vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Here is a summary from Experian where they continued to leave their error unresolved. 
They report that I have a delinquent account and yet they see that all accounts have been of the following. 
1 ) Paid, Closed/Never late 2 ) Open / Never late 3 ) Transferred, closed / Never late Yet in Experian 's page one of payment history, they incorrectly and fraudulently show 95 % on-time payments and on page two of their report, they register one account with late payments. The problem is that this is INCORRECT. In all the accounts that they list for me, they have nothing that shows a late payment or delinquency. And Yet, they have this delinquency flag showing something other than 100 % on time payments. 

This error is causing my XXXX  score by Experian to be wrong, They list XXXX whereas XXXX and XXXX both report 100 % payment history, less than 5 % utilization, and XXXX scores of over XXXX. Experian is Wrong and have NOT been able to resolve this issue for the past 3 years!! 

I have been on the phone with Experian for well over 6 hours this week alone and countless Hours trying to FIX this. I have provided over 30 pages of documentation and even credit risk advisory to help them resolve this that falls on deaf ears and Experian staff that do not help. 

Listed below is some of the correspondence that I am trying to resolve to provide the correct XXXX  score!! 

Thank you for contacting us regarding your Experian XXXX XXXX membership. We apologize for the delayed response. This email is in regards to ticket # XXXX that was submitted concerning issues you were experiencing with your credit report. 


Our technical department has determined that there is no error regarding your Score Factors. If it appears that there may be a derogatory indicator on your Experian credit report through the Experian Credit Bureau, please contact the Experian Disputes Center at ( XXXX ) XXXX at your earliest convenience to request a hard copy of your report to locate and confirm the derogatory information. 

NO ONE at Experian seems to be able to help resolve this Issue!

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 2022-01-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Driver Holdings, LLC
State: FL

Complaint narrative:
This is a company called Driver Solutions Inc. They are a company that sponsors XXXX students to get loans to complete XXXX XXXX. 

I was making payments on my loan while I was working. I no longer have a job and I am struggling to keep a roof over my head and food on the table. They have been made aware that I do not have employment and I can not afford to make payments. 

They still want a loan payment no matter what. 

Part of the reason that I can not get a job is that the first company I drove for called XXXX XXXX won't answer the phone for prospective employers to verify that I worked there. XXXX XXXX is the company that linked me to Driver Solutions. Thus leaving me without a job and harassing phone calls. 

They repeatedly call me ALL DAY LONG. They leave voice-mail after voice-mail after voice-mail... .and now They have started calling the emergency contact numbers from my file. So not only are they calling me multiple times a day but now they are calling my emergency contacts multiple times a day. 

My emergency contacts are listed in case of AN EMERGENCY. I've gotten several panic phone calls with people wanting to know if I am ok because these people keep calling them. 

This is harassment for money. It's stressful enough not knowing where my next meal is coming from but now this company harassing me about money I can't give them. I can't give them money because I can't get a driving job due to their co-company not answering the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Everyday since XX/XX/2021 I have been called over 4 times a day by Midland Credit. The calls begin promptly at XXXX when I am taking my child to school to continue through out the day. I have blocked them every time but they spoof their number and keep getting through. I have asked them to no longer contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: WI

Complaint narrative:
I received two notices from XXXX XXXX XXXX that it was attempting to collect a debt on outstanding medical expenses. According to the notices, I was given until XX/XX/2022 to dispute the debt. Today, XX/XX/2022, I called XXXX XXXX XXXX to pay the bill. The woman I spoke with at XXXX XXXX XXXX referred me to Americollect XXXX Inc. and gave me a telephone number for them. I called Americollect and spoke with a woman who took my background information ( i.e., name, address, etc. ). This woman told me I had two outstanding accounts in the total amount of {$780.00}. The woman said she'd get someone on the phone to take the payment. I then spoke with another woman, who identified herself as XXXX. XXXX took the same background information. XXXX confirmed there were two outstanding bills. She said the outstanding amount was approximately {$1200.00}. I said I'm not paying that ; I'm only paying the {$780.00}. I asked where the total came from. XXXX said it was " legal costs. '' I said what do you mean? She said " didn't you get a summons and complaint in the mail? '' I said no I had not, and, furthermore, my notices gave me until XX/XX/2022 to dispute the bill. I told her that I thought she was in violation of the fair debt and collection practices act. She said she'd need to check with someone else. I was on hold then for about 7 minutes. XXXX came back on the phone and said she checked with " legal counsel '' and the balance was {$780.00}. At that point, I asked her to repeat what amount she originally had asked me to pay. She refused to answer this question. Instead, she responded, in an irritated tone, " Do you want to pay the bill or not? '' I then paid {$780.00} by credit card. I asked how will I be compensated for the FDCPA violations. XXXX said she'd need to get a supervisor on the phone. After a 10 minute wait on hold ( only interrupted by XXXX saying " someone will be with you shortly '' ), I spoke with XXXX, who identified herself as a " coach/leader. '' I told XXXX to preserve the recording. XXXX said they record all the phone calls. I explained my situation to XXXX and told her they were in violation of the FDCPA. She said do you want to make a complaint. I said I am right now. I also said I am considering legal action. XXXX asked " who is my attorney? '' I responded I am an attorney. I then gave her the name and address of my law firm. XXXX promised that their legal counsel would be in contact with me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear CapitalOne Tech Support, I have not been receiving any account status emails such as statements, alerts, and notices for all 3 of my CapitalOne accounts since XX/XX/2020. I often verify the email is in fact working and receiving from other sources, yet it is not working for CapitalOne for some reason. Before fixing the issue, it is important that you first verify it is not working. I will give you access to my email to help you debug and resolve the issue on your end, for it does receive emails from other sources. I will work around your schedule and assist you in every way possible. Please call me at the cell number listed in my account. 

Thank you very much XXXX XXXX Accounts ending in : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ALLY FINCL XXXX Balance : {$5200.00} ALLY FINCL XXXX Balance : {$36000.00}

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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not give Transunion Permissible purpose to furnish any information on my credit file. Pursuant to the Fair Credit Reporting Act 15 USC 1681b - Permissible purposes of consumer reports. ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give permission as the " consumer '' Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( c ). Violation of my consumer file is a violation of the Fair Credit Reporting Act 15 USC 1681n ( 1 ) ( A ) civil liability for damages sustain by the consumer not less than {$100.00} and no more than {$1000.00}.

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 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
I paid XXXX thru Venmo to an individual for a place to rent. The place was advertised on XXXX. I now know the individual should have registered as a business account. Venmo needs to do more to verify the accounts they allow to use their services. The individuals name is XXXX XXXX. He had me make the payments to XXXX. XXXX XXXX email address is XXXX. I moved to AK with the intent of moving into XXXX XXXX XXXX XXXX. I had verified XXXX XXXX owned the property thru the XXXX XXXX website. Upon arriving in AK, I went to the residence. XXXX XXXX doesnt own the property and someone else lives there. I am in desperate need to get my money back, to be able to find a different place to rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TX

Complaint narrative:
Hi, I mailed out a letter to Experian regarding my credit report. I have requested for validation and for them to provide me with original contracts of the accounts I wanted investigated. I sent out my first letter XX/XX/2021, they acknowledged my letter was received on XX/XX/2021. They never sent anything that I requested instead the updated the accounts. I sent a follow up letter on XXXX XXXX requesting their method of verification. They acknowledged that they received my letters on XX/XX/XXXX and on XX/XX/XXXX, they sent me an email stating my disputes were complete. They did not provide me with what I requested and they resolved my dispute in only a few days, how could they have verified in such short notice. Would you be able to help me

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 2022-01-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Our loan was sold to PHH Mortgage and they not releasing my escrow for taxes that they collecting nor they releasing money for insurance we already paid for a full year PHH Mortgage # XXXX PHH Mortgage XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX www.phhmortgage.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed multiple addresses and other false or in accurate information on my credit report With Experian to the point where they won't let me file a dispute using the app anymore on those particular items. A caption that comes up every time It says a certain account is still reporting but if I tell them it isn't my account then why are they even letting it report? I did some disputes for Experian XXXX XXXX through the mail and both same results no luck with any of it. There is a lot of errors and inaccurate information on my credit report which is a total violation of the FCRP act. So I sent in a personal information update letter with my Current Personal Information. All was done was the added my new information with the inaccurate information that I've been trying to get off for the last 3 years or more. I filed a Identity Theft report and they still haven't removed any of the fraud or inaccuracies off my credit report and they fail to physically verify them also and will not delete them. Which is also a violation FCRP Act. They have no regard for the individuals whose information they make money off even if its wrong and it does slander the individual whose name is on the Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been in contact with XXXX XXXX of Consumer Affairs, spoke to a supervisor name XXXX XXXX. I have submitted a police report and an identity theft report regarding the account for JPMCB, and XXXX XXXX, which is still reporting. I have filed a lawsuit, and nothing has happened with this account. It was settled, and still no removal of an account I did not authorize. My desired outcome is for these items to be removed in my favor. 
I have sent documents already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Our mortgage servicer, Shellpoint Mortgage has overpaid our property tax bill and owes us {$15000.00}. 

We live in XXXX XXXX county, and property taxes are due in two installments : XXXX and XXXX. We purchased our house this year, so there's a big increase in the property tax amount since last year ( the prior owner owned the house for 40+ years, so taxes had not been reassessed for a long time. ) We received two tax bills due XX/XX/XXXX to XXXX XXXX County : {$700.00}, and a supplemental of {$7600.00}. 
I asked Shellpoint Mortgage Servicing if they would pay both the initial and supplemental bills. On XX/XX/XXXX, Shellpoint Mortgage Servicing advised us via email that they would NOT pay our supplemental tax bill of and that customers need to pay this on their own. I paid the difference of {$7600.00} to XXXX XXXX from my personal checking account on XX/XX/XXXX. 
On XX/XX/XXXX, Shellpoint withdrew {$7600.00} from our escrow account, they ALSO withdrew an additional {$8300.00}, for the XX/XX/XXXX tax bill. As of XX/XX/XXXX, XXXX XXXX County has NOT received any of this money. 
This overdrew our Escrow account, and they're attempting to raise our monthly payment by {$1000.00} in order to compensate the negative escrow balance they've created. I've called Shellpoint many times, including on XX/XX/XXXX, where I spoke with XXXX, XX/XX/XXXX where I spoke with XXXX XXXX, and XX/XX/XXXX where I spoke to XXXX in the tax department, and received different answers each time. Shellpoint needs to reimburse us the {$15000.00} they've taken from us. To further complicate matters, we are in the middle of refinancing our mortgage, so we've had to increase the loan payoff amount to cover a negative escrow balance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION
State: ME

Complaint narrative:
On XX/XX/2021 I notified navy federal credit union in writing to only contact me by mail. I notified them through their messaging system and received a reply to other portions of my written request. Since that time I have received over XXXX calls and voice messages from them including multiple calls per day at times. This is a violation of my rights and has impacted my daily life in a negative manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 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: TN

Complaint narrative:
There is an account reporting for a collection/chargeoff that does not belong to me. I have sent numerous letters to all three credit bureaus to investigate this account and all they do is say it's been verified with no dispute results or proof that the collection was validated. I know it couldn't have been validated because this account does not belong to me!!! 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # 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 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
A collection agency under the name XXXX XXXX  APPEARS ON my credit report and is trying to collect an amount of {$83.00} that I do not recall to had with them. Also I dont have any contract or agreement with this Company " XXXX XXXX '' and I DO NOT own them any thing... I never gave this company none of my personal Information as SSN, Names, Adress and Phone number and they are not autorize to use them. A FEW MONTHS AGO ANOTHER COMPANY UNDER THE NAME XXXX XXXX TRIED TO COLLECT THE SAME AMOUNT AND AFTER MY CLAIM AGAINST THEM THEY DELETED THIS ACCOUNT FROM ALL OF MY CREDIT REPORTS DUE TO THE FACT THEY COULDN'T PROVIDE ME WITH ANY SIGNED DOCUMENTATION AS CONTRACT OR AGREEMENT BETWEEN ME AND THEM. ( PREVIOUS CLIAM NUMBER XXXX ) XXXX, XXXX AND EQUIFAX ARE GOOD AWARE OF THIS ILLEGAL PRACTICE FROM THIS KIND OF COMPANIES AND THEY ARE STILL ALLOWING THIS KIND OF COMPANIES TO PUT ERRONEOUS INFORMATION ON MY CREDIT REPORT WITH OUT ANY VALID DOCUMENTATIONS I REQUEST THAT CREDIT TOLL BE REMOVE IMMEDIATELY FROM MY CREDIT REPORT, THAT THEY SEND ME ANY SIGNED DOCUMENTATION AS A CONTRACT OR AGREEMENT BETWEEN ME AND THEM AND THAT THEY SEND ME IMMEDIATELY THE RECIPE THAT SHOWS FOR HOW MUCH THE BOUGH THIS ACCOUNT FROM XXXX OR XXXX XXXX .... XXXX  XXXX IS USING XXXX HAVE ALL MY PERSONAL AND CONFIDENTIAL INFORMATION WITH OUT MY CONSENT IF IN 5 BUSINESS DAY THIS ACCOUNT IS STILL ON MY CREDIT REPORT I WILL FILE A LAWSUIT IN MY SMALL CLAIM COURT DISTRICT AGAINST XXXX XXXX  AND ALL THE REPORTING AGENCIES

Company response to consumer: Closed with explanation