vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase Credit card charged foreign transaction fee without consumer notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: CT

Complaint narrative:
On XX/XX/2017, I attempted to close my checking account at Key Bank and since the bank charges for a bank check, the teller suggested I take the amount in cash. I received {$3700.00} mostly in {$100.00} bills. I counted the money before leaving the teller and placed it in an envelope provided by the bank. I went from there directly to XXXX XXXX XXXX  to deposit in my savings account. When the teller counted my cash she immediately determined that one of the bills was counterfeit and confiscated it. They called Key Bank as a courtesy to check if they had any other bad bills. The next day I went to Key Bank to see what they would do and after profusely apologizing, they said the first thing they needed was proof that the bill was counterfeit. I stopped again a couple weeks later and was told that after checking with someone in a main office they were told that once I left the bank it was my responsibility, not theirs, and they were not going to do anything. 
The problem is, I know they gave me a bad bill, and the local branch knows they gave me a bad bill, but the official word is " We are not responsible ''. So I am out {$100.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP

Complaint narrative:
I have been accessing my account normally for the past year except now for the past week ( XX/XX/2017 ), the key.com website does not open and consequently I can not log in to my account. The notice given is " Error has occurred, page can not be found or does not exist ". For the past week I have been in touch with Key Bank Customer Service with out result. I live in XXXX XXXX, XXXX, and checked in several other States all resulting in the same problem. The conclusion I have come to is that there is a problem with the key.com website that does not allow it to open in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC
State: OH

Complaint narrative:
I took out a loan with XXXX and notified them on XXXX that I wanted to pay the loan in full on XXXX. On that day they took out the amount of {$3700.00} which was the pay off of the loan but they also took from my bank account a regular bi-weekly payment of {$230.00} which was an overpayment. They 've admitted the mistake but wo n't refund the money back to me unless I provide them with my most recent 30 day bank statement. My last bank statment was dated XXXX so this would not show up on it. I sent them a transaction list from my account that clearly shows both payments and has the last XXXX digits of my bank account showing on it. They claim this is n't proof of the additional payment even though it clearly shows it is. They should be able to see on their end as well as when I pull up my account is also shows the additional payment. They know they took the payment. I should n't have to wait to get money back that they took that was n't owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: KEYCORP
State: KY

Complaint narrative:
A title loan ( refinance ) was opened on XXXX/XXXX/XXXX with Key Bank. This institution is based in XXXX, Ohio. I live in XXXX Kentucky. There were branches nearby at the time of taking out this loan. Since this time, all Kentucky branches have closed. 

The account was paid in full ( online ) on XXXX XXXX, XXXX. Since this payment was made, Key Bank sent a Lien Termination letter with notarization, but did not otherwise seek to release the lien with the XXXX XXXX Clerk 's office. 

On XXXX XXXX, XXXX, I traded this vehicle at a dealership in XXXX, Kentucky. Since this time, both the dealership and I have tried to release the lien on the vehicle with no success. 

Kentucky requires that form TC XXXX ( as required by the Kentucky transportation cabinet ) be completed by the lien holder and will not accept a lien termination letter. 

Key Bank does not have this form on file and has failed to attempt to release the lien. They have only sent extra copies of the lien termination letter. I have been forced to fill out this form and fax to Key Bank with the hopes that they will comply and fax a copy, with a forwarded original to the XXXX XXXX XXXX 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: SC

Complaint narrative:
I have a XXXX XXXX XXXX XXXX account. It shows a late payment on this account that is NOT correct. I have disputed this with the credit bureaus and also with XXXX XXXX directly. They claimed they investigated this and they are reporting correct information. There is NO way this is true. 
It was paid off and the last payment made was in XXXX of XXXX. I was told this on the phone with XXXX XXXX and then it shows this on my credit report. Some how they then claim I made a late payment 2 months after this account was paid off. This is impossible to have occurred. I tried to tell them this over the phone and they refused to speak with me about it over the phone. They said that I had to send a letter to their dispute center. I did so and explained there was no way this could have happened and it has STILL NOT BEEN CORRECTED. 
I tried to explain this to the credit bureaus and to XXXX XXXX and they have refused to change this and they have left me with no options to get this corrected. What they claim is not possible and I have no documentation to support this because there were NO PAYMENTS DUE after XXXX of XXXX. TransUnion accused me of being a liar, and that was supposedly a manager of TransUnion. 

I am very frustrated because this account is causing me great harm and has been for a while now. I want this account removed now! I would also like something to be put in place to help others in this situation. There needs to be an easier way to resolve these types of situations without having to file complaints to get someone to listen to you. I have spent hours of my time and money arguing this with them and this is COMMON SENSE! It is NOT Possible to have made a late payment 2 months after he account was paid off and the last payment was made. There is NO WAY ANYONE INVESTIGATED THIS because if they had, they too would have realized this is a false claim.

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 2017-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XX/XX/XXXX I found my XXXX XXXX XXXX Account in the glove box of my truck I traded in and in the book stated that I had {$830.00} in the account as of XX/XX/XXXX. I went to Santander Bank who merged with XXXX XXXX and talked with the customer service rep. who did a check of the system and could not find any information in their computers of the account using my name, date of birth, social security number or the account number. several months passed and I went back to Santander Bank who stated that they only keep records for 7 years and that they had no record of the account and that I should have received a letter advising of the merger and to come and get my money. I never received any letter from the bank and I was also advised to check with the state at Unclaimed money for Pa. in which I checked twice all with negative results. My state Rep did also check with no luck. In XX/XX/XXXX a man from the bank named XXXX XXXX XXXX stated that they sent me a check in the amound pof {$830.00} on XX/XX/XXXX in which I never received. I requested from the bank several times a copy of the check with my signature on the check cashing the check in which the bank states they do n't have. 
.

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 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Additional accounts have been added to my credit file but score hasnt changed. Since XXXX XXXX the following accounts were added : XXXX XXXX XXXX. Opened XXXX. XXXX XXXX {$20000.00}. 
XXXX XXXX. Opened XXXX. XXXX XXXX {$25000.00}. 
XXXX XXXX XXXX XXXX. Opened XXXX. XXXX XXXX {$10000.00}. 

These additions to my credit file have changed my total credit to {$120000.00}, lowered my utilization to 7 %, and my age of average accounts has changed yet Experians credit monitoring has not shown a change in my score.

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 2017-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I am trying to pay off my car loan about 6 months early. Bank of America seems to purposely make paying off a loan difficult possibly in the hope that customers will make a mistake in paying it off and either continue to be charged interest or get nailed with an extra fee or fees. 

Every payment I 've made has been online. However, to make the final payment they require you to send them a physical check to a specific address and alter the check with your account number etc ... They do not offer you the option to pay online, it is not one of the options listed over the phone nor do they have any reasonable explanation for why any other financial transaction on the loan is able to be done online but they make the payoff difficult. 

Sending a check through the mail could have a delay, and if it takes a few days the customer is beyond the payoff quote date. This would mean that they have another few cents in interest. That in turn would turn into a large fee if the customer thinks they 've paid off the loan and does n't realize they 've added a XXXX cent charge. After 30 days you have a fee, after 60 it 's compounded until a customer could end up with hundreds of dollars in fees. Additionally, paying online would guarantee that everything is clear. Asking a customer to write their account number on a check is one more situation where the Bank can claim there was difficulty in reading the number and cause more delays. There is no other explanation but wanting to give a customer the possibility of racking up more fees, and to also discourage the customer from paying off a loan early for why B of A does not allow the same form of payment for the payoff it does for all other payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
The loan borrowed started in XX/XX/XXXX, I never knew that my loan was a private loan stating the original loan came from XXXX. I am now in repayment, over the time I was not in repayment interest has been added on which seems to be daily at a rate of 10.5 % which started at 9.95 % I never knew that the rate was a variable rate until this recent month as I began to look over my statements and to why my payment continues to get higher each month. 
I borrowed {$15000.00} dollars to my knowledge in XX/XX/XXXX and during the time i left the school due to financial issues. Here now it is XX/XX/XXXX and the account on the AES website states I owe them {$29000.00} with repayment for 142 months of {$370.00} Paying a total of {$53000.00} to them for {$15000.00} that i borrowed that is down right sick!! So now facing this issue of not knowing what my payment maybe within the next few months due to a variable rate and how they do things to their terms without proper documentation. 
I asked AES for the master promissory note i received 8 pieces of paper that 1. ) had the wrong amount on it, 2. ) missing pieces of paper to complete the whole master promissory note,3. )  Information blanked out that AES claims is to protect me, I was told by XXXX ID # XXXX on XX/XX/XXXX That the information that is blanked out is to prevent the mail being intercepted into the wrong hands. Also with the missing documents of my 3rd disbursement that has been calculated into my loan, XXXX did advise me to call my school to check the financial records of the disbursements. They do not have the proper documents to continue to pursue the loan. The company and individuals I have spoken with have basically been rude, unprofessional, the loan information is very misleading, predatory with interest rates as high as they please. This company is a thief and the people who work for them have covered their lies of documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Submitted dispute regarding missing mortgage payment on my credit report. ( Transunion ) on XXXX/XXXX/XXXX. I submitted additional information that was requested on XXXX/XXXX/XXXX. I received a letter stating that the investigation would be completed on or before XXXX/XXXX/XXXX. I still have not received results of this dispute, as of XXXX/XXXX/XXXX.

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 2017-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
This is my third dispute on this company XXXX XXXX XXXX. This company is trying to collect a debt that is not mine! They are playing games with my credit reports! I will dispute it with CFPB and the credit reporting agency will remove it because it 's not my debt! But then the XXXX XXXX will placed it in another credit bureau a week later! I 've disputed this from my XXXX, XXXX and now XXXX credit report! This is not my debt and I 've proven that I 've lived at my current address 2 years. I never authorized anyone to use my information to obtain credit or utility services! And they always place it in a credit report without giving me a right to dispute which is against the law. They have sent me no notices which is required by FCRA laws asking me if this is my debt before they place it in any credit file. The original creditor is XXXX XXXX and as I 've explained before I 've been living at the same address for 2 years and do n't have cable with XXXX XXXX at my address. From the information that I 've gathered, the account is a recent account that does not belong to me. Now that I 've disputed with all 3 major bureaus and CFPB 3 times I do n't expect to have to dispute again. And if I do I have record with you and my next step is a civil or class action lawsuit because I 'm sure that I 'm not the only victim they are doing this to. This is taking up too much of my time to have to dispute this ID theft repeatedly!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Good Morning, This is the 3rd time that I am writing a complaint regarding Bank of America. I am so fed up with them that I just want to scream. I have been asking for help for well over one year and they have not done anything to help me. I have made complaints and have been referred to their appeals department but nobody knows what someone else is doing. I was denied again because they say that they cant verify employment for my Husband and my Husband has been working for the same company which his brother owns since 1990, they asked for a letter from employer which I supplied and they have his tax returns which shows the same employer. They never called me to ask me for further information. They also told me that I am too deliquent at this point for a modification but I have been asking for this for almost 1 year. I have been working with someone from BOA for quite some time and then they change the rep and the new rep doesnt know what is going on. I am also going through the State of NJ for another program and I am waiting for that answer. Yesterday I got so frustrated that I hung up on them because the new rep said well you are denied so you can either sell your home in a short sale or catch up on your payments which they know that I cant do. BOA told me months ago that the only way I will get help is if I am delinquent on my mortgage and now they are teliing me that I am too delinquent. I really dont know what to do anymore but I am thinking of going to the media to make a complaint and maybe they will do a story on this. I always had excellent credit and I am not a deadbeat I just want some help. Can you please help me, each time you contact them they do nothing, something more has to be 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 2017-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RNN Group, Inc
State: TX

Complaint narrative:
We are a place of business and we do not give out any type of information regarding our employees or their family members. We are getting numerous calls from RNN Group and we are not obligated to confirm or deny who works for our company. This is obviously a debt collection. The RNN Group representative is extremely rude and unprofessional. They seem to have made it their mission to continue harassing our place of business and they do n't even know if the person works here. If they were professional, they would not be disrupting another place of business over someone 's personal debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: GA

Complaint narrative:
On XXXX XXXX, XXXX, I contacted Equifax for the status of a dispute with XXXX XXXX XXXX indicating that the account is not mine. The representative, XXXX, informed me that the account has the same name and social security number as my file, therefore it has been verified. I asked her how did Equifax verify the information. XXXX 's reply to was, the account has the same name and social security number as your file, therefore it has been verified. I asked, " Did you receive any valid information from the creditor?. '' XXXX stated, " XXXX did not send in anything ; however, the account has the same name and social security number as your file so it has been verified. '' I asked XXXX that if XXXX never replied with any valid information or any information at all then how can you say that it has been verified? She replied, " The account has been verified. '' I explained to her per the law, a debt has to be validated in order for it to be truly verified, so what information do you have that says that this account has been verified? '' XXXX replied, " I do not have any information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Hi, Basically, I opened a credit card account with Bank of America. There was an offer when I opened the credit card. I needed to spend {$12000.00} in 6 months on the card to get the offer. I also paid a {$90.00} annual fee on the card. 

The card was closed without my consent by Bank of America. I called to inquire and did n't really get an answer why. This is conjecture, but I think they may have cancelled the account so that I would not receive the bonus and they 'd get to keep the annual fee. 

In the ~3 months the card was open, I spent about {$7000.00} on the card. I would definitely have spent the full {$12000.00} on the card within 6 months as I had some expenses coming up. 

When I spoke with a representative from BofA, he sent my concerns to another department. The other department said I was ineligible for any or all of the bonus because I did not meet the spending requirement. When pressed that I did n't have the entire length of time to meet the requirement, I basically got non-answers or a repetition that I did n't spend {$12000.00}. 

I believe this to be unfair. I believe that I did not have the opportunity to meet the remainder of the qualifications because they cancelled the card early. Additionally, I would have spent the {$7000.00} on a different card had I known that BofA would cancel the card before allowing me to meet the spend. I would completely understand if I was only eligible for a prorated amount of the bonus based on the spending completed ( and I offered this as a reasonable compromise ), but even that was denied. 

Additionally, I think the annual fee should be refunded. I paid for a year worth of benefits but was unable to use the benefits at all because the card was cancelled ( I would have used the benefits this winter ). Between not getting a bonus and not getting to use any benefits, I feel ripped off. 

Finally, I feel like I have made reasonable requests to the bank, whom I have been a long time customer with, which they have repeatedly denied. 

Thank you for your time.

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