vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am a private student loan account holder with Navient. I requested from Navient a detailed student loan payment history that includes the bank accountor at least the last four digits of said accountfrom which my payments to Navient were withdrawn. Navient has refused to provide me with this information.

By way of background, I am in the middle of a process to have my past student loan payments reimbursed. Among other documents, the reimbursing party wants two documents : ( 1 ) the bank statement showing the withdrawn payment; and ( 2 ) my student loan servicers payment history showing acceptance of the payment. All this is to say that they simply want me to demonstrate that I made a student loan payment from my bank account. However, for the payments in question, there are no existing bank statements because these payments that I made to Navient are over 7 years old. According to XXXX XXXXmy personal bank from which these payments were withdrawnthey do not keep bank statements over 7 years old pursuant to federal law. After working tooth-and-nail with XXXX to otherwise obtain these statements, it was clear that the statements do not exist. 

That said, the reimbursing party advised me to find another source of this information, so I called Navient. And indeed, I was advised by Navient that Navient has this information on its end ; this information is not available on my end. To acquire this information, I submitted XXXX requests over 2 months ( XXXX and XX/XX/2023 ) to have produced a more detailed payment history with the bank account information but was ultimately told on my 4th phone call ( dated XX/XX/2023 ) that it is Navients policy to not disclose such information. After going back-and-forth during the 4th phone call, the worker from Navient with whom I spoke instructed me on my options. He advised that I could mail a hardcopy request ( which he admitted would likely be futile ) and/or initiate legal process, i.e., a subpoena. I think it is perfectly ridiculous that I would have to undertake legal process to simply obtain bank account information for payments that I made to a student loan servicer. 

The worker with whom I spoke at Navient during the 4th phone call advised me that the main issue is the risk that a writing with the bank account information will be lost, intercepted, or otherwise possessed by a third party, thereby rendering Navient liable. I made it demonstrably clear how absurd this policy was, given that another Navient worker had advised me orally over the phone which bank account the payments were withdrawn from and that Navient could simply send the information over a secure email or through my account portal. 

That is the gist of my complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act.

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 2023-07-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: CT

Complaint narrative:
Currently in arbitration and should not be reporting on all credit reports. Arbitration case # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: TX

Complaint narrative:
I have attached my credit report to this complaint to show that you are reporting an inaccurate account on my credit report. The account XXXX XXXX XXXX XXXXXXXX is more than 7 years old, and it was transferred to another lender. You are also reporting the XXXX as XX/XX/2020 which is incorrect. XXXX and XXXX removed this account, but your company has failed to do so and ignored my initial dispute letter. I am requesting the removal of this account immediately from my consumer 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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2023-07-28 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: FL

Complaint narrative:
i have sent the documentation several times please resolve the issue asap! this is unacceptable! i have sent the docs over 5 times!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: OH

Complaint narrative:
I sent a letter out on XX/XX/XXXX. XXXX to XXXX, XXXX and Equifax. However, it has been 30 days and the credit bureaus failed to send my investigation back. This makes no sense.

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Because of this stated law, I called each bureau to get an explanation of what happen to my letters and supporting documents.

I spoke with an agent named XXXX  at XXXX  on XXXX  who refused to give me an explanation as to why I had not received a response but admitted they received my letters along with my identification documents. Instead, she said AS OF NOW they would investigate the disputes which she said would take an additional 30 days. I asked to speak to a supervisor who was not able to come to the phone. 

I spoke with an agent at XXXX on XX/XX/XXXX who gave me verbal confirmation that they completed the investigation and that everything was 100 % accurate by having my name, date of birth and address. THIS IS NOT A VALID RESPONSE.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to and how did they verify this information? 

I provided each bureau with a copy of my driver 's license, social security card, a police report, signed affidavit and a copy of my lease. I have been a victim of fraud and they have yet to provide factual information confirming the creditability of these accounts/debts. They have continued to report the wrong name, wrong address, and wrong telephone numbers without verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Loan has stated I was late two payments and it was detriment Delete and remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I purchased a drone in 2020 on XXXX and ended up returning it. I have proof that I returned it and witness ( wife and business partner ). We returned this item valued at {$710.00}. 

Now, me thinking that everyone does the right thing. I never knew until three years later, I don't know if it was an accident they sent me secure messages regarding past disputes or what, but I found out I never got my money back. I opened a dispute many months ago and Paypal has not resolved it. I was working with XXXX XXXX from Paypal. I do not want to let them get away with this. {$710.00} is a lot to let someone get away with. Please help resolve this. 

The other problem is they are bad at record keeping. Ask them to show proof of anything over two years ago. They can't do it. I trusted my money with them and feel betrayed. Whatever their reply, we returned that item through 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 2023-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: USCB, Inc.
State: CA

Complaint narrative:
I just realized XXXX separate transactions from 2020. One is around {$400.00} for my health insurance with XXXX but another one that happens to be the same day was fake. I called and checked with XXXX already that I didnt owe them any debt. Also, the number appear one the statement is a loan company. I paid using the app or web site Im not sure sure Im sure I have no idea how they showed up the same day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP
State: OR

Complaint narrative:
Elan Financial Services is destroying my credit rating- for the past 7 months, I have called 4 times to cancel this credit card. Every time I call- they tell me I can not cancel because they : 1 ) can not take a payment and cancel the card 2 ) can not give me access to the online portal and cancel the account 3 ) give me the cash value of my rewards and cancel the account 4 ) can not give me the cash back rewards as cash. 5 ) can not give me the earned cash back and cancel the card. I have not used the card in 5 months and they continue to charge late fees and report me for late payments even though I continue to ask them to cancel the card. They hang up and send me to the machines. The average call time is over 30 minutes. The people refuse to cancel the card and they refuse to even interact - saying that they don't have access to my account and then put me back through the answering machine. They continue to report delinquent payments on the card and charge me late fees and send me non-payment emails. Always saying that they can not cancel the card - suggesting that I have to wait, and have to be called back ( though never am ). I feel this is a predatory practice and Elan services is not working for their customers.

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 2023-07-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: KS

Complaint narrative:
I deposited approximately XXXX into the savings account during the first few weeks of XX/XX/2023. Upon attempting to withdraw XXXX during the last week of XXXX the bank froze my account. I contacted them over the phone. The bank asked me to verify information via USPS which I did. After receiving the documents they said I would have access to my funds within 7-10 business days. They have a very difficult system for taking calls which causes extremely long wait and transfers. I have since contacted them over XXXX times and each time I am given very little information about where my funds are or why my account was frozen. Its almost as if they are purposely wasting time to delay return of funds. After many calls I was told my account would be force closed for fraud although no exact explanation for this was given. And that my funds would be returned to the original funding source again ( for the XXXX time ) within XXXX business days. I asked the representative exactly what day that would be. The representative who claimed to be a Supervisor stated that would be XX/XX/XXXX XXXX I called the bank on XX/XX/2023 and after many transfers and holds I was asked to allow another XXXX business days to let them research my account. On XX/XX/2023 I called again and was told my funds had gone to Unclaimed Property and the account would need to be reopened in order for my funds to be returned and this would take another XXXX business days. I informed the bank I would report them to the FDIC they took the report number. The FDIC asked me to contact Federal Reserve the XXXX asked me to report to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-07-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
XXXX says that owe them money where I do not the own me money for lying to XXXX XXXX. 
XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA

Complaint narrative:
This company has obtained my personal information from a company without consent of the consumer in order to sell personal private information. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused Financial injury and defamation of character along with 60 days of no response.

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