vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: OH

Complaint narrative:
XX/XX/2021 my stimulus check was sent to NetSpend. I called the IRS they notified me that NetSpend excepted my funds. I contacted NetSpend about retrieveing my funds and I was told to send a then a copy of my driver 's license and social security card. I sent all information. they received information. Customer service told me they received my information. NetSpend still has not sent me my {XXXX} stimulus check. NetSpend defrauding running a scam on consumers. It is illegally to keep people money. I need my stimulus check for food and shelter. I look at complaint s online NetSpend has been illegally stealing money from consumers causing homelessness. This had to stop

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 2022-04-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Creditor : XXXX Inquiry Date : XXXX XXXX Please remove this collection account from my credit report. I have never heard of this company nor have I ever done business with them. 

Creditor : XXXX XXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report. This account is reporting incorrectly. 

Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report I am not aware of this Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XXXX XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XX/XX/2022 2022

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 2022-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
About month ago I got a notification from XXXX XXXX asking if an account was correct. An account was opened for a XXXX credit card and was late making payments. Account limit was about {$400.00} but only {$290.00} was actually used. Account was opened in XX/XX/XXXX. I dsputed account with XXXX XXXX and it was removed, but I also contacted XXXX, they sent me a letter how to properly dispute account which brought me to this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've sent multiple requests to have the bankruptcy information removed. 

I've asked them to verify it was mine and they sated they were able to verify, but I sent them a XXXX verification letter stating there is no bankruptcy in my report. 

Also sent a bankruptcy court letter stating they dont provide information to credit bureaus. 

So please have them remove from my records. Thanks.

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 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX collector Has tried to collect a debt from me. However, I do not own this debt. I have written several letters disputing this debt and they can not prove the debt is mine or that a payment came from me under said account number. They have continued to call and harass me on a debt that is not mine after letters have been sent. I have also sent letters/emails to the fraud department of original account and they have stated. The account number in question is not mine and there is nothing else owed under this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX I sent this message to XXXX XXXX about a purchase I return I made last year that was NEVER refunded. I returned two items on the same day, one was a fan and one was a fireplace. I dropped them off at the same place ( XXXX ) and theres VIDEO FOOTAGE of me returning the item. I received a receipt. A few days later I received a refund for the {$100.00} fan, but NEVER for the {$360.00} fireplace. I would like that amount to be credited to my account. ( I've attached proof ) I sent the message below to wayfair card on XX/XX/XXXX and they've yet to respond. Even though they are supposed to respond within one business day.

" Hello! 

I returned two items to XXXX last year. The smaller item return was posted to my account, but the other item, which is worth over {$300.00} still hasn't been credited to my account. I returned both items at the same time. 

Please help! ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 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 am a victim of identity theft and fraud, fraudlent inquiries are on my account I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2022-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX of XXXX FL has not removed inquiry after I mailed a set verification on or around XX/XX/2020. This has deniede better financial & transportation resources for work. The injury is dated for XX/XX/2020.

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 2022-04-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violate my rights. 
15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to be rectify : XXXX / {$700.00} / XX/XX/2022 XXXX  / {$4100.00} / XX/XX/2022 XXXX  / {$3900.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: PA

Complaint narrative:
On XXXX XXXX I had a notice in the mail from XXXX in regards of my credit application which I had got denied for due to the inaccuracy on my consumer report. I didn't give any one written or oral consent to furnish anything on my consumer report without my knowledge, before taking any adverse action based on the whole report, the person intending to take such adverse action shall provide to me as the consumer a copy of that report. My consumer rights have been violated through deceptive practices. Consumer reporting agencies is supposed to exercise their grave responsibilities with fairness, impartially, and respect for the consumer.

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 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Premier Mortgage Resources, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, my automatic mortgage payment for XXXX did not go through to my mortgage lender, even though the payment was set-up on autopay in the mortgage companys portal ; the payment did not come out of the bank, but was rejected. There were no warnings from lender to me directly that it was didnt go through ; I didnt receive a single email or voice message warning me that the payment had not paid. 
This happened during the onslaught of the COVID and the major lockdowns, and due to family hardships during COVID, I was staying out of town with family for support reasons and was not even aware that my account wasnt being paid. 

Once I was aware of the situation, I immediately paid the bill and called and emailed the mortgage company multiple times requesting they remove the mark on my credit report. 

I called the mortgage company in XXXX XXXX and sent a letter on XX/XX/XXXX and a follow-up messages on XX/XX/XXXX and XX/XX/XXXX. ( I have attached these letters in the document portal. ) The mortgage company did not reply to my inquiries and gave me this late payment mark on my credit report. I now can not get critical financing I need for my family, because of this mark on my credit, and the company will not help with this unfair situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
The account with NETCREDIT account ID XXXX was paid in full with home the refinance XX/XX/2019. The company continues to report the account as past due XXXX which is a lie. Recently I contacted NET CREDIT and received an email regarding account ID XXXX stating I was due an overpayment of XXXX from the payoff. However When I pulled up the contract, they have stamped the account paid in full XXXX. I have not paid any funds or paid any amount since the account was paid in full XX/XX/2019 and was a current account. This company has me past due for 28 months after the account was paid in full. I have the paid check from the attorney, the email that they owe me money, and a stamped PAID contract with the incorrect date. This date of XXXX is a lie and they are misrepresenting the date of payoff and also, How could I be late when they have sent me an email stating they they have been trying to send my a refund check. If they were over paid during the refinace how can they continue to show that I am late. This company if NOT following the guidelines for Fair Credit reporting and. I have contacted all XXXX credit bureaus and XXXX said that the dispute is closed due to the company report the balance of XXXX as correct and I also sent them documentation but they will not do anything about it. I told XXXX that I was report their action too of not following up with the documentation sent to them to have the account corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited a settlement check from a lawyer 's office and although they said funds were available two days after, it still hasn't posted. I contacted the bank several times and am being told to wait that there's a hold until XX/XX/22 the check was deposited on XX/XX/22 .My siblings all received the same check and they all have already cleared by their banks. They have not released any money to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Creditor : XXXX Inquiry Date : XXXX XXXX Please remove this collection account from my credit report. I have never heard of this company nor have I ever done business with them. 

Creditor : XXXX XXXXXXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report. This account is reporting incorrectly. 

Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report I am not aware of this Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XXXX XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XX/XX/20XXXX 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 non-monetary relief
Consumer complaint received 2022-04-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Creditor : XXXX Inquiry Date : XXXX XXXX Please remove this collection account from my credit report. I have never heard of this company nor have I ever done business with them. 

Creditor : XXXX XXXXXXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report. This account is reporting incorrectly. 

Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report I am not aware of this Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XXXX XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
On XX/XX/2022, I submitted an email to Consumer Portfolio via their website to inform them that I wanted to voluntarily surrender my vehicle due to mechanical issues that I could not manage financially. I included in the email that the vehicle was located in North Carolina ( not my state of residence ) .I was contacted by a representative from consumer portfolio the next day ( Monday ) gathering more details and also confirming the details I including in the initial email. The lady said its unfortunate that this has happened because I had just made a large payment. She said she will forward the information and I will receive a letter letting me know when the vehicle will be auctioned and my remaining balance. At that time I could make arrangements to settle the balance. I agreed and we ended the call. I then received a letter in the mail stating the the vehicle was repossessed due to nonpayment which ultimately incorrect. I reached out and was told there was no paperwork submitted for a voluntary surrender and I replied none was given to me. This is now being reported credit with false information and adversely affecting my credit score and ability to purchase my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-04-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr Cooper/ Nationstar Mortgage Repeated attempts to submit required flood insurance have been ignored Company claims to have purchased floor coverage for {$7100.00} per year for {$250000.00} of coverage even though we have repeatedly submitted proof of insurance It is very, very difficult to get through to any human representative to discuss the matter ( hold times over half an hour. ). In one instance, rep told us account was marked as having received info, but insurance was purchased in any case. 

As an aside, the property is a condo on the XXXX floor of a tower, making a flood exceedingly unlikely. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from a third party or agency. CCS has violated federal laws, see attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation