vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-16 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: Credit Technologies, Inc.
State: IL

Complaint narrative:
Ran a check on my credit. Found numerous credit inquiries. Trying to buy a home but can not because I keep getting unknown inquiries and don't know how to stop it. Also, I think mortgage companies may have ran my credit more than once within a 120 day period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank Of America/XXXX XXXX Representatives told me that if I have a combined amount of {$50000.00} in my BofA and XXXX Accounts, I would be able to do 20 monthly trades for free, and after 3 months, I would receive a {$200.00} cash reward. I put {$60000.00} to my BofA account and transferred {$10000.00} to XXXX, and did not touch the money since then. 

Upon calling after 4 months, they said that it will take time to receive the cash reward, and upon calling after 6 months they said that at least {$20000.00} of the combined amount should have been at XXXX XXXX, and because of that I did not receive it. They told me that they would fix it and get back to me asap, but they did not. It has been another 3 months now. 

I think this was a mis-representation/misinformation on their side and they did not provide accurate/clear information to customers. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Were writing requesting your assistance in disputing fraud billing from Specialized Loan Servicing LLC for a property which is not owned by us as it has changed ownership under a court ordered Receivership on XX/XX/XXXX The property in question is XXXX XXXX XXXX located in XXXX, Massachusetts. This property was surrendered under Chapter XXXX bankruptcy on XX/XX/XXXX and since then, no payments were made on the previous outstanding mortgage. Please be informed that since XX/XX/XXXX through XX/XX/XXXX the mortgage on this property has been sold numerous times to different lending institutions. SLS claims that we still owe them {$150000.00} and refuse to acknowledge that the property was sold to XXXX XXXX on XX/XX/XXXX under a receivership sale approved by the Housing Court/Commonwealth of Massachusetts. As the property was surrendered under bankruptcy and subsequently was sold by the courts, SLS should cease all billing and correspondence to us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
XX/XX/2018 XXXX AM originating from XXXX ... call after advising them already that a ) calls before XXXX AM are not permitted and b ) to stop calling me several times per day as I have the information needed via an email and it is a matter concerning my child that I need to review with my ex husband to pay. 

XX/XX/2018, XXXX XXXX call originating from XXXX, CA. Again advised to stop calling me. Contact at XXXX XXXX name was XXXX. 

XX/XX/2018, XXXX AM, call originating from XXXX, CA advised them to stop calling XX/XX/2018, XXXX AM, call originating from XXXX, CA, advised again to stop calling XX/XX/2018, XXXX PM, call originating from XXXX, CA advised again to stop calling XX/XX/2018, XXXX AM followed by XXXX AM call originating from XXXX, IL violating no call before XXXX AM and advised them of this and to stop calling XX/XX/2018, XXXX PM call originating from XXXX XX/XX/2018, XXXX AM call originating from XXXX, IL violating no call before XXXX law Saturday, XX/XX/2018, XXXX AM call originating from XXXX XXXX, CA XX/XX/2018, XXXX AM call originating from XXXX, CA, advised to stop calling XX/XX/2018, XXXX AM call originating from IL, violating the no call before XXXX AM XX/XX/2018, XXXX AM call and XXXX AM call originating from IL and CA That is merely one week of call log that is stored on my phone, this has been persistent and request made to stop calling. Additionally, twice I have had the experience of their representatives insisting that I could not get off the phone until I made a payment. One representative inferred that a payment of {$42.00} TODAY would satisfy the account as though the debt of {$870.00} would be satisfied. When pressed, he stated he needed a credit card number from me today to take a payment and that it was not an offer in compromise. 

This company is harassing me to no avail and will not respect the law of not calling before XXXXAM and not calling multiple times per day after I have requested that they stop and correspond via email only.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Hello and thank you for your service ( s )! 

I TOO.. Want to help YOU and consumers connect with financial companies to understand issues, fix errors, and get direct responses about problems. 

I WISH I DID NOT HAVE TO COMPLAIN TO A 3RD PARTY. : ( It is semi-comforting to know that Submitting my complaint WITH YOU helps OTHERS TOO and plays a role in everything YOU do, helping YOU to identify problems and prioritize YOUR work AND turn MY complaint into action to improve the marketplace. This is VERY important to me! 

Here is my ordeal in brief. 

NO ONE @ BMO Harris has adequately explined to me " EXACTLY '' why my " electronic deposits '' were not acceptable! 

I opened my BMO Harris accout in early XX/XX/2017 with an promotional incentive coupon from the bank itself stating in fine print I need to have " direct deposit OR ANY other electronic deposit '' of {$300.00} or more for 2 consecutive months ( which I actually did for 4 months, see image screen shot ) and " AUTOMATICALLY '' receive {$200.00}. 

The banker that accepted the coupon XXXX XXXX at the XXXX Wisconsin BMO Harris Branch 1st FAILED to inform me promptly that this may not be acceptable while trying to acuse me of being hostile. I was not in any way hostile and was appologized to by another member of the bank for her behaviour. I was VERY disappointed in her lack of timely concern for my {$200.00} incentive, she merely opened the account, DID NOT CARE and/or forgot about the incentive altogether there-after! She sure DID NOT  forget to sales pitch me for a mortgage though!!! 

I NEVER RECEIVED THAT {$200.00} bucks, it has not been a year yet so this is my final attempt to get my {$200.00} bucks before possible court/legal action. 

Heres your coupon! Promo Code XXXX Swing by a nearby BMO Harris branch with your promo code or open your account online now. Well automatically apply the {$200.00} cash bonus promo code when you apply online. Youll get {$200.00} after you open an eligible checking account with qualifying direct deposits. 

I would like BMO Harris executives to credit {$400.00} for my having to wait a year for it now. 


{ END OF MESSAGE TEXT } - ERROR ATTACHING FILES/IMAGES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HIPAA VIOLATION / CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION 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 2018-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
XX/XX/XXXX RE : American Education Services XXXX XXXX   XXXX XXXX, PA XXXX RE : Mishandled Payments Not Credited To My Account Dear AES : The following payments have not been credited to my account as is required by contract and law, which is resulting in incorrect information regarding total balance due on my student loan repayment, thus prohibiting and extending my loan payoff : Payment Made XX/XX/XXXX for {$100.00} Payment Made XX/XX/XXXX for {$100.00} Payment Made XX/XX/XXXX for {$50.00} Payment Made XX/XX/XXXX for {$50.00} These four payments appear to be lost in your system somewhere and have not been appropriately posted / applied to my loan repayment plan. These four mishandled payments at different times is a lot and may go well beyond the occasion of carelessness. These loan payments have not been applied or posted by either AES or XXXX. 

To resolve this matter immediately : 1. I request credit for all of these repayments made to repay my student loans ; 2. I request interest be recalculated for the life of the loan to include these repayments at their proper time frames and those dollars credited towards my payoff. 
3. A new readable printout statement showing complete payments, plus interest, and principal paid, with a new lower principal balance and payoff amount. 

For convenience and to quicken the investigation, I sent AES verification that payments were made as stated above and recent copies of the Account History with no indication that payments were ever posted. Corrections to my account need to be made immediately before the next statement and prior to any further payments due. 

I thank you for your immediate attention to correct this gross mishandling of student loan payments made to AES. I look forward to immediate correction. 

These issues have been reported to AES several times including in writing, via their internal Internet, and via telephone. Copies of Statements have also been sent to AES. Personal information is available upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 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: DISCOVER BANK
State: MD

Complaint narrative:
In XXXX, Discover Financial Services made 18 inquiries about my credit within a 7 month period. Some of these inquiries occurred 3 and 4 times in one month. Below are the specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

To my recollection I didn't have a Discover account during this time-frame nor did I owe them any money from a previous debt. The only account remotely related to Discover was a XXXXXXXX XXXX XXXXXXXX card that was paid off in XXXX of XXXX. 

According to my rights on this same credit report it states that " Access to my file is limited ''. 18 inquiries within a 7 month period is limited?? I have to pull a more recent credit report to see if these actions are still taking place and if they are than I may be forced to seek legal action as this adversely affects my credit report and have recently had issues obtaining credit for major purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 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:
Three disputes were submitted to XXXX  and before they could even re-investigate the disputes that have been disputed before, they come back within an hour and said the information on these particular items are accurate and up to date. NO IT ISN'T!!! The two companies in particular, XXXX XXXX XXXX XXXX and a regular XXXX XXXX are lying on the credit report. When this company was contacted, they couldn't give me any information on these accounts but for some reason, they are giving false information to XXXX as well as XXXX and Transunion. This is pure fraud XXXX XXXX is committing and XXXX rushed to judgment and is deciding to believe the company instead of really digging into the information. According to an attorney that I spoke to, XXXX XXXX XXXX XXXX and the regular XXXX XXXX account should be removed once and for all. These three credit bureaus have until the end of XX/XX/2018 to get these particular items removed or I will have this particular attorney contact 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 2018-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
I have a mortgage with Freedom Mortgage and back in XXXX I was going thru a custody battle with one of my child 's fathers in which I was court order to go to mediation. This required me to use a whole pay check ( had to bring cash ) to pay for it. XXXX dollars plus I incurred more lawyer fees which set me back and I have struggled to catch up. I called to make arrangements and explain my situation to the mortgage company. A friend of mine told me to ask for a modification. At no time did anyone tell me about FHA loans and the partial payment. I began sending the information they requested in XX/XX/2017. I continued to make payments as I was able to. I also took on a part time job in XXXX to help bring up my income. I sent in a letter of hardship and other documents and since then I feel as if they have been giving me the run around. There is always something missing and I swear I have filled out the XXXX form and sent at least 5 times. I now sent them a check for XXXX dollars as of XX/XX/XXXX I owed XXXX the XXXX was sent in XX/XX/XXXX and I called and told them the rest will be coming on my next pay day and they still have to cash my check and have now sent my loan to foreclosure. So now I am occurring attorney fees as well. I am a single mom of XXXX children and I very much want to stay in this home. I was going thru a hardship one that I think should of qualified for the fha partial claim money. I want to have this looked into as soon as you can. Thanks so much,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Fraudulent charge of {$89.00} appeared on my Citicard statement during XXXX, XXXX for a jar of women 's face cream which was not purchased or received. I immediately contested the charge by calling Citicard customer service which indicated that Citicard was aware of the face cream company ( name unknown ) making fraudulent charges. The Citicard rep said she would reverse the charge and suggested closing the card to prevent further unauthorized charges, which I did. While recently applying for a mortgage re-financing, a banking officer informed me that my FICO score had dropped from XXXX to XXXX due to a delinquent balance of {$190.00} owed to Citicard. Further research determined that the delinquent balance was comprised of the fraudulent face cream charge of {$89.00}, plus Citicard penalties and interest. Corresponded with Citicard on XX/XX/XXXX to dispute the charges, but have received no reply to date. Have also copied XXXX XXXX, and XXXX on my correspondence to Citicard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2018, I paid my minimum balance of {$90.00} on my credit card. At that time, I had a live chat with a representative of that company, I also have a promotional balance of {$920.00} on this account. It is due to expire on XX/XX/2018. I asked if I could pay {$300.00} on that balance, he said yes I could, but then he sent me a message saying they couldnt guarantee that it would be applied correctly. I was appalled by this response. I told him I would not pay online, but that I would pay by mail with a letter attached. Please see following copy of letter : XX/XX/2018 My Best Buy Visa Card XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX XXXX Credit Card No. XXXX XXXX XXXX XXXX PROMOTIONAL BALANCE OF {$920.00} To whom it may concern, Please find enclosed my check number XXXX in the amount of {$300.00}. This {$300.00} is to be applied to the promotional balance of {$920.00} ONLY. 
These funds are in no way to be applied to any other balance, but the promotional balance. 

Again, Check # XXXX in the amount of {$300.00} is to be applied to the promotional balance of {$920.00} ONLY. These funds are not to be applied to any other balance under this credit card number. 
If these funds are applied to the incorrect balance, I will take the matter up with the proper authorities. 

Sincerely, XXXX XXXX XXXX XXXX also made that notation on my check. I repeated this request no less than 3 times in the letter and it is noted on my check twice. They have cashed my check, and nothing was applied to the promotional balance. I feel as if this a scam and that they are trying their best to make me pay interest on a balance that was to be interest free. I sent them another message today and the only response I have received is that they are reviewing. I can not believe that they havent applied this check in the correct manner. Is there anything you can do to assist me? I have a couple of additional payments that need to be applied and I really do not want to have to do this each time I make a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I submitted a complaint to Transunion to have the information removed from my credit report or have it displayed as paid closed. This information is incorrect because it says derogatory when it was discharged in bankruptcy. 
I submitted the complaint XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/2018, I opened an M & T Bank Account based on an offer displayed online -- coupon code " TN ''. Immediately after opening the account, I was informed the coupon " TN '' did not apply correctly, and therefore the bonus will not be applied to the account after direct deposit, even though it was advertised and opened based on the offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2018, I attempted to sell my vehicle to a dealership. There is an existing payoff amount. The price offered exceeded the payoff amount. While the transaction was in progress, my payment to the lien holder was returned causing the payoff amount to the lien holder to change. The sale amount did not change just the difference in the amount out of the proceeds that would go to the lien holder vs. to me. 

When the dealership allegedly transmitted the payment, it allegedly was rejected because the payoff amount did not meet the threshold for the payoff. 

The dealer requested another payoff that reflected the settled account amount. 

The issue is that the lien holder/bank [ CAPITALONE AUTO FINANCE ] disclosed detailed/private account information that under their privacy policy would not have been permissible. The mis-used the information in my account/credit file. 

The lien holder disclosed to the dealer that a payment in the amount of {$960.00} was returned for non-sufficient funds. This provided the dealer with damaging information about the details of the account and I believe they are leveraging against me to my detriment. I was not seeking credit from the dealer, so there was no justifiable cause for them to mis-use the information in my account history. 

The standard practice, according to " DealerTrack '' is to provide the dealer with the following information : [ email attached ] -- -- -- -- -- - We did the final requote and verification for the following : Customer/Borrower : My Name VIN : Last XXXX Digits At the time of requote, the amount owed that was returned from the lender was not within the allowed threshold ( possibly due to payments, fees or other charges to the account that were not settled at the time of the initial quote ) and was refunded to your account. 

You will need to resubmit the transaction in order t receive the title. 

-- -- -- -- -- -- I believe that this disclosure violated my privacy protections under the Fair Credit Reporting Act and possibly other federal regulations.

Company response to consumer: Closed with explanation