vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am contacting this agency for the third time in regard to the same problem, but with complaints about the said resolution of the institute at fault. My original issue was the forgery of my signature and the disbursement of my funds to an unknown and not intended for individual. All I have asked since I was made aware of his problem was documentation from Citibank as to where my funds were deposited. Please refer to complaint ID numbers XXXX and XXXX. The most recent response from the Citibank Executive Response team on XX/XX/21 was 1 ) a lie about my complaint and sending me a copy of the check in question 2. ) giving me a {$50.00} credit for their mistake. I have made it known to them that I have done everything they asked to resolve this issue and still an avoidance of answering where my check was deposited. I have repeatedly advised them that what was at issue here was the theft of my identity. Apparently, to them, my identity is only worth {$50.00}. I believe now that their bill payment system needs to be taken down as their clients can not trust that their money will be sent to who it was intended and they will never be held accountable for it. I have now submitted my complaint to the FTC and will continue moving up the ladder. Unfortunately, as much as government agencies were created to help the average consumer, I have not found that to be true. I'll finish by saying that I too work for the government and I am proud to help serve the residents of my community, after all that is my job and I do it with diligence and respect..

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 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I have contacted XXXX XXXX XXXX and this agency to advised this account was opened fraudulently and i have the FTC reports to sustain my claims. The company refuse and have very rude agents. Also I have a Consented phone recording where the debt collector refuse to give me info for the legal department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
credit bureau is continuing to allow XXXX system to report false and fraudulent information on my report. I have attempted to resolve this with them since XXXX of XXXX XXXX  is attempting to collect a debt for direct energy which does not exist and never has. i contacted them directly and they have no trace of information that relates to me. its false. ive asked several time on multiple requests for proof and it nver has been provided ( once again i knew they couldnt provide because the account with direct never existed ) its for the total of {$230.00}

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 2021-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
Easy pay finance Ive been paying them for over a year and I pay XXXX by weekly on a XXXX loan and I still owe them XXXX didnt realize the interest rate was going to be so high they just told me to try and pay it off XXXX 90 days. I just dont understand why may balance due is not going down. Ive did some research on a few things and was told its because the interest rate is 59 % I didnt know the was legal in state of NJ. Help please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TX

Complaint narrative:
see attach proof that XXXX  using unlawful FCRA violations documents will show the actually before

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This organization is very abusive and is a compulsive liar. Firstpoint Resources or Firstpoint Collection Resources has promised to delete this item when I paid this debt in XX/XX/XXXX and they never deleted this item. They promised again in XX/XX/XXXX when I completed a complaint with the Consumer Financial Protection Bureau. They were not being truthful when they informed the Consumer Financial Protection Bureau and myself that they sent a letter for deletion to XXXX on XX/XX/XXXX. Today marks XX/XX/XXXX and this item is still showing up on my credit report hindering me from receiving the financial services that are needed for my family and I during this pandemic. This a disservice not only to myself but to my family and many of the consumers that trying to survive in this pandemic. It is imperative that we bring awareness to these organizations that lack compassion for consumers. Consumers are facing several issues trying to survive during this pandemic and this organization is doing absolutely nothing to assist these consumers or showing any form of sympathy. 

Per my previous complaint. 

I want to start off by saying I was considering looking for a mortgage. When my lender looked up my information, he thought it was odd that I opened an account in XX/XX/XXXX, but the " creditor '' reported it delinquent in XXXX of XXXX. I thought it was weird as well because how can someone open an account in XXXX but is deemed delinquent in XXXX. So, I reached out to the company and the staff was so rude. So, I ended up paying the {$220.00} and {$52.00} debt that they said I owed with the intent that they would delete the item on my report which they never did. Once I noticed almost 2 months later, I called back and they said they will not remove it but will update the status to " paid in full ''. The representative I spoke with in XXXX said it was my first offense with the company and they would delete it, but the second representative was extremely rude about it. Even when I informed her that I moved and never received any notifications or calls. I even emailed the manager that sent me a receipt and still to this day, I haven't received an answer from him. At this point I feel taken advantage of because of the rudeness and lack of compassion from " Firstpoint Resources '' or " Firstpoint Collection Resources ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: AXOS FINANCIAL, INC.
State: DC

Complaint narrative:
On XX/XX/2021, Axos Invest updated its account services. Due to this update, I no longer had access to my XXXX and Personal Investment account. I spoken to nearly a dozen of customer service representatives, including an account manager, but I have not been told why my account has been locked. Axos Invest refuses to give me an updates or to inform when this issue will be resolved. Because of this lock, I am unable to add or withdraw over 80,000 dollars worth of investment funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I received a debt collection letter from Transworld Systems for {$370.00} for an apartment application fee. I did not apply for an apartment in that building or at that time. I told Transworld that this was identity theft and they sent me a packet of information, by mail, to complete a report about the identity theft. The packet also included the original apartment application that someone submitted on my behalf without my permission. The apartment application includes the last four digits of my social security number, my state driver 's license and my prior address ( which was my current address at the time of the application date ). It also provides a reference of a " friend, '' a name I do not recognize and a person I do not know. The paperwork in the packet asks for my social security information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am using a Costco Visa card through Citibank to purchase online through Costco.com and avoid going into the stores. The purchases are being charged a PREMIUM price for home delivery. As a result, I am accumulating 2 % cash back by using the REQUIRED Costco Visa card. I received a {$120.00} Rewards Certificate in the Mail and called Citibank to apply this certificate to my credit card payment. They stated that though they allowed it this year, they are no allowing it in XXXX. 

They are requiring that the only way it can be used it to PHYSICALLY shop in Costco. COVID-19 is no better than it was in XXXX and is in fact much worse in South Florida with new Variants. I have an XXXXXXXX XXXXXXXX and am too young to get the vaccine. I WILL NOT BE SHOPPING in any stores for the foreseeable future. Citibank is only too willing to have my charge to their card, but is unwilling to accept the reward certificate I receive from doing so. This is egregious and forcing people who want to spend their cash back into the stores and endangering their health and the health of others. 

I want Citibank to agree to take the certificate as an alternative form of payment against my credit card payment. It has a number that is unique to the certificate the correlates to the bar code. This should be a very easy thing to process and they DID accept this as a form of payment in XXXX, so their systems are already set up to handle this transaction.

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 2021-02-02 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I requested Mortgage Forbearance XXXX XXXX to provide time to adjust to changes with income. On XX/XX/XXXX, I requested the forbearance be removed. Somehow Wells is stating I re-requested an active forbearance. This is inaccurate, Wells Fargo advised I would need to make three payments to reinstate my loan prior to any modification. I began making payments in XX/XX/XXXX and through XX/XX/XXXX. In XXXX, I met the requirements for modification. Wells dispatched a title company 30 days later on XXXX to sign paperwork. In XX/XX/XXXX I began calling Wells Fargo, requesting an update after I noticed my XXXX payment was not applied to my mortgage and placed in a suspension account. I requested my credit report be updated. Wells is reporting NR XX/XX/XXXX. I made payments in XX/XX/XXXX and XXXX. The reporting is making it appear I have not made any payments for 9 months ; furthermore l, have a hardship. My report also has a notation that I am making a partial payment agreement. I escalated to the Wells Fargo Executive Team and have provided them 14 business days to correct the information. I would like the comments on my report updated to paying as agreed. I never paid partial payments. I deferred three payments to the end of my loan. In addition paid 8 additional payments since loan origination. Because I set up bi-weekly payments. I would also like the months I made payments to reflect those. 
It was my understanding the forbearance would not reflect poorly. If I new it would take 6 months to reinstate / modify my loan I would have repaid the suspended payments. This information was not discussed as we are all in uncharted times. I was working with my financial institution on a new loan and their underwriting flagged the non reporting mortgage payments.

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 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 my bill did not go through account with missed payment. I am kindly requesting WELLS FARGO BANK CAR to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 non-monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
This is the second time I've had a MAJOR issue with this company. I was checking my bank account and I saw that Remitly Inc had made 2 unauthorized transfers under my name. The first one was on XX/XX/2021 for {$200.00} and the next one was on XX/XX/2021 for {$200.00}. These " transfers '' don't show up under my Remitly account either, because I never made this request through Remitly. The confusing thing is, the only account I had previously linked to Remitly was my XXXX XXXX account but these charges were made to my XXXX  XXXX XXXX account. I contacted customer support on XX/XX/2021 and they said they " escalated '' this incident but nothing was resolved and the charges are still there. I've already contacted XXXX  XXXX XXXX but that process is still pending and I would like an explanation from Remitly what has happened and obviously a refund for the unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was part of a class action lawsuit against XXXX XXXX and I was awarded a letter that my student loans were cancelled per case XXXX XX/XX/2020 I have opened several disputes with Experian and I am not getting any feed back and they are not looking at the order I sent over a copy of this for them Then I reached out to XXXX, and they refused to give me a good physical address to send over a coy of the court order the representative I was speaking to was XXXX XXXX XXXX XXXX XXXX XXXX A representative will be with you shortly. 
XXXX XXXX.XXXX XXXX is joining the chat. 
XXXX XXXX XXXX XXXX.Hi, my name is XXXX from XXXX, how may I be any of assistance for you today please? 
XXXX XXXX XXXX XXXXHello XXXX XXXX XXXX.are you a real person or A.I.? 
XXXX XXXX XXXX XXXXI am a real person, how may I help you today please? 
XXXX XXXX XXXX XXXXok I have a case number XXXX that discharges all of my student loans as of XX/XX/2020 I am looking for a good address and email address to send over a copy of the court discharge because this is still showing up on my credit report XXXX XXXX XXXX XXXXOkay, before I can assist you with any request, I do have to ask for a good contact telephone number for your account please. 
XXXX XXXX XXXX XXXX XXXX XXXXwhat is a good email address to send over a copy of my discharge XXXX XXXX XXXX XXXXThank you, I will need to ask you to help contact you more efficiently, may XXXX and its subsidiaries, affiliates and agents contact you at this number using an auto dialer or pre-recorded messages regarding your current or future accounts? 
XXXX XXXX XXXX XXXXthere is no reason for future contaxct all myloans have been discharged XXXX XXXXI need a good email address and good physical address XXXX XXXX XXXX XXXXI apologize, but I do need a clear yes or no to contact your cell phone number please. 
XXXX XXXX XXXX XXXXsure yes XXXX XXXX XXXX XXXXTo help contact you more efficiently, may XXXX and its subsidiaries, affiliates and agents send text messages to you at this number using an auto dialer regarding your current or future accounts? 
XXXX XXXX XXXX XXXXnow what is a good email address and a good physical address XXXX XXXXthats ok I will have my attorney contact you and screen shot this conversation of you avoiding my questions XXXX XXXX XXXX XXXXThank you, unfortunately, I can not assist you in this chat with any questions about your loans. You will need to call the charged off department at XXXX. Do you have any other questions today?

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 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello CFPB officer, I would like to file a complaint on Citibank regarding the {$400.00} New Checking and Saving Account Promotion. I have opened the new checking and saving accounts with Citibank on XX/XX/XXXX based on their {$400.00} bonus offer link that I found online. I have followed the requirements of funding {$15000.00} in the accounts and maintained the requirements for 60 days. I also have reached out for several Citibank representatives either by phone or via the Live chat ; all of them have informed me that I have met the bonus requirements and not sure why I haven't received the bonus. One of the rep went ahead and summited a case for me on XX/XX/XXXX. On XX/XX/XXXX, Citibank sent me a letter saying that I am not eligible for the bonus as I didn't have 01 qualify deposits. To my best knowledge, there wasn't this requirement when I opened the accounts with them back in XX/XX/XXXX. None of the reps that I have talked to informed me about that. They all have informed me that I have met all the requirements. After I received the rejection letter, I have been calling Citibank. No one was able to resolve the case or give me a proper explanations. Each of the reps I have talked to give me different explanations and I have been being transferred. 
Please help me escalate the case and let me know if there is anything I can provide on my end to support this claim. 

Thank you for your time!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by USAA Federal Savings Bank. USAA Federal Savings Bank has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I am a Consumer and Veteran who has fought for this Country and USAA Federal Savings Bank would rather use misleading information and deceptive forms to collect on an alleged debt that has been paid for through a consumer credit transaction. This is unauthorized use of my credit card 15 USC 1602 ( p ). Please see 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 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On Saturday, XX/XX/2021 I reviewed my online account with Huntington Bank and immediately noticed that {$750.00} had been fraudulently deducted from my checking account on XX/XX/2021 via a method shown as " Substitute Check ''. The check image for the transaction is available and it clearly shows that my name and address are not on the check, and my signature is also not on the check, yet Huntington Bank allowed the transaction to go through and be deducted from my account. The account holder name on the check is " XXXX XXXX XXXX '' and the address is from another state. 

As of Tuesday, XX/XX/2021, Huntington has not removed the fraudulent transaction from my account, nor has Huntington Bank contacted me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
see attach proof that XXXX  using unlawful FCRA violations documents will show the actually before

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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation