vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: NJ

Complaint narrative:
On Monday, XX/XX/XXXX, I discovered that my XXXX old son was the victim of a click-through scam by NetSpend. More specifically, my minor son shared that he was watching sports car videos on XXXX when he was solicited by various pop ups to see " fast cars. '' Upon clicking the pop ups, he was asked for his personal information ( e.g., name and address ). My minor son shared that he did not enter his date of birth. And he does not know his social security number, so it begs the question how NetSpend was able to issue a PrePaid card in his name - especially as it is unlawful for credit to be opened for a minor. Following a call with NetSpend, it has closed the account. I intend to file a complaint with NetSpend corporate offices, as well as freeze my son 's credit. Additionally, I wanted to file a complaint with the CFBP about the improper activity relating to a minor. 

Should you have any follow-up questions or need additional information, please contact me by email at 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 2020-03-03 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans or gave anyone authorization to. I have never went to school. I opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$3600.00} DPT ED/XXXX XXXX {$6800.00} DPT EDXXXX XXXX {$1800.00} DPT EDXXXX XXXX {$9100.00} DPT EDXXXX XXXX {$3700.00} DPT EDXXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$570.00} XXXX  XXXX {$12000.00} XXXX XXXX XXXX {$480.00} XXXX XXXX {$2700.00} XXXX  XXXX {$600.00} XXXX XXXX   XXXX {$660.00}

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 2020-03-03 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans or gave anyone authorization to. I have never went to school. I opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$3600.00} DPT ED/XXXX XXXX {$6800.00} DPT ED/XXXX  XXXX {$1800.00} DPT ED/XXXX XXXX {$9100.00} DPT ED/XXXX XXXX {$3700.00} DPT ED/XXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$570.00} XXXX XXXX {$12000.00} XXXX XXXX XXXX {$480.00} XXXX  XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX   XXXX {$660.00}

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 2020-03-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are many unknown, suspicious items I am not familiar with and some inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security number. 

XXXX XXXX XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Scott Fetzer Financial Group Inc.
State: OH

Complaint narrative:
Purchased a XXXX vacuum system billed through XXXX XXXX XXXX XXXX. 

I had missed a payment over a year ago and the company started attaching late fees to my account every month because I did not date my payment for the due date ( I had paid multiple payments BEFORE the required due date and in many case paid a few dollars more. ) I have all bank statements that show a payment every month. 

Every time I attempted to speak with customer service I was told there is nothing they could do to stop the late fee from becoming so high and continue to add fees even though I pay my monthly due amount. So essentially, I will NEVER pay this off. 

I offered to return the item and repeatedly asked to terminate the agreement and all requests made to UCFS were not granted due to original product contract. 

I continue to pay the monthly amount due per contract agreement and I'm STILL receiving calls regularly that state I need to get my account current to avoid further action but every time I ask to speak to a manager or supervisor, I am told there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: Penn Credit Corporation
State: KY

Complaint narrative:
I had a call from XXXX. They asked if was the resident, immediately asked for personal information without saying their name or who the company was. I had to asked for her name and the company name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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 was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are many unknown, suspicious items I am not familiar with and some inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security number. 

XXXX XXXX XXXX {$11000.00}

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 2020-03-03 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 was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are many unknown, suspicious items I am not familiar with and some inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security number. 

XXXX XXXX XXXX {$11000.00}

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 non-monetary relief
Consumer complaint received 2020-03-03 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: ERC
State: TX

Complaint narrative:
I open an account with XXXX in XXXX and it went delinquent in XXXX. This was placed on my credit report in XXXX. I was contacted by diversified consultant about paying this account but they were never willing to negotiate. Now a new collection debt agency has taken over the account and reported this to the credit report bureaus as an account that went delinquent in XX/XX/XXXX. This has affected my XXXX XXXX and I need them to report this information correctly to all Credit Report Bureau. 

The account with XXXX was opened in XXXX and it went delinquent in XXXX not XXXX.

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

Complaint narrative:
I had a simple credit freeze with each of the three credit reporting agencies, Experian, XXXX   and XXXX. I want to refinance my home and lock in an exceptional low rate. Locking in an interest rate must happen day of, but they have to also pull your credit report from all three of the credit reporting agencies. 

I called XXXX, spoke with a representative, answered security questions and they lifted the freeze immediately. I called XXXX, and a few clicks of the phone keypad they also lifted the freeze immediately. I went online with Experian to also release the freeze. I input all the required information and my PIN and they required that I mail in my government identification, utility bill and my social security card. How is that secure? I called Experian and tried to speak with a live person, but no luck. I called many, many, many times trying to speak with a representative and it was all in vain. It is absolutely unacceptable that a credit reporting agency, that owns your data, and has such the power over, and affects every single adult person in the United States, does not allow its customers the opportunity to speak with a live human being. I have now lost out on the interest rate, and Experian has caused me financial harm.

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 2020-03-03 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: NV

Complaint narrative:
We sold a home last year and XXXX XXXX refused to credit our account after acknowledging receipt of the payoff amount they requested. That case was reported as case number XXXX XXXX claims to have sent notification to the credit bureaus that our loan was never delinquent and yet here we are three months later and no changes appear on our credit history. PLEASE tell us what we need to do to have our credit history restored to what it should have been before XXXX fraudulently intervened. We need this fixed with all credit bureaus. 

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 2020-03-03 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: AL

Complaint narrative:
I disputed this inaccurate account on XXXX of 2020 with all three major credit bureaus, ( XXXX, XXXX and Transunion ). The account I disputed was XXXX XXXX and dispute reason was that this closed charged-off account is adding interest to the account. By the FCRA, I believe this is a violation. I asked for this account to be deleted immediately and neither one followed the fcra laws. So I'm contacting the cfpb to get involved and help with 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 explanation
Consumer complaint received 2020-03-03 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: DISCOVER BANK
State: MA

Complaint narrative:
I did not authorize or have any knowledge of such inquiries. 

DISCOVERBA - XX/XX/XXXX XXXX  DISCOVER FINANCIAL SER Bank Credit Cards XX/XX/XXXX XXXX   XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX Credit Unions XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including 4 inquiries that I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts form my name. 

XXXX  XXXX {$420.00} XXXX   XXXX  XXXX {$420.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$61.00} XXXX XXXX {$71.00} XXXX XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I disputed this inaccurate account on XXXX of 2020 with all three major credit bureaus, ( XXXX, Equifax and XXXX ). The account I disputed was XXXX XXXX and dispute reason was that this closed charged-off account is adding interest to the account. By the FCRA, I believe this is a violation. I asked for this account to be deleted immediately and neither one followed the fcra laws. So I'm contacting the cfpb to get involved and help with this issue.

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

Complaint narrative:
I disputed this inaccurate account on XXXX of 2020 with all three major credit bureaus, ( Experian, XXXX  and XXXX  ). The account I disputed was XXXX XXXX and dispute reason was that this closed charged-off account is adding interest to the account. By the FCRA, I believe this is a violation. I asked for this account to be deleted immediately and neither one followed the fcra laws. So I'm contacting the cfpb to get involved and help with 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 explanation
Consumer complaint received 2020-03-03 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I did not authorize or have any knowledge of such inquiries. 

XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XXXX Bank Credit Cards  XX/XX/XXXX XXXX   CITI CARDS CBNA Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Unions XX/XX/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 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp
State: UT

Complaint narrative:
Hello, I closed on the sell of my property XX/XX/XXXX and have yet to receive a payoff quote from the mortgage lender. A notice of default was recorded on XX/XX/XXXX. Security National Mortgage Company has had a request from XXXX XXXX for several weeks and have yet to provide the information needed to pay off the mortgage, stop the accrual of interest and attorney fees. Another month has rolled due that I will be forced to pay. 

The title company called me XX/XX/XXXX to ask for my assistance with obtaining the payoff because no one was helping them at Security National or acknowledging their requests, even with the provided borrower authorization form. 

After speaking to Security National and being transferred multiple times, hung up on, waiting on excessive holds and being denied the request to escalate they informed me the payoff would need to be requested from the foreclosure attorney. Until XX/XX/XXXX no one had informed the title company this, even with multiple requests they failed to acknowledge and forward the request to the attorney. In speaking to them they do not have a process for this. We attempted to escalate the matter but the attorney and Security National played the blame game for the delay. Again, as of today we still do not have the payoff. 

I fear there are critical processes missing with this company and know they are outside the regulatory timeline to provide a payoff quote. I am frustrated that I will be paying another months interests and any attorney fees accrued during their delay. 

Thank you

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

Complaint narrative:
I checked my credit report and noticed several accounts that I believe to be fraudulent. None of these have been solicited or used by me and now they are tarnishing my credit rating tremendously. This is crippling my ability to make the moves I need to for my family like a high paying position which I am more than qualified but this is the only thing that is stopping me. My information was probably stolen due to one of the data breaches but I am not sure and still trying to figure out. Please help my family and I get to the bottom of this so we can move forward from this already thank you in advance.

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 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUIDANCE RESIDENTIAL, LLC
State: FL

Complaint narrative:
The lender is charging me interest rate of 6.5 % PLUS 'ACQUISITION ' fee of $ XXXX/month and XXXX FEE ' of $ XXXX/month making aggregate overall interest rate over 12 % on my primary residence. 
I feel this is 'predatory ' lending especially since i am on XXXX and XXXX years old. 
I have requested the lender several times to give me a consideration to reduce the interest rate since national interest rates have fallen all time low.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including 4 inquiries that I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts form my name. 

XXXX  XXXX {$420.00} XXXX   XXXX  XXXX {$420.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX {$61.00} XXXX XXXX {$71.00} XXXX XXXX {$100.00}

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 2020-03-03 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including 4 inquiries that I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts form my name. 

XXXX XXXX {$420.00} XXXX   XXXX  XXXX {$420.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX {$61.00} XXXX XXXX {$71.00} XXXX XXXX {$100.00}

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 2020-03-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I deposited XXXX dollars in Wells Fargo CD. When I tried to withdraw the money, they told us that account no longer exists. 

Therefore, there is no record of our account and they cant give us money back. Basically they lost our money. 

I tried to XXXX their answer and I see that they consistently involved in those practices - stealing money from people. 

And nobody makes them accountable for what they are doing. 



According to XXXXs article published on XX/XX/2018 they stole XXXX from Widow. Also another article from XXXX XXXX XXXX states that Wells Fargo again cant find XXXX dollars CD for another customer. 

https : XXXX I have attached our Certificate of deposit here as an evidence that we deposited XXXX dollars to their account. 

Please help us to get our money back and spread the word about this. I am also going to contact newspapers, news and other departments so that they can spread the word about the bank. This bank needs to be investigated!

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