vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My Citibank credit card information was stolen XXXX in XXXX and XXXX, as many charges, adding up to more than {$500.00} were charged in my card ( most of them were charged in a XXXX telephone company, I have never been to XXXX nor heard of that company before ). 
Citibank contacted me on XXXX asking if I had done these purchases and I said no, and I froze my credit card and was issued a new one. Fraudulent charges appeared again on the new card, which I disputed again. I have called citi and talked to their representatives 5+ times, and they told me the disputes would be solved in 60-90 days. Fast forward to XXXX, they sent a statement saying they kept the disputes as I hadnt provided enough information they requested, even though I had answered all of their questions multiple times we were on the phone. 
So I called again in XXXX, to reopen the dispute, and they tell me they'll submit the disputes again and will get it resolved. Fast forward to today, 2 months later, the charges are still in my card and I am being charged interest for $ XXXX fraudulent charges I did not make.

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 2023-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Requested for the following : Claims # XXXX Claims # XXXX Claims # XXXX I have not yet to receive any updates or provided any redress within regards to Consent Order XXXX. If this complaint will end up with every other complaints filed that Bank Of America NA ignores and repeatedly violates the law gets to walk away with it. What other means are there for consumer if CFPB fails. Bank Of America NA did not resolve anything. BOA responds with the same auto response refuse to give provisionary credit and mishandles claims and not compliant with the Law.

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 2023-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XXXX of 2023 I sent up automatic payments for my mortgage with Wells Fargo Home Mortgage. Providing bank statement to prove this. In XXXX of 2023 I received a letter from Wells Fargo Home Mortgage stating I was behind on my payments. I looked at my bank statement and see Automatic Home Mortgage payment XX/XX/XXXX of 2023. Auto payment was not made on XX/XX/2023. I did not stop the automatic payment. It looks like Wells Fargo stopped the automatic payment. I called Wells Fargo about this and they said I was never setup for auto payment. I then asked what does it mean then on my bank statement. Wells Fargo did not have an answer for me about what this means. I then went to the Attorneys Generals office of MN for some help. Wells Fargo responded and still maintains that I was not setup for automatic payments. Wells Fargo also is still avoiding to answer the question " What does it mean on my bank statement Auto Payment Wells Fargo Home Mortgage? '' What is even more concerning then is why did Wells Fargo Home Mortgage auto draft a payment if I was not setup for automatic payment according to Wells Fargo. I was making my payments early and so it does not show auto pay until I stopped making them early, which would be XXXX of 2023. Then the auto payment shows back up in XXXX of 2023. Then it looks like Wells Fargo decided to stop the auto payment.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2023, I logged into my Equifax credit report and notice they still have my pay history incorrect with XXXX XXXX. They keep showing for the month of XXXX I was late, however in the remarks section it shows I'm current. I was not late for my XXXX, XXXX, or XXXX payments. The XXXX payment was made with a Cashier Check, the XXXX payment was made with a direct deduction from my XXXX XXXX  Account ( 20 days before the payment was actually due ), and the XXXX payment was made with a direct deduction from my XXXX XXXX XXXX XXXX account ( XXXX  days before the scheduled payment was due ). All these payments have been made on time and the money has been successfully deducted from all my accounts. These petty mistakes and mishandling of my credit report is not only causing me problems with my credit score, but also affecting my ability to get credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Dispute Report Number # XXXX Equifax Agent identification : XXXX # XXXX ( XXXX ) I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA.

15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly.

The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( XXXX ) ( a ) anXXXX XXXX Account # XXXX ( a ) ( 1 ) ( a ) Equifax is reporting duplicate account entries. 

XXXX. XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Dispute Report Number # XXXX Equifax Agent identification : XXXX # XXXX ( XXXX ) I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 

15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly.

The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( 1 ) ( a ) anXXXX XXXX Account # XXXX ( a ) ( 1 ) ( a ) Equifax is reporting duplicate account entries. 

XXXX. XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to bring to your attention an issue related to 15 U.S. Code 1666b. This code stipulates that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted specific measures. 

I have observed that XXXX XXXX XXXX  reported a late payment on my credit report, and I believe this may be in violation of 15 U.S. Code 1666b. The code ensures fair treatment of payments and prevents unjust penalties. 

I kindly request your assistance in investigating this matter and ensuring that XXXX XXXX XXXX  complies with the regulations outlined in 15 U.S. Code 1666b. 

Thank you for your attention to this matter, and I appreciate your efforts in safeguarding consumer rights.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to bring to your attention an issue related to 15 U.S. Code 1666b. This code stipulates that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted specific measures. 

I have observed that XXXX XXXX XXXX  reported a late payment on my credit report, and I believe this may be in violation of 15 U.S. Code 1666b. The code ensures fair treatment of payments and prevents unjust penalties. 

I kindly request your assistance in investigating this matter and ensuring that XXXX XXXX XXXX complies with the regulations outlined in 15 U.S. Code 1666b. 

Thank you for your attention to this matter, and I appreciate your efforts in safeguarding consumer rights.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
I am appealing to the CFPB for intervention regarding the restrictive {$5000.00} weekly sending limit imposed on my cryptocurrency transactions by Coinbase. As a U.S. citizen, a verified Level 3 user, a holder of the Coinbase Visa card, and an IT professional, I find this limit, purportedly for security reasons, completely unjustified and a hindrance to my financial independence. This is especially so considering the robust personal security measures I utilize, such as employing a password manager, two-factor authentication, and additional security best practices. 

I made efforts to address this issue with Coinbase on XX/XX/2023, but my case was abruptly closed on XX/XX/2023 without any form of response or rationale. Such dismissal not only disregards my need to self-custody my assetsa fundamental right in the cryptocurrency sphere that allows individuals to manage their holdings directlybut also ignores the fact that not all Coinbase users are subject to this same limit. The imposed limit means it would take over 2 years to transfer my entire portfolio to my personal wallet. This is not only impractical but also runs counter to the principle of autonomy that cryptocurrency is built upon. This is in stark difference from the {$500000.00} daily transfer capability I have with XXXX. This discrepancy reveals a significant inconsistency in user treatment and a deviation from accepted industry practices. 

The weekly transaction limit also leads to an accumulation of excessive network fees, undermining the cost-efficiency that blockchain technology is known for. The constraints imposed by Coinbase do not align with their promises of transactional freedom, and the opacity of their customer service response has left me without clear justification for how these limits are determined or can be reviewed. 

The current limitation not only undermines my ability to engage in the cryptocurrency space as an informed and responsible user but also limits my financial freedom without a valid basis. I am fully aware of the risks and have taken more than adequate steps to secure my holdings, which should be acknowledged through a reconsidered sending limit appropriate for my situation. 

Therefore, I am requesting that the CFPB support my plea for a substantial increase in my sending limit, reflecting my verified status and my capabilities in managing security risks. Such an adjustment would also ensure equitable treatment in line with other users and market norms. 

Enclosed is evidence highlighting the differences between the sending limits set by Coinbase and those available to me through XXXX. I am grateful for the CFPB 's assistance in this matter, aiming to uphold my rights to securely and effectively control my cryptocurrency investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I financed a car thru XXXX XXXX  XXXX as time went on XXXX XXXX XXXX  went out of business for conducting crooked business exactly the same time I around to pay off the car how ever this happened with the company going out of business the car was paid off and then transferred over so on my credit its says I never paid off the car when I did the car was fully paid off and the transferred to somewhere unknown even XXXX couldnt see where it was transferred I have contacted the company and they have no information if me at all but have a disposition on my credit report. This report needs to be updated as paid off or completely removed from my credit profile because it was transferred and no one knows where it was transferred to and now its showing as a collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Regarding account ending in XXXX Citibank is still reporting information on this account and has admitted that they have sold this account to another company. This account shows inaccurate information, XXXX shows account in collections and XXXX shows all payments made on time. If Citibank sold this account to another company, why are they still reporting inaccurate information. 
I believe Citibank is purposely trying to harm my financial wellbeing. During Covid Citibank removed all of my available credit because I was late 1 month on my payments and when Citi removed all my available credit to protect themselves my credit score dropped XXXX points in 1 day. 
How can Citibank still be reporting an account that they sold. 
According to 15 U.S. code 44 Documentary evidence. I am requesting that Citibank show all documents relating to account ending in XXXX this includes all documents, papers, correspondence, books of account, and financial and corporate records.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I have disputed this tradeline with Netcredit several times and they keep reporting misleading and inaccurate information on my credit report. They are not complying with the FCRA and are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX we received our Escrow Account Summary. It showed our insurance and tax disbursements were doubled. Our monthly payment went from {$1200.00} to {$1400.00}. Just a side note : We have also been paying more towards our mortgage and we are now one year ahead on our payments. We have tried to find out why our escrow and payments are increasing and no one can give us an explanation. For example : Our insurance is {$990.00} yr and our taxes are {$5100.00}. But, when we see our Escrow disbursement history summary, its doubled.

Insurance Last year 's projected disbursements are {$900.00} Last year 's actual disbursements are {$1900.00} Taxes Last year 's projected disbursements are {$4600.00} Last year 's actual disbursements are {$12000.00} Total disbursements from escrow Last year 's projected disbursements are {$5500.00} Last year 's actual disbursements are {$12000.00} We also received an Escrow Account Disclosure Statement telling us that the total monthly payment is changing starting XX/XX/XXXX and there is a ( XXXX ) -month escrow shortage. 

This does not seem legal and no one can explain in detail why after we are XXXX year ahead of payments, our mortgage payment and escrow has increased so much. Its like we are being discriminated against for making extra payments. Something is definitely wrong with this. We have contacted the branch, corporate and the mortgage department with no help whatsoever. We can not even go to a branch to help us because no one handles mortgages. They can not even provide us with a mortgage representative for an in person in-depth conversation to resolve this or provide explanation or advice.

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