vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Financial Asset Management, Inc.
State: UT

Complaint narrative:
I received an installment loan from Check City to cover medical expenses. I was making my required payments and paid off my interest balance. However, I fell into trouble into paying my biweekly payment. My wife had XXXX and was off of work for a month. I tried to negotiate with Check City to allow me to pay my remaining balance of XXXX by making payments of XXXX a month. They refused and demanded I make the required amount of XXXX bi-weekly or they will take me to court. I stressed to them that I was willing to pay balance but I needed some leeway on payment arrangement. I couldnt afford XXXX on a bi-weekly basis until my wife was back at work. They staff told me if you can not meet our expected payment of XXXX bi-weekly we will see you in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
They terminate my Lease, i had a deposit of {$2500.00}, they return me a MO of {$4000.00} that i was made, i give them the house key and everything, and now they said that i owe them {$4700.00}, I will add the document that they send me with the Money. 
Now I have as a collection in 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 2019-05-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
A credit is showing an incorrect original date for this debt. It has been sold and resold so many times that this company has had it twice It has always been under dispute with the original company pending receipt of an original bill to prove charges were all mine The first debt collection was dated XX/XX/2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12 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: MO

Complaint narrative:
My identity has been compromised and so has my credit data, and the only way to understand my true credit worthiness is to dispute the following accounts inwhich is not mines, 1 ) XXXX XXXX {$3200.00} 2 ) XXXX XXXX {$1700.00} And as a resident/ consumer of Missouri and in pursuant to FCRA 611 ( a ), a consumer credit reporting agency who improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data can cause a civil action against themselves via credit reporting agencies. 
I have also requested for certified physical documentation, or as written within the laws of the FCRA these accounts shall be blocked 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 2019-05-12 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: WI

Complaint narrative:
I sent a letter on XX/XX/2019 notifying Transunion that there was fraudulent information on my account and asked that the fraudulent account, including related inquires, be removed from my account. I received a XX/XX/19 credit report from Transunion. The fraudulent account had been removed. However, there are still three related inquiries that have not been removed.

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 2019-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: WA

Complaint narrative:
I hired an attorney to file an application for garnishment and writ of garnishment pursuant to a Judgement I received against XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for {$1100.00} on XX/XX/XXXX. These garnishment papers were sent to PNC Bank , National Association in XXXX, PA attn XXXX XXXX, Branch Manager on or about XX/XX/XXXX. This Bank returned notice to my attorney stating that the account number and name of the account did not match the FEIN we furnished them. The name on the check drawn on this PNC account is clearly stated as XXXX XXXX XXXX XXXX, XXXX and below it the words " A wholly owned subsidiary of XXXX XXXX '' The only other name on the check is XXXX, which is not a business but the name of the US Defense Department Health Care program and could therefore not possibly be the name on the account. My attorney instructed the branch manager to process the garnishment with the account number attached to the following possible FEIN 's as provide by a private investigator : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX There should not be a problem processing the garnishment unless the name on the check does not match the name on the account. If that is the case then the name on the check is a misrepresntation and therefore should not be allowed by the bank. My complaint is that the bank is allowing XXXX XXXX XXXX XXXX, XXXX and or XXXX XXXX to have an account with checks that do not correctly state the name of the account holder, therefore making garnishment impossible. Either that is the case or this bank is giving me incorrect information in an attempt to protect their account holder and prevent the garnishment. In either case this would most likely be a violation of banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
On XX/XX/19 Barclays Bank sent a letter saying my credit limit was being reduced due to a seriously delinquent account and because of high account balances. I called Barclays Bank on XX/XX/19 and spoke with XXXX and explained that I had a fraudulent account placed on my file, and that account was the only account that was delinquent. My existing balances have been very consistent in the usage rate, and I was never contacted by any lender regarding high balances until I received Barclays ' letter. XXXX said that the only way I could get the available balance increased was to pay a substantial amount on the balances. Even if the proportion of high balance to available credit is a concern, the act of reducing available credit creates an even higher percentage. Thus the " problem '' is compounded so Barclays Bank is creating a more significant " problem '' by their action.

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 2019-05-12 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: MO

Complaint narrative:
My identity has been compromised and so has my credit data, and the only way to understand my true credit worthiness is to dispute the following accounts inwhich is not mines, 1 ) XXXX XXXX {$3200.00} 2 ) XXXX XXXX {$1700.00} And as a resident/ consumer of Missouri and in pursuant to FCRA 611 ( a ), a consumer credit reporting agency who improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data can cause a civil action against themselves via credit reporting agencies. 
I have also requested for certified physical documentation, or as written within the laws of the FCRA these accounts shall be blocked immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Recovery Management
State: TN

Complaint narrative:
XXXX XXXX will not stop calling or remove my name or my wifes name from owing them. I have attached a list of creditors from our bankruptcy I would like them to stop calling and remove us from all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Reported negative information to credit report. Debt may be result of ID Theft and is unauthorized, and not mine. My statement to credit reporting agencies is : Personal Statement ( s ) on my frozen credit file since 2017 : XXXX17 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX17.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been a client with Citibank for over 17 years I have a two checking account plus pior student loans that are now close and paid in full They send me Pre approve offer for a credit card so I apply then send me a letter like oh we are sorry we cant approve you at this time They are looking at wrong information and old information on my credit file

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 2019-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Reported negative information to credit report. Debt may be result of ID Theft and is unauthorized, and not mine. My statement to credit reporting agencies is : Personal Statement ( s ) on my frozen credit file since 2017 : XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Perfection Collection
State: FL

Complaint narrative:
I couldn't keep paying the bill, they didn't say that it was a two years contract, when i close my account they say now that have to pay {$2900.00}, for the all system, the salesman that came to my home said that the all system was included in the monthly plan

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 2019-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sign up for experian Boost By experian Like it boosts up your credit sorce base on Your bills Like water and light and phone and internet Link with your checking account I did everything and its not showing up I pay my bills with my checking account I do

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 2019-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Processed a complaint with your agency against ditech financial llc in regards to being sent multiple letters for weeks stating my mortgage is late and going to be put in foreclosure. Account was and is current. Your agency contacted ditech in regards to this and they apparently informed you it's been managed. It hasn't, still receiving letters that the account is late, and late fees are going to be applied. The letter is being generated weeks after ditech is receiving the payment for the account. Also the payment has gone up without explanation on why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: LEXISNEXIS
State: AL

Complaint narrative:
LexisNexis filed a response to my last dispute stating they have removed a bankruptcy from my credit report. Their response also indicates that it was removed due to exceeding the timeframe for verification. They are refusing to admit that the public information was never verified. I have proof of the continual lies. The bankruptcy is still showing on my credit report even after LexisNexis claimed they removed it. The response from LexisNexis states that bankruptcy is verified with the Pacer system. MORE LIES AND I HAVE PROOF!!! There is no bankruptcy listed under my name in the Pacer system. This bankruptcy should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: AL

Complaint narrative:
XXXX filed a response to my last dispute stating they have removed a bankruptcy from my credit report. Their response also indicates that it was removed due to exceeding the timeframe for verification. They are refusing to admit that the public information was never verified. I have proof of the continual lies. The bankruptcy is still showing on my credit report even after XXXX claimed they removed it. The response from XXXX states that bankruptcy is verified with the Pacer system. MORE LIES AND I HAVE PROOF!!! There is no bankruptcy listed under my name in the Pacer system. This bankruptcy should be 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 2019-05-12 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: AL

Complaint narrative:
XXXX filed a response to my last dispute stating they have removed a bankruptcy from my credit report. Their response also indicates that it was removed due to exceeding the timeframe for verification. They are refusing to admit that the public information was never verified. I have proof of the continual lies. The bankruptcy is still showing on my credit report even after XXXX claimed they removed it. The response from XXXX states that bankruptcy is verified with the XXXX system. MORE LIES AND I HAVE PROOF!!! There is no bankruptcy listed under my name in the XXXX   system. This bankruptcy should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: MO

Complaint narrative:
It's challenging enough when your identity has been compromised, but for the credit reporting agencies to continue to report unverified accounts then it becomes an legal issue. I was either told that my previous disputes where verified or they didn't respond at all. However, no account has been properly verified because I never recieved the requested hard copy of documentation for neither disputed account. The credit reporting agencies would say that yes the accounts been verified, however as a general rule of law electronic Verification can not be accepted as proof. Exactly what Method of Verification was used?, who spoken with whom?, what date and time did this investigation take place? Now if you can not provide me with this information then as a consumer I'm demanding that these accounts be blocked immediately from my credit files. 
Accounts to be removed. 
1 ) XXXX {$72.00} 2 ) XXXX {$71.00} 3 ) XXXX XXXX   {$130.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX {$680.00} 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX XXXX {$350.00} 9 ) XXXX XXXX XXXX   {$5700.00} 10 ) XXXX XXXX XXXX XXXX {$3800.00}

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 2019-05-12 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: VA

Complaint narrative:
I was sent a debt forgiveness offer by XXXX XXXX XXXX via mail, I emailed the company to verify if the offer was still available, the offer was : To pay " special offer balance '' of {$2000.00} and my account will be marked paid in full. The company confirmed that the offer was available and provided an address to send the check. I sent a check of {$2000.00} first, then {$26.00} totaling in {$2000.00} in XXXX of 2019. This was a cashiers check from XXXX XXXX XXXX XXXX. 
After paying the balance I waited a month and the company did not update my credit report. I emailed them and they said they would contact Experian but nothing changed. I then filed a dispute with Experian by speaking with a representative over the phone, I also sent the letter that was sent by XXXX XXXX XXXX and a copy of the checks sent. 
Experian completed the dispute as " remains the same ''. I called again, to find out why it was not updated. Experian Rep. explained that it can not be removed and my dispute was to have this item removed. Me and XXXX XXXX XXXX have communicated via email and telephone that the item ( Charge Off ) can not be removed but should be marked paid in full in accordance with the Debt Forgiveness Offer. After verifying again with XXXX XXXX XXXX, it seems as though we are on the same page and Experian is not updating my credit report. I filed another dispute in XXXX and the dispute came back again " remains the same '' showing that the balance was still {$2000.00} instead of {$2000.00} and not marked paid in full. My last dispute was to verify the accuracy of the information on XXXX XXXX XXXX and again explaining my situation to an Experian Representative.

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 2019-05-12 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: MO

Complaint narrative:
I'm demanding that these major credit companies cease it reporting unknown and unauthorized accounts on my credit file inwhich I have disputed. I'm disputing these accounts cause they are not mines and the fact that I been XXXX since XX/XX/2016. I'm asking for signed contracts and any other physical Verification that you have in support of you and your companies that'll solidify your reportings. In my research it is fact that electronic Verification can not be accepted as any proof. So please provide physical documentation or remove the following accounts immediately. 
1 ) XXXX XXXX XXXX {$290.00} 2 ) 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 2019-05-12 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: MO

Complaint narrative:
I'm demanding that these major credit companies cease it reporting unknown and unauthorized accounts on my credit file inwhich I have disputed. I'm disputing these accounts cause they are not mines and the fact that I been XXXX since 2016. I'm asking for signed contracts and any other physical Verification that you have in support of you and your companies that'll solidify your reportings. In my research it is fact that electronic Verification can not be accepted as any proof. So please provide physical documentation or remove the following accounts immediately. 
1 ) XXXX XXXX XXXX {$290.00} 2 ) XXXX XXXX

Company response to consumer: Closed with explanation