vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: FL

Complaint narrative:
I have been attempting since XX/XX/XXXX to close my account with Key Bank in XXXX  since I now live in XXXX. This account has been in existence since the XXXX. 

I contacted the bank by phone on XX/XX/2019 to assist me with this problem. 
You will see from the attached document that their system continued to charge me service charges while I was in direct contact with them begging them to help me close this account from XXXX. 

They advised me to deposit XXXX cents into the account so that I could close the account. 
I did so, as evidenced on the attached bank statement on XX/XX/2019. 
They told me to accomplish this through a XXXX system transfer. 
XXXX only allowed a {$1.00} transfer for whatever reason. 

On XX/XX/2019, they again charged me a {$33.00} overdraft fee while I have been begging them on the phone to help me close this account. They have refused to do so. 

A incorrect transfer of {$1000.00} was deposited into my account in error on XX/XX/2019, and they are telling, me through not fault of my own, that this triggered the account to stay open. They will not help me to close this account and now need your agency 's assistance to do so & I am respectfully asking for your involvement. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: TX

Complaint narrative:
on XX/XX/XXXX contacted Penn Credit Corp and spoke with employee # XXXX about the debt information I received and disputed that the documentation sent with the photos was not visible or clear proving I owe the debt. I stated to the employee # XXXX  that I want to continue to dispute this debt being the photos they sent me in fact is not proving I owe the debt because they are not clear or readable of my license plate for my vehicle’sEmployee #XXXX  wanted to argue with me and speak over me while talking and said they are mine and he can read the license plate numbers. I again said in the conversation it’s not legible or readable and that it’s not the front of my vehicle and the amounts are not making sense being I do not use the Tolls. This employee demanded that I was refusing to pay the debt and not accepting my dispute and was trying to hang up on me and not listen to my dispute request as allowed under FDCPA. Then this employee said he would just document that I was refusing to pay the amount owed. My FDCPA rights have been violated and I want this documented for the record. This conversation with this employee was monitored by another employee of mine at the time of the conversation on XX/XX/2019 about XXXX. Also, this same debt has been disputed since early XX/XX/2019 by certified mail. I also have had several other phone conversations with this office that I'm willing to write written testimony on with dates and times when we get to that point. Please see my attached pictures that are not readable. Also the amounts are not broken down into where, when, time, or accurate dates and amounts of the toll charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
on XXXX I obtained a auto loan with NC State Employees Credit Union. I finalized my loan with XXXX XXXX  who advised I could have an extended term of 7 years at XXXX in which I agreed which was based of an 4.25 interest rate and took my new auto loan. When I received my documents in the mail to sign on XXXX  the rate was 5.75% and the payment of XXXX  I contacted the Credit Union on XXXX   and spoke with XXXX who advised that XXXX quoted my payment off the incorrect interest. I was then advised that they could not give me what was quoted and that I should have read the website for rates and needed to go to the Branch for resolution. On XXXX  I went and spoke with XXXX XXXX at the Branch and was also advised that they apologize for the error but the they could not allow the terms that was quoted and could extend my loan for 8 years making me keep the car longer than agreed and the board will not make an exception. As a consumer I feel I am being penalized for the Credit Unions mistake and that I should just sign the documents and not read them. I advised them when XXXX   printed my documents and noted the error, I should have immediately been contacted of the error while I was still at the dealership. Instead, I left in good faith that I was given accurate information and I was mailed documents as if it would never be noticed. Granted the difference is not much but I should be granted what was disclosed to me and agreed upon. what the bank has offered me as a remedy still benefits them and not the consumer as they will make money off incorrect information. I am left with either accepting what they offer or rescind my loan and turn the vehicle in. I spoke with a supervisor (XXXX) at the Contact Center has asked for the calls to be pulled to proof I was indeed given inaccurate information and was told it could not be done. Most banks when these errors are made the rate can be deviated, but all I am hearing is we all make mistakes and we are human. As this is true, you still should do right by your member/customer.

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 2019-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I cannot attach an application or other documents other than the image from XXXX   because I was not provided any access to the documents or interviewed at any time by a loan officer. Proper Loan company pulled a credit inquiry lowering my credit score XXXX  points and denied my application prior to the application being filled out with complete financial information I they did not allow me to provide. I am a member of XXXX. I received a notice from them that Prosper lending company had "pre-approved" me for approximately a 6% personal loan. I was going to pay off some credit cards with this. I filled out the application, however, I had some business details that I could not upload, and also some other financial information. For instance, we paid off a XXXX  loan a few days earlier, and they wouldn't have seen that payoff. I contacted them on XXXX XXXX by phone, as they had left a message. I contacted them twice speaking to employees, and they could not forward me to the persons who called me. I explained that I had not completed the application for the loan, and I need to provide the information they need to grant the loan. Yet, instead, I received a call that they denied me the loan without any offer to allow me to complete the loan application. I was never interviewed by any prosper employees regarding this loan application and ultimate denial. It is arbitrary to negligently send derogatory inaccurate credit information to reporting agencies. This company did a bait and switch advertising and is harming peoples credit score without allowing people to complete the financial report application. I have a credit score of XXXX, and this is reported without the acknowledgement of a XXXX debt that I recently paid, but not yet reported, which is typical and they should have asked me questions, and they did not even allow it. Also, I was denied in the application the ability to report an additional XXXX  income from business that I could not get the financials for due to the holidays.

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 2019-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MD

Complaint narrative:
I recently decided to refinance my federal student loans. On XX/XX/19 FedLoan Servicing received a payoff amount of {$32000.00} from XXXX ( a third party refinancing service ). After receiving this payoff, FedLoan Servicing wiped all history of my payments made though the entire life of my loan. I can not access any payment history through my account. This is very concerning to me. I need access to my payment history for financial records as well as tax information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC
State: VA

Complaint narrative:
I had a 3-year (30,000 miles) vehicle lease from MINI Financial Services, XXXX XXXX XXXX, XXXX, OH  XXXX for a XXXX XXXX XXXX under MINI Financial Services Account Number XXXX. All lease payments were paid on time and the vehicle was returned to MINI Financial Services via its local dealer at the end of the lease on XX/XX/2019 with only XXXX miles on the odometer (versus 30,000 miles allowed). I was billed for a “disposition” fee of $XXXX which I paid on XX/XX/2019 upon receipt of the bill (Exhibit 1). At this point I did not expect to receive any more bills from MINI Financial Services since I do not have possession of this vehicle as acknowledged by MINI Financial Services (Exhibit 2). However, MINI Financial Services sent a bill through US Post Officer from MINI Financial Services dated XX/XX/2019 for “Vehicle Property Tax-XXXX   County, VA” for $XXXX (Exhibit 3). Since I was out of town from XX/XX/XXXX through XX/XX/2019, I did not realize that I had received this bill, which I had not expected. Upon collecting my mail I called MINI Financial Services on XX/XX/2019 and spoke to XXXX XXXX who demanded that I send full payment for $XXXX to cover the Property Tax bill that MINI Financial Services had received from XXXX   County, VA. I told Mr. XXXX that I was disputing this payment because this is an annual property tax that I did not owe because I did not possess the vehicle after XX/XX/2019. When Mr. XXXX   insisted that I pay the whole amount, I asked him to send me the bill which he refused to do.  (I have still not received the bill as of XX/XX/2019.)Since I did not receive the bill, I called XXXX County Tax Department to inquire about the bill. They could not send me the bill because the ownership of the vehicle is with MINI Financial Services, however they pulled up the records pertaining to this property and told me that MINI Financial Services had paid the bill late and the county had revised the bill amount to $XXXX which is 50% of the original bill amount of $XXXX and refunded $XXXX to MINI Financial Services (Exhibit 4).MINI Financial Services is trying to make me reimburse them for twice the amount that they owe XXXX County for taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This is a reverse credit card complaint. 

My complaint is with Chase Merchant Services. My company previously had online  credit card services with them in XXXX  (we used their company to run credit cards for purchases made to us). This company started a reserve for charge back services for our company. Our account was closed out with them in XX/XX/XXXX, at the time we were told it would take 6 months for the funds to be returned to us. It is now XX/XX/XXXX, TWO years since the account was closed and we have yet to see a dime of OUR money from this company. We have called repeatedly, been given the run around, sent to a million different employees "who can help solve our issues" yet we have seen no refund and gotten no assistance. This is my next step before legal action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was underpaid on my XXXX  store card payment by $XXXX which is issued by Comenity bank and when I realized the error I paid it and also inquired if they will accrue any fees or interest for a charge that was so small. I received a response advising since I was late that they have to charge me the late fee and since I requested a late fee reversal in the past that they will not grant another one. I feel that this is a form of predatory lending as now I owe express $XXXX   for a missed payment of only $XXXX

Please see a copy of the email I sent directly to them I also requested them to close the account which they also did not do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
This all started XX/XX/2018. I was scammed by a company that was supposed to create a website for me and a business model for selling products online through what they called a drop shipper. Unfortunately, this service was never rendered even after months and months. I tried to get out of the contract within the stated time but I was coerced to remain. After months of not receiving any help or information to continue the website I decided to gather all my evidence and fight the split transaction of {$5500.00} with my credit card companies. I mailed a copy of the evidence I gathered ( over 50 pages ) of emails and messages and dates and screenshots of the " website '' to both my credit card companies. Thankfully one of my credit card companies did the right thing and fought the transaction with me, obtaining a part of my {$5500.00} initial payment and {$49.00} hosting fee I was being charged for several months on a website that was never live and never ready. I received {$2500.00} from one of my credit card companies. However, after all evidence submitted, my other credit card company ( Citibank-mastercard ) was unwilling to get the money back and continued to deny my request after more than 3 attempts at contacting them. I have struggled financially ever since this incident and have to repay Citibank and other credit cards for the financial losses this incident has caused. I would like to be able to recoup what was stolen from me by the company called XXXX who operate out of Washington State. They have a proven track record of scamming others and have even changed their name of business to continue to scam others. I am reaching out to you know as I can not even access my credit card with Citibank as they have denied me almost {$3000.00} in this case and I just can not pay their minimum. However if they would have just taken the evidence that I supplied them, they would have helped me to be able to pay them back in a timely manner without insane interest rates. I would like to get back on track and this is still weighing heavy with me. XXXX have scammed so many people and it is not fair that companies such as these are getting away with making so much money off of people. I don't know what else to do. I read online that Citibank didn't help other customers. I have no way to contact them as I am currently out of the country and really need some assistance to be done in writing. I hope you are able to help me. I appreciate you taking the time to read this. And I hope to provide greater detail through a resolution with you.

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 2019-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a Wal Mart card. Capital One now manages. Tried to make my payment at Walmart but they were unable to pull my account up now that Capital One runs it. I had lost my card and since that was how I paid it each month by swiping it at the counter I was not able to make my payment as I normally had in the past. I had asked for the associate to help get the account number but since they no longer handle it they could not do it. I called Capital One and requested a new card but since I was considered past due they would not issue another card nor would they provide my account number. I now have late charges and a decreased credit limit. Capital one is now making my minimum payment {$100.00} with a balance of {$200.00} I am a XXXX veteran on a fix income and Capital One is making it difficult to make my payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
2013 I was paying a loan back to Speedy cash but instead they said I was only paying interest after thinking I s l was done paying for, Funds increased to pay back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
my buiness checking account was hacked mid XX/XX/2019. I have been working with the bank to get the issue resolved for several months. I have closed accounts, talked with bankers in person nearly half a dozen times, filed a police report, frozen my credit and have been run around and ignored the entire time. The bank has declined my claim has refused to respond to my requests as to what is going on and now is just straight up ignoring me.

I need help to get my money back its been over 3 months!

I have attached copies of the police report to show proof of what is going on

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 monetary relief
Consumer complaint received 2019-12-05 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: DISCOVER BANK
State: TX

Complaint narrative:
Hi I didn’t apply for a discover card dated back XX/XX/XXXX and I didn’t accept this card in my name and it has two phone numbers it don’t belong to me in my name .... and discover completed there investigation and find it that I was responsible for this account but they never called me or send me any letters at all and I didn’t apply for this card ... but I wasn’t held responsible on two previous discover accounts and I have the letter and the proof they send me in the mail on XX/XX/XXXX on another discover account ...Discover has been giving me a hard time and they have rude customer service and they never ask for police report and never called me ... I want this account to be temporary removed off my credit report while they do there second investigation ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Couch Conville & Blitt LLC
State: MS

Complaint narrative:
i have tried to work with the company concerning this item, i was disputing it because of a late payment, them XXXX XXXX XXXX closed the Account because of the dispute.i have been dealing with this since XX/XX/XXXX and have gotten any results as of yet.Now this law firm ( COUCH, CONVILLE, and BLITT, LLC ) is sueing me for the same thing that i tried to take care of with XXXX  XXXX XXXX.i sent the law firm a letter last month XX/XX/XXXX concerning this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I submitted a dispute to Experian that an account ( XXXX ) showing on my credit report is not mine but my wife 's account. The account is not mine and never was and I wanted it removed from my credit report. Experian stated that : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' This simply is not true and is typical of this bank. Please investigate and remove if possible. Thank you dispute report number 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 2019-12-05 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: DISCOVER BANK
State: TX

Complaint narrative:
Hi I didnt apply for a discover card dated back XX/XX/XXXX and I didnt accept this card in my name and it has two phone numbers it dont belong to me in my name .... and discover completed there investigation and find it that I was responsible for this account but they never called me or send me any letters at all and I didnt apply for this card ... but I wasnt held responsible on two previous discover accounts and I have the letter and the proof they send me in the mail on XX/XX/XXXX on another discover account ... Discover has been giving me a hard time and they have rude customer service and they never ask for police report and never called me ... I want this account to be temporary removed off my credit report while they do there second investigation ....

Company response to consumer: Closed with explanation