vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Conn's, Inc.
State: TX

Complaint narrative:
I'm filing a complaint against Conn Credit Corp. After reaching out on numerous occasions to resolve this dispute my letters were returned. In XX/XX/XXXX I rented a washer and dryer from the company and continued to make monthly payments until the account was paid off. Conn continues to report negatively late payments in XXXX and XXXX. I contacted them XXXX  months ago to request they stop sending me advertisements or flyers because I'm not interested in purchasing anything else with their company and they have not removed the late payments from my XXXX Credit Report. My account was open in XXXX and the last XXXX numbers of my account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I tried to log into my crypto account with Gemini on XX/XX/XXXX but was told my account was frozen. I reached out to Gemini support for assistance and after sending them the requested information that included a picture of me, my ID, that days date and ticket number but havent heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX XXXX XXXX in his response to my previous complaint filed with CFPB stated that my " loan has been placed into the modification review process, with the underwriting process anticipated to commence within the next several days. 

It has been 53 days since my loan has been placed into the modification review process and 1 MONTH since XXXX XXXX XXXX reply stating my modification will be completed " WITHIN THE NEXT SEVERAL DAYS ''. So far nothing has happened - No loan modification approval documents have been posted on my account and no one has called me letting me know Ive been approved. 

On XX/XX/XXXX I emailed XXXX XXXX asking for an update on my loan. He replied on XX/XX/XXXX stating that there has been a delay for an unknown reason and will provide an update in the next few days. 

Its been 10 days since his last email email. I have sent 2 follow up email since and have yet to hear from him. I have no update and no knowledge of what in the world is going on. So here I am again, resubmitting a complaint that was never resolved in the first place and falsely closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, Thursday, money amount XXXX US dollars was sent through XXXX XXXX  online transfer ( chase ) on the XXXX account ( XXXX ID : XXXX, Name : XXXX XXXX  ). After sending, while send money was pending, my online bank account blocked. I called the chase bank customer and the contact information on the back of my debit card several times. After calling of several times, they finally picked it up at the end of the day. They asked few questions for personal detail so they can unlock the account. They did unlock the account but were unable to cancel the transaction since the money was already gone. I requested them to cancel the transaction but they denied it instead refer me to call XXXX customer service. I called the XXXX  customer service but refused to help, telling me the XXXX transfer was from my chase account. I was running back and forth between chase and XXXX but neither of them helped me at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have communicated with the 3 major credit bureaus in regards to an account with Capital One NA ( that does not belong to me ) that is now charged off and impacting my credit. I requested to have proof of my signature from the credit bureaus of which they could not provide and the account remains. This account is now charged of to a collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ ( XXXX ) XXXX XXXX Amount : {$650.00} Account Number : XXXX : XXXX This company has been attempting to collect a debt that does not belong to me nor are they able to provide viable proof that this account with Capital One belongs to me. 

They have sent me documents that has an address that is not associated with me. The address that they have is not my current address nor have I lived there. I would like CFPB to hold Capital One accountable and XXXX XXXX XXXX XXXX for not legally reporting an account that is not mine. I have communicated with both entities via mail to request that this account is removed. They are not cooperating with the Fair Credit Reporting act to require an actual signature or supporting documents to prove this account belongs to me. 

This collection agency is practicing unlawful methods to obtain money for an invalid debt. 
I would like this account removed at once. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
SPS is trying to put my house in foreclosure again. My bankruptcy case was recently dismissed and I asked SPS for mortgage assistance. First they said I just needed to send a RMA despite their website saying I need other forms. Then they said that they received all the documents they needed before I even sent the RMA. I dont think SPS is trying to help me with my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On Tuesday, XXXX XXXX, American Express mistakenly took ~ {$3700.00} from my checking account, overdrawing my account, via an Autopay feature which was set for payment of my full balance, not my minimum payment as I had intended. I called American Express to inform them of the issue and was told I should call my bank to have them reject the payment. I made my intent clear to pay the minimum amount when my payment due date arrived. Long story short, it took one full business day for the rejection to appear on my account, leaving me unable to access money for that day. 

On Friday, XXXX XXXX, American Express again took the same amount from my Checking account. I called my bank immediately to have them reject the payment, but again, this " Autopay '' overdrew my checking account after it had already been rejected for insufficient funds AND after being on the phone with Amex representatives three days ago making my situation very clear. It is Friday, and I am now entering one of the few weekends left before the holiday with a negative balance on my checking account and no ability to spend money. 

Through this nightmare, American Express either refused or was unable to provide a way to stop this " Autopay '' from taking a massive money from my account a second time, and when I asked if they were suggesting this will happen again next week, they said they had no choice but to " let it happen and tell [ my ] bank to reject it. '' Meanwhile, Amex will have charged THREE repayment fees to my American Express card. 

Is this XXXX? It feels like it!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV is commiting fraud and asking myself to commit fraud. 
Inability to pay According to -- -- -- >>>>> Whereas Article 1 section 8 Clause 1 dictates that, Congress shall ... Pay the Debts ; and, Whereas Article I, Section 8, Clause 5 grants, Congress shall have Powerto coin Money, regulate the Value thereof... and Section 10 sates, no stateshall make any Thing but gold and silver Coin a Tender in Payment of Debts. ; and, Whereas in the United States, legal tender is statutorily defined as all coins and currency issued by the United States Treasury or the Federal Reserve System, including fiat money coins and notes but this definition exceeds Congresss power under the Constitution ; and Whereas existing legal tender law ( 31 U.S.C. 5103 ), first passed in 1862, declares Federal Reserve Notes to be legal tender but, such notes are not legal tender in the constitutional sense, because they are fiat money and bills of credit ( no longer backed by gold since 1933 ), which the Constitution forbids ( Article 1 Section 10 ) ; and, Whereas according to the statutes and rules that govern the Federal Reserve System, bills and other certificates of indebtedness are obligation of the United States ( 18 USC 8 ) and as a non-citizen, non-resident, non-federal reserve agent, non-federal reserve bank Affirmant is not authorized to pay using the Federal Reserve System ( 12 USC 411 ).

Conclusion : The Affirmant, as one of the real men with arms and legs on this land called America, is a collateral creditor ( 15 USC 1692a ( 4 ) ) of the full faith and credit of the United States ( 12 USC 1825 ( d ) ). As such creditor Affirmant is not liable for any obligation of the United States. 

QUESTIONS RAISED TO " CREDITOR '' : XXXX ) Who is required to pay debts? 
2 ) What species LVNV requiring as payment?

3 ) What legislative authority gave LVNV the legal ability to determine the said payment? 

I, XXXX XXXX, living private woman heredo by certify this statement to be true under penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
I was on a 6-month payment plan ( I was unemployed due to COVID ) with Prosper starting in XX/XX/XXXX for $ XXXX and utilized the autopay feature ; and assumed my last {$200.00} payment would be XX/XX/XXXX21. However, when I received a payment confirmation on XX/XX/XXXX21, it stated that the payment would be for {$740.00}. I immediately called Prosper on XXXX/XXXX/21 and stated I thought my payment would be for {$200.00} and my checking account would be overdrawn with the {$740.00} payment. The Customer Service Representative stated she would request a refund and stated my payment should be for {$200.00} for the XX/XX/XXXX payment, then revert to a higher payment. She told me to wait for a few days to receive an email and refund, which I did not receive. I called Prosper on XXXX and spoke with a Customer Service Representative named XXXX XXXX XXXX was very polite and understanding and helpful and told me over and over that my payment of {$740.00} would definitely be returned, especially since my checking account is over {$900.00} overdrawn. He promised me the payment would be returned in a few days and someone from Prosper would call me to work out the details. Again I heard nothing until XXXX when I received an email from Prosper stating they would not be returning my payment. Now my checking account is overdrawn by {$1000.00}!! I called on XXXX and asked to speak to a manager, who was nice and understanding but stated there was nothing they could do and that I was told misinformation from the previous representatives. The manager stated it was Prosper 's fault but could not return my payment or offer to pay the overdraft fees due to the misinformation. All he could do was turn off the auto pay feature on the 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 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. I have the right to dispute incomplete or inaccurate information that is reporting on my consumer file. In the attached exhibits you can see the inaccurate and incomplete information that Experian has been reporting on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
There is a pay pal credit card on my account saying Im an authorized user. Id like this removed from my account. I didnt sign anything or ask to be put on as an authorized user at any time with anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 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: MO

Complaint narrative:
There is a XXXX XXXX credit card on my account saying Im an authorized user. Id like this removed from my account. I didnt sign anything or ask to be put on as an authorized user at any time with anyone.

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 2021-12-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
XX/XX/XXXX I received a letter from Debt Recovery Solutions stating that I owe them {$350.00} for a XXXX XXXX payday loan that was paid XX/XX/XXXX. Myself and my relatives have been receiving phone calls threatening lawsuits and letters from multiple companies regarding this debt and despite paying it, I keep getting letters and phone calls. The letter from DRS offered a settlement so I called and paid the {$280.00} hoping that paying a second time would stop the phone calls. Shortly after paying these people a company named XXXX XXXX XXXX calls and says they are filing a civil complaint against me regarding this XXXX XXXX payday loan. I called XXXX XXXX who stated that the debt was sold to XXXX XXXX. I filed a XXXX  and CFPB complaint against XXXX XXXX because I contacted them XX/XX/XXXX about the same issue and I received an email from XXXX XXXX stating that my account was closed and I would not receive anymore calls regarding XXXX XXXX. XXXX XXXX responded with the following, MESSAGE FROM BUSINESS : RE : XXXX XXXX Please be advised that your account status has been updated to settled in full, it no longer carries an outstanding balance and is now permanently closed. All necessary parties have been notified of the issue and will cease all/any further attempts to contact you regarding the account. 

The error was caused due to a technical issue during a data upload but has been fully addressed to correct the status of the account. 

We apologize for the inconvenience caused by account error. 

If you wish to discuss the status of your account or want further detail or elaboration, one of our team members will reach out to you at your convenience. 

On XX/XX/XXXX, DRS refunds XXXX to my checking account thats associated with the debit card I paid them with, and on XX/XX/XXXX posts a collection account on my credit report for XXXX XXXX. I want it removed and I want to know why it was placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX is commiting fraud and asking myself to commit fraud. 
Inability to pay According to -- -- -- >>>>> Whereas Article 1 section 8 Clause 1 dictates that, Congress shall ... Pay the Debts ; and, Whereas Article I, Section 8, Clause 5 grants, Congress shall have Powerto coin Money, regulate the Value thereof... and Section 10 sates, no stateshall make any Thing but gold and silver Coin a Tender in Payment of Debts. ; and, Whereas in the United States, legal tender is statutorily defined as all coins and currency issued by the United States Treasury or the Federal Reserve System, including fiat money coins and notes but this definition exceeds Congresss power under the Constitution ; and Whereas existing legal tender law ( 31 U.S.C. 5103 ), first passed in 1862, declares Federal Reserve Notes to be legal tender but, such notes are not legal tender in the constitutional sense, because they are fiat money and bills of credit ( no longer backed by gold since 1933 ), which the Constitution forbids ( Article 1 Section 10 ) ; and, Whereas according to the statutes and rules that govern the Federal Reserve System, bills and other certificates of indebtedness are obligation of the United States ( 18 USC 8 ) and as a non-citizen, non-resident, non-federal reserve agent, non-federal reserve bank Affirmant is not authorized to pay using the Federal Reserve System ( 12 USC 411 ). 
Conclusion : The Affirmant, as one of the real men with arms and legs on this land called America, is a collateral creditor ( 15 USC 1692a ( 4 ) ) of the full faith and credit of the United States ( 12 USC 1825 ( d ) ). As such creditor Affirmant is not liable for any obligation of the United States.

QUESTIONS RAISED TO " CREDITOR '' : 1 ) Who is required to pay debts? 
XXXX ) What species XXXX requiring as payment? 
XXXX ) What legislative authority gave XXXX the legal ability to determine the said payment? 

I, XXXX XXXX, living private woman heredo by certify this statement to be true under penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good Day- I am writing this letter in reference to XXXX XXXX. This account does not belong to me. This is fraud. XXXX removed this account from me due to the fraud /Enhanced recovery purchased this debt while XXXX was very aware that this was indeed fraud. Please remove from my credit report and send me a letter to indicate that it has been removed and my credit report has been reflected that it has been removed. I am tired of having to contact you over and over when you are aware of the fraud.

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 2021-12-11 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: TN

Complaint narrative:
In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: TN

Complaint narrative:
In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurates

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 2021-12-11 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Summary of the case : I am the owner of an account with a credit line with Synchrony Bank/ PayPal Credit XXXX 
On XX/XX/2021 I paid {$1000.00} to a XXXX manufacturer ( Manufacturer ) with my Synchrony Bank/PayPal Credit ( Synchrony ) to make silver jewelry for my small business. 

The manufactured jewelry was defective, and Manufacturer and I agreed to return the merchandize for repairs. Manufacturer has been in receipt of the returned jewelry since XX/XX/2021 and although he committed to a 2 weeks repairs deadline, he has been constantly delaying the repairs. 

On XX/XX/2021 Manufacturer mailed a package, 3 days after I have already opened a claim with Synchrony & informed him that I no longer wanted the merchandize & and that I would refuse any merchandize sent my way. 

On XX/XX/2021 Synchrony issued me a credit for {$1000.00}. 
On XX/XX/2021, Synchrony reapplied the charge of {$1000.00} to my account. 

As of XX/XX/2021 all updates from the XXXX tracking website shows Receiver refused delivery. XXXX will contact the sender for further instructions. 

I have unsuccessfully tried getting in touch with Synchrony to speak with the Dispute Department to explain the complexities of the case and to inquire as to why they reapplied the charge when the XXXX tracking number clearly shows that I am not in possession of the merchandize. 

As of today, XX/XX/2021, I have not received no meaningful explanation as to the reapplied charge from Synchrony when all the submitted evidence shows that I am NOT in possession of the merchandize and that I have NOT received the repaired merchandize. 

Attached : 1. XXXX tracking history for package XXXX showing that the package was NOT delivered to me. 
2, Original charge of {$1000.00} made with the Synchrony 3. XXXX  tracking history showing that the Manufacturer received the returned defective merchandize on XX/XX/2021 2021

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 monetary relief