vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
add my XXXX card from 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 2021-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I was misled by false advertising stating that the inquiries on my credit report would be soft pulls and they all turned out to be hard pulls tried contacting the creditors about the problem because t non of the issues were rectified so I then next contacted the credit agency that placed these hard inquiries on my report to resolve the issues, and nothing happened.

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 2021-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I was misled by false advertising stating that the inquiries on my credit report would be soft pulls and they all turned out to be hard pulls tried contacting the creditors about the problem because t non of the issues were rectified so I then next contacted the credit agency that placed these hard inquiries on my report to resolve the issues, and nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Hello i am very distressed to inform you about the inaccurate reporting and violation of federal law that i have single handedly been dealing with, I sent in my dispute in 47 day ago ( XXXX ) and have still had no type of response. I feel as if i deserve more respect and common decency that i am obviously not receiving. I have informed each bureau that In these letter I quote According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I would also like to bring to your attention that according 15 U.S. Code 6802 ( a ) A financial institution may not disclose any non public personal information to a non affiliated third party company without my consent. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I would appreciate these accounts being removed in a timely manner, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: MI

Complaint narrative:
XX/XX/XXXX I reported my card stolen. I had XXXX on it. They agreed to cancel and send new. Well XXXX came and I still had no card.. and no way to access my funds. XX/XX/XXXX I was finally able to get into my account to see the shocker. It was negative almost XXXX. And then I see that {$600.00} stimulus was loaded on it and netspend kept that too. So XXXX XXXX is gone. Then I see a few days ago that {$1400.00} stimulus was deposited into the account and netspend blocked me out of it. I called. I argued I've fought. They said send documentation of identity. I've sent my ID 10 times not kidding. I've sent my social security card I've sent my car titles utility Bill 's insurance papers birth certificate 10 times. Each time they pick apart a reason why they wont accept it. I answered question about myself even the government wouldnt asl and they have flatly refused to release my money. I want it opened long enough to transfer my funds into my bank account that is it. And they refuse. I feel like they stole the XXXX and now my XXXX from the government stimulus check. They also sent me a message letting me know they took there fee out 7 times. Please I beg you please help me get those crooks to give me what rightfully mine. They have no right to hold it and I feel like I'm being exported.

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 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have sent certified letters requesting validation and have gotten no response from this company. Account has been on my credit report for a long time with no validation nor response from company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I have been trying to get the company to pay the outstanding real estate tax bills since XX/XX/21.

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 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
I returned my equipment to XXXX XXXX 5 months ago when I closed my account ; I spoke with XXXX XXXX XXXX to whom Sunrise XXXX Services states the debt is owed, Charter Spectrum Communication stated they have no knowledge of this debt, and I do not owe them anything, my account is XXXX balance.

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 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: FL

Complaint narrative:
I have tried to contact NETSPEND/XXXX for 2 days about a prepaid card that I was actively using and having pre-authorized bills payed. I can no longer log into the account and when I called the automated response says the card has expired. The card is valid Through XX/XX/2023. Would you please investigate this matter. 

Thanks iXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: TN

Complaint narrative:
In XX/XX/XXXX, my adopted daughter needed an apartment near to where she was attending college. We selected an apartment complex and management company named " XXXX XXXX '' in XXXX, TN. The management company required that I be a co-guarantor for a period of 1-year because my daughter ( XXXX XXXX ) had no established credit history. After one year, the Leasing agent informed me that I would be " automatically removed '' as a co-guarantor. No action on my part would be required after her 1st anniversary. However, to the contrary, XXXX XXXX did not remove me from their database. Subsequently to her lease anniversary, my daughter executed upon her own accord with the management company, and without my requiring my signature as a co-guarantor, a new lease. My daughter informed me that she had signed for an extension on the second lease she had executed. However, I would continue to receive emails about her late payment status and other obligations within the lease required compliance. Without success, I have telephone and written letters to the property management company. XXXX XXXX property management continued sending late payment notices. At some point, in an email response, the building manager stated that I am responsible for any successive lease obligations because the initial lease where I became a co-guarantor is " controlling. '' I notified my State 's ( Tennessee ) Consumer Affairs ( housing ) division. The Housing division informed me, the State has no jurisdiction over " private housing. '' On XX/XX/XXXX, I received a " Collections letter '' from " LTD Financial Services, '' of XXXX, TX XXXX. My daughter moved from XXXX XXXX complex in XXXX. She informs me that she did have a damage fee assessment for her dog, but she paid it. In the one year that I did act as co-guarantor, she did not have a dog. Notwithstanding, between letters, faxes, and the time thus far I have spent, in attempts to have my name removed from XXXX XXXX property management database, moreover, delete me as a co-guarantor, has unwarrantedly damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: FL

Complaint narrative:
This is ridiculous! I can not move on in my life and apply any financial planning!! Could you please help me and remove fraud account from my credit report? THIS ACOUNT IS ABSLUTELY NOT MINE! It just appeared this month from nowhere ... .Its a fraud, identity theft I have no idea hat is that but I do not want to see it in my credit report! REMOVE IT ASAP!

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 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
add my XXXX card from 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 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
add my XXXX card from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: WI

Complaint narrative:
I have a owe amount in loanmax title loan. I reported my car was damage in XXXX and for that reasons I cant continue to do a payments. We tried to setup payments plans in the past and they are not agree with that they want the full amount of {$2000.00}. Monday, XXXX, XXXX XXXX I received text to inform me I can pay {$1800.00} to setup my account with the XXXX stimulus payment. Message say LoanMax : Let us help! Take advantage of XXXX XXXX deal now! Call XXXX XXXX XXXX XXXX pay only {$1800.00} to get your title back! 
They don't say how long can I have to deal this amount. But the XXXX XXXX is for this XXXX stimulus started this week. I was agree to pay that amount and more because is less and I am going to resolve this situation. But for my surprise when I was shopping thing for my baby they reposed a car XXXX XXXX XXXXXX/XX/XXXX without notification. I was XXXX XXXX XXXX, with a XXXX XXXX in my hands and with all items of my baby in the car ( XXXX XXXX ). Now they said I cant receive my items until after 4 days, I have items in the car was cost money also my breast feed pump for my baby and all her clothing. I was in XXXX, I from XXXX XXXX without a car and in the street. Just they took advantage with all of this situation they offer me settle the account for {$1800.00} and no past XXXX hours they reposed a car. They said they send a letter on XX/XX/XXXX and I never received that letters. I contact XX/XX/XXXX to corporate office and they said they have XXXX different letters on the mail with XXXX different amount but I did not received nothing until now. They lied and took advantage to me because they don't give me a chance to deal with the XXXX stimulus payment. About XXXX year ago when I lost everything and start my XXXX I said to them you can come to pick up a car and they said is not like that you need to pay a money we don't want your car back. They discriminated me because they don't believe they left without transportation XXXX hours from my house, without my baby items and with a XXXX XXXX and a XXXX XXXX on XXXX XXXX. Just I am agree to pay what they offered {$1800.00} and they give me my car back. I never received a letter from them and I dont sign any certificate letter to reposed a car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 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: FC HoldCo LLC
State: TX

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union is reporting a late on my credit file and it must be removed. I recently checked my credit and noticed that America First Credit Union was reporting lates on a couple accounts when I was never late. For the months of XXXX, XXXX, and XXXX of 2019 I had made payments online. I had a few issues but didn't think anything of it as it said my payment had been received. Well at that time I looked at my credit and noticed these lates and called immediately to make sure my payment went through. The representative I talked told me that the payment had processed and I was good to go. However, I got another late and called because I was so confused. Apparently my payments did not process like I was told and I paid it off but I was under the impression that this current! This is not my fault, I did what I was supposed to do and I was never notified or called about these late payments. I need them to remove them from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX I purchased a digital product for {$8.00}. I was charged {$2000.00}. I immediately filed a dispute with my credit card company as well as the Merchant. 

The Merchant stated they only ever received {$8.00}. The credit card company has acknowledged that this is correct. 

The credit card company has still not fixed this and every time I try to follow up I have to start from the beginning. Sometimes they put me on hold and eventually disconnect the call. I tried to contact the dispute department again today ( XX/XX/XXXX ) and was put on hold and then hung up on. 

I have done everything I have been asked. I do not know what more I can do.

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 2021-03-17 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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