vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KS

Complaint narrative:
XX/XX/2020-XXXX XXXX XXXX XXXX XXXX approached me to see if I was interested in purchasing a home in the New York area because I had been wanting to invest some money on purchasing rental property for a monthly income since I had retired. I responded and told him yes, what did he have and how much. I told him to send me the info on the property that I could purchase so I could look it up on the internet. He said it would cost me {$2700.00}. A woman he was working with stated that they were selling these properties because of a special government grant for foreclose homes and there was an abundance of them and they could be purchased for a very low price. Two had already been sold so if I was interested I needed to hurry with the money before they were all gone. 
XX/XX/2020-XXXX XXXX XXXX  XXXX texted XXXX XXXX XXXX the following message : 'I found XXXX mother a house its {$2600.00} though in XXXX 4 bed 2 bath. '' She sent:XXXX XXXX - " https : XXXX '' ; XXXX XXXX. - '' this is a different one. The other one sold. XXXX XXXX '' You gon na want to get the other property? '' Monday, XX/XX/2020 XXXXXXXX XXXX - " Hey were you able to get the money everything is done just got ta wait for the paperwork that's gon na b mail to you. '' XXXX XXXX.- " I stated Ok, thank you. '' Tuesday, XX/XX/2020 XXXX XXXX. - " Routing XXXX, Account XXXX, XXXX XXXX, XXXX XXXX, NY XXXX '' ; XXXX XXXX - '' XXXX  XXXX ''. at XXXXXXXX XXXX. I ask What Bank is this going to, please? XXXX Also, what is the amount? XXXX XXXX- '' {$2700.00} '' I said OK. " HSBC '' XXXX XXXX - I ask did she get the picture and address? XXXX XXXX -XXXX answered, " She getting it for me now. '' XXXX XXXX " Is this the address of the bank? response : XXXX XXXX - '' No, hers ''. I told XXXX XXXX ; XXXX XXXX - I needed the bank address for my bank to send the wire to??? '' He gave it to me. XXXX XXXX. I told him the money was on it way. I pray this is all legit ; I am nervous because I do not know anyone, very nervous. XXXX XXXX said don't be ; she is gon na send me a contract stating that if anything goes wrong she would refund me the money with no problem. She gon na send me a contract. Then I asked him to ask her since it was a federal program and the purchase was so low did she know if they had this program here in XXXX that I could look into. He stated she was going to find out right now and would email me everything. She also sent a house in XXXX XXXX in XXXX XXXX, PA XXXX with a potential profit of {$38000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Haven't got any response from Transunion. They have a deregatory remark on my credit report as Bankruptcy and they haven't verified the item. Got a letter from the court stating that they are not reporting to credit bureaus and have my information freeze.

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 2020-12-21 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: Global Lending Services LLC
State: FL

Complaint narrative:
I received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
I would like this collection removed from my credit report. I was NEVER contacted by this company about any owed debt. Now I have a major derogatory account on my credit report. If I had been notified about any debt, I would've paid said debt. But I have not been notified at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services have placed two collections accounts on all three of my credit reports. I have contacted both Credit collection Services and each of the three credit bureaus with information verifying the debt and the ability to collect. The three credit bureaus have received certification from Credit Collection Services that the accounts are valid. But I have not received any information regarding the debt verification and the ability to collect after asking repeatedly for the past several months.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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:
I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. 

XXXX XXXX XXXX : Account # XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX-RETAIL : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX CARD SERVICE : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
THIS IS MY 20TH COMPLAINT AGAINST THIS FRAUDULENT AND CRIMINALLY INCLINED SO CALLED MORTGAGE SERVICER NAMELY SELECT PORTFOLIO SERVICING ( SPS ) THAT FAILED TO PROVIDE ITS STANDING PROVING THAT IT IS A LEGAL MORTGAGE SERVICER WITH A LETTER DIRECTLY FROM THE REMIC TRUST, IN SPITE OF ASKING SELECT PORTFOLIO SERVICING ( SPS ) PER RESPA. 

PREVIOUS MORTGAGE SERVICER XXXX NEVER ASSAULTED MY PERSONAL PRIVACY BY ACCESSING MY CREDIT REPORT AT ALL. 

THIS FRAUDULENT AND CRIMINALLY INCLINED SO CALLED MORTGAGE SERVICER NAMELY SELECT PORTFOLIO SERVICING ( SPS ) ACCESSES MY CREDIT REPORT WITHOUT MY CONSENT EVERY MONTH CREATING 35 DROP OF MY CREDIT SCORE. 

THIS FRAUDULENT AND CRIMINALLY INCLINED SO CALLED MORTGAGE SERVICER NAMELY SELECT PORTFOLIO SERVICING ( SPS ) VIOLATED LAWS, BUT NOT LIMITED TO FCRA AND PRIVACY LAWS. 

THIS FRAUDULENT AND CRIMINALLY INCLINED SO CALLED MORTGAGE SERVICER NAMELY SELECT PORTFOLIO SERVICING ( SPS ) IS IN THE REAL BUSINESS OF FORECLOSING. 

CC. OFFICE OF CALIFORNIA ATTORNEY GENERAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: NATIONWIDE ACCEPTANCE LLC
State: FL

Complaint narrative:
I received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.

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 2020-12-21 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.

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 2020-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have asked XXXX XXXX several times for debt validation as well for information regarding their ability to collect. I have not received any response at all in the last several months. I have also sent letters to all three credit bureaus asking for information about this debt, they have contacted XXXX XXXX who has certified that the debt is valid and they have the right to collect yet I have received nothing at all regarding this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade CommissiIdentity TheftAffidavit .Please delete the items as soon as possible Its slowing me up & Im trying to do better in my life.

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 2020-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This issue is about Capital One case number XXXX. On XX/XX/2020 I file a chargeback case with Capital One for a purchase with XXXX XXXX for the amount of {$5000.00}. On XX/XX/2020 we resolved the chargeback for {$5000.00} at which then Capital One rebilled these funds back to the merchant XXXX. The transaction listed on the bill is XXXX XXXX XXXX. 

XXXX is requesting information specifically from Capital One regarding the outcome of the case. XXXX wrote " You just need to contact your card issuer 's dispute department. Provide them the XXXX case ID ( XXXX ) as reference and let them know the status of the case on our end which is still open so they can process an update. '' If Capital One does not do this I will lose my {$5000.00} along with the merchandise I never received. 

I have spoken with Capital One and they get all defensive and say they can't do that. I had an issues with Capital One trying to cancel the chargeback. I was not allowed to cancel the chargeback the merchant had to cancel the chargeback. After about 100 or so calls I asked " do you have a fax number? '' from there I was able to have the merchant cancel the chargeback. Why I explain all of this? It was Capital One 's canceling process. 

With XXXX this is their process of closing filed chargebacks. They want to hear from Capital One about the case so they can close the case and release funds to the merchant. I do not see why I have to come here and file a complaint for something that is a simple task that they have fought me on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: FL

Complaint narrative:
I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. 

XXXX  XXXX  XXXX : Account # XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.

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 2020-12-21 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: FL

Complaint narrative:
I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. 

XXXX XXXX XXXX : Account # XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX  : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 

XXXX XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.

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 2020-12-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Haven't got any response from Experian. They have a derogatory remark on my credit report as Bankruptcy and they haven't verified the item. Got a letter from the court stating that they are not reporting to credit bureaus and have my information freeze.

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 2020-12-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$8800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not 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 explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Attached are the accounts that you verified that I owe. I have been asking for a contract with your company bearing my signature. Or a contract with the original creditor bearing my signature. As I have told the original creditors that I am a victim of identity theft as I will also attached a police report. As you are reporting it as bad debt on all the credit bureaus. I want you to furnish a contract bearing my signature or receipt that I have used the card or the accounts that you said is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I was alerted the other day of a collection that popped up on my credit.A collection for a debt I was not notified of, by a company whom I looked up and shows not to be licensed to collect in my state Medical Data Systems. Not only that, but as I have never been notified of this there has not been opportunity to dispute. This should immediately be deleted from my credit report as it can not reflect correct information. Furthermore as medical information is Hipaa protected and this company is based in another state and not bonded to collect in Texas they can not have a signed contract verifying said debt. I have attached a screen shot of the secretary of state website where the only company under this name that was bonded to collected in Texas has that bond cancelled.

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 2020-12-21 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade CommissiIdentity TheftAffidavit .Please delete the items as soon as possible Its slowing me up & Im trying to do better in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade CommissiIdentity TheftAffidavit .Please delete the items as soon as possible Its slowing me up & Im trying to do better in my life.

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 2020-12-21 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: TN

Complaint narrative:
I have previously disputed this account. I am disputing this again however I am including new information not previously sent in a dispute. The account I am disputing is XXXX XXXX  XXXX. The new information for this dispute is the following : XXXX XXXX is reporting 23 months of charge offs. That is incorrect. The status of this account reporting is incorrect. In addition, this account is also too old to remain on my credit report. Identity documents, including valid photo ID and address verification, have been submitted to this complaint.

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