vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
REGARDING CASE # : XXXX PURPOSE OF THIS LETTER : I would like to appeal against the decision Barclays has made regarding my Fraud Case to restore {$1300.00} of Fraudulent charges to my account XXXX account. Decision enclosed. 
BACKGROUND : On XX/XX/, I purchased {$1300.00} of XXXX  Gift Cards using Barclays card XXXX believing that if I used them to pay my XXXX bill, I would get a discount on my next six months of Internet payments. The offer came through my XXXX, and the return number was XXXX. The people who answered the call identified themselves as XXXX and transferred me up a chain of representatives. This is not different from other promotional offers I previously received from XXXX regarding cable subscriptions. After I purchased the cards, I called the supposed XXXX rep with the numbers toward my bill. I never put these cards to personal use. A XXXX  of the XX/XX/XXXX XXXX is enclosed, along with another one that I received on XX/XX/XXXX. The receipts and cards are enclosed. 
ACTIONS UPON REALIZING I WAS DEFRAUDED : 1. I immediately went online to block purchases with card XXXX, reported the fraud to Barclays, and received a new card XXXX. As the Barclays customer service representatives requested, I took the further actions below : 2. I immediately reported the fraud to XXXX, which opened Case # XXXX. I uploaded scans of the backs and fronts of the cards as they requested and handwrote the Case # on the receipts ( scans enclosed ). I was told over the phone that I got to them soon enough, so the numbers were not activated. 
3. I reported the fraud to the XXXX XXXX XXXX XXXX Police Department. XXXX XXXX XXXX called me back the next day and opened Case # XXXX. Report enclosed. 
REQUEST : Among the reasons I use my Barclays card is to be protected against incidents of fraud. As you can see from the Actions above, I did as I was told by Barclays and made every effort to protect Barclays and XXXX from the fraudulent charges. In return, I would expect not be held responsible for the fraudulent charges and the credit be restored to my account. Many thanks for your consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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:
An fraudulent account was opened in XX/XX/2023 of {$1500.00} on my credit report. I received a letter in the mail on XX/XX/2023 stating the account was going to be closed due to an investigation and proof of it being fraud. Months later the account is still on my credit report ( TransUnion ) which I did not sign or grant permission for my social security number to be used for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX And I did not grant permission for the account to be placed on my credit report. The account is fraudulent and I do not take ownership of this account. XXXX and XXXX both have removed the account due to it being fraudulent. Please have this account removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX, in a conference call with myself and the insurance provider, XXXXXXXX XXXX became aware that the fraudulent insurance claim they submitted was not eligible for payment and they agreed to stop trying to collect any more money for this {$18000.00} bill for services not provided and refund the {$13000.00} that was collected on this charge. After time had passed and I did not get a check, I called back on in XXXX and the patient accounts lead confirmed that she had forwarded this account to legal and that they should have drafted the refund by now, but she did not know why they didn't and didn't have a time frame. After this, legal sent a gag letter saying we were not allowed to call and that we would have to submit more communication in writing. We did submit more than one certified letter after this and they never responded. They did not respond to the state consumer protection complaint either. They submitted bills for services in XX/XX/XXXX and we disputed the bills because they still owed a refund via certified mail and the dispute was not acknowleged or responded to. We sent written follow up in the medical chart as well and it was not responded to other than saying " we aren't allowed to respond to you '', and then 2 more letters were sent with no response. Then we recieved a notice from a collection agency for the debt and we sent them a certified mail dispute and this collection agency did not acknowlege or respond to the dispute either. The collection agency is IC System with reference number XXXX and the dispute was sent with tracking USPS 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 2023-06-13 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: CA

Complaint narrative:
I have submitted more disputes than I could count on one hand with Experian credit bureau over the past two months regarding incorrect reporting on my credit report from a company named XXXX XXXX. Experian is clearly not looking at the documents I'm sending them that prove that XXXX XXXX is falsely reporting on my credit report. I sent EXPERIAN payment history from XXXX XXXX themselves that shows they have been paid on time, transaction history from XXXX XXXX that shows XXXX XXXX has and is getting paid on time, and copies of my credit report from all three credit bureaus that clearly show that XXXX XXXX has reporting issues. For example, they're reporting to XXXX credit bureau that I've been late paying them for one month, and to the EXPERIAN and XXXX credit bureaus for six months. Experian really needs to take a hard look at what I'm sending as proof that XXXX XXXX is totally incompetent and falsely reporting on my credit report. Bottom line up front : XXXX XXXX has been getting paid on time every time via my XXXX XXXX card, set on automatic, and recurring payment with zero issues since they took over for the previous company, XXXX. You tell me how a payment can be late if it's set to automatic reoccurring payments. If someone would just get off their behind and call XXXX XXXX, this could all be resolved. Experian is simply passing what I have to say XXXX XXXX and they are simply replying that they are responding correctly, and that's not correct. Experian needs to verify that this is correct and not just accept what they have to say. All I'm asking for is that Experian take the time to look at my documents, and they will see that XXXXXXXX XXXX is wrong. Please call XXXX XXXX to verify that the payment was setup for reoccurring and automatic payment ; therefore, the payment was and has never been late. If the payment was ever late, it was because XXXX XXXX didn't do their job and initiate the payment on time. Please clear this inaccurate and false reporting from my credit report. This is not okay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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:
There is inaccurate information on my report regarding the account XXXX from 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 non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I recently fell victim to identity theft and discovered that the thief had racked up a significant amount of debt in my name. After contacting the credit collection services, I learned that the debt was wrongfully assigned to me. I have been working diligently to retrieve the debt and clear my name.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: IN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is inaccurate information on my report, specifically the account XXXX from 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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is inaccurate information on my report, specifically the account XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
Account Number : XXXX**** Account Type : Unsecured Loan Account Status : Paid account/was delinquent 90 days past due date Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : 11 Payment Status : 90 days past due Payment Status Date : XXXX Account Balance : {$0.00} Opening Balance : {$93.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX  Account Status : Account/paid satisfactorily Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : 14 Payment Status : Current Payment Status Date : XXXX Credit Limit : {$700.00} Current Balance : {$0.00} Highest Balance : {$170.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : N/A ( I never had this account ever ) They mailed me the card and I sent it right back XXXX  XXXX Account Number : XXXX**** Account Type : Unsecured Loan Account Status : Paid account/was delinquent 60 days past due date Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : 13 Payment Status : 60 days past due Payment Status Date : XXXX Account Balance : {$0.00} Opening Balance : {$180.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : XXXX THER ACCOUNT WITH XXXX WERE ALL PAID IN FULL AND WERE ONLY LATE ONCE. I HAVE SPOKEN WITH SOMEONE FROM THE COMPANY THREE TIMES BECAUSE IT'S STILL SHOWING ON MY CREDIT REPORT DELIQUENT ACCOUT 60 AND 90 DAYS PASS DUE. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT. IT HAS BEEN THERE TO LONG AND IT'S AFFECTING MY SCORE. THE FAIR REPORTING CREDIT AGENCY INFORMED THAT THIS NEEDS TO BE RESOLVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
SYNERPRISE CONSULTING is trying to collect {$9000.00} for a Medical Debt. I was not informed of back in XX/XX/XXXX for a medical debt for XXXX XXXX back in XXXX. They have included this collection in my credit report for 5 five years and have not given me an itemized list of the charges. 

I contacted the company several years ago to get information on this collection after finding out about this collection while setting up a saving account in XXXX, as seen is the attachments below. The agency did not give me any information other than the amount and where the collection come from. I did not get the right to dispute the charge or what are the charges. 

I was still not given any written information nor any type of bill about the charges after calling the agency. When I called in to the company, they asked if I would just like to pay it in full and I stated that I want written information about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against NCA for Harassment and Illegal Debt Collection Practices Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against NCA, a debt collection company, for engaging in harassment and illegal collection activities regarding a debt that I do not owe. Despite multiple attempts to rectify this matter, NCA continues to harass me and has refused to remove the erroneous information from my credit report. 

Below are the details of my complaint : Debt Collection Company : NCA Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX Summary of Complaint : Harassment : NCA has been incessantly contacting me through various means, including phone calls and letters, despite my repeated requests for them to cease all communication. I was even inappropriately served a lawsuit at my place of work as an intimidation tactic. Their aggressive tactics have caused significant distress and XXXX 

Illegal Collection Practices : NCA has been attempting to collect a debt that I do not owe. I have thoroughly reviewed my financial records, and there is no evidence of any outstanding debt associated with NCA or any entity they represent. Their actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the use of deceptive or abusive practices in debt collection. 

Erroneous Credit Reporting : Despite my diligent efforts to dispute the debt with XXXX, NCA continues to report the alleged debt on my credit report. This false information has severely impacted my creditworthiness and has hindered my ability to obtain credit or secure favorable interest rates. Moreover, upon conducting further research, I discovered that NCA is not even listed as an active business entity. 

I kindly request that you thoroughly investigate this matter and take appropriate actions against NCA for their unlawful activities. I also urge you to ensure the removal of this fraudulent debt from my credit report to restore my financial integrity. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. Please keep me informed of any progress or actions taken regarding my complaint. Thank you for your dedication to protecting consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI

Complaint narrative:
I got a call on XXXX from MoneyGram fraud his name was XXXX he stated over a month I have been sending myself money. I said I did not use there services nor did I authorized anyone to use my cards. He stated that there was around {$23000.00} done. I asked why it took so long to call me he could not answer that it was just flagged. I was told to call MoneyGram to put in for the dispute. XXXX marked them as fraud. I called and spoke to a man he said MoneyGram did not call me. I said XXXX told me the account was closed he then looked into and it was closed like XXXX told me he was going to do. Then he transferred me over to XXXX I explained I need the ref number so I can do the form. She did not give it to me she told me to check other. Today on XXXX I called MoneyGram and said I need the ref number they refuse to give me to file the report to dispute these transactions. I explain to XXXX my identity was stolen I did the FTC report. And my phone was stolen meaning hacked. I have been told by my mobile carrier that my phone was hacked and there was a dual SIM card on it. Which my mobile carrier does not offer. I was told I need a new phone they have the iemi number. MoneyGram is not allowing me file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
I have been trying to work with the company regarding this account being on my report that was opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! It has been over 45 days since I mailed a letter asking for proof of ownership showing my written signature and consent to open this account and NOTHING has been resolved nor sent back to me!!! Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent! Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX we received in the mail a " Notice of Dormant Account '' from Axos Bank. We were baffled since we have a 60-month CD account maturing on XX/XX/XXXX with the bank. We tried to log-in to our online account and were locked out. We called Customer Service around XXXX and spoke to " XXXX ''. After a lengthy verification process and several times on hold, XXXX stated the following. " Since we did not make a deposit or withdrawal in the past two years, the account has been rendered Dormant and he threatened to hand the funds over to the State as a dormant account if we don't make a deposit to the account. We informed him that it was a 60-month CD with no such requirements, this is tantamount to blackmail, unethical and illegal practice. We are not obligated to make deposits to this account. We have over {$110000.00} in that account and we have various CDs with many other banks. And we never received such a demand or letter of this nature. Further, we have been with the bank for many years and never received a letter like this. When we addressed the fact that we are unable to log-in to our account and we asked XXXX to unlock or reset the password for the account and/or set up the password and send it to our email or to our home phone, he refused to do so and demanded that I take a picture of my driver 's license and another picture of me holding my driver 's license and email it to him. This is unacceptable since we have been fully verified. We believe this is a deliberate act to force us to make deposits and threatening us to hand over our account to the State. This is a form of fraud and/or a scam and should be fully investigated and hold the bank accountable for such unethical and illegal practices. Our phone conversation with XXXX is recorded, please listen to it. At this point our account is locked, held hostage by Axos Bank and we do not have access to our money. We asked to speak to a manager and XXXX said he would be calling us in 24-48 hours or longer, we have not heard from anyone. I urge you to fully investigate this matter. My husband, XXXX, participated in the conversation and XXXX XXXX XXXX XXXX XXXX XXXX prior to losing his XXXX. He did XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, and was alarmed by their actions.

Company response to consumer: Closed with explanation