milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with KEYCORP (ME).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: The late payments reported  by Key Bank to the credit bureau stemmed from a transfer request. Requests for transfers from our Key Bank checking account were previously made with success, however, as we were advised later, the women taking the request did not hit the submit button. The payment was accordin gly never transferred from our checking account into the line of credit account. On or about  XXXX , my complaints were escalated to collections and  then to Loan Modifica tions and spoke with  XXXX .  XXXX  explained  a 90 program wherein I would mak  e three m onthly payments on or before the  XXXX  of each month until caught up. I stated I would accept on the condition that complying with his payment schedule would not resul t in Keys consi  deri ng them as late payments. He stated they would not effect my credit. Due to his Spanish accent, I confirmed again that there would be no late payment reporting if I complied with his schedule. Again he stated, They would not. I confirmed my address with him and we ended conversation.     After the first payment was made, I had not received the written confirmation or the rules that I was expecting. When I contacted Key via email and over the phone, it became evident that they would not confirm the agreement in writing. Accordingly, I paid the second payment on time along with the third and last payment in advance. Numerous inquiries were made however I was constantly being put on hold ( for up to  23 minutes ), referred to other dep artments, disconnected while being on hold and avoiding any discussion of accountability on their part. On  XXXX  and finally on  XXXX , Supervisor  XXXX   ( Code   XXXX ,  XXXX , Oh io ) st ated that  XXXX  was the early stage contact for loan modification. When reading my notes of the agreement and quoting  XXXX , she simply concluded that he was in Keys  XXXX  office and that they did not accept outside correspondence.     As a self-employed individual trying to protect my credit, if this were litigated against  Key for the time expended on this, the visit to the Branch regar ding the failed transfer and the ensuing drag-it-out and run-em-down process, it would cost them more than the loan amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2017 about Debt collection (Medical debt) with Credit Systems International, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This collection agency is reporting on my credit report. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My wife and I applied for a home loan through a major bank. To our surprise, there were XXXX ( XXXX ) accounting errors, and a bill for a person that is not me. 1. Tax Lien {$1600.00} My tax debt was settled in XX/XX/XXXX, the balance is {$0.00} and it is paid in full, this should have been removed over 7-month 's ago. 2. Child support monthly payment {$660.00}, my daughter turned XXXX in XX/XX/XXXX, my support was reduced to {$150.00}, this should have been corrected over 3-years ago. 3. My name is XXXX XXXX, I have no idea who XXXX XXXX XXXX is, this person 's credit history should not be connected wit mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2018 about Checking or savings account (Checking account) with BB&T CORPORATION (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Can you explain this transaction please? : XX/XX/18 Description : PRIOR DAY RET ITEM FEE- $ XXXX/ITM Amount - {$36.00} Why is there a return fee, it's my cash. Provisional credit is so I may use it as my own and that's what I did I refuse to pay a fee to use my own money. Ridiculous.

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 10/16/2017 about Mortgage (Conventional home mortgage) with TIAA, FSB (TX).
Issue: Trouble during payment process

Complaint: EverBank informed us that there was a lapse in our hazard insurance coverage from XX/XX/XXXX to XX/XX/XXXX. We were never notified and evidently neither were they. The bank just recently informed us. We immediately got new insurance,. The bank says, '' An insurance charge of {$1200.00} may be charged to your account for the period of time that the coverage was in force. In order to avoid this charge or have it reversed from your account, please provide us with evidence of insurance for this lapse period. '' My question, since this is an escrow account and we provided money to pay the insurance, and they did not provided forced insurance for that period, why are they entitled to keep the money that we provided for the hazard insurance? Is this legal? 
By the way, we were not informed by the insurance company that they canceled our account. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: APR or interest rate

Complaint: Account with ATT/Citbank Universal Card. I disputed receipt of statement but paid without but it was a few days late. They took away the promotional rate of 7.99 to 29.99 accessed fees. Despite all my attempts and payments to resolve this, they gave to attorney. I made agreement and paid the amount. My account was to be marked as closed/ paid. Attorney still filed judgement, but court also found that it was satisfied and paid. Citibank charged off " after '' I paid the agreed amount and is still trying to show it as an open balance. The account should show nothing owed. In the judgement they tried to say i received all statements and I never disputed. But all that was sent to me with each letter was a generic message that i was not entitled to a promotional amount. The judgement also had the court paying me back money. I just want my credit reports to show this is closed/paid. It should not be charged off and with a balance. Filed to have judgement vacated.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My data was included in the Equifax security breach in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I inherited a home from my dad XXXX XXXX due that he passed away ; my dad still has a mortgage through Ocwen and because the acct was behind ; I was asking for a loan modification and to have the loan transferred in my name. In my opinion, Ocwen is the most unprofessional and display no empathy for a person at all. I submitted death certificate, transfer affidavit ( from atty XXXX XXXX XXXX, all my payroll stubs, tax information, etc. began to pay the mortgage and they continue to suspend my payments and stated that the information that I provided isnt good enough ; they are requesting a Will or letter of Administration. My dad didnt have a Will and my atty XXXX XXXX stated that what he provided is all they need but they insist that I go through probate and get a letter of Administration. I never seen a company that is so unorganized ; now granted my have authorization to speak with them regarding my dad 's account but they will not transfer the loan in my name and at this point I dont know where else to turn. I dont want to lose my dad house but I dont have {$7000.00} to pay out right to catch up on his loan ; but going forward I 'm so willing to take responsibilty but I need them to work with me. I 'm at my wits in because I have been dealing with this maddness for over 6 months. Is there anything you can do to help me resolve this issue. I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX i noticed that there was a transaction that i did not recognize on my credit card account for XXXX. I called American Express Bluebird to report the transaction. At the time i was advised that they would not be able to start an investigation until the transaction posted to the account. I had been monitoring the account and on XXXX/XXXX/2015 i notice that the funds were charged and so I called American Express. Up until that point they were not able to supply me with information as to were this transaction took place. To date they have refused to supply me with this information. On XXXX/XXXX/2015 in our conversation they advised that in order for them to initiate a fraud case i needed to fill out a declaration of fraud. In the email it advises me that it may take up to 45 days to investigate. I was going to fill this document out and email it back the following day since I was at work at the time. On XXXX/XXXX/2015 I received an email stating : " Recently you inquired about your charge ( s ) from your American Express Prepaid Card in the total amount of {$530.00}. Based upon our investigation we have determined that no error occurred and that transaction in question was authorized '' sequentially I received another email on the same day minutes apart stating : '' During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : Section XXXX Due to the violation, your Account has been closed. '' when called to inquire I was told that no information was able to be provided since the account was closed. I inquired as to what factors and evidence did they use to determine that the transaction was not fraud I was told that i needed to call the police and they will provide that information to them -, I called as a last resort to this complaint and spoke to XXXX rep XXXX to get what was the main office address for American Express and was advised that he was not able to provide me that information, however he did advise that the XXXX for an investigation was that they needed the XXXX returned to be able to initiate the fraud investigation. when Questions as to why if I had not yet replied I receive the above mentioned email he was unable to respond. I then asked what bank was the credit card company affiliated with he was unable to provided me with that number. I called again and all of the mention information including the fact that they could not open a fraud case unless the XXXX was received was confirmed by XXXX rep XXXX. I then tried my luck with a supervisor and was told that they would only disclose information to a police officer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Consumer Loan (Installment loan) with Gold Star Finance, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: An employee with Gold Star Finance by the name of XXXX XXXX has repeatedly came to my home. When I am not home she has gone to my neighbors home and asked them what time I am home and what time I usually leave. She calls me constantly and leaves messages saying my account will be having further action taken on it if I do not contact her. I work very odd hours and sometimes I am home when she has come but asleep. When I am awake the office is closed so I am unable to contact them. I am well aware I owe the debt but XXXX collection ethics will not get me to pay any quicker.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Received letters from MCM attempting to collect on Statute Debts. 9 years old or so. Claim offering reduced amount. These debts are statute and are not on my credit report. 

Furthermore, another debt was already disputed with credit reporting agencies and correctly and appropriately cleared from my credit file. 

XX/XX/XXXX XXXX XXXX XXXX Charged off and removed from credit file XX/XX/XXXX XXXX XXXX XXXX XXXX ( Statute account ) XX/XX/XXXX XXXX XXXX XXXX ( Statute Account ) Letter received is dated XX/XX/XXXX from MCM MCM XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Incorrect information on late payment by XXXX was not corrected by Transunion as requested by XXXX. XXXX requested that each of the consumer reporting agencies to : " Delete the delinquencies from my credit report '' XXXX did as requested but XXXX and Transunion have not. This is my second complaint on this subject.

