vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-14 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX, XXXX credit file dated XX/XX/XXXX, XX/XX/XXXX,. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

[ I Was alerted through my credit monitoring service that you pulled a hard inquiry on my profile that i did not authorize. ] Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my XXXX  and XXXX  file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you. 
Please contact me immediately at the address listed below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2018-05-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
{ Credit Bureau : Experian, XXXX } { Credit Bureau : Address { XX/XX/XXXX } RE :  Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made. 

I contacted [ XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ [ XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX CA 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 non-monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from ERC ( XXXX XXXX XXXX ) which claimed that I owed {$850.00}. 

On XX/XX/XXXX I mailed a letter requesting validation ( not verification ) and requested the following : Explain and show what the debt is for specifically ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and registered agent ERC ( XXXX XXXX XXXX ) did not respond with the requested information as required by the State of California. 

On XX/XX/XXXX ERC ( XXXX XXXX XXXX ) reported a collection account on my XXXX credit report the same day they sent the debt collection notice. 

ERC ( XXXX XXXX XXXX ) did not allow the required 30 days for validation ( not verification ). 

On XX/XX/XXXX ERC ( XXXX XXXX XXXX ) updated the collections account. 

ERC ( XXXX XXXX XXXX ) violated the Federal Validation Notice [ 15 U.S. Code 1692 ] and Fair Credit Reporting Act [ 15 U.S.C. 1681 ]. 

Beginning XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. 

No debt collection company should operate above the law. Therefore I have submitted this complaint for investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
{ Credit Bureau : XXXX, Transunion } { Credit Bureau : Address { XX/XX/2018 } RE :  Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made. 

I contacted [ XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ [ XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX CA 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 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Dear Sir or Madam : The servicer for our mortgage, Ocwen Loan Servicing, LLC raised our mortgage payment {$230.00} a month beginning XX/XX/XXXX. I called Ocwen at the beginning of the month and asked why. The representative said our property taxes went up ; however, our property taxes have not increased {$230.00} a month. 

We have owned our home in XXXX XXXX county since XX/XX/XXXX. We paid {$680000.00} for the home. Our annual taxes are {$9900.00} and Ocwen has increased our escrow fees from {$790.00} to {$1000.00}, which does not add up. Paying {$1000.00} a month for property taxes equals {$12000.00} for property taxes for the year. 

According to the escrow papers sent to us by Ocwen, we have a projected cushion of {$1500.00}, yet Ocwen wants us to pay {$2900.00} or {$230.00} a month this year to our escrow account. 

We need a clear explanation for these charges. When I call Ocwen, the representatives can not explain this increase so it makes sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On my PayPal app I received an alert that I have sent XXXX, XXXX XXXX, {$22.00} GBP which is {$30.00} USD. I never authorized that money and i dont even know who that is. This happened on XX/XX/XXXX at XXXX XXXX EST. I have filed a dispute but they will not follow up with me instantly and this XXXX XXXX person is supposed to fully receive the money on XX/XX/XXXX. I think I may have gotten my account scammed. I already changed my password. Please help me get my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Company
State: TX

Complaint narrative:
I paid XXXX the owed amount of {$55.00} on XX/XX/XXXX via my bank. 
XXXX will not recognize my payment. Twice I provided XXXX a copy of the cancelled, endorsed check as proof of my payment. I also spoke with a XXXX representative who informed me that my case had been " elevated '' for review. I requested XXXX to stop sending me dunning notices. The representative told me that it was not possible for XXXX to stop sending the dunning notices and I should just ignore any future notices as my matter was in review. Even so, my case was turned over by XXXX to a collection agency, CMC. I spoke with a representative of CMC and explained that I paid the amount on XX/XX/XXXX. She said that I needed to mail XXXX a copy of the check. She was unable to verify my payment. I mailed a copy of the check on XX/XX/XXXX to demonstrate proof of payment.

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 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: FL

Complaint narrative:
An incident that occurred before I even could receive my license when I was XXXX that was expunged when I turned XXXX keeps re appearing saying I dont have a license when I clearly had to get a license for it to be suspended!!! None of it is true information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I am unaware of this high loan on my credit report. I have asked Navient to submit this loan with original signature several times but they have failed to do so. I am getting getting 60 days late on my credit report and I am not late at all. I don't know why I have been making payments all these years on a loan where no one have the original documents. Please submit original documents on this loan with both signatures of me and co signer or close out this loan. The interesting rate on this loan is as high as 6 % and it's extremely high for a student loan. I gave no income and I am going through an medical emergency. The last thing I need is Navient damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I had lived in XXXX XXXX XXXX, an apartment complex named " XXXX XXXX '' for XX/XX/XXXXyear starting XX/XX/XXXX to XX/XX/XXXX. 

I had signed the lease with my dad 's name, since I was a XX/XX/XXXXt. We had never missed a payment and was on the verge of leaving to another establishment in XX/XX/XXXX. When we told the apartment management that we are moving, they notified us that we had not given ouXX/XX/XXXX notice. 
So the lady notified that it was fine. However, on our departure, we were mailed a letter. Stating that our security deposit had been forfeited and there was another extra month of rent being charged. There was no reason stating why we were being charged for an extra month of rent. But the cost was not even our rent. It was {$920.00}, which was about {$130.00} cheaper than our normal rent of {$1000.00}. I assumed it was due to theXX/XX/XXXX notice. As a result, I decided to look back at our lease. The lease stated that " release of the security deposit is subject to following provision '', and under it was failure to notify of leave within XX/XX/XXXX. So I again assumed that we were being charged for something that was not on our lease. 

After moving out, I went back to the old apartment complex and decided to see what was happening. This was before theXX/XX/XXXX that the apartment complex had given us to dispute it. I went in, and one of the worker stated that their manager was not here and told me to leave a phone number. I did, but there was no call received. So then the collection was sent to a collecting agency. Of which who we called. The man decided to say that " they can do whatever they want '' and " it does not have to say in the lease ''. The man at this firm stated that I was attacking them, when I was solely stating the fact that " hey the lease says only the security deposit will be forfeited ''. The guy stated over the phone " Your credit will be destroyed, and you'll have to live with bad credit '' and repeated such statement in similar manner multiple times before hanging up the phone. We kept getting collection mails from the company. 

So after the first letter, a dispute letter was sent to the collection agency WITHIN XX/XX/XXXX, but nothing was done about it. It explained the situation as a whole and what we wanted to do about it. I have the receipt of the XXXX document that I have sent to the collection agency of the dispute letter, XX/XX/XXXX letters to be exact. One in the name of my father and one in my name. The letter explained the situation and stated that we were in no fault of the collection. 

Now the collection agency has placed the debt on our credit records as adverse credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: MI

Complaint narrative:
I have attempted to contact NCC Buisness Services about a debt that is on my credit report. I requested a financial transcript in XX/XX/2016 via email through a representative of NCC. I was given an email address below as a contact. 
( XXXX ) I emailed this address for the transaction transcript to review charges, and I received a message that the email address was not valid. I have attempted for two years to have this debt removed. This debt is almost 5000 and it has caused a great deal of hardship, because I have not been able to get proper housing, due to this outstanding balance. I explained that I went to court and the judgement amount want around 1500.00. I have sent a copy of the judgement to the bureau, and I have disputed the debt. This is still unresolved and still preventing me from acquiring housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: IL

Complaint narrative:
I have attempted numerous times to get XXXX XXXX XXXX to remove the erroneous and illegal account ( ending XXXX ) from my credit file. I have asked for verification, I have shared with them that I was a victim of Identity Theft, I have requested to see the original instrument of indebtness in its original form, this account has been VERIFIED every time that I have disputed this file. 
The FCRA states the bureaus must verify all information that they get from banks, credit card companies, etc before it's put into my credit report. In the letter written to me from XXXX XXXX XXXX on XX/XX/2018 they CLEARLY state that they DO NOT have a signed contract with my signature affixed. This account can't be VERIFIED and I am requesting that it is REMOVED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I am a co-signer on my sisters student loan. It was originally a XXXX loan that was sold to Sallie Mae. I also have loans with Sallie Mae from when I went to college. When I went to my account it shows my sisters loan incorporated into mine, as if I am the payee. I AM JUST THE CO-SIGNER. It actually wont allow me to pay my loans by themselves without selecting custom payment. They also changed my due date on my loans to incorporate hers. However, it was so frustrating after talking to two separate people that I paid the loan off entirely. It shows a XXXX balance, but is still on my account. If Im correct this is illegal. If the debt is paid, I am released as a co-signer and should no longer see the account. I should have never seen it in my loans in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: IL

Complaint narrative:
I have attempted numerous times to get XXXX XXXX XXXX to remove the erroneous and illegal account ( ending XXXX ) from my credit file. I have asked for verification, I have shared with them that I was a victim of Identity Theft, I have requested to see the original instrument of indebtness in its original form, this account has been VERIFIED every time that I have disputed this file. 
The FCRA states the bureaus must verify all information that they get from banks, credit card companies, etc before it's put into my credit report. In the letter written to me from XXXX XXXX XXXX on XX/XX/2018 they CLEARLY state that they DO NOT have a signed contract with my signature affixed. This account can't be VERIFIED and I am requesting that it is REMOVED IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I applied for two separate credit products ( XXXX XXXX and XXXX ). Both were denied due to " not being able to access Equifax credit report/no data returned ). 

This is the fifth time I have experienced this issue. Equifax has eventually resolved it in the past, but it has happened yet again. I have no security or fraud freezes on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Was harassed by XXXX. Also let Navient know that I've checked the website and the amount owed was not there or amount paid in was not there either. Let them know that I was head of household so the garnishment was not suppose to be put into effect as of Florida state law. At one time had the money to pay off loan was told I could not.

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 2018-05-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
Not sure if I am contacting the correct place. 

Several years ago we had to file for bankruptcy. Almost 7 years ago and it still plagues me with my credit as a result. Why was my bankruptcy special? Because of medical issues - XXXX XXXX and XXXX. Then another XXXX XXXX followed by a XXXX XXXX. Since our bill could never been paid in my life we filed bankruptcy. There was NOT ONE of the bills was due to our money management and no creditors other than medical was reported. All our bills were current so nothing to write off except medical. The records will bear this out. Just applied to XXXX for a credit card and my bankruptcy was a declining factor. 

Then there is XXXX or a collection agency - like XXXX? For over a year I had paid them monthly and then I received a collection notice. Why? My records showed up as paid in full. After months of complaining that their records were incorrect and to stop having the collection agency disturb us. It was not resolved until my wife took my records and confronted them wanting to know where these payments went? The end of the story is that their bookeeping had been applying my payments to someone else account. Now I was upset because we wanted to buy a home and their reporting prevented it. XXXX XXXX sent me a letter of apology and told the collection company to quit reporting, that it was a mistake. For some unknown reason they have been reporting this for years incorrectly. 

Both of these are not reflecting properly and the reporting credit agency needs to fix XXXX mistake. Seems I heard that when a debt is turned over to a collection agency wrongfully they are required to fix it. 

Why am I complaining about this now? My credit should not have any issues when this is fixed and at XXXX years old I want to see my credit score adjusted properly before I am gone. 

XXXX XXXX

Company response to consumer: Closed with explanation