vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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: IA

Complaint narrative:
Equifax keeps closing disputes and does nothing. 'We hope this resolves your concerns. ' No it does not resolve my concern, over 5 years! All you do is close disputes and fix NOTHING. 

Delete the account in question, I have sent statements directly from XXXX showing you over 50 % of the payments being reported are incorrect and you continue to do nothing. I'm using all of this proof of you intentionally breaking the FCRA to hurt me. You're ignoring the obvious proof I have sent to you for over 5 years and you're doing this on purpose to hurt me. 

" Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
On XX/XX/2021, I received an escrow shortage notice from MyLoanCare which services my mortgage account. The mortgage escrow shortage was for {$1300.00} ( roughly ). I paid the amount via personal check and returned the escrow shortage slip as instructed. The payment took almost three weeks to be received. Moreover when it was received it was NOT applied as an escrow shortage but instead as a regular monthly installment. I called my mortgage serviced and they apologized and advised they would reverse the payment and apply it correctly. The representative confirmed it was an oversight in his end. Today, I look at my account again and they payment had been reversed and applied to escrow ; nonetheless the monthly installment still shows my shortage as not paid and the payment continues to show the amount that would have been due if it was not paid. This is unfair and unethical. They tell you to pay one amount and take your money ; however its sitting in limbo and not applied as advised. This is a UDAAP violation. They are collecting and keeping my funds! They need to take that amount and apply it as they advised they would. My payment should not be {$1200.00} but instead {$1100.00} as promised in the statement.

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 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XXXX/XXXX/2020, I sent a letter to Transunion about inaccurate and unverifiable items on my credit report. It has been over a month and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 30 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.

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 2021-02-09 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: CA

Complaint narrative:
I am respectfully requesting for Transunion, XXXX and XXXX  to add this positives accounts so my credit scores can improve over 600 's as my credit scores are suffering. 

1.XXXX  XXXX XXXX account # XXXX balance under $ XXXX.This is not a credit card or home loan, is a water softener purchase in 2015. 
in XXXX, Texas. 

2.XXXX XXXX account XXXX XXXX on purchase of a Laptop, this is not a credit card account. Balance is around {$640.00} as of XXXX 3.XXXX XXXX XXXX  Visa credit card account XXXX XXXX, balance as of XXXX is {$440.00} Please add this accounts immediately. 

Thank you for my accommondations of my XXXX XXXX Act under Department of Justice.I am respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Veteran. 
Urgent Matters!

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 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
My mother fell ill and I became her main caregiver, while on FMLA and short term XXXX. During this time, I was in the middle of a divorce. This became challenging to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.

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 2021-02-09 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: GA

Complaint narrative:
On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
Medicredit IncXXXX was issued a debt validation letter from me in XXXX of XXXX. They have continued to call me without sending a debt validation letter until XXXX of XXXX. They had seven months to respond but could not seemed bother to do so until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This fraudulent XXXX XXXX  account was removed from my credit in in XXXX, months after it was reported in XXXX of XXXX. As a result of identity theft, XXXX and XXXX XXXX ( third party collection agency at the time ) confirmed the account was fraudulent and deleted the account from my credit reports. 
In XXXX of XXXX XXXX sent this same account into collections again and IC SYSTEMS ( a current third party collection agency ) has reported this to my credit once again. Negatively impacting my scores with fraudulent information, XXXX and IC SYSTEMS continue to attempt to collect debt on this fraudulent account. This is against the law. If this is not resolved immediately I will be seeking legal remedies

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 2021-02-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called Experian about an account dispute. Today i received a message from Experian stating an account dispute had been opened. I logged into my account to review this information because i did not dispute any account this day. Experian would not tell me where this account originated from. All they could tell me was it was Medical. I dont owe any because any Medical treatment i ever recd is approved by my insurer to be paid in full. I had previously disputed this account several months ago and Experian removed the account since they did not verify the account within 30 days. Now this same account was able to open a dispute then put the account back on my credit report for this absurd amount. Experian could not tell me information how this investigation was done despite the email stating i could request investigation information ( see attached ). Heck they couldn't tell me anything. Please help me because this is wrong. Im sick of these scams taken advantage of people. 
Amount is {$1900.00}. 
Company is XXXX This amount is Nowhere to be found in any past billing for any facility! 
It's pretty sad that Experian, the credit keeper just allows this activity without proof. They said the collection co sent an affidavit and that was good enough for them. i asked Experian to please forward that to me and they told me No they didn't have to. 
This is pathetic how we are treated. 
And i just want to add how unreasonable and abusive Experian was to me on the phone. " I was told, " You can call us so why don't you call them '' really Experian! Why on earth would i call a scammer who just wants to scam me more. Her name was XXXX and the man i spoke with prior was worse. He basically told me to be quiet and let him finish talking. Uhm, if i need to interject regarding my personal credit report i will. He would not allow me to speak with a manager when i asked for management. Just unbelievable all around.

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 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Hi, my name is XXXX XXXX and, This third party company racked up a new debt against me after they garnished everything they never closed the debt, it was removed from my credit report also after it was paid now they are saying I Owe them a new debt of XXXX $ this is wrong they already took everything. The company is Kimball, Tirey & St.Johns LLP. Im single mother of XXXX, and Im struggling they knew this and they are taking advantage of my Situation. Please if theres any way to resolve this my email is XXXX I would like to put an end to this best for once and all. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Appearing on Experian and XXXX  is XXXX. XXXX .XXXX  account XXXX. 
The balance on this account is XXXX dollars not what is being depicted. 
Experian automatically says the dispute is frivolous and won't allow a dispute..Experian breaks the law the FCRA in this regard.

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 2021-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I do not know and have never had any business transactions with the company NATCREADJ.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.

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 2021-02-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: CA

Complaint narrative:
Appearing on XX/XX/XXXX and Equifax is XXXX XXXX XXXX account XXXX. 
The balance on this account is XXXX dollars not what is being depicted. 
XXXX  automatically says the dispute is frivolous and won't allow a dispute..XXXX breaks the law the FCRA in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.

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 2021-02-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: CA

Complaint narrative:
I am respectfully requesting for XXXX, Equifax and XXXX to add this positives accounts so my credit scores can improve over 600 's as my credit scores are suffering.

1.XXXX XXXX XXXX account # XXXX balance under $ XXXX.This is not a credit card or home loan, is a water softener purchase in 2015. 
in XXXX, Texas. 

2.XXXX  XXXX  account XXXX XXXX on purchase of a Laptop, this is not a credit card account. Balance is around {$640.00} as of XXXX 3XXXX XXXX XXXX  XXXX  credit card account XXXX XXXX, balance as of XXXX is {$440.00} Please add this accounts immediately. 

Thank you for my accommondations of my ADA Disability Act under Department of Justice.I am respectfully XXXX Lifetime and Retired and a XXXX XXXX XXXX XXXX Veteran. 
Urgent Matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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:
On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: PA

Complaint narrative:
I have no knowledge of this account, according to the FCRA this item must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
Hello. I have made several student loan payments to FedLoan Servicing that are not showing as being qualified. Many of these payments were made while being employed by two PSLF-qualifying employers between XX/XX/XXXX and XX/XX/XXXX. I submitted certification forms for these two employers to FedLoan, most recently on XX/XX/XXXX and have not yet heard back. I see that, in the time that I've been waiting for a response to my XX/XX/XXXX form submission, my qualifying payment total has increased but is not completely accurate. I see three issues : 1. When I was employed by one of the PSLF-qualifying employers, I made payments from XX/XX/XXXX through XX/XX/XXXX. This is a total of 13 payments, and none of these payments are showing as being qualified.

2. While employed by another PSLF-qualifying employer, I made payments from XX/XX/XXXX through XX/XX/XXXX. This is a total of 28 payments, but only 24 of these payments ( from XX/XX/XXXX to XX/XX/XXXX XXXX are showing as being qualified. This leaves 4 payments ( from XX/XX/XXXX through XX/XX/XXXX ) as not showing as being qualified. 
3. I have made consistent student loan payments while being employed by my current PSLF-qualifying employer from XX/XX/XXXX until present. There is 1 student loan payment ( for XX/XX/XXXX ) that is not showing as being qualified. 

These incidents total 18 payments that should be qualified and are not currently showing as such. Thank you for your attention to this.

Company response to consumer: Closed with non-monetary relief