vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX is still reporting an old acct which they agreed to remove when we settled the account. I 've requested the acct be removed but Experian continually reports it as being verified. I 've asked both XXXX XXXX XXXX XXXX Experian to provide all the proper documentation they 've used to verify the account but they have not responded to me. I would like this account removed per my settlement agreement with XXXX XXXX XXXX ... this was an oral agreement which XXXX XXXX XXXX agreed to remove from my records back in 2009. It 's still being reported inaccurately. I 'd like it removed immediately per the settlement agreement.

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 2015-11-12 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:
I have XXXX hard inquiries on my credit report that were not mine. I have previously called the companies and also contacted the credit bureaus. I have had no response and the negative information is still on my report. With both false inquiries, incorrect addresses were used, too. The inquiries I am speaking of is the XXXX and XXXX inquiries. I need to have these removed as my credit is negatively impacted by these errors/identity theft usages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have creditors that are time sensitive debts that are over ten years old and by Oregon state law it is my understanding they should no longer be on my credit report. What information can you provide me to help remove these creditors from my report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 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 have contacted Experian on several occasions to dispute unauthorized inquiries of my credit report by several companies. Experian has simply refuse to investigate or remove inquiries from my credit file. I I have even written letters to creditors disputing inquiries but never received response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I believe I am a victim of fraud, the inquiries 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 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian They sent me a report and reposted Items they removed the XXXX XXXX bank account they do this over and over it takes me months to remove and they put it back on Please have items removed and not reposted over and over.

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 2016-04-08 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:
Disputed this XXXX account with both XXXX and Experian multiple times. Experian continues to verify. XXXX has agreed to delete this account and request removal from all bureaus.

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 2015-09-23 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:
I disputed a judgement which is not mine with this company # XXXX and they have not responded. I need confirmation they removed this inaccurate listing. Can you please help me find out?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Submitted via mail on more than one occasion that my credit was pulled in error on XXXX/XXXX/2015 by various automobile financing companies. I provided them with information that would help resolve the matter. XXXX XXXX, general manager at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AL XXXX, XXXX spoke with each of the bureaus in trying to help resolve this. Each told him I would have to dispute with them. I did and have yet to hear from Experian about a status or that an investigation has been completed.

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 2016-06-10 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:
Unauthorized inquiries on 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 explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I Do not know of Williams and fudge collections with a student loan amount from XXXX university. I do not know Williams and fudge and requesting to be removed as it 's reporting to the CB and negatively affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MI

Complaint narrative:
Someone took a credit card in my name. They accumulated almost {$13000.00} in debt and did not pay it. I never received statements for this account and had no idea it even existed. I was eventually contacted by a debt collection agency saying I owed XXXX almost {$13000.00}. The debt collection firm is Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX. Stillman and XXXX took me to court and won a judgment for {$12000.00}. I did not go to the court hearing as I was told not to. This is not my debt but I am being forced to pay for it. Stillman Law Office is garnishing my wages. I only make about {$350.00} a week. It is ironic I never received any bills or statements but when they went to collect they found where I live. Again they have been garnishing my wages but call almost everyday wanting more money. They wo n't stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 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: IL

Complaint narrative:
my student loan is in good standing. no late payments. It was removed from XXXX credit report only. this has affected my credit score. I called them but no change. 
It was amazing this happen on the day i applying for a loan. I believe this was done deliberately. 
this was an underhand interference and calculate during the time of applying for a loan. The loan was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 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: GA

Complaint narrative:
This company, ENHANCED RECOVERY COMPANY ( ERC XXXX was found on my credit report and I did not receive any XXXX day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-23 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: Sound Collection Services
State: WA

Complaint narrative:
I was told by my Landlord on XX/XX/XXXX I had until XX/XX/XXXX to move out because my lease will not be renewed. I had XXXX witnesses who heard this conversation one of them was the property manager. I wrote a letter stating that I was being evicted and my lease was up on XX/XX/XXXX. I also stated on there I was giving my notice for moving out even though i was being evicted. Well I dropped this letter in the drop box at the apartment complex. Then I started getting phone calls saying I owe for the Month of XX/XX/XXXX. I was contacted by a new Landlord from the complex. I told them what happened and had a copy of the letters I left and went and dropped them off with the new landlord because they said I never gave a notice and I was never evicted. Anyways I gave a copy to the new landlord and they still are trying to get me to pay the {$600.00} plus I do not owe. I still have the orginal copys. I was and still am on Section 8 Housing and they HAVE the copies of everything also proof that they called XXXX apartment asking why they evicted me. I had to go though a hearing because I almost lost my section 8 housing because of my Landlord. THankfully I did not lose it because the proof of the letters helped in my appeal. I just want this off my credit score because I do not owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
CItizens Bank NA was the defendant in a Class Action Lawsuit several years ago https : //www.citizensoverdraftsettlement.com/The short story on the case is : Citizens was processing checks presented before the deposits were credited, causing XXXX of overdraft fees. Then if that was n't enough Citizens " sold '' all the fake debt to a " XXXX Party '' collection agency ( XXXX XXXX XXXX XXXX ) who now appears on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My Citizens Bank account ( XXXX ) was compromised by a hacker. Whoever it was attempted to access my accountant. The problem was discovered, when I attempted to log in through my mobile app. The XXXX asked me to contact my bank because I was locked. In a previous phone with XXXX, I was informed that someone attempted to hack my account because the log-in location did not match my usual login pattern. They immediately escalate the incident. Citizens Bank, however, did not investigate as promised but instead they reset my password but I was still unable to log-in. During all my frustration, I transferred funds from my business account to personal account which is a separate ID. In the confusion I transferred it funds to the wrong account. I attempted to log into account after the password was reset from my mobile app and I was locked out again. Yesterday, I came in I did not get a chance to check my account. This morning the confusion of the deposit was discovered as a result my bank is charging me {$35.00}. I try to explain that my account was hacked, but my security question prevented any withdrawals. My bank refused to refund my XXXX and tried the entire incident as my error. I am still unable to use my mobile app and XXXX had reset my password again. The only way I can access my personal account is via a PC. Until I call this morning, my treated the attempted hacking as a user error, instead of, changing my user ID. I need my funds back because I am stressed and on high alert. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-22 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Big Picture Loans, LLC
State: TN

Complaint narrative:
I applied early on Wednesday. I was told I had applied and was approved early enough to have the money in my account the next day. I did not. I called and was told it would be in my account the next day. It was not. I waited another day and on Saturday, still no money. I called and was told they had a " system error '' and that I would get it Monday. Well, I doubt I will. Even if I do, that is almost a week later than I was assured I would get the money. I asked about adjusting my payment date and was told they could n't. I asked about lowering the interest charged on the first payment, since I was now, at best, getting the money 3 weeks before the first payment is scheduled instead of almost a month. I was told they could n't change anything. They are charging me interest on money I do not have. This can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
My problem is the payday lender is harassing me via phone. I just received a voice mail threatening me to contact her within 24 hours or I 'll be charged with bank/check fraud. I Was given a " case number '' that does n't really exists and told to call a certain number XXXX XXXX XXXX - XXXX XXXX XXXX when she called on an " Unknown '' number. I 'm tired of these people trying to scare money out of people. They need to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 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: NJ

Complaint narrative:
Closed my account with XXXX 2 years ago. Received a collection notice from this collection agency almost 2 years after debt was paid in full.

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 2016-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank is giving me the runaround about paying me my {$200.00} bonus. The requirement for the bonus was to deposit in XXXX transaction {$500.00} by XXXX XXXX, 2015. Which I did. I told the teller I wanted to deposit the {$500.00} check, and then withdraw {$100.00}. I did not state that I want {$100.00} back from the check. The bank is saying that this is my fault for not informing the cashier of the promotion and doing XXXX transcactions. I went in with the intention of making my obligatory {$500.00} deposit with the check. I did not think or even realize that I had to inform the teller how to process the transcations. Nor did the teller inform me that my deposit would be reduced by my withdraw. I have been told that I should have known therefore the requirement has not been met. Citizens Bank is refusing to pay my bonus on a technicality. I am due the {$200.00} bonus. I made the {$500.00} deposit with the full intention for it to be recorded as such. I had monies in the account to cover the {$100.00} withdraw. I believe that this gives them an excuse to not pay my bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-17 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: VA

Complaint narrative:
I borrowed {$300.00} from XXXX, also known as Castle Payday Loans. I have made several payments to them that totals close to XXXX. When I tried to go on the Website to pay the full amount, they would immediately take the website down. There trying to make me pay XXXX for {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Due to incorrect information provided by XXXX and statements being sent to an incorrect address this account was incorrectly defaulted. I continued to set up a payment arrangement with the citizens bank which is the owner of the loan, XX/XX/XXXX i sent in several payments and they were returned to me in the mail, I pursued to call citizens bank on XX/XX/XXXX to see why the payments were returned and was advised that the loan was with the " bankruptcy department '' i advised that I have never filed bankruptcy and immediately disputed this directly with citizens bank. on XX/XX/XXXX I contacted the credit bureaus and disputed the reporting to which citizens bank and XXXX confirmed that every thing was correct. i called back the company on XX/XX/XXXX and spoke to a representative XXXX, the rep advised that the account is still in bankruptcy. I advised that i need to have my account rectified as i am incurring several negative issues due to this. I asked the rep to have a letter sent to me confirming that the account has been removed. XXXX went on to advise me that she can not do this and all letters of such goes through the legal department and that takes XXXX months to complete. she went on to transfer me to the bankruptcy department that denied providing me any information on my account in regards to when the account was placed in bankruptcy or why it was placed there, although i was fully verified. i was then finally transferred to the legal department to a rep named XXXX. After a detailed explanation XXXX advised me that my account was incorrectly placed in bankruptcy on XX/XX/XXXX. I forwarded a letter on XX/XX/XXXX with tracking number XXXX detaling all my various disputes and inquiries that the company incorrectly provided information to the credit bureaus to and requested that as a result of several violation of the fair credit reporting act, this account be removed from all credit reporting. on XX/XX/XXXX I received a call from XXXX XXXX XXXX who had no information on the account and advised me that the company had never received a letter although the tracking showed it was received and signed for by their agent. she stayed several weeks reviewing this and on XX/XX/XXXX seven months after I initially disputed the incorrect reporting of my account as bankruptcy i was sent a letter stating that the account was placed incorrectly in in bankruptcy on XX/XX/XXXX and removed from bankruptcy on XX/XX/XXXX. during that time I have been denied a mortgage by XXXX XXXX, denied credit cards, and had credit cards approved with very high interest rates. I would like to have this account completely removed from my reporting due to violation of my rights on several accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: OH

Complaint narrative:
XX/XX/XXXX, I incurred a debt with XXXX XXXX. Since then, the company has repeatedly transferred the debt back and forth between collection agencies and themselves, and then extending the " reported '' date. Now on my credit reports, the " reported date '' says XX/XX/XXXX -- when the debt was incurred almost 4 years earlier, and should actually drop off my credit report 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 2016-06-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: IN

Complaint narrative:
I made a HUGE mistake of taking a loan out with these scam artists, I was approved for a {$1000.00} loan, and I was told that there would be a {$350.00} finance charge, and although that seemed high, I agreed. 

What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure NOT visible at the time I accepted this loan showed an APR of, and this is not a typo either, 779.0804 % and that the total repayment amount for my {$1000.00} loan would be {$9900.00}. 

After realizing what I had gotten myself into, I started looking online and saw what kind of company this is, they are a predatory lender engaged in illegal business practices. 

I am a single mom ( so single income ) with XXXX children and no child support. I will not be able to eat or feed my children if i have to pay this ridiculous finance charge. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 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: MA

Complaint narrative:
Your office completed an ivestigation on this matter and the compnay stopped collecting the debt but they still have not removed it from all XXXX credit bureau 's. 
ERC for XXXX XXXX is still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-31 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: FL

Complaint narrative:
A few months ago, I noticed that Enhance Recovery had added a XXXX debt to my credit report. I called them and told them it was not mine, aftera few days they removed it. They told me it was a mistake. I then called XXXX and told them that I never had their service they then told me that I needed to file a Police Report. I told them that I was very busy working that I would not have time to file a police report but if I did I would. This morning, the same item showed up again on my credit report. They did not send me any notices it just showed up again. At this point I do not know what to do with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief