vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: FL

Complaint narrative:
I bought a prepaid visa card netspend at XXXX. On XX/XX/2019 I put XXXX dollars on card to give to my daughter for school trip to wisconsin we were not able to activate card. I had to buy another prepaid card at XXXX XXXX the next day to send with her for her trip. Its now XX/XX/XXXX. We still can not use card. I tried to take it back to XXXX but they said we had to call company. I have made several phone calls to company. Been disconnected multiple times and placed on hold for about an hour each time when I finaly got through I Was told it would take a month to get this authorized.. They are asking for me to send copies of my ss card birth certificate dl. I paid for this card I have receipt to prove I paid for this card and I have purchase prepaid cards in it usally takes a half hour to get card activated I have never ever experienced this before. No where on card does it states will take a month to activate. So basically they stole XXXX dollars from me and i cant get it back. Im not a rich person and I could of used this to pay for my electric bill. I do.not need my money back a month from now and frankly there is no guarantee that if I do everything they ask me to that I will get it back I beleive they stole my money and are using every excuse they can not to give it back to me. I cant afford to wait a month I need to be able to access my money now. That is what I paid for. The. Card im having issue is is netspend visa. Thank you for your help in this matter

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 2019-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I am experiencing financial hardship and am consolidating all of my debt into a debt management plan, which LendingClub refuses to honor. If I am reaching out to LendingClub asking for their help to fulfill my obligations of my loan, how can they get away with not helping me, the consumer. I am willing to pay the remaining balance {$4500.00} of the original {$6000.00} loan amount, but with a reduced monthly payment of {$120.00} for 36 months which roughly equals {$4500.00}. This is more than reasonable and very financially responsible on my part. I just can not afford the originally agreed monthly payment of {$240.00}, which my debt management counselor at XXXX XXXX XXXX can confirm. 

Thank you, in advance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Identify theft victim ; XXXX XXXX XXXX **Completely compromised Data breach- Equifax, XXXX, XXXX, and more. 
Identity theft SSN, Birth certificate, DL, Registration, Identity theft wallet I have submitted in writing and via telephone to all major 3 bureaus XXXX, XXXX, and Equifax. XXXX, XXXX, XXXX, XXXX Issues as follow : 1. Equifax Failed to alert me of XXXX breach as I have been involved ( SSN, DL ), failed to add the requested Fraud alert, and security freeze. Resulting in more identity theft fraudulent activities. 
2. XXXX  added the security freeze successfully. Failed to add Fraud Alert.  Resulting in having to purchase complete Identity theft membership out of pocket. 
3. XXXX failed to add security freeze as well as Fraud Alert. Resulting in additional fraudulent activities. Having to purchase XXXX identity theft products for protection. 

Final results of not fully being protected by Consumer agencies who I relied on to prevent issues from arising as more activities add. Lack of protection has allowed more financial bariers to financial hardship HIGHER RISK, HIGHER INTEREST, VEHICLE REPOS, CYBER HACKING, HIGHER PREMIUMS, & Higher Deductibles /downpayment rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: SC

Complaint narrative:
Called over the phone and submitted documentation online via Experian Upload to dispute fraudulent hard inquiries from a relative XXXX XXXX, who continues to try to use my information to open accounts. I need this information blocked and or removed immediately as I am trying to apply for a mortgage and these unauthorized credit pulls are causing me valuable points. My score is finally well over XXXX, but I still receive mail offers from creditors to an old address which he still resides XXXX Single XXXX XXXX, and he continues to misuse my 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 non-monetary relief
Consumer complaint received 2019-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I got a letter in the mail dated XX/XX/2019 from Wells Fargo Bank that my mortgage loan was being transferred or sold to XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX , XXXX. Sorry if this doesn't fall into the category of what you offer to pick from the menu. I just wanted to report this. I've been a loyal customer with Wells Fargo for 25 years, I'm a Veteran. I have many accounts with Wells Fargo. This Bank , XXXX XXXX XXXX XXXX is regional and has one star reviews it's website is abysmal and is not accredited. I don't want Wells Fargo sending my loan to this junk bank. It's not right. It's criminal. I forgave them when they were opening accounts in peoples names without their knowledge but I don't think I'll forgive them for closing and selling my account and leaving me to this bank. Please make it right.

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 2019-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
To Whom It May Concern : XX/XX/XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, all sent by certified mail regarding two collection accounts being reported by XXXX XXXX XXXX, XXXX. The two accounts are regarding a Home Depot and a XXXX XXXX account. I have requested each of the three credit bureaus as well as XXXX XXXX XXXX, XXXX to validate these debts by providing a contract that bears my signature or any documentation that they can provide to prove these were in fact my accounts. Letters were mailed directly to XXXX XXXX XXXX, XXXX on XX/XX/XXXX also by certified mail. 
Unfortunately, the three credit reporting bureaus only respond by stating that the information has been updated, please review your report for the details and verified as accurate ; however, I am not observing any updates. In fact, the information is the same information as noted prior to any disputes being initially made. XXXX XXXX XXXX, XXXX only responds by sending copies of a ( one ) credit card statement, dated back in XXXX. 
In addition, I have reached out to XXXX XXXX directly and I received written correspondence which was dated XX/XX/XXXX ( a copy of a letter dated approximately 3 years ago ) which states, This letter is to inform you that the above-referenced account was sold to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. If you have any questions about this account, please contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX. 
I have attached a copy of the two certified letters that were mailed to XXXX XXXX XXXX regarding the XXXX XXXX and Home Depot accounts as well as their responses. To say the least, this has been very frustrating as a credit card statement does not prove that I opened these accounts and it has had a huge adverse effect on my credit score. I have exhausted all efforts in contacting the credit reporting agencies, XXXX XXXX XXXX, XXXX as well as the original creditor. 
Please assist me in resolving this matter by obtaining documents that reflect that I opened this account, not a credit card statement as this only reflects charges and fees, etc. 

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 2019-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
This company was reporting twice on my credit report. I disputed the charges because they are invalid and both eere removed. This company changed its name and re reported. Now i cant get a mortgage because of 2 collection medical bills

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: GA

Complaint narrative:
I was advised to contact you guys regarding some items on my credit that are not mine. I have contacted the ftc and the city police. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I'm trying to purchase a home and this is really keeping me from being able to live my life.

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 2019-03-17 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: GA

Complaint narrative:
I was advised to contact you guys regarding some items on my credit that are not mine. I have contacted the ftc and the city police. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX. I'm trying to purchase a home and this is really keeping me from being able to live my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Identify theft victim ; XXXX XXXX XXXX **Completely compromised Data breach- XXXX, XXXX, XXXX, and more. 
Identity theft SSN, Birth certificate, DL, Registration, Identity theft wallet I have submitted in writing and via telephone to all major 3 bureaus XXXX, Transunion, and XXXX. XXXX, XXXX, XXXX, XXXX Issues as follow : 1.  XXXX Failed to alert me of XXXX breach as I have been involved ( SSN, DL ), failed to add the requested Fraud alert, and security freeze. Resulting in more identity theft fraudulent activities. 
2. XXXX added the security freeze successfully. Failed to add Fraud Alert.  Resulting in having to purchase complete Identity theft membership out of pocket. 
3. Transunion failed to add security freeze as well as Fraud Alert. Resulting in additional fraudulent activities. Having to purchase Transunion identity theft products for protection. 

Final results of not fully being protected by Consumer agencies who I relied on to prevent issues from arising as more activities add. Lack of protection has allowed more financial bariers to financial hardship HIGHER RISK, HIGHER INTEREST, VEHICLE REPOS, CYBER HACKING, HIGHER PREMIUMS, & Higher Deductibles /downpayment rates.

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 2019-03-17 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: GA

Complaint narrative:
Identify theft victim ; XXXX XXXX XXXX **Completely compromised Data breach- XXXX, XXXX, XXXX, and more. 
Identity theft SSN, Birth certificate, DL, Registration, Identity theft wallet I have submitted in writing and via telephone to all major 3 bureaus Experian, XXXX, and XXXX. XXXX, XXXX, XXXX, XXXX Issues as follow : 1. XXXX Failed to alert me of XXXX breach as I have been involved ( SSN, DL ), failed to add the requested Fraud alert, and security freeze. Resulting in more identity theft fraudulent activities. 
2. Experian added the security freeze successfully. Failed to add Fraud Alert. Resulting in having to purchase complete Identity theft membership out of pocket. 
3. XXXX failed to add security freeze as well as Fraud Alert.  Resulting in additional fraudulent activities. Having to purchase XXXX identity theft products for protection. 

Final results of not fully being protected by Consumer agencies who I relied on to prevent issues from arising as more activities add. Lack of protection has allowed more financial bariers to financial hardship HIGHER RISK, HIGHER INTEREST, VEHICLE REPOS, CYBER HACKING, HIGHER PREMIUMS, & Higher Deductibles /downpayment rates.

