vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On or about XX/XX/2020, I received notice from XXXX XXXX that my credit score had changed. Nothing had changed about my payment history or accounts, so I logged in, hoping that the fact that my bankruptcy, now about 10 years old, had fallen off of my report and would improve my credit score. Instead, what I found was that there was one solitary change to my credit report, that the bankruptcy had fallen off, and that my score had FALLEN by 44 points with TransUnion, and 34 points with XXXX. There were NO other changes. I called each of the companies to ask why my score would have fallen and fallen SUBSTANTIALLY when the only change to my report was a positive one, the removal of a 10-year-old bankruptcy. Note, my husband 's score, and he shares virtually ALL of our credit history, went up XXXX XXXX points. I do not understand AT ALL. This makes no sense. So I spent hours on the phone calling both of the companies, asking how it could be that the removal of a negative event, flagged as yellow or red on the reports for the high impact it should have had on my credit, should result in the largest drop I've seen in my credit ever. XXXX is sending me a copy of my report so I can review it, but based upon the information in XXXX XXXX, I don't anticipate seeing anything incorrect as to the records, only this completely illogical result in my score. Please help. This should not happen. It's completely unfair and I'm trying to buy a house.

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 2020-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America Online Services provides false information regarding Inbound ACH Transfers. 

Bank Of America 's Online Banking System provides Inbound Transfer Services from other institutions. In the menu for those transactions there is information detailing the monetary limits of this transactions. And It clearly says that the inbound daily limit is XXXX ( See Attachment ). However such a transaction resulted in an error message indicating that the limit was exceeded and that I should contact Tech Support. 

After reaching out to tech support I was told contradictory information by the 6 people that took my case during a 3 hour period. Which shows uneven training on from the organization. Originally I was told that I was not exceeding the limit and that the limit must have been imposed by the other financial institution. Eventually the last representative dismissed me by telling me that the correct information was on Section 5 Subsection B of the Service Agreement ( see attachment ) which showed a daily limit of XXXX. When I challenged the notion with the information on the webpage. And the fact that I had done a similar transaction in the past. I was told that the other information shown on the same webpage was incorrect and the other tech support members who didn't inform me of this were also incorrect. And that she couldn't do anything about it. 

I had made financial decisions based on the information which unfortunately will nullified based on this incident.

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 2020-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
- XX/XX/XXXX I paid the remaining balance of {$350.00} on my account. 
- XX/XX/XXXX I have a credit on my account of {$350.00} due to the promo payback credit offered at the time of opening my account ( 0 % interest if paid full loan amount by XX/XX/XXXX ) - XX/XX/XXXX I called the customer service number ( XXXX ) to inform the company that I still had not received my check from the credit. The representative insisted that the check had been sent and was in the mail, I should receive it in 7-10 business days. 
- XX/XX/XXXX I called to question what happened to the check that was supposed to be mailed to my home address. The representative told me that she was unsure what happened and would put in an investigation to determine what was going on. I was told I would receive a call back within a week. 
- XX/XX/XXXX I call again to figure out what is going on. I was told that the check was sent and cashed on XX/XX/XXXX into a XXXX XXXX account. I let the representative know that I do not have a XXXX XXXX account, nor do any exist in the state of MA. I was told there was a picture of the check with my signature on it. When I asked for the picture to be sent to me via email, I was told that this was not possible but I could receive a copy in the mail in 7-10 business days. 
- As of todays date, I have yet to receive my refund or the image of the check. 
- XX/XX/XXXX The representative told me that there was nothing they could do, and they would not cancel the first check nor send me a new one. I was told that I should file a police report if I thought that someone took the check out of my mailbox. 
- XX/XX/XXXX I call XXXX XXXX myself to try to sort out what happened and report fraudulent activity. I was told that the account number on the check with my signature is an employer account, not a personal checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still 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
Consumer complaint received 2020-11-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On or about XX/XX/2020, I received notice from XXXX XXXX that my credit score had changed. Nothing had changed about my payment history or accounts, so I logged in, hoping that the fact that my bankruptcy, now about 10 years old, had fallen off of my report and would improve my credit score. Instead, what I found was that there was one solitary change to my credit report, that the bankruptcy had fallen off, and that my score had FALLEN by 44 points with XXXX, and 34 points with Equifax. There were NO other changes. I called each of the companies to ask why my score would have fallen and fallen SUBSTANTIALLY when the only change to my report was a positive one, the removal of a 10-year-old bankruptcy. Note, my husband 's score, and he shares virtually ALL of our credit history, went up by 20 points. I do not understand AT ALL. This makes no sense. So I spent hours on the phone calling both of the companies, asking how it could be that the removal of a negative event, flagged as yellow or red on the reports for the high impact it should have had on my credit, should result in the largest drop I've seen in my credit ever. Equifax is sending me a copy of my report so I can review it, but based upon the information in XXXX XXXX, I don't anticipate seeing anything incorrect as to the records, only this completely illogical result in my score. Please help. This should not happen. It's completely unfair and I'm trying to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: GA

Complaint narrative:
RECENTLY OBTAINED CREDIT REPORT AND NOTICED ACCOUNTS I DOD NOT AUTHORIZE

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 2020-11-12 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: GA

Complaint narrative:
RECENTLY OBTAINED CREDIT REPORT AND NOTICED ACCOUNTS I DOD NOT AUTHORIZE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i have disputed these accounts but never got a updated on them being 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 2020-11-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i have disputed these accounts but never got a updated on them being 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 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: VA

Complaint narrative:
XXXX from XXXX calls me back to back if i ignore the phone calls. Also he calls representing XXXX bank from a different company with whom i do not even have a relationship and insists on me " verifying '' my SSN with him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2020-11-12 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: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX  ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : Online In Sv / ONLINE INFORMATION SERVICES , INC . 
Original creditor name : XXXX XXXX  XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
I spoke with XXXX XXXX. He transferred me to his supervisor, XXXX. I explained my situation. I needed the agreement to state when the debt was paid, the company would delete the trade line from my credit. He refused to put this in the letter. He stated their attorneys would not allow this verbiage to be used. No matter how many times I asked, begged and pleaded with him. He refused to add these words to the document. So, if I paid this off, it could still be on my credit and they wouldnt remove it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently sent letters over 60 days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still 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
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I had a mortgage with Bank of America that was paid in full on XX/XX/2020, When we sold and closed on the house. On XX/XX/XXXX I noticed my credit report still showed the active mortgage so I called, they confirmed that they had the money but there was an internal error and it wasnt applied. At that time they said they fixed, 10 days later I still noticed my credit report hadnt updated, called back same response and I had to wait until XX/XX/XXXX for it to show. Around XX/XX/XXXX I did get a refund for my escrow, and a mortgage payment they automatically took out in XXXX XX/XX/XXXX came and the mortgage is still showing and they took out a payment for XXXX! I called again they said that it was showing paid off in XXXX system but not the other one and their escalating it. XX/XX/XXXX, I received and email saying they havent received the last two mortgage payments and to call them to avoid forclosure! 
They said they were going to debit the funds back into my account for XXXX, I havent seen them. 

I need someone to help me! This is absolutely insane at this point!

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 monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
i OPENED AN ACCOUNT NAVY FEDERAL I RECIEVED NMY DEBIT CARDS AND CHECKS AND DEPOSITED MONEY INTO THE ACCOUNT I THEN CALLED TO ACTIVATE MY DEBIT CARD AND WAS TOLD THEY WERE CLOSING MY ACCOUNT FOR FRAUD - AFTER CALLING SEVERAL TIMES HOLDING OVER 2-3 HOURS I WAS TOLD TO TAKE MY DOCUMENTS IN TO THE BRANCH. I GET TO THE BRANCH AND THEY HAVE ROPES OVER THE BANK SO I HAD TO YELL MY REQUEST TO THE TELL AND COULD HEAR WHAT EACH PERSON WAS COMING INTO THE BANK FOR.THEY TOLD ME THEY CAN ONLY TAKE MY DOCUMENTS AND SEND THEM TO THE FRAUD DEPARTMENT. DIDNT TRY TO ASSIST ME REALLY. VI CALL BACK TO THE CUSTOMER SERVICE NUMBER AND THEY TELL ME THE BANK COULD HAVE APPROVED MY DOCUMENTS WHILE I WAS THERE .... ADVISED ME TO WAIT 5 DAYS AND CALL BACK THURSDAY. I CALL TODAY AND THEY TELL ME MY DOCUMENTS WERE SENT TO THE WRONG PLACE AND THEY ARE FORWARDING THEM TODAY. I CALLED AND REQ A SUPERVIOR WHO NEVER APLOGIZED HE HELD THE PHONE COWARDLY AND BESICALLY ACTED AS IF THIS ISNT OF ANY CONCERN TO HIM HIS NAME WAS XXXX - IM SO UPSET BY THIS SERVICE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2020-11-12 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : Phnx Finan / PHOENIX FINANCIAL SERVICES LLC Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 
Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: FL

Complaint narrative:
Netspend sent me a debit Mastercard in the mail with instructions on how to activate the card and set up a direct deposit into the card. I have never heard of Netspend before the mailing arrived, have never used their services, and have absolutely never requested a card 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 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I checked my credit report on XX/XX/XXXX to find that my collective XXXX student loan balance had increased from $ XXXX ( approximate ) to {$24.00} XXXX DOLLARS. I reached out to XXXX who told me that they would resolve it within 7 days. 

I have daily monitoring of my credit report and after checking today I am still seeing that incorrect amount reporting to Experian. This incorrect information will negatively impact my standing with all open lines of credit because it looks like Ive taken on way more than I can afford to pay back, and additionally a very important loan Im going to be applying for in the next few days will never go through because of this incorrect reporting.

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 2020-11-12 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: Exeter Finance, LLC.
State: VA

Complaint narrative:
On XX/XX/2020 I received a payoff quote from Exeter for my automobile and I used it to refinance the car with XXXX XXXX. My XX/XX/2020 Auto payment was due on XX/XX/2020 & XXXX told me car would be paid off by XX/XX/XXXX. 

On XX/XX/XXXX I contacted Exeter because the payment from Ally looked like it had still not been processed by Exeter & I did not know if sending a payment would interfere with that process, but I knew I was approaching 30 days late - I didn't know if I was still being held to that due date or if they were aware I had refinanced and they were processing the payoff already. I was unsure of what I needed to do. The representative I spoke to advised me she would place an extension on the account and as long as they received it by the end of XXXX, I would not receive a delinquency. 

Between XX/XX/XXXX and XX/XX/XXXX I Continued to receive collection calls from Exeter and on XX/XX/XXXX I called Exeter again and spoke with another representative. I explained the situation again and asked again if I needed to send a payment. The representative again said they would notate the account. 

The account was paid off in full on XX/XX/XXXX, but then the first week of XXXX I received notification that I was reported 30 days late for my XXXX payment by Exeter. I called Exeter on XX/XX/XXXX to dispute this with them, because surely this must be a mistake since I asked them how to handle this before I was 30 days late and they told me I would not be marked late if they received payment from Ally by XX/XX/XXXX and they received payment from Ally on XX/XX/XXXX. Exeter opened a dispute and I just received the results and they reported to me that they found they reported the 30 days late correctly. 

This is absolutely egregious. Exeter is a sub-prime auto finance company and I accepted them as my lender after a bankruptcy with the intention of working towards refinance. I worked hard for many months by paying on time to rebuild my credit and be able to refinance with a different company at a better rate, only for them to ding me as 30 days late after they told me how to handle my payoff payment with my new lender. That is absolutely unfair. Now when I attempt to purchase a house I will have a recent 30 day late on my credit that is inaccurate. I need this removed - it is absolutely incorrect and unfair. 

Exeter 's phone number is XXXX. I have attached our XXXX cell phone records that reflect the calls I made to exeter on XX/XX/XXXX from my husband 's cellphone XXXX and on XX/XX/XXXX from my cellphone XXXX. Had the representative that I talked to on XX/XX/XXXX at Exeter properly put in my payment extension OR properly notified me to make a payment despite the pending payoff, this situation would have been avoided.

Company response to consumer: Closed with explanation