vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-29 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: VA

Complaint narrative:
XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Address ID XXXX Account number listed XXXX .... is listing account as XXXX $ as of XXXX/XXXX/XXXX date open XXXX Is falsely reporting to my credit as account closed/written off as of XXXX. 
I have sent certified mail to verify this account and was returned on XXXX and again XXXX/XXXX/XXXX which was recieved but no response to verify the account was legitamate and in fact my account. 

XXXX XXXX XXXX. XXXX XXXX XXXX, sc XXXX Address Id XXXX account number listed is XXXX Balance XXXX as of XXXX/XXXX/XXXX Listed as a Debt Buyer This is a debt buyer purchasing a debt that originated as a XXXX debt. date opened XXXX This has been reported as fraudulent activity multiple times to XXXX and instead of sending me proof of the debt they sold it and stated no longer liable. 
Was reported to for both the Debt buyer and original creditor as well as all 3 credit reporting agencies to be Validated and again no responce. I will also report to FTC and BBB As this report is to be removed from all three agencies immediately and in a timely matter. 

XXXX XXXX AAddress ID XXXX account XXXX debt amount XXXX as of XXXX/XXXX/XXXX this debt please remove as the above accounts tried to verify legitamacy with cretified mail and requests to credit agencies and no responces. This account is also going to be reported to FTC and BBB for both agency and credit bureaus for non compliance. 

MY REQUEST ARE FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY AND IN A TIMELY MANNER i have numerously requested the credit bureaus to do the same and the disputes come back as complete but no proof is still given. I have opened a case with the BBB and the FTC over the accounts and the Practices of the credit Companys reporting. I want the account in question removed from all three credit reporting agenies 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 2017-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This Account Is Be Deleted It Has Been Resold

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 2017-12-29 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: Nelnet, Inc.
State: MO

Complaint narrative:
I am writting you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report imediatly. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely mannor. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / NELNET {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / NELNET {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ NELNET {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ NELNET {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ NELNET {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX/ NELNET {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX/ NELNET {$2000.00} XX/XX/XXXX (  4 yrs, 6 mos ) XXXX XXXX/ NELNET {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX/ NELNET {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX/ NELNET {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX/ NELNET {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX/ NELNET {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX/ NELNET {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ NELNET {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX/ NELNET {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ NELNET {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ NELNET {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ NELNET {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX/ NELNET {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ NELNET {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ NELNET {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX/ NELNET {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ NELNET {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos ) I am filing this complaint against The Dept of Education/ Nelnet as well as the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have never had any loan from this company. I would like the paperwork sent to my home to have a better understanding of what this is about. I dont appreciate this company putting this on my records when i have never received one call or letter in the mail from this company. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: HI

Complaint narrative:
I first wrote to the Trans Union on XXXX about my name and it being reported wrong on my credit report as well as names not belonging to me, for instance, my wife 's name on my credit report and sent them my license as well as my social security card and also my utility bill showing my address I have lived at for the last 22 years all of which was sent certified mail and had documents also notarized. 

they still did n't get the information correct as I had to send another certified mail on XXXX with the same information as the last time license, ss card, utility bill and notarized documents and when I pulled my credit report I still show my wife 's name which is XXXX XXXX XXXX ( maiden ) XXXX. 


XXXX XXXX XXXX this name is wrong and needs to be corrected XXXX  XXXX XXXX this name is wrong and needs to be corrected XXXX, XXXX this name is wrong and needs to be corrected XXXX, XXXX, XXXX this name is wrong and needs to be corrected my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, Hawaii XXXX All other versions are incorrect and by law must be removed as per the FCRA since they are inaccurate.

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 2017-12-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Address ID XXXX Account number listed XXXX .... is listing account as XXXX $ as of XXXX/XXXX/XXXX date open XXXX Is falsely reporting to my credit as account closed/written off as of XXXX. 
I have sent certified mail to verify this account and was returned on XXXX and again XXXX/XXXX/XXXX which was recieved but no response to verify the account was legitamate and in fact my account. 

XXXX XXXX XXXX. Box XXXX XXXX, sc XXXX Address Id XXXX account number listed is XXXX Balance XXXX as of XXXX/XXXX/XXXX Listed as a Debt Buyer This is a debt buyer purchasing a debt that originated as a XXXX debt. date opened XXXX This has been reported as fraudulent activity multiple times to XXXX and instead of sending me proof of the debt they sold it and stated no longer liable. 
Was reported to for both the Debt buyer and original creditor as well as all 3 credit reporting agencies to be Validated and again no responce. I will also report to FTC and BBB As this report is to be removed from all three agencies immediately and in a timely matter. 

XXXX XXXX AAddress ID XXXX account XXXX debt amount 574 as of XXXX/XXXX/XXXX this debt please remove as the above accounts tried to verify legitamacy with cretified mail and requests to credit agencies and no responces. This account is also going to be reported to FTC and BBB for both agency and credit bureaus for non compliance. 

MY REQUEST ARE FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY AND IN A TIMELY MANNER i have numerously requested the credit bureaus to do the same and the disputes come back as complete but no proof is still given. I have opened a case with the BBB and the FTC over the accounts and the Practices of the credit Companys reporting. I want the account in question removed from all three credit reporting agenies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Address ID XXXX Account number listed XXXX .... is listing account as XXXX $ as of XXXX/XXXX/XXXX date open XXXX Is falsely reporting to my credit as account closed/written off as of XXXX. 
I have sent certified mail to verify this account and was returned on XXXX and again XXXX/XXXX/XXXX which was recieved but no response to verify the account was legitamate and in fact my account. 

XXXX XXXX XXXX. Box XXXX XXXX, sc XXXX Address Id XXXX account number listed is XXXX Balance XXXX as of XXXX/XXXX/XXXX Listed as a Debt Buyer This is a debt buyer purchasing a debt that originated as a XXXX debt. date opened XXXX This has been reported as fraudulent activity multiple times to XXXX and instead of sending me proof of the debt they sold it and stated no longer liable. 
Was reported to for both the Debt buyer and original creditor as well as all 3 credit reporting agencies to be Validated and again no responce. I will also report to FTC and BBB As this report is to be removed from all three agencies immediately and in a timely matter. 

XXXX XXXX AAddress ID XXXX account XXXX debt amount XXXX as of XXXX/XXXX/XXXX this debt please remove as the above accounts tried to verify legitamacy with cretified mail and requests to credit agencies and no responces. This account is also going to be reported to FTC and BBB for both agency and credit bureaus for non compliance. 

MY REQUEST ARE FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY AND IN A TIMELY MANNER i have numerously requested the credit bureaus to do the same and the disputes come back as complete but no proof is still given. I have opened a case with the BBB and the FTC over the accounts and the Practices of the credit Companys reporting. I want the account in question removed from all three credit reporting agenies 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 2017-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I was speaking with someone from Mariner Finance on XX/XX/XXXX, who stated that I need to make a payment on XX/XX/XXXX. I informed them that I would call in on XX/XX/XXXX to make that payment. On XX/XX/XXXX before I could even call, the Branch Manager XXXX, called and left a message. I was unable, to answer because I was at work. She called a few more times. Then she sent me a text that said XXXX this is XXXX the branch manager over at Mariner finance. You need to call me back today. I need a payment today or I will proceed with legal action and we will bank levy your account. You refinanced the account and have yet to pay us back. I got the text from her personal number and immediately called her because I know I had just told them the day prior that I would pay that day XX/XX/XXXX. When I got on the phone with XXXX, she was very rude screaming telling me she doesnt care that Im being nice. That I dont pay her at that very moment she will call her lawyer on me. Hanging up on me. Then calling back yelling and screaming again and hanging up. I was then called by another manager who offered to take my payment. He was pleasant but I could barely even talk because I was crying so much because what she had done to me. I was being recorded while he took the payment so he has that recording of me crying nonstop. She really made me feel like less of a person. She didnt care about what I was going through in my life and that showed in her actions. I was unable to work to my full capacity because she had made me feel so low of a person. She created an XXXX XXXX for me which caused XXXX, fear ... can not concentrate.

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 2017-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On XXXX/XXXX/17 I went to a frost ATM and tried to withdraw USD XXXX using a XXXX XXXX XXXX card. The ATM cancelled my transaction but I was debited the USD XXXX plus commission. I was never given the money and my XXXX bank started the investigation on that day. I was denied said investigation and my XXXX bank states that in fact I received the money which is not true. 
I have requested several times from Frost Bank to provide me with a copy of the recorded cancelled transaction made on that day from that ATM to which I have been told that there is nothing they can do and no copies can be given to me. 
I need Frost bank to provide me with a copy of said transaction so I can prove to my XXXX bank that in fact I did not withdraw said amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover Student Loan ( s ) has incorrectly reported my account twice on my credit reports. The information reported is identical. This is direct violation of the Fair Credit Reporting Act. The amount that was charged off was {$7700.00}. Again, this debt has been reported twice, from the same creditor ( most recently as of XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writting you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report imediatly. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely mannor. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / XXXX {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / XXXX {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ XXXX {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ XXXX {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ XXXX {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX/ XXXX  {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX/ XXXX {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) XXXX XXXX/ XXXX {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX/ XXXX {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX/ XXXX {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX/ XXXX  {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX/ XXXX {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX/ XXXX {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ XXXX {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX/ XXXX {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ XXXX {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ XXXX {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ XXXX {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX  {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX/ XXXX {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ XXXX {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ XXXX {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX/ XXXX {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ XXXX  {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos ) I am filing this complaint against XXXX XXXX XXXX XXXX/ XXXX as well as the credit reporting agencies.

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 2017-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My mortgage loan was transferred from XXXX XXXX XXXX XXXX ( XXXX ) to FREEDOM MORTGAGE on XXXX XXXX, XXXX. I made my XXXX payment to Freedom Mortgage from my checking account on XXXX XXXX, XXXX. Subsequently, on XXXX XXXX, XXXX I received a letter from Freedom Mortgage dated XXXX XXXX, XXXX indicating that they had " not received my XXXX payment in the amount of {$2800.00} making my loan past due ''. I called customer service on XXXX/XXXX/XXXX and at their request I submitted proof of payment from my bank. Freedom Mortgage then initiated an investigation. I subsequently received a letter from Freedom Mortgage dated XXXX/XXXX/XXXX stating that " After reviewing your account, our research indicated that the payment for {$2800.00} was returned on XXXX XXXX, XXXX at the request of XXXX XXXX XXXX XXXX '' On XXXX/XXXX/XXXX I sent an email to Freedom Mortgage Customer Service asking for an explanation as to how happen I make an on time XXXX payment to Freedom Mortgage and then the payment is RETURNED at the request of a 3rd party ( XXXX )? Returned where? The payment did n't come back to me. I made the XXXX payment to Freedom Mortgage and now Freedom Mortgage is sending me notices as if my payment was n't received and that my account is past due. This experience has left me with an extremely poor first impression of Freedom Mortgage as the new servicer of my mortgage loan. To date Freedom Mortgage has not adequately addressed my inquiry and a timely response has been lacking. I have not yet submitted my XXXX payment to Freedom Mortgage because I have no confidence in what they will do with it. Will a 3rd party request that payment too and will they send it away again without my knowledge or consent and then persist in sending me past due notices?

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 2017-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX On the dates above it says that my accounts were closed. I have only ever signed up for that card 1 time but according to my credit report I have had 3 separate accounts with them. My card was also closed without my knowledge.

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 2017-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One is blocking me from enabling external applications such as " XXXX ''. I need access to my financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX is attempting to damage credit and collect debt purchased from unknown account. Company is not registered with Ohio Secretary of State to even collect where I live

Company response to consumer: Closed with non-monetary relief