vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
To Whom it May Concern, SouthWest Credit Systems was reported for reporting incorrect information on my credit report. The removed the negative collection item from my report after my first report to the CFPB. They illegally placed my account in collections again, and I was notified today by my credit monitoring system. I was not notified by mail, and in fact the collection is a totally different amount then the first collection attempt. I've asked on several occasion to prove a initial contract between Southwest Credit Systems and myself as the original contract and debt. They were unable to prove that I owed them any money. This the second time that they place this fraudulent information back onto my credit report. I will be bringing a lawsuit against them as they have violated ( Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. ) per my attorney. They've also been calling and making threats. The original agreement from Southwest Credit stated that I owed them XXXX dollars and my credit report now states that I owe XXXX dollars. Which both amounts aren't factual as I've never entered an agreement with Southwest Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: IA

Complaint narrative:
I submitted numerous disputes with XXXX, Transunion, and XXXX  with account : XXXX XXXX, XXXX XXXX. Disputes keep coming back saying that they have " VERIFIED '' account. XXXX XXXX States it's an installment account. Account Date opened : Balance {$260.00} ; XX/XX/XXXX, High Balance XXXX ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment. This item was updated from our processing of your dispute In XX/XX/XXXX Date of status XX/XX/XXXX. Now lets get to my Facts, I have received no proof that the account is in fact mine, no original consumer contract with my signature on it. I have received no signed paperwork by me showing I ever had an account with the original company. I have googled the original company and it says it's an internet company, I have never had an account with this company Fact, XXXX, Transunion, XXXX, and XXXX XXXX Have broken the LAW. Fact, none of the bureaus have verified this account and Failed to Provide Proof after many disputed requesting to show proof as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

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 2018-03-28 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: IA

Complaint narrative:
I submitted numerous disputes with XXXX, XXXX, and Equifax with account : XXXX XXXX, XXXX XXXX. Disputes keep coming back saying that they have " VERIFIED '' account. XXXX XXXX States it's an installment account. Account Date opened : Balance {$260.00} ; XX/XX/XXXX, High Balance XXXX ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment. This item was updated from our processing of your dispute In XX/XX/XXXX Date of status XX/XX/XXXX. Now lets get to my Facts, I have received no proof that the account is in fact mine, no original consumer contract with my signature on it. I have received no signed paperwork by me showing I ever had an account with the original company. I have googled the original company and it says it's an internet company, I have never had an account with this company Fact, XXXX, XXXX, Equifax, and XXXX XXXX Have broken the LAW. Fact, none of the bureaus have verified this account and Failed to Provide Proof after many disputed requesting to show proof as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
I checked my credit report today and discovered Hunter Wakefield Law office and entered an incorrect debt on my credit report with put giving me written info on debt vadility

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I purchased a vehicle from XXXX XXXX in XXXX, PA. I purchased the vehicle in XX/XX/XXXX. As of XX/XX/XXXX, my lender ( GM Financial ) has not received the title on this vehicle and I have not been able to register or drive it. 

I am filing this complaint because my friend XXXX XXXX bought a vehicle from this dealer in XX/XX/XXXX and never was able to license her vehicle either. She had to turn it back in to the lender and they are now showing it as a repossession on her credit. I want to be proactive in my complaint filing. 

This dealership is now gone from the location and I am paying for a vehicle I can not drive. 

My loan is with GM Financial Acct. # XXXX. I want to get out from under this untenable situation but do not want to end up with a repossession on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX I applied for a small personal loan to consolidate my debt but was denied due to a collection placed on my XXXX Credit Report. The issue is not only am i know the responsible party but I never even received the bill because the collection notices were being sent to an address that I haven't lived in in over a decade. 

Additionally, this bill was to be paid by my attorneys office on my behalf due to a car accident that I was involved in over 2 years ago. I made the collection agency aware of this when I first discovered the issue. All collection attempts were to go through his firm and not myself. 

XX/XX/XXXX I applied for a small furniture loan in which I was denied because the inquiry still wasn't removed from my report at which time I reached out to my attorneys office and was told that they were working on the issue. At this point, the collection agency refused to talk to me about my issue because I was being represented by an attorney. 

We are now approaching XX/XX/XXXX and we aren't any closer to getting this resolved and I cant refinance my loan on my home because of this inquiry. I am devastated and have been unable to sleep for months! According to my attorney, I sworn officer of the court, his office has requested a verified bill from them to submit payment " many, many times '' but to know avail. ( See attached emails. ) On XX/XX/XXXX, in a desperate attempt to get this matter resolved immediately, I relieved my attorney of his duties so I can deal with this matter directly since my life is being affected so drastically. 

After doing so, I asked if I can resolve this issue by making a payment and have the collection removed from my credit report immediately since I, nor my attorneys office was made aware of the bill in a timely manner. I was denied this right, thus, prompting my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
Aargon continues to report a debt that I informed them that was not my account. They requested a police report that was filed and submitted to them on two occasion via fax as they requested and they continue to claim they have not received the fax. 

I'm attaching the police report for your office to forward to them. Failure to remove immediately I will file a lawsuit for providing false information on my credit report

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 2018-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I had insurance because i was XXXX at the time and i guess they didnt update it into their system and i received multiple letters saying that i have to pay {$3000.00} and {$2500.00}. The date for the XXXX was sent out sometime in XXXX XXXX  2017 and i believe the XXXX can about just a couple months later. There was just not enough information for me on why i was being charged this if i had insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi- I applied for a credit card at US Bank for the XXXX XXXX XXXX. 

It had a bonus award for spending XXXX within 90 days of opening the account. 

After applying I got the card about 10 days later. Then 48 hours after meeting the spend requirement for the bonus, I got a letter saying they were cancelling the card because they said the charges were suspected to be for improper purposes. 

So I called right away after receiving the letter. They also said that they could not find my company in public records. I explained it was a Nevada LLC and just because I was in California that doesn't mean it doesn't exist and they should check Nevada records.

I also explained to the credit specialist " XXXX XXXX '' that US Bank was a Delaware corporation and Much like XXXX XXXX- this is suspicious activity to churn account fees ( this has a {$95.00} fee on the card and a way to get spend without paying out the bonus ). The guy honestly made no sense on the call and it appears like they are hiring just random people to do credit work. 

he also said he thought the purchases I made were suspicious even though I verified all of them. Some of them were chair massages for employees in XXXX XXXX which is axially a very common benefit in an competitive job market and he called it a " massage parlor ''. The call was a bit insane and I've never in my life seen anything like it. 

I asked to speak to a supervisor but he refused. All my calls to the bank go back to this same specialist and he said there was no appeal.

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 2018-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
I pulled a copy of my credit report and noticed there was a collection from two companies that I was unfamiliar with so I disputed with the credit reporting agencies. They sent back their response as valid. I still wasn't familiar with the accounts so I sent a request to the companies directly and they have not responded and I mailed the request in XXXX. The first company is XXXX XXXX XXXX XXXX the other is XXXX XXXX XXXX. Again I have no idea what these two companies are collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove the following fraudulent inquiries from my Transunion report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: VA

Complaint narrative:
Security Credit Services placed two derogatory accounts on all three of my credit reports without sending me a notice to verify or validate this alleged debt. XXXX XXXX XXXX previously sent me a notice in the mail about this debt in XX/XX/XXXX. On the XX/XX/XXXX, I sent a letter via certified mail for validation and there was nothing sent to me within or after 30 days as requested. Security Credit Services then places these derogatory accounts on my credit reports without proper validation. I found this to be extremely unprofessional. Without proper validation, how can you place something on someones credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Previous complaint closed without resolution. Initially I filed a complaint against California Check Cashing Stores of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX for fraudulently filing my XX/XX/2017 income tax return. These returns were filed without a CA check cashing employee asking for or requesting consumer deductions, without disclosures of fee ( s ) and without a signed authorization. I am still unsure if the funds have been processed and received.

Upon company 's response ( blatantly telling lies about consumer signing consent ) CFBP closed the case. I have completed feedback that there is NO resolution for this closed case file. It appears to me that it is simple to address this issue for me. I did not authorize verbally or with a signature for this company to file my income taxes. They state that I signed authorization. To see the truth, the company simply need to supply that signature, which I know that they don't have. 

This is not about customer service, this is about a consumer being robbed of her hard earned money. This complaint is being filed because California Check Cashing Stores knowingly gave false information to the CFPB regarding complaint filed. Someone should and need to be held accountable so that other unknowing customers are not duked into services by California Check Cashers. Plus, I want my money, can you at least assist with that. Should CA check cashers pay for fees associated with unlawfully filing of income tax return? Should CA check cashers have the authority to use unauthorized accounts? Are they not held responsible for the actions of its employees? Please assist with the next step of this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NE

Complaint narrative:
I applied for a loan modification ( XX/XX/XXXX XXXX, when I got the option back it was {$60.00} more than I was already trying to pay and more than I could afford, as my husband had become unemployed. I tried to contact them ( XX/XX/XXXX ) to let them know our situation changed and that I needed to reapply. But I could not get thru I had to leave a detailed message. I never did get a reply back. I continued to try and pay as much as I could. I called again ( XX/XX/XXXX ), to ask about doing another loan modification after my husband got a job. Then they denied a loan modification ( XX/XX/XXXX ) as I rejected the previous one. I also got my statement and noticed a few of my payments were either applied a month after received ( received XX/XX/XXXX applied XX/XX/XXXX ) or not at all ( XX/XX/XXXX ). So I saw I am 5 months behind, when I am only 3 ( a payment XX/XX/XXXX probably received after notice sent ). I tried to call again, to get that fixed and to question about the denied modification, and After being on hold for 10 minutes I had to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I purchased a home in XX/XX/XXXX with a XXXX XXXX. The mortgage was subsequently sold to US Bank. I never missed a payment ; I was never late. My husband died in XX/XX/XXXX. US Bank foreclosed the home in XX/XX/XXXX. US Bank claims there's a 'second mortgage ' on my foreclosed home that was sold with a clear title in XX/XX/XXXX. No one attempted to collect this 'second mortgage ' until after the XXXX for the first mortgage was satisfied in XXXX. US Bank is holding the POB as hostage with a claim to an insurance policy ( held under escrow for {$130000.00} ) to ensure the 'second mortgage ' gets paid. I held an insurance policy on the dwelling until XX/XX/XXXX - US Bank never needs to purchase another policy nor bill me for the policy that was never requested or necessary. I have attempted many times to settle this matter by myself with this financial institution but I have been unsuccessful. I have emailed, mailed, faxed, etc., all my documents ; made numerous phone calls, some that I was disconnected but most had significant wait times and the person on the other end of the phone is always confused about my mortgage. I have wanted to pay this off, clear my name, clear off derogatory remarks from all three credit bureaus and move on with my life. If I pay what they are asking, I will pay XXXX getting a refund. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-28 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: LEXISNEXIS
State: FL

Complaint narrative:
I've contacted the source for the credit agency Lexis Nexis to dispute bankruptcy case numbers XXXX and XXXX they have conducted an investigation and deleted the information. They informed me that that the reporting agency could see that it's been removed from the reporting source. The reporting agencies, XXXX, XXXX and XXXX continues to report that Lexis Nexus is reporting the information is correct and remains the same. I've submitted the report from Lexis Nexis and they still refuse to correct the information or show proof of anything different from Lexis Nexis or the Courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: Credit Plus Inc
State: FL

Complaint narrative:
On XX/XX/2018 I made an inquiry to an on line company about refinancing my home. I talked to the agent on the phone to get basic information. With out my consent or knowledge a Hard credit inquiry was run which has adversely affected my credit score. This is in error and will stay on my report for 2 yrs. The company used to do the credit report was : Credit Plus, XXXX, MD XXXX XXXX Any help in this matter would be appreciated. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XXXX refuse to remove negative information about credit card. XX/XX/XXXX called to settle account rep said nothing owed account is closed with XXXX balance. Months later received updated credit report account reported delinquent with incorrect balance {$2000.00} instead of {$1300.00} ( which I was told was a {$0.00} balance ). Disputed the information denied claim information remains. XX/XX/XXXX tried again disputing information denied. XX/XX/XXXX spoke to credit bureau advised to dispute with XXXX so I did and got absolutely no where. The lady involved from synchrony told XXXX that they will not update my information told me my account was sold to a third party. If I had a problem with the amount in question I had to contact the company it was sold to. I proceeded to ask how will that help with my complaint if my issue is with your reporting not the third party it was sold to. No answer. 
Credit agency tried again reporting as to old remove from file and denied and synchrony updated the file that account information was updated in XX/XX/XXXX and last payment was received in XX/XX/XXXX and I havent done anything with this account. Im so sick of this account its been nothing but problems and everyone pointing the fingers and passing the buck. And in the end Im getting hurt.

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 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC
State: OH

Complaint narrative:
XX/XX/2018. I realize I was misquoted by XXXX XXXX and since XX/XX/2018 I have reached out on numerous occasions to rectify the issue. I was told the process could take anywhere from a couple weeks that turn into now 20 days to process. We have now gone past that timeline and I still have not been told anything of my {$500.00} credit being returned to me via mail or put back into my account

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 monetary relief