vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for the XXXX XXXX American Express Card on XX/XX/XXXX and was declined ( Ref : XXXX ). I called them back to find out why this was and they told me that there was derogatory mark on my previous account from XXXX and that they can decline me based on this. However when I checked my credit report this derogatory mark was not on my record so this has to be deceptive practices or discrimination based on previous account that is over 13 years old.  I'm absolutely appalled by the way I have been treated and will never do business with American Express ever again. I will make sure all my family and friends are made aware of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and 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 2019-08-16 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: CA

Complaint narrative:
I opened a savings account with Marcus-Goldman Sachs around three weeks ago. I added my son 's account for recurring debit to my account. A week later I tried to sign in and system said it's locked and I should call a number. After calling and spending 30 minutes, they told me that I can not transfer money from any account that is not under my name!!!! And I was like, so why the system accepted it and didn't warn me?!!!! I already added that account to some of my bill payments and now I had to change it. After talking to the supervisor, it seemed I do not have any choice, so they told me that they deleted my son 's account from system. 
10 days later, XXXX in the morning my son called and told me that they withdraw the money from his account!!! and since he has a payments for that day, I should pay him otherwise there will be returned check fees. 
Although I called Marcus and tried to fix it, my complaint is that their system should have warn me that I can't use that kind of account at the first place. Then, when I called and they forced me to delete the account, it should have stopped any recurring debit related to it. It is against privacy of customers too, since they are holding on to an Information that was deleted and using it to transfer the money. I keep the right to sue the bank and this complaint does not prevent me from doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Smith & Smith Investors LTD
State: NE

Complaint narrative:
Company charged a fee of {$3.00}. This fee was not part of my debt. I paid debt in full for medical bill

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
My dad passed and I contacted the Huntington bank about taking the loan over and they said yes we will transfer the loan to you. While I'm transferring it they decided to charge the loan off ..I 'm sending them money in the mean time not knowing. Finally I find out because of my credit score and the admitted that it was a mistake and just said opps! That's ALL??? I said. WOW

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: MO

Complaint narrative:
I received a general statement to pay my current mortgage servicer, XXXX, on XX/XX/XXXX by the XX/XX/XXXX due date. When I logged in online to make the payment for XXXX on the XXXX ( I have a 15 day grace period ) I received a message that my account was not eligible for a one-time draft payment. I then attempted to call and make my payment over the phone. The automated system was able to locate my account number to give me my past payment information, but when attempting to make a new payment I received a message that my account number was not valid. I was required to call back on Monday XX/XX/XXXX in order to speak to a live representative within their servicing hours. At this point I was informed my loan was " transferred to another department ''. I was given a new number to call and was advised it was a new company servicing my loan, XXXX XXXX XXXX. They informed me I could make my payment to them. I inquired if they were going to send something in writing, as I had not received anything thus far. They stated a letter had been sent to my property address on XX/XX/XXXX. They stated I would not get any late fees for 60 days from the transfer date, which was XX/XX/2019. I declined to make a payment until I receive something in writing. It is now XX/XX/XXXX and I have still not received any information in writing regarding the transfer of my loan to a new service provider. I have checked my mail and email thoroughly, but have not received anything from either the new company or the previous one. Am I not supposed to receive written notification from both parties 15 days before the transfer occurs? I am now outside of the grace period, which has never happened. I am concerned and uncomfortable about the situation and angry at the complete lack of communication I have received in regard to my own financial interest. Why was I given a statement to make a payment to XXXX if they are no longer able to accept my payment? Why have I not received a statement from the new provider XXXX? There has been no communication from my mortgage provider Guaranteed Rate XXXX. XXXX XXXX, XXXX, IL XXXX ( where I am supposed to mail my payments ) There was no letter or statements. I am left in an unconfident state of my loan status due to the lack of communication from either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
As cosigner of three student loans I am unable to be released after submitting the proper paper work.  There have been no late payments on the loans and no credit issues that would prevent release.  Sallie Mae is simply denying release.  They will not even consider one of the three loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
Renasant bank closed my account without cause or contractual authority. I am in receipt of your erroneous letter claiming you are utilizing contractual authority to close my account. We did not sign or agree to the text you quoted in the letter. Your misconduct to bluntly send me a template of a letter to close a CFPB complaint is unethical and unprofessional. 

All calls to myself or my family will be recorded without notice pursuant to GA wiretap laws ( One party consent state ). 

I formally reject your previous letter as reasoning for closing this complaint and condemn you for accusing me of having such a fake agreement with your bank.

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 2019-08-16 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: CA

Complaint narrative:
I have asked both Experian and XXXX the collection Agency Riddled with thousands of complaints to both show me rhe valifity of some debt I dont have any recollection of and I have been gone from the area for 15 years. That is a fact and would expect both agencies to hold to the highest standard of the FCRA and the Fair Debt Collection 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 explanation
Consumer complaint received 2019-08-16 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
Looking at my credit report and checking my loan balances i noticed that all of my student loans through Navient have a 0 % repayment. I have been paying on them for a little over a year now and the loan balances have gone up and not down! How is this even possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: NY

Complaint narrative:
I have submitted disputes for inaccurate information that has been put on my credit report and experian refuses to investigate properly so that the items can be removed. Experian wont reinvestigate although i have advised them some of the accounts are not mine. I have been trying to get these accounts removed for over 6 months.

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 2019-08-16 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: NY

Complaint narrative:
I have submitted disputes for inaccurate information that has been put on my credit report and XXXX refuses to investigate properly so that the items can be removed. XXXX   wont reinvestigate although i have advised them some of the accounts are not mine. I have been trying to get these accounts removed for over 6 months.

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 2019-08-16 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: NY

Complaint narrative:
I have submitted disputes for inaccurate information that has been put on my credit report and XXXX refuses to investigate properly so that the items can be removed. XXXX wont reinvestigate although i have advised them some of the accounts are not mine. I have been trying to get these accounts removed for over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Looking at my credit report and checking my loan balances i noticed that all of my student loans through XXXX have a 0 % repayment. I have been paying on them for a little over a year now and the loan balances have gone up and not down! How is this even possible?

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 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I checked my credit report several months ago and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it multiple times with both the credit bureaus and the company itself and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Between XX/XX/XXXX to XX/XX/XXXX TdBank North, in violation of my request to have Td cash advance taken off the account and alerts being put on, have ignored these requests resulting in excessive overdraft fees to the tune of a total of at leats 5 fees. The issue is not overspending, the issue is the manner in which they process deposits and debits. For instance on XX/XX/XXXX a deposit was made for {$1000.00} resulting in a positive balance but Td Bank north posted a fee after the fact because according to them the transaction occurred before the deposit. Records however, show otherwise. This bank is making hand over fist by setting up their customers for failure by imposing Td Cash Advance which results in a consumer being able to make purchases even if the money is not available to cover it. On or about XX/XX/XXXX i spoke with a representative about this product and instructed them to take it off. I also spoke with another representative shortly thereafter to discuss low balance alerts and instructed them to put it on which never happened. More recently i received notifications that the system was down and i could not log in because they were making software updates. While it is possible that the representative never properly handled the call back in XXXX it is also possible that the alerts were taken off with this software update. After realizing more recently that fees had again incurred due to transactions being paid, i contacted Td Bank to discuss a refund as i was not authorizing the use of this cash advance feature, explained my prior conversations with Td Bank but they were both unwilling to admit fault and are also unwilling to put back the 5 overdraft fees totalling {$170.00}. This is an excessive and unwarranted amount given the circumstances. On XX/XX/XXXX at around XXXX after speaking with a call center representative i asked for a supervisor who was shockingly rude : I made an attempt to reason with XXXX Call center supervisor in New Jersey and she was not only not helpful but made me feel like they were doing me a favor by allowing me to bank with them. When i asked XXXX for her employee id she would not give it to me so i asked for her name and she stated stated that her name is XXXX as in " the brady bunch '' which i interpreted as a racist remark -- it doesn't take much to read between the lines -- how many hispanics are on the brady bunch a 70s show -- this is not only offensive but completely irrelevant. Please contact this institution and obligate them to refund these fees. I greatly appreciate your assistance in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: CA

Complaint narrative:
I have asked both XXXX  and XXXX the collection Agency Riddled with thousands of complaints to both show me rhe valifity of some debt I dont have any recollection of and I have been gone from the area for 15 years. That is a fact and would expect both agencies to hold to the highest standard of the FCRA and the Fair Debt Collection 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 explanation
Consumer complaint received 2019-08-16 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have asked both XXXX  and CRME the collection Agency Riddled with thousands of complaints to both show me rhe valifity of some debt I dont have any recollection of and I have been gone from the area for 15 years. That is a fact and would expect both agencies to hold to the highest standard of the FCRA and the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
They keep calling everyone in my family 's cell phones my house phone 12 times a day plus. claiming there is a warrant for my arrest in XXXX XXXX Delaware a state I have not lived in for 2 years. They keep harassing my family and their cellphones. They say they are process servers but they are not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 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: MA

Complaint narrative:
.experian has errors on my credit report XXXX XXXX   XXXX, reported late XX/XX/XXXX, on a payment plan with XXXX /XXXX XXXX XXXX XXXX, XXXX XXXX XXXX by, XXXX, XXXX  XXXX XXXX is a charge off as of XXXX reporting late payments XX/XX/XXXX, XXXX/XXXX XXXX   shows a balance, paid account off.

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 2019-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
They keep calling everyone in my family 's cell phones my house phone 12 times a day plus. claiming there is a warrant for my arrest in XXXX XXXX Delaware a state I have not lived in for 2 years. They keep harassing my family and their cellphones. They say they are process servers but they are not.

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 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL, INC.
State: NJ

Complaint narrative:
I never owed a debt to XXXX XXXX university. I canceled enrollment way before the refund date and therefore never owed them money. More than a year later I received a call from coast professional to pay the debt which I don't owe. I explained how I didn't owe it to the representative and she agreed to look into it. I never heard back from coast professional after then. Almost 6 months later I received an alert from my credit report saying a derogatory account was added from coast professional. I was given No warning and I was under the impression everything was taken care of. The results have cause credit card to lower limits and raise interest rates. I intend to sue.

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 2019-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: IL

Complaint narrative:
Dated XX/XX/19 I've received letter from MRS Associates in reference to an alleged debt owed to XXXX XXXX in the amount of {$4100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: DC

Complaint narrative:
on XX/XX/XXXX. I resent my FTC ID Theft affidavit, with new information attached to Discover card, both to their Office of Consumer advocacy and their credit reporting department. I sent the package via certified mail to confirm they received it. 

To date, they have refused receipt of the package because the package with the new information requires them to not post ANY information on my credit report. Since they are refusing to take the package via mail, I have to issue this complaint so they can receive it via this platform. 

This is yet another example of Discover Card 's shady and purposefully negligent actions in dealing with their gross failure in security regarding my personal information - assigning a card to someone else.

Company response to consumer: Closed with explanation