vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX / XXXX / {$1200.00} XXXX XXXX XXXX/ XXXX / {$1100.00} XXXX XXXX XXXX/ XXXX / {$1100.00} XXXX XXXX XXXX XXXX / {$1000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( 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 2022-02-02 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:
The XXXX XXXX XXXX account # XXXX is fraudulent and is not mine. By law as a consumer, they can not report this to my report without my consent under 15 USC section 1681b yet you keep reporting this information on my report. I have been trying to dispute this information off my report for over 6 months which is a violation as well under 15 USC 1681B-2 as they failed to notate this account as under dispute. This account is false and misleading and is hurting my reputation and holding me back from applying for things. It's sad that even though I have the say of what goes on my credit report or not as the original creditor/obligor, these bureaus still continue report fraudulent items as if they own my personal information. This will be my final attempt to resolve this issue. If this issue is not resolved within 15 days of this complaint being received, I will be more than glad to seek monetary compensation for the mental harassment, abuse and trauma you have committed under 15 USC 1692d.

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 2022-02-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX {$10000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX BANK XXXX {$1600.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX  ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph XXXX XXXX XXXX and before the end of the period referred to in paragraph ( XXXX ) XXXX XXXX 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 2022-02-02 00:00:00
Product: Vehicle loan or lease — Lease
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: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/XXXX my lease agreement with the U.S. Bank NA has expired, and I paid off my outstanding contract obligations as well as the associated Sales Tax amount. On closing of the account, the U.S. Bank NA ( tax ID XXXX ) has issued a check for the amount of Sales Tax payable to the New York State Department of Motor Vehicles. I have then deposited that check during title processing with the NYS DMV and was issued a new title for the vehicle. 

On XX/XX/XXXX the NYS Department of Motor Vehicles informed me via a written letter that the sales tax check issued by the U.S. Bank NA was returned unpaid. I was also informed that a ) a new payment is needed from me ; AND b ) the new amount due now includes a penalty for the dishonored check ; AND c ) my driver 's license will be suspended unless the total payment is received. 

Since the moment I received the above letter, I attempted to discuss the situation with the U.S. Bank NA multiple times without any success : 1. Phone calls made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 

2. Has been rerouted between multiple departments and spoke to the agents in each one : - XXXX ( customer support ) - XXXX ( lease end ) - XXXX ( lease maturity ) - XXXX ( banking ) 3. As advised on the phone, communicated the full history and provided supporting documents via fax/email : - XXXX ( customer service fax? ) - XXXX ( titling department fax - twice! ) - XXXX ( customer service manager? ) At no time has anyone contacted me from the U.S. Bank to update me on the status or with any questions. All the conversations were initiated from my side. 

As of this point, after wasting numerous hours on the phone discussing the same problem over and over, I was informed by the agent and her manager on XX/XX/XXXX that a request was sent to the " back office '' 5 days ago, that no response has been received, that it's not clear when a response will be received, and that there is nothing else anyone can do until the back office '' responds. 

Based on the above, my conclusion is that the U.S. Bank has either intentionally withheld the sales tax money they received as intermediary and fraudulently issued an invalid check, OR that the U.S. Bank is a highly dysfunctional institution, incapable of providing customer service at a reasonable level.

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 monetary relief
Consumer complaint received 2022-02-02 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: Avant Holding Company, Inc.
State: CA

Complaint narrative:
This debt was awarded to my ex-husband, XXXX XXXX, in XXXX of 2021. I provided the company and the collection agency with the divorce paperwork asking t Them to remove it from my credit. No response from either company. In XX/XX/2021, I contracted with a credit repair agency to get this taken care of. They have sent multiple letters to avant and absolute resolution, the collection agency on my credit report, with no response and they have not removed it from my credit. I do not know what to do to get these people to take this off of my credit. I have sent them legal documents, the credit repair agency has sent them multiple legal documents, and they are doing nothing that late they are legally obligated to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: Navient Solutions, LLC.
State: VT

Complaint narrative:
I've had Navient as my student loan servicer for many years. A couple weeks ago I transferred my large student loans to a new servicer ( XXXX XXXX ). The payoff to Navient was complete on XX/XX/2022 as is reflected on my Navient account page. Navient received the full amount ( in fact a slight overpayment ). Just for good measure -- to be extra safe -- I turned off auto-pay and deleted my bank account information from my Navient account. Did that 2 days ago. Maybe XXXX. This morning ( XX/XX/2022 ) I see Navient has withdrawn the usual amount ( XXXX ) from my bank account. WITHOUT AUTHORIZATION. And without my owing a penny. 

This is theft. Any other descriptions are doublespeak. They stole the money today. I want it back today. 

Whatever help you can give me will be appreciated. 
THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
XXXX placed an account in collections and used multiple Collection agencies in the attempt to collect via email/mail/phone/ credit file reporting all through XXXX, all without verifying the debt, I have disputed it multiple time always asking for the Original signed document as is my right, they were never produced nor was i asked to view them,, XX/XX/XXXX they still did not comply with originals instead sent copies with copy/pasted signature/altered documents and uttered a complete forgery all in order to validate a non existent obligation and extort monies not owed and the CRA 's are guilty of no adhering to FCRA by verifying the debt and only reporting 100 % accurate information * I HAVE NEVER AGREED OR ACKNOWLEDGED THIS 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 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX / XXXX / {$1200.00} XXXX XXXX XXXX XXXX / {$1100.00} XXXX XXXX XXXX/ XXXX / {$1100.00} XXXX XXXX XXXX/ XXXX / {$1000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX  ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX  ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX  ) and before the end of the period referred to in paragraph ( XXXX ) ( 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 non-monetary relief
Consumer complaint received 2022-02-02 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: GA

Complaint narrative:
XXXX placed an account in collections and used multiple Collection agencies in the attempt to collect via email/mail/phone/ credit file reporting all through XXXX, all without verifying the debt, I have disputed it multiple time always asking for the Original signed document as is my right, they were never produced nor was i asked to view them,, XX/XX/XXXX the still did not comply with originals instead sent copies with copy/pasted signature/altered documents and uttered a complete forgery all in order to validate a non existent obligation and extort monies not owed and the CRA 's are guilty of no adhering to FCRA by verifying the debt and only reporting 100 % accurate information

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 2022-02-02 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:
The XXXX XXXX XXXX account # XXXX is fraudulent and is not mine. By law as a consumer, they can not report this to my report without my consent under 15 USC section 1681b yet you keep reporting this information on my report. I have been trying to dispute this information off my report for over 6 months which is a violation as well under XXXX USC 1681B-2 as they failed to notate this account as under dispute. This account is false and misleading and is hurting my reputation and holding me back from applying for things. It's sad that even though I have the say of what goes on my credit report or not as the original creditor/obligor, these bureaus still continue report fraudulent items as if they own my personal information. This will be my final attempt to resolve this issue. If this issue is not resolved within XXXX  days of this complaint being received, I will be more than glad to seek monetary compensation for the mental harassment, abuse and trauma you have committed under 15 USC 1692d.

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 2022-02-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The XXXX XXXX XXXX account # XXXX is fraudulent and is not mine. By law as a consumer, they can not report this to my report without my consent under 15 USC section 1681b yet you keep reporting this information on my report. I have been trying to dispute this information off my report for over 6 months which is a violation as well under 15 USC 1681B-2 as they failed to notate this account as under dispute. This account is false and misleading and is hurting my reputation and holding me back from applying for things. It's sad that even though I have the say of what goes on my credit report or not as the original creditor/obligor, these bureaus still continue report fraudulent items as if they own my personal information. This will be my final attempt to resolve this issue. If this issue is not resolved within 15 days of this complaint being received, I will be more than glad to seek monetary compensation for the mental harassment, abuse and trauma you have committed under 15 USC 1692d.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX OF PA XXXX XXXX {$1600.00} XXXX XXXX XXXX OF PA XXXX XXXX {$1100.00} XXXX XXXX XXXX OF PA XXXX XXXX {$1700.00} XXXX XXXX XXXX OF PA XXXX XXXX {$240.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
I have mailed letters to Vance & Huffman Llc as well as spoke on the phone with the company stating I need validation of this debt they claim I owe. I have yet to receive a contract with my signature, nor have I received any form of mail correspondence pertaining to this debt. They are reporting on my credit which effects my employment. I spoke to the original creditor and was told that I have a XXXX balance with the company. I request that this account be closed and removed from my credit due to the fact I don't owe this debt and the company has failed to provide any documentation which is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I qualify for the Public Student Loan forgiveness ( under the temporary relief program ). I had two different servicers initially ( XXXX XXXX XXXX  and American Education Services ). The loans from American Education Services had to be consolidated and were transferred to Fedloans. These loans were forgiven on XX/XX/2021. The loans from XXXX XXXX did not transfer over and I called both servicers trying to get them transferred. Eventually, someone at XXXX XXXX was able to get them transferred to Fed loans. The issue is that my employment date is incorrect. The correct dates are in the portal at Fedloans and have been since I initiated this process in XXXX. Also my payment counts are showing that they are ineligible because my employment dates are incorrect but clearly the form shows that I have been at the same employer for the past 11 years. My account has definitely been mishandled and I am dissatisfied by the lack of knowledge as provided by both servicers.

Company response to consumer: Closed with explanation