vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 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:
To Whom it May Concern Someone Has stolen My Identity. They Open Accounts Using My Personal Information, This is an Un bearable Stress that I need help resolving. I cant Understand how Can they use your personal Information with out you being present or having your authorization with your Signature

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 2020-03-12 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 was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I notice unknown, suspicious accounts. Please remove these accounts that do that belong to me from my report. There has been a identity theft. 

XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX   XXXX {$930.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: WA

Complaint narrative:
XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see pages 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. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue 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
Consumer complaint received 2020-03-12 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Commenity Banlk and Women Within failed to send my products I ordered to the correct address and them failed to send bill to the correct address until I notice these items on my credit report Women within stated that they would remove from credit report and they did not then was told to contact commenity bank and they told me to contact women within it just goes around and around This item should be removed from all credit reports. 
it was their fault i did not send to correct address even though I gave the correct address 3 times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 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: Credit Plus Inc
State: TX

Complaint narrative:
accounts are old and need to be removed from my report and was ran with out my consent when shopping for home loans and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
accounts are old and need to be removed from my report and was ran with out my consent when shopping for home loans and credit 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 2020-03-12 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: FACTUAL DATA CORP.
State: TX

Complaint narrative:
accounts are old and no longer valid on my report as well as a few where ran with out my consent when shopping for home loands and cards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
accounts are old and no longer valid on my report as well as a few where ran with out my consent when shopping for home loands and cards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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:
ftc violation 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 2020-03-12 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: VA

Complaint narrative:
I have never apply for this companies, i believe that somebody stole my personal information and applied for this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
: hello, my dear, I in XX/XX/XXXX, opened the schwab bank checking account and online investment account, want to learn about investing in stocks, and then I saved {$1000.00} and when XX/XX/XXXX XX/XX/XXXX saved {$4900.00} XXXX, study the investment, XX/XX/XXXX saved {$9500.00} check, because my friend didn't use the account for a long time, the bank to be on the safe side, automatic lock my friend 's bank, cause my deposit be refunded, after inquiries and the interpretation of the bank and and friends, and friends give me to write a check for {$9700.00}, I deposited it in my bank on XX/XX/XXXX. The extra {$200.00} is compensation for my loss and time! Then in XX/XX/XXXX finally can use the money, schwab has locked my checking account to the bank to make a phone call to ask, the bank customer service said my {$9700.00} cheque was returned again, my account has been closed, I feel very magical, again ask my friends, my friend said that the money has been paid, is not returned, and showed me the deductions record! Suddenly I was angry, what bank is this situation, money was already enter an item in an account, why and I said was returned, and closed my account, I took my angry mood once again make a phone call to ask, ask this check deposit and my account balance, then customer service said available balance is {$9500.00}, before I ask why the bank customer service said I deposit be refunded? Can you tell me why? And can I use the money now? Bank customer service asked why to write a check to you, because English is not good, I asked for online XXXX translation, I can express my problem, but the bank customer service not only did not call online XXXX translation, also said I can not use the account, I asked why? The bank 's customer service officer said, because they're waiting for this check to come back, then I'll owe the bank over {$100.00}, and then they'll close my account! Now I'm just waiting for this check to come back! I suddenly angry very big, this bank exactly what logic, this is what service attitude, such service, I also have never met! Really helpless!

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 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Home Loan Center, Inc.
State: WA

Complaint narrative:
My complaint LENDING TREE is CONSTANTLY sending me Emails/Texts on my personal financial history WITHOUT MY CONSENT!!! Example ... How they know my remaining balance of mortgage. My options of personal loan. I went on website to learn more about OBTAINING A PERSONAL LOAN ... But NEVER AGREED UPON IT!!!!. Please help ... THANK YOU FOR YOUR TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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:
To Whom it May Concern Someone Has stolen My Identity. They Open Accounts Using My Personal Information, This is an Un bearable Stress that I need help resolving. I cant Understand how Can they use your personal Information with out you being present or having your authorization with your Signature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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:
To Whom it May Concern Someone Has stolen My Identity. They Open Accounts Using My Personal Information, This is an Un bearable Stress that I need help resolving. I cant Understand how Can they use your personal Information with out you being present or having your authorization with your Signature

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 2020-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My Att & t credit card was protected by credit protector, safeguard. When I became ill it should have been paid off. At & t sold as debt to collection agency. Why was it not paid? 
I calculated monthly safeguard payments by years paid and it was enough to cover debt. 
The collections company is trying to shake me down for money and filed case in XXXX County Common Please Court.Please help me resolve this matter and thank you for your assistance it would greatly be appreciated. 

Contact information : 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 2020-03-12 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: VA

Complaint narrative:
I have never apply for this companies, i believe that somebody stole my personal information and applied for this companies.

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 2020-03-12 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 was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I notice unknown, suspicious accounts. Please remove these accounts that do that belong to me from my report. There has been a identity theft. 

XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXXXXXX   XXXX {$930.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1400.00}

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 2020-03-12 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 was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I notice unknown, suspicious accounts. Please remove these accounts that do that belong to me from my report. There has been a identity theft. 

XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX   XXXX {$930.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX  XXXX {$1400.00}

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 2020-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nationwide Mortgage Bankers, Inc.
State: GA

Complaint narrative:
I received a letter from " Nationwide Mortgage Bankers '' stating that my mortgage qualified for the FHA streamline program. I contacted the number on the letter and started the process. We met all the criteria for the streamline program. Mr. XXXX told me NOT to pay my mortgage for the month of XXXX. As the rates went down, I requested a lower rate and it was agreed upon by the " loan officer, '' XXXX XXXX XXXX. He proceeded to send a notary to my home and the paperwork was signed and sent back to him. The notary also took copies of our social security cards and drivers licenses. On XX/XX/2020, I inquired about the status of the closing and he called me back. He stated that he had " bad news, '' as the rates " jumped back up. '' He failed to tell me what the new rate is. He simply wanted out without any explanation. I told him that this was not acceptable behavior, and he simply told me to " call your current service '' to get the mortgage refinanced. As such, I informed him that I needed to speak with his manager but he refused to provide the information and stated : " they will transfer you right back to me. '' In addition, the company included paperwork for us to give consent to obtain four years of my tax return even though it is not required for an FHA streamline refinance. I contacted XXXX and he stated that the tax transcripts were not needed, however, it was still hidden among the papers that I was given to sign. Similarly, income and employment verification are not needed, but the paperwork was presented to sign in order to obtain the information. 

Also, he stated that he was affiliated with Nationwide Bank, however, I called Nationwide to submit a complaint and was told that this company is not affiliated with Nationwide ban

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just of couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$55.00} XXXX  XXXX {$1900.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$88.00} XXXX XXXX XXXX {$650.00} XXXX  XXXX XXXX  XXXX {$450.00} XXXX/XXXX  XXXX {$870.00} XXXX XXXXXXXX   XXXX {$1000.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Hello, I am writing to complain that my Citi credit card has been fraudulently charging my credit card for the Payment Safeguard program that I never signed up for. I just realized this in XXXX of 2019 when I was looking over my credit card statement through the Citi app on my phone. When I realized they have been charging me for this service I called and had them immediately cancel this service. I then asked them how long have they been charging my card for this and come to find it has been for almost 8-10 years. So I said I never signed up for this and would like them to refund me my money. This was my fault for not seeing this on my statement but then again I never have received a statement from them either. I just know when my payment due date is and always would call the number on my card and make my monthly payment. So long story short I called back and spoke to a manager who said that they will look into this and I will receive a letter in two weeks with their outcome. Well after doing this at least 4 times I did not get anywhere and kept getting the run around each time being transferred to a company in Texas that handles the Payment Safeguard. I asked them to provide proof of me signing up for this when at the time I probably had a {$100.00} balance in which I would not need any help with makign this payment due to the minimal amount of my payment. I can handle the low balance and I had job security so I never signed up for this service ever and it would of made no sense for me to do so to begin with. So to this date I keep going back and forth and the last response was that they could not provide proof of me signing up for this service. So my question is why do they not refund me all of the money if they can not prove I signed up. I did not sign up for this and am demanding a refund for all of those years of them charging me per month for a service I did not sign up for. It is a complete scam and have to say I am not happy one bit.

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 2020-03-12 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: NC

Complaint narrative:
I have XXXX for credit protection and monitoring from a government data breach. The problem is with EQUIFAX. XXXX has filed with them 3 times, and I called and filed and they continue to keep a fraudlent report and inquiries on my credit report ... and all this is after i filed a policy report and all other credit correction measures. Note : Both other credit agencies have removed them and the company that originally filed the report investigated and removed the claim as well. EQUIFAX is broken. Should not be a credit agency .... 

Inquiries : XXXX XXXX XXXX XXXX Account : XXXX Opened XX/XX/2019 Balance {$1000.00}

Company response to consumer: Closed with explanation