vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 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: NY

Complaint narrative:
Provide how these accounts were Validated or Delete the following accounts reporting inaccurate and obsolete information. 

1. XXXX  XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to XXXX XXXX. 
a ) Promptly delete that item of info from the file of the consumer. 
2. XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to me. 
b ) Promptly delete that item of info from the file of the consumer. 

3. XXXX  XXXX After reinvestigation under paragraph 1 of any info disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall c ) Promptly delete that item of info from the file of the consumer. 

Violations being reported : 15 U.S.C. 1692g 15 U.S.C. 1692e

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 2022-07-22 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: PA

Complaint narrative:
Near the end of year last year couple of my all my accounts where hack including emails due to me having the same password across all accounts so don't know what was first but lost thousands in crypto and charges where made on a couple of my credit cards where the indivuals where even ordering additional card holder under my accounts. The crypto money I completely lost due to it having no recourse but my chase business credit caught it an stopped the charges rifht away an call me to confirm thats when i became aware but the real issue is ihave a barclay XXXX credit card that had multiple unauthorized transactions charged on it from XX/XX/2021 to XX/XX/XXXX XXXXdue to the lack of security or due diligence on Barclay 's behalf they allow around XXXX in charge to be approved even though I only have a XXXX credit limit apparently they where making fake deposit or using a foreign bank account to make payments on my card while they kept charging an barclay didn't catch it until I called them asking them why they haven't blocked the card or even call me to confirm the criminals cause it's definitely more than 1 seem to be XXXX they sent around XXXX in XXXX payments to XXXX under two different names they also where able to order additional card holder cards an sent to other address " barclay didn't want to disclose address to me even tho it's my account I would of found them myself ''. Long story short they reversed all charges in XXXX and in XXXX or XXXX they reapplied all charges to my account due to there investigation being inconclusive since when they asked me about the physical credit card whereabouts I told them its still in my possession I had not lost my wallet nor any of my cards but somehow I was hacked or cloned I provided them with the police report filed listing all un authorized transactions for them to reinvestigate and again they said it's inconclusive an decision stand I asked for the investigation report as to how they made there determination an to what extend was this looked into an they denied to provide any information but want me to pay XXXX in unauthorized which are all individually stated in the police report this has become a huge financial burden cause now I'm making XXXX minimum payment until I get resolution and need further guidance or assistance as to what to do next to get this situation cleared up my other credit cards resolved the issue quickly internally but barclay was scammed the most an doesn't want to fix there mistake on lack of security

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 2022-07-22 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: CA

Complaint narrative:
I was charged {$3100.00} by a merchant called XXXX in XXXX XXXX XXXX XXXX ago on XX/XX/XXXX. This was a fraudulent transaction, and was one of many charges on multiple cards that i have disputed with multiple companies over the last year. All have been resolved except this one. 

I spoke to Barclays the very next day and explained it was fraudulent and the only thing I purchased from this merchant were a couple beers ( total should have been approximately {$8.00} ). I have since filed at least 4 separate claims with Barclays, and have spent at least 30 hours on the phone with Fraud Investigators, and other Customer Support Representatives from Barclays. The most recent denial was sent to me on XX/XX/XXXX stating that they are denying my claim because too much time has passed. I have stayed in constant contact with Barclays over the last year fighting to get my money back. I have been promised that it would get resolved, and have been asked to be patient over and over again, while there is no evidence that they have done one single thing to attempt to contact the merchant or verify the charge. 

This merchant, called XXXX XXXX in XXXX XXXX was across the street from my hotel. Upon a quick XXXX search of the bar, you can see hundreds of reviews stating the criminal nature of the establishment and dozens of detailed examples of assault, kidnapping and fraud that has taken place there over the last couple years. The hotel concierge told me to not go back there to seek a refund, and also told me that the police would be a dangerous route as well. They advised that I simply deal with my major credit card providers and be happy that I was relatively ok after being XXXX XXXX XXXX as I was. 

Barclays should have record of dozens of calls that I have made to them to try and resolve this. The Ivestigator refused to XXXX the merchant when I talked to them and instead told me that I have to get 'documentation ' or they could do nothing to help me. 

I truly feel this could have been resolved with proper support and a brief investigation, but believe nothing was ever done to protect me as a XXXX year customer of Barclays. 

Thank you for you assistance.

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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. Also I've attached the letter I sent out a below is the reference number. 

XXXX XXXX XXXX XXXX Account # XXXX According to the FCRA The Term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whim he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate And according to the FRCA 15 USC 1861 everything has to her 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX XXXX Account # XXXX Please reference complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I tried multiple times to submit a payment to Children 's Place. The website has been down and didn't accept any of my attempted payments. I checked my pending payments and the screen was blank. It reflected as if I didn't make any payments. I tried calling the company multiple times to cancel them and pay in store. Their phones ring and ring to no avail. I was on hold for one hour. This led to the company deducting my payments multiple times and I incurred over {$200.00} of NSF funds with my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: TX

Complaint narrative:
I am a victim of a Predatory Lender using the guise of a XXXX arrangement. I am XXXX XXXX XXXX and a Veteran. The tribe  utilized here is called the XXXX XXXX XXXX. The name they used here for my loan is Uprova, but there are 4 other company names they use with this same address and same tribal  loan format. My {$1000.00} loan had an APR of 684.83 % and a total payment of {$4300.00}. This was based on their taking {$290.00} twice a month in payments. They violate Truth in Lending by claiming to be an Alternative to PayDay Lians, yet far exceeding even those in the Interest Rate the charge, hiding beyond this Tribal  immunity claim. The cases against the Predatory Lenders also cite possible RICO violations for the actual Predator behind these loans.

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 2022-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Provide how these accounts were Validated or Delete the following accounts reporting inaccurate and obsolete information. 

1. Capital one This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to XXXX XXXX. 
a ) Promptly delete that item of info from the file of the consumer. 
2. XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to me. 
b ) Promptly delete that item of info from the file of the consumer.

3. Capital One After reinvestigation under paragraph 1 of any info disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall c ) Promptly delete that item of info from the file of the consumer. 

Violations being reported : 15 U.S.C. 1692g 15 U.S.C. 1692e

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need the CFPB to do what is fair and equitable according to the law. As a consumer protection agency, you have a duty to delete what I have identified as erroneous. The companies I have listed is appearing the efficiency of the banking system. CFPB has an obligation to meet my needs and to remove improper utilization of my information without my consent.

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 2022-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I've made several attempts to have these medical bills removed. By sending letters to the bureaus and letting them know that it is inaccurate and needed to be removed. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX   ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything.medical bills more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; These two bills in the amount of {$1800.00} and {$2000.00} are in collection with ARS and the medical bill is coming from the company listed above.

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 2022-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: PA

Complaint narrative:
We received a rebate in XXXX because we had an escrow surplus. The mortgage company made a mistake and in XXXX we had a {$5300.00} escrow shortage. We paid {$2700.00} cash plus our monthly payment increased {$220.00} a month to remedy the situation. We now have an escrow shortage again in XXXX. Our monthly payment has decreased, but the fact remains this company has poor accounting and Im growing curious where the money is going if its not taking care of our mortgage. We have a fixed rate mortgage, but our payment has been anything but fixed. This company is breaking our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I believe my personal information was compromised there are unauthorized and unverified fraudulent inquiries reporting on my credit reports XXXX XXXXXXXX/Equifax ) I have not applied for anything and these need to to be removed. 

Equifax XXXX, XXXX. 
Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To whom may he/she concern, I received a letter in XX/XX/XXXX stated that I opened an checking with Santander. I immediately call the customer service center at XXXX then spoke to representative XXXX at XXXX XXXX. I told him I did not open any checking account and he said he will close the account since I did not authorize. On the letter, the checking account number is XXXX. 

I waited for 2 weeks and I did receive any closing statement so I call on XX/XX/11. The Santander bank Fraud dept, XXXX said to me no one close the account or created one. I was very mad in my mind that what kind of service is this. So I ask XXXX XXXX to create one for me and he did. The case file no. Is XXXX. 

I am very concern if someone will use my identity again and open accounts without my knowing. Please help me with this situation. Thank you very much.

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 2022-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
portfolio recovery keeps calling me about a debt i owe on credit card they say from over XXXX years ago.i came into some money and paid off everyone i owed if they weren't on my credit report at the time then they didnt get paid.i dont even know if its my account or not as far as i know its not but they call me from all different numbers its annoying and they need to stop calling me.they arent getting anything from me i explained this all ready and yet they continue to call my information was stolen not sure how long ago its hard for me to even do taxes because its a long process so for all i know its fraudulent account its over XXXX years ago i dont remember that long ago what i didnt have or i did have

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
Someone hacked my cash app and stole money that was initially in my cash app and then requested money from my bank debit card and took that too. I reached out to cash app via their support team the day it happened but they refused to help me. I disputed the transactions with my bank and got most of my money back however cashapp is holding me responsible for the negative balance due to that dispute, plus they claimed to investigate the fraud but never did- they simply got back to me in a matter of hours and said the charges were authorized by me. The transactions are listed here : XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$98.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$82.00} XX/XX/XXXX XXXX XXXX XXXX Standard transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00} XX/XX/XXXX XXXX XXXX XXXX Standard transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$98.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$98.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$86.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$98.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$49.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$49.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$98.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: CA

Complaint narrative:
I sent a letter to all three credit bureaus in XXXX of XXXX  requesting an investigation of items listed on my credit reports, Equifax has never responded, XXXX is denying me my right to a full and thorough investigation by insinuating I am not myself after receiving proof of identity, and XXXX has never responded by mail with an updated credit report or results from items that I have requested an investigation be conducted on, it is now XXXX of XXXX over the time limit for the credit bureaus to respond I am now forced to file a complaint on all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I provided the following information and I got a generic response. 

" I applied and was approved for the Truist XXXX XXXX. When I received it I had issues registering for online banking and the account was locked. I talked to the fraud department and when they tried to verify my information against the phone carrier, they claimed that my name does not match. The phone bill is under my name and I've used this number for 12 years. The lady I spoke with said that I had to call XXXX XXXX XXXX to have them change what it shows in their system. This is the only banking institution I've had issues with when it comes to verifying my number. I was told that until the carrier shows my name on Truist side, they can't unlock my account. '' I DO NOT have a problem registering for online banking. I have a problem with the card being locked and I'm unable to use it. Truist can't verify my identity with a phone I've been using for over a decade. I don't want to go to a Truist branch or deal with anyone there. It's ridiculous that Truist only relies on phone billing identity verification and doesn't offer an alternative such as questions from credit reports and public records, etc. I should not have to go to be inconvenienced and have to drive to a branch.

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