vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 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: FL

Complaint narrative:
Barclays US issued a replacement card because they changed the rewards sponsor. the old XXXX XXXX Visa card was replaced by the XXXX  Master Card with a different number. Upon activating the card on XX/XX/2021, all the online account information was replaced with the new card information only the old card balances remained. 

Being pressed for time, I placed a block on the card through the company 's online feature on XX/XX/2021, because I had a vendor that has a non-prorated refund cancellation policy, and also makes canceling a subscription through the website difficult. I was not able to access the old card account online as it had been merged with the new card upon activation. The vendor used the old card information to process the transaction for {$99.00} on XX/XX/2021. 

I contacted Barclays on XX/XX/2021, to inquire why the vendor was able to process a transaction with an old card that was replaced with a newly activated card of a locked card account. I also was concerned that since it was the same account, the old card should have been canceled upon the activation of the new card. They informed me that since the vendor had the old card information it would be possible to continue to charge the account until the old XXXX Visa Rewards card expired regardless of the replacement card being active. They informed me that my only recourse was to submit a dispute for the charge. I informed them that this would not be correct since the account control failure was Barclays. they said that's all they could do. 

Also, note the inability to block the old XXXX Visa Rewards card because the account was merged and only allowed me to control the newly activated XXXX Master Card.

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 2021-06-08 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:
The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

I have also sent letters to all 3 credit bureaus XXXX, Equifax, and XXXX  over 30 days ago and have not received a reply or response. I will attach the letters that I have sent and singed with my signature. They have violated multiple laws of the United States 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. 

15 U.S. Code 1692g - Validation of debts They were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I do not validate this debt. 

Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION. 

THEY HAVE VIOLATED MULTIPLE RIGHTS AND LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: AES/PHEAA
State: CA

Complaint narrative:
FedLoanServcing As of XX/XX/XXXX they're still reporting FALSELY. I see what's going on. For example the original high balance is {$2800.00} BUT once I make a payment, they're changing the new balance to be the " Original High balance '' therefore resulting in my debt to ratio over exceeding ( over 30 % ). It's appearing that payments are not being made, causing my XXXX to stale and not increase. I disputed several times with all three credit bureaus and NOTHING is being done about the falsifying of data and disparities to my FICO score. I called last month XX/XX/XXXX and spoke with a Rep, of course she placed the blame on the credit bureaus, Rep stated they're accurately sending data through e-coach. Rep wanted to see a copy of dispute results so I uploaded it onto the website so she can view the dispute. She ensured me that the issue should be resolved. She did find it strange that my rejected {$50.00} payment on XX/XX/XXXX actually got reported to the credit bureau. XXXX shot up 52 points after a ( fake ) {$50.00} payment YET authentic large payments FICO doesn't increase. I understand why now. Fed loan is CONTINUING to falsely report principle ( remaining balance ) as the high balance. Example once I got my payment down to {$2500.00} from {$2700.00}. They're reporting {$2500.00} as the high balance AND remaining balance. It's should reflect High balance as {$2800.00} and remaining balance {$2100.00} ( my last payment on XX/XX/XXXX wasn't reported as well and they report at the end of each month. 
I've been dealing with this now since XX/XX/XXXX going back and forth getting no where. Fed loan & XXXX XXXX say it's the Credit Bureaus and The Credit Bureaus say it's the Creditors. I've Attached images and proof of payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: GA

Complaint narrative:
On or about XX/XX/XXXX, we applied for a conventional mortgage re-finance through multiple companies, including Better ( better.com ). 

In each of these companies, including Better, we submitted information that the companies requested : personal details, financial details, proof of homeowner 's insurance, etc. 

On XX/XX/XXXX, the company which holds our homeowner 's insurance sent an e-mail notification that the mortgagee on the policy had changed to Better. 

As of this date, we had NOT received an initial closing disclosure, we had NOT given Better authorization to make this change, and we had NOT even been approved to set a closing date. So we also did NOT have a closing date set. 

On XX/XX/XXXX, we reached out to Better and reached their customer service ( extremely friendly ) however was told that the person responsible for our mortgage was unavailable and that we had to wait. 

As of the writing of this complaint, Better has not provided the specific written authorization that we provided for them to set themselves as mortgagee. As of the writing of this complaint, we believe that we have NEVER given them authorization to make this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: CO

Complaint narrative:
I believe Equifax is reporting an inaccurate date on the Bankruptcy listed in my credit report. I have disputed the item, XXXX times, on their website. The first dispute is still showing as pending ( over three months ago ) the second and third disputes ignored my requests to provide a copy of the document ( s ) they are using. Instead, they take one day, respond back claiming that it's accurate, without providing proof other than an electronic verification which is what I am disputing and I believe to be inaccurate. 

I was clear in my explanation of this in my disputes. I was also clear in my request for an actual copy as proof and not simply an electronic verification. I believe I have to right to view or receive a copy of what they are using under the Fair Credit Reporting Act and I clearly asked them for this. Once, they never notified me of the results as the dispute is still pending since XXXX. Twice, they took a shortcut, ignored what I was disputing and ignored the request. I have been fighting this since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am the parent of XXXX active college students and XXXX recently graduated college student. My sons have used " South Carolina XXXX XXXX '' website to get loans that are serviced by Firstmark services. Firstmark services has repeatedly misapplied payments I have made to the various loans my XXXX sons have with them, in some cases applying it to different accounts than what was submitted on the checks sent to them from XXXX XXXX XXXX. I am filing this complaint since this is as at least the 10th time they have had issues correctly applying payments to the right accounts. This has resulted in errant late fees, multiple calls to me for " late '' payments, & multiple calls from myself & my sons to them to get fees waived, payments reapplied correctly & payments sent to correct the

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Account/inquiry reporting on XXXX XXXX that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TX

Complaint narrative:
EQUIFAX has mixed up my information with that of my sister, XXXX XXXX XXXX. I have repeatedly, over a 20 year period, contacted them by email and mail. I have sent them all that they request including my driver license, birth certificate, social security card and utility bills. I have explained they are combining my sisters information with mine. Every time I try to open an account it is denied because of this. I register to use EQUIFAX online and keep getting my sisters credit report, but my information and accounts are included in it. I am exhausted and frustrated. I need this fixed. We are two people, not one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Account/inquiry reporting on XXXX XXXX that is not mine

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 2021-06-09 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

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 2021-06-08 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: Opportunity Financial, LLC
State: FL

Complaint narrative:
Account/inquiry reporting on XXXX XXXX that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: VW Credit
State: UT

Complaint narrative:
I purchased my XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX. They got me to finance the vehicle through VW Credit. VW credit set up auto pay with me and told me that it would take 1 billing cycle to be finalized. After the first two billing cycles, the autopay did not finalized and it caused me to miss a payment.

I have been trying to work with VW Credit ever since and they have lied saying that they send me a letter with instructions to dispute in XXXX. I never received such letter. 
They will not give me access to my online portal saying that my account is too old. This missed payment was their fault. It is something I am trying to remove from my credit report. I've disputed with the company ( I asked them to actually send me a letter this time ) and I've discussed with the credit bureaus. 
I never missed any other payment because I do not miss payments. They missed the first autopayment and lied about when the auto pay would be finalized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting multiple accounts on my credit file that need to be removed. I paid off all accounts a while back ago however, they continue to report on my credit and affecting my ability to be able to finance. This is completely unfair as the debt was paid even though I never received a 30 day right to dispute notice for any of the accounts. That is a violation under the FCRA and the FDCPA. I am now asking that Express Recovery delete all accounts from my credit file. I am aware that Express Recovery has the ability to report this account to the bureaus as they deem necessary. If I do not receive a response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to institution of legal proceedings against them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
So my husband and I both got a loan in XXXX of 2020, we made a couple payments then all of a sudden she started saying my payments where returned spoke with my bank that wasn't true, now her and the guy there are calling over and over and over all day to both of us and our references showing up at the house non stop. I've just been diagnosed with XXXX and I've begged her to stop and she does it more and more

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: CA

Complaint narrative:
I have sent numerous of letters explaining I am a victim of identity theft along with copy of valid documents. I have sent letters in XXXX, XXXX, XXXX and XXXX to plead with bureaus of fraudulent accounts. 
I have filed police report of my information being stolen, I also explained when I have moved to the United States. There was no way I could have applied for such accounts, theres also another person name listed to the account. 
My pleas are being ignored but a automatic system.

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 2021-06-08 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: SC

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: AFNI INC.
State: OH

Complaint narrative:
In XXXX of XXXX Afni INC XXXX XXXX  XXXX, XXXX, IL XXXX Reported to the credit bureau that I owed them money form and XXXX XXXX XXXX account. I have never heard of Afni nor received and correspondence stating I owed them money. I mailed Afni a letter return receipt requested asking for proof that I owed them any money as I have never had an XXXX XXXX XXXX account. 
I never heard anything back I fought the fictitious entry on my credit report and it was removed I then noted the XXXX XX/XX/XXXX settles with Afni for credit bureau reporting violations. 
Well afni is still doing it!!! Please DO SOMTHING ABOUT IT!!!!

The reported incorrect info to the credit bureaus about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I made an online purchase in XXXX for some shirts size xxl. I used XXXX thru Bank of America credit card. The amount was {$68.00}. The shirts came and were way too small. They dont even look to be large. Immediately I tried to contact the merchant. After 3 attempts I called my credit card company. Theyd said to dispute the charge. I agreed as there is NO way to return these products. No return label no answer on the phone. No answer on the email nor messenger. On XX/XX/XXXX I get a letter from Bank of America credit services saying the claim is denied. They want proof that the merchandise was returned .... so I called them right away. I said to them think how silly this sounds. The reason Im disputing the charge is because of an absent merchant non responsive merchant how can I remedy an issue when no one will contact me? They agreed and said they would appeal the decision. Today I received a letter dated XX/XX/XXXX saying they looked into my case again and decision stands. They want proof of return ... ... now I called them this afternoon I spoke to XXXX in Texas XXXX in Texas and XXXX  in Texas. XXXX  manager and they all say there is nothing they can do without proof of return???? How can I get proof of return when the merchant will not respond to me. So I have these napkins they call shirts and cant fight this? Im expected to pay for this garbage? Im so confused and I dont know what to do or who to call. This is truely crazy. I asked them if they have spoke to the merchant XXXX  said yes. But she probally means she spoke with XXXX. Boy the actual merchant. This whole situation is bizarre and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I was going over my so-called credit report and came across Kimball Tirey & St John on my so-called credit report claiming that I supposedly owe them {$620.00} I did reach out to the company onXX/XX/2021via phone call, The receptionist over at Kimball had asked me my name, I gave it to him than he asked me for the last 4 digits of my SSN number to identify me, I responded and told the receptionist that under 42 USC sec 408 the receptionist immediately spoke over me and told me that he was only a receptionist from there he did find the so-called account owed and transferred me to a woman over at kimball, I could not get her name because immediately when she picked up she asked for my ssn than name. I agin told the woman 42 USC she got very angry at me and told me that she has to disconnect the call if I did not give her my SSN, I told her no problem that I will just make a complaint with CFPB so now I am here making this complaint because for whatever reasons this fraudulent information is about I have no idea as yet but Ive never gave anyone permission to put anything on my so-called credit report.

15USC 1692g 15USC 1592n 15USC 1681a. etc etc etc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: MO

Complaint narrative:
I have XXXX credit cards that I pay in full monthly that Im the authorized user on. Transunion is not reporting the information and removed the wrong accounts from the report. They refuse to re - add the 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 explanation