milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2017 about Checking or savings account (Checking account) with KEYCORP (IN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: On XXXX XXXX, XXXX I noticed a withdrawal of {$9900.00} dated XXXX XXXX, XXXX on my XXXX XXXX bank statement that I received via email on XXXX XXXX, XXXX. The description for the withdrawal read XXXX XXXX. There was also a withdrawal of {$75.00} on the same date with a description of LITIGATION FEE. I was not aware of the withdrawals, so I contacted the bank at XXXX. They recommended that I contact the phone number listed in the description. This was a direct number to XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX Per discussion with XXXX XXXX, someone filed a California tax return in my name using my social security number with taxes due of {$9900.00}. Per XXXX XXXX, Key Bank was issued an Order to Withhold Personal Income Tax with instructions to contact me and wait 10 business days to withhold any funds from my account. XXXX XXXX contacted the bank on XXXX XXXX, XXXX to release the order as it was determined that someone had try to use my identity. Per XXXX XXXX, Keybank legal department told her that that had never contacted me and that they had already sent the money 2 days after receiving the order. Per my relationship manager at Key Bank XXXX XXXX on XXXX XXXX, XXXX the legal department was contacted by XXXX XXXX on XXXX XXXX and XXXX XXXX, who instructed to release the order and stop payment on the check sent to the XXXX XXXX XXXX XXXX. Per XXXX XXXX, KeyBank has refused to stop payment and will not reverse the {$75.00} Litigation Fee that they charged their customer, even though they did not follow the directions of the order to contact me and wait to send funds. On XXXX XXXX, XXXX, I received a letter from Key Bank regarding the withdraw dated XXXX XXXX, XXXX post marked XXXX XXXX, XXXX with a copy of the third page of the Order.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My payment made early in XXXX 2016 for XXXX for the XXXX payment has never been credited to my account. I have called numerous times to PNC and even though they can see the payment in their systems, I am getting late notices every month and my credit is being effected as well. They need to update PNC internal systems, stop sending late notices, send an updated revised statement and a letter explaining this was a PNC mistake so I can submit to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Medical) with Works & Lentz of Tulsa, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received notice of a collection from XX/XX/2012. I have since paid the debt in full. When I asked for proof of debt I received a form with a man forged signature and the witness signature was also forged and even dated wrong. I asked them to remove the collection from the XXXX credit bureaus and their response was yes. They stated that they would contact XXXX and have it removed. This was several months ago and it still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My complaint is in regards to inaccurate information in my credit report. I am a victim of medical identity theft. Someone have obtained medical services using my name. The health record that XXXX maintains about me is include information that is wrong and actually about someone else. I have contacted XXXX and they have removed that information. I am working to identify the effects of the medical identity theft and remove inaccurate information from my file. I have reported the problem to the police, filed an ftc identity theft report and mailed copies of my ID and SSN to Equifax fraud dept. When i tried to get in touch with someone over the phone about my problem, I was only convinced to buy a monitoring product that will resolve my problem. Equifax recently updated the account as verified. After receiving and reviewing the results of recent disputes sent to you. 

I have contacted XXXX again and they do not have record of any debt.So i am not sure what method Equifax is using to validate the debt. It seem they just want to give me the run around. I have file a police report and FTC identity theft report and did n't have any issue removing it from other credit bureau. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: After waiting for nearly a month to receive the credit card I've been approved for, Citibank has frozen my card with an identity theft flag and has " exhausted '' all their methods of verifying it. I am now stuck as a captive customer, can not use my card and can not discuss the activity on my card because I am assumed to be an identity thief. 

I've tried to amicably resolve this issue with my credit card issuer, but the only alternative to their verification is to send a letter through the mail and have me call them back with the code. I have waited multiple days for this letter to arrive, have asked them to provide a tracking number or to re-send and expedite it but to no avail. Citi has given me the explanation that as a business, they can not do that. 

This situation has caused me enormous grief and can not understand why I am assumed to be a criminal by my card issuer. 

Please help me resolve this issue with my card issuer!

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I had called in to customer service because we had issue trying to make our XXXX payment online. After speaking with an agent, she informed us that it was due to us being approved the loan modification program, which would lower our payments. During the conversation, I was informed that we did need to make a payment until our XXXX payment was due, on XX/XX/XXXX. When XXXX rolled around we noticed that our XXXX payment we into a past due status and I contact the company again to resolve this. At that time I was informed that the call would have to be reviewed, and the agent did see the notes clearly on our account that stated we were informed no payment was due until XXXX. He even mentioned it would take about a week to review and to call back. A week later I called back and was informed it was still being review, and to call back. I gave it a few more weeks and called back the end of XXXX to make our XXXX payment over the phone, and scheduled it for XX/XX/XXXX. At that time, the agent after asking about the status mentioned that it was still being reviewed, and proceeded to inform me that it would be updated on our credit that XXXX is working with us. That is incorrect, because I pulled my credit report this month as a result of the Breech, and we are still showing 30 and 60 days past due, for XXXX and XXXX. 

We in good faith, did exactly what we had been advised by the rep in XXXX and made no payments until XXXX. We have even during this period of time left message on the online messaging system to seek a resolution, which all 3 have been closed with no outcome or response from XXXX XXXX. The first inquiry online was on the old system and got purged, on the consumer side, when the new website went live, the other 2 have been closed. One indicating we need to verify who we were, which we did when we signed into the account. The second request on the new system was again an attempt to resolve, and was closed with no comments on outcome.

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 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX    XXXX  ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ca  XXXX   XXXX  had had inputted an inquiry on my credit report without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i have reached out to XXXX on several attempts in the last 6 months to rectify my credit. I have sent certified letters that reflect letters have been received. I have had no success with speaking with or in writing.

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 01/19/2018 about Vehicle loan or lease (Loan) with Prizm Financial Company, LLC (KY).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I have already filed a complaint with the company through here once already. They have one employee that continues to harass me and threaten me. The company has already responded to the original complaint through here and the employee continued to harass me. So I reached out to the supervisor and they advised me that the employee would be removed from my account. Im not even 30 days late on my payment and the same employee that the company advised me would not be allowed to touch my account put my car on the repo list and advised me to surrender now. He is very unprofessional in the way he conducts business and the way he continues to go against company orders and harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2016 about Bank account or service (Other bank product/service) with WESTERN UNION COMPANY, THE (KS).
Issue: Account opening, closing, or management

Complaint: My complaint is regarding your settlement with XXXX. We were issued a refund check on XX/XX/2016 but it was sent to a former address. We became aware of the check for {$410.00} but the check stated that it was only valid until XX/XX/XXXX. I called the number on the check and asked that the check be reissued. They stated that they gave me until XX/XX/XXXX to cash the check and since that date passed, I was no longer entitled to the money. I did n't see anything on that order that limited the date for payment. In fact, I think most states require such money to an Unclaimed property fund.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 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: Old information reappears or never goes away

Complaint: There is a closed account from XXXX, Account # XXXX on my credit report that doesn't belong to me. This account was opened in XX/XX/2016. It has been disputed by all three credit bureas & XXXX/XXXX. It was resolved & deleted from my credit report but for some reason it keeps reappearing on my Equifax report with no explanation. I have disputed this again with no luck. I am demanding that Equifax abide by the FCRA & delete this account from my credit report. It is fraud & damaging to my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Purchased a home in XXXX, XXXX in XXXX for {$390000.00} the height of the inflated prices of the housing boom after taking a XXXX job. So, moved myself from XXXX to XXXX with no assistance from the XXXX. Left XXXX and moved to private industry for 5 years. Rejoined XXXX, XXXX to move to XXXX with no housing assistance. Was able to get the house rented but it did not cover the mortgage costs. The market value never returned to the amount that I paid for the house. 
About XXXX or so, the huge retaining wall needed a {$20000.00} repair which we could not afford, so we were unable to rent it any longer or sell it. So, we decided to try a short sell finally getting it sold for {$250000.00} in XXXX. However, Ditech, the largest of the XXXX company 's holding the Mortgage would not allow a short sale to go through until I was 90 days past due. By the time the final transaction was completed, they were able to state that I was 6 months passed due, seriously degrading my credit rating. Also, they posted to the credit companies that the loan was closed, but not paid in full. 
1 ) Is there anything that can be done with my XXXX employer to force them to provide some financial assistance that was never provided? 
2 ) Is there anything that can be done to fix my credit history? 
Seems like the system is rigged against individuals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with Hunter Warfield, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from Transunion, XXXX and XXXX. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX 2017 I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (I do not know) with Check Security Associates, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called asking family of I still drive the same car, if I was at work had same job. If they had talk to me. Call people I have n't spoke to in 20 years multiple times. XXXX and scaring them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONGRESS COLLECTION CORP (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy a bona fide and verified claim must be presented. Therefore, I am conditionally accepting your offer as noted above, upon : 1. VARIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VARIFIABLE Proof of Amount of the actual debt, 3. VARIFIABLE Proof of Payments made on the account, 4. VARIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VARIFIABLE Proof of Fees and interest amounts, 6. VARIFIABLE Proof that XXXX, C/S CARE DEPT is owed money, 7. VARIFIABLE Proof of a signed contract showing the terms about the debt, 8. VARIFIABLE Proof of that XXXX owns the debt/or has been assigned the debt. 
9. VARIFIABLE Proof of a copy of a true bill from the original creditor, 10. VARIFIABLE Proof of a complete payment history, starting with the original creditor, 11. VARIFIABLE Proof of a Certified and True Copy of the original signed agreement or application, 12. VARIFIABLE Proof of a copy of a canceled check from XXXX XXXX XXXX to the original creditor.

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 11/21/2016 about Credit card () with BARCLAYS BANK DELAWARE (TN).
Issue: Delinquent account

Complaint: barclay bank acct # XXXXcharged me for a late fee in XXXX that happen in XXXX and then they showed my account late for XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit card () with PNC Bank N.A. (PA).
Issue: Advertising and marketing

Complaint: I have permanently opted out of financial solicitations by following the directions for pre screen opt out and submitting that removal in writing. It has been successful in that I no longer receive solicitations. However, since opening a loan account with PNC Bank XXXX XXXX XXXX, they send me credit card solicitations at least monthly. I have called them each time and requested removal. They have either pretended to cancel or directed me toward the opt out steps ( which I took years ago. ) They are harassing me and will not respect my request by phone to be removed from their solicitation list. It is a waste of mail and time. They send XXXX copies each time - me and my husband. They may even be committing a crime by soliciting to someone who has permanently opted out of pre screen credit card offers. No amount of begging and pleading by phone has gotten them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (MD).
Issue: Trouble during payment process

Complaint: According to the closing documents, the PMI payment was not included in the escrow account, and was to be paid out of the regular monthly payment. After the mortgage was sold to another servicer, the new servicer started paying the PMI out of escrow, great reaching the amount in escrow, which is to pay for property taxes and home owners insurance. I have made all my payments on time until the change is the escrow account, and I have talked with the loan servicing company, and the representative I talked ( XXXX at LoanCare ) to agreed that the problem was on their side, and that an escrow analyst would call me back. That was 10 days ago, and since then, I have been repeatedly be getting automated calls to call LoanCare. They have not resolved the problem, and it is very difficult to talk to anyone who can actually resolve the issue. Because of the issue, LoanCare has been reporting to credit agencies that I am 30, 60 or 90 days behind on the loan, which a significantly downgraded my credit ratings.

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 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Village Capital & Investment LLC (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: " CREDIT INFO '' INQUIRE INFORMATION DATED XX/XX/2016 DOES NOT BELONG TO ME AT ALL

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: I have applied for American Express Delta SkyMiles Credit Card on XX/XX/2017, and got a mail directly to my home a week later, say that I got approved and the card should arrive within 7-10 business days.
However, I did n't received that after 4 weeks. On XX/XX/2017. I chatted online with one of the representative online, and they claimed the card was lost and promised a replacement will arrive on XX/XX/2017. I still did n't get that on that day and I had to contact them again. This time they kept dodging my questions and did n't admit the card was lost. They said the card would finally arrive on XX/XX/2017, exactly a month after the application and the card was sent an address different from my home. I believe there must be something in their system since I chose to let them send the card to my home address, which was always my billing address and I can not get approved if the address is wrong.
I applied for that card because I want to use that to buy fly tickets for my trip starting on XX/XX/XXXX and now I am unable to use any benefit of that. Moreover, the flight ticket has risen by about {$100.00} during my visiting. I have contacted their customer service and they can not provide a satisfactory solution.

Company response to consumer: Closed with monetary relief