vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: CO

Complaint narrative:
I opened a KeyBank checking account on XX/XX/2020, a few days after opening a KeyBank Gold Money Market Account on XX/XX/XXXX or so. 

Despite several calls to Key Bank since opening this checking account on XX/XX/XXXX, they have failed to provide access to it and it is unable to be seen on the mobile deposit or in online banking. I have called their 800 number several times, they don't address it, make excuses, don't follow up, etc. On Friday XX/XX/2020, they told me a programmer was going to fix the issue so I could see and access my checking account in the mobile app or in online banking, and told me it would be resolved in 10 business days. Ten business days has come and gone, then I called back in late XXXX to ask why this still was done despite their promise it would be done from the XX/XX/XXXX call. They gave me the run around and no answers. Almost an entire MONTH after opening up this checking account, repeated calls to their customer service line, and promises this would be resolved, they've not delivered. Key Bank is a criminal enterprise, has the worst, dysfunctional and unavailable mobile app I have ever seen, and they lie to customers. 

I have zero access to my checking account, can not see it in the mobile app, have tried today to log in online and see it, to no avail. I emailed the personal banker the week of XX/XX/XXXX expressing concerns, he never replied to my email either. I will be getting a lawyer involved soon because their mobile app does not work and allow the customer to see their checking account despite me trying to add it to the app. The programmers and technology people do not follow up with the customer and neither does the branch banker or customer service. This needs escalated to the Executive Level.

I'm not playing games with KeyBank anymore. Their mobile app is always down, I've read  numerous online posts from frustrated customers, and I can not even get statements on my checking account, let alone see it in the mobile app or in online banking. The CFPB and OCC need to get to the bottom of mobile app issues that exist at KeyBank and their terrible technology woes. This has real impact to customers! And they also do not staff their customer service line so customers can not get a person on the phone to resolve their issues and the branches are closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: NY

Complaint narrative:
To Whom It May Concern, I am looking through my credit report file on XX/XX/XXXX I noticed some inaccurate information. The following information is inaccurate ... I never made any of the following. Was not authorized by me. 

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also have a Derogatory mark showing on my credit report. I was told this would be removed. I will send you a picture of it still being up on my report. This should be removed. Any questions feel free to reach out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: NY

Complaint narrative:
To Whom It May Concern, I am looking through my credit report file on XX/XX/XXXX I noticed some inaccurate information. The following information is inaccurate ... I never made any of the following. Was not authorized by me. 

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also have a Derogatory mark showing on my credit report. I was told this would be removed. I will send you a picture of it still being up on my report. This should be removed. Any questions feel free to reach out to me.

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 2020-04-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have 3 Investigations that Equifax has been looking into and still haven't posted the results. their status is pending and the results according to their site i should have received by now. most of the time this is the case when i put in a credit report dispute with them. i have uploaded the document of the screenshot i see when i login

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
Numerous calls about collection of account with XXXX XXXX, received a letter offering to settle the account. i took the settlement and paid dish network as instructed to do. now they started calling everyday and some times 2=3 times a day about payment on thia account. Dish deposited the check in early XXXX. Covergegent is co that is continuously calling i have instructed them not to call me as this account has been satisfied

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 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On the existing account ending in XXXX with XXXX  XXXX XXXX for the amount {$1700.00}. I tried several times reporting the issue that this account does not belong to me. The account doesnt not even have the correct spelling of my name and doesnt have the correct phone number.

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 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi! 
I have been attempting to reach a supervisor to cancel my trip, that I booked through Capital One Travel, since XX/XX/XXXX. I understand these are extraordinary times, and have tried to give the benefit to the company. 
I called on XX/XX/XXXX and waited on hold for 64 minutes prior to reaching a representative that informed me I would need to contact the hotel itself to get permission for a full refund and would then need to call back. I called the hotel on XX/XX/XXXX and received permission for a full refund. They made a note on my reservation. I then called back to Capital One and waited on hold for 2 hours and 20 minutes, during which a representative got on the phone and told me I needed to call back 3 days prior to my trip. I explained that I was a XXXX  on a XXXX  designated unit and have been working extra during the pandemic and would not be able to call during this time, as I work 12 hours. He stated that was what I needed to do. He transferred me to the supervisor, whom he said would tell me the same thing, and the line disconnected as I waited. I called on XX/XX/XXXX and waited 6 hours and 32 minutes before having to disconnect, so I could work in the morning. I called on XX/XX/XXXX from work and had coworkers help listen for an answer as we worked. I was transferred to a supervisor, my total wait time was 8 hours and 43 minutes before the line disconnected with no word ( I assume because the office closed ). XX/XX/XXXX I called Capital One as soon as they opened per their hours stated, waited on hold 2.5 hours and the call disconnected. XX/XX/XXXX I called the hotel to verify the full refund would be granted and again they stated my refund would be issued once Capital One cancelled the reservation. XX/XX/XXXX Since I was not getting anywhere from the multiple calls I made, I decided to mail a letter to the address on my confirmation for the trip to Capital One. I mailed a letter through XXXX  XXXX to Capital One Travel on XX/XX/XXXX cost was {$11.00}. I received a call on XX/XX/XXXX from XXXX  XXXX stating they would not be able to deliver the letter because there was no such address or building. I verified the address from the Capital One Travel confirmation and she stated that is the address they had on the envelope, but it didn't exist. I have attempted to cancel online and my " cancel reservation '' is disabled and the site provides the number that I have been calling repeatedly. XX/XX/XXXX I attempted again today to call and after 1 hour and 5 minutes, the call disconnected stating " system failure ''. I am at a loss for how to contact this company for my refund. I am asking for my refund. Every other company provides a form to fill out or answers within a reasonable time frame. I have had to cancel airline flights and other stays. This is by far the most mismanaged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion displaying innacurrate employer on credit report. I do not work for 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 2020-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Credit Acceptance claims I owe them over {$4000.00}. Ive repeatedly tried to contact the finance manager, who will not respond to my calls or mail. I talked to XXXX once on the phone, then he was supposed to call me back and never did. I left several voicemails for him to call me back. I continue to get wrongful late charges on my credit report.

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 2020-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CO

Complaint narrative:
This is regarding the Public Service Loan Forgiveness Program. The lender keeps mistaking paperwork and not applying properly to the account, which should be a simple administrative task. I've had to call again and again to try to solve and rectify the issue, and resubmit every single time, averaging more than five different occasions. Each customer service representative tells a different story, only for me to have to repeat submitting paperwork again because someone could not do their job and the paperwork submtited each time by me ( borrower ), goes to waste or expires. During this COVID-19, the entire phone lines and email system is down so I can not contact them to try to figure out my account and make sure we are on same page, including a refund of my posted payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX  XXXX {$0.00} XXXX XXXX {$680.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$720.00}

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 2020-04-03 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX  XXXX {$0.00} XXXX XXXX {$680.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$720.00}

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 2020-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: IN

Complaint narrative:
I contacted Mobiloans to ask if they were doing anything to help consumers who had lost income due to the coronavirus pandemic. They stated that at that time they were not doing anything, but that I could push back my payment to the next payment date, and that I could just pay both payments on that date. That doesnt help me because at this time I dont have an income, so I looked into more information on the company, and discovered that in several states including my own, they were charging interest beyond the cap that is allowed, so Im trying to find out if I can try to settle for a lesser amount than is owed since I have paid a substantial amount of interest already to them. Also, a few days after I called, they lowered my credit limit to {$1900.00}, whos was {$500.00} less than what I owed, then a couple of days later, changed it to {$2400.00}.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a cashier 's check for the amount of {$16000.00} from Wells Fargo dated XX/XX/17 with no expiration date. 

I mobile deposited to my XXXX XXXX account which accepted the check. It was then denied payment and returned by Wells Fargo. When I call, they will not verify the status because they say that the account number isn't one that they know. 

This came from their NY branch. They told me I must go to their NY branch to verify, but we are in the middle of the COVID crisis and they have no branches open unless you are a customer. 

They are holding a significant amount of money that I need to pay for my families bills during this trying time, but they are doing nothing to help.

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 2020-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I received a letter dated XX/XX/XXXX on XX/XX/XXXX. I called today XX/XX/XXXX and spoke with XXXX regarding alleged debt. When I asked representative about the debt she advised she was not able to give much informtion due to HIPPA laws. However, I advised representative that the debt was not owed per the insurance company as another company attempted to collect on the same debt. A complaint was filed on XX/XX/XXXX with the CFPB regarding the same debt and a response with alleged debtor repsonsed XX/XX/XXXX. Case # XXXX. I have attached the bill from the prior company as well as the new company with the same account number. 

I received a call on XX/XX/XXXX at XXXX XXXX  from XXXX XXXX XXXX regarding a bill from XXXX XXXX XXXX XXXX for the amount of {$150.00} The representative I spoke with hung up the phone in my face after I asked how could I help her. I called back and spoke with an XXXX, who was also very rude as I informed her that I did not owe the debt. Her response was why did I call back. ( This was on a recorded call ). I then called my insurance company ( XXXX ) and informed them of the phone call I had received from XXXX XXXX  XXXX. The representative from the insurance company asked for the number of the collection agency to which I received a call and called them at the number provided ( XXXX ). The representative from XXXX called while I was on the phone and advised the representative to cease all calls and communication as the bill was a provider write-off. The call was ended and and several days later I received letter in the mail stated that I owed the debt for the bill. I called XXXX XXXX  XXXX on XX/XX/XXXX and spoke with representative XXXX who informed me that {$150.00} was still owed. I asked her to read the notes, to which she stated that she was not aware of any notes on the account. I then ask to speak with a supervisor, to which I then spoke with Mr. XXXX. The call was disconnected I then called back and spoke with XXXX who advised that Mr. XXXX would return my call and needed a good contact number. I asked MsXXXX XXXX to send me a letter stating that I did not owe the debt, to which she stated " a letter ''. 

Company 's Response Consumer 's concern has been documented and all communication will be ceased. We have notified the client of the consumer 's 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 explanation
Consumer complaint received 2020-04-03 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: MD

Complaint narrative:
On XX/XX/2020 I received an alert from Equifax stating that my address had been changed. I check my report and validated with my current creditors non of which has requested an address change for me. I had OPT outs placed on my credit reports and freezes since XX/XX/2020 so did not understand how an inquiry was run and my address changed. Only 1 hard credit pull appeared on my report by a collection agency ( 3rd party ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, who is not a valid creditor which is why they had to do a hard pull and that was done without my authorization. Creditors perform soft pulls that are authorized. I have no collections or judgments on my credit report and at no time were they authorized to change my address. I " refroze '' my credit file again that day and had them put my address back as it has been for a few years now. I asked the credit bureaus to provide for me the name of the " creditor '' who requested the address change for me back to a property I no longer own or live in and they refused to provide that information. 

Again to day XX/XX/2020 I have received alert notifications that my address has been changed again with the same company being the only want inquiring about my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. Again I have no account with them and no collects on my credit file. But even if I did this is clearly abuse of the system to lower my credit score and the law is clear " A person submitting a false change of address form may be imprisoned for up to 5 years plus subject to a {>= $1,000,000} fine ''. I again began to write and call the credit bureaus demanding to know who submitted a change of address for me and was told by " XXXX '' at XXXX  that they don't track or keep who makes this type of request. '' I find it difficult to believe as this would leave consumers open to fraud, identity theft, etc. I am asking that the credit bureaus provide the name of the agency who has changed my address 2 times in the last thirty days so that I can take appropriate action. 

I would also like this complaint to include XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX - Attorney XXXX XXXX XXXX ( XXXX ) XXXX, and I need to know who gave them expressed permission to perform a hard pull of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Company improperly submitted an old collections account as new, damaging both my credit report and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are unauthorized inquires on my credit report that should not be there, I did not apply for anything

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