vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/2016 Consumer Financial Protection Bureau Reference Complaint XXXX, Experian Dear Representative : On XX/XX/2016 I sent a certified letter via U.S. Postal Service, to XXXX and Experian regarding a debt which was claimed I owed to a company named XXXX. {$4000.00}. The credit bureau partial account number for this account is XXXX. 

The debt was passed on to a collection company named XXXX, which I also sent a certified letter to in request they validate the debt, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The certified letter was also sent on XXXX via U.S Postal Service. 

XXXX 's address listed on the credit report XXXX, XXXX TN XXXX was undeliverable, which I may known to the XXXX credit bureaus listed above. In my dispute letter to them I let it be known, there is an error in the debt collectors address and this should be corrected listing a true address or the debt removed. I also provided to the credit bureau 's a copy of the correspondence of the U.S. Postal Service Certified mail receipt and letter as evidence of my attempt to get the debt verified. 

On or about XX/XX/2016 I received a response from the XXXX credit bureau 's with no change in its reporting of this date or address correction, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

I am requesting the Consumer Financial Protection Bureau 's intervention in this matter so that I may get the credit report corrected. 

Respectfully, 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 explanation
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: TX

Complaint narrative:
On XXXX XXXX, I sent a letter to Experian requesting that they investigate errors on my credit report. Today, almost 60 days later, I received a response from Experian stating that my request was suspicious, and they refused to conduct an investigation. They gave me a phone number to call to confirm my investigation request, but I could not reach a live operator unless I purchased XXXX of their credit products from their web-site. I am attaching a copy of the letter that I sent to Experian. You 'll be able to clearly see there is nothing " suspicious '' about my request. My letter is straight-forward, and I even included a copy of my license and social security card to verify my identity. I just think Experian is trying to get out of doing my investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-06-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed several erroneous items on my Experian credit report via USPS. I included my name, address, social security number, and date of birth on the correspondence to Experian. I also included a photocopy of my drivers license which validates my address and date of birth. Today, XXXX XXXX, 2015 I received a form letter from Experian stating " The social security number you gave us does not match the identification in our database.. Please send us proof of your social security number and this letter after you have completed all of the information. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
EXPERIAN XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Experian I 'm writting to you Once again Inference to some Unverified items on my credit File but you keep failing to do so. Experian I 'm fully aware of the Federal Law. yourself and The creditors are not following THIS FEDERAL LAW. the way this law is sit up is that you The reporting agencies should have the consumers Orginal signed documents in your physical possession I have asked you to please provide me a copy of the followings documents with with my signature attached to it. Experian I know you DO NOT KEEP THIS INFORMATION ON FILE AS YOU HAVE TOLD ME MORE THAN ONCE. BUT HOWEVER THE FCRA 609 ( A ) ( 1 ) ( A ) CLEARLY STATES THAT AT THE CONSUMER REQUEST YOU MUST I REPEAT MUST PROVIDE THAT PHYSICAL AND LEGAL CREDIT CONTRACT. IF YOU ARE NOT ABLE TO PROVIDE THAT INFORMATION IT STATES THAT THE ITEMS MUST BE DELETE. HERE IS THE THING IN WHICH SO MANY CONSUMERS DO NOT UNDERSTAND BUT I DO YOU ARE NOT A FEDERAL AGENCY AND YOU ARE NOT ALLOW TO REPORT ANY INFORMATION ON ANY CONSUMER WITH OUT THAT SIGN CONTRACT YOU ARE BREAKING THE LAW AND I DEMAND THE FOLLOWING ITEMS TO BE DELETED FROM MY CREDIT FILE IN ORDER ALSO YOU HAVE BLOCKED MY ABILITY TO FILE DISPUTE ON YOUR WEBSITE SO I 'M ASKING YOU RIGHT HERE RIGHT NOW TO PLEASE REMOVE THESE NEGITIVE ITEMS ASAP XXXX XXXX XXXX LATE PAYMENTS XXXX XXXX LATE PAYMENTS XXXX LATE PAYMENT AND ALL CREDIT INQUIRES THAT IS OVER 30 DAYS OLD. I request this deletetion ASAP

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 2017-03-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Io, Inc.
State: MD

Complaint narrative:
I do not owe any medical bill in this amount, this is inaccurate. My health care insurance pays it. Inaccurate data disputed and never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 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: AL

Complaint narrative:
I have contacted the company for a copy of my credit report both by phone and online, I still have not received it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Most of this debts are very old and should have been deleted long time ago but a debt that on my credit report from XXXX XXXX is not true and I ask the C E O starting back from XX/XX/XXXX until present I spoke to several different agents but on my last call which was on XXXX / XXXX XXXX with C E O XXXX XXXX XXXX stated since no one contact me back from last conversation with the C E O rep name XXXX who stated she would investigate info and get back with me on what she had found out about my account issue, so since she had n't done so XXXX XXXX said she would remove it from all XXXX credit bureaus and send me a letter stated it, Next I contact experian and informed the experian worker of the info that I received from C E O agent from XXXX then the experian agent said she would write note of all we discussed in the dispute and when I contact experian back to see if XXXX removed the mark from report the agent Supervisor XXXX with experian said that updated info with a new balance it was first XXXX dollars and now it 's XXXX dollars so for this past month of XXXX going back and forward with experian about the letter and they keep telling me the gone put in the mail for sure this time. At this time I reached out to you from a source within experian and they let me know to reach out to you 'll for a more assistance. When you contact me back I will in form you of my other credit issue that seems illegal and I feel like have violated my rights. 

Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian credit reporting agency send back a letter saying suspicious request in the mail, will not delete if disputing again same information. I had send personal information that they ( Experian ) requests to verify consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 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:
The XXXX XXXX and XXXX XXXX claimed that I owe {$3200.00} for maintenance at the XXXX XXXX XXXX in XXXX. However, in XXXX I wrote letters to each of the XXXX credit bureaus and explained that I had terminated my membership several years ago. I sent them a copy of my resignation letter along with copies of the by-laws which indicated that when you do n't pay, they simply terminate your membership. I asked them to take me to court and they said they do n't do that - they only try to ruin one 's credit. This is a form of extortion ( or blackmail ). Would you please see what you can do to write this wrong. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX shows on my EXPERIAN credit report that we filed for a CHAPTER XXXX Bankruptcy and that {$1200.00} was written off. The account history states : Filed Chapter XXXX Bankruptcy on XXXX XXXX, XXXX - THIS IS INCORRECT. 

When we advised XXXX XXXX Bank of the error in the Experian Credit Report they responded on a XXXX XXXX, XXXX letter that the ownership of this account had been transferred to XXXX XXXX and if I wanted more information on the account to contact XXXX. 

Several written attempts have been made to reach XXXX XXXX via correspondence. Phone calls have been met with a request to make payment on the account, despite the fact that the account has been satisfied via our XXXX Bankruptcy.

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 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Service rendered on XXXX/XXXX/2016 - it has now been almost a year. The hospital fraudulently billed. my insurance company paid the bill, the hospital billed me for the copay/balance - which was also incorrect. the hospital then sent the bill to collections. I notified them in XXXX 2016 that the bill was incorrect.I have maintained contact with them and have been attempting to resolve the issue. In XXXX, my credit score was XXXX, currently it is XXXX over {$100.00}.

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 2015-03-25 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Performant Financial Corporation
State: VA

Complaint narrative:
I am in a position to settle this debt, but agency refuses to disclose what portion of what they claim I owe is principal and what are fees and interest that they have added. I have called in excess of XXXX times only to encounter disconnected phone numbers, voice mail boxes that are full, and unreturned calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Performant Financial Corporation
State: CO

Complaint narrative:
I received a note from my administrative assistant stating that their firm Performant had attempted to contact me multiple times and needed me to call them back. When I called them back it was confirmed that I have NO account with them and they asked for contact information on someone I know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Systems International, Inc.
State: FL

Complaint narrative:
Back on XXXX/XXXX/2015 we disputed a credit report entry from Credit Systems international. After the dispute with case numbers XXXX and XXXX, Credit Systems international agreed to delete the entry because " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX does not show to be a good address for mail delivery. There were no telephone numbers on the file to attempt contact with XXXX XXXX. 
We attach our required verification of the debt. If XXXX XXXX disputes the validity of the charges, and if she will furnish our office what the dispute is, we will open an investigation. 
A request to delete the report from the Credit Reporting Agencies ( CRA ) has been requested and no further reports will be requested for a minimum of 60 days to allow XXXX XXXX sufficient time to review the itemized statement and/or notify us of any errors '' We then sent them a debt validation letter with specific information they need to send to me to validate the debt, not just say they have validated the debt. We uploaded into the CFPB system with the above claim # as well as mailed it certified mail # XXXX on XXXX XXXX, 2015 which they received on XXXX XXXX, 2015 @ XXXX. Not once they they respond and now again I find the charges on my credit report. I want these charges removed immediately until the information I requested is sent to me in accordance with XXXX laws. I will again attach the original letter I sent them to this claim

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 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: Optio Solutions, LLC
State: LA

Complaint narrative:
A company called " QCS '' attempted to take {$200.00} out of my checking account. In addition they attempted to take {$25.00}. These attempts were made simultaneously. Two weeks later I started receiving calls from XXXX XXXX XXXX XXXX at my job and the caller claimed that they were attempting to collect a debt. I immediately asked for the details in writing and they stated that they had sent a letter. They had not. Each time they called I requested the details in writing. They claimed they sent it. I never received it. I stated, " if that is the case, FAX me a copy of the one you sent. '' They refused. I told them if they could not send it in writing, that I did not believe they were a collection agency but a scam. I asked them to stop calling me. They continued to call me every day for weeks. On XX/XX/XXXX15, nearly two months later, I received a letter from Qualia Collection Services, a unregistered collection agency claiming I owed a company called XXXX, XXXX the {$200.00}. I have never done business with XXXX, XXXX XXXX Louisiana Revised Statue XXXX requires collection agencies to be registered. ) I have sent them a dispute letter since receiving their letter. ( I can prove the calls via cell phone records. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Ive been trying to close my account for four months, over the phone with customer service, but they always hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
RIDICULOUS I CANT BE HAVIN PEOPLE CALLIN ME AND TELLING THINGS THAT DO NOT EVEN BELONG TO ME. AND ON TOP OF EVERYTHING THEY REPORTING ON MY CREDIT. SO I SENT A NOTICE SAYING TO STOP. THEY STILL DOIN IT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Law Offices of Timothy E. Baxter & Associates, P.C.
State: MI

Complaint narrative:
This collector refuses to provide any written verification of debt or any requested information for that matter. At the judgement hearing, the attorney stated that he would send me the agreement to file a motion to set aside if I were to pay the judgement in full by the end of the following month. Nine days left of the month and I finally contacted them to request this information and they claim to have no knowledge of it, yet inform me that I now owe over {$200.00} more than the judgement due to statutory interest. They request that I call back the following day to see if they had a chance to speak with the lawyer. I was n't able to call back until 6 days later, only to find that instead of sending me the requested information, they filed a garnishment instead. I feel like they use the courts to prey on people who are n't able to protect themselves and do so using tactics like demanding you allow them to garnish real property if signing a payment agreement. I was not taken seriously during the entire court process by either the court or the collection agency and they need to be stopped from abusing their power. They still have not issued the garnishment or sent me anything in writing concerning the amount of interest they are now attempting to collect on as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
We have reviewed the Fay Servicing response and my wife & I - plus our family adviser have found the answer Unacceptable. Again, for the better portion of a Year, Fay ( individuals named additionally-emails retained for examination ) Maintained continually, that the derogatory comment would Not, repeat-NOT affect our Credit Rating. Basically they said " Fu-get-about-it ''. From last spring, we have written documentation that in fact It Did impact and Prevent our family from obtaining a home improvement loan. Our conversations with Fay Servicing concerning this matter have altogether been Unsatisfactory 'at the minimum '. They do not seem to grasp the number or substance of proof we retain proving our side of the dispute. Further can be documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Credit Service Company, INC
State: CO

Complaint narrative:
Issues on credit report are closed by the bank institution and dismissed or forgiving. Others, are medical or ambulance fees that were from a unaware circumstances and not negotiable but emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC.
State: OH

Complaint narrative:
XXXX In has repeatedly sent me collection notices about an unpaid debt. I wrote to them that I disputed the validity of the debt, as insurance had paid. They responded with a print out of what was owed on the date I went to the hospital, stating only state it is valid. 

It is not valid. They sent me notice less than thirty days after my hospital visit. My insurance has covered this and this company is already affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: First Direct Lending, LLC
State: CA

Complaint narrative:
First Direct Lending LLC sends letter to my home with my mortgage information on a form designed to look like legal state form. One side says debt rate reform service with insurance information. Offering low interest refinancing. I never asked for this but they keep sending them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company
State: CA

Complaint narrative:
This is concerning a XXXX that billed me for a full {$180.00} payment for an appointment that I cancelled. I called her office within the 24 hrs and her voicemail mail was full. I finally got thru the day before my appointment and left a cancel message. I did n't hear from her office for 5 months and out of nowhere received an invoice saying I owed her {$180.00} for a late cancel. I called and told them I had cancelled this appointment but to no avail. Today I received a bill from a collection agency called Merchants Credit Guide Co. in XXXX saying XXXX XXXX had sent the bill to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Van Ru Credit Corporation
State: MD

Complaint narrative:
I had XXXX in XXXX 2015. I have a hospital debt for a little over XXXX I made a payment of XXXX in XXXX 2015. I called the creditor in XXXX 2015 to set up automatic payment arrangements. I was told that my debt as transferred to a collection agency. I 1was provided w/the agency 's phone number. I called them the same day XXXX XXXX to set up automatic payments which I did. We agreed on XXXX monthly. An initial payment was made at that time. Today a get a letter from another creditor demanding money for the same debt. asking me to set up payments with them. In addition this new company has made phone calls to my job.

Company response to consumer: Closed with non-monetary relief