vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-03 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: CA

Complaint narrative:
I checked my credit report a few months ago, and seen an inaccurate account on my report. I contacted XXXX XXXX by letter, and asked them to verify the information. They DID NOT verify it, and i need it removed.The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there 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 2019-05-03 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: CA

Complaint narrative:
I checked my credit report a few months ago, and seen an inaccurate account on my report. I contacted XXXX XXXX by letter, and asked them to verify the information. They DID NOT verify it, and i need it removed.The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there 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 2019-05-03 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: MoneyLion Inc.
State: CA

Complaint narrative:
I checked my credit report a few months ago, and seen an inaccurate account on my report. I contacted Moneylion Inc. by letter, and asked them to verify the information. They DID NOT verify it, and i need it removed.The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: MOHELA
State: CA

Complaint narrative:
I contacted Mohela Department Of Education by letter a few months ago and asked for them to verify the information they posted on my credit report. They did not verify it, or even provide me with a signature. The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I wrote w check to myself from my XXXX XXXX XXXX 
XX/XX/XXXX i deposit a check they told me to re deposit. It cleared at my bank XXXX XXXX. They told me it didnt cash. My XXXX XXXX saying it did. I have proof. I faxed it to them They still wont credit my account. They are lying saying they cant locate my account. My XXXX account is connected to wellsfargo. XXXX XXXX said thet cashed my check.

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 2019-05-04 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: CA

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX by letter a few months ago and asked for them to verify the information they posted on my credit report. They did not verify it, or even provide me with a signature. The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there 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 2019-05-04 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:
many XXXX student loan accounts are reporting under my name, these are not mine, these were opened with out my knowledge and reporting under equifax only, they are not helpful even thought i have provided them my police report which shos that i had been a victim of ID theft, but still no answer they are not disputing properly and they are saying it was verified in two days, how is this possible., please i need you help as a consumer to have these inaccuracies removed from the equifax credit reporting agency . 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
As of XX/XX/XXXX, XXXX is once again claiming that I am a student at XXXX College. This was previously fixed but now the fix has been undone. I am not a student at any institution and have not been a student at any institution since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04 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: UT

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-05-04 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Since, XX/XX/XXXX until to this day of XX/XX/XXXX I have been disputing with National Credit System , Inc. regarding a debt I do not owe to XXXX XXXXXXXX XXXXXXXX in the amount of {$74.00}. 

I have repeatedly asked XXXX XXXX XXXX and National Credit System , Inc to provide me with proof of my signature that I have legally binding contractual obligations to pay National Credit Systems , Inc {$74.00}. 

XXXX  received documents to prove my claim of a debt I do not owe. Yet, they continue to undermine the Consumer Financial Protections Bureau with the results of their investigation to be accurate and without proof of evidence. 

The same information was presented to XXXX and XXXX for investigation. It obvious XXXX   have not investigated this claim and continue to report the information to be accurate which leaves me no choice but to file a small claim with the court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: UT

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-05-04 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: UT

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened a checking account with HSBC and deposited {$1500.00} on XX/XX/2018. I was taking part in a promotion that gave a bonus of {$200.00} if I kept a balance of at least {$1500.00} for 90 days. The bonus was to be deposited into my account 4-8 weeks after the 90 days. 

It has been more than 8 weeks, and I was told today via phone and chat that it would be another 4 weeks due to a technical glitch. This is not acceptable to me, but I was told nothing could be done about it. I would like the bonus to be deposited to my account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-04 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:
one car loan name XXXX XXXX XXXX is reporting under my name in equifax XXXX XXXX XXXX, this is an account that is not mine, i have never had a XXXX, i have been disputing and no answer yet, they are not helpful and have not been helpful. 
please find attached my police report which i received just in case and i placed a fraud alert on my name, so i would be careful. 
please help me to have this inaccuracy removed from my credit file thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
This all started when the company Seterus took over the loan from XXXX. The time they took over its been nothing but XXXX what they put me through. First they took one of my payment and applied it to my escrow account when they should of applied to the loan payment. I had sent you CFPB information before on XX/XX/XXXX. XXXX is the reference number. They said they were going to fix the information and correct it. I had sent them this information on numerous times faxing all the papers showing them all my payments. Till this day I'm still getting harass about them not getting the payments they already receive even after sent them my copies of payments. The Seterus company now sold my loan to another named XXXX and now I'm going through this whole mess again because they are informing they I didn't make my payments because of Seterus and showing them that NOW they said they didn't make a XX/XX/XXXX payment of XX/XX/XXXX to which they have copies because I sent them numerous times because of their of their misapplying the previous payment earlier to which NOW I believe was a lie about them fixing it. I know i'd made my payments and I believe I shouldn't have to go though this all over again and costing me more money to send them information they already have. I really need help with this once and for all. If I need to hire some legal help please advise. Thank you. The person I'd talk from XXXX was XXXX XXXX who inform me about what is now going on with my loan with them now and Seterus and what they inform them about me. Like I said earlier it had all started with Seterus screwing up my payment and misapplying it from the get go from XX/XX/XXXX till now XX/XX/XXXX. If you need copies I will send them to you, NOT THEM ANY MORE. They already have them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: NC

Complaint narrative:
I have been a victim of identity theft.

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 2019-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
Logging into my account this evening, I once again noticed a retroactive forbearance on loan sequences 1 and 2. I called XXXX XXXX on XX/XX/19 at XXXX EDT and spoke with employee ID XXXX. Employee XXXX told me that I previously requested that be fixed in XXXX and XXXX complied but decided to re-add the retroactive forbearance. The representative was unsure why that occurred and noted that someone at XXXX requested it be removed once again. I am absolutely baffled with what is occurring with my account and want to be sure that all payments made on loan sequences 1 and 2 can count under PSLF. This issue was previously fixed in response to CFPB complaint XXXX-XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04 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: NC

Complaint narrative:
I have been a victim of identity theft

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 2019-05-04 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:
two student loans are reporting under equifax credit reporting agency, these are inaccurate and fraud, i never had these account, i ever went to school here, i dont know who opened these loans under my name, i have been disputing these inaccuracies with equifax for more than a year and it is causing me trouble, please have these inaccuracies removed, i have been complaining for the longest time. this is not fair, please help as a consumer i need your help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: NC

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I submitted an electronic request for a {$12000.00} balance transfer from Comenity Bank ( XXXX Mastercard ) at zero % interest until XX/XX/XXXX. The transfer was suppose to pay off a XXXX XXXX creditline account. The transfer was not made to " my '' XXXX account, as of XX/XX/XXXX. I have a log of the communication between both financial institutions attached. I have repeatedly requested Comenity for a copy ( front and back ) of the check to XXXX XXXX and they have yet to comply with my request. XXXX XXXX has researched their data base with the check #, trace id # and $ amount that Comenity provided, but nothing came back. 
Since XXXX I have been paying both Comenity and XXXX XXXX with a {$12000.00} balance on both accounts. 
My last statement from Comenity shows they are charging me interest and it should be zero. ( 3 statements from Comenity are attached ) along with Letters I received regarding my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-04 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: NH

Complaint narrative:
Earlier in the year I was notified that my FICO score had dropped by 80 points. I investigated and TransUnion informed me that it was because of a collection issued. I opened a dispute because the collection was for an electricity bill in North Carolina and I dont live there, eventually I realized that it was for an investment property I own and the bill was for when the property was vacant. I paid the full amount after I called the collection agency and I told them that I was never notified. When I asked them what address they used to mail me they told me that instead of NH they had NC as the state I live in Do the bill never reached from neither XXXX XXXX or anyone. I opened a new dispute with transunion telling them that the amount should have never come for collection because I was never notified. after they completed the investigation on XX/XX/24 ( file number XXXX ) they did not make any correction as their investigation did not ask anything about the address and what I told them to look into. 

The bottom line is that my credit score has suffered tremendously for XXXX USD that I would have never had a problem to pay if I was aware of my debt, and neither the credit bureau, nor the collection agency or XXXX XXXX have been willing to help and make this right. 

I have never had a defaulted payment and I wont accept this situation hurt a great credit history. 

Thank you 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 2019-05-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a bankruptcy reporting on my credit reports along with several accounts that are related to that bankruptcy. I have made many attempts to get these errors corrected. I have also made many trips to the courthouses in my area in an attempt to locate the bankruptcy that is on my credit report. My search has not resulted in any public records that are in my name with my social security. My hopes is that Consumer Finance can aid me in initiating a thorough investigation by the credit bureaus and the removal of the bankruptcy. I have attached the bankruptcy, inquiries and related accounts to the public record.

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 2019-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a account with Wells Fargo and today I found out they have closed my account because of lack of activity. I don't think this is a sufficient reason to stop my account from being active. I use the account to cash personal check but most of my bank activity is used for business at XXXX XXXX. They did not contact me over the phone or email to warn me. I just got a email that it was closed and I called and they had no answers or solutions. This is not the first time I've had a negative experience with Wells Fargo. The bank has terrible customer service and their online site isn't as advanced as some of my other banks. I hope that anyone in the future looking to choose a bank do their research and be careful when dealing with Wells Fargo. I won't be doing business there any longer in the future or attempting to reopen my 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