vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-11 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: LA

Complaint narrative:
I have credit inquiries on my credit report that I do not recognized and/or didn't authorized. Some are multiple in the same month. I have tried to dispute these with Transunion several times but they keep saying that they are mines, but they are not mines.The hard inquiries are below that isn't mines. 

1. XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX ( XXXX ) 4. XXXX XXXX ( XXXX ) 5. XXXX XXXX XXXX ( XXXX ) 6. XXXX  XXXX XXXX ( XXXX ) 7. XXXX XXXX ( XXXX ) 8. XXXX XXXX - XXXX  ( XXXX ) 9. XXXX XXXX - XXXX ( XXXX ) 10. XXXX XXXX - XXXX ( XXXX ) 11.  XXXX XXXX - XXXX  ( XXXX ) 12. XXXX XXXX - XXXX  ( XXXX ) 13. XXXX XXXX XXXX ( XXXX ) 14. XXXX ( XXXX ) 15. XXXX ( XXXX ) 16. XXXX ( XXXX ) 17. XXXX XXXX ( XXXX ) 18. XXXX XXXX ( XXXX ) 19. XXXX ( XXXX ) 20. XXXX ( XXXX ) 21. XXXX  ( XXXX ) 22. XXXX  ( XXXX ) 23. XXXX  ( 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 2018-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
My car was repossessed and I called my insurance to cancel my auto insurance. They did not cancel my policy and apparently continued to bill me. I never received any notice or bill from XXXX stating that they were still charging my policy until the collections notice appeared on my credit report. The charges should be removed and are invalid. I did not have possession of the car and I had already called XXXX to cancel my policy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: CITIBANK, N.A.
State: GA

Complaint narrative:
This Complaint is intended as means to clarify my contention that the XXXX laptop computer I purchased from XXXX on XX/XX/XXXX is intended as more or less a disposable toy designed to generate as much revenue as possible for XXXX and its myriad partners, largely -- but not entirely ( the system battery is by no means intended to be accessible to users, as I have yet to even locate it ) -- owing to the absence of adequate cooling for the device 's Central Processing Unit. As seen in the attached photo, the customary cooling configuration for laptop computers involves the use of CPU paste ( not visible in the photo, but assumed to be present ) and an exhaust fan which sucks air through its top and blows it out the side air vents of the laptop, while also funneling air to the CPU via a flat copper rod. While the this configuration may well suffice for an XXXX CPU whose maximum speed is 2.4 GHz, it can not adequately cool an XXXX CPU whose nominal speed is 2.4 GHz -- designed to operate at speeds as high as 3.3 GHz -- as is the case with the XXXX XXXX mobile CPU that powers my device. This explains why my device is not reliable for anything more CPU-intensive than email, as the device will invariably crash when used for extensive multi-tasking of any kind or intensive video rendering. 

Moreover, the device is recycled and fraudulently advertised as retail, as XXXX has persistently failed to provide me with an explanation for the six-month discrepancy between when my laptop computer was manufactured on XX/XX/XXXX and when it was allegedly received ( and subsequently registered with the manufacturer, XXXX ) on XX/XX/XXXX by the supposed distributor, XXXX XXXX ( XXXX ), given the precarious and short shelf-life of laptop batteries. As recently as XX/XX/XXXX, I presented Citi with an offer to be forwarded to XXXX that I would reduce the amount of the dispute in question from {$370.00} to {$50.00} if XXXX were willing to demonstrate that the relevant issue at work with the dispute in question is shoddy ( as opposed to fraudulent ) distribution by procuring from XXXX a replacement device that can be verified as having been manufactured within a month of being delivered to me. Thus far, Citi has failed to even acknowledge receipt of my offer, which I resubmitted today via fax.

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 2018-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT

Complaint narrative:
I bought my house on XX/XX/XXXX and was required by the lender to have an escrow setup to pay my home owner 's insurance, PMI and property taxes. In XX/XX/XXXX of last year I received my property tax bill from the county ; the amount due was {$730.00}. XXXX, my mortgage company, did pay my property taxes in XX/XX/XXXX in the amount off {$1200.00}, although the county was still showing me as delinquent on XX/XX/XXXX when I received a delinquent notice from them, XXXX had not paid to the account number associated with my address. After getting that resolved the county said i had overpaid by {$460.00} and was due a refund, this was on XX/XX/XXXX. I sent the county a request for the overage to be sent to me in a check. I waited a month and still had not received the refund check so i called the county to ask why, and they told me that XXXX had been calling them about the refund and wanted the check sent to them instead ; The county is still holding the refund while this is being resolved. The beginning of XX/XX/XXXX I received my escrow analysis from XXXX and they are still overcharging me monthly for property taxes, they're also saying I have a shortage of {$250.00} in my escrow and my payment to cover the shortage will now go up by {$35.00} a month. I have sent them numerous emails and called several times to try and resolve this matter and prove to them that I am being overcharged for property taxes every month and that I shouldn't have a shortage in my escrow because i ended XX/XX/XXXX with a surplus of {$120.00}. XXXX either doesn't respond in a timely manner, like their website promises to do or they insist that the amount they are charging me on property taxes is what my county is saying I should be paying ; That is an out right lie, my property taxes did not go up by almost {$500.00}, I don't know where XXXX is getting their information, but the county says I will not be paying anywhere near the {$1200.00} that XXXX is charging me.

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 2018-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I make my monthly car payments to Santander Consumer USA weeks early. I get my Social Security Benefit deposit every third Wednesday. On that day, I get a XXXX Postal Money Order for {$220.00} and mail my next month 's car payment due on the XXXX of the following month and send it Certified Mail with return receipt and signature required. 

I got an alert on my XXXX XXXX that my auto loan balance had INCREASED and was PAST DUE after I had already made my XX/XX/XXXX monthly payment of {$220.00} far in advance. Santander Consumer USA received by payment in Certified Mail with a return signature on XX/XX/XXXX. They LOST this payment. 

They then applied someone else 's payment of {$410.00} to my account, then removed the error. I was confused about the {$410.00} figure but believed Santander was playing around with the interest and principal somehow, and as my account showed current, was not too alarmed. 

They then received my XX/XX/XXXX payment, a US Postal money order, on XX/XX/XXXX, Certified mail with return signature. BUT they credited the XX/XX/XXXX payment as my XX/XX/XXXX payment, leaving my account PAST DUE for the XXXX payment, as it was now XX/XX/XXXX. 

They had no record of the XX/XX/XXXX. payment 's receipt on XX/XX/XXXX when I called them. They said I had to " escalate '' the issue to " Account Services, '' faxing them all the copies of receipts I have for the mail sent and signed for, which I did to the cost of {$20.00} at XXXX XXXX ( 12-page fax ) and then mailed them a hard copy to their XXXX PO Box ( {$7.00} ) and also paid for a US Postal Money Order inquiry at the Post Office ( {$5.00}. ) I also had to pay an extra {$220.00} to bring my auto loan account current with Santander Consumer USA by using their online XXXX XXXX fast pay arrangement. 

They could not give me a name in Account Services to talk to, or a phone number to call them directly. They have the money order serial numbers for XX/XX/XXXX ( received there XX/XX/XXXX ) and XX/XX/XXXX ( received there XX/XX/XXXX ), the return signature cards sent back to me with their employee signatures and dates received at their XXXX PO Box , and other necessary copies related to this error. 

They tell me it will be 3-5 business days before any action will be taken, and yet I am out an extra {$220.00} for a payment I had already made, with no explanation of where that US Postal Money order serial numbered payment is or to which account it was applied to.

I have made every payment to Santander Consumer USA ahead of time by usually a week or two weeks, and yet they still found a way to leave my account in a Past Due state and would do nothing to repair that status without me making an extra payment.

I've bought cars my entire life, and have not ever once had this happen,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax has repeatedly denied me access to my own credit report after i have sent in to their dispute/identity center at least a dozen times a copy of my ID, SS Card, and Proof of Address in XX/XX/2016.. Each time they are claiming that when i call in or try and access the report online that my own information is invalid, that my IDs are not correct and/or that the security questions I answer over the phone or online are wrong. 

I am not sure what is going on but for the last at least 2 years ( since XX/XX/2016 ) since i disputed two wrongful collections ( XXXX XXXX XXXX ) on my file with Equifax, I have been unable to access my credit report and the dispute never was resolved. 

I am being treated unfairly and have no idea where the copies of what they are requesting are going. When I call i am treated rudely, yelled at or degraded and when i finally get someone who is helpful they tell me that everything i verify is not true. 

I've asked for an investigation multiple times as i believe the data is not correct or merged with someone else. I send what they ask to prove my identify and they say it's not enough or to send it in again. I have literally done this two dozen times and all i am trying to do is get something removed from my credit report but i am not allowed to access it myself to do so ( only lenders apparently can ) This is ILLEGAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: MA

Complaint narrative:
I talked to XXXX XXXX XXXX XXXX about a car loan that was on my Equifax credit report that I never had But my XXXX does ( auto loan ) so I wonder if it could be her

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX I went to the Emergency Room at XXXX XXXX XXXX XXXX in XXXX, using my VA Medical ID Card, to obtained treatment for XXXX XXXX XXXX. XXXX accepts VA Health Patients with ID, and sub contracts their ER services to outside providers. THE ER uses the VA Benefits ID I give them to bill the service back to the VA, which in this case, the bill goes to the VA 's XXXX, Fl., offices. 

XXXX XXXX XXXX XXXX billed me {$600.00} for the ER visit, which I paid them off in monthly installments until it was paid in full. But suddenly I got a bill for {$580.00} from XXXX XXXX XXXX XXXX XXXX XXXX that had a XXXX, Fl., XXXX XXXX  as an address. 

I wrote to them asking what the charge was for and got a vague response of " ER doctor visit. '' Well this doctor spent as much as 10 minutes with me before writing a prescription. neither I nor the VA deemed that worth {$580.00}, and the VA settled the bill at {$42.00} in XX/XX/XXXX. 

THE VA also warned XXXX that they could not seek any further payment from me as a Veteran who used the ER services at XXXX under an agreement with the hospital to provide services to VETS who lived more than 40 miles from the nearest VA hospital facility. The nearest facility is XXXX XXXX, Fl -- 75 miles south of XXXX, Ga. 

XXXX, however, has thrown this bill into collections and it is showing on my credit report TWICE under different collections agencies. 

BY Law XXXX can not seek payment from a Veteran once they accepted payment from the VA to settle the bill. 

They MUST remove the items from my credit report and desist from further harassment from me for a bill which they can not legally collect. 

Because of their harassment, I have ceased using XXXX for ER services and when I get sick now, I have to drive sick down XXXX to XXXX XXXX to be treated. This is dangerous, but with this kind of greed locked into the civilian system, I have no alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX a fraudulent application for credit was was initiated under my name. I received an inquiry alert on XX/XX/XXXX and immediately called Chase Bank. The fraud department at Chase flagged the application and assured me the inquiry would be removed from my credit file. I followed up by phone on XX/XX/XXXX because the inquiry was still on my credit files and was told by a representative that it was indeed flagged fraudulent will should be removed. On XX/XX/XXXX I send a certified letter to Chase requesting them to remove the inquiry in writing ( see attached ). Chase responded ( letter attached ) asking for information I had already provided in my original letter ( date of inquiry, credit bureaus reported to, etc. ) and stating they would investigate in 30 days. It has already been over 90 days since my initial communication with Chase. I have also attached my FTC identity theft affidavit, as well as, credit reports still showing this fraudulent inquiry. I attached a screen shot of my credit profiles verifying fraud alerts were placed on my credit profiles on XX/XX/XXXX after learning of this activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
Dear reader, I am with HSBC since XX/XX/XXXX and got my social security nr on XX/XX/XXXX.

since then i was told that i would have to wait to get my credit score but I never had it.

When I contacted XXXX and XXXX, they both answered that I was unknown to them.

On XX/XX/XXXX i started communication with my account representative informing him that i didn't have the possibility to see my Credit Score.

He told me to wait 3 months as my Social Security nr was too young and i had to give time to the system to generate enough history.

Since then i have been in contact with the Branch Manager at HSBC XXXX, then with the Manager, Executive Office | XXXX   Customer Relations | XXXX XXXX XXXX XXXX, with no more results ( all emails available between XX/XX/XXXX and today ). 
They told me that they report the history of my credits properly and the problem is at XXXX side so i had to call XXXX. I called but after many hours of discussion with different people it ended that they give me a list of information that HSBC had to provide me to be able to trace the reporting.

When sending those details to HSBC they told me there were some internal nr they can't provide me with and asked me for the name of the person of XXXX that i had on line but obviously call centers never give their name.

I have all emails to HSBC but not for experian those were only phone calls.

I am really desperate to find a solution to this problem as obviously i am stuck without any possibility to buy a car or a house.

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I requested by certified mail that XXXX XXXX XXXX Furniture be validated or that the debt be removed from all three reporting bureaus. They've failed to validate this debt in the amount of {$3000.00} opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a fraud alert on my credit report. The below companies ran inquires without my permission. I disputed the below items with the credit bureau but nothing has changed. Anytime anything is done with my credit I am supposed to be contacted first. Please remove below inquires. Thanks XXXX XXXX XXXX XX/XX/2017 CHASE CARD Bank XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12 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: Premium Credit Bureau
State: MI

Complaint narrative:
At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from Premium CB. On XX/XX/18 I sent a certified letter to Premium CB requesting proof of " written authorization '' by me with my signature to pull my credit. Premium CB only responded stating my file was accessed by " a vetted subscriber ''. Thus I am assuming they have to such documentation and do not have written authorization from me to either themselves or their " vetted subscriber '' According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion Premium CB is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my credit report or be provided proof I have given " written instructions ' to pull my credit. 

https : //www.ftc.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX is showing on my credit report as a collection and I checked and they are not registered with the Secretary of Ohio to be able to collect this debt as I have resided in Ohio for the last year. Ive contacted the credit bureau as well as the agency and they have failed to remove the collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I owed {$1600.00} to the XXXX XXXX XXXX during my final year in college- 2016. I attempted multiple times to pay this debt, and wrote them a check requesting that it be submitted after a certain date.

They ran the check before the requested date and it bounced which charged me on the bank side, and on their side.

If they would have cashed the check on the day I requested ( my pay date ) they would have had their money on time and not submitted me to collections.

Additional charges were made to me such as a tax warrant penalty, filing fee along with penalties and interest they had made against me during the 5 months after the debt being due.

I made payments to the XXXX XXXX XXXX to absolve this debt.

The XXXX XXXX XXXX  submitted this to a debt collector called Harris & Harris , Ltd. in XXXX, IL The amount I owed them was {$1700.00} which I payed within a few business days of this claim.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: TN

Complaint narrative:
XX/XX/2016 the amount of the Debt is XXXX. Talk to a woman 1 time and told her that my insurance paid for that. Even the lady at the office said my insurance was taking care of that. If I would have known that my insurance wasnt going to take care of it I wouldnt have never went through with the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation