vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was working for a small business, via an online portal, based in XXXX Texas ( over 4 hours from my location ) and the owner used my information to open fraudulent credit accounts with XXXX banks, XXXX XXXX and XXXX XXXX. The account with XXXX was resolved and subsequently removed from my credit report. However, the Security team at XXXX XXXX did not resolve the fraudulent account and continues to report negative information on my XXXX and Experian credit reports. 
I have documents showing that I do not and have not lived at the address listed on the XXXX XXXX accounts. I have a notarized document signed by the individual who opened the accounts and claimed responsibility for them. I have the case # documented from XXXX County Sheriff 's Office when I reported the fraud. 
Please assist in disputing XXXX XXXX 's claim that I am responsible for the account in question. I have never, and based on this experience ( going on 2.5 years now ) will never do business with XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not receive proof of the dispute investigation from Experian ( XXXX ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available

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 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My complaint is with Experian. 
They are STILL SHOWING : XXXX XXXX, XXXX XXXX XXXX, XXXX, And, XXXX XXXX!!! 
These items are supose to be removed!!!! 
XXXX and XXXX already have!!!, for they were proven wrong!!! 
XXXX!, how much longer is it going to take to get this beuroe to get a grip??? 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XX/XX/XXXX my wife applied for an XXXX XXXX card through XXXX. Instead of assigning her name to the card, XXXX XXXX assigned my name and information. I did n't know about this until I reviewed my credit report earlier this year. This impacted my credit rating in 3 ways ; ( 1 ) a hard credit inquiry, ( 2 ) an impact to the amount of my outstanding credit, and ( 3 ) a reduction in the average age of my credit cards. 
I submitted a complaint to the Oregon State Atty. General, and have received a reply from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ), but am not satisfied with the tone of the letter ( 1 ) implying that they are assisting me as if I was the cause of the problem, ( 2 ) in not providing any explanation as to how they will prevent such actions from happening in the future to me or others, and ( 3 ) assurances that my good credit has been returned to the level it would have been had XXXX not taken such aggressive liberties with my excellent credit and Identification. 
I take my credit rating very seriously, and try to maintain my credit score above XXXX, and have never been late on a payment. As such I take considerable offense when a company such as XXXX is cavalier in abusing my credit, and essentially stealing the use my identity for their monetary gain!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: PA

Complaint narrative:
We get a recurring robocall ( no human ) saying that we owe a debt of {$39.00}, demanding immediate payment or we will suffer " consequences ''. 

By answering XXXX of the calls, I found out that the perpetrator 's website is www.penncredit.com. 

When I talked with him, he told me the address of the debtor, which is miles from where I live. The debt is not ours. But the robocalls continue to come. 

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 2016-03-16 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Charged fees or interest I didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
took a loan out for XXXX spring leaf financial advertised on XXXX website much lower intrest than I am being charged. loan officer never went over intrest rates with me, just monthly payments. after making 3 paymnts, I notified them. was never told about a credit reopt fee. I filled out the app on website. XXXX % plus is the interest rate. also had to put up television for collateral ;. these people knew way in advance about my financial situation. I called them and told them that the interest rate would have to be renegotiated. or I will not pay the loan. very deceptive business practices.i am XXXX vet. would appreciate some suggestions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: GA

Complaint narrative:
I have paid the debt and XXXX refuses to take it off of my credit report, or host an acceptable means of filing a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: OR

Complaint narrative:
In XXXX 2015 my husband 's was behind on mortgage Nationwide advantage mortgage send me a letter to contribute my income wich i did in XXXX while waiting for modification they foreclosed i feel i was discriminated for not using my income i have full time job and income now we have 30 days to move out

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Debt collecter did n't verify collections, no contract, no signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Clearview Resolution Services
State: MI

Complaint narrative:
I received several message from XXXX at Clearview Resolution Services asking me to call him back by a certain time regarding case XXXX. I called left a message for him, telling him I am not the named person for whom he was calling ( asking for a XXXX, I am not a XXXX ) and he never called back. Today, I received a message from XXXX from XXXX threatening to serve me at a specific address or the place of work. He continued telling me that I needed to " sign '' for the paperwork or legal action will be taken. I have no clue what they are talking about nor do I care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I receive calls from a company called Penn Credit XXXX XXXX ALL week, 7 days a week ... from XXXX at night to XXXX on a Sunday morning. They claim I owe {$41.00} to XXXX XXXX House. This is NOT my debt. I called them and asked them to remove me from their call list yet they continue to call and harass me. The name of their company is PennCredit and phone # 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 2017-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I have repeatedly requested that The Best Service Company provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: AL

Complaint narrative:
This debt collection is related to a disputed water bill with the City of XXXX. The original dispute was filed in XXXX and has not been resolved. Timeline of the dispute is : Bill disputed was XXXX/XXXX/XXXX Original dispute was sent via e-mail and phone call XXXX/XXXX/XXXX Told to contact department via phone which I did. Was told to wait while the bill was disputed XXXX/XXXX/XXXX - Sent e-mail that the bill was being review by billing department Follow up sent on XXXX/XXXX/XXXX E-mail received from watershed management on XXXX/XXXX/XXXX informing that the " Your account has been expedited to a Customer Service Manager for further review. Once your account has been reviewed you will receive an e-mail with the results '' Another follow up sent on XXXX/XXXX/XXXX Left property on XXXX/XXXX/XXXX Collection filed by the City of XXXX on XXXX/XXXX/XXXX. Did not receive notice of collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NH

Complaint narrative:
I have a certified letter to them to not contact me before XXXX They still contact me and now are contacting me at work, via email. Also they sent me an email, which I have that says " per our conversation the other day '' here is ... I did n't have a conversation with them, I just called them on it and XXXX people XXXX and XXXX admitted to use this letter in order for me to contact them. My bill is n't even 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GABA LAW CORPORATION
State: CA

Complaint narrative:
In XXXX 2011 I had an accident while using a rental car from XXXX corporation. I was assessed a charge for that accident and paid in full in XXXX 2011 using a credit card. I have both the receipt for the payment from XXXX and the credit card statement showing the payment to XXXX. I also have the credit card statement the following month showing my payment of the bill from the credit card company. XXXX somehow did not correctly record the payment and after attempts to get me to pay the bill again and trying to recharge my credit card, sold the collection to a collection agency, XXXX and XXXX. XXXX and XXXX contacted me and I provided my proof of payment. XXXX year later I was contacted by a legal firm, Gaba Law threatening collection action. I again provided full proof of payment of the outstanding original bill. Now almost two years later Gaba has filed in the local, XXXX CA, superior court a lawsuit for collection of debt. I have tried to work with each of these corporations and provided them with proof of payment with no success. At this point I need to engage legal support in order to demonstrate and counter this frivolous lawsuit. 

Gaba has also filed a credit default with the credit agencies which is false. 

As Gaba indicates that any complaint should be filed with the FTC, the FTC directed me to the CFPB. 

Thank you.

Company response to consumer: Closed
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
We became delinquent on a few of our accounts with Discover back in XXXX and then we made arrangements to have the amount deducted from our account since then and we have never missed a payment. We would call Discover each year and get an interest rate of XXXX for all the accounts. We trusted that they had done this and spent an hour going through this with them each time we called. Lo and behold we notice on our statement that the rates had gone up significantly. We called to ask for a different interest rate and they said there were no programs. Then we called again and again and they would say you need to call again next month. Finally after talking to several people they said they would send us a letter telling us why. We get this letter and it says RECENTLY we revoked your account ... We then called to see why and when did they revoke our account and they said back in XXXX??? Then during the conversation we realize that they had not reduced our rates all those times and we were paying them as if the rate was XXXX and it was not ( XXXX ) and we could have been paying them before other cards if we knew the rate was that high. This went on for several years and I found out that XXXX time they actually put the XXXX for XXXX account. We will never use Discover again. Of all our accounts that we owe from my husbands company going under during our XXXX XXXX we never had anyone treat us this way. NEVER, EVER USE DISCOVER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-29 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I was XXXX years old when we moved to XXXX with my parents. We had to leave the complex because the house cought really bad mold and they never did anything about it. Then they put my parents debt into my credit report when I had nothing to do with the rental agreement since I was a XXXX at that time attending XXXX and they put that debt I my credit report. Now I have a daughter and a family and I need to rent and no one wants to take me because of something that was n't my fault to start with. I called them and they do n't want to do anything about it. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I HAVE SENT THIS COMPANY XXXX LETTER TO STOP CALLING ME AND STOP REPORTING THIS ON MY CREDIT. THEY NO LISTEN TO ME AND I CANS NOT TAKES THIS ANYMORE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
At the time specified on Penn Credit Corp for collection of debt is inaccurate. I was not residing at this address at the time specified on the letter dated XX/XX/<YYYY> XXXX years later after the home is sold I receive a notification that it is outstanding and have only XXXX days to respond. I have since paid the balance to clear the issue but my credit score has fallen from near perfect to very poor/low. The entire process + notification is unreasonable, unfair and a wrongful practice which is unfair to consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, I terminated my lease 2 months early with XXXX XXXX in XXXX, TX. I followed all of the rules in the contracts, and addendum, regarding early termination. 

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX that they were trying to collect a debt of {$1300.00}. XXXX was charging me for a deposit due to early termination. I called and sent a letter requesting that they validate the debt. Their response was a copy of my lease with a letter that stated 'it was validated '. From there, I replied with a letter outlining the specifics of the lease and provided them with a copy of these and the early termination addendum asking them to correct the outstanding amount and validate the debt again. We went back and forth for two months. I had little success and their verbal response was to get a lawyer. 

Because the leasing company and debt collection agency were rude, not compliant and not providing an adequate response, I filed a complaint to the XXXX on XXXX. 

On XX/XX/XXXX I received a derogatory remark for {$1300.00} ( my balance was still being disputed with XXXX and National Credit Services ). 

On XXXX XXXX, I received a letter from XXXX that my balance was corrected to {$200.00} When I contacted XXXX and XXXX on XX/XX/XXXX regarding the derogatory remark on my credit, they would not remove the remark from my credit report. Instead, they would show the balance as paid. National Credit Services and XXXX realty did not provide me with XXXX from the date the debt was validated to pay may balance before affecting my credit. The debt was not truly validated until XXXX which should allow me to pay the debt off by XX/XX/XXXX. 

When contacting XXXX and NCS regarding the above, they lack professionalism by hanging up with me, bullying me by talking over or saying they will disconnect the call if I 'm not calling to make a payment, and telling me that there is no way for this to be removed from my credit report. I have made many efforts and walked them through the process but have been unsuccessful with finding a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: VA

Complaint narrative:
I contact Penn Credit Corporation about XXXX XXXX XXXX collection accounts reporting on my credit report. I acknowledge owing XXXX account, but not XXXX and was concerned that XXXX were reporting, hurting my credit score. I spoke to XXXX, who confirmed that I owe $ XXXX XXXX account only. She stated that Penn Credit Corp reports accounts as they receive and update them, resulting in XXXX collection accounts reporting to the credit bureaus. She also stated that Penn would not remove the second account-acknowledged to be a false collection account-until the first was paid in full. I asked to speak to a supervisor and was transferred to XXXX XXXX. XXXX stated that when an account stays in the office for a certain length of time without payment, Penn Credit Corp assigns the account a new client number and re-reports the account to the credit bureaus as a new collection account, resulting in a false, duplicate second collection account. XXXX supported XXXX 's actions and re-iterated that if I paid my account balance in full, XXXX of the collection accounts would be removed from my credit report. I explained that the false collection account is impacting my credit score and making it appear that I have XXXX collection accounts with XXXX XXXX when in reality I only have XXXX. XXXX indicated that she would file a request for a balance verification. I asked how long that would take and she said she had " no clue ''. I also asked what this would do as I had acknowledged owing a balance. XXXX said it might delete the second collection account from my credit report. In the meantime, I still have the XXXX collection accounts reporting on my credit report, causing my credit score to be lower than what it should be. The original account was assigned in XXXX and has reported since. The false, duplicate account was assigned in XXXX and reported since. At this point, what is to stop them from assigning another client number and reporting a third collection account to the credit bureaus?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have no recollection of this collection. NATIONAL CREDIT SYSTEMS. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation