vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
This is a continual problem that we have encountered ; a person with the same name that is a junior but does n't use it. I was told it was the improper use of the name that causes this. I have in my experience seen that XXXX and XXXX is NOT used on normal basis. The credit bureaus do not verify social security numbers and date of birth that are a constant, but instead rely on addresses that could change. I was told that it would take a change in legislation to have them required to use social security numbers for verification. Why not use the birth date? Why are n't these agencies accountable for their actions? The public has to spend the time and energy to clean this up when verification could be made easily before damaging someone 's credit. I think this should be taken to the media and have the credit bureaus investigated and make them accountable. I do not have any supporting documentation only phone calls with Experian. I will now get my reports from XXXX and XXXX XXXX and see if they are the same. I am really getting tired of this, every time we want to get a loan this happens.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I filed a complaint on Experian in a previous complaint. The complaint # is XXXX and it is still open. The CFPB responded Experian has provided a partial response. I have pasted their response below. In their response they say they will contract the data furnisher. This item was already disputed several weeks ago by me and denied by Experian as they stated they validated its accuracy. I put this in my original CFPB complaint. My question to the CFPB is why does Experian need and why are they being permitted to do another dispute and contact the data furnisher if they did this when they denied the dispute a few weeks ago?? If the CFPB reads the Equifax response, it does not address my complaint. This looks to me like a auto response or a form letter. This is exactly what is wrong with Experian. 
I am asking the CFPB to immediately require Experian to provide me with the documentation they used to validate the XXXX XXXX item on my credit report. This documentation must include the original creditor documentation for the account being reported and documentation showing the exact date the account went delinquent. 

Below is the Experian Auto Response Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin an investigation, we are in the process of contacting the data furnisher to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. 

For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit XXXX. 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
THERE ARE XXXX BANKRUPTCIES REPORTING ON MY CREDIT STATING DISMISSED IN XXXX & XXXX THAT DO NOT BELONG TO ME. THE CREDIT REPORTING AGENCIES HAVE REFUSED TO DELETE, NOR PROVIDE PROOF THAT THESE ITEMS BELONG TO ME. THEY ARE HURTING MY CREDIT AND WONT ALLOW ME TO QUALIFY FOR A MORTGAGE. THEY SHOULD NOT BE ALLOWED TO REPORT INACCURATE INFORMATION THAT CAN CAUSE DAMAGE TO A PERSONS CREDIT.

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 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filling this complaint because I have been ignored by Experian. My request has been to be provided with documents that their company has on file that was used to authenticate and verify a bankruptcy account. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be varied with accuracy, that I disputed. This information does not belong to me and my continued requested for verification has not been fulfilled. 
I have contacted the county with a response that they never report to the bureaus. I 'm attaching all my requests that have been sent to Experian ( and ignored ) dated XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. I 'm also attaching the letter that I sent to the county. Per Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be varied with accuracy, that I disputed. 
Please resolve this manner as soon as possible I have been dealing with this matter many months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Synovus Bank
State: IL

Complaint narrative:
I have contacted 1st Progress AKA FST Progress I sent them a 14 page packet along with the Affidavit they sent me. This affidavit I signed an notarized over 14 times going back as far as XXXX. This company continue to play games with me and ask for me to send the same paperwork as a stall tactic. Knowing I have Identity theft. today XX/XX/XXXX they send me a letter telling me they will refund to fraudulent charges? to a gas station and XXXX?? I do n't understand this is about the whole account. They play the games to be funny and I 'm very serious and on the verge of taking them to Court, If they do not comply with the guidelines and code of fair credit reporting. I am very upset that I have spent over XXXX clock Hours in writing them calling and Paying for Notary to Notarize my Documents. They have also change the dates on the credit report? Can some one please get this fraud of my Report. I do n't understand why a company would continue to Hurt a victim of a crime Like Identity theft. Its been XXXX trying to get my life back. I want this removed ASAP no more games.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed several accounts on my credit report that are related to ID Theft. I also submitted a copy of my police report, victims supplemental financial loss report, and a signed ID Theft Affidavit. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ... .XXXX XXXX XXXX XXXX BANK XXXX ... XXXX XXXX XXXX XXXX ... .XXXX XXXX XXXX XXXX ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

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 manner 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 2016-08-22 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE
State: AL

Complaint narrative:
I began corresponding with Charles Schwab two weeks ago about accessing a little over {$4400.00} that has long been sitting dormant in a Charles Schwab account my grandmother opened for me several years ago. I was told I needed to fax XXXX signed documents to Charles Schwab in order to lift the restrictions on the account. I sent the forms, but Charles Schwab could not locate them when I later called. At some point after our first few days of correspondence, however, I was able to access the online account, but my assets were frozen and I could not transfer them. I called back and was told that one of the forms ( the XXXX XXXX had been located, but could not be processed until the other form ( Schwab Custodial Beneficiary Conversion Application ) came through. I was also told I could submit that form through the message center. After submitting that form, I was told I also needed to submit another XXXX because the original XXXX was not dated. After submitting both a revised and dated XXXX and another Custodial Beneficiary Conversion Application, I was told I needed to resubmit the forms because they were signed using an electronic signature, which is apparently insufficient for Schwab. I was not told this until after I had submitted the form. I am leaving out several details I do not remember - this process has gone on for two weeks and taken a considerable amount of my spare time. I have not documented my phone calls because, with each call, I have hoped that this situation would be resolved only to be later disappointed. Each delay has represented at least an additional day of waiting to see if my situation could be resolved. At one point, XXXX representatives were telling me it took 24-hours for them to see if the forms had come through, at another point, they gave me contact information for the XXXX operations center which apparently knows immediately whether or not forms have come through. This whole process has been very frustrating and taken up a considerable amount of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
As an existing Wells Fargo Platinum Card holder, I applied and was approved for the Wells Fargo Visa Signature ( R ) Card with the promotion of earning XXXX rewards points on gas, grocery, and drugstore net purchases for XXXX months. I received the new Visa Signature ( R ) Card and just found out that the XXXX rewards points offer is not loaded to my account. In the terms and conditions of this product ( https : //www.wellsfargo.com/credit-cards/visa-signature/terms/ ), there is nowhere mentioned that the XXXX rewards points offer is for new customer only. I felt this is Bait-and-switch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I went to experian.com to recieve my credit report. It showed that I would be charged {$1.00} to receive my credit report I was not told that I would be signed up as a paid experian member and would be billed monthly for services I did not know about or intend to use. I called experian to find out about these charges to my debit card and they told me that I should have read the fine print of the terms and service agreement. This is a scam. Experian does not notify you when your free trial is going to expire and you will be billed. They will not refund my money. Advertising that a credit report is {$1.00} and then signing people to be billed {$21.00} dollars every month without telling them is predatory and just plain wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
I was told by a XXXX agent that I do n't ow them anything and the next months I received a bill I told them that it was not possible since I was already told not to pay. Then I started receiving calls from ERC and I did tell them about the issue I thought they were going to talk to XXXX and next thing I know they place it on my credit report.

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 2015-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: NY

Complaint narrative:
To whom it may concern. In contacting the original creditor XXXX XXXX and Contacting a collecting agency who acquired my debt. There is no record on file showing they own a debt I need this removed as this is damaging my credit history.

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 2016-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response.

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 2017-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Williams & Fudge, Inc
State: HI

Complaint narrative:
Received a call during working hours from XXXX. The caller would not identify company name or purpose of call, but was asking for my personal information and social security number. Finally, she stated she was with Williams and Fudge, but would not tell me what the call was regarding, and kept asking for personal information : social security numbers, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 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: TX

Complaint narrative:
XXXX was turned in after service was canceled, but XXXX XXXX claims that I owe for equipment not surrendered.

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 2015-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: EMPIRE MEDIATION SERVICES LLC
State: NY

Complaint narrative:
this collection office uses highly illegal tactics to collect debt. impersonating attorneys, law enforcement and government officials. they try to collect more than what is owed, they threaten jail and wage garnishments, they call people 's place of employment even after being asked to not call there anymore. They do n't even bother to state the mini Miranda or monitor disclosure on any of their calls. The owners name is XXXX XXXX. the " company 's '' name is Empire Mediation Services, located at XXXX XXXX XXXX, XXXX, NY XXXX the phone number there constantly changes so consumers can not call back, but the owner 's direct cell phone number is XXXX. This place needs to be shut down.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 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: FL

Complaint narrative:
This company calls everyday about 5 times a day at our office which we just set up a few months ago. This is a place of business and it is a field office. We do not owe any debts, they should not be calling and they should certainly not be calling 5 times a day everyday! It 's XXXX. I believe it 's XXXX XXXX XXXX. I am familiar with their office in XXXX because I use to drive by it everyday and my nephew use to work there. This one is calling from XXXX per my caller ID.

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 2016-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
A branch manager from Citizen 's Bank called me in XXXX, 2016 to ask if I wanted to extend my second mortgage/ line of credit which was to expire in the XXXX. She quoted me a rate, and I said sure. Completed the required paperwork, and was quickly approved. An assistant manager called to say they were ready to close and arranged a time at a branch closer to me. When I arrived terms not previously told to me were imposed such as : ( 1 ) I had to borrow at least {$25000.00} and ( 2 ) any payments would be deducted from my account monthly. As we at the bank already, we agreed to accept those terms. I quickly paid pack the loan except for {$150.00} so as to avoid any interest payments. 
At the time of the closing, certain forms needed to be notarized. No notary was present, but we were told " not to worry, the bank manager would notarize on Monday and all we needed to do was sign '' We did. Subsequently, the manager came to our house for us to re-sign the loan and to notarize. Of course, we were charged fees and interest not told to us. 
How many other people are being charged fees and interest from Citizen 's bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Integrity Asset Partners, Ltd.
State: NJ

Complaint narrative:
called my daughter telling her that she will be sued if I, her father, do not contact him and pay a debt. he also said that the debt was settled in the past but he was still trying to collect. I never received a call from the company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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: ERC
State: CO

Complaint narrative:
I 've asked for the creditor to validate the debt by providing an itemized bill over a dozen times. During our correspondence they continue to harass and abuse me by calling me repeatedly at all times of the day offering to close said collection to coerce payment for a debt that I ca n't confirm to be true and valid. Despite these predatory and unlawful tactics they have now reported the collection to all three reporting agencies dropping my credit score from the high XXXX to the low XXXX. I have mailed them my rebuttals and their violations of the Fair Debt Collection Practices Act yet they still continue to with their unlawful ways.

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 2015-08-04 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
I had a balance left over from XXXX university which I could n't pay because a loan I applied for did n't get approved XX/XX/XXXX. After graduating and securing a job I was able to pay the balance in full to the collection agency William and Fudge XX/XX/XXXX. I received an email confirming that the balance was {$0.00} and subsequently sent an email to the school to confirm payment was received. " XXXX '' from XXXX XXXX 's bursar office confirmed receipt of full payment. I called William and fudge to let them know that I had paid and to report the account as paid to the credit bureaus, to which they said It would show as closed in about a week. Fast forward couple months, they still did n't update the account status with the credit bureaus and the account shows as open. I am unable to apply for loans and this issue has been causing damages to my credit score.

Company response to consumer: Closed with explanation