vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Paid in Full Collection with XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. This account has been disputed for incorrect reporting with XXXX to Experian and XXXX. It has been verified as correct. This account, XXXX, had a filed complaint with CFPB, it has been verified as correct. XXXX states that their information is correct and any errors are with the Credit Reporting Agencies, Experian and XXXX. 

XXXX is listed as a Factorying Company. It is listed as Terms : 1 Month. 
Per this case law, XXXX v. XXXX XXXX XXXX, Dist. Court, XXXX Arizona XX/XX/XXXX : [ XXXX ] XXXX argues that XXXX ' debt was not " in default '' at the time XXXX acquired it, and therefore XXXX is not a debt collector and not subject to liability under the FDCPA. 
[ XXXX ] This exemption places the factoring of accounts receivable outside the scope of the FDCPA, thereby leaving a factor in the same position as the original creditor, had the creditor not sold his accounts receivable to the factor. By excusing factors from compliance with these regulations, the FDCPA respects a common method of business financing. 
The FDCPA defines " debt collector '' as " any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. '' 15 U.S.C. 1692a ( 6 ). Exempted from this definition, however, is " any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity... ( iii ) concerns a debt which was not in default at the time it was obtained by such person. '' Id. 1692a ( 6 ) ( F ) ( iii ). 

According to the CDIA, they have the option of reporting an Account Type of XXXX-Collection Agency/Attorney or XXXX-Debt Buyer ( which undoubtedly shows as Factoring Company in consumer reports ) XXXX incorrectly choose to report as type XXXX instead of XXXX based on the information in the reporting guidelines. If reporting as a type XXXX changes the value in a credit score more so than reporting a XXXX, that would be an incentive for them to mark it that way because that could significantly cause poisoning of reports.

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 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have extended fraud alerts on my report I faxed police reports to fraud department Yet items remain

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 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
reporting agency can not find/locate 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 non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a copy of my credit reports and noticed some erroneous items on my credit reports. After reviewing my records I could not find any documentation of any contractual relationship between me and Midland Credit Management Agency who reports and represents a Credit Card Company. 
This is not a request for verification or validation. This is a request for strict proof of a copy bearing my signature. I have sent certified letters dated XXXX/XXXX/XXXX and another on XXXX/XXXX/XXXX to provide me with a copy of an original application with my signature but to no avail. MCM Inc insists that I have a charged off amount totaling {$810.00}. To show how irresponsible and negligent they are, in their most recent response I received an invoice belonging to another consumer, which is presently in my possession. They have violated the FCRA and at this point and time they must delete all negative items from their report. I will not upload this consumer 's personal information until I get a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian : - i got turned down for a loan due to low credit score - got free credit report ( annual from all XXXX agencies - noticed a lien on all three - I was able to remove it on all but experian ; I tried to upload proof of the error - I canceled check that had the case number and all the relevant ( both sides of the check ) info that was generated by my bank, the upload kept failing due to the wrong file format ( even though the file format was correct as i am a XXXX ) then I mailed a copy of the proof along with copies of my drivers license, SS card and a utility bill to experian on XXXX XXXX 2015 and I have not heard back, in the meantime my fico score has dropped XXXX-XXXX points and I have been denied a loan. 
I am about to send them another letter via certified first class mail in hopes to get them to investigate the issue, ( which they have not done ) - I have attached the proof of payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I filed a chapter XXXX and a civil judgment is still being reported on my file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I attended XXXX XXXX in 2012 and they did n't not tell me that I was signing up for student loan, i was first to get my XXXX which I never did. So I got charged for a student loan that I never finished or even got a XXXX, and they signed me up for college! Now I have a XXXX debt on credit score for something that 's was not explained to me. If I new that I would have never sign.

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 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have had a long standing negative account with XXXX, I have paid this in full long ago and in doing so the collection agency hired, agreed to delete the account from my credit report. I have faxed over the documentation more than once, but was told to deal strictly with the collection agency, after numerous disputes, despite documentation XXXX was provided, they are not doing anything. I disputed this already once, even the statue of limitations in Michigan is 6 years, the credit reporting agencies status was " XXXX XXXX .... 
PLEASE CONTACT CREDIT XXXX AT -XXXX-this was all I got. I feel like we are going in a circle over and over again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I had a mortgage with XXXX ( XXXX XXXX ) that was transferred to another lender XXXX XXXX XXXX ). XXXX is reporting I was XXXX days late on my credit report. I signed an agreement to start trail payments with XXXX XXXX and the payment was higher then what the actually mortgage is. I have never been late with XXXX as agreed. I also asked to have XXXX removed from my credit report because it has been 7 years since I defaulted on the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Security credit services was put on Experian right after deleted from XXXX. Found this out when my score dropped. Tried to dispute but instead of contacting the company direct they send a third party company out to check on disputes and the item never gets removed proper. I have went through this before with Experian.

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 2016-02-10 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: VA

Complaint narrative:
XXXX XXXX failed to correctly file medical bill with XXXX. Filed with XXXX in wrong name. Account was sent to a collection agency Receivables Management Systems. I made calls to XXXX XXXX and learned they had not put my name as it appears on my XXXX card and XXXX would not pay the bill. Consequently, due to XXXX not paying our other XXXX insurances rejected the claim as well. 

We have XXXX and XXXX. However, if XXXX denies a claim for any reason it is rejected by the secondary and third insurance. 

I have also learned even though I spoke to XXXX XXXX in XXXX, XXXX, the file was not resubmitted until XXXX XXXX. This caused the Receivables Management Systems to continue to carry the bill as a collections. 

I spoke to XXXX at Receivables Management Systems before the account was added to my credit file and let her know that the bill had not been properly submitted for payment. She said she would wait to hear back from XXXX XXXX. But the account was still placed in collections and sent to the credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am having issues with Experian. I am trying to get a hold of them because I have an identity theft issue that I have been dealing with. Around XX/XX/XXXX or so I sent in a copy of my identity theft police report due to my personal information being used to open up fraudulent accounts in my name. I found on my report a fraudulent account that was established with XXXX XXXX XXXX XXXX, and XXXX XXXX Account # XXXX. I have tried to get through on the automated system to speak to someone and I have not been able to get a hold of someone but it tells me my report number is not valid. I tried to communicate with them through the online upload portal and the site is giving me a mail in form. I need to get these XXXX accounts removed from my credit report as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I lived at a Apartment in XXXX until XXXX when I moved out I had a {$0.00} balance. I am in the process of trying to buy a house and this apartment is on my credit 3 different times.I called National credit system to resolve the matter and they do n't want to meet me half way.I first offered XXXX dollars and they said complex would n't accepted it so I came up with XXXX and still would n't accept that either so I need help. please ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bayside Capital Services, LLC
State: WI

Complaint narrative:
Threatening me with serving of papers. Will not provide me with written validation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
Had no idea I owed the Debt Collection Company any money for an apartment that I rented. When I moved from the apartment I owed no money to the apartment complex. Balance of {$830.00}. The apartment company attempted to collect money of which I do not owe, never presented me with a full break sheet showing me why i owe the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I lived in XXXX XXXX XXXX for two years and have been having problems with them since before I moved out in the end of XX/XX/XXXX. I paid my rent early more than XXXX time and XXXX of the times they tried to evict me for unpaid rent. I have every rent receipt from them starting from XXXX - XXXX. My car was broken into XXXX times on their property, before I moved out someone broke into my apartment while I was at work, I have police reports for all of these things as well. After my apartment was broken into they put a note on my door saying I owed {$100.00} for unpaid rent. I am on XXXX, so that is why you will see different amounts. But I attached my run down from XXXX, so even if there was unpaid rent due I would NOT owe the full amount. And if I did even owe them a full months rent that would mean I would have had to not pay my rent for more than one month. And if I did n't pay more than one months rent why was I NEVER evicted? Why are they coming after me for the full amount and not charging XXXX XXXX for not paying their portion? Cause it 's a false claim. They sent my name to XXXX collections and I asked them to prove the debt they sent me a bill & I sent them my proof. They left me alone and a year later another collections agency is trying to collect from me. They have reported this to my credit which is effecting 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 2016-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: VIP Mortgage Inc.
State: TX

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I would like to report a fault loan on my loan officer XXXX XXXX. VIP Mortgage INC. 

I was unemployed on XX/XX/XXXX. The house I wanted to purchase is located at XXXX XXXX XXXX XXXX, TX XXXX with the price at {$140000.00}. I asked XXXX XXXX if I could purchase a house with 10 % down while I am unemployed. XXXX XXXX XXXX looked through all of my income tax XX/XX/XXXX & XX/XX/XXXX and he said yes. He sent me an approved loan letter with qualify amount of {$150000.00}. I signed a XXXX XXXX Sell and was supposed to close the house on XX/XX/XXXX with the price of {$140000.00}. During the whole time of waiting for the loans to get approved, I kept follow up with XXXX XXXX regarding my loans status. He reassured me that I was qualified to buy this house. 
When it times to close on XXXX XXXX he said my debt ratio was too high. He wanted me to sign another amendment extension to XX/XX/XXXX. He told me if I can have another person cosign with XXXX % down then for sure I will get the house. I asked my sister for help. I came up with XXXX % down ( {$21000.00} ) with my sister cosign. By XX/XX/XXXX he said the under writer did n't approved the loan because my debt ratio is too high. By then, I have passed the dead line of 25 days from XX/XX/XXXX contract signed. 

On XX/XX/XXXX I have to signed away my {$1400.00} for Earnest Money to the seller because my loan was disqualify and my contract was over 25 days limit. I am very upset because I lost my {$1400.00} Earnest money and {$610.00} for the appraisal. Total I spent was {$2000.00}. As a professional loan officer, XXXX XXXX should acknowledge that if a client has a high debt ratio and unemployment at the same time then he should let his client know upfront. I was misleading by XXXX XXXX. I want to hold him and his VIP Mortgage Inc. an accountable for {$2000.00} that I lost. I want XXXX XXXX and his mortgage company to refund me the {$2000.00}. 
I need that money to support my family while I am unemployment Would you help me to get refund my money. 
XXXX XXXX works as independent broker. 

XXXX XXXX - buyer XXXX XXXX XXXX . 
XXXX, TX XXXX VIP MORTGAGE INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Loan Originator Identifier XXXX VIP Mortgage Inc. 
Loan Origination Company Identifier XXXX ( P ) XXXX ( F ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
We are behind by 1 day on our personal loan from Onemain Financial in XXXX Pennsylvania. They call myself, my wife, and my mother ( whom does not live with us ) normally 20 times or more per day each. They have been doing this for four months now. They use multiple numbers, we have asked for them to stop harassing us they always get their money it 's never more then 21 days late ( 1 time ) mostly 7 days late, because they do n't allow us to change our due date. We make our payment which is supposed to be {$240.00} but we pay {$250.00} to allo {$4.00} to go towards the principal. He keeps telling us we are two months behind, however we are not. The calls start the day the payment is due and continue until the payment is made. We have had legal action threatened against us for being 1 day late! He told me that there was a {$7.00} charge that causes their system to assume we are 2 months behind but since we pay {$4.00} more every month that charge should n't exist. It 's more then a " system '' thing they physically dial the numbers and intentionally harass us because we do n't answer their numerous calls after we tell them when we will make our payment A date and time is given but the calls keep coming 20 or more times per day each.

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

Complaint narrative:
I saw an entry on my credit report from National Credit Systems. I wrote them a letter and they never responded to me, they only updated my credit report that I owe {$59.00}. I then researched the internet for the company and found them online. There is a section that allowed me to put in my social security number and the amount owed as listed on my credit report. It would not accept the information to allow me into their system. I have attached a screen shot of the information as listed on my credit report and the section in red the keeps asking me for valid information. As a result of this company not responding to my letter and I can not enter their system to verify this account how can they report on my credit repot that I owe this debt? And if I do owe this debt they are not communicating with me or allowing me into their system to verify this. It appears they just want to report negative information and can not verify to me I owe this debt. They are violating my rights and reporting false information on my credit report to damage my financial character and causing me XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
i was contacted by national credit systems inc they informed me they were collecting a debt on a defaulted apartment lease XXXX. i informed them i have lived XXXX all my life and then filed a police report and mailed it to them via certified mail. They keep sending me bills demanding that i pay them {$3200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 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: AR

Complaint narrative:
National Credit systems claims I have a debt from breaking a lease at an apartment I lived in in 2012. The amount that is being said I owe is over XXXX $ When I contact the credit company they can not tell me or show me in my lease where I am obligated to pay for rent even though I gave a 30 day written notice. I was under the impression that if I gave the apartments a 30 day notice that was all I had to do. The credit company can also not see where it says in the copy of the lease that they have obtained that I would be required to pay for these months. They have called and requested more information from the apartment company to no avail. After many conversations with a supervisor, i made a phone call to National Credit Systems to get more information today and requested I speak to the same supervisor I have been speaking to, however I was transferred to a representative. When I tried to stop the representative and tell him I was working with a supervisor he proceeded to scream in to the phone numerous times that " I was rude '' When finally in contact with the supervisor she stated to me that the information requested from the apartment complex was just to " do me a favor '' not because they needed the information to verify this was correct information. She then told me that I could call back after I receive a letter from the apartments. This information is not correct and is affecting my ability to purchase anything.

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