milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with KEYCORP (PA).
Issue: Trouble during payment process

Complaint: I have had a mortgage with Key Bank ( previously XXXX XXXX ) for roughly 2.5 years. Every month I make my payment online through XXXX XXXX 's bill pay. I have never had an issue until now. This month I received a letter from Key Bank stating that I was past due on my XX/XX/XXXX payment and assessed a late fee. I was warned that this could potentially be reported to the credit bureaus. I checked my XXXX online banking to see the payment was sent and received by Key Bank on on XXXX XXXX, 2017 so far before my due date of XX/XX/XXXX. I have a confirmation number of this transaction and the amount is no longer in my account. I called Key Bank on XX/XX/XXXX when I opened the letter from them. The agents informed me the call was to collect a debt from me. I was transferred several times till finally I was given an email address to a manager to send my proof of payment. I emailed this proof with the confirmation number and was told I would hear back soon. After not hearing for over 48 hours I called back. No one knew anything that I was talking about and still said I owed money and a late fee. Additionally, besides making my payment on time, I also made a lump sum payment of XXXX dollars on XX/XX/XXXX ( which is in my payment grace period ) to remove the PMI from my mortgage. So essentially I payed around {$27000.00} on time. Key Bank is still telling me they are not able to locate my payment, and they took my payment for XX/XX/XXXX and applied to to XX/XX/XXXX. My XX/XX/XXXX payment was for an extra XXXX dollars that was supposed to go toward my principle. They used some of that money to pay the late fee from the previous month. I paid XXXX to fax them proof of the electronic debit. They still said this is insufficient. Basically there is XXXX missing of mine. XXXX says they sent it to Key Bank and they say they never got it. I am now considered behind on payments. Key Bank 's customer service is more than poor. It has been despicable. No one knows what each other is doing and they do not respond after promising to get back in touch with me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company put a collection item on my credit report. I have not received anything from them regarding this item so I dont know ehere it came from.

Company response to consumer: Closed
Consumer complaint received 11-01-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I 've filed a complaint with the CFPB ( Case number : XXXX ) and received the Unethical Reply by the Mortgage company of original complaint. The review was as follows : " We 've been unable to establish contact with the authorized third party, XXXX XXXX XXXX We 'll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research. '' I STRONGLY DISAGREE with any suggestion that I, XXXX XXXX, XXXX have been difficult to reach! 
Upon receipt of the Unethical Response I made phone contact with CFPB to bring notice of the Unethical Response. I was directed to make another complaint, which this promotes. 
This type of Unethical Behavior demonstrates the Unethical activities of WellsFargo Mortgage. It 's unfortunate that the PRESIDENT of the institution and subsequent employees gamble with his/their financial stabilities, with the direct involvement bringing liability to such activities. 
WellsFargo must NOT be attempting to any form of contact with me and their response to my original complaint is another misleading message and is in fact one of deception.

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 06/18/2015 about Debt collection (Auto) with Roquemore Holdings LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Roquemore and Roquemore has been contacting my family members and former in-laws regarding a debt that has been verified as fraudulent and removed from my credit report already. A number of years ago, a distant relative established an identity utilizing my middle and last names with alternative residence, identification, and social security information. He was then able to secure credit, a residence and even an on-going vehicle loan. I have worked diligently to have these items removed over the years. As often as I have been able to, I have contacted creditors to have statements and accounts forwarded to me for legal purposes and to contest debts. There is a fraud affidavit affixed to my credit report, as well as other protections to prevent new accounts from being established. Now Roquemore & Roquemore is calling threatening my family members and demanding that the location of a vehicle be disclosed. I reiterate that this is not my account, I do not possess this vehicle and we have no contact with the family member that committed the fraud. The fraudulent social security number ends in XXXX, which is NOT my social security number. When I attempted to call and explain this, the representative presumed that I was lying and became livid and started screaming. I asked that they provide me an address where I could submit proof of this being a case of fraud, yet she threatened that continued calls to my family, landlords, employers and the like would continue if I did not provide the vehicle. I have promptly called an attorney and had them to draft a cease and desist order. They ( Roquemore & Roquemore ) have made no efforts to validate this debt, or it would become blatantly obvious that they do not have my true social security number or name. The original creditor ( XXXX XXXX XXXX ) employed the same tactic of skip-tracing and attempted to add my full name and social security number to the account, which warranted the item being removed XXXX by the credit bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Old Debt ... that should be off of my account. Charged fees when I travel abroad. I was hit with excessive fees. When My phone was unable to be of use. I had no cell service when I traveled abroad but was charge cell phone fees when I returned to the states.

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 12-09-2016 about Payday loan () with Risecredit, LLC (TX).
Issue: Can't stop charges to bank account

Complaint: I am currently put of work and need the lender to stop drafting my checking account from my XXXX XXXX account in texas

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit agency obtain this information from public records. We have since satisfied the balance with the State of Maryland and want this removed from the credit report. The XXXX of the State of Maryland did not send this to any credit reporting agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (MO).
Issue: Problems when you are unable to pay

Complaint: XXXX/XXXX/16 my wife called me and told me to meet her at world finance.I met her there and she had worked out a loan with Mgr. XXXX XXXX. I had to sign and put my XXXX up for collateral. In about a month my wife had moved out, when I was at work. She left a note saying that she would pay for 1/2 the WFI loan. Since being gone she has not paid anything. I have tried to keep up but it has been really hard, she left with me with every bill. Last month I received a bill from WFI saying I owed {$50.00}, I paid XXXX on XX/XX/2016. This week I get notice now that I owe {$260.00}, the next day I get a letter stating the loan is in default and I have until XXXX/XXXX/16 to pay the {$260.00}. You know I dont think WFI trys to contact my wife about her side of the payment. To my understanding I was not the primary lender on this. I feel like I being discriminated against because I have the collateral. I am about ready to give them the XXXX, but the more I thought about that they can sell the XXXX for wharever price they want and still leave me holding the bag for the balance. WHO WOULD TRUST THEM. By the way I found out my wife used the money to pay off her other payday loans she had, and did nothing for her kids. My sister says I need to tell you I am XXXX yrs old and my wife was XXXX yrs old, for whatever reason. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Debt collection (I do not know) with Penn Credit Corporation (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is debt collection they keep calling we do n't have any debts we want them to stop calling us

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Using a debit or ATM card

Complaint: On XX/XX/XXXX2015 I ordered, via XXXX, a XXXX article subscription of the XXXX XXXX for XXXX. This came though my XXXX account which is not my default email program which mean I do n't look at it unless necessary. 
Then on XXXX/XXXX/2015 that XXXX XXXX subscription turned into a, unbeknownst to me, {$15.00} a month subscription. This was reoccurring so before I could notice another charge incurred on XXXX XXXX, 2015. 
When I figured this out, I attempted to unsubscribe from that which I never subscribed to in the first place. The form required a user ID and password for the subscription. This I did not have because I was not a subscriber to the XXXX XXXX. Moreover, the XXXX Kindle {$1.00} payment did not required the set up of a user ID or password. That 's not the way Kindle subscriptions work. 
As a side note I should have known this was a scam because the subscription process required an email address where I submitted my XXXX address. I say this because all Kindle subscriptions come to my Kindle via XXXX Kindle account. 
I did not subscribe to the XXXX XXXX digital newspaper for {$15.00} a month. Nor have I ever subscribed to the XXXX XXXX for a monthly digital subscription. This was a bait and switch by the XXXX XXXX via XXXX Kindle. Buy a XXXX article subscription for {$1.00} that turns into a {$15.00} month subscription. 
I contacted Bank of America and filed a dispute. Then Bank credited my account a total of {$31.00}. And then reversed that credit. I called the bank and they told be that was going to be taken care of and that my account would be credited for the total amount. 
Then I checked my account and the amount of {$31.00} was not credited. 
It appears to me that BOA is siding with the XXXX XXXX. This is a rip off. The XXXX XXXX went through my XXXX Kindle and gave a {$1.00} offer for XXXX articles and then somewhere in the fine print ( read on a XXXX inch screen ) that {$1.00} dollar turned into a reoccurring {$15.00} charge on XXXX XXXX, 2015 adding up to a total of {$31.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Privacy

Complaint: Insufficient Response to American Express : # XXXX American Express and XXXX : # XXXX American Express is in possession of our power of attorney. We faxed it in per their consumer representative. Another customer representative said to mail hard copies to XXXX ( representing itself as American Express ). Now we have a letter claiming American Express and XXXX are partners and we have to now notarize the letter. We have received no notice of assignment to a third party debt collector like XXXX and there is no company called American Express/XXXX. Please have American Express forward their contract where it permits them to interact with other companies on our account. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: I have contacted The Credit Bureaus numerous times starting  XXXX     2016 thru    XXXX   advising of incorrect reporting on my Credit report for a specific creditor  XXXX   XXXX   XXXX .  XXXX   XXXX  sold my debt to collections agency, meaning they wrote off the debt on their taxes which wrote off the obligation to pay. Contract was cancelled " NO CONTRACT ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit card () with AMERICAN EXPRESS COMPANY (TN).
Issue: Advertising and marketing

Complaint: American Express Open sent an offer for bonus points after spending a certain amount in 3 months. I was approved for the card and no mention was made that I was not eligible for the offer that was made. After spending the required amount on the card, American Express said that I was not eligible after all. Opened a complaint with them but they would not fix the problem. Their advertising is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am trying to open a XXXX XXXX account. I have a credit freeze on my credit. I went on the Equifax website and lifted the freeze. However, Equifax will not release me credit score to XXXX. I have called Equifax 3 times and they assure me the freeze is lifted however, every time XXXX tries to get my credit score Equifax tells them it is frozen and that I need to call them to lift the freeze.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Deposits and withdrawals

Complaint: I was a victim of fraud. A woman contacted me about buying cosmetics thru my site. She sent me a cashier 's check but stated that I was mistakenly sent the entire amount of her paycheck ( {$2400.00} ) instead of the cost of product ( {$580.00} ). She asked that I order the product for her & send the remaining balance ( {$1800.00} ) to her via XXXX or transfer. I received the cashiers check, it was from a valid credit union, and I deposited it into my account. The funds were made available immediately. The next day, I ordered the product and then did a XXXX to XXXX transfer of {$1800.00}. Yesterday, Bank of America reversed the check out of my account since it was found to be fraudulent. I filed a police report and requested the bank 's help in having the money funded back into my account since they cashed the check. I was told that due to my good standing relationship with the bank, they made the funds available immediately but when the check was found to be fake, they reversed the deposit. They will not refund my money because I was the one who deposited & then used the money in the account. I asked them how I was supposed to know the check was fraudulent when they cleared it and made the funds available. They told me to file a police report, go after the person that sent me the check and that there was nothing else they could do. They then proceeded to charge me overdraft fees! My account is currently in a negative state and I have no money to buy anything. I can not buy groceries for my family or gas for my car. I closed XXXX accounts with BofA and the online rep actually thanked me for being a valued client! I have filed a report with the XXXX Police Dept but have been told the likelihood of finding the criminal is slim. I do n't know what I will do but I want to make sure that Bank of America does not get to treat another " valued client '' in the same manner. There was no way that I could have known that check was fake. They told me that if I had n't used an ATM to deposit the check, it may have been caught! I get CHARGED a fee if I go inside to a rep since I have an Online banking account, so why would I bring a cashiers check into the bank, which was closed at the time anyway. I do n't know if I 'll get any resolution to this situation and I do n't know how I will get through the next 2 weeks before I am paid again but I do know that Bank of America acted just as criminal to me as the person that perpetrated the scam and I do n't want them to do this to anyone else.

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 09/21/2015 about Mortgage (Conventional fixed mortgage) with PRIMARY RESIDENTIAL MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX2015, I refinanced my mortgage w/Primary Residential Mortgage, Branch Office in XXXX XXXX NJ. Final agreement was signed on XXXX/XXXX/2015. However, after complete review with my son, and discomfort with changes in agreed Closing Fees and the percentage rate, I exercised my " RIGHT TO CANCEL '' and mailed proper form ( XXXX/XXXX/15 @ XXXX ) to Primary Residential Mortgage XXXX. I also informed the Branch Manager, XXXX XXXX of this decision. His immediate response was to make changes ( as first negotiated ) and another agreement was drawn and signed by me on XX/XX/XXXX,2015. 
XXXX XXXX I received notice from XXXX that servicing was transferred from Primary Mortgage. I immediately called XXXX XXXX and questioned the difference ( higher ) in the monthly payment amount. I was told a " research '' would be conducted and I would be notified within 7_10 days. When I received the first " Monthly Mortgage Statement '' I realized myself why the monthly payment was higher -- - INTEREST RATE INFORMATION on this form indicated a 3.990 % rate. I immediately called PrimaryResidentialMortgage with my concern that they transferred the first agreement, cancelled by me. I also called XXXX with these same concerns and again was told a " research would be conducted and this would take 7-10 days. My initial payment to XXXX was sent ( XXXX/XXXX/2015 late ) and in the amount of my signed agreement of XXXX/XXXX/2015. I have continued to make this monthly amount accompanied with a note the explanation for the difference. I have had other contact with Primary Residential Mortgage ( all initiated by me ). The last contact with them, ( XXXX/XXXX/2015 XXXX XXXX, via phone-followed by email ) indicating she was sending me a Mod agreement needed to lower my interest rate. This " overnighted '' package was not received until I called again and questioned its status ( rec 'd XXXX/XXXX/2015 ). As of this writing, I have not signed this document. My question is, " how do you modify an agreement that no longer exists? '' I have absolutely no faith in either Primary Residential XXXX, although I believe Primary is at fault for selling an illegal document and not admitting to this error or taking any action to resolve the situation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX SUPERIOR COURT DOES NOT HELP RESOLVING THIS ISSUE. I 'VE TRIED SEVERAL TIMES IN THE PAST YEAR AND A JUDGEMENT REMAINS ON MY CREDIT REPORT ERRONEOUSLY. XXXX XXXX IS THE NAME OF INDIVIDUAL THAT PLACED THIS ON MY REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU The piece of information that is wrong that is showing is the name 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 05/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is something that has already been negotiated an paid through a credit specialist and I have not opened anything with anyone in 2015 for that amount of money not paying XXXX twice this needs to be corrected!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief