vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: ID

Complaint narrative:
On XX/XX/XXXX I have opened Key Express Checking account in Key Bank branch ( XXXX XXXX XXXX XXXX, XXXX, ID XXXX ). I never had an account with Key Bank before. This account was opened under the documented, written award agreement, which stated : MAKE A DIRECT DEPOSIT OF AT LEAST {$500.00} AND A COMBINATION OF FIVE DEBIT CARD AND/OR BILL PAYMENTS WITHIN 60 DAYS AFTER ACCOUNT OPENING TO GET {$300.00}. DIRECT DEPOSIT TRANSACTIONS ARE LIMITED TO : PAYROLL, SOCIAL SECURITY, PENSION AND GOVERNMENT BENEFITS. Full offer text is attached. I have made 4 direct deposits of {$250.00} to my account and 5 debit transactions in the period from XX/XX/XXXX until XX/XX/XXXX, so I had to be eligible for the bonus. After getting a bonus I was going to keep my Key checking account to use debit card in XXXX XXXX, where credit card payment is not available. On XX/XX/XXXX XXXX I had made a call to Key Bank service center ( XXXX ) to check if everything fine with sign-up bonus. I was told that I am qualified, both my direct deposits and bank transactions are fine, and I just need to wait 90 days from the date of account opening. To double check and have a record in person, as I always do with banks, I later went to the local branch and asked again to verify my eligibility, and this time I was told that I am not eligible, as direct deposit was made in installments less than {$500.00}. Local branch clerks made appeal to marketing group, but marketing group of Key Bank refused the request to give me the bonus. I made several efforts to convince Key Bank support clerks and managers that it is illegal to give a vague description of the offer, and then interpret it in a free manner to deprive clients of deserved bonus. During account opening, I also did not receive a proper verbal disclosure about the account coupon terms. I made a search across Consumer Financial Protection Bureau data base and easily found a case similar to mine, also with Key bank and the same offer type : XXXX XXXX XXXX ( case # XXXX ). So, bank is obviously playing an unlawful bait and switch game of semantics with it's customers to avoid paying the bonus money. From account agreement they provided ( both written and verbally ), it does not follow that customers should make transfer of {$500.00} in one single deposit. I keep all records for the case to start a legal action in case the bonus will not be funded to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: GA

Complaint narrative:
I have recently been a victim of identity theft ... all documentation has been submitted to all 3 bureaus, Equifax, XXXX, and XXXX. Strangely enough 2 out of 3 of the Credit bureaus have followed the law exactly as stated as it pertains to the consumer, but Equifax seems to follow it's own rules and has been the MOST DIFFICULT to deal with, I have several inquiries that I have stated in my AFFIDAVITS and recent disputes that I DID NOT AUTHORIZE but and EQUIFAX continues to report and they are hurting my SCORE! the 3 inquiries are XXXX XXXX, XXXX  AND XXXX XXXX ... ..I also have an XXXX XXXX showing on my report that I have never done business with but EQUIFAX claimed to have verified but yet the other 2 major credit reporting agencies found them to be FRAUDULENT and removed them!! and they are also reporting my current VEHICLE late with XXXX on 2 consecutive months XXXX and XXXX and this is absolutely NOT FACT!!! the other 2 credit reporting agencies do not report this! EQUIFAX are nothing but CROOKS that kill the average CONSUMER and something has to be done to put this XXXX to a STOP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I was in the process of making a partial payment to another party for a hotel/timeshare reservation. Upon the funds being pending/withdrawn I found out I was part of a SCAM. I contacted my back to see what could be done. Funds were sent via XXXX and they had informed me that my dispute wouldn't fall under any of there 4 categories. The only thing I could do is a small claims. My dispute is for {$250.00} that was withdrawn from my account on XX/XX/XXXX and now it's just gone. I guess hard lesson learned but sad that the bank couldn't do anything to help or look into it! Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: TX

Complaint narrative:
Inaccurate balance lowering my score utilization

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 2019-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage was owned and serviced by XXXX. My loan was sold to Select Portfolio Servicing, Inc. ( SPS ). 

Previously my loan had been on automatic payment for 12 years with XXXX. Upon the transfer SPS I was required to arrange for new automatic payment. I did so, but SPS took an unreasonably long time to process my request ( 45 days ). During that unreasonable delay my payment became due and was not made despite my ACH application. 

This caused my account to be in default which ceased further ACH payment and caused fees to be applied to my account and potentially derogatory information on my credit report. 

I logged in to the SPS website and there was no option to actually pay the full amount due to bring the account current. The only way to do that is call SPS and manually request full payment in time to allow the original ACH scheduling process to go through. 

Put another way, I applied for ACH payments on XX/XX/XXXX. As of XX/XX/XXXX no ACH had been taken and I was in an endless trap to never have ACH payments made and never bring my account current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: FL

Complaint narrative:
I have contacted these bureaus to remove these unauthorized inquiries that I don't recognize and I didn't authorize. They are not cooperating with me and the inquiries still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: CA

Complaint narrative:
I sent a written request to XXXX to do the following with reference to a debt that appear on my credit report. I asked that you Asked that this debt be validated with a written contract that has my original signature. 

Verify that the first day of delinquency occurred within the last 7 years Neither of these things occurred, and you continue to report to my credit an unverified item which is illegal.

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 2019-01-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX well me and my husband bought a four family in XX/XX/XXXX.I remembered my husband asking the closing attorney how much the mortgage was going to be he didn't say it was your Austable all he said was {$2700.00} a month that part wasn't ture on the 80 percent and a second mortgage of a balloon notes 20 % .we started experiencing a hardship in XX/XX/XXXX when the adjustable interest rates kept skyrocketing as high as 11 % and my husbands hard-earned money went towards this house.after years of trying to do a modification the bank 's kept denying us when we was qualified for the program they kept denying us saying there was missing ddocuments when I paid a real estate broker {$4000.00} to help with the modification I gave them all the documents that they needed. We have fallen short lost our home due to foreclosure and it has been the terrible experience to have to go Thur. JP Morgan and Chase are terrible they denied millions of applications for modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
my complaints are against XXXX  capital one and credit one. they have refused to accept any type of payment because i tried out of my bank account which was registered with these companies and they will take payments from my account that are legitimate but then send the check back which cost me more money the take the money out a week late sending me into overdraft but then when you call them they say they don't even know if you have a bank account. then they call repeatedly saying that you are not making payments. plus my cards have been for about 3 years and i reported it as soon as i noticed them missing and was given the response of what business is it of ours because you owe us. and then they refused to close my account. now 4 years after they started reporting to the credit bureaus that i owe them XXXX when its on my reports that i owe them only XXXX but they want the money up front. this prevents me from getting a job because they constantly call and harass me. then when i call them to complain i get the response that its no concern of theirs. then they start putting negative reports on my credit report and putting me under collections. they always wait until after they cost me a job before they start with the calls and bills, but they leave me alone when i do have a job. so i am filing this report because i have tried to call them and report my cards missing, i have also tried filing reports but have been ignored. also when i try for a credit card im denied because of these claims. i also had XXXX  visa and master cards that were stolen about 6 years ago the same day i was pushed in front of and struck by a train. these cards were being used the whole time i was on deaths door stop. i had reported this to the credit bureaus once i was able to. i want all these negative and fraudulent reports off my credit report and my credit restored. this is the first time i am writing to you because i am getting sick of not being able to find or keep a job due to harassing constant calls about money i don't owe and then to have my credit score negatively affected due to the fraudulent reports also im tired of almost being hit by cars and losing my life to this XXXX  as well as being denied housing and other credit cards i have applied for and have been denied due to nonpayment of debts that i am not even aware of. also capital one and credit one say that after every 6 on time payments they increase the credit limit but for me they stopped after the third payment because they started callig all my payment methods fraud and claiming that they did not know if i even had a bank account the very same issue has arisen with finger hut and i want this stopped and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE BANK is violating my privacy preferences. I have opted out of prescreen offers of credit at all the credit bureaus. I have opted out of receiving marketing material from companies that I do not do business with. For companies that I do business with I have selected all opt-out choices they make available. Do Not EVERYTHING me. CHASE continually sends me endless marketing materials and offers that I do not want them to receive. This indicates CHASE is not abiding by my privacy preferences. I would like them to stop sending me mail whether or not they use my name or " Our Neighbor '' I do not want to receive mail from this company. They are not checking the FTC do not solicit list, they are not checking the DMA opt-out database and they are not checking the credit bureau pre-screen opt out database. I want mail from this company to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccurate balance lowering my score utilization

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 2019-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted these bureaus to remove these unauthorized inquiries that I don't recognize and I didn't authorize. They are not cooperating with me and the inquiries still remain.

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 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
Identify was stolen I provided XXXX  XXXX  XXXX  with the police report. XXXX XXXX XXXX   verified that they received the report and would remove the charge off. The credit agencies are still showing the charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hi I had make a complaint in XX/XX/2018, i apply for a private loan forgiviness from Navient company, for reason that this school had closed, and I would not be able to finish LVN program, i had to paid a loan for XXXX dollars and I need my money back, i do not get response last time that I make complaint.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
In XX/XX/XXXX XXXX  sent me a single email to an address that was setup at the beginning of me attending university. I was never notified via email of phone that my IDR would be expiring soon. On XX/XX/XXXX I happened to check my account and see the payment is nearly 3x the amount it used to be ( {$91.00} to {$290.00} ) because IDR expired and I had not seen the single email they sent to a now defunct email address. I immediately resubmitted my IDR plan and am now told it'll take up to a month to process as it has to be " manually reviewed ''. The first time this process took no less than two days while I  was in a grace period ; now, however, they say that " the system '' was unable to process my information despite it being taken right from the IRS website. I've called them multiple times and all they can offer is to continue forbearance, which results in expensive interest capitalization. All the while I am missing important payments that would be going towards PSLF. Being in between jobs and having a strict budget means I was anticipating the IDR payment amount. I find it completely unacceptable that they are allowed to take away IDR from people who are just starting their careers and can not afford to pay the original amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Requested a mortgage modification several times the last past year with my mortgage servicer Select Port Folio. They have been unwilling to work with me to save my home from a property foreclosure sale. There is a sale date set for my property XX/XX/2019. 
I've recently submitted another request for mortgage modification Please assist me with retaining ownership of my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Date : XX/XX/XXXX To Whom It May Concern, XXXX, XXXX  and Transunion are reporting inaccurate information on my credit file. They have failed to investigate and verify that these items are reporting correctly. Their action has hurt my ability to obtain new credit and this is very troublesome to me. I have been disputing with them since XX/XX/XXXX last year and they still have not corrected the errors and this is a direct violation of my rights under the FCRA! I have documented each letter that I sent to them and their responses that I can use in my defense. I am asking that the said accounts below be removed from my file immediately! 
Accounts Account Name : XXXX XXXX Reporting on XXXX and XXXX 1. Open date of XX/XX/XXXX is incorrect. 
2. Past Due Amount of {$720.00} is incorrect Account Name : XXXX   XXXX  XXXX XXXX XXXX  XXXX Reporting on XXXX, XXXX, and Transunion 1. Two different account names : XXXX  and XXXX  2. Account Status : 2 states Closed and 1 state open 3. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 4. Balance of {$100.00} incorrect Account Name : XXXX XXXX XXXX Reporting on XXXX, XXXX, and Transunion 1. Account Status : 2 states Closed and 1 state open 2. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 3. Balance of {$1200.00} incorrect

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 2019-01-31 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: FL

Complaint narrative:
Date : XX/XX/XXXX To Whom It May Concern, XXXX, Experian and XXXX  are reporting inaccurate information on my credit file. They have failed to investigate and verify that these items are reporting correctly. Their action has hurt my ability to obtain new credit and this is very troublesome to me. I have been disputing with them since XX/XX/XXXX last year and they still have not corrected the errors and this is a direct violation of my rights under the FCRA! I have documented each letter that I sent to them and their responses that I can use in my defense. I am asking that the said accounts below be removed from my file immediately! 
Accounts Account Name : XXXX XXXX Reporting on XXXX  and Experian 1. Open date of XX/XX/XXXX is incorrect. 
2. Past Due Amount of {$720.00} is incorrect Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Reporting on XXXX, Experian, and XXXX 1. Two different account names : XXXX  and XXXX  2. Account Status : 2 states Closed and 1 state open 3. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 4. Balance of {$100.00} incorrect Account Name : XXXX XXXX XXXX Reporting on XXXX, Experian, and XXXX  1. Account Status : 2 states Closed and 1 state open 2. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX XXXX. Balance of {$1200.00} incorrect

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 2019-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
The company change my payment after refusing the modification in XX/XX/XXXX the equity loan original started with XXXX XXXX XXXX and then it was transferred to nationstar in XXXX. The original loan equity was in XXXX for 20 years can the company change your payment with 5yrs left on the equity loan I don't think so but they yes without explanation ... 
Hope you can help Not only this time of year again I only ask if they can help after in XX/XX/XXXX I came to know I have XXXX. 
And this is the help from the company

Company response to consumer: Closed with explanation