vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: KEYCORP
State: PA

Complaint narrative:
KeyBank has been making my life XXXX! 
I submitted my original complaint to CFPB on XX/XX/2021, Complaint ID : XXXX. The company took over a month to resolve the issue, and in that time the original issue created additional problems, more bank fees! I have tried calling KeyBank to resolve these additional fee problems, and I've also emailed KeyBank. I have headed all of the instructions they gave me, but THEY STILL HAVE NOT RESOLVED THE ISSUE! KeyBank is so broken and disconected. Sometimes I called in and spoke to one person and the next time I called in, the original person that I spoke to had been " let go ''. I emailed a branch manager by the name of XXXX XXXX, as instructed by KeyBank staff. That email included call recordings between myself and the bank staff so that I would not have to constantly keep repeating myself over and over and over. I never got a reply to that email, and STILL no remedial action has been taken. KeyBanks website is it's primary way for customers to interact with their account, but the website is so VERY lousy. And it's not just on the consumer-end either. I've spoken to KeyBank reps and have had them access my account while on the line with me, and they see the same thing that I see which is very little insight into my account. I openly invite the CFPB agency to access my actual KeyBank account online, so that I can illustrate exactly what I mean regarding the poorly organized KeyBank website. As of the writing of this letter, XX/XX/2021 KeyBank has hit me with fees amounting to what I think is {$75.00}. The reason I say " I think '' is because KeyBanks website is so poorly organized as I've mentioned before. The online portal only allows users to see the last THREE months worth of transactions on the account, and then everything else just disappears. When calling into a KeyBank branch and speaking to a rep, I've had one rep tell me that there are no fees and another rep tell me that there are fees. KeyBank makes it so hard to work with them, and they have no problem calling me constantly for debt collection purposes. I have kept all call recording and email communication associated with this issue. I have attached some of those call recordings to this complaint. There are more recordings that I am unable to attach due to limited space.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Debtor placed collection account on my credit report after payments had ben made, and account was paid in full. requested deletion and was told will be deleted 60 days after payment received. account is paid in full and therefor should be reflected as such or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have been using my BofA EDD Debit Card for over year and half now. I've never had an issue with it. Prior to travel out of the country I had notified their department of it promptly. All of a sudden I find out that my account without prior notice whatsoever, has been blocked and locked. I am not able to access my funds, nor login into it, nor make any transactions while out of the country during the pandemic.

This is despite the U.S. District Court prohibiting Bank of America from freezing EDD debit card accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I called and spoke on XX/XX/2021 with BofA reps/supervisors for two hours. 
They're telling me the ONLY way to get this resolved is for me to PERSONALLY SHOW UP in a branch and present IDs. That is now not possible while I am out of the country till unknown foreseeable future with the pandemic. In the past, any issues I had to do with verification with BofA I would perform them on the phone with pin codes, security questions, etc. I have offered to submit my form of ID 's via email or online where I can upload them securely. They would not hear none of it. I am locked out completely from my only source of income while I am outside of the country during the pandemic!

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 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: FL

Complaint narrative:
XXXX  SELF LENDER XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX Has been sending me collection notices in the about The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hi so I called Citi Costco and tried to fix the problem and couldn't get any results on XX/XX/2021 I applied for a Citi Costco card and got declined and was sent a decline application letter I know that I am the original creditor and that I can not be declined credit adverse action is for the denial of employment and insurance

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 2021-09-20 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: DE

Complaint narrative:
I submitted disputes and an FTC report for fraudulent accounts on my credit report. These accounts have not been deleted. 

Experian XXXX XXXX : XXXX XXXX {$120.00} XXXX XXXX {$170.00}

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 2021-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX we signed a contract with XXXX  XXXX  's ( aka Great Day Improvements LLC ) salesperson XXXX XXXX to manufacture and install a screened in patio with " work to start approximately XXXX weeks from the date of the contract ''. XXXX  XXXX  finances their work through Greensky, so we took out a loan with Greensky on XX/XX/XXXX with the salesperson directing our application. We are now 21 weeks out from the contract date and no work has been started. We can not even get a firm start date of when to expect work to commence. So far the dates we have been provided are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX. We have been charged {$4100.00} as a down payment that we are currently paying on. Whenever we call XXXX  XXXX  to get a status update, the only information we are provided is that the material is not in and they don't know when they will receive it. When we ask for call backs with further information, we never receive responses and have to follow up ourselves. Noone can provide a definite date when we can expect work to commence or even if/when they will get in our material. Meantime, it is obvious from online reviews that customers who put in their orders months after us have already had their patios installed. We had to get an approval from our HOA to get this patio installed and that approval expires XX/XX/XXXX. Last week I reached out to Greensky to either get the work complete by XX/XX/XXXX or cancel my loan and get a full refund since the company has not kept up their end of the contract. Greensky says they can cancel later installments, but can not guarantee a full refund of the deposit amount unless the vendor agrees. I'm not sure why a vendor gets to keep half of the total amount of the work when they have done nothing and are now over a month out from what the original contract said would be the completion date. Greensky should be protecting the consumer here when the vendor is not doing what they agreed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I received a text from XXXX, " Equifax noticed that your scores dropped by 46 pints on XX/XX/XXXX and must be confirmed or disputed by today here XXXX ''. This is a phishing attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
On XX/XX/XXXX. I finished paying off my car loan loan to Kia Motors Finance. After I received the paid in full letter and the title for the vehicle. Kia Motors Finance continued to call me demanding additional money. After I paid my car loan off in full. The amount representative from Kia Motors Finance demanded was {$1400.00}. When I refused Kia Motors Finance started to put false information on my credit report. They stated that the {$1400.00} was a " charge off ''. On or about XX/XX/XXXX. I notified the State Of New York Office Of The Attorney General, file # XXXX to step in. An help resolve the matter. After a brief investigation Kia Motors Finance admitted that I showed proof of payment. However they refused to stop falsely reporting too all three credit reporting agencies. Kia motors Finance has severally damaged my credit for the past three years and still continues too do so. They attempted to extort me of funds and have damaged my reputation. They have caused me great lose and the ability to purchase a new home, etc.

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 2021-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Best Buy card by Citibank. I made several large purchases at this store in XXXX, unknown to me, those purchases which had no interest charges for a certain amount of time, were actually compounding interest, which they charge in one very large sum at the end of the promotion. A week ago I made a payment, and I was {$400.00} under the limit, and slowly trying to pay it off. Today, I found it {$250.00} over the limit because of one of the interest charges. That means my next minimum payment is close to {$300.00}, which I will be unable to pay, damaging my credit which I am trying very hard to fix. 

These promotions, while I'm sure had fine print are deceptive and misleading.

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 2021-09-20 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: DE

Complaint narrative:
I submitted disputes and an FTC report for fraudulent accounts on my credit report. These accounts have not been deleted. 

XXXX & Equifax : XXXX XXXX {$120.00} XXXX XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: TN

Complaint narrative:
I have contacted the bureau and the companies concerning inquiries on my report that doesn't belong to me. Here are the inquiries : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 2021-09-20 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: FL

Complaint narrative:
This is a complaint against timeshare XXXX XXXX / XXXX XXXX XXXX XXXX. The people we dealt with or were involved with this were XXXX XXXX, XXXX XXXX, XXXX XXXX, all claimed to not work on commission. When we spoke to them, they told me I was making a good financial investment & promised things would be positively different each time things got worse. They enticed us saying that we can actually make money from it by renting it out hence gaining rental income. Another profit would be if we decide to sell it because the resale value would go up. We were told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered it's our last chance at the lowest price. They opened a credit card for us but was not approved, they never gave us a copy of the application and were not properly educated of the fees involved. Everything was rushed especially when they didn't even gave us ample time to read through the contract and understand it's contents so we can be fully aware of the contents of the agreement. They also used threatening statements such as ruining our credit and possibly go to jail. We weren't properly informed how to cancel. Though they informed us how many days to cancel and we were able to send cancellation request but obviously it was never cancelled. We have copies of communications sent to them. We felt we were profiled, we were XXXX y/o at the time and we feel like our age were taken advantage of. We experience stress because of this timeshare, sickness, headaches, can't sleep, stopped going out due to fear and given our age, it just doesn't help plus the medical condition we're dealing with ( XXXX ). Having this timeshare just makes our situation worse, the pressure when we spoke to them, not allowing time to read the contract, telling us we'll lose out on the deal if we wait. All we got is being stressed out ever since we had this timeshare. We were simply defrauded, lied to and was taken advantage of.

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 2021-09-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a request to investigate certain accounts on my Experian and XXXX reports. I submitted my first request on XX/XX/2021, I did not receive a response from either bureau and so I then sent a failure to respond letter on XX/XX/2021. I never received a response to that letter either. These issues are extremely frustrating as these errors are drastically affecting my lively hood and holding up my home buying process. 

I would like to file a complaint against both Experian and XXXX for failure to respond to both of my requests.

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 2021-09-20 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: SC

Complaint narrative:
I submitted a request to investigate certain accounts on my XXXX and Equifax reports. I submitted my first request on XX/XX/2021, I did not receive a response from either bureau and so I then sent a failure to respond letter on XX/XX/2021. I never received a response to that letter either. These issues are extremely frustrating as these errors are drastically affecting my lively hood and holding up my home buying process. 

I would like to file a complaint against both XXXX and Equifax for failure to respond to both of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank has stolen my car for a debt that they have not validated and are trying to get me to pay XXXX to get the car back. 
They have violated at least 10 consumer laws and FDCPA violations. 

I'm sure its more in the contract which I will point out once I receive it. I've had to deal with a lot of stress and anxiety since they have stolen my car. Had to start ubering my child to school with no car seat in the middle of the pandemic. And that has put a lot of trauma in my life

Company response to consumer: Closed with explanation