vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I applied to open an account at BMO Harris on XX/XX/2020. At the time of my application, I signed up using a promotional code that promised a bonus upon the completion of certain requirements. These requirements can be found here : https : //www1.bmoharris.com/api/us-banking/secure-message/customer/conversations/5f7b536c7324033affe4ad04/attachments? url=7C7769BA-D9AE-4DD0-B0D4-3CE580A376C7 & type=pdf & filename=promo031820 My account was not initially opened, as they needed to verify my address. However, after I sent in my verification documents, my account was opened. However, this occurred after XX/XX/2020, which was the last day of the promotional period. Therefore, BMO Harris is now claiming that the promotional code that I applied is not applicable and that I am no longer eligible for the bonus.

I have already started the process of completing the bonus by changing my paycheck direct deposit to BMO Harris and depositing the required amounts for the Money Market bonus. I believe I am eligible for this bonus because I completed my application within the promotional period, the fact that BMO Harris couldn't verify my information is not my fault. My account should not have been opened if I wasn't going to be eligible for the promotion and it should have been clearly stated that I wouldn't receive the bonus BEFORE the account was opened.

I have reached out to BMO Harris numerous times and they confirm that I am not eligible for the bonus and they could only retroactively apply the promotion if there was an error on BMO Harris ' end, which they are claiming there is not. I believe there is.

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 2020-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a call and letter from a company called Optimum Outcomes from XXXX, North Carolina. In this call and letter they maintained that I was delinquent on a debt for {$380.00} to XXXX XXXX XXXX XXXX XXXX XXXX. I asked that they document this debt. In the response that followed they referenced a bill that I paid in XX/XX/XXXX for {$470.00} including the {$380.00} that they claimed was delinquent. ( attached ) After sending a letter with this proof of payment and a request to clear this from their records, they sent a follow up letter whereby they neither confirmed nor denied that the debt had been paid. They are now calling me again for the same {$380.00} that they claim is due. XXXX is showing a XXXX balance due for my account and acknowledges that the amount has been paid, which shows either that XXXX sent the bill in bad faith to a collection agency after it was paid or that these people know the bill is paid and don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
I was charged interest twice in XX/XX/XXXX, once from my regular autopayment ( XX/XX/XXXX ), and the second from an additional principal payment I sent in on XX/XX/XXXX. This second interest payment that month still has not been applied even though I have called and spoken to agents numerous times. Also, approximately {$300.00} was added to my balance on XX/XX/XXXX for no apparent reason. They have only sent me a pay off statement which I can find online at anytime, not a full accounting which is what I requested.

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 2020-11-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The bureaus not following the law.. They have not provided me with any of my investigation results.. I have sent out several disputes and they are not complying with the law.. I demand concerns be resolved and deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The bureaus not following the law.. They have not provided me with any of my investigation results.. I have sent out several disputes and they are not complying with the law.. I demand concerns be resolved and deleted off 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 2020-11-02 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: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$15000.00} XXXX XXXX XXXX LENDING | XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX {$2600.00} UNIVERSITY FED CR XXXX | XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX | Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX | Date of Inquiry : XX/XX/XXXX XXXX/XXXX  | Date of Inquiry : XX/XX/XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  | Date of Inquiry : XX/XX/XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX-XXXX  | Date of Inquiry : XX/XX/XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I opened this nordstrom account many years ago. I paid it off when I moved overseas. While living overseas `I was a victim of identity theft. I made several attempts to contact this company while overseas but to no avail. I even ended up paying most of the outstanding balance which was not my collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My husband passed away XX/XX/XXXX. I was told by our credit monitoring personnel that I needed to freeze my husbands credit in order to cancel his credit monitoring account. I wrote a letter to Equifax and mailed the letter XX/XX/XXXX. This letter had all our personal information either attached to it or in the body of the letter. Included were copies of my husbands death certificate, my drivers license, my husbands drivers license. In the letter I gave both our social security numbers, dates of birth, and address. I did call Equifax to verify the correct P.O. Box to send this to. In XX/XX/XXXX, I had not heard from Equifax, so I called and talked to a customer service person who told me there is no record of receipt of my letter or attachments notifying of my husbands death. I am really afraid to mail another letter even if it goes Certified mail. I was told the only way they will accept this notice of my husbands death is by mail. I believe my letter and all our personal information is either lost in the mail or received by Equifax and is sitting on someones desk. I did receive a copy of my credit report and put a freeze on my own credit during my XX/XX/XXXX phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: NJ

Complaint narrative:
To whom it may concern i have a huge problem with experian. There is a lot of fraud on there. I have called these companies to try and understand how all this happened. I have a bunch of hard inquires which i will show you the pictures it says 11 hard pulls. I honestly have not made more than 2. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. all of these companies and any other companies shown in my picture is not accurate and not authorized by me. Had to be fraud. the only thing on there i know i got my credit ran by was XXXX is the only thing accurate that i can see in terms of hard pulls. Speaking of XXXX they gave me a late fee which they had said they would remove due to covid as i had been a 10+ year customer of there's. It has still yet to come of unsure as to why. i should only have 1 hard inquiry. Thank you.

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 2020-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
A cold call from XXXX ( XXXX XXXX XXXX. Claimed to be debt collector for att. Claimed I owed over XXXX. Read off my Name, address and phone number. Requested my social security number. I responded that I had no accounts with att. I refused to give any personal information. I googled the number. It has been reported as a scam by others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Company advised minimums were reset during a family tradgedy additionally they were reported for sales and billing tactics that resulted in correction I was advised allow 30 days for correction to my CRAs I have been a model customer for years without issue and I did not start now

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 2020-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Great company no complaints aside from that listed herein which I chalk to a miscommunication and one off it happens Account minimums reset to XXXX durinf family tradgedy so I was informed multiple times by several different reps as you can see I have been a model customers for 8 years this occurred in 2015 no issues prior to or ever since I was advised to allow 30 days for correction and only recently found that this was not rectified I have never been 30 days late on anything in my life and I know what I was advised repeatedly XXXX and XX/XX/2015 were supposed to be reset to {$0.00} if we can not resolve amicably which I hope we can because I love XXXX XXXX with you and have zero issues otherwise please forward me your arbitrators points of contact Thank you very much for your time and attention with regards to this important concern for me

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 2020-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: IL

Complaint narrative:
I am writing this letter about a Credit Bureau dispute with Sallie Mae. This account is up to date. I have uploaded a School Verification form twice. I have also spoken with 3 different counselors from Sallie Mae and I was told this would be taken care of. I have been harassed by this company every day since XXXX, 2020. I do not owe anything at this time except monthly payment that I have always made on time. My daughter has an in-school deferment that they have and have not processed. I am requesting they take off the extra monies, fees and send a letter to the credit bureau to restore my score. Sallie Mae needs to update my account and halt the harassing phone calls and take care of this matter ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: LA

Complaint narrative:
They are reporting inaccurate information on a paid off account. {$150.00} at the place where the debt come from but its still have it reporting on 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 2020-11-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian, XXXX  and XXXX  arent complying with my dispute request. I sent them a letter on the XXXX of XX/XX/2020 which was my initial dispute. I then sent another letter on the XXXX of XX/XX/2020, which was a thirty ( 30 ) day demand to comply and they still havent responded.

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 2020-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
This is a supplement to my complaint filed XX/XX/20 against Bridgecrest. They illegally repossessed my car even though I've never had a late payment and all payments were up to date. They charged me {$910.00} in fees ( {$290.00} repossession fee, {$270.00} for a key, and {$340.00} for impound ) plus I had to pay the entire loan balance or they were going to sell the car at auction. They admitted they never really ordered a key for {$270.00}. They will not give me a receipt for the {$340.00} impound. They sent me their transaction history and said that is good enough. However, it is not good enough. I need a receipt that says what the {$340.00} was for. The transaction history does not say. My insurance will not reimburse me without a receipt. They have stolen money from me and refuse to return it. Also, they said they are reporting the repossession on my credit report even though I've never had a late payment and the loan is now paid in full. Please investigate these people. They are scam artists. I have spent hours on the phone with these people to no avail. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: IL

Complaint narrative:
To whom it may concern, I have 2 accounts ( kohls & Capital One ) on my credit report I have tried getting them removed. Due to being fraudulent accounts. These fraudulent accounts do not belong to me, I have no knowledge of these accounts and I didn't receive anything dealing with neither of these accounts. I have file several FTC 's reports to get them removed and nothing. I have called customer service for experian and both of these accounts and nothing they can do to help me or get them removed. No one can give me an answer on how to get them out of my credit report. This is really have been fraustuating. I been trying to get them removed since XXXX, 2020. I ask for you support and help. I want these fraudulent accounts to be removed from my credit profile. I will file police report if I have too. 

Kohls {$640.00} Acc # XXXX Capital One {$830.00} Acc # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: TN

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX I faxed over a line if credit request to pay for property taxes and this is the second year the company has denied and have put my XXXX year old mother through XXXX. i have full power of attorney. this caused a late payment due last year and after months and many calls and many faxes they finally deposited $ so we could pay the property taxes. this year they are telling me that they called me and I told them its not authorized. it is a blunt lie. champion mortgage is up to something shady and i need someone to investigate this Co. my moms home is worth XXXX and the only reason we took out the reverse mortgage was for her property taxes to be paid!! every year they lie and play games

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We purchased XXXX washer and dryer from XXXX in XXXX for {$2800.00}. We paid Citi Costco Card which provides extended warranty. The machine broke in XX/XX/XXXX and upon calling appliance repair they diagnosed a shock absorber needs to be replaced. Total estimate for shock absorber was {$290.00} and we submitted a claim via Citi benefits for {$380.00} ( {$290.00} + {$85.00} service call ). After about a month the claim was approved and we call the appliance repair to replace the shock absorber which they did. Just a month before replacement of the shock absorber we started to see that every time we turn on the washer various electric circuits in our house start flickering. And when repairman came to replace shock absorber we asked to look into this as well ( to save on another service call ). He quickly diagnosed the issue with main electric board and said it is dangerous to use the machine. I asked for estimate and they send me {$730.00} to replace circuit boards. This is when I submitted another claim to Citibank. After reviewing the claim adjuster approved only {$330.00} out of {$730.00}. Upon my request they said that it is not a different issue but a part of the same repair and they can't pay more than {$710.00}, and attempts to speak to a manager were declined. In my opinion this is a violation of warranty terms.

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 2020-11-02 00:00:00
Product: Checking or savings account — Checking 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:
My XXXX Account was compromised and made a purchase on XX/XX/2020, for {$120.00}. The item was a XXXX XXXX and the compromiser sent it to me as a joke. I contacted XXXX and they confirmed that my account was compromised and made a fraudulent purchase. They locked my account, disconnected my card, and wiped my purchase history. They told me to contact Bank of America. Bank of America opened a claim on my behalf but then simply closed it, claiming I was the one who made the purchase. This is further exacerbated that they closed my claim on " compelling evidence ''. This has made me very upset. They did not contact XXXX to see that my account was compromised and they refuse to refund me. I contacted XXXX again and they assured me that they are internally investigating my situation.

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 2020-11-02 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: EQUIFAX, INC.
State: LA

Complaint narrative:
They are reporting inaccurate information on a paid off account. {$150.00} at the place where the debt come from but its still have it reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
They are reporting inaccurate information on a paid off account. {$150.00} at the place where the debt come from but its still have it reporting on 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 non-monetary relief