vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-26 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: TX

Complaint narrative:
I 'm being harassed by phone, and emails on a daily basis, I get between 4 to 7 calls a day. I have asked branch manager XXXX to stop calling multiple times, but calls keep coming. I try to answer all calls but they been using harassing and threating language. I sent a written request to stop calls but I was told that they have all the right to continue calling. they have called some of my relatives as well on multiple occasions. I have proof of all the calls, voicemails, and emails that I have received. my payment has never been late for more than thirty days. Manager XXXX XXXX claims that they 're not a collection agency, therefore I cant stop the calls, but the emails I receive claim that they 're a debt collector and they 're trying to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Yesterday I received 3 calls from a debt collector ( XXXX XXXX XXXX ) stating that they were a law firm attempting to collect a debt. This is after a conversation I had the previous day ( different customer service agent/paralegal ) requesting an email with their original correspondence as I had recently moved. I did not receive this email. 

They called at XXXX XXXX, XXXX XXXX, and XXXX XXXX ( yes I have the EXACT time, and the calls came to my employer ). 
During the first call the man refused to give me his name and literally YELLED at me screaming, " YOU KNOW WHAT YOU NEED TO DO, YOU JUST NEED TO PAY IT. STOP TRYING TO BUY TIME!!!! '' All I asked for was a copy of the original correspondence in regards to the debt that was sent to me. I asked for them to email this letter so that I could review it ( I mean who makes legal decisions without seeing something in writing? ) and he yelled, " SO WHAT ARE YOU GON NA DO?? IF I SEND YOU THIS EMAIL I WILL GIVE YOU 30 MINUTES TO READ IT AND I WILL CALL YOU BACK. STOP TRING TO BUY TIME! YOU '' RE XXXX PAY THIS!!!! " Needless to say, I then hung up the phone. I was at my place of employment getting yelled at by a stranger that refused to provide the correct documentation in regards to the debt, and was yelling commands over the phone. They also threatened legal action and wage garnishment, and would not let me speak AT ALL. 

During the second call he called and said, " SO WHAT IS YOUR EMAIL?!? '' No hello, no can I speak so so-and-so or anything. I gave him the email and he began to yell again. " SO WHAT ARE YOU GON NA DO? YOU NEED TO PAY THIS NOW! YOU HAVE 30 MINS TO READ THE EMAIL AND I AM CALLING YOU BACK TO ASK YOU HOW YOU 'RE GON NA PAY!!! '' I kept saying ( in a very low and calm voice because I am at work ) to " Please stop calling my job. '' He kept speaking over me and would not allow me to ask questions, so yes, I hung up. 

The third call went ignored. Did I mention hat they left a message on my SUPERVISOR 'S voicemail???? This is where it must end. I do n't care if someone owes XXXX or $ XXXX, there is no reason to yell and harass them at their place of employment. This company has crossed the line. I sent a cease and desist letter via email, AND CERTIFIED MAIL and received yet 2 other phone calls this morning. 

So technically there are XXXX issues:1 ) Frequent or repeated calls2 ) Used abusive language3 ) Threatened to take legal action4 ) Called after written case of communication notice.

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 2016-08-12 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:
Have an open auto loan with my credit attached to it but none of my information. Do not have an open auto in 2011.

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 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I 've disputed this information 5 times already with the CRAs and I 'm receiving letters stating that they will no longer investigate even though I am providing clear and detailed information on what I am disputing, reasons and inaccuracies. I 've even included the actual figures on the reports that are inaccurate and month and after month nothing changes! How is this even legal??? 
*Please see letter attached for account disputes *I 've included credit report for comparison of disputes vs. reported information

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 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Thanks for your assistance. I was billed for a medical task that my insurance stated I am not responsible for. I called XXXX and spoke to them about this, and provided the documentation from my insurance company. This was ignored and I was billed and then reported for non-payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was given free credit protection with Experian due to a security breach. It promised that I would be able to see my credit score right on their website. But, I could not get it, so I called. After much wasted time on the phone Experian said that it was not included in my free service, but that I could get it at freecreditreport.com. So, I logged in there and was told " Congratulations, you are eligible for a seven day trial membership {$0.00} credit report. '' But, when I tried to access it, it told me that the cost was {$21.00}. Another very long frustrating call and I was told that it would be available in 2 days. I totally do not believe this and am convinced that Experian is deliberately misleading and deceiving customers. Please do something to make them stop. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2009 a IRS tax lien was applied to my property, and has since been paid.

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 2016-04-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There was a preforeclosure on my home XX/XX/2014. The loan was subsequently sold to another lender and the original lender was paid off and the account was closed. I agree that the loan was once in foreclosure and that that it should reflect in the history. However in the current status the loan shows as foreclosure on Experian. This is incorrect and should be reported as closed or transferred not Foreclosure as indicated on the report. I have submit documentation to both credit reporting agency Experian and they refuse to acknowledge their error in the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
All XXXX credit reporting agencies continue to report our Loan Balance with XXXX incorrectly. This balance should be less than {$900000.00} now. But these agencies have reported a loan balance of XXXX XXXX dollars despite the fact that the loan was modified in 2010 and the balance was set to {$920000.00}. I am attaching the Mortgage Note that was fully executed and records as proof. Our attorney from XXXX has contacted XXXX and they can NOT produce ANY evidence to the contrary. 
The previous servicer, XXXX settled with Consumer Federal Protection Bureau ( CFPB ) for $ XXXX for violating serving and loan modifications laws. XXXX is refusing to cooperate with us and are simply referring us to XXXX when we asked them to provide proof that we owe the deferred balance. We have also filed a complaint with the CFPB. 

We are unable to hire an attorney since we have no funds and the balance reduction will ONLY be on paper, so there is no proceeds where any attorney could collect. We would like your help to engage the credit agencies to correct the reporting. They have been violating credit reporting and debt collections laws since 2010.

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 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I noticed that I have inquiries on my report that I do not recognize, THIS IS NOT A REQUEST FOR ANY FRAUD ALERT. This is a final demand for removal of unauthorized credit inquiries from my credit report. I have spent yesterday and this morning on the phone making calls to these companies and have made the proper notes and I am demanding that you stop sending me letters stating that you have to list any inquiry on my credit. This is a total lie You are only suppose to list an inquiry if it has a permissible purpose and you must show proof. If the companies listed are called by me and they either state to have me dispute directly with you that they did not have the right to pull my credit or they are NOT showing my information in their system I would say that is NOT SHOWING A PERMISSIBLE PURPOSE. It is on the news that you you credit bureaus have been fined millions of dollars for deceiving customers. I believe that you just stick hard inquiries on a credit report to lower a persons score or to make it look bad so they do not get extended credit. Regardless I took the time to call each one so you must now remove these from my credit report. You do not have the right by law to report these as there is no permissible purpose.

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 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I disputed a late payment from XXXX with XXXX XXXX XXXX XXXX on Experian. I provided documentation showing where the error was on their part. XXXX XXXX had agree to remove the late pay on their system based on this documentation. Experian did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Experian leave it on my file after the dispute?

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 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2016 my report was shared with XXXX XXXX XXXX, XXXX XXXX on behalf of XXXX XXXX XXXX XXXX without my authorization. The inquiry is scheduled to continue on my record until XXXX 2016. Experian 's sharing policy ( attached ) does not grant authorization of this type of sharing without consumer 's authorization.

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 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a complaint with Esperian regarding my account not being updated for XXXX XXXX. I requested either the company verify infoinfo and update account appropriately or delete account and in return my account was updated with incorrect information and my credit score dropped drastically. This is not only wrong but inappropriate on many levels as this is jeopardizing my loan to purchase a home.

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 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am Sending you another complaint letter following up on my last complaint with Experian. There was a HUGE miscommunication over the phone. Experian is claiming that I waned a reinvestigation. I never requested reinvestigation or any kind of investigation. I never asked Experian to reinvestigate anything, I asked them to REMOVE persistent dispute notations from my Experian credit report on XXXX XXXX. They need to stop the unauthorized investigation. I did not call them and open an investigation, it was not an an investigation call. I called Experian on XXXX, XXXX 2016 to ask them to remove the 30 days-past my dispute ) dispute notations. I wrote your company in hopes that you could get Experian to remove the persistent continuous dispute remarks. I am very upset, my home loan is approved and needs to go into the underwriting process, if these dispute remarks are not removed I could lose my deposit and lose my home loan I am partially approved for. This loan can not be completed until these persistent dispute remarks are removed right away. These accounts are XXXX and XXXX. I have no time, I do not even have 30 days to have my loan approval underwritten. I do not want this investigation continued. They are holing my credit hostage to persistent continuous dispute remarks. I am waiting for these remakes to be removed immediately, Experian has been very misleading and they are not providing me with what I need to continue with my home loan. They are holding my credit hostage. Also, a big legal issue in my opinion- is that they started an investigation without my consent. The last time I disputed anything on my Experian credit repot was well OVER 30 days ago. NOTHING on my credit report has been requested to be disputed or reinvestigated in the past 30 days! I feel like your response ( THE CFPB ) ( your company ) did n't even try to get Experian to remove these remarks. I feel like your company is not looking out for the well being of others and the way people are being treated or handled. Once again, PLEASE have Experian remove these dispute remarks and STOP their reinvestigation that I did NOT authorize. I never requested an reinvestigation. I will have to take further legal action if they do not provide me with what I need. RESOLUTION : REMOVE PERSISTENT DISPUTE REMARKS AND STOP UNAUTHORIZED CREDIT INVESTIGATION IMMEDIATELY.

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 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit reporting agencies will eliminate the reporting of debts that did not arise from a contract or agreement by the consumer to pay, such as tickets or fines, '' XXXX director XXXX XXXX XXXX wrote. " Experian has already submitted a cease and desist notification to XXXX for all credit reporting transactions listed as unacceptable data ... Examples include, but are not limited to : towing charges, vehicle storage fees, parking and traffic tickets/fines, toll road fines/fees. '' In XXXX, the XXXX credit reporting agencies informed debt collectors like XXXX that they were to stop sending notices of unpaid red light camera citations by XXXX XXXX, 2016. 

" Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, library fees or fines, parking tickets, speeding tickets, and court fees or fines. '' Motorists with existing red light camera, speed camera or parking ticket debt on their credit report can expect that their records will be cleared. Under the legal settlement, consumers have new rights to dispute incorrect items on their report. 

I have XXXX paid parking tickets on my experience credit report that should be removed.

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 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 've recently obtained a copy of my credit report from your agency, and found the following error on my credit report in the name of XXXX and XXXX XXXX ( Judgement ) Please note that before making this request, I sent letters to the organizations responsible to determine their validity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX XXXX XXXX XXXX. 

I 'm reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days. Please send me a copy of my updated credit report to the address listed above following the completion of your investigation. 
Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX of this year I had gone online to buy a plane ticket. In order for me to get the maximum discount of {$100.00} dollars the company, Spirit Airlines, said that I would have to apply for a credit card through Bank of America. I went through the procedure, but lo and behold, after I had gotten the ticket, the discount was n't applied. I contacted the airlines and told them that they did n't add the additional discount and they told me that that was too bad, and then I told them if that 's the case then I am canceling my flight order. They told me that was n't possible, and I said if you do n't honor an agreement, then the agreement is null and void. They told me that the flight was non refundable and so then I contacted Bank of America the same day, and told them that I was canceling the credit card and it 's order. The said it would be under review and I did n't hear anything about it until XXXX XXXX of this same year. Bank of America told me that Spirit Airlines had filed for compensation and that they, Bank of America, felt obligated to honor their request.

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 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello My name is XXXX I have sent 3 certified letters the first one was for Identify theft, the second one was for Experian to have unauthorized inquires removed from my credit report. someone keeps apply for credit cards and credit and Experian are not doing anything about it, they told me to contact the companies who pulled my credit and I have but they tell me to contact the credit bureaus. My credit is very important to me and I have tried many times calling them and sending dispute letter and they do nothing to protect me. I need must of this inquires remove this is why I have a fraud alert. If I need credit I will contact the companies myself. Please help me with this issue, I do n't know what else to do. thank you very much

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 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have contacted Experian regarding an inaccurate bankruptcy chapter XXXX on my credit file that is reporting inaccurately. I have contacted bankruptcy court. 
Experian has not contacted the court yet experian has verified this injurious tradeline. 
I have disputed the bankruiptcy and have sent XXXX method of verifications article numbers ; 1 ) XXXX ( Date XXXX/XXXX/2016 ) 2 ) XXXX ( Date XXXX/XXXX/2016 ) 3 ) XXXX ( 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