vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XX/XX/XXXX Fraudulent use of my Barclays XXXX Mastercard which has been entirely in my possession and not used for a year. 

XX/XX/XXXX Phone call dispute of charges with Barclay. Assured that Barclay XXXX Mastercard will reverse the charges and that I am not responsible for late payment of fraudulent changes XX/XX/XXXX Barclay Mastercard Annual Credit Fee charge XX/XX/XXXX Payment of Annual Credit Card Fee Barclay XXXX Mastercard reverses fraudulent charges BUT Barclay reports ( erroneous ) late payment with XXXX XXXX XXXX, lowering my credit score XXXX points XXXX XXXX Several calls to Barclay XXXX Mastercard fail to resolve this credit reporting issue Consumer reports issue with Barclay XXXX Mastercard to XXXX and awaits response.

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 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank paid out money to XXXX, XXXX XXXX ( for games ) and XXXX XXXX without my permission or without authorization or even a correct ATM card number. I lost my card, I got new replacement card and to my suprise Citibank still paid out money on the old ATM card number. How they did that I don't know but I am also really tired of XXXX and XXXX & XXXX XXXX XXXX just hitting my bank account over and over again until they get paid and what makes this so infuriating is that they didn't even have the correct atm card number and citibank still paid out the funds. I started calling Citibank at XXXX this morning and it is now XXXX pm and I get transferred around and around and around and around. Citibank is telling me they are not going to refund the money without cancelling my card. I am like you gave out the money. This is not my problem. 

I am paying XXXX  XXXX XXXX XXXX I am also at a loss why I have to talk to people in XXXX about my bank account. Can't they find people in the US/north america ? who understand why I would be so angry. These call centers are a total waste of money.I would say Citibank is also very misogynist. I have lived on the earth long enough to be given credit and respect.

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 2022-03-19 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: NJ

Complaint narrative:
I HAVE MULTIPLE ACCOUNTS ON MY CREDIT REPORT THATS INACURATE AND UNFAIR AND SOME ACCOUNTS ISN'T EVEN MINE. THE CREDIT REPORTING AGENCIES SUCH AS ( XXXX, XXXX, TRANSION ) HAVE REPORTED THESE INNACCURATE AND FRAUDULENT ACCOUNTS ON MY CREDIT FILE WITHOUT EVEN CONSULTING WITH ME TO EVEN FIND OUT IF THESE ACCOUNTS WHERE ACCURATE OR EVEN MINES.. AS I UNDERSTAND IN PURSUANT TO 15 USC ( A ) ( 2 ) UNDER THE FCRA THEY CANT REPORT ANYTHING TO MY CREDIT FILE WITHOUT MY CONSENT WHICH THEY NEVER DID.. MY CONSUMER RIGHTS HAVE BEEN VIOLATED..

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 2022-03-19 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: NJ

Complaint narrative:
I HAVE MULTIPLE ACCOUNTS ON MY CREDIT REPORT THATS INACURATE AND UNFAIR AND SOME ACCOUNTS ISN'T EVEN MINE. THE CREDIT REPORTING AGENCIES SUCH AS ( XXXX, EQUIFAX, XXXX ) HAVE REPORTED THESE INNACCURATE AND FRAUDULENT ACCOUNTS ON MY CREDIT FILE WITHOUT EVEN CONSULTING WITH ME TO EVEN FIND OUT IF THESE ACCOUNTS WHERE ACCURATE OR EVEN MINES.. AS I UNDERSTAND IN PURSUANT TO 15 USC ( A ) ( 2 ) UNDER THE FCRA THEY CANT REPORT ANYTHING TO MY CREDIT FILE WITHOUT MY CONSENT WHICH THEY NEVER DID.. MY CONSUMER RIGHTS HAVE BEEN VIOLATED..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: MI

Complaint narrative:
I am a federally protected consumer and have been a victim of identity theft. Please see attachments 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 non-monetary relief
Consumer complaint received 2022-03-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has elected to completely ignore my request to certify that they have complied with XXXX XXXX - XXXX XXXX. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has a reporting relationship : XXXX Compliance mandates that carbon copies ( Carbon Copies!! ) be sent out. Also, the regulation says that simply sending carbon copies to the other bureaus is not sufficient. They are required to send carbon copies to ALL the places they have reporting relationships with that they have shared that reporting with. This DOES NOT mean just for that one bureau, or for just the main 3 bureaus, but ANY data furnisher they do business with in regard to this client. This fact alone makes it virtually impossible to comply with XXXX reporting standards. Even providing that the XXXX has carbon copies, how would they construct hundreds of them for each individual that disputes or challenges an item on their credit profile? 

Before I pursue a claim in Small Claims Court, I'm giving Experian one last time to certify that removal of the following accounts was shared with XXXX and XXXX : XXXX XXXX XXXX XXXXXXXX  I specifically asked for this in Complaint # XXXX, filed on XX/XX/2022, and that case was closed without responding to this specific regulatory requirement.

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 2022-03-19 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: MI

Complaint narrative:
I am XXXX XXXX XXXX a federally protected consumer. EXPERIAN is violating my federally protected right as a consumer by furnishing a consumer report without my written consent. this is a violation of 15 USC 1681 ( b ) ( 2 ).

As a federally protected consumer I am alarmed and seriously concerned that Consumer Reporting companies are consistently violating the law willfully. 

Please see the attachments as they provide proof that Experian is violating my federally protected consumer rights in many ways.

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 2022-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, I am the victim of the Venmo scam. 
Long story short, I was scammed {$3000.00} in Venmo. 

Thankfully, my bank was right there with me to prevent the fraud and stopped those XXXX Venmo transaction to go through. However, Venmo is not doing the same. 
I opened the disputes and keep reaching out to Venmo for help to get my refunds, but the total opposite has been happening to me. 
Venmo froze my account, took my balance I already had to automatically apply to the negative balance of {$3000.00} and making me 100 % liable. 
No matter how many times I tell them the other payee was the scammer with all the evidences, they are just putting all those things on me and not doing anything with the scammer. 
Despite me being the victim, Im the liable and the bad guy to them. They keep tell me to reach out to my local law enforcement and I did. I made police getting involved, but they cant proceed because Venmo wouldnt give the search warrant about the scammer. 
I never felt so suffocated and betrayed by them. Not doing well mentally and and thought about many life ending thoughts because that money was all I had in my savings. 
Now as Im reading through some of the articles, if I dont pay that amount and leave it like that, I read that Venmo will eventually reach out to the collection agency about the negative balance. 

I was wondering if you can please help me find the justice in this situation, where I'm the victim and need to get my money back here. 
To them, {$3000.00} is a tiny amount of loss for their multi-billion dollar company. For me, this money is everything for my XXXX and personal debts. Im reaching out to see if I can get more info about them or you can help me bring this to the light. Thank you so much for reading through this. God bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I was Messaged that my suncoast account was locked and that I should log in. Picture attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX i proceeded to finally book a vacation package for my family. I can not afford it up front so i saw i could do " Monthly payments '' upon checking out on XXXX app. I was searching for days and my travellers ' names were all correct on XXXX and XXXX. 
However this site took me to Affirm ( the company to loan me the trip ) site to complete booking. I was never diverted to a page from Affirm to check my package before they said it's booked. I am careful so i immediately called XXXX to correct the last name of my stepdad. XXXX XXXX should be XXXX XXXX. I booked at XXXX. and by XXXX up to XXXXXXXX XXXX i was on the phone with agents. 
XXXX told me to call the airlines. I called XXXX ( who would take us to XXXX, and XXXX XXXX for our return ). Both airlines said XXXX needed to change it. One agent at XXXX XXXX said " i know exactly what is happening, don't let them get away with it ''! No joke. 
Not to mention my whole package processed by XXXX has the wrong name. I called them back to tell them the airlines can not. They insisted they would not change it and my only option is to cancel the flights. At the same moment i'm telling them i can not afford to pay for flights and can not find matching around the hotel and activities. 
They cancelled everything and said they would contact the hotel at XXXX to send them a message to make an " exception '' for me. 
I called the hotel at XXXX my time in XXXX. They said XXXX needed to send an email. So i called XXXX to send the email and gave them the hotel 's email address. 
By this time i'm also alerting Affirm. But their site wouldn't allow a dispute until the loan is approved. It took 3 days as the site showed " XXXX loan is processing ''. I don't know and have no way to know what XXXX sent Affirm. 
XXXX sent an email saying they will refund Affirm only a portion. 
Affirm is now telling me i owe them FOR NOTHING!!! 
THIS IS BLATANT FRAUD. STEALING. 
I finally fixed my credit enough to buy a house XXXX  for me and my little girl and now i will be ruined. I have no vacation. It was only going to be 4 days but i thought it would have been worth it since my parents never had a vacation like that ever! 
Please help... i was tricked and i never got a chance to fix their mistake and i was even told the transaction is VOID but they are still saying i owe. 
XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Affirm- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: CA

Complaint narrative:
I am XXXX XXXX I repeatedly giving this corporation opportunity to cure these inaccurate information being reported on my consumer report.. I am very aware of the FCRA regulations. I AM A NATURAL LIVING PERSON. Per. 15 USC 1692 a ( 3 ) .The law states that I have a right to a accurate credit file and this company is continuing to update and fix this problem this is my third time giving this corporation a opportunity. Due to there negligence myself and family are XXXX See Attached Documents. This corporation is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: CA

Complaint narrative:
I am XXXX XXXX I repeatedly giving this corporation opportunity to cure these inaccurate information being reported on my consumer report.. I am very aware of the FCRA regulations. I AM A NATURAL LIVING PERSON. Per. 15 USC 1692 a ( 3 ) .The law states that I have a right to a accurate credit file and this company is continuing to update and fix this problem this is my third time giving this corporation a opportunity. Due to there negligence myself and family are XXXX. See Attached Documents. This corporation is in violation.

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 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Received multiple emails at the same time from Bank of America. An online account was created with my information.

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 2022-03-19 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: ProCollect, Inc.
State: WA

Complaint narrative:
I had a debt with Pro Collect for a little over {$240.00}. I paid the debt and was told once the debt was at a XXXX balance Pro Collect would take the smear off my credit report. This has not been done. Also, its reporting negatively that I still owe on my consumer report. I would like this remark removed from my credit report and consumer report as promised. 

Thank you.

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 2022-03-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has elected to completely ignore my request to certify that they have complied with XXXX XXXX - XXXX XXXX. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has a reporting relationship : XXXX Compliance mandates that carbon copies ( Carbon Copies!! ) be sent out. Also, the regulation says that simply sending carbon copies to the other bureaus is not sufficient. They are required to send carbon copies to ALL the places they have reporting relationships with that they have shared that reporting with. This DOES NOT mean just for that one bureau, or for just the main 3 bureaus, but ANY data furnisher they do business with in regard to this client. This fact alone makes it virtually impossible to comply with XXXX reporting standards. Even providing that the XXXX has carbon copies, how would they construct hundreds of them for each individual that disputes or challenges an item on their credit profile? 

Before I pursue a claim in Small Claims Court, I'm giving Experian one last time to certify that removal of the following accounts was shared with XXXX and XXXX : XXXX XXXX XXXX XXXX I specifically asked for this in Complaint # XXXX, filed on XX/XX/2022, and that case was closed without responding to this specific regulatory requirement.

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 2022-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This is a fraudulent number that calls me everyday pretending to be XXXX. The number is 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 2022-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
A perpetrator opened a checking account and credit card in my name with Bank of America.

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 2022-03-19 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: TX

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX  1 ) XXXX XXXX  account # XXXX, has violated my rights. 
2 XXXX XXXX XXXX account # XXXX, has violated my rights 3 ) XXXX account # XXXX, has violated my rights. 
4 XXXX XXXX XXXX account # XXXX 5 ) XXXX account # XXXX, has violated my rights. 
6 ) XXXX  XXXX XXXX account # XXXX, has violated my rights. 
7 ) XXXX XXXXXXXX account # XXXX, has violated my rights. 
8 ) XXXX account # XXXX, has violated my rights. 
9 ) XXXX XXXXXXXX account # XXXX, has violated my rights. 
10 ) XXXX XXXX XXXX Account # XXXX, has violated my rights. 
11 ) XXXX  XXXX account # XXXX, has violated my rights. 
12 ) XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. also states a Consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-19 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I called Chase credit card customer support on Tuesday, XX/XX/XXXX to request a refund for a round-trip airline ticket from XXXX to XXXX for XXXX XXXX XXXX XXXX XX/XX/2022 returning XX/XX/2022 ) in the form of points. I was told I could refund my airline ticket for points and the representative then proceeded with the refund. 

When I called Chase credit card customer support on Wednesday, XX/XX/XXXX to check the status of the refund I was told the ticket is not eligible for a refund and it was instead processed as a cancellation without a refund by the representative on the XXXX. The representative on the XXXX then checked the recording of my conversation with the representative on the XXXX to confirm whether it was communicated to me that the ticket was eligible for a refund. The representative on the XXXX confirmed that the representative on the XXXX told me it was eligible for a refund and the they would call me back. I never received a call back. 

I then wrote a formal compliant through my online Chase account describing the incident above and requesting the refund I was told I would receive. I received an electronic response on XX/XX/XXXX in the form of a letter ( attached pdf ) that stated " we could not locate the transaction information you requested '' and " we have closed your request. '' Chase appears to have a record of this incident because they are able to retrieve it's history when I call them. This includes the ability to retrieve recorded conversations of their representative confirming the eligibility of and processing my refund. 

Chase is not only failing to acknowledge misrepresentations made by their representative, but they are also failing to process my refund, they cancelled a ticket worth hundreds of dollars without my permission, and they are now claiming to not have any knowledge of the incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received phone calls from these credit collectors from time to time even though I disputed the amount they are collecting.

I felt being harassed by these collectors, calling using unknown caller IDs. Today again, a female collector from Midland collections says she has the right to call and collect a debt. And they are authorized and can resume collections anytime by the Fair Debt Collections Practices under section 809. non-stop harassment? Why is that?

Company response to consumer: Closed with non-monetary relief