vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays Bank DE has been reporting inaccurate information on my credit report. I have tried to correct this information by Disputing it but Barclays stated that the information is correct to the credit bureaus.

I would like to see how they calculated the balance on this account.

Barclays has withheld the credit limit to XXXX  in an attempt to further damage my credit, Barclays has also reported the high balance as a lower amount than the balance on XXXX and XXXX. how is that mathematically possible and why are the amounts so different XXXX : High : {$0.00} balance : {$1700.00} XXXX  High : {$1200.00} balance : {$1700.00} Barclays has tried to re-age this account by having different Dates of last activity and different dates of last payment at all 3 bureaus Date of last activity XXXX XXXX  : XX/XX/2018 XXXX Date of last payment XXXX XXXX XXXX Barclays Bank has also transferred this account to a collection agency called XXXX XXXX XXXX and has failed to report this transfer to me.

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 2020-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc.
State: IN

Complaint narrative:
National Credit Management a/k/a National Collection Systems , Inc. ( hereinafter called, " Collection Agency '' ) did not provide me with a debt validation letter and itemized statement of account in regards to the purported indebtedness any time in history. 

I have written the collection agency on five separate occasions disputing the validity of the debt and each time therein for the collection agency to provide me with a debt validation letter and itemized statement of account for the purported indebtedness to no avail.

The collection agency has intentionally failed to follow the legal procedures outlined in the FDCPA and FCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX DEALER SVC with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
According to My Current Credit report, I have an outstanding balance of {$4800.00}, On a Capital One Card, when in actuality the card had been paid off in one sitting. However, the balance still remains on the report and proceeds to bring my credit score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX DEALER SVC with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 explanation
Consumer complaint received 2020-02-18 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.

2. XXXX XXXX DEALER SVC with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriFirst Financial Corporation
State: FL

Complaint narrative:
I have repeatedly asked Amerifirst Mortgage to refinance our loan.

I've gotten many excuses. 
How can we get help for a lower monthly payment? 
I've been working on this since XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18 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: Echelon Financial, Inc.
State: CA

Complaint narrative:
Consumer Protection Bureau Report on XX/XX/XXXX : On XX/XX/XXXX, I received an unauthorized transaction that showed in my XXXX XXXX  online transactions uncertain today if I made the request or not, so please check on the validity of the company to ensure policies are followed by the company, and there are no fraudulent transactions that occurred at the time. I am a victim of severe violations which some falls under the area of crimes against humanity. In addition, possible violations of identity theft, impersonation of character, label and slander acts of crime, plagiarism, misused of social security, and creation of fraudulent transactions might be in existence in my case. In case of any involvement to my ongoing case currently, please check the accuracy, background, and validity of this company. The debit authorization was processed in my bank account on XX/XX/XXXX with a time indicated of XXXX XXXX bank card ending # XXXX. Other information listed includes XXXX which I believe relates to the company name/info. Although it could be a request I made previously which I do not recall at this time, please check the accuracy of the information and the report paid in the transaction in details to ensure there is no fraudulent activities in existence, thank you. 

Sincerely, XXXX XXXX, XXXX XXXX Resident XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX. This vehicle was financed through Bridgecrest with GAP insurance through XXXX XXXX. XX/XX/XXXX I was struck by a deer on the way home that fully deployed all air bags on the right side of my SUV. That night I filed a claim with XXXX XXXX XXXX. The Following day I notified Bridgecrest regarding the accident and provided them with the claims number and other information. I was told that I did have GAP insurance and that they would file the claim. I would be told later in XXXX that the GAP claimed wouldn't be filed until XX/XX/XXXX. I received information that a check for {$12000.00} was sent XX/XX/XXXX, and Bridgecrest requested a 2nd check for {$180.00} on XX/XX/XXXX. Both checks would be held until XX/XX/XXXX. This resulted in a late payment. I was then notified that my GAP insurance claimed was submitted on XX/XX/XXXX and Funds was sent XX/XX/XXXX in the amount of {$3300.00}. That still to this day is not reflected in balance of the car. But this payment means the loan should have been paid in full for XXXX and XXXX. This is when I begin to panicked being that i had already invested so much money into rental cars. So I proceeded to Buy a car and had to go to an buy here pay here. Later I would find out that late payments had been attached to my credit report. after talking with XXXX XXXX I checked my account on Bridgecrest and saw that after I requested documentation, they was able to add it as pending to the account. When I called XXXX   XXXX she told me the money hadn't been sent over and that it was there. When I informed her of what had occurred she was lost for words. Now I am in danger of losing my Binders fee and my house. At this point my anxiety is a level 1000.

