vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report through XXXX XXXX and XXXX on XXXX XXXX, XXXX and found an open collection account listed on my Experian report. The original debtor " XXXX XXXX '' was included in my chapter XXXX bankruptcy filing on XXXX XXXX, XXXX, which was discharged on XXXX XXXX, XXXX. The new collection account was opened by XXXX on XXXX XXXX, XXXX with a balance of {$0.00}. I called XXXX on XXXX XXXX, XXXX and spoke with XXXX. I informed XXXX that the original debt was included in my bankruptcy discharge on XXXX XXXX, XXXX XXXX stated that they performed a bankruptcy scrub prior to listed the account as an open collections, but did n't see the debt under bankruptcy. XXXX further stated that she will note account as a bankruptcy and that it should be removed at the beginning of XXXX XXXX, after the update. 
I am disappointed with XXXX remedy to resolve the problem. The original debt was legally discharged, therefore, no one should contact me about recovering the debt and more importantly, list the debt on my credit report as an " open collections '' debt. I am trying rebuild my credit and the inaccurate negative listing has caused harm to my rebuilding efforts with creditors. I feel that I should n't have to wait until XXXX XXXX for XXXX to remove the inaccurate data ; it should be removed immediately. I tried to file a dispute with Experian online ; however, I was informed that I need to fax or mail in a request, which would take longer to process. 

Consider This Summary : XXXX XXXX, XXXX -- Original debt included in the bankruptcy petition XXXX XXXX, XXXX -- Debt discharged by bankruptcy court. 
XXXX XXXX, XXXX -- XXXX tries to collect the debt and lists on my credit report XXXX XXXX, XXXX -- I received an alert from credit monitoring companies XXXX XXXX, XXXX -- I verify the inaccurate data on my report. 
XXXX XXXX, XXXX -- I contact XXXX ( i.e. XXXX ). 
Please pay close attention to the dates. XXXX opened the inaccurate account one and a half months after the discharge.

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 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have challenged the negative items on my credit report stating the obvious FCRA laws with Experian to no avail. The response I was given from Experian had almost remotely nothing to do with my initial dispute letter. I am VERY frustrated and need help with dealing with these bullies who do n't follow the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Incorrect name on credit report:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A couple of weeks ago, I was notified that someone other than me had requested the log-in information for my XXXX account. Afraid that i was at risk for identity theft, I went to experian.com and paid for one of their credit reports ( which pulls from all XXXX reporting agencies ) to reassure myself that nobody had successfully stolen my identity ( YET ). During the process of purchasing the report, apparently I also signed up for a 7-day trial " credit tracking '' service, and agreed to have {$21.00} charged to my credit card on a monthly basis starting at the end of that 7 days. 
I do not recall agreeing to this, and of course I was anxious about the potential for identity theft, so I may have missed it. HOWEVER -- I think this a deceptive and disheartening initiiative on the part of Experian -- XXXX of the agencies I trust to help ensure that my credit is accurately represented and to help me identify any fraudulent use of that credit is pulling the same sort of sneaky " extra service '' shenannigans that XXXX XXXX and other credit card companies were pulling just a few years ago! I would like my money back, but have been assured by a banner on the experian web site that I will not receive that -- which to me indicates that I am not the only customer upset by this practice. I believe this was opportunistic on Experian 's part, as reports of tax fraud were rampant in the media. 
I hope this agency will hold Experian to a higher standard. This behavior is a little weaselly for a credit agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We settled a dispute with a local hospital on XXXX XXXX, 2013. 
By reaching the settlement, we agreed to withdraw our legal complaints against the hospital, and the hospital agreed to accept an amount smaller than originally billed. 
It was stated in the settlement letter that by offering and accepting the settlement, both parties agree to release each other of any and all claims related to this account. 
The issue is, with this settlement, we have withdrawn our claims against the hospital, yet, they still have a negative statement on our credit report? Why? 
If the law allows them to continue to post this adverse statement on our credit report, even with this settlement, then at least, they can include a more clear statement in the Status section, such as, " Account settled on XXXX XXXX, 2013. Both parties agree to release each other from all claims relating to this account ''. 
This statement is more representative of the true status of this account, instead of the current description in our credit report, which carries the connotation that somehow, we still owe them money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian is refusing to honor my disputes when they are knowingly reporting incorrect information. I filed for Bankruptcy and after it 's discharged, they are not allowed to report past due balances, past late payments or derogatory statuses. No matter what I do, I even sent disputes Certified Mail with a return receipt, Experian refuses to conduct an investigation and is blatantly breaking the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
When our loan was bought ( from XXXX ) by Nationstar Mortgage ( in XXXX of 2016 ) it was mistakenly transferred as an Escrow Loan. Somebody must have ticked the wrong box. Our loan was written from the beginning and is a NON Escrow loan. They also said we had a lapse on insurance coverage which we did n't. 

By XXXX of 2016 they were claiming that we owed them XXXX of dollars in Escrow and they started the collections calls. 

We have repeatedly called in conference with our homeowners insurance agent and with our mortgage broker and have provided Nationstar with all the necessary documents : CLOSING DISCLOSURE and INSURANCE CERTIFICATE which clearly show that we do n't owe any money in ESCROW because No 1 ) this was a NON ESCROW loan to begin with AND No 2 ) because we have fully paid our homeowners insurance for the year, PLUS we have FULLY paid our taxes for the year. The collections calls continued. Looks like the collections department, their insurance department and their escrow department not only have different XXXX numbers but they must be on different continents or maybe on a different PLANET!!! Makes you wonder! 

To make a long story LONGER, after 5 conference calls numerous other calls and 3 months that we have been trying to resolve this issue Nationstar Mortgage sent us a letter dated XXXX XXXX with a research reference number, saying that the matter is being investigated. They also assured us over the phone that the matter would be taken care of and that they had all necessary documentation at this point. 

A few days ago we started getting the collections calls again at a regular basis, which in Nationstar fashion means every single hour of every single day, literally! Those calls must be robot generated but the human being at the end of the line if you answer the call, is far from human, as I said, probably planetary and galactic migration is a fact for this Mortgage company. 

I just called them this afternoon again and after 15 minutes with all the preliminary stuff, which is typical, and 20 minutes on hold because the " agent '' aka XXXX aka XXXX, was looking for the loan and then she was looking for the notes and then was verifying everything over and over, and making sure that I know that this call is being monitored and recorded for quality assurance purposes, and this is an attempt to collect a debt, she told me that the RESEARCH REFERENCE number that I gave her ( which was on the letter that they sent me ) was the WRONG number, but that she had found in the notes that " our request was rejected BUT that our claim was PENDING ''!!! WHAAAAATTTT?????? 

Help! Please! Someone? Anyone? 
Nationstar Mortgage SHOULD NOT EXIST AS A COMPANY ... not a mortgage company! As a company at all!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My Credit Score with Experian dropped XXXX points ( between XX/XX/XXXX and XX/XX/XXXX ) after I paid a credit card balance ( {$240.00} of a $ 3,000+ credit limit ), which was not past due. I called customer service on 5 separate occasions to gain understanding. No one was able to explain why my score dropped. Nor were they able to explain what benefit my monthly paid membership provides to resolve such discrepancies. The only negative marks my credit history are from a late payment in XX/XX/XXXX ( which was paid monthly from XX/XX/XXXX thru final payment in XX/XX/XXXX ). I would like an investigation on the practices of Experian, their lack of disclosure about how scores are calculated and disclosure of the discrepancy from the other XXXX reporting agencies ' scores that reflect positive scores ( stabilized or increased rating ) for positive actions ( payment of balances ). A monthly fee of {$21.00} is supposed to " provide tools to help manage my financial future, '' but no actual tools are provided. The monthly membership seems to be a fraudulent practice preying on consumers attempting to repair or maintain good credit ratings.

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 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I do not know this company and was not provided no specific update information when it was updated on my credit report. Just a different name and that I do not recognize and this do not belong to me.

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 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received a credit report from Experian on XXXX/XXXX/2015 stating the items I deputed has been deleted from my credit report. Then I received a credit report on XXXX/XXXX/2015 saying that the items has been updated or remains. Without reasoning or explanation I think this is unfair practices of Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Per the FCRA I contacted the merchants in question and submitted a request to verify/validate information that was listed on my report in regards to payment history. On my credit report there was a XXXX accounts that showed late payment ( s ) which i disputed and offered to provide documentation showing that the information was not correct. When I attempted to contact Experian to file a dispute they told me that it was up to me to file the dispute with the merchant which I explained was incorrect per the law and that they were required to submit a dispute on my behalf and provide me with the results of this dispute. After asking to speak to a supervisor the rep then hung up on me.

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 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was notified of an unpaid collections of XXXX $ from XXXX dating back to XXXX XXXX for the first time in XXXX of XXXX. The person whom notified me was the broker trying to approve my home loan on the purchase of my first home. I do not have any Debt and have been a Customer who has always paid on time for Services or any other product. The day I found out about the unpaid collection, I called XXXX and paid the XXXX $ 's. The Customer Service agent was unable to tell me what the outstanding amount was for but did let me know the Collection will no longer be showing on my Credit Report at all ( Paid or Unpaid ). I found a home in XXXX of XXXX and had my broker run my Credit Score to lock in my interest rates for my home loan, the Collection was still there. From the beginning of XXXX until now ( XXXX XXXX XXXX ), I have called XXXX over 30 times to get this issue resolved and off of my credit report. Their Customer Service has submitted and routed XXXX XXXX XXXX numbers incorrectly. Each Ticket # takes 30 days to process ; therefore, every new ticket # is starting my problem back to Day 1. I spoke with a colleague on my issue and he was able to give a phone number for a XXXX XXXX in which escalates your issue. On XXXX XXXX I submitted an Electronic Ticket ( XXXX # ) through this hotline in hopes of XXXX contacted the Credit Bureaus to get the Collections notice off of my Credit Report. This ticket # is listed as resolved in their Customer Service Database, XXXX informed me they contacted Experian and XXXX to take this off of my report ; however, the existing problem is not resolved. XXXX will not give me any supporting documents where they have contacted these credit agencies and they also notified me it will take up to 60 more days. After contacting XXXX Customer Service multiple times, submitting XXXX Resolution Requests, speaking with their Internal Credit Department, Billing, XXXX XXXX XXXX, and their Escalation department, I am stuck with dealing with a bad and erroneous Credit Score. Each month I will be paying XXXX $ 's more in interest on my home loan because of this. I was patient and understanding but now I am hopeless and mad. This issue should of been resolved in XXXX if it ever was an issue to begin with. Now I will be haunted with this issue every month for 30 years.

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 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
They are reporting a judgment that was paid and released.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
When applying for a loan recently they discovered a had a derogatory delinquency on my report when I called experience they told me to work it out with the creditors who I know I never had an issue of any kind with. I tried to get to the bottom of this for days thinking someone was trying to steal my identity. I called the experience a few times and finally they told me they had merged my account with someone else 's ... ... sorry. I wanted them to not only fix that but all the names that had come up on my report including this other person and I would like a PIN number in order for anyone to access my report and I would like a copy of the new credit report sent to me email and postal mail. None and I mean NONE of these things has happened. Now I do n't know if this person is running around pretending to be me but the experience does not seem to be a bit concerned about this mistake and I am very upset and think I will need to get an attorney now.

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 2016-11-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: FRANKLIN FIRST FINANCIAL, LTD
State: NY

Complaint narrative:
Hello i am writing to report Franklin first financial company. This company is unethical, unwilling and unresponsive with the loan process i am currently in. I am dealing with this company over the past six months and still we are unable to close a loan. I understand issues were involved on our part with the contractors initially however after all the paper work was submitted still no response still no answer. So in short this is what my family and i are going through. We are being swindle everyday with unrealistic dates, we appointed one person to handle calls and communication however when he calls his calls are either 1. ignored 2. send to voicemail 3.forward to a number that leads you to a number that does n't work. The mortgage bankers are very incapable in this company. They promised a 48-72 hour document review feedback however i have never received a feedback in this time period. These bankers are very slow they work reactive instead of proactive. The process has being so slow and exhausting that i had to submit documents not once or twice but three times. The major problem i have with these bankers are giving us false hopes, false dates, ignoring consumer telephone calls and other deceptive practices. When the compliance officer reached out to me it was the same thing they blamed us for not submitting documents on time however if they stood to there promise this would n't be a issue. Please help me understand why this company has to used deceptive practice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian " investigated ". The negative items on my credit report in less than a few hours and made no changes and did not supply me with proof that the items were investigated or supplied any proof that they contacted the original creditor.

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 2016-05-24 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:
Identity theft : There are XXXX credit cards that were opened up in my name as a result of identity theft : XXXX is XXXX and the other is XXXX card : I contacted the credit reporting agency 's to report this fraud. I also contacted those XXXX stores. XXXX sent me a fraud investigation form which I filled out and sent back immediately and after there investigation it was proven that someone stole my identity and opened it fraudulantly. XXXX is still reporting on my credit report even though they were notified it was fraud and to remove it from my report. I have also contacted XXXX numerous times and requested the same form so an investigation can be done. I get nowhere with XXXX just the run around. I feel there is no proper investigation being done with these credit reporting agency 's and they just keep updating my report with this incorrect information which is affecting my score.

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