milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2016 about Consumer Loan (Vehicle loan) with KEYCORP (FL).
Issue: Managing the loan or lease

Complaint: key bank is falsely reporting late payments to the credit companies. 
bank 's payment history does not show late payments. 
I am unable to get credit due to these false reporting from key bank. 
every time I call key bank to complaint they ask me to pay extra, they said that will fix the problem, and it repeats again and again. 
please have them correct to no 30 days late as per payment history which they send to me. 
also have key bank credit me back all the late fees which are charged by mistake, incorrectly. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am listed as a potential victim of identity theft in the Equifax breach.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i have addresses and names on my reports that are not mine

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California 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 explanation
Consumer complaint received 10/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (RI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: 1. My student loans are in FedLoanServicing, account number XXXX. On XX/XX/XXXX I was informed that my student loans were placed into deferment status as of XX/XX/XXXX. I had never requested deferment status and continued to make monthly payments. 

2. On XX/XX/XXXX I read the email and called FedLoan Servicing to see what happened. They said my loans automatically were placed in deferment because I had started graduate school. 

3. They stated that within 24 hours I would receive a form in my online account to fill out called a " deferment waiver. '' 4. It is now XX/XX/XXXX and I have no form. I called again today and they stated they would expedite my request but could not give me a time frame. 

5. I plan to apply for Public Service Loan Forgiveness and payments made in deferment DO NOT count for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: received collection from Portfolio recovery XXXX XXXX XXXX, XXXX. I sent standard validation letter certified U.S. Mail # XXXX XXXX/XXXX/15 asking for the min. requirements according to the FCRA and FDCPA. 1. proof of debt with original signature saying i agreed to any such debt ( pretty basic ) 2. proof amount of debt is correct and legal requiring all credits and debits from original creditor. 3. proof they own the debt which will require the entire contract and terms between them and the original creditor. not just a bill of sale. 4 proof they are legally licensed, insured and bonded with business license numbers. I asked for this to be done according to the law within 30 days or please drop the collection and remove all derogatory markers from my credit report. Their response was an account statement with none of the burdens of the law being met. I received nothing that i had requested in accordance to my rights under the law. I also asked in my verification letter that there be no contact by phone according to my rights under the law of which they violated by calling me at my place of employment. When contacted by phone before speaking we both had agreed that the conversation would be recorded by both parties of which i have the recording. As of XXXX XXXX 2015 they still have not met the requirements of the validation letter and still are reporting this un validated debt to the credit agencies so I reached out to them and spoke with a gentleman named XXXX of which he gave me their fax number. I then faxed a XXXX page cover and a XXXX page validation letter ( the same validation letter i sent on XXXX/XXXX/15 ) again of which I have confirmation with still no response as of XXXX/XXXX/15. Today XXXX/XXXX/15 I called portfolio recovery and was on the phone with XXXX XXXX employee # XXXX for more than XXXX minutes he was a supervisor. I once again went over the letter i had send XXXX. I asked him if he could please meet the requirements of the law and the simple things I was asking for? His response was no and there was nothing he could do about removing the trade marker from my credit reports. Kind of disturbing his answer was to me about an account he could not legally verify. I know for a fact this is nonsense. This company 's actions and process 's are in total arrogance and violation to the law. There actions are a form of credit ransom where they believe they are the kidnappers and they play a game of pay and we will set you free. I am only asking that they be held to the letter of the law according to the FCRA and the FDCPA. If they can not meet the requirements then drop it and remove the marker and we both go on with our lives. I am currently contemplating pursuing legal actions against them if we can not come to some sort of compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Every year for at least the past four years the insurance company representing my condo association must submit hazard insurance " lenders loss payable '' to my mortgage company Everbank in XXXX Ga. Under my direction the insurance company submits this information as instructed by Everbank. Yet every year we must submit this info multiple times as Everbank somehow does n't process the info. We have tried faxing, uploading & sending a hard copy, again per instructions from Everbank. None seem to get processed. Everbank will not accept this info via e-mails. Every year for the past 3, Everbank has force placed insurance at my expense. Is gets cancelled eventually. This is so frustrating. I ca n't be the only borrower with this problem. I think Everbank is being negligent by not professing this info in a timely manner. I need your help. Please investigate and let me know. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This alleged debt was previously reported and disputed with another collection company and subsequently removed from my credit report. This company has sent no notice to me that they have the debt or of my rights to dispute. They simply re-aged it and put it on my credit report as a new collection. I only became aware when my credit monitoring service alerted me of the new listing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was told that if I was looking into a home loan that ... it would NOT hurt my credit. There are sever Hard inquiries on my report that need to have a disolution letter to have them removed. My credit was BETTER before XXXX XXXX and Trans Union and XXXX all got involved. Please help. I have been working 7 days a weeks to repair my credit from an abusive marriage and divorce. I was told the bankruptsy would come off in 7 years and they are several hard inquiries on my account that should NOT have affected my credit score. I had a score of XXXX before they started to " help '' me XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX  XXXX, NJ XXXX ( 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 explanation
Consumer complaint received 01/18/2017 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a very old account from XXXX XXXX that keeps reporting the same account information over and over to Equifax, they then report it over and over. The last date real information was reported was XX/XX/XXXX which was paid as agreed, they then keep reporting it over and over, then it stays on my report. Equifax just old me in a phone conversation it would stay on there now until XX/XX/XXXX. Equifax Confirmation Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Payday loan () with GVA Holdings, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I got a {$300.00} payday loan from northern plains funding. I was not made aware that I would be paying over {$2000.00} to pay off my loan. They are currently taking {$90.00} from my account every payday stating that the {$90.00} is only paying for the interest. I have called to make payment arrangements and to get advice as to how to pay this off and they refuse to give any help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Sent request for verification. Never received information back. But received notice that they were going to put this on my credit report.

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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMCOL Systems, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have settled my debt with these companies and they are still listed on my credit report. Some are as old as XXXX. I owe no money and am trying so hard to repair my credit. I have 1 credit card and a car payment now but my history still haunts me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I PURCHASED A HOME IN XXXX XXXX FOR XXXX AND SINCE THEN HAVE HURT MYSELF AT WORK ( XXXX XXXX AND HAVE REQUESTED HELP IN XXXX FOR A MODIFICATION ON MY MORTGAGE BECAUSE MY PAY IS NOT REGULAR PAY ANYMORE AND THEY WILL NOW HELP AND I PAID THEM {$500.00} A MONTH AND THEY DID NOT TELL ME IT DIDNT COUNT TOWARD MY MTG, SINCE THEN I HAVE BEEN BACK AND FORTH TO WORK BECAUSE OF MY INJURIES AND HAVE APPLIED FOR HELP TWICE AND THIS TIME I CAN NOT GET ASSISATACE AND THE WANT ME TO PAY XXXX A MONTH BUT THEY HAVE SENT ME AN APPRAISAL TO ME TWICE THAT MY HOUSE IS ONLY WORTH {$30000.00} I FEEL USED BECAUSE IF THEY FORCE ME TO MOVE THEY WILL NOT EVEN GET XXXX FOR THIS HOUSE I NEED A ROOF AND HAVE PLUMBING ISSUES BUT STILL WILLING TO PAY SOMETHING FOR THIS HOUSE AT LEAST WHAT IT IS WORTH, I AM CURRENTLY BACK AT WORK NOW BUT STILL HAVE XXXX I HAVE TO HAVE SO IM WORKING 24HRS A WEEK AND GET PAID THE REST FOR OFFICE OF WORKMANS COMPENSATION WHICH IS WAY LESS THAN WHAT MY PAY WOULD BE IF I WAS WORKING MY REGULAR JOB 40HRS A WEEK. PLEASE HELP

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 05-08-2015 about Credit card () with AMERICAN EXPRESS COMPANY (OR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Last XXXX my wife applied for an American Express card through XXXX. Instead of assigning her name to the card, American Express assigned my name and information. I did n't know about this until I reviewed my credit report earlier this year. This impacted my credit rating in XXXX ways ; ( 1 ) a hard credit inquiry, ( 2 ) an impact to the amount of my outstanding credit, and ( 3 ) a reduction in the average age of my credit cards. 
I submitted a complaint to the Oregon State Atty. General, and have received a reply from American Express ( Amex agent XXXX XXXX, XXXX ), but am not satisfied with the tone of the letter ( 1 ) implying that they are assisting me as if I was the cause of the problem, ( 2 ) in not providing any explanation as to how they will prevent such actions from happening in the future to me or others, and ( 3 ) assurances that my good credit has been returned to the level it would have been had Amex not taken such aggressive liberties with my excellent credit and Identification. 
I take my credit rating very seriously, and try to maintain my credit score above XXXX, and have never been late on a payment. As such I take considerable offense when a company such as Amex is cavalier in abusing my credit, and essentially stealing the use my identity for their monetary gain!

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have made numerous attempts to have the company give me service provided, dates of service, patient, etc. No information has been given to me and now I am facing a judgment XXXX XXXX, 2016 for this.

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 05/26/2016 about Mortgage (Other mortgage) with FIFTH THIRD FINANCIAL CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I had an FHA mortgage with Fifth Third Bank in XXXX, OH beginning XXXX, XXXX. I have met all my FHA requirements. The FHA insurance premium was {$110.00} per month. I have spoken and faxed the bank 's representatives several times regarding removing the FHA insurance premium from my account. I get many different and incorrect answers. 
I have also contacted XXXX who confirmed I have met all the requirements. The XXXX representative, XXXX, has contacted the bank 2 x and the bank stated they removed the FHA premium from my account on XXXX/XXXX/XXXX. I have not received any written confirmation nor a new mortgage statement. 
I paid {$1400.00} ( this is minus the {$110.00} FHA premium ) for XXXX, XXXX. 
Subsequently, I received XXXX letters from the bank stating I am delinquent, owe a late fee and they can not apply my payment to my loan " because the system will not allow them to. '' My XXXX, XXXX payment is sitting in " unapplied funds ''. 
It seems the bank is confusing my escrow which includes property and school taxes and homeowners insurance. It does not include the FHA insurance premium. The bank did review my escrow account and sent me a check for the overage in the escrow account. The bank representatives continually refer to my escrow account when I call. 
This has been an ongoing issue since XXXX, XXXX. I need resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: In XX/XX/2018 I logged in to my XXXX 's account to pay my credit card and it was not accessible. I called XXXX 's credit department to find out what the issue was and was given this number ( XXXX ) to call. I was told when I called that my account has been closed. I had been struggling to make payments due to a job loss which lead to a pay cut. I had communicated this to XXXX 's credit card department via phone calls and was making minimum payments inconsistently. I disputed the closure of my account on the grounds that I was not informed of it in anyway or form, and also on the grounds that my financial situation is better that will enable me to make big payments. The Citi central recovery department whose agent I spoke to at the above number asked me to submit a letter for the reopening of the account which I did fax on XX/XX/2018. I called the next day and spoke to an agent who acknowledged the receipt of the letter and told me they were working on it to make a decision. I just called today to check on the status of the request and was told by agent # XXXX that a decision was made on XX/XX/2018 not to reopen the account. Again they didn't have the courtesy to inform me of the decision they made which is adversely going to affect my credit just as they did with the closure of the account. I feel very disrespected and taken for granted.

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 09-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Other

Complaint: AMEX is reporting XXXX corporate accounts on my consumer credit report. Both have been disputed via all XXXX bureaus and AMEX directly. All consistently take longer than 30 days to respond or send " run-around '' letters claiming that they need more information. More importantly, these accounts were never shown on my consumer credit report for the many years they were in good standing. They appeared only after I lost my business to a fire and became delinquent. This is unfair credit reporting and I request that the accounts to be moved back to the business credit bureau reports and removed from my personal consumer report. This is the very reason why small business owners maintain corporations at great expense. The accounts in question are AMEX account identifier # XXXX for account ending in XXXX, and XXXX for account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: Bank of America is doing it to me again. I told them I 'm on a very fixed income and they still take an overdraft fee every 5 days. I want this money returned to me immediately.

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 07/15/2015 about Credit reporting () with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i am filing another complaint so I can resolve the issue on all XXXX major credit report companies. I would like to get this resolved on my Experian credit report. 

On my credit report, in the public record section it says I still owe XXXX dollars to a said cable company. I resolved this issue over a year ago. I left for XXXX military XXXX and my wife went and paid the said company. Yet I still owe, and it is causing damage to my credit score. I would like to get this resolved and off my credit report. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Problem with fraud alerts or security freezes

Complaint: When you want to place a " credit freeze '' with Trans Union, they require you to submit your driver 's license or other form of government ID. Neither XXXX or XXXX require this. Trans Union 's requirement of more personal information from a consumer to place a credit freeze seems unnecessary and burdensome. As evidenced by the XXXX breach, these companies can not be trusted to protect our information. One should be able to place a credit freeze without providing additional information. 

" To set up a security freeze with TransUnion, please visit our online form. You should be prepared with the following types of information : A copy of a government-issued identification card, such as a drivers license or state ID card, etc. 
A copy of a utility bill, bank or insurance statement, etc. '' https : //www.transunion.comXXXX

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 08/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants and Professional Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation