vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I mailed in a certified letter to Experian with a received date stamp of XXXX/XXXX/16. The letter contained disputes regarding incorrect negative information on my credit report of negative/collection accounts that I would like to get deleted. According to the the Fair Credit Reporting Act, Section 611, ( a ) Reinvestigations of Disputed Information, ( 1 ) Reinvestigation Required, ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

In regards to this statement, I have not received any correspondence ( electronically or paper-based ) within the last 40 days pertaining to any information on the results of the investigation and/or any information obtaining proof that the negative accounts listed on my credit report are valid. 

Therefore, under Section 611 ( A ) ( 5 ) ( a ) ( i ) : Treatment of Inaccurate or Unverifiable Information : In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

To summarize, Experian received my letter of dispute on XXXX/XXXX/16 - no correspondence was obtained via electronically or paper-based within the 30-day time frame allowed to re-investigate the claim. I even gave them an extra 10 days for any mailing that may have been sent out on their behalf. Therefore, I believe these accounts should be deleted off of my credit report as Experian did not comply with the standards of the Fair Credit Reporting Act by not supplying verifiable information within the standard time allotted. 

These accounts and their information are attached via Excel Spreadsheet.

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 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have just received a copy of my credit report and it continues to show information that is incorrect. I have never used the name XXXX XXXX, I was born XXXX XXXX and then my mother added her maiden name to my last name, changing it to XXXX XXXX. I need that name removed from my record as it is wrong. The only XXXX names I have used are : XXXX XXXX XXXX, there is an account on my record that does not belong to me. There are XXXX XXXX cards on my account. The XXXX card, account number : XXXX, that was opened in XXXX, 2007, does not belong to me. I believe this account may belong to my mother, but it is not mine and therefore, it needs to be removed from my record. 
My financial record is regularly confused with my mother 's, XXXX XXXX, and my sister 's, XXXX XXXX, therefore I would like a note placed on my record that states that caution must be taken when adding information to my record due to family with similar names and addresses. 
I also need the credit reporting company to remove the old phone numbers from my record, as some belonged to me in the past, but not all of them, some belonged to my sister and mother. My number is XXXX XXXX XXXX XXXX and all those other numbers, either do not belong to me, or are outdated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2017, I received an email from a potential employer stating that they could n't run a background check on me as their background check vendor received the following when using my SSN : " Information provided is registered to XXXX, order can not be completed. No record found at the credit bureau. '' I spent the next 4 hours on the phone with the FCRA Consumer Disclosure Center, the Social Security Administration, XXXX, and, finally, Experian. The SSA and XXXX could find no issues with my SSN and confirmed my birthdate. Experian, however, told me that a creditor had submitted a birthdate change to my record which Experian changed without consulting me. I was told by Experian that I would have to provide proof of my birthdate and SSN and they will rectify the issue in 3 to 5 days. This could potentially impact my getting a job with this employer. I suspect that the creditor that submitted this information had erroneously typed my birthdate. However, it is beyond my understanding that a birthdate change could be submitted to a credit reporting agency and that reporting agency accepted this as fact when, in turn, they require me to prove via documentation that my birthdate was, indeed, the date they originally had on file. Again, this change has impacted my ability to get a job.

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 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found unauthorized charges on my XXXX XXXX $ XXXX *XXXX XXXX XXXX XXXX, CA XXXX XXXX Date XX/XX/2015Transaction Date XX/XX/2015Merchant Category XXXX-ALL OTHER XXXX Method MANUALLY KEYEDRecurring Billing Indicator XXXX tried to call the number on the credit card bill but was unsure if it was really a credit company as it could just be fraud.. they started to ask for more personal information and I refused to give them my ss # or credit card number. 
A search on the internet shows this is not an isolated incident.. lots of people are experiencing this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-22 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: FL

Complaint narrative:
i usually pull my annual credit report around XXXX. when i went to pull in ocotber XXXX it stated i already had a free report done that year. i did pull XXXX earlier that year but i paid for it. i just tried to pull it again XXXX/XXXX/XXXX this year to make sure info was accurate due to me loosing my social security card and it stated i have already recieved it free this year. this is inaccurate.

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 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting a negative payment history in XXXX XXXX for a XXXX XXXX account that was settled in XXXX XXXX ; since the account was settled in XXXX XXXX, there should be no negative payment history following that date. We have previously disputed this both with Macys ( ref CFPB complaint XXXX ) and with Experian. XXXX XXXX response agreed with my complaint and stated, " On XXXX XXXX, XXXX, we requested the credit reporting agencies to update their records to remove the delinquency that was reported for XXXX XXXX. '' However, as of today, XXXX/XXXX/XXXX, Experian still has not updated my credit report to remove the delinquency being reported for XXXX XXXX ( see attached credit report ). The erroneous reporting of a recent negative payment history has a severe impact on my credit. Since the account was legally settled in XXXX XXXX, the reporting of negative payment history in XXXX XXXX falsely represents the true status of the account, a fact with which XXXX agrees and has tried to correct. Apparently Experian refuses to correct this error, even though instructed to by the information furnisher, 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 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Open Account with XXXX XXXX XXXX for {$83.00} Original XXXX XXXX XXXX XXXX XXXX open Date XXXX 2013 last reported date XXXX XXXX XXXX Account is closed and paid in full spoke with this creditor XXXX they statedboth times Account is been closed and paid in full and was removed from all XXXX credit reporting Agencys. when I review my report I see it open and still owening

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On my Experian credit report, there is an account listed past due for a one month term of {$2400.00}. Neither the Experian nor the collection agency have sufficiently provided proper validation of this account. I am requesting that the following accounts be removed from my credit reports, as they have been previously removed and re-inserted more than once with incorrect info, without proper validation, a new date to reage the account and falsified information. Experian has allowed this and refused to remove. I will be filing complaints with the XXXX as well : Account Name XXXX Account # XXXX Account Type Other Collection Agencies Balance {$2400.00} Past Due {$2400.00} Date Opened XX/XX/XXXX Account Status : blank Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month -- XXXX Account Name XXXX Account # XXXX Account Type Collections - non specific Balance {$2400.00} Past Due {$2400.00} Date Opened XX/XX/XXXX Account Status : blank Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month XXXX Account Name XXXX XXXX Account # XXXX Account Type Collections - non specific Balance {$930.00} Past Due {$930.00} Date Opened XX/XX/XXXX Account Status : blank Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month -- XXXX - Account Name XXXX Account # XXXX Account Type Other Collection Agencies Balance {$610.00} Past Due {$610.00} Date Opened XXXX/XXXX/XXXX Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month XXXX - Account Name XXXX Account # XXXX Account Type Variety Stores Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Charge-off High Balance {$0.00} Limit {$0.00} Terms Revolving

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 2016-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OR

Complaint narrative:
XXXX the branch manager from one main financial in XXXX Oregon spoke to me and belittle about the debt I owe to them. I try to talk to him and negotiate a payment where I can afford it but all he kept saying in a very rude mean tone of voice was " you think {$50.00} is good enough a month for a {$9500.00} debt ''. Then he kept saying if I do not pay the minimum payment he threaten to garnish my wages. His exact words again in a very mean rude tone of voice he said to me " do I want XXXX % garnish from my gross wages or would I rather pay {$260.00} or however much it was. XXXX at that branch is so rude. I work with the public and there is no such way I would ever talk to the public that way or make them feel bad. Not only XXXX was flat out rude. But he does not have the public skills to deal with the public and he made me feel bad every time I talked to him. He has called me every week and I do not like talking to him at all because of how he treat me and made me feel. He makes you feel bad for borrowing a loan from the company but yet he acts like it is his own money. I have dealt with a few financial agencies and by far XXXX from one main financial is the worse debt XXXX. The way XXXX talk to me and the way he treated me is not acceptable.. Yes I know I owe I debt but I feel he does not have the right to be very rude and talk down at me. He refused to work with me on making a payment where I can afford. Yet he offer to run my credit to see if I can refinance a loan and it was pointless. One main financial offers to refinance my current loan when they know very well I would be denied. They do not try to work with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I submitted a complaint prior XXXX and do not think it is right to have to wait 60 days for a response and still have this listed on my credit file which is inaccurate. I want this removed while this investigation is being held.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
Despite my informing my XXXX mortgage holder with regards to my reduced income and the inability to pay on or prior to XXXX of the month, I am receiving repeat phones calls daily from Springleaf Financing. I always pay on or before the XXXX of each month. My payment is due on XXXX and by XXXX without a late fee! 
It is now XXXX XXXX Eastern Standard Time on Saturday, XXXX XXXX and already received 4 calls from them. I no longer answer them and they are calling on my cell phone as well! I have asked they never use that number, but they chose to ignore. The interest rate is also very high! 
Please help in getting this matter resolved!! 
Thanks in advance, for any assistance that you may be able to provide. 
Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have successfully contact the debt collector to arrange my file but i was told that they could not provide me with the information. i was asking to find out what is it that they are charging me for ( invoices, letter, etc ). They did not provide the information for my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
Have a loan with One Main financial ( formerly known as XXXX ) for around six -seven years, I renewed my loan on XX/XX/XXXX to get additional funds, the financed amount on the newed loan says {$8500.00}, after paying for XXXX year with a missed payment on XX/XX/XXXX and XX/XX/XXXX, they forced me to renew my loan which they call it defer, i ended up signing a new loan agreement in the amount of {$8900.00} which is higher than the orignal one ( {$8500.00} ) even after paying {$2400.00} all this money that i paid has gone out the window, did n't reduce my balance a bit, they use intimidation, such as calling multiple times a day, that i 'm behined a lot on my payments, leaving multiple messages by a person saying his is a district manager, when trying to explain the situation they are not interested to listen, all they say is pay our money, When i track back my payments, using my bank statments, i realize i was not missing a lot on my payments, but they used different tactics and harrasment to renew my loan, that put $ XXXX+ {$400.00} to put in their pocket, and me to repay all over again.i have to work hard to make {$2400.00} to pay them, they just used physcological tactics to put it in their pockets, the last intimidation i recieved from them was " if i do n't pay by the end of the month that my personal property will be garnished ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Professional Recovery Management
State: TX

Complaint narrative:
This is a follow up complaint. I recently filed complaint XXXX to which this company responded by sharing private information about disputes with other companies. I am a victim of identity theft because XXXX companies run by unethical people like Fox Collections rampantly breaks the law with their flagrant disregard for the protections the United States government lends her citizens under the Fair Credit Reporting Act. Following a phone conversation with the Consumer Financial Protection Bureau I am now filing this dispute per their request so they can have official documentation of exactly what happened. You may pull up the previous dispute when referencing this XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
American General Finance of America , Inc. formerly CREDITTHRIFT OF AMERICA INC and formerly XXXX XXXX XXXX NO. XXXX ( Employer ( Tax ) Identification Numbers : XXXX | XXXX | XXXX | XXXX ) intentionally altered account numbers and filed numerous lawsuits in the Commonwealth of Virginia by using third-party debt collection agency or law firm, when it never had the right to bring forward a lawsuit when it used its former entity name on the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: First Premier Financial, Inc.
State: CO

Complaint narrative:
I had a car loan with First Premier Financial, and it was transferred to another company who owns my other car loan, XXXX XXXX XXXX. Well, I received the Welcome letter from them in the time frame that they were suppose to in order to remain in compliance, however the problem was First Premier Financial did NOT send me a good bye letter informing me that they were service releasing my loan which caused a bunch of problems. I could not find my loan on their site anymore, so I kept attempting to call. But the line was always busy that it kept sending me to a voicemail. And I never received a call back. So beforeven I knew what was happening I mailed them my check. That was XXXX. After a about a week, that 's when I received the letter from my current servicer advising me about the transfer. However they still said I owed them a payment. I waited for another week and still said I owed. The letter they sent me said first Premier would be forwarding any payments that was sent to them. Well I got tired of waiting. I paid my note online with the new servicer and First Premier still has not sent them the check. That 's the first time I had ever mailed them a payment and it 's lost somewhere. Know that company someone probably done stole my information, or it simply just got lost in the mail. Anyway, all this headache and confusion would not have occurred if they would have sent out the Goodbye letter or even returned one of the many voicemail I left. I really hope my loan was sold because they are going out of business because for this to be a financial institution they have no regards for staying in Compliance with anything!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: TX

Complaint narrative:
Penn Credit Corp., XXXX, has robo-called my house at least XXXX times over the last 6 weeks with a recorded debt collection message for a relative who has not lived at this address for 12 years. The message warns of a past due debt but provides no information other than a demand to pay the unnamed debt or to call to make payment arrangements. The actual debtor is not identified and I am certain is not valid. The robo-calls are always after XXXX in the evening. There is no apparent alternative to stop or even address the validity of these debt collection calls without calling Penn Credit Corp.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CASHCALL, INC.
State: UT

Complaint narrative:
i borrowed {$2500.00} from a payday loan company in 2014 but when I made the first payment, i came to find out that I was literally getting ripped off! I decided then that I will only pay them what i owed but now they have hired an attorney and yesterday, I had just been now summoned to pay {$2700.00} in return w/all the interests and attorney fees! I had already made XXXX payment of {$170.00} + {$75.00} = {$250.00} and that should be deducted from the principal amount!

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