vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried multiple times to dispute fraudulent and incorrect information on my report with Experian. Experian claims to never receive the documentation I mail to them, and denies all responsibility for investigating- claiming they need documents. They have started refusing to investigate disputes- which is a violation of my TX state and federal rights as a consumer. I have plenty of documentation to support my identity theft and that these accounts do not belong to me! 

I have called on multiple occasions and spoke with customer service, only to be told they no longer use fax, and to upload the documents online. Yet, Experian has locked me out of the ability to view or dispute information on my report online, and has also locked me out of the online document upload function. 

I am an identity theft victim, and have piles of documents to justify deletion and/or correction on the accounts I have been attempting to dispute. Experian is the only bureau that has repeatedly blocked me or locked me out from being able to dispute. I have not encountered this level of difficulty with ANY OTHER BUREAU! 

Again, I HAVE DOCUMENTATION TO SUPPORT MY DISPUTES. So much so, that even the original creditors have begun sending me letters explaining in detail that accounts had been opened fraudulently! Experian refuses to accept any of it, and claims to continue " losing '' or " not receiving '' my certified letters. If I ca n't reliably send this in my mail, how am i supposed to dispute this?? Experian has locked me out of every available option after I called explaining my trouble with this to customer service!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have derogatory mark on my file from XXXX XXXX. I called and got a pay off amount a good while ago and paid it off and suddenly they say I owe $ $ XXXX-If I were paying them off why would I not pay {$2300.00}? This is an error and I want it removed from all XXXX credit bureaus as paid in full. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08 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 tried to get my free report today. I could n't remember if I had opened up a new credit card in 2011, so they said I could n't verify my identity. I tried again tonight and was denied access this time they claimed I had already accessed all XXXX and they wanted me to pay {$9.00} for each. When I tried to complain on the site 's complaint form it kept rejecting it saying my typed paragraph was invalid. I was just given the run around unless I wanted to pay money. Very misleading & disappointing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have send XXXX different disputes to Experian Credit Bureau about inaccurate information on my credit report. I sent the disputes certified mail w/ return receipts. I included XXXX forms of ID with my current home address. Each time, Experian sent me a response letter that said they would n't honor the disputes, because the request was suspicions, then they would say that I did n't send ID documents, which I did send. Then I got another suspicious request response. When I called Experian on XXXX/XXXX/2015 I was told that a manager would call me back within XXXX hours to discuss this matter. I have not received a call back. They have seriously violated the Fair Credit Reporting Act and made it so I might not get the promotion at my job. 
The accounts reporting are XXXX, when I call XXXX, they tell me that they already sent requests to Experian to delete the information from my credit report. But Experian claims they do n't see the request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2016 I received the results of my investigation. XXXX is updating invofation that does not belong to me consistently on my credit report. I notified them that I wam the victim of ID theft, and they have not provided me the results of how they verified my information. The other bureaus, XXXX and XXXX are reporting my information correctly and XXXX is choosing not to.

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 2015-06-11 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:
Around XXXX 2014 I applied for a loan with XXXX XXXX XXXX XXXX ( XXXX ). Unbeknownst to me over the next few months ( XXXX ) continued to request copies of my credit reports from the XXXX major credit reporting agencies through XXXX. Some of the request were days apart. Once I found out about the excessive credit inquiries I requested the credit reporting agencies to delete them. I also asked XXXX to have them deleted with negative results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01 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: MN

Complaint narrative:
I have just discovered that I am a victim of identity theft / fraud. I have been trying to request a free copy of my credit report from Experian through annualcreditreport.com. After inputting my info on the first screen, then selecting Experian on the 2nd screen and submitting it, my browser advanced to https : //www.experian.com/ncaconline/acr, but it then sat there for over 45 minutes, with nothing loading on the screen. I exited, then re-started the process from scratch, and the same thing happened. ( I am using the latest version of XXXX, as my browser, which is compatible per the web site. ) The annualcreditreport web site says to contact the credit agency directly regarding any problems/issues -- and I could not find any " troubleshooting '' info available on annualcreditreport either. So, I went to Experian 's own web site, looking for some kind of an on-line chat function, consumer XXXX number, or a consumer troubleshooting section -- but could find nothing. I am concerned that Experian is perhaps throttling requests that come through annualcredit reports.com or something -- as a means for consumers to get frustrated and simply pay for a report instead through their private web site --? I need to get my credit report asap, as my bank account has been raided, my credit cards have been used fraudulantly, and I am aware of credit cards being opened fraudulantly in my name. However, I am not able to get such from Experian!!!

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 2017-02-24 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: CA

Complaint narrative:
I 'm XXXX now and I 'm trying to get my free credit report and I keep getting my information does n't match my record?

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 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
Experian stated via phone conversation they would not dispute nor would they explain/provide any info to assist in the matter of XXXX accounts. The account for " XXXX '' is unfamiliar to me and I know nothing of them or a debt owed and want proof of debt and dates, etc or I demand it be removed immediately. XXXX and XXXX have both removed it but Experian refuses to investigate. The XXXX account for " XXXX '' is reflecting incorrect information. The " DATE OPENED '', " BALANCE '', " PAYMENT STATUS '' etc. No balance is owed to them, there is no late payment and its much older than the re-aged lie that it reflects on Experian. Please hold EXPERIAN accountable to correct these issue immediately. Perhaps both accounts should be removed. Experian is my issue here! I would like to see the justice here in reporting true and accurate info as well as due diligence in an honest attempt to collect facts and protect the consumer rather than damaging my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Several accounts on my credit report have been paid off and its not being reflected on my credit report. my scores are not reflecting my positive credit status.

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 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a call, and my oldest daughter got a call on her work phone as well, stating that I owe a balance to this company and that they were going to report negatively on my credit report. I was told that if If I were to pay the amount in full, the Debt collector will remove the derogatory remark off my credit report. I asked what this debt was for and they said that they could n't give me any information on that. I asked if there was any way of contacting the original debtor and they said they could not help me. The only response i was getting is if I were to pay the amount in full I would ultimately get it removed from my credit and or I would set up payments to fulfill the amount. I am not sure who this debt is from, the collections agency sounds like it is a cellphone, they keep calling my cell and my daughters work phone number AND I do not know what this collection is for ...

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 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My problem is with Experian. They continue to show me in collections for a XXXX $ medical bill that was paid in full by insurance. The other credit bureaus have removed this mistake made by XXXX XXXX in XXXX XXXX. XXXX ) They also show a late payment for a vehicle that was paid in full. Payment was made to XXXX XXXX for over XXXX on a lease purchase. This was not an issue with other credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Capio Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; was disputed with another collection company by the name Capio Partners for {$360.00} ) on XX/XX/XXXX and deleted because it was identity theft, after sending them all the paper work I was told by the GM that my information was not on file, I have proof of the fax and they should have proof of the phone by law! this should be a illegal collection act! AND I WAS NOT CONTACTED BY THIS COMPANY I HAD NO IDEAL ABOUT THIS DEPT, THAT THEY PLACE FOR COLLECTION THAT WAS WRONG!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: United Revenue Corporation
State: TX

Complaint narrative:
I do not believe I am liable for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have no recollection of this collection. UNITED REVENUE CORP. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
WENT TO CASH IN A 12 MONTH CD AND WAS TOLD THE GRACE PERIOD HAD EXPIRED. I WAS STILL WITHIN 10 BUSINESS DAYS FROM THE MATURITY DATE BUT THEY CHARGED ME A {$120.00} PENALTY ANYWAY. I TRIED TO CASH IT IN ON XX/XX/XXXX BUT THEY WERE CLOSED WHEN I ARRIVED AND THEY WERE ALSO CLOSED ON XX/XX/XXXX SO I CASHED IT IN ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Diverse Funding Associates LLC
State: AZ

Complaint narrative:
My account with XXXX XXXX was given to C & E Acquisitions the company transferred the file to XXXX XXXX XXXX, it turns out after they are not licensed in AZ, while the file was in their possession, they pulled my credit without authorization. XXXX XXXX XXXX threaten on several occasions to take legal actions. So I have filed a complaint with AZDFI over not being licensed. I have requested license information and accounting of the account to ensure that my rights were in fact protected under the SCRA. I was activated XXXX times during the time in which I had the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
LOANCARE, XXXX. XXXX XXXX, XXXX, VA is an absolute nightmare to work with. My home loan was sold from XXXX to this company and the experience has been absolutely terrible. I have never had an issue before contacting XXXX either by phone or online and have had zero issues with that company or making my home loan payment. 
I can not say the same for LOANCARE. I have not been able to contact them by phone or any other method in order to establish payment or create an online account with them to pay or check my account. This company is an absolute nightmare and the problem is compounded as I am at their mercy since these loans are bought and sold at whim it seams.

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 2015-07-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I signed up for a credit card with XXXX XXXX Bank in XXXX XXXX, Florida. They apparently collaborated with BBVA Compass to issue cards for them. I pay my bills online through my XXXX XXXX Bank checking account. Most of my bills are paid electronically except for the BBVA Compass XXXX which would not accept electronic payments ( seriously? ). I would schedule the payments 5-7 days before the due date but would always end up with a late charge of {$23.00} and a finance charge ( I pay off my balances every month ). When I would look at my XXXX XXXX Bank transactions it would show the checks sent on time but for some reason Compass Bank would not " receive '' the payment until the day after the bill was due. I would call every month and complain about the late charge and finance charge and every month they would graciously reverse the late charge but would not reverse the finance charge. I believe XXXX XXXX Bank was scammed by BBVA Compass with no electronic payments and unfounded fees to their customers. XXXX XXXX Bank ended their relationship with BBVA Compass Bank for credit cards ( effective XXXX XXXX, 2015 ). As this was a cash rewards card I called BBVA Compass about my cash rewards balance being applied to my final statement but was told this was only credited on the anniversary date of the card, which in my case, is XXXX. So it looks like I was scammed with finance charges and now lost cash rewards! I am only one person and I know I am not the only one who was caught up in this scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Frederick J. Hanna & Associates, P.C. (closed)

Complaint narrative:
For several months I have been trying to get XXXX to have XXXX XXXX XXXX to send me a receipt showing it applied {$11000.00} to and status of the credit card account that shows on my credit report that XXXX charged off in 2009. XXXX refuses to address my request. I have a copy of the check when it was deposited in XXXX account. I request that I get this receipt with the account number off of the credit sent to me from XXXX XXXX XXXX or XXXX as an attachment to an email. My email address is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
This item [COMPASS BK XXXXAUTOMOBILE INSTALLMENT ACCOUNT] is erroneous and fraudulent since I never authorized, co-authorized, nor consented to this particular auto loan in the past. I am requesting that the item be removed to correct the information. I have highlighted the items that necessitate rectification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
For XXXX and XXXX charges was charged XXXX dollars in over draft charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Since I got my permanent resident status, I am banking with BBVA Compass. My relation with the bank is under two years. 

Recently closed my office and immediately asked BBVA to stop payment monthly rent, to the owner of property, I made a stop payment request on XXXX/XXXX/2016, and again on XXXX/XXXX/2016. 

Due to some password issue, I visited bank branch on XXXX/XXXX/2016 and enquire about balance, which was in positive. If on XXXX/XXXX/2016 branch manager showed me positive balance. 

BBVA on backdate made payment of rent, ignoring my online request for stop payment and charge certain amount as overdraft protection. 

Since there was positive balance so I made deposits on my XXXX credit cards, resulting bank made payment and exercise overdraft protection twice as XXXX transfers. 

Now BBVA instead admitting the mistake of over sight of stop payment request, pull more money and negative balance increase. 

I want to close my XXXX accounts of BBVA and wanted them to adjusted unnecessary pulled out money and refund wrongly made payment of rent. 

They blocked my online account access. 

There is no customer service telephone is answered, only getting the message " ALL AGENTS ARE BUSY '' and phone hang-up. 

Wanted to file complainant through corporate website, but getting this message " We 're sorry, the page you requested was n't found '' When visited online chat services I am getting this message " your request has been forwarded and you will be assisted in a few moments ''. Moments they mean over one and half hours. 

CFPB is humbly requested to intervene and help me to close my account and asked BBVA to issue clearnce letter once matter is resolve.

Company response to consumer: Closed with monetary relief