vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-29 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: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
I received two crowdfunded loans from Prosper Marketplace, the first for {$12000.00} in XX/XX/XXXX and the second for XXXX in XX/XX/XXXX. A XXXX diagnosis and divorce forced me to default on both loans in XX/XX/XXXX. Prosper charged off both loans in XX/XX/XXXX with charged-off amounts of {$13000.00} and {$7900.00}. 

Five years later they increased the balances and reported such to the credit reporting agencies. The first loan balance was increased to {$18000.00} with the second increasing to {$10000.00}. The increases were first reported in XX/XX/XXXX. I contacted Prosper to inquire why they would increase balances on six-year old charged off accounts. I took the position that the increases were improper and that they had not made any attempts to collect the debt. They referred me to their third party collections company. 

I contacted the collections company and a representative informed me that not only did they not have my account, they also don't report any information to the credit reporting agencies. They referred me back to Prosper 's in-house collections unit. 

I contacted Prosper again. They also could not locate my account and could not advise why the balances were increased.

I never received a follow up call from Prosper, the balances, however, were returned to the original amounts in XX/XX/XXXX. Then a month later the balance were AGAIN increased. At that time Prosper also updated the second loan to indicate that they account had been closed as of XX/XX/XXXX, four-plus years AFTER the account was charged-off. 

I view these actions to be malicious with clear premeditated intent to damage my credit rating by unlawfully increasing balances, changing the 'closed ' date of the account, adding payment history where there was previously none, and updating the accounts monthly to hold down my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Accelerated Servicing Group LLC
State: CA

Complaint narrative:
On XX/XX/18 at XXXX, XXXX XXXX from Accelerated Servicing Group ( XXXX ), called an left a threatening voicemail. He said that my account had been escalated and placed with him for resolution among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2018 I made several small purchases using my debit card. The next day I checked my account and they had charged me XXXX in OD charges. On XX/XX/XXXX after trying to resolve this myself I went to the bank and they refunded XXXX of OD charges. On the same day I locked my account and reported to them that some charges were unauthorized on XXXX, XXXX and XXXX but that didnt stop them. To my knowledge they have stolen over XXXX from me. I am on Social Security and I am worried about my check that will be deposited on XX/XX/XXXX. I dont know where to begin but these people need to be stopped.

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 2018-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In XX/XX/2018, I signed up via phone for the XXXX XXXX XXXX XXXX XXXX XXXX credit card, it came with a signup bonus of XXXX points after spending {$3000.00} within 3 months. I met the spending requirement within the 3 month time period, however when I called in after the 3 month period I was told that the offer of XXXX points was removed from my account. I was told by the representative that on XX/XX/XXXX Wells Fargo re-did their reward program and that the bonus promotion was removed from my account and replaced with a 3x points promotion on future spending and that I would not receive the bonus points that were offered when I signed up for the card. I requested a supervisor and requested a case be opened, but was told there was nothing they could do to help me further as the bonus I was offered when I signed up for the card was no longer in their systems..

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 2018-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello You people helped me the last ... dealing with Wells Fargo ... where they added taxes to my mortgage ... the first payment to them was {$860.00} from XXXX XXXX ... so these people tacked on another {$50.00} on to my mortgage ... for four months ... paying a mortgage payment to these people ... where they said it was taxes ... I'm a XXXX ... XXXX XXXX XXXX.. 
These people when I complained about my payment ... oh XXXX XXXX there was an over payment of my escrow ... which they are lying ... had I said nothing, they would have kept the money ... Mr. XXXX ... this is your lucky day ... you have money coming to you ... they sent me a check ... .and paperwork ... but as I said ... show me what you did with my money for {$50.00}? for four months..taxes.. I went to that website..still have me at XXXX ..they cook the books to make it look good and where is the government? don't steal from me ... 
take it from the rich ... 
You want the paperwork that they sent me? They still don't have it right ... this started from XX/XX/XXXX to the present.. 
They owe me for four months..and I went to see if they changed my mortgage payment ... and they haven't ... 
So what do I do? Not pay them, where they will be foreclosing on my house?

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 2018-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
Capital One sent a letter XX/XX/XXXX stating due to lack of use card ending # XXXX will be closed if card holder does not contact office immediately. I called them at the beginning of XX/XX/XXXX and got a credit increase to {$3000.00}. It was mentioned during the phone conversation that I must use the card before the end of XX/XX/XXXX that month. I did not use the card until XX/XX/XXXX, and by then the account was closed. I believe Capital One charged me the annual fee and subsequent late fee after closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters are constantly placing calls to my employer to contact me despite being told via a written " cease '' request, with fax confirmation receipt on XX/XX/XXXX, to stop. I informed them on XX/XX/XXXX in writing that I could lose my job for too many personal calls or calls such as these. However, their calls continue. The National Credit Adjusters are calling from is XXXX and the persons calling my place of employment are : XXXX XXXX, ext XXXX, made multiple calls to my employer. The last one was on XX/XX/XXXX ; and XXXX XXXX, ext. XXXX made multiple calls to my employer. The last one XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: Riverwalk Financial Corporation
State: CA

Complaint narrative:
Reference : XXXX, XXXX and XXXX # XXXX XXXX XXXX XXXX XXXX TX This company is reporting that I owe them almost {$4000.00} for XXXX XXXX XXXX opened in XX/XX/2018 1 ) I have NEVER attended this school 2 ) I do not have any student loans with XXXX XXXX XXXX. 
3 ) XXXX schools across the country was CLOSED by the federal government several years ago for procuring fraudulent student loans under unsuspecting individuals names. 


# 2 XXXX XXXX XXXX This company is reporting that I have a 'closed ' student loan account with them that is 119 days past due. 

1 ) I have NEVER attended any school that has a loan with them.

2 ) I do not have any school accounts.

This two companies above are reporting fraudulent accounts. Both need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: TFC Credit Corporation of California
State: CA

Complaint narrative:
Reference : XXXX, XXXX and XXXX # 1 XXXX XXXX XXXX XXXX TX This company is reporting that I owe them almost {$4000.00} for XXXX XXXX School opened in XX/XX/2018 1 ) I have NEVER attended this school 2 ) I do not have any student loans with XXXX XXXX school. 
3 ) XXXX schools across the country was CLOSED by the federal government several years ago for procuring fraudulent student loans under unsuspecting individuals names. 


# 2 TFC Credit Corp This company is reporting that I have a 'closed ' student loan account with them that is 119 days past due. 

1 ) I have NEVER attended any school that has a loan with them.

2 ) I do not have any school accounts.

This two companies above are reporting fraudulent accounts. Both need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal is apparently trying to maximize their revenue by routing transactions to their preferred method of funding, despite my specific instructions to the contrary. I asked for two transactions to be placed on my credit card, but they funded via PayPal balance + my debit card. 

Additionally, they have created a complicated web of customer service interactions that ensures they do not respond to my complaint, but instead, send me repeated unrelated form emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CAPITAL ONE with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Dealing with Navient has been incredibly stressful and difficult. Their staff is condescending. At one point during a call, I had to set guidelines on how to communicate with the representative because he was unprofessional. While this conduct was reported, nothing came of it. Yesterday, I called XXXX XXXX for advice. I found out that I would have qualified for a low income driven plan all this time, but Navient never offered me this option at all! They kept putting me to deferment until I wasn't eligible for anymore deferment. I've explained to them that I'm currently working part time and on gov. assistance. I also submitted a economic hardship application which they did nothing with it. So yesterday, I filed for consolidation with another service provider including with an income driven payment plan. Navient is irresponsible and took advantage of situation. They took advantage of a consumer who knew very little about her options and did not present any other options other than to forcibly collect debt. While i asked if there was any other way, they told me no. They have robbed me from my options and rights to know by withholding information such as the income driven payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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:
This is the FIFTH OR SIXTH time I have tried to fix this issue with Transunion so I have decided to get lawyers involved, there is a fraudulent account with XXXX XXXX XXXX that all the other credit agencys deleted except for Transunion XXXX. This Data furnisher has been in violation of the FCRA 2009 ( a ) which states a Data furnisher MUST delete an account that has been reported to authorities and has proper identification to prove it ( which I have provided numerous times ) WITHIN 4 BUISNESS DAYS, ITS BEEN 4 MONTHS. I have reported the data furnisher to the Attorney Generals office - XXXX XXXX due to Transunion negligence. They are in violation of the Fair credit report act 2009 ( a ), which is a FEDERAL LAW. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " Last time Transunion XXXX, responded TransUnion has declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue. Let me repeat this, 1 ) I DID NOT REQUEST THE BLOCK IN ERROR. 2 ) Transunion IS FALSELY ACCUSING ME of misrepresentation of facts, to a known identity theft victim. 3 ) I DID NOT RECEIVE ANYTHING FROM THIS FAUDULENT ACCOUNT. I have referred this to the office of the Attorney General of California - XXXX XXXX, and the XXXX XXXX - XXXX XXXX XXXX for data furnisher negligence / litigation. I am completely upset and absolutely disappointed with the service Transunion has provided me, I will be writing a letter to my local congressman on this issue 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 non-monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Quicken Loans waited a week before closing to tell me my loan had been denied. This was after written approval from Quicken and over {$6000.00} in earnest money, appraisal, Survey and inspection fees. My loan officer XXXX XXXX assured me through out the entire process everything was ok with my loan. Because of Quicken Loans material misrepresentation of my approval I incurred fees to close the loan based on Quicken 's approval process. Worst experience ever!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
THIS INFORMATION IS INCORRECT IN MORE THAN ONE WAY. 

TO START NONE OF THE personal information listed regarding this credit card account are valid ; such as My suposed account number, address, phone number, email, Social Security number. 
I AM NOT RESPONSIBLE OF THIS, NOR AM I THE ACCOUNT HOLDER. 
This card was opened with My first and last name and date of birth AND THAT WAS ALL THE INFORMATION THAT MATCHES THIS-HOW IS THIS EVEN POSSIBLE TO HAVE GOTTEN THIS FAR AND STILL FOLLOWING ME!? 

I HAVE REACHED OUT TO THE ORIGINAL CREDIT CARD COMPANY A FEW TIMES OVER THE LAST 6MONTHS TO KEEP THEM UP TO DATE ON EVERYTHING ON MY END AND APPARENTLY NOTHING AT ALL HAS BEEN DONE. 

I DONT KNOW EXACTLY WHAT/HOW THIS HAPPENED, IF IT WAS DONE BY A PERSON I KNOW, KNOWINGLY USING PART OF MY INFORMATION OR IF THIS WAS COMPLETE ERROR ON SOMEONES FAULT BUT I AM STILL NOT TAKING RESPONSIBILITY FOR SUCH AN INCORRECT SITUATION. 

NOW I HAVE DEBT COLLECTORS EMIAILING ME, CONTACTING ME AND ACCUSING ME OF THIS DEBT THAT HAS NOW BECOME A COLLECTION ACCOUNT AND SOLD TO A NEW COMPANY. 

THE MOST UPESTTING TO ME IS THAT NOW ACCORDING TO THE CREDIT REPORTING AGENCIES, M YCORRECT PERSONAL INFO HAS BEEN BASICALLY ADDED TO/ WITH THIS OTHER " XXXX XXXX XXXX ACCOUNT AND MY PUBLIC INFO IS NOW MIXED INTO THIS WHOLE MESS EVEM MORE THAN BEFORE BC NOW WHEN SOMEONE PULLS THIS ACCOUNT/REPORT, ALL THE INFORMATION SUBMITTED-BOTH BY THE APPLICANT, AND NOW BY WHOEVER HAS ADDED TO THESE CREDIT REPORT ACOUNTS ON THE ADMIN SIDE-WHICH HAS ONLY MADE THINGS WORSE AND MORE CONFUSING TO ANY THIRD PARTIES GETTING INVOLVED.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I have reached out to Southwest Credit Systems L.P. on multiple occasions to let them know of a fraudulent account under my name and social security number. I asked them to furnish me with an detailed list of billing, showing what items I was supposed to be charged for and I was never recieved any information from them after 2 calls about this. I have NEVER have used this account and these charges are fraudulent!!! The company removed all charges from my credit history previously and after I resolved this charge it appeared again after months of being in dispute with this fraudulent company. I want this item removed from my credit report once and for all and I want a letter to be furnished showing that this is a mistake because this is hindering my able to obtain credit at places and last resort is to pursue legal action to have these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: MD

Complaint narrative:
Well to start off I received a credit alert on my credit report and I took a look, and then noticed a collection account was added to my credit reports Transunion and XXXX in the amount of XXXX.The collection agency XXXX XXXX XXXX XXXX XXXX XXXX.I then reached out to the company to get more information on this account and to inform them this is not my account the representative ( XXXX ) then hangs up on me and someone else calls me back ( XXXX ) I inform her that I would like documentation on this account and I was put on hold several times, then I hang up call back and all of a sudden the number doesent work, a couple days go by and I start receiving a bill for the debt, whoever these people are have called my job several times as well as my home at XXXX at night.They ( XXXX ) have violated the FDCPA in many ways as well as Transunion and XXXX violating the FCRA for reporting such account with no payment history, missing or incomplete file.The same with other adverse collection accounts ive previously disputed such acccounts as Account resolution in the amount of XXXX with-Transunion/XXXX/XXXX. XXXX XXXX XXXX in the amount of XXXX with-Transunion/XXXX.XXXX XXXX in the amount of XXXX.with-Transunion/XXXX.These accounts are not mine and are being reported to all three CRA's.These companys have not issued me any documentation and have to collect debts from me that are not mine, and I demand removel of accounts per the FCRA.Ive finally managed to get an Attorney to help me through this process and will be taking further action in the matter.

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 2018-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Credit Control
State: CA

Complaint narrative:
I was contacted by phone from Continental Credit Control on XX/XX/2018 to collect a supposed debt. I sent a letter via certified mail on XX/XX/18 asking Continental Credit Control to verify my debt. Continental Credit Control have never sent me any information to verify my debt, but has continuously called me on XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18.

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 2018-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am getting the dates now from Navient. I made a rather large payment of over 2,000 dollars one year and it was never applied to the principal after I was told it was and my loan is not going down it is going up even if I pay more than the amount due. I have asked for help with Navient to give me the proper amount to pay, so I am not paying it until I die.

Company response to consumer: Closed with explanation