vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: WA

Complaint narrative:
Six months ago I submitted an application for a loan modification after I had XXXX problems and XXXX renters who gravely violated the lease with not paying their rent, leaving debris and garbage all over the yard, inviting other folks to live with them, bringing in a trailer for even more people to live in, growing drugs and destroyed the electric meter by trying to slow it down. Spending over three months and expensive attorney bills to get them out, another month to clean and repair, replace appliances and find new tenants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian will not let me dispute incorrect information on 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 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
1. in XXXX XXXX, i had to file for chapter XXXX bankruptcy due to the housing market crash. my bankruptcy was discharged in XXXX XXXX all XXXX credit reporting agencies kept the bankruptcy on my report for an additional year ( should have been removed XXXX XXXX, was not removed until XXXX XXXX. 
2. I submitted a letter to all three agencies about a mistakenly charged child support payment that was never finalized signed by XXXX and XXXX of them still have not removed it from my report. 
3. I had to short sell my house and was told that it would fall off of my credit report 2 years after the last late payment. XXXX of the agencies have dropped it, a XXXX has not. 

all XXXX of the agencies have been seriously negligent in correcting these issues and i have filed disputes constantly. when i called to find out why my credit scores were still so low, they told me it was because of all the disputes i had filed. so my credit report is supposed to suffer because i am complaining that they are not doing their jobs? 
i really need some help with this as soon as possible.

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 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I went online to Experian.com to get my annual free credit report. After my report was generated, the website had an option for me to get my credit score for {$1.00}. I ordered the credit score for {$1.00}. I just looked at my credit card bill and not only did Experian charge me the {$1.00} on XXXX XXXX, 2015, they also charged my credit card an additional {$21.00} on XXXX XXXX, 2015. I called Experian today, XXXX XXXX, 2015, to find out why they charged my credit card {$21.00} and was told by XXXX ID # XXXX that the charge was for their credit monitoring service. I told her I never signed up for that service and wanted my money refunded. She said she could cancel the service, but the charge was a legitimate charge and could not be refunded. I told her I never gave Experian permission to charge my card for that service or sign me up for that service. I asked her to transfer me to her supervisor. She supposedly got a supervisor, XXXX ID # XXXX, who sounded exactly like XXXX. I told her I never signed up for the service or gave permission for Experian to charge my credit card for a credit monitoring service, only the {$1.00} for my credit score. I told her I wanted my money refunded and she told me it was a legitimate charge and they would n't refund my money. I asked to speak to a manger and she said she was the highest one there for me to speak with. I told her she sounded exactly like the other lady and I was going to report Experian. I also told her how Experian was a scam because they had my credit score so much lower than all the other credit reporting agencies and had wrong information on my credit report, which I 've already disputed, now they are charging me for a service I did n't sign up for. A thorough investigation needs to be done on Experian. I believe they are lowering consumers credit scores really low to try to get people to pay for their credit monitoring and if they ca n't get the consumer to sign up that way, they illegally enroll the consumer without them knowing by offering them their credit score for {$1.00} and then continue to charge their credit card for a credit monitoring service. I want a full refund and a complete investigation into Experian 's unscrupulous and illegal practices. By law, consumers are entitled to get a free annual credit report, but when we go to Experian to get the report, we are scammed into paying for a service for which we did n't want or authorize to be enrolled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-28 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:
The credit reporting agency did not forward proper investigations about this medical debt. 
Remove this from my credit report immediately. This report requires provisions from HEPA laws and Fair Credit Reporting. Experian refused to validate and verify a debt that is listed on my credit report according to law under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter. 
Please provide me with the information you received from this company. I have a right to know who, what, and how a company is reporting on my credit. Is this company in violation of HEPA laws.

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 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been in constant contact with Experian about these accounts listed below and when i send in a dispute telling them to correct certain errors they tell me that they will not investigate because they do not have to. The errors were clear as day but they refused to help me. Here are the accounts that i disputed previously to where i was denied to dispute any issue with the account after sending in new reasons for the dispute after the asked me too and i was still denied to dispute with them. So now these inaccurate accounts make me look bad and its not my fault. 
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 2016-02-04 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: NV

Complaint narrative:
I have been trying to get information to fix what problems are making my score decline in a very steady manner. I am paying Experian for credit monitoring because they made me pay for my report. I have looked again today to see my XXXX lose XXXX more points I signed up in mid XXXX it is XXXX XXXX they do not say in detail what brought my score down. It is ongoing with Experian I am sure these are unreliable reports and it is almost criminal I feel like I am paying to lose points when all am doing is trying to fix credit problems. It feels like if I say something or try to fix it, it just gets worse. It is scary writing this but I feel I need to say something.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Siwell Inc
State: MI

Complaint narrative:
I have been trying to get a payoff from Capital Mortgage Services of Texas for a closing that is supposed to happen in a little over an hour from now. I first faxed the request along with the borrowers authorization on XXXX/XXXX/16. I called twice last week to confirm if they received my payoff request, ( even though I got a faxed confirmation that they did ) and get an XXXX on the payoff, but I could n't get a human on the phone and had to leave voicemails. The borrower called them on Friday, XXXX/XXXX/16 and she was told that they were sending the payoff out to me that day. When I got to the office on Monday, I still had n't received it so I called again. They stated that it would be emailed to me yesterday ( Monday ). At XXXX yesterday when I still had n't received it, I called again and they stated that I would get it some time today, if not first thing in the morning. This morning I still did n't have anything so I called again. Capital Mortgage Servicing stated that it was still in the final stages of being processed and that she would " try to rush it through '' and if I did n't have it by XXXX to call or email back again. It 's now XXXX and I 've emailed them twice more with no response. The closing is in less than an hour and I 've informed Capital Mortgage Services if the closing was delayed because they are not providing the requested information I would report them to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 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: SD

Complaint narrative:
I attempted to file a request for correction on my report and even faxed information to the bureau and yet they are NOT correcting my report or improving my score ( as my banker and I believe it should be )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian finished my complaint in less than 24 hours I do not believe they truly investigated it. I sent them documentation yesterday Monday ( XXXX/XXXX/16 ) after filing the complaint on Saturday. This morning at XXXX I received a response saying my case was closed. I would like for Experian to overlook the documents I sent them and then make a decision. I sent this to all XXXX credit bureau and they were the only XXXX to respond back this fast.

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 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Initially contacted Experian to see personal id info as part of Social Security account initiation process. SS told us to use info as listed with Experian for id verification. In the process inadvertently signed up for their service. Their website has no link to cancel service and very long waits on the phone to get service. 
By the time we finally reached someone the 7 day " trial '' period had passed and we were charged for a month of service. It has been less than two weeks since we initiated the service. They would neither refund nor prorate the charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-12 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:
After XXXX tries to get EXPERIAN to correct information erroneously filed by XXXX XXXX XXXX re a late payment in XXXX 2014 for my home loan they have told me I have to wait another 30-45 days before there is a final final decision. My home closed, sale was funded and XXXX paid in full XXXX XXXX, 2014. I did NOT own the home in XXXX, CA in XXXX 2014 so could never have a late payment. I sent them a copy of the Full Reconveyance on the deed that was notarized XXXX XXXX, 2014 and recorded. This error by B of A has been on my credit report erroneously for 1 year. I want it finalized. The other XXXX credit reporting agencies took care of it immediately. EXPERIAN said the deed was not sufficient. I am tired of this and think their lack of remedying this problem is beyond terrible. I want it taken care of. I have been fighting them for over three months since I found out about the error. 
If you want a copy of the deed I can send it to you. PLEASE help me correct this ASAP. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Professional Credit Services for {$110.00}, and XXXX XXXX XXXX for {$240.00} are the XXXX Collection Agency these people have sent these accounts to. The balance of these accounts are from fees, interest, and what ever else was charged to these accounts. Original accounts were XXXX XXXX and XXXX XXXX. XXXX phones were turned on in 2012, and shut off the same year. They need to be removed from my 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 2016-03-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got a Capital One credit card simply in an effort to build me credit, and rarely ever used the card, and after a year came up, there was an annual fee charged to the card. I received the statement and it said that I did not need to pay because I had it set up on automatic payments through my personal XXXX account. There was an issue with the online banking and for some reason the payment was n't going through, which resulted in Capital One putting a 30 day late on my credit report. I sent this information to Capital One and they still would not remove the 30 day late that they applied to my credit report. Please help me hold Capital One accountable to remove the 30 day late that should not be there because this is preventing me from refinancing my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: NJ

Complaint narrative:
In XXXX XXXX my mortgage payment was {$770.00} ; an amount unchanged since XXXX XXXX. An increase resulting from an escrow analysis raised my mortgage payment in XXXX XXXX to {$850.00}. It was explained that this was due to taxes and insurance. Then in XXXX ( 3months later ), my mortgage increased to {$1000.00} with no notice or explanation. Upon inquiry, I was told that again this was due to taxes and insurance. I continue to try to get an explanation as it does not make sense. My taxes have not increased more than {$100.00} per year. My insurance has not changed since the last escrow analysis. How can my payment go up almost {$300.00} per month? How can I have two increases within 3months time? I received a tax delinquent notice in XXXX XXXX because the mortgage company did not pay taxes that were collected in my payments. There are penalties and fees associated that I should not be liable for. Are those fees being passed on to me? I pay my mortgage on time and in excess of the amount due each month. This increase is excessive and unexplained. I am willing to self-pay my taxes and insurance as I have more than 75 % equity in my home to resolve this escrow collection issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RMB, Inc.
State: KY

Complaint narrative:
I paid a medical bill to XXXX XXXX on XXXX/XXXX/16. I received a letter the end of XXXX dated XXXX/XXXX/16 stating that my account was past due. I contacted and faxed proof that it was paid and have now received a notice from a collection agency, RMB , Inc . I contact them and tried to explain that this was indeed paid and the gentleman was very rude. I have called XXXX XXXX again and faxed everything again. Was told that the girl that handle credit card payments was on vacation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Disputed XXXX orig. Debtor : XXXX XXXX Bank as not mine, I learned this debtor is XXXX. 

Now duplicate reporting with collection agency showing Open Credit on C/R

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, I express concern how supervisor was rule, disrespectful, hing up, and over talk you on the phone. They disregard chapter ( XXXX ) bankruptcy. Experain continue to report my credit the same way like the bankruptcy does no matter. The supervisor was rule to I asked to be transfer to the department the handle bankruptcy he no me know I state that they sensitivity training, some comments to me was offensive. Then turn hung up the phone, XXXX, only put file to be trainfer to his phone. The n also sending me a bias letters in the mail. Experain is have cause me to not have access to credit also to pay high interest rate. They disregard my bankruptcy also reporting in formation over ten year old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The XXXX XXXX - XXXX ...., Tradeline is Incomplete, and incorrect. 

XXXX XXXX - Account XXXX .... 
This account : 1. The Account was opened in 2007 2. Is missing its balance history for the duration of the time the account had been open 3. Is missing Payment Data for the duration of the time the account had been open 4. Has erroneous comments added - to this and almost all of my accounts. 
5. The terms - are monthly, and left at NA Please Verify this account, and its payment and balance history, or - delete the record because its incomplete and inaccurate.

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 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Filed BK in XX/XX/XXXX at this time the law provided for assuming loans you planned to fulfill and not discharge. I did so for my newly leased Nissan Altima in XX/XX/XXXX. 39 months later I discovered that all credit bureaus were listing this as discharged and XXXX as status pending early termination. I filed suit against them after repeatedly attempting to resolve it accurately and have a settlement in my favor from XX/XX/XXXX. Unfortunately, the credit bureaus still have not corrected it and show it as early termination, and discharged through XXXX. My 39 months of regaining good credit history, making every payment on time as agreed to fully meet all obligations shows nowhere. I have been trying to purchase a home, then even leasing proved to be impossible and very challenging respectively.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 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 filed a dispute online with Experian regarding the information being reported by XXXX. I disputed the high limit amount which is incorrect along with the number of late payments. The date of XXXX delinquency was XX/XX/XXXX. I received notice that the investigation was complete and the account was updated with " disputed meets FCRA ''. I did not receive any proof. Experian also changed updated this item and changed the date it would be removed to XX/XX/XXXX. They have added 3 years to this date. A dispute does not change the date of first delinquency and this re-aging of this debt is illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have asked the Credit Bureau on numerous times for validation in accordance with Fair Credit Reporting Act. I have asked for a copy of the original contract bearing my signature. I have never received that. Also explained that i have not received any credit or services from these inquiries or have any of them extended any credit to me. So they should be removed as i do n't have any obligation to them or any lines of credit from these companies.

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