milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with KEYCORP (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Payment made on XX/XX/XXXX from XXXX Checking account Key Bank calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. Key bank representative advises me to file a dispute with XXXX Filed Online Banking Dispute with XXXX XXXX payment XXXX XXXX XXXX reaches out to Key Bank XX/XX/XXXX ( Biller will not speak to XXXX without Subscriber ) Key Bank stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XXXX called Key Bank with me, XXXX XXXX XXXX Online banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called Key bank on XX/XX/XXXX @ XXXX XXXX minutes transferred multiple times stated payment would be applied to mortgage XX/XX/XXXX payment made with XXXX check at Key bank location XX/XX/XXXX XXXX XXXX , NY Male from Key Bank ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my Key Bank mortgage is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call Key Bank directly to rectify. The same day, I called back Key Bank and spoke to customer service representative XXXX XXXX & XXXX on the phone 43 minutes being transferred back and forward Payment directly debt from Key account # around the same time ( will show on past Key statement ) XXXX was able to get Key Bank mortgage on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX XXXX stating that they will be mailing out a paper check for the balance that should have been applied to the Key Bank mortgage. Paper check was dated XX/XX/XXXX ( see attached ). Received check from Key for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit card or prepaid card (General-purpose prepaid card) with CHEMICAL FINANCIAL CORPORATION (MI).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: on XXXX XXXX, XXXX I went on line as I do every month to pay XXXX XXXX credit card payment of {$63.00} there was a glitz on line and and they read XXXX and they got that from the chemical bank as a loan of XXXX and my XXXX XXXX  check in the bank was only {$150.00} so now XXXX XXXX have XXXX instead of XXXX and chemical bank gave that to them and now chemical bank has taken my XXXX XXXX check and I have no money to pay my bills or buy anything and chemical bank is hounding me to pay over XXXX back because my XXXX XXXX card had only XXXX that I owed and XXXX XXXX returned XXXX back to chemical bank and chemical bank is trying to make me pay them.

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 05/13/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Two years ago a tax lien was placed on my home in Maryland. In XXXX of 2014 the lien was paid off when I sold the house. Since then I have repeatedly been denied loans due to the entry of the tax lien on my credit reports. I contacted the Maryland tax collection agency with whom I had been working and was told that they had in fact forwarded the lien release to each of the credit bureaus. Two weeks ago I applied for a loan and was denied due to a report of a tax lien on the property in Maryland. I would like to get this issue resolved and find out what if any legal remedies are available to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit card () with CITIBANK, N.A. (VT).
Issue: Closing/Cancelling account

Complaint: Trying not to use so much credit, No. 1, plus we moved too far away from any mall here in XXXX, Macy 's credit closed my card without any warning. It was my oldest card ( got it when they were XXXX in XXXX at XXXX ), so my credit score went down quite a bit. They would not reinstate it, and said it 's written in their policies! Yeah, who reads that XXXX? This is not so much a personal problem as I still have excellent credit, but this should not be allowed. These credit card companies/banks, continue to XXXX the consumer

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writing to dispute   XXXX    XXXX   XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have this mortgage with Shellpoint Mortgage Servicing I ask them for loan modification. when I call them. they said that they will make my loan late but is will reversed once the modification was done. All was over the phone but when all was done they did not honor that. 
But I notice that on my credit report show XXXX 120 days late payments but the month has only 30 days. 
( see included copy of the account ) and one month they report late on XXXX credit bureaus and XXXX current. Once again 120 days. when is only 30 days on a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CO).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: on XX/XX/XXXX, called to cancel our Chase XXXX XXXX credit card, phone # on the card is XXXX XXXX XXXX was on hold and transferred at least 3 times in an effort to cancel the cc. was asked various financial questions that have nothing to do with cancelling the acct. 

reps said they could not cancel the acct because it was under review, not sure what " under review '' means and rep could not tell me. the cc has never been delinquent, always paid on line. I believe this was an attempt to keep the acct active in order to charge an annual fee that is due on XX/XX/XXXX on hold/talking to various reps for approx 50 minutes. Last rep disconnected the call. 

I gave up, called Chase headquarters at XXXX was transferred to credit card services, cancelled card within 2 minutes. 

outrageous attempt to delay cancelling of the cc in order to charge the annual fee.

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. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To whom it may concern, On or about XX/XX/XXXX I discovered that TransUnion was still reporting an alleged Bankruptcy on my credit report