vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis is refusing to comply with the law. I requested " the procedure used to determine the accuracy and completeness '' as to how the bankruptcy information got on my report. LexisNexis is improperly, inaccurately, and incompletely verifying information on my report and the bankruptcy. This report is provided by SELLING MY INFORMATION to the 3 credit bureaus ( XXXX XXXX XXXX ) who are also directly using LexisNexis ( a third party system ) to verify the accuracy of the bankruptcy that are on all three of my credit reports. Therefore, I have a right to know how LexisNexis is claiming they are AGAIN using a third party system ( XXXX  ) to verify a bankruptcy on my report. They are also claiming the address on this third party system ( XXXX  ) reflects an address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX, which LexisNexis also obtained from this third party system. However, NONE of the 3 credit bureaus ( XXXX XXXX XXXX ) show that address on my report. Therefore, under the FCRA, LexisNexis is inaccurately, incompetently, and lackadaisically verifying information through third parties when they must go to the original furnisher of that bankruptcy. XXXX  is not. The Court is the original provider and they do not furnish this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: OH

Complaint narrative:
Dovenmuehle Mortagage, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, Il XXXX. On XX/XX/20, I called this company to make a principal payment on our mortgage loan. I was instructed to put in writing a letter requesting to recast the mortgage, attn : special loans number ( our loan # ). On XX/XX/20. the " research '' dept. acknowledged my request. I have called the company on XX/XX/20 and XX/XX/20 requesting the status of determination to my request. I was told, I couldn't talk to anyone, because they didn't even know the name of the person handling my request because their staff was working from home. They also informed me my loan was being sold to another company XX/XX/20. It has been over a month, no written response, no accountability, no customer service, the response being a non- response. What business operates in such a wreck-less, evasive, secretive manner. I turned to the XXXX-IL, there are 208 complaints re : Dovenmuehle, so that tells me this company is not operating above board in an efficient, responsible manner, with very disturbing customer relations. I want my request in writing pronto. All they have to do is plug in some numbers, then instruct me where/what department to send my check. Why, is this so hard? This company was assigned to us, by another mortgage company, we didn't chose them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Credit Education Services
State: MS

Complaint narrative:
I signed up with United Credit Education Services in XXXX XXXX, with the expectation of removing items from Credit Report. I have been with this company for five months and paid {$630.00} and the terms of the contract has not been fulfilled. Today, my credit repair agent, XXXX XXXX stated that she was discontinuing my service because she did not like the fact that I was asking questions about the process, although the company took withdrew another {$89.00} out of my bank account last week. 

Before I contact an attorney, I would like a refund of the {$630.00} that I have submitted to this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
They have closed my account without notice! When I called them they said it was due my credit report and not making payments however I am currently on COVID relief programs with all my cards.

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 2020-08-26 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: CITIBANK, N.A.
State: CO

Complaint narrative:
This is my second complaint against Macy 's refer below Consumer Financial Protection Bureau Case # XXXX I received the reply and called the number asking to talk to the person who wrote to me. 

I called the number and multiple times, a nice sounding gentleman assured me he would make sure she called me back. And that they take these matters seriously! 

In the reply from Macy 's I was told that I would have seen the following information when this happened as follows ; - " I apologize if it was not made clear that you were indeed opening a new Macys XXXX XXXX credit card account. Our research shows the account ending in XXXX was opened on XX/XX/2020. In order to apply for a Macys credit card account, you have to give a form of identification ( generally a drivers license ) to the sales associate. The associate would have used the identification to enter your name and address into the application. You would then be presented with a screen that reads, You will be considered for both the Macys XXXX XXXX Card and the Macys Credit Card. If approved for both, you will be able to select which card you would like. You would have been prompted to enter your date of birth, Social Security number, telephone number, and income and housing expense information on the signature pad. You were then presented with all the entered information and asked to validate that it was correct. Finally, you would have been presented with a screen asking for your signature. Above the signature line, it reads, Thank you for applying. '' As I wrote the first time, the associate tricked me into giving him my details saying my Macy 's card was expired. A total lie, and as I was keeping my distance due to Covid he told me he would press the keypad to key in my social security number. I never saw any messages regarding a Macy 's XXXX XXXX Card, the associate intentionally avoided using that wording so I would believe all I was doing was re-activating my Macy 's card. 

I feel violated by the whole experience, and while there were nice words on how sorry they were, Macy 's did nothing and did not follow up on their promise to cancel my card and remove the credit check so my credit was affected by this as well. I called 6 times two times spoke to a gentleman who assured me I would get a call back, and the other times left voicemail messages. 

Regards, 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 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I tried several times to call them, write them letters stating that account was open without my knowlegde provided policy report and followed identity theft recovery steps. 
They reported me to collection department.

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 2020-08-26 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our report since we first found out 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. XXXX XXXX {$6300.00} XXXX  XXXX XXXX {$400.00} XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX {$460.00} XXXX XXXXXXXX XXXX {$400.00} XXXX  XXXX XXXX {$10000.00} XXXX  XXXX XXXX {$990.00} XXXX XXXXXXXX {$4800.00} XXXX   XXXX XXXX {$400.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX   XXXX {$390.00} XXXX XXXXXXXX {$390.00} XXXX XXXXXXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX {$710.00} XXXX XXXXXXXX {$400.00} XXXX XXXX XXXXXXXX {$31000.00} XXXX XXXXXXXX XXXX {$2200.00} XXXX XXXX {$320.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$15000.00} XXXX  XXXX {$0.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$830.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: NH

Complaint narrative:
I've been trying to dispute incorrect information on my Transunion credit report since XX/XX/XXXX, XXXXThe account is " XXXX XXXX XXXXXXXX XXXX '' for {$200.00}. My first dispute was on XX/XX/2020 with no investigation or response from Transunion. My 2nd attempt to follow-up and let them know that they have violated the law by not responding to my dispute was on XX/XX/2020. Each time I've disputed the item with Transunion they received the dispute as it was tracked via Certified mail with tracking receipt. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), Credit reporting agencies have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
My friend wrote me a check from XXXX XXXX  with {$1100.00} on XXXX. He forgot to write my name on the check. I deposit the check into Citibank on XXXX XXXX. Citibank hold the money and refused to send the money back to XXXX. I called to Citibank multiple times. They insisted to say if I want the money back to my friend, XXXX needs to claim a file on that. While XXXX said the money had been charged by Citibank. They couldn't do nothing on this. So the money is hold on Citibank and I can't get my money back to my friend 's 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 2020-08-26 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: FL

Complaint narrative:
I Did not request for my credit to be pull by this company. I need this remove from my credit report. This inquiry is effecting my credit score.  Which I never requested.

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 2020-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American Accounts & Advisers, Inc.
State: AZ

Complaint narrative:
I allegedly hold a debt for {$440.00}, with : American Accounts Advisors , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX They claim I took out a XXXX XXXX on XX/XX/2017. I never received a loan from this organization. Please contact them and investigate who, in fact, took out this loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is refusing to comply with the law. I requested " the procedure used to determine the accuracy and completeness '' as to how the bankruptcy information got on my report. XXXX is improperly, inaccurately, and incompletely verifying information on my report and the bankruptcy. This report is provided by SELLING MY INFORMATION to the 3 credit bureaus ( XXXX, XXXX, Transunion ) who are also directly using XXXX ( a third party system ) to verify the accuracy of the bankruptcy that are on all three of my credit reports. Therefore, I have a right to know how XXXX is claiming they are AGAIN using a third party system ( XXXX ) to verify a bankruptcy on my report. They are also claiming the address on this third party system ( PACER ) reflects an address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX, which XXXX also obtained from this third party system. However, NONE of the 3 credit bureaus ( XXXX, XXXX, Transunion ) show that address on my report. Therefore, under the FCRA, XXXX is inaccurately, incompetently, and lackadaisically verifying information through third parties when they must go to the original furnisher of that bankruptcy. PACER is not. The Court is the original provider and they do not furnish this 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 2020-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
on XX/XX/2020 i submitted a complaint about usaa federal savings transfering XXXX from my savings account to my checking account then wire transfering XXXX to an individual without my verbal permission. refer to complaint # XXXX when i realized this was a scam i called the bank and told them that my identify had been compromised.to please my accounts. a lady named XXXX at ext XXXX answered my call and did not freeze my accounts. i was not given a chance to stop payment on any of this. i spent a lot of time trying to resolve this. even after the bank closed the investagation i kept trying to resolve this scam and get my money back in my savings account. i have spoken to XXXX XXXX at ext. XXXX and XXXX XXXX at ext. XXXX they keep blaming me for giving security imformation to the scammer. i did not do this. on about XX/XX/XXXXi emailed ceo XXXX XXXX for help with my situation. on XX/XX/XXXX i reseived a call from the ceo office. i dont remember the ladys name i talked to but we discussed the case. in the discussion it was revieled to me that XXXX had not followed proper protocall. this was never brought to my attention. this bank was hideing this. also it has been brought to my attention that this bank has been giving out my saving act # instead of my checking. this was revield in a 3 way call with usaa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our report since we first found out 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. XXXX  XXXX {$6300.00} XXXX  XXXX XXXX {$400.00} XXXX  XXXX XXXX {$1200.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX XXXX {$10000.00} XXXX XXXXXXXX XXXX {$990.00} XXXX XXXXXXXX {$4800.00} XXXX   XXXX XXXX {$400.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX   XXXX {$390.00} XXXX XXXX {$390.00} XXXX  XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX  XXXX {$710.00} XXXX XXXX {$400.00} XXXX XXXX XXXXXXXX {$31000.00} XXXX  XXXX XXXX {$2200.00} XXXX XXXX {$320.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$15000.00} XXXX  XXXX {$0.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$830.00}

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 2020-08-26 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our report since we first found out 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. XXXX XXXXXXXX {$6300.00} XXXX  XXXX XXXX {$400.00} XXXX  XXXX XXXX {$1200.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX {$460.00} XXXX XXXXXXXX XXXX {$400.00} XXXX  XXXX XXXX {$10000.00} XXXX  XXXX XXXX {$990.00} XXXX XXXXXXXX {$4800.00} XXXX   XXXX XXXX {$400.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX   XXXX {$390.00} XXXX XXXXXXXX {$390.00} XXXX XXXXXXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$30000.00} XXXX  XXXX {$710.00} XXXX  XXXX {$400.00} XXXX XXXX XXXXXXXX {$31000.00} XXXX  XXXX XXXX {$2200.00} XXXX XXXX {$320.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$15000.00} XXXX  XXXX {$0.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$830.00}

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 2020-08-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. US DEP ED XXXX {$2300.00} XXXX XXXX {$460.00} XXXX   XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} US DEPT ED XXXX {$3200.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$890.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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