vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had a secured Capitol one cred card for a few years. I paid a $XXXX payment on this particular account the end of XXXX. Soon after the payment was made  I simply called and asked the customer service rep , if I closed my secured card account , would it hurt my credit. I at that time at XXXX other unsecured Capitol One cards and didn't feel I needed the secured card because my credit was descent now. I went online to make a payment on the secured card, it was still a $XXXX and some balance. The account was closed. I called the customer service line again , and the day i was asking questions about my account, this person CLOSED my account. I have repeatedly called capitol one and they say i have no money left on my secured account. When I look I have $XXXX available credit. They WILL not give this money back to me. I have statements saying I paid that $XXXX and the statements show that I should get that $XXXX back. Capitol one more or less says sorry about your luck. Now every single month they are charging me late fees and the account has been closed for months. They will not listen. The $XXXX on the account should have what is owed deducted and the balance sent to me.  I have all the paper work to prove what I am saying is accurate. They are crooks and NOW I closed every single account I have with them, including my auto .I will take this to court if i have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I signed up for a one-off credit report from Experian - a service I wanted to receive. After a few months I noticed that I was being billed monthly for {$19.00}. I did not notice this the first 2 months but then I phoned to query it. I was told that when I signed up for the one-off payment there was some small print that said I was given membership of a monthly credit check service that was initially {$5.00} but would increase to {$19.00} if I did not sign out of it. I do not recall this and would not have signed up for any monthly membership - even at {$5.00} - because it is a service I do not want and do not need. I called Experian to cancel the account and get a refund. They canceled the account but would only refund one month 's payments. I want all the payments refunded as they are for a service I did not want or need - and one that I was tricked into consuming when I was only trying to get a one-off credit check - which was the advert that I saw and to which I responded. I am extremely careful with my financial affairs and would not sign up for a service like this. The advertising is particularly misleading as it relates to buying a one-off report but has set up a monthly service in an underhand way. 

I spoke with a manager for whom I have the name and contact ID which I can supply as well as my Experian account number. 

I would be very grateful if you could pursue this case - and publicize the misleading and unfair way in which Experian has acted.

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 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all three major credit reporting agencies, XXXX Experian XXXX XXXX whose report numbers I have entered in the field for 'Original dispute case numbers. ' None of these agencies have ceased to continue this negative reporting on my credit records. It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/15 ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, 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 non-monetary relief
Consumer complaint received 2015-06-08 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:
XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes due to multiple fraudulent credit inquiries. I contacted Experian disputing the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My report contains information that should be deleted due to settlement with the original creditor, a third party agency refuses to remove their mark even after I proved to them that I paid the debt, according to settlement with XXXX they placed a balance for collection after I settled the debt with them then they reported the wrong open date to keep it on my report, this is a violation of FCRA

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 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went to Experian to get free credit report and paid XXXX for the credit score. The condition that if you do not cancel in XXXX days you will be charged a monthly fee was not placed front and center and instead said free all over the homepage for using this service. However hidden in the terms and conditions which is a XXXX word XXXX hours read, right in the middle of the terms is where they say that it is free for XXXX days and you will be billed after that if you do not cancel. I feel this is misleading and needs to be placed in the front of a consumers application. Many of the terms and conditions are not even understandable unless you are a lawyer. I called Experian and they said that I can not get a refund. I only wanted a credit report and score for me any my wife and it costs us XXXX in the end for no service we needed.

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 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting in accurate names, addresses and social security numbers on my credit report that I feel is affecting my credit and putting me at risk of identity theft or a credit merge. 

Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA.

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 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have soooooooooo had it. I do n't have a " file '' number because they deleted it in 2012, YOU CA N'T KEEP A DEBIT THAT IS TOO OLD. YOU NEED TO DELETE IT. AND I HAVE DISPUTED IT, AND DISPUTED IT. IT IS ANCIENT HISTORY, JUST BECAUSE XXXX XXXX SOLD IT TO XXXX BANK DOES N'T MEAN IT IS NEW THIS IS A VIOLATION OF THE LAW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am trying to get my credit report fixed and I was told that the bureaus have 30 days to respond, I mailed ExPERIAN a letter on XX/XX/XXXX and have yet to hear from them. I am not going to continue to waste my time on this so please help me. My main concerns are in the letter that I have attached to the complaint.

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 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is currently reporting a collection account from XXXX XXXX & XXXX on my credit report from XXXX. I have no knowledge of this account and i have never rented an apartment from XXXX Apartments. The address has never been a residence of mine and i have no knowledge of this account with them. This account does not belong to me and should not be reporting on my credit file. i have never rented an apt from this company i have lived in my home since 2006 with an open current mortgage. this is not my 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 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Hello my name is XXXX XXXX, I 've been apply for a personal loan in XXXX XXXX XXXX XXXX in XXXX XXXX XXXX and they denied my application because they said in my credit report shows somebodyelse information what is not accurate because is check my credit report trough creditkarma and it 's not showing anything else then my personal 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 non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed an account on my credit file numerous times and I 've been informed by the credit reporting agency that my account was investigated and that the item remained unchanged from the processing of the dispute. The account was included in a Chapter XXXX bankruptcy in which was discharged on XX/XX/XXXX. The credit reporting agency is using that date as the date of recent balance in which will place the account on record until XX/XX/XXXX. The date of last activity for the account was in XX/XX/XXXX. So therefore the account has to be deleted from my credit file according to the Federal Credit Bureau guidelines. I also made contact with the creditor and they stated to contact the credit reporting agency to have the old account removed from their records. I have made numerous requests to have the old account deleted from my credit file. However, the credit reporting agency has failed to respond to my requests.

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 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I made a timely payment to XXXX Bank for my XXXX credit card payment beginning with XXXX. Due to an error on their end it was not processed and incorrectly reported to all credit bureaus. XXXX Bank agreed to notify all XXXX credit bureaus to remove the late reporting on my credit report and issued a letter on XXXX XXXX, 2015. I notified Experian on XXXX XXXX, 2015 and on XXXX XXXX, 2015 to remove this incorrect information from my report. I also called them and uploaded the letters from XXXX Bank on their website. Despite numerous requests they have not removed this information from my credit report. The other XXXX agencies XXXX and XXXX have removed this information as of XXXX weeks ago. These actions by Experian are in violation of the credit laws established as they have not adhered to the XXXX or XXXX day deadline from my XXXX/XXXX/15 notice. Please have them correct this immediately. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I am disputing the inaccurate information the Chex-Systems has on my credit report. I initially submitted a police report on XXXX/XXXX/16 and Chex Systems only deleted the items that I mentioned in the letter and not all the items that were actually listed on the police report. In other words they wanted me to say word for word to them what items were fraudulent. The total disregard of the police report and what accounts that it states that are fraudulent. If they just had paid a little closer attention to the police report I would not been in this position now and they would n't have to research once again. I would like the reported information to be removed : 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 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I have contacted ChexSystems numerous times via mail and phone requesting a pin is sent to my address. I have updated my current address with the company each time I have spoken with them. I have been attempting to receive a copy of my report for the last six months and every time I call they continue to verify the wrong address and refuse to acknowledge any previous requests or correspondence.

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: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: NC

Complaint narrative:
This company continues to call my cell phone and work phone, trying to collect a debt that was wrongfully submitted to collections. The debt has been resolved with the original medical provider. However, this company, Frost Arnett, continues to contact me trying to collect a debt they are not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC
State: VA

Complaint narrative:
FMS Financial Management Solutions, through its representative, XXXX XXXX, has a false claim that I, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, owe a debt that we do not owe. They have filed this on our credit reports, despite the evidence that their claims are inaccurate. This is a clear violation of the law by their false representation of an amount and legal status of a so-called debt they are claiming. We provided them the information and evidence that they are in error, but they have since failed to correct their error. 

Originally, a dispute had arisen with a potential landlord that was settled in court. When a significantly reduced judgment was entered in court, we satisfied the judgment, since XXXX 2015. However, FMS Financial Solutions has continued to negatively affect our credit score since that time by insisting that we owed an amount which is simply false and inaccurate. 

FMS Financial Solutions refused to correct their records, despite the fact that they were made aware that they are in violation of the Fair Debt Collections Practices Act ( XXXX XXXX XXXX ), especially section XXXX ( false or misleading representation of " A ) the character, amount, or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment, and XXXX XXXX, their representative, refuses to correct this information. 

We provided proof of the satisfied judgment amount and closed legal status, which was significantly less judgment than their client was claiming. We notified them that further delay requires further action provided by the laws of the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Using a debit or ATM card — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
An company totally unknown to me named Certegy Check Services, Inc.has stated that they refused to allow my check to be cashed. This is from a legal class action court settlement ( Outage Alert Text Message Settlement c/o XXXX XXXX XXXX ), and guaranteed by law. Check # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: TN

Complaint narrative:
When the bill came through the hospital it was XXXX and I paid XXXX up front before XXXX on a XXXX deductible. They are trying to collect XXXX dollars and will not send an itemized statement after being asked to do so. 

Calls numerous times a day and on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Management Solutions, LLC
State: PA

Complaint narrative:
Call is for my XXXX year old mother who is in a XXXX home and is XXXX pending XXXX calls a night from XXXX XXXX '' XXXX.FMS Financial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
Several months ago, I faxed ChexSystems proof that my Bankruptcy was XXXX. They, in turn, agreed to remove all derogatory information from my file as the items were included in my bankruptcy. 
I applied today for XXXX XXXX XXXX account, and was denied due to information Chexsystems is reporting. Since I 've not opened a bank account post-Chapter XXXX discharge, Chexsystems has not complied with their promise to clear all information from their records. 
Attached is my personal ID to help expedite my request - which should have been honored 5 months ago. But was not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Bliksum, LLC
State: CA

Complaint narrative:
They have been calling my job saying that need to serve me documents and they tried discussing this matter with HR or an office manager and were very persistent. I told them to reach me at home and provided an updated address.

Company response to consumer: Closed with explanation