vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I received a call from XXXX indicating that he was from an investigation dept for company XXXX needing me to call them within 24 hours if not a judgment will be fine against me since they worked for an attorney 's office and that they would contact my employer to garnish my wages. He later indicated to call back at XXXX with case # XXXX. I have never received any noticed in the mail about it. I call them back but what they wanted is for me to pay by phone an did n't offer to send me a letter XXXX with the instructions on how the payments were going to take place. They have also called my brother indicating that there is a judgment out on me already. 
I called CashnetUSA directly and they told me that they sold my debit XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I disputed the entry for a mortgage foreclosure with XXXX Bank on Experian. They investigated and put the date of XXXX 2015 as the date of foreclosure on the account. I disputed the incorrect date of the foreclosure on my Experian report and they did nothing to correct it. I attempted to get them to fix the information to reflect the correct date of the foreclosure and they will not allow any additional changes to the data on the basis that it has already been investigate. XXXX and XXXX are showing the correct info.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I applied for a credit card through XXXX XXXX in XXXX 2016. I received a rejection letter originating from XXXX XXXX, Creditor dated XXXX/XXXX/16 stating that the reason for my rejection is as follows : CREDIT BUREAU REPORTS APPLICANT IS DECEASED. 
To quote XXXX XXXX, " Rumors of my death have been greatly exaggerated. '' I 'm not so interested in getting the card, but I would like my information to be accurate. What do I need to do to correct this?

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

Complaint narrative:
I have contacted experian numerous times in regards to a collection from XXXX XXXX XXXX XXXX that appears on my credit report from Experian. I 've tried for the past year, to get this sorted out. Under the FCRA I have the right to ask how my dispute was processed and who they contacted for the information. I have done so, and they always claim they investigated the dispute, and it is accurate. How do they deem that its accurate if they ca n't even tell me who they spoke to? I disputed this account online in XXXX 2016 and most recently XXXX XXXX. I would like this account removed as there is no relationship between myself and XXXX 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 2016-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I obtain my credit report dated XX/XX/2016 in correcting my credit. I have filed numerous dispute with all XXXX credit agencies of my residence, and information on my credit. I have also written the owners of the property in which I asked for more information on whom obtained residence in my name. I have not heard from the owner. So I have been continue to file disputes of this and credit agencies continue to have this on my record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 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: MA

Complaint narrative:
I attempted to get copies of my report from the XXXX agencies through XXXX, but each agency gave a different convenient reason why why they would not present my credit information at this time.

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 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : I sent disputes to Experian XXXX. XXXX XXXX XXXX, TX XXXX on XXXX/XXXX/2016. The investigation was not sent to me 1. The information is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The information is incorrect for the following account. This account has been paid-in-full XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information 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 explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I need your help in getting these incorrect address information and unauthorized inquiries removed from my credit file. Please remover addresses : XXXX XXXX XXXX ( the number is incorrect ) and XXXX, XXXX, Al. This information is a result of identity theft.

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 2015-06-03 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was looking online to refinance my mortgage and put my phone number down to get a free quote online, i thought.I was then inundated by calls from companies I did not ask to call me. I spoke to a XXXX XXXX from XXXX XXXX XXXX. I told him I was not interested, but Thank You. Then I get an alert that a company " XXXX XXXX '' pulled my credit for this XXXX XXXX without my permission and no application that i filled out. I called them and asked them to remove this inquiry. They said XXXX XXXX 's company would have to and gave me a number that was disconnected. XXXX. XXXX XXXX number is XXXX. I am coming out of bankruptcy and this really hurts my credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 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 am having continued issue with an account that is reporting on my credit report with XXXX account number XXXX. XXXX is refusing to remove the account from my credit report even though i have supplied them with evidence showing this account was not opened by me. Experian is reporting the account as if it was a business account target in their response to the CFPB said this was a personal account. The account states that it was purchased by another lender which originally it was XXXX XXXX XXXX but the account was then returned to XXXX due to the fraudulent nature of the account. The account is reporting Charged off on 2 seperate months and years XX/XX/XXXX and XX/XX/XXXX I would like to dispute all of the above mentioned factors with Experian and they are not allowing me due to the previous disputes. I need this investegated and for the account to be updated accordingly.

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 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I HAVE PAID A JUDGEMENT TO IRS IN XXXX/XXXX/2013 I HAVE THEDOCUMENTHEHEE DOCUMENT IN FRONT OF ME I STILL HAVE THE JUDGEMENT ON ALL THEEETNT ON ALL XXXX CREDIT COMPANIES I HAVE TRIED EVERYTHING TO NO AVYTHING TO NO AVAIL

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
See below : I would like to register a formal compliant with your organization for allowing my personal and financial information to be used by an unauthorized person. While you all approved an application in the amount of {$750.00} in XXXX XXXX, 2015, as told to me by XXXX of your associates in the fraud department, out of sheer luck the account was never funded. Having already disputed the original inquiry on my credit bureau file, only to have XXXX tell me you all have to remove the inquiry because you all claim it is legitimate. Now I find out that you want me to fill out an FTC form, file a police report and then possibly you might correct this huge mistake. So not only was I a victim of fraud, you all victimize me again, because you provide more protection to the criminal then you did to me ... your response to me for not releasing the information on the application that was submitted was for the privacy of the individual who submitted the application ( the criminal using my personal information ) on XXXX XXXX. Which again you approved then did n't fund because you found some irregularities ... even with all of that you did n't feel the need to notify me of this fraud. I find it unbelievable that as a victim of fraud with your organization that you would continue to perpetuate this fraud by not bringing this to my attention and then not bringing in Law enforcement after you all recognized the fraud and yet you continue to protect this criminal even after I brought this information up again when you already knew it existed. I wonder if your goal here is to allow this type of behavior to continue as long as no one says anything. 

XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-06-30 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: MA

Complaint narrative:
I went to XXXX.com like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do one every XXXX months like I had in the past. I went through bankruptcy in XXXX and have been rebuilding my credit since then -- this is the first time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each one, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the first time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all three bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DE

Complaint narrative:
Followed an an Online Ad for Equity Loan. I own XXXX % of my property of Market Value near XXXX dollars. The loan requested is for {$2000.00}, which fits in my budget, almost at any interest rate. A brief questionnaire in thus presented, and a soft Credit Score Inquiry is performed. 

And here it comes : You 're approved! One last step, finalize your application, said the email. There more info is requested, including complete SS #, bank account, routing number, online user id, password and even security question answer, insurance coverage. Not a question about my life style and spending habits or other obligations such as loans, cars, etc. 

Then for conclusion, an enrollment page in myscore.com and various other online services. 

Clearly, there is no intent to extend a loan whatsoever, but to collect information at my expense, for their marketing compaign. Information that is supposed to be protected. 

Obviously, these people do not need my business or that of XXXX Americans they violate on a daily basis. Who knows, they may be doing it with our own money, that is money earned with sweat. 

The loan is to acquire a car for another 30 hours/week job, XX/XX/XXXX. 

Their customer " service '' says, that I do not have enough debt against the property - In other words, I will be able to payback the loan, is the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I have move out in XX/XX/XXXX in XXXX in XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX. The reason we got kick out from the apartment not due to none/late payment, just we behind renew the lease due to we out of town of the renew period. On the last day before we move out, we asked how much we owe then we could pay off it. and the staff in the administration said they will contact us for payments. Ever since the I never hear from them and tho our deposit could cover because we never got it back. but 6 months later, in XX/XX/XXXX we got call from ( XXXX ) XXXX Michements due to none payment. I have told them that we got attorney to take care the case. But we continually receiving 2 call from them. and the case been hold for 3 months. on XX/XX/XXXX I received call at my office from XXXX XXXX of National Credit System. She said we still owe them money. I told her my attorney will take care of it and I already mark down their information. But ever since the first call from XXXX, I been continually received her call 3 times a week in my office. Its really distributing my life. Even I had told her we will talk to my attorney about it. On XXXX/XXXX/2016 She even asked my co work if she could speak to my manager because I was step out of office. Their company is National Credit System. XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. 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 2015-08-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National credit system account number are asking g too much for XXXX month rent I was. Not their to defend my self in court the rent was XXXX a month one month how can this rent plus a court cost of XXXX pluses XXXX an the cleaning how can that add up to XXXX that is why I want someone to vestigate I am not in no way to pay that I tried to work this out but they are abusing an taking advantage of the public an the credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 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: Genesis Credit Management, LLC
State: ND

Complaint narrative:
I received a letter dated XXXX XXXX, 2016 from Genesis Credit Management in which they asserted that I owe a debt of {$1400.00} to XXXX XXXX XXXX. I sent them a letter dated XXXX XXXX, 2016 disputing this debt and asking for the name and address of the creditor and proof of my responsibility to the debt, along with requesting that the debt be reported as under dispute to credit reporting agencies, and also requesting that any further communications should be in writing and limited to either their failure to verify the debt or the information I requested. I sent the letter certified mail, return receipt requested, and I received proof of their receipt of my letter dated XXXX XXXX, 2016. To this date, I have not received any written communication at all, the disputed item remains on my credit report, and the company continues to call my wife and me on a weekly basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I advised that I was unaware of debt. Notified it was a mistake on XXXX. I have an account in good standing with them. Told them I would resolve the issue and was told they would take me off of call list. They r now calling over 5 times a day on my home phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
The creditor is calling everyone of our family members and friends. We do n't care if they call us, HOWEVER, we will not stand for the harassment of our family and friends. This is to file a major complaint against Springleaf Financial and its collection actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: CASHCALL, INC.
State: OH

Complaint narrative:
Misrepresentation. Threatening legal action when outsode statue of limitations.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
The managers at the XXXX raised my rent to {$550.00} while still advertising the same aprtments XXXX bedroom for {$540.00}. I did n't agree to pay her {$550.00} so I did not renew. Now I am being charged {$1100.00} for fraudulent claims. Including that I moved out on the XXXX of XXXX however I have statements from the storage place that I returned the XXXX to. All through email. So there are records showing the lies and deception tactics to rob citizens of our money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: AL

Complaint narrative:
The debt was paid and has a {$0.00} balance and the collection agency will not remove it even with consent of the doctor 's office that issued the collection. The doctor has stated they have been paid and agree to the removal. I would like this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
In XXXX of 2016 we were solicited for a Mortgage Loan Modification by Seterus, the servicer of our XXXX Mortgage. The deadline to make the first Trial Plan period Payment was XXXX XXXX, 2016 and we made the payment in XXXX. As explained in a prior complaint to your office by us against Seterus , Inc. ( Case # XXXX ) we made all of the required Trial Plan Payments and have been trying, unsuccessfully, since XXXX, 2016 to finalize the Modification. 
Recently, after receiving solicitations from Foreclosure Lawyers, we became aware that XXXX filed a Mortgage Foreclosure Action against us on XXXX XXXX, 2016 ( XXXX XXXX Court Case # XXXX ), after they offered us the Modification and before the first payment was due. This Dual Tracking by XXXX and Seterus was in bad faith and a VIOLATION OF THE CFPD REGULATIONS PROHIBITING DUAL TRACKING IN LOSS MITIGATION AND LOAN MODIFICATION PROCEDURES. In addition, Seterus continued to accept our payments in XXXX, XXXX, XXXX, XXXX, and XXXX and NEVER notified us that a forclosure action had been filed. 
We have been victimized by Seterus over and Over again! 
All this time we have been negotiating with them we had no idea that they had already filed a suit against us.

Company response to consumer: Closed with explanation