vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I got in touch with XXXX yesterday to discuss getting a mortgage. I discovered today that my credit report was negatively affected by my inquiry with them. I do n't understand why I 'm being punished for trying to acquire necessary mortgage information. Checking credit is part of acquiring a mortgage, and I do n't see why people should not be allowed to make any necessary inquiries they want. It 's my credit. I should be able to check it as often as I 'd like and allow it to be checked as often as it needs to be. I do n't understand how something so important to making big decisions in a person 's life can be so easily negatively affected. I want this drop in my score to be expunged!! This is unfair treatment for doing something that is far from any sort of irresponsible behavior!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I mailed my first letter to Experian XXXX XXXX, 2015 and about 20 days later I received a letter from them stating that : " we have received a suspicious request regarding your personal credit that we have determined was not sent by you. We have not taken any action on this request. An future request made in this manner will not be processed and will not receive a response. " I immediately sent them a letter explaining that it was not suspicious and how offended I was by the letter and recieved no response. I called them and gave them a list of items to dispute with explainations. They refused to use my explainations ( verifcation and validation ) stating that they were not valid reasons, they would only allow me to say not mine, wrong balance, wrong account number ... After waiting 45 days I still had no response and once again I called them. They said they had finished the investigation and that I should have received the results but I did not and that they would mail it again. They did and I sent another letter mid XXXX asking them to investigate once again and they refused stating that : We have not taken any action on this request. An future request made in this manner will not be processed and will not receive a response. " Experian is violating my rights and the rights of others to dispute and correct errors on our credit reports. Is there anything that can be done to put a stop to there ridiculous tatics? 

Please help! I can be reached @ XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am writing in regards to Experian. I was disputing a couple items on my credit report and the are not providing me with results. They keep sending me a letter that states " they have inaccurate social security information ''. I have sent them proof of my identity like they asked multiple times and they have not fixed the issue. I have tried to call and none of the numbers will get me to someone. My social is correct and they need to provide results for my disputes and ensure they are reporting accurate information.

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 2016-05-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I am the co-signer for my son 's XXXX private student loans, and I am the primary signer for XXXX Federal loan l, all XXXX loans with Navient. I paid off XXXX of the private loans and the XXXX Federal loan. The Navient website for the paid off loans reflect a paid-off date of XXXX XXXX, 2016. Due to a delay getting the checks to the correct address within Navient, regular monthly payments occurred which in turn, caused the amounts paid to be greater than the outstanding balance. Consequently, there are now credit balances on the XXXX loans I paid off. So I called Navient to inquire about how and when I would receive the refunds of the overages. What I was told is that it would take XXXX to 60 business days for me to receive the refunds. As I found that answer unbelievable, I called Navient more than once to verify that answer, asking each time I called I why it takes so long. The answers were somewhat vague, but in essence they said they had to make sure the account was paid off, after which they would need to generate a paid-off letter to mail to me. The refund amount owed to me is over {$1300.00}. How absurd to have such a long waiting period! What that does is to give them the use of my money and prevent me from having the use of my money. During the XXXX to 60 day waiting period, they still collect monthly payments since the accounts are not officially closed, which means the refund amounts will continue to grow. If I stop paying, then I run the risk to being tagged as late or worse, which in turn affects my credit rating. In my opinion, their delaying tactic is a form of thievery, particularly since they will not pay me any interest for having the use of my money during the waiting period. What do you think?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XXXX/XXXX/15 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I Submitted a Family Court Order From Support Magistrate ; XXXX XXXX XXXX Dated XXXX XXXX, 2015 ( Docket # : F- XXXX, XXXX # : XXXX ) To Experian Asking Them Too Remove XXXX Account Information From My Credit Report. I was Told In The Dispute Answer They Could Not Use The Court Order. I Submitted The Same Order To XXXX and XXXX Credit Reporting, and The Both Removed The Idem From My Report History!

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 2016-01-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: TN

Complaint narrative:
I was hospitalized XX/XX/XXXX. There was a bill for XXXX XXXX XXXX in the amount of {$36.00}. That was paid on XX/XX/XXXX and posted to my account on XX/XX/XXXX. I first learned of this deby when applying for a home loan. I have contacted XXXX XXXX numerous times to let them know that this was not accurate and to please verifiy the balance with the client. Fox Collection refused and failed to follow up and thus knowingly continued to report negative items to the credit bureaus. They said that I had to submit proof of payment I finally had to reach out to XXXX XXXX XXXX and have them reach out to settle the matter. Unfortunately this does not erase the 8 months of a negative collection on my credit reports that was an error to begin with. Fox Collection Company displayed blatant disregard in handling my account. I have spoken to numerous account reps and even left voicemails to the Collections Manager that went unreturned. Unfortunately Fox Collections was wrong when they stated that is was my responsibility to prove the debt was not accurate. In fact I have recently learned that its their responsibility to verify the validity of the debt. At no point have I ever recieved a letter regarding this debt. I would assume that they have the wrong address however despite numerous conversations no one asked me to verify my mailing address. Due to Fox Collections reporting this negative and false collection to credit bureaus this has caused me many issues as a collection looks really bad and lowers my scores and this has even affected my homeowners insurance and car insurance rates as they do look at credit factors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Information not mine. 
XXXXAccount NumberXXXXAccount TypeUnknownTerms1 MonthDate XXXXXX/XX/XXXXXXXX2015Account StatusClosedPayment StatusLatePayment Status DetailsSeriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection departmentStatus UpdatedXX/XX/XXXXXXXX2015Balance $ XXXXBalance Updated-Credit Limit-Past Due Amount {$100.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ACCESS GROUP INC.
State: CA

Complaint narrative:
I have reviewed my XXXX Credit Report and have found multiple issues with out of stature accounts reported as collection charge offs with various creditors as well as Student loans being reported 30 or 60 days late while under deferments. I also identified erroneous billing issues due to promotional interest rates of 0 % for 12 months being billed at 21 % and my inquiry to this with the credit directly goes ignored.

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 2016-06-19 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: Penn Credit Corporation
State: NJ

Complaint narrative:
I was never given a chance to dispute the debt. I did not know about this debt and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
The Penn Credit Corp has constantly been calling my home for some time ( 24 calls since I began counting XX/XX/XXXX ). These are mostly hang up calls that register on my caller ID system. Penn Credit has left only two messages on my answering machine. These messages are vague and require an action from the listener ( " Hello. I have a message concerning important personal business. To receive this message in English, press one. '' ) When I looked this company up, I found them to be a debt collection agency. 
I am a single woman and responsible for my debts and those alone. I only owe money on a mortgage and that is up to date. I have never been late or delinquent on bills. I have never walked out on a debt ( retail, utility, medical, car, taxes ). I can only assume XXXX of XXXX things about the calls from Penn Credit : 1. These calls are for another unnamed person and Penn Credit has an incorrect/outdated telephone number on file. 
2.These calls involve some kind of scam or an illegitimate attempt to collect a debt I do not owe. 
Since I have never received anything in writing from Penn Credit Corp, and I presume that would be the initial form of contact, I believe # 1 to be correct. Therefore, let it be known, that I will never answer Penn Credit 's calls, respond to their messages, or call them back. They have a wrong number on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO

Complaint narrative:
My wife passed XX/XX/XXXX. I was laid off a few months later. I wrote One Main Financial, along with my statement letting them know I could no-longer pay the full monthly amount and would like to renegotiate. I had lost my wife 's income, accumulated medical bills and now was living on just my social security. They ignored my request. I stopped letting money to be withdrawn from my bank in One Main 's name. It did n't take long for them to call me. Once again I asked to renegotiate. They said -I did not fall under their hardship clause. They kept calling me. I explained we would have to renegotiate or I would be forced to file bankruptcy. After several calls they said they would lower my rates to 4.78 % and cut my payments in half. However, I had to return to the office where the account was opened. Over 3 hours where I now live. After several more discussions I was turned over to their corporate office. I was to present proof of income and sign a hardship notice. I did so, in XXXX XXXX, Mo. which was faxed directly to their corporate office. Again I started getting calls saying they never received my information. Again they wanted me to go to the branch where I opened the loan, XXXX, Mo. and resubmit the paperwork. I called XXXX, explained I was 3 hours from them, an hour and a half from XXXX XXXX, Mo. where I was last sent refused to do anymore leg work for them to resolve this matter. Note, I contacted them before we ever got to this point. XXXX XXXX corporate called me the next day. asked me again to go to another of their branches and resubmit everything. This time I went to the XXXX XXXX, Mo. branch. I once again explained my position. I was told they could resubmit my paper work but would still be considered as a credit risk until I paid over {$1200.00} to be caught up on my payments. This is n't renegotiating! I did submit the paper work again, they lowered my rate to 8 % and my payments to {$150.00} per month for 24 months. At the end of this loan I will have a balloon payment for the remainder. I turn XXXX in XX/XX/XXXX. I doubt I will ever get this completely paid but will do everything possible to keep my end of the agreement. My complaints are simple, 1- I notified them early and before they contacted me so an agreement could be reached. 2- I did all the leg work driving hundreds of miles trying to get a branch that would work with me. 3- Once the loan was refinanced my credit should have been restored to a good standing. 4- They and their branches lied saying at times I never showed, which I did, found out they only keep out of branch paper work a few days. The same as calling me a liar. 5- Each branch gave me a different amount to pay to get out of the rears or get a lower rate. XX/XX/XXXX I let them into my account to remove a payment of {$330.00}, this month the payment should be {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 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: IA

Complaint narrative:
I 'm XXXX years old and just did my first real credit report and discovered a {$590.00} collections on my record from a joint bank account I opened with my parents with XXXX XXXX XXXX XXXX when I was XXXX. I do n't talk to my parents anymore, nor do I bank with XXXX XXXX XXXX XXXX, so this was complete news to me. I have never been contacted about it and have no idea when it is from or why it is. 

Since Monday I have tried to contact the collections agency it is under, " The Best Service Company '' for a validation letter to understand it, and all of the phone calls end up being on hold for more than thirty minutes to the point where I can no longer wait because of my life getting in the way, and the website gives me a " Fatal error : Class 'Mail ' not found in XXXX on line XXXX '' when I try to fill out their form to get them to contact me. I have tried contacting them eight times since Monday and so far nothing besides getting bounced around and the error message on the website. I would really like to get this issue resolved because the nearly {$600.00} outstanding debt is obviously a bad mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I asked for {$1800.00} they approved me then when I went to sign the paperwork it said loan was for {$2600.00}. I told them I did not want {$2600.00} they told me that I needed to take it or they would have to re approve me and draw up new paperwork which would 2 weeks. So I signed the paperwork. After 16 months of paying them over {$200.00} I had more than paid off the original loan amount and my husband left me. I could no longer afford to pay this so called and tried to renegotiate with them. At this point the lady got extremely hostile and rude towards me and all but called me a beadbeat. So I stopped paying it. Now 8 months later their debt collector is suing me for {$2600.00} plus attorney fees which I can not afford. Need help with this and their illegal lending practices.I 'm

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 2017-03-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
A XXXX XXXX keeps calling me from XXXX and calling me a loser when all I am doing is trying to get their address to give to my attorney. I keep getting hung up on and called names when I am just trying to get their address and company name. It 's for a Cashcall loan that is n't even on my credit report anymore

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 2016-04-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Recovery Management
State: TN

Complaint narrative:
XXXX XXXX XXXX Acct # XXXX. This debt has been disputed previously. Fox collections has since re-aged the debt by applying a payment to the account. I have never made a payment to this account either through Fox, or the client. Fox says I made a payment through their client XXXX XXXX XXXX last month for {$50.00} ... This is impossible since the practice has been closed for a few years now, the new practice is not collecting or servicing XXXX XXXX 's debts and XXXX XXXX is deceased and I am disputing this debt. I called and explained to Fox collections that I was making payments to XXXX XXXX and that they accidentally sent this to Fox for collections. Fox created XXXX new accounts for XXXX XXXX : XXXX with acct # XXXX and XXXX with their parent company info for # XXXX each for the same amount of {$190.00} balance. XXXX associates pulled these XXXX erroneous collections back due to their mistake and I received a letter from Fox stating they would be removed and XXXX XXXX was. Now the XXXX XXXX XXXX account # XXXX is showing a payment.I have not completed my validation of this debt and have never made a payment on it. Fox refuses to correct this issue and to contact XXXX associates to verify. I believe that Fox is attempting to re-age an old collection, which is illegal reporting.

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 2015-12-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Management Company
State: FL

Complaint narrative:
I get this account bill to my house, I had Medicaid coverage, bring the bill to the department of Children and Family, send them a fax in XXXX occasions so that it will be settled, then no receive any information about this situation, checking my credit report I find this account, seeing it reported I contact with the company I explain the details of my medical coverage respond to what it was late because he had already reported that if could remove called before being a communication error between the hospital and the agency, requested delete it from my report I paid already the same, I not responsible for data error that did not occur correctly between companies at the right time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief