vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 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: WV

Complaint narrative:
Between XXXX XXXXXXXX, XXXX, Trans Union and various online credit reporting, including XXXX XXXX and XXXX XXXX, I have somehow been robbed of {$300.00} and also had my credit score mysteriously and needlessly PLUMMET over 50 pts in less than a year! 

What the heck is going on? I have been so SEVERELY dismissed, disrespected and argued with by XXXX and XXXX XXXX reps, that I literally had to end the conversation with them after at least an HOUR of arguing with them back and forth over the phone. 

Someone is STEALING from me, and the money itself would be bad enough, but the CREDIT is possibly even more consequential. 

After DIGGING into my XXXX XXXXXXXX account I was actually able to prove, after ARGUING, MULTIPLE times with MULTIPLE XXXX reps that they were indeed in ERROR and fraudently charging my account. But even after ALL of this I was STILL put on the defensive as to any worse charges than a ONE time {$6.00} amount. 

You know ... remedying and getting my money back aside, how do I JUST get the 'bleeding ' of my credit score plummetting to stop??? 

THANK YOU, XXXX XXXX XXXX, WV 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 explanation
Consumer complaint received 2020-08-06 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: IN

Complaint narrative:
On XXXX I checked my credit report and notice I had a inquiry on my credit report that I did not authorized or recognize. The inquiry was from a company name XXXX XXXX inquiry date was on XX/XX/2020 there address XXXX XXXX XXXX XXXX, MD XXXX Phone XXXX toll free XXXX. On XX/XX/2020 I contact Equifax to dispute the this inquiry and ask it to be removed off my credit report. Equifax stated they could not remove and to call XXXX XXXX. I call XXXX XXXX and XXXX XXXX told me to call Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: FL

Complaint narrative:
Experian reports an account under the name ( XXXX XXXX ) inaccurately. 

Wrong name & address a violation of FCRA rules section 1681 Inaccurate account balance, a violation of FCRA rules Inconsistent reporting with the two major reporting agencies, a violation of FCRA rules Inaccurate payment history, a violation Misleading date of last activity, a violation Inaccurate date of last payment, a violation of FCRA rules.

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 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I initiated an online deposit of $ XXXX on XX/XX/20 from another bank 's checking account to the Bank Of America account where we do bill pay from via online banking. After receiving confirmation from the bank that the funds will be available for payment the following day on XX/XX/20, I initiated a bill pay of {$9500.00} for a XXXX credit card bill for XX/XX/20. The XXXX XXXX payment was not due on XX/XX/20 but I like to make my payments several days in advance to ensure that payments are credited by the due date. 

When I went online to the Bank of America account tonight to confirm all the transactions, the status of the deposit was changed to a HOLD until XX/XX/20. At the same time, Bank of America changed the status of the bill pay from scheduled for payment on XX/XX/20 to " in processing ''. I immediately called Bank of America to either delay the bill pay so that it will go out after the funds became available at a later date of XX/XX/20. I was told that because the bill pay was done via online banking and was in process, they couldn't do anything. 

Bank of America couldn't properly explain why they put a hold on the check, aside from some excuse about there were exceptions at times because of large amounts. When I asked to speak to the manager,  XXXX who came on the line as the manager appeared to do some checking, told me that he couldn't do anything with regard to Bill Pay as that was a separate department, immediately forwarded my call to the Bill pay department, whose agent told me that she couldn't do anything because the payment was in process. I told her I wanted to cancel the scheduled bill payment as it wasn't suppose to go out until XX/XX/20. She indicated that because it was in process on XX/XX/XXXX, there was nothing that she can do. I was advised to callXX/XX/XXXXand tell them to return the money that B of A was sending which would have triggered me paying a fee to do so. 

Bottom line, Bank of America left me with zero options but left themselves with the ability to trigger late and return fees. All under the excuse that because all the transactions were completed via Online Banking, they could not do anything to either stop or change the transactions. This was not the first time that they performed this insidious type of financial shenanigan in my account. However, this time, was the last straw. 

I am filing this complaint because I'm sure I am not the only person that this type of criminal action has been taken against. I have taken screen shots of the data as it transpired in the Bank of America 's Online banking APP.

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 2020-08-06 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: MS

Complaint narrative:
I have collection that is reporting on my credit report that I have been trying to have removed from my credit report. I looked and according to Mississippi ( my state of residence ) statue of collection limtation time it is 3 years, and the last reported date on my credit report is XX/XX/XXXX. Every time I sent my dispute request to the credit bureaus the last time being on XX/XX/XXXX, it is coming back verified by XXXX how can that be if no one has reported on it since XX/XX/XXXX, way over 3 years time limit of collections for Misssissipi. I desire to have this removed from my credit report immediately for a violation.

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 2020-08-06 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: MS

Complaint narrative:
I have collection that is reporting on my credit report that I have been trying to have removed from my credit report. I looked and according to Mississippi ( my state of residence ) statue of collection limtation time it is 3 years, and the last reported date on my credit report is XX/XX/XXXX. Every time I sent my dispute request to the credit bureaus the last time being on XX/XX/XXXX, it is coming back verified by XXXX how can that be if no one has reported on it since XX/XX/XXXX, way over 3 years time limit of collections for Misssissipi. I desire to have this removed from my credit report immediately for a violation.

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 2020-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Between Capital One, XXXX, XXXX XXXX and various online credit reporting, including XXXX XXXX and XXXX XXXX, I have somehow been robbed of {$300.00} and also had my credit score mysteriously and needlessly PLUMMET over 50 pts in less than a year!

What the heck is going on? I have been so SEVERELY dismissed, disrespected and argued with by XXXX and Capital One reps, that I literally had to end the conversation with them after at least an HOUR of arguing with them back and forth over the phone. 

Someone is STEALING from me, and the money itself would be bad enough, but the CREDIT is possibly even more consequential. 

After DIGGING into my Capital One account I was actually able to prove, after ARGUING, MULTIPLE times with MULTIPLE XXXX reps that they were indeed in ERROR and fraudently charging my account. But even after ALL of this I was STILL put on the defensive as to any worse charges than a ONE time {$6.00} amount.

You know ... remedying and getting my money back aside, how do I JUST get the 'bleeding ' of my credit score plummetting to stop??? 

THANK YOU, XXXX XXXX XXXX, WV XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I took out a loan in XXXX which was sold to XXXX XXXX and apparently paid off in XXXX. This new servicing company called Select Portfolio Servicing , Inc. ( SPS ) is again attempting to collect on a paid off loan. I have sent them the attached information and they have failed to reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I tried disputing late payments on my credit report several times because they are inconsistent between all three credit reports which is a violation of the FCRA. I do not feel that i should be held liable for errors on behalf of Capital One. I have attached a screenshot of my credit report showing the violations of Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nemovi Law Group
State: CA

Complaint narrative:
I spoke with XXXX XXXX office and they told me to contact you. ASAP I'm currently update to date on 1st Mortgage payment.. THIS IS ONLY ON THE 2ND MORTGAGE PAYMENT On the 2nd Mortgage payment this place is : NEMOVI LAW GROUP @ XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX PH XXXX KEEP harnessing me!!! They keep CALLING ME AND SENDING THREATEN LETTER THAT THEY WILL TAKE MY HOUSE, im a senior and XXXX years old, and my health is not good. There TRYING to FORECLOSURE ON ME. I NEED YOUR HELP IN THIS MATTER. I DID try to pay them but in XX/XX/XXXX everything went upside, and my wife had XXXX this is the XXXX Mortgage fell behind and I did make a few payment. Now today I received a letter date XX/XX/XXXX, they are threaten ne m since this Conv-19 have been going on, my funds are really low and very hard for me, I'm now XXXX years l old and on a fix income of {$900.00}. I'm asking if you can contact the place that took over for XXXX XXXX and have them to write it off and STOP with all the threaten letter and calls. Possible able to W/O to excuse this loan was back in XXXX XXXX XXXX had it back XX/XX/XXXX-XX/XX/XXXX, they closed down and the company is NO LONGER in business and XXXX XXXX XXXX took over the 1st mortgage, but they did NOT take the 2nd Mortgage. Thank you so much look forward to hearing from you soon XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been unable to access the portal to transfer money out of my account for 20+ days. I have emailed and called many times, and they just keep saying the fraud department is " looking into it ''. This is too long to have my money being held up. I have asked to speak with managers and supervisors, and nobody can do anything. They just transfer me around and blame it on other people within the company. They are threatening to charge me {$50.00} to close my account at this point when I don't even have access to my funds unless I close it. The only fraud that is going on is with BMO Harris 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 2020-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Was not notified of status of the debt, to be able to try to resolve, until it impacted my credit report, and had to reach out to Find out what the debt was for. When I was made awear of the debt I call to resolve it. If I could have been aware of the debt initially I clod have been able to resolve it prior to it impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The Company National Credits Systems has been trying to collect {$4000.00} from me. A debt they purchased from XXXX XXXX XXXX, which was a Civil judgement In the amount of {$970.00} that I actually owe due to unpaid rent. They havent given me any information on how they came to the amount when I have actual copies of the judgment against me. I just want the correct amount reported before I settle with any and all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Those accounts are listed in the attachment below resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — Other type of mortgage
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: CA

Complaint narrative:
My credit card that had the automatic payment taken for my timeshare payment was hacked so I had to cancel that credit card. When I called to advise XXXX that I had to cancel that credit card and give them a new one they said they had to mail me the authorization form. They told me that the only way to receive the form was through the mail due to they needed a live signature. I made the payment over the phone and they mailed me the form. I called several times for the form because I didn't receive it. They said that they had mailed it and would mail another one. I made the payment via the phone. I finally received the form in the mail, completed it and sent it in. I am now again on auto pay. Every time I spoke the customer rep they assured me that I was not in danger of having a negative rating on my credit report. I asked them over and over again and they said no because they had my payment that I called in. When I went to refinance my mortgage on my home I was shocked that I had a 30 day late on my XXXX timeshare which is considered a mortgage payment and is a huge deduction of points on my credit report. This has been detrimental to my credit rating for me and my XXXX kids. I pride myself on having great credit and this has again devastated my FICO score. I am having to beg with a lender to approve me for a loan to refinance my home. The pricing that I am being offered is extremely high and the rate is very high as well. I do not think it is just that I was reported to the 3 credit bureaus when I was in constant contact with XXXX to make sure they had my new credit card for automatic pay, I paid via the phone and I signed the new authorization form to continue automatic payment. Please, please help me. I am a responsible credit user and pay my bills on time. Thank you for your energy and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Escrow Inquiry My new escrow payment is {$960.00}, however, my total for taxes and insurance is {$7600.00} and spread over the year for monthly payment is {$630.00}. This is a {$320.00} difference and over a year it is {$3900.00} extra in funds. Where are the extra funds allocated? I need an accounting of the extra funds allocation. I have asked repeatedly for an accounting for the extra funds paid with no response. Also, the mortgage company overpaid the property tax. See the attached documents for the payout amounts and the property tax statements.

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 2020-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I was viewing my American Express ( Amex ) account online as I wanted to put some charges into my Pay Over Time ( POT ) account. However, I got a message that said " You don't have a Pay Over Time account ''. Strange because last month I did and was able to use it. I tried chatting with Amex but didn't get a good explanation and wanted further detail. So I called them and spoke to a very nice patient man. I subsequently found out in my conversation with him that Amex had raised my APR from 15.24 % to 24.27 % effective XX/XX/XXXX. I was very shocked and asked why they had done this. He said it was because I was late with 2 payments this year in XXXX and XXXX. I told him to please notice that my XXXX payment was only 3 days late and my XXXX payment was only 1 day late, due to the fact that I was having trouble getting my Social Security payment to coincide with the due date of my Amex card. He was able to change my rate back to 15.24 % effective XX/XX/XXXX which I very much appreciate. However, he could not change it retroactively for charges I put over to POT from XX/XX/XXXX to XXXX. I asked why was I never notified of this change in APR or that they had cancelled my POT. I would never have continued to put charges over to POT had I know my APR had increased that much. He said notification should be on my XX/XX/XXXX statement. I pulled the PDF statement up and told him that on page 1 it says my POT Limit is {$18000.00} and my Available Pay Over Time Limit is {$11000.00}, this to me sounds like I still have a POT account but he confirmed that they closed it to further use. He said to look further down in my statement and way down on page 11 of 12, sure enough they stated it would be increased to 27.24 % effective XX/XX/XXXX but still no notice that my ability to use POT was cancelled. I feel this is a very sneaky practice ; burying the notice on page 11 of my statement. I said a formal letter informing me of this important change to the APR and that my POT was cancelled would have been more appropriate. He agreed but nothing he could do about the high APR being charged from XX/XX/XXXX to XXXX. I really do like Amex as they have been good to me over the past 30+ years but the practice of raising interest rates without sufficient notice is not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Those accounts are listed in the attachment below resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.

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 2020-08-06 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Those accounts are listed in the attachment below resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.

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 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Won't let me connect to get a loan

Company response to consumer: Closed with explanation