vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
Began full-time employment with an PSLF-eligible employer in XX/XX/XXXX. Applied for and was accepted for PSLF in XX/XX/XXXX. My two direct federal loans were transferred from XXXX to FedLoan servicing in XX/XX/XXXX. FedLoan is stating that my payments made from XXXX were all outside the payment window ( they were not ) and that all my payments from XXXX were not received in the payment window ( they were ). This is a total of 33 eligible, on time payments that are are not being considered qualifying for PSLF. I have documentation of these payments from Navient and submitted ECF forms for all these dates. 

I called FedLoan Servicing and requested a manual recount on XX/XX/XXXX, and no changes to my qualifying payments has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XXXX XX/XX/2021 XXXX XXXX XXXX XXXX ran my credit report without written or verbal authorization which resulted in numerous hard pulls on all three different credit reporting bureaus with 5 hard pulls alone on TransUnion and one that I am aware of at this time on XXXX. Two on XXXX. XXXX XXXX XXXX XXXX had my personal information due to my purchase of a car from them on XXXX XX/XX/2021. A salesman at the XXXX store was trying to get me to co-sign for a friend who could not qualify on his own, I told him I was on my way over and he was specifically told not to run my credit. I arrived spoke with the salesman and my friend and declined to co-sign. Then to my great surprise I was notified by my XXXX Alerts that my credit report had been run. I immediately contacted the XXXX dealership and they claimed they misunderstood when I specifically stated to them that they did not have permission to run my credit report. Finally today the XXXX dealership said that I have to dispute with the credit bureaus. XXXX allowed me to file a dispute ; however, both TransUnion and XXXX say that XXXX has to write them and say that XXXX pulled in error. XXXX claims that their action was a misunderstanding between the salesman and the finance manager. Either way XXXX did not have permission and these hard pulls need to be removed from my credit file all dated XX/XX/2021.

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 2021-10-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: PA

Complaint narrative:
I have 6 credit inquiries from unauthorized accounts I know dealt with or applied for, I recently checked my score and show these things posting up.

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 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm turning out to be increasingly more disappointed with your organization. After discovering these blunders being accounted for on my credit report I have made the important strides to educate all of you regarding the mistakes. In any case all of you are not doing your part to determine my issues. My family and I are turning out to be extremely XXXX. My lawyer advised me to send this letter to caution you these blunders prior to making a legitimate move. I'm an individual that goes to work ordinarily to ensure my family have equivalent freedoms very much like every other person. I'm a buyer that won't be a casualty of provocation or misuse. As indicated by 15 USC 1692d 1. ( 1 ) the utilization or danger of viciousness or other criminal means to hurt the actual individual, Notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Announcing bogus data on somebody's credit report is hindering to a buyer 's standing. Sending letters an endeavor to gather obligation from a customer who obligations don't have a place with is additionally a type of provocation which is one more infringement of 15 USC 162d 1. ( 1 ) Continually sending letters that has images of an obligation authority outwardly of letter is an infringement of the utilization or XXXX XXXX XXXX or other criminal means to hurt the actual individual, notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Additionally as indicated by 15 USC 1681 ( A ) Exactness and reasonableness of credit detailing The Congress makes the accompanying discoveries : ( 2 ) An intricate system has been produced for examining and assessing the credit value, credit standing, credit limit, character, and GENERAL Standing OF Buyers. You can survey my acknowledge report as proof to see that my standing indeed has been destroyed. This segment unmistakably says that a buyer 's credit report was set up to recognize an Overall Standing OF Customers. Likewise, I expressed before I was a survivor of the XXXX Information Break.

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 2021-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am having a problem with MERCHANT ADJUSTMENTS. I HAVE REACHED OUT TO THEM ABOUT 120 DAYS NOW REQUESTING VALIDATION THAT ANYONE AUTHORIZED THEIR COMPANY TO RETRIEVE MY MEDICAL INFORMATION AND PROOF OF THE ACCOUNT NOT JUST A BILL THEY CREATED. THEY ONLY TOLD ME THAT SOMEONE AT THE ALLEDGED HOSPITAL TOLD THEM I AUTHORIZE ANY PROVIDER TO SEE THEIR MEDICAL INFORMATION. 

IF THIS WAS THE CASE, THEY STILL WOULD NOT BE ABLE TO ACCESS ANY OF MY MEDICAL INFORMATION BECAUSE THEY ARE NOT A PROVIDER THEY ARE A COLLECTION AGENCY.I ASKED FOR THAT LETTER, AND THEY REFUSED TO SEND IT TO ME. 

THIS IS A IDEA OF THE LETTER I SENT THEM AND THEY SENT NOTHING Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until the debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you Will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I await your reply with the above-requested proof. Upon receiving it, I will correspond back with you by certified mail. Kind regards, The listed items are entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ).

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 2021-10-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am having a problem with MERCHANT ADJUSTMENTS. I HAVE REACHED OUT TO THEM ABOUT 120 DAYS NOW REQUESTING VALIDATION THAT ANYONE AUTHORIZED THEIR COMPANY TO RETRIEVE MY MEDICAL INFORMATION AND PROOF OF THE ACCOUNT NOT JUST A BILL THEY CREATED. THEY ONLY TOLD ME THAT SOMEONE AT THE ALLEDGED HOSPITAL TOLD THEM I AUTHORIZE ANY PROVIDER TO SEE THEIR MEDICAL INFORMATION. 

IF THIS WAS THE CASE, THEY STILL WOULD NOT BE ABLE TO ACCESS ANY OF MY MEDICAL INFORMATION BECAUSE THEY ARE NOT A PROVIDER THEY ARE A COLLECTION AGENCY.I ASKED FOR THAT LETTER, AND THEY REFUSED TO SEND IT TO ME. 

THIS IS A IDEA OF THE LETTER I SENT THEM AND THEY SENT NOTHING Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until the debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you Will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I await your reply with the above-requested proof. Upon receiving it, I will correspond back with you by certified mail. Kind regards, The listed items are entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
They are claiming to be collecting for XXXX XXXX. But I can not get XXXX  XXXX  to tell me how much they owe as a matter of fact the amount had just changed at the beginning of XXXX. I called for 3 days straight I called eight different representatives two of them being management and the two management ladies actually argued with each other they said one was wrong the other said the other is wrong you know they went back and forth like that then the other six agents told me different amounts that I owe and every time I contact XXXX they give me a new amount I have no idea how much I owe them and they have been allowed to drag my credit down twice I see systems has because the first time they did it they put just some off the wall amount that XXXX told them The second time XXXX updated here at the beginning of XXXX and IC systems put the new updated amount and they were able to drag my credit down again through XXXX so that's twice they've got to do that I think they need to be removed

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 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a business loan with Chase that was scheduled to mature on XX/XX/XXXX. Due to the pandemic, I received a three month deferral on payments for this loan, with payments being deferred XXXX, XXXX and XXXX of XXXX. In XX/XX/XXXX, my automated payments were reinstated by Chase. I assumed that the maturity date of my loan would be extended by three months to ensure the loan was fully paid off at time of maturation. Chase did not communicate in any way that I would need to pay the equivalent of three months of payments upon maturation of the loan. Chase also did not proactively provide me the option of increasing my automated monthly payment in order to fully pay off the loan at maturation. 
As a result, the following took place : 1. I expected that on XX/XX/XXXX, my automatic monthly payment would have been withdrawn from my checking account. It was not. I did not understand why and assumed there was an error.

2. I reached out to Chase to discuss why my payment was not withdrawn and to my surprise, I learned that my loan matured, Chase had stopped my automatic payments, and left me with a large outstanding balance. I was very confused as I expected my loan was maturing in XX/XX/XXXX based on my outstanding balance and payment deferrals. 
3. I never received any communication from Chase that my loan was about to mature, and in fact, did not receive a statement the month the loan matured. ( Statement dates : XXXX and XX/XX/XXXX ) Instead, I received a late fee of {$250.00} - also not communicated to me.

4. Once I understood the situation, I requested to pay off this loan in three monthly payments, as I had been doing for the last 5 years. I immediately made one payment ( representing the XXXX payment ), and asked that I make the remaining payments in XXXX, XXXX and XXXX respectively. 
5. After escalating this request, Chase 's response was that in order to accommodate my request, I would need to apply for a new loan, with a new credit check and new loan terms. I find that solution unacceptable.

6. I have paid Chase monthly for 5 years and only requested an extension of this loan, with these terms, to compensate for my payment deferrals due to the COVID pandemic. 

As of now, it appears that I have no choice other than to find the money to pay off this loan immediately or I will be reported delinquent and pay large fees. 

How can Chase execute a loan payment deferral program during a global pandemic and not communicate to its customers the expectations associated with this program? I never received any communication from Chase and believe this program must have been instituted without a standard set of processes, adjustments and payment expectations proactively communicated to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
The company venmo  confiscated {$1400.00} of mine and they won't tell me why but they've had it for around 180 days. I've discussed this within numerous times and they refuse to tell me why please help me in this matter. This happened around XX/XX/XXXX and I believe it's going to be 180 days on XX/XX/XXXX. I've submitted my IDs and everything they've asked for and they still won't comply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
On XXXX of 2021 Ally Financial submitted the automatic payment to XXXX XXXX. XXXX XXXX did not pay the EFT payment. I had the funds Available in my Account. I was not aware this issue that XXXX XXXX did not pay for the Month of XXXX. I found out in XXXX and I called Ally Financial and paid 2 months payment. 
I called XXXX XXXX and they told me that it was an error and they provided a letter to me. I forwarded this letter to Ally Financial. Ally said it will fix it with the credit Bureaus and send a copy of the letter to me state the fact that it was XXXX XXXX that made the error not paying to Ally. 
But Ally has been send me a letter 3 times that shows only that the car is paid off and the payment status is 30 & 60 day lates.

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 2021-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion, for some reason, is reporting my mortgage with XXXX  # XXXX as 30 days past due for XX/XX/2021. This could not be possible as I sold my home and paid off the mortgage on XX/XX/2021.Attached I have provided a copy of the settlement statement and warranty deed showing the home as sold and XXXX XXXX  being paid in full on XX/XX/2021.

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