vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: OLD NATIONAL BANCORP
State: WI

Complaint narrative:
I visited Old National Bank branch ( address : XXXX XXXX XXXX XXXX, XXXX, WI XXXX ) on XX/XX/2019, and Ms. XXXX XXXX helped me open the checking account with {$200.00} promotion. I clearly told her that the promotion was seen on Old National Bank web page when I showed her the web page printout before my account was opened. As I checked the fine prints on the page that there was no specific statement for eligibility, so I mentioned this to Ms. XXXX, and she confirmed that I should be eligible for this promotion. 
My account was opened successfully in the branch ; before I left, I asked Ms. XXXX if the code for the {$200.00} had been applied to the system during my account was opened, and she said she remembered no code was needed during the promotion period, but she would double check with her colleagues the next day, and would follow up with me later. However, I never heard from her saying anything in XX/XX/XXXX. and XX/XX/XXXX., so I followed the instructions to fulfill the requirements towards the bonus, including electronic statement enrollment, direct deposit set-up, and debit card transactions. 
After all the requirements were met, I sent Ms. XXXX an email on XX/XX/2019 to confirm whether all requirements were met ; however, in her reply email, she asked me to remind her if I received the flyer in the mail, and claimed only those who received physical flyers were eligible. This is obviously inconsistent with what she told me when I opened the account regarding the promotion eligibility, so I helped her to recall what actually happened when she opened my account ; because it was not my fault, but Old National Banks error for misleading customers in the situation, so I should not be responsible for losing the bonus. Therefore, the bank should honor the bonus as promised during my account opening. Also, since her email said differently with what she told me when I opened the account, I suggested her check surveillance camera in the branch to confirm what I was informed ; but she insisted that she personally could help nothing on the bonus, and she would escalate the issue. On XX/XX/2019 ( over two weeks from my first correspondence ), I emailed her that if I did not receive any progress from the bank on this issue in one more week, I had to file a complaint against the bank to get my bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: MA

Complaint narrative:
The XXXX  XXXX account opened on XX/XX/2014 on my Experian credit report is being reported inaccurate, there are late payments reported on that account and I was never late on any of those payments. Delete the account for inaccuracy.

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 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received two emails from Regions Bank stating that if I opened an online checking and savings accounts ( and some other criteria stated in the main body of the email and in the fine print ) that I would be eligible for a {$400.00} bonus. When I called Regions Bank, they told me that I was ineligible for this, since I do not reside in a state where Regions Bank has a physical office. 

This additional requirement is nowhere in the above-mentioned emails. It is also not on their website ( to the best of my knowledge. )

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 2019-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
I have a loan through LoanPal for solar panels. The original loan was for {$36000.00}. The first statement was XX/XX/XXXX. The interest rate is a fixed rate of 3.99 %. I have noticed a wide variability with the monthly interest charged to me while I pay the loan down. Some months the amount of interest increases while I make significant payments to the principal. For instance, my XX/XX/XXXX statement showed and outstanding principal balance of {$27000.00}. The interest charged on that statement was {$88.00}. For XX/XX/XXXX, my principal loan balance was {$27000.00}. The interest charged was {$86.00}. In XX/XX/XXXX, my outstanding principal balance was {$26000.00}. The amount of interest I was charged was {$110.00}. The slight decrease from XX/XX/XXXX to XX/XX/XXXX would make sense with a fixed rate loan. The jump of over {$30.00} in interest from XX/XX/XXXX to XX/XX/XXXX despite paying over {$1800.00} towards the principal the previous two months does not. I will attach all statements that I have available to me along with my complaint. I tried emailing the companys customer service department on Monday XX/XX/XXXX, and I didnt receive a reply. Today ( XX/XX/XXXX ) I spent nearly 20 minutes on the phone this morning with the LoanPal customer service department. They assured me my loan is a fixed rate, and the amount of interest I pay should decrease as I pay more down on the principal. They were unable to answer me why the interest charged increases some months despite me paying down the principal. Their customer service representative encouraged me to get in contact with an accountant. I am filing this complaint after speaking with someone over the phone at your agency. I am concerned that LoanPal is utilizing shady lending practices, and would like some follow-up done.

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 2019-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
The loan was transferred from XXXX XXXX  XXXX to SN Servicing. 
According to what was told to us it was transferred in XX/XX/2019. We received no correspondence. In XX/XX/2019 we started to receive numerous collection calls. 
We have a authorized third party reaching out to SN Servicing on our behalf and they could not speak to anyone on the loan. Before we were made aware of the loan servicing transfer we could not get any information on our loan transfer from XXXX and no information from SN Servicing. After numerous call from the asset manager. 

On XX/XX/2019, the asset manager, sent a request of a {$10000.00}. payment on the account. The statement that we received from SN Servicing does not show or reflect a {$10000.00}. payment that we made on the loan. 
A payment of {$10000.00}. was paid on this account Ck # : XXXX on XX/XX/2019. 
Where was the payment applied? What is really owed on our loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: NV

Complaint narrative:
My identity was used to to open a XXXX XXXX  credit line. 

Equafax was notified it was fraud from the credit provider and it is still showing on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I enrolled in Freedom Debt Relief I have called them several times asking them to remove me from the program and they do not do so. Every time I call I get a different story. The last call was on XX/XX/2019 spoke to someone in leadership who told me that if they closed my account with them they would keep the {$1400.00} that is in my account. Because I owned them {$2900.00} from a settlement negotiation that they had done with XXXX XXXX this is not true the settlement was done by the Attorneys from XXXX XXXX XXXX XXXX. I am paying the settlement directly to XXXX XXXX Freedom Debt relief has not done anything with regard to XXXX XXXX. They currently pay for two settled accounts which they have already collected there fees and they refuse to cancel my account and refuse to return my money. I have any and all required documentation to this regard and they also record all conversations which can clearly proof what I am saying. I have the names and dates of all of the persons that I have spoken with in Freedom Debit Relief these calls and emails go back to XX/XX/2019 and they still have not done anything to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
For the past year, my attorney and I have been able to somehow succeed with a mortgage modification through or with Shellpoint mortgage services. The modification should have been finalized in XX/XX/2019? However! I have little to nothing provided to me via Shellpoint reflecting the finalization. Unfortunately as of XX/XX/2019 I have yet to receive the new modification agreement! However the expectation to continue my over inflated payments has not stopped, and although my mortgage is now " supposedly '' brought current, I'm still dealing with a debt collection agency being " Shellpoint ''!? I'm now being told that I'm 1 month behind in payments and that on XX/XX/2019 an attempted account withdrawal by Shellpoint had been denied. Well, there was enough to cover the transaction on the date indicated, in the account assigned for the withdrawal. Also to further back my complaint, there is absolutely nothing showing within my account that would depict the failed attempt. No NSF notice from my bank, no call, email or mailing from Shellpoint. Nothing!! 
Also, within the supposed modification agreement, the new rate of interest being charged to me is a whopping 5.75 %! In a current market where mortgage rates are being written at 3.5 % or less I find the 5.75 % rate to be unsettling and unjustified. We have also received notice the case hads been dismissed in it's entirety without prejudice. However! There is no case docket listed within the county clerks records?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX someone must have put an electricity bill in my name. I lived in a 2 family home and I was completely unaware of the bill. XXXX XXXX XXXX says that I owe them {$770.00}. And it went into collections with CONVERGENT OUTSOURCING. When I tried to dispute this case in XX/XX/XXXXthey said that all of the information matched but I was still unaware of the bill until recently a few years ago receiving a bill at my at my current address. I tired to explain this to the collection agency but they didnt care, they said all the information matched. Yes the information matched but I was unaware that someone stole my identity and opened a Electric bill in my name. It isnt fair that I have to suffer because someone stole my 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 explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XXXX XXXX ... My wife and I purchased a home ( XX/XX/XXXX Closed on the Home ) ... we went through Champions Mortgage ( Seminole Branch ) originally. The loan was denied 2 weeks prior to closing ( we were sent a Denial Letter ) and my wife and I found a different Lender ( XXXX ) and completed the purchase on XX/XX/1st2019. On XX/XX/30th2019 I received an email from Champion Mortgage Processor that included an autorization form for Fees they want XXXX and I to pay. I contacted Champion Mortgage stating the charges are unwarranted. A XXXX XXXX ( Branch Manager from the XXXX Branch ) contacted me via email ... I responded and she did not reply. I am a client of XXXX XXXX XXXX XXXX  XXXX XXXX  ( XXXX ) so I contacted XXXX XXXX XXXX the Center Manager yesterday XX/XX/XXXX to inform her of the issue. Mrs XXXX took charge and was contacted by XXXX XXXX and informed that this charge was a mistake and that Mr XXXX XXXX from Champion Mortgage was fired due to this matter. I did not receive any email from Mrs XXXX concerning the issue. I called today XX/XX/XXXX and spoke with Mrs XXXX and she apologized ... but when I asked her to email me with the apology and provide in the email that the charges are invalid ; Mrs XXXX was not happy. She the PROCEEDED to contact my Employer, My Boss at Work to discuss with my employer!!! UNREAL!!!! I find this action  beyond ludicrous and 100 % unacceptable. This Company needs to take action against this Branch Manager who is  going around contacting former clients employers. I am beyond upset and I request a formal investigation. XXXX XXXX XXXX XXXX Any and all documents will be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was traveling for work and someone stole my information and now i have fraudulent accounts opened under my identity. Please remove these issues immediately.

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 2019-11-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Attached please find a second copy of my FTC Identity Theft Report which I mailed to all three credit bureaus and emailed to Bank of America on XX/XX/XXXX after being advised by the FTC to submit it along with copies of my driver license, social security card and most recent utility bill with a letter that outlined these same accounts which I attached. The accounts are Bank of America acct no. XXXX and account no. XXXX. After speaking to the FTC again today after receiving a report with the accounts still listed I was directed by the FTC to file another complaint. The FTC directed me to a section of their website called Knowing My Rights ( attached ) under subheading pertaining to credit bureaus which states : Get credit bureaus to remove fraudulent information from your credit report. This is called blocking. You must send them a copy of your FTC Identity Theft Report, proof of your identity, and a letter stating which information is fraudulent. Then the credit bureau must tell the relevant creditor that someone stole your identity. Creditors can not turn fraudulent debts over to debt collectors. I am attaching. I have done this and mailed this information on XX/XX/XXXX the credit bureaus are ignoring it. I have also sent My FTC Identity Theft Report directly to Bank of America. Under the FTC section Knowing Your Rights, Communicating With Creditors it states : Stop creditors and debt collectors from reporting fraudulent accounts. After you give them a copy of a valid FTC Identity Theft Report, they may not report fraudulent accounts to the credit reporting companies. Apparently neither the credit bureaus and Bank of America are ignoring the Federal Law and continuing to report fraudulent accounts. According to what I have been told by the credit bureaus and by the FTC Bank of America will not remove these accounts because XXXX and his XXXX friends linked these accounts to the only account I had which was my checking account and made payments until XX/XX/XXXXat which time he was caught by a XXXX County Sheriff ( 2 reports attached ) and dumped. Also noted on my FTC Identity Theft Report is fraud with Bank of America dating back to XX/XX/XXXXwhen my purse was stolen in XXXX XXXX, and closed down and a new checking account opened in person in XXXX, Texas. There were no credit card accounts. 

Please remove these accounts.

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 2019-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX XXXX got me into a loan I could not afford due to falsely advertising and submitting false income information about myself

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One : Was charged a late fee for XX/XX/XXXXand XX/XX/XXXX because I made the payment after their cut off time of XXXX XXXX. It does not advise me on the website that it MUST be made before XXXX XXXX, just that payments after this time will post the next day. I work later, and was unable to make it before then. When I called to request it be removed they advised they couldn't do that because one was already waived earlier this year. Though the one that was waived was communicated with them that it would be late because my bank was sending a check for the balance at that time. They use to be about customer service, and now they are not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
ON XX/XX/2019 The Alabama housing authority contacted me regarding my mortgage telling me i was behind on my mortgage. I looked at my accounts and it showed that they have been drawing out the payments, and not applying them to my mortgage. They explained this was because of a system error, and they let something expire, so now they have told me that they are going to try and fix it but this I am sure has already hit my credit report, and that isn't my fault. They pulled my money, over 1000 a month, and I am sure have filed it against my credit. If possible please investigate, as that isn't fair and is coming across as extremely shady as a business practice. I want my credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I received a medical treatment at the XXXX Hospital in XXXX XXXX CA back in XX/XX/2017, All the bills were submitted to my medical insurance XXXX which processed the claims and paid what was allowed. 
Months later, I started receiving collections calls from CMRE. XXXX stating that XXXX XXXX XXXX XXXX of the XXXX XXXX Hospital has a bill of {$1200.00} that I need to pay. The same bill has already been processed by my insurance and said the charge was too high but only {$200.00} should be the allowed amount. 

I tried getting more information from the CMRE collection agency but they referred me to talk to the hospital instead ; I then called the hospital which insisted my account has a {$0.00} balance due, all my bills have been paid but asked me to check with XXXX XXXX XXXX personal office about any outstanding bills. I called the Dr office and the assistance told me there was nothing in the system referring to any amount of money owed to them. 

Therefore I called CMRE back again to request the immediate removal of the collection on my account which they refused. 
This false collection has been on my account since XX/XX/2017 and  hampering my ability to maintain a good Credit Score for a loan. 

I need this mater taken care of as soon as possible so I can focus on other aspects of my daily life and future. 

Thank you http : //www.cmrefsi.com/ NameCMRE. XXXX Phone ( XXXX ) XXXX Business TypeYC Street AddressXXXX XXXX XXXX XXXX XXXX XXXX CityXXXX StateXXXX ZipXXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
This company keeps contacting me for debts that are my ex-spouses, I am not responsible for these debts and held harmless from them, this is justified by the court order signed by the judge, they are also reporting them to my credit report and I want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: TX

Complaint narrative:
Experian is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.

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