milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Vehicle loan or lease (Loan) with KEYCORP (WA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I have a boat loan with Key Bank. My boat is a documented vessel - this is different than typical registration on a boat. My boat has a vessel name ( XXXX ) and a hailing port ( XXXX XXXX, CA ). I moved to XXXX XXXX last year and wanted to change the hailing port on my vessel. The XXXX XXXX requires me to get approval from Key Bank via XXXX XXXX Form XXXX. I contacted Key Bank and they gave me an address to send the form and required a {$100.00} fee to process the form. They said it would be processed in 5 business days. I sent the form and check to them on XXXX XXXX 2017. I was planning a trip to XXXX in XXXX so I wanted to get all the paperwork completed by then. After waiting 3 weeks, I contacted Key Bank. They said they never got my form or check. I informed them that they had cashed my check which was stapled to the form. They insisted that I send another check and form - this time they gave me a different address with a specific mail stop. I called the next week to see if they go the form. They said no. I continued to call and finally they told me they got it and were processing it. I made an additional 17 phone calls to various people including XXXX XXXX, two of this staff XXXX & XXXX, XXXX, XXXX and finally to XXXX XXXX. XXXX was able to confirm the receipt of my form and told me XXXX XXXX was processing it. I waited another 2 weeks and nothing. It 's now getting close to my departure to XXXX so I contacted the XXXX XXXX to tell them what was going on. They required another {$100.00} fee to un-do my request ( I paid them {$100.00} when I initiated the request with Key Bank in XXXX ). I had to re-purchase lettering for my boat to take it back to the XXXX XXXX XXXX XXXX and submitted an expedited request to the XXXX XXXX for temporary documentation so that I can leave the country. Key Bank XXXX XXXX me a document today approving a name change on my boat. I do not wish to change the name, I never requested that, I requested changing the hailing port. For 2 1/2 months now , Key Bank continues to be uncooperative on the phone and clueless as to what is being requested. They should not provide boat loans if they do not have the ability to process the simple paperwork required to meet XXXX XXXX requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: **Please note, this complaint was originally submitted under # XXXX through the US mail. Despite sending it return receipt requested and receiving a signature, when I tried to follow up, there was no record of my claim I consolidated all loans in XX/XX/XXXX with a company called suntech. My original promissory note was for {$37000.00}. Under federal statute ( and what I was told my the loan agent ) this was a 20 year consolidation. I never received ANY disclosure to alter the terms of the original promissory note. 
This loan was sold multiple times. I continued to pay to each and every company as agreed, even paying over the amount for multiple months in an attempt to pay off earlier. Each time, I specified the extra amount was to be applied to principal. 
In XX/XX/XXXX the loan was acquired by XXXX XXXX. 
1 ) they claim the prinicipal amount at the time of acquisition was {$43000.00}. After 10 years of payments, they claim my prinicipal increased from the original promissory note. Despite multiple attempts to show them it is just not possible, they absolutely refuse to acknowledge this. I have sent copies of promissory notes and pages of cancelled checks to prove what i have paid. 
2 ) They claim the original consolidation was {$43000.00}, yet they are unable to provide me with any disclosure that would have changed the loan from the binding contract. 
3 ) They refuse to give me credit for all canceled checks provided to them, insisting they are only responsible for giving me credit for payments made to them. This in essence negates 10 years of payments and some {$40000.00}. 
4 ) They have missapplied multiple payments, often with XXXX going to prinicipal and multiple late fees within the same month. They have also charged late fees when I have provided proof that the check has cleared my bank well within the grace period. 
5 ) I have tried every avenue, yet they hold fast to their stand. Every time anyone questions them, they give the same pat answer that they have reviewed everything and they are in the right. They REFUSE to accept any proof of payment made before they acquired the loan and REFUSE to acknowledge that it is just impossible for the principal of a loan to increase after 10 years of payments. 
They have even gone so far as to request that i no longer " bother '' them with my concerns, they are done explaining themselves. 
I maintain that the original amount was {$37000.00}, a 20 year consolidation loan and if all payments had been applied correctly ( as shown by attached amortization by a forensic accountant ) this loan is not only paid in full, I have overpaid by some {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Kay Jewelers continues to harass my wife on her phone even though she is not on the account and never has been. They also call after XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian has allowed Collection agencies that to re-post accounts that have been resold more than once.

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 03-08-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I received a deferment on my student loan two years ago. The collection agency began harassing my family and friends by calling their private phone numbers yesterday XX/XX/2018. They continued to call today and asking for me, where I work, where I live etc. They claim to have tracked their numbers on a " public data system ''. We've asked multiple times to remove their contact information, since they have nothing to do with my bills nor manage any of my accounts.

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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: On XX/XX/XXXX I placed my objection to Credit Report issued by Experian showing an account with XXXX with an outstanding balance of {$480.00} still remained unpaid and thus affecting my credit score for which other financial Institutions declined their financial services. 

I sent in my dispute of that false information and submitted copies of the settlement offered by XXXX XXXX XXXX XXXX in behalf of XXXX back on XX/XX/XXXX, as well as copies of payments cancelling my debt as of XX/XX/XXXX ( that is TWO years ago ) as it can be proven with the attached documents.and requested Experian to delete this item from my credit report. 

Furthermore I spoke to Experian Customer Service about the dispute initiated and they only limited to tell me that I had to address my concerns directly to XXXX for which I rejected this procedure because they were directly involved in the lack of accuracy in my credit report and they were making business selling that information. 

Finally the most weird response came from Experian telling me that they can not honor my request alleging that because you did not provide sufficient identification information for us to verify your identity or the information you provided was not legible ( see attached letter ) I also spoke to XXXX  Customer Service and as per their instructions I faxed them the same documentation sent to Experian and toi this present date the issue remains unresolved affecting deeply my good record

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 04/18/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have held a mortgage against my house since XXXX 1994. I have NEVER been late. 
A payment was scheduled for XXXX, but apparently it did not go through. I do not understand, and was unaware that the payment did not go through until I began to receive letters from Citibank/Citimortgage that they had notified the credit bureau 's that I was in default. I called the bank, and informed them that I would schedule a payment with my bank immediately. The rep wanted me to send it over my phone, I refused, he kept right on trying to get me to send a payment over my phone. In addition, he tried to put words in my mouth stating that I had forgot. I did NOT forget to sent the payment. I am a XXXX year old XXXX female veteran. Was he making fun of me? I tried to get customer service to allow me to view my account online, but was told that I had not linked my mortgage to whatever. I have not been able to view my account online for over 3 years despite all I do with citibank to make this happen. I only have XXXX mortgage, only XXXX product with citibank, so I do not know what this person was talking about. I was sold to citibank. I did not choose them. The XXXX payment was received on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit card () with DISCOVER BANK (DC).
Issue: Billing disputes

Complaint: I am writing to dispute recent correspondence from Discover Financial Services. I reported fraudulent charges to my credit card but they remain on my account. I timely notified the companies I never received any goods or services and the companies agreed to take the charges off the account, yet Discover continues to place the fraudulent charges to my account. This is very XXXX to me as I am a victim of identity theft and insurance fraud. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Payday loan) with First Recovery Solutions, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received two calls robo calls from First Recovery XXXX. The voicemail left a callback number XXXX and a acct # XXXX. I call the number back and the person who answered the phone asked if she were speaking to XXXX and wanted me to verify my ssn. I responded that I was she but would n't verify my ssn. I was told that they would give me any information until I verified the ssn. I said that 's fine. This is a scam and I will report this call to the FTC. The women then said " when you make the report tell them to come lock your XXXX up '' and then quickly hung up.

Company response to consumer: Untimely response
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
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!

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello I try and keep track of the items that are on my credit especially my inquiries but yesterday I noticed that I have some inquiries that do not belong to me. I have n't lost any of my information I do n't think and I do n't believe someone has stolen my identity. Please send me information regarding these inquiries or have them removed as soon as possible because it is truly hurting my credit and I do n't have these accounts. 
TRANSUNION : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/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 11/14/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech has been harassing the XXXX family I the living has had a private investigator sent to my house I have never authorized my private information to be given out or my address to were my children lay there head. I have requested for the accounting both set of books as I know there is 2 sides and any contract Ditech feels that I may have with them. As I have never had a contract with Ditech or gave consent to Ditech. I am asking for cusip number and XXXX form from Ditech. I need the XXXX information to provided to IRS for accounting. I want to see the accounting of the books as there is 2 sides of accounting. Mortgage default title insurance should have been applied for either from XXXX, Greentree. I have no idea how ditech was given the XXXX private information. I have revoked any power of attorney from outside sources and have revoked any power attorney for XXXX XXXX. This company needs to be looked in to I am also sending in a form XXXX to IRS to look in to this company and for all accounting. I have also requested the XXXX oid and have not received this information I am entitled to. I am do back interest and have not been given what is owned to the XXXX Family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with JPMORGAN CHASE & CO. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have previously got assistance for this same information. Chase back issued a XXXX on XXXX accounts I had with them. Upon completion of your investigation they were removed. As of today, they have reinserted the information on my credit report. Please look into this matter. I am trying to purchase a home and this information is hurting my chances. According to information I have researched, Chase can be sued for this action, please advise if this is the case. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2018 about Debt collection (Medical debt) with First Federal Credit Control (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: First Federal Credit Control is saying they are a federal collector and will put me in jail if i don't pay them XXXX dollars. i am brining this to the attion of the real protection bureau and maybe you guys can help me they calme i owe a debt of XXXX dollars toa XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Deposits and withdrawals

Complaint: The Bank of America cleared a deposited check and I drew against it. At XXXX XX/XX/XXXX they paid a transaction for {$1000.00}. At XX/XX/XXXX they paid another transaction for {$24.00}. At about XX/XX/XXXX they declined a transaction and debited my account for the amount of the check. They say that even though they cleared the check, I am responsible for the bad check amount. In other words, they want it both ways. This is the absolutely worst bank practice, that penalizes the little guy for THEIR mistake. See attached.

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 06-10-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Settlement process and costs

Complaint: I have a case number from a former complaint case # XXXX On XX/XX/XXXX I received a loan modification from Nationstar Mortgage ( my former mortgage company was XXXX ) when Nationstar took my loan over my loan increased almost XXXX, which I questioned several times but no one at Nationstar could tell me. That 's when I sent you the complaint and then the XXXX was taken off my loan. One of the many times I called and questioned was on XXXX/XXXX/XXXX I called Nationstar and asked why my loan went from XXXX to XXXX ref # XXXX also another ref # XXXX for property inspection fees and legal fees. For XX/XX/XXXX until I sent you the original complaint I never missed a payment. When I talked with XXXX XXXX employee # XXXX today, XX/XX/XXXX she stated this had been one of the complicated cases she had ever seen. I then call XXXX @ XXXX which was the one that was suppose to send me papers which I never received. One of my problems is they have NEVER sent me mod. Papers to sign like XXXX told me and several other Nationstar employees have told me. Another problem is why should I have to do a whole other modification when it was Nationstar 's error? Nationstar said today that they denied the modification from XX/XX/XXXX because I never sent the signed papers back. I never received the modification papers. Please help me this has gone on way to long. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Consumer Collection Management. Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After renting a house in an economically challenged neighborhood, my wife and I were forced to remove ourselves from the property due to ongoing threats of extreme violence from the neighbors. In doing so, we had to make arrangements with the property owner, XXXX. Our agreement was a verbal one and we were to receive a written statement, I am not sure where it went as we moved in a hurry. The agreement included cash as well as all of our brand new appliances ( cash value was more than the debt ). We just need to get out. A year had passed when we first noticed a collection company reporting we owed someone we not aware of. We never received a written statement of this debt, just that it seemed to appear out of nowhere. Unfortunately, this debt gets removed and the replaced. Now the collection is still ongoing and still noting in writing from them, I have sent a register letter to acquire this information in writing. The ongoing effort to collect a debt that we do not owe is being done by a company that is not licensed to collect debts here in the of Florida!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone has been applying for credit using my personal information without my authorization and consent. Someone has also opened a XXXX credit account and has been using it without my knowledge. I have filed a police report and sent multiple dispute forms to the credit bureaus ( XXXX, XXXX, Equifax ) but no one is helping me. I spoke to the bureaus and XXXX, however no one is helping me with this issue! I am a victim of identity theft and this is ruining my life! 


XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Equifax : XXXX XXXX- Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: how long does a late payment history remain on a credit? ... i have a acct on all my credit reports from all XXXX credit reporting agencies since 2003 ... NO ONE CAN TELL ME WHEN THE ACCT IS GOING TO BE REMOVED ... I THOUGHT A NEGATIVE ACCT. REAMINS ON YOUR CREDIT FROM THE DATE OF THE FIRST DELINQUENCY ... BUT EXPERIAN INFORMED ME ITS THE LAST DELINQUENCY ... PLEASE HELP THIS NEG. INFO IS RUINING MY CREDIT.I HAVE DISPUTED THE ACCT WITH ALL XXXX CREDIT REPORTING AGENCIES, AND MY CREDIT REPORT HAS REMAINED THE SAME WITH EVERY DISPUTE.THE ACCT IN QUESTION IS A STUDENT LOAN ACCT FROM 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 09/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit card protection / Debt protection

Complaint: In XXXX 2016 I received Two credit cards in the mail from capital one on the same account one the primary holder and the other the additional holder with XXXX XXXX dollar credit limit. I used the card once and attempted to use it a gain and it was dishonored a fraud alert had been put on it. I looked up the account online and found out it had been restricted and I needed to call them. So I called them and verified that I had used the card and they said that the restriction would be lifted in 72 hours that was in XXXX it is now XXXX 2016 and they are still on restriction and they refuse to give me a written reason. they have collected all kind of personal id documents from me. In view of the XXXX situation I am wondering what is really going on.

Company response to consumer: Closed with explanation