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 2019-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mitsubishi Motors North America, Inc.
State: IN

Complaint narrative:
On XXXX XXXX I had an auto loan deleted from my credit. Now itsXX/XX/XXXX its still reported on my credit as not been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
In XX/XX/XXXXof last year I got a loan from ACE Check Cashing so i could keep my self afloat. I had just lost my job and filed for unemployment ( i was told verbally was approved ) at the time when i took the loan. At the time the person i had been dating all year stole that loan money and disappeared i have not seen or heard from them since then. but now ace check cashing has filed a law suite against me because i have not made payment on my loan with them. I paid XX/XX/XXXX and nothing since then. they claim i knowingly committed fraud and thats what they are trying to charge me with. That is called Slander and not for them to determine. They are not in the business of judging some one like that. Over {$700.00} they are going to ruin my current life and future by making a FRAUDULENT claim against me that is SLANDER if pretty sure both of those are illegal. They reported my social security number to the social security administration as fraud. At a time when I am dealing with job loss, while my health takes the turn of needing to be placed on XXXX. iIn XX/XX/XXXXmy lease ended on my apartment. in XX/XX/XXXXI took this Loan with intent of renting an apartment till ( the former partner ) took off with that money. In XX/XX/XXXXi paid XXXX they filed fraud claim against me. By XX/XX/XXXXI already started process of filing for bankruptcy. I had no phone no job no place to live so that give ace check cashing the wright to file claims of fraud on my social security number preventing me from ever being approved of any thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: BANK OF THE WEST
State: AZ

Complaint narrative:
In response to Complaint XXXX, the creditor stated that they used information concerning a previous bankruptcy in arriving at their decision. This information was concerning Chapter XXXX that was initiated over seven years from the date of my application for credit. When making the decision to pursue a 100 % payment plan, I was advised by legal counsel that this would allow me, upon plan completion, to receive a " fresh start '' seven years from filing. After making payments of {$4600.00} a month for nearly five years to complete the plan and receive a discharge, I am being told by the creditor in the above cite response that I have to maintain a high credit rating for an additional two years resulting in an over nine-year wait to receive a " fresh start ''.

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 2019-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I had an auto loan deleted from my credit. Now its XX/XX/XXXX its still reported on my credit as not been deleted

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 2019-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: TN

Complaint narrative:
Hello! We called our mortgage servicer PNC Bank on XX/XX/XXXX and XX/XX/XXXX regarding doing a forbearance as my husband XXXX was currently out of work. We were told by 2 different PNC reps that we were approved to do a forbearance and if we chose to do so it would not be reported to credit bureaus as a late, missed or defaulted payment but it would only be reported that we were in a forbearance. Because of this, we agreed to move forward and do the forbearance. We got a letter saying we were approved. Today, XX/XX/XXXX, we received a letter stating that we had been reported to the credit bureaus negatively for a missed, late or defaulted payment. This is EXACTLY what we were told would NOT happen. We need this corrected IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: CA

Complaint narrative:
I called XXXX XXXX XXXX on XX/XX/XXXX to close one of my two credit card accounts with the bank. This account, like all of my accounts, was in good standing ( " current, paid as agreed '' ). The representative accidentally closed the wrong credit  card account. She referred me to XXXX XXXX  AXXXX Credit department, which on XX/XX/XXXX reinstated the improperly closed account. This triggered an erroneous hard credit inquiry from XXXX  XXXX XXXX on XX/XX/XXXX. 

XXXX  XXXX XXXX acknowledged their error and allegedly, over the course of six months, repeatedly attempted to resolve their mistake with TransUnion. After six months, the hard inquiry remained on my credit file. I mailed a formal Request for Investigation to TransUnion on XX/XX/XXXX. I included a detailed description of XXXX XXXX XXXX 's error, and listed dated case reference numbers associated with the bank 's attempts to remove the inquiry from my TransUnion credit file. 

I received Investigation Results from TransUnion on XX/XX/XXXX, stating : " No update necessary '' and showing the good standing of the XXXX XXXX XXXX credit card account I had originally intended to close ( and did close ). They made no attempt to understand or resolve the error with my other account. The erroneous hard inquiry remains on my TransUnion credit 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 2019-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
I have tried to contact this bank many times. But the letters keep coming back saying the address is incorrect. I used the exact address listed on my credit report. I tired calling but the phone number don't work. But this company keep reporting on my credit report. Saying I'm delinquent. And this was a loan from about 6 years ago. And there's no way to contact them. This needs to be removed off my report. And I need proof of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have been in dept with this company for over ten years. I have deferred my options and explained my income. I am not in the position to pay them what they are asking. The whole world knows that the US advices you to go to college, take out this great dept if your parents arent rich, and some how pay them back. When companies offering a job are only offering a XXXX starting income. They have taken my taxes, harass me daily with calls, and stresses me out beyond day to day. I am a single mother trying to provide. For my mother who is not workin, and my grandmother as well. I just dont have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX MI XXXX is trying to collect a {$400.00} XXXX phone bill from XXXX 2009. Ref ID XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation