vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-09 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: AR

Complaint narrative:
I received my XXXX stimulus payment in XX/XX/2021. I dont carry that card daily. It was an old payroll card from a previous job, but it is the card I was using the last time I giled taxes, so I kept the account open to not complicate the government and IRS not being able to have a correct direct deppsit method. My Netspend skylight one card was in my jewelry box in my bedroom, although the card info was saved on my XXXX XXXX. Someone must have stolen the card from my jewelry box without me knowing. I intended on saving this money for worse times, so imagine my surprise when i realized it was gone. I made online purchases using my XXXX XXXX, but the charges made in store with physical card I did not. On XX/XX/2021 when I rralized my card was missing and these fradulant charges were there i immediately contacted skylight one and filed a dispute immediately. I called first. I was told to write a letter and documenting each transaction, an explanation of what happened, updated contact info, and claim number to an email address for documents concerning the dispute. So i did. 
I receive a confirmation email from the company ssying they had until XX/XX/XXXX to investigate the aim and i eouldnt know anything until then. I called on XX/XX/2021 at XXXX XXXX  to be told they fiund " no error '' in my dispute. After asking for an explanation, i was rold an email with documents wpuld be emailed to me immediately. 
I never received it. The following morning. I called the customer service number again and spoke with car XXXX. He explained that it would take ten days to get to email to me.i then emailed again this time crommy secure i box on their app... i have asked more than theee times to have their conclusion and reasoning along with any other documentation on how they came to the conclusion to deny my claim. I still haven't heard anything. The claim number is Claim # XXXX. Company name is netspend skylight one.

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 2021-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I signed up with Barclays Bank for an Uber Rewards credit card. As of XX/XX/2021, I have accumulated at least {$1000.00} in rewards, but I can neither access my rewards, nor use them to pay for my purchases. I contacted Barclays Bank to fix the problem, they referred me to Uber. I contacted Uber on XX/XX/2021 via their app. Uber responded that they are aware of the problem, " are working on it '' and would get back to me. All communications are through the Uber app, and there is no resolution in sight.

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 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
This is my third complaint. 
I need to UNFREEZE my credit 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 2021-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This account was opened fraudulently by XXXX  XXXX XXXX XXXX XXXX XXXX. I did not go there and I do not recognize this charge. My information was stolen from another web site

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 2021-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems has reported inaccurate information on my credit report to the credit bureau. They have reported a debt collection of {$6700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On Friday, XX/XX/2021, at XXXX XXXX I answered a phone call at my business location, XXXX XXXX. The person had stated their name and that they worked for the electric company, XXXX XXXX, that provides my business with power. Speaking with me on the phone, he had explained to me that i was two month behind on my electric payments and if I don't pay automatically the company would come and shut it off. Considering weekends are my busiest time, I could not afford to have my power turned off, and that I needed to keep it running at all cost. The person on the phone reassured me and said he can help me set up a online mobile app that can automatically withdraw the amount needed to save my business. He walked me through a step by step process, creating this account through Zelle, that is compatible with my bank XXXX. When all was said and done, the amount was withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: GA

Complaint narrative:
Said they havent received any paperwork from me to correct errors and the reported inquiries are not authorized.

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 2021-10-09 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have been a victim of Credit Card Fraud and it was not properly investigated. 
On XX/XX/21, I received a notification that there were two ( 2 ) transactions on my JetBlue Barclays Credit Card ending in XXXX, listed below : {$880.00} for JetBlue XXXX, Merchant Location XXXX, XXXX  XXXX and {$940.00} for XXXX XXXX XXXX, Merchant Location XXXX, XXXX XXXX. 
Immediately I contacted JetBlue Barclays Credit Card Customer Service and advised that these transactions were not mine, that I did not authorize these transactions and that in XXXX XXXX XXXX, XXXX. I was assured that I would not be charged for these transactions and that card ending in XXXX had been cancelled and that I would be sent a new card to replace the same. I, then was informed that because I had a history with these Airlines that I was automatically responsible for these transactions. These weren't mine and were allowed to go through due to JetBlue 's negligence.

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 2021-10-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Said they havent received any paperwork from me to correct errors and the reported inquiries are not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, 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:
I have multiple inquiries from sources that I do not know of, this is fraud. Several from XXXX  XXXX, XXXX XXXX, and more.

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 2021-10-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im filling a complaint because I'm a victim of identity theft. I have already notified Experian and the creditors. They have yet to remove these accounts. I noticed unauthorized credit card and an address on my credit report. I looked at my credit and discovered accounts under my name that I have never applied for or authorized. Therefor they are fraudulent. These accounts include. 

Experian Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY 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 non-monetary relief
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On Friday, XX/XX/2021, at XXXX XXXX  I answered a phone call at my business location, XXXX XXXX. The person had stated their name and that they worked for the electric company, XXXX XXXX, that provides my business with power. Speaking with me on the phone, he had explained to me that i was two month behind on my electric payments and if I don't pay automatically the company would come and shut it off. Considering weekends are my busiest time, I could not afford to have my power turned off, and that I needed to keep it running at all cost. The person on the phone reassured me and said he can help me set up a online mobile app that can automatically withdraw the amount needed to save my business. He walked me through a step by step process, creating this account through Zelle, that is compatible with my bank XXXX. When all was said and done, the amount was withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
So I noticed my savings and checkings account got closed by TD bank on XX/XX/2021 and I went to the brand to see what I can do to get my funds and I was given a number to call where I had to leave my name account number for a call back and Ive called more than three times leaving a voicemail and never got a call back and I tried calling customer support line from them and they told me I had to go to the branch and theyre running me around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management keeps bothering me on a debt that I dont owe.

{$650.00} or an amount that I dont remember having. Im currently a broke XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Im filling a complaint because I'm a victim of identity theft. I have already notified XXXX and the creditors. They have yet to remove these accounts. I noticed unauthorized credit card and an address on my credit report. I looked at my credit and discovered accounts under my name that I have never applied for or authorized. Therefor they are fraudulent. These accounts include. 

XXXX Accounts : XXXX XXXX  XXXX WELLS FARGO BANK XXXX WF CRD SVC XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY 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 non-monetary relief
Consumer complaint received 2021-10-09 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Im filling a complaint because I'm a victim of identity theft. I have already notified XXXX and the creditors. They have yet to remove these accounts. I noticed unauthorized credit card and an address on my credit report. I looked at my credit and discovered accounts under my name that I have never applied for or authorized. Therefor they are fraudulent. These accounts include. 

XXXX Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY 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 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc
State: TX

Complaint narrative:
On XX/XX/2021, I received an email from XXXX stating that a background check was completed and it was found that I have an expired drivers license which could cause me to lose access the XXXX app. The email also stated that my sign up eligibility would be determined within a few days. I was provided a link to the consumer reporting agency Checkr to view my report. On the report provided by Checkr, it shows that my drivers license expired on XX/XX/2021 which is incorrect. What actually happened on XX/XX/2021 is my XXXX  drivers license was surrendered for a XXXX  drivers license. My XXXX  drivers license never expired. This information should have been updated instead of being falsely reported that it expired. Just in case any other false claims are made by Checkr, I must add that I was issued a new XXXX  drivers license on XX/XX/2021 with a new issue date due to updating my mailing address. On XX/XX/2021 I received an email from XXXX stating that they have decided to decline my access to the XXXX app based on the information provided on the consumer report provided by Checkr. They stated the specific information used to make their decision was the expiration date of XX/XX/2021. XXXX is how I make my money. When I lost access to the app, I lost apart of my livelihood. Bills are paid with this gig.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX are still reporting a fraudulent account from XXXX XXXX XXXX  that I have disputed numerous times. They claim it has been verified by the source, but if that was true why did XXXX delete it for not being verified. If they verified it with the same source, they should get the same results. This is unlawful! I have a right to privacy, a right to only have accurate information report on me and if a social security number was used to pay for this loan, then this is a consumer credit transaction and it is fraudulent to collect on something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: MA

Complaint narrative:
I have reached out to his company several times however they have not responded to my dispute in regard to this account they are reporting this account with late marks even though I have reached out to them for forgiveness due to hardship brought by COVID 19 I have been relieved from my work and have been having a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: GA

Complaint narrative:
XXXX and Experian are still reporting a fraudulent account from XXXX XXXX XXXX  that I have disputed numerous times. They claim it has been verified by the source, but if that was true why did XXXX delete it for not being verified. If they verified it with the same source, they should get the same results. This is unlawful! I have a right to privacy, a right to only have accurate information report on me and if a social security number was used to pay for this loan, then this is a consumer credit transaction and it is fraudulent to collect on something that is already paid in full.

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 2021-10-09 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any dispute results.

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 2021-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
I recently checked my credit report and I saw Monterey Collection Services for the amount of {$420.00}. 
I dont know this company I never done business with this company this company doesnt have any written signature of mine or any kind of contract with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc.
State: IL

Complaint narrative:
Alliance Collection Agencies , Inc. sent a letter dated XX/XX/, indicating that I owe an amount of {$200.00}. I replied with a certified and returned receipt letter on XX/XX/, for Alliance to validate the debt, but never received a response. 

Alliance sent a second letter dated XX/XX/ XXXX  for the same amount of {$200.00} without response to the first letter dated XX/XX/ XXXX They completely ignored my request. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request a validation of the debt. This is a violation of the Fair Debt Collection Practice Act and validation is required by Federal and State law. I have attached both letters in this complaint with the certified receipt number. 

In addition, I requested Alliance Collection Agencies to provide me with all of the information in both letters I sent. This is to provide me with the agreement and contract with my signature and validation of HIPAA with my signature. They ignored my request for the second time. I examined my credit report on XX/XX/XXXX and Alliance Collection Agencies reported inaccurate information to the credit bureaus ; XXXX, XXXX XXXX XXXX which is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX XXXX, TransUnion ) and the Creditors ( 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 involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted 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 2021-10-09 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any dispute results.

Company response to consumer: Closed with explanation