vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
I am a Citi priority customer and holding this account with them for many years. I am based in XXXX and initiated an international wire transfer for USD XXXX on the XXXX of XX/XX/XXXX. On the XXXX of XXXX, I received an email stating that my wire transfer was on hold and that I should call on XXXX. Addtionally it stated that if they dont hear from me, the wire would be cancelled. I promptly call this number and after some verification related questions, I was thanked for the verification and told that the transfer would take XXXX hours. 
However on the XXXX of XXXX, I received an email stating the wire transfer was cancelled because they could not reach me. My correct phone number is on my Citi profile and I did not receive any phone calls from them. 
I had to initiate another transfer, called them again for the verification and once more I got an email stating the wire transfer was cancelled because they could not reach me. 
Since Citi does not have an email service that i could write to them, I posted my grieviance on " XXXX  '' and was promptly called by someone from their social media team who also helped me connect with the Wire transfer team who completed another verification over the phone. The XXXX wire transfer was however also cancelled by Citibank and I have now initiated a XXXX one which is pending and my worry is that this one will get cancelled as well because its the same sequence of events that is repeating over and over again. 
I just called their wire transfer service and completed XXXX more verification as well. 

The entire episode has already cost me XXXX XXXX XXXX  of international phone calls, being put on hold for several minutes each time, embarassment with the intended recipient of the wire transfer as well as torture and anguish. 

I work with other international banks like XXXX in XXXX and it is very clear to me that Citibank is working with outdated systems and technology. I am a XXXX XXXX XXXX XXXX  and feel like i am having to beg with Citi for my own money. 

Last but not the least, I would like to mention that I have had an exactly similar experience with Citi in XXXX where the transfer was cancelled at least twice before it was finally processed. 

I have attached screenshots of emails from Citibank as well as a screenshot of my phone with calls made to Citi. There are several more calls made using 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. Also, demand these inquiries be removed from my credit profile I didn't initiate any of them. I ask that these items be deleted to correct my credit report. Fraududlent accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: CA

Complaint narrative:
As of late I decided that I need to keep a closer eye on my credit report. Upon review I was shocked and horrified to find a myriad of errors being reported on my credit report. These inquiry reportings are unsubstantiated and causing mayhem in my personal and business life. I am needing to get funding for my business and these dubious errors are causing unnecessary stress and harm to my mental health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was trying to temporarily lift a credit freeze with TransUnion credit reporting agency. I answered their questions and provided them with my personal information. In their authentication process they asked where do I currently own a property and I told them XXXX XXXX but they said I was incorrect. I called spoke with 10 people in one day and they said my TransUnion file is permanently frozen and they can not unfreeze it for me or anyone else. I asked if I could remove the freeze altogether and they repeated that my file is permanently frozen and the only way to get it unfrozen is to hire an attorney. This is an issue because I am selling my current house to downsize and I can not get another VA loan without all three agencies information. I have no issues with XXXX or XXXX but TransUnion says there is literally no resolution to unfreeze my credit. This is terrible because I am a retired XXXX veteran on a limited income and if I cant get my credit pulled from TransUnion I will lose my {$22000.00} deposit for my new home. Its complete nonsense that I cant unfreeze my own credit report. I have sent a letter in writing with my US passport, license, and social but TransUnion says they are permanently freezing my credit.

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 2024-01-17 00:00:00
Product: Credit reporting 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:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I filled out a 1099A form for Capital One, which the IRS accepted on XX/XX/2024. This form has now become a certificate of indebtedness and is considered as income. Companies usually discharge their debt by XXXX of the following year. Once the debt is discharged, it is illegal to try and receive payment again for a debt that has already been paid. Can you please update my accounts ending in XXXX and XXXX and confirm that it has been paid as agreed by all third-party agencies. Also, please send me copy B so that I can properly complete my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
This is regarding dispute XXXX opened with American Express against the XXXX merchant for XXXX order # XXXX. 

the issue is quite simple but I think American Express is discriminating against me because I am XXXX and not taking my word for honest word. I did not receive any of the items I ordered in this order, all the XXXX trackings say the merchandise is missing from the packages, and even the XXXX merchant via email acknowledged the items were lost in transit and i am OWED a full refund. 

I don't know how american express could deem the charges valid when the merchant themself says the items were lost in transit and I am owed a refund ; further, ALL the XXXX trackings for the order state the merchandise was missing from the package. Thus I am owed my money because i did not receive any items i paid for..quite simple.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-17 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: CA

Complaint narrative:
There are accounts under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.

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 2024-01-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are accounts under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.

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 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-17 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: IL

Complaint narrative:
The other day I was looking at my credit report and was shocked to find a number of errors being incorrectly and verifiably reported on my credit. This lack of diligence by the bureaus is incredibly wrong and frustrating and is causing a lot of stress in my day to day life due to the bureaus reporting misinformation without verifying it and without getting my authorization to do so.

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 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX   I made a debt settlement payment of {$2100.00} through XXXX XXXX XXXX to XXXXCiti . I was informed by XXXX XXXX that this was a settlement that XXXX and Citi agreed upon and would clear any other amount I owed. XXXX XXXX XXXX uses XXXX XXXX XXXX to make payments. 

1 ) XXXX XXXX has never provided me with written information on any of the settlements I have completed. 
2 ) XXXX says they returned my account to Citi on XX/XX/year> and do not show a settlement payment. 
3 ) Citi recovery department says they haven't received a payment since XX/XX/year>. 
4 ) I have not received any paperwork from XXXX nor from CITI the entire time I have been in dispute and or settlement with them. 

The payment was made, money was taken out of my account, and not one of these companies is taking responsibility to post this money. Fuerthermore, XXXX XXXX XXXX owes me a refund of {$1200.00} per the case manager I have spoken with. Finally, XXXX XXXX XXXX does not return my phone calls nor do they return my email requests to speak.

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 2024-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
My loan company has not been applying my payments to any of my late fees and has been charging me late fee 's for my late fee 's. According to them, I've never paid any late fees and all payment made online have been applied to the interest most of all and partial to the principal. I requested the information in detail for the payment allocation and was just forwarded back to the payment history page online which has very minimal information. I fear that at the time of my maturity which is in about 6 months they will push more hidden fees on me than expected. The other issue is the true balance payment due. The amount keeps changing, yesterday I made a payment and before the payment it said I owed XXXX, made a payment of XXXX and this morning it's telling me I owe XXXX. With that said, I want to protect myself for paying anymore additional fees than I have to.

Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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

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 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone transferred money out of my checking account and went to appeal box USPS box and the bank does not want to refund my money say that it was authorized and it was not authorized by me

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is a follow-up to my previous dispute regarding fraudulent inquiries on my credit report. Despite my initial request, the unauthorized inquiries persist 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 explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
Around XXXX of XXXX, I was phished for a phone code from who I thought was a XXXX contact. Family in Texas was contacted by scammers multiple times and asked for money. They verified with me that it was not me. My XXXX page was locked down when someone other than me tried to change the password. I attempted on several occasions to unlock it and sent in all the requested information and materials, but was unable to contact anyone or unlock my account. On XX/XX/XXXX, I received a phone call from a loan agency asking me if I wanted to consolidate my credit card debt and my mortgage together. I knew I must be the victim of Identity Theft because I do not use credit cards. I spent the next 2 days going through all my logins, financials, apps, and whatever else on the to do list and discovered that my social security number was incorrect with the credit agencies, I had numerous aliases and multiple fraudulent addresses listed in my files. I only used my Coinbase account for a short time to learn about crypto, but soon realized it was complicated and technical. I left the account idle for a long time, and noticed it had a balance that was not mine when I began my investigation. I worked with Coinbase Support to secure my email, secure the account, and then close it down. I filed a Police report on XX/XX/XXXX with my local sheriff 's office and sent it to my credit agency which has now corrected all the disputes with my personal information. The only company left to correspond with me is Coinbase. It has been extremely difficult to work with Coinbase, and speak with an actual representative so that this matter can be resolved. I have given Coinbase Support my complete personal information including emails, and cell phone numbers. As of XX/XX/XXXX, I have had no correspondence with Coinbase in any capacity since my letter was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Mortgage company Newrez acquired my loan holder company called XXXX XXXX loans. My homeowners insurance is paid out of a escrow account. Newrez did not make the payment to XXXX XXXX XXXX and my policy was cancelled due to lack of payment. Per Newrez they attempted to call XXXX XXXX XXXX at XXXX on XX/XX/scrub>XXXX XXXX and XX/XX/scrub>XXXX XXXX was left to get billing information. Newrez also faxed a letter requesting the billing information to XXXX, no reply was received from XXXX XXXX XXXX At no point after Newrez identified that there was a problem paying the homeowners insurance policy did they try to contact me the homeowner, not by phone, Email, or paper mail. my previous insurance carrier will not underwrite a new policy for my home, so I have to obtain a new policy. This will require me to pay money to get a new inspection among other costs. 
I do not believe that Newrez is operating with the best interests of it's customers and was eager to make money by charging me for their home insurance a a higher rate. 

my deed of trust page 11 section 20 may show that Newrez is obligated handle my policy, it is attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

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