milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with KEYCORP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was forgiven by the bank. 

The account in question was a reward checking account at Keybank, XXXX, NY office, with address XXXX XXXX, XXXX, NY XXXX. 

The account had accumulated {$38.00} in " no activity fees ''. My wife and I were not aware of such fees on the account. 

When we found out about them, we made an appointed at the local office. On XXXX/XXXX/2016, my wife and I visited the XXXX Keybank located at XXXX XXXX, XXXX, NY XXXX and meet with XXXX XXXX ( XXXX, XXXXXXXXXXXX ). He converted our rewards checking account into a no hassle checking account. He agreed to remove the account fees, which has already been taken care of and resolved. Our " no hassle account '' is still open and in good standing. 

On XXXX XXXX, 2016, we received a debt collection notice from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I promptly wrote a letter, within 30 days, notifying XXXX and his office that I disputed the debt in full and that Key Bank had already forgiven it. 

I 've now received a second debt collection notice but from a different agency, on XXXX/XXXX/16. 

XXXX OH XXXX I am sending a debt dispute to this agency as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have student loans with Navient and have been trying to arrange a payment plan with them for over a year. Every time that I speak with an agent, they tell me my only option is to pay {$100.00} and put my loan in forbearance for XXXX months, at which time I would do the same thing and the cycle would repeat itself. I know that I have been accumulating great amounts of interest by doing this and I spoke with an agent today because my loans have been XXXX days delinquent. I understand that is my fault and what the consequences are regarding my credit score etc, but I have asked a number of times to try and set up an income based plan. Today, the agent told me to do that, my co-signer ( mother ) would have to submit her income for them to review and make a decision, not my income. I asked why they would want my cosigner 's income, and not mine - the person who should be responsible for the payments. She told me that is how things are and that I have to pay the amount now or have her submit her income, which I know will not lower payments as she makes more than me ( which I am sure is the case for many student borrowers ). I asked several times for them to work with me and said that I have every intention of paying them and want to make payments. She still gave me no options. I am extremely stressed out over dealing with this and can not believe that there is no option for me to set up a payment plan. I have never had this sort of problem with any other company and I do not understand why MY payments would be based off of what my cosigner makes. I spend hours every day stressing out about this and am constantly getting calls from them, at least XXXX times a day. Their voicemails always say that they are willing to work on coming up with an affordable plan, but every time that I speak with an agent they tell me I have no options on working out a repayment plan. I know that my credit score is being destroyed by this company and every attempt I make to arrange something gets me no where. This time, the agent even hung up on me after she ordered me to tell my mom that she has to make the payments for me and that they have to be paid now. I just want to be able to arrange a repayment plan with them that is more affordable for me as I have an entry level job and am responsible for living expenses, groceries, utilities, car payments, and other college loan payments among other common bills for young adults living on their own. I do n't know what else to do, because every time that I speak with an agent I get no help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Mortgage (VA mortgage) with PNC Bank N.A. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company would not take my payments, I missed the due date by approximately 1 week. I called to arrange. I simply lost track of the dates. which I do sometimes. I called and requested to speak with a supervisor to see what I could do.I was denied the opportunity to speak to a supervisor and the person on the phone reported if I wanted to hang up the phone I could. I was speechless and upset. I proposed to pay now and in tow weeks to catch up for the month and told NO. I would have to do a loan modification. This process took over 13 months, ruined my credit, went to court to be insulted by the mortgage company rep who stated to me the mortgage company has no intention working with me, the judge said he could not stop foreclosure. The only choice i had at the end pay XXXX or pay {$2400.00} an month for over 2years. I did not get a chance to speak to anyone to report my case verbally to anyone. This leave me just enough to pay gas, utilities and some food.my mtg was approximately {$1200.00}??? I expected maybe {$1500.00}, but not {$2400.00}?? I have lost a lot of then put my house on the market before anything was finished. People walking my yard, all times on Saturday around the house. I was afraid. I hae tired to ge to the so called rep and each time I am giventhe 3rd degree and never is the phone answerd, I have leve message and just stopped. People are still comeing once a moth putting door hanger on the door for me to call and not be able to speak to the rep. Told me my house is still is the forclosure stage for the next 2years. This is crazy. I could pay and they are forcing me out in the worse way. i have there for 8 years. Great neighborhood and good neighors. Sad. I try to be responsible, I am a veteran with XXXX and try not to use that as an excuse. Done. I along with others would like to be heard by someone who cared and could explain without attempting make me feel like I am a nobody. i make a good salary, I am intelligent, but hits unbelievable. I want to know who owns my loan. This mtge company is the Worst. I go to a doctor for the stress and it is just too much. If they I have requested time and XXXX to walk away. I am tired and mad, and hurt, the country and a lot of the companies. here have lost sense of community and working with people. I am not asking for a hand out. Even if I get no help I will make sure many people here the story and name of this mortgage company an NEVER work with them. VA did not to assist in counseling and helping me through this mess ... va loan joke.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I was given a loan modification XX/XX/2015 and my mortgage payment was never lowered. My financial circumstances have changed drastically and I reapplied and was denied. No reason given.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Trouble during payment process

Complaint: In short the loan was taken out in XX/XX/XXXX with Washington Mutal and they were closed in XX/XX/XXXX. In XX/XX/XXXX, we received a complaint for foreclosure from JP Morgan Chase. This loan has been fought over for the past 8 years and have recently received a review report from the federal task force for mortgage fraud that our payments to these banks have never been applied to our loan. In XX/XX/XXXX,  we were served a summary judgement due to missed payments the bank states that are unaccounted for. We have recently requested a new hearing on this matter in our county and have been denied the opportunity to have this overturned. So at this point, we are a little unsure as to how to move forward. The report shows embezzled amount of over XXXX unaccounted for. We have determined that we will file a civil suit in this matter but could use some assistance and understand that you may be able to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was told by the creditors customer service representative that as long as I made the minimum payment due that my XXXX credit card accounts would be brought to a current status and would be in good standing. This was a lie when in fact my credit cards were both in a permanently restricted status. No matter how many payments I make towards the debt I will never be able to use my cards again. 

I have been called many times since I became late on payments due to financial hardship and no one ever informed me of this fact. They waited until after I made a payment to bring my accounts " current '' to post on my online account that my cards are permanently restricted. 

I was blindsided and completely mislead. I thought I was going to bring my accounts into good standing when this was not the case. I refuse to be manipulated and lied to into making payments under false hopes and false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint: I am paying more on my credit card account than what is required. But extra payments is n't going to lower my cash advance which I had not used in 2-3 years.The cash advance is still the same after all these years and should have been gone by now.The Credit Card Accountability, Responsibility and Disclosure Act of 2009

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Bank account or service (Savings account) with BNY MELLON, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I set up an HSA ( Health Savings Account ) through XXXX and administered by BNY Mellon. After the accounts were set up a new $ XXXX/month fee was added to administer the account. This was NOT disclosed at time of setting up the account and I have no options. I am required to use this bank. This impacts XXXX HSA account holders forced to use this service through their employers and XXXX. {$2.00} is not a lot, but they are charging me to hold my money multiplied by hundreds of thousands more people. This looks like bait and switch and puts over $ XXXX per month into the hands of BNY Mellon for doing basically nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute an accounts fraudulently opened in my name. The name of the account is Santander consumer USA. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to this account. 
I request this account be deleted immediately as a resolution to this long awaited matter. Its been years and all I get sent from the copy is a signed contract which proves nothing as anyone can sign my name and statements which also doesnt proof owner ship. The account was opened fraudulent! 


According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies. Thank you for your assistance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Debt collection (Auto) with NCB MANAGEMENT SERVICES INC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filed a dispute with the credit bureau. There is inaccurate information on my credit report. It is damaging and hurting my credit worthiness. I do not have a contract with the collection agency, that is reporting to all three credit bureau. I do not owe this collection agency. They should not be able to knowing violate the Fair Credit Reporting Act by reporting inaccurate information and failing to properly investigate the inaccuracies being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are several XXXX Accounts being reported in my credit file. These accounts do not belong to me. Each time that I disputed these accounts and proof that these accounts belong to me. I have not had any results from the credit agencies nor have I gotten any response from XXXX. I will like these accounts remove since they are playing a viable role in my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Problems when you are unable to pay

Complaint: Sychrony Bank notified me via XXXX mail of XXXX things which are not aligned with actions I have taken, and which were confirmed on Synchrony 's internet site. I also received email confirmation of my actions, but was later informed that the actions were not valid. The first action I took was to enroll in Auto Pay. I received notice that I had un-enrolled in Auto Pay. I never un-enrolled. Second, I was notified that " my bank '' refused my initial Auto Pay installment. I was charged {$27.00} late fee. Unable to contact them via phone because their IVR would not let me reach a Customer Service Rep.

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 10-09-2017 about Checking or savings account (Checking account) with Google Compare Credit Cards Inc. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: OnXX/XX/XXXX my bank debit card was charged for {$99.00} for an app called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I did not authorize this purchase nor do I use this app for any purpose. I requested to have the funds refunded and the company wrote this to me : Hi, We received your refund request for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), but we ca n't provide a refund for this purchase because it does n't meet with our policy. We apologize for any inconvenience caused. 

You can learn more about our Google Play refund policies here. 

If you 're requesting refunds for an app ( or in-app purchase ), it 's best to get help directly from the app 's developer. You can find developer contact information on the app 's page in the Play Store under the " Developer '' section or on your order purchase receipt. 

To prevent accidental or unwanted purchases in the future, we recommend that you turn authentication on or change your password. 


Thanks, The Google Support Team

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 02-08-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MD).
Issue: Managing the loan or lease

Complaint: Synchrony Finacial fraudulently file a XXXX with the IRS alleging that they had forgiven a debt on my behalf in the amount of {$700.00}. I at no time had any consumer debt credit card or any Financial obligation that was owed to synchrony financial. I am not sure what type of loan they alleging was owed as I have never had any Financial relationship with them. I have called the number on the XXXX ( XXXX ) XXXX to be left on hold with no answer. According to the XXXX their Federal identification number is XXXX. Please note I was notified by the Office of personel that my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with JH Portfolio Debt Equities, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is an account which is past the statute of limitations, several validation request have been submitted with nothing received. Please help assist 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 05-06-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX I was trying to purchase XXXX pair of XXXX shoes. While, process the transaction it continued to decline my transaction. I contact Wells Fargo to see why it was not going through, as I had plenty of money in my account due to income tax returns. I decided to pull my account up online and saw I had XXXX withdraws in the amount of {$420.00} a total of {$850.00}. My balance before the transaction was made was {$2200.00}. I decided to transfer the majority of the funds into my sons account leaving a total {$360.00} remaining. When the male representative came on the line I explained what happened he stated it was a security issues they wanted to make sure I was the one allowing the transactions and he could allow the transaction to go through. Unfortunately with me transferring the funds into my sons account and leaving only {$360.00} on the account I was not able to make the transaction go through. I asked the young man about the pending credit of {$850.00} and when it will be deposited back into my account he informed the funds from the transaction will deposit back into my account in a few day. I then informed him I will go ahead and may XXXX transaction for the shoes out of the Wells Fargo account and buy the other pair from my son 's account. I checked my account Monday/Tuesday and notice it was still a pending credit. I checked Wednesday night and notice the {$850.00} was no longer there as a pending transaction nor back into my account. I immediately contact Wells Fargo who stated they had no record of the transaction and they keep no notes. I was then told I never had the funds available which is why I do not see it. I requested a manager and requested for her to listen to the call since there were no notes. I also requested a phone call back in regards to this matter after the call was heard. I have yet to hear from anyone and no one would like to discuss the matter. I 've filed a complaint with your office and still dispute the answer given by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MS).
Issue: Other

Complaint: This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America 's Trial Period Plan ( TPP ) documents for a mortgage modification under their Bank of America Loan Modification Program did not disclose the modification principal and interest payment amount, the modification interest rate, or the modification amortization ( time to pay of loan ) for the program that I qualified for, was offered and that I accepted. I had to base my acceptance of the mortgage modification based on the TPP 's information which only contained terms for programs that I did not qualify for and the total trial payment amount. 
This does not appear to abide by the spirit of the Truth in Lending Act. In addition, Bank of America did not attend XXXX of the meditations scheduled for this issue under Nevada 's Mediated Mortgage Modification Program ( MMMP ) as part of my Chapter XXXX Bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage remodification was approved XXXX yrs ago. initially when I signed the contract there was an error in the document and months later they called me in to resign it for the XXXX time. now XXXX yrs later they told me I need to resign it again. which I did for the XXXX time. I was told in writing by XXXX XXXX if I did n't sign it they would not let me make any more pre payments to my sub loan. ( this is in my contract that I can make any prepayments with no penalty ) .so I would n't have any problems later, I signed this for the XXXX time. they also brought me a paper to sign to get an EIN # I am XXXX yrs old and do n't know why I would need this but I signed it anyway. I was also told in writing that I would receive a check for {$500.00} for my trouble which I never got. Now they are calling my home everyday asking me to do it again for the XXXX time. the bank calls my house everyday they went as far as to send a representative here last week with the same paperwork again which he left with my XXXX yr old grandson who said the representative took pictures of the front of my home. this is ridiculous I refused to be upset with this anymore and in turn the bank has now blocked my access to my online mortgage payment option. when I press to make a payment on my loan the screen reads that I am not able to use mortgage pay on the web at this time and gives me a phone # to call. when I call the number they tell me that I have to speak to my acct manager and I am sent to voice mail. this is a lot of aggravation for someone my age. in addition since the modification has been in effect in 2013 I have never missed a payment or been late and each month for at least a year I have been paying XXXX months at a time. I feel this is harassment and I would appreciate any help or advice you can offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation