vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 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: FL

Complaint narrative:
According to Florida law ( I have enclosed the statues that state this as attachments. ) a debt collector can not collect a debt from a Florida resident unless the debt collector is Licensed in the State of Florida. This applies to out of state collection agencies. ( Refer to attachments ) as well as in state agencies. XXXX XXXX XXXX is not licensed in the state of Florida to collect debts in Florida. The statues are very clear and can be researched further if need. Experian is allowing XXXX XXXX XXXX XXXX to try to collect and unlawful debt. This law does not apply to original creditors. Since XXXX XXXX is not the original creditor this law applies to them. I have filed a complaint with the Florida Attorney Generals office. I have also filed a complaint against XXXX  with the CA Attorney generals office for allowing XXXX XXXX XXXX to engage in illegal activity by trying to collect on a debt illegally. I filed a complaint with the GA attorney Generals office on Equifax for the same thing, I also filed a complaint with the IL Attorney Generals office against XXXX  for the same issue. Unless XXXX XXXX XXXX XXXX can produce proof that they are licensed in the state of Florida to collect a debt from a Florida resident then they are engaging in fraudulent activity and XXXX, XXXX  and Equifax are complacent in this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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:
Equifax ( EQ ) is violating my rights under the FCRA. Over the last 3 months I've disputed XXXX XXXX XXXX XXXX ( XXXX ) Business credit card listed on my report. I sent the data furnisher requests to validate the account and they have failed to provide me any details verifying the legitimacy of the the alleged account. All correspondence sent to XXXX  was sent certified mail. ( which I have all records of their receipt ) I requested for proof that the account in question was valid and IF XXXX  were the holder in due course. XXXX failed to provide me any validation of the account. In my correspondence to XXXX, EX was carbon copied on each one. EQ did alleged did their own internal investigation of the XXXX  account. In their own investigation, EQ claims they verified the account. In each investigation where EQ claimed they verified the account, I have requested EQ 's method of verification. As of XX/XX/ they have still failed to provide any detail report on how they verified the XXXX  account. EQ has not provided me with any details on who they talked to, what documents were reviewed, where they found a signed legal contract bearing my signature, shown me a legal contract bearing my signature, etc. I have not received any type of information which would prove this account was valid & belong to me. 

Additionally, the alleged XXXX  account was opened without my knowledge, consent or authority & believe is fraudulent. Since EQ can not provide me ANY details to this matters I need this issue resolved using your assistance. EQ is in violation of Fair Credit Reporting Act 611 ( a ) ( 7 ). I lieu in my suing them for federal & state violations I'm requesting you can assist in getting the XXXX  removed from my credit. 

Lastly, XXXX has removed the XXXX  account without any incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: FL

Complaint narrative:
There are accounts listed on my credit profile that do not belong to me. Please remove them.

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 2021-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My student loan was in deferment and they reported the loan as late payments. I also never attended XXXX XXXX XXXX and they charged me any way for the loan. I consolidated my loan with XXXX and they STILL garnished my taxes and the remaining balance of {$61.00} they allowed XXXX to consolidate on a plan to repay. They were supposed to consolidate the entire amount for the student loan. That was the agreement. They illegally garnished my taxes while in consolidation. I paid the {$61.00} in XX/XX/2020. My account with XXXX is in good standing and paid. US Department of Education and XXXX XXXX are reporting that my account is delinquent. This is not accurate. The account was consolidated with XXXX and is in good standing. I have called the US Department of Education and they tell me to call XXXX. XXXX tells me to call US Department of education. This inaccuracy is bringing my scores down over 100 points on 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 2021-08-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My student loan was in deferment and they reported the loan as late payments. I also never attended XXXX XXXX XXXX and they charged me any way for the loan. I consolidated my loan with XXXX and they STILL garnished my taxes and the remaining balance of {$61.00} they allowed XXXX to consolidate on a plan to repay. They were supposed to consolidate the entire amount for the student loan. That was the agreement. They illegally garnished my taxes while in consolidation. I paid the {$61.00} in XX/XX/2020. My account with XXXX is in good standing and paid. US Department of Education and XXXX XXXX are reporting that my account is delinquent. This is not accurate. The account was consolidated with XXXX and is in good standing. I have called the US Department of Education and they tell me to call XXXX. XXXX tells me to call US Department of education. This inaccuracy is bringing my scores down over 100 points on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NC

Complaint narrative:
My student loan was in deferment and they reported the loan as late payments. I also never attended XXXX XXXX XXXX and they charged me any way for the loan. I consolidated my loan with XXXX and they STILL garnished my taxes and the remaining balance of {$61.00} they allowed XXXX to consolidate on a plan to repay. They were supposed to consolidate the entire amount for the student loan. That was the agreement. They illegally garnished my taxes while in consolidation. I paid the {$61.00} in XX/XX/2020. My account with XXXX is in good standing and paid. US Department of Education and XXXX XXXX are reporting that my account is delinquent. This is not accurate. The account was consolidated with XXXX and is in good standing. I have called the US Department of Education and they tell me to call XXXX. XXXX tells me to call US Department of education. This inaccuracy is bringing my scores down over 100 points on FICO.

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 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OK

Complaint narrative:
The real estate taxes were not paid for XXXX or XXXX. {$1000.00} was taken out of our escrow account in XX/XX/XXXX, but the XXXX XXXX Treasurer never received the payment. {$1000.00} was taken out of our escrow account in XX/XX/XXXX, but the XXXX XXXX Treasurer never received the payment. 

I have called, emailed, filed tickets for 'payment research ' inquiries, and we have not heard anything back from Loan Care. I always have to initiate the contact. 

XX/XX/XXXX Representative XXXX let me know that there had not been an investigation started because they did not show that the taxes were delinquent. I added documents to the online account to show the tax bills as well as the statements we received from Loan Care showing that they had taken money from our escrow account. 

XX/XX/XXXX I emailed the payment research department with a request to open an investigation. I was told that there were notes in our account from XX/XX/XXXX that showed we had no delinquent taxes, but when I checked the website myself, it DOES show that no taxes have been paid for XXXX or XXXX. 

XX/XX/XXXX I was told the specific check numbers for the payments, however no one ever followed up with whom the money went to. They were supposed to see who endorsed these checks or if they had even been cashed.

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 2021-08-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
My USBank ReliaCard card has been blocked for nearly 3 weeks now. To move forward in the process to get the card unblocked I had to prove my identity. Ive submitted my drivers license photo and I also submitted a photo of my face to their fraud department website to get my card and account unlocked so I can use my funds. I have done that twice so far and every time I call their customer service line nothing gets done! Every worker gives me the same answer of give it 2-3 business days and call us back. This isnt ok. There is no fraud and has never been any fraud on my account. They are simply holding my funds XXXX that I need to use on groceries, bills, toiletries. I havent been able to pay my bills. I am begging that yall infiltrate this situation and close the account and card so I can reopen a new one so that I can have my funds released to me. They didnt even have the decency to alert me that my account was being locked. Please help! Im facing cutting of services. I have nearly {$400.00} sitting in the account. Also when I call they now just hang up after a certain amount of time as if theyre trying to avoid me. Or they simply dont answer my calls anymore.

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 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XX/XX/XXXX XXXX {$3500.00} Sending letter to resolve First of my knowledge knowing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 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: WI

Complaint narrative:
Company has not responded to my disputes that were sent certified mail over 40 days ago.

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 2021-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Omnipoint Capital
State: WA

Complaint narrative:
Debt collectors from New York are calling me in order to pull a false debt on scam my mother. They say that they cant get in contact with her only to tell me what her number is. My mother always picks up her phone, so if they had called her, they they would have been able to get in contact with her. The company is Omnipoint Solutions. The number is XXXX ext. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo Card Services response to CFPB complaint number XXXX did not address all of my issues. 

The account was charged-off in XX/XX/2019. The account is reporting the charge-off in XX/XX/2019 but also for twenty-one ( 21 ) consecutive months thereafter. An account is charged-off ONCE. It may not be charged-off monthly. Once charged-off, it should not show an active payment history. 

Wells Fargo Card Services is manipulating the payment history to intentionally damage 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 2021-08-24 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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I received a letter from XXXX ( a division of XXXX XXXX ) that offered to " remove [ my ] prior debt '' if I signed up for new services. I checked my credit report on XXXX XXXX and discovered that IC System had reported a collection account opened on XX/XX/2021 in the amount of {$420.00} to XXXX. 

I have not had an account with XXXX  for many years. We opened an account with them when we first moved into our home but their services were so unreliable that we closed the account shortly thereafter. All equipment was returned and the account was paid in full. 

I have received notices from other collectors in regard to this account in the past. Each time I have disputed the account and requested that they verify the account with XXXX. I have never received verification and the account either never appeared on my credit report or was immediately removed. In this case, IC System did not send me any letter indicating that this account had been assigned to them. Furthermore, the date they used when they reported it was false. 

I believe that this is a cooperative marketing scheme seeking to blackmail former customers who they should KNOW do not owe them by hiring a debt collector to place the account on those former customers ' credit reports, then offering to instruct that collector to remove the account in exchange for returning as a customer.

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 2021-08-24 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: FL

Complaint narrative:
There are accounts listed on my credit profile that do not belong to me. Please remove them.

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 2021-08-24 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: FL

Complaint narrative:
There are accounts listed on my credit profile that do not belong to me. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: TX

Complaint narrative:
last XX/XX/2021 I've sent a letter about those accounts that were fraudulently used without my permission. and It results to have a low credit score which stresses me so much. I felt so embarrassed and In need of help to resolve this issue. I already contacted credit bureaus and furnisher it almost 30 days now but no response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
1. I require *all* transaction information on my account ending in XXXX, subsequent to the XX/XX/2021 statement period. 

2. My account was closed by American Express on XX/XX/2021. 

3. As a result, I lost all access to online transaction information. 

4. Additionally, telephone customer service can provide no transaction information. 

5. In connection with three prior CFPB complaints regarding the remaining funds in the account, which were finally remitted to my bank, American Express provided me with all statements on the account through the statement for the period ending XX/XX/2021. 

6. However, there appear to have been a great many transactions for which I still have no record, for the time period from XX/XX/2021 to XX/XX/2021. 

7. I require this information for my accounting purposes. 

8. I was never provided a statement for what would have been the period ending in XX/XX/2021. 

9. I have absolutely no access to this information which has been permanently withheld from me by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: On Q Financial
State: CO

Complaint narrative:
I recently noticed that our credit had been negatively impacted by 160 points. I contacted On Q Financial ( mortgagee ) and they have told me that this was processed by XXXX ( On Q 's loan Servicer ) as a result of a late mortgage payment in XXXX of 2021 for our property located in XXXX, Colorado. Prior to the XXXX mortgage statement being generated, I had been attempting for 5 months to have the billing address changed on this loan. I used the " change of address '' form located on the back side of each mortgage statement but it was never processed by XXXX. At one point, a XXXX from XXXX told me over the phone that the change of address form didn't actually work since the form had the incorrect PO box associated with it. This manager admitted in a recorded conversation that the department who received the change of address form on the backside of each statement couldn't actually complete the change of address which is why it had not been processed! In order to get the address corrected, I had to have On Q Financial contact XXXX  and demand that they update my address. On XX/XX/2021 the address was corrected and the XXXX mortgage statement was regenerated and sent to the newly corrected billing address. I received the statement at the beginning of XXXX and I sent payment via USPS on XX/XX/2021 with a check date of XX/XX/2021. Due to delayed mail service during COVID-19, the check was received and cashed by XXXX on XX/XX/2021. Please note that USPS was extremely delayed during this time frame due to XXXX. Since XXXX has the incorrect billing address and was late to send me the XXXX mortgage statement the due date for this statement should have been 30 days from receipt. Given the timeline outlined in the above paragraph, this would have made the due date XX/XX/2021. Additionally, XXXX has a 15 day grace period which would have given me until end of day XX/XX/2021. Again, I sent my check on XX/XX/2021 with a check date of XX/XX/2021 and it was cashed by XXXX on XX/XX/2021. Due to the incorrect billing address on record, which was no fault of mine, as well as delayed mail service during XXXX, I do not believe that a negative credit impact of XXXX points is warranted in this situation. I understand that a mortgage is considered late XXXX day after the due date. Therefore, I'm fine if XXXX wants to charge me a late fee since technically my payment wasn't received by XXXX until after the XX/XX/XXXX due date. However, a negative credit impact is not warranted. My wife and I have worked tirelessly to establish excellent credit and it has been negated in one fell swoop by this event. I am requesting that this be reversed by XXXX. Thank you for your consideration. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: TX

Complaint narrative:
last XXXX I've sent a letter about those accounts that were fraudulently used without my permission. and It results to have a low credit score which stresses me so much. I felt so embarrassed and In need of help to resolve this issue. I already contacted credit bureaus and furnisher it almost 30 days now but no response yet.

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