vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
I recently opened a near checking account with Discover Bank XXXX early XXXX XXXX and on XX/XX/XXXX, I immediately ACH deposited {$25.00} into it from an already established checking account ( XXXX Bank XXXX. That transaction only took XXXX or XXXX days with funds being available. The system with XXXX bank to a trial ACH transaction of its own on XX/XX/XXXX for XXXX cents and that too was processed in couple days. On Friday, XX/XX/XXXX, I submitted request to ACH transfer {$920.00} from that same other account, XXXX bank. Unfortunately funds are not quickly available for this transaction and a hold is put on it so funds wont be available till XXXX. When I submitted the request, the Discover system said that funds would be available in 2 days. I contacted authorities at Discover and they all are saying the process is systematic and they have no way to take the hold off. They obviously have the funds which was verified by the other bank. The specific rules for Discovery ACH tranactions indicate that they typically XXXX take XXXX to XXXX  days but exceptions to that related to disciplinary issues and if the account is new. That means the system may hold funds for XXXX business days. I find that rule very misleading especially with it not being referenced within system itself when doing it. More so, the prior ACH transfers were complete in XXXX or XXXX days, how would I have known that this one would be XXXX weeks. This situation is very misleading, ambiquous and unfair. 
Immediately, I would like the Federal Reserve XXXX to compel Discover Bank to immediately take the hold off since the situation is not clear and I have urgent bills to pay. 

XXXX XXXX acct # : XXXX XXXX XXXX XXXX XXXX ( cell )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
In XXXX of 2019 my mortgage payment increased by a small amount due to changes in escrow. I was unaware of this change and so I underpaid by about {$280.00}. As soon as Specialized Loan Servicing notified me, I sent in XXXX payments of {$140.00} to cover the difference. This was in XXXX of 2019. I was notified a few months later that my mortgage account was XXXX month behind. I called customer service and when they looked into it they said the XXXX payments of {$140.00} I sent in XXXX had been improperly applied to priniciple rather than to my loan payment. So the original XXXX short ) payment is sitting in an accout somewhere as if I never paid XXXX month. They said they would fix it. They did not. Since that time I have called XXXX times to try to get the money applied properly. Each time they said they would open a ticket to get it fixed. Meanwhile, my credit score has been badly damaged because of this. It looks like I have been a month behind on my mortgage payment since XXXX of 2019. When I called again today they told me there is nothing they can do -- that the money can not be moved back and applied to to my payment.

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 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
MISSING INFORMATION I CANT DISPUTE WAS ISN'T THERE 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 2020-07-29 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express sent a letter numerous months ago, After I advised them I was a victim of identity theft, and that I did not open any accounts with their institution. Stating that I am not liable for these account 's and that they would be deleted from the 4 Credit Bureaus they were reporting to. Later 6 Month 's later to be exact American Express re inserts this account, and re reports this account from XXXX   that I NEVER OPENED Nor received, They send a new letter stating that I made payments from both a XXXX XXXX XXXX checking account and a XXXX  checking account. I have not ever had an account with XXXX XXXX  XXXX, Nor XXXX Bank. These two checking accounts were marked fraudulent many years ago and those banks closed those accounts due to identity theft. Again I have never done business with either of those institutions. Nor do I have accounts with either. So not only is American Express creating false accusations, that they don't even have Facts for or knowledge of. They are inserting false information to the credit bureaus and on my credit report showing a card with a {$500.00} Limit " Closed by Credit Grantor '' I do not have an account with them, nor ever had an account with them. As I have stated. Again, The information they have provided saying payments were made from checking accounts and savings accounts that were ultimately closed due to identity theft. I do not have business with neither XXXX nor XXXX XXXX XXXXXXXX. So Again American Express did not conduct their research very well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have had an American Express ( AMEX ) Platinum Card since XX/XX/XXXX BetweenXX/XX/20-XX/XX/20 over several conversations on a recorder line AMEX repeatedly assured me that if I did the following they would raise my card limit and honor their offer. AMEX stated that if I wanted to raise my monthly card limit I must max out the card to its limit then pay AMEX a large lump sum. However after doing so AMEX actually reduced my limit. Meanwhile because of AMEXs advice my credit score dropped as my debt rose. Now my credit score is lower and AMEX refuses to honor the agreement. When I spoke to AMEX they stated that their formula for credit limitations which is based on several factors to include credit score as well as spending behavior as justification for not keeping their promise. My home re-finance that was to close this week cant be done now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: IL

Complaint narrative:
I recently pulled my credit report and found erroneous, inaccurate, negative, fraudulent, and unverified accounts on my credit report. Because of this its hindering myself from obtaining tradeline in my name. There are several loan accounts with different dollar amounts and information, on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: IL

Complaint narrative:
I recently pulled my credit report and found erroneous, inaccurate, negative, fraudulent, and unverified accounts on my credit report. Because of this its hindering myself from obtaining tradeline in my name. There are several loan accounts with different dollar amounts and information, on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion 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 explanation
Consumer complaint received 2020-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  has not resolved my concern. XXXX is required by California law to mail me the Notice of Intention to Dispose of Motor Vehicle, which based on the tracking number that XXXX provided in the " Notice of Intention to Dispose of Motor Vehicle '', that I am just seeing as of yesterday, XX/XX/2020, it was never delivered to my address. XXXX tracking number XXXX https : /XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXXXXXX XXXX XXXX  This is an alleged debt that I am not claiming.

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 2020-07-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX has not resolved my concern. XXXX is required by California law to mail me the Notice of Intention to Dispose of Motor Vehicle, which based on the tracking number that XXXX provided in the " Notice of Intention to Dispose of Motor Vehicle '', that I am just seeing as of yesterday, XX/XX/2020, it was never delivered to my address. XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an alleged debt that I am not claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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:
XXXX has not resolved my concernXXXX XXXX is required by California law to mail me the Notice of Intention to Dispose of Motor Vehicle, which based on the tracking number that XXXX provided in the " Notice of Intention to Dispose of Motor Vehicle '', that I am just seeing as of yesterday, XX/XX/2020, it was never delivered to my address. XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an alleged debt that I am not claiming.

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 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I've made my payments on time every month since opening this Citi credit card. I make additional payments on this card most months. My credit limit on this card was {$1100.00} and my balance was {$520.00}. Today I received notification that they reduced my credit limit to just {$14.00} over my balance to {$540.00} for absolutely no reason. My credit score has not dropped since opening this account. And I've never skipped a payment or paid my bill late. Now they've dropped my credit limit so close to my balance that when interest is charged on my balance, I'll be over my credit limit and they will charge a fee for being over my limit. Not to mention the huge negative impact this will have to my credit. What this company is doing is unethical and fraudulent.

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 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Funding was placed into my XXXX XXXX account from the SBA. I did ask prior to the funds being deposited if this would be an issue. I was told no by both entities. The funds were deposited and are now being restricted. I provided the EIN and Parent company associated to deposit and was told that they could not verify my company. I asked what system they were using for verification and the agent ( XXXX ) refused to give me that information. Stated that they weren't allowed to share that information. My account has never been attached to any fraudulent activity and all business and personal can be verified.. they also refused to let me speak with a supervisor and would not provide me with any time frame associated with the review they were conducting. I have contractors working on the business as we speak for damages and loss associated with Covid-19. This kind of long term review can stall that and delay my business from reopening. Im looking for some kind of assistance with them releasing the hold so that I can move forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have several credit inquiries I never authorized. I've disputed with the bureaus on several occasions and they refuse to assist me with getting them removed. The accounts are as follows XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXNone of these were done by me or with my consent. I haven't shopped for a car or credit with any of these companies.

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 2020-07-29 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: CA

Complaint narrative:
During 2017, i was XXXX and and my mail and credit data was stolen. I reached out to XXXX and police reports. The account # XXXX ending in XXXX was not removed from Experian and XXXX and was removed from XXXX After nearly 3 years of trying to remove this single item from my reports I contacted XXXX and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. XXXX is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account. 

I XXXX XXXX am submitting this I have enclosed my ID, and address information

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 2020-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient bought my student loans in XX/XX/2019. They did not contact me to let me know they were now my loan servicer. I kept calling my previous provider, XXXX XXXX XXXX, and all they would tell was that my payments had been suspended. I could not get a straight answer. I thought there was an issue with XXXX XXXX so I kept trying to contact them. I finally found out in XXXX that Navient had actually bought my student loans when it showed up on my credit report. They never called, emailed or mailed me any information letting me know they were now my servicer. My credit report isn't even correct. They have me listed as making payments in XXXX, XXXX and then XXXX says I am 90 days delinquent. If they had just contacted me then I would have paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I tried to contact all 3 credit bureaus on XX/XX/2020 to resolve inaccurate accounts on my credit report. As of today I have not received any response back from them.

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 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
MISSING INFORMATION I CANT DISPUTE WAS ISN'T THERE 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 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
MISSING INFORMATION I CANT DISPUTE WAS ISN'T THERE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion 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 explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter to experian, XXXX, and XXXX  about incorrect personal information on my credit report XX/XX/2020 and i still havent recieved a response and by law u have 30 days or it is to be deleted and its been well over 60 days

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 2020-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
None of the options really fit my concern. PNC bank has recently disabled  XXXX wallet  abilities as well as the ability to connect my account to other financial platforms - such as The financial app, XXXX  where I automatically have money pulled from my account to save, the financial app XXXX where I can have money taken out my account to invest and other apps requiring access to transfer money in and out with my approval. 

Ive had these accounts for awhile and then one day pnc just stopped allowing it. This is a life inconvenience and they did not have member approval to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have several credit inquiries I never authorized. I've disputed with the bureaus on several occasions and they refuse to assist me with getting them removed. The accounts are as follows XXXX XXXX XXXX   XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX None of these were done by me or with my consent. I haven't shopped for a car or credit with any of these companies.

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