milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (RI).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On XXXX XXXX, 2017, I attempted to open an account with BMO Harris Bank online through their website. When I made it to the identity verification stage, I was presented with five questions ( knowledge based authentication ) to answer in order to verify my identity to the bank. I answered those questions correctly, but clearly my correct answers were not the answers their KBA system was looking for. The application was rejected after this stage. <P/>I 'll provide a concrete example. One of the questions asked about a leased vehicle I currently have and wanted me to choose the name of the leasing company from their list. My car is leased from XXXX XXXX. The closest name on the list was XXXX XXXX XXXX. So I chose " None of the Above '' because those two companies are different entities. Clearly that 's not the answer they were looking for, despite the fact that it is objectively the correct answer. I 've since checked my credit reports from all three credit bureaus and they all show the lease is with XXXX XXXX, not XXXX XXXX XXXX. <P/>Anyway, I called in to continue the application 1-2 days later. The phone reps were unable to continue the online application, so I had to submit a new application over the phone. I was ultimately successful in doing so and the account has been open since that time. What 's interesting is the KBA questions they asked over the phone were different ( and easier ) from the ones asked in the online application process. <P/>That said, I recently received a denial letter for the first attempted account opening. I will attach a copy of the letter. The letter is basically useless. It only states that my XXXX Score from XXXX  may have been the reason for denial, but, crucially, only if a XXXX Score is actually listed on the letter. No score is listed on the letter, so that is clearly not the reason for the denial. <P/>The letter does not state the source of the information used to deny my account opening, nor does it state any reason at all for the denial. Now, I know the reason for the denial, but I do not know the source of the information they use to generate those KBA questions. <P/>Whatever the source of that information, some of it is incorrect and I need to be able to correct it. This is not the first time I 've encountered this issue while trying to open a bank account. The banks all seem to use the same vendor to generate these questions, so I have a legal right to know the source and content of the information about me. <P/>Since the denial letter did not state the source of the information used for the account denial, BMO Harris is in violation of FCRA Adverse Decision Notification regulations. As such, I ask that they comply with the letter and spirit of the regulations and provide the information I 'm entitled to.

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 11-11-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian company has not deleted wrong information on my credit report for the XXXX time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am submitting this complaint in regards to XXXX credit reporting agency. I just checked my XXXX credit report and noticed that there investigation was completed and the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts that were showing as deragatory were finally deleted off my XXXX credit report. ( I have been disputing these 2 accounts for months and finally it has been confirmed to remove them off my credit report because they did not belong reporting on there ). However XXXX is still reporting this wrong information. I have tried numerous times to contact XXXX and re-dispute these 2 accounts but keep getting transferred back and forth. I wrote into XXXX to dispute these accounts again but have heard nothing back. If XXXX was able to confirm to delete these 2 accounts that do not belong on my credit reports then why is XXXX  avoiding the complaint and just keep updating the information and reporting it. Having this wrong information reporting is affecting my credit score in a very negative way which in turn is affecting me in obtaining substantial credit.

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 04/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: There is a motion on XXXX/XXXX/XX/XX/XXXX @ XXXX XXXX county courthouse to reschedule foreclosure sale date based on 100 % illegal, fraudulent foreclosure. XXXX XXXX XXXX has sold, transfer or assigned this mortgage to Caliber Home Loans in XX/XX/XXXX. 
1. Got out of non-jury trial XXXX XXXX, XX/XX/XXXX which I knew before walking into Judge chambers I was going to lose. To get an idea of what typically occurs @ these non-jury trials just imagine a handcuffed monkey trying to beat a Lion in a caged fight. 
2. Five Year Statute of Limitations ( SOL ) Expired XXXX XX/XX/XXXX 
3. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : Forged and Notarized Original Mortgage signatures, Plaintiff lacks legal standing ( mortgage sold off originally by XXXX XXXX Bank to a trust ), robo signing. Their was the biggest lying straight face robo testifier from XXXX XXXX XXXX I have ever witnessed, it is sad and unacceptable how all their lies, fabrication were allowed into evidence while our strongest evidence by defendants Forensic Expert/Witness testifying original note is 100 % forgery denied her testifying at trial, XXXX due process. 
XXXX law firm does all plaintiffs dirty work. 
4. Force placed homeowner insurance obtained at illegal price gouging rates XXXX, XXXX times normal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax refuses to properly investigate an inquiry that was n't authorized and is fraudulent. On XX/XX/2016 I had an inquiry form XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On my report it is a tax lien which I have disputed before with   XXXX   and   XXXX    and they removed the inaccurate account. I have also disputed the account with Equifax and they keep saying it is accurate but it is not in fact and the other  XXXX  agencies have removed the account

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: I write this letter in great despair and fear. My home was wrongfully foreclosed and sold in auction by Bank of America.   I have been working with  XXXX   (    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  Tel (   XXXX  )  XXXX  ) to have my home loan modified to a lower payment.   On  XXXX   XXXX   2017, I received a  call from someone claiming to the vice president of Bank of America. She notified me to let me know that my appeal had been rejected. However, I did want to accepted because based on what she told me herself, my request was not reviewed as requested. I did not take the news well at all.   However, at the end of the phone call I was told by her that I can apply again for a loan modification if my circumstances had changed.   Since my wife was now working full time I sent all the information they requested by  XXXX   XXXX  , 2017. I   contacted them on  XXXX   XXXX  and  XXXX   XXXX  , 2017 via ph one and email letting them I had sent all the documents they had requested and asked them to inform me ASAP if the needed anything else. No one replied nor returned my calls.   On  XXXX   XXXX  Bank of America contacted  XXXX  letting them know the sell date of  XXXX   XXXX  , 2017 w as cancelled and there was no pending sell date. In turn  XXXX  contacted with the same information. The sell date cancellation was also reflected on the website  XXXX .   To my surprised and HORROR, I was then contacted over the phone on  XXXX   XXXX     2017 inf orming me that my home had been sold in auction earlier that day.   I did everything Bank of America asked of me. I followed their guidelines and rules. In turn, they steal my home. They steal my dignity.   I am desperate, I am horrified. I need help.   PLEASE HELP ME.   I contacted  XXXX . They can no longer assist me because now my home belongs to a 3rd party.   I contacted Bank of America and all they did was direct me their lawyer  XXXX   XXXX   XXXX   (   XXXX   )   XXXX .   The new owner of my home is  XXXX    XXXX    XXXX ,  XXXX   Tel (   XXXX  )  XXXX  Please fight for me and my family.   Do n't allow Bank of America to lie and the steal my home Do n't allow Bank of America leave me and my family homeless.

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 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have contacted The Court, they said it was an computer error that reported me having bankruptcy for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The court said they did not verify or validated information, see attached letter

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 06/13/2017 about Payday loan, title loan, or personal loan (Installment loan) with CONRAD CREDIT CORPORATION (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I entered into a   XXXX   XXXX   business agreement on  XXXX   XXXX   2017 . The total cost to do the business is  XXXX  dollars. I paid  XXXX  and have a balance of  XXXX . The business coach advised me that the business will finance the remaining balance. I asked on  3 occa sions if a credit check will be done and I was told no. The company sent me a document to sign with all my basic information. As a business partner I signed. On the  XXXX  of  XXXX     2017  I got an alert that some activity went on my credit. Only to see it was Conrad Acceptance Corporation. I contact my coach and told him I was being lied to that a credit check would not be done and I need a refund of a reversal of the transaction. He told me to contact support help at legendary marketing. I was told that the agreement I signed can not be cancelled or reversed afte r 3  business days. I made a report to my credit card company and the Credit Bureau. Attached is all text messages and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX XXXX, 2016 I initiated a dispute with trans union for incorrect dates to my account with the company XXXX so i wanted them to check the dates for this account and instead of them doing so they just deleted record of my account from my file. Since then the amphibious base has reported my car account to them monthly but they deleted it with out doing a proper investigation now when my credit is pulled its as if I do n't even have this account. Trans union needs to get this corrected and added back to my credit report because it is hindering me badly. I am been in contact with the XXXX and they contacted trans Union and it was stated to them that my report is suppressed. I just want my information corrected and trans- union refuses to update my report correctly. this needs to be further investigated as to why they are treating their investigations like this just delete the report so they do n't have to do the work. I have attached a copy of the dispute that i submitted.

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 01-10-2017 about Credit card () with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Application processing delay

Complaint: Hello Team, I recently applied for a Huntington bank voice Credit card upon a invitation call from the bank representative in XXXX MI branch. 
After i visited the branch and provided all information she went ahead with processing my application. After sometime she came back to me stating my application is rejected as I am not a US citizen. 

I have many different credit cards and I have been living here since 3 years on a work visa. I have an excellent credit score. 
I want to know : 1 ) Is it legal for banks to reject Credit card application even if the person 's credit score is excellent and has furnished all his documents to bank. 
2 ) The bank should clearly mention it in the invitation and advertisement that credit cards are only for US citizens. 

This has left me with a shock on why my credit card application was rejected due to citizenship even if I am a tax paying, law abiding person legally living and working in US. 
- The bank invited me and processed my application taking my 30 minutes just to answer back that my application is rejected. This is disgusting and very frustrating. 

I want your help for the matter to be investigated and proper justification from bank. 

thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Other

Complaint: Please Reference my prior case with this companyCFPB CASE # XXXX A WRITTEN DOCUMENTATION THAT CONFIRM ORIGINAL DATE OF DELINQENCYA woman by the name of XXXX XXXX was working with me previously regarding the above ; she had provided me detailed information as well as her contact information. 
The issue is her contact number is only a voicemail, I have left her a voicemail, but I have not heard back. I also sent her an email. I seem to have had no luck ( only reach a preset voicemail. ) And No email replyOne document that was not provided to me is a statement that provides the ORIGINAL DATE OF DELINQUENCY. 
The original delinquency date is the date the account first became delinquent and was not brought completely current. 
Each of the XXXX credit agencies are reporting this date differently. 
The Fair Credit Reporting Act ( FCRA ) Section - 609 ( a ) ( 1 ) clearly states that a creditor must provide this in writing upon request this Document. 
Please provide this information so that I may update my records. 
I hope to resolve this with you directly before opening a new CFPB Complaint. 
The original delinquency date applies to the first late payment. In which the account was never brought current. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to XXXX XXXX Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX credit company and also to the credit agencies to no avail. I DO NOT own a XXXX XXXX and I never have. This is the result of someone opening accounts in my name. I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a XXXX. I have spoken to XXXX XXXX and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX/XXXX/XXXX I disputed with XXXX XXXX XXXX XXXX  on the validity of debt. It was completed on XXXX/XXXX/XXXX and thus deleted. I advised XXXX and Equifax that item was deleted but they hav n't deleted it off their reports yet to date. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have had a XXXX XXXX credit card for several years now, but unbeknownst to me they changed companies last year or " transferred lenders '' from XXXX XXXX to XXXX as it says on the report and my account was closed without my knowledge. So when I went to purchase goods from there this year rather than updating my account they started me a new one which subsequently hurt my credit score by bringing the age o my average account down significantly. I now have XXXX listings for XXXX XXXX cards with a less than XXXX year gap in between uses and a credit dip to boot. Help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: File # XXXX I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed with them FORTY DAYS AGO ever since XX/XX/2018. Because they have gone way past the 30-day legal deadline and can not verify the account, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ... promptly delete all information which can not be verified. '' which includes the account I have disputed. 

Please resolve this matter ASAP. Thanks in advance.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On XXXX XXXX, 2017, I mailed Experian a letter updating my personal information on my credit file. I included a copy of my driver 's license, a utility bill and my social security card to prove my identity. Experian removed the employer information and updated my phone number. Experian has refused to remove the incorrect names and addresses from my credit file stating they were connected to accounts and that I would have to contact the sources to have them removed. Experian sent my a copy my disputed results and I am not satisfied with the outcome.

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 11/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion did their investigation and came back with updated information. Well I called the creditiors which i will list and they all came back and said they have no information on file. how did Transunionninvestigate without calling the creditors to see if this was my account. Also in 2013 i was a victimn of ID Theft which Transunion could havedid a better job at investigating the inaccurate information because it is still on my file. 
1.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record ) 2.XXXX spoke with XXXX Employee i.d . # XXXX @ XXXX Account number is XXXX ( No Record ) XXXX XXXX this is the same creditior so its being repored twice. 
3.XXXX spoke with XXXX @ XXXX Account # XXXX ( no Record ) 4.XXXX Account # XXXX. I have also enclosed a letter from them saying for you all to delate this off of my credit file immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation