vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
The debt is not validated.   I have attached the summons as well as the collection letter from  XXXX  and  XXXX , a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery services is still reporting and attempting to collect on a debt that was covered under insurance. I have been in the military serving our country for more than 15 years. We have amazing insurance with no deductible or co-payment. XXXX has advised us multiple times that they have taken care of this and it should have never been sent to collections.
Also this debt is from 2010 and we have never made a payment. It is past the statute of limitations in the state of Utah. This debt is not valid and we do not owe it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I closed the account but capital one had told XXXX is that the account was closed by creditor. However, all the other credit bureaus show accurate information that I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: TN

Complaint narrative:
While checking my personal credit report with all  XXXX  credit bureaus in  XXXX   XXXX , I noticed several inquiries made by numerous of organizations on  XXXX / XXXX / XXXX . I have reached out to the organizations and no one was willing to help due to the age of the inquires. I have even went as far as mailing certified letters to the credit bureaus requesting for the unauthorized inquires to be removed  XXXX . Only to get back a generic response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: FC HoldCo LLC
State: GA

Complaint narrative:
On XXXX/XXXX/2017 Flagship Credit Acceptance made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.

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 2017-06-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BEXIL AMERICAN MORTGAGE INC.
State: MN

Complaint narrative:
While I was XXXX, I had contacted a new Home Insurance provider due to better coverage at a lower rate. I had contacted the Company in question ( the loan servicing company ) XXXX ( Castle mortgage ) to see if I could pay the escrow covering my insurance so that they could issue a payment to the new insurance company. They explained to me that they had in internal process to re-issue a insurance payment, I asked them if I paid the amount directly into escrow if that would avoid the issue. They said that it should n't be a problem. I paid {$2000.00} on XXXX XXXX via their online system directly to the escrow Meanwhile, with my new insurance provider, they had not received the payment, and could not get in touch with me. They cancelled the policy in XXXX XXXX. The loan company then in XXXX XXXX sent the new check to the insurance company, who then immediately issued me a refund since they had already cancelled the policy. I opened the check, which was signed XXXX XXXX, late last week ( Friday XXXX XXXX ) to which I called the insurance company and head they had already cancelled the policy, prior to the Mortgage company not remitting payment in time. I had to get a NEW policy, covering a 64 day gap, which will cost me roughly an additional $ XXXX XXXXearly, and am worried the mortgage company will not remit payment in time from the escrow again.
***Additionally, I have been receiving loan services from this company, and believe that they are grossly overcharging me in escrow payments. I refinanced a couple of years ago to go from a rate of 5 % to 3.25 %, my payements according to the good faith esimate ( from XXXX XXXX ) said my new payments would be around {$1100.00} per month. Once the servicor ( who this complaint is about ) took over, they said that there was a " miscalculation '' in the escrow and now my payments have been over {$1500.00}, which is more than at the old interest rate.
Something does n't add up, and I did a minor calculation on what the escrow should be and came in much lower ( $ 449 monthly ) than the {$640.00} escrow payment they say I should be paying.
I believe my escrow has/is being grossly mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2016 I became aware of delinquencies on my account by BMW Financial Services because of an entry onto my credit report. I contacted the creditor and asked why I was not notified. I had continually checked on account and it would show all payment were being made and was current. I was told that there was an error on the account number, my name was incorrectly printed on contract and the payments were not being processed. I promptly made all payments current with with assurance from the Financial manager that any negative information sent to credit reporting agencies would be removed. Now the company refuses to honor the agreement and have damaged my credit severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: TCF NATIONAL BANK
State: GA

Complaint narrative:
On XXXX/XXXX/2017 Gateway One Lending made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19 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: Nicholas Financial Inc.
State: TX

Complaint narrative:
I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
While checking my personal credit report with all  XXXX  credit bureaus in  XXXX   XXXX , I noticed several inquiries made by numerous of organizations on  XXXX / XXXX / XXXX . I have reached out to the organizations and no one was willing to help due to the age of the inquires. I have even went as far as mailing certified letters to the credit bureaus requesting for the unauthorized inquires to be removed  XXXX . Only to get back a generic response from 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 2017-06-19 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: AZ

Complaint narrative:
In XXXX 2016 I realized that a paypal account had been opened in my name with the information of my bank account. I contacted pay pal and they advised me to contact my bank which I did. XXXX  deposited the amount of XXXX plus all transfer fees and overdrawn monies. About a month later I saw that they had reversed the deposit which again began charging me overdrawn and transfer fees. I contacted Pay Pal on XX/XX/XXXX because they had advised me that they would be sending me a check back in XX/XX/XXXX and I went online to check. It showed a XXXX balance. I asked the supervisor I talked with XXXX ID # XXXX what was going on and he advised me that the funds had been transfer out to someone else and was actually refunded to a XXXX XXXX of XXXX, AZ in two payment of {$360.00} and {$300.00} on the XX/XX/XXXX. I advised them that I did not know this person and that the money was mine, in my name with my information. After much waiting on line and talking to several people I was informed that the account was not mine and that they could do nothing. I then contacted XXXX again and was told that the reason they denied the claim was mainly because Paypal stated that the account was in fact not mine. The money came out of my account and I can give you my bank statement showing that it was from my bank account. To me the fraud was started by someone using my information to open the account and that Pay Pal did not actually verify that it was me. Also how can they send it to someone else after they told me that they could NOT send it back to me. The first pay pal deduction from my bank account was XX/XX/16 for {$4100.00}. I want to know how my money was taken out of a limited account which denied me access and then sent to someone else and why the bank refuses to honor their policy of refunding fraudulent monies to me when I can show them where it was taken out and by whom. I fill that both Paypal and XXXX are at fault in this case and wish it resolved ASAP. There should be some type of recourse that I can do to get my money back. I am a senior citizen on a fixed income and this is a great deal of money to me. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
A company called IC System has just reported that I owe them {$980.00} on my credit with account number " XXXX ''. I responded to a notice I received from them on XXXX XXXX asking for an explanation for what this money was for but I have not received a response. I am attaching a copy of the letter I mailed to IC System. I requested more information on XXXX/XXXX/2017 and instead of responding, they chose to report this debt on my credit! This company has not provided me an explanation as to why they are charging me this money. This is not the only problem. Another company called " XXXX XXXX '' is also reporting this same account on my credit report! They have a different account number of " XXXX '' but the money they are asking for is {$980.00}. Is n't it illegal for two collection companies to try and collect on the same debt at the same time? I do n't know what this debt is for!

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 2017-06-19 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
On XXXX/XXXX/2017 Americredit Financial made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on XXXX2017and are proceeding to sale set for XXXX/XXXX/17 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

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 2017-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capitol one auto finance XXXX Cap one auto finance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
This is a work number. They keep calling the reception desk and asking for me at work. Please make them stop!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I checked and my credit and saw an unknown account i immediately sent them a registered letter requesting a copy of a contract or my signature. Took 63 days for them to respond and the only information i received was my name, my last 4 ssn and an amount, i called the number they provided and ask them to provide proof this was my account. They said they do not have a contract with me and when i said then i want this removed from my credit bureau immediately due to the FCRA .They at this point got really angry and began to yell. They will not provide me or the bureaus with anything other than this one page. Please help me! the company is Portfolio recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo sent me a pre-approved business credit line offer XXXX XXXX, 2017 I was denied because I already have a " similar '' product with the bank. This was only after they ran a credit check and dinged my credit. I told them this was not disclosed during the application period nor the full disclosure. My complaint is this could have been avoided if WFC knew what the left and right hand was doing. " See too big to fail '' In addition, the bank nor my personal business banker communicated the denied credit line via phone, email, letter etc ... I had to call them XXXX XXXX 2017 I have asked them to remove the credit inquiry and apply the favorable terms to my current " similar '' product as of XXXX XXXX. They agreed to removing the inquiry and are pushing the terms to the underwriters.

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 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
This account has been removed twice from my credit report and the company calls all times of day, after I tell them it was supposed to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Upon being denied for an apartment from my XXXX report, I Contacted XXXX immediately that to let them know I DID NOT authorize and had no knowledge of this apartment! I contacted the collection agency and XXXX and have been given no relief. I also placed a fraud alert on my credit reports. Per my investigation this company did not receive any authorization or identification from ME to lease an apartment to anyone for any reason. NATCRSYS {$1000.00} XXXX2014 NATCRSYS {$1200.00} XXXX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
sent letter never received what i asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I invest in rental properties in addition to working a full-time job. I own several of the properties, but have mortgages on some. My mortgage and/or mortgage loan servicing rights were acquired by Loancare on  XXXX/XXXX/17. I was unaware that Loancare was servicing my mortgage until I noticed that my mortgage payment was not being deducted from my bank account. Loancare sent the paperwork to an old address or the rental property itself and made no further attempts it seems to contact me. My phone number has not changed since I acquired my first cell phone over ten years ago and before I ever had any mortgage. Rather than contacting me Loancare directed their efforts to sending someone to the rental property and confirming that it was still there. Oh, and assessed me a fee for doing so. I immediately made my mortgage current after learning that there was a payment due and two payments past due. I incurred late fees and my credit was negatively affected before I uncovered Loancare 's negligence. I attempted to have the negative marks on my credit removed by Loancare to no avail. I was given the e-mail address to customer support who has yet to even respond other than the automated response I received confirming customer support 's receipt of my e-mail.

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 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Spoke with lady at XXXX XXXX she notified me that I moved in in XXXX with the last payment being payed in XXXX from her own words and I only had an 11 month lease I turned my key in to the lady as well with the check out sheet my lease was up. They tried to do the same to my grandfather saying he owed over 2,000 so he went up to XXXX XXXX and they told him that they have had fradulaent activity in house and hired all new employees so they told him they would take care of it but at the end of the day I futilely my obligation and left it in good standing and always payed my bills and never got an eviction letter never got notified of anything being wrong at all so if you could resolve this for me I 'd greatly appreciate it! Thanks again XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hello, my card number is XXXX. I have XXXX + dollars worth of credit that I can not use currently. Your investigation is taking too long for my fraud claim and I still have not heard any result of it. Did you find out how it happened, what happened? Please call me at XXXX and if you can not find out what happened then please close the case as it is just causing pending case investigation on my account for prolonged period of time. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation