vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I clicked a promotion on citibank 's website that stated if I put {$15000.00} into a savings and checking account, I would receive {$400.00} in 90 days. The person I spoke to said my account met all of the requirements and should have received the money on XX/XX/21. I did not receive it and sent a complaint. They stated in a letter that my account did not have the promotion code attached. I was never given a promotion code and that wasn't needed to open the account. It was simply a link to click and then open the account and follow the rules which I did.

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 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Took my then XXXX XXXX XXXX mother with XXXX to the bank to change her account to one that has no fees ever. The bank changed her account and PROMISED NO MORE FEES. Well the bank changed the account without any notice and began charging XXXX dollars each month, now XXXX dollars total. I went to the bank as soon as I could and even though the same girl ( ms. XXXX ) remembered us changing the account. She pretty much said, they would not credit her account. I asked for the branch manager but was told he was out sick and may not be back for a while I then asked her to call the district office she said we don't have that number. I tried XXXX Suntrust 3 times talking to 3 supervisors. None willing to help. 
Banks can not steal from the elderly, especially elderly and sick.

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 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Due to Covid-19, my household has faced a reduction in income. We are just getting back on track with bills and managing everything at the same time. However, in the course of the last few months we have had a few returned payments from ACH payments related to our bills that were set on AutoPay. Navy Federal Credit Union has charged us over {$600.00} in returned payment fees, many of which were for the same bill that attempted to be drafted more than once. We have reached out to Navy Federal on multiple occasions, via phone calls, in person visits and in writing, requesting that at least some of the fees be returned as goodwill in order for us to continue getting back on track during these hard times. However, Navy Federal has denied our request for the fees be returned stating our account was not eligible and replied to our letters stating they were available to answer questions regarding the fees but we haven't made progress as far as having any fees returned.

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 2021-05-09 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: MI

Complaint narrative:
I've sent numerous personal update information letters to the three major credit reporting agencies to have inaccurate information removed to no success. Dates XX/XX/2021 XX/XX/2021 XXXX {$21.00} each transaction 2 transactions.

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 2021-05-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have filed my complaint in XX/XX/2020 I NEVER received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Veros Credit, LLC
State: AL

Complaint narrative:
I paid off my car loan over two months ago with a settled for less agreement and veros credit told my I would get my title in about two weeks. I called them several times after that two weeks had passed and they would tell me different stories such as the title is in the mail or that they forgot to send it. A few days ago they finally tell me that they hold titles for at least 180 days after final payment. Thats illegal and unethical and I need the title that legally belongs to me to be able to register my vehicle now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The items I need deleted are listed in the report. I am a victim of identity theft and did not make any of these transactions. I have no knowledge of such accounts and did NOT obtain possession of any goods, services, or money as a result of the accounts/transactions. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have filed and completed a Federal Trade Commission 's Identity Theft Affidavit. I need the fraudulent items deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
My Simple account was transferred to a BBVA account which was supposed to be a seamless transferred today will not let me log in and have access to my funds. I can not log in, I can not see my balance, and they are closed for the weekend and I cant contact and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
The person claimed to be the owner of a house that I was interested in leasing. They instructed me to send security deposit to ensure I was serious about renting the house using XXXX payment service. They instructed to send {$950.00} to the email address XXXX using the name XXXX XXXX. I had issues sending payment so I requested their bank information in order to deposit a check. The banking information they gave was XXXX XXXX at chase bank with the above routing and account numbers. I ended up getting the XXXX payment to work, so I sent it that way. They promised to send a lease and proof of ownership the same daywhile they sent a lease, it is entirely fake and they were unable to prove ownership of the house. The receipt sent for the security deposit listed the following vacant address : XXXX XXXX XXXX, XXXX, XXXX, Florida, XXXXWhen I pointed this out they stopped responding to all calls and messages. Another number found was ( XXXX ) XXXX Bank Info : Bank Name : XXXX Bank Account Name : XXXX XXXX Routing Number : XXXX Account Number : 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 2021-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I created an account on XXXX XXXX under the auspice that I would be able to easily transfer the funds via the platform Gemini ( 'Cash out to Gemini - Anywhere ' they advertise ). I deposited thousands of dollars and used the XXXX platform. When it came time to withdraw some funds, I tried to create a Gemini account near the end of XXXX. I submitted documents in accordance with their verification process, including a scan of my passport, government ID and I believe a document with my address. Their international requirements were a little grey and on XX/XX/XXXX received an email stating : " Thank you for providing your document ( s ) for review! We're excited to have you join the Gemini community ; however one or more of the documents did not meet our verification requirements. 

You have submitted an invalid ID type. To proceed with the identity verification process please upload a full and clear image of your driving license or National Identity Card from your country of residence so that our team can complete verification. '' From this message it was unclear which document was invalid and why. I inquired with support but never got a reply. Because I don't have a driver 's license, I acquired a new piece of government photo ID for the sole purpose of verifying my account. 

In midXXXX  I submitted my documents, including new piece of valid ID, and expected to be verified but never was. My verification status continues to say " Pending '' and I have not been able to receive a response from a human in customer support.

Having waited over 2 months for my account to be verified while my money was held hostage, I looked for solutions online and found that others ( there are MANY others ) had had success closing their 'pending ' accounts and creating new ones from scratch, so I gave it a chance.

However, when trying to create an account using a different email address I was immediately notified that the new account had to be closed. 

" Due to a recent account review, Gemini has determined your account must be closed. Unfortunately, we are not able to elaborate on the specifics for this decision. If a balance remains in your account, please contact XXXX '' So, now have over {$6000.00} USD locked on XXXX XXXX with no apparent way to access it, while the company profits off the recent increases in cryptocurrency value. Gemini acquired XXXX XXXX in XXXX. The exclusive relationship would be tolerable if users could actually create accounts and withdraw their funds. The industry standard for verifying accounts is typically a few DAYS, weeks and months without any communication is negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
these bureaus are falsely reporting alleged debt which is a FCRA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
The mortgage company Mr. Cooper took unauthorized payments out of my bank account multiple times over resulting in financial stress for a number of days. Their customer service has been nonexistent telephone numbers are busy or they dont answer Ive tried for at least XXXX hours to call him with no luck. I fear that theyre going to do this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Management Refused for XXXX years on providing information on who closed my XXXX bank account and possibly drained XXXX funds after XXXX passed away. Was told XXXX someone submitted documents stating my XXXX remarried which was a lie and that he had all rights to her money as well as my XXXX. XXXX XXXX XXXX was an attorney XXXX fired because XXXX neglected his client and now caused me to become a victim based on forged documents.

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 2021-05-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My Name on my Equifax Credit Report is spelled and reporting incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021, customers who used Simple as their bank ( backed by BBVA USA XXXX had their accounts migrated to XXXX. The conversion has been a complete trainwreck, with thousands of people being locked out from being able to create new login information and/or accessing their accounts. In my case, my account is locked after following instructions XXXX laid out via their official XXXX. Their password resent protocol does not work. And customer service isn't available until XXXX. They've had over a year to plan this conversion out, and it has been a massive failure on all fronts. Big bank bureaucratic XXXX like this is exactly why people like myself signed up for Simple in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had approximately XXXX $ ish in my Simple bank account before they " dissolved '' into XXXX. I haven't been able to check my balance because my account no longer exists, and my card has been declined everywhere. even in ATMs. For XXXX to do this on a XXXX is absolutely criminal. as well as hanging up on people trying to get information about their accounts. They've had MONTHS to prepare for this. they announced it back in XXXX. I don't have any money anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Ive been disputing items that are incorrect on my TransUnion credit report and have provided documents to prove the error, but TransUnion have yet to correct this matter and is violating my fCRA rights XXXX. XXXX XXXX XXXX is reporting late payments XXXX, XXXX and XXXX of 2020 is being reported incorrectly, the payment history is included in the attached file XXXX XXXX is reporting no late payments but is reporting derogatory XXXX. XXXX XXXXXXXX is reporting no late payments but is reporting derogatory..

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 2021-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
In XXXX of 2020 they paid my insurance company twice on accident. They have yet to get that money back. The insurance agency has sent the check but it has not been deposited. The company XXXX has not gave me a response on how they will be getting my money back. Nor am I able to go directly to the insurance company as the payment came through amerihome.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: CA

Complaint narrative:
For the past XXXX days ( XX/XX/21 - XX/XX/21 ) my PayPal account had been 'temporarily limited, ' so, I tried to resolve the issue by providing them with personal documents that they requested to prove my identity, such as a driver 's license, a credit card statement, and a debit card statement. But today on XX/XX/21, I received an email from PayPal saying that I could no longer use my account and that its been 'permanently limited, ' because of a 'potential risk associated to it. ' The email even goes on to say that the funds that I have in my account XXXX {$230.00} in my PayPal balance and {$530.00} in Bitcoin ) would be held up for 180 days and can not be withdrawn. However, not once did they ever give me any specific reasons as to why my account was limited or why they decided to completely ban it. So, based on their vague responses and unjust actions, I believe that they do not have any valid reasons for the ban and that they're simply abusing their power and are stealing my funds. So I hope that the CFPB will resolve this issue as soon as possible, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
My XXXX and I have ( had ) multiple accounts with simple [ bank ] and our accounts were suppose to ( seamlessly ) merge in to XXXX compass ( theyve had a very long time to perfect this transition ) this morning was the date and they complete XXXX it up leaving all simple bank members with XXXX access to our accounts/funds ; moreover we were given no follow up email. I and many resorted to XXXX to find info. The only option they gave us was to call ... which is how we all spent our day, on hold, only to be disconnected. After all this the only thing we have is an apology via XXXX and telling us that we can now spend our XXXX ( XXXX XXXX ) on hold with their company again to attempt to gain access to our accounts and funds. We are quite concerned at this point and like my XXXX and myself we have paychecks that go in to a newer account and an additional account for certain bills, that are automatic, and require moving money in to it and I can do nothing about it. This should have had a fix done today. This should have been done in batches to prevent this and nobody should have to spend their entire weekend on hold with a bank that doesnt even care to send us correspondence, updates and assurance for a mistake of this caliber. XXXX must be held accountable for this. The moment I have access to my money again I will be moving it elsewhere. This is absolutely unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: VA

Complaint narrative:
Ive previously had a XXXX account and I cant get back into it. I need help accessing my account & I need a new card as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
This company sent me a Court Summons right after I submitted a letter requesting validation, so they didn't give me XXXX days to request validation. They took legal action. They are saying they received a blank letter but I have proof of the letter I sent, and all were sent certified mail return receipt ( As you can see in the attachement ) The letters has blank pages between them to separate the information. 
This company sent me validation for a debt that is not mine. The bill of sale is not under the name of this company, as you can see is under another name, my name or signature is not there either anywhere!!, and the INCREDIBLE THING is that this bill of sale that was used to summon me to court was made and signed a year before the account they claiming I owe, was even opened. It is impossible that a Bank sold an account to a collector a year before the account was even opened with the bank. This company is falsifying documents to claim I owe them money. How is it possible you summoned me to court with a document like this? 
Attached is the proof of some documents they sent me with the bill of sales under another 's company name and was signed in XXXX XXXX!! 
I want this company to cancel that summons immediately and stop collecting a debt they don't own and I don't owe to them. Otherwise, I will submit proof that I don't owe this debt and will put my case with a lawyer to demonstrate you are violating the law.

Company response to consumer: Closed with explanation