vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 I received in the mail a notice from Penn Credit Corporate, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX for a delinquent bill. I live in XXXX and never lived nor visit XXXX Demanding {$45.00}. For a public service bill. For my previous address. However I did not have a XXXX account. If I did I would have assistance due to low income. I did not receive a bill from XXXX itself. I would never be negligent paying my bills. This is very upsetting. Therefore, I think it 's a scam ... Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Peoples Financial Corp.
State: GA

Complaint narrative:
In XX/XX/2016 I took out an auto loan with Peoples Financial Company at XXXX XXXX XXXX XXXX, XXXX Georgia, XXXX. I was told by the loan officer XXXX XXXX that they did not have an online payment system set up. I could email him each month with a credit card authorization form and he would credit my account. The due date was the XXXX of each month. I did this in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX the email was returned saying that XXXX XXXX email account with Peoples Finance was no longer valid. So I went and paid it in person for the XX/XX/XXXX and XX/XX/XXXX payment. In XX/XX/XXXX I went to their location to pay the loan off early thinking I had 5 payments left and a loan officer said I missed the XX/XX/XXXX payment and now had XXXX late fees amounting to XXXX. I said that I had not missed any payments or had been late. They said that the loan officer XXXX XXXX no longer worked there and they were not responsible for emails sent to him. I said that I was doing what their employee told me to do but they said they would not remove the late fees because he did not work there any longer. I tried to talk to the branch manager and he will not return my calls. Ive talked to 2 other people in that office and they tell me that it is my fault that I sent an email to their employee who no longer worked there and therefore missed the XX/XX/XXXX payment. I want my late fees reversed and do not want my credit report to show me as being late on this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-10 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I am currently being harassed by email from XXXX loan companies. CashCallXXXX. They are threatening to sue/ garnish my check. I only applied for a loan with CashCall, paid the loan. Then CashCall said I still owe them XXXX dollars. I filed a complaint, they said they wrote it off on my credit report. These orther XXXX I have never applied for a loan nor have I received anything from them. I tried emailing them letting them know these are fraudulent, but no reply. Next I tried calling them at these numbers ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX not reachable. PLEASE PLEASE PLEASE HELP ME. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
I applied for a loan and the interest is 33 % percent over a 5 year. I tried to get them to lower my percentage rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: INTERFIRST MORTGAGE COMPANY
State: MN

Complaint narrative:
I sent a {$3000.00} check to InterFirst Mortgage Company on XXXX/XXXX/16. They " claimed '' they did not receive it until XXXX/XXXX/16 ( six days after I mailed it from a distance that I could drive to in less than 6 hours ). They applied only {$2400.00}. They mailed the additional {$540.00} to XXXX XXXX, who had purchased the loan. It was not applied to the principal until XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I had my purse stolen in 2007. They never found the person responsible. I cancelled everything, credit cards, debit cards etc. My social security card was in this purse as well as my license. Several years later I was contacted by certified mail and told I needed to appear in court in XXXX maine. It stated I had a very large medical bill I had not paid. I called the lawyer representing the medical facility and explained it was not my bill. He took some information then and asked me if my identity had been stolen. I did n't think so, because there were no other things showing up. Since then there is a different name aka on my credit report and many, many accounts that are not mine. They are actually fairly good credit. My debt to income ration according to this report is extremely high. In actuality my debt to income is extremely low. I have tried to dispute this with XXXX. I even tried to go through XXXX XXXX. At this point the horse is out of the barn, so to speak, so XXXX XXXX does n't do me any good. I have read up on this and found that I have a crossed credit or something. They say it is the most difficult to fix. Any help you could give me would be wonderful. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 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 've been challenging the incorrect and incomplete items on my credit report withExperian for quite some time with minimum success. I 've sent out countless letters to them certified return receipt to only get responses like " New Information Below '' or " Suspicious Activity ''. As per section 609 ( c ) ( 2 ) ( E ) and 611 ( a ) ( 1 ) ( A ) all data furnishers are required to produce the original signed documentation when challenged to solidify the accuracy and completeness of the alleged debt. Experian has failed to do so on many occasions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Heating service claimed they checked my furnace and that the heat exchanger was cracked. They tried to sell me a new furnace. My wife says the worker did not even open his tools and certainly was not there long enough to have checked the heat exchanger. 
When I re-checked the furnace, It took 5 minutes to find the exhaust outlet clogged with coke from the exhaust pipe.I discussed this with the heating company and got no satisfaction. The credit collector got the same explanation and very clear pictures. they never replied to my picture evidence. But filed this none payment. This is abuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found out from XXXX and experian and XXXX that this company had me signed up for services since XX/XX/XXXX-XX/XX/XXXX which is suppose to be owned by Experian they have ruined my life for the last 8 years I ca n't even get a credit card mortgage auto utilities etc I have severe health issues and the emotional damage they have caused me and my XXXX kids is indescribable and we have been hungry poor sick homeless helpless also in dangerous situations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A account from XXXX XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade line with the bureau and supplied them with a copy of my police report, the account was removed. However, the bureau re- inserted the entry without informing me- when the account does 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 non-monetary relief
Consumer complaint received 2015-05-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am refinancing so I have been checking and correcting my credit reports with the XXXX main agencies. I have paid both Experian and XXXX for a " XXXX Bureau Report with Score ''. 
The problem is a discrepancy between what Experian reports XXXX score as and what XXXX reports my score to be. I understand they use different scoring scales and their propriety credit models to determine their scores, but I do not understand why Experian would report XXXX score so much lower, compared to Experian and XXXX, than the score XXXX gives me for all XXXX credit rating agencies. 
XXXX XXXX, 2015 Experian reported the XXXX Bureau Scores as below : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported the There Bureau Score as XXXX Experian XXXX XXXX XXXX XXXX XXXX I do n't understand is why XXXX reports all scores to be about equal but with the Experian report , the XXXX score is about XXXX points below Experian and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have an open account with XXXX XXXX, # XXXX. I have a XXXX balance, per the attached documents. Experian refuses to XXXX out the same. I am asking the balance be reported as XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Paid for and completed the online process of a credit freeze with Experian. {$10.00} was withdrawn from my checking account. My account is not frozen. I can not reach a live person that is willing to help. This is a passive aggressive business practice. 

I completed the same process, the same day with the XXXX other reporting agencies ( XXXX and XXXX ) with no problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I checked my credit history with Experian Credit Report XXXX XXXX, XXXX and found unknown to me account number XXXX opened with XXXX in XXXX XXXX. I never opened any account with XXXX, never applied for any credit line with them and not aware of any charges for any products or services from them. Also I never got any letters, emails or phone calls from 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 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I filed for bankruptcy protection in Maine as a temporary method of protecting my financial commitments while waiting for a consumer complaint case to be mediated-I did n't want my vehicle repossessed before the manufacturer was held accountable under the Lemon Law and replacing it or refunding my money. In order for the bankruptcy to be valid and proceed, I would have had to pay the required fee ( which I did not ) as well as providing the complete application paperwork & forms ( I also did not do that, as this was simply a strategy to delay repossession for a few days. Since I did not submit the complete package and fees, the case was dismissed almost immediately, but Experian has maintained that this was a valid bankruptcy and has listed it as such in my credit report since XXXX. 

This has caused me great harm in that I have been repeatedly turned down for consumer credit despite my record being pretty much spotless with no debt. I first submitted appeal # XXXX on XXXX/XXXX/XXXX that included a statement from XXXX Maine that the case was dismissed, but Experian refused to acknowledge the dismissal, saying that the bankruptcy was valid. 

A year later on XXXX/XXXX/XXXX I checked my credit report and found that Experian still burdens me with this invalid bankruptcy, so I filed another appeal ( # XXXX ) and Experian still maintains their unreasonable position. 

I believe that if a bankruptcy was dismissed/never happened that I should not suffer the same consequences as though I had proceeded through the entire bankruptcy process and since I did not benefit from the bankruptcy other than to gain a few more days so that the mediation could be completed, then I should not have to suffer the same consequences as if I had. 

To consider otherwise would unreasonably burden consumers with the punishing effects of " credit terrorism '' without being justified by actual events. In what world does " dismissed '' really mean I have to suffer this harm anyway? If valid, then it would take away any incentive for consumers to avoid bankruptcy - was that the intent of the government - to ceaselessly punish consumers when they try to do the right thing and honor their commitments? That would be counterintuitive at best and easily seen as a grossly negligent policy if true. 

Please review the attached materials and tell Experian that they are causing more harm than good. In fact, I ca n't think of one positive aspect of their business model that benefits our society whatsoever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Wrong names and initials, wrong address listed, accounts listed not mine some over seven years, wrong employers listed. Accounts I do currently hold not listed. Current employer not listed.

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: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
EXPERIAN is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have 30 days to responded to my request. I also need EXPERIAN to present a certified final forensic audit in accordance with XXXX in accordance with basel XXXX accord and XXXX. I also need them to present these documents from the following vendors/creditors : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX 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 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have XXXX accounts that are reporting incorrectly. XXXX XXXX this was shown as included in bankruptcy when I told them I do n't have a bankruptcy on my report that put it on as serious late payment history that is also wrong. 
XXXX I also have a XXXX county I called they told me I have to dispute it they refuse to investigate because if they did they would see its wrong they have done nothing and you company dose noting as well I have done this now 15 times and you have done nothing for me whatsoever

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 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian ask for {$1.00} to check your credit report, but they keep your credit card on file and bill you {$21.00} two weeks after. 
Spoke with their representative XXXX and supervisor XXXX in XXXX and they said that when you approved the conditions they charge you montly! 
Please help,

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 monetary relief
Consumer complaint received 2015-07-22 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: NY

Complaint narrative:
In addition to Experian NOT completing my disputes using the information I provided, I was charged to use Experian.coms website to get my supposed free results of a dispute XXXX months ago. I was sent an email and a link to see results of my dispute and when I hit the link, I was given a response of " We can not provide your results online at this time ''. I asked a rep why this was and they suggested using the experian credit tracker instead. I was told I had to give credit information and was charged each month since almost {$25.00} per month. I called a rep today to cancel this and asked for a refund and was only given XXXX month as a " Courtesy ''. I am sick and tired of dealing this this company. They continue to tell me my disputes are frivolous, they charged me for a free result of a dispute result and they send me form letters saying they will not honor any of my disputes unless I provide new information. I 'd love to be able to, but they continue to validate numerous XXXX accounts and Court records using false information, then telling me it came back verified. Why are XXXX and XXXX able to do manual investigations and Experian not? They are clearly not investigating using the information I have provided and match these accounts with my name only, never looking further to see that the name XXXX XXXX does not legally exist or was ever attached to anything on these accounts with me. Then to add insult to injury, they tricked me into paying for credit monitoring to get results from an investigation I did back in XX/XX/XXXX of this year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-08 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:
Hello, I paid for a monitoring service with Experian at Experian.com 3 months ago and immediately l discovered an unknown entry. It has been 3 months and my case has yet to be resolved. I am requesting your help to have the following unknown entry deleted. I have contacted the original creditor but they cant help me because the account is not tied to my personal information XXXX XXXX XXXX Acct # 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 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
regarding case XXXX Experian did nothing to fix this issue. They refuse to properly update the information and claim it was already verified. Maybe they should verify with the XXXX Bankruptcy court! The XXXX other crediting reporting agencies XXXX are reporting it correctly as discharged in XXXX. This debt was discharged in Chapter XXXX BK. It would be illegal for them to claim they sold the debt or transfer it as Experians report reflects. There report shows it as a collectible debt! It should read discharged in Bankruptcy. By them not reporting it properly I was denied credit because they used Experian to pull their data. My Experian score is XXXX lower then both XXXX because of Experians false reporting. Experian is in violation of the FDCPA by misreporting and refusing to accurately verify the data.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Wanted to check if I established some sort of credit in the past, curious to see what I might have. Experian Questioned if I tried to get a mortgage loan last year or applied for a retail card? The amount I applied for on the mortgage, I did none of those things whatsoever, at all, or even tried to apply for a credit card.

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