vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
For years, I have attempted to make payments thinking this loan was tied to my XXXX XXXX After a caring representative clarified my concerns she answered all my questions and provided me with a copy of the check Navient claimed I have cashed. For years prior, I was told they couldnt provide me with information regarding the application. 
Once the copy was sent to me, as expected this check was falsely endorsed with my name and cashed into an account I never had! 
So for 9 years and an interest rate doubling the loan, I have slaved in order to keep my credit subpar and pay for a {$19000.00} check I never cashed! Not to mention the discriminatory remarks made by agents during a pandemic. Navient has to be one of the worst student loan shark in the nation! After I completed this investigation on my own accord, I have called Navient repeatedly- as they have done to me and my poor grandmother in order to request Navient to complete an investigation and confirm my findings. Again, the wonderful, cheerful representatives left me on hold for upwards 45 minutes to only hang up on me, or respond with- well lets see what reduced payment options you qualify for. 
Please tell me who wants to pay {$42000.00} for a {$19000.00} check they never cashed? 
These are the events in life, where someone doing there all to make it, can literally break emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: CA

Complaint narrative:
I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

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 2021-06-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Applied for a XXXX XXXX XXXX XXXX XXXX. However Card Denied. reasons : 1. Serious delinquency, and public record or collection filed-Provide proof? 

2. Number of accounts with delinquency- Provide account names? 

3. Time since delinquency is too recent or unknown- Provide time and dates : 4. Length of time accounts have been established- Provide length time names? 

Please provide insufficient requested information as stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
applied online for Discover It student card. 

Denied reason : No credit record available. 

None used. 

It reads on the back of letter some thing is not right and or accurate. 

For a free copy of your credit bureau report contact : It's blank no credit bureau is listed or printed. Something is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: SC

Complaint narrative:
I have sent letters to Transunion, XXXX, and XXXX asking them to remove the account XXXX XXXX XXXX # XXXX from my credit report because this account is Deficient of Physically Verified Validation. XXXX XXXX XXXX is in violation of the FDCPA U.S. Code 15 USC 1692e 807 False or misleading representations, and U.S. Code 15 USC 1692g section 809 Notice of debt ; contents. XXXX XXXX  is trying to collect a debt on behalf of XXXX for the amount of {$1300.00} that i do not owe. It's reporting on all three of my credit reports as a collection account. Account # XXXX. I notified XXXX XXXX in writing that i was disputing the debt and to please send me a validation of debt per FDCPA section 809 ; Please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is their authorization of law for your collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Please evidence their authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. They have yet provided this information which is in violation of the FDCPA. Transunion, XXXX, and XXXX have yet to remove this account from my consumer report which is a violation of the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Their failure to positively verify the account Enhanced Recovery Account # XXXX has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.

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 2021-06-03 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: TX

Complaint narrative:
I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

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 2021-06-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Unknown hard inquiry on my transition XX/XX/2021 Ml 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 2021-06-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have sent letters to XXXX, Equifax, and XXXX asking them to remove the account XXXX XXXX Account # XXXX from my credit report because this account is Deficient of Physically Verified Validation. XXXX XXXX XXXX is in violation of the FDCPA U.S. Code 15 USC 1692e 807 False or misleading representations, and U.S. Code 15 USC 1692g section 809 Notice of debt ; contents. XXXX XXXX is trying to collect a debt on behalf of XXXX for the amount of {$1300.00} that i do not owe. It's reporting on all three of my credit reports as a collection account. Account # XXXX. I notified XXXX XXXX in writing that i was disputing the debt and to please send me a validation of debt per FDCPA section 809 ; Please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is their authorization of law for your collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Please evidence their authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. They have yet provided this information which is in violation of the FDCPA. XXXX, Equifax, and XXXX have yet to remove this account from my consumer report which is a violation of the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Their failure to positively verify the account XXXX XXXX Account # XXXX has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: SC

Complaint narrative:
I have sent letters to XXXX XXXX, and Experian asking them to remove the account XXXX XXXX Account # XXXX from my credit report because this account is Deficient of Physically Verified Validation. XXXX XXXX XXXX is in violation of the FDCPA U.S. Code 15 USC 1692e 807 False or misleading representations, and U.S. Code 15 USC 1692g section 809 Notice of debt ; contents. XXXX XXXX is trying to collect a debt on behalf of XXXX for the amount of {$1300.00} that i do not owe. It's reporting on all three of my credit reports as a collection account. Account # XXXX. I notified XXXX XXXX in writing that i was disputing the debt and to please send me a validation of debt per FDCPA section 809 ; Please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is their authorization of law for your collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Please evidence their authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. They have yet provided this information which is in violation of the FDCPA. XXXX XXXX, and Experian have yet to remove this account from my consumer report which is a violation of the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Their failure to positively verify the account XXXX XXXX Account # XXXX has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.

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 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I received an email stating i applied for a card from verizon.

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 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX, I had a balance of XXXX} on Citi card account ending in XXXX. The 0 % interest offer was set to end XXXX XXXX XXXX, 2021, I took out a 0 % XXXX card to transfer the amount which included a three % transfer fee. On XX/XX/XXXX, I was told by XXXX  that the transfer could not occur for 8 to 10 days, which was past the 0 % date for Citi card. I did not want to pay accrued interest on Citi card so I transferred {XXXX} from my HELOC with XXXX XXXX XXXX XXXX XXXX and paid it off on or about XXXX. I contacted XXXX and requested a cancellation of the transfer but they said they couldn't cancel the request and the actual transfer went through on XX/XX/XXXX. I now have a credit balance of {XXXX} with Citi card. I requested on XX/XX/XXXX that this be returned to my bank. I was told it would take 2-3 working days to return the funds. On XXXX first I called Citi card and was told it would take 7 days to return the funds. On XX/XX/XXXX I called Citi card and was told it would take 7-14 days to return the funds. 

The funds have cleared my bank. There is no legitimate reason for Citicard to hold my money. It can be returned to my account with the push of a button. They are getting interest on my XXXX} and I am paying interest on it. Please help expedite the return of my money. 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 2021-06-03 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: Lending Club Corp
State: FL

Complaint narrative:
I have an issue with Lending Club institution. 
They have been reporting missing payments since XX/XX/2020. I have a proof of all automated payments from my bank. I provided to them, but they did not even respond. 
I called them and spoke to one of the managers and he said there is nothing they can do. 
I just wanted them to correct reports and fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have additional documents to upload for my previous complaint with wells fargo,, I was treated unfairly and poorly over and over again they promised me they would not close my account. All the calls are recorded and monitored all the specialist in the executive office told me they were giving me a permanent provisional credit on the cancelled airline ticket that I had purchased and cancelled they told me that I would have no problems they lied to me and wrongfully and unethically closed my account after they did a full investigation they put funds in my account then went behind my back and took the money out my account again after they gave there word to not worry and that every thing would be okay, later they come with a crazy excuse that I have to take it up with XXXX they were totally harassing my integrity my human being and my mental state I want justice on this matter I have been calling wells Fargo for justice for 2years on this matter I have called over dozens of times, some of the agents have hang up on me and then some of them have email me telling me they will help me resolve this matter and to this day no one has called to help me on this. No help was done they will type emails send letters promising to help, promising a resolution for months then months turned into 2 years and not giving one it is abuse this company has mentally and emotionally abuse me since XXXX  I been facing abuse and unfair treatment

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 2021-06-03 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: AZ

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2021-06-03 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: AZ

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation