vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
As of XX/XX/21 I was contacted by an agent that states his name was XXXX XXXX working for Prosper Loans and that I was approved for the loan amount of {$3000.00}. He provided a contact number of XXXX and stated that the repayment would be {$170.00} for 18 month term starting in XXXX. I stated that would be affordable to me. He then Proceeded to say because my credit score was not in good standing that I would have to pay the origination fee of {$220.00} via XXXX Gift Card. I go and buy the card and send the picture Gia text with the scratched code from the opposite side so he could redeem the amount for the loan. Afterwards he says I have to pay another {$200.00} because the card did not accept it because I went over the gift card limit. Then he stated that he could release the funds into my account within 10 minutes but I needed a PPI code. Im like what is that, he was like its mandatory to have this for the loan protection from the borrower in case you get hurt or lose your job. Okay that was another {$370.00} in XXXX  card. After all these accidental government hold fees, loan filing fees, bank to bank fee, state tax, I ended up sending them {$2800.00} in eBay gift cards. They say they are unable to cancel the loan request and refund me my money because they dont work like that the loan amount would need to be sent XXXX to get it without a hold which was another {$500.00}. Then I speak with another rep by the name of XXXX XXXX who says he is in the lending department and is unable to cancel the loan. Then I speak with XXXX XXXX and he also says that he is unable to cancel the loan and refund me but he can send the funds via fed ex in a check form but I would need to pay the courier fee of {$350.00} which at this point I didnt have because he used all my funds I had in my account promising me the loan would get debited once all the fees were satisfied. I still have not received the funds after being on the line with them over 8 hrs on XX/XX/21 & XX/XX/21. He then text me multiple times trying to convince me paying {$350.00} more will guarantee my funds by the morning of XX/XX/21.

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 2021-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
Hello, On XXXX of XXXX i Contacted Allied collection to ask for more information on a suppose debit collection that put on my credit, I spoke to there representative and i was requesting my original contract with my signature, Due that question the representative started to get aggressive and other words declining my request after few minutes of back and forth he finally agreed to send over the contract which he disclosed it would take 24 hours, Its been several of days and nothing. ive tried several times to work with this company but they seem to not send over my original contract that supposedly signed 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 2021-04-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Scheduled monthly credit card payment at XXXX XXXX CST for XX/XX/XXXX. Chase added Mortgage payment to credit card online statement but instructions very unclear. In fact instruction was lengthy questionnaire for mortgage payment ca. {$840.00} due XX/XX/XXXX on refinancing of previous mortgage with XXXX XXXX  since XXXX. Switched to Chase upon receipt of unsolicited refinance offer received in XX/XX/XXXXbig mistake. 
Closed on Chase mortgage loan XXXX and told initial monthly payment due XX/XX/XXXX. When we closed in XXXX or months earlier we told closing officer for Chase to debit our XXXX XXXX  account for monthly mortgage payment of {$840.00} beginning XX/XX/XXXX. 
Instead our XXXX credit card online statement added Mortgage payment due XX/XX/XXXX. But Chase instruction XX/XX/XXXX very unclear. Told us to go to Accounts and access external? and when we did there was no external accounts to access. Plus access denied both username + password on second attempt. Waited till end of day and still denied access to Chase on-line. Might add same thing happened with CFPB as asked to sign-in and received similar response : username and password denied. We are in our XXXX and this is hard on us. Hope you can help us. XXXX XXXX XXXX XXXX, XXXX XXXX AR

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Notice to all and everybody, I Am that I am, the consumer I fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the XXXX, XXXX. IT's ME XXXX XXXX THE REAL ONE AND ONLy. I included my social security card, which I'm the only one who would have access to that form of credit card so that you know it is the real me and so that you don't falsely accuse me of having an unauthorized party send this in on my behalf.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. Failure to respond satisfactorily with deletion of the above referenced account will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Violations of 15 U.S.C 1692g 3. ) Negligent Enablement of Identity Fraud 4. ) FDCPA 807 False misleading information 5. ) FDCPA 809 validation of debt 6. ) FDCPA 8012 furnishing deceptive forms 7. ) 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy 8. ) 15 USC 1692g Validation of debt 9. ) 15 USC 1681n defines Civil liability for willful noncompliance 10. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports I demand that the following accounts be verified and updated to payed as agreed or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Notice to all and everybody, I Am that I am, the consumer I fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the XXXX, XXXX. IT's ME XXXX XXXX THE REAL ONE AND ONLy. I included my social security card, which I'm the only one who would have access to that form of credit card so that you know it is the real me and so that you don't falsely accuse me of having an unauthorized party send this in on my behalf.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. Failure to respond satisfactorily with deletion of the above referenced account will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Violations of 15 U.S.C 1692g 3. ) Negligent Enablement of Identity Fraud 4. ) FDCPA 807 False misleading information 5. ) FDCPA 809 validation of debt 6. ) FDCPA 8012 furnishing deceptive forms 7. ) 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy 8. ) 15 USC 1692g Validation of debt 9. ) 15 USC 1681n defines Civil liability for willful noncompliance 10. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports I demand that the following accounts be verified and updated to payed as agreed or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
I opened a Jared account in XXXX, one purchase was made but no payments were ever made. The account was closed and charged off. It was then sold to XXXX XXXX XXXX XX/XX/XXXX. I have attempted to contact Jared and/or Sterling Jewelers via mail and phone through all identification available on credit reports and have received no contact back by mail and when I speak to someone on the phone they either can not pull my account up or are unable to give information and direct me to their mailing address. When I contacted XXXX XXXX  they responded that they had returned the debt back to the original creditor and any complaints should be handled directly with Jared. There is incorrect information being reported and then validated with the credit bureaus and I want the report removed as it has now reached beyond the seven year window to be reported. I have disputed multiple times and this company continues to validate that the information is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 7 accounts showing up on my credit report that do not belong to me I have been disputing these since XXXX of 2020 I have just opened up an ftc regarding identity theft these accounts in no shape and form belong to me and the bureaus are clearly notdoing anything about it they are just reporting false information. I am getting tired of this!!! 

Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : 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 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
As of XX/XX/21. I have no mortgage credit score per XXXX XXXX. XXXX. Reports no score. Called over and over says its ok. But never is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: WA

Complaint narrative:
I sent certified letters to XXXX, Equifax and XXXX  post marked XX/XX/2021 and received return receipt on XX/XX/2021 regarding the validity of 4 accounts on my credit report XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have not received a response from any of the credit reporting agencies, these items should be removed immediately Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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 7 accounts showing up on my credit report that do not belong to me I have been disputing these since XXXX of XXXX I have just opened up an ftc regarding identity theft these accounts in no shape and form belong to me and the bureaus are clearly notdoing anything about it they are just reporting false information. I am getting tired of this!!! 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : 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 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have 7 accounts showing up on my credit report that do not belong to me I have been disputing these since XXXX of XXXX  I have just opened up an ftc regarding identity theft these accounts in no shape and form belong to me and the bureaus are clearly notdoing anything about it they are just reporting false information. I am getting tired of this!!! 

Account Name XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover is recording a late payment from XX/XX/2019 on my account ending in XXXX. Ive called multiple times regarding this late payment appearing on my credit report to have it removed because its inaccurate & erroneous. They first told me it would be removed, then they told me it wouldnt be. I asked for an investigation regarding a phone call I had with one of their representatives who assured me that it wouldnt be recorded because of a discover error locking my username. However it has been recorded on my report for several years. Ive been reassured that it would be removed several times. It has not. Recently I spoke with them and they said its verified and theres nothing thats reporting inaccurately. They refuse an investigation into the phone call because they dont keep recordings over 12 months. So they refuse to prove that it was their error & refuse to rectify my credit report due to their mistake. Ive asked multiple times for an investigation, they have not provided any paperwork regarding an investigation. Ive pushed them on the phone to get something more definitive but they constantly hang up. It has been more than 45 days since Ive received anything written.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPENT THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2021, I mailed XXXX XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-04-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have tried to contact Nationstar Mortgage, LLC many times in regards to the assignment of mortgage and wrongful foreclosure action. I attempted to contact Nationstar Mortgage via an error requestt letter sent certified mail on XX/XX/2021. Nationstar Mortgage, LLC has not responded as of XX/XX/2021. I am once again attempting to contact Nationstar Mortgage, LLC via an administrative procedures Act letter dated XX/XX/2021 in an attempt to allow Nationstar Mortgage, LLC to resolve issues in regards to the information and facts contained within the administrative procedures act without further litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
The following account is not mine from Portfolio Associates LLC.XXXX I never signed an agreement with this company. I've ask the company to provide me with documents and any contract with my signature and also send me a license to collect this debt. They could not provide me with the information. I notice on the bottom of the letter it states '' The communication is from debt collector, but not an attempt to collect a debt '' Accounts Number XXXX {$1000.00}, XXXX XXXX XXXXPortfolio Associates LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - Nationstar DPA Mr Cooper - auto drafted our bank account 7 mortgage payments total of {$9900.00} causing our bank account to go in the negative over {$8000.00}. I spoke with customer service at Mr Cooper and they were little help as the rep could not explain what happened. I did also speak with my bank and filed with the bank these were unauthorized payment withdrawals. We are not set up on auto draft from our bank account nor would we ever allow 7 payments at one time to be drafted on our mortgage loan. 
Mr Cooper has since reversed the payments on XX/XX/XXXX. However - we were unable to access our bank account for 3 days due to being in overdraft. 
I am filing complaint to stop this from happening again to myself or someone else. A mortgage company should never be allowed to deduct payments from a bank account not authorized by a consumer. Glitch or no Glitch this is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
XXXX was my previous complain where i cleared mentioned that my negative payment was reported to credit agency and i never talk about consumer reporting. 

could you please just be specific and clearly send me letter that you have reported all credit beauro to remove late payment mark .. 
in last response you said you did for XXXX only .. so can you please provide me response with all credit reporting agency. 

and also this is my 3rd complain for same thing and i dont get answer just story .. 
please look my previous complain and let me know if you requested to remove from all credit agencies or not?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: LEXISNEXIS
State: UT

Complaint narrative:
XX/XX/2020 I tried to pay my mortgage late. It was denied and XXXX XXXX Loans put me in the COVID CARE ACT refusing to accept XXXX/XXXX payments, marked late on my credit reports, sold the loan to XXXX XXXX  as a refinance raising my monthly mortgage payments, sold to HUD with a Partial Deed of Trust. I have had my credit repair company work with me in sending XXXX XXXX XXXX monthly letters for six months with NO reply or repair on my credit reports. When my home went into contract to sell the property in XXXX the Partial Deed of Trust showed up on the title records to the property with payment to be made in full to the Deed Claim. The refused payments were made to XXXX XXXX in XX/XX/2020 along with the XXXX payment to bring the mortgage current. XXXX also made several attempts to understand the split of the loan and could not get communication from XXXX. I have mailed letters to the Secretary of State, XXXX XXXX XXXX, and CFPB by certified mail and am still waiting for a report on financial facts proving my statement as NOT owing the Partial Deed of Trust. I am nor was in Bankruptcy. I am nor was in Short Sale. I am nor was in Foreclosure. WHAT I AM is Homeless with cash to buy my next property and can not get a loan due to the false reporting of XXXX XXXX loans on my credit reports!

Company response to consumer: Closed with explanation