vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had XXXX XXXX XXXX as my provider. I wanted to change my plan, so I brought the account current and when I update my plan I was quoted {$180.00} a month. The XXXX bill I received they charged me over {$240.00}. I called and let them know that that is not what I was quoted. They said they would fix it. I received the next bill and I was overcharged again. I called and they stated that they would again fix the issue. I told them that I planned to terminate my service and that we needed to settle the dispute. I send them a history of my payments, I did so with no response. I then discontinued my account with them. They contacted me and told me it was a remaining balance. I sent in again my payment history and they said again, they would contact me with an update. It has now been reported on my credit report. I disputed the charges and they were removed. I checked back later and they are back on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As per your respond to my complaint for the above mention dispute cas number, Eperian states that the item was deleted from my credit report. However see attachment, the item is still showing up on my credit report dated XXXX/XXXX/16 that i receive from experian.

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 2016-10-25 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: OH

Complaint narrative:
Experian is unreachable by any means. 
I applied for my annual credit report from Experian ( I requested it online through annualcreditreport website ). I was denied because " it had already been requested ''. I had NOT requested it in 2016. I noted on the annualcreditreport website problem option that I had not requested the report and explained my concern about fraud. I have a fraud alert on file because my social security number was fraudulently used to file a tax return. I am concerned that someone has fraudulently requested my credit report. 
I am unable to contact Experian. Every phone number, webpage, etc ends up in a deadend - I can not get a real person or even a means to submit a detailed email for response. 
How do I get in touch with a real person at experian to address the situation about someone else requesting 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 non-monetary relief
Consumer complaint received 2015-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian will not change payment status from XXXX despite documentation from XXXX and documentation from XXXX. XXXX changed its record to " Satisfactory. '' I have madethree contacts with Experian, to noavail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 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 non-monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian did not conduct a proper investigation after I submitted document. I submitted a letter from XXXX where they admit they do not have records on my account. Despite this, Experian took the word of XXXX that their tradeline is correct. XXXX can not make this statement knowing they do not possess the proper records. This tradeline can not be validated and must be removed.

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 2016-03-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency XXXX they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account, because ( according to XXXX XXXX ) a different name was showing up under my Social Security, So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit, why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen, Please investigate these allegation and have credit agency make necessary corrections Thanks 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 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
For XXXX Bank - I never entered into a payment arrangement with them. They are falsifying the date of last activity in order to prolong the time this item is on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27 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:
I am filing this complaint because experian has fail to provide me with the documents that their company has on file to verify the accounts i disputed. Being that they have gone past the 30 day mark and can not verify these account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information that can not be verified. '' that i have disputed. Please resolve this matter as soon as possible

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed this account in the past because XXXX told me they would update the account to show there is no 30-day lates base on the fact that those lates they are reporting on my account were not my fault. XXXX agreed and sent out an update. XXXX and XXXX updated it. But Experian is the only one who refused to update the account. I attached a letterhead from XXXX attention Experian letting them know this account should be updated and also they sent out a signal to all XXXX reporting agencies to make sure it is updated. I attached letterhead from XXXX and account 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 explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
DISPUTED XXXX XXXX BANK SINCE XXXX. WITH THE ASSISTANCE FROM THE CFPB I HAVE GOTTEN IT DELETED FROM XXXX, HOWEVER THEY REMAIN ON EXPERIAN AND XXXX. I WILL NEED THE FRAUDULENT INQUIRIES REMOVE FROM ALL XXXX BUREAUS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After requesting validation from XXXX XXXX and receiving no response I pulled my credit report. On XXXX/XXXX/XXXX XXXX XXXX account XXXX balance was deleted from my credit report. However on XXXX/XXXX/XXXX the XXXX XXXX account reappeared on my credit report as account XXXX. 
I received XXXX from XXXX XXXX XXXX. XXXX/XXXX/XXXX sent dispute to Experian regarding invalidated debt reappearing on my credit, duplicated account and cancelled debt being reported. As of today I have not received a response and credit report pulled XXXX/XXXX/XXXX still shows duplicate account along with debt balance for which I paid federal taxes on.

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 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I used Experian 's website to receive a credit report for {$1.00}, but my credit card has now been charged for XXXX months of Experian 's services at {$21.00} per month. I never agreed to obtain a " membership '' to Experian or to pay a monthly service fee for that membership ; I never received any communication from Experian to inform me I would be enrolled as a " member '' and that I should expect to pay a monthly fee of {$21.00} ; and I never saw any information about these pending charges on the Experian website when I obtained my {$1.00} credit report. When I spoke to someone at Experian, she stated that she can only refund my credit card for one month of the billing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Why did XXXX XXXX ( Credit Agency ), take off the $ XXXX-Dollars, ( for a PARKING FEE LATE CHARGE OF MY VEHICLE ), as I had & was told by my Daughter, that SHE had picked-up HER CAR. ( as I had given my Car to her ). *IN THE PAST I HAD GIVEN MY DAUGHTER XXXX-Other Cars ... .. ( SHE HAD ALWAYS GOT THEM, in the past ). I was in the XXXX, & thus had NO WAY OF KNOWING if in fact the Car had been picked-up by her? 
SHE TOLD ME SHE GOT THE CAR, I HAD GIVEN HER. 
WHY DID XXXX XXXX XXXX XXXX, take this ( XXXX ), off of MY CREDIT REPORT ... ... AND EXPERIAN DID ''NOT ''? 
Thanks, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
HARD MONEY LENDER AGENTS WHO ARE NOT EVEN LENDERS/BANKS ARE SHARING MY CREDIT FILE AND PERSONAL CREDIT INFORMATION INCLUDING MY SOCIAL SECURITY NUMBER AMONG THEMSELVES. 
THERE ARE COMPANIES SUBMITTING HARD INQUIRIES ON MY CREDIT REPORT WITHOUT MY PERMISSION. 
I HAVE TO KEEP FREEZE ON MY CREDIT FILE TO AVOID RUNNING MY CREDIT BY THESE AGENTS. 
THE HARDMONEY LENDER INDUSTRY NEEDS REGULATION AND MONITORING AS AGENTS WHO ARE INDIVIDUALS OBTAIN ALL PERSONAL FINANCIAL 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 explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
IVE BEEN DISPUTING A FEW ACCTS IN MY REPORT THAT ARE IDENTITY THEFT ACCTS AND ADDRESSES AND THESE ADDRESSES AND ACCTS ARE STILL ON MY CREDIT REPORT IVE PROVIDED FTC AFFADAVIT, IDENTITY THEFT REPORT FROM POLICE DEPT. AND XXXX LETTER FORM XXXX TO BLOCK ALL NEGATIVE REPORTING FROM REPORT BUT ITEMS ARE STILL ON MY REPORT PENALIZING ME WHICH IS VERY UNFAIR TO ANY CONSUMER GOING THROUGH A IDENTITY THEFT CASE. XXXX XXXX TOLD CRA IT WAS ME BUT NOONE HAS SENT ME ANY DOCUMENTS PROVING THEIR CLAIM ITS BEEN 4 MOS NOW AND STILL NO DOCUMENTS I EVEN HAVE FRAUD ADDRESSES I CANT GET REMOVED FROM MY CREDIT DUE TO CREDITOR SAYING ITS ME BUT AGAIN IVE RECIEVED NO DOCUMENTATION PROVING THESE ITEMS ARE MINE .IVE PROVIDED ALL MY DOCUMENTATION STATING ITS NOT ME BUT AND IM STILL GETTING SAME RESULTS FROM CREDITOR AND THEYVE DONE NOTHING BY LAW TO PROVE OTHERWISE WHICH IS UNFAIR TO ME AS A CONSUMER ... XXXX SAME OUTCOME XXXX XXXX XXXX XXXX SAME OUTCOME AND NONE OF THESE ITEMS HAVE BEEN VALIDATED TO BE DEEMED AS MINE BY 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 explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
I received a letter ( dated XXXX/XXXX/2015 ) from HSBC Bank USA , NA that asked me to verify my current address and acknowledgement of my HSBC deposit account. I filled out the form, had it notarized, and mailed out the form on XXXX/XXXX/2015 to the address provided. However, two weeks later, HSBC claimed that they still have not received the form and that they have no knowledge about the status of the matter because they engaged a XXXX-party company to conduct the process. 

As a consumer, the only contact information that was provided to me was the XXXX customer service number of HSBC. I have no contact info about XXXX, the XXXX-party company that HSBC engaged, and HSBC refused to provide any further contact info. I have tried XXXX times and spent hours of my time talking to a number of HSBC associates, none of which, however, was able to provide any meaningful direction or assistance regarding this matter. I feel completed lost during the process, as the answers/responses provided by the HSBC associates are inconsistent and even contradictory. 

This is a time sensitive matter. According to HSBC, I have less than 30 days to respond ; otherwise the fund would be considered " abandoned ''. However, HSBC is not taking the appropriate steps to handle the case in a timely manner, and is not providing a cooperative way to work with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
on my credit report it shows that i have a open collection with MIDLAND FUNDING LLC for the amount of {$910.00} this was part of my Bankruptcy and should not be listed as open

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been receiving numerous calls from Midland Credit, they are looking for someone else, not me for over a month. sometimes it is automated and they just ring the phone, I called them back XXXX times and asked them to take off my number, calls keep coming. Today I spoke to a person that said he would remove it from the automated calls and now the manual calls have begun.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I opened a " charge card '' with XXXX XXXX. The deal is you pay an annual fee, but there is no interest on the account at all because you are required to pay it in full every month. I love this because I do not want to support the credit card industry since it is so vicious and gets people in debt. I myself have never had any debts problems before, but in general do n't like the idea of debt or other people having debt. I thought this " charge card '' was a novel idea and the middle ground between a debit card and credit card. Well after having the " charge card '' for a little over 2 months they add a " Pay it Later '' option which is effectively making it a credit card. Why does this company ruin a good thing? A charge card should be a charge card and a credit card a credit card. I feel deceived that the account I opened and was happy to be forced to pay in full is now encouraged me to Pay It Later and is just another credit card. Completely twisting what the charge card is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA
State: MI

Complaint narrative:
This is with regards to XXXX/Mohela account # XXXX. 

Last month I refinanced and consolidated XXXX of my student loans into XXXX. In doing so, XXXX estimated the payoff $ amount, which ended up being {$120.00} higher than what was needed to pay off the old/refinanced loans and caused the loan balance to turn negative by this amount. On XXXX/XXXX/2016 I sent a written request to XXXX/Mohela through the message center on their website, asking them to promptly refund me the overpayment. They replied on XXXX/XXXX/2016 and said, " Thank you for contacting MOHELA. According to our records, you will have a refund in the amount of {$120.00}. We will initiate the refund process 21 business days after the date the payment posted to our system. After the waiting period has passed, a check will be generated and mailed within 2-3 business days to the address on file. If you have any questions please contact MOHELA XXXX XXXX at XXXX or via secure message. '' I was very upset about this response, because XXXX/Mohela 's practice of requiring such a waiting period and not refunding the overpayment is hurting me. Effectively I am paying interest on the overpayment, which is in the form of the new loan, while not getting the benefit of the funds. I believe that XXXX/Mohela has such a practice in order to maximize their liquidity at the detriment of the little guy - the student loan borrower. Why should they have a right to my cash? They have the administrative power to process extra loan payments within just a few days - why do n't they refund within just a few days? 

I responded to XXXX/Mohela 's response on XXXX/XXXX/2016 and explained the above as well as re-requested a prompt refund. It is now XXXX/XXXX/2016 and I have yet to hear back from them. I am concerned not only for myself, but also for the many other student borrowers who are being harmed by this practice. They should promptly refund any negative loan balances!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
They call multiple times a day telling me to just pay my amount in full so they will stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My husband and I filed a Chapter XXXX XX/XX/XXXX-the bankruptcy was paid in full and closed XX/XX/XXXX. HSBC-XXXX/Mortgage services has been over my mortgage since XX/XX/XXXX when my house was purchased. According to the credit reports on file-XXXX, XXXX and XXXX, my mortgage has been paid in full. I have been paying my mortgage each month with no response from HSBC. I have not received any statements showing they have been receiving the money or any statement indicating this account has been paid in full. Please let me know if you can help me get my mortgage information from HSBC. The address for the bank where I have been sending my payments is : HSBC Mortgage Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX my Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have sent multiple certified letters asking them to validate this account with my signature. I only received account information and they did not show proof of my signature. They refuse to delete this information from the credit bureaus.

Company response to consumer: Closed with explanation