vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 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: IN

Complaint narrative:
I contacted Citibank about 58 charges made to my credit card account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These charges were made by a XXXX XXXX XXXX who DID NOT HAVE PERMISSION to use my card to purchase online games.

I communicated with Citibank through their online interface, through fax and phone starting XXXX XXXX  (when I first noticed the charges on my statement). (This wasn't a card that I used. I had the payment on auto-pay, paperless billing until the promotional balance was paid in full.)

Yesterday, XXXX from Citibank called to say that they were not honoring the dispute because I didn't make the dispute in time, I paid the balance of the charges in XXXX, and that I couldn't prove that my XXXX XXXX XXXX  made the charges without my permission. 

- I first disputed the transactions on XXXX XXXX and continued to attempt to communicate with Citibank agents. I was routinely passed to different departments who said I would need to contact different departments. One number that I was given was even disconnected.
- I paid the balance of the charges in XXXX because Citibank was not responding to my claim and they were continuing to charge my account interest.
- I did not give my child access to my account nor permission to use the card for XXXX, let along 58 charges totaling over XXXX dollars in just over one month.

There are 58 charges from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   for digital goods-games. I did not make these transactions to XXXX  nor did any authorized users on my account make these transactions.

I've tried on several occasions to communicate this issue to Citi including by fax. I would like these charges reversed and my account fully credited.

Transaction IDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
This company is misallocating funds. I have reached out to them on several occasions to resolve the problem. I would get hung up on and finally receive a notice with an explanation that does not make any sense. I let it go at first, but it keeps happening and I'm sure I am not the only person. I also had a problem with closing this transaction and the funds were also mismanaged. 

1st. occurrence - This loan was refinanced and the first payment was not due until XX/XX/XXXX - I made payments XXXX payments to the principle only prior to the initial due date and noticed on the statement they used a portion of it for the interest. I called to fix the problem only to get the run around, but I let it go because it was getting very stressful with being handed off to many representatives. 

2nd occurrence - On statement dated XX/XX/XXXX - I had an escrow balance of {$7500.00} a payment was made to my insurance company in the amount of {$980.00} and on the following statement it showed a payment to the Tax Disbursement in the amount of {$4700.00} - for a total amount of {$5700.00} which should have left me a total of {$1800.00}, however, when the statement dated XX/XX/XXXX came out, it only showed a balance of what was just added {$840.00}. I inquired about the balance and could not get a straight answer. 
After my escrow balance started all over from scratch, my escrow amount was not enough and they sent me out a notice that my payment would increase unless I paid the amount of {$360.00}, I paid the overage and my payment still went up. I didn't notice the increase until a few months later. when I inquired about the payment, they made a few adjustments on my account and reallocated more money into my escrow account. 
I pay biweekly with an additional {$150.00} per month going to my principle, these payments are automatic. After the adjustments were made, the company was now reporting that I missed a payment, they waived the first late fee, but didn't the 2nd month. This was reported to the credit company and dropped my credit score by XXXX points. This caused me financial harm with my other creditors. I reached out again via an email and they fixed the credit report, but then they messed up again, by placing a very low amount into my principle account and doubling the amount that was placed in the interest account. 
If you follow the paper trail, this situation should have been resolved immediately, but here I am frustrated with all of the money that has been misallocated, gone missing and just overall mishandling of funds. I set this account up to make my payments on time with a little extra to pay off this loan sooner, but the customer service and the lack of understanding caused me to submit this request.

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 2023-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dept of treasury XX/XX/2023 1. {$110.00} 2. {$520.00} 3. {$520.00} 4. {$1400.00} Im disputing the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of the original contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. Dept of treasury are illegally attempting to collect the above-listed alleged debts and money that I do not owe. 

Duty to Promptly Correct and Update Information. Section 623 ( a ) of the FCRA also requires a person who regularly furnishes information to CRAs to promptly notify a CRA if the person determines the previously furnished information is not complete or accurate.

Ive requested an investigation to see if all the information of these alleged debt accounts are accurate 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

My rights have been violated and several consumer laws have been violated.

15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2023-11-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I sent RC/RESURGENT RECEIVABLES A certified verification letter on XXXX the company didnt sent original documents to verify debt they continue to hit my credit XXXX Debt Buyer Individual XX/XX/2023 Collection account. {$770.00} past due as of XX/XX/2023. 
XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: BMO BANK NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I received notification from Bank of the west debit fraud alert on the morning of the XXXX of XXXX. I responded immediately. 
There were multiple charges from XXXX against my debit card. 14 charges of {$9.00} and 6 at XXXX that had happened close to midnight on XX/XX/23 and into the morning XX/XX/23. 
I checked my email and noticed the fraud alert. 
I immediately called the bank and I reported that they were not my charges. They closed my debit card at that moment. The operator started the process of replacing my debit card. 
Then i looked online. My account showed All charges were still in pending. I contacted the bank again and they said I'd have to wait until Monday when the department was open. 
I called Monday XX/XX/23. They said they would start the process of investigating the charges. they allowed all of the charges to procces and the money to be removed from my account. Approximately 12 days later they reimbursed what at that time i thought were all the fraudulent apple charges. 

Now almost 3 months later they Withdrew the amount that was reimbursed. {$170.00}. During all of this mess Bank of the West was in transion to BMO bank. 

Today XX/XX/23 going back and looking at my account and reconciling. I relize they did not in fact fully reimburse me. The original amount that they alerted me to was {$250.00} They only had reimbursed part of the fraudulent charges. Which I did not realize. And now they have taken that back. 
Needless to say after 25 years I will be moving my banking services away from BMO Harris.

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 2023-11-11 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: Nelnet, Inc.
State: OH

Complaint narrative:
I did not give written instructions to furnish this information on my consumer report, furthermore, the fair credit reporting act 15, usc 1681 ( 2 ) ( a ) states exclusion from a consumer credit report ( A ) Exclusions- Except as provided in paragraph ( 3 ) the term consumer report does not include information solely as a transaction or experience between the consumer and the person making the report.

Also the information on the report is not valid it states I was current and up to date on the moth of XX/XX/2019, XX/XX/2019 And XXXX XXXX How was I 90 days pass do? Id was current those months before XXXX The documents I submit shows the same thing on my credit report on all XXXX accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I need help with Citibank closing my two credit cards within a week of each other. I think there has been a huge mistake, but it is impossible to talk to anyone at Citibank about it. 

I had two credit cards with Citibank - an XXXX XXXX and a XXXX. Both were enrolled in autopay. The autopay for the XXXX  was hooked up to my savings account. In XXXX, XXXX, and XXXX of this year the auto payments came back as returned. 

Citibank never sent me an email or letter in the mail about it, but they did alert me to a private message that said there was a problem with my savings accounts. When I would go into the website to read them an alert told me the system was down and to come back later. I didn't pay much attention to it since I knew I didnt have much money in that account and had forgotten that the savings account was sourcing the autopayment. 

( Some context around the oversight to the returned payments. My father died recently and with wrapping up his estate I have not been paying as close attention to my accounts. Also, I paid off both of these credit card accounts completely recently so they were the last things on my mind. ) After coming back on vacation my AAdvantage card was declined and I called Citibank and the associate told me it had been closed and that there was a message for me, but she couldn't read it to me. I had to be transferred to another department for that and they said because I had had three returned payments that it had been closed. Within a week the XXXX card was closed also even though I have not had any returned payments on that card! 

I called a second time after that card was closed and asked if they could be reviewed. Since then Citibank has sent me a letter postmarked XX/XX/23 stating that the AAdvantage card had been closed and another saying the same for the XXXX card postmarked XX/XX/23. 

On XX/XX/23 I received an email from Citibank stating " Youre one of our best customers, so were happy to announce that the revolving credit limit on your Citi XXXX Card has been increased... '' which made me think it was being reopened and further adding to the confusion. 

Then I received two letters a couple of days later postmarked XX/XX/23 stating that both accounts had been reviewed and weren't being reopened. I have tried talking to someone at a local branch but they refer me back to customer service. 

I am attaching copies of all the letters and emails Citi has sent me that are mentioned above. Thanks for your help!

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 2023-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I applied for an auto loan in private and in good faith, and I was denied. I sent a letter to Bank Of America to resolve the issue but they ignored my efforts. I have exercised my God-given right to extend my credit and that has been violated. Also, there is an inquiry on my consumer report, which is proof of a credit consumer transaction that took place. That transaction did not include me, because that was a transaction between Bank Of America and the consumer reporting agencies. That is fraudulent activity. I have never given explicit verbal or written permission for Bank of America to report on my consumer report. With that explained, my right to privacy has been violated as well. The loan denial is proof of discrimination, and the only resolution is for Bank of America to open my credit account for my auto loan and compensate me for violating my rights and causing me emotional distress.

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 2023-11-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account names : XXXX : Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Since XX/XX/2022 I have been trying to cancel/close my VENMO account. Despite numerous emails, they continue to say it is frozen and can't be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Synovus Bank
State: MA

Complaint narrative:
They were not clear that there was or did not advertise that there was an annual fee I was not told about the annual fee an I close the account after they charge me so they mess my credit bureaus so they mess my credit up then they tell me I have to wait 10 weeks to get my money back in a check when I gave them a bank to bank transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I can not count how many day weeks months years I have been trying to work with all three credit reporting agencies to fix the inaccuracies on my report and remove the accounts from my report that are not mine. Is as if all three reporting agencies are intentionally putting me into homeless status. Every other week they create more inaccuracies onto my report. I spend XXXX XXXX days getting them to fix a bunch of inaccuracies such as unknown accounts, wrong social security numbers, late payments with improper dates, unknown inquiries, these are just a few examples of what I've been working on to have removed and before I can even get that set of derogatory removed I get another batch added exhibits are attached to this complaint. When matching up total dept with the XXXX credit reporting agencies on the first page none of the total debts from either of the XXXX agencies match or are correct, then on the next page they all have different totals from what they report on the first page. I have negative accounts that I do not recognize on all three accounts. I have hard inquiries that I do not recognize with all three agencies. I have late payments with dates that I do not recognize, again this has completely crippled my ability to utilize my credit and it is hurting me and hurting me bad! It's been going on for quite a while. I have asked formcredit reports over and over never getting them. Same with current credit scores. What do I need to do these agencies are making money on using my personal data and at the same time for over a year now at a time I need to have my report true and accurate they continue to do the wrong things. My rights are completely being 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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I can not count how many day weeks months years I have been trying to work with all three credit reporting agencies to fix the inaccuracies on my report and remove the accounts from my report that are not mine. Is as if all three reporting agencies are intentionally putting me into homeless status. Every other week they create more inaccuracies onto my report. I spend XXXX XXXX days getting them to fix a bunch of inaccuracies such as unknown accounts, wrong social security numbers, late payments with improper dates, unknown inquiries, these are just a few examples of what I've been working on to have removed and before I can even get that set of derogatory removed I get another batch added exhibits are attached to this complaint. When matching up total dept with the XXXX credit reporting agencies on the first page none of the total debts from either of the XXXX agencies match or are correct, then on the next page they all have different totals from what they report on the first page. I have negative accounts that I do not recognize on all three accounts. I have hard inquiries that I do not recognize with all three agencies. I have late payments with dates that I do not recognize, again this has completely crippled my ability to utilize my credit and it is hurting me and hurting me bad! It's been going on for quite a while. I have asked formcredit reports over and over never getting them. Same with current credit scores. What do I need to do these agencies are making money on using my personal data and at the same time for over a year now at a time I need to have my report true and accurate they continue to do the wrong things. My rights are completely being ignored!

Company response to consumer: Closed with explanation