX Ref. No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Re : Discover Bank Dear XXXX XXXX : Thank you for your correspondence, which was received by the FDIC 's Consumer Response Unit. 

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XXXX. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System. 

Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am not familiar with this account. I have contacted WESTLAKE FINANCIAL concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX. XXXX XXXX has not responded to my letters, they have not sent a contract, statements or any documentation concerning this 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 2021-09-15 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: LEXISNEXIS
State: MI

Complaint narrative:
Lexis Nexis i have already opt out and did a credit freeze but most importantly Bankruptcy do not report a bankruptcy therefore they have to delete this off my report

Company response to consumer: Closed with explanation