milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Problems caused by my funds being low

Complaint: I was recently XXXX and was unable to make a payment on my home equity line of credit. I am on a fixed income ( social security and pension ) that are directly deposited monthly to my KeyBank checking account. Not only am I a low-to-moderate income person with health issues that prohibit me from easily going to a local branch office, but I also live in a low-to-moderate income census tract in the City of XXXX, and have been XXXX over the last several months, and want to in good faith pay my bills. I have been a long time customer of KeyBank of over 35 years. KeyBank is assessing multiple fee charges ( {$38.00} x XXXX charges on XX/XX/2016, {$38.00} charge on XX/XX/XXXX, {$38.00} on XXXX XXXX, {$38.00} x XXXX charges XX/XX/2016, plus {$28.00} in reoccurring overdraft charge XX/XX/2016 ) and is not willing to waive any of these fees because I was in XXXX and unable to deposit my rental income checks. Even though my social security and pension are being deposited, KeyBank is taking the money to cover the multiple fee charges. Without waiving the fees that accumulated to over {$500.00} this prohibited me in making my l other line of credit payments with KeyBank. Their inability to work with me is causing additional negative impacts. I have monthly income to work with and KeyBank is compounding the situation by not working with me even though I have monthly steady income and want to pay my bills. Although I attempted to work with the Branch Office on XXXX XXXX XXXX XXXX multiple times, they do n't want to take the time to work with me and relate to my issue. I need assistance restructure payments and waiving fees so I can get back on track. This is simply causing me to be behind on a monthly basis and I ca n't get ahead. HELOC Installment Loan/Line of Credit Account Number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2018 about Debt collection (Payday loan debt) with Midwest Recovery Systems (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Midwest Recovery Systems refuses to verify the debt that they are dinging me on my credit reports. They simply will not verify the debt, yet my credit is affected.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Payday loan, title loan, or personal loan (Payday loan) with Cherry Creek Strategic Advisors, LLC (MI).
Issue: Charged fees or interest you didn't expect

Complaint: I recived a very disturbing call from my son 's father stating they were taking my son away giving full custody to him because & to have him contact me for me to contact them? I contacted a lady who was rude & stated I allegedly applied for a loan on line over 5 years ago & did n't pay it back & that I would need to make a large payment today to keep my case from going to court and being locked up at my work place. Never once did I receive any correspondence nor do I even remember 5 years ago, although It does n't sound like something I 've did. The lady even told me I had a good back ground & did n't want this to end up on my credit however still needing to make a large payment. I stated to her again I have no clue what your taking about but please send me some info and I 'll review it and get back with you, even spoke with a manager who was suppose to email me documents, never recived anything and here it is again today she calls my son father again stated today will be the day I go to jail if I do n't contact her back. This lady have stressed me out not to mention I 'm with child. I want this harassment to stop for good and no that my son is safe. Please help

Company response to consumer: Untimely response
Consumer complaint received 04/22/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a mortgage with XXXX ( XXXX XXXX ) that was transferred to another lender XXXX XXXX XXXX ). XXXX is reporting I was XXXX days late on my credit report. I signed an agreement to start trail payments with XXXX XXXX and the payment was higher then what the actually mortgage is. I have never been late with XXXX as agreed. I also asked to have XXXX removed from my credit report because it has been 7 years since I defaulted on the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Debt collection (Credit card) with SUNRISE CREDIT SERVICES, INC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Keeps calling my ex husband phone, tell them to stop contacting my husband, stop harassing me, do not contact me if I owe something send me a letter do not call me or my family.

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 08/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: An address in XXXX is on my report and I have never resided nor used an address in that state! I have only resided in XXXX XXXX and XXXX since I was 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 02/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Credit decision / Underwriting

Complaint: I have not been late on my mortgage in four years.I check my credit and Ocwen is saying that I am XXXX behind and have not made a payment in 3. months They say I owe XXXX.My credit score dropped horribly.I only owe XXXX.They more or less told me it was my problem They say they show me current but it is on my credit.This is only one of the many ways they have made my life a living XXXX.They have XXXX me out of thousands of dollars over the years.I would like to see something done to them.I am afraid they are goung to try to foreclose on me.They sent a notice to the Making Home afordable company stating I was behind but I 'm not.Not sure what to do now.Please please help me.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
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: On XXXX XXXX, my Barclaycard Arrival Plus credit card was stolen and I had {$970.00} fraudulent charges on my account, with a few thousand more charges declined by the bank. I initiated contact with the bank immediately after I saw the fraud alert message received on my phone, confirming through texting that I did n't perform those transactions. I was told by a customer associate that I would not be responsible for all fraudulent charges. However, after I week, I received a call from the Fraud Detection Department telling me that because those charges were cash advances so they would not reimburse me for those charges.
<P/>
Even though with my police report and other supporting documents proving that those transactions were fraudulent, the bank refused to offer me help and instead put those charges with fees and interests on my account, totalling {$1000.00}. I have made contact with Barclaycard Fraud Detection Department several times without further progress. One supervisor called XXXX initially promised to get back to me within the same day on XXXX XXXX. However, despite calling him leaving messages multiple times to initiate discussion and figure out the reason for rejection, the supervisor never called me back!
<P/>
According to the information provided by Federal Trade Commission, under Fair Credit Billing Act, my liability as a customer for unauthorized use of my credit card tops out at {$50.00}. However, Barclaycard refused to accept my evidence of fraud, and follow the federal law to take those fraud charges out of my account. Their process of dealing billing dispute is also flawed and unfriendly. Not only that I received conflicting information from their customer associates via phone, I was also not treated with respect - the supervisor never responded to my message. Furthermore, the zip code of their address for sending a claim form is actually incorrect - one staff in the post office told me that they put wrong information on their form. I have completed lost trust in Barclaycard and Barclay Bank Delaware and would like to seek help from federal customer protection agency.

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 02/22/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Taking out the loan or lease

Complaint: I traded my car in and purchased another one. The dealership looked over the car and there were no issues. Car was harly used an way under allotted mileage. Six weeks later i get a bill from Ally that I owe {$500.00}. I contacted them and apparantly there was a scratch on the bottom bumper. They decided that it would cost {$500.00} to fix this. How did they come up with this amount? In addition who is to say the damage didnt happen in the six weeks I was no longer in possession of the car. In addition, in XXXX XXXX the car received a parking ticket from XXXX XXXX. During the date of the ticket my family and I were travelling and not in the country. Long story short, the person who wrote the ticket put the wrong plate numbers. The ticket was issued to a XXXX XXXX and my car was a XXXX XXXX XXXX. I got it taken care of an the judge dismissed the ticket because of course it was invalid. This was the same time ally was trying to sell my car. The ticket came up and they paid it, never letting me know. I faxed them the ticket, with the registration showing it was an invalid ticket as the license plate was for a XXXX XXXX not a XXXX. I also faxed them the judge 's dismissal that the ticket was invalid. This was faxed on XXXX. I continued to receive bills from them for the {$500.00} and {$15000.00}. I called them today. I was told the ticket they paid was not the ticket that I faxed them. They received my fax but since they feel it wasnt the ticket they paid they disregarded it. I asked what other ticket, representative coudnt tell me. I asked to speak to a supervisor, I was told this is not a supervisor issue and he woulnt transfer me. At this point I feel like Ally is trying to extorate money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX is attempting to collect {$200.00} from me. They assert my service was disconnected and that this is a past due balance. I am a current XXXX customer and have been for 7 consecutive years. XXXX claims this balance is due from an older account number which was cancelled due to a change in service. In speaking with a service rep yesterday, they said they saw that last bill for that account which stated the balance should not be paid and that it would be transferred to my current account. They now claim they never transferred that balance. Well, my current account has no past due balance, and in fact is paid by auto pay through my credit card. I only heard of this three year old balance from delivery of a collection letter. I believe XXXX is making up this charge from something they acknowledge occurred three years ago ( XXXX 2013 ). In my call to them, they refused to remove the balance from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: All 3 credit reporting are showing an involuntary repossession of a XXXX XXXX on my credit reports. What they do n't show is why. I had serious XXXX XXXX and could no longer drive or work to make the payments on the car.I lost the XXXX XXXX XXXX. Had to go to a XXXX XXXX for almost two years and through XXXX XXXX for 14 months before i lost tXXXX XXXX XXXX XXXX XXXX XXXX. They just XXXX. I now have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This can all be verified. I had to have XXXX XXXX in XXXX 2015 of which I am still recuperating. I would like to have this information added to my credit reports so future creditors would know the whole story

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 05-08-2016 about Credit reporting () with General Information Services, Inc (AK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Some of the Information Contained in my Consumer Report in inaccurate or incorrect.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is for {$400.00} and I have contacted both Equifax and the XXXX GROUP and has not received a response to my compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Keep calling to take me to court without telling me the name of theircompany.After i repeatedly request for their information and they hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Payday loan () with Enova International, Inc. (MD).
Issue: Charged fees or interest I didn't expect

Complaint: Back a while I had gotten a payday loan. My bank account info had been compromised by someone. I made a report to the FTC regarding it. I had to make a few changes to my account and payments being made from it. I became delienquit with my payments. I received a call from a XXXX XXXX claiming to be from XXXX. He stated that they were after persons who were defrauding theses payday loan companies. Since my account was considered delienquit, they had my account info. If I paid the Out Of Court Restitution it would be done. I made XXXX payments before I noticed something 's in the paperwork that did n't seem quite right. I just need to know if the documents I have are legit or have I been had? Thanks!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Despite several requests to XXXX XXXX XXXX, in addition to the credit reporting agencies of XXXX, XXXX and TransUnion, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. XXXX XXXX XXXX account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score.

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 05-12-2017 about Debt collection (Other debt) with WELLS FARGO & COMPANY (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Wells Fargo  did not provide adequate verification for this debt question. No documents were provided showing my signature or contract

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 07/31/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I dispute the past due claims by Navient of pass due amount due to the fact I am on a reduced payment plan and have been since the claims, my payments are automatically paid and payment are set for a reoccurring set amount. I have contacted Navient three other times about this problem and was told it would be taken care of. Each time I called I was told to give it 4 0r 5 day to rectify but there was no change and now it showing several month pass due. I recently called and was told by collection that my bank account would not process the payment back in XXXX of 2016, then she tried to force me to make a payment by threatening me when I told her I would check my account and call her back. I checked my bank account and there was no refusals on this month. I am requesting my credit file be updated and the negative marks taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (PA).
Issue: Application, originator, mortgage broker

Complaint: on XXXX/XXXX/2015 we ordered a payoff statement from Stearns Lending. On XXXX, having still not received a response to our request, we contacted Stearns and were told to email the request and we would have the payoff XXXX. When we did not have it by XXXX, we called back and were told we would have it by XXXX. When we still had not received it by Monday XXXX, we called back and spoke with a supervisor who asked that we conference our client in for verbal authorization. Upon doing so, we were told once again that we would have the payoff in an hour. Tuesday XXXX, still no payoff received. Called Stearns again at XXXX. They asked that we conference the client in for a verbal authorization. When I pointed out that I was simply following up on the call from the previous day when verbal authorization was provided, we were told that the request was being expedited. At XXXX we called again and were told that our authorization was expired and no payoff would be sent. We were connected with the same supervisor from the previous day, however, in this conversation he stated that a verbal authorization would not be accepted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I would like to file a complaint with trans union regarding inaccurate information from XXXX XXXX I sent 3 Disputes to XXXX XXXX XXXX on XX/XX/2016 XX/XX/2016 XX/XX/2016 They Never Responded and Continue to report the account

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 11-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is now suffering as a result. No notice was given which is also a violation and I am requesting that ALL inquiries be removed.

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 11/20/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: APR or interest rate

Complaint: My Sears card Credit card was closed without my notification in maybe 2013 after Citibank bought out Sears cards. I learned this when I tried to use it after not using it for a while, but had been loyally paying my balance for about a year. Because I had been paying every month and not using my card, I had not been using my online account. When I began to investigate transferring my balance as a way to lower my absolutely insane interest rate, I learned that my online account was inaccessible. In addition, I have not received a paper statement from Citibank regarding this account in years, but a monthly payment continues to come out of my banking account, and the only way I know this is because somehow XXXX has access to my closed online account, and notifies me that the payment has been made. I do also get an email from Citigroup thanking me for my payment ( which is, every month, just about the interest that has been tacked on that month ). Every time I have tried to gain access to this online account to see Citibank 's activity in my account ( to see any statement, of any sort ) I have had to have an hour-long phone conversation, where I am asked for my account number, which I have not had access to in years. Then, even upon supplying my social security number, no one who is transferred my call is able to even find my account based on my name, previous addresses, SS number, and last XXXX digits of the account number. Which leaves me to wonder, now that I have paid more than then entire current balance to Citigroup over JUST the past TWO years of about four or more years of payments, why I am still paying an account that no one can find? Additionally, I have been told that legally I am not allowed to access an online account because the credit card account was closed ( by Citigroup, without my notification ). PLEASE help. I ca n't afford to keep paying them hundreds of dollars a month but I have trying to slowly rebuild my credit for years so I also ca n't afford to stop paying them.

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