vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Dear Sir or Madam, I previously had a credit card ( cc ) with Barclays card. With that said, prior to XXXX of XXXX, I was never late on my payments. My payments were timely and when I asked for a credit increase, the request was granted. 
In XXXX of XXXX, I filed a dispute for a charge on my account that was posted in XXXX of XXXX. 

I continually disputed the fraudulent charges without success via emails and phone calls. In addition, the link on the website was not working and every time I spoke to employees about Barclays link not working, I never received any hard copies of the paperwork. Again, I continually asked for the documents to be sent to me via hard copy, but I never received, and I brought this to the attention of Barclayss card, and afterward, it was stated that the disputes were in review, and to date, no resolution. 
To date, there has been no resolution on the disputes, and Barclays has reported on my cc three reports being 90 days late, one 60 days late, and one 30 days late for the same event. My understanding is that there should only be one ding on my credit report due to this all being the disputed issue. I called Barclays cc and requested the late payment notices be removed from my credit report and utilize the pay to delete and after being on the phone with XXXX, Customer Service for over 50 minutes then transferred to XXXX XXXX, Escalation Specialist, for about eight mins, all five late reporting are still on my credit report. Again, I called Barclays card on XX/XX/XXXX to request the items to be removed, but they stated they do not do a pay to delete, therefore the late statements are still on my credit report. 

In addition, I paid for my cell phone bill w my cc, and one of the benefits of having the cc was that if a cell phone was broken or damaged, I would get reimbursed for the item, which I never did even after filing the claim two times. To date, there has been no positive resolution on this issue either. With all of that said, I did pay off the original balance of {$600.00} and when I did, I asked for a pay to delete, which was not honored by Barclays card. Ultimately, I would like for Barclays card to remove the late reports on my cc, honor the pay to delete and not have my payment listed as a settlement. 

Thank you, 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 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NH

Complaint narrative:
Thank for your help. I am making a complaint in hopes of speeding up the process so that I may move on to informing my mortgage bank about this error on my file being removed. Detail reasons of this error is explained in attached files but in short I believe said debt is not mine and I was not provided absolute proof the debt is mine. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This correspondence shall confirm the termination of your ownership due to a cancellation in XX/XX/XXXX for XXXX XXXX XXXX  XXXX ( XXXX ). Account was cancelled due to loan default. While I no longer have an obligation to this company... XXXX XXXX XXXX XXXX is continually reporting month after month that this debt is still unpaid and my credit rating is below negative. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX Fax XXXX. 

I need to put a STOP to this negative reporting as I can not get any credit approved from other financial organizations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/2021 an unknown person hacked my XXXX account and took {$220.00} from my balance. Within 5 minutes they also opened a XXXX  credit card in my name and charged {$1700.00} to it. I immediately submitted a dispute for each to XXXX At that point both were still pending and could have been stopped but they never replied or contacted me. After 11 days I hadn't heard from XXXX at all so I called them. Since then, they haven't contacted me regarding the investigation to ask for documents or anything. Yesterday I was notified they are denying my claim and I will have to repay the money. I have not been provided anything pertaining to what they even did to investigate. If they checked the IP address they'd see it wasn't done by me. They are not being helpful at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. I have enclosed the fraud package that was sent to them. This account was created by a fraudster under my name without my knowledge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I checked my LexisNexis consumer report and it showed two different bankruptcies on it. One from XXXX, TX and one from XXXX, TX. Did not give any written consent to LexisNexis to publish these. I beleive thats a violation of my consumer privacy. I sent LexisNexis a certified letter on XXXX asking them to remove the bank bankruptcies. I sent a certified affidavit on XXXX showing LexisNexis all the consumer rights that they have violated since I am a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc.
State: AL

Complaint narrative:
In early XXXX I was shopping around to find a loan for a new car purchase. During my internet search I was directed to Lending Tree at which time I was lead to believe that I was shopping for companies with the best rate. I submitted basic personal information, but at no time did I understand that I was submitting an application for a loan. I ended up going with a local financial institution, but this week I received a letter saying that I had been denied a loan with XXXX XXXX XXXX . I do not recall submitting an application for a loan, and believed that I was only inquiring into details of loans. So contacted XXXX XXXX XXXX and the representative proceeds to ask for my information. Name, phone number, and then the last four of my social security number. At that point I declined verify any additional PII data because I never shared the data with XXXX XXXX, but the representative confirmed that the application came from Lending Tree. 

My issue is that Lending Tree is very misleading. There are a bunch of data points that are being collected upfront, and at no point was it ever disclosed that I was submitting an application for lending. If I knew that I was submitting an application I would have stopped or never started the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
We recently sold our house but the Title Insurance company is holding over $ XXXX in escrow due to a unreleased lien from 1998. The lender was XXXX XXXX of Pennsylvania. The title insurance/under writers are XXXX XXXX, XXXX in XXXX. PA. We closed in XXXX and have tried to find any evidence from this old loan to prove it was paid. It was paid, our credit record is stellar, we borrowed against the property ( XXXX XXXX XXXX. in XXXX, PA, XXXX XXXX ) several times afterwards with no issues. We are struggling with why this title company won't release our funds because of an obvious error. We have tried to contact the other banks who purchased XXXX years ago and none will address the lien release issue. We know the loan was repaid in 1998 before XXXX was acquired. It was a bridge loan for purchasing XXXX XXXX until we sold our previous property XXXX XXXX XXXX, also in XXXX PA, 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 2021-10-01 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: NV

Complaint narrative:
I created an account with Equifax to view my credit report and credit score. I can see my report ok, but Equifax requires you to agree to their terms to view your score. When reading the terms it says you can opt out of certain data that Equifax shares with its affiliates and non-affiliates, and tells you to click on the privacy notice. When doing that the website takes you to their privacy notice : XXXX XXXX XXXX  In the privacy notice it says if you want to " limit our sharing '' you can go online, or call XXXX. I called, and was sent to XXXX. I talked to XXXX ; he didn't understand what I am trying to do, and said he can't view the privacy notice that I am looking at. Finally he muted himself and wouldn't respond as I tried to explain. I called the number back and talked to another person, a lady, and had the same experience. I finally asked, repeatedly, to talk to a supervisor, and she finally connected me over. I talked to XXXX, and XXXX said they didn't have the ability to do what I'm asking, nor could they access the privacy notice. I told XXXX that I would file a complaint with CFPB, and XXXX said ok. 

I want Equifax to limit the sharing of my personal information so I can see my free credit score. Equifax is not doing that, and is violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
I received a letter of debt collection from XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Their reference # XXXX dated XX/XX/2021 received by US Mail on XX/XX/2021. Note their envelope has no postmark or date. I immediately called them on XX/XX/2021 and advised of my intention to dispute and requested validity of the debt, proof of obligation. i was requested to provide my birthdate to which I refused as I had no idea whom was on the other end and possibly provide sensitive personal info to anyone. 

I wrote a letter dated XX/XX/2021 requesting validation of the debt to which to date have no received. I noticed that on XX/XX/2021 this company then placed a collection of my credit bureau reports with all three national credit bureaus. This is a violation of my rights as I have no proof or validity of this obligation, not was any provided by this company as of XX/XX/2021. Please force removal of the collection from my credit bureaus and take action against this firm for violating my rights to dispute since no proof was provided, and the receipt of the notification from this company was not received for in excess of 25 days from date of their notice..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
this collection account is listed on my XXXX  as negative and it effects my credit. Creditor assured me upon receiving full payment within XXXXdays collection would be removed from my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: MI

Complaint narrative:
I received an email from XXXX XXXX XXXX on XX/XX/2021 that stated as follows : Dear XXXX XXXX, The above referenced account has been placed in our office for collection. In order to assist you in resolving this debt, we can offer the following options : You may resolve your account for {$2600.00}. To accept, make your payment by XX/XX/2021. 

I made a payment on XX/XX/2021 in the amount of {$2600.00} to XXXX XXXX XXXX who was operating on behalf of XXXX XXXX XXXX. I was told that this matter was closed and would be removed from my credit report within 30 days. After 30 days it was still on my report. 

I contacted XXXX XXXX XXXX on XX/XX/2021 to complain that I had not received a receipt for my transaction and this matter was still on my credit report. They in turn assured me that this would come off soon and sent me a letter stating that my debt has been settled in full and my balance owed to XXXX XXXX XXXX was {$0.00}. 

Today, XX/XX/2021, I received an email from another collection agency requesting a payment of {$5700.00} and offering a settlement option on behalf of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXXDate of Inquiry XX/XX/2019 XXXX XXXX-Date of Inquiry XX/XX/2019 XXXX XXXX-Date of Inquiry XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This collection was a corporate account and mistakenly reported on my profile. I believe there may be an error on this collection account. The XXXX and XXXX Credit Bureaus chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I've tried to submit additional documentation to Experian through the upload website but it keeps saying that I can't submit anything. My online membership won't allow me to view any of my disputes. Experian has been notified that they are reporting inaccurate and fruadulent information on my report and they refuse to fix my consumer reports by removing the accounts that I have repeatedly brought to their attention. Experian is clearly breaking the laws that are defined in the FCRA. I have several complaints made through the CFPB and they still continue to violate 15 use 1681e ( b ), 15 use 1692g, 15 use 1681b ( 2 ), and pursuant 15 use XXXX are liable in the amount of XXXX per violation. I am providing a copy of the FTC report that lists all of the accounts that need to be removed immediately. this is myself sending in this complaint! I am attaching my drivers license as proof of identification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/2021 my Economic Impact Payment Prepaid Debit Card was sent out to my address. I never received my card nor had possession of it. On XX/XX/2021 I contacted XXXX  regarding my EIP Debit Card. I was notified by the representative that my card had been activated and used from XX/XX/2021- XX/XX/2021. I immediately filed a dispute with them regarding the unauthorized transactions for the amount of {$5600.00} and was told by letter that my claim was denied and closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: FL

Complaint narrative:
I wrote to the credit bureaus hoping for my accounts to get resolved and I am not seeing a change. I also want to understand the reason for my points to have dropped significantly and an account number changed on an account I have open. I would like to know the investigation results for these accounts still remaining in negative status on my account. XXXX XXXX, Account Number : XXXX, XXXX XXXX, Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: FL

Complaint narrative:
I wrote to the credit bureaus hoping for my accounts to get resolved and I am not seeing a change. I also want to understand the reason for my points to have dropped significantly and an account number changed on an account I have open. I would like to know the investigation results for these accounts still remaining in negative status on my account. XXXX XXXX, Account Number : XXXX, XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XXXX has funeral trusts with Wells Fargo XXXX We served a family with a funeral trust, but Wells Fargo will not release the funds from the funeral trust. The decent died over a month ago. Ive provided the death certificate, proof of funeral home ownership and I am already a business customer with Wells Fargo.

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