vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I sent a debt validation letter on XX/XX/2021 and Transworld System Inc and they received it on XX/XX/2021 via certified mail to XXXX XXXX XXXX XXXX, DE XXXX. This company has failed to validate this debt by not responding at all. Please delete this information from my credit file and cease all collections activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: CA

Complaint narrative:
Pell Grant Overpayment. ( {$400.00} ) ( There was not an option for school grants. If this has been sent to the wrong dept. please forward. ) On XX/XX/XXXX I called XXXX XXXX XXXX, the collection agents for my two defaulted federal student loans. ( XXXX XXXX XXXX ) During that call the agent told me in order to qualify for the rehab I would need to pay in full the " Grant Overpayment ''. I was unaware of any overpayment. This was a " first time '' Pell Grant. ( issue date XXXX ) I agreed to pay the overpayment. During that call, before setting up the loan rehab, the agent took my payment in full over the phone. Further, the agent impressed upon me that all negative reports to the credit reporting agencies would be removed upon completion of the rehab program. 

I successfully completed the loan rehab XX/XX/XXXX. The two federal student loans I have are reporting correctly. Those two debts report " current '' and no late payments. The Pell Grant Overpayment reports Collection. Collection as of XX/XX/XXXX. So, 7 years of a collection is the result. Experian says the baddie will stay until XXXX. XXXX!!! 

Called and wrote to Experian ( other two c.r.a. 's are not reporting the debt ). 
Experian reports the trade line as : " Account type : Student Loan '' ( it was grant when distributed, yet reports as Loan. ) " Account status : Paid, was a collection account, insurance claim or government claim or was terminated for default. ''

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 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: MI

Complaint narrative:
Hello my father and I are looking to refinance our single family primary residence. Doing a simple conventional rate and term loan. We have excellent credit and qualify. The process has taken almost 5 months. This company is having a hard time closing a simple loan. This is happening to so many people. No one is doing anything about it. This is dwelling and draining. They keep promising to close every week and never do. This is a shame. It costed us money and energy! attached are the emails i have sent to the company attaching the ceo and leadership to the email and no one did anything about it. 


Hello team, My father and I have submitted a loan application mid XXXX. Both of us have credit scores over XXXX. Refinancing a primary residence, simple rate and term. Plenty of equity in the home. All documents and stipulations were submitted within the week. Appraisal was done 1 month later. Fast forward we are Going on almost 4 months. During the loan process the loan processor was changed 3 times and our file has been kicked around. The process has not been transparent at all. Everytime I reach out, someone says they are going to check on the loan and no one ever gets back. Its getting ridiculous. I was a mortgage banker for over 2 years at loan depots biggest competitor and not one of my clients ever went through this. To be # 1 you also have to consider the client experience. 


Hello to whom it may concern, My father and I are refinancing our primary residence It has been in process for 4 months. I have attached a image of an email i sent on XX/XX/XXXX to touch base and see where our loan stands. Its XX/XX/XXXX. I tried reaching out to several team members involved in the loan process and no one has reached back out. The process has been a horrible experience. The process is not transparent. We keep going in circles. Our loan is a simple loan that is rate and term, plenty of equity in the property, my father and i both have excellent credit. The point of this email is to get a loan closing date or unfortunately we will withdrawl our application and go with XXXX XXXX. ( As simple as push button get mortgage and close within 30 days ). Please understand where i am coming from. The reason i attached leadership of the company on this email is to make them aware of my situation. This is unacceptable. No one looking to get a loan should go through what i have been through! 

Thank you kindly and respectfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TX

Complaint narrative:
On XX/XX/2021 I received ( see attached ) confirmation that 3 accounts would be removed from my credit report. As of XX/XX/2021 XXXX/TransunionXXXX  have failed to remove the items as they remain. One account in particular is being reported in error as shown in the attached document. I contacted XXXX XXXX XXXX XXXX who informed me that they sent XXXX/Transunion/XXXX  the request for removal and that they have failed to act. This item is still being reported.

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 2021-03-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I received ( see attached ) confirmation that 3 accounts would be removed from my credit report. As of XX/XX/2021 XXXXEquifax have failed to remove the items as they remain. One account in particular is being reported in error as shown in the attached document. I contacted XXXX XXXX XXXX XXXX who informed me that they sent XXXXEquifax the request for removal and that they have failed to act. This item is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I am the custodial parent of XXXX XXXX children who receive federal and state benefits because their father is XXXX and the other is a veteran. I purchased a PayPal prepaid card to keep their bunny safe during travel and while we were moving. XXXX will not allow me access to the childrens money even though I have provided proof of identity proof of old address and proof of my recent mailing address along with my Social Security card and two government IDs. I have made it clear that this money belongs to XXXX children and that it is our money that we put onto a prepaid card for safekeeping that the company does not have the right to keep the money away from the children by continually asking me for the same identification and address information I presented in the first place

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 2021-03-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
The account reporting on my credit score is closed and it is " fraudulent '' and should not be reporting on my credit score. I want this account " DELETED '' from my credit score ASAP or me and my attorney will be taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Took out a loan from XXXX in XXXX, I was late, discover bought the loan, XXXX no longer has a student loan division. I paid off the loan in XXXX with XXXX. XXXX is still reporting it as derogatory and no one at XXXX can help. Ive called emailed and written they told me to get in touch with firstmarkservices which deals with all of XXXX student loans now. But they have no record on me. 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 explanation
Consumer complaint received 2021-03-08 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Applied Data Finance, LLC
State: AL

Complaint narrative:
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XX/XX/2021 there was a fraud committed on my account where fraudulent checks were in my name, not signed by me and deposited into my mobile banking account which made me delinquent to XXXX shared between my checking and savings. There was no investigation done on my case and I don't have the money that put in the account and taken out. I am not sure what to do. I want to keep my bank account and love Navy Federal 's services but they have not been any help within this situation and I need help with this Identity fraud. I am a full- time student and full-time employee I am very frustrated about these circumstances. Please let me know what I can do to get this cleared and not sitting on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
long time Capital One Visa card holder. Capital one keeps adding to my interest. I talk to a regular representative Friday XXXX XXXX and a supervisor I believe her name was XXXX. I tried to get them to credit my {$340.00} dollars in interest charges. They gave me some mumbo jumbo about not being able to credit the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC
State: AL

Complaint narrative:
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
please remove capital one credit card from my account : the account is no longer owed capital one bank usa ( closed )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Took out a loan from Citibank in XXXX, I was late, XXXX  bought the loan, Citibank no longer has a student loan division. I paid off the loan in XXXX with XXXX. Citibank is still reporting it as derogatory and no one at Citibank can help. Ive called emailed and written they told me to get in touch with firstmarkservices which deals with all of Citibank student loans now. But they have no record on me. Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX ... XXXX/XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed 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 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
There is an account listed on my credit file National credit Systems show for {$720.00} this is unknown and I have disputed with NO verification received. I want this removed off of my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. 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