vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP
State: NY

Complaint narrative:
I have requested the account statements for a XXXX XXXX XXXXXXXX benefits card in my name and social security number that was administered by Key Bank. Key Bank is refusing to send the statements to me. I have requested the statements from Key Bank three times, and Key Bank has refused to send the statements each time. I have filed two complaints, one with CFPB and one with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In both complaints, Key Bank told me that I should contact XXXX XXXX  XXXX DOL for " that any inquiries regarding the unemployment benefits for this Card must be directed to the program manager for your state ''. To be very clear, I am not contacting Key Bank for information about my unemployment benefits. I am contacting Key Bank to get the account statements that are in my name and my social security number. I have a right to obtain those statements from the financial institution that administers the account. XXXX XXXX state does not have the account statements. Only Key Bank has the account statements, and Key Bank is refusing to send the statements to me. Key Bank is misdirecting me to the XXXX DOL for this request. Prior to my requests for the account statements, Key Bank has sent other account information to me, including a rebate check. Clearly Key Bank has the ability to send account statements to me. 

It is Key Bank 's responsibility to send these account statements to me and Key Bank is refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Last month I contacted Lockhart, Morris & Montgomery. I was confused about an account on my credit report and needed more information. I spoke with a representative who claimed she was in charge of this account. I asked her if she could give me details of the ho the creditor is and the dates. She told me she could not give me that information. She said that it was against XXXX and all she could tell me that it was XXXX XXXXXXXX. That statement was a red flag, If this was my I formation used why can I not know the information about the account. I went in to tell her that I never been to that hospital and there is no way I went to that hospital during the year of XXXX. I mentioned that I lived in another state and this account could not be mine. She told me there is nothing they can do for me. She became rude and upset me when I continued to tell her. If I went to that hospital I would have signed up for assistance but I didnt even live in the area mentioned during that time. 

Now I am stuck with this in my credit and no way to resolve my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: DC

Complaint narrative:
I have been calling Kia Finance for a month and a half now trying to get my funds applied correctly. I purchased an extended warranty and a maintenance package on my new car in XX/XX/2021. I found out that I could only use the maintenance package at the dealer it was purchased from and since I no longer live in the state I requested a refund on it. I also requested a refund on the extended warranty. The dealer sent both refunds as one check and instead of sending it to me. Kia applied it to my principal. When I called and asked why it was not sent to me directly. I was told they do not refund warranties. I explained the entire payment was not a warranty and was told they would request to reimburse me. Here we are a month and a half later and I am being told different things every time I call. First I was told they could apply the warranty refund to my upcoming payment and reimburse me the balance. Now three days before the payment is due, Im being told they will not do that. I keep asking where in my contract it says they apply refunds to the principal and no one can tell me. I have been told now by XXXX and XXXX alleged supervisors that the policy is its applied to the principal. Their policy means nothing if its not in my contract. I have spoken to roughly 8-10 different representatives and each one has told me they would have the maintenance package refunded to me and the balance applied to my payments for the next three months. If I am still making payments on the contract, then the funds should be applied as I request.

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 2022-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Doesnt Experian collect, maintains, and safe guards my credit report information? Experian does not. XXXX XXXX XXXX XXXX ( XXXX ) unlawfully accessed my credit report in XX/XX/2017 which then led to a fraudulent loan. XXXX sent the attached incomplete, undated, and forged application as proof of permissible permission. Experian recently stated in one of many many of my complaints To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hey I was taken advantage of due to malpractice while several laws is being broken under the FCRA by your company. This has caused me financial injury this is cause me defamation of character, I can't get a job. I can't apply for credit.

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 2022-03-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Letter sent XX/XX/2022 a formal complaint to Experian XXXX and XXXX for Violating my Federally Protected Rights as a consumer ; received no response. Sent a follow up letter XX/XX/2022 demanding them to comply to their policies with verifying accounts within 30 days; received no response.

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 2022-03-14 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: TX

Complaint narrative:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX EOS XXXX 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 2022-03-14 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: WY

Complaint narrative:
I have a collection on my credit report identified as XXXX XXXX. This account was transferred to a company called XXXX  and later to a company referred to as XXXX. In the process of buying my home we attempted to pay this debt and contacted all three companies and were told my file did not exsist. We did dispute the account with all three credit bureaus with all three saying the debt was valid. We disputed three times asking for proof of debt for information on how the debt was validated and got no response from on bureau other than the debt was valid. To close on the mortgage our lender said the debt must be paid so under direction of XXXX they said the debt would be deleted from my credit report once a check was sent to a company called XXXX. XXXX did provide us with a file number after multiple phone calls. After waiting for a significant amount of time we called XXXX  to see when this trade line would be removed from my account their response was we cant find that fine so we dont know what happened to the check and we dont know how to have it removed. Therefore we have paid a debt with an agreement to have it removed from our credit report asked yo have the debt validated along with five others on our report and not a single one to this day has been validated by a single person we have requested this from. So we are requesting this trade line that has been paid be removed immediately and the five others that they can not validate be removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: FL

Complaint narrative:
Hey I was taken advantage of due to malpractice while several laws is being broken under the FCRA by your company. This has caused me financial injury this is cause me defamation of character, I can't get a job. I can't apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hey I was taken advantage of due to malpractice while several laws is being broken under the FCRA by your company. This has caused me financial injury this is cause me defamation of character, I can't get a job. I can't apply for credit.

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 2022-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
Submitted updated Employment Verification Forms to FedLoan when the Federal Government announced the temporary waiver for the Public Service Loan Forgiveness program in XXXX. I consolidated loans in XXXX and I'm seeking to have payments made between XXXX - XXXX counted for PSLF. On XX/XX/XXXX I received a letter that stated, in part, " Per your request we have completed our review of your eligible and qualifying payment counts in your pursuit of Public Service Loan Forgiveness ( PSLF ). We can confirm your payment count is accurate and now consider the matter closed. '' Unfortunately, this is categorically untrue as their own records show payments only counted after XXXX. This false, incorrect information is egregious for a representative of the Federal Government to send out, and FedLoan needs to put a stop to lying in writing to account holders immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
LoanDepot has been my mortgage provider. I Have been making regular payments on my property but they claim the payments are not going through- they have published XXXX  XXXX on my account - The Banks confirmed that the money has been debited and i have sent screenshots to the Mortgage company showing the money was taken from my account- there is a problem in their system ( they dont admit it ) Pls help me out here since the mortgage company is threatening me with foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-14 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: PNC Bank N.A.
State: AR

Complaint narrative:
I got a notification on XX/XX/2022, that my score has dropped. So I immediately go check to see what it was. There was a missed payment on an account that is not mine. I disputed this account before and it was removed from my credit report. I didn't know it was added back to my report. Nothing was sent to me confirming this account was added back or even proof that this account belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Had several fraud charges on my account went to the bank several times to have it resolved was not able to get it resolved bank is trying to charge me for these fraudulent charges

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK
State: MT

Complaint narrative:
We have been working with Freedom Financial Network, XXXX XXXX XXXX XXXX XXXX, AZ XXXX for several years now and for the most part, we are somewhat pleased with their performance but Unfortunately, this is not the case in yet another situation we received an IRS form of a debt cancelation of a debt that was negotiated and paid in full but the issue is that the debt actually belongs to someone else the last four of socials don't match, so we have been in fact paying someone else 's debt I would think when one supposedly runs the credit file with the client 's social we should be paying on that social this is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I cancelled all services with XXXX XXXX due to divorce filings in XX/XX/XXXX. Since that time, multiple collection agencies have bought the debt and continued to try to collect regardless of me contacting XXXX advising them of the divorce and that I was not in possession of the equipment as they were given to my soon to be ex-husband. Furthermore, it has been 7 years and should be removed. I have contacted XXXX over 10 times and to no end, they keep having debt collection companies buy it out and send requests for payment. In addition, I contracted XXXX in XX/XX/XXXX and XX/XX/XXXX for which I have become permanent XXXX following a 2 week XXXX XXXX. I would like to request that this account be permanently closed given the length as well as ongoing health conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have received " Access Checks '' to transfer balances from other accounts to my Credit Card account directly from Chase Freedom Bank each month for multiple months ( estimate at least 4+ months ). On XX/XX/2022, I called Chase ( XXXX ) and reached customer service where I requested these checks be stopped. The agent confirmed the stop request. 

On XX/XX/2022, I received an additional set of checks ( XXXX XXXX XXXX XXXX XXXX ). 

On XX/XX/2022, I called Chase again and spoke with an agent. She informed me of the notes from my XX/XX/XXXX call. I told her I had a new set of checks I just received and it should be cancelled. We got disconnected. I called back and spoke with another representative. She pushed the cancellation of the checks through on the account and escalated me to a senior representative. 

The senior representative confirmed the checks received XX/XX/2022 were printed on XX/XX/2022 ; after the initial cancellation on XX/XX/2022. These should be the last set I receive. She then disconnected the call without finishing the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: I.C. System, Inc.
State: FL

Complaint narrative:
this deb company wants to charge me for a service iam no using for, iam no bringing my pet there anymore and i dont have any amount pending to pay, all my payments whats made and discharge, and i cancell this wellness program few months ago, and now they said there i have a contract with them when i never hear or see this before, please i need help with this.

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 2022-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had XXXX in my account. I am buying a house, so I wanted to transfer money from the Citi Saving account to XXXX XXXX account that actually funded the Citi saving account. I also have been using the XXXX XXXX account to pay the Citi credit card bills every month for years. 

Since the maximum that I could transfer in a day is XXXX, I set up two XXXX transfers one and next day. The first one went through OK, but I received message from Citi to cancel the 2nd transfer. I was alarmed, and called Citi. A couple of customer service reps told me that I would get money back next day, so I can transfer then, The money never came back to my account, and it is showing pending everyday since. Including a weekend, it has been six day including today. I just called them again for the seven times. There is nothing they could do, and I have to wait up to 16 days to get my money back. 

They never told me that the reason that the 2nd transfer was cancelled. I would probably miss out with buying the house.

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 2022-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: UT

Complaint narrative:
I went through XXXX XXXX and clicked on a loan offer from XXXX. A credit inquiry was obtained by XXXX, I received notice of an inquiry from XXXX. The issue is, an application was not opened for me and I did not get a adverse action letter either. I called XXXX for assistance and they advised me I'd have to do another application through them and have another inquiry hit my credit report. They have no record of my application or inquiry and suggested that it was completed by XXXX XXXX. Every inquiry will hurt my score and it's likely that my score would be lower after a second pull, which would result in a higher interest rate. I was told by XXXX I would need to dispute the pull by mail or fax or talk to XXXX XXXX to remedy the issue. I don't understand why XXXX would work with XXXX XXXX to bait people in but then take no responsibility if an error like this occurs. I've worked too hard on building my score to let it tumble due to their or XXXX XXXX 's negligence. Now even going through another company, my rates will not be as competitive as they were before due to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I DO NOT OWE DEBT. DEBT HAS BEEN REMOVED MANY TIMES FROM ALL OF MY FILES, BUT SUDDENLY REAPPEARED.

Company response to consumer: Closed with explanation