vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 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: MS

Complaint narrative:
I have tried contacting the credit bureaus on numerous occasions. The balance they are reporting on my credit reporting is different from the letter that i acutally received from the actual company. I have informed this of this and they have only sent letters back saying the information is " verified as accurate '' .i also asked that verify the account belongs to me and i was sent the letter attached instead. im hoping you can help me.

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 2019-11-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2019-11-08 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 don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2019-11-08 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 don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: AZ

Complaint narrative:
I checked my Equifax credit report and I noticed that an old account from XXXX showed up. This account was removed a few years ago and has just showed up again. This account was discharged due to XXXX and XXXX  XXXX years ago. There is no reason that this should have been added to my report. This account is old and is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: OH

Complaint narrative:
I have an account from XXXX XXXX that is Fraudulent! I have requested that XXXX XXXX # XXXX, XXXX XXXX XXXX froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I have requested a credit block on all of my Credit information. This is my official Police report on file.

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 2019-11-08 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: MI

Complaint narrative:
There is a credit inquiry from XXXX that is showing on my account from XXXX. This is not mine and I have already contacted both XXXX and Equifax. 

It also shows XXXX as my employer, which is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
I went through a nasty divorce and simply want to get my credit and finances back on track. All I want is NationStar/Mr Cooper to please remove all of the reporting that they are furnishing to XXXX, XXXX, and XXXX. The account balances and past due information is inaccurate and damaging my credit profile. This was a joint account however I am taking the brunt of this after the divorce. I lost my home I simply want to get my life back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-11-08 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: OH

Complaint narrative:
I have an account from XXXX XXXX that is Fraudulent! I have requested that XXXX XXXX # XXXX, XXXX XXXX XXXX froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I have requested a credit block on all of my Credit information. This is my official Police report on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 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: MS

Complaint narrative:
I have tried contacting the credit bureaus on numerous occasions. The balance they are reporting on my credit reporting is different from the letter that i acutally received from the actual company. I have informed this of this and they have only sent letters back saying the information is " verified as accurate '' .i also asked that verify the account belongs to me and i was sent the letter attached instead. im hoping you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have tried contacting the credit bureaus on numerous occasions. The balance they are reporting on my credit reporting is different from the letter that i acutally received from the actual company. I have informed this of this and they have only sent letters back saying the information is " verified as accurate '' .i also asked that verify the account belongs to me and i was sent the letter attached instead. im hoping you can help me.

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 2019-11-08 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: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
This is as much of an inquiry as it is a complaint. I have had Navient as my student loan provider for years. I have been making payments for a decade. A good stretch of my life was spent paying more than the interest to pay off principal, but the principal never appears to go down. I saw in the news that CFPB has sued Navient and I would like to see what resources are available for me. I will say that I fall under one of the groups harmed as I am a teacher. I was told that getting loan forgiveness of up to {$5000.00} ( that's the allotment for social studies teachers ) was not going to be an option because I had a late payment. I did not realize I had a late payment. 

The other problem is that I have worked at a XXXX XXXX XXXX for two year, not five. I do not necessarily take issue with that, but teachers at XXXX XXXX XXXX are working just as hard. I have a total of three years in XXXX XXXX. My first two years were at a XXXX XXXX XXXX. My current XXXX ( where I was placed by the district ) was XXXX XXXX only one year as a response to Hurricane Harvey. 

Please inform me what can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with 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 2019-11-08 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: EQUIFAX, INC.
State: KY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
Swiss collebey is way to much for me to afford on my own or the credit cards I didn't know who affenct my crideit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I opened an account, set for auto renewal in XXXX at the HSBC at XXXX XXXX XXXX in XXXX. It renewed several times without error. The last auto renew was set for maturity on XX/XX/XXXX. The interest was never added AND the account never auto renewed. I never received notice of this maturity and the {$5000.00} sat in my online banking. 

On XX/XX/XXXX I logged into my banking and noticed the CD was closed and the money was gone. On a phone call that day, HSBC said they had cut a check and mailed me a notice as to why the account was closed ( these were went XXXX ). As an act of good will, I was told the check was cancelled and the {$5000.00} ( without the two terms of my 0.075 % interest in two 6 month auto renewed CDS ) would be deposited on XX/XX/XXXX into my savings account. 

By XX/XX/XXXX, the money hadnt arrived. Now customer service is refusing to give me details on where the money is and if I will get it back. The bank never notified me in writing, phone call or email about : -- any maturity to the account after XX/XX/XXXX -- why the account was closed -- why the CD did not auto renew -- where the funds would be relocated ( via check or deposit ) I am currently without answers and no one from a branch or customer service will give me an answer as to what happened to my funds and if I will be getting them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: MI

Complaint narrative:
My credit monitoring service alerted me that XXXX XXXX XXXX pulled my Transunion credit report on XXXX XXXX, 2019 twice. I believe these two inquiries belong to someone else because I did not apply for any account with XXXX XXXX XXXX in XXXX 2019. 
On XXXX XXXX and XXXX XXXX, I called XXXX credit card application status. They could not locate any application with my social security number. And they can not help with removing the wrong credit inquiries. 
I also called Transunion to request an investigation and remove the wrong inquiries, but it was unsuccessful because they required a statement from XXXX to request the removal of the inquiries. 
At the moment, it is difficult to contact XXXX for 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 explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I have been a customer of Wells Fargo since XXXX having recently closed my bank accounts due to these ongoing issues. I procured my WF credit card in XXXX and it has been down hill since then. Wells Fargo is mismanaging my credit card and you need to know this. Payments have disappeared, money has not been credited to account, automatic payment form has a forged signature, and credit line changed without contact, and more. This mismanagement is so egregious that their own employees have agreed that there has been improper handling of this account. 

I have been dealing with issues on the credit card for three years and nothing has been resolved. Talked with three different people in executive office, numerous branch officials, and countless phone customer service agents. This led me to close accounts with WF to never bank there again. 

This is in line with their previous illegal practices which I do not mind seeking litigation for this issue.

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 2019-11-08 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:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with 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 2019-11-08 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:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I purchased two items at XXXX. 1st one was under 12 month promo no interest in XXXX, the second was not on promo in XXXX. 
I purchased the second item in XXXX and made a full payment to pay it off. The first statement in XXXX showed that I paid off second item. I then see on the next statement i XXXX that they applied my payment to be split between no interest promo item and the second item I purchased and now I am incurring interest charges. I reached out to customer service via email and they explained a process in which they split payments even on promos and it was very confusing and didn't make sense to me as I understand that payments are to be allocated to the account that has highest interest first. I asked them to correct the error and they sent the same guidelines with no resolution to the problem. I sent another email requiring them to reallocate the payment and they declined. 
Please see attached emails and statements showing the balances and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My credit monitoring service alerted me that Bank of America pulled my XXXX   credit report on XXXX XXXX, 2019 twice. I believe these two inquiries belong to someone else because I did not apply for any account with Bank of America in XXXX 2019. 
On XXXX XXXX and XXXX XXXX, I called BoA credit card application status. They could not locate any application with my social security number. And they can not help with removing the wrong credit inquiries. 
I also called XXXX  to request an investigation and remove the wrong inquiries, but it was unsuccessful because they required a statement from BoA to request the removal of the inquiries. 
At the moment, it is difficult to contact BoA for 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 non-monetary relief