vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BTH Management
State: VA

Complaint narrative:
XXXX ( XXXX ) sold my debt to Plaza Services LLC at XXXX but I believed to have closed this debt until I was contacted by XXXX XXXX XXXX XXXX on XX/XX/ ( I believe ). My complaint is truly with Plaza Services LLC and XXXX XXXX XXXX. In my discussion XXXX XXXX at XXXX XXXX XXXX, I disclosed that I would like to resolve this issue but wanted to verify and valid the claim so I ask for documentation which I did not receive. I did settle with XXXX XXXX XXXX that I would pay to close the matter on an upcoming pay period but wanted to still verify accuracy. I gave them a payment of {$25.00} and realized that I should not have given this information out until validating. Since that initial call, I called XXXX to confirm if the status which XXXX did not have any information other than a phone number. Upon calling that number, I found out that the number was associated to Plaza Services LLC who I attempted to call repeatedly but was not able to connect to a live person ( either phone continued to ring or call was picked up but left on hold for more than 30 minutes ). I then check online sources and noticed numerous complaints especially one that I have now experienced with XXXX XXXX XXXX ( XXXX XXXX and XXXX extension XXXX who is a supervisor ). XXXX XXXX has called several different people after he and I agreed to terms, the persons he contacted are some of which I have not spoken to in 17 years including my place of employment disclosing my information even after I told them I wanted to validate before making final payment to ensure this was not a scam. I called them this morning ( XXXX XXXX ) to close the matter for full payment XXXX ( Supervisor ) at  XXXX XXXX XXXX said of {$1900.00} that I can have processed but am waiting for a call back. I plan to close this matter today but would like this company investigated as their practices violate everything I believe to be illegal within the Fair Credit Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Utah System of Higher Education
State: OH

Complaint narrative:
My student loan is held by XXXX. I had issues creating a profile and logging into my online portal. I called the company and they said there were known issues with their mobile app and I should try to set up my account on a desktop computer, which I do not have access to. They did take my payment over the phone and it brought my account current. I found out after this that although they send me a bill for 1 student loan payment, they turned in 5 separate delinquencies to the credit reporting agency. This had a detrimental effect on my credit score. 1 reported delinquency for the student loan payment I owed would have been correct. Instead, they reported each semester of school as a separate late payment. This doesn't seem like fair credit reporting practice to me. I called and they said, it's their policy to report that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have contacted Transunion on several occasions in reagrds to the accounts listed below. The most recent dispute was dated on XX/XX/XXXX. I received a response in regards to the disputed items from Transunion on XX/XX/XXXX. 

XXXX 6 years of late payments are being reported, after account was closed. In addition, this is a closed/charged off account but shows a past due amount of {$7700.00}. This is a FCRA violation. The results from Transunion are " Disputed information updated and other information updated ... '' Again, how can a closed account that was charged off report a balance of {$7700.00} is it was closed and charged off? Also, how can a closed and charged off account keep negatively reporting late payments to my report if this creditor does not own this account anymore? The account was closed and charged off! Please stop updating inaccurate information from this account and delete this account entirely! I have also not received any documentation from the creditor or the credit bureau in regards to this dispute! 

XXXX XXXX XXXX Account is closed/charged off but shows a monthly payment of {$620.00}. The results from Transunion are " Disputed information updated '' Now it is showing a charge off balance of {$850.00}? This account was also never verified with the 30 days from the creditor or Transunion. How was this account 's information " verified '' against my dispute if neither the creditor or credit bureau has provided me with any documentation? This account is inaccurate and needs to be removed, not continuously updating different and inaccurate information on my credit report! 

XXXX XXXX XXXX - Past due and late payments reported on a collection? Delete immediately! This account has been previously disputed. Failure to notate that this account on my credit report is under dispute after a creditor or debt collector has reported the dispute. This is an additional violation! 
The results from Transunion are account verified as accurate? How!

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 2020-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I had recent issues with Chase Bank on a few situations where I would consider major violations for mistrust by a bank, where they use an alias saving account to keep my direct deposit issued on XX/XX/XXXX in the amount of {$840.00} to pay off an claim I had filed on XX/XX/XXXX. I had an bank credit of {$680.00} left in checking account ending in either XXXX or XXXX where it was never send to me in a cashier check. I was told on a few occasions that a cashier check will be send to me and I was even given dates like XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX that a cashier check was send in the mail for the amount {$680.00} and changes was being sent to me, which it was never sent back me. Chase bank continue to lie to me about these funds. Chase bank lied to me about my direct deposit being rejected on XX/XX/XXXX in amount of {$840.00} and sent back to my employer within 24 hours. I had a called from an executive from Chase Bank on my 1st complaint two week ago which she mention that she would response and refund my funds owed to me. On all these occasions Chase bank continue lying to me and take advantage of their high power cooperation over people like me. Their response to these complaints is an automatic answer by continuing saying, " I'm sorry '' on the phone but not really caring about you as person of not being to pay your bills or being homeless by them taking a person hard earn paycheck though a violation on their part. They took my funds illegally and continue to lie to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-02-10 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle for a XXXX, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me a auto loan. I asked them why and I did not get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my to open up accounts that should of never been open. These accounts are not mine. I need them removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: AR

Complaint narrative:
I was trying to trade my vehicle for a XXXX, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me a auto loan. I asked them why and I did not get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my to open up accounts that should of never been open. These accounts are not mine. I need them removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion is the company, along with XXXX.

This continues to be a nightmare with TransUnion, i am not able to apply for another work opportunity due to multiple multiple FCRA violations in which TransUnion continues with willful intent to ignore. Numerous disputes with TransUnion for over a year now have fallen on deaf ear, and it shows up as not disputed ; why? TransUnion shows a different address from what XXXX has ; neither credit reporting agency will provide a telephone number. Consumer Protection Finance Bureau has previously reached out to this corporation as well under complaint number XXXX and this corporation has stated it does not belong to them. This isnt making sense, i need to see the documents showing proof this alleged debt is mine.TransUnion also needs to show in writing the step by step independent investigation performed. This company name on the report shows XXXX XXXX XXXX, account # XXXX. 

This company has various names including XXXX XXXX XXXX. XXXX  has deleted this non-verified inaccuracy, so if XXXX  can not verify, how has TransUnion and XXXX  conducted an independent investigation for verification? 

There are too many FCRA violations to place without making this a long complaint. XXXX  shows a XXXX XXXX XXXX XXXX, XXXX TX XXXX for an address without a phone number, and TransUnion shows an address of XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, which is a registered agent for this company and/or companies. 
TransUnion is showing a payment on XX/XX/2019, and XXXX just states that a recent payment was made, who paid? XXXX  also is showing an unfamiliar name on the report as XXXX XXXX, who is that? A charge off showing a balance due? Wow, i am flabbergasted as to how employees are trained here. As previously stated, there are too many FCRA violations to report here without making a long drawn claim. 

Thank you for your time. 

By : 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 2020-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of York, Inc.
State: PA

Complaint narrative:
For the past few months I've been disputing this account directly with York Credit Bureau or whatever their name is. I don't even know if they exist at this point, the only way I've ever heard from them about this was a phone call at work, and from my credit reports. I did not appreciate how aggressive they were, and they did not provide me with any information about what the debt was for! They didn't even tell me they were debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL. XXXX Cell : XXXX Good day, XX/XX/XXXX I reach out to a company XXXX XXXX XXXX ... for a Loan Modification, with a series of question I was approved for the a Homeowners Hardship Program ... it was emailed to me ... in which I filled it out sign and returned with the appropriate paperwork ... I was informed that my payment will reduced and the outstanding balance will be forgiven as long as I paid the 90 day consistently, also they stated that they sent a cease and desist letter to my Mortgage company ... before all of that at one point I was put on hold to reach out to my Mortgage company an individual came with in correct information of my payment history ... once he got off the line, I indicated that the information that given was in correct ... I ask once I've made all three payments installment period is completed successfully, to whom do I continue to make my payments to ... .they couldn't give me a decisive answer ... in that moment would I felt a tad on easy ... however I made my last payment in XX/XX/XXXX... I did inform them that I will be out of town until XX/XX/XXXX. During the time of making my payments I was receiving letters from my Mortgage company I faxed them to XXXX XXXX XXXX ... I inquire why are they still sending me letters, she stated that they'll resend the cease and desist letter again, but I still was receiving them ... so I decided to write my Mortgage company and send them the cease and desist letter myself ... on XX/XX/XXXX I received a letter from my Mortgage company stating the never received anything from XXXX XXXX XXXX XXXX ... this is why I'm reaching out to you.. in my moment of devastation ... what do I do now, how do I retrieve my payments back that I could have paid my mortgage with ... my head is just racing and in this belief ... I called numerous time they refer me to another person one person calls tell me they all call me back they don't call me back when I call a leave a messages nobody calls me back so here we are ... The party 's in play are XXXX XXXX, XXXX XXXX, XXXX XXXX they also email me another name they indicated that is with processing department XXXX XXXX from my mortgage company. There is more but I am Exhausted Best Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MI

Complaint narrative:
Enhanced Recovery Company ( ERC ), based in XXXX Florida, Has continuously pressured me into paying a bill that I do not owe at all.I never had XXXX phone service or XXXX XXXX XXXX which enhanced recovery is trying to force me to pay, I have reported to this collection agency that I do not owe a debt continuously over the last year. They continuously harassed we continuously harm my credit filter produce in the written verification of debt which is required under federal law.Enhanced recovery have been violating the fair credit reporting act.Please force them to remove all fraudulent items off of my credit report or non-verifiable information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
My student loans are currently in bankruptcy forbearance due to me filing Chapter XXXX. My bankruptcy was amended to allow me to participate in the Public Service Loan Forgiveness program by allowing me to pay with the IDR plan. Loan status has not updated so I can re certify for IDR. Time that is being used as " processing '' is causing me to loss credit for months I can receive credit for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I tried to pay off my auto loan both online and over the phone. Chrysler Capital advised me in both channels that the only way to pay off my loan was to mail them a check. I am not comfortable sending such a large check via mail. I believe they are requiring checks via mail to discourage consumers from paying off their loans early. Surely in XX/XX/2020 sending large checks via the USPS is not the most secure means of transmitting payments, nor is it in the best interests of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: PA

Complaint narrative:
I have a collection account in my credit report that is about seven years old and dont belong to me showing. Late payments every months the account was previously disputed and removed but for some reason was reinstated in my credit report I asked Experian to stop reporting this account in the late payment status since that is hurting my credit report month by month I asked Experian to provide me with the way they had verified this account however they had no do so

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 2020-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cottonwood Financial Ltd.
State: NY

Complaint narrative:
I had taken this loan out in XXXX while i was stationed at XXXX XXXX XXXX. I was XXXX years old when i needed cash because i found out i wasn't going to recieve a paychecl due to a XXXX XXXX XXXX problem with the Finance Department. 

I made a few payments but was unable to keep up with the interest rates. 

I got out of the Military XX/XX/XXXX. I never received a single phone call from the company to resolve the debt, not one. i never received a bill in the mail - and i properly change my address upon each move i have ever made - with the USPS. 

here we are now in XXXX and i receive a phone call from Law firm that they are taking me to court in XXXX  ( I live in XXXX ) the first phone call i received was Last week on Thursday but they didn't answer - i just remember the wait time music. so when they called today i heard the music and thought, " Oh this is that weird phone call i got last week, i wonder what this is for? '' so when they picked up and explained the situation it all made sense. 

so from XXXX to XXXX i had never received a call, or bill and still haven't. they allowed me no turn around on going to XXXX  to answer the summons, and i haven't even received a summons formally in the mail as of yet? 

In XXXX i filed Chapter XXXX Bankruptcy and was under the impression this was covered under the loan. 

I was unaware of the Military Lending Act At the Time i applied for this payday/cash loan. i was also unaware of the Civil Servicemember Reliefe Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: I.C. System, Inc.
State: VA

Complaint narrative:
IC System is showing as " Open '' Account dating XX/XX/2017. I never opened any account either with IC System or " XXXX XXXX XXXX '' ( who is listed as the original creditor ) in that 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