vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XXXX XXXX, 2015 I received the following email from XXXX XXXX " We are writing to you today because we have taken an action on your account and wanted you to be aware of this change as soon as possible. We lowered the credit limit on your account to {$2500.00}. The new cash advance limit is {$200.00}. This credit limit is for total spending on all Cards on this account, so if you have any additional Card Members, please ensure they are aware of this change. You will also receive this information by letter .... '' I also contacted XXXX XXXX and a Customer Service Representative stated someone at Experian had notified XXXX XXXX and reported the derogatory information about me to XXXX XXXX. However Experian has also shared the same derogatory information with XXXX XXXX company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On behalf of XXXX XXXX XXXX, XXXX ( XXXX ), the Office of the Consumer Ombudsman would like to thank you for your correspondence received from the Consumer Financial Protection Bureau ( CFPB ) on XXXX XXXX, 2016. Specifically, this letter is in response to your concerns regarding the credit reporting for the above-referenced account. The Consumer Ombudsman 's office was created to provide a resource to assist with unresolved concerns and issues. 

XXXX submitted corrections to the credit reporting agencies to reflect the account paid in full. A copy of the Automated Universal Data ( AUD ) form submitted to the credit reporting agencies is enclosed for your reference. 

You may use this letter for verification, should you need to provide a potential credit grantor with proof that this correction is in process. Please allow three to five business days for the corrections to appear on your file. After that time, you may wish to confirm the corrections have been made by directly contacting the credit reporting agencies as follows : XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHAT HAPPENED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29 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:
third collection agency I 've disputed tmobile sold to, have disputes & have had deleted each agency that unknown to me how they have my information at all, no I 've disputed this twice & they ( experian ) just leaves it, says it investigated, but they 're not, tired of watching my credit report and score going down the drain. Please help 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 2015-04-06 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:
For the past 2 years, I have disputed XXXX accounts in particular that only appear on Experian tradelines. These creditors or debt collectors have not complied with the FDCPA and Experian keeps falsely reporting these items as verified items. Today, I spoke with CS Rep. XXXX XXXX from XXXX XXXX XXXX. On the automated system, it reflects when I put in XXXX XXXX personal identifiers {$0.00} past due and {$0.00} balance. I spoke to XXXX and told her there is a open investigation concerning this account on Experian. She told me that the account was settled out. But when I asked for the date of settlement, she said there was a balance of {$2800.00}. XXXX. She was then asked if XXXX will be collecting on this balance, she replied, " XXXX XXXX XXXX is not collecting on debt but reserves the right to send it to collection. She will be sending in the mail to my mailing address any information concerning this false account. 
I also spoke with XXXX in house recovery dept representative XXXX. I gave XXXX XXXX person identifiers and was told there was a open balance of {$250.00}. He was demanded to send all information concerning account in writing to my mailing address. He refused to do so, although I gave him XXXX XXXX personal identifiers. XXXX refuses to verify debt and EXPERIAN refuses my request to delete tradeline. 
Also XXXX XXXX has cease in its collection efforts to collect on a XXXX Credit card that did not belong to me. I made a complaint to CFPB against XXXX XXXX XXXX who falsely filed a judgment and is only reporting their tradeline on EXPERIAN. Their response was unsatifactory and disputed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-28 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:
Experian responded that the XXXX fraudulent accounts that were a result of id theft by XXXX wireless were verified and I needed to contact XXXX which I have did already! I have provided both XXXX and experian with the info from the us doj that proves I am a victim of identity theft and yet they continue to report info based on info that was a result of id theft! Do I have to sue experian and XXXX to protect my rights???? Because I will because it 's stopping me from getting a mortage!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XXXX XXXX, 2016 I began an online dispute with Experian regarding a collection agency by the name of XXXX XXXX. I have no idea who this company is, and I have NEVER done business with this company. I disputed online with Experian, and sent a letter to XXXX XXXX requesting to have the debt validated, and I requested this company cease all acts of collections until the debt was validated. On XXXX XXXX this same company continued to report negative information to Experian. I called Experian about this, and I was told that creditors are allowed to continue to report negative information during a dispute, and that Experian is a 3rd party and only asks for verification of a debt, and they do not perform thorough investigations of a dispute because they are a third party. On XXXX XXXX, 2016, I received the results of my dispute, and Experian stated that this debt " remains '' on my report. 
I am dissatisfied with this result because I have not received validation of debt from this company, and I have no agreements/contracts with this company. I feel that I did not receive a fair or adequate investigation because I was told over the phone by an Experian agent that they do not perform thorough investigations, they simply reach out to the company and verify that I owe the debt. I am not happy that I was told that creditors are allowed to continue to report negative information on my report in the middle of a dispute, which usually requires up to 30 days for a thorough investigation. I will repeat the disputing process in hopes that I find out who this company is and how much they say I owe and what for, but I am disappointed that Experian has not and accordingly can not perform a thorough investigation of the negative information on my report, and would continue to allow XXXX XXXX to report information right in the middle of a dispute, even before the results were found.

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 2016-07-29 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 a report from Experian. It was sent after I was declined credit. There are many errors as my husband left me and some items are his. I received the report after XXXX XXXX, 2015. It is within a year. I sent a dispute to Experian never heard back or got a credit score. The information is incorrect and I would like to dispute it. I have the complete report. I would have to mail you a copy. There are incorrect dates that should be deleted from the 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 2015-06-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a continuation from earlier, This retaliatory ( eviction ) Unlawful detainer, to evade laws and accountability, has some incompetent jurisprudence/bias, and these stupid blunders from county clerks, hurried up and reported subreption, idiots!!!! LIKE I said earlier with transunion 's blunder, ALL ___XXXX credit reporting agencies____ need to be accountable. There arbitrary denial to allow me to view online, unless I pay. OTHERWISE I have to wait until XXXX, 2015 to legally get a report free of charge. This XXXX slumlord was reported to XXXX code inspectors for countless state law violations, of trying to defraud me with unrentable worthless property. This XXXX retired XXXX decided to abuse his authority and my due process rights and rewarded criminal negligence, fraud, and tortious breach of implied warranty of habitability, NOW I appealed this to the California XXXX XXXX XXXX, this careless idiot, circumvented irrefutable proof. Hardly a rock solid case against myself and my wife ( OBVIOUSLY THE INJURED PARTY ) bias/incompetence and judicial misconduct does n't allow this sloppy, inaccurate, harmful errors!! LOT of controversy here. PLUS, I have rented 35 years, NEVER been evicted. emphasis added. I do n't start now, because I moved to an homeless dreg, no income town, full of complacent slumlords, and sloppy code compliance, this defunct city of XXXX, ca is also grossly negligent, breach of there statutory duties. INTERTWINED ISSUES, DISGRACEFUL XXXX OF JUSTICE. Incompetent reporting of deceit to harm me and my wife is a TORT violation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ERC
State: MO

Complaint narrative:
They continue to send me bills in regards to this debt in addition they are reporting this debt incorrectly. This debt was discharged in bankruptcy and is still being reported as open. I have called them and sent a letter to no avail. I want the harassment to stop as well as my credit reported corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
i recently closed and paid off my citizens bank credit card account ove one month ago. Today i received a call from them saying that my account was past due.now, they never sent me a letter in the mail saying that i owed them money after i have requested a payoff and paid the balance in full. they are attempting to report my account past due for 33 days with the credit reporting agencies. i have worked tirelessly to build my credit, and now Citizens bank wants to destroy over {$27.00} when they never had any type of notification in place to make me aware of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: GA

Complaint narrative:
I continually get phone calls from a collection company that does not leave a message but calls almost daily. We once called them to tell them who we are and that XXXX have no unpaid debts and still get calls at all hours.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: OH

Complaint narrative:
I have an unverified account from ENHANCED RECOVERY CORP. I had previously disputed this account. I have never done business with ENHANCED RECOVERY CORP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY CORP provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY CORP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Big Picture Loans, LLC
State: KS

Complaint narrative:
I am a single mom of XXXX kids, needed to tag new car I just bought. I went on the internet to apply for an internet payday loan. I applied for the loan for {$600.00} originally. I was told that I could pay it back over a period of time beginning XXXX/XXXX/2016 ; of which that are making me pay it back starting on XXXX/XXXX/2016. I was never told about me having to pay {$150.00} in interest every two weeks, ( there is no way I can afford that ), which does not go against the principal amount borrowed. this is what is included in the contract : ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
556.7963 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$2600.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$600.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 
{$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX/XXXX/2016, I did a settlement with Wells Fargo Card Services. They told me if I paid the Settlement amount, the will close the account and Delete it off my credit Report. I settled with them on XXXX/XXXX/2016 but I have not see it deleted off my credit History yet.

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 2016-08-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I applied and received approval for an education loan from Citizens Bank National Association to refinance my existing XXXX federal student loans. After executing the loan documents online, I was informed that the new loan would be funded on XXXX XXXX. On XXXX XXXX, I logged in to the Citizens Bank web portal to discover that Citizens Bank had created a loan account naming me as the debtor, and assigned the servicing of the loan to a third party. I checked the third party servicer 's records to discover that their records matched those of Citizens Bank, and that there was a debt in my name for the amount I initially agreed to. Interest had begun to accrue on this purported loan as of XXXX XXXX. 

I then checked my existing federal loan servicing account ( the " Original Loan '' ) to discover that the Original Loan was still outstanding and that according to their records, I was still responsible to make payments to them. 

I called Citizens Bank to figure out how I ended up with XXXX outstanding loans, and their representatives explained that it could take up to two months for my Original Loan to be repaid. The representatives claimed that a check had been mailed to my Original Loan servicer, but they had not been in direct contact with the Original Loan servicer, and I have not seen any records to confirm that the check had been mailed to the proper address. I was not informed that they would be charging me interest for a loan while their check was in transit, notwithstanding the fact that no actual funds had been funded on my behalf by Citizens Bank, and in effect, I was being charged interest by Citizens Bank for the repayment of funds that have yet to be credited on my behalf ( their check being purportedly in transit, but not yet redeemed ). 

I asked Citizens Bank 's representatives to defer interest on the purported loan that they made to me until funds were received by my Original Loan servicer. The refused, citing two separate provisions of the promissory note I had allegedly agreed to, claiming that these provisions together entitled them to charge me interest for up to 60 days without ever making a disbursement of funds. In other words, they said that they were entitled to charge me interest for a loan that has yet to be credited to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: CO

Complaint narrative:
I was denied a loan due to an erroneous collection on my credit report. My bank informed me of a XXXX collections on my credit report from Enhanced Recovery from Direct TV in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a home loan. I want this taken care! I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!! YOU ARE XXXX COLLECTION AGENCY TRYING TO COLLECT A DEBT THAT HAS BEEN TAKEN CARE OFF YEARS AGO! THIS DEBT WAS PAID THROUGH CENTURY LINK AS A BUNDLE!!! REMOVE THIS OFF MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Consumer Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. Bank Info : Citizens Bank XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX. The bank manager was not available on XXXX/XXXX/2016, the Friday before memorial day weekend for me to discuss a dispute of charges with her. I spoke with licensed banker XXXX ID # XXXX XXXX XXXX and was told that I would not be charged an additional charge until I was able to speak with the manager on Tuesday, XXXX/XXXX/2016. I just spoke with this same banker, XXXX XXXX over the phone today ( XXXX/XXXX/2016 ), and she told me that she spoke with the manager, there was nothing they could do in regards to the charges on my acct and I was now responsible for the ADDITIONAL fee incurred today XXXX/XXXX/2016 which is ridiculous considering it occurred during the time the manager decided to take a TRIP and not available. This is unfair!!!! Details of transaction/fees : XXXX/XXXX/16 Check # XXXX for {$27.00} causing a negative balance of {$24.00}. Service Charge Sustained Od of {$30.00} on XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016. Also, I was not notified of my negative balance while I received these service charges every 5 days, no mail was received. I was blindsided which was why I wished to speak with the manager in the 1st place on the XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I think Citizens bank needs to be examined for unfair and deceptive trade practices. I recently set up a recurring automatic payment to come out of my account to pay my mom 's assisted living rent each month. I set it up online through Citizens using their online bill payment functionality to come out of the account on the XXXX of each month beginning XXXX/XXXX/15. I also set up to get a reminder email too. Well to my surprise I got the reminder email yesterday XXXX/XXXX/15 stating that they were processing it yesterday and that the estimated delivery date per their experience with XXXX XXXX was XXXX/XXXX/15. The payment would be sent out via Mail since XXXX XXXX is not set up to electronically receive payments. Panic set in after getting this email since my mom 's XXXX check is not directly deposited until XXXX/XXXX/15 so if XXXX XXXX happens to get the check prior to that date it will bounce and fees will be assessed by both XXXX XXXX and the bank. This is unfair and deceptive since all the labels on the screens I filled in on Citizen 's website list the send date as XXXX/XXXX/15 and payment date as XXXX/XXXX/15. Sounds to me like Citizen 's has a big fee maker going on. I wonder how many consumers have had to be bounced check fees because of this practice. They need to change their program to include at a minimum a send date and a due date like other financial institutions. I have attached exhibits to support my claim. I called the bank customer service for something else and brought up the subject and they put a note on the file. The confirmation number for that note is XXXX dated XXXX/XXXX/15.

Company response to consumer: Closed with explanation