vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Per complaint # XXXX, as stated in previous complaint that I did not authorize credit pulls by anyone except those listed in that complaint. I also stated that I was unable to get responses from creditors, which I 'm assuming is because they did n't have my consent and therefore ca n't provide proof

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 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
On both my XXXX and experian credit report XXXX has listed that my account balance is for my auto loan is {$31000.00}. That vehicle was sold and the loan paid. I am no longer responsible for that account and would like the status on my reports to reflect that

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting following personal credit checks which were not authorized by me. I tried to call them there is no answer all voice recording. 
Following inquiries must be removed from my record I did not authorize them 1. ID # XXXX 2. ID # XXXX 3. ID # XXXX 4. ID # XXXX 5. ID # 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 2015-07-09 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: MI

Complaint narrative:
i have tried online and through the mail to recieve my report from experian and can not get it i have tried on many occasions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15 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:
Inaccurate information on credit report Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016 XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016

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 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Seeking to have credit bureaus remove a tax lien filed by the State of Georgia which has been paid and satisfied for more than 4 years. Additionally, the lien was filed in XXXX of XXXX so I believed that the lien would fall off my credit reports after 7 years, being XXXX XXXX. 

Upon contacting XXXX and Experian today XXXX XXXX/XXXX/XXXX XXXX to confirm that this would be removed in XXXX once the 7 year mark had hit from its original filing date, I was informed that legally my tax lien must be reported for 10 years by law with a removal date of XXXX XXXX or to get an order from a judge ordering its removal. However, after viewing the Georgia XXXX it specifically states the following ; " The Department has no control over the length of time that credit bureaus keep public information on a credit bureau report. To update your credit bureau report, you must contact the credit bureaus directly. If the Department recorded a state tax lien against you in error, the Department will amend the lien by stating that it has been officially withdrawn. Please note that the Department can not instruct a credit reporting agency to alter its records regarding this error because the Department does not report the recording of state tax liens to any such agencies. '' So there seems to be no such order of removal process in the state of Georgia or law requiring credit bureaus to report satisfied tax liens for any specific amount of time. It appears Georgia residents have no way to request satisfied tax liens be removed from credit reports. 

I am requesting your organizations assistance in having this lien removed from all credit bureaus in good faith as I paid the tax debt ( {$1500.00} ) once I learned there was a judgment and had been reported as a tax lien more than 3 years ago ( XXXX XXXX XXXX and additionally exercised patience in believing that the public record would be removed after 7 years of its filing date only to learn that the credit bureaus can report a public record for any length of time they choose, in this case 10 years, even though my state agency does not mandate this.

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 2015-05-03 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:
Submitted all proper identification along with police report from town that identity theft was based out of and experience still wo n't remove. This is my second time disputing with them. 1st they tell me I need to send in a Police report. Now finally I get the police report. They want it notarized. My credit has suffered long enough. This will also be the 2nd time you guys get involved as well with my fight 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 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have an incorrect address on my credit file and I also would like to update my employer. I spoke with the credit bureau and after answering extension questioning my file was not updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
reporting account status that is old. 

coastat federal credit union XXXX is still reporting 30 and 60 days late from 6 years ago and account # XXXX is reporting 30/60 days late almost 6 years ago. From what i am told this should be showing the previous 36-48 months max not a late payment i made 6 years ago. XXXX XXXX XXXX reporting lates from 5 and 6 years ago also the following fraudulent inquiries made by my ex wife are still showing XXXX XXXX XXXX XXXX card fingerhut XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these inquiries were initiated without my permission. All the accounts look ok that i see thus far, i just want the above corrected and removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In review of my credit report I noticed that a " XXXX XXXX. '' was reporting a delinquency on my credit report. Per the attached Office of Comptroller of Currency Document provided to me by XXXX XXXX Bank XXXX, XXXX XXXX XXXX ceased to exist XXXX XXXX, 2011. I disputed the apparent fraudulent reporting by a non-existent entity and " XXXX Bank '' responded, a trade name. They changed the reporting to " XXXX XXXX Bank ''. The Problem? XXXX Bank and XXXX XXXX Bank are trade names and therefore can not legally conduct business in regards to contracts. Remember " XXXX '' and XXXX? If XXXX XXXX Bank XXXX. is the legal entity they must be the reporting entity. We can not assume this without proper documentation from the legal entity which may or may not be XXXX XXXX Bank XXXX. It appears that some un named entity is " Intentionally Misrepresenting '' who the legal entity is? ( fraud ). I ask that the CFPB force the legal entity to be identified, if possible, so I may work with them to resolve. If it is XXXX XXXX Bank XXXX. I would think they would have initiated the reporting and would have responded. Not XXXX Bank that exists as a trade name only per the attached. I was told by the credit reporting agency, Experian that it would take up to 60 days to have a response to my concerns of " XXXX Bank '' trade name conducting business as if a legal entity.

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 2015-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
my name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX fl. XXXX. I keep getting phone calls from creditors asking for XXXX XXXX and she lives XXXX XXXX XXXX XXXX XXXX florida XXXX. I get calls from her creditors asking for XXXX XXXX and I keep telling them that she does not live here and that the number they are calling is not hers. Today I called the FBI, Federal Trade Commission and they directed me to consumer finance. I am scared she is trying to do a scam on my property or my name. I can be reached at XXXX or my cell XXXX. I also am receiving mail in her name but with my address on it. The creditors that have been calling are midland XXXX. XXXX. 

Thank XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
The issue is I purchased a house in Louisiana I XX/XX/XXXX and shortly afterward I joined the military. Since I got stationed in XXXX. I allowed a family member to stay in the house under the condition she would pay the mortgage. Unfortunately she was n't paying the mortgage and I did n't find this out until XXXX XX/XX/XXXX she had n't paid for 42 months. But it was too late for me to rectify the situation. The mortgage was already XXXX dollars in the behind and I do n't know. I had n't received any notification from the mortgage company. Nothing was showing on my credit report. Now the bill is close to XXXX dollars. Nevertheless the mortgage did n't foreclose because I was a military member. So I tried to make some type of arrangements to get the back mortgage under control, but the mortgage company refused to accept any payment less that XXXX dollars, but wo n't foreclose on the property either. I then tried to surrender the property back, but I kept getting the run around and then finally denied for information for not providing information when I did provide it. So now all the property is doing is accruing debts. I have the house up for sell, but now the mortgage representative are lying to my real estate agent saying that ca n't give her a BPO without me revoking my cease and desist. They are using the fact that I 'm in the military as a loophole to allow the property to get deeper and deeper debt. I 'm not even stationed in the state that the house is in. The mortgage company is making every attempt to make any resolution to this issue impossible. The company is trying to force me into a Loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: MOHELA
State: NV

Complaint narrative:
I returned to college in XXXX. I attended XXXX XXXX XXXX part time on an XXXX while also working full time. I was married and had XXXX daughters. In XXXX, I had completed all the XXXX college had to offer and transferred to the University XXXX XXXX. I received XXXX to attend the university that covered my tuition. Student loans covered XXXX school tuition, books and living expenses. 

I graduated, XXXX, with a XXXX in XXXX XXXX. I was offered a job at the XXXX where I had done my XXXX that would begin in late XXXX. Then, on XXXX XXXX, XXXX Hurricane XXXX struck, with the eye passing directly over my home in XXXX. In a weekend, our lives changed drastically. I moved XXXX to live with my mother and got a job with XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. During the first three years of working, my student loan payments became erratic in the XXXX months because I was not always able to find temporary employment. During this time, I used up all my deferment and forbearance periods I was entitled to. By XXXX, I was fully employed throughout the entire year and was paying all loans regularly. In XXXX all of my loans were consolidated and the principal amount was approximately {$28000.00}. 
In the last 10 years I have tried to apply for several loan forgiveness programs but have never been eligible because of the dates of my loans. XXXX programs forgive loan balances after five years XXXX. I worked in XXXX my entire career. During my 22 years working XXXX and indirectly affected thousands more through my work XXXX Another loan forgiveness program is for public service employees. It forgives loan balances after paying on time for XXXX consecutive months. I have paid on time for XXXX consecutive months. When I recently inquired about loan forgiveness I was told I am not eligible for forgiveness because of the dates of my loans. I have already paid {$50000.00} for the {$20000.00} I borrowed. I do not understand why there can not be the same forgiveness for my loans as there is for those who do meet the date requirements. Aside from the dates, I meet all other eligibility requirements. 
The interest rate on my loans is 8 %. It is continuous compound so interest accumulates every day on the unpaid balance. 
I feel like I have been a responsible borrower, paying regularly every month. With the current situation I will pay these loans off in XXXX and will have spent approximately {$85000.00} to pay the loans back. Can you help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express tried to debit an unauthorized amount of {$900.00} out of my checking account, when I had a {$0.00} below ( I did not owe them anything ), causing me to get a returned payment fee with my bank and American Express. When I called American Express to report this, they acknowledged I did not owe anything, but said I tried to make the payment, so they would not credit me back the fee. I told them I definitely did not make a payment of {$900.00}, when I had a {$0.00} balance ... that just does n't make sense. All I wanted was for them to remove the fee they were charging me for THEIR mistake, but they refused to do that. I then asked to speak with a manager and they just transferred me around to other people with the same job title, putting me on hold each time, never putting me in contact with a manager. This is ridiculous. They need to be held accountable for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-19 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: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
Last year XXXX damaged a suitcase during shipment. XXXX never paid neither responded my claims. I opened a claim with my credit card company to get reimbursement from XXXX. XXXX never approved the claim of the credit card company. I gave up trying to collect payment from XXXX. Recently I started receiving debt collection notices with collection fee. A copy of the notice is attached for records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: OK

Complaint narrative:
I recieved a {$500.00} loan from a company called NorthCash on XXXX/XXXX/2016. Loan agreement had me do first payment of {$120.00} and XXXX payments of {$170.00}. So far I made XXXX payments. Since Northcash is not licensed in the State of Oklahoma the loan is illegal! On XXXX XXXX, I sent a letter to Northcash stating that they are not licensed in Oklahoma and I 'm willing to pay the principal of the loan which I owe {$35.00} since i paid {$460.00}. Hours later I received an email from Northcash stating as a courtesy, they will wave all fees and interest and I owe only {$35.00}. A few hours later I received an email from Northcash stating that I have a balance of {$410.00} and I can do XXXX payments of {$130.00}. I called and talked to the representative and she claims because if my age I do t know what I 'm talking about!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I used my American express card on XX/XX/XXXX took out XXXX there where XXXX more transactions back to back for the exact same amount within seconds of each other I would n't have even had time to put my info in again to with draw the money then the same thing happened on XX/XX/XXXX I took another XXXX and there are XXXX more transactions taken out just like the other one so some how it was doubled on my transactions and the fee at the atm was charged every time just like I put my card back through the other times which I did n't American express took less than a week and denied my claim knowing when I called and reported it the guy on the other end that took the report even said there was no way I could have done the transactions they where to close together there was also a charge to XXXX XXXX cable company for XXXX I do n't even have a XXXX XXXX account I did n't authorize it like I said I do n't even have a account with them when I contacted XXXX XXXX they told me since I do n't have a account that I have to dispute it through my credit card company and when I turned it in on the credit card company they are saying I have to turn it in to XXXX XXXX neither one are doing anything to help me what so ever the money that was taken out of my account is my tax money I am a single mom with XXXX kids I do n't have the extra money I am so upset at how easy it was for someone to take money from my account and neither business to do anything to help both companies where rude and completely unhelpful, my credit card company would n't even contact XXXX XXXX to see what account my money was used on and when I tried to contact XXXX XXXX to get that information myself they told me they were n't able to hand that information out that I need to file it through my credit card company so both are just giving me the run around and doing nothing to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
In XXXX 2015 I set up a settlement with Midland Credit Management ( Midland Funding LLC ) for a debt they bought from XXXX XXXX XXXX. I paid the agreed settlement in XXXX 2015. I received documentation for the settlement agreement and that it had been paid. This company is still reporting this account open to the XXXX credit bureaus. I have disputed this with the credit bureaus and the company still maintains that I have balance due. When I called the company and spoke with Consumer Affairs division, they claim that the Internal Legal department has not notified them the debt has been paid. I have spoken to the Internal Legal department who indicated that the account is closed and there is nothing more they can do for me. In the meantime, this account is still showing open with a balance on my credit reports because even after I provide documents regarding the settlement and that it 's paid from this company. The company keeps reporting differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
i have a credit of XXXX dollars with american express credit card # XXXX but american express refuses to return this money to me. 
i urgently ask you to interfere on my behalf so that i can get back the money that belongs to me. 
thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Calls almost every day, leaves no message. When I Googled the number, comments indicated Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I have complained against them previously under claim # XXXX. When it showed up under my XXXX report, and now it is on my XXXX report. They have been told any credit dept was filed under XXXX of XXXX bankruptcies doc # 's were given. They say this is a new account from 2012, the name they say it was opened under is my married name. I was n't married in 2012 I was n't even with my husband in 2012. Company has never contacted me in fashion. I only found out about this account since I check my credit reports every year. I put a fraud alert on my credit accounts after the 1st episode which is how I found out about the 2nd incident.

Company response to consumer: Closed with non-monetary relief