vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 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: NJ

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. 
I believe that someone else may have a relative that may have forged my name XXXX or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
Please remove this account from credit report XXXX XXXX account # - 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 2020-07-21 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: NJ

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. 
I believe that someone else may have a relative that may have forged my name XXXX or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
Please remove this account from credit report XXXX XXXX account # - 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 2020-07-21 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:
XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX remove the ftc violaitons

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 2020-07-21 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:
AUTOMATED XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX remove the ftc violaitons

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX keeps calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I can not link my robinhood account to my PNC account and this means that I cant access hundreds of dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am trying to link my account to XXXX investing site, PNC has a block on connecting it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
my Best Buy credit card XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX ID XXXX XXXX credit card unlawfully closed my account without a prior notification last year. 
Per my discussion with their customer service, they said it is their right to discharge any consumer card without notice and for any reason, even when I am satisfying the payment cycle through regular payments. 

I have paid the remaining balance on the card which was still accumulating due to their charges and interests, even when the card was closed last year. 

It is great that I recognized this devious credit card provider and closed the account by fully paying the balance. 

However, 1. They are misusing their credit grantor privileges by destroying customer credit reports by unpredictable card closures.

2. Why should I suffer as a consumer all the time, when my credit card gets destroyed by the credit grantors discretion.

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 2020-07-21 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: AL

Complaint narrative:
I set up an automatic payment from my XXXX loan due to the XXXX Virus and all banks being closed to inside customers they did not take my payments out of my XXXX ACCOUNT for 4 months instead placing me as delinquent and the report caused my limit to be dropped on my VISA to {$500.00}. I have paid all monies owed and would like my credit card amount to be restored to {$30000.00}

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 2020-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I have the Amazon Prime Credit card with Synchrony bank. 2 months ago by mistake they charged me one product twice. I submitted a complaint and they never called me back or told me anything about it. 2 or 3 weeks I tried to use my card again and it didn't work, I called them and they told me they cancelled my card without a notice from them. They didn't send any notifications from Synchrony bank. I tried to pay everything and to cancel the card and they told me they would do it and they didn't. Then a new card came to my house and I opened to review everything in the Synchrony bank app again to make sure they didn't charge anything additional. Everything look good and I decided using the card again. They charged me XXXX twice and when I call them they send me from one person to the other one for about 2 hours and they didn't solve anything. At the end they said Amazon was the one who charged me twice and they didn't solve anything. When I called amazon they said that was not true. I need help.

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 monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Hanna Holdings Inc
State: OH

Complaint narrative:
XX/XX/XXXX I filed a complaint with the company around Loan Originations Fiduciary Responsibilities per RESPA pertaining to an accurate Escrow Analysis on a home that was built in XX/XX/XXXX( per blue prints ), used as a model home and was sold to me in XX/XX/XXXX. A home appraisal was conducted for the value of the home and I purchased home owners insurance for replacement value, however was not used to figured accurate escrow for real estate taxes for the 360 amortization schedule that was provided. In addition, my loan was sold to another bank prior to first monthly payment and my escrow was understated by a near 70 %. This clerical error increased my monthly payment by {$900.00} and has affected my ability to repay. 

I received three separate responses from the company that are attached as supporting documentation. It appears that since I used this company for the home purchase and loan originations my personal information was shared within the company departments without my consent. In addition, the loan originator in which I filed the complaint called me personally to rectify my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just got a new credit report discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I dont reside at and may possibly be a old job or promos. Please delete the following addresses : XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete : ( 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 2020-07-21 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:
XXXX keeps calling me about a FTC violation on the account have them quit calling remove the wrong address that the ftc was created : XXXX XXXX XXXX XXXX  tx XXXX FTC violatons XXXX also

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Yesterday on XX/XX/XXXX I received a mail from TRANSWORLD SYSTEMS INC. claiming that I have {$31.00} in debt to the creditor of XXXX XXXX XXXX XXXX on XX/XX/2020. There was no debt validation or evidence to which I had used XXXX nor do I have relations with XXXX  corporate. I contacted XXXX about this claim and they told me it is not the way they usually call and handle debt and assured me it is a scam. I did my research and many claimed that one should ignore and others say I should contact cfpb about it to cancel and confirm that this claim and statement are false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX inquiry date XX/XX/2018 I wrote a letter no response according to the FCRA

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 2020-07-21 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:
XXXX keeps calling me about a FTC violation on the account have them quit calling remove the wrong address that the ftc was created : XXXX XXXX XXXX XXXX tx XXXX FTC violatons XXXX also

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 2020-07-21 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:
XXXX keeps calling me about a FTC violation on the account have them quit calling remove the wrong address that the ftc was created : XXXX XXXX XXXX XXXX tx XXXX FTC violatons XXXX also

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 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
showing address that don't belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US BANK offered us a Mortgage Forbearance for COVID financial issues which they stated we would be on a Forbearance plan and we would be able to add on our 6 months of payments to the end of our mortgage. They never ONCE stated that this would restrict us from being able to refinance. We just contacted XXXX over at XXXX XXXX XXXX  XXXX to Refinance our home and take advantage of the new low rates in which case he said we could not refinance because we are on forbearance. This was never shared with us by US BANK and had it been we would have made another decision. We want US BANK to cover the 6 months of our payments that were falsely advertised so we can refinance our home. They sold us something and did not tell us of the consequences.

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 2020-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
On XX/XX/2020 I sent Jefferson Capital Systems a letter, asking them to validate a debt, a right granted to me under the FDCPA and FCRA. They sent me a one page letter that did not bear any information worth noting. I still don't even know who they are collecting for, or if they are allowed to collect in the state of Pennsylvania. I'm extremely discouraged by my attempts to enforce my own rights, and I have met with an attorney who has advised me to document the case and file this complaint with you. Please help me! They are trashing my reputation and destroying my credit, and I don't know why!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
showing address that don't belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX 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 2020-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
The company has denied me access to its XXXX service - the online access portal to manage details, freezes, alerts and information related to my credit file. Like every other American, I never asked for Equifax to open an account on me, but they wield power over my ability to gain credit and I'm forced to deal with them. There have been multiple attempts by fraudsters at opening credit cards, adding erroneous personal information to my file and purchasing items using my existing credit cards ( including a {$28000.00} purchase a few months ago ). It's unreasonable that I'm not allowed to access my file online and have to resort to mail correspondence, which is even further delayed during the pandemic. All the company says is that I'm " ineligible due to information during my registration. '' That's no excuse for verifying my identity and giving me reasonably fast access to my file. Forcing me to use mail is lazy and borderline criminal given the outsized importance they have in my ability to gain credit. All I want is access to XXXX like everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX accessed my personal credit history through Equifax without my authorization or knowledge. It has had a negative impact on my credit score and creditworthiness. 

I have never attempted to open an account nor have I ever inquired about services or given authorization for XXXX XXXX XXXX XXXX to obtain my credit history. I do not even live in Nevada. Equifax provided only an address as contact info for XXXX XXXX as shown above. I sent a certified letter to XXXX XXXX requesting an investigation and additional information to assist me with reporting to the correct authorities, but that letter has come back as " RETURN TO SENDER, ATTEMPTED-NOT KNOWN ''. 

At this point I am unsure If someone used my identity to attempt or successfully open an account with XXXX. Or if XXXX fraudulently accessed my report as they have been shown to do in the past, as evidenced by lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I was looking for a XXXX loan and a guy named XXXX called me from a loan company named light stream loan, he said they work off a trust basis which meant he would deposit money into my account and I send it back on a XXXX card, he told me not to look into my bank information with XXXX because we both couldnt be on line at same time, he told me he deposited XXXX into my account any I was to send it back and I did, I asked when would I receive the XXXX he said it was a problem with my credit and he would have to deposit another deposit into my account and I was instructed to do the same thing and again he said he needed to make it appear that I had money in my account to his leading bank and he said he deposited XXXX and I sent it to him, he was extremely convincing that he was helping me build my credit and the XXXX would be in my account, I called the next day and he did not answer and said he was in hospital so I ask to speak with someone else he hung up and at first blocked my call. I then sent him a picture of my bank statement and asked if he was making claims on bills I already paid and having me send him the money he assured me that it was legal and he was looking out for me, but by this time I knew he was full of stink and we exchanged words and I shut down my account because he had all my information all of it he said he needed it to transfer money from my account to his banks ( lies ). I made police report and have all copies of his and my conversation where he is telling me how to put the money on XXXX cards and how much, I have all my bank statements from where he took out claims on my rent ect.. I know I was silly but he knew I was desperate I think and even told me he would black out my ss number! Dont know what that mean but he and light stream loan has hurt my family greatly can you please help me! I have all the paper work it was a fake loan I think I reported to consumer credit they told me to contact you guys am not sure if I am doing this correctly but I need help please!!

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