vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prosper Marketplace, Inc.
State: VA

Complaint narrative:
This is my 2nd filing on Prosper. They continue to call my work phone and now have started calling my cell phone from phone number XXXX. I didnt give them permission to call my cell number. They had been told several times not to call my work. I would like to file an FDCPA complaint for harassment. I have screen shots and my phone for proof that they are still calling. I can provide all this evidence. They have called at least 7 times since last wednesday. I would like to file an FDCPA complaint!!!!!!!!!!!

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 2020-03-26 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:
I believe I have been a victim of identity theft. There are several credit accounts that are reporting which I have never done business with, inquired with, or had access to. They are showing as XXXX, XXXX, XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2020-03-26 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: FL

Complaint narrative:
This is a complaint against the credit agency Experian, directed to the department of special affairs, today, XX/XX/XXXX, XXXX XXXX, being on a call with this department and the agent who answered the call had a disrespectful, rude and used sarcastic words to mock me, I tried to tell her why she had that attitude towards me, and in a rude way she told me that I didn't have to tell her what she should do and that I was very aware of how things are done in her work, she went under threats with me. She told me that this account that you are disputing will never be eliminated until we and the credit agency decide, once she said that I decided to make this complaint because I feel that my identity and my credit is compromised with that agent and that department. The most threatening thing she told me was " we have to treat certain clients rudely, special clients like yourself. '' Never in my life has a credit agency mistreated me, I feel stressed, worried about this incident, in case the credit makes me nervous, this department treats me this way. I just ask that this conversation that I suppose has been recorded is supervised and that they take action on the matter, because I can also take legal action against Experian for damages. Whatever the situation, she did not have to speak to me in that tone and in that way, so disrespectful.

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 2020-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
( ARS ) account resolution svs is not licensed to collect debt in the state of Florida

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 2020-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: SC

Complaint narrative:
This company put several collections on my credit report and I was able to dispute them and have them removed however a few months later two more accounts pop up and I have not been to any hospital or doctors office in years and the last time I did was in 2010 and everything was under workers comp

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 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: FL

Complaint narrative:
I believe I have been a victim of identity theft. There are several credit accounts that are reporting which I have never done business with, inquired with, or had access to. They are showing as XXXX, XXXX, XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2020-03-26 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: FL

Complaint narrative:
I believe I have been a victim of identity theft. There are several credit accounts that are reporting which I have never done business with, inquired with, or had access to. They are showing as XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a chase bank I had applied for 2 things. I did not do anything with anything with Chase Bank. I never signed anything. Have No idea what they are talking about. 

They are giving me hard inquires on XX/XX/XXXX and XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 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: CA

Complaint narrative:
In the beginning of XXXX between XXXX and XXXX, I sent payment to my Walmart Mastercard using XXXX bill pay. Then when I received a notification that my payment was late I checked my account and noticed my payment went into an old store credit card for Walmart Stores use only. I did not owe anything on that the Walmart store card. I called the credit card services to fix the payment and asked why it was processed that way, and they let me know it was a glitch and they would adjust it. I received a statement from them with the comments that it was adjusted, however, they still charged me a XXXX dollar late fee. Again, the following months when I would pay my Walmart mastercard, the payment would keep going to the old Walmart credit card. The representatives said they would said a letter to the credit bureau and let them know that it was an error and it would not affect my credit. Months later it continued to happen and I started getting collection calls in XXXX. I asked the company for the statements that would proved to me that I swiped a Walmart store card and the date I " spent '' the {$200.00} dollars they claim I owed them and I would pay it with no hesitation. What I got from the company was that the they could not get me the statements. When I tried to log into my account to retrieve them, the statements had to be requested via email so they were no longer available online. I kept explaining to them that this is fraud and that I do not have a Walmart store card, that I only have a Walmart mastercard which I always pay on time. They told me they would look into it, but i kept getting different collectors calling me about paying this amount. This is fraud and I would like for it to be investigated. I do not owe XXXX/WALMART any amount of money. My account is with Walmart Mastercard. No where on the statements I was able to locate did it show that I used the card for a purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Todd, Bremer & Lawson, Inc.
State: MI

Complaint narrative:
Todd, Bremer & Lawson ( TBL ), a debt collection agency in XXXX XXXX, South Carolina, is being neglectful of consumer 's rights, has used deceptive means for collection and is being completely dishonest. TBL initially deceptively contacted me via phone using various non-searchable/ verifiable phone numbers. I answered a incoming call from a local phone number, not expecting a company from a different state. Agent began the process of attempting to collect an alleged debt. I requested debt validation and further information. Company failed to provide validation and continued to report the debt to the major credit bureaus. After 30 days, I filed a civil suit against TBL for FDCPA & FCRA violations. Company then fraudulently reported to the credit bureaus that the debt was paid off. This company denies reporting or attempting to collect. This company has an expired license and therefore they are attempting to collect without a valid license to do so in the state of Michigan. TBL claims to be hired by, and collecting on behalf of XXXX University ( XXXX ) in which XXXX is also responsible for TBLs collection practices. TBL claims to have received a promissory note from XXXX, alleging to be an agreement to a Federal Perkins Loan. I do not recall ever applying for, accepting or signing anything related to a Perkins Loan. This alleged loan was taken out in XXXX and I have never received any information regarding this account until a debt collection agency contacted me in XXXX. The promissory note had inaccurate information typed into the spaces ( such as current address, references, employment, etc ) alleging it to be my response and personal information. The promissory note then appears to have a hand written alleged signature on the document. These companies are attempting to collect twice the amount of an alleged debt that is not mine, it appears they have falsified documents and refuse to provide proper validation. I have also received attempts to collect this same alleged debt from other companies however, when asked for validation the debt is quickly sold or transferred to a new agency for collections. I have attempted to contact the alleged lender for this debt and the company no longer exists. Even through means of litigation, TBL is not being cooperative in trying to resolve this matter, they do not want to be held liable for their actions and they are not following the rules and regulations regarding collection practices or consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: PA

Complaint narrative:
I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a company XXXX XXXX who I am not aware who they are. I did not do anything with any of my cars with them. They are giving me hard inquires on XX/XX/XXXX and XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a capital one I had made a hard pull with on XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me. I do have an account with capital one but this situation is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing to request your help with Barclays. I dont know what else to do. So I hope to have a fair solution to this issue that this bank has cause on my credit score. I tried to solve this with them on XX/XX/XXXX but they did not respond my dispute, and they did not even investigate the account or mark the account as disputer ( violation under the Fair Credit Reporting Act ). 

The account I am writing about is the following : FTC REPORT NUMBER : XXXX. 
Account : XXXX Date opened : XX/XX/XXXX. Status Closed.  {$0.00} balance. 

I am demanding BARCLAYS BANK DELAWARE to remove this related to fraud item or I will need to take this issue to court. 
This is causing me economic and psychological issues. Please send to Barclays the attached documents. Thank you so much!

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 2020-03-26 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:
I have been a victim of identity theft and someone stole my information to get credit. My credit is taking huge hit because of this I need professional help to get it back to what it was. I am asking for your help so you can investigate and see it was not me and get the credit bureaus to help as well.

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 2020-03-26 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: FL

Complaint narrative:
I have been a victim of identity theft and someone stole my information to get credit. My credit is taking huge hit because of this I need professional help to get it back to what it was. I am asking for your help so you can investigate and see it was not me and get the credit bureaus to help as well.

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 2020-03-26 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: FL

Complaint narrative:
I have been a victim of identity theft and someone stole my information to get credit. My credit is taking huge hit because of this I need professional help to get it back to what it was. I am asking for your help so you can investigate and see it was not me and get the credit bureaus to help as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: PA

Complaint narrative:
I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a XXXX  XXXX I had made a hard pull with on XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me. I do have an account with XXXX  XXXX but this situation is 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 explanation
Consumer complaint received 2020-03-26 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: PA

Complaint narrative:
I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a XXXX  XXXX I had made a hard pull with on XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me. I do have an account with XXXX  XXXX but this situation is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: PA

Complaint narrative:
I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a XXXX  XXXX  I had applied for 2 things. I did not do anything with anything with XXXX XXXX. I never signed anything. Have No idea what they are talking about. 

They are giving me hard inquires on XX/XX/XXXX and XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by 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 2020-03-26 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: PA

Complaint narrative:
I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a XXXX XXXX  I had applied for 2 things. I did not do anything with anything with XXXX XXXX. I never signed anything. Have No idea what they are talking about. 

They are giving me hard inquires on XX/XX/XXXX and XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp
State: NC

Complaint narrative:
Home Update Loan taken out with Lending Club in XX/XX/XXXX, monthly payments auto-deducted from bank account on XXXX of each month until paid in full on XX/XX/XXXX with proceeds from sale of home - made final payment by phone thru company representative. 

Upon receiving a payment on XX/XX/XXXX, I immediately responded by email to bring the error to their attention and provided my contact information should they require more information. I've made multiple attempts to connect with them by phone and sent several emails explaining the situation, only one of which received a viable response - in response to my XX/XX/XXXX email, I received an email stating they were reviewing the situation and would respond in 3-5 business days ; there's been no follow-up response to this. 

Today XX/XX/XXXX, I received a credit monitor alert that Lending Club has reported my account delinquent. 

My complaint is that this company has terrible customer service and is unnecessarily challenging to communicate with. 

Attempts to contact : XX/XX/XXXX : attempted to contact by phone 2x, was disconnected each time. 
XX/XX/XXXX : attempted to contact by phone, waited on hold for 135-minutes only to be disconnected. 
emails received : Payment Reminders XX/XX/XXXX, XXXX, XX/XX/XXXX ; Payment Solicitations XX/XX/XXXX, XX/XX/XXXX, XXXX ; Loan being reviewed XX/XX/XXXX ; and, auto-responses to each email sent. 
emails sent : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: TN

Complaint narrative:
Man showed up in plain clothing to my home waited for me to pull in my drive way dropped paper work off from Lloyd and McDaniel did not give his name. Took pictures of my home and my children without my permission. I called the company and have not received a phone call back. The man gave me paperwork stating that I had a court date and that they would pass a judgement on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unverified and unauthorized accounts and inquiries appear on my credit 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 2020-03-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I just applied for a refi for my house and I got rejected because they said I have a 30 late payment on my mortgage. I was on a Forbearance Plan with XXXX from XX/XX/2019 to XX/XX/2019 because the President XXXX   the XXXX   without pay. XXXX XXXX XXXX XXXX took over the loan on or around XXXX and started a Loss Mitigation Home Modification process. I was making monthly payments and catch up payments while they considered the modification. I just talk to a rep at XXXX and she pulled my account and said there were no missed payments and it should be corrected on there end after XX/XX/XXXX. She put notes on my account and admitted my paperwork from XXXX didn't get transfer over correctly to XXXX. I was not late on XX/XX/2019.

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