vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ),  XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX   and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved 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 2018-08-06 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: IL

Complaint narrative:
I called Transunion to help me remove inquiries that I did not authorize they told me I had to get letter of deletion from the company that ran my credit which I dont know who and why if I say it was an unauthorized inquiry they should take action.. XXXX XXXX XXXX XXXX those are the three companies I asked Transunion to dispute because I know nothing about them

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 2018-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
US BANK CHARGED THEIR MONTHLY MAINTENANCE FEE TO MY ACCOUNT PUTTING IT IN THE NEGATIVE. THEY THEN CHARGED ME XXXX BECAUSE THEIR MONTHLY MAINTENANCE FEE PUT ME IN THE NEGATIVE. I CALLED THEM TO SPEAK TO THEM ABOUT IT. I TOLD THEM THAT IT WAS UNETHICAL IN MY OPINION TO CHARGE A CONSUMER FEES ON FEES THEY CHARGE. THEY REFUSED TO WORK WITH ME OR REFUND ME THE MONEY. I ADVISED THEM THAT I WAS GOING TO FILE A COMPLAINT WITH THE CFPB.

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 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC.
State: IL

Complaint narrative:
On XX/XX/XXXX I saw my XXXX report. There was a collection item furnished by ABR Recovery Services. I had received neither phone calls nor written notice of this debt owed to XXXX. I have never had any business with XXXX. This is not my debt. I called ABR recovery services to inform them that this wasnt my account and they proceeded to give a account number, XXXX which they obtained from XXXX, the original creditor. I reached out to XXXX and they assured me that this wasn't my account and I have ties to this account. I attached a letter from XXXX stated that I am not affiliated with this account in no fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I received a letter purportedly from XXXX XXXX dated XX/XX/2018 informing me of denial of my credit application for a XXXX Preferred Floor Covering account, as my XXXX credit file was inaccessible. ( It is frozen. ) I have never applied for credit with XXXX XXXX or through XXXX XXXX XXXX. 

I called the number in the letter XXXX and was asked for my social security number to proceed, so I hung up. 

The is no record of this attempted credit application on my XXXX   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 2018-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patient Accounting Service Center
State: PA

Complaint narrative:
I received a letter on XX/XX/XXXX attempting to collect on a debt from XXXX. That same day, I went to the company 's website, specifically their 'contact us ' form and used the email : XXXX to explain that the debt was not valid and to stop contacting me, etc. However, their email address was no good and the email bounced so I used the 'contact us ' form on the same page to re-send my statement. Today, XX/XX/XXXX, I have received a further letter from XXXX saying that they have not received a written request asking to validate the debt and as such, they may now presume the debt is owed and undisputed. This clearly is not the case as I have now sent a further email, which again bounced, and another email using their online form. I attach below the emails sent as well as the email failure notification. Sorry, we were unable to deliver your message to the following address. 

<XXXX> : XXXX : XXXX [ XXXX ] : Recipient address rejected : Access denied [ XXXX ] -- - Below this line is a copy of the message. 

This debt is not valid. See the message below from XX/XX/XXXX. I  requested to cease communication with Arstrat and have received a letter today, XX/XX/XXXX, saying that I did not send a written request asking us to validate the debt. I already advised that the debt was invalid on XX/XX/XXXX. 
-- -- - Forwarded Message -- -- - From : XXXX XXXX <XXXX>To : " XXXX '' <XXXX>Sent : Saturday, XX/XX/XXXX, XXXX XXXX   EDTSubject : Debt Validity Dispute WID : XXXX I have received a letter in the mail today, XX/XX/XXXX insisting that I owe XXXX XXXX {$91.00} under account number XXXX with a service date of XX/XX/XXXX. I am disputing the validity of this debt totally. It is invalid as I provided my insurance information to XXXX XXXX at the time of service. I was required to have some XXXX work done by my doctor during my XXXX XXXX. I suggest XXXX XXXX request payment from XXXX XXXX XXXX, my insurance company. My ID with them is XXXX. Their phone number is XXXX. I have already provided XXXX with this information on two separate occasions with no communication following except for this letter now received from XXXX. I now request to cease communication with XXXX as is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: Kriya Capital, LLC
State: FL

Complaint narrative:
All of the reporting from this organization/ creditor to any credit bureau has been unauthorized & without my consent. On my XXXX credit report it shows a creditor by the name of CREDENCE RESOURCE MANA reporting the following : Account # XXXX Date Opened : XX/XX/2017 Account Status : Closed Payment Status : Charge-off Status uploaded : Balance : {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX  XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved 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 2018-08-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX  XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: ERC
State: FL

Complaint narrative:
All of the reporting from this organization/ creditor to any credit bureau has been unauthorized & without my consent. On my XXXX  credit report it shows a creditor by the name of XXXX XXXX XXXX XXXX reporting the following : Account # XXXX Date Opened : XX/XX/2017 Account Status : Balance : {$250.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I saw my XXXX report. There was a collection item furnished by XXXX XXXX XXXX. I had received neither phone calls nor written notice of this debt owed to HSBC. I have never had any business with HSBC. This is not my debt. I called XXXX XXXX services to inform them that this wasnt my account and they proceeded to give a account number, XXXX which they obtained from HSBC, the original creditor. I reached out to HSBC and they assured me that this wasn't my account and I have ties to this account. I attached a letter from HSBC stated that I am not affiliated with this account in no fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: Ocwen Financial Corporation
State: IL

Complaint narrative:
In XX/XX/XXXX, Ocwen Loan Servicing provided me with a Lien Release and a XXXX for the Discharge of Debt on my 2nd mortgage. 
Prior to XX/XX/XXXX, I paid the full reinstatement amounts required by Ocwen, however, the payments were not recorded accurately or timely on my loan which resulted in additional reoccurring late charges on my account. 
Some of my dates/amounts of wire transfers to Ocwen are XX/XX/XXXX for {$1300.00} and XX/XX/XXXX for {$460.00} and {$430.00}. The dates and notices of short sale and foreclosure were also not in compliance with regulations. 
Ocwen attempted to rectify the errors by providing me with a Lien Release due to their litany of violations. However, they are still reporting my loan as a Charge-off, with excessive late payments. This Charge-off or Short Sale is preventing me from closing on a mortgage now. The entire Ocwen account needs to be removed from my credit report due to their own errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: IL

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX provided me with a Lien Release and a XXXX for the Discharge of Debt on my 2nd mortgage. 
Prior to XX/XX/XXXX, I paid the full reinstatement amounts required by XXXX, however, the payments were not recorded accurately or timely on my loan which resulted in additional reoccurring late charges on my account. 
Some of my dates/amounts of wire transfers to XXXX are XX/XX/XXXX for {$1300.00} and XX/XX/XXXX for {$460.00} and {$430.00}. The dates and notices of short sale and foreclosure were also not in compliance with regulations. 
XXXX attempted to rectify the errors by providing me with a Lien Release due to their litany of violations. However, they are still reporting my loan as a Charge-off, with excessive late payments. This Charge-off or Short Sale is preventing me from closing on a mortgage now. The entire XXXX account needs to be removed from my credit report due to their own errors.

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 2018-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp
State: MN

Complaint narrative:
I opened up a personal loan from Lending CLUB in XX/XX/XXXX. I paid on time on this loan for 1 year and 6 months. I paid {$4000.00} dollars on it in XX/XX/XXXX. I also made what I thought was my last payment on XX/XX/XXXX for {$300.00}. I made a mistake and thought the payments were done, and the balance was XXXX. I stand corrected, HOWEVER II was not notified from Lending club by phone or email that I was late on a pyament and still had a balance. They told me I did not want them to email me. I did not know that the remaining amount was left and ended up missing a payment. I found out when I checked my credit and it had gone down 48 pts. I got this loan to increase my score and make reliable payments as I did. I would never have made all payments in a timley manner and big sum of {$4000.00} dollars to turn around and totally MESS UP credit score that i have worked so hard to get " good ''. by missing a payment I did not tell them not to let me know I owed them money. If Lending Club would have contacted me I would have for sure made the payment right away. I am now unable to purchae a home. I akded them to work with me and told them I would pay it in FULLin one day if they could please remove this late payment off my credit. They did not let me know I was late and are not willing to work with me. I really would like some help on this matter. PLEASE PLEASE hold LENDING CLUB resposoble fro telling a aonsumer they know they owe the money so a innocent mistake causes them their lively hood

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I recently have had to relocate due to a fire at my home. While looking for a new place to live I was continually being denied for a home, and opening a new bank account. I was informed to call Early Warning Services for the  reason for my denial issues. When I spoke with Early Warning they said their were 3 accounts ( 2 with negative remarks, 1 with a balance ) that XXXX had reported sometime back in XX/XX/2013. I immediately contacted XXXX to dispute the information. The account that had the balance ( {$500.00} ) was already flagged in their systems as fraud, but since I didn't " take care of it '' in the time they alloyed then I would have to be responsible for paying the balance even though it was not made by me. I was a victim of identity theft at that time as well as other accounts not with XXXX and have documentation of the person who confessed to the crime, but was still told I just needed to pay and it was my fault I didn't check in periodically with XXXX for fraudulent activity on a account I didn't even know about. XXXX further informs me that even if I pay there's no guarantee that the negative remarks will be removed from Early Warning. I then disputed the information with Early Warning only to be told the information was correct, even the other 2 accounts that had no balance since I went into overdraft 3 or 4 times but then paid the balance and closed the accounts Im no longer worthy to be trusted by banks or have a home!? I am a single mother of XXXX young children and XXXX, currently not able to get a home for me and my children apparently having to wait 5-7 years to get off information that's inccorect and I was not informed of through phone, mail, or e-mail. I'm requesting the negative remarks or account be removed from Early Warning for not notifying me violating their notice clause of FACTA section 623 ( A ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
Office visit dated XX/XX/2017 billed XXXX $ was sent to the wrong health insurance. I called them to provide the correct insurance card and they got paid XX/XX/2017. 

XXXX Hospital Billing still reported me to the Collections. 

I called the Collection ( s ) Agency twice to correct the discrepancy but was asked to pay first. 

I refused as I have proof of payment. 

I called the XXXX Billing again and reported the discrepancy few weeks ago. 

I found out that they have not corrected the discrepancy, and because of this, I am getting higher interest rate for home refinancing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: U.S. BANCORP
State: PA

Complaint narrative:
US Bank is reporting a paid past due account incorrectly. They are reporting that the account was closed at my request. This is incorrect. US Bank closed the account. They can't provide proof of their claim, so this item needs to be corrected or removed from 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 2018-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I obtained a loan for {$1200.00} from XXXX XXXX XXXX. Part of the agreement of that loan was that I could pay off the loan in full at any time. I sent them a check for {$1200.00} on XXXX with the terms written on the check that the account would be paid in full.. They agreed to those terms when they deposited that check on XXXX. They are now claiming that they never received my payment and are reporting to the credit bureau 's that a balance of {$1800.00} is still owed and has been charged off. I sent XXXX XXXX a letter dated XX/XX/2018 and enclosed a copy of the check they endorsed and deposited. I than initiated a dispute with trans union. XXXX XXXX are still claiming that they never received the funds even though I have proof of payment through my bank.

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 2018-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I leased a XXXX XXXX for 36 months. I had no issues with the car until it came time to return the car. On XX/XX/2018 I returned the car to BMW. I knew I would have to pay for the key I lost and probably the disposition fee.I was waiting and waiting for the final bill, it never came. Sometime in XXXX I went online, and to my surprise there was an addition charge of {$600.00} for a windshield crack ( because BMW says the windshield has to be replaced not repaired ). I contacted the sales person who leased the car to me, he told me he would look into it for me, that was XX/XX/2018. I DIDN'T HEAR anything from BMW or the sales person after that. Sometime in the first week of XX/XX/2018, I received a call from XXXX XXXX XXXX XXXX, they stated I had an outstanding balance of over {$1000.00}. I was confused and annoyed because I never received any phone call or letter from the sales person or a BMW representative about the bill being final or reduced. Now I have XXXX XXXX calling me and telling me they will not except a small payment. I can only pay half of the bill at a time or the whole bill. I do not feel like I am being treated as a valued customer because the bill was sent to collection before 90 days, I wasn't contacted, and they won't even take a small payment.

Company response to consumer: Closed with explanation