vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have talked to discover banks fraud unit about my certifcate of deposit and to my XXXX XXXX XXXX XXXX and to my XXXX XXXX XXXX also my XXXX XXXX and to XXXX XXXX  and to XXXX XXXX   and to XXXX XXXX and also to XXXX XXXX XXXX also XXXX and XXXX about my accounts and cds   roths ira and home loans and i have been discrinated aginst a home loan and that my certifacates of deposits are not funded that my my accounts have been closed because the they were not funded as of today iam not able to recive any of my money or retain my ETFS or divideds are the mutraity of my envestments iam having financal hard ship and i am currently homles and have no others means to file this report and there has been other issuse with my credit report and overpayment to my chidsupport the county of orange says iam 180  days late but on my credit report it says i have been late in only 1 to 3 days late in past 7 to 10 years i belive my idenity has been stolen plus my mail and delivers of prouduct are be stolen i have not recived my credit cards either all of this in the past 5 years i have been comuncating with all financal instatuisons orders from google have been payed for and i have not receved payment or prouducts from these companys iam in need of help with these matters and thank you for your help sincely XXXX XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: AZ

Complaint narrative:
The following accounts and credit inquiries listed on my XXXX XXXX and Experian credit report is all fraudulent and are not my accounts : XXXX   XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, The XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 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: FL

Complaint narrative:
I recently checked my credit report and i see that there are some hard inquiries ... I am in the process of trying to purchase a home so I am formerly requesting that all hard inquiries are removed from credit reporting agencies that are not linked to any open accounts including but not limited too XXXX, XXXX, TransUnion etc. I need these removed as soon as possible being that it is hindering me from what I need to get done. Also there are a lot of addresses that are being reported that I have no connection to I would like for those to be removed also 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
Consumer complaint received 2019-07-31 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: MN

Complaint narrative:
The following accounts and credit inquiries listed on my Trans Union, XXXX and XXXX credit report are all fraudulent accounts and credit inquiries, and are not my accounts or credit inquiries : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX XXXX, {$430.00}, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX. I been receiving harassing, threatening and annoying phone calls of abusive and profane language, threats of legal action, arrest, jail, prison, harm, XXXX and XXXX, from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and Debt Collectors, which is an egregious, illegal and a violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

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 2019-07-31 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:
I have a collection showing up on my credit report for an apartment I never lived at. Attached are the documents required to submit and process my claim. The bureaus have become increasingly difficult to deal with. I just want this nightmare to be over. I noticed the collection in XX/XX/2019. Not sure if its because of XXXX data breach or not

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 2019-07-31 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove inquiries done by these companies Please remove inquiries done by these companies XXXX, XXXX, XXXX XXXX - this company did an authorized inquiries several times on different dates! XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, DEPT OF ED, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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:
I have a collection showing up on my credit report for an apartment I never lived at. Attached are the documents required to submit and process my claim. The bureaus have become increasingly difficult to deal with. I just want this nightmare to be over. I noticed the collection in XX/XX/2019. Not sure if its because of EFX data breach or not

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report and these are suspicious to me : XXXX, XXXX  and 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 2019-07-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The company mentioned below ran unauthorized credit inquiry on my credit report and these are suspicious to me : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SML Capital, Inc.
State: NV

Complaint narrative:
XXXX XXXX  Agent XXXX XXXX. On closing day XXXX XXXX was not present, they had the closing paper ready for us to sign with my wrong last name and the notary XXXX XXXX from XXXX XXXX XXXX ask me to sign then she just cross my last name, I ask XXXX XXXX ( XXXX XXXX assistant ) to re-print then with the correct last name. I had provided my ID in 2 previous occasions and they make copies of it. This is so unprofessional not be ready with the proper documentation on signing day. Few days after signing XXXX XXXX called me to ask for my marriage certificate that the loan company ( XXXX ) requested this document last minute yeah right. XXXX XXXX ( XXXX XXXX ) promise us that the loan will be fund it in 3 days and it was I lie it took 7 days for us to get the money in our bank account. I really dont understand why XXXX XXXX doesnt look more into the job of their employees ( XXXX XXXX ) they try to get your business by lying to you and she is been in business for over 15 year I really dont understand how is this possible this company is the worst. We will never recommend we are also filing a complaint with the XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: PA

Complaint narrative:
Card ending in XXXX I never requested or activated reported it lost a year ago my SSI benefits were pending on this card for XX/XX/19 I was sent new card week ago XXXX asked to have my benefits direct deposited on that card I was denied just got it two days they would not close that lost or send my benefits to my new card want me to wait get new card after XX/XX/19 phone be off no food no personal items the direct express refused to do a card transfer to my new card keep lying on phone to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The company mentioned below ran unauthorized credit inquiry on my credit report and these are suspicious to me : XXXX XXXX I

