vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Lionstone Holdings Group
State: CA

Complaint narrative:
Received a call on my cell phone stating that they will be at my house tomorrow to bring paperwork because I am being sued. I was like hold on what is this all about? The lady gave me a number to call and said she thought they contacted me. I called the number she gave me and was on hold a long time. The gentleman picked up and was eager to get my info. They named a debt that I was paying to another company and told me my payment declined and now they have taken over. I know for a fact my payment would have not declined because the debt was coming out on payday. I was like look I need to see something in writing because the balance is higher than what it should be he got rude and then I told him XXXX I need something in writing not giving my information out randomly. I asked for a manager. The manager insisted I had to pay {$180.00} a month XXXX bi weekly. I explained I ca n't afford that. I said the best I can do is XXXX and pay extra when I can. She said no call me back when you can agree to the terms and hung up on me. I called back and hour later and got someone extremely nice that explained the company sold and merged and the accounts set without payments. I set up a payment arrangement because of {$100.00} because I do n't want my credit hurt. But the XXXX XXXX people were harassing and lying which is so unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: MD

Complaint narrative:
I received a message indicating that a complaint had been filed against me. The caller did not state the company name and only gave her name as XXXX XXXX. When I called, it took XXXX attempts to get her to identify the company and give me the mailing address. XXXX XXXX said that it was a complaint from XXXX Bank, a bank have not done business with in over 15 years. I explained that I settled my accounts at XXXX over 15 years ago and have no debts with them. XXXX XXXX said that if my social security is XXXX XXXX XXXX then the complaint is against me and they will take action. I would not verify my social security number, and I asked for their Maryland XXXX number. When she asked for clarification, I explained that I am a resident of Maryland that Maryland licenses collectors, and I needed ARA 's license number to confirm that they can legally do business in Maryland. She asked me to hold, and left me on hold until the call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I had a XXXX XXXX XXXX on lease with GM Financial ( GMF ). I traded in the car on XXXX XXXX, XXXX. The new car dealer bought out the lease from GMF. However, between the time we negotiated the deal ( XXXX ) and the date the deal was completed ( XXXX ), I made another lease payment ( XXXX ) of {$250.00} which was automatically deducted from my checking account. The dealer told me that the leasing company would refund the over-payment. The lease was fully resolved by GMF on XXXX, as the dealer paid off the remaining balance. It is now XXXX, and after XXXX phone calls and XXXX e-mails, my over-payment is still unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I requested copies of the original contract with the original creditor in a dispute letter to GM Financial on XXXX XXXX 2015. I also requested a copy the repossession of a vehicle connected to the account, the bill of sale for the repossessed vehicle, verification the sale amount had been applied to the account and an accounting for all payments and charges assessed to the account. The creditor has failed to provide the verification that proves the validity of the account they have listed on my credit reports. They have not even acknowledged my request. Per the Fair Credit Reporting Act if verification can not be provided upon request then the account is supposed to be deleted from the consumers credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal has frozen my account and I can not use ebay Id call it antitrust

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: HANCOCK WHITNEY BANK
State: MS

Complaint narrative:
They constantly call me all the time asking me to pay my bill I can be XXXX days late if I run behind they call my mother passed and they constantly call every day all the time geezzzz it is very frustrating and annoying I owe them total of XXXX on XXXX different accounts it is saffff

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Lionstone Holdings Group
State: TX

Complaint narrative:
THE CALLED ME AT WORK, MY CELL PHONE AND WIFE PHONE THEY CALLED WITH NO CALLER ID ON ALL PHONES THEN LEFT A MESSAGE TO CALL ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 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: WA

Complaint narrative:
Experian has denied me online access to my credit report despite an adverse action against me on XXXX/XXXX/2015. They advised I am " locked out of their system '' even though I am able to confirm that all my identifying information matches what they are reporting. They were unable to provide an explanation as to why I am locked of their system and were unwilling to provide me with my own credit report number. I asked to speak to their escalation department and spoke to a supervisor who also advised she was not able to tell my why I was denied online access. I am XXXX at a business and if I refused to provide my clients with their own proprietary/personal identifying information or was unable to tell them why, my company would no longer be in business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian.com offers {$1.00} credit report. Purchased on a mobile device, the XXXX day " trial '' terms and monthly subscription fees are hidden and true service costs are deceptive. XXXX days after signup, they have billed for a {$21.00} monthly credit watch subscription service. I called to dispute the service and the charges and was refunded {$21.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues years after paying all my medical off to report false information. I have contacted them, XXXX XXXX has contacted them. They continue to ruin my ability to secure financing. All the loans I have are high interest. Please make them stop reporting all my paid accounts as " no status ''. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filling 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 an account under " XXXX ''. I have no knowledge of the account being reported on my report. 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. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter 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 explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Trying to dispute the report that I have been late on payments. Can not seem to dispute this item on Experian, which is listed under negative items. Also, there are duplicate accounts listed on my report XXXX. which are closed and exceed the fair credit reporting time period. Please remove these items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Logging this complain against the credit reporting agency Experian for showing Serious delinquency on my XXXX credit cards with XXXX and XXXX. 
In case of XXXX credit card, I had returned stuff in the store and was told that I 'll get a refund but the refund was not applied for few months. Instead they kept charging late fees every month and later subtracted the refund amount and continued charging additional late fees. This was totally unfair because instead of being refunded I has bothered by XXXX and collection agency and made to pay. I tried to resolve this issue by calling, emailing and faxing them but all in vain. I am also attaching a fax that I had sent to XXXX. 
In case of XXXX credit card, my account was locked and was told to make the payment without being told what the charge was for. As my account was locked I was n't able to check myself. I contacted them several times to find out what the payment was for but was n't given a clear answer. 
In both these cases I was treated unfairly. In first case I was made to pay when I was supposed to get a refund. In second case I was being told to pay without the clear information of what the payment was for. I had to go through so much XXXX to resolve these issues and now I see these damaging my credit report. I am in the process of applying for a home loan but having issues because of the incorrectly marked delinquent accounts information on my credit report. So finally decided to log this complain.

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 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting that I have an OPEN COLLECTION ACCOUNT with XXXX XXXX XXXX XXXX which is not true. I do not have a open account with this company nor do I have an outstanding amount of money owed. I do not have any account in collections. Please provide the reference number for this account

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 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I previously had a XXXX XXXX credit card that went into collections. I declined to pay the card b/c there were fraudulent charges that both XXXX XXXX and the creditor refused to investigate. In addition, I was charged late fees even though there were no late payments and the balances, payment dates, and bill dates are all being shown inaccurately. XXXX XXXX removed this from my credit report but on XXXX/XXXX/XXXX XXXX XXXX reaged the debt effective XX/XX/XXXX even though the account has been outstanding since XX/XX/XXXX. XXXX XXXX is selling debt to XXXX XXXX and then in turn reage that debt to make it look more current that it really is. In addition, they are not resolving or investigating my dispute.

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 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Credit Bureaus failed to address score factor, which resulted in approving personal loan, credit card applications. Insist on reporting accounts as adverse or maybe considered negative. Inconsistency in credit scores. No justification received. Credit bureau data input does not warrant accounts being reported as adverse/considered negative. 
See attached for additional information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting numerous inquiries on my credit report that were not authorized by me. I had previously disputed these inquiries with Experian and they continue to remain on my credit profile. I have attached a list of credit inquiries that need to be removed from my credit profile. Here is a summary of those inquiries ... XXXX XXXX/XXXX/XX/XX/XXXX. XXXX Mortgage XXXX/XXXX/XX/XX/XXXX. XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXXXXXX. XXXX XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My apartment charged a break-lease fee ( ~ {$1200.00} ) and turned it over to a collection agency, as they apparently do n't have an accounting department. The debt was paid in full and the account was closed. It is a significant derogatory mark on my credit report and I request that it is closed as it is negatively affecting my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
On XXXX, XXXX, and XXXX I disputed errors on my credit report to Experian ( the same ones over and over ) and they refused to remove inaccurate fileings on my report. They never sent me any information as to why, or proof that the debt is mine. The report that the sent me showed no findings, and gave me no information what so ever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently received a copy of my Experian Credit Report, dated XXXX/XXXX/XXXX, # XXXX. I noticed the following information reported on my report that is inaccurate. I have called an sent certified letters regarding these unauthorized inquiries and there has been no resolution to this wrong reporting information. The FCRA states that the only permissible purpose for pulling someone 's credit report is 1 ) firm offer of credit 2 ) insurance 3 ) employment or 4 ) a court order. The following inquiries are not related to any of these reasons nor did I authorize my credit to be checked by any of these companies : XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, and XXXX XXXX/XXXX/XXXX. The above inquiries are unauthorized and should be deleted immediately.

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 2016-12-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian to have my personal information corrected after I pulled my credit report. I told the agent that I spoke to that there were several addresses being listed on my credit report that were neither mine nor addresses that I have ever resided at. The agent stated that he would not remove nor update incorrect information on my report. I informed the agent that I have lived at the same address for over 13yrs and they addresses that were being reported could not be accurate. I have had the same address listed on my TX Drivers License and with my employer as well. My address has not changed in 13yrs. The agent I dealt with was rude and unwilling to assist me in correcting incorrect information.

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 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have disputed an account on my experian credit report that is being reported by XXXX XXXX XXXX. I have also sent the collection agency several letters stating the account is fraudulent and even sent proof of my residence at the time they state I resided there. I asked for proof of the account and still has not received any proof. Now Experian is stating they will not accept another dispute from me and the collection agency is still reporting and continuing to add fees each month ( original collection amount showed about {$1300.00} now account showing over {$2100.00} ). I 'm requesting that this account be removed from my report because it does not belong to me. And yes I have did a fraud affidavit.

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 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made reasonable attempts to XXXX XXXX with Experian, including the having the creditor agree that the reporting is inconsistent. I have attached a copy of what is being reported by the XXXX major credit bureaus, and as you will see, there are a number of inconsistencies, including credit bureau reporting variations. It is certainly not unreasonable to request this item be deleted, due to the unwillingness of Experian to report accurate information. I am no longer liable for this item, it is paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 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:
As per attached Registered letter to Experian, I have, since XXXX 2015, complained that several entries are not mine, and requested an investigation. Experian has failed to execute an investigation. CFPB should compel this renegade credit reporting agency, or I will do it via a Court here in California.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a credit card account with XXXX XXXX with payment history dating back to 1999 and there have being issues with the account and on-going dispute with the bank.Mysteriously the account prior payment history has being removed from my Experian credit file and the account allegedly sold. All I am my requesting is for the prior payment history to be reinstated to have accurate information as the collection agency XXXX XXXX is making false claims and misrepresentation in court about the payment history and status.

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