vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
XXXX/XXXX internet is harassing me and has sent me to a collection agency, for a bill/internet contract that is not mine. I rented a room in my home to a XXXX XXXX XXXX XXXX, who apparently entered a 2 year contract with them, before moving out just a few months later. ( moved out maybe XX/XX/XXXX ). 
At some point their failed attempts to collect from XXXX, they decided to attach my name to his contract, since I also live at the address. After them confirming I wasnt part of the account and had no access to information on the phone, they sent my name to collections. 
I called XXXX again XX/XX/XXXX, and they claimed there was no account. I provided the number on the mail, they said I owed XXXX . They said i entered the contract when they intalled the satillite ( they claimed XXXX ). I informed them I was at work on a XXXX XXXX  shift that day. I informed them i never had the chance to sign, and wouldnt have knowing XXXX reputation for outstanding debt collectors. They then claimed I entered the contract verbally at some point I wasnt aware of. This cycle continued, XXXX saying anything they could to scare me into paying XXXX debt. 
Informed the self proclaimed supervisor named XXXX, I have enough stress, and my time is valuable, if my credit is belmished by this corperations unethical and illegal attempt to scare me into paying a debt that isnt mine, I would take legal action. He told me to do that. 

XXXX phone XXXX collection agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My identity was stolen on XX/XX/16. And my social security number has been compromised and debt has been acquired and reflected on my credit report. A police report was made. I Would like these debts removed immediately.

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 2019-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have had a few issue with old or inaccurate information and unverified accounts on my credit report. There is an account from XXXX XXXX XXXX**** # XXXX****, is in current status and was never late please remove the 90 days late not accurate?? I have an account that was resolved with the original creditor. I never done business with XXXX XXXX XXXX # XXXX**** please delete. I have a unverified account XXXX XXXX XXXX XXXX XXXX # XXXX this account is not accurate please delete.

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 2019-05-17 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: IN

Complaint narrative:
The purpose of this letter is to inform you that my identity has been compromised and that the following accounts do not belong to me. I have filed the necessary paperwork and ask that you please remove the following accounts from my credit file. 

1. XXXX XXXX 2. 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 2019-05-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
XXXX XXXX IQ data international debt collector XXXX Washington XXXX Called at XXXX I was at worked asked to call back at 1 they did. Stated I owed XXXX in damages from apt XXXX XXXX XXXX an XXXX XXXX property. I emailed them they did verify they sent them a debt collection. I think owned by same people. 

They said they if I didnt get a 16 digit credit card and pay by XXXX XXXX   tomorrow they would send my credit to the credit bureaus and hurt my credit. I asked them to send that in writing. They said they would email. I said ok they still havent. I want to pay in protest because I cant review claims and I feel its a type of scam to pay only by credit card. 

Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRSTBANK
State: AZ

Complaint narrative:
I had a checking account with FIRST BANK and some of there fees caused the account to go negative and they reported this as a charge off on my credit report. It is reporting as a line if credit that was charged off. This was a checking account with no credit associated with it. I requested a validation of debt and never got any response. Just a response stating they will not further investigate after I disputed it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been trying to get this company to report each month to the credit agency 's our monthly payments and correct balance for almost a year now. I have been monitoring my husband and I credit report every month and to no avail XXXX XXXX XXXX will not report every month like they should. Which is causing every month for my debt to income with my car loan not to decrease every month. I received my credit report from TransUnion today and the last time this company reported was XX/XX/19. Today is XX/XX/19, and they have not reported my XXXX  payment. I was told three months ago when I spoke with a rep that they knew of the problem and would fix it, but the problem still exist on my husbands and I credit reports. My husband and I could not be the only consumers having this problem. I pay them every month, they need to report to the credit agency 's every month. If they didn't get their payment I bet they would 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 non-monetary relief
Consumer complaint received 2019-05-17 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: SC

Complaint narrative:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 

I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

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 2019-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: TX

Complaint narrative:
This particular company is allowing customers to make their payment with the 15 day grace. And not advising that this is a daily simple interest loan that in cumulates more interests earn. In addition they are not able to make same day payments and always advises that they will post the payment the following business day to allow the company to accrue additional interests. This is unethical and I think that this company needs to be reviewed under CFPB. Any company is able to make a payment and backdated to the original payment date that you called in period I called in at XXXX o'clock central standard time and advise that my payment will not post till Monday due to it being considered the following day being Friday. That is absurd and ridiculous for companies to make additional money off of consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: MS

Complaint narrative:
To Dispute Investigations : I am sending in a copy of the student loan forbearance approval letter from XXXX XXXX. I highlighted the dates of the forbearance. The letter is dated in XX/XX/2017 which makes the forbearance retroactive meaning it applies to dates before the date of the letter. With that being said, all 11 accounts of XXXX XXXX should reflect the true status of the account with XXXX XXXX. The late payments status on all accounts should have been updated to current or deleted altogether. By reporting negative late payments while the account with XXXX XXXX shows all on time payments is an example of inaccurate reporting which is a violation of the Fair Credit Reporting Act. I have disputed these late payments several times. However, your credit reporting agency, constantly verify the account as accurate when that is not true. How are you validating? Im pretty sure both, XXXX XXXX and your credit reporting agency did not thoroughly investigate my dispute. Because of this both XXXX XXXX and your CRA have denied me my right to have an accurate credit file with the bureaus. I demand that all XXXX XXXX accounts be updated to show no late payments or deleted all accounts altogether due to negligence. 

Thank you

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 2019-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have never engaged with your company for any request of credit, services or for anything else. I dont know who you people are. 

On XX/XX/2019, I wrote a 2nd letter to your office regarding debt collection letters I was being sent for an account that I have no knowledge of. 

You were asked to submit to me the note, signed contract, application of the referenced account or something similar. Instead, I received a few pages of a credit card statement that simply had summary of totals with my name included. You further explained that you had purchased the credit card debt from XXXX XXXX XXXX  after a charge off that had occurred in that letter response. 

I reiterated to you, your company has not provided verifiable proof, as required by Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), receipts of charges with my signature, contracts with my signatures, etc. - that the debt they say I owed is actual mine, other than printing a few statement pages. The account could be a fraudulent account, having fraudulent charges, etc. ; thus, the totality of those charges and the account itself is being disputed. 

I do not agree that your company can simply use any documentation given from the creditor that sold you the credit card account to you ( at pennies on the dollar I am assuming ) and then turn around and use that limited information as your bases to file a lawsuit against me over state lines to collect whatever was stated on those papers. 

I am under financial distress. I have exhausted any available cash/credit to continued payments to any creditors that might be demanding payments on debts they say I owe because of a series of recent catastrophic events that have set me back. 

I am currently the primary support person in my mothers XXXX care treatment. I was forced to reduce my hours at my day job and eventually had to quit altogether due to the number of absences I needed to take so I could take care of my mother. This catastrophic event impacted all our family members finances including mine since our mother was uninsured for medical XXXX care. 

Additionally, I am paying for my own personal deteriorating health care and living expenses by seeking the help of others and selling personal property of mine for day to day survival needs - since I am currently unemployed. 

As a result, I have not been able to save any extra money for a bankruptcy lawyer to help me file for bankruptcy protection ; however, I will continue to look for work to raise enough money to start a bankruptcy petition in mid-2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: MS

Complaint narrative:
To Dispute Investigations : I am sending in a copy of the student loan forbearance approval letter from XXXX XXXX. I highlighted the dates of the forbearance. The letter is dated in XX/XX/2017 which makes the forbearance retroactive meaning it applies to dates before the date of the letter. With that being said, all 11 accounts of XXXX XXXX should reflect the true status of the account with XXXX XXXX. The late payments status on all accounts should have been updated to current or deleted altogether. By reporting negative late payments while the account with XXXX XXXX shows all on time payments is an example of inaccurate reporting which is a violation of the Fair Credit Reporting Act. I have disputed these late payments several times. However, your credit reporting agency, constantly verify the account as accurate when that is not true. How are you validating? Im pretty sure both, XXXX XXXX and your credit reporting agency did not thoroughly investigate my dispute. Because of this both XXXX XXXX and your CRA have denied me my right to have an accurate credit file with the bureaus. I demand that all XXXX XXXX accounts be updated to show no late payments or deleted all accounts altogether due to negligence. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: AES/PHEAA
State: MS

Complaint narrative:
To Dispute Investigations : I am sending in a copy of the student loan forbearance approval letter from FedLoan Servicing. I highlighted the dates of the forbearance. The letter is dated in XX/XX/2017 which makes the forbearance retroactive meaning it applies to dates before the date of the letter. With that being said, all 11 accounts of Fedloan Servicing should reflect the true status of the account with Fedloan Servicing. The late payments status on all accounts should have been updated to current or deleted altogether. By reporting negative late payments while the account with Fedloan Servicing shows all on time payments is an example of inaccurate reporting which is a violation of the Fair Credit Reporting Act. I have disputed these late payments several times. However, your credit reporting agency, constantly verify the account as accurate when that is not true. How are you validating? Im pretty sure both, Fedloan Servicing and your credit reporting agency did not thoroughly investigate my dispute. Because of this both Fedloan Servicing and your CRA have denied me my right to have an accurate credit file with the bureaus. I demand that all Fedloan Servicing accounts be updated to show no late payments or deleted all accounts altogether due to negligence. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian has messed up my credit report and because of them my credit score went down 15 points today. I have student loans on my credit report that were discharged due to a total and permanent XXXX, experian is reporting these loans duplicated on my credit report, there are two of  each of these accounts which are exactly the same accounts, the other thing is that they are reporting a balance on these student loans and there should not be a balance on a closed account, I checked all of my closed accounts and the balance are on {$0.00}, student loans are the only ones showing a balance. fix my credit now

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 2019-05-17 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: SC

Complaint narrative:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

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 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC
State: AL

Complaint narrative:
Called to cancel account. Account did not get closed/cancelled. Did not receive a final bill. Did not get a notice stating account was going to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
On XXXX XXXX, 2019 I settled my XXXX bill through The Receivables Performance Management , LLC. I received confirmation account was settled in full. Therefore, I sold my old XXXX phone and the buyer informed me XXXX is trying to collect additional funds in order to unlock the phone for use. I contact XXXX and gave the payment confirmation I received from The Receivables Performance Agency and they told me account is not settled and I need to pay {$270.00} to have phone unlocked. After spending 46 minutes on the phone with XXXX, they referred me to their collection agency XXXX XXXX XXXX at XXXX. XXXX informed me the collection agency can help me resolve matter and unlock phone. I called XXXX XXXX  and XXXX XXXX told me my account was settled in full with XXXX balance. I explained XXXX told me to call and get phone unlocked. XXXX said I need to pay {$270.00} in order to have phone unlocked. I asked XXXX why did XXXX have me contact their collection agency. XXXX said he does not know but in order to have phone unlocked I need to pay additional funds. I ended call with XXXX and called The Receivables Performance Management , LLC XXXX at XXXX EST. The collector stated yes account is settled in full but not to the extent XXXX would unlock phone. I asked her why didn't their settlement letter state that. I told her if I settle a car loan still had the car, the lender would send me the title. The collector stated that is not the case. I told her the agency misrepresented their settlement because no where on their letter stated what she told me. I informed her I was going to file a complaint and she stated OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: SC

Complaint narrative:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

Company response to consumer: Closed with explanation