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 2020-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. Also send me all payment that was made on this account from when the account was open up until the account went past due As XXXX! per the law seized in desist all collection activities including credit reporting agencys Please comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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:
XXXX/XXXX  XXXX Active last reported XXXX XXXX opened XXXX XXXX XXXX type Revolving Industry Clothing Loan type charge account Limit {$1000.00} past due =========================NOT MINE ============================== XXXX XXXX {$1500.00} credit card Limit {$2000.00} ===================================================================CITI {$1500.00} ALL THIS ACTIVE ACCOUNTS ARE IN MY CREDIT REPORT I DID NOT DO THIS OR GAVE MY PERMMISSION TO NOONE TO OPEN THIS ACCOUNTS XXXX XX/XX/XXXX XXXX   XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  CREDIT CARD, TRAVEL/ENTERTAINMENT XXXX XX/XX/XXXX XXXX CREDIT CARD, TRAVEL/ENTERTAINMENT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I first started building my credit history beginning XX/XX/XXXX with a secured credit card. I got a XXXX XXXX account a month later. 
A year later, I converted my secured card to an unsecured card and also got a XXXX account. In XX/XX/XXXX, I got a credit increase on XXXX XXXX. 
In XX/XX/XXXX, I legally changed my name and reported this to XXXX XXXX. In XX/XX/XXXX, I  reported the name change with Social Security. Since I was on a debt management plan beginning XX/XX/XXXX, I reported the name change to them in XX/XX/XXXX or XX/XX/XXXX.

In XX/XX/XXXX, I reached out to XXXX  and XXXX  directly and sent them proof of the legal name change. I got some reports updated. In XX/XX/XXXX, however, I contacted my XXXX attorney because XXXX  continued sending me E-mails under my old legal name despite having asked them in writing to remove my account with that name. 
After being denied for a loan by XXXX XXXX in XX/XX/XXXX, I wrote a letter to TransUnion and attached several documents, including a drafted letter sent by my attorney. I pulled a report from XXXX under my new name and found that I have been on TransUnion 's file since XX/XX/XXXX. This was inaccurate since I've had accounts opened before then. 
So, using XXXX, I filed an internet dispute on XX/XX/XXXX, and I called TransUnion because I got a letter saying that they needed me to submit another copy of my social security card and state ID, which I did. I called them up in XX/XX/XXXX and found that the copies I submitted were illegible, so I sent it again using a different service to ensure that they were legible this time. I also went on TransUnion 's web site and found a report under my old legal name, and this one said that I have been on their file since XX/XX/XXXX. So, in my new letter, I asked TransUnion to merge both of those reports together. 
A month later, I have not received any updates or notices that the process was completed, and web sites like XXXX are not seeing my payment history or credit age yet. Also, public records web sites used for background checks don't have me listed under my new legal name.

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 2020-02-18 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: TX

Complaint narrative:
XXXX can financial hippa violations or ftc or both

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 2020-02-18 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: OR

Complaint narrative:
I first started building my credit history beginning XX/XX/XXXX with a secured credit card. I got a XXXX XXXX account a month later. 
A year later, I converted my secured card to an unsecured card and also got a XXXX account. In XX/XX/XXXX, I got a credit increase on XXXX XXXX. 
In XX/XX/XXXX, I legally changed my name and reported this to XXXX XXXX. In XX/XX/XXXX, I  reported the name change with Social Security. Since I was on a debt management plan beginning XX/XX/XXXX, I reported the name change to them in XX/XX/XXXX or XX/XX/XXXX.

In XX/XX/XXXX, I reached out to XXXX and Experian directly and sent them proof of the legal name change. I got some reports updated. In XX/XX/XXXX, however, I contacted my XXXX attorney because Experian continued sending me E-mails under my old legal name despite having asked them in writing to remove my account with that name. 
After being denied for a loan by XXXX XXXX in XX/XX/XXXX, I wrote a letter to XXXX   and attached several documents, including a drafted letter sent by my attorney. I pulled a report from XXXX under my new name and found that I have been on XXXX  's file since XX/XX/XXXX. This was inaccurate since I've had accounts opened before then. 
So, using XXXX, I filed an internet dispute on XX/XX/XXXX, and I called XXXX because I got a letter saying that they needed me to submit another copy of my social security card and state ID, which I did. I called them up in XX/XX/XXXX and found that the copies I submitted were illegible, so I sent it again using a different service to ensure that they were legible this time. I also went on XXXX  's web site and found a report under my old legal name, and this one said that I have been on their file since XX/XX/XXXX. So, in my new letter, I asked XXXX  to merge both of those reports together. 
A month later, I have not received any updates or notices that the process was completed, and web sites like XXXX are not seeing my payment history or credit age yet. Also, public records web sites used for background checks don't have me listed under my new legal name.

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 2020-02-18 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I first started building my credit history beginning XX/XX/XXXX with a secured credit card. I got a XXXX XXXX account a month later. 
A year later, I converted my secured card to an unsecured card and also got a XXXX account. In XXXX, I got a credit increase on XXXX XXXX. 
In XX/XX/XXXX, I legally changed my name and reported this to XXXX XXXX. In XX/XX/XXXX, I reported the name change with Social Security. Since I was on a debt management plan beginning XX/XX/XXXX, I reported the name change to them in XXXX or XXXX. 
In XX/XX/XXXX, I reached out to Equifax and XXXX  directly and sent them proof of the legal name change. I got some reports updated. In XXXX, however, I contacted my XXXX attorney because XXXX  continued sending me E-mails under my old legal name despite having asked them in writing to remove my account with that name. 
After being denied for a loan by XXXX XXXX  in XX/XX/XXXX, I wrote a letter to XXXX   and attached several documents, including a drafted letter sent by my attorney. I pulled a report from XXXX under my new name and found that I have been on XXXX  's file since XX/XX/XXXX. This was inaccurate since I've had accounts opened before then. 
So, using XXXX, I filed an internet dispute on XX/XX/XXXX, and I called XXXX  because I got a letter saying that they needed me to submit another copy of my social security card and state ID, which I did. I called them up in XXXX and found that the copies I submitted were illegible, so I sent it again using a different service to ensure that they were legible this time. I also went on XXXX  's web site and found a report under my old legal name, and this one said that I have been on their file since XX/XX/XXXX. So, in my new letter, I asked XX/XX/XXXXto merge both of those reports together. 
A month later, I have not received any updates or notices that the process was completed, and web sites like XXXX are not seeing my payment history or credit age yet. Also, public records web sites used for background checks don't have me listed under my new legal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: NJ

Complaint narrative:
TRANSUNION XXXX  Chapter XXXX Bankruptcy Chapter XXXX Bankruptcy Status : Discharged Discharged Date Filed/Reported:XX/XX/2018 XX/XX/2018 Reference # : XXXX XXXX Closing Date : XX/XX/2018 XX/XX/2018 Asset Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT NJ XXXX Liability : {$0.00} {$0.00} Exempt Amount : {$0.00} There is inconsistent reporting of # reference number and court. XXXX  had removed this discharged bankruptcy. Per Metro 2 5 points of Compliance " if an account is modified or deleted, carbon copies are sent to each credit reporting agency with whom the data furnisher has a reporting relationship. Courts are not a data furnisher. XXXX  is to CC the other two bureaus to remove or update and nothing has happened. It has been a Year of disputes.

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