vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX we received a XXXX XX/XX/XXXX XXXX we received a collection letter from Amsher for {$2000.00} we filed a dispute as the amount was incorrect. The amount was looked at by t mobile and they removed the balance that was disputable and updated the amount to XXXX however Amsher never sent a letter or called about the updated amount, therefore we could not pay it since we didn't know the actual amount that had to be paid, instead this was placed on the credit report ( this is how we found out we owed {$1300.00} instead of {$2000.00} ) and this all could have been avoided had we received a phone call or a letter with the updated amount, and the amount that was credited. We paid the updated amount today without even knowing what was credited and if the amount was correct. We would like the amount placed on our credit report removed as we never had an intention of not paying, we just needed the amount to be updated to the correct amount. Please advise. In the collections letter there is a line item that states " if you write to us by XX/XX/XXXX. We must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. " We filed the dispute yet the updated amount was never provided to us in order to pay. We would like the item removed from the credit report as it has now been paid. 
In addition the telecommunications manager XXXX XXXX XXXX was very rude did not let me explain the situation and did not hear my concerns about not receiving the updated amount, he spoke over me on the phone and accused us of not paying our debts. I asked him to transfer me to another employee in order to pay due to his hostile customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I made a dispute in XXXX of XXXX regarding two transactions from XXXX. I did NOT receive the merchandise. I contacted XXXX and made them aware of the fact I did NOT receive the merchandise. I later lost my card and XXXX indicated they could not issue the refund due to this and I needed to contact my card holder account. I responded to the disputes and was never contacted by Avant. I learned today XX/XX/XXXX Avant had charged back the items to Me. Im NOT paying for something I did NOT receive. I want this refunded ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I went to Experian.com to request a FREE Credit Report. Once I submitted the request the website asked me for my credit card information. The website said my credit card was needed but was not going to be charged for anything since I was only asking for a FREE credit report. I went ahead an submitted my information and got my free credit report. 

On XX/XX/2022, I woke up from an email alert sent by XXXX XXXX notifying me of a purchase made without my card being present. I went ahead and checked my XXXX app and saw a pending charge of {$24.00} from XXXX. I had not used this card in several weeks so I immediately went online to check who this company was and after a XXXX search it came out that it was Experian. I immediately called my credit card company, XXXX XXXX, to notify them of this fraudulent charge. I did not sign up for anything through Experian and only requested their FREE credit report so this should have never been charged to my account. 

I went ahead and checked my Experian account and saw that my account had been changed to a $ XXXX service. Again, I never agreed to this when submitting my credit card information and Experian said my credit card would never be charge for their free services. I had to change my account back to a free account. Again, I had never changed my account and Experian did it themselves without my permission.

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 2022-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: DriveTime
State: OH

Complaint narrative:
RE : RESCISSION OF CONTRACT ESTABLISHED XXXX It is on this date, XXXX that I, XXXX : XXXX who is a natural living being exercise my right to rescission. Upon reviewing my contract, obligations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant

15 USC 1601 named Truth in Lending. Per the congressional findings of TILA, It is the purpo
se of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit During the consummation of this contract, ( XXXX  XXXX XXXX XXXX ) DID NOT DISCLOSE MY RIGHT TO RESCIND. It is appropriate for me to assume that ( XXXX XXXX ) at XXXX  XXXX XXXX XXXX intentionally withheld pertinent information to complete the sale. Thus, being the case, pursuant 15 USC 1635 I have the right to rescind my obligation and renege my initial consent to pursue the previous terms. It is clear you are not trustworthy and have predatorily conducted business in commerce. 
Effective, XXXX I am no longer responsible for any security interest, finance charge, or fees associated with this contract. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the CASH PAYMENT was only of benefit to you. 
Company also breached arbitration agreement as well as conveying a credit sale into a installment contract where I the consumer received no benefit of their unauthorized use of my credit card as defined in the truth in lending act resulting in major financial injury to me the consumer. please see attached fraudulent contract attached where company also took {$1200.00} down payment ( cash ) in this security agreement Kindly 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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am applying to start my life over again and I am being haunted by misinformation on my credit report in the public information section. In 2011 my bankruptcy was finalized and though the dates and account # XXXX remain incorrect I have had no luck getting into the public records department in downtown XXXX XXXX to have that information corrected. Its been XXXX years and most of those accounts have not been touched for XXXX plus years. Please ask Experian, XXXX and XXXX to remove the Bankruptcies, once and for all finally, please! Please remove them, I am trying so hard to buy a house and I am haunted by the public records section and no mortgage company will give me the time of day because I have this lingering Bankruptcy with extremely old information haunting me. 

no one should suffer 11 years over Chapter XXXX! please! Please XXXX XXXX XXXX XXXX remove it please. Let me buy my house and, move on with my life. My children need a home.

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 2022-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
What happened? 
I was steered into a prolonged period of general forbearance by my loan servicer ( XXXX ) from XX/XX/XXXX through XX/XX/XXXX. I had a baby in XXXX and my husband stayed home not working during this time. I was not on nor was I told about any income driven repayment plan. The result is that I lost over 36 months of eligibility toward Public Service Loan Forgiveness during this time because of this bad advice. I should be eligible for loan forgiveness now, since I have been repaying my loans since XX/XX/XXXX, but I may not have enough payments because of this bad advice to stay in a prolonged forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-23 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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$71.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$71.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I am an XXXX XXXX in the public school system, and have been since XX/XX/XXXX. I have been paying off my direct loans through Nelnet since XX/XX/XXXX. When I went to XXXX  School WHILE working full time at a XXXX XXXX public school, I called and asked to be able to continue paying my student loans. They placed me on deferment, much to my repeated request not to be. Based on XXXX XXXX XXXX XXXX counts, I would be at XXXX payments as of now and have my loans forgiven if my loans were not deferred. My deferment period was from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This issue concerns Transunion Credit Bureau and their failure to provide adequate resolution in releasing my credit report which is currently suppressed ( reason unknown ). A Transunion representative requested a copy of my social security card, which I sent by certified mail. I called XXXX weeks later in an attempt to get this issued resolved and to regain access to my credit report. Now I am being requested to mail in a copy of my driver 's license. Transunion does not have a secure way to receive documents any other way, except through mail, which makes me vulnerable to ID Theft. This issue alone is very upsetting to me. And after several weeks, my issue is still unresolved. Time is of the essence as I am purchasing a home and go to settlement in XXXX weeks.

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 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Wednesday, XX/XX/XXXX I was called by somebody saying that I owed money and somehow was sent to collections for my phone bill at XXXX XXXX, but I called my phone company and I know its a scam. They have called me multiple times a day. I looked up the name that they use Creedence resource management and I could find A bunch of stuff about them online scamming other people also comments that were suspicious saying it wasnt a scam seemingly all from the same person. Another person on the XXXX XXXX XXXX website pointed this out. They really pushed for personal I formation and wouldnt identify themselves

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-23 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
In XX/XX/2021 XXXX submitted an application for Direct Loans Consolidation with studentaid.gov. She selected an income driven repayment plan on the application and selected XXXX XXXX as the servicer. XXXX XXXX noted on the application that XXXX would handle the transfer and then send to XXXX XXXX. In XX/XX/2021 XXXX contacted XXXX to request income documentation and she submitted via certified mail. In XXXX her credit report still showed student loans in default so we contacted XXXX at XXXX and spoke to XXXX and she said she was not sure why it had not come over to XXXX XXXX yet and gave us case number XXXX. Told us to check back. In XXXX we checked her credit report again and found the student loans still in default. So we called again and spoke to XXXX ID # XXXX in Default Resolution Group and he said that XXXX had checked the balance of her loans in XX/XX/2021 and then never sent payment for the consolidation and they have sat there ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: VA

Complaint narrative:
XXXX2 accounts paid full and closed in XXXX. two previous accounts opened paid in full and closed with the original company. these two accounts are still being reported by transunion on my record. Both accounts have met the 7yr requirement in accordance with the fair credit reporting act. Agency needs to delete accounts from consumer record or provide response on why record its waiting till 10yr mark when its not related to bankruptcy. 
XXXX XXXX current credit card balance and monthly payment are wrong, 60 day delinquency is also wrong. this information is affectively the consumer negatively when being evaluated for banking services XXXX XXXX, account was closed in XXXX paid in full/never late. account has met 7yr requirement to be deleted. agency needs to delete from consumer record or provide reason on why its waiting for 10yr mark when its not related to a bankruptcy XXXX XXXX XXXX XXXX no late payments, monthly payment is {$500.00}. never late XXXX XXXX XXXX. account paid in full and closed. account closed as of XXXX/XXXXXX/XX/XXXX. Consumer requests this record be deleted immediately from the record since 7yr requirement has been met. Agency needs to provide response on why record is waiting for 10yr mark when its unrelated to bankruptcy.

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 2022-02-23 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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020

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 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XX/XX/XXXX 12 times with in XXXX min. 
XX/XX/XXXX 11 times between XXXX XXXX to XXXX XX/XX/XXXX 9 times between XXXX to XXXX XX/XX/XXXX 7 times between XXXX to XXXX XX/XX/XXXX 11 times between XXXX to XXXX This has been a continuous thing for the last several months to where it is disruptive to daily phone calls and daily life while trying to make and receive phone calls. Sometimes this is up to XXXX times a day. 
The name of the company is Portfolio Recovery and XXXX XXXX. IF needed I do have screens shots of this happened as well as having to pay for XXXX XXXX XXXX  call protect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 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: AL

Complaint narrative:
On XXXX XXXX XXXX XXXX the consumer, sent TRANSUNION, XXXX, and XXXX ( The CRAs ) certified mail informing them that XXXX 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 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