vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK
State: IL

Complaint narrative:
On XX/XX/XXXX I called Commerce Bank regarding their attached promotion, Check300, '' Get up to {$300.00} for opening a CommerceRelationship Checking account + a Money Market account1. '', and asked their representative if I could open the Checking account online and receive the bonus, and she asked me what state I lived in and told me that if I opened it by XX/XX/XXXX, I would receive {$200.00} as long as my account was in good standing for 90 days after opening, but if I wanted the {$300.00} bonus I would also need to open a Money Market Account in the Branch. I told her there wasn't a Branch close by, and I was only interested in opening the checking account, and asked her if there was any fees to the checking account, and she said there is a $ XXXX monthly fee that is waived if you have {$5000.00} avg. daily balance. I then opened the account, and called in after 90 days asked why my {$200.00} bonus had not been received, and the representative asked my account number and after checking I was told that the {$200.00} would not be deposited until after 3 full statement cycles. On XX/XX/XXXX, I still had not received the Bonus and called back again, and spoke with XXXX  who verified me and said she would check with those responsible for the Bonus and call me back tomorrow. Not receiving the promised call, I called back on XX/XX/XXXX, and was told that they did not get a response to the email that was sent to the Bonus dept. and they would check with them and call me back tomorrow. Not receiving the promised call, I called back onXX/XX/XXXX, and asked for a Supervisor and spoke with XXXX  who asked me in detail about the online bonus offer I accepted and apologized, gave me her phone # XXXX, and said she would make sure she had an answer for me if I could wait until XX/XX/XXXX, and she would call me early. She called, and said the Bonus Dept. wanted to know if I got a personal letter or email invite for the Bonus offer, and I told XXXX   that as I previously told her I called in regarding the online offer, and confirmed that I was receive it. She said she would get back to me tomorrow. I did not hear from XXXX  and put a call to her Voicemail yesterday, and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed. 

Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, BMO Harris has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011. 

Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.

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 2018-04-13 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: MD

Complaint narrative:
I have disputed unauthorized inquiries that are appearing on my Experian credit reprt and they have not been removed. I have filed an identity theft report, which I attached a copy here. After filing an Identity theft report, and placing a fraud alert on my credit reports, I am trying to have all fraudulent and erroneous information removed. I would like Experian to remove the following inquiries : -XXXX   on XX/XX/XXXX -XXXX on XX/XX/XXXX -XXXX of XXXX  on XX/XX/XXXX -XXXX on XX/XX/XXXX -XXXX XXXX XXXX on XX/XX/XXXX I would also like an updated copy of my credit report sent to my address on file once this information is removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient will not release my co-signers. I have been paying them myself. They claim my payments are late and they cant be! They are issued by automatic withdrawal. First they said I need to pay 15 months and when I applied to release my co signers they said I only needed 12 months of payments. They still refused to release my co-signers. They are never consistent. They always get the wrong amount that I owe and call harassing my co-signers and me even when I have paid on time. My co-signers have complained and have I but nothing changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I contacted Equifax to submit a dispute of N account on my credit report called XXXX XXXX  due to identity theft. I waited 30 days to wait till my dispute was finalized and they told me that the reason they couldnt get t removed wa because the creditor witch is acceptance now verified my name and social security number witch made no sense to me because if someone stole my identity to open up an account of course they have that information. I later contacted the federal trade commission to explain my situation and they gave me an affidavit to submit to Equifax along with my police report so that I can get the account suppressed and in that affidavit it says they have four days to suppress they fraudulent information.I contacted Equifax on XX/XX/2018 to see if they updated my credit report and they told me that they cant remove the account until they submit another dispute witch we already did and they said that it would take another 30 days even tho the law says they only have Four to make the adjustments to my credit profile. The Equifax employee was very rude and disrespectful over the phone with laughter and rude comments witch made me feel like nowbody cared or had any compassion whatsoever about the situation. One of many employees name is XXXX and his employee number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Complete Credit Solutions, Inc.
State: TN

Complaint narrative:
This account was opened XX/XX/XXXX.. I paid what I borrowed XXXX t interest 123.4 % total XXXX or more and this company posted this to my credit report on XX/XX/XXXX saying I ole XXXX and states is was opened XX/XX/XXXX! This is invalid information and needs to be removed of my credit report.. I tried to contact them several times for proof and no one has followed up with my request.

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 2018-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: RK Chevrolet Subaru
State: VA

Complaint narrative:
XXXX XXXX XXXX made seven hard inquiries without my permission and now i cant pull a loan out in my name

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-13 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: NC

Complaint narrative:
Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed.

Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, XXXX XXXX has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011.

Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.

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 2018-04-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed.

Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, XXXX XXXX has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011.

Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed.

Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, XXXX XXXX has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011.

Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.

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 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Recovery Systems, Inc.
State: IA

Complaint narrative:
Capital recovery has called my home number at Least 100 times trying to collect a debt from someone who used to have my number. I have requested them to stop and they keep calling and calling. I have no idea who they are calling for and I have no bad debts. 
their number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Trying to acquire VA home loan and upon checking my credit a student loan that I had received 30 years ago that was supposed to be wiped off my credit report because I am a XXXX XXXX XXXX Veteran is showing up on my credit report and creditor stating it is lowering my score and interfering with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: NY

Complaint narrative:
Recently I pull my credit report and was surprised to see how inaccurate furnishing of information was damaging my credit score. After disputing the inaccuracy with both the furnisher and the reporting agencies, nothing has changed. The information I provided was valid and clearly shows inaccuracies being reported but the agency said it's accurate. It's alarming how you can clearly see inaccuracies yet nothing was done to correct or delete the information.

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 2018-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is over charging interest on credit balances.

The statement with closing date of XX/XX/2018 shows my payments of {$120.00}. and a payment of {$1000.00}. However under the column " Balance subject to interest '' it shows a larger, wrong amount which does not reflect the payments. Bank of America is charging interest based on a larger, wrong amount, thus robbing their customers that carry a balance. The bank also closed another credit card account, without prior notice, even when I had maintained current on all payments. This had damaged my credit, without a cause.

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 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have sent to XXXX  and Equifax copies of my current drivers license along with utility bills showing my correct address and that the ones they have listed other then it are incorrect. Yet they do not remove them, I have sent the proof to Equifax 3 times and each time they claim they need me to resend the proof. I do not understand why they are being so difficult in correcting my address. I have also notified them and ask for proof of several inquiries appearing on my report yet they both just send me canned letters about credit inquiries and nothing proving I authorized them or any thing, this also includes XXXX XXXX in this complaint on the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have been working with LoanCare and have been providing documents to be reviewed for a loan modification. As of XX/XX/XXXX they confirmed they received all the documents they requested and were escalating it to the underwriting department due to the foreclosure sale date scheduled for XX/XX/XXXX. When calling LoanCare this morning, XX/XX/XXXX, they informed me that my application is still being reviewed by underwriting, however, LoanCare has not submitted the request to have the sale date postponed. This would be considered a form of dual tracking and violation of Homeowner Bill of Rights if they are stating they have everything they need but yet are refusing to postpone the sale leaving me with limited options and in a stressful situation. LoanCare has failed to provide me with either a denial ( and the right to appeal ) or an approval so therefore the foreclosure sale can not continue.

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 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Managers, Inc.
State: WA

Complaint narrative:
In XX/XX/XXXX I hired XXXX XXXX XXXX, XXXX to mow my lawn twice a week for the summer for a total of XXXX per month. I received a bill in XX/XX/XXXX for XXXX which I paid. Then in XX/XX/XXXX I received a bill for XXXX and I called the company and told them that I had agreed to twice a month for a total of XXXX and they were charging me for mowing my lawn three weeks in a row which I did not approve. Then another bill in XX/XX/XXXX for XXXX for the same weekly mowing 's that I did not request. I paid for the biweekly mowing 's but disputed the additional mowing 's. The company then turned my account over to XXXX XXXX. XXXX XXXX did not initially notify me of the debt but instead sent a letter to my ex-husband and put the negative information on his credit report. He filed a dispute because he knew nothing about hiring XXXX XXXX XXXX. Once XXXX XXXX realized their mistake they reported the negative information to my credit report. The initial balance was XXXX and they keep raising it, now my credit report shows an outstanding balance of XXXX. I have talked to XXXX XXXX several times initially telling them it was not my debt because I never agreed to weekly mowing 's, only biweekly mowing 's but they said I still owed since the company did the work. I did not sign the contract and it was a verbal biweekly agreement that wasn't honored by XXXX XXXX XXXX. I would like the debt removed and for XXXX XXXX for remove all their information from all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I attempted to get a lower interest rate on my HELOC that BOA was advertising. After spending weeks answering questions and filling out paperwork the bank told me my house was not worth {$120000.00}. Therefore, they could not give me a line of credit for {$100000.00}, which was way more than I wanted to borrow. However, they would not give me the lower interest rate unless I could borrow up to that amount. I told them never mind but then they told me my old HELOC was no longer valid and made me sign for a new one I did not even want at a much higher rate. 

There is no balance on this account and I tried to close it because it was increasing my debt to income ratio. I called " XXXX '' on XX/XX/XXXX and she informed me they would close it and when I asked about any fees, she told me there were none associated. Reference # XXXX. I went to the bank a few weeks ago and talked to XXXX XXXX. He explained that my LOC was never closed and when we called their department, they claimed I had to pay a {$74.00} fee. I did not have my reference number. 
Subsequently, ( XX/XX/XXXX ) I called and spoke to XXXX at BOA. I provided the reference number and explained the situation. He told me it was a county fee and I had to pay it. I asked for a supervisor and was left on hold for over ten minutes. When he returned he said the supervisors were too busy to speak to me and too bad pretty much. Therefore, I thanked him and advised him that I would file a complaint. 

Significantly, I had went to XXXX a few months after applying at BOA for a HELOC and they estimated my home 's worth at 150 - 165,000. As a result, I think that BOA is conducting a bait and switch scheme by offering low HELOC rates and then duping the applicants into believing they do not qualify or their home is not worth enough. I have excellent credit so they could not disqualify me there, instead they claim my house isn't worth anything. Consequently, they then talk you into a much higher rate. And just to add insult to injury they want a fee of {$74.00} when I try to close it. Why had XXXX said there were no fees and now all of a sudden there is one? Also, don't they record your conversations for quality assurance? That's what the recording says ...

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 2018-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment of XXXX to close the loan. It has 149 days and counting And still I can not prove I own the home I live in.

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