vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My complaint has everything to do with Experian.com. Unfortunately, I do not have any dates ( over 4 to 6 months ) of me attempting many times to gain access and or verify my identification for them. 
The issue began when I was attempting to refinance my car as well as acquire a personal loan. Well, when the bank institutions needed to see all 3 credit bureau files, only 2 of them complied. I was told that Experian was not cooperating as if I placed a credit freeze on my account ( which I had not ). 
So, this problem began when I attempted to gain access to my own credit report with Experian. From what I gathered, Experian has had several data breaches over the years which forced them to tighten their security. Unfortunately, these breaches have made it impossible for me to gain access as well. I tried several times on my cell phone to create an account along with a password. Then, I needed to upload my identification. Immediately, afterward, I get an error message stating, " try back later '' or " system is down ''. I tried at least over 10 times to no avail. I called probably more than 20 times to Experian for assistance. However, the automated phone system doesn't give you the option to speak to a representative because it asks you ( the consumer ) limited questions that don't describe the problem. 
After about the 14 calls to Experian, somehow a representative took my call. This representative had language barriers. It was obvious she was from an XXXX country based upon her accent. Apparently, I challenged the REP because she had to place me on hold to seek more information from a supervisor to assist me. 
The REP stated, they were going to delete my account and that I create a brand new account using a desktop or laptop computer rather than my cell phone through XXXX XXXX browser. Of course, I wanted to attempt these instructions while I had the REP on the phone. Unfortunately, I was told, I could not attempt until 2 or 3 days later ( I'm guessing the system needed to reset my account ). 
After 3 days, I attempted to follow the instructions and the system stated, " error, try back later '' or " system is down '' all over again. Of course, I was going crazy because all I wanted is to give the banks authorization to access my Experian Credit Report. I don't really need to see my report. This has to be one of the most frustrating problems I have ever encountered.

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 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rauch-Milliken International, Inc.
State: IL

Complaint narrative:
I have been making payments on an account with Rauch Milliken for a debt that was originally {$300.00}. When I call to make payments representative XXXX ( female ) told me I owe various amounts than I actually owe. This prompted me to ask for her to send me my account balance in writing, via email or mail. She told me we dont do that. I can only send you a receipt on the amount you paid today. When I threatened to research regulations on debt collecting practices, she told me she would send me an email with my account balance. She never sent it. 
This makes me very uncomfortable. It isnt transparent or fair practice.Ive sent two payments and I just want proof of progress on this. Her refusing to do such a simple task is scary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had a credit card with American Express. 

I was slowly paying back the debt on every paycheck. One day the stopped collecting payments and sold my account to another company. 

However they continue to post the total amount from when I began paying them back. I have contacted AMEX and they no longer hold that account. 

It continues to show on my credit since and theres no way for me to remove it or settle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
My Carrington Mortgage account was opened on XX/XX/XXXX. I have a VA loan and no escrow account is required. Since the account has been opened, I paid my insurance and taxes out of my own pocket. On XX/XX/XXXX, without my knowledge, Carrington Mortgage set up an escrow account and paid my taxes. I had already paid my taxes on XX/XX/XXXX. I did not send anything in writing to Carrington Mortgage authorizing them to set up an escrow account for taxes however someone in their escrow department looked up my information on the XXXX XXXX website and took the liberty of setting up the escrow account. Now I have a negative balance in the escrow account which has influenced my monthly mortgage payment. I shouldn't have an escrow account in the first place. When I asked Carrington Mortgage who created an escrow account ; they couldnt tell me who wrote to them to have the escrow account opened. My credit card limits were cut, accounts closed during COVID-19 pandemic and I have been a victim of identity theft. I never called in during the COVID situation and asked for any assistance on my home loans so I don't know why my account is being tampered with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This happened for two credit cards were I called went to bank asking for statements because my mom is now staying at home and she is working for me. XXXX XXXX and XXXX both did not send me statements as asked. Ima business man and my mother moved and as I stated she started taking care of all my billing. I went to bank spoke to them how I wanted paper statements. And explained to why I needed statements as I did for my XXXX XXXX. As you can see if you look up my file I never was ever late in 8 years of my oldest account. Please help get the late payments off 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 non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This happened for two credit cards were I called went to bank asking for statements because my mom is now staying at home and she is working for me. Pnc bank and XXXX both did not send me statements as asked. Ima business man and my mother moved and as I stated she started taking care of all my billing. I went to bank spoke to them how I wanted paper statements. And explained to why I needed statements as I did for my XXXX XXXX. As you can see if you look up my file I never was ever late in 8 years of my oldest account. Please help get the late payments off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX  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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
As of XXXX XXXX, 2021 my credit report says Dispute resolved consumer disagrees Ive never received any update or letter stating that the dispute has been resolved. 
This has been over 115 days since I started the dispute. Chase has broken the law and I want this off my credit report and my account credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery Associates ( PRA ) issued a wage garnishment through XXXX XXXX XXXX for {$1200.00}. This was paid to XXXX XXXX XXXX on XX/XX/2021 via wire transfer and was acknowledged as paid in full by both XXXX XXXX XXXX and PRA. On XX/XX/2021, PRA sent me a letter stating that there was a balance due on the account. I contacted them and spoke with XXXX, who stated that the account was paid in full. After filing a dispute with the credit bureaus due to the information being inaccurately reported, PRA issued me a statement on XX/XX/2021, claiming that I still had a balance on the account in question for {$22.00}. I contacted PRA once more, spoke with XXXX, and she stated that the account shows as paid in full, but until I paid the {$22.00}, they would continue to issue a statement showing the balance. On XX/XX/2021, I received a letter stating once more that the account was paid in full, and that the balance is {$0.00}. Now once again, on XX/XX/2021, I received another statement from PRA claiming that there is a {$22.00} balance on the account. When I called PRA, and spoke with XXXX XXXX? ), and explained that I have communication stating that the account is paid in full. She stated to me that " unless I paid the balance they sent me, they will continue to contact me on the matter ''. When I explained that I have several letters dated from XXXX and XXXX that state the balance is paid in full, she proceeded to tell me that I " need to just pay the XXXX money the system says I owe ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The Dept of Education has 8 late payments listed on my credit report. During this period I was contesting the amount owed with DEPT of ED. The amount owed listed on my credit report is not the payment balance I am mailed each month. The amount is still incorrect and so are the late payments. These late payments listed are violations of FRCA.

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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect account name for this account ( XXXX XXXX XXXX  XXXX ) Because the account name being reported by your company and XXXX are different ( XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ) and XXXX is XXXX a different name ( XXXX XXXX XXXX XXXX ), this means the account has not been properly verified. Please delete this account immediately. 
Please remove ANY other information you are currently reporting as they are NOT accurate. Pursuant to Sec 602 ( a ) Accuracy and fairness of credit reporting 100 % accurate. Sec 602 ( b ) It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 
Violations of this subchapter Sec 616 ( a ) ( 1 ) ( A ) Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Any person who willfully fails to comply with any require- ment imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} for each violation. Sec 616 ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Whom It May Concern, I have sent multiple dispute letters in regards to the following unauthorized Hard inquiries found on my credit report. These are fraudulent and need to be removed from my credit report. According to FCRA these should be removed As soon as possible. 
Equifax XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX  XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I'm a first-time home buyer this year. I discovered PHH Mortgage used my escrow account to pay someone else 's property taxes for XXXX, instead of mine. I contacted PHH on XXXX. The customer service agent said she would submit an inquiry to their tax department. I never heard anything. I called back a week later on XX/XX/XXXX, and no one knew what I was talking about, it was as if I'd never called them. I asked to speak to an escalation manager named XXXX. She assured me she'd get the correction process in motion. Didn't hear anything back. I called her extension on XX/XX/XXXX and also XX/XX/XXXX, but her mail box was full. On XX/XX/XXXX I asked to speak to a different escalation manager named XXXX. I explained everything yet again, from the beginning. He promised I would hear from him on XX/XX/XXXX, which I never did. On XX/XX/XXXX, I called my contact at XXXX XXXX XXXX, I had given to PHH, to see had they heard from PHH? Nothing! The tax office had still never been contacted by PHH. This is gross financial negligence of my escrow account. They have given my money to someone else, a stranger, in error, and have no sense of urgency about correcting it. My taxes were due in XXXX, yet are left unpaid! PHH has known about this now for 13 business days and done nothing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
My mom bought this mobile home we stay in around XXXX of XXXX payed XXXX down. The house she ordered was in process of being built, for what ever reason they brought out the present home where in now with the cheapest everything saying the house she want would cost more after buying. This present home we are in had embalming fluid warnings, my mom had XXXX and died from XXXX XX/XX/XXXX. The company XXXX XXXXXXXX XXXX, Tx and XXXX XXXX XXXX, Tx and 21st Mortgage out of XXXX, TN. XXXX called me nearly every day for 3 months about house payments and offered me XXXX to just walk away from the loan my mom had. This house wasn't even anchored down right failing inspection. I feel like they're responsible for my mom 's death knowing her XXXX with embalming crud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: GA

Complaint narrative:
I entered in a consumer credit transaction with CarMax on XX/XX/2017. Your company has been harassing me ever since that day, and at this point I am DEMANDING an end to this. Your company is in violation of SEVERAL laws which I have outlined on my letter that your home office received XXXX XXXX. Your company violates 15 USC 1605 which states that all charges must be included in the " finance charge '' in all consumer credit transactions. In addition, according to 15 USC 1662 down payments are illegal and subject to violation. 

18 U.S. Code 8 - Obligation or other security of the United States defined - I do not OWN this " alleged debt ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the XXXX credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The Dept of Education has 8 late payments listed on my credit report. During this period I was contesting the amount owed with DEPT of ED. The amount owed listed on my credit report is not the payment balance I am mailed each month. The amount is still incorrect and so are the late payments. These late payments listed are violations of FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The Dept of Education has 8 late payments listed on my credit report. During this period I was contesting the amount owed with DEPT of ED. The amount owed listed on my credit report is not the payment balance I am mailed each month. The amount is still incorrect and so are the late payments. These late payments listed are violations of FRCA.

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 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PAID IN FULL, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX provided a service after we moved from our home when the government shutdown in XXXX, 2018 located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX. However, we had a bill sent by the following months to that address then to collections. The bill was {$100.00} for the final service then when it went to collection was {$280.00} at PIF , Inc., Phone : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Hours M-F XXXX XXXX Paid In Full , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX I need a surgery and can not get it because of this already paid for collection for a service where we had moved out of the home due to the end of the lease as well as a federal shutdown. Please help me, I am a XXXX veteran from two wars. Thank you! 

XXXX XXXX XXXX or XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation