vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Dear Team, This is XXXX XXXX. 
1. I have an online account with Western Union ( International Money Transfer ) from US checking accounts. 
2. I have been member of this account since XXXX and it is inactive since XXXX. 
I never used it since XXXX. 
3. But on XX/XX/XXXX morning at XXXX XXXX CST, I have received an email that a transaction has been completed using my account and money was picked up at WU location by the recipient. 
4. Similar to this 4 transactions happened within 20-30 minutes of time and these are all fraud transactions and the recipient collected the amount at WU location instantly. 
5. I have called up Western Union Customer Care and they directed to Western Union Fraud department and they suggested me to close my Western Union account and respective payment method ( XXXX XXXX account ) not to get debited with these transactions and get trapped. 
6. I have called my respective XXXX XXXX account and closed my account to avoid the amount deduction. 
7. Western Union Fraud department had raised a case and case number is XXXX 8. They requested me to contact local law enforcement and update the details and refer to this case number ( XXXX ). 
9. Hence I humbly request you to check and help in investigating this issue and resolving it.

10. I am victim of this fraud and getting trouble with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-18 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, lease block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 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 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I entered into an agreement to refinance my mortgage with Freedom Mortgage ( also my current lender ). They have canceled my closing twice at the last minute due to document problems on their side. I stopped the refinance process with another lender because I believed I had a closing scheduled with Freedom Mortgage. I believe Freedom Mortgage is deliberately delaying the process in order to get my rate lock to expire. 

Here are the people I have spoken to at Freedom Mortgage XXXX XXXX NMLS # XXXX XXXX NMLS # XXXX XXXX XXXX ( processor ) XXXX XXXX ( escalations ) XXXX XXXX XXXX ( escalations ) XXXX XXXX XXXX ( loan processing manager )

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 2020-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I paid this {$110.00} debt on XX/XX/XXXX to XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) for a bill I owed for XX/XX/XXXX. However upon checking my credit report I noticed that Debt Recovery Services has listed a derogatory debt for the same amount from this above creditor. I spoke with DRS and they stated that they just trying to collect the debt, they don't have anything to do with the other company. I have never received any communication from DRS in regards to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX is still reporting that my balance with XXXX XXXXt XXXX is XXXX and it is not, it is paid in full and should be removed immediately. This for account number 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 2020-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
I paid this {$110.00} debt on XX/XX/XXXX to credit management control ( XXXX XXXX XXXXXXXX XXXX ) for a bill I owed for XX/XX/XXXX. However upon checking my credit report I noticed that XXXX XXXX XXXX has listed a derogatory debt for the same amount from this above creditor. I spoke with XXXX and they stated that they just trying to collect the debt, they don't have anything to do with the other company. I have never received any communication from XXXX in regards to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: LD Holdings Group, LLC
State: CA

Complaint narrative:
LoanDepot has inaccurately reported my having paid my home loan late. 
I would like to get Loan Depot or the appropriate entity to correct this reporting with my credit agencies. 

As background, I refinanced my home loan through Loan Depot in XX/XX/2020. In more than a decade prior to refinancing, I had never been late for a loan payment. 

With the refinancing, I set up an automatic electronic transfer from my bank account to loan depot for payment every month. At first, this worked seamlessly. 

In XXXX, I was notified that my XXXX and XXXX payments were overdue. I contacted my bank, which indicated that the payments were made on time -- one on XX/XX/XXXX and the second on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX, I made another payment for the amount of both months combined to ensure they were paid. 

Later in XXXX, Loan Depot again notified me about the two overdue payments -- for XXXX and XXXX. I again called my bank, which indicated that the payments ( the first two and again the follow-up third ) were made. I contacted Loan Depot, which indicated that the money may have been returned to me. 

I then made the payments with a written check, rather than by electronic transfer. 

Attached are letters from my bank, XXXX, indicating that the payments were made to Loan Depot in a timely fashion prior to XXXX and XXXX, and then again the third payment to pay an additional time, all by electronic transfer. 

I'd like to get my credit report cleared up. I understand that I've been reported to credit agencies as having made delinquent payments. Can you please remove this credit complaint from my records at Loan Depot and with the credit agencies. 

Please have someone contact me to discuss and let me know if you need any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: TX

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
This account was deleted on my XXXX  credit report and this company illegal got it place back on there and I have proof they keep harassing me today I contact my lawyer to file a lawsuit against them due to the fair credit act this is illegal and they need to be handle accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, lease block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, lease block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXXXXXX 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 2020-12-18 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: CA

Complaint narrative:
XXXX has inaccurately reported my having paid my home loan late. 
I would like to get XXXX XXXX or the appropriate entity to correct this reporting with my credit agencies. 

As background, I refinanced my home loan through XXXX XXXX in XX/XX/2020. In more than a decade prior to refinancing, I had never been late for a loan payment. 

With the refinancing, I set up an automatic electronic transfer from my bank account to XXXX XXXX for payment every month. At first, this worked seamlessly. 

In XXXX, I was notified that my XXXX and XXXX payments were overdue. I contacted my bank, which indicated that the payments were made on time -- one on XX/XX/XXXX and the second on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX, I made another payment for the amount of both months combined to ensure they were paid. 

Later in XXXX, XXXX XXXX again notified me about the two overdue payments -- for XXXX and XXXX. I again called my bank, which indicated that the payments ( the first two and again the follow-up third ) were made. I contacted XXXX XXXX, which indicated that the money may have been returned to me. 

I then made the payments with a written check, rather than by electronic transfer. 

Attached are letters from my bank, XXXX, indicating that the payments were made to XXXX XXXX in a timely fashion prior to XXXX and XXXX, and then again the third payment to pay an additional time, all by electronic transfer. 

I'd like to get my credit report cleared up. I understand that I've been reported to credit agencies as having made delinquent payments. Can you please remove this credit complaint from my records at XXXX XXXX and with the credit agencies. 

Please have someone contact me to discuss and let me know if you need any further information.

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 2020-12-18 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: CA

Complaint narrative:
XXXX has inaccurately reported my having paid my home loan late. 
I would like to get XXXX XXXX or the appropriate entity to correct this reporting with my credit agencies. 

As background, I refinanced my home loan through XXXX XXXX in XX/XX/2020. In more than a decade prior to refinancing, I had never been late for a loan payment. 

With the refinancing, I set up an automatic electronic transfer from my bank account to XXXX XXXX for payment every month. At first, this worked seamlessly. 

In XXXX, I was notified that my XXXX and XXXX payments were overdue. I contacted my bank, which indicated that the payments were made on time -- one on XX/XX/XXXX and the second on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX, I made another payment for the amount of both months combined to ensure they were paid. 

Later in XXXX, XXXX XXXX again notified me about the two overdue payments -- for XXXX and XXXX. I again called my bank, which indicated that the payments ( the first two and again the follow-up third ) were made. I contacted XXXX XXXX, which indicated that the money may have been returned to me. 

I then made the payments with a written check, rather than by electronic transfer. 

Attached are letters from my bank, XXXX, indicating that the payments were made to XXXX XXXX in a timely fashion prior to XXXX and XXXX, and then again the third payment to pay an additional time, all by electronic transfer. 

I'd like to get my credit report cleared up. I understand that I've been reported to credit agencies as having made delinquent payments. Can you please remove this credit complaint from my records at XXXX XXXX and with the credit agencies. 

Please have someone contact me to discuss and let me know if you need any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: CA

Complaint narrative:
XXXX has inaccurately reported my having paid my home loan late. 
I would like to get XXXX XXXX or the appropriate entity to correct this reporting with my credit agencies. 

As background, I refinanced my home loan through XXXX XXXX in XX/XX/2020. In more than a decade prior to refinancing, I had never been late for a loan payment. 

With the refinancing, I set up an automatic electronic transfer from my bank account to XXXX XXXX for payment every month. At first, this worked seamlessly. 

In XXXX, I was notified that my XXXX and XXXX payments were overdue. I contacted my bank, which indicated that the payments were made on time -- one on XX/XX/XXXX and the second on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX, I made another payment for the amount of both months combined to ensure they were paid. 

Later in XXXX, XXXX XXXX again notified me about the two overdue payments -- for XXXX and XXXX. I again called my bank, which indicated that the payments ( the first two and again the follow-up third ) were made. I contacted XXXX XXXX, which indicated that the money may have been returned to me. 

I then made the payments with a written check, rather than by electronic transfer. 

Attached are letters from my bank, XXXX, indicating that the payments were made to XXXX XXXX in a timely fashion prior to XXXX and XXXX, and then again the third payment to pay an additional time, all by electronic transfer. 

I'd like to get my credit report cleared up. I understand that I've been reported to credit agencies as having made delinquent payments. Can you please remove this credit complaint from my records at XXXX XXXX and with the credit agencies. 

Please have someone contact me to discuss and let me know if you need any further information.

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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
The Fortiva credit card was paid off in XX/XX/XXXX and reported lost in XX/XX/XXXX. 
I completed an affidavit in XX/XX/XXXX on the lost card and submitted it to Fortiva. 
I have not received a response since. 
In XX/XX/XXXX, Fortiva is tracking an {$800.00} balance on the lost card. 
Fortiva asked for another affidavit, this time to dispute the charges on the account. 
Fortiva has been reporting late payments to my credit report on the lost card since XX/XX/XXXX. 
I documented the entire history in a dispute in XX/XX/XXXX again. 
I have heard no response upon receipt nor the next steps in the dispute process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect has allow someone outside of me to get an apartment in my name. I have reported the matter to the property authorities and submitted information to FTC and to the creditor as of today this matter has continued to damage my credit. The resident was occupied 2018. Procollect has updated this collection on a regular basis with no resolution.

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 2020-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
We were purchasing some home gym equipment back on XX/XX/XXXX and when asking about promotions and cost. We were told that they have a 6 month promotional offer and we asked if it was possible to do 12 months and they said they could look into it and get back with us. They did get back to us and told us that we could get the 12 month promo and that there would be no monthly minimum payment as long as we paid it off in the 12 months. Well when I got the statement in the mail I was surprised to see that we did in fact have a monthly minimum payment which was being factored at 3.5 % which was never disclosed and we never received any disclosures or signed any application for that matter. When I received our Statement I called the Sales Rep on XX/XX/XXXX and asked him why I did have a minimum payment and why was it 2 accounts instead of just one and that my payment was due in 2 days and that he needed to get back to me asap. Well XX/XX/XXXX came and went and I ended up making my payment so that it wouldn't be late or derogatory. Now 11 days later I call him again and ask him to check into it and he says he will, he finally calls me back and tells me that he misspoke but that I was still getting a good deal. Well to me I am not getting a good deal cause what I was told was the deal I wanted but now I am stuck with completely different terms than what I was told I would be receiving.

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 2020-12-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian, XXXX, and XXXX still hasn't responded to my disputes. It has been over 60 days. I am heavily stressed and I've had enough of the bureaus taking advantage of me. I've attached the 30 day demand to comply. These accounts has to be deleted immediately.

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 2020-12-18 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:
I deal with a lot being a young single mother. There's a lot of stress. So when this account popped up on my report hurting my score, I didn't know what to do. I elected to pay it off because I didn't know my rights. Come to find out, that didn't help and the account is still on my report and it never belonged to me to begin with. I learned that I can dispute this information and have submitted a complaint with the ftc. On there site, they explain that section 605 of the FCRA mandates you to remove fraudulent accounts with 4 days. Please help me in this dreadful situation. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation