vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I XXXX XXXX from XXXX XXXX, IL do swear that I am indeed writing & submitting this CFPB complaint by myself on my own behalf. Now I have submitted 4 disputes to TransUnion to have inaccurate items removed from my credit report as well as some unknown things I don't recognize. Now I am filing a complaint with you all ( CFPB ). My last dispute I mailed in was XXXX of XX/XX/2021 and the XXXX dispute XX/XX/XXXX. I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic being a XXXX female and ignoring my request. I feel as though I am being taken advantage of at this point. I am a well educated XXXX woman with her PhD. Now I am demanding that these accounts and items not only be deleted from my TransUnion credit report, but I AM demanding that these accounts/items be deleted immediately or I will be filing for litigation because I know my rights. The insane amount of stress this is causing me is unbelievable. Now my personal information was also apart of that XXXX Data Breach that occurred. I shouldn't be penalized for their mistake. I believe my information may have gotten into the wrong hands.

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 2022-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
Navient is my loan servicer, I am a student currently attending XXXX University. I started my program in XXXX, my student loans are put in deferment while in school. However, I chose to make payments while attending school. From XXXX XXXX to XXXX, I realized there were some discrepancies when the balance amount on my loans were off. I called Navient on XXXX XXXX to advise of the discrepancy, I spoke with a supervisor and she said she saw what happened. She said for some reason the system applied the a higher interest payment to one of my loans than it was supposed too. 

After that the supervisor transferred me to a different team to correct the error. Loan 1 {$2100.00} Loan 2- {$2100.00}. The team member proceeded to tell me she doesnt know how to fix it because its was an interest error. Agent then advised me she will escalate the issue and call be back in two weeks. 

Its has been passed two weeks so I called navient on XX/XX/XXXX and they agent in XXXX was overseas and didnt speak XXXX very well and advised I should have gotten an email with the findings. However, I never received an email. The agent told me that the findings said all payments had been applied correctly, but it wasnt the payment history. It was with the interest payment were the issue lies. 

Since my loan has been sold to navient I have had nothing but issues with my payments getting misapplied and I have to call to every month to fix issues. I am tired of these issues and no one returns calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Asset Agency, Inc.
State: FL

Complaint narrative:
Global Asset Agency added a bogus collection to my XXXX account that is not mines. I did not receive a written communication announcing this debt. I did not receive any written communication citing my dispute rights. I've never heard of the collection agency or the original creditor. I don't even have any voicemails or other communications from this collection agency. I believe that this agency is fraudulently trying to collect money from me for a bogus account by placing this account on my XXXX Credit report without any written or verbal communication, in hopes that I would call and pay something that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: MS

Complaint narrative:
On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: CA

Complaint narrative:
On or about XXXX, I received an auto loan with XXXX XXXX. Due to personal issues, I was forced to file a Chapter XXXX Bankruptcy in Federal Court, and was required to send all monthly payments for the auto loan to the Bankruptcy XXXX, whereby he sent the payments to the creditors listed every month. Approximately, 2 years later, I converted my Bankruptcy into a Chapter XXXX, and I received a Federal Court Order in XXXX, discharging all my debts, and removing any and all liabilities on ever account, including XXXX XXXX XXXX. I made arrangements with XXXX XXXX and returned the car in great condition. The car was a XXXX XXXX XXXX. The blue book value at the time far exceeded what I owed XXXX XXXX. During the years I was paying the Trustee to make my monthly payments as required by the XXXX XXXX, I was later notified that none of my payments were ever applied towards my balance, and after years, my loan balance remained the same. Since the Federal Court Order was issued, XXXX XXXX XXXX has continued to report to the credit agencies that I was delinquent, past due, and states an amount owed. First, I returned the car and XXXX XXXX was able to make money on the sale of the vehicle. Second, XXXX XXXX refuses to advise me of where all my payments went and why they were not applied towards my balance. 
Third, XXXX  XXXX has continued to violate the Federal Court Orders, the Federal Law on reporting requirements after bankruptcy, and violating my rights under FCRA. I no longer own the vehicle and have continued to ask that the XXXX XXXX XXXX account be deleted from my credit report as they are reporting inaccurate information, they are legally required under the XXXX XXXX XXXX to not to report anything negative on my credit report. As a result of their unwillingness to follow the laws, my children and I have been significantly damaged by their illegal negative reporting. I am requesting that XXXX XXXX XXXX be required to follow the laws of the Federal Government and XXXX XXXX XXXX, and due to their illegal actions for years, immediately notify the credit agencies to delete the XXXX XXXX XXXX account from 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 non-monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider : On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness. 

I applied for a card and was denied. Then I called and let them know that there are arbitration provisions in their own agreements that can be considered as additional information of that my credit report isn't indicative of my actual creditworthiness. I told them to consider that and applied again. I was denied again. 

So ... XXXX it. If I can't use it, one of you people who might read this and actually be able to do something with it can. XXXX it. I'm putting all of this XXXX out for the public. XXXX... it. 

It looks like they can't trade your information on new accounts per their privacy policy because probably qualified as a 1031 exchange of real property under the tax code. It's all XXXX. I'll be back after I try another credit card application because XXXX this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: MS

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-01-29 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: MS

Complaint narrative:
On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-29 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: FL

Complaint narrative:
XXXX XXXX XXXX added a bogus collection to my Experian account that is not mines. I did not receive a written communication announcing this debt. I did not receive any written communication citing my dispute rights. I've never heard of the collection agency or the original creditor. I don't even have any voicemails or other communications from this collection agency. I believe that this agency is fraudulently trying to collect money from me for a bogus account by placing this account on my Experian Credit report without any written or verbal communication, in hopes that I would call and pay something that I do not owe. I tried to dispute it online with Experian, but I kept getting the error that's attached on the website and on the app. I had to call Experian Customer Service, and they couldn't tell me why I wasn't able to dispute anything. She told me that she opened a dispute on my behalf, but it appears that they did not do any due diligence, because there is no way this debt is real. I've even googled the company and I can't find their website.

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 2022-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Let me tell you something ... ... 26 USC 761 contains an exemption to not be treated as a partnership for tax purposes if it is availed of for certain reasons. The privacy policy of these financial institutions sounds like one of those reasons.

The IRS regulations basically contain two ways of messing such an exemption - one being that each partner makes an election on a partnership return form. The other way is if, in lieu of making the election on a partnership return, the evidence and circumstances indicate that each partner wanted to elect. Hence these XXXX privacy policies and privacy notice. 

But notice one thing, they give you credit based on ( you guessed it ) your information. You provide them with information and they either deny or provide credit based on that information. And really, they don't give you credit, they just inform you some digits, which is information, which goes back to my earlier complaint about how it's all a1031 exchange of like property ( information exchanged for information ) under 26 usc 1031. 

It's all XXXX. Every bit of it. Now I want to arbitrate but I get denied at every turn so I'm not giving a XXXX. I'm putting all of this XXXX out there. XXXX XXXX XXXX XXXX XXXX XXXX, my lights and water are scheduled to get cut off, and I have an eviction notice. And for what? XXXX this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to TransUnion to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed on the XXXX day of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this pointI.

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 2022-01-29 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: OK

Complaint narrative:
I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was on the XXXX day of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been XXXX XXXX twice stressing over this. It's not fair and federal laws are being broken at this pointI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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:
I XXXX XXXX I do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was on the XXXX of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of XXXX you all are causing me. I've been in hospital twice XXXX over this. It's not fair and federal laws are being broken at this pointI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Hi Sir, I paid for a product and did not receive it. 
I would like to report a suspected fraud seller called XXXX XXXX. 
I arranged the payment to the following Wellsfargo bank account. I do ask Wellsfargo to stop to receive the payment. I hope the bank can return me the money. I can provide any proof needed such conversation /emails records, receipts, the driving license they offered... etc Wellsfargo Name : XXXX XXXX XXXX XXXX : XXXX Rout num : XXXX XXXX XXXX : XXXX Home Address : XXXX XXXX XXXX XXXX XXXX. Utah XXXX Bank Address : XXXX XXXX XXXX XXXX, XXXX, Utah. 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 2022-01-29 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: IL

Complaint narrative:
I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Experian to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was XXXX of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Experian at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been XXXX XXXX  twice stressing over this. It's not fair and federal laws are being broken at this pointI.

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 2022-01-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed chapter XXXX but paid vehical in full, exsperian refuses to add. Exsperian reflects an incorrect high balance, disputed company agreed and exsperian still shows a high balance of more than double than any balance ever put on card. Cost me a more money to get a lower interest rate on a new home loan and prevented me from getting a new credit card. Exsperian will soon be faceing a class action law suit.

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