vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a collection acct reporting on my Experian credit report. The collection is listed as XXXX XXXX. 

I have not received any letter confirming this debt is valid, or belongs to me. Further more, the date of this account is listed as being opened XX/XX/XXXX. Experian shows that this account was last updated XX/XX/XXXX. How was an account updated before it was opened? I do not acknowledge this as valid debt belonging to myself, and the innacuriaces of information contained justify the removal of this item from 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 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed several accounts, several times with Experian and they keep showing it as verified or remains. I have contacted the creditors directly several times for information regarding these alleged debts and they have been unable to provide me with anything to prove these are my debts or they completely ignore my requests entirely. 

XXXX 
XXXX 
XXXX 

I am requesting information on how Experian conducted their investigation into my previous dispute ( s ).

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 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have written all XXXX major credit bureau 's at least 3 times each trying to clear up my credit score. Since their responses are so similarly obfuscating and unresponsive, I believe that they illegally work together! Please investigate them for illegal collusion! 

My credit history used to be excellent until XXXX loans I took out on condominiums in XXXX, North Carolina were defaulted upon. I did sign for these loans, HOWEVER, I was scammed out of ownership of these properties. I do not own them. 
They are owned by my former accountant, XXXX XXXX and his wife, XXXX. That information can be easily checked. ( They were supposed to have been owned by an LLC that we owned equally, along with XXXX other condominiums in the same complex, however that was either not done or illegally undone. ) I diligently tried to work with the XXXX banks originally involved ( XXXX, XXXX and XXXX ) to buy the loans from them or to cooperate with a repossession. The banks recurrently failed to follow through on our ( mine and an attorney ) discussions. 
There were also title issues ( the XXXX condo 's were in XXXX different XXXX buildings for which the legal addresses and the street addresses of the XXXX were mixed. ( " We '' owned all the properties so it should not have been a bug issue! ) I also tried to help resolve this issue and hired an attorney. He too could not get the banks to cooperate. 

XXXX have, recently, resolved XXXX of the XXXX loan issues. I am not involved. 
XXXX XXXX informs me that he is willing to resolve the last loan, but the bank is refusing to work with him, but is trying to resolve the property tile issue. 

I would like my good credit score restored. The credit bureau 's seem unwilling to understand or accept my plight. I pay MY bills. 

I pay the mortgage on my home ( which they bizarrely claim I dispute along with the XXXX loans! ) I pay all my other bills on time. I simply refuse to pay for mortgages on properties I do not own. 

I refuse to accept that my credit score should be impacted by this when the holders of the mortgage debt refused to work with me to resolve the problem and could have been made whole. ; the properties have sufficient equity to fully reimburse the creditors. They just refuse to cooperate and/or act. 

I have lost over {$250000.00} and the banks are not at risk of losing a penny if they work with me or use their legal authority. I should not have my credit history and ratings destroyed because I was scammed and the banks either are ( XXXX of the XXXX ) or can be fully reimbursed. 

Please help me get through to the credit bureaus who are jointly deaf. I want my good credit ratings restored.

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 2017-01-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
Creditors Bureau USA, published invalidated debt to credit bureaus and refused to remove. Per DCPA Section 809 XXXX b ), Creditors Bureau USA is not allowed to pursue collection activity until this debt is validated. 
I requested debt validation within 30 days ( XXXX XXXX, XXXX ) of their initial letter only to find out that Creditor Bureau USA already published collection information with major credit bureaus. The collection agency responded with fabricated invoice containing my information. I followed up with another letter ( XXXX XXXX, XXXX ) requested legal debt validation, however, the collection agency responded with the same invoice containing protected health information ( XXXX ). On XXXX XXXX, XXXX, I made a third request to collection to respond adequately, and I have yet to hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All XXXX credit bureaus, XXXX, Experian, and XXXX are reporting a state tax lien for me, dated XX/XX/2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with this.

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 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I am a victim of identity theft and someone stole and used my personal information to open a XXXX Checking Account : XXXX and Money Market Rewards Savings Account Ending in : XXXX, The accounts are fraudulent, unauthorized and do n't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My Experian credit report contains a wrong home address. Experian says the address was reported by a creditor, so I should contact the creditor and have them correct the information. However, Experian does not tell me which creditor incorrectly reported my wrong home address, so I have no way of contacting the creditor. ( By the way, the address Experian reports for me is fictitious -- it is not a address recognized by the United States Postal Service. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
After several attempts to log in and get my credit report Experian keeps stating they are having tech trouble. Every single time? All the time?

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 2015-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ERC
State: NM

Complaint narrative:
I closed an XXXX account in 2012 due to I have no signal in my house. I returned the cellphones and was charged a re-stocking fees, XXXX credited my account for the amount due to me, later a received an statement reflecting a debt. I returned to the XXXX store and the manager understood the matter and gave me adjustment form and noted the charges did not apply. Some time later I received another statement and returned to XXXX and explained this all over, I got another adjustment form noting I was penalized incorrectly and told me this was resolved. 
Then, At the beginning of this year I received a letter from Enhanced Recovery Company ( ERC ) LLC collecting an amount for ATT, I responded with a package of all documentation exonerating me from the debt. I never received a clearing letter from the collection company XXXX. 
On Thursday I checked my credit score and realized this account is still reported as on collection on the credit agencies. I contacted the collection company ERC and resend all information, today I received an email were ERC says they returned the case XXXX. I call XXXX customer service and financial office and no one help me. I ca n't get to the right office XXXX to clear my name, in the mean time my credit is affected and I ca n't get XXXX to engage in a conversation to clarify this since XXXX representatives told me that they can not help me since the account is close and there is zero balance. 
I need help in having XXXX clearing their mistake and clear my record, since XXXX in 2012 I have tried to correct it and provided XXXX all the information about this matter, no one has even look at it nor responded to me. 

See attachments. 


Thanks, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: VA

Complaint narrative:
I set up a payment with the company ERC and the following week for personal reasons I cancelled my payment.Unfortunately when I cancelled my payment ERC never deleted and still snatched it out of my account.When I called to explain they acted as if I was lying about cancelling my payment.They told me they reversed my payment and in 72 hours my funds would be back in my account.I called up there everyday and they gave me the run around.I heard XXXX different responses from XXXX different people and when they tried to say my bank was holding the funds.My bank had already told me that there was n't anything pending from ERC on my account .When I kept calling ERC back they gave me the run around and kept placing me on hold for periods of time and hanging up on me.It 's going on a week and the funds have still not been placed back in my account all because they did an illegal transaction that I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
In XXXX 2015 I responded to the XXXX, Delaware ( XXXX XXXX ) Citizen 's Bank Branch in response to XXXX $ promotion for opening a checking account. The teller explicitly told me to qualify you needed to keep the account in good standing and make XXXX online bill payments. The teller said that SHE HERSELF WILL POST THE BONUS IN SEVERAL DAYS! Of course nothing happened, and I contacted the regional manager. That manager apologized for the teller and told me even though your XXXX online bill pays were PERFECT ( this qualified ) you must wait 5 months later to XXXX XXXX!!! Yes, a FEW DAYS became 5 MONTHS! So on XXXX XXXX 2015 no bonus was received and I called customer service and the local branch manager - who said " oh you needed XXXX SEPARATE MERCHANTS on bill pay, so you do not qualify. So SERIOUSLY, they mislead me on the bonus payment date, then they mislead me into believing I qualified with XXXX bill pays, then they make me wait 5 MONTHS to tell me I did not qualify - and as frosting they failed to respond and resolve the issue on XXXX XXXX. This bank is DECEPTIVE and possibly PREDATORY, they failed the elementary rule of business - HONORING YOUR WORD. I made a complaint requesting them to execute regional managers statement that I qualified As of XXXX 2015 they have refused to reply or make the deposit of XXXX $ to demonstrate HONORING their WORD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-03 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: ERC
State: CT

Complaint narrative:
In XXXX 2015 I filed complaint against Enhanced Recovery Company. Case # XXXX. During the dispute process, Enhanced Recovery advised they will request documentation from XXXX XXXX XXXX regarding this account. To date, no documentation has been received and the account is still listed on my credit reports.

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
Consumer complaint received 2016-05-14 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: ERC
State: OR

Complaint narrative:
Please have this removed from my account. the date i am showing it was opened is XXXX 2016 Balance : {$1200.00} Collection / Charge-off Open Account Negative Account As of : XXXX XXXX, 2016 Account Details Payment History Contact Info Account Number : XXXX Account Type : Collection Account Amount Past Due : -- Scheduled Payment : -- Owner : Individual Opened Date : XXXX XXXX, 2016 Original Balance : {$1200.00} Original Creditor : XXXX XXXX Creditor Type : Account in Dispute No that is all the info showing on my credit report. I was not with XXXX in 2016. I have been with XXXX since XX/XX/2016 and before that was an a friends account with XXXX. I believe this to be incorrect information and not something i should have effecting my credit report. please have this reviewed and please remove from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
I reviewed my credit reports with XXXX, XXXX and XXXX and found out that Healthcare Collections LLC had been attempting to a collect a medical bill debt for {$880.00} against me. I never received a notice to dispute from the collector or original creditor. I sent a letter to Healthcare Collections LLC on XXXX/XXXX/15 letting them know I dispute their claim under the FDCPA and am allowed to request validation from third party collection agencies. At the same time I sent the collector a letter requesting validation of the debt, I also notified all three credit bureaus in writing that this information is inaccurate. 30 days later I have no debt validation from the collection agency and this information is still reporting on my credit reports and none of the reporting agencies will remove it per my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: OK

Complaint narrative:
I took out a loan from XXXX XXXX for {$400.00}. I was told there would be a {$140.00} service fee but after the loan was complete I received an email showing I will be paying back a total of {$1800.00}. I have to date already paid back a total of {$560.00} but they are still deducting money from my checking account. They are charging an interest rate of over XXXX %. The company has now changed names to Big Picture Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 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: ERC
State: NY

Complaint narrative:
I have sent XXXX debt validation letters to XXXX Corporation. They have failed to respond to my requests. I do not recognize this debt and I would like to see verification of my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I believe PayPal is a fraud. They do not have accurate reporting on their web site. They they slap you with huge finance charges even when the web site says nothing is due. They blame it on the fact that there are XXXX companies XXXX and PayPal Credit but it is XXXX company. They do not allow any grace period One day nothing is due on their wb site and the next day you are overdue. If you pay that same day by XXXX they say there is no grace period. That is against the rules of the California Consumer Protection ACT but they do n't seem to realize I live in CA. So I stopped paying PayPal and watched the balance double every month. When they finally called one day I told them why I was not paying their charges. They said they would remove all finance charges and late fees but there was still a balance due of {$38.00}. There was no balance due. That payment was purely extortion. My bank XXXX is a large insurance company and they did not want to audit PayPal. If they had requested an audit of the charges they would have realized that it was pure extortion. If you request and audit of that XXXX dollars it would be revealing. There was XXXX balance due. Thanks for all your help. -- XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Express Collections, Inc.
State: SD

Complaint narrative:
Continuously call my place of employment despite the fact I have told them not to do so. Scheduled court when I was in the hospital getting XXXX. The debt has been paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
Big Picture Loans has been very dishonest in the way they handled my loan. When I agreed to borrow {$820.00} I was not shown the truth in lending disclosure showing my APR. once I signed the agreement, I found out that the interest rate is 910 %!?!?! If I have to pay these finance charges, I will end up paying {$7100.00} over the next year and a half on an {$820.00} loan. Seems simply outrageous to me. I am appalled at these finance charges and feel that they are unethical in truth in lending. They also say they have a demand feature on my bank account and so it will deduct my account even if I file a stop payment with my bank. This was also not something I was aware if before signing the agreement!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: FL

Complaint narrative:
I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XX/XX/2016 and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC
State: IN

Complaint narrative:
XXXX. I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company

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