vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for housing a car ), which was highly embarrassing and has negatively impacted my lifestyle. 
( optional ) With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed as soon as possible. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Account /cell number XXXX delete the above information as quickly as possible. 
Sincerely, XXXX XXXXYour NameSSN # ***********

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have never done business with this company or had a debt sold to this company. I have requested multiple times to have it removed from my report and submitted documentation showing it should n't belong to me but received a statement stating they will conduct no further investigation.

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 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has failed to correct information in my credit report pertaining to XXXX XXXX XXXX. I have submitted disputes in several occassions along with documents to that sustains my disputes with no avail.

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 2015-04-18 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:
I disputed with Experian about XXXX, and the result had come back with the word : Remains. 
I then contacted XXXX XXXX on XXXX/XXXX/15, which they could n't verify any of the information on this account, then they said, they 'll contact the credit reporting company to update the information. 30 days later, nothing happen, I disputed it again with Experian, and the result is still Remains as of XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20 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: WI

Complaint narrative:
i got the information from my XXXX that showed experian will not provide the info on my credit score report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Shows on the credit report that an account with a minor balance owed from XXXX XXXX from 2012, no other prior reporting. Reported immediately, not a blatant balance that was outstanding for long. {$79.00} was paid immediately. Requested to be removed because of these facts. Denied and only updated. debts on the report an estimated date that they will remove, this XXXX no. Also the last complaint filed with continually dropping my score since becoming a member from XXXX to today poor with continually placing paid debts, non valid debts on my report that why should this impact my score, there reply had nothing to do with the complaint. Contacted the Omnibudsman with no reply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Credit Bureau has a collection account listed on my credit report that was sold or transferred from the original creditor, XXXX XXXX XXXX, to the collection agency, XXXX. There is no date listed on the account of when the original contract with XXXX began. That date is XXXX XXXX, 2008. I have writtenExperian on numerous occasions to have them put this date on the account, and theyhave not done so. Please have them list this date as soon as you receive my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following delinquencies was reported which decreased my XXXX score. This debt was ordered to be the sole responsibility of my Ex husband by a court majesty. However, I am constantly receiving calls and it continues to be entered against 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 explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been XXXX for 15 years there is a {$850.00} debt on my report from 2014 for XXXX I was in XXXX records will reflect the facts.

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 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed inquires on my credit report that were not mine and were not authorized and they were not deleted.

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 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Have a DR using my name also a address in XXXX. I do n't know anything about these???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
We have a loan with Springleaf Financial Services Financial Services of XXXX Illiinois at XXXX XXXX XXXX of {$7500.00} at 22 %. The loan was to rehab our house in XXXX, IL. We requested an $ XXXX increase in the loan amount as the labor for the rehab is going to exceed our expectations. Springleaf proposed that they would refinance our car and give us {$2600.00}. We were not denied an increase, but we felt that we did not want to do that as the finance charged at Springleaf are greater than at our XXXX dealer. So, we withdrew out loan request with Springleaf. 

The issue is that we received a Statement of Credit Denial on XXXX XXXX, XXXX based upon a credit report from XXXX different credit agencies. Now our credit score will go down based upon this action, and we are trying to keep our credit up as we are still recovering from the loss of our business during the recent economic depression. 

We called Springleaf this morning ( XXXX XXXX, XXXX ) to tell them that they did not deny our credit, we choose not to accept it. They said there was nothing they could do. We would like this denial taken off our credit report. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 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:
In XXXX a false tax return was filed as a joint return in my name and someone elses i followed all procedures for reporting identity theft with all federal and local authorities. There is numerous false delinquent debts listed on all three of my credit reports i did previously contact XXXX of the credit agencies nothing was fixed. In XXXX i received another attempt of id theft allegedly the IRS stopped it the thief was found and convicted yet nothing has been fixed on my credit reports preventing me from loans a house and several jobs. All documents supporting my case are available as public information from the federal case against the convicted individual who stole my identity

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 2015-10-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Penn Credit Corporation
State: FL

Complaint narrative:
There is a company named Penn Credit Corporation keeps calling me and I have never even heard of these people. 
I do n't owe anybody. Can you please have them stop calling. They have been calling for months. Their phone number is XXXX. Thank you for your help. I marked the above form as I did because there was no place to put " other '' situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
This account is not mine, belongs to Corporate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
When I signed the papers, every time it said no penalty for early repayment, the agent put his finger on the page to point that out, so his finger hid the next line, which said : but you still have to pay the interest for the full term.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I took out a loan for {$42000.00}. 
The first month payment was {$3500.00} and then it was {$2500.00} a month after that. After almost a year of paying I called requesting a pay off amount. They told me the pay off would be almost {$47000.00}!!! I do n't understand how the balance goes up? 
Please help me resolve this. I have not missed a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
this company has kept on its record an account that is fraudulent was from my identity being and stolen and used to receive goods and servicews without my permission this company keeps this fraud account on their records in additoin to reporting it to the credit bureaus when knowing it is fake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Genesis Credit Management, LLC
State: ID

Complaint narrative:
The caller called my mother 's phone twice and left threatening phone calls. The man ( he did not give his name ) said, '' _my name_ are you going to pick up the phone this time or not? '' When this failed he called my cell phone and said, " XXXX, pick up your phone '' in a menacing manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
I have received letters from National Credit Systems Inc. located in XXXX, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX They claim I owe {$3000.00} from XXXX XXXX XXXX where I have never lived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
Due to a family hardship, I am working with XXXX XXXX XXXX to eliminate my credit card and signature loan debit. XXXX of my creditors Springleaf Financial continues to call me at work and at home even after they have received the cease communication notice and I have also told them not to call me at work because I 'm not allow to have personal phone calls. At XXXX point the XXXX XXXX XXXX XXXX of Springleaf ( XXXX ) transferred out of my work voice mail and got my Manager to transfer the call to me.The message the XXXX XXXX XXXX XXXX XXXX left on XXXX/XXXX/16 on my cell and on XXXX/XXXX/16 on my work voice mail said that he turned down XXXX settlement offer and would not work with them. He wanted me to make XXXX payment or he was sending the account for wage garnishment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
This is a bill the I owe my 1st year of college, I rented an apartment off campus and when school was over I had 3 months left to complete my lease the amount of rent was {$320.00} a month but I was giving a settlement of {$1600.00} for XXXX XXXX from the National Credit System , Inc. I am trying to get this bill paid off but every times I talk to XXXX XXXX she is extremely rude and nasty when I ask her how come my settlement is so much, XXXX XXXX has forfeit the settlement of {$1600.00} only because I asked her for a detail bill for everything I was being charged on my credit report, That is my right to ask a collection representative what I am being charged for especially if they are collecting {$2000.00} with {$1000.00} being in late charges. This collection representative is abusing her position and not giving me a settlement now just because I asked for a detail bill this is against the law when I am trying to settle this bill, XXXX XXXX XXXX of National Credit System continues to abuse her authority just because i do n't know who else to turn to and to get this matter resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: AMERIPRO FUNDING, INC.
State: FL

Complaint narrative:
In late XXXX of XXXX, my wife and I decided to purchase our first home together. After careful consideration, we decided to build our dream home and use my VA loan for the first time ( 11 year and XXXX XXXX veteran ). We decided to use AmeriPro as our mortgage lender after being referred from a friend and seeing a positive record of being Veteran friendly. In XXXX XXXX, AmeriPro gave us a conditional approval and the builder decided to build our dream home. During the next few months, I personally worked hard to make sure we hit every single condition. Over those months, we were occasionally assured by AmeriPro that everything was on track to close on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, AmeriPro contacted us and stated my wife had to be on the job for six months before we could close ... Although this was very frustrating in the last minute notification, we understood the oversight and decided to wait out the remaining month until she hit her six month mark at her current employer ( XXXX XXXX, XXXX was the six month mark ). We contacted our rental agency and placed our 30 day notice, being assured there was no reason why we should n't be able to close in XXXX. We were told now that XXXX XXXX would be our closing and nothing should prevent us from closing on that date. Ten days before closing ( XXXX XXXX ) we were confirmed to still close on XXXX XXXX, XXXX. A week before closing, the bottom fell out from underneath us, AmeriPro called and said there was no way to close on the XXXX of XXXX, XXXX because the VA required my wife to be on the job for a year. We pleaded that this was NEVER part of the conditions list and that we were now at risk of losing everything ... our {$10000.00} deposit, our current home ( rental ), the rental deposit, additional moving expenses and .... our dream home. AmeriPro apologized, but said there was nothing they could do and it was an oversight on their part. The piece that made this so frustrating is AmeriPro did n't care that a US Veteran was going to be homeless with his family and took ZERO accountability for their mistake or lack of professionalism and communication. On XXXX XXXX, my family and I were forced to move in with relatives, rush to get our furniture placed into storage and take on additional expenses. The lack of accountability and communication from AmeriPro is totally unacceptable. At a minimum, AmeriPro should have offered to come up with another solution, pay for the additional moving expenses and temporary housing ( at least 2-3 months ). I would hate to see anyone go through something like this as I 'm sure the mortgage industry is not set up to see people frustrated and homeless.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: CASHCALL, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX firm claimed to be a debt collector for Cash Call. XXXX XXXX XXXX firm is a total SCAM! He is n't a so called law firm. We a agreed on a monthly payment of {$120.00} a month XX/XX/XXXX for a debt due to Cash Call. I did n't know at the time that he was a scammer. I paid {$600.00} up front via my checking account. I paid {$120.00} each month till XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX firm took two payments of {$120.00} when I did n't agree to that. My bank account shows XXXX XXXX XXXX but nothing about a law firm. I then called XXXX XXXX XXXX firm and got no answer, left a message and he never called me back. Then on XXXX XXXX XXXX at XXXX I get a call from XXXX from XXXX XXXX XXXX firm saying I 'm in big trouble for closing my bank account out and saying I still owe {$600.00} but now I 'm going to owe {$6500.00}. I told him I finally found out they have been scamming me for all these years. XXXX of course denied that. I told him send me a letter with proof of everything he was saying. XXXX then called my daughter 8 times and harassed her. XXXX said he looked up both of our XXXX pages and said he knows everything about us. My daughter told him if he calls again we are calling the police and reporting him. He hung up and ten minutes later tried to call her again. She did n't answer, he has n't called since. Now I 'm reporting them everywhere I can, so I can warn others.

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
Consumer complaint received 2016-07-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KY

Complaint narrative:
The complaint starts with a personal loan that was taken out by me and my mother from One Main Financial. The loan was in my name and my mother cosigned for this loan. I stopped paying on this loan when I was fired from my job. My mother became very ill and I stayed home to take care of her because she became XXXX. She then passed away XX/XX/XXXX. I had not been able to pay on this loan for the 2 years I was off work and taking care of my mother. Starting XXXX XXXX my wages were to be garnished for {$8900.00}. As difficult as it has been losing at least {$250.00} every 2 weeks and raising XXXX children I understand this is my debt. My complaint is that now that this is almost paid in full which included the interest on the loan, that the Judgement Creditor is going to charge me 12 % interest on top of the interest already included on the balance. I do n't understand why I am being charged interest on top of interest. Can you please help me to understand that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
I have a title loan with Springleaf financial who was bought out by One Main Financial. I have been paying extra to get my loan down. When I was discussing a payment with them the other day they told me that I had {$180.00} sitting there waiting to become a full payment. I sent them this money over time to reduce my loan amount. They kept it separate allowing them to charge me interest on my account. If they would have applied that money to my account then less interest would have been charged to me. This does not seem fair be it seems like they are taking money from me instead of applying that amount to my account.

Company response to consumer: Closed with explanation