vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I went to Cash Express in XXXX XXXX Tn to renew the final payment on a {$300.00} signature loan. I was told I could not renew this because they were changing to flex loans. I was assured by the associate that it was the same kind of loan. I had to make a new flex loan and let it pay off the signature loan. Not having a choice I let them do that. I had to make a loan for {$400.00} to pay off the old loan. I ask about payments and due dates. The associate said she could not tell ms those things but I would receive letter in about 60 days giving me that information. After 60 days had  passed and I received no information I went to the office. A new associate told me she did not know why I had not received the letter. I paid {$300.00} on the loan. I went back later an paid {$100.00} more on the loan. I still do not know how much I owe. I have paid {$400.00} on a {$400.00} loan. Time goes by and I still have not received a letter, phone call, or email frrom Cash Express. On about XX/XX/XXXX I receive a final notice before legal action letter from Cash Express saying I owe {$620.00} due byXX/XX/XXXX. It informed me I could get a conformation and itemized detail of my debt. I was waiting for this information when I was served a civil summons onXX/XX/XXXX.I have not received any contact from Cash Express XX/XX/XXXX even though I requested it. XXXX XXXX is the legal council. His phone number i XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX   XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I had an outstanding bill of {$130.00} from an XXXX XXXX medical provider. The provider did not update my billing address at the time of service so the bill was sent to the incorrect address. I was not aware of the bill until after the item went to collections with XXXX XXXX XXXX and I received a direct phone call from the collections agency. I paid the bill immediately upon notification and extinguished the debt. 

As a result of XXXX XXXX clerical error I have a collections Derogatory Mark which is negatively impacting my credit score. I disputed the issue with Equifax and all they did was confirm that the debt was mine, which I don't dispute. I dispute the legality of the debt going to collections without being contacted. Equifax left the derogatory mark on my credit report and updated the dates associated with the extinguished debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: CA

Complaint narrative:
I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX****, XXXX/XXXX   XXXX****, XXXX/XXXX XXXX****, XXXX/XXXX 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 2019-05-23 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: WELLS FARGO & COMPANY

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX   reports

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 2019-05-23 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : 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 2019-05-23 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: CA

Complaint narrative:
I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX 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 2019-05-23 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 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 2019-05-23 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : 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 2019-05-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX - account numbers XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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:
XXXX ; Experian and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX - account numbers XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.  Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-23 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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX - account numbers XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-23 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: Global Credit & Collection Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX called and tried to tell me that I needed to tell her my Social Security number and to go over my assets with her. First of all, I have never heard of her or her company Global Credit Collections in my life. I DO NOT NOR WILL I EVER HAVE A CONTRACT OR ACCOUNT WITH THESE LAND SHARKS, or the company DISTRESSED XXXX XXXX XXXX XXXX..How a  complete stranger can call and insist on these things, I have no idea. 
I told her I do not give out this information to people who call me. She then told me to call her back so she would know who she was! REALLY???? 
I told her I was working and couldn't take calls at work and hung up. 
On XXXX, she called my office number and was disconnected. She called me on the XXXX on my private line, while I was at work, after being asked not to. On XXXX she called my office line again and was disconnected. I called her right back, told her who I was and asked her if she just called me and she said ''YES ''. 
When I told her not to call me at work, she DEMANDED me to verify who I was ... ..um yes, already did that and she admitted she called me. Lets check the recordings. 
XXXX was the last straw, when she called me and HUNG UP!!!!. I am sorry, but I don't HAVE TIME FOR GAMES.I called her back and told her not to call me at work, to which she replied, we work during work hours, when am I supposed to call????? OMG!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Caine & Weiner, the charlatans of debt collection, appeared on my credit report regarding an auto insurance invoice. I called Caine & Weiner and asked that they provide proof of this outstanding debt, as I have proof of cancellation and a XXXX balance ( I'm also an active customer with the very same insurance company and confirmed this with them as well ). I was told to send them the proof, which I did. A very angry, aggressive person called, by the name of XXXX XXXX, and make threats of further collection action, although I already supplied proof of payment.  When I asked her to simply validate this debt, she said " I'm not sending you anything, it's just gon na stay on your report ''. If I wasn't well educated on my rights, and perhaps as ignorant as the person who called me, I might have been moved by her meaningless threats. How do you allow businesses ( for lack of a better word ) continue to practice this way?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: DISCOVER BANK

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
I have previously filed complaints against Peroutka et al and they have provided you with false or misleading information, While it is true one of the loan agreements is in litigation, as of this writing it is not in arbitration because Peroutka refuses to pay the fees. 

The second loan agreement is not part of any litigation or arbitration and therefore their response is false on its face and they are refusing to engage in arbitration as required under the loan contract. They are obviously not taking these complaints seriously and are providing you with false information. they are also in violation of the Federal Arbitration Act and CFPB regulations. Because of the agregious nature of their acts I am requesting that the CFPB file an enforcement action against XXXX XXXX and their attorney and collect a civil penalty in accordance with the regulations. 

To be clear, in their response they said that both loan agreements were in litigation. One was and one was not. Neither are in arbitration at this time. See complaint number XXXX for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I filled out forms for a loan modification due to my husband got ill and was hospitalized several times and I didn't want to get behind where I couldn't catch up. Carrington Mortgage Services advised to do a loan modification. I have filled out the documents they requested, and they keep requesting same documents over and over stating that there was changes to the XXXX. I filled one out on  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. I really can't believe there has been changes, especially that many. 
I have faxed in the whole packet in XX/XX/XXXX and still to this present date XX/XX/XXXX I am now being asked to pretty much start over.. And, since then got a letter from an attorney that is handling the Carrington Mortgage Services . 
Now, since all this time has went past, today, XX/XX/XXXX I was asked to fill out the Mortgage Assistance ( RMA ), plus 30 days of paystubs. AGAIN! 
There should be no reason for all this delay, I have kept in contact, filled out the forms requested and still have got No Where! When I first started and spoke to the associate at Carrington Mortgage she advised once packet received there should be a timely process and should get information on the loan modification and the new terms to me. I do not want to lose my house, but I feel I am getting no help at all! I feel very cooperative with all the demands and phone calls, but I feel I am getting the run around and possible scammed to the extent that I will lose my home. I have owned this home since XX/XX/XXXX @ XXXX XXXX and I feel I am just asking for help and not a run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports

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 2019-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX resurgent capital services XXXX XXXX XXXX XXXX sold account to XXXX XXXX, Resurgent Capital Services. Now I do not know where this account actually exists because it has been passed on to so many different collection agencies. 
I told original creditor my situation, then I told XXXX XXXX the same situation and no Resurgent Capital Services the situation on three separate correspondences.

I am collection proof. I am XXXX/XXXX/XXXX. My husband passed away in XXXX taking 75 % of our income with him. I have no funds to pay the amount they say I owe and I do not have funds to secure legal help. I have social security income that barely meets necessities. This is not the situation I intended to be in at XXXX years old.

Company response to consumer: Closed with explanation