vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I was applying to Citizens Bank/Citizens XXXX XXXX XXXX XXXX XXXX, RI XXXX for a loan in reference to the XXXX, as per : XXXX The XXXX Upgrade Program is financed through : Citizens One Subject to eligibility* I applied in store on XXXX XXXX 2016 - was denied, due to the XXXX employee mistyping information. The employee did n't verify the information so I was declined loan, I waited 75 minutes and called Citizens One to get a case started to resolve the issue, was given a dispute number.. I wated the requiste days, and was told that CO Bank would reach out to me. They never did, so I engaged again only to be told they would reach out within a couple more days. I had to have the agent send me an email to verify they would. The agent gave me my needed details. I waited, no call so I engaged again and the next agent didnt seem to know what I was calling about. I gave my dispute number and they seemed to think I had just started calling ; after I got her manager I was able to get some details. The department that handles the disputes for this issue ( ironic they need one ) had a decision just no one called me. So I had yet another manager level agent send me an email guaranteeing that the bank would contact me ; but at this point realised the fact that I have to have the company email me to ensure they stay honest sort of scares me a bit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 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:
XXXX and Experian are reporting an account with XXXX that does not belong to me. I never have had nor do I currently have an account with XXXX. Credit bureaus account numbers are XXXX and 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 2016-06-22 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 a mortgage account # XXXX XXXX. In XXXX XXXX XXXX, XXXX - phone number XXXX has increased my payments due to escrow shortage. I was not aware of the increase amount. I therefore paid the regular mortgage payment. I later received a letter stating that my mortgage payment was not posted to the account because of a shortage. I requested a copy of the findings for the increase. However by which time XXXX has reported a 30 days late due to a shortage of payment. 
The fact of the matter I was not late with the payment, I made the regular payment but not the increase. I was told because I did not make the full payment that was due ( I was not aware ) I was reported late. I tried working with XXXX and also the credit bureau but XXXX has denied the request for retraction of the 30days late. I believe if anything my payment was short but not late. As a customer since XX/XX/XXXX with XXXX I believe they should look at the history of my payment and understand this is not a late payment. The payment was short due to an increase that I was not aware of. I request that they retract the 30 day late from all XXXX reporting credit bureau.

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 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After Reviewing My Experian credit report I found their was a bankruptcy showing on my report. I first contacted the reporting agency as seen on my credit report, NJ bankruptcy court via mail. They wrote me back indicating that they have no correspondence nor do they report to any of the XXXX credit bureaus. I then contacted Experian and requested that they validate this negative account and provided me with copies that clearly state that NJ bankruptcy court is n't reporting to their agency. I received a letter back from Experian stating that they have validated the debt. They have not provided any such documents bearing my signature, or any documents supporting their claim to be valid. I sent Experian certified letters on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX asking again that they validate the alleged debt and if they cant please delete the account from my report. I noted in my letter that proof of validation is a document bearing my signature, or any court documents stating that they our reporting a Bankruptcy to their agency. As of XXXX/XXXX/XXXX Experian is still reporting bankruptcy on 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 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian provided me with a response that they can not delete wrong addresses from my report because they store information provided by furnitures even though I have explain that I do not recognize such addresses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX did unauthorized illegal credit checksExperian : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently had my reports pulled after receiving a bank statement from XXXX XXXX XXXX XXXX whom I do not bank with nor did I have any knowledge of this account. I contacted all XXXX credit bureaus to dispute the address as well as the many inquires that I did not authorize. Experian keeps declining to remove the inquires and report the correct address for me although I have mailed a letter with my current Missouri id with a copy of my social security card. I explained that someone has used my identity to obtain a payday loan with XXXX XXXX and has applied for multiple things. Please assist me with this matter

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 2015-05-24 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:
A company " XXXX XXXX XXXX XXXX XXXX '' has become attached to my credit report and keeps bothering me for money saying that I owe them money. I never borrowed any money from them, do not know who they are, or how they messed up my credit report. I talked to a lawyer about it and he said I did not owe them any money, and what they are doing is illegal. How can they do this illegally, and putting themselves on peoples credit report and keep getting away with it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian to dispute the information they are reporting regarding a Bankruptcy in which they have obtained this information. I contacted the court and were informed they do not furnish records and information to the credit reporting agencies, which they do not. The credit reporting agency responded by telling me they are not required to give me that information. They have violated the FCRA Section 609 a 2 ) and Section 611, paragraph ( 6 ) ( B ) ( iii ). We request that the bankruptcy in question be removed from file forthwith.

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 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Account for XXXX XXXX should be removed due to it being on a home that was foreclosed on and the XXXX late for this trade line was over XXXX years ago. This account was removed from my credit file with XXXX and XXXX, see attached credit reports. This account was joint with my wife and was removed off of my wife 's credit report with Experian, please see attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13 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 recently disputed credit account with XXXX XXXX XXXX on my Experian credit file.Experians investigation results were that the item " remains '' on my credit file. I have reason to believe that Experian did not correctly investigate my dispute because I disputed the same item with XXXX XXXX XXXX with XXXX and their results were : " This item has been deleted from the credit file. '' My ultimate goal is to have this item deleted from my Experian credit file. You will find attached to this complaint my XXXX investigation results and my Experian investigation results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i can a XXXX buerue credit report through XXXX and noticed that XXXX and XXXX accurately reported while experian had somehow merged somonelses info onto my report causing my fico score to drop XXXX points on experian. we are trying to buy a first time home please help. 

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 2015-08-08 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:
A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX/XXXX/2015 XXXX Bank requested and received my credit report from your company. To my knowledge, XXXX Bank has absolutely no permissible purpose ( as stated on the Experian website ) to request or receive my personal information. They offered me no credit, they do not employ me, they are not a potential investor, not a current creditor, nor do I have a mortgage with them or anyone else. I have absolutely no affiliation with XXXX Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I initiated a dispute XXXX/XXXX/XXXX with all XXXX credit bureaus ( XXXX, XXXX, and Experian ), because the original creditor failed to respond to my requests in XXXX/XXXX/XXXX. I allotted each bureau with time and documents supporting my claim that this credit entry DOES NOT belong to me. It has been over 30 days and rolling 60 days ... .I have not received an update regarding my dispute. However, when I log into my online accounts with the credit bureaus, the entry has not been updated nor removed. I feel I gave more than enough time to resolve this dispute. 
I think the original creditor, XXXX XXXX, is behind this ignorance. Either party ( the bureaus or XXXX XXXX ) should have contacted me by now. This account does not belong to me in the first place. I contacted the bureaus in XX/XX/XXXX reporting fraudulent activity on my credit profile, and then Federal Trade Commission in XX/XX/XXXX when more entries were appearing on my report. 
Please help me resolve this dispute. 
I sent the fist letter to the credit bureaus by regular mail on XXXX/XXXX/XXXX. 
The second letter certified on XX/XX/XXXX*XXXX tracking XXXX XXXXExperian XXXX XXXXMy postal has expected delivery dates ranging from XX/XX/XXXX-XX/XX/XXXX. 
Meaning each bureau should have received my 2nd dispute by now. Please review the attachments and contact me if you need any additional information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and I have a complaint with Castle Pay Day. I received a loan from Castle Pay Day XX/XX/XXXX which stated I was to borrow {$800.00} and a one time finance charge of {$200.00} which I agree to pay which made the loan a total of {$1000.00}. Castle Pay Day sends out text messages XXXX day in advance to my phone before taking money directly out of my checking account. I start making payments XX/XX/XXXX amount of {$200.00}, next payment XXXX XXXX, {$200.00} XX/XX/XXXX in the amount of {$200.00} and XX/XX/XXXX for {$200.00}. Castle Pay Day know says that I still owe them {$1000.00} because I have not been calling them to verify that the money has been collected. Castle Pay Day did not before I receive the loan mention anything such words as to call before making a payment. Castle Pay Day sends out text messages before taking my money ( " to reply or call if you have questions or wish to modify your pmt amt. For Help reply HELP ) ''. And before they take your money Castle Pay Day sends out text message to inform you they have withdrawn money from my account. I have called Castle Pay Day several times ( XXXX ) to resolve the issue. I only want my money that Castle Pay Day took from my account to apply to the loan that was issued to me. Castle Pay Day says that the money that I already gave them was for finance fee, which I was told it would only be a XXXX of {$200.00} for finance fee. I only work part time ( XXXX hours wk ). Please help me solve this matter. I do not want this on my credit report. In the mean time I have block Castle Pay Day fro taking money from my checking account, but I would like to pay the remainder of what I owe Castle pay Day which should be {$200.00}. Thank You Sincerely XXXX XXXX : XXXX : XXXX XXXX XXXX, XXXX, CA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC
State: IL

Complaint narrative:
I have a bill on my credit report that has been shared in collections with a third party agency. I know for a fact this bill is well over seven years old and the amount is way over the actual bill can you please help me.

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 2016-10-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
1. On XXXX XXXX, XXXX I closed a Citizens Bank account, taking the proceeds in the form of a ( Citizens ) bank check. The amount of the check was {$1000.00}. 
2. On XXXX XXXX, XXXX I deposit this check into my ( another ) Citizens Bank account. This check was promptly returned to me as unpayable stating the reason as " refer to maker '' ( the maker being Citizens Bank ). After numerous inquires and a variety of answers, I was informed Citizens Bank had escheated the check to the XXXX of Pennsylvania. 
3. On XXXX XXXX, XXXX, with the help of a Citizens Bank representative, an investigation request was sent to the XXXX Pennsylvania. 
4. The PA XXXX has informed me that they did not this receive the escheated check ( or proceeds thereof ). 
5. On XXXX XXXX, XXXX I again contacted Citizens Bank requesting a paper trail, or any documentation showing the check had been escheated to Pennsylvania. The Citizens Bank representative essentially told me she could not obtain any such documentation, and basically there was nothing further Citizens Bank could do to help me resolve this missing check problem. 
6. So as it stands now, Citizens Bank is saying they escheated the check to Pennsylvania, and Pennsylvania has no record of the check. It appears that Citizens Bank is now washing their hands of the issue, and refuses to provide any additional assistance. 
7. It is my contention that Citizens Bank has the obligation to provide the documentation to track the whereabouts of this check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened a small business checking account with Citizens Bank two months ago, and deposited XXXX checks into this account exactly four business days ago, on Friday, XXXX XXXX, using their mobile deposit feature. When I completed the deposit, the confirmation said that I should expect to have access to these funds within XXXX4 business days. Today ( Tuesday, XXXX XXXX, 3 business days later ), I checked the account only to find that my XXXX deposits are now expected to clear on XXXX XXXX, a full 9 business days from the date I deposited them. As a small business, this is a ridiculously long time to wait for a relatively small amount of money to clear, so I called Citizens Bank customer service to see if they could do something to speed it up. The answer I got was that they were unable to contact the XXXX banks who issued the checks I deposited ( XXXX XXXX XXXX and XXXX Bank ) in order to clear the checks, and that the only way they could speed up the process was if I called these banks personally, obtained the direct phone numbers of the people who are responsible for clearing checks, and then called Citizens back to give them these phone numbers so they can call too and clear the checks. Unfortunately, I do not have the time to do this, and since I am a new customer for Citizens Bank and this is my first deposit, I can probably assume that this will be my experience with them in the future as well. At this point, thanks to Citizens Bank I can not use my funds for the next two weeks, which is causing significant difficulty in my business operations. 

I do n't know whether it is legal for them to hold my funds for such long periods of time ( 9 business days or more ), but this is not a practical solution for my business, so I will be closing my business account with Citizens as soon as I can, and finding another institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I was recently contacted by CitizensOne Student Loans, which is a division of Citizens Bank about refinancing my student loans. I was approved for the refinancing but the interest rate that I was given is rather high, and is higher than what I 'm currently paying PLUS my XXXX score is higher. I called to speak with someone so that I could be explained why I was offered such a high rate. The customer service rep could not explain it, said that its just computer generated, and the underwriting team does not talk to customers. I asked if I could be provided an explanation in writing, or even what credit score was used to offer the rate and he would not tell me. This seems quite unfair and now I have a hit on my credit, and I feel as though I have been subject to a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 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: TX

Complaint narrative:
The collection company keeps calling my office number. Looking for a person we do not know here and had never work for us either. I keep asking to take the number off their list and nothing happens.

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 2015-07-20 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: ERC
State: OH

Complaint narrative:
XXXX emailed me that I have a account in collections on my credit report, I called the collection company and explained the debt is not mine. I then called the company that sent the info to the collection company and have no gotten anywhere in over a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief