vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: NY

Complaint narrative:
Granite State Management and Resources erroneously submitted to my credit reporting agencies that I filled for bankruptcy and claimed my student loan accounts as those I could not pay. My account is up to date. My XXXX scores dropped XXXX points. I called and the customer service representative indicated it was an error that impacted " thousands of borrowers '' and that they were fixing the issue. She indicated they were not planning on notifying borrowers and I explicitly had to request a letter. I asked for free credit monitoring and they would not provide it. They said I had to keep an eye on it. They would not provide a reference number for my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am writing to dispute the account currently being reported by XXXX as referenced above. I have disputed this account information as inaccurate with Experian, and Experian has come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this debt to the collection company listed above in this letter. 
The FCRA requires Experian to verify the validity of the item within 30 days. If the validity can not be verified, Experian is obligated by law to remove the item. There is a clear case of unverified debt here, and I urge Experian to remove this item before I am forced to take legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-20 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: NM

Complaint narrative:
I have been trying to receive my credit report and credit score for the past two years and all I receive is statements saying I am not the person or incorrect information. I have been denied my report from all XXXX credit bureaus and am confused on why.I have had my drivers license suspended and other issues I have reported and everyone does n't believe I am me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX performed an unauthorized hard inquiry on my account. I 'd like it removed

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 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed with all XXXX Bureau 's about Hard Inquiry on my credit report and was told that they can not remove them and that I needed to contact the institutions and that the institutions needed to send a letter to each Bureau to have them removed. I did what each Bureau told me to do. It took me a week to get any type of answers from each creditor. The Creditors were suppose to send a letter to the each Bureau to have it removed. I waited a month and the inquiries are still on my credit report. I contacted all XXXX Bureau 's and they are still refusing to remove them even after I contacted the Creditors to have them remove them. I am not sure what else to do.

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 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This account has been disputed time and time again. I have submitted undisputable proof where the company that they made errors with my documentation. I lost a sale of my property due to them making an error in my processing. The credit reporting agency still has not had this removed from my file. they keep stating that is account is verified as is. But with me showing proof of their negligence it should not remain on my credit file. I also have proof where they removed the account from credit file and had it placed back on by changing the date.

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 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently moved and updated my address with all of my credit card companies. I 'm assuming that after doing so, this prompted an alert and it was deemed as fraud by the credit bureaus. Therefore, all credit reporting bureaus are reporting that the valid accounts under my name are fraudulent causing them to be closed in error. I contacted each company and they stated that they 're going by what the credit reporting bureaus are providing and can not re-open the account unless they contact them directly to let them know it was in error. I 've contacted them to provide such information to no avail. Slowly all of my accounts are getting closed and this is detrimental to my credit file as inaccurate information is not being reported under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company
State: IL

Complaint narrative:
RE : Loan with Statebridge Company # XXXX The above mentioned loan was in the name of XXXX XXXX, my mother. I, XXXX XXXX, was trying to payoff her bills, because of her XXXX and later her death. I was never on this loan. The beneficiary of this loan was a XXXX XXXX with XXXX children named. I being the XXXX was paying my deceased mother 's debt, which included the above referenced loan. The XXXX mortgage that I was paying was with XXXX XXXX, which I always paid on time. Then, XXXX XXXX sold the loan to XXXX XXXX, again with no problems and always on time. In XXXX 2015, XXXX XXXX sold the loan to Statebridge Company, and here is where it gets crazy. First there was a credit on my account saying that I overpaid. Then in XXXX I sent Statebridge a payment of {$1200.00}, in which, Statebridge returned the check a month later, but I had already sent out XX/XX/XXXX 's payment. I called XXXX XXXX numerous times, but NEVER received a response from her. Finally, I contacted Statebridge and spoke to someone else, who informed me that the loan matured and the total amount was due. When I asked for some help to resolve this, Statebridge flat out refused to help me, stating that my name was not on the loan. So then, I was forced to get a loan, in my name, with XXXX XXXX XXXX to pay off my mother 's loan. After I received the payoff letter, XXXX turned around and recorded on the credit bureaus, that XXXX XXXX was in default of XXXX months, on a loan that was in XXXX XXXX ' name. Also, XXXX told us that we could go online to file under loss mitigation, when in fact, there is no such place on their website to file such reports or complaints. Because of Statebridge 's falsely stating that XXXX XXXX is in default, XXXX XXXX XXXX is stating that my loan with them is fraudulent and is now being investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
MY MOM AND DADS CREDIT SHOWS UP ON MY CREDIT REPORT. MY DAD AND I SHARE THE SAME NAME. GOING THROUGH A RE-FIANCE AND ITS CAUSING MY CREDIT SCORE TO BE IMPACTED.

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 2015-08-01 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:
There is an inquiry from XXXX which appears on my report that is not mine. I disputed the inquiry and received a letter saying they can not remove the incorrect information as they must list all companies who received your credit report. However, the companies must have a lawful reason XXXX permissible purpose ) for doing so. This inquiry was not authorized and should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN continues to accept inaccurate information from XXXX which results in re-aging of the account keeping it on my Credit Reports since 2006. I have disputed it with them over 7X and even though they acknowledge my facts nothing ever happens. EQUIFAX shows the item has been on my Report 93 months well over the 7 years allowed by the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account was charged off for XXXX dollars and I paid XXXX check of XXXX dollars in 2011 and one of XXXX and XXXX dollar in 2010 experian is reporting this and XXXX and I mailed them statements if proof of payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 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: VA

Complaint narrative:
I paid for and attempted to get my XXXX credit reports and XXXX credit scores from Experian using a product they advertised for {$39.00}. I paid the money and they could not provide the information citing a system error on their part. They say they have credited by credit card for the amount that was charged for this product and told me it will take XXXX business days for the money to be returned to my account. They told me they are not able to provide the product I requested and also do not know when they can make it available to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX set up a XXXX account under my social security number but wrong name my name is XXXX XXXX XXXX not XXXX j XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
I borrowed {$800.00} dollars from XXXX XXXX XXXX XXXX. I have paid {$1400.00} dollars in interest since XXXX XXXX 2016. None of this went to the loan principal. They are deducting {$280.00} from my checking account every 2 weeks. They have now switched their name to Big Picture Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 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: ERC
State: GA

Complaint narrative:
Enhanced Recovery Company put a negative item in collections on my report. The company never sent me anything prior to doing so. ERC stated the dept is to XXXX XXXX XXXX but I 've never had services with XXXX XXXX XXXX. After two days of calling XXXX XXXX XXXX and getting nowhere or any verified info of and acct with them, I called ERC and they stated it 's from an old XXXX account that was turned over to XXXX XXXX XXXX after they brought XXXX out. I settled the account with XXXX in XX/XX/XXXX or XX/XX/XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC
State: KY

Complaint narrative:
Two days ago I get an alert that there was a change in my report. I looked on an seen that Enhanced Recovery flagged my report, as I 'm unaware of this company and have never had any contract with this company so the negative report was alarming. No communication or letter was every sent nor attempt to be mailed to me, which I would request debt Validation immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: LA

Complaint narrative:
I am a Vet who receives XXXX XXXX XXXX. The VA pays 100 % of my treatment to hospital 's, I have XXXX services provided when I am in need of. The hospitals agree to except payment in full from the VA when payments are submitted. Outside collection agency, Enhance Recovery Company, LLC phone # XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: ERC
State: PA

Complaint narrative:
I had XXXX lines I cancelled XXXX line ( main ) then kept the second due to I would get charged early cancellation fee. However the main line was and had control of the second line thus I could n't change/pay or control my account. So I had no choice but to go to another company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-30 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: ERC
State: MA

Complaint narrative:
I left XXXX at the end of my contract, I called and verified my contract was over and I was paid in full. A few months later they called saying I owed money, I explained i did not. They turned me over to a collections agency, I explained this to them now 6 years later they filed a derogatory mark on my credit lowering it by almost XXXX points I now went from excellent credit to good credit status. I did everything I was supposed to in order to leave XXXX going as far as contacting them to make sure we were all square. To come up with some phantom bill months later for lousy {$150.00} is ridicules. It is not the {$150.00} it is the principle of lying to it 's customers because they are leaving for another company. Now six years later to have my credit ruined because of this is maddening. Any help would be great, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I have paid over a XXXX dollars on a XXXX dollar loan and still have XXXX payments which will make it XXXX dollars the Annual Precentage Rate is 596.6755 % the finance charge is XXXX this was not made aware to me at the time of loan submission. The Name of this company is Big Picture Loans which i have come to learn has done this to alot of other people based on my research.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 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: ERC
State: IL

Complaint narrative:
and XXXX cell phone account and a XXXX internet account was openened by my ex-spouse over a year ago without my consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I am the co-signer on my granddaughter 's student loan and Citizens Bank has ruined my credit rating listing 2 delinquent payments. The loan is being paid but I understand she has 15 years after graduation to pay off the loan and she graduated in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens bank overcharged me on overdraft fees. Starting with XXXX I was charged an daily overdraft fee of {$6.00} however my account had a direct deposit of {$1600.00} therefore it was not in the negative that day and no document indicates if it was n't brought positive by a specific time the people day that they can charge a fee ( example XXXX the prior day ). This also was the same case on XXXX so with that they owe me back {$13.00}. Next citizens bank charged me {$6.00} on XXXX for my account going in the negative on XXXX however XXXX was not the third business 's day so they owe me another {$6.00} back. Lastly, on XXXX and XXXX I was charged a total of XXXX {$35.00} overdraft fees however only had XXXX transactions to make my account in the negative so they overcharged me a {$35.00} fee. Citizens bank owes me back {$55.00}. You all should audit this bank as I read articles of them overcharging customers with fees. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-16 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: ERC
State: CA

Complaint narrative:
I have a closed XXXX XXXX XXXX internet account with hardcopy final bill balance stated as {$0.00} and closed. Enhanced Recovery Company contacted me nearly 1.5 years after the account was closed and claimed I owed {$180.00}. I sent them a certified letter with copies of my final XXXX XXXX XXXX bill showing them that they were making an error. Enhanced Recovery Company then sent negative reports to the credit bureaus within 20 days of their initial contact. I have sent Enhanced Recovery Company XXXX certified letters trying to clarify and get this off my credit report but they do not respond to my demand of validating the debt and any papers that show I actually have a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-09 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: ERC
State: CA

Complaint narrative:
This company is a collection agency and they are trying to collect on a debt that is not yet eligible for collections as this is a closed account with XXXX XXXX XXXX that is not yet 30 days past due. They are calling this a " pre-collection '' debt account that they are trying to collect on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NY

Complaint narrative:
XXXX recommended Cardinal financial company to finance a mortgage on a home purchase in XXXX XXXX, Fl. The bank took to long to process the application by holding up the processing over {$140.00} non payment of old XXXX bill and it took 4 weeks to appraise the property. The property was under appraised which should have given me the ability to cancel the sale but the appraisal took over 4 weeks to get done and I did not have the ability to cancel the sale. In the end I was forced to take out mortgage insurance on a property in order to to close. Similar properties like mine are selling for {$15000.00} more than my property and the bank refuses to take off the PMI

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