vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: UT

Complaint narrative:
I use Key Bank bill payment services to pay my monthly home mortgage payment to XXXX XXXX. Twice in three months, the funds were removed from my account as scheduled, but not received by XXXX XXXX for weeks after withdrawn from my checking account, and resulting in hundreds of dollars of late fees for the two late payments. I have tried to resolve with Key Bank on multiple occasion with no success. Very frustrating. The Key Bank " BIll Pay Guarantee '' is worthless. 

The first payment of {$2500.00} was scheduled for XX/XX/XXXX and debited to my checking account on that day. The due date wasXX/XX/XXXX XXXX XXXX did not receive payment via check until XX/XX/XXXX 

The second payment of concern of {$2500.00} was scheduled and debited to my checking account onXX/XX/XXXX. This payment was not received by XXXX XXXX until XX/XX/XXXX 

The Key Bank bill payment Guarantee is copied below. I clearly met the guarantee criteria, but get nothing but a run-around with no helpful explanation or answers from Key Bank.

To take advantage of the Bill Pay Guarantee*, and ensure that your payments will be received accurately and posted by your payee, schedule your payments as follows : For electronic payments, you must schedule your payment at least 2 business days before the due date.

For check payments, you must schedule your payment at least 4 business days before the due date. 
For payments made to KeyBank and display a 'Key ' icon, you must schedule your payment on or before the due date.

Ensure that the payment information entered is accurate and enough time is allotted for processing based upon the guidelines above.

If payments are made within the guidelines of the guarantee and KeyBank does not properly complete a bill payment on time or for the correct amount, KeyBank will pay any late fees and finance charges that result solely from that failed bill payment and send any correspondence necessary to rectify credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: AES/PHEAA
State: MA

Complaint narrative:
XXXX XXXX reported 9 delinquent accounts on my credit that lowered my score drastically. These loans are supposed to be under my Dad 's name as he is the one paying the loans. His phone number and home address are listed on the account. The first time I tried to resolve with the company I was rudely hung up on my one of their representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: TX

Complaint narrative:
My loan defaulted with XXXX XXXX XXXX XXXX XXXX. The company has not made it easy for me to negotiate a repayment schedule and they also will not listen to my life situation. My loan defaulted, and I did not agree with the decision that the loan should go into default. I made a payment within the daily limit. Great Lakes has been sending communications about my student loans and default to an address that I was evicted from in XX/XX/2016 ( XXXX XXXX XXXX XXXX, TX XXXX ) and continues to call the address. My father also took fund from my account without my permission, further complicating my situation. My family lives there and they have no interest in helping me. I have not had a consistent home or phone service since. They had my tax refund " offset '' ( {$2.00} ), which I need to pay my rent NOW because I have been served a notice to vacate. I need my refund immediately so that I do not get evicted again, which will further damage my credit and just make my life even harder. Great Lakes has continued to apply fees ; and now that the loan has been in default I have tried to contact them and they did not give me ANY options until I found out how to write a complaint to the CFPB. When they found out I knew how to do this, they submitted a " hardship packet '' which takes THEIR average family income, which should not apply to me because I am in a " special '' circumstance. Great Lakes also refused to tell me which company I should put into a complaint with the CFPB, and they then refused to clarify who now serviced my loans, delaying me even further and further complicating my financial issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Nelnet has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: MA

Complaint narrative:
XXXX XXXX reported 9 delinquent accounts on my credit that lowered my score drastically. These loans are supposed to be under my Dad 's name as he is the one paying the loans. His phone number and home address are listed on the account. The first time I tried to resolve with the company I was rudely hung up on my one of their representatives.

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 2018-05-01 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: AES/PHEAA
State: MI

Complaint narrative:
My credit report shows 90 days to 120 days delinquent status for my student loans through XXXX XXXX. After providing proof to XXXX XXXX that my student loans should have been in forbearance during the months of XX/XX/XXXX and XX/XX/2017, XXXX sent me a letter agreeing that my student loans were retroactively placed in forbearance for the months of XX/XX/XXXX and XX/XX/2017 ; however, XXXX is refusing to remove the delinquent status from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I do not have enough room here so I'll keep it to the bare minimum. In XX/XX/XXXX BofA granted us a loan modification. They did not honor the new payments. According to the most recent " reason '' they did not is they claim the payment amount was not enough to cover the escrow account. I have a letter from BofA that I received in XX/XX/XXXX showing that there is {$44000.00} ( that's XXXX ) IN THE ESCROW ACCOUNT. Right now. It seems to me that this agency, CFPD, is not for the consumer and does nothing but defer to the company there's a complaint about. I have had thousands of conversations with BofA and not one person seems to know what's happening! They rescinded the UNLAWFUL foreclosure that they did in XX/XX/XXXX due to the fact that it was " invalid due to an agreement between the borrower and the servicer prior to the foreclosure sale. '' THEIR WORDS. They NEVER TRIED TO RECTIFY THAT MISTAKE! They have spun up whatever story they see fit as to why they can illegally foreclose. I was making the required payments under the modification agreement!!! The last administration gave Billions of dollars to the BANKS to fix the problems they caused. They have done no such thing. I have all documents to prove that I did nothing wrong!

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 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lending Club Corp
State: IL

Complaint narrative:
Lending Club Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I pay the collection agency what i owe them and they refused to remove it from my credit report. They are not the only one that have rights, If a consumer pay their dept than a should be removed and not stay have collection on the report. What give the creditors the right to control someone life and future for seven years? I have disputed with all three credit bureaus but only XXXX and XXXX are a bit cooperative, XXXX only listen to what ever the creditors says and the consumers can never win with them. 

1. XX/XX/XXXX amount {$460.00} 2. XX/XX/XXXX amount {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: AZ

Complaint narrative:
Not credit reports exist with XXXX  & Equifax. I have 2 secured credit cards, an XXXX store card and a credit building loan. At this time I do have XXXX reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weinberg Mediation Group LLC
State: NY

Complaint narrative:
Repeated calls from different phone numbers to my parents home phone number and my cell phone number. Latest phone call to my parents was from a number that showed up as pay phone # XXXX with a recording in males voice that states either they are XXXX XXXX   XXXX or XXXX XXXX and they dont ask for anyone by name or state what theyre calling regarding just that if you dont call # XXXX back today that they have no choice but to take matters to the appropriate jurisdiction against you because youve been uncooperative in addressing the legal matters against you. You must make payment arrangements immediately to avoid further prosecution. 
Weve no idea what this is in relation to or who theyre calling for. Weve googled this and apparently its a scam to get you to send them money in some cases illegally and on others its listdd as debt collector who is taking illegal methods to try to solicit money in illegal manner. They switch up the number they call from but continue to call several times a day for a couple months now. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I opened an account with American Express under the following terms, as confirmed by their own customer service representative and in my card contract : " XXXX bonus miles after {$2000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. An additional XXXX bonus miles ( for a total of XXXX bonus miles ) after an additional {$1000.00} ( for a total of {$3000.00} ) in qualifying purchases are made on the Card within the first 6 months ( 183 days ) of Card Membership. A {$50.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. '' The terms of this offer were met by XX/XX/XXXX. As an example, I spent {$2200.00} in my third month of card membership ALONE. My account was not credited with the award miles within the one-two billing statements quoted in the contract. I opened an issue with the customer service on XX/XX/XXXX. I was told to wait 6-8 weeks for this to be resolved. During this time, I never received an update or resolution. After opening an initial complaint with XXXX, I received a letter in the mail " response '' that essentially asked me to continue to wait. After 8 weeks had passed, I again checked on the status of my issue. I was informed the case was closed as a result of me contacting the XXXX. I was then told to wait an additional billing cycle. This was on XX/XX/XXXX. My next billing cycle began XX/XX/XXXX. I contacted the company today, XX/XX/XXXX. American Express now states that their resolution team is working on the issue and will contact me when there is a resolution. There is no quoted timeline for resolution, despite having had over 12 weeks to work on this issue. The resolution of this issue is very simple. All that needs to happen is for an individual to look at my first three credits to confirm that I spent well over {$3000.00} on this card in the required time frame. This should take less than 5 minutes. There is absolutely no reason this could not have been accomplished in the last 3 months. I feel American Express has not followed through on their terms of the contract, is using stalling and stonewalling techniques to continue their lack of follow through, and has not made any forward movement on this simple, outstanding matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Not credit reports exist with Experian & XXXX. I have 2 secured credit cards, an XXXX store card and a credit building loan. At this time I do have XXXX  reporting.

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 2018-05-01 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: TX

Complaint narrative:
Dispute submitted to Equifax in XX/XX/XXXX for inaccurate reporting of two collection accounts named under XXXX XXXX. Equifax responded with the following statement '' more detailed information will need to be given in order to process. '' The following specifics detail the company and complaint : 1 ) XXXX XXXX @ XXXX Acct # XXXX for the amount of {$48.00} 2 ) XXXX XXXX @ XXXX Acct # XXXX for the amount of {$37.00} Original complaint : Two collection accounts under the name of XXXX XXXX from XX/XX/XXXX had been removed 4+ years ago has now reappeared or reinserted on my credit report. The amounts are as follows : {$48.00} and {$37.00} dollars. I have disputed for removal and I now am filing a formal compliant for I was not notified via mail nor via email that adverse items would be reinserted on my credit report within 5 days of reinsertion. Please review my case and have Equifax remove the negative collections immediately from my report as this is a violation of Fair Credit Reporting Act ( FCRA ), a credit bureau can not reinsert an item on your credit report without notifying you within 5 days of the reinsertion in writing. I was not notified. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have sent request by mail and still company repeatedly keeps calling me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Hello, my problem is with XXXX/ XXXX of XXXX Florida . I moved into my new apartment at the beginning of XX/XX/2018, few months ago. I transferred my XXXX account from prior address to new. In doing so, they claimed I owed them XXXX dollars. I told them I did not. They kept pushing so to stop them I sent the XXXX dollars. About a month later they sent me a check for XXXX dollars, overpayment. After I paid them for the first month, XXXX, I started getting calls for late payment and eventually I was receiving 3 to 5 calls per week from them by humans as well as recorded calls threatening to turn my service off. Even after explaining to the person XXXX received and cashed my check they didnt believe me. By the second month the calls got worse. Again I paid them XXXX for the second month ahead of time but the phone calls got worse. They were claiming I did not pay anything by this time. I went to the bank and got copies of both checks paid to them. By this time they turned my service off. I took their equipment and my cancelled checks to them. They made copies to keep, put the info in her computer and said no problem, this will be the last of the harassment. Now I am getting calls from a collection agency and they dont care it was paid and dont want to hear it. He recommended I pay it again to end it. I do not know what else to do but to file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2018 I started receiving notices that my credit was being checked by XXXX XXXX car lot. On that day I was at work and did not authorize anyone to run my credit nor am I in the market to purchase a new vehicle. I attempted to contact the manager at the XXXX XXXX car lot and he hung up on the phone on me and after repeated calls, I was left on hold for no one to return to the phone. Ive attempted to reach out to the banks and I was told to submit a letter to the credit companies which Ive done. After calls and letters each company keeps referring me back to the other and ultimately Im getting no where. I even ask them to update my employer because on the same day XX/XX/XXXX, XXXX XXXX was added as my employer and Ive never worked for XXXX. All other inquiries are mine eco the one from XX/XX/XXXX. Ive added the fraud alert to my report but Im not having any luck getting the unauthorized inquiries removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: TN

Complaint narrative:
My problem is with equifax, this started early spring of XX/XX/XXXX. They report things on my credit that are seriously wrong, and they refuse to fix or show me proof under the federal guidelines of how they are saying this is correct on my report. 
For example they show a XXXX XXXX that was made in XX/XX/XXXX, it was not with this company it was with XXXX which is out of Buisness for at least 7 years. They tell me I have to call the companys reporting this, also wrong addresses that I have never lived in those citys, and my full name is wrong as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: FL

Complaint narrative:
When I opened up my PNC business checking account I was enrolled in the following promotion : Earn {$300.00} with a business checking plus account when you complete the following requirements : Maintain the minimum average cycle balance of {$5000.00} for each of the first 3 statement cycles Make at least 10 total qualifying PNC Bank Visa Debit Card transactions and/or PNC Bank Mobile Check Deposits [ 3 ] within the first three statement cycles ============================================================== However I have not received the {$300.00} after 4 statement cycles. Upon inquiry, PNC rep stated because the first month ( in which I opened the account ) I did not have {$5000.00}, I did not qualify. It is unreasonable to assume that customer would have the {$5000.00} balance when the first statement closes right after opening and I have to set up direct deposit and ACH.

Company response to consumer: Closed with explanation