vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in XXXX but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA.

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices.

Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX  residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally  performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX  Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and  XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
THIS IS IN RELATIONSHIP TO COMPLAINT # XXXX THAT WAS FILED ON XXXX/XXXX/XXXX. THIS WAS FILE AGAINST XXXX DUE TO I DID NOT AUTHORIZATION THEM TO LOOK AT MY INFORMATION IN MY CREDIT PROFILE. i HAVE SENT SEVERAL LETTERS OUT TO THIS COMPANY ASKING THEM TO VERIFY BY SENDING ME THE ORIGINAL SIGNATURE THAT SHOW I SIGNED FOR THEM TO LOOK AT MY CREDIT PER THE FARE CREDIT REPORTING ACT. FINGER HUT HAS FAILED TO COMPLY WITH MY REQUEST. AND IS IN VOLATION OF THE ABOVE MENTION ACT. XXXX MUST REMOVE THIS OFF MY CREDIT PROFILE NOW. FOR FAILURE TO PROVIDE THIS INFORMATION UPON MY REQUEST.

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 2017-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase took my payments put them in a suspense account then proceeded with a foreclosure. I have been trying for 4 yrs to get this fixed They began foreclosure proceedings before I was even behind on the payments. All their paperwork shows they served me aa 90 day notice in XX/XX/XXXX but the default date was XX/XX/XXXX. They claimed they had nothing to do with the mortgage everytime I tried to obtain information Yet in their own letters they state that they had interest in the mortgage until XXXX of 2016. They were moving forward with the foreclosure as I was working with XXXX to obtain a modification. Chase approved me for a modification when I sent payments they never cashed them. They claimed they never received them the same way they claimed they never received XX/XX/XXXX payment when all their paperwork shows they did and put it in a suspense account. 

Chase took my tax dollars for a BAILOUT foreclosed on my home with fraudulent documents on a Note and Mortgage they claim in some papers to have and in others they admit they do not have it. Their Attornies gave affidavits on false information and presented false information to the court claiming it to be true. 

Then Chase buys it back at an unbelievable low price of {$500.00} and the referee allows this to happen, How does the court and the legal system allow this to keep happening. This bank has XXXX of dollars in fines for fraudulent illegal activity and NO ONE CARES. eVEN XXXX looks the other way at irregularities

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, My credit report shows several XXXX records of late payments. They are all related to the student loans I obtained from XXXX XXXX XXXXXXXX. These records are incorrect. Attached please find the bank statements and loan approval / disbursement letters from the school that show the amount owed and lump-sum payment I made in-time.

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 2017-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Equitable Acceptance Corp
State: NC

Complaint narrative:
Referring back to my complaint with Equitable Acceptance, complaint number XXXX, the company responded saying I DO NOT OWE THEM. Yet i am still receiving phone calls and emails that need to stop. My credit reports have yet been updated with them being no longer on there. The credit bureaus said they would have to contact them themselves and remove it from my credit reports. I have proof of the voicemails and emails that still keep coming to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in XXXX but in the XXXX of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices.

Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY XXXX required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XXXX XXXX XXXX received my request to validate debt with creditors, XXXX nor Experian provided me with supporting evidence from the companies. These items stayed on my report I also mailed a second request to them on XXXX XXXX, I had some movement with XXXX and nothing with experian.. I submitted the same letters to XXXX they removed everything but 2 items that they had the companies to send me letters that validated my debt..I must say the crazy part is that everything that was on XXXX was on XXXX and experian. The conclusion is that didnt physically validate anything for me ( XXXX nor experian )

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 2017-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX Social Security XXXX XXXX. On XXXX XXXX, XXXX we received a call from USAA Fraud Department regarding deposits on my checking account ( account number XXXX ). I had applied for a loan on line that I thought was from eloans, but apparently it was not. Some how they made deposits with personal check from closed accounts and accounts with insufficient funds. 

The bank thought I had made these deposits which I did not however, it has caused us a multitude of problems. Currently are checking has been placed on a credit only status starting XXXX XXXX or XXXX thru XXXX XXXX, XXXX. My Military Retirement Pay, VA XXXX and my wife 's Social Security have been direct deposited into the account, as I was not able to change those deposits before the cutoff dates. 

I have contacted USAA on several occasions trying to get some funds released as the account has approximately a {$2000.00} dollar balance ( unable to access they account for precise balance ) so I could pay our utilities before they cut them off. 

We ( my wife and I ) do n't know where to turn or what to do as the bank refuses to release any of our funds and are hoping that you could provide some help or guidance. 

Thank you for your time and any assistance that you could provide regarding this matter. 




Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: WA

Complaint narrative:
I made a payment of {$380.00} to Discover Student Loans on XXXX XXXX, XXXX through my online banking. Without notifying me, Discover changed my account number, and due to the change, my payment was not credited to my account. I spoke with a manager on the phone, which is when I learned about the change to my account number. He then asked me to obtain a letter of remittance from my bank, which he said would help them track down the payment. He assured me the payment would be credited to my account as of the date that it was received. My bank mailed that letter to me on XXXX XXXX, and I uploaded it to Discover on XXXX XXXX. I have since emailed them 3 times through their online messaging system to ask why they have not found my payment and credited it to my account. Now they are telling me I need to call them if I want to discuss my options. I uploaded the letter from my bank again today. They have had my payment for over a month, have refused to locate and crefit it to my account, even though the entire situation was their fault, and they continue to make harassing calls telling me that i am behind in payments - which i am not! I expect them to find my payment, credit it to my account as of XXXX XXXX, and remove any interest that accrued on that missing payment in the last month! I also expect the harassing calls to stop, and for them to remove any negative information they sent to credit reporting agencies!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: PA

Complaint narrative:
I received my fico score today XXXX/XXXX/XXXX, showing I have delinquent accounts on my account that are way over due and I had a XXXX credit score and they dropped it down to XXXX. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.

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 2017-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I am very behind in my payments to my mortgage holder, Ditech Financial. Three weeks ago I spoke to my Account Representative who said she was sending me a  modification package. She added that I could always reach her by using her extension. I called the next day, and she no longer works in that capacity. Now I have a new Rep who, after calling and asking to speak to him, does n't return calls. And I have not received the modification package, though I 've called several times to demand it. Ditech sent me a Notice of Default and Intent to Accelerate on XXXX, and I believe they 're stalling so they can foreclose on my. I have gone to friends for a loan to cover the huge arrears ( {$33000.00} ) and I 'll have it by the end of XXXX. Ditech in any case would love to declare a foreclosure because then their lawyers, with the push of a button, charge several XXXX dollars to the paperwork, which is all boilerplate. Please help. I 'm attached everything I think you would need to approach them for a dispensation on the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp
State: MD

Complaint narrative:
Fraud/Scam. 

An amount of {$39.00} was applied to my account each month to assist in relieving my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
National Credit Systems is reporting on my credit report with XXXX, XXXX and XXXX. I have disputed this item and sent National Credit System a debt validation on XXXX XXXX, XXXX. National Credit Systems has not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Nationwide Financial Group
State: MS

Complaint narrative:
paid off two car loans XXXX/XXXX/XXXX. Have not received titles

Company response to consumer: Untimely response
Consumer complaint received 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have disputed itemd several times, along with proof to support my claim and they still refuse to remove inaccurate items. Now they refuse to dispute the items anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Machol & Johannes, LLC
State: WA

Complaint narrative:
I have given my Power of Attorney to XXXX XXXX XXXX. I recently received a Motion for Summary Judgment. I called the Attorney Office Machol & Johannes and asked why they did n't send it to XXXX, and also that we were in negotiations to settle. They told me that negotiations had stopped in XXXX. I was not aware of that and was surprised to receive the Motion after I told them several times that XXXX had my Power of Attorney and they should be contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX ACCOUNT # XXXX amount XXXX date XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: PA

Complaint narrative:
I received my fico score today XX/X/2017, showing I have delinquent accounts on my account that are way over due and I had a 796 credit score and they dropped it down to 700. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.

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 2017-12-08 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: PA

Complaint narrative:
I received my fico score today XXXX/XXXX/XXXX, showing I have delinquent accounts on my account that are way over due and I had a 796 credit score and they dropped it down to 700. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.

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 2017-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
XXXX XXXX keeps calling my number trying to locate someone that owes them money I 've already explained to them they 're calling the wrong number but they keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have account that I did not open on my credit profile, I cant any validation on the account by trying to contact the creditor This account was fruad and I need it to be deleted from my credit profile .. I sent in some document on account for a XXXX XXXX XXXX total account please help me get this resolved ... I have been residing at XXXX XXXX XXXX XXXX va XXXX for over 8 years Thanks for your understanding

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