vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have requested from this company three or more times strict proof of charges on this account. I was not receiving statements from the company and have requested statements to no avail. The company keeps changing their collection agency and has been putting negative on my credit report when the seven ( 7 ) years expire they change the dates and amounts and put another negative on my credit report by allowing another firm to place this same account with different amount of debt on my credit report. This is an ongoing request that has not been satisfied by XXXX XXXX, I have yet to receive strict proof of any charges that I owe. I have submitted on several occasions disputes and request for strict proof of debt via certified mail. I have yet to receive statements with proof of debt. XXXX XXXX stated that no statements have been returned, of course not because none was sent out in the beginning. Per the office manager at their local office on XXXX, which has since closed, the corporate office is responsible for sending out these statements and the request would have to made in writing. I do n't understand how I was paying via online system and the payments were being accepted ; however, no statements were being mailed to me. I also had my attorney to request this information to no avail. I had a request from my State Attorney Generals Office regarding this matter, so if I was trying to avoid payment I would n't have responded to their request. I have paid off several accounts but I received strict proof of all charges and saw where my payments were being applied. XXXX XXXX feel like they are exempt from supplying me statements regarding this account, they also allowed a third party to produce a new statement that was based on the information the collection agency wanted to charge me. This was not a true and factual statement but a new statement from the collection agency. I need strict proof of all charges and statements from XXXX XXXX and for the negative marks on my credit report to be removed for the time has expired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL

Complaint narrative:
we applied on line for a loan with a company called community choice financial, they said we were approved, so the XXXX thing they wanted us to do is open up a checking account with XXXX bank, because that 's the only bank they deal with, also XXXX we opened up account to call them back, so we opened up account, called back they, then they said to go back to bank they would deposit XXXX dollars out of the XXXX we were getting, with draw the XXXX go to a money gram place and they would tell me where to send it, I ask them why pull out then send it back, they said it shows them good faith on paying back the XXXX dollars XXXX many red flags ). they were suppose to be in XXXX but the address on the application is XXXX, so we web searched the XXXX address got a number called, explained to them why we called they said never heard of them XXXX red flag again XXXX and then we contacted you. also they would not give me a lic. #. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There was a medical bill placed on my credit. I contacted the insurance company and they paid the bill to the collection agency. I filed a dispute to have it removed from my credit report. The collection agency sent me a notice on XXXX/XXXX/XXXX that this would be deleted from my credit. It has been 60 days and I checked my report and it is still there. I submitted another dispute on XXXX/XXXX/XXXX to Experian ( XXXX ) to have this deleted and offered the paperwork. I was sent a response in & lt ; 24hour by Experian telling me this will remain on my credit up to 7 years. I have also submitted disputes to XXXX for the same cause. The reporting agencies have refused to remove this from my credit report even though the debt was really due to the insurance company and not my failure to pay the bill. The insurance company has satisfied the debt so why am I continuing to be punished. This process has delayed me from obtaining a mortgage credit, whereas I have not had this problem in the most recent past.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to my Experian credit report number XXXX dated XXXX XXXX, XXXX, the XXXX XXXX account number XXXX ... ( XXXX ) indicates in the 'Status Details ' section that " This account is scheduled to continue on record until XXXX XXXX. " According to my Experian credit report number XXXX dated XXXX XXXX, XXXX, the XXXX XXXX ... indicates in the 'Status Details ' section that " This account is scheduled to continue on record until XXXX XXXX. This item remains unchanged from our processing of your dispute in XXXX XXXX. " I have disputed this credit item with Experian several times to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have called in to experian multiple times trying to get in touch with a special handeling agent. multiple times i was told that they were unable and/ or simply refused to transfer me. I found XXXX companies that had done hard inquiries into my account without my permission and wanted to report this. after multiple calls and multiple agents being belligerent, i finally was transfered and was told that there was XXXX accounts ( total of XXXX inquiries that would be removed and a temp credit lock would be placed on my account so i can investigate further. The accounts were not removed, nor was the lock placed on my account ( now putting experian at risk should anything else come up. ) I also sent letters to the XXXX companies that had performed the inquiries illegally and asked for validation as to these being legitimate. none of the XXXX had gotten back to me in the 30 days required by law.

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 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
please remove this account it over 7 years so please. i have ask all XXXX credit reporting agency to remove to no evail.this account was open in 2007

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 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I paid XXXX XXXX XXXX for a XXXX Collections for XXXX XXXX XXXX on XXXX XXXX and they sent me a letter of confirmation however they are still reporting that I owe this money on my credit report. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Partial Account # XXXX ... 
Address Identification # XXXX Original Creditor 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 non-monetary relief
Consumer complaint received 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX XXXX XX/XX/XXXX REMOVE XXXX XXXX XXXX INQUIRY FROM MY REPORT. 
I DO NOT HAVE CREDIT WITH THEM I NERVER APPLIED FOR CREDIT WITH THESE PEOPLE. YOU GAVE THEM ACCES TO MY CREDIT REPORT WITH MY PERMISSION DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

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 2016-10-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I 've placed a fraud alert on my account, yet Experian continues releasing my report to companies that do n't meet the criteria for a report release such as fair use. These inquiries must immediately be deleted because they are damaging and illegal.

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 2015-03-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Someone else is trying to be me n using my info

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX i have asked for a payment history over 60 days ago and i believe the late payments reported are incorrect. XXXX 2012, XXXX 2012, XXXX 2012, XXXX 2012 and XXXX 2012.

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 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I got a letter from experian credit company letting me know that someone had hacked XXXX system stilling information like Social Security date of birth so for that happening they offered me free identity theft I have not had a phone since XX/XX/XXXX XX/XX/XXXX through XXXX but someone has tried to get a phone of XX/XX/XXXX in my name they also tried again in XX/XX/XXXX XXXX bill is for {$490.00} the other bill is for {$2200.00} and this is not me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has a collection account on my credit report. The information is incorrect and I do not owe anything. I filed a dispute with them before and they did not properly investigate the matter. I filed again recently and I am trying to speak with someone from the company. I have call records that show I attempted to call on more than XXXX occasions and they keep me on hold for long times and eventually the call is disconnected. When I asked a representative to give me a direct number to call the dispute department because I keep getting disconnected after long hold times he stated " we do not have a direct dispute number. '' I was told that I just have to call the general number and be transfered. I have yet to have a single successful transfer. When trying to file an online dispute they have a XXXX word maximum to describe what happened, that is just not enough to describe what happened and how much damage this is causing. The account is charging me for a lease break and a new carpet for my old apartment. I did not break my lease I was evicted. I should not be charge for a new carpet. When I moved in the carpet was already very old. I paid my security deposit and an extra pet deposit when I adopted my dog, and I paid dog rent as well every months. I did not get any of the deposits and after living there for a year with an animal on an already old carpet, they company had to replace the carpet regardless, but I will not pay for them to remodel.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Recently, I disputed item XXXX XXXX with Experian based on a plethora of inaccuracies. Incredibly, Experian has verified that all information being reported is correct. Pursuant to FCRA 611 ( 7 ) I made a request to understand just how Experian was able to verify this incorrect information. Item was sent via XXXX Certified mail label XXXX and was delivered to Experian on XXXX XXXX, 2015. See XXXX. Experian has failed to respond to this request within the required 15 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I wrote all XXXX credit bureaus : Experian, XXXX and XXXX asking them to verify through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. I demand to see verifiable proof ( an original consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof you must remove the accounts listed in my letter. However, their only response is that the accounts were verfied by the creditors but they still have not sent me anything showing me proof nor with my original signature That 's because they do n't have anything to send, so these accounts must be deleted a.s.a.p. I am a litigious consumer and know my rights. I am seeking legal actions.

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 2016-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My loan was transferred again and I got a notice that with the transfer I had 60 days where I would not be penalized for late payment, or be reported to credit agency. Well I took this as an opportunity to refinance because the previous loan servicer ( XXXX ) had messed up my escrow ( they had doubled it and when called I was told I just did n't understand ) and with lower interest rates I thought the timing was good as well. I was with in 60 days when a credit agency called me and Loan Care on three way and that is when a Loan Care money collection agent ( which phone call was recorded ) reported that I was late on my payment and no payment had been made. I told her that what she did was a violation of my rights and she became rude and asks to get off of the phone. I feel that Loan Care violated laws to protect the consumer, and tried to bully me so that I would have to stay with them or refinance with them. I am tired of large mortgage companies disregarding the laws, rules, and regulations which are there to protect the common consumer and feel that something needs to be done to get Loan Care to realize that there are repercussions from breaking these rules.

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 2016-11-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Falls Collection Service Inc.
State: IL

Complaint narrative:
I went on line and noticed that financial controls solutions had put a collection remark on my credit reports. This is the same collection that XXXX is trying to collect on ( but will not validate ) and XXXX is trying to collect on ( But also will not validate ). financial control has not notified me in writing that they were going to try to collect, and i have never done any business with them, nor have i signed a contract or owe them any money. I have requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. they have been shady and have not followed the rules set. they can not be trying to collect an account that is active with another collectin agency and they must by law give me a chance to dispute the account ( which i will through court ) before hitting the credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
I called in to make a PRINCIPAL only payment to get my loan balance under a certain dollar amount so that I can be approved for a HELOC. I verified 3 times with the person on the phone that the payment is for principal only, and that conversation was recorded. I check my statement and I see that {$320.00} was escrowed and should not have been. My payments have all been on time, and my escrow is on a schedule as well. I made this PRINCIPAL only payment on XXXX and I reiterated the fact that I will be calling again to make my scheduled payment, that this payment has nothing to do with my scheduled payment in any way and it is for principal only. I have been in contact with supervisors who assure me they are working hard to correct their mistake, that they are just busy. They have been 'busy ' for almost a full month now and this has caused a number of issues with my financial planning not to mention the extra interest on this account charged as well as the other 3rd party accounts I planned on paying off with my HELOC. The approval to fix the mistake was issued on XXXX/XXXX/2016 and today is XXXX/XXXX/2016 and I am still waiting. I have made multiple attempts since then asking about when the was going to be corrected each response has been they are busy in the department that handles it. Even if this is fixed at this point, the damage has been done and there does not appear to be anything that I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I graduated from XXXX XXXX 2015 Navient was after me the entire time for payments while i was a student im sure the interest was piling up ... .i contacted them sent in payment stubs and gave my info to get on the income driven repayment plan ... .they said it would be {$0.00} but said if anything change let them know ... .they still sent emails to me saying payments were due even though i was suppose to be on this plan ... .now im in default and i was suppose to be on that plan ... .i did what they ask now i cant qualify for any grants because of this default and i want to return to school ... .i thought as long as you were a student you didnt have to make student loan payments ... .what do i do i got a lot of emails from them with all kinds of different payment amounts that were due ... .i tried attaching them but no luck give me an address and i will happily print them out and mail them or fax them in

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
Received a collection letter. After googling the name of the company that claims that I owe them for medical services, it appears this company is located in Fl, which I 've never been to. In addition, it appears they 're a XXXX office, I do not have children. On XX/XX/XXXX I replied to their XXXX requesting information on the services im being charged for including date and place. On XX/XX/XXXX I received a 2nd letter, which is the same as the 1st one. On XX/XX/XXXX, I called the XXXX and in order to verified the acct or provide any info they requested my ss # and birthdate information which I refused to provide. I spoke to a rep name XXXX. I checked my credit report with all XXXX bureaus, and it shows XXXX collections. Please investigate, as I am 100 % sure this is just a scam.

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 2016-12-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
They have been notified that I receive student loans and they are trying to garnish my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
ATM card stolen. Bank not honoring law regarding burden of proof and reporting requirements. Action will also be filed with the Office of the Comptroller of the Currency.

Company response to consumer: Closed