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 05-04-2015 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have filed disputes with XXXX and XXXX. I received my free credit report online for Equifax and got kicked out. I have yet to be able to get back in to file the disputes. They keep saying they ca n't find my file. I printed the transaction page with my code on it which is more than the XXXX digits they keep asking for. I did n't know about the issue and once I found out only because I was checking my own credit via XXXX XXXX, I figured out what was going on. I paid all items on XXXX/XXXX/2015 and the case was dismissed. I ca n't even get into Equifax to dispute it now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: They are saying I owe a XXXX phone bill which they said that they were going to take care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Medical debt) with Uptain Group, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On or about XXXX/XXXX/XXXX I was taken to the emergency room by XXXX XXXX XXXX -these charges were covered by my employer heath plan

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Account opening, closing, or management

Complaint: I made several attains to pay my bill via Navy Federal Credit Union and the Website still is not work. Please review the website and make it working properly and contact regarding this matter also.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Pioneer Credit Recovery is harassing non-immediate family members with calls and lying about their reasons for calling. This is very illegal and is in violation of their contract with the department of education.

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 05/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Client had an account with XXXX XXXX. After receiving a free government phone, she added another line to the service, but when the fees turned out to be astronomical she cut off the services. She made as many payments as possible but the balance never went down. Now she owes a large sum of money to a collection company. That company has not validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MI).
Issue: Application, originator, mortgage broker

Complaint: I contacted my current mortgage company about a refinance. I spoke with the agent for about 20 minutes. I was very forthright. I disclosed we had a 2nd mortgage and would like to roll it into the current. She said we would easily be able to refinance and lower our payment and interest rate. She took my credit card info and said there would be a {$13.00} fee to get us started. We ran into some issues with the 2nd mortgage, decided to just refinance that separately. Again, she said that would be perfect. We had the appraisal. The house according to their appraisal was lower than expected. Again-she said that would n't be a problem. We refinanced the 2nd mortgage through the other company. Sent to it to the mortgage company. Again-perfect. Then we were told that the interest went up and it was n't really worth it to refinance. Also, they had charged us {$600.00} ( appraisal and other fees ) Now we were told that would n't happen. That we would n't be charged unless we were approved, etc. I was hesitant to even do this as my husband was injured and has n't worked in over a year. I would never spend {$600.00} on a 'maybe ' as that is almost our entire mortgage payment.

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 07/20/2016 about Payday loan () with National Credit Adjusters, LLC (OH).
Issue: Can't contact lender

Complaint: This company is called National Credit Adjusters and they took over a loan that I paid in full through a consolidation program, however, they continue to harass my personal phone and are calling me on my work phone everyday and I have asked them to stop. I have sent them cease and desist letters from my lawyer and they continue to call. The phone number is XXXX OR XXXX - they will not quit calling and I do not owe them money. This is a FDCPA Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Chexsystems is wrong! 
The FCRA section 605B, says all i have to provide is a copy of " an identity theft report '' Nothing at all about dates or time frames of when the fraud occurred. Chexsystems is trying to interpret and rewrite the law, which is illegal. They have 4 business days to block the fraud, and they never do. 
I got the XXXX accounts removed from my record, Chexsystems had to block it only. I gave them the information two years ago, they broke the law for two years, and lie about it like in this reply. 
Look at their policies and see this blatant disregard for the law. Chexsystems refuses to deal with the facts and hides behind XXXX. 
I am appalled by this behavior and asked them to provide me their policies in how they treat my account, they lie to your entity, imagine how they abuse other customers. 
Sad, and illegal is how Chexsystems breaking of tbe law is classified. 
Stop them from breaking the law, have their policies follow the law. There is fraud all over my account. 
They refuse to obey the law and harm instead. 
Fraud ten years ago, that is still being committed today, only takes ONE police report, unless it was now comitted by myself. The banks never charged me, because it is NOT me. 
Chexsystems can not ASSUME that, and not obey the law. 
I will attach the law, so they see there are no provisions in this law, for how they break the law.

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 11/14/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: I have mailed a validation letter requesting that they explain and show me how they calculated what you say I owe. I mailed this letter on XXXX XXXX, 2015. It has been more than thirty days and have yet to receive proper validation information on this account. They continue to report this account on my credit report however I am trying to understand why they claim I owe this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Consumer Loan (Installment loan) with WLCC (PA).
Issue: Problems when you are unable to pay

Complaint: I have an installment loan with XXXX. I have been having trouble paying lately and repeatedly asked them to stop a I to debuting my bank account as I had no money to pay them. They continued to auto debit my account after I asked them to stop. They also caused me to overdraw my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2017 about Debt collection (Medical) with Phoenix Financial Services LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was not mine, I had it removed from XXXX credit reports while it was under the name of a different collections agency. Now, I am getting harassed by a new company called Phoenix financial regarding this previously deleted account. I feel very uneasy about this issue. I was yelled at over the phone, and was told that I am basically a bad person for not paying my " debt '' by the collector. I do not deserve to be treated this way, especially for a debt that I had been cleared of already.

Company response to consumer: Closed with explanation