vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I signed up for a Citi Bank N.A. new checking account offer. First time Citi account opener ( which I was ). Open a new checking account, and deposit {$5000.00} in new funds. Then hold the {$5000.00} in new funds for 60 days or longer, and within 90 days Citi will award a {$200.00} bonus. I deposited {$5000.00} and held it there for over 90 days, but did not receive the bonus. And, when I reached out to people at Citi to resolve, I received no help. 

I have attached screenshotted proof of my transaction history, showing the {$5000.00} going in and staying for over 90 days. Also attaching proof that I opened my account on XX/XX/20 per the email I received from Citi.

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 2021-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
In XXXX of XXXX I received a letter from the bank that issued the mortgage loan in XXXX. The letter stated that funds of {$1400.00} have been held by the original servicing company of the loan Dovenmuehle Mortgage due to over escrow of the loan. The funds have been held by Dovenmuehle since XXXX, they never issued a check or any type of attempted to reimburse me of my funds. The loan was switched to a different servicers after the first year of the mortgage origination, so they have held my money since XXXX. I contacted Dovenmuehle many times after receiving this letter in XXXX of XXXX, in an attempt to recoup my money. I have spoken with many representatives and supervisors and they all acknowledged that they funds are owed to me but no issue of my funds are sent. I will be told that a check will arrive in a week or two by no check ever shows. Or that they are expediting the payment or they will contact me back but they never contact me. I always have to call them and explain the whole situation to a new representative or supervisor. I have spent many hours trying to get this issue resolved but have had no success since starting this in XX/XX/XXXX. I do not know why but they are refusing to give me my money that they have held since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
Hello, I am contacting CFPB to report a problem I have with XXXX XXXX 
Some scammers from a supposed company called XXXX XXXX XXXX XXXX, opened an account in XXXX and used it as a bridge to divert the money that I transferred from my XXXX account to the XXXX account and from there, to other accounts of the scammers. 
XXXX is not responsible for anything! They say that they do not have to give any kind of explanation about the destination of the money transferred. The only lesson I get from this attitude and operation is that XXXX is the perfect platform to launder money and subsequently promote organized crime. 
When I found out about the scam I was subjected to, I made the request to withdraw the transferred money and identify the recipients ..., they have rejected such requests. 
It is not necessary to travel to any country where it is allowed to have money without control, comfortably from home with an account in XXXX you can make transfers to accounts in tax havens with the excuse of investing in XXXX. 
XXXX XXXX, XXXX is not only a Cryptomenda-type currency platform, but also performs the functions of a bank that acts as an intermediary between them. 
I am extremely disappointed and confused with the irresponsible behavior of this platform. Any WORLD bank must have a control of the income and transfers it makes to know the origin and destination of the money, XXXX seems to be outside the law. 
Facilitating money laundering for thieves seems incredible to me. 

The response I received from the XXXX department was as follows : We can not : Names of the recipients of any transfer, this is not how cryptocurrency works. 
Reverse transactions that have taken place, this is not how cryptocurrency works. 
Refund any trade and transactions that have taken place, this is not how cryptocurrency works. 

With a normal bank account, the situation would be different, however, cryptocurrency transactions do not contain the name of the recipient, they are not reversible or refundable. This is how cryptocurrency is built and it is not something that is under our control. 

My account number at XXXX XXXX, XXXX is number XXXX. 
The open case reference is # XXXX - # XXXX. 

I did a little research to get all my money back. 
I can send you all the receipts of the transfers made to XXXX from the XXXX Bank and verify everything that I report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citi Bank has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act. 

I'm very confused about the minimum payment regarding the attached statement and current balance.

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 2021-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America. I settled a credit card debt with a debt collector ( XXXX XXXX XXXX XXXX ) working for BOA on XX/XX/2020. I paid via XXXX - {$1000.00} and a second for {$790.00}. I need a tax form ( XXXX ) - forgiven amount of $ XXXX from BOA for the settlement account. I have been in contact with Bank of America ; however, I can not get information about the tax forms.

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 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
The XXXX XXXX Branch has had an ongoing problem with the ATM XXXX. On four specific occasions while using the machine all of the sudden the machine took my card and would not return it. I could not withdraw any money in my account and literally had to go without adequate money for the weekend. Each time I confronted the Branch Manager and he indicated he was sorry, but he did not bother to fix the problem. I did contact the Corporate in XXXX XXXX, MN without any success. By not allowing me access to my money the Bank in essence had financial gain since it was able to keep my money during and make interest on it at a time that I needed it. This is an act of Fraud.

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 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Last month I received a phone call for my husband from XXXX XXXX XXXX saying he owed money and if I did not pay today it would be sent to litigation. The debt was Wachovia/wells Fargo, and account that we have never had. I had my husband call to get more information and they became very nasty with him. I called back asking for documentation on the debt because i did not think it was our debt and they became aggressive. They did email my husband something saying how much he owed, and I called back and asked to be emailed a copy, and the dollar amounts did not match. I called Wells Fargo and went over the above and verified that we have never had an account with them and I sent them the emails the XXXX sent to us and they started a fraud investigation. Yesterday I received another collections letter in the mail from the. Still trying to collect this debt. These people have my husbands full social security number ( we did not give it to 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 2021-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
I received a letter from the collection agency back in XX/XX/XXXX stating that I owe {$900.00} plus interest to an XXXX for a procedure that was done in XX/XX/XXXX in XXXX XXXX XXXX. I havent done any procedure in XXXX! I contacted the collection agency and explained that this doesnt belong to me and asked for a backup documents. They sent me a screenshot of something that doesnt even indicated any proper information as when and why this procedure was done. They verbally told me that It was done in the XXXX XXXX. I contacted the XXXX XXXX XXXX and spoke to every department possible and they have no record of me as they shouldnt because I was never been there before. I called the collection agency back and explained but they refused to listen. I had a perfect credit of XXXX that I worked really hard over the years to achieve and because of this untrue charge my credit went down to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: RI

Complaint narrative:
Past Due Property Tax Payment from Escrow Account. 

Loan # XXXX, XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX. 

CROSSCOUNTRY MORTGAGE,XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX IL XXXX is the servicer of our mortgage loan at the above address. 

The City of XXXX sent us Past Due Notice Regarding Real Estate Tax for the year XXXX. 

According to the Initial Escrow Account Disclosure Statement, Property Tax to be credited by XX/XX/XXXX. Due to failure on their part, City of XXXX is charging {$140.00}. XXXX as interest. 

We sent a Notice of Error by certified mail on XX/XX/XXXX and they acknowledged the receipt of letter on XX/XX/XXXX. 


It is more than 14 days and we didn't receive any information. The deadline for Property taxes to be paid is today XX/XX/XXXX and at this time of writing XXXX XX/XX/XXXX the property tax is not credited to City of XXXX, RI

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I was mis informed by the agent with loan depot to ignore the email that I got from Loan Depot as they can see that I already put in the draft payment last XX/XX/2020. I have spoken to agent several times. I have all the records, even voice conversations with their agent. 

Loan Depot did not send out delinquency letter to my address. This is clearly a technical fault from their side. I also did not receive a MAIL not email regarding the change of payment location that Loan Depot for their permanent notice of servicing. 

I have all the agent information whom I have spoken with. 

This is very bad to mislead a client who has a perfect record for almost 11 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am complaining a recent trend in foreign currency transactions to trick consumers into paying unfavorable exchange rates. Paypal is just an egregious example of what seems to be a common but recent practice. As a frequent foreign traveler/consumer I hadn't seen this phenomenon until recently. 

In terms of this particular example, on XX/XX/2021, Paypal used a misleading user interface to try to profit from an unfavorable exchange rate on a foreign currency transaction. 

When paying a charge of XXXX XXXX pounds, Paypal showed my wife and I a screen with the amount {$29.00} ( rate of XXXX dollars per pound and the button highlighted to proceed with the transaction. Somewhat buried in the screen was the option to " Change '' to have the currency conversion processed by my credit card company, which until recently was always the default. I am somewhat obsessive about these things, so I know that's a bad rate, but I suspect many consumers do not know they would get a better deal letting their credit card company handle the transaction. In any case, the charge came through on our XXXX Mastercard as {$27.00} ( rate of XXXX per pound ), which is more than a XX/XX/XXXX difference. 

I have seen similar practices with other vendors and ATMS, some of which may be outside CFPB 's jurisdiction, but some probably are, including Paypal. My wife thinks she has occasionally fallen for it as well. 

Please consider regulating this consumer-unfriendly practice. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Affiliated Management Services
State: AR

Complaint narrative:
I was never given any dates of service, an itemized statement or any evidence they had to verify the debt. 

I was covered by XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: AL

Complaint narrative:
I am a XXXX person that has a lot of of XXXX problems and I have XXXX and I am on a lot of XXXX XXXX XXXX that has to be monitored through XXXX XXXX. I have been dismissed from doctors offices because I couldn't keep my appointments with these doctors offices because my XXXX prevented me from keeping these appointments because my XXXX was XXXX to where I could not move. I have good days and bad days. I have been told that it is the doctors orders not to take me on as a new patient because I have missed to many appointments. And my health has gotten worse because these facilities not giving me the right kind of medical treatment and care and medications that I need in order to function properly. Instead my insurance company chose to make jokes about my health and welfare and to no avail has tried to help me. XXXX XXXX representives have even hung up the phone in my ear and has made a mockery about my family and health. XX/XX/2018 I have been part of XXXX XXXX. I have had XXXX work done in which XXXX XXXX pulled all of my XXXX out all in one day and I could have bled to death. And this company wanted me to pay the remaining balance of {$310.00} when they went behind my back with out my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mountain Run Solutions, LLC
State: AZ

Complaint narrative:
Mountain Run Solutions purchased a discharged debt from XXXX. The debt was discharged XX/XX/XXXX in bankruptcy court. Mountain Run has been made aware of debt several times via email XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX via certified mail from my attorney. Mountain Run Solutions reported date opened as XX/XX/XXXX ( post discharge ) which is not accurate and deceptive, this company has refused to comply with discharge orders and continues to report to credit bureaus.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XXXX, XXXX I returned clothes to XXXX that I had charged to my XXXX  comenity card. On XX/XX/XXXX I received an email from XXXX  confirming the return but it only acknowledged half of the items Id returned. The credit was supposed to appear on my statement in 14 days. I never received that credit. I continued to get statements with no credits for my return. I spoke with XXXX  and comenity many times on the phone, wasting hours and hours of my life. Also hours wasted messaging them through their message portal. I emailed XXXX  and Comenity XX/XX/XXXX disputing my entire balance and attached all documentation. They never investigated a thing. 
Attached is their return confirmation email, which was insufficient and never credited. Attached is also all other documentation supporting my return of items that appeared on two packing slips, of which XXXX had previously only acknowledged receiving the items listed on 1 of the 2 packing slips. Comenity is continuing to report my account as delinquent to the credit bureaus, ruining my credit and my good name. Collections is still calling and harassing me daily. I do not answer their calls. I reported all of this to the XXXX  also, to which Comenity responded that they would research it in the next 30 days. Comenity never even bothered to research the documentation THEY sent ME, which is on my account in THEIR system, and theyve had since XXXX to do that. It was XX/XX/XXXX that I first complained about never getting credit for my return and that the return they acknowledged was only for half of what Id returned in XXXX. 

Comenity has no remorse for abusing and harassing me for monies I do not owe, nor for ruining my credit. Comenity is apparently stalling resolving this issue and restoring my good credit. It appears to me that they intend to never investigate and to never correct their egregious errors! They have no empathy for the damage they are causing to my good credit nor the mental anguish this is causing me. They continue to ask for MORE TIME to investigate! I find this infuriatingly unreasonable. 

I believe Comenity should, in addition to marking the fake debt paid in full and on time, pay me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: CA

Complaint narrative:
BBVA USA lied to me and mishandled my funds in my account and paid a fraud levy that was sent to them from a fraud Child Support whereas the person robbing my account pretended to be apart of the California Child Support system sent them a levy they fraudulently created. I had problems with banks paying fraud levys in the past and went to a government office in XXXX XXXX and the women removed this fraud case before my eyes it was old and suspicious an empty case in the system and she also sent the removal to the California XXXX. Someone used my social security number a hate crime and created this Child Support case that was removed from the system in identity theft. I gave BBVA USA proof that XXXX bank got a levy and paid out money from my account and credited me after they found out it was a fraud I gave BBVA USA the documents before I opened an account with them I was afraid my account would be robbed so before I agreed to open an account I just wanted to make sure that they would not give my money away unauthorized they told me before they would give my money away the would get my authorization to pay money from my account. My account was debited : XX/XX/2018 {$6600.00}, then {$170.00}, then {$220.00} and {$73000.00} they paid this money XX/XX/2018 to a fraud posing as a Child Support Collection. 
I need my money back, depositors money is not for you to give away to frauds give me my money back your representatives lied and said you would protect me as a consumer and my account from fraud activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
My Escrow account currently shows 2 erroneous tax payments made on XX/XX/XXXX for {$1400.00} and {$26.00}, which the city never received and which do not match any tax bill the city issued. On XX/XX/XXXX I received a delinquent tax bill for my 2020 Winter taxes in the amount of {$1200.00}. To avoid further complications on XX/XX/XXXX when the city no longer accepted payments, I paid my delinquent tax bill. I notified XXXX, XXXX. of this issue on XX/XX/XXXX, no resolution has occurred despite XXXX re-issuing a " response due date '' three times, the original response date was for XX/XX/XXXX, then XX/XX/XXXX and XX/XX/XXXX. No response has been given as of XX/XX/XXXX despite several phone calls to resolve the issue. During these calls no useful information was provided and the response due date is simply extended with no further action taken by XXXX. I need to be reimbursed for my tax payment. I need the erroneous escrow payments refunded to escrow and I need to know the resolution to avoid this error on my summer taxes. I am submitting this complaint based on the lack of adequate response and approximately {$3000.00} missing from my account with no answer as to where it went.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation