vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-14 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: IL

Complaint narrative:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but Experian XXXX  and XXXX are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Balance : {$110.00} Reason : Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$550.00} Reason Original Creditor : XXXX XXXX XXXX   Open Date : XX/XX/XXXX Status : OPEN Balance : {$510.00} Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$490.00} Original Creditor : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$11000.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$790.00} Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX GA Open Date : XX/XX/XXXX Status : OPEN Balance : {$1900.00} Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$2300.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Discharged Amount : {$0.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Dismissed Amount : {$0.00}

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 2020-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have multiple accounts with Bank of America and they debt one of my account for my credit card without my authorization.

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 2020-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Last year in early 2019 my family had a financial hardship. My mortgage company Freedom Mortgage worked with me to get a modification on my loan to lower my payments. I am very grateful for this company and do appreciate the new payment amount. However, I was not informed on how long of a process this would take. I provided all my documents in a timely fashion and the process took much longer then it should. If I would have known this would cause me to miss 7 months of mortgage payments and decrease my score and my wife 's score drastically, I wouldn't have made this decision. This has affected my financial situation in a different way now. This modification process just transferred financial stress from me not being to pay my mortgage company to now not being to pay all my other accounts with other companies because now my interest rates are extremely high and I can't keep up with the payments. This has put financial stress back on me and my family & I know this isn't the goal of a loan modification. I worked really hard to get a XXXX credit score when I bought this home and now I'm in the low 500 's (  and XXXX my wife ) because of the long process I was unaware of. I did call several times during the modification process as was worried something was wrong since it did take so long to get completed. 

I have called to speak to someone at Freedom about possibly removing some or all of the late payments but they said they are unable to do so. Again, I'm so very grateful for the modification but I wasn't informed on how long of a process this would take and would have taken that into consideration before going through with this process.

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 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
XX/XX/2020. Logged in successfully to my Equifax account, was able to see my credit report and credit score but was not able to permanently remove the security freeze. 

Called after hours so could not speak with a representative. Tried to answer security questions but it did not work. The questions were about loans that I have never had so all I could answer was " None of the above ''. 

XX/XX/2020. Called but the phone call was terminated after approximately 7 minutes without even a chance to speak with a rep because the automated voice system started asking a quality survey and I refused to answer because I had not even exchanged a word with someone. 

Called again and asked a customer service rep to permanently remove the security freeze. She said it is not possible by phone and I must send a letter with a copy of my Social Security card and a copy of my driver 's license. 

I said that I had the PIN number to unfreeze and she said that they do not use it anymore. I said that the PIN functionality worked very well with the automated calls with XXXX and XXXX. I was able to permanently remove my security freeze with these 2 companies in just a few minutes. 

I said there is an issue with Equifax website not permitting the " unfreeze '' option when I can access all the other information in my Equifax account. She did not even acknowledge there was a problem with that. She just kept repeating the same thing, that the request has to be sent by mail. 

I asked to speak with a manager but she said that it would not make any difference and that it would not expedite my request. 

I asked if I can fax the request and she gave the number without even confirming that it would work that way. 

She said it will take 5 to 7 business days to process my request and that I will receive a notification letter in 30 days. I checked later on FTC 's website and it says that if done by phone, the unfreeze should be done within one hour and 3 business days by mail. 

I faxed my request but after reading comments on the XXXX XXXX XXXX website, I will also send my request by mail. I don't understand why I could not permanently remove the security freeze on the website or by phone when it was so easy with both XXXX  and XXXX  in just a few minutes by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: WI

Complaint narrative:
Transunion is reporting a two open fraudulent accounts XXXX XXXX XXXX, XXXX as past due and XXXX XXXX XXXX collection account on my credit report. I disputed this fraudulent account XXXX, 2019 and XX/XX/2019. At this time it was with a different collector called XXXX XXXX XXXX. After disputing this fraudulent account with the XXXX XXXX XXXX, and them conducting their investigation the result was a deletion of the fraudulent account from my credit report. It appears they have however sold this fraudulent account to XXXX XXXX XXXX a new collection agency. Even with a different account number it seems Transunion and/or system should recognize that the account has the same account details ( date opened, balance, credit limit etc ) as the fraud account that was previously deleted/blocked and should be rejected for re-insertion. 

Lastly, there is a fraudulent XXXX XXXX XXXX and XXXX credit card that is also reporting on my credit report. I disputed these fraudulent accounts and the XXXX XXXX XXXX and XXXX credit card remained on my report however the XXXX inquiries disputed as fraud were removed. How can Transunion agree that a Inquiry is fraud but the account it is associated with is not??? That makes absolutely no sense. This is another case of Transunion being negligent and This is a blatant violation of my consumer rights pursuant to the FCRA section 623. Reporting this fraudulent account has dropped my credit score and has caused much undue emotional distress. If this fraudulent collection account is not removed promptly, I will be exercising my rights to file a civil lawsuit pursuant to the FCRA for willful noncompliance and negligence!

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 2020-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
It was due to unfortunate circumstances with a situation that I was a cosigner on which happened between my brother and the property management company. There was a leakage in the bathroom sink that caused the bathroom floor to flood with water causing the ceiling damage to our downstairs neighbors. The property manager blamed my brother for the bathroom damage stating that when he moved in it was in great condition, hence not wanting to take on damage costs. We tried taking it to the XXXX  XXXX  XXXX  but unfortunately couldnt come up with enough evidence to overturn the damage costs. Along with the full security deposit, they ended up charging an additional {$10000.00} dollars. It was discharged in court last year when my brother filed for bankruptcy but it still shows up on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I received approval on my IBR Application in XX/XX/2019 for a monthly payment of {$90.00}. I changed my payment due date from the XXXX of the month to the XXXX of the month in XX/XX/2019. Fed Loan doubled my monthly student loan payment to {$170.00} for just changing the due date so I can make my payments more manageable for myself. How does changing a due date double a student loan payment after you have a letter in writing stating stating what your IBR payment will be for the next year? This loan servicer is a huge SCAM. They told me by changing my due date they had to readjust my payment because the poverty line had changed. That doesnt even make sense if I was already approved in an IBR plan for the year so not sure what the changing of the poverty line has to do with my student loan payment that had already been set. Customer Service is unprofessional as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have debt of {$830.00} in collections from a company called Midland Funding LLC. I've tried talking to multiple companies for years and explaining that I do not recognize this debt and that it has been a case of identity theft for about 7 years now ( XX/XX/2013 ), but is still affecting my credit history. 

I was already promised that it was going to be removed by a different credit company that was holding the account. 

Now I see that this account has been taken over by a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION
State: CA

Complaint narrative:
My brother got financed by the company for a XXXX  XXXX XXXX. He decided to trade in the car and refinance with the same company for a XXXX XXXX. Regional Acceptance is the company. They have yet to take the XXXX XXXX off my credit. I have proof, but the file is too large to send. My brother has tried numerate of times to contact them and take it off my credit but they have yet to and do not want to cooperate l.

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 2020-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT  MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.

Complaint narrative:
I am writing this complaint to report an Internet fraud which has effected me morally, financially and mentally a lot. I had a friend in XXXX. My friend is working in XXXX, XXXX On XX/XX/2020. He contacts me and told that he needs some money as he just changed his house and got short of money. I said Ok I will transfer XXXX euro to his account. 

On XX/XX/2020. I transferred XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Yens which is almost equal to XXXX Euros using this online money transfer service worldremit.com. I used my Debit Card XXXX for making this payment. 
I got notified from World Remit that you need to upload your MY Number card for making this transfer on XX/XX/2020. On XX/XX/2020 I call the XXXX Office of World Remit. They sent me the link to upload my My Number Card, I uploaded My Number card on the Website and they said that in 3 days your amount will arrive at your friend 's account in XXXX. 
I said Ok and waited till XX/XX/2020. On contact with World Remit on XX/XX/2020, they said that our local agent is not responding your amount will be transferred to your friend 's account till Wednesday XX/XX/2020. I waited 2 more days and warn them that my friend is waiting helplessly for 8 days. 

Now, on XX/XX/2020. When I call them, they put my phone on hold or when I email them they dont just reply to my emails. I visited my nearest Police Station to report this issue, they listen to my talk briefly and told me that they can't do anything for me, I should visit my bank. I visited my XXXX XXXX on XX/XX/2020 and still, Bank person said that they can not do anything I should file a case against world remit. 

So, I started emailing and calling world remit several times and told them that I am very angry, I want my money back. But they keep on keeping my call on hold. 
On XX/XX/2020 they sent me an email that they are canceling my transfer and I can get my money back in 7 days if it's canceled and if it's not canceled then they will tell me next what to do. 

Meanwhile, I search on the Internet about this service XXXX XXXX XXXX I realized that this company is a complete scam and they steal people money. 

So, I realized that this 7 days new email is also another trap for me and I will never get my money back. So, I tried to contact some offices to report this issue. 

I have the proof receipt and emails. As I mentioned in the whole situation and would love to share with you on demand. I request you to take strict action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: NY

Complaint narrative:
After reviewing my most recent credit report. Trans Union, XXXX  and XXXX  currently reports multiple inaccuracies and unverifiable information onto my credit profile without permissible cause. 

The following inquiries are inaccurate and unverifiable : 1 ) XXXX XXXX- Date reported- XX/XX/2019 ; reporting without any permissible cause, no credit has been extended. Please remove this account at once 2 ) XXXX- date reported- XX/XX/2019 ; reporting without permissible cause, no credit has been extended. please remove account at once. 

3 ) XXXX XXXX XXXX- Date reported, XX/XX/2019 : reporting without permissible cause ; no credit or loan has been extended. Please remove this account. 

XXXX- date reported XX/XX/2019 ; reporting without permissible cause ; no credit line or loan has been extended. Please remove this 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 2020-02-14 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: WI

Complaint narrative:
Experian is reporting a two open fraudulent accounts XXXX XXXX XXXX, XX/XX/XXXX/XX/XX/XXXXas past due and XXXX XXXX XXXX collection account on my credit report. I disputed this fraudulent account XX/XX/XXXX and XX/XX/XXXX. At this time it was with a different collector called XXXX XXXX XX/XX/XXXX. After disputing this fraudulent account with the XXXX XXXX XX/XX/XXXX, and them conducting their investigation the result was a deletion of the fraudulent account from my credit report. It appears they have however sold this fraudulent account to XXXX XXXX XXXX a new collection agency. Even with a different account number it seems Experian and/or system should recognize that the account has the same account details ( date opened, balance, credit limit etc ) as the fraud account that was previously deleted/blocked and should be rejected for re-insertion. 

Lastly, there is a fraudulent XXXX XXXX XXXX and XX/XX/XXXX/XX/XX/XXXXcredit card that is also reporting on my credit report. These accounts is not mines as it was established as a result of identity theft.I disputed these fraudulent accounts and the XXXX XXXX XXXX and XX/XX/XXXX/XX/XX/XXXXcredit card remained on my report however the XX/XX/XXXX/XX/XX/XXXXinquiries disputed as fraud were removed. How can Experian agree that a Inquiry is fraud but the account it is associated with is not??? That makes absolutely no sense. This is another case of Experian being negligent and This is a blatant violation of my consumer rights pursuant to the FCRA section 623. Reporting this fraudulent account has dropped my credit score and has caused much undue emotional distress. If this fraudulent collection account is not removed promptly, I will be exercising my rights to file a civil lawsuit pursuant to the FCRA for willful noncompliance and negligence!

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 2020-02-14 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: NY

Complaint narrative:
After reviewing my most recent credit report. XXXX XXXX, Equifax and XXXX  currently reports multiple inaccuracies and unverifiable information onto my credit profile without permissible cause. 

The following inquiries are inaccurate and unverifiable : 1 ) XXXX XXXX- Date reported- XX/XX/2019 ; reporting without any permissible cause, no credit has been extended. Please remove this account at once 2 ) XXXX date reported- XX/XX/2019 ; reporting without permissible cause, no credit has been extended. please remove account at once. 

3 ) XXXX XXXX  XXXX- Date reported, XX/XX/2019 : reporting without permissible cause ; no credit or loan has been extended. Please remove this account. 

XXXX- date reported XX/XX/2019 ; reporting without permissible cause ; no credit line or loan has been extended. Please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: NY

Complaint narrative:
After reviewing my most recent credit report. XXXX XXXX, XXXX  and Experian currently reports multiple inaccuracies and unverifiable information onto my credit profile without permissible cause. 

The following inquiries are inaccurate and unverifiable : 1 ) XXXX XXXX- Date reported- XX/XX/2019 ; reporting without any permissible cause, no credit has been extended. Please remove this account at once 2 ) XXXX date reported- XX/XX/2019 ; reporting without permissible cause, no credit has been extended. please remove account at once. 

3 ) XXXX XXXX  XXXX- Date reported, XX/XX/2019 : reporting without permissible cause ; no credit or loan has been extended. Please remove this account. 

XXXX- date reported XX/XX/2019 ; reporting without permissible cause ; no credit line or loan has been extended. Please remove this 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 2020-02-14 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: NY

Complaint narrative:
In XX/XX/XXXX, I sent Trans Union a dispute challenge letter disputing an account that is currently reporting inaccurately. 

Account : ( XXXX XXXX XXXX ) I identified to transUnion the following inaccuracies and unverifiable information currently being reported. 

: Last date of activity : inaccurate, a violation ; as a result account must be removed at once. 

Last date of payment is inaccurate ; last date of payment was in XX/XX/XXXX, of which is reflected on my bank account statement. where is TransUnion getting its information from?? please Delete account for  reporting inaccurately. 

: Last reported balance is inaccurate, and unverifiable. Please delete this account at once.

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