vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
Revolut has asked for me to verify my account funds. 

I have provided documentation, but they have frozen my account while they review. They have had the account frozen for more than 3 weeks. They have provided no email address for me to send documents, so that they can perform verification, and they have provided no means for me to contact them. 

I now do not trust that they even have my money, and I want to withdraw it, and they have said that I am not allowed to withdraw my money and close my account. My next step is to file a claim with the FDIC for the return of my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The account in question in discussion is THD/CBNA Account # XXXX the issue at hand is a late being reported in XX/XX/2020, in XX/XX/2020 I was sick with XXXX and was unable to call in to defer the payments since I was so unwell. 
Once I was well enough to make the payment I did make the payment immediately.

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 2020-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, during the grace period of my certificate of deposit, I spoke to XXXX at Wells Fargo bank using the telephone number provided by the bank. XXXX told me he could close my cd and transfer the funds into my savings account at Wells Fargo. I waited one week to no transfer. I called the following week and spoke to XXXX at Wells Fargo. He told me that transaction could only be possible if I went into the physical bank. The grace period for the cd ended that night. Now I am locked into a very low interest cd for another year at Wells Fargo. 

Please help, 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 2020-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Complaint is against Experian for credit report errors and for they are still billing me for closed Experian account : 1. XXXX XXXX shows corrected balance dispute resolution on the dispute request page, yet still shows the XX/XX/2020 balance of over {$5000.00} on the credit report. This must be corrected and correct the FICO score.

2. XXXX XXXX detail on the dispute request page shows not late per previous dispute resolution yet still shows late on the credit report, and summary shows one late account payment - XXXX was the only one showing a late payment. This has led to at least 8 auto loan refusals and a higher interest rate when a creditor approved the loan.

3. I am still getting billed every month even though Experian account was canceled. Only available phone number does not allow correction no matter what number I press, all go to reset password or hang up each time on each of many attempts. They need to stop billing me. 
4. There are many creditors that are closed and paid accounts are showing on my account. I know I had requested those over 7 years old be removed several times.

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 2020-11-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ascendium Education Group
State: FL

Complaint narrative:
The Ascendium loans and the XXXX loans on my account are fraud. All of my student loans were paid-in-full by a second mortgage HUD 1-A with disbursements directly to XXXX in XX/XX/XXXX ( please see attached evidence ). I graduated from the University XXXX XXXX in XXXX. I never had any other student loan debt and all of mine was paid in XXXX by the aforementioned second mortgage. The XXXX and Ascendium loans are fraud and must be removed from my account. XXXX was helpful, and removed the debt from my credit report. XXXX was non-responsive and continues to post numerous repeats of the fraudulent debt regardless. The fraud representative, XXXX, with XXXX was not helpful. We spoke with XXXX in the fraud department with XXXX, formerly XXXX, who confirmed my loans were paid-in-full in XXXX. XXXX did not want me to ask questions or to speak, other than just providing my personally identifiable information and updated contact information to the creditors. XXXX ended the call with XXXX without asking him To send notice to her or the other agencies XXXX and Ascendium who are subsequently and wrongfully reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I'm being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I has been well over 45 days. Which mean it should be deleted immediately. If they are deleted from my credit report. I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was paid off and closed in XX/XX/XXXX. In XXXX of XXXX, for some reason, a XXXX $ balance was reported delinquent, giving my credit a big ugly dent. 

I spoke with XXXX, who agreed to provide a goodwill adjustment letter. 

Then, I contacted XXXX XXXX, and Transunion and submitted disputes asking them to update and correct the negative information. 

So far, only XXXX has actually been able to fix it, which they did with no hassle ( See attached documents ). They contacted XXXX and confirmed the account was paid off, closed, and never late. 

I submitted my initial claim via CFPB in XXXX, only XXXX responded directly. Now am submitting individually. Thanks.

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 2020-11-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: FL

Complaint narrative:
The XXXX loans and the Nelnet loans on my account are fraud. All of my student loans were paid-in-full by a second mortgage HUD 1-A with disbursements directly to XXXX in XX/XX/XXXX ( please see attached evidence ). I graduated from the University XXXX XXXX in XXXX. I never had any other student loan debt and all of mine was paid in XXXX by the aforementioned second mortgage. The NelNet and XXXX loans are fraud and must be removed from my account. XXXX was helpful, and removed the debt from my credit report. XXXX  was non-responsive and continues to post numerous repeats of the fraudulent debt regardless. The fraud representative, XXXX, with XXXX was not helpful. We spoke with XXXX in the fraud department with XXXX, formerly XXXX, who confirmed my loans were paid-in-full in XXXX. XXXX did not want me to ask questions or to speak, other than just providing my personally identifiable information and updated contact information to the creditors. XXXX ended the call with XXXX without asking him To send notice to her or the other agencies Nelnet and XXXX who are subsequently and wrongfully reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I filed a police report once I realize that the bank notified me that my account was in the negative over {$1000.00}. Then I step into the branch to find out why I was blocked out my account and card was not working. Then I file a dispute with the Bank. They provided me with the info and it came back some used my info to deposit a check with a fake signature that didnt match mines and they withdraw fund out the account with my consent. I need help cause they sold my info to a company called XXXX XXXX which blocks you from opening any bank account. Thats hurting my name to have any new bank account.

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 2020-11-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to dispute the following 4 fraudulent accounts listed on my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I have contacted these creditors for more information to no avail. I have filed an FTC IDENTITY THEFT REPORT because I have never had or open these accounts. The report number is XXXX. I have attached the Identity Theft Report for your review. Please remove these fraudulent accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I was mailed a letter appearing to be from the U.S. Department of Education offering to consolidate my student loan debt. I created an account on nslds.ed.gov and then called the number listed XXXX. I spoke with a representative who already had information that I did not believe a third party could have such as my total student loan debt. He offered me guidance toward consolidating and refinancing my federal loans and told me I was eligible for a repayment forgiveness plan ( REPAYE ). I would only be responsible for {$110.00} a month plus a {$39.00} fee per month. This would also be forgiven after 20 years. The representative seemed genuine and helpful. He told me that I was responsible for the application fee of {$790.00} which I was able to break into two payments of {$390.00}. I signed a contract with this company falsely under the impression that they were a government affiliated and protected company. He insisted that they were federally backed. I sent my REPAYE document and two paystubs to the address that they had provided for my student loan provider. I did not realize that something was fishy until I saw the deduction in the form of check from my checking account. After looking up the company listed that the check was made out to I found through the XXXX XXXX XXXX that XXXX  XXXX XXXX, XXXX was littered with people saying they had been scammed by them. I have emailed them a notice of cancellation of my account and called my bank to dispute the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2020, I ordered an auto battery from walmart.com, which was installed by a Walmart auto department, removing the old dead battery At the time of placing the order, I provided the merchant with my Capital One credit card information. The battery price was {$120.00}. The state and local sales tax is 0.75 %. The tax should have been {$9.00}. However, subsequently the merchant added {$21.00} in tax and submitted this fraudulent charge to Capital One. This is an illegal sales tax rate of 0.16743 %. The difference is {$12.00}. Copy attached. When I went back to complain to the Walmart auto department I was told that they could not do anything about the overcharge. I called walmart.com, but was told that the tax was calculated correctly. I called Capital One to complain, after which a credit of {$12.00} appeared on my account online. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from Capital One reversing the credit and closing my complaint - without explanation and without addressing the illegal sales tax overcharge. Clearly this is an example of big companies - Capital One and Walamart - flaunting the financial system, blatantly and intentionally illegally cheating the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had an account with XXXX. The account was paid in full and settled in XX/XX/2020. XXXX is still reporting that I have an unpaid balance to the credit reporting agency Equifax. I have consistently reached out to XXXX asking them to update my account information and they have not. 

I also reached out to Equifax sending the documents to prove that the accounts been paid. Equifax asked me to provide my identity. I submitted all documents requested. Upon submitting documents, Equifax sent me a card saying they could not find my credit file. I'm not understanding. I am getting a run around from both XXXX and Equifax and this is becoming stressful. I have submitted all proof needed and requested documents.

Company response to consumer: Closed with explanation