vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I received my new Citi AAdvantage Platinum Select card in the mail on XX/XX/XXXX and when I attempted to add it to XXXX XXXX on my XXXX, my account was placed on a fraud alert. I was able to resolve it ( albeit after calling four times ) with customer service and things went well until XX/XX/XXXX, when I attempted to add the same card to XXXX XXXX but on my watch. This triggered the fraud alert again and I was forced to wait until the following week before it could be unlocked. In my conversations with customer service, they attempted to use my cell phone number and my home phone number, neither of which worked. This is strange because my cell phone number has always worked when signing into my account from my browser or from my app. 

I attempted to add my card into another XXXX XXXX wallet on XX/XX/XXXX, and my account became restricted under the fraud alert once again ( are you detecting a pattern here ). I called customer service, and the previous methods of my cell phone number did not work once again, even though after the second time, the representative assured me that my cell phone number would work in the future for verification. I emailed the Citi Executive Response Team on XX/XX/XXXX to escalate the issue and I called them again for follow-up on XX/XX/XXXX. They transferred me to the same fraud department that failed to resolve my issue the first time around. This department unsurprisingly failed to resolve my issue again, which is why I am escalating the case to the CFPB. 

I escalated the case in the first place to the Citi Executive Response Team because even though I was told I was to receive a letter which contains a verification code, that letter never appeared in my mailbox and I do not have confidence that the letter solution will work this time either. I have been stuck without the use of my card for the past two and a half weeks, which is absolutely unacceptable. No other bank with whom I have done business with has given me such a hard time about this, and the lack of responsiveness is unacceptable and absolutely infuriating as a loyal Citi customer. I have given Citi with more than enough information to verify my identity, and there is no reason as to why a simple fraud alert should be causing so much difficulty.

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 2022-06-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2022, XXXX XXXX provided me with a copy of the lease and sale contract. None of the documentation provided shows anything about the current balance owed. 

On XX/XX/2022, I requested an investigation on the repossessed item challenging the amount that was reporting on my credit profile. According my credit profile I owe the amount of {$6000.00} but XXXX XXXX has failed to provide any proof and the investigation was requested over 30 days ago.

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 2022-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
For the last XXXX months, despite several efforts and trying to communicate with CashApp, I have had CashApp customers calling me regarding fraudulent charges to their Cash cards. 

My online store is called XXXX. The fake merchant is using a similar name, " XXXX XXXX XXXX XXXX  '' to create fraudulent charges, so because my physical address is XXXX, XXXX, when people XXXX " XXXX XXXX XXXX XXXX  '' they are coming across my business, contacting me, and requesting their money to be reimbursed. 

CashApp obviously has a security breach because one customer canceled his card, received a new one, and the infamous " XXXX XXXX XXXX XXXX  '' struck yet again. CashApp is not protecting their customers ' privacy, and there has been absolutely no resolve because CashApp continues to allow this fake merchant to process payments. Surely there is a merchant account connected to this fake merchant, so the fake merchant should have been tracked by now. 

I am asking for your assistance with this matter because, as a small ecommerce business owner, this is taking time away from my full time job as well as taking concentration away from my online store and smearing my business name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$700.00} I did not give this company permission nor have ever done business with them and have documents filed with the police for fraud. 

XXXX XXXX XXXX XXXX XXXX I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since 2015. I have police documents filed for fraud. 

XXXX XXXX XXXX I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since 2015. I have police documents filed for fraud and XXXX consented and closed the account, but I would like this to be removed from my 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 non-monetary relief
Consumer complaint received 2022-06-15 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My life is still being hack and trauma to it someone keep using my name and social security number .i keep disputing and nothing coming off i feel like this have torture my life and i get denied if everything because someone so cruel stole my life .I am a identity theft victim and its so sad .I need all my name to be clear i done everything and no one helping me at all. its so many errors on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Carvana Group, LLC
State: FL

Complaint narrative:
I purchased a car from Carvana and it was delivered on XX/XX/22. I called and asked to return the vehicle in XX/XX/22 as it was not the car for me. Carvana has a 7day return policy on all its vehicles. I tried to swap the car but they wanted a new check from my Bank and I didnt want to go through the entire approval process again so, I cancelled the entire order. Carvana scheduled the car pick up at their leisure and it was finally picked up on XX/XX/22. As of today, XX/XX/22, Carvana has failed to returned the monies to my bank and refuse to confirm or give me evidence of such, whenever I call them to find out about the status. Meanwhile, the loan continues accruing interest even though I no longer have the vehicle in my possession. I feel. Carvana is holding on to the monies maliciously and on purpose to get back for the free 7day car return policy which at the end of the day, it isnt free. Perhaps if they didnt sell lemons of a car to consumers, people wouldnt cancel orders. I am never using them ever again!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
A guy named XXXX XXXX asked {$10.00} from me for gas, but never came to pick me. Then he keep asking for more money, I realized this is a scam. I contacted Venmo immediately for help. But Venmo didn't help but asked me to contact XXXX XXXX to solve the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. Equifax credit bureau stated the accounts listed below were properly investigated, but how is that possible if the open date is inaccurate, and the date last reported is not accurate, etc. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602a. States I have a right to privacy.

15 U.S.C. 1681 section 604a section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: FL

Complaint narrative:
I sent two rounds of dispute letters in thirty day increments to the bureau with the first round being the initial letter that included the dispute of five alleged collections/charge-offs accounts which was signed for on XX/XX/2022. I did receive a response of a generalized validation of those alleged accounts within the proper thirty days requirement. However, a second round dispute letter was sent and signed for on XX/XX/2022 which requested a more in-depth validation such as original contract, wet signature, and itemized debt. Unfortunately, more than thirty days has past without a response, thus per both letters the credit bureau has a legal obligation to delete any and all alleged debts that are not validated within thirty days under the FCRA XXXX provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I accepted the checking account retention offer from CITI bank. The offer is to spend {$100.00} and get {$100.00} back if I keep my checking account open. However, after I completed the required activity, CITI bank refused to honor the retention offer.

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 2022-06-15 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: CA

Complaint narrative:
I have sent two notarized affidavits ; one dated XX/XX/2022 and another dated XX/XX/2022, requesting verification of an unverified account my credit report per my rights under the Fair Credit and Reporting Act. As of today XX/XX/2022, I have not received any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Opened a Golden One Checking Savings Account received confirmation and went to fund account and showed repeated technical errors which didn't allow account to be funded, or edited to my, the customers, and members, needs. Reached out repeatedly and the Bank itself seems confused as to the issue have already email, gone in person, and spoke on the phone multiple times and each department re-directs the issue to another. What's the problem?

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 2022-06-15 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: PRIMARY RESIDENTIAL MORTGAGE
State: MN

Complaint narrative:
They run my credit report to many rime and Im authorized that

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management - XXXX Contacted my spouse whom I am separated from, who was not on the account! Gave him the details of my debt of {$1000.00} + dollars and that no payment has been made since XX/XX/2021 and asked him to make the payment. 

This is plain wrong- please do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} I did not give this company permission nor have ever done business with them and have documents filed with the police for fraud. 

XXXX XXXX XXXX XXXX XXXX  I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since 2015. I have police documents filed for fraud. 

XXXX XXXX XXXX I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since 2015. I have police documents filed for fraud and XXXX consented and closed the account, but I would like this to be removed from my 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 non-monetary relief
Consumer complaint received 2022-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it 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 2022-06-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: FL

Complaint narrative:
As of XX/XX/XXXX I have been disputing with Experian via certified mail for the last year or so about a reporting error that needs to be corrected, Yet Experian always comes back and says that the account was verified as accurate. XXXX XXXX XXXX  Account number XXXX continues to report that it is 90 days past due for XX/XX/XXXX. This can not be humanly possible seeing that the previous months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all reported as paid on time. I have mailed in dispute letters with a copy of my drivers license and a actual print out of the actual credit report where the error is being reported, Yet month after after month I always get the same result without any real investigation taking places. This has caused a great deal of stress to me because it's clear as day that this account is being reported inaccurately! Experian has violated FCRA 15 U.S.C SEC 623 ( b ) Duties of Furnishers of Information upon Notice of Dispute ( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer repo ting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, re- port those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

I have attached proof for your review.

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 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My American Express credit card offers rewards that can be used in its travel portal, when one selects the desired travel offers, in the end, it charges a higher price, about 20 % than the one offered. I check with other cards portals and they do everything right. 
I bought an air ticket XXXX, XXXXXXXX  to XXXX, XXXX the price in dashboard was {$980.00} after i selected it i was charged for {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
They report on my credit and Im not authorized that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: TOYOTA MOTOR CREDIT CORPORATION
State: MN

Complaint narrative:
They report on my credit and Im not authorized that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
I never opened an account with XXXX that shows on my report with an open date of XX/XX/2022. 
I am not sure why I now see a collection account as I don't recognize this. 
Seems like someone is compromising my data somewhere else, and this is very alarming to me. Please help me on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation