vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: AZ

Complaint narrative:
On XX/XX/XXXX I disputed a unauthorized transaction with NetSpend All access in the amount of {$200.00} and zero cents. I was notified by the dispute department by email to write a letter of dispute within 10 business days to the department requesting the credit back to my card. I did that. I received a email after that stating that I have until the XXXX of XXXX to receive this credit back to my account. On XX/XX/XXXX I was notified over the phone by NetSpend that my dispute was closed and that they do not find any error with the the transaction. Stated that the transaction was valid and that a full investigation was made and they believe that because the transaction was made at a known merchant of mine and because I didn't change my pin before this happened that the transaction was valid and they are not issuing the credit back to my card. I called the same day of the incident and reported that my card was used and I do not recall and did not authorize the transaction. I said that " IT WAS NOT ME MADE THE ATM TRANSACTION ''. I was told that I will get help and this charge will be disputed, and on XX/XX/XXXX I was told that I can not receive my money back because NetSpend feels like there was no error found. I believe that if I call and say my card was stolen and I did not make this transaction, that is a error that needs corrected. NetSpend did not correct this error and their reason was because I have used that mechant before. I am desperately trying to recover the {$200.00} that was stolen from me and it is so not fair that my money was taken and NetSpend will not do what needs to be done to give it back. I am filling a complaint on the dispute because I know in my XXXX for a fact that NetSpend All access is wrong. If my money was wrongfully taken from me and I reported this in a timely manner, there is no reason why I shouldn't get it back. I did not receive a copy of the investigation that was supposed to be sent to me by mail and email. The supervisor I spoke to was vXXXX XXXX I was hung up on twice. I am completely feeling robbed with out any answers, this is very hurtful, I've gotten sick during the fight for my money back and I'm tired. Can someone from this Company please reach out and help me. This is my first time having to file a complaint with the cfpb.

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 2022-01-10 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: Porania, LLC
State: GA

Complaint narrative:
So i was forced to file Bankruptcy do to the fact that my father information was attach to my credit. His name and mine is very close. but on the credit report it had his creditors his date of birth and his address. I did dispute but my credit has not got pass XXXX and each time it get to the point that maybe i can buy a house or purchase a vehicle that im in need of it drops. I've been trying to get it off my credit because if i was told the only way i could get his items off was to file. It showed that they weren't mine. i tried to fight it. i called the lawyer but he never reply. i think it isnt right do to the fact that i had a trach it made me handicap..this bankruptcy with XXXX balance from the beginning because the accounts wasnt my creditors

Company response to consumer: Untimely response
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington Bank Mortgage issues. 
I had my home mortgage with Chemical Bank for years. Chemical was purchased by tcf Bank XXXXXXXX. Just a few months later, tcf Bank was purchased by Huntington Bank. Now my mortgage is with Huntington.

When this first happened, we were told to continue to pay tcf. It sounds like a program issue. 
We finally were told to pay Huntington in XXXX. I paid on XX/XX/XXXX and that payment was canceled and returned on XX/XX/XXXX. I did not notice this until I got my XXXX statement saying I was delinquent for XXXX. 
On XX/XX/XXXX I paid both XXXX and XXXX. My bank says it arrived on XXXX. The payment went to some unidentified bucket and was not applied until XX/XX/XXXX when my husband went into a XXXX Michigan branch to find out why it had not been applied. The person at the branch, XXXX XXXX, confirmed I had the correct account number and sent to the correct po box . 
I paid XXXX on XXXX/XXXX/XXXX to deliver XX/XX/XXXX. It also went to the unidentified bucket. My husband went back to the branch to see what happened. Again, XXXX confirmed we had the correct info on XXXX as well. This time we also brought in the branch manager, XXXX XXXX. He says I need to review how I make the payment with my bank. 
Now XXXX, XXXX and XXXX say they are late. 
It seems like Huntington has issues with their mortgage program. 
And my XXXX statement has a {$15.00} charge for a " property inspection fee ''. Huntington bought my mortgage. I did not refinance it. Why am I paying for their inspection? 
This all has an impact on my credit and I don't think I should have to babysit my mortgage like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: NC

Complaint narrative:
I called XXXX and Experian, to let them know of unauthorized inquiries on my credit reports and asked them to remove these credit inquiries from my credit profile and they refused, so I sent letters asking them to look into this matter and to remove the inquiries but to date there have been no responses from the bureaus. Since sending the letters more than 30 business days ago, they have failed to respond and honor my request. These unauthorized inquiries are negatively affecting my credit standing and ability to obtain a mortgage.

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 2022-01-10 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: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
To whom it May concern : Serve this to claim a false report on my credit. I recently applied for a loan to a credit agency to acquire a property, to my surprise, the report shows some alleged miss payments. The agent who helps us with the application provided me with the report to be able to claim these allegations. These alleged non-payments are reported in XXXX which I do not recognize since I was making monthly payments. When the account is transferred to Banco Popular, continue with it making monthly payments until XX/XX/XXXX when it was closed. 

My acquisition of an account with Banco Popular of PR ( BPPR ) was through a change made by the banking institutions of Banco XXXX of XXXX XXXX and Banco Popular Puerto Rico. Once the institutions were joined, my XXXX bank credit account goes to the popular bank, for which BPPR assumes responsibility for it. 

The purpose of this claim is to remove these false allegations to my credit. I have tried to communicate in multiple ocations with agents of the Popular XXXX and they have not been able to help me with this diligence. I have contacted the different accrediting agencies ( XXXX XXXX ) which inform me that this request can only be made by the same bank that reported them, in this case BPPR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My only names are : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX GA XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : XXXX GA XXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Name : XXXX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX Incorrect XXXX XXXX XXXX Ga XXXX XXXX, XXXX Georgia XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX Georgia 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 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My only names are : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX GA XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : XXXXXXXX XXXX XXXXXXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Name : XXXX XXXX Incorrect Address:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX Incorrect Employer XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: Nelnet, Inc.
State: MA

Complaint narrative:
This is a formal complaint that Firstmark Services is in violation of the law. I find that Firstmark Services is in violation of 15 U.S. Code 1692g - Validation of debts : ( a ) Notice of debt ; Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; First Mark Services is illegally reporting on my consumer credit report alleging that I owe them money for a loan. I have never consented to do business with this entity, signed any loan documents with them, or granted them permissible purpose to obtain my personal information let alone furnish it on my consumer report. I demanded that Firstmark Services validate the alleged debt they are reporting on my consumer report and they failed to comply with any sections of 15 U.S. Code 1692g. 
Firstmark Services is willfully reporting misleading and inaccurate information. They responded to my request with : all credit reporting is valid and accurate along with we do not offer courtesy credit reporting retractions. This is unacceptable and unlawful as this does not validate any debt. I am very concerned and damaged by their actions. I am seeking legal counsel and would like to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: T.S. Holdings
State: MI

Complaint narrative:
I tried contacted the collector after being overwhelmed with being harassed by them to settle debt. I gave them a offer they refuse it told me they would sue me and I had to start a payment plan and pay it in full. They have threatened me with interest if I was to not pay. The debt is very old I have been XXXX  for 5 years due to it. I am asking them to remove it and show me documentation where I agreed to pay interest if broke the lease also I was an XXXX XXXX XXXX at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
paid off home equity line of credit on XX/XX/XXXX the company Specialized Loan Servicing still has not filed a lien release with XXXX XXXX in Pennsylvania. I have made several phone calls, emailed and they just have failed to follow thru and get the lien released filed with XXXX XXXX. I filed a complaint withXXXX CFPB on XX/XX/XXXX complaint # XXXX Specialized Loan Servicing has responded to that complaint and acknowledge that the loan was paid in full on XX/XX/XXXX. In their response they attached a copy of the Satisfaction of Mortgage that was dated XX/XX/XXXX. However as of Friday XX/XX/XXXX The Lien Release had not be received in XXXX XXXX Pa. In Specialized Loan Servicing letter dated XX/XX/XXXX they reference a number to call of XXXX XXXX XXXX XXXX when I called that number I was redirected to another number at Customer Care XXXX XXXX XXXX when I spoke to the Customer Care they could not assist me as they did not know why the Lien Release had not been filed with the XXXX XXXX Pa They told me to call back in 3 to 4 days. 
I have gotten nowhere with getting this company to file the Lien Release with XXXX XXXX Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: MO

Complaint narrative:
I have been trying to dispute all of the inquiries that are reporting on my credit file but it seems to me that they tell me they dont want to removal the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: GA

Complaint narrative:
I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! 
ACCOUNT NUMBER : 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 non-monetary relief
Consumer complaint received 2022-01-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report. No consent is Identity theft. A copy of the law is attached with this dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: PA

Complaint narrative:
I am writing to dispute the following information in my credit report. The credit report showed credit inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put any inquiries on my file unless I have authorized it. Please have the inquiries removed from my credit file because it is making it very difficult for me to acquire credit.

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 2022-01-10 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: IL

Complaint narrative:
I summited a dispute on XXXX for 2 accounts. XXXX and XXXX bank. A response was sent back as accurate. I then sent another letter on XXXX asking for a method of verification. According to the FCRA, the credit reporting agency is required to give a method of verification within 15 days upon request. Never received it. I'm asking that both items be deleted. They are clearly in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
It was COVID I lost my job as soon as I found a new one I paid them % 100.. I asked to forgive my late payments being that I showed good faith in paying 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 explanation
Consumer complaint received 2022-01-10 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: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
To whom it May concern : Serve this to claim a false report on my credit. I recently applied for a loan to a credit agency to acquire a property, to my surprise, the report shows some alleged miss payments. The agent who helps us with the application provided me with the report to be able to claim these allegations. These alleged non-payments are reported in XXXX which I do not recognize since I was making monthly payments. When the account is transferred to Banco XXXX, continue with it making monthly payments until XX/XX/XXXX when it was closed. 

My acquisition of an account with Banco XXXX of PR ( XXXX ) was through a change made by the banking institutions of Banco Santander of Puerto Rico and Banco XXXX Puerto Rico. Once the institutions were joined, my Santander bank credit account goes to the XXXX XXXX, for which XXXX assumes responsibility for it. 

The purpose of this claim is to remove these false allegations to my credit. I have tried to communicate in multiple ocations with agents of the XXXX Bank and they have not been able to help me with this diligence. I have contacted the different accrediting agencies ( XXXX XXXX ) which inform me that this request can only be made by the same bank that reported them, in this case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2022-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! 
ACCOUNT NUMBER : XXXX : XXXX CAPITAL ONE : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation