vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Prosper Marketplace, Inc.
State: OR

Complaint narrative:
Hi, I could not fine a correct category for this complaint, it 's an odd  XXXX .     I use the  XXXX  lending servic e Prosper ( prosper.com ), I am a lender. Today I received the following notice : " Important Account Update It recently came to our attention that the annualize d net return numbers displayed on your account overview page were inaccurate due to a system error. This error only affected the Annualized Net Return and Seasoned Annualized Net Return numbers and has now been fixed.     This error did not impact any other part of your account, including payments, deposits, monthly statements, tax documents, and note and loan level information - including estimated returns. '' Essentially Prosper has for years stated my returns were around 9 %, however this looks to be an error and my returns are now displayed at around 5 %. This is just the displayed return not the actual money earned but I made investment decisions based on this number. Just like a normal mutual fund, the % return is the most important metric and for years it looks like it was incorrect, and much higher than reality.     Does not sound good to me and it feels serious enough that I wanted to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Maury Cobb, Attorney at Law, LLC
State: FL

Complaint narrative:
Maury Cobb a ttorney at law calls the house multiple times a day. They leave automated messages. When you go to call them back they do n't have a representative or a voicemail available. They call and harass you all day and they call from a called ID as some law firm. They also leave the same annoying message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
My mortgage is in default. The last payment I made was  XXXX   XXXX . I was unemployed from  XXXX   XXXX  through  XXXX   XXXX . While unemployed I tried to apply for an unemployment/underemployed forbearance under Makin g Homes Affordable.  My mortgage company would not take the application because I had no income.     When I got a job in  XXXX  I applied for a modification although my income was only about {$38000.00} per year. I was turned down again. I have since returned to work in  XXXX  and back to making a regular salary. I reapplied for the modification and was approved on  XXXX   XXXX ,  XXXX . I was told that all foreclosure proceeding where on hold.     I called the company twice. First to ask them for the 40 years loan product to allow me to catch up on all of my financial issues not just the mortgage. I was told once before that this was a product they offered but I had to apply for a modification. When I received the offer on the modification and asked for the 40 year product, I was told they do n't have that. I would have to accept the modification, go through the trial and then ask about a 40 year product. I called back the second time to let them know that I would accept the modification. I signed the papers and returned them to accept the modification.     Today, I get home and the  Sheriff 's Sale  Notice Foreclosure was posted on my door. My home is up for sale by Virtue of a Writ of Execution issued out of the   XXXX   XXXX   XXXX   XXXX   XXXX   I called my mortgage company for them to help me understand what was happening because the foreclosure proceedings were supposed to stop once they received a complete loan modification application. The representative spoke with management and came back to tell me that this was in case I defaulted on the offer. She said though there was an agreement, my first payment was not due until  XXXX   XXXX  and that they have not received any money from me yet and they needed to have this set up in case I defaulted. I went back and forth with the agent letting her know that they were dual tracking my account and that it was against the law.     I let her know that the sale date for my home was scheduled before my first trial payment. She said they would push the sale date back but they were keeping the sale date for their protection. I let her know again it was against the law and she said it was n't and we were at a stand still.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Both of my parents received calls from phone number  XXXX  #  XXXX  for me fr om the county  court processor stating that i needed to call  XXXX  case number  XXXX . I contacted the number and spoke with  XXXX  ext.  XXXX . He stated that i owed  JC Penny monies  in the amount of  XXXX  dollars and if it went to court it would be in the amount of {$5200.00} but to avoid going to court they would settle for {$1000.00} if i paid today but i had to pay by the end of the day  Pacific Standard Time.  I did have an account with  JC Penny a ny years ago. I told them i would pay if i could verify their business. I could not verify their business with the BBB,    California department of Business oversight,  the Attorney General of California or even through  XXXX  with the address listed on the email i received.. When i contacted the business again and stated that i could not verify their business i was put on with a supervisor by the name of  XXXX   XXXX . He stated that their parent company name was   XXXX   XXXX   out of  XXXX   XXXX  California. I also could not find any information about this company.  XXXX  was getting very defensive once i was asking him about a business licence number or state licence number. He stated that California was an " open border state '' and that they did not need special licensing to operate in California. Then he proceeded to get rude and told me that i know i owed the money and just am refusing to pay. I told him that i had no issue paying once i could verify that  XXXX   XXXX   XXXX  or  XXXX   XXXX  was a legit business. Their address that they gave me was  XXXX   XXXX   XXXX   XXXX   XXXX  California  XXXX . That address is  a 27 sto ry building with multiple  suite and  they refused to give me their  suite number so i could verify with the property   management company. They did have my social security number and DOB which i concerning.

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 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed disputes with  XXXX . They validated the below referenced accounts. I sent a letter letting them know I do not believe they are and that I wanted proof of their investigation w ithin 30 days  or I wanted them to remove these items. That I want a signed agreement, my social security number, id, statements of authorized charges/usage anything that says this was me because I have no record or memory of these accounts. I am taking steps to secure my identity as well. All   XXXX   did was send me a response saying the accounts were n't reporting which they are.         XXXX   - A medical bill with an account number listed of  XXXX  and {$490.00} balance, A medical bill of {$81.00} with an account number listed of  XXXX , A medical bill with an account number listed of  XXXX  for {$57.00}, A medical bill with account number of  XXXX  for {$260.00} none of these have names listed and I do not recognize the dates or any of the reporting information. Also  XXXX   XXXX .     I also filed disputes with   XXXX   and TransUnion they have not responded to my request for proof of investigation which was over  52 days  ago and they also will not allow me to access my files online anymore. So I am filing a complaint. I have resubmitted disputes with  XXXX . I am following up with this complaint in hopes that they really do an investigation this time.       XXXX   -   XXXX   XXXX   XXXX   and  XXXX   XXXX  TransUnion -   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX ,   XXXX   I am really concerned about these accounts and hope that investigations were really done because the account number is what they had on my report and the names so if they really investigated I should not have been responded to with these accounts are not reporting. Hopefully this clears up. Again I want proof of the investigation that they did showing these are my accounts and the proof that they obtained through their investigation or delete them in  30 days. Tha nks.

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 2017-05-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed disputes with   XXXX  . They validated the below referenced accounts. I sent a letter letting them know I do not believe they are and that I wanted proof of their investigation within 30 days or I wanted them to remove these items. That I want a signed agreement, my social security number, id, statements of authorized charges/usage anything that says this was me because I have no record or memory of these accounts. I am taking steps to secure my identity as well. All   XXXX   did was send me a response saying the accounts were n't reporting which they are.        XXXX  - A medical bill with an account number listed of  XXXX  and {$490.00} balance, A medical bill of {$81.00} with an account number listed of  XXXX , A medical bill with an account number listed of  XXXX  for {$57.00}, A medical bill with account number of  XXXX  for {$260.00} none of these have names listed and I do not recognize the dates or any of the reporting information. Also     XXXX   XXXX  .       I also filed disputes with Experian and   XXXX   they have not responded to my request for proof of investigation which was over 52 days ago and they also will not allow me to access my files online anymore. So I am filing a complaint. I have resubmitted disputes with  XXXX . I am following up with this complaint in hopes that they really do an investigation this time.     Experian -   XXXX   XXXX   XXXX   and   XXXX   XXXX    XXXX n -   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,  XXXX  I am really concerned about these accounts and hope that investigations were really done because the account number is what they had on my report and the names so if they really investigated I should not have been responded to with these accounts are not reporting. Hopefully this clears up. Again I want proof of the investigation that they did showing these are my accounts and the proof that they obtained through their investigation or delete them in 30 days. Thanks.

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 2017-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
Collections Accou nts Skim disc over after conducting an investigation in conclusion this account is a result of identity theft 1. This account is from the same original creditor as a medical billing note : account is been reported with  XXXX  collector as appear that both collector own same debt Syndicated office systems and Central Financial Control claiming total control of the accoun t 2. An other thing to note as is a violation HIPAA regulations in the United States prevent any medical documentation to be shared.      3. Whe n I requested to credit bureau to conduct an investigation with requiring to summit documentation as part of verification medical debt collection agency responded as verified making their respond to be not valid proof as well the credit reporting agency did not follow proper investigation as they did not remove this account from my file is a violation on the credit reporting agency in this case was conducted by  XXXX  4. So they could not provide the needed information to get the debt validate if they have the right to collect this medical bill they would have to have writing consent from the person  HIPAA regulations as is required by law under the HIPAA 5. Proof of sign a HIPAA fo rm when we go to the doctor or a hospital for services render to give them the right to view any medical record, and not having so, they could not have any detail information therefore making this another violation Because of what was explain above I demand for this to be delete immediately from my credit file from all  XXXX  credit reporting agencies and provide to me in writing that this request was complete Also if there is any documentation that they have that could help to the investigation have documents send to me by mail to the mailing address they have on records of me so that I can present them to the investigation team It is clear that this alleged account and the services provided my personal identification was used as a result of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was taken to  XXXX  hospital after telling ambulance driver to take me to VA. I did not know that  XXXX  and   XXXX   XXXX   XXXX   had sent me to a collection agency that had sent me to the credit bureau, until I was trying to refinance my home. I had gone to these companies, (  XXXX ,   XXXX   XXXX   XXXX    ) a nd showed them that I was a veteran they made a copy of my VA card and I told them to bill the  VA. thi s has been going on since   XXXX   This bill would have been paid by the VA if they had sent the bill. to this day they have not sent them a bill. I was told by  XXXX . the man that pays for non VA hospital stays, told me He could n't pay a bill if they did n't send him a bill. I took the charges on my credit report. and some bills that I later got from the collection agencies. I have also contacted  Congress man   XXXX  's office. I did everything I had to do. The hospital and   XXXX   XXXX   XXXX   should have billed the VA instead they ruined my credit.   Please help Thanks   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 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I recently received a copy of my   XXXX   credit report and I notice there is an unauthorized credit inquiry made by each of these creditors. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into each creditor inquiry to determine who requested this credit inquiry.   If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this.   Thank you in advance,  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 non-monetary relief
Consumer complaint received 2017-05-04 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
first not able to call since tty not able talk to a computer so fix it with credit bureau not possible -- was on  XXXX  and answered all id verify questions right but transunion says not able verify id and must mail in all kinds personal documents - should not have to mail all kinds personal info documents and take risk of mail delivering to some other people cross town and yes post office makes wrong delivery a habit -- who knows what the wrong address delivered people will do with my social security number and stuff

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 2017-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Calvary Portfolio Services has re-aged the debt for   XXXX   XXXX   XXXX   and reporting an inaccurate amount of {$650.00}. This debt has surpass the statue of limitation. This has caused damage to my credit over many years. The payment status on my   XXXX    credit report is listed as " Refinanced or Renewed '' The original creditor is   XXXX   XXXX   Nevada the date of m y 1  st late p ayment is well ov er 7 yea rs. Calvary Portfolio is using illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is showing my   XXXX   XXXX   student loan that was opened on   XX/XX/XXXX   as currently past due. This information is incorrect. The account is now current. The account did become 30 days late in    XX/XX/XXXX   , but payment was made and a current status should have been reported  for  XX/XX/XXXX ,  XX/XX/XXXX , and now  XX/XX/XXXX . T he account is still current. The account has been reflectin g 30-59 d ays late sinc e  XX/XX/XXXX . A dditionally, there has not been any updated reporting since   XX/XX/XXXX  . This inaccurate reporting by Equifax is affecting my credit worthiness. I am requesting an IMMEDIATE status update back to current as the account is now current. Additionally, I am requesting that account payment history be updated f or  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX . The statu s has been accurately updated by   XXXX    and    XXXX  . Equifax has neglected to update the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding LLC is still sending in to the credit report  XXXX  times this last year. We already have paid them off as of the first part of   XXXX  . But they keep putting that we owe  XXXX . We have paid them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: TN

Complaint narrative:
I recently received a copy of my   XXXX   credit report and I notice there is an unauthorized credit inquiry made by each of these creditors. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into each creditor inquiry to determine who requested this credit inquiry.   If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this.   Thank you in advance,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I recently received a copy of my   XXXX   credit report and I notice there is an unauthorized credit inquiry made by each of these creditors. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into each creditor inquiry to determine who requested this credit inquiry.   If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this.   Thank you in advance,  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