vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BOEING EMPLOYEES' CREDIT UNION
State: OR

Complaint narrative:
On XX/XX/2018, someone committed Fraud on my personal identity. They went into one or two Boeing Employee 's credit unions in or around XXXX XXXX, XXXX or XXXX XXXX near XXXX. I immediately notified all credit bureau 's that Fraud was being committed on my social security. Then I called Boeing Employees Credit Union to notify them of the fraud and after calling 4 times, no one will call me back and confirm the account has been closed. It is my understanding that it's a checking account and a line of credit. I've verified my identity with my local police department on XX/XX/2018, with the XXXX County Sherrif 's office in XXXX, XXXX where I live. I filed the report case # XXXX with Deputy XXXX XXXX XXXX / XXXX and he forwarded the report to XXXX XXXX. I've spoken with XXXX XXXX and the local XXXX XXXX police department and no one will confirm that this account has been closed nor will anyone from Boeing Employees Credit Union call me back. The police and the FBI won't do anything about it because Fraud was against my identity but the bank is the complainant and they are trying to require that I come to XXXX to the branch where the account was opened ( but they won't tell me where ) so I can verify my identity. I have been verified by my personal bank XXXX XXXX as well as the local police department. That should be enough to ensure that this account is closed. I have spent over 40 hours of my time cleaning up this mess and Boeing is a complete disgrace to modern society and consumer protection. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: PA

Complaint narrative:
I received a mailer at my home from KeyBank offering {$400.00} bonus to open a checking account and deposit {$500.00}. I opened the account and deposited {$500.00} via Keybank 's website on XX/XX/XXXX, and I entered the offer code on my mailer at that time. I have not yet received my bonus. I called and emailed and was told that the offer code was not on my account, and I needed to visit a branch to get the offer code added to my account. I visited a branch ( XXXX XXXX XXXX XXXX, XXXX, PA XXXX ) on Friday XX/XX/XXXX and the banker added the information to my account. She told me she would call me in a few days with an update. She took a copy of the mailer and my driver 's license to make sure the name matched. She also said that some of the mailers require a direct deposit to satisfy the bonus, but she noted that mine did not. I still haven't heard from her.

I followed up by online message to Keybank on Thursday XX/XX/XXXX to ask when will I receive my bonus. Under the terms of the offer, it was supposed to be within 90 days of account opening, so I should have received the bonus by XXXX. Also, If I had received the bonus then, I would not have been hit with an inactive account fee on XXXX, because the bonus would have counted as account activity. 
XXXX at KeyBank responded to my secure message on XX/XX/XXXX to say " I have reviewed your account at length and I am sorry to say that I do not see that the offer code was added to your account. Since the offer code was not on your account, you are not eligible for the offer. We are not able to add the code and make the offer available to you at this time, as the 60 day window to qualify for the offer has closed. I understand that this is not the answer you were looking for and I do apologize. It is important to know that our promotions do have strict guidelines that we must abide to. Please know that we are unable to make exceptions when qualifications for a promotion are not met, via email, chat or phone request. If you wish to see if an exception can be made on your account, it would be necessary to contact your local KeyBank branch for further assistance. '' This seems blatantly unfair. I received an offer in the mail, I complied with the terms of the offer, and now KeyBank is refusing to honor it, claiming that " you are not eligible fro the offer. '' It's not my fault if their website doesn't work. I wonder how many other consumers received mailers like me and are now having to fight to get the bonus they were promised. 
I have been paying monthly fees to have this checking account, which I never would have opened if not for this bonus offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23 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: NC

Complaint narrative:
I submitted an investigation request to the credit bureaus back on XX/XX/XXXX. Over thirty days have past, and I have not received the results yet.

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 2018-07-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted an investigation request to the credit bureaus back on XX/XX/XXXX. Over thirty days have past, and I have not received the results yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: IL

Complaint narrative:
My issue or concerns are with XXXX and Experian I have disputed information from both credit bureaus. I have followed the correct protocol for filing a dispute. I have written letter and filed online corespondents. And ultimately my results are still the same. In my letters I have asked that they provide me with physical documentation with my signature according to the FAIR TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a account. XXXX has removed the bankruptcy chapter XXXX dismissed from my account serval times and then put it back after the 30 days investigation which makes my credit score plumbed. They are receiving this information from a third party call XXXX XXXX Consumer. Every time the bankruptcy is removed and put back on my credit reports it looks like a new trade line and makes my credit score plumbed. The other disputes I have with both XXXX and Experian are with ( XXXX XXXX XXXXXXXX for {$740.00} AND XXXX XXXXXXXX XXXX for XXXX both are showing up as charge off on my credit files. I HAVE NOT RECEIVED PHYSICAL VERIFICATIONS OF THE ORIGINAL SIGNED CONTRACTS FROM ANY OF MY DISPUTES. Therefore they should be permanently removed from both my Experian and XXXX credit reports. I have been disputing this information since 2017.

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 2018-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
I was never contacted by Wakefield And Associates not even when the supposed debt was transferred to them. I did not receive any written notification via mail from debtor or the collection agency. If either one had contacted me within the 1 year period after supposed date of service than I would of had the chance to submit the debt to the insurance company for payment. Since gaining knowledge of the alleged amount that I owe I have tried diligently to contact not only the debtor but also the collection agency to not only verify the debt but also to find out why it was not submitted to my insurance company or why I wasn't notified. The agent asked me for my insurance which I provided but my insurance company declined the supposed debt because it was past the 1 year mark. Now that Wakefield And Associates have taken over this debt they have not verified its authenticity and are CHARGING ME INTEREST to the tune of {$400.00} more than the debt is. I would assume that is why they have not contacted me during the time of which I could have had my insurance company investigate further the validity of the debt. I want this debt removed from credit report until the creditor/Medical company can prove the debt is valid and provide me with the documentation from where it came from.

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 2018-07-23 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: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Status of account is correct, however the servicer shows the account as behind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In XXXX, I was admitted to a XXXX XXXX in XXXX, Florida called XXXX. During this time I was recruited to a school called XXXX XXXX XXXX whose primary role was to help me rehabilitate myself by furthering my education. Upon admission to XXXX i was advise to apply for a student loan, however, because of my XXXX XXXX  i lacked the XXXX XXXX XXXX XXXX XXXX XXXX XXXX   about what the student loan entailed. In addition, I came to later discover that the XXXXXXXX XXXX was not even an accredited learning institution. 


It has been nearly 30 years later after the student loan. In XXXX I was placed on permanent XXXX. Last year, I took a part time job while still on XXXX and filed my XXXX taxes. While waiting for my refund to arrive I received a letter that my wages were garnished by the Department of Education. As a result, I immediately contacted the department to advise them of my XXXX status of which they requested written proof from the Social Security Administration in order to qualify me for disability discharge and return my wages. I forwarded the information to their offices and was notified of their receival of the document. Shortly after, I received a letter from the department that I was denied for Disability Discharge. Can you please assist me regarding this matter????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, Me and my husband were reviewing our account and there was a withdraw from my business account in the amount of {$1900.00} posted on XX/XX/2018 stating " Debit for {$1900.00} a withdraw Misc.  debit did not post on XX/XX/2018. Reference # XXXX. '' We never withdraw that amount at all at any branch or at any ATM or it would state the location, and we keep records and always check our accounts. We spoke with multiple agents on the costumer service phone number and the first agent mentioned that this was a Chase error, and that the funds were taken out of my account on mistake by the system and she started a research request that same day. On XX/XX/XXXX, Another agent, which I have his extension number and have been more in contact with, stated that on the withdraw slip shows a different signature that don't match mine or my husbands. We do not have any other authorized people in the account. Clearly this transaction was made by an unauthorized person. And why would the transaction be posted 2 weeks after? Then he transferred me again to someone that would further assist me and this last agent said that my funds would be available within 4 days. Today is XX/XX/XXXX and my funds have never been credited. Called the same agent and transferred me to another. He stated that the research was closed because they said that the funds were withdrawn on XX/XX/XXXX. I told them, you have on your notes that we never withdraw that money at all. We repeated many times in multiple calls and the signatures don't match according to one of their own agents. My money is being stolen right in front of me and I need help from someone that cares. I might have to hire a lawyer to help me out and set this right. {$1900.00} can't just disappear. This is my most reliable contact from chase XXXX ext.XXXX the only agent that seems to know what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
We have received multiple calls from Commerical Acceptance Group about a debt to XXXX XXXX XXXX for a visit they made to our home for our infant daughter. We have been trying to work this out but the woman we spoke to is very unhelpful and rude. She told my husband she " does not have time for his XXXX '' and that she would put down that we want to file a dispute. We have tried to tell them we do not want to file a dispute we just need more information about the debt. We have been hung up on numerous times while trying to get more information to work out this debt. The debt is in our minor daughter 's name yet somehow they have obtained our phone numbers, birth dates and social security numbers even though we never provided them to any entity involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NJ

Complaint narrative:
We had a Discover Card. When my husband 's business went under, it was one of the monthly debts we stopped paying. That debt was purchased by XXXX & XXXX from NJ. The firm got a judgment against us in the amount of $ XXXX. We did owe the money and entered into a monthly payment plan with them. They do not send monthly statements or receipt of payments. We would like to know our balance and get a receipt when a payment is made -- if not monthly -- at least quarterly. 

We had been making payments faithfully for 2 years and we were late one month -- just outright forgot. Not hard to do since we do not get any statements from them. It's due the XXXX of the month. I went to pay it online on the XXXX of the next month only to find out they had cancelled the agreement. Also, you can not go onto their website and make a partial payment ( if you wanted to split it up over the month ). 

We were able to get the agreement reinstated but they asked for an even bigger monthly payment. We did not agree to it. My complaint is about their business practices -- no statements, no receipts, no updated balances but they have no problem rescinding an agreement immediately when a payment is not made. They should be obligated to send out statements and keep consumers informed. 

If I knew what I know now, I would definitely have negotiated the debt down. This law firm are bottom feeders and should be held to better standards. They prey on too many vulnerable people and should be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
My mom died XX/XX/2017. She willed the house to my niece and nephew. We had filed a complaint prior to this one. The mortgage company ( M & T Bank ) was suppose to help my niece and nephew assume the loan. We tried making payments but they sent them back. First they said they had to be from my mom and dad who were already dead. Then as they were sending the payments back they were saying we were in default. Now supposily they are saying my niece and nephew have the loan in thier names they are still following through with foreclosure. How can they foreclose if someone has already assumed the loan. And try to foreclose while at the same time they are suppose to be helping. It's a fraud ... ... ... And all this because my mom died. This is not right and for them to foreclose on a home that they were supposily helping us modify the loan on is very illegal. We need to stop the foreclosure. We are low income and my niece and nephew are on SSI. We can't afford a attorney. Please help us. This is our second complaint.

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 2018-07-23 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: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit report and they have never sent me a notice. By law they are required to send a 30 day right to dispute notice, they can not just place it on my credit report. 
For 2 I already settled this debt previously with XXXX XXXX attorney so this debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: WA

Complaint narrative:
I received an alert on my XXXX and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018 and XXXX XXXX. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security and Debit Cards. Please remove this hard Inquiry from XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I was denied extended repayment option based on incorrect information. My loans were disbursed between XXXX through XXXX. Nelnet claimed wrongly in their communication to me that my loan was awarded prior to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Over The past 2 years we have made countless calls to Shell Point Mortgage regarding assistance with a loan modification but to no avail. Shell Point mortgage service has been completely unfair in there constant request for additional documents. After all documents have been received I wait to hear from them only to be told they hadn't received documents or now need additional documents. I'm told the need exterior and interior appraisals by 2 separate companies causing more of delay. I have had 3 interior appraisals done in the last 6 months. After the appraisal has been completed I'm told that I need to wait 30 days for underwriter in which they ask for further documentation. We continue to send more docs both to their attorneys by fax and email. Even with the help of a housing counselor we are all spinning our wheels. Every 30 days they need more documents and updated documents and ultimately another interior appraisal just a constant circle and they moving faster and faster on a sale when Ive been trying desperately to cooperate but Shell Point has not been helping me and completely given me the run around and I'm being lied to. Please help me with my nightmare mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation