vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NC

Complaint narrative:
The Money Source aka TMS, paid my taxes for XX/XX/XXXXafter they were already paid in closing. TMS was refunded in the beginning of XX/XX/XXXXfor those XX/XX/XXXXtaxes and then paid my taxes in XX/XX/XXXX and filed incorrect XXXX  's for XX/XX/XXXX and XX/XX/XXXX. When brought to their attention and asked for them to file corrected ones for XX/XX/XXXXand XX/XX/XXXX, TMS customer care said no go see a tax advisor. 
I then emailed and in writing de-authorized them to service the escrow account and demanded it closed. They said no they wont close it that it is a VA loan and it is mandatory. I explained to them that the VA does not required or have mandatory escrow accounts for their loans. I explained that I did not apply to TMS or refi with TMS that they assumed my loan and must accept all terms and conditions. I explained that on page 4 of the loan disclosure that escrow was not mandatory for the loan and that I voluntarily accepted it and that it does sate that I may cancel with out stipulations. They told me again no they will not cancel my escrow accounts that I can refi with them or to make escrow payments or they would file against my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This account is reporting in error. It says on my credit report that the account was opened in XX/XX/2017. I have not been to any hospitals or doctors in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: IN

Complaint narrative:
PROCOLLECT , INC XXXX XXXX XXXX XXXX XX/XX/XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I have paid this. and they still have this on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: AL

Complaint narrative:
Creditor : XXXX XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Creditor : Chase Bank USA Na Credit Bureau : XXXX  XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( Chase Bank XX/XX/XXXX ) I contacted Chase Bank Usa on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for Chase Bank Usa or XXXX who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX my payment of {$550.00} was returned for NSF. It so happened that money was taken out by mistake from the State of California. Thus causing me to bounce my check. I have had this lease for 3 years and I have never been late. My credit score went down because of this action and it will affect my ability to buy my car at the end of the lease. Which is due on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
XXXX merged with XXXX in XX/XX/2017, and now I cant log on to pay my student loans or even contact them. I tried logging in to pay, and it kept saying the action was unavailable at the time. When I tried contacting them via the Contact Us form, it requested my SSN and then said I did not have an account with them. When I tried to register again, it said I have an account! I have been unable to speak with a representative to resolve this matter. I have been dealing with this issue for over a year and haven't had any luck. Also, I have moved since then, so my address has changed so I haven't been receiving any statements. ( I can not change my address because I can not log on to my account or contact a representative. ) Im at a loss of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Date : XX/XX/2017 Transaction Amount : {$95.00} Dispute Amount : {$95.00} Transaction ID : XXXX Dispute Case ID : XXXX {$95.00} was supposed to have been credited to my PayPal account because the merchandise stop working within 60 days and probably was not a brand new item. According to PayPal policy ten ( 10 ) days were given and the seller has not responded. In fact seller sent email requesting that I do not ever contact him again and that he would not contact PayPal either.

Thus, today the refund of {$95.00} should be placed back on my PayPal Credit account.

PayPal has a tendency to fail to refund consumers money and make the consumers wait much longer than originally told. 

Many products sold on XXXXPayPal or fakes and do not live up to expectation. 

This company needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Creditor : XXXX XXXX Credit Bureau : XXXX   XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX  on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or XXXX   who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: NJ

Complaint narrative:
Recived a bill for over {$3000.00} in Excess Wear and Tear Totaly not true Added a blacked out packet to my lease XXXX with orginal XXXX Parts Recived a condition report with Numerous replacements required that didnt need replacing Inspector from XXXX XXXX added charges for item not missing Listing of my care with after market wheels not true at time of turn in my car had its orginal XXXX Wheels Also being charge for body damage already was repaired befor Turning in XXXX I feel its XXXX way of off setting there cost when car is sent to auction In other words XXXX will do nothing to the car like mine sell it on there web site And charge leasse like mysef a inflated Unfair Costs Total Abusive Business Practices To make matters Worse Inreleassed a brand new XX/XX/2018 XXXX XXXX If I known about audis unfair charges I would never ever lease another XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-08 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: AL

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX  XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX  XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT. WERE DISPUTED WITH EQUIFAX MORE THAN 2 MONTHS THEY STILL NOT REMOVE FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Original creditor : XXXX XXXX XXXX : XXXX XXXX I had a XXXX account in XX/XX/XXXXwith a credit limit of {$200.00}. The account was used to buy one item, then paid in full and closed by XXXX ( due to extended inactivity ). There is no balance or debt owed whatsoever. 

In XX/XX/XXXX, I ran my credit and found out that XXXX has reported my account as paid and closed. This is all reported correctly on my credit report. 

At the same time ( XX/XX/XXXX ) I also found that XXXX has reported the same account as owing {$580.00}. My original credit limit was only {$200.00} and already reported as paid in full and closed. I, in NO way owe XXXX ANY money, let alone a random amount of {$580.00}. 

I called XXXX 3 times ( XX/XX/XXXX ) and was told every time I called that they will not provide anything to me regarding the collection debt, where it came from, what it is for etc. The also verified that the account I did have is paid in full and closed. They said I had to contact the collection agency ( XXXX XXXX ) to obtain proof of debt. I have called XXXX XXXX, at the same time I contacted XXXX ( XXXX XXXX XXXX XXXX ) and was told that they will not provide anything in writing to me regarding proof of debt. They did however say if I paid the debt in full, or settled the debt with them, they would send a letter saying the debt was satisfied. 

I can not get any assistance in this matter. Neither company will send me proof of any debt they reported I owe, nor will they acknowledge the fact that the same account is claimed twice on my credit report ( One reported as paid/closed and the other is closed/owe {$580.00} ). I want this taken off my report and/or proof of debt sent to me detailing what/where/how this balance is {$580.00}. I also need full account numbers as I have proof of paid in full account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Received call on XX/XX/XXXX re a direct deposit account they said I opened in XX/XX/XXXX. I did not receive direct deposit at that time. I was told my account had gone into default and they were taking me to court to collect over {$1200.00}, the original amount being around {$500.00}, and I would also be responsible for attorney fees and court costs. I was told that because it was a direct deposit account items had been paid against that account. However, I had no automatic bills to be paid at that time as I had lost my direct deposit job in XX/XX/XXXX due to the economic downturn. I have never received any notice of this debt in the past. I am astounded that I am getting a call threatening to take me to court unless I pay the money owed immediately without having received any prior notice. They said they are willing to work with XXXX XXXX to reduce the amount, but it must be paid in full immediately. I was also told that I would receive a 10 year judgement. My daughter was with me during the call and looked up the phone number they called from as well as the name of the company. She yelled into the phone that this was a scam and she was reporting them to the CFPB. The person on the other end immediately disconnected the call.

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 2018-03-08 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: AL

Complaint narrative:
Creditor : XXXX XXXX  Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT / TOO MANY ADDRESS AND INQUIRIES NOT AUTHORIZED BY 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 2018-03-08 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL

Complaint narrative:
Creditor : Onemain Credit Bureau : XXXX XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX   on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted Onemain on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for Onemain or XXXX  who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: AL

Complaint narrative:
Creditor : XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/2017, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation