vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This makes my third time trying to dispute information the has been submitted by : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. The negative remarks pertaiing to late items are inaccurate. 
XXXX XXXX reported me as 60 days late XX/XX/XXXX before my payment was due. Also XXXX XXXX was provided authorization to withdraw my payments from my account utilizing a special payment program. The docuemnts to authorize this program was submitted to XXXX XXXX on two sperate occassoin the first being in XX/XX/XXXX and the most recent on XX/XX/XXXX. I confiremd the receipt of my document prior to my payment being due in XX/XX/XXXX and the female customer service rep at the XXXX store confirmed my draft and payment date of XXXX/XXXX/2016. The drafted payment never cleared my account and so I called the branch. I was informed that the payment for both XX/XX/XXXX and XX/XX/XXXX would be processed on XX/XX/XXXX, but this did not happen. Instead I was given a negative payment mark of 60 days even before my paynebt due date of XX/XX/2016. When I called the branch they stated thaty never had an automatic draft plan scheudled for me. I informe them of the error on my credit report and my willingness to file a XXXX complaint at which time they tried to work with me. A manager ( XXXX ) from the XXXX branch contacted me and stated that my account would stay in a duispute status and if the account payment were caught up he would then notify the main office to correct my credit report to reflec that the account error was resovled. This conversation took place on XX/XX/2016 at approximately XXXX. 

XXXX XXXX has reported me delinquent for XX/XX/XXXX and XX/XX/XXXX but has recieved payments in both months accordingly. The past due balance they are reporting is inccorrect and includes additional fees that have not been provided to me or explained to me. Attahced is a copy of the payments that have been made to XXXX XXXX over the past six to seven months. I have not been contacted by XXXX XXXX regarding any late payments. 

XXXX placed my account in a payment protection status and I requested a letter to verify that I was placed in this program. XXXX has removed my account from the collection status as the past due remarks were done so in error.

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 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX XXXX # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX bank # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX & XXXX # XXXX XXXX # XXXX opened XXXX XXXX XXXX # XXXX XXXX XXXX ofacct # XXXX XXXX XXXX XXXX Opened 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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
they removed this info. from my credit report without my permission which is in good standards XXXX {$6000.00}

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

Complaint narrative:
EXPERIAN Credit has an incorrect date of birth. 
Should be XXXX/XXXX/XXXX ( NOT 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 2015-11-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: MORGAN STANLEY & CO. LLC
State: OK

Complaint narrative:
My financial advisor referred me to their XXXX XXXX department when I told them thay I was going to buy a house. I was approved for a loan and I started looking for houses in my price range. When I found the house that I wanted I locked in my rate and started the application process. Throughout the process they exhibited poor communication and started asking for documents a couple of days before closing. Two days before closing they contacted me to finalize numbers, including my monthly payment which was quoted to be {$1500.00}. When I got to the closing table I discovered that monthly payment would actually be {$1700.00}. When they informed me of this payment I felt like my back was against the wall because I was afraid being sued by the seller and I felt I had no choice but to sign. Since my closing two weeks ago I have been under duress on how I am going to make my monthly payment. On my Truth In Lending Disclosure they quoted my taxes and insurance to be {$290.00} a month. As a normal consumer this number did n't seem out of the ordinary to me. In doing my research I have been made aware that several professionals from Morgan Stanley Home Loans neglected to change the property tax number to the correct amount even after they were told by the title company on XXXX occasions that their estimated property taxes needed to be adjusted. Morgan Stanley Home Loans were negligent on several occasions. I am now stuck with a mortgage payment I ca n't afford.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 'm receiving absolutely no assistance from the credit bureaus and I really need some help. I 'm specifically stating my disputes and I 'm receiving the same result each month when I am clearly pointing out where they are inaccurately reporting my accounts. HOW can they be verified when I am looking right at my credit report and getting the information from there? Please see the attached letters which clearly state where they are wrong. I need someone to help me because this is exactly why the FCRA was enacted - to protect people like me from people like them who do n't give a crap about anything and blatantly and willfully violation 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 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX -Account is not related to me,XXXX times submitted a dispute, but accounts is still there XXXX XXXX account was paid off in XXXX, but i have late payment on XX/XX/XXXX, which is not true, paid off letter was provided to Experian but problem is not resolved

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 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On my Experian credit report XXXX in the inquiries section XXXX Bank has been requesting my credit report monthly. I called XXXX and they have no record or knowledge of this and suggested I dispute it with Experian so they could locate the source. Experian would n't allow me to dispute this and said they could do nothing about it. I was told to dispute any wrong information found. Are they not suppose to follow up on any questionable information on a report? This is the same company that merged me with someone else last year and it took months to resolve. Frankly, I no longer trust the any of the credit reporting companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-31 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 XXXX student loans that were transferred from XXXX XXXX to XXXX and they are both XXXX reporting late payments. So I have late payments showing up for the closed XXXX XXXX accounts that were transferred to XXXX and then XXXX is reporting the same late payments on my credit as well. So the same late payments are being reported XXXX from the old account owner and the new account owner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 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: TX

Complaint narrative:
I submitted all required information that was asked for by the website and then something poped up asking questions from one of the credit bureaus to verify my identity and i answered all questions correctly and to the best of my knowledge and it denied me because it could not verify my identity. I have already reported identity theft to the Federal Trade Commission. Please contact me as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is telling me that their policy requires consumers to get letters from creditors to remove dispute remarks from their credit report. This process leaves consumers completely at the mercy of creditors. In my experience out of XXXX creditors, none of them have been able to provide documentation to help me get these remarks removed. Mind you, I have PAID these accounts off. They are at a zero balance. Due to this issue with Experian, my mortgage loan approval was halted. My lender tried to use their XXXX XXXX program to help get these dispute remarks removed, but they were told of Experian 's policy. I spoke to several representatives at Experian and even a supervisor indicated they had no authority to remove these remarks without documentation from the creditors. The responses from the creditors varied wildly from " We do n't have access to your account any longer '' to " We do n't send letters ''. I had one assurance that I something would be submitted to Experian within 24-48 hours, but somehow I do n't believe that. This is causing me to fall into a mortgage category with a higher interest rate with a mortgage payment costing approximately {$360.00} more per month. There is no resolution and this seems like an endless loop of phone calls and dead ends.

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 2015-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got a certificate of {$500.00} from Chase bank to open a checking account. I sat with a representative for one hour and she tried to put my accounts online when she told me she had to abort the opening of the accounts. This same process has happened XXXX times with Chase bank. I submit docs for direct pay and 3 to 4 months later they close my accounts without a legitimate reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting a fraudulent account on my credit report twice and has refused to remove. Experian in reporting XXXX same account two times from XXXX, account numbers Account number XXXX. Obviously, XXXX does not know it is illegal to report the same XXXX account twice, against FCRA. I have submitted accountable documents to Experian to support that this XXXX same fraudulent account from Navient Account number XXXX is reporting twice and it XXXX XXXX 's account not XXXX XXXX. I have never signed or had any affiliation with this account Account numberXXXX from XXXX. I did not know about the account until discovering on my credit reports. I am now submitting a notarized letter from XXXX XXXX which she is the party responsible for the account and I am asking for the immediate removal of them from my Experian credit report once again. Again, I am asking for the immediate deletion of this fraudulent account which is reporting two times. I have submitted uncountable documents to support that this account does not belong to me and I should not have to result to legal representation for the removal of the fraudulent accounts. I am attaching a notarized document from XXXX XXXX acknowledging that this debt belongs to her not 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 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir or Madam, I disputed several negative items, several incorrect names and addresses, inaccurate bankruptcy data all of which are on my credit report and have cost my husband and I XXXX dollars in high insurance premiums and interest rates on loans and my husband is an XXXX Veteran with a VA loan and this inaccurate data is not allowing us to refinance or open a savings account for our child 's education. We have tried to call Experian but ca n't reach anyone, it 's all automated. I filed disputes and provided supporting documentation but the only result they gave me was to remove an inaccurate telephone number. Experian never deleted anything after I proved that certain items were not mine or did not belong to me. Negative information remains and so does the above mentioned items. Nothing has been corrected or deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Comerica
State: OR

Complaint narrative:
I am on social security. I get my funds via a direct express card that SS insisted I use. I get no bank statements as they cost money I do not have. I called direct express the automated line to see why I had no money left. I ended up talking to a very helpful clerk who very patiently found 3 problems on my account. 1 XXXX company 's were continuing charging me when I had cancelled the services 3 days after signing up on line. So at first the clerk thought we were just dealing with a one month issue.however she took it upon herself to check back and it turns out they have been charging for services I have not received .I had cancelled The clerk opened two tracking numbers then had to cancel them and finially told me to just write it up and send to them. And I need to get the cancellation date and the confirmation number as well. Ok I have done that I have been cking monthly with direct express. What I was told today after I had given them my SS birthdate address phone number to the XXXX person I talked .this had to be done everytime. So why am I not recueving any notification in these as to what 's happening? 2 I was told it was past time they were all closed and I could only go forward with the XXXX charge as I waited to long to do anything. All three company 's started this charging in XXXX. The rep and I on the very first one filed for all XXXX comoanys. And it took me too long times up but wo n't tell me the required time frame which does not matter as they were all done at same time. Now I have already called merchant got can date and conf number and sent to direct express but it 's not I. There notes sorry. Therefore I did n't do it so I ca n't appeal them. This over XXXX dollarrs I 'm being overcharged for service I did n't receive. Now direct wants one paper for each charge this is lydicrous. Rent to own.XXXX and XXXX. Details XXXX said free credit report but was XXXX for one mo then XXXX and XXXX monthly if I happened to spend myoney b4 they got they would n't get for that Mon I opened on XXXX XXXX-cancelled XXXX/XXXX/XXXX with XXXX XXXX number XXXX XXXX XXXX XXXX XXXX. Charged XXXX XXXX,XX/XX/XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX. Rent to own said would have house rto but they only had foreclosures.opened XXXX XXXX cancelled XXXX/XXXX/XXXX conf XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX opened XXXX XXXX, cancelled XXXX XXXX XXXX. XXXX XXXX XXXX. Banks track number last XXXX,. I now pay for my Mon statement. How many ither XXXX seniors r getting ripped off as well. I just want ant my money back that 's all.is that too much to ask.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have attached the letter from Experian and I have asked them to remove XXXX XXXX for years. Additionally XXXX XXXX is trying to collect on a XXXX XXXX credit card that was paid, I have no idea how this happened as we continued to pay on some cards after the Chapter XXXX was filed ( which discharges credit card debt as a requirement ) but we chose to continue paying on the cards, our boat, car, etc .... 
After numerous attempts and written requests to Experian we are asking that Experian change its attitude as they need to be willing to reach out and verify information no matter how many times I request it. 
Again, ALL XXXX XXXX debts, including our car loan we had with them, were satisfied. 
Experian is by far the worst, the other XXXX reporting agencies are polite and helpful. 
Thank you.

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 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Several items on my credit report are outdated, according to FCRA reporting limitations, when I tried to dispute these discrepancies I was n't allowed. It told that because I had previously submitted a claim and it was not in my favor, I could n't disputed it again. 
I definitely believe that this is a another way to segregate and strip an individual from their ability to disagree with public information. Not to mention the violation of FCRA on my right to challenge as many times as needed inaccurate information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation