milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with KEYCORP (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: InXX/XX/XXXXI entered into a Debit Management/Repayment program with XXXX XXXX   XXXX of XXXX NY. I included the credit cards I wanted them pay and make arrangements with. Key Bank was one of them. I began paying a lump sum of XXXX to cover all creditors including a payment of XXXX monthly to Key Bank in XX/XX/XXXX. My payment is debited from my account on the XXXX of every month and dispursed by CCS of XXXX. Key Bank has been receiving XXXX a month since XX/XX/XXXX I called Key Bank inXX/XX/XXXX at the request of XXXX and asked them to change my due date to the 25th. Key Bank indicated they would. To date they have not. XXXX payments continue to be " late '' allowing Key Bank to change me XXXX a month for a late payment. They also continue to charge me my interest rates and other fees. They have reported me to the Credit Bureaus as late and this has affected my credit score negatively. I have called XXXX of XXXX numerous times and with concerns that Key is not honoring the credit agreement and by all accounts has not entered into the agreement with me and has not adjusted anything to accept the XXXX a month as paid. CCS has advised me not to pay extra money to Key and to let them handle it. To date, they have not handled it and the situation is spiraling out of control and my credit rating is taking a beating because of it. Key Bank will not work with me over the phone or via mail. They call every month and make demands for payment despite getting my XXXX a month from XXXX. Key Bank claims they have no record of any agreement. XXXX claims they sent the agreement and that Key bank is notorious for doing this to people. I asked if I should pay the extra amount to keep my out of the collections calls and to keep my credit report positive and they advised me not to pay Key any additional money. As a result my credit score has taken a dive. All XXXX will do is say they drafted the agreement and are holding up their end of it, they are not responsible if Key Bank does not do what they are supposed to. XXXX advised my to seek held through the Attorney Generals office and FTC. I turned to CCS for help before my credit rating became damaged and because of their inaction and in my opinion, false promises, my credit rating has dipped. I need this situation fixed ASAP and Key to repair my credit report. This has been a nightmare credit wise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After looking at my credit report, I saw a collection account that does not belong to me. I am not allowed to dispute this information online on Experian or over the phone making it impossible for me. This false information is ruining my credit and knowing full well this people did not do their job and allow people to just post false accounts on my report. They need to delete this information immediately and do a proper investigation as this information is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In  XXXX   2017 I su bmitted all requir d annual documentation to re-certify my participation in the REPAYE payment plan with student  loan manager NAVIENT.  However, instead of putting me back on the REPAYE plan they automatically puts in th e IBR pla n which has higher monthly payments. They put me in IBR even though I submitted documentation saying that I wanted to remain in the REPAYE plan.this was  XXXX     2017.  Since  XXXX , I have called them on at leas t 5 sep arate occasions requesting that they put me back on the REPAYE plan. It is now  XXXX   2017 and t hey still have n't put me back on the REPAYE plan -- they actually removed me from any income based plan and my monthly payment has shot up frlm  XXXX  a month to  XXXX  a month.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX.is maliciously reporting to all three credit bureaus : Equifax, XXXX, and XXXX.Incorrectly wth regards to my status on account XXXX.I have 2 accounts with XXXX XXXX XXXX.One of which was closed due to refinancing.That is account XXXX.I 'm disputing there error of not acknowledging my last three payments in XX/XX/XXXX, and XX/XX/XXXX.Made on account XXXX PRIOR to XXXX XXXX XXXX.closing my account due to refinancing.XXXX XXXX XXXX in response submitted an XXXX credit report.Noting there was no error and there report was accurate.It was submitted on XX/XX/XXXX.I went on XXXX credit reporting site as well.Submitted as proof that XXXX XXXX XXXX.needs to change the status on account XXXX as current/closed refinanced.On my new account XXXX I was instructed to make a payment of {$100.00} towards my previous account XXXX prior to making my first new payment arrangement of {$130.00} on my new account XXXX.I made the payment on my new account XXXX before it was due on XX/XX/XXXX.That was my contractual obligation.To XXXX XXXX XXXX.in order to have my previous account XXXX refinanced.I made three payments on account XXXX.Prior to my new XXXX account being opened.I have bank statements documenting payments made twice to XXXX XXXX in XX/XX/XXXX, and a {$100.00} payment made to XXXX XXXX XXXX in XX/XX/XXXX.Both payments were made on account XXXX.I 'm asking that XXXX XXXX be held liable for accepting payment in the months of XX/XX/XXXX, and XX/XX/XXXX.FCRA states that a consumers account status should reflect the most recent activity.Lastly, on my Equifax credit report.XXXX XXXX XXXX.is reporting my closed account XXXX as open, and delinquent.That status is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: On XXXX/XXXX/XXXX I requested a 90 day fraud alert due to losing personal identification items. Instead of the 90 day alert Equifax placed a 7 year fraud alert. Since then, in both XXXX XXXX and XXXX XXXX I have mailed a letter to the address specified by Equifax for removal of fraud alerts. I included copies of my social security card, NC state ID card ( valid until XXXX ) and a current power bill. As of XXXX/XXXX/XXXX the fraud alert has not been removed. I want it gone immediately. I am including a copy of the page showing the fraud alert still present on XXXX/XXXX/XXXX. Equifax Confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Auto) with TD BANK US HOLDING COMPANY (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Lately I 've been receiving messages for XXXX XXXX and XXXX from TD Auto Finance. I called back and each time I called the number back the phone ring one time. Eventually I went online and got a contact number and I answered questions and reported that I do not have a account number or have any business with this company, and yet I am receiving messages for XXXX and XXXX XXXX ; I was told that it was a mistaken call and my home number would be removed. 
Several days later TD Auto Finance called again and asked for XXXX XXXX and I said, " you have the wrong number. '' Then I was asked do I know a XXXX which quickly annoyed me because I do all the financial paperwork for my family and the cars that we have were never financed with TD Auto Finance. 
Its really a concern to me when I gave this company factual information and had to demand that they do not call my home number again. 
I do n't know they purposes for calling, I 'm not XXXX. This situation became ugly in no time because when you have the wrong number it 's wrong!!! I also warned this company that if I get another call that I was going to contact the Bureau of Consumer Financial Protection ; and well that did n't help because I still getting calls from a XXXX XXXX XXXX at TD Auto Finance. 
Please help me in this matter and my patience are now thin and I know that it not good for my health. Any thing you do I would be so graceful. Thank you all for understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid - satisfaction of jmt filed XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: failed to correctly apply payments to accounts, steered struggling borrower into paying more than was owed, hurt the credit of XXXX borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There are XXXX hard inquires listed on my credit reports from Mortgage companies XX/XX/2015. I shopped for the best rate and terms for my Loan Refinance. I was told by these companies that these hard inquires should only be counted as XXXX and not be counted individually. These inquiries are as follows : XXXX XXXX, 2015 : XXXX XXXX, XXXX XXXX, 2015 : XXXX XXXX XXXX and XXXX XXXX, 2015 : XXXX XXXX Please review these hard inquires and make the necessary changes and corrections on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To whom it may concern, I have had a Home Equity Line of Credit with XXXX XXXX for almost fifteen years. Recently, XXXX XXXX chose to report, " Account Closed '' on my credit bureaus, even though it is OPEN with a balance that I make payments on each month. XXXX XXXX had blocked access to funds back in XXXX when real estate values had plunged. I 've never been a day late on my payments, EVER! And now my account is considered " CLOSED ''!? 

The issue I have is that this move by XXXX XXXX of reporting my account as " CLOSED '' has caused my credit scores to suffer terribly because still having a {$71000.00} balance now makes my utilization percentage on my credit reports soar to over 100 % virtually killing my credit scores. So much so, I 'm having trouble getting credit and refinancing my house. It 's unfair and causing financial hardship for me and my family. 
The stress is unbearable, as I am unable to acquire new credit for my business or refinance my house. I need your help. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Chase XXXX Account Number : XXXX XXXX XXXX XXXX OnXX/XX/XXXX, I booked a hotel room at the XXXX XXXX XXXX on my XXXX card number XXXX XXXX XXXX XXXX. The payment amount was {$250.00} for a two night stay, with check in XX/XX/XXXX, and check out XX/XX/XXXX. This is documented in Exhibit A. 

I received a voucher reference number XXXX, which confirmed the hotel reservation details. I was advised that I would need to present this voucher and identification at the time of hotel check in. The voucher is documented in Exhibit B. 

On XX/XX/XXXX, I checked in to the XXXX XXXX XXXX hotel, and presented my voucher and identification to the receptionist. The receptionist requested that I pay a Resort Fee of {$74.00} for the two night stay, and stated that the Resort Fee was required to cover use of swimming pool, car parking facilities and internet. I advised the receptionist that I would not be using the swimming pool, and that both car parking facilities and internet were advertised as being free. 
The receptionist then advised that the Resort Fee was a mandatory requirement, so I reluctantly paid the {$74.00} Resort Fee, which is documented in Exhibit C. 

On XX/XX/XXXX, I telephoned Chase XXXX on XXXX, and advised them of the series of events, as described above. I requested that they refund the {$74.00} Resort Fee, as this had not been disclosed to me at the time of booking. I explained that I had been forced to pay this in order to occupy the hotel room. 
Chase XXXX advised that they would issue a temporary {$74.00} credit to my account while they investigated the dispute. Chase XXXX advised that they would inform me of their decision within 30 days. 

I received a letter from Chase XXXX, dated XX/XX/XXXX, advising that they had removed the temporary {$74.00} credit, and that the disputed amount would appear on next billing statement. The letter is documented in Exhibit D. 
The merchant documentation referenced in the letter is documented in Exhibit E. It would appear that the merchant documentation supplied was issued in error, as it is written in a foreign language, and makes reference to a {$1000.00} amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: -XX/XX/XXXX I bought a used XXXX XXXX XXXX from XXXX XXXX in XXXX MI -I made all payments on time via automatic bank withdrawal from my XXXX XXXX XXXX. -XX/XX/XXXX I traded the XXXX in at XXXX XXXX XXXX XXXX XXXX MI -XX/XX/XXXX I received a letter from Ni

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing XXXX XXXX XXXX my credit report and it keeps coming back as verified. I have not received anything in the mail asking me to verify anything. The account is not mine. I'm only XXXX and it looks like it could've been opened when I was XXXX according to the open date. Either way the account does not belong to me. I've never had a credit card in my life. How can they just give credit to someone without verifying that it is the correct person. I need this deleted immediately, it is affecting my credit in a tremendous way. It needs to be deleted from all XXXX credit bureau. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (I do not know) with ERC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving phone calls about 5 per day all of them have a representative that gives me their name then demands that I verify information before they will give me any information. Today XXXX2017 I had to ask the representative twice before the representative said she was from ERC an accounts receivable company but would not tell me what company she was trying to collect with. I told her to mail me info to whatever address they had on file. I refused to give my personal information to them because I do not know who this company is or what they want since they refuse to tell me why they are calling. I want the calls to stop. If I owe money I want something in writing that I can dispute but I wo n't verify anything or give any info to a company that does not identify who they are and why they are calling. ERC is harnessing me and trying to get info under false pretenses by not telling me who they are and what they want.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Medical) with State Collection Service, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Received XXXX services from XX/XX/XXXX-XX/XX/XXXX. XXXX received in XX/XX/XXXX did not appear to have proper insurance reimbursement and network adjustment through XXXX. Contacted XXXX and provider. XXXX response was unclear but blocked further inquiry. Began monthly letters to provider ( XXXX XXXX ) asking for clarification of charges. Provider only responded with additional invoices which had different amounts almost monthly. Received occasional phone calls from provider rep who agreed to look into the account but never submitted requested information. Engaged a medical billing dispute firm in XX/XX/XXXX. They also did not get the requested information. 
Today we received a notice from a collection agency in Wisconsin who asserted that they had been retained to collect the amount due, now shown as {$2100.00}. We had not been advised that this action was pending. Sent certified letter to that collection agency stating that the account is and has been in dispute since XX/XX/XXXX. We are basically being asked to pay an amount that they say is due without providing any substantiation. We are able to pay and have offered to do so with validation of the amount due. Total lack of response and responsibility by provider. May simply be a matter of how the charges were coded for insurance reimbursement ; but they have been unwilling to take necessary steps or provide the information that we requested.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Settlement process and costs

Complaint: Before we refinanced we had Net Escrow Refund of {$2400.00} with PennyMac Mortgage. We refinanced a VA loan with PennyMac Mortgage Co. on XX/XX/XXXX to lower interest rate. I requested that Closing Disclosure be faxed to us, we signed and faxed it back. We had a XX/XX/XXXX loan signing, the XX/XX/XXXX Disclosure did not match the Loan Docs., final closing statement, but we signed anyway. We then noticed we did not see or receive Escrow refund on loan documents. I called, spoke to loan agent XXXX XXXX, Loan Officer ( XXXX.Ca. ), she referred me to loan processor, XXXX XXXX ( XXXX, Ca. ) XX/XX/XXXX, he said he would look into it. On XX/XX/XXXX over 2 months later, I received a new Addendum to closing disclosure with completely different figures. I did quite a bit of research on this and discovered that under TIL-RESPA Requirements, The new CDF comes with Stringent Requirements that were not met. First the time line, 2nd-Closing Cost Details-costs of loan were changed in different areas Also, ie ; Summary of Borrowers and sellers transactions, Escrow funds, etc. I am lodging complaint because of this and that 12 CFR1026.38 ( f ), ( g ) and CFR 1026 ( j ) and ( k ). which were not done. I asked for breakdown on the summary of Borrower 's Tranaction CFR1026-38 ( j ) ( 1 ) - ( 4 ) ie ; ( Itemization amounts XXXX to XXXX ) also see Appendix H of CFR 1026.38 ( t ). I also noticed a amount shown as Aggregate Adjustment, What is does that mean. 
The amount paid to 3rd party XXXX change. I I AM REQUESTING A FULL REVIEW AND DISCLOSURE OF MY CLOSING PAPERWORK. ALSO, Including the above itemizations, breakdown of ESCROW ITEMIZATION OF AMOUNTS PUT IN LOAN AND WHERE IS ESCROW AMOUNT OF {$2400.00} IN PREVIOUS LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Big Picture Loans, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/16 I applied and was approved for a {$600.00} Loan. I was told that there would be a {$210.00} finance charge for this and I accepted this however I was unable to see the truth lending documents which stated the total payments would be XXXX because there was a interest rate of 800.8 interest rate. I was not able to view this until after I accepted and agreed. This is not fair. Is this legal?? I only agreed to borrow {$600.00} and now I am receiving notices that I now owe {$990.00}. I have already made two payments one for XXXX and one for XXXX. This is confusing. How do I owe over {$4000.00}. I was also given an extension to pay the current payment which was due on XXXX to pay {$210.00} on XXXX. They took the money out of my account anyway and I had a three way conversation where I spoke with Big Picture loans and my bank to have the money credited back into my account since they assured me that I was given an extension to pay the next payment on XXXX. They again went back on their promise and tried to take the money out on XXXX. According to my calculations, this loan for {$600.00} should be paid off by the end of XXXX. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Capital One. XXXX XXXX an account was opened. That account ended in XXXX. 
After a XXXX XXXX payment was recorded as late the card was paid to {$0.00} and then not used. 

In XXXX XXXX or XXXX XXXX Capital One marked the account as closed. 

In XXXX an unsolicited offer of credit was made with an account number ending in XXXX. 

Capital One is now claiming the XXXX account is the same as the closed XXXX account. 

Capital One and its XXXX alleged XXXX attorneys refuse to provide the contracts used to create the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I AM REQUESTING TO SEE THE CORRECT CHAIN OF TITLE ON MY PROPERTY THAT I WAS CORNERED TO SELL. I BELIEVE NATIONSTAR MORTGAGE HAD NO STANDING IN COURT WHEN THE TOOK ME TO COURT AND LIED ABOUT NOT RECEIVING PAYMENTS FROM ME. I HAVE DONE RESEARCH AND IN THE CHAIN OF TITLE TO THE PROPERTY IN CONCERN THERE IS ALSO A ROBO SIGNED DOCUMENT THAT SHOULD HAVE BEEN DISCOVERED BY NATIONSTAR MTG, XXXX XXXX XXXX AND XXXX XXXX XXXX. IT WAS REQUESTED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREPARED BY XXXX XXXX AFTER RECORDED SENT TO XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SIGNED BY XXXX FOR XXXX XXXX XXXX XXXX AND NOTORIZED BY XXXX XXXX IN XXXX XXXX XXXX. PERSUANT TO XXXX XXXX XXXX or XXXX )

Company response to consumer: Closed with explanation