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 2019-07-31 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: MN

Complaint narrative:
The following accounts and credit inquiries listed on my XXXX XXXX, XXXX and Equifax credit report are all fraudulent accounts and credit inquiries, and are not my accounts or credit inquiries : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX XXXX, {$430.00}, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX. I been receiving harassing, threatening and annoying phone calls of abusive and profane language, threats of legal action, arrest, jail, prison, harm, violence and death, from XXXX XXXX XXXX and XXXX XXXX XXXX Call Center Representatives and Debt Collectors, which is an egregious, illegal and a violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: MN

Complaint narrative:
The following accounts and credit inquiries listed on my XXXX XXXX, Experian and XXXX   credit report are all fraudulent accounts and credit inquiries, and are not my accounts or credit inquiries : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX XXXX, {$430.00}, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX. I been receiving harassing, threatening and annoying phone calls of abusive and profane language, threats of legal action, arrest, jail, prison, harm, violence and death, from XXXX XXXX XXXX and XXXX XXXX XXXX Call Center Representatives and Debt Collectors, which is an egregious, illegal and a violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

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 2019-07-31 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: GA

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 # and contacted the police department and obtained a police report # which both are attached. Please 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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

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 # and contacted the police department and obtained a police report # which both are attached. Please 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 :

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 2019-07-31 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Hi, My Name is XXXX XXXX. 

I took a master credit card ending with # XXXX issued by Synchrony Bank in XXXX/XXXX XXXX 
I did a spend of approx {$80.00}. I had taken the card at one of the sams club. 

the person who issued me the card took my email address and residential address all wrong. as a result i never got my credit card statement and i was not aware of the due payment. bank reported it to credit agency. 

one day in XXXX/XXXX, XXXX bank called me notifying of missed payment and then I came to know about this pending payment. I got the email address and residential address corrected in their system and i also made the due payment. 

i told bank the reason of missed payment that I never got the statement in email or my address, bank also realized the miss at their end that the contact details were wrong. so they asked the credit agency to take the missed payment off my record. this request bank sent to credit agency in XXXX, XXXX. 

i was told within 60 days the missed payment would be taken off my record. it is more than 90 days and i am not getting any satisfying response from bank on this issue. 

they are not responding correctly and are wasting my time. 
due to this issue my credit score dropped more than XXXX points and i am facing issue getting good mortgage rate and my plan to purchase a home is getting delayed. 

i seek compensation from bank and immediate resolution on this issue please. 

appreciate all help. 

regards, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX and XXXX XXXX easily locked my credit. Experian is refusing to do so unless I prove my identity? If they can track me then they must know who I am.

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 2019-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: AE

Complaint narrative:
On the XXXX of XXXX, I deposited a check for {$3000.00} to my Suntrust Savings account. The check was from my personal XXXX account. The check cleared and the money was deposited in my Suntrust account, however the very next day my Suntrust accounts were closed by Suntrust and placed into fraud review. I called Suntrust customer support on multiple occasions to address the concerns. On every occasion I was told I couldn't be helped and to wait and see what the fraud review was all about. I went to address this problem in person at my local branch, XXXX XXXX  SunTrust Branch. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, VA, both the customer service representative and the branch manager tried to help obtain more information about the case and I was told they cant help. I provided both the customer service representative and the branch manager, copies of the deposited check, XXXX XXXX statements showing the funds were withdrawn, and Suntrust statements showing the funds were deposited and I was told again, its a fraud case and there is nothing that can be done or that I can do. Its been about 5 months without any clarification or mention of when I will obtain my funds. I've spoken to XXXX and they said if it was fraud, Suntrust would never have deposited the check, and if they were investigating it, that the investigation would not last more than 30 days. The local branch echoed the same information XXXX told me too. 

I am unsure what to do now. The management of this case has been mind boggling and we still have no answer. At this point in time I believe Suntrust has not acted fairly or been clear about the suspected fraud even when provided all the material evidence : deposited check, bank statements and pay stubs from the U.S. Department of State. In addition, I believe this is an act of discrimination that can no longer be tolerated. Suntrust has not only withheld my money, but has also caused significant stress on my financial standings by closing my accounts, freezing my money and demanding payment of credit cards even though the bank has frozen my funds.

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 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Several items were stolen from my home which includes my XXXX, my cellphone, tv XXXX   tablet, debit card. I reached out to chase bank and visited the branch due to these charges that were not authorized by me due to the card not being in my possession. Chase refunded my money and then later denied my claim stating that I did not have a valid proof that my card was stolen. Im unsure of this because If I call and say my things were stolen anything that was done with my card whether In person or online banking can not validate that my card was still in my possession. I have XXXX funds I have kids and bill that has to be payed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: PA

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 # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit 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 non-monetary relief
Consumer complaint received 2019-07-31 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: PA

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 # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit 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