vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX I took out a loan online at Prosper.com. In XX/XX/XXXX I contacted the company via their 800 number. I spoke with a customer service representative because I was experiencing financial hardship and could not make the monthly payment. I was told that I had to call on XX/XX/XXXX when the loan was 30 days past due to request to be put on the hardship program. I was told that as long as I called before XXXX a.m. XXXX my loan would not be reported late. 

I called the 800 number three times on XX/XX/XXXX, and was told that Prosper was experiencing issues with its website which prevented me from being offered a hardship program and that they were not aware when the issue would be resolved. 

During the third call I spoke with a representative whose first name was XXXX. I decided to use the money for my rent to make the payment to avoid a 30 day late payment of my credit report. I made the payment while XXXX was on the phone with me and she confirmed that I was making the payment before XXXX p.m. XXXX and it would not be reported as late event though the system stated the payment would not post until XX/XX/XXXX. 

XXXX stated this was an error as the website was experiencing issues and that she was created a ticket so that her supervisors and others were made aware of the issue. 
XXXX told me to send an email to support@prosper.com to also make them aware of the matter. I received a response from support@prosper.com stating my payment was late and would be reported to the credit bureaus. 

On XX/XX/XXXX, I called the XXXX number again and once again spoke with XXXX. She reviewed the email that I received from support@prosper.com and stated she would escalate the issue to her supervisor because my payment was not late. 

After speaking with XXXX, I again received an email from support@proper.com stating my payment was not received on-time. I am filing a complaint because of the inaccurate credit reporting. 

Prosper states all calls are recorded. Therefore, my calls should be able to be reviewed.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I was in the process with a realtor at looking to purchase a home and a realtor on her end seen my score was being held back by a balance {$160.00} XX/XX/2024. That card was open so time during the pandemic I was sure whether it was myself or if a family or friend used my information. But I will own it and pay it, so I did. Prior to this I had no knowledge at all that they was hitting my credit with a delinquent code each month with without knowledge or consent. I asked the same day after the payment for a letter and derogatory marks to be removed from my credit report in good faith. They only closed the account and never received a letter and kept it to my credit report. I even asked if it could have been emailed and got nothing. 

Company : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed a dispute with Experian about a collection agency that claims they are collecting a debt for me on behalf of XXXX. I asked to collection agency to provide documentation with my signature as proof of debt. To this day the collection has not been able to do this but Experian still agrees with the collection agency and says the debt is valid.

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 2024-05-12 00:00:00
Product: Credit reporting 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:
Soon checking accuracy of credit report notices theses items where on my report they a clear identify theft I was XXXX XXXX at the time!

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 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
So what happened was I was testing out there mobile deposit feature with a old check I had that had previously been cashed by mistake it submitted the check without my making a final say so I was just testing the auto capture feature I never intended on cashing the check with capital one because I had previously cashed it out with a different bank long story short they froze my account because the check bounced back and now I have XXXX $ thats just sitting in the frozen acc and they wont issue me a check or any way I can get my XXXX $ from that bank account please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I entered into a loan agreement with Mariner Financing in XXXX. A short time after an identity theft situation caused me to indirectly default on the loan. This loan is being repaid through a third party I contracted with. 
Mariner Finance listed this loan as closed on my credit report however they listed it as two seperate entries with two seperate account closing dates. The amounts shown are the same, one shows XXXX balance and one indicates a declining balance with payments being made. 
Only one account closure should be listed on my credit report. It is having an unneeded negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX via XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX via XXXX XXXX XXXXXXXX XXXX XXXX {$15000.00} First installment to XXXX XXXX XXXX XXXX with a XXXX XXXX. 

Payment when work commenced. 

Final installment {$7800.00} due upon completion. Contract was signed on XXXX XXXX XXXX, ( XXXX ) came to the job site at XXXXXXXX XXXX. to sign contract. 

I to date do not have a working XXXX XXXX. I have been in contact with XXXX XXXX via emails at least 15 and certified letters to the XXXX XXXX XXXX. And I get email requests to talk on the phone with a XXXX and a XXXX. I want everything in writing and will not discuss via a phone call. 

I was told by XXXX, XXXX my XXXX bill each month would be {$30.00} using the XXXX XXXX I purchased, and my bills are {$150.00} plus every month. XXXX switched my account to XXXX XXXX, on XX/XX/year>. I purchased the XXXX XXXX to ensure power in an outage, I still lose power. I suffer from XXXX from three XXXX XXXX trying to break into my home in XXXX. They threw the outside breaker, thank goodness I was home, and they were caught, leaving the scene and crashed head-on into another vehicle. I was taken to the scene of the accident by XXXX XXXX XXXX XXXX and was able to identify the one that was looking into my living room window. I saw the stolen car they were driving leaving my driveway on that horrible day. 

I pray you are able to help me. Thank you in advance for your time. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
FIRST REPUBLIC BANK ( FRB ) loan # XXXX was maturing during COVID pandemic and refinancing was postponed. 
My mortgage payment however, was doubled from {$6000.00} to over {$12.00}, XXXX at the end of pandemic During FRB collapse and CHASE taking my account was debited without my consent for over {$42.00}, 000 monthly and later over {$22.00}, XXXX a month. My phone calls and e-mails were ignored. In XX/XX/XXXX I was asked to submit application to lower payments. Last ten months I was charged {$280.00}, XXXX In XX/XX/XXXX, a week ago XXXX from the Chase Team called me that loan payments will not be lowered because I will be dead in XXXX, 20 years from now when loan matures This is fraudulent deception and worst discrimination possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This account is settled and closed. I have enclosed the 1099C along with other forms that have to do with the discharge and this needs to reflect and be removed from all three Credit agencies. Not only is the information incorrect from one credit report and agency to the other, I am given each one of these credit agencies 10 days to remove this before I file for a lawsuit for damages again I have enclosed the paperwork that they will need. Thank you XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This account is settled and closed. I have enclosed the 1099C along with other forms that have to do with the discharge and this needs to reflect and be removed from all three Credit agencies. Not only is the information incorrect from one credit report and agency to the other, I am given each one of these credit agencies 10 days to remove this before I file for a lawsuit for damages again I have enclosed the paperwork that they will need. Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/XXXX I took out a loan online at XXXX. In XX/XX/XXXX I contacted the company via their XXXX number. I spoke with a customer service representative because I was experiencing financial hardship and could not make the monthly payment. I was told that I had to call on XX/XX/XXXX when the loan was 30 days past due to request to be put on the hardship program. I was told that as long as I called before XXXX XXXX. PST my loan would not be reported late. 

I called the XXXX number three times on XX/XX/XXXX, and was told that XXXX was experiencing issues with its website which prevented me from being offered a hardship program and that they were not aware when the issue would be resolved. 

During the third call I spoke with a representative whose first name was XXXX. I decided to use the money for my rent to make the payment to avoid a 30 day late payment of my credit report. I made the payment while XXXX was on the phone with me and she confirmed that I was making the payment before XXXX XXXX  PST and it would not be reported as late event though the system stated the payment would not post until XX/XX/XXXX. 

XXXX stated this was an error as the website was experiencing issues and that she was created a ticket so that her supervisors and others were made aware of the issue. 
XXXX told me to send an email to XXXX to also make them aware of the matter. I received a response from XXXX stating my payment was late and would be reported to the credit bureaus. 

On XX/XX/XXXX, I called the XXXX number again and once again spoke with XXXX. She reviewed the email that I received from XXXX and stated she would escalate the issue to her supervisor because my payment was not late. 

After speaking with XXXX, I again received an email from XXXX stating my payment was not received on-time. I am filing a complaint because of the inaccurate credit reporting. 

XXXX  states all calls are recorded. Therefore, my calls should be able to be reviewed.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion does not allow me to check if there is a security freeze in place for my account. Their website has been displaying " Sorry, we're having trouble showing the status of your credit freeze right now '' for the past 2 years. I also have no way to lift the freeze from their website due to this error. 

Their support hours to check the status discriminates against pacific time folks. We should be able to lift the freeze on weekend evenings. 

I've asked customer service about this 10 months ago, but they were not able to tell me when the issue will be fixed.

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 2024-05-12 00:00:00
Product: Credit reporting 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:
Soon checking accuracy of credit report notices theses items where on my report they a clear identify theft I was XXXX XXXX at the time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting 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:
Soon checking accuracy of credit report notices theses items where on my report they a clear identify theft I was XXXX XXXX at the time!

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 2024-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account should not be reporting on my consumer report as I am a victim of identity theft I have never had an account with this company and do not owe this debt. 
This account should not be furnished on my consumer report as they are in violation!!! 
Per U.S code 1681 b permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a PROTECTED consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY. 

XXXX XXXX XXXX XXXX Account XXXX 15U.S code 1681 c ( 2 ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted in an alleged identity theft not later than 4 business days after the date of receipt. 
PLEASE DELETE 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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I entered into a loan agreement with XXXX XXXX in XXXX A short time after an identity theft situation caused me to indirectly default on the loan. This loan is being repaid through a third party I contracted with. 
XXXX XXXX listed this loan as closed on my credit report however they listed it as two seperate entries with two seperate account closing dates. The amounts shown are the same, one shows XXXX balance and one indicates a declining balance with payments being made. 
Only one account closure should be listed on my credit report. It is having an unneeded negative impact on my credit.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My mortgage company XXXX XXXX improperly reported late payment. They reported late payment for XXXX, As you can see on my statement, payment for XX/XX/XXXX bounced on XX/XX/XXXX as I was charged the fee of {$25.00}. 
Then you can see I made 2 payments on the XXXX and XXXX. 

I disputed with Experian and they did not remove it.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( AMERICAN HONDA FINANCE ) has violated my rights.Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Since XXXX of XX/XX/2024, Synchrony bank has been giving me the runaround with giving me access to my account that I opened up with them on this date. This is the forth time trying to get online access. The first problem, the XXXX  time I tried to get into the the account, the number I gave them was not on their system, so I couldn't use the phone number. Second, when I gave them on a landline or VIOP line number they said their system don't work with my home phone. Thirdly when I get my cell phone out the shop they want to access or verify me as a client using my cell phone, to take a picture of myself plus scan ID card or driver 's license ( Note this is a process I have never done before ) it time out and the person hung up in my face. Every time I ask them to allow me to have on line access to my account they run me through a process I have never bought done before for it to time out and falsely state that they will send something through the mail. Now on today XXXX XX/XX/2024 they are sending me a letter like they ran my credit, a rejection letter, for a XXXX I open and I have money in after taking my money.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, oth
er than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
The U.S. Dept of Education is sharing my private information. I have requested they stop sharing and have also attempted to opt out to no avail. Per the FERPA, 34 CFR Part 99 ( The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31. ) Nor Does the furnisher of information meet any of the without written consent requirements needed to share as stated in 34 CFR 99.31. Please see 20USC1232 Gas well Nor have i been notified per 34 CFR Part 99.7a1 I have sent multiple letters and it is still on my credit report.

Company response to consumer: Closed with explanation