vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-15 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: EdFinancial Services
State: NJ

Complaint narrative:
I did a FTC report in XX/XX/XXXX and spoke with XXXX XXXX XXXXT because there were XXXX student loans on my credit reports from XXXX. XXXX sent me a Packet Titled XXXX XXXX XXXX XXXX XXXX and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my XXXX, XXXX AND XXXX Credit reports. In XX/XX/XXXX XXXX Reopened my XXXX Accounts and added an Fraudulent account with XXXX XXXX XXXXXXXX For the same amount as the fraudulent EDFINANCIAL Accounts, {$71000.00}. This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: NC

Complaint narrative:
I tried to make my monthly Morgage payment. Today is XX/XX/2023 XXXX am. The company website will not take a payment until XX/XX/2023. A late payment is added if payment is not made by XX/XX/2023. It is not fair for the company to refuse to accept a payment in order to collect a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
Reference CFPB complaint # XXXX. I received attached letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, waited for XXXX XXXX XXXX response on their complaint submitted XX/XX/XXXX, however no response. Theyre probably waiting until the court trial management conference set for XX/XX/XXXX. Anyway this letter states both lawsuits dismissed per plaintiff for financial hardship. First off YOU ARE A XXXX. They are still active. NEVER discussed any financial hardship or made any such request. If i did why would I be complaining? Bank XXXX XXXX, as stated several times advised me they reassigned accounts to XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX however courts shows no such thing. In fact they filed trial documents as well. 
Other fraud committed by this business as well but Ill save that for trial. Lets see if XXXX  XXXX XXXX and XXXX and XXXX wan na get on the stand and tell this lie. 
You dont have that license to practice in XXXX yet do you? Yet you served summons XXXX of XXXX. And XX/XX/XXXX. Perpetuaters!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: HI

Complaint narrative:
I'm recently going through financial hardship due to the rise in utility bills and personal finances ( car insurances, baby supplies ). I fell behind on my mortgage 5 months and when I contacted Rocket Mortgage about how much I owed. They told that my house was up for Foreclosure. We got a letter in the mail on XX/XX/XXXX but was dated for XX/XX/2022. With the amount due. But when I chatted with someone around XX/XX/XXXX thats when I found out that the house was going to foreclosure. They told me that my only option was to pay the total amount due to get my mortgage reinstated of an amount of about XXXX XXXX I later found out that we could sign up for an application for success. Not sure what options I have after that because they have not given a date for the foreclosure. Also what are my options to keep my house and mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: FL

Complaint narrative:
I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO 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 non-monetary relief
Consumer complaint received 2023-01-15 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:
I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: NY

Complaint narrative:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-15 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: NY

Complaint narrative:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Kabompo Holdings, Ltd.
State: NC

Complaint narrative:
Back in XX/XX/2022 I completed an online application with Paxos Trust LLC to setup an account. The application required a name, social security number, full address, telephone number, and email address. In addition, it requests that applicants submit a selfie photo and a pic ( front and back ) of their state issued iD or drivers license. After completing the application, Paxos emailed me a Request for Additional Information. In response to this request I submitted more private/personal details.. my source of income, employer name and location, proof of residence ( utility bill ), investment intentions, and criminal history. Well now its been over 2 months since my completion of the application and full compliance with all their requests but still NO PROGRESS and NO UPDATES from Paxos

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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:
This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AS WELL AS RETAIL CREDIT ACCOUNTS POLICE REPORT XXXX Deceptive Collection practices-False Personation XXXX. COPIES SENT TO AGENCIES.

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 2023-01-15 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS WELL AS RETAIL CREDIT ACCOUNTS POLICE REPORT XXXX Deceptive Collection practices-False Personation XXXX. COPIES SENT TO AGENCIES.

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 2023-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
On XX/XX/2023, I checked my credit report and noticed a collection from Waterfall Revenue Group on my report for an alleged debt for XXXX. I was never notified about this alleged debt before being reported to my consumer report. This company inserted information on my consumer report without any consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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:
This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15 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:
This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: NV

Complaint narrative:
Rent recovery solutions put on my account a bill of {$2500.00} and I have no idea where the amount is coming from since I have not been notified of the bill. I am currently in the hospital with XXXX XXXX and have XXXX XXXX to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: IL

Complaint narrative:
Equifax is reporting account that I have not opened it doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: PA

Complaint narrative:
My name is XXXX XXXX, I am a Transferwise customer with email address XXXX Wise deactivated my account with funds in it and they kept the money to themselves without sending it to me. 

On XXXX XX/XX/2023, I tried the wise appeal website and noticed that wise asked for my bank details so as to refund my money which I have successfully submitted, but wise has still not refunded the money to me. 

I am submitting this complaint because I need wise to send my refund to my USD bank details I provided to them on timely manner My bank details which I submitted to wise is Routing Number : XXXX Account Number : XXXX I need wise to send the receipt of the refund this complaint. 

The email associated with my wise account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: IL

Complaint narrative:
XXXX is reporting account that I have not opened it doesn't belong to 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 2023-01-15 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: MD

Complaint narrative:
I opened a XXXX XXXX in XX/XX/2022. I used the account once to purchase approximately {$50.00} in fuel and it was closed by the lender for potential suspicious activity. I paid the amount I had charged immediately. In XX/XX/2022 I received an email that my monthly membership fee of {$10.00} was due. I emailed customer service and they indicated that it was a mistake, the account was closed, and I owed no balance and no monthly membership fee. In XX/XX/2022, they reported a {$10.00} balance as delinquent, Up to 30 day beyond terms on my Experian Business credit report. My credit score dropped from XXXX to XXXX because of the incorrect reporting. I was also denied a business credit card with another lender because of the erroneous delinquent reported 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 2023-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
Ive been an AMEX customer almost for XXXX years. Always paid on time, never lage and even have pay off. They never offered me or approved a line increase. However, they approved me a transaction today they overdrafted my card for {$1000.00}. Isnt best that I get at least an increase of {$5000.00} and I dont get the overdraft message or a mark on my credit score? This doesnt even make sense. They prefer I get overdrafted instead of approving me a line increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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:
Fedloan reports that I was late on my payments for 90 days it more. I started paying my loan with XXXX  XXXX XXXX. My account was set to autopay. For 3 months, ( XXXX XXXX  ) I would see payments go out of my bank account on behalf of the Department of Education XXXX In XX/XX/2018 I got a email saying no payment had been made, funds were available. I tried calling and could not get a response. I then saw on my credit report I was late. This came as a shocker because I had no idea who they were because I was paying to XXXX  XXXX XXXX. The person on the phone was not helpful. So we did not resolve anything. Dead end after dead end and now its XXXX and I finally speak with someone at Fedloan to get things straighten. I started my payment plan and have made payment a every month since. When calling about why I have 3 months of missing payments I keep getting different answers. 1 person said its because my account was set to paperless and they sent the info to my online account but I didnt see it yet because i hadnt even spoken with the company to even know there was a account with them. I agreed with ACT ( account control technologies ) to start repaying my loan which I started immediately doing, non of my information was transferred over to Fedloan, when I finally spoke with Fedloan all of the information on my was incorrect ( email, address, etc ) which ACT had because I was making payments. I have made all payments to Fedloan since then and have tried to get this cleared up. From XXXX I have never been late and current on all payments. During the pandemic Fedloan sold my student loans to another company and again my information like address and phone number was incorrect, and that company had since sold my loan again to another company. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: MS

Complaint narrative:
My name is XXXX XXXX and I signed up wise to receive payments but unfortunately this company frozen my funds in my Wise account without any explanation as to why they would not give it to me. 

My email with wise is XXXX This company called Wise is a very fraudulent company because they have blocked thousands of customers accounts and purposely hold their funds. 

After a lot of appeal, I logged into my account through the appeal website and saw that wise has asked for details of my bank for a refund of the balance on my wise account and I provided my USD bank details on Monday XXXX XXXX, 2023. 

I need wise to issue a refund to my XXXX bank details and to apologise to me for holding my funds for so long. 

My Bank details I submitted to wise is Routing number : XXXX Account Number : XXXX I also need a receipt of payment to he sent to their response to this complaint after the funds have been sent Again, the email associated with my wise account is XXXX XXXX

Company response to consumer: Closed with explanation