vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
I called SPS because enrollment was down at the college I work at, they offered me a forbearance until XXXX. 

Now I am being told that there is not a guarantee to help with the payments that were included in the forbearance. 

They won't accept my child support documents stating their policy states that need a court order to show child support, see attachment On XX/XX/XXXX I asked them in writing to remove my child support income and not consider it. Today they sent a letter stating the same thing, see attachment SPS allowed me to correct my start date for work but won't allow to remove child support from my application, see attached application A rep from SPS mortgage rep stated that they didn't want to help me and would rather foreclose on the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: LA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
After reviewing my credit report, I noticed The Bureaus, INC was reporting on 3 alleged debts on my 3 credit profiles. I contacted this company with a Debt Validation on XX/XX/2021 via certified mail. They were in receipt of these letters on XX/XX/2021 at XXXX XXXX. The Bureaus responded with based on the records of their clients, they were able to provide me with information. How did you verify these alleged debts? Who did you interview? What department and personnel did you speak with with? This is not providing any proof that these are my alleged debts. Pursuant 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. And may I remind you that none of this information can be factual. I may also add that this company is in violation of my federally protected rights too in response to me. 15 USC B ( 5 ) which states that not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This was violated 3 times. I later respond with second letters on XXXX via certified mail requesting an original signed contract showing I have business with The Bureaus, INC which they received on XX/XX/2021 at XXXX XXXX. They responded to only 1 request and never responded to the 2 other letters. Again My rights were violated through 15 USC B ( 5 ). I have no business with this company. I have never consented to contract with The Bureaus INC, nor gave them permission to breach my privacy. I am aware that I am a Natural Consumer and original creditor. This company has violated my rights in tune can carry up to {$1000.00} per violation. These alleged debts must be deleted from all 3 credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDIT COLLECTION SERV XXXX  Balance -. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: World Acceptance Corporation
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

WORLD FINANCE CORPORAT is currently showing 30 days late for the month of XX/XX/XXXX and 90 days late for the month of XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Western-Shamrock Corporation
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

My request for the correction and removable of the erroneous information about Western Shamrock has been diligently neglected by 3 Credit Bureaus. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX  began to demand and add large amounts of fees. From the XXXX credit line, I went to owing XXXX. It did not matter if I had paid the current bill. A new statement generated larger than the first. I decided to cancel the card after a representative became immensely angered at my request to cancel the card services. He stated, " It doesn't matter if you cancel ; we will still charge you interest and fees even after cancellation. '' The cards were not canceled, but only the secondary card holder 's card was suspended. They also provided false information concerning when the account was opened. It was not opened in XXXX. It was supposed to be broken when requested, and three months later, I found the report was still opened. XXXX XXXX XXXX  conducts fraudulent acts that compromise the credibility of the person with the credit. The company promises solutions and has never delivered on those promised solutions. I was purposely put into a situation where they would report due months, forcing them to report to the credit bureaus. The credit bureaus were made aware and never investigated the case using evidence. No matter what evidence I present, the Bureau favors the creditors. Where are my consumer 's rights? Can this company threaten me in this manner?

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 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Managed Recovery Systems, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on MANAGED RECOVERY ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
on XX/XX/XXXX I NOTICED PENDING TRANSACIOTNS ON MY ACCOUNT THAT I DID NOT RECOGNIZE. I proceeded to report it to AMEX SERVE however I was told that nthere was nothing that they could do whikle the charge was still pending. On XX/XX/2021 i notified your organization ( American Express Serve, ect, ) of two charges that appeared on my account that I did not make. ( These charges and their specifics can be found in the attachments to this communication. Furthermore, in addition to not making the aforementioned charges I did not authorize, nor did I authorize another party, know of, or benefit in anyway from the transactions that were/ are in question. 

Despite the above facts, AMEX SERVE sent a communication to me on XX/XX/2021, indicating that they had investigated the matter and concluded that the transactions were infact authorized. Also, somewhat related to this issue ( but NOT THE SUBJECT OF THIS COMPLAINT. ) said organization sent me notice ( within moments of their email stating they completed their investigation on the unauthorized transaction. ) and this notice stated that my account was permanently suspended. No further information was given and subsequently I was locked from my account and other information. 


As prescribed by law, I have made demand on said organization for the materials that they used in their determination. All requests are not answered. Customer Service states that the account is permanently locked and they cant see or disclose anyhting I am not resposible nor am I suffering the lose for such transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

NCB ( XXXX  XXXX XXXX XXXX ) was mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX  Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc.
State: AZ

Complaint narrative:
In XXXX I purchased furniture and a dryer from Conns in XXXX Az. I was overcharged {$100.00} for the recliner. Conns is aware of the issue because they notified me. Ever since XX/XX/19 they say they will credit my account with XXXX XXXX and they have NOT done that. I was told it was sent to XXXX XXXX at the end of XXXX. We are now at XX/XX/XXXX and they credit has never been sent. Conns says check with XXXX XXXX and XXXX XXXX says they need it in writing from Conns and Im in the middle. I was OVERCHARGED by an inexperienced sales person. This needs corrected now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent in Equifax. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Bank report false information to the credit bureaus yes the car was repossess but the car wasn't repossess from my residence or worksite. Ally Bank contact XXXX XXXX aka XXXX XXXX to find the shop to gain repossession of the car. During ligation I was told I can bring in XXXX XXXX in as an third party defendant to find and gain repossession of the car in case docket # XXXX. Ally Bank non-suited the case XXXX XXXX the case docket # XXXX and less than an week later I receive a letter claiming they have the car from the letter was posted dated XX/XX/2021. Ally Bank had the car during ligation and kept it conceal that's basically Fraud. I believe the main reason why Ally Bank non-suited the case is to avoid paying me the {$40000.00} bond for a wrongfully issue " Writ of sequestration '' and to protect their lawyer from the charge of perjury on an sworn declaration. 

Ally Bank is trying to make it look like I put the car in the shop and hide it and they later repossess it. This is false XXXX XXXX hide the car at an shop and didn't me where and Ally Bank later repossess the car by contact XXXX XXXX without letting me know and then file an illegal lawsuit pretending that they never got in contact with him. If Ally Bank refiles then I will remove the case to federal court and counter claim for misrepresentation and fraudulent concealment.

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 2021-11-06 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: I.C. System, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus is reporting inaccurate information on I C SYSTEM. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-11-06 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: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX - XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX, XXXX  Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX - XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: CL Holdings LLC
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureau is reporting inaccurate information on XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: HW Holding, Inc
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: QUALITY ACCEPTANCE LLC
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation