vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prosper Marketplace, Inc.
State: LA

Complaint narrative:
I entered a consumer credit transaction with PROSPER MARKETPLACE IN and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that PROSPER MARKETPLACE IN claim I owe. PROSPER MARKETPLACE IN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving 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 2021-06-03 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: CT

Complaint narrative:
These accounts don't belong to me. Please remove the from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft CAP ONE NA Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I check my XXXX XXXX  report and on my trans union report it showed that my XXXX lon account was removed from the report. I just recently opened a loan and my payments are in time and up to date, the XXXX XXXX  representative advised me to file a complaint here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I started in XXXX of XXXX to get forbearance to end. Sun Trust kept with excuses until XXXX of XXXX when they finally said they received and uploaded my singed documets and process would take up to 90 days. Its now XX/XX/XXXX of XXXX well over 120 days since XXXX. I am trying to refinance and cant get an updated current statement as they say its not in forbearance anymore but in process. I keep making payments via phone ad money keeps getting allocated to an unapplied account that they say will reflect once they update. I call all the time to only be told they will call me back, sometimes they do but with no help as they say they cant transfer me to a supervisor because they are working from home and rather they will have a supervisor call me within 48 hours. they never have called me. I filed a complaint today with sun trust hotline as well. I am also waiting a call back from Sun Trust mortgage so I can make XXXX payments and ask once again about my mortgage status they claim would be updated to current reflecting my payments by last month. Please help resolve this! 

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 explanation
Consumer complaint received 2021-06-03 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: CORELOGIC INC
State: CA

Complaint narrative:
On XX/XX/2021 I received an alert from XXXX XXXX  through my account XXXX  appt. 

Alerting me that ; XXXX XXXX XXXX  Alert Msg : I have a new credit inquiry on my credit report Made by : XXXX  For credit card ( or ) loan credit inquiry affected my FICO credit. 

I have not applied for any credit cards nor any loans of any kind and extremely concerning That such an agency- company as " Credco '' make an inquiry on my credit with out my knowledge, or written permission. 
I am not XXXX  nor have I contacted Credco OR request that any company do on my behalf. 

I want Credco to restore my credit ( FICO ) report. 

Please look into this complaint and immediately address accordingly and restore my credit report due to illegal fraudulent activity. 

XXXX XXXX  is activity looking into this matter as well since they thevones who notified 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 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Hello, Transaction Company : JP Morgan Chase Transaction Amount : {$1400.00} Transaction Date : XX/XX/2020 I have been dealing with this fraudulent charge with Chase for the past couple of months and left hope. I called them N number of times until XXXX and got frustrated with their poor inefficiencies in the operations of the fradulent charges team. 

I had a charge stating " XXXX '' in my credit card statement for {$1400.00}. 
I identified this charge within a week. From then, I was contacting Chase and they haven't had any steps taken. All they say is " This is a XXXX verified purchase ''. 

Scammers and frauds verify purchases through their sources and cash out money which is an information given to me by one of my friends working in a nationalized bank in XXXX under the cybersecurity department. 

It is a shame for such a huge organization like Chase to have huge loopholes in their processes. I really wanted to hike up this issue and make it big. 

Customers life are at stake due to corporate blunders. 

Kindly take further action and help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I entered a consumer credit transaction with NAVY FEDERAL CREDIT UNION and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that NAVY FEDERAL CREDIT UNION claim I owe. NAVY FEDERAL CREDIT UNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03 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: Allegiant Receivables Solutions, Inc
State: CT

Complaint narrative:
I had a medical bill hit my credit. I have been fighting with the insurance company to pay for the bill since they had already approved the gap insurance for my failure to thrive baby to go to a XXXX. I have an appeal with XXXX XXXX. I have told the doctor 's office this and they still sent it to collections. I paid the bill and the collection company will not take it off my credit nor will they give me a receipt. I have called begging for them just to take it off my credit and they will not even send me a receipt. Also, they charged me extra beyond the medical bill. I did pay my co-pay and filed a complaint with the State of Colorado about XXXX XXXX 's abusive practices. I paid the bill on XX/XX/2021 and no receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ON MY CONSUMER REPORT I REALIZED THAT THERE WERE ACCOUNTS THAT WERE OPEN FRAUDULENTLY IN MY NAME. I DONT KNOW HOW SAID PERSON GOT MY INFORMATION TO OPEN THIS ACCOUNT BUT THIS IS VERY SCARY. I AM WRITING THIS COMPLAINT TO LET YOU KNOW I DID NOT AUTHORIZE THIS ACCOUNT AND IT NEEDS TO BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY PURSUING TO 15 U.S. CODE 1602 ( P ). THIS IS A VIOLATION TO MY RIGHTS OF PRIVACY ACCORDING TO 15 U.S. CODE 1681 ( A ) ( 4 ) BECAUSE INACCURATE INFORMATION IS BEING REPORTED ON MY CONSUMER REPORT THATS MESSING UP MY LIFE WHICH I DID NOT AUTHORIZE DUE TO IDENTITY THEFT, YET YOU REPORTED IT ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION ACCORDING TO 15 U.S. CODE 1681B ( A ) ( 2 ) WHICH IS AGAINST THE LAW AND IS ANOTHER FORM OF IDENTITY THEFT. 

THE ACCOUNTS BELOW WERE NOT AUTHORIZED BY ME NOR CAN IT BE VALIDATED THAT I OPENED THESE TRADELINES. ACCORDING TO THE LAW 15 U.S. CODE 1681S-2 ( A ) ( B ) NO AGENCY SHOULD BE REPORTING INACCURATE INFORMATION ON A CONSUMERS REPORT AND IT SHOULD BE DELETED IMMEDIATELY. I WILL PUT THE INFORMATION OF THE ACCOUNTS BELOW AS THIS IS INVOLVED IN LITIGATION. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Once again I am filing a complaint on the way Chase has handled this dispute and siding with the XXXX XXXX which is ridiculous and doesn't make any sense at all and I am not even given a real reason why! Chase has ALL the information previously given and they continue to reference a letter I NEVER received on from XX/XX/XXXX that was already addressed with them! I received the wrong flooring, nothing like what I ordered as shown in the pictures, NOTHING to do with buyer 's remorse, the minute I saw the flooring it we tried to return the NEXT day! I purchased the flooring on XX/XX/XXXX and arrived approx 2 weeks later so that would have been earliest it could have even been seen, XX/XX/XXXX, until a product is seen how do we know it is right or wrong product, which it was wrong even if they say they ordered right number look at pictures it is NOT right! I have yet to hear a realistic response as to why they are siding with the Merchant, all they say 30 day return policy and we were not able to pick up product till they received on XXXX XXXX and when I saw was XX/XX/XXXX clearly within 30 days! Chase has NOT given me any clear reasoning for this so I will continue to fight this because it is WRONG, look at the pictures do they look like the same product!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I never signed a contract for credit account for XXXX/COMENITY/XXXX  XXXX XXXX  and I never applied for this card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed that this debt continues to report despite there being no validation made. I have sent several letters to CBE Group for them to send me validation of the debt and have yet to hear back for any of them and it's been well over a month. Under the FDCPA, I have the right to request validation of the debt you say I woer you. I ask that CBE provide me with documentation that I am bind to pay this debt to them. I ask that CBE provide me with evidence that I have any legal obligation to pay them. Reporting invalidated information to any of the three major credit bureaus might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on my credit, I will not hesitate in bringing legal action against CBE for Violation of the FDCPA and Defamation of Character. If your offices fail to validate any debt I ask that all collections be deleted from my credport and copy of such deletion letter shall be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. By the start i am using my account there is no any dispute against my account butt company saying there is risk. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days. But I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: IL

Complaint narrative:
I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section of the report. 

I ask that the items be deleted to correct 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 2021-06-03 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: IL

Complaint narrative:
I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section of the report. 

I ask that the items be deleted to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
A lady called me on XX/XX/2021. I had to repeatedly ask who she was, and why she was calling. She was very evasive, and said its a business matter. She didnt disclose it was a recorded phone call, until several minutes into the call, not at the beginning. I want them to immediately cease all contact with me by mail, phone, email or in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I never applied for or received this card.Where is the original signature and agreement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: CA

Complaint narrative:
I never applied or received a KOHLS/CAPONE card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: NY

Complaint narrative:
The following accounts are not mine and i want them to be removed from my credit report in the 3 credit reporting agencies. See bellow which are the accounts : 1. Identity Theft JPMCB CARD XXXX This is not mine 2. Identity Theft XXXX XXXX  XXXX XXXX This is not mine 3. Identity Theft XXXX XXXX XXXX This is not mine 4. Identity Theft XXXX XXXX XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
This debt is not mine, Avant has not shown any original paperwork indicating that I took out this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: UT

Complaint narrative:
XXXX XXXX XXXX is violating my rights under FCRA section 605b, by reporting fraudulent transactions to the credit reporting agencies. They have reportXXXX, they are violating by reporting balances that were a result of fraud. Please remove all reporting of this business account from my credit reporting profiles immediately. Attached is the valid and active police report from the XXXX XXXX police department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
- Hard Inquiry XXXX XXXX XXXX Date XX/XX/2020 - Hard Inquiry XXXX  Inquiry Date : XXXX XXXX I did not initialized /authorized these credit pull. Called Experian, Sent mails to XXXX or XXXX for verification. XXXX and XXXX told me they do not have any documentation.. or account with me, or application and told me they can not help me. Experian, and Experian ID works tells me to work it out with original creditor. I have security freeze on my account because of these fraud activity. 

I want these incorrect informations removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: Affirm Holdings, Inc
State: CT

Complaint narrative:
These accounts don't belong to me. Please remove the from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft AFFIRM INC Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation