vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: WA

Complaint narrative:
Hello there, I 've been a member with  Key  Bank since  XXXX . I have a Key Previlege account and CD account with  Key  Bank and was told that I will not be change a monthly maintenance service charge per their Personnel Banker  XXXX   XXXX  on my Checking. I did not realize that this account was being charged monthly service fee since  XXXX  of  XXXX  thru  XXXX   XXXX  .This is my savings account for my widow mother. When I received the statement for this account, I did not check activity detail indicate on the statement that  Key  Bank was charging me a monthly fees. Due to the fact that I was told no monthly fees, I did not double check the statement. When monther needed the funds and notice the monthly fees indicate on the statemented for  XXXX   XXXX . We question Key Bank. This is when I call the customer service and spoke to  XXXX  on  XXXX   XXXX   XXXX  was told that she that their system was not able to link my account together since I original open  XXXX  account in  XXXX  since  XXXX  and recently open a CD in  XXXX  WA. I know that it was my mistake for not reviewing the statement monthly, but since this was a raining day funds for my mother I did not think about checking the detail and told upfront no fees would be charged.. I was advise by their customer service (  XXXX   ) t o close my current checking account and open a new account which I did. I feel I am a victim of FRAUD by  Key  Bank and dishonest done by their employees. They were dishonest with me and was told that I will not be charged. I tried resolving this issue with  Key  Bank and after 16 days of waiting for a response I finally received a return call from the Branch Manager  XXXX   XXXX  that the company will only refund the service fees of a couple month. I am asking for t he Seven  month refunds of the service fees that they charged me totaling {$170.00}. I feel that I was taken advantage of. It 's not my problem that there system is not able to link out of states account. I should not pay the price for their system failure.     Thanks  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-01 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: Conn's, Inc.
State: LA

Complaint narrative:
I have been in contact with  Conn 's on multiple occasions in regards to the reporting of payments made on my account. I have pulled copies of my credit report and have noticed that Conn 's is not correctly reporting payments that are made to my account on time. There are months that were not reported or marked late on one c redit report while the other  XXXX  bureaus has the payment marked as on time. There is conflicting and incorrect information being listed on my credit file which is making it hard to aquire trust and credit from other comp anies. Conn 's representatives has not been helpful in helping to correct my report.  All three credit files reflect different information and I am being reported for late payments in months that I have been on time. Providing false information to the credit bureaus are against the law according to the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: GA

Complaint narrative:
My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for  one  of us every two months. For the fourth year in a row now, neither  one  of us has been able to get our report on line from Equifax. Every time we go through the on line request procedure, at the end, we get a message that says, Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. You are then told that you need to fill out a form and send it, and  two  supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other two agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree  XXXX , to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
The company sent me a letter that they purchased my debt account from the original company and that they were handling it and that I had 30 days to pay I contacted them told them that I was currently unemployed and that I had no income and here it is one month later and I 'm receiving paperwork to go to civil court over a debt I can not pay because I own nothing and I have no income how can they do this when I tried to explain if I had employment I would be happy to set up a plan but I do n't so how can I pay if I have no money and I live with someone else?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I was askin g for Loan Modification and Ocwen was always sending me Pay off Qoutes. I enclosed under your discretion that the L oan I originated from them since  XXXX   XXXX ,   XXXX   was {$140000.00}. From that date up to present is 149 months, multiple by {$1100.00} every month that I paid them for mortgage every month. I paid the bank so when multiple by 149 months ; I already paid them {$170.00},  XXXX   XXXX  dollars all in all up to this date. Attache d is Ocwens p ay off valid through  XXXX   XXXX . Please analyze the following invalid descriptions on Ocwens Pay off Quotes such as Suspense Credit of {$2400.00}, Escrow Advance of {$6300.00}, these are not  valid Ocwen 's Description expenses. In each Descriptions one by one and the total of amount due is {$130000.00} they want me to pay in total based Ocwens claim. Ocwens Pay off Quote should be corrected in the right way. Ocwen is doing business with their mortgagor like me were faulty and unlawful. I want Ocwen to remove descriptions that are not legal. Ocwen is obliging added invalid fees for me  to pay them more that are not lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On or about  XXXX   XXXX ,   XXXX  , I contacted the bank and credit bureaus about the wrong account number and information being reported on my credit file. All parties decided not to remove the information. My dispute is that I do not or did not have mortgage account number with the bank under the account number being reported on my credit file.

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 2017-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC
State: WA

Complaint narrative:
My wife and I applied for a mortgage loan last year with  XXXX   XXXX  at   XXXX   XXXX   in  XXXX , WA. After providing all my paperwork, I was approved for right around {$240.00} on a Conventional Mortgage Loan. I began working with an agent names  XXXX   XXXX , who assisted me with finding a property. The home we found was listed for {$240000.00} but we needed our closing costs paid so we offered {$240000.00}. This was a push on my file and debt ratios and I barely qualified. When my wife and I saw the monthly payment, we immediately expressed grave concerns to ou r Loan Officer and Real Estate Broker  and said we werent comfortable with it. Regardless, they continued forward with the process and ordered the appraisal while assuring us that we would be fine with the payment. After attending the required class for Homebuyers using down payment assistance programs, I learned more about mortgage loans and the importance of not putting yourself in a position where youre house poor. After much consideration, I reached out to  XXXX  and  XXXX  and told them that if the payment could not be reduced I was not comfortable going forward. Instead of working with me on it, they sent me a form to sign and said I would not be getting my  Earnest Money  back.     My wife and I feel it is unfair that we lost our Earnest Money of over {$2700.00} because we tried hard to let our Loan Officer and  Real Estate Broker  know ( multiple times ) that the payment was too high. In addition, after signing the recession form and forfeiting my  Earnest Money, I  realized that the lender didnt include the child support payment I am obligated to pay and therefore I should not have qualified for the loan to start with.     We strongly feel that we were coerced into buying a home that we explicitly stated was too expensive for our budget. We feel that our  Loan  Offer and Agent were both using extreme force and ignoring our concerns to get our loan closed and get paid. If you can please address our concern at your earliest convenience we would greatly appreciate it. The loss our  Earnest Money  has been truly devastating to us and we feel it was not warranted. It is our hope that you can assist us in getting it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
last year I filed a complaint about this debts collector, they put this negative outstanding debts on my  XXXX  report, I dispute d this debt an they remove it after I filed a complaint with CFPB. This debt was paid 1 year ago in my Doctor office they turn around an put it on my  XXXX  report. " CFPB '' complaint history you 'll see the complaint was file one year ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
In  XXXX   XXXX  I traded in my  XXXX   XXXX   XXXX   XXXX  for a New  XXXX   XXXX  lease. I was called by the dealership and they told me there was a loyalty program and I can trade 5 months early for a new lease. I told them there were  6 p ayments and I had excessive miles. I was told that here will be no money down and they will take care of all payments and miles. This is th e 4th tim e I have done this in the last 9 years. I signed the new contract at my home and they delivered the new car. 3 Months later I ran my credit and they are saying I owe them {$2000.00}. They first sent a letter in  XXXX  saying I own them {$17000.00} and I told them this was all part of the new lease. I have sen t 2 letter ( attache d ) and I have spoken to  MBZ Fin, they told me the will call me back and I have never heard from them. I have left 3 messages and sent 2 letter. They are currently   showing the payment 2 months late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX  sent me a copy of my credit report file  XXXX  on  XXXX / XXXX / XXXX . Someone applied to  SYNCBBP  DC on  XXXX / XXXX / XXXX  for credit in my name. I initially had a fraud alert on my credit file, then removed it in order to rebuild my credit and establish new accounts. These inquiries that are not authorized are hurting my score and a false representation of facts being reported in my file.    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX    XXXX    Attn : C omplaint Department   XXXX   XXXX    XXXX   XXXX , PA  XXXX  I am writing to dispute the following information in my file. I recently received a copy of my  XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I have been reviewing & disputing inaccuracies a fraud alert has been placed on my credit file, although the damage has already been done. The inquiries are not authorized and I sent supporting documents fro m 2 accou nts as of date stating I was a victim of fraud. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is  for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible   XXXX   (  XXXX / XXXX / XXXX  ) admitted fraud apllication company removed SYNCB/BPDC (  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 non-monetary relief
Consumer complaint received 2017-05-01 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
Th is company has been reporting that I have paid them on my credit report. I have never paid a dime to Navient. In addition, during the dispute I have not received any kind of communication from the firm, but a collection agency stating that I owe some off amount. I do n't believe they have accurate information on my account. The fact they are reporting false information is enough for me to ask that account be removed for vio lating FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc.
State: AL

Complaint narrative:
XXXX  put my account into collections after I was forced to close the account due to multiple billing errors and service issues. Was told several times remaining amount {$88.00} would be waived due to inconvenience and in show of good faith. Then after finding out later that indeed had not taken place and account was now in collections I called several times to try to resolve this with customer care but was told it was out of their hands. Then after a period of time interest occurred resulting in current amounted. My credit was completely ruined by this error and I am highly upset by the broken promise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On  XXXX / XXXX / XXXX , The bank withdrew funds from a savings account account owned by my husband and I. The withdrawal, which totaled  XXXX , took a total  XXXX  from our account and made the account negative in the amount of  XXXX .     This withdrawal stems from an event where my husbands brother, who is on   XXXX   XXXX   due to   XXXX   XXXX  , deposited a check for another person, into my brother-in-law 's checking account for  XXXX  on  XXXX / XXXX / XXXX  and then withdrew those funds a few days later, after the check cleared and paid the funds to the person who he thought was legally entitled to the funds.     The bank subsequently debited my brother-in-laws account for the funds paid out because they claimed the check appeared to be forged.     When contacted about the debit placed on my husband and my account, the bank stated that they did so due to my husband being an additional signatory on his brother 's account.     My husband 's only dealing with his brother 's account was to deposit funds to the account after cashing his brother 's  XXXX  check and paying his brother 's bills. My husband told the bank representative that opened his brother 's account, that his association was to be limited to only adding funds to the account.     The check that was deposited into my brother in-law 's account was issued by  XXXX   XXXX  and made payable to an individual and a law firm. The back of the check is signed by someone that appears to   be one of the payees and my brother in-law, there is no endorsement by the law firm.
It is quite obvious that the bank failed to properly process the check that was deposited into my brother in-law 's account, making it a   third party check that was not properly endorsed. No funds should have ever been paid out, especially on a check that large.

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 2017-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I first reached out t o Navient on three oc casions (  XXXX   XXXX ,  XXXX  and  XXXX ,  XXXX   )  via " Contact  US  '' on my Navient on line account and emails. Also, I called on   XXXX   XXXX   XXXX   and the Navient representative informed me that they could not find the email I had sent using my Navient on line account via " Contact Us. '' I sent an email through " Contact us '' on my XXXX  online account on   XXXX   XXXX   XXXX   I followed up with call on  XXXX   XXXX  and was told by Navient representative that he was n't able to find the email I sent through " Conta ct Us  '' onmy XXXX  account to address this issue. He told me to send an email to  XXXX  XXXX  XXXX  with supporting documentation, which I did and received another generic response from Navient. The response did n't address the issue I had brought up with Navient.     I was a  XXXX   XXXX  volunteer from  XXXX ,  XXXX  to  XXXX ,  XXXX . During my service, I qualified for {$0.00} repayments under the  Pu  blic Service Loan Forgiveness  program ( Income-Based Repayment ). But I was informed by Navient that I can only apply for deferment during my service.     I have reached out to Navient requesting a retroactive qualification for  Public Service Loan Forgiveness  ( Income-Based Repayment ) from  XXXX ,  XXXX  to  XXXX ,  XXXX .     When I found out about  Public Service Loan Forgiveness  ( Income-Based Repayment ) and spoke with a Navient representative, I was not informed that that my  XXXX   XXXX  service counted towards the 120 payments for  Public Servic e  Loan Forgiveness ( I ncome-Based Repayment ). I have reached out to Navient requesting a retroactive qualification for {$0.00} payments for  Public Service Loan Forgiveness (  Income-Based Repayment ) during my service. {$0.00} payments from   XXXX   XXXX   to   XXXX   XXXX   should be credited towards my 120 payments.     I uploaded documentation supporting my  XXXX   XXXX  service and income during my service, which qualified me for Public  Service Loan Forgiveness (  Income-Based Repayment ) at {$0.00} payments from   XXXX   XXXX   to   XXXX   XXXX  . I think {$0.00} payments during my service should be credited towards my 120 payments for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: NY

Complaint narrative:
XXXX   XXXX   XXXX  Account should be deleted as of  XXXX    XXXX   according to report  XXXX   ( have had problems in the past with prompt deletion when dealing with TransUnion directly ).

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