vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TDS Financial LLC
State: FL

Complaint narrative:
I had a XXXX  loan more than 10 years, I have been paid that XXXX  loan, every time a debt collector called requesting money from me, they said that They brought my debt to the original creditor but they never can provide me with the original contract. Recently I received a letter on XX/XX/2022 R & R Soulutions INC states that I owed them {$1300.00} Before I received this letter R & R Solutions INC has been calling me several times a day, they called my mother, my sister, my brother asking them to pay my debt if not they are going to sue me. 
I send them a letter on XXXX XXXX to let them know that : I dont owe them unless they can prove to me the original contract loan with date and my signature.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
I got a phone call from XXXX out of XXXX, CA. I used to live in XXXX CA and XXXX is XXXX minutes away. I moved to XXXX XXXX, XXXX in XXXX of XXXX and have been living here since. I recieved their first call on XX/XX/XXXX at XXXX I picked up the phone no answer, they hung up on me. I got a 2nd call at XXXX same day. I picked up and said hello repeatedly before a man with a XXXX accent started talking to me saying he was contacting me from Credence Resource Management. I asked what this was regarding and he asked if i was the parent of XXXX  or XXXX XXXX, whom is my XXXX year old son. I said yes, I am, what is this regarding. He continued to say we need to verify his date of birth. I said, i dont even know who you are and your calling me out of the blue to verify my sons birthday, what is this regarding? He proceeded to say that its regarding an Ambulance ride. I said, that happened a while back ago and this is the 1st time im hearing of this. What is this really regarding? He didnt state why he just kept asking for my sons birthdate. I said, NO, I have no idea who you are and nor do i trust you with so many scam phone calls happening today, if this is something really important send me a letter and I hung up. Upon researching the name of the company, it appears to be a legitimate colletion agency from Texas, but I should have any debt because no one has ever tried to collect from me for an amblulance ride when i had health insurance. I think some scammer is using the companies name as a cover and somehow found out that I had an ambulance ride with my son XXXX some time ago and trying to extort me for money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12 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: Self Financial Inc.
State: NC

Complaint narrative:
I completed payments to Self Inc. to boost my credit as it is a credit builder account. I paid XXXX per month for XXXX  months and at the end was to receive a check for XXXX. I made the last payment on XX/XX/XXXX and was told that the check was mailed on XX/XX/XXXX. I was told it would take up to XXXX days to receive. The XXXX day twas on XX/XX/XXXX. I called Self Inc. on XX/XX/XXXX to inquire about the mailing of my check and was told that they would re-issue another check which is to arrive in XXXX. They stated that the original check has been cancelled. I was not given a sufficient answer as to what happened. I am leery about whether I am to receive anything from Self, Inc. I am requesting that CFPB investigate as this practice could occur with others who trusted Self as a credit builder product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The level of incompetence from this financial institutions is unfathomable. I have spent hours upon hours on the phone for months with various customer service reps. trying to rectify matters after multiple fraudulent activity on my account occurred for a second time ( all from the same merchant ) .I paid off the balance for charges that I made in XXXX of XXXX. The first fraudulent activity occur in the summer of XXXX, but was resolved. The card number was changed and I locked the account immediately. However, I received a statement with additional fraudulent from XXXX in XXXX of XXXX, that I immediate filed a report with XXXX. XXXX reps. acknowledge that it is fraud and kept saying not to worry because they are aware of the situation and are working on resolving the matter. One rep. advised me to close the account, which I would be happy to do once the matter is resolved. The late fees have been removed for the past 2 billing cycles while they claim to be working on resolving the issue, but the credit bureau balance report includes a late fee and fraudulent charges. They made multiple excuses for why I can not speak with a supervisor and have disconnected me many times when I am waiting to speak to a higher up. Of course, they never call back when this occurs. This have been a repeated cycle of frustration since XX/XX/XXXX. However, knowing that this is fraud, that they claim to are behind in addressing claims, and that they told me to do nothing and give them time to correct the problem, did not stop them from reporting me to credit bureaus for non payment. Of course they told me that this will be reversed, but like all of their promises, they have non kept it. I should have never been reported for non-payment due to their negligence. This has dropped my score by more than XXXX points. My last call to XXXX was XX/XX/XXXX. I was promised that this matter would be resolved by XX/XX/XXXX and that I would be contacted by a supervisor as I have requested for months, because the supervisors were too busy to talk to me when I called. I will say that the reps. are polite and apologetic, but I need immediate corrective action not empty promises. I want my excellent credit restored and the fraudulent charges cleared. XXXX practices are unnecessarily and blatantly negligent.

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 2022-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
nissan has settled a class action suit for its known transmission failures related to models with the XXXX transmission. settled this year on record with the federal government. 

Last year in XXXX XXXX the transmission on my XXXX XXXX failed and the repai came to XXXX dollars us, that i had to privately borrow to maintain commuting to a job. 

I informed nissan XXXX of the situation on various emails after and up to XX/XX/XXXX. 
I informed them that any payments to pay the loan, was sublected to payment to repair the transmission so i could keep working to pay the loan. 

they ignored phone calls made 5 times between XX/XX/XXXX and XX/XX/XXXX during collection activities. 

Each time i was told that i needed to pay up or credit would be knocked down and repossesion could occur. 

I went past due and struggled to catch up but nissan refused to help and lower payments or reset loan. they showed me 30,60, days late which knocked my credit score down.

They refuse to accept that the transmission cost whick with my XXXX fall under the agreement by the US and nissan XXXX to either credit the loan for repairs and remove the past dues, or the refinance the loan. 
nissan XXXX  of texas usa.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Frontline Asset Strategies, LLC
State: CO

Complaint narrative:
I have never received any written correspondence from Frontline Asset Strategies ( FAS ). I only received phone-calls and was never able to verify the amount owed, when the debt was acquired, and what my options were. 

I spoke with XXXX on XX/XX/XXXX and made a payment in full of {$420.00} cents. I have reached out to FAS six times via email requesting the receipt and letter stating that this account is paid in full and closed, but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My husband and I stayed at a XXXX on XX/XX/2021 ; we were charged three different amounts on the XXXX XXXX XXXX even though we only stayed at 1 Hotel. It is impossible to stay at three different hotels on the same night. We disputed the charge but they refused to remove the other two charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: PR

Complaint narrative:
Nel net is charging me interest on student loans when the COVID-19 emergency was extended to XX/XX/2022 without interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: MO

Complaint narrative:
I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance {$14000.00} ftc XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2019

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 2022-02-12 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: MO

Complaint narrative:
I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
This company claims to have purchased a debt in my name for XXXX wireless something of which I have no knowledge of. I have however been a " prepaid '' customer of theirs for the past XXXX  years until XXXX when we changed wireless XXXX, all my devices were purchased at XXXX and XXXX XXXX This has been an ongoing thing with Jefferson capital for years now, they have ruined my credit, and have harassed myself and my family at least XXXX times that I know of. I have filed disputes with all major credit services but to no avail! 
When I asked for proof of debt they said they sent it to me, I have not received any information on the said debt until today XXXX XX/XX/XXXX. They keep calling me ( XXXX times yesterday and XXXX times today alone and it's not even noon yet ) threatening to have me arrested for fraud, having my bank account frozen, and telling me at least once that they will make it so I can't get any credit for anything. I am a XXXX Veteran with XXXX, my credit has been compromised XXXX times last year XXXX and XXXX the previous year XXXX. I now have a fraud alert on my credit report. Please Help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: GA

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$350.00} XXXX XXXX XXXX XXXX : XXXX -- -> : {$400.00}

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 2022-02-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is willfully breaking the law by continuing to report verified information that is inaccurate that is cuasing myself harm on my consumer report. No proof of these reinvestigated items have XXXX furnished to myself showing the proof and how this information was verified. They are noncompliant with the laws that Congress has in place to protect the consumers rights to fair and accurate consumer reports and privacy cuasing consumers harm. Numerous laws are being broken willfully with disregard to myself the consumer which Congress has set laws in place to protect myself in the Fair Credit Reporting Act. Equifax has ASSUMED a vital role in reporting accurate information with grave responsibility to accuracy, fairness, and impartiality which they are willfully breaking these laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I submitted a idenity theft report regarding fraud on my Experian Credit report. I have reported this problem twice before to Experain and they failed to do a proper investigation and failed to remove the damaging fraud from my credit report while the investigion was to be done. 

The following account is fraudently reporting on my Credit Report and they have done NOTHING to remove it. 

XXXX XXXX XXXX  account # 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 2022-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XXXX to XX/XX/XXXX insufffficent funds notices and monthly amount for fee low balance. bringing account into negative than forcing a close on XX/XX/XXXX using up the 100.00 that was in account charging 200 dollars and creating a bad chex system report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-12 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: RI

Complaint narrative:
On XXXX I XXXX XXXX the consumer, sent TRANSUNION, XXXX, and XXXX ( The CRAs ) certified mail informing them that Im a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or E-Oscar. I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the Credit Reporting Agencies =TRANSUNION XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-12 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: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXX XXXX Balance {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: Aspen National Financial, Inc.
State: CA

Complaint narrative:
We have attached the necessary documentation regarding this matter. 

We were involved in a contract dispute with XXXX XXXX and we were disputing any " debts '' owed to them. They illegally placed us into collections with Aspen. 

We sent a letter to Aspen alerting them that this " debt '' was under a legal dispute and under the Fair Debt Collections Practices Act it was illegal for them to report negatively on our credit. 

They have refused to remove the illegal derogatory marks on both mine and my husbands credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
I received written letter from organization calling itself Professional Credit Service attempting to collect amounts previously paid relating to medical services. 

Account numbers were phony and letter did not come from the medical provider they purported to represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: GA

Complaint narrative:
In XX/XX/2016 there was a draft from this line of credit. My online banking platform never showed a balance on the credit account, a bill was never sent, and I was never made aware of an outstanding balance. I was also never contacted by an agent, or a collection manager with an opportunity to pay the bill. Without my knowledge, this account was charged off and reported on my credit 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 2022-02-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/2016 there was a draft from this line of credit. My online banking platform never showed a balance on the credit account, a bill was never sent, and I was never made aware of an outstanding balance. I was also never contacted by an agent, or a collection manager with an opportunity to pay the bill. Without my knowledge, this account was charged off and reported on my credit 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 explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
applied to recieve my free annual credit report, was told the with a pending drtispute could not get report, transunion will not except any other disputes till original is closed, they are dragging out the complaint so they do not have to take several problems with my 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 explanation