vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-04 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: TX

Complaint narrative:
I attempted to dispute this with the credit bureau, Transunion. However, their website continues to prevent me for submitting a dispute. I was logged into my account. It has stated that for 2 days. 

I submitted loan discharge paperwork to XXXX. The debt with XXXX qualifies to be deleted and discharged due to the qualifying event provided in the paperwork. The department of education advised me to file this paperwork based on the qualifying event. This tradeline needs to be deleted.

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 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This company decided to close my account after I have consistently paid my bill since I opened this account. I feel that this is not fair because I opened this account to build credit when I had almost an 800 credit score. I never once missed a payment and now they are closing my account after I took a credit dip for opening this account and utilizing it. This is unfair, especially since at no time did they ever reach out to me to discuss this matter. If this is how they want to conduct business then it should not reflect poorly on me when I was consistent with this establishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Some of my personal information is incorrect and needs to be corrected. I was a victim of fraud and still living the nightmare.

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 2018-04-04 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: MO

Complaint narrative:
I have multiple inquiries on my report all dated XXXX-18, inwhich I don't have any knowledge of, and according to the law of the FCRA if this is not met with tangible documentation then said accounts and/ or inquiries shall be removed.

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 2018-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Gm Financial continued to call me after informed them several times in XX/XX/XXXX and XX/XX/XXXX that I am victim of XXXX XXXX, and I am XXXX. They violated my safety when they called my ex who the restraining order is issued against providing him with my address and asking him if he has seen the car, spoke to me and GM representatives asked him to contact me. I informed GM via email to NOT contact my ex I have restraining order against him and they still continued to contact him. They violated my safety, health and well being of my XXXX minor children.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Manhattan Beach Venture, LLC
State: CA

Complaint narrative:
When the initial agreement for the enrollment of school, the information that was provided during the application was vague.This instantance occurred onXX/XX/2008. When the school went out of business I was not informed of the changes of the program and as to where will the payment will be completed. My account was subsidized for the period of graduation until 6 more months. Once I started my employment there was no information of the changes. Started to see online that there was ways of canceling out my debt but did not follow. Tried to reach the financial institution that now owned the loan but did not obtain no accurate information of what happened and how could I continue to make payment to my loan.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-04 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have multiple inquiries on my report all datedXX/XX/XXXX, inwhich I don't have any knowledge of, and according to the law of the FCRA if this is not met with tangible documentation then said accounts and/ or inquiries shall be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: MO

Complaint narrative:
I have multiple inquiries on my report all dated XX/XX/XXXX, inwhich I don't have any knowledge of, and according to the law of the FCRA if this is not met with tangible documentation then said accounts and/ or inquiries shall be removed.

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 2018-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
onXX/XX/XXXX I made a online payment in the amount of= {$740.00} to Santander consumer, usa through there online website through there XXXX XXXX payment online option, received a confirmation # XXXX, that the payment was received through my visa debit card, this amount was the remaining balance of my car loan paid-in-full, my online acct with Santander consumer. usa stated that my loan was paid and closed onXX/XX/XXXX, approx., 2-3 days after I received an e-mail from Santander consumer, usa stated that iowed them {$730.00} I called Santander consumer onXX/XX/XXXX concerning the payment, the claim they did not receive the payment, I stated to them I had proof it was sent to them through their XXXX XXXX online payment option. which I have been using to pay my car payment ever since I had the loan in XX/XX/XXXX and the never claim they had any problem receiving my payment up until now when I sent them the last payment of the loan, they requested a copy of my bank statement showing proof that the money was taking out of my checking acct I fax the copy to them onXX/XX/XXXX, the banking statement indicated that the money was taken out of my checking acct onXX/XX/XXXX -atm w/d # XXXX XXXX -Santander consumer, usa, I call them that same day I sent a copy of my proof of bank statement to see if they had receive it, they stated that they did receive the bank statement, for me to call back in 3 business days, I called them back on XX/XX/XXXX, they stated that they was still looking into the matter, all I have been getting from these people/company is the run around, I have all my proof that the money was sent to them and they did receive it, but they are doing something illegal, to try and keep my money payment, they even sent me a refund check and a Release of Lien paper, along with a Maryland notice of security Interest filing , whatever that is it looks like a title Document, but it states on the document that it is not a title, these company have scam so many customers out of money, that I can't understand why they are still in Business, i'm out of $ XXXX they just stole from me, but they are not going to get away with this. this company needs to be investigated thoroughly, how can they just take customer money and keep getting away with it, they have to be stopped and held accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the evening of XX/XX/XXXX about XXXX XXXX. I tried to open a savings account with my current bank of 8 months -- Bank of America. The account was approved and I XXXX from BOA of XXXX tried to transfer XXXX from my XXXX XXXX XXXX XXXX debit card. He informed me that the transaction would not go through because BOA doesn't like or take that type of card from that institution. I've never run into this type of problem with my XXXX XXXX debit card before. XXXX told me he would not be taking any money and for me to take that particular debit card into a BOA branch and take the {$400.00} off the card and deposit it into the new savings account ending in XXXX. 

What happened next is XXXX ( XXXX ) debited my card for the {$40000.00} and took it out of my account. The money is sitting in limbo. XXXX will not give it back with out BOA writing a letter with 7 specific identified like, transaction #, etc. I worked on this problem 8 hours today to reclaim the money. XXXX, BOA, Relationship Manager said " They Don't do that '' ... have a procedure for this mishap. He was rude and obnoxious and displayed that he didn't care, I am a XXXX ( I have been recently receiving urgent medical and I'm just worn out -- -I  did nothing wrong! ), minority, senior on Social Security. I have no more money for the rest of the month. I really need your help! Both banks need to be investigated for their abuse of clients and their money.

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 2018-04-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
The servicing of my private students loans ( originally acquired through XXXX and then transferred to XXXX and now very recently to Navient ) has left me confused. I'm currently a PhD student. One of my loans was in in-school deferment at the time it was transferred to Navient. Although their FAQ says they will not change the status of a loan from deferment to repayment upon transfer, they did exactly that. I reached out through email about 3 weeks ago, and I have yet to receive a response. They emailed me back, noting that my email was received ( and that they would respond as soon as possible ), but they have not responded. I prefer contact through writing, not to be difficult, but so that I have a record of what is being discussed ( protecting my rights ), as phone conversations alone can not be trusted. It seems to be exceedingly difficult to contact through means other than phone ( and even that is not guaranteed ). Also, no info was provided about the changing status of my loan from deferment to active (? ). Customer service is inept, confusing, and threatening. The constant juggling of my loans from one servicer to another is hard to follow. Please act on this and help many borrowers, including myself, as we deal with these issues on a daily basis ... simply trying to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: GA

Complaint narrative:
The Tax lien is incorrect please remove. 
XXXX Recorder of Deeds Date FiledXX/XX/2010 Type Release of tax lien Reference XXXX Plaintiff STATE OF GEORGIA

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 2018-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I paid a debt in full to the law offices of Patenaude & Felix on XX/XX/XXXX The case was dismissed on XX/XX/XXXX. On XX/XX/XXXX a process sever went to my fathers house to server a summons. The process sever was told that I live in XXXX. The process server returned 2 days later and again my father told him i live in XXXX. The process server left the summons on the porch. this is 3 weeks after the case was dismissed The process server violated my privacy by leaving the summons with my father at his address in XXXX. The process server made no attempt to contact me by phone or at my home in XXXX. After I picked up the summons from my father 30 miles away in XXXX I called the process server. I asked why am i receiving this when the case was dismissed 3 weeks ago He said that He only received the paperwork about a week ago. This would have been after the case was dismissed. This legal firm and process sever caused my father a great amount off stress becase he did not know why there was a lawsuit for 5 days. It caused me 5 days of anxiety and stress of sending 7 emails to XXXX XXXX before responded to my email. XXXX XXXX has placed 100 % of the blame on the process server. To me it does not matter who is to blame, the process server, the law firm or XXXX XXXX. someone need to pay for violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: KS

Complaint narrative:
I have contacted them by telephone and submitted several times of disputes on credit report exsplain I was a victim of idienty theft before the hard inquiry was removed from my credit report but the collection still remains and the XXXX XXXX is a debt collector agency and has not yet contact me with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I paid a debt in full to the law offices of Patenaude & Felix on XX/XX/XXXX The case was dismissed on XX/XX/XXXX. OnXX/XX/XXXX a process sever went to my fathers house to server a summons. The process sever was told that I live in XXXX. The process server returned 2 days later and again my father told him i live in XXXX. The process server left the summons on the porch. this is 3 weeks after the case was dismissed The process server violated my privacy by leaving the summons with my father at his address in XXXX. The process server made no attempt to contact me by phone or at my home in XXXX. After I picked up the summons from my father XXXX miles away in XXXX I called the process server. I asked why am i receiving this when the case was dismissed 3 weeks ago He said that He only received the paperwork about a week ago. This would have been after the case was dismissed. This legal firm and process sever caused my father a great amount off stress becase he did not know why there was a lawsuit for 5 days. It caused me 5 days of anxiety and stress of sending 7 emails to XXXX XXXX before responded to my email. XXXX XXXX has placed 100 % of the blame on the process server. To me it does not matter who is to blame, the process server, the law firm or XXXX XXXX. someone need to pay for violating my rights, for serving a summons for lawsuit that was dismissed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: MiraMed Revenue Group LLC
State: IN

Complaint narrative:
I called the number listed on my credit report for Miramed XXXX XXXX numerous times ; however, I still have not received any correspondence regarding the alleged debt. The fifth or sixth time I called a lady offered me a tax deal where If I paid one lump sum that they would write off the remainder of the debt but she couldnt tell me anything about what the debt is for. I have never had a contract with Miramed and believe they made an error that is greatly affecting my credit. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I got a loan from speedy cash for a {$150.00} dollars, but wasn't able to pay it back. So they took money from XXXX XXXX XXXX card without my approval. So I call speedy cash and told them I didn't give permission to take my money. I only get {$770.00} per month. And I wasn't able to pay my rent. I call XXXX XXXX about 20 time and never talk to no one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am having issues with my credit report, XXXX XXXX XXXX will not show as closed on my account or the credit agencies wont report it correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Chase Bank arbitrarily closed three credit card accounts that were paid timely, often in advance, stating they were over credit limits and had received numerous inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is reporting an account as open when it was paid in full inXX/XX/2016.

In addition, they are reporting this account as 1.Factoring account 2. Updating it monthly 3. Reporting an open date, I signed no contract.

4. Reported after full payment on account 5. Refuse to close account after several disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is reporting erroneously that this account is open. 
I have no open account with Portfolio Recovery. 
I have no contract with Portfolio What is a factoring account? 
I have disputed and it has come back verified. 

I wrote to the BBB of Virginia on XX/XX/2018 and has been assigned case # XXXX The BBB response was as follows : " We have reviewed your complaint and see it is outside the realm of assistance provided through BBB. However, in order to be of some assistance, BBB has forwarded a copy of your complaint to the company. BBB did not request a response from the company, therefore, no further action will be taken by BBB and has closed your file. '' What??????!!!!! 

So, I paid them, and my account shows open and reporting, hurting my credit, and the BBB refused to help me and is useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
I had to withdraw from the XXXX because it was a bad storm at the time and couldn't turn my work in because all of the power been off and then I been passing all my classes so I wouldn't just up and quit for nthing and i really had wanted to finish I called and had to leave my name to another advisor because at the time I couldn't get in touch with mines and this account is holding me and my family back from purchasing an house they're charging me XXXX for nothing

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 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Chase Bank arbitrarily closed three credit card accounts that were being serviced on a timely and often, early payment, basis. I received three letters stating the accounts in question were possibly affected by numerous inquiries? - balances high compared to credit limits? - closed at banks request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My account was inaccurate an amount of XXXX was borrowed, for the XX/XX/XXXX-XX/XX/XXXX academic year yet ; certain amounts haven't been applied correctly, plus I need to continue to manage my own money. They've taken the authorization for granted ; especially being that had given non. I've received small checks when there was no enrollment, my tuition amounts keeps a flip flopping, and they keep charging me when it's already been paid for. And there was an approved XXXX dollar scholarship leaving me, with a " supposed '' debt XXXX what kind of institution does that?

Company response to consumer: Closed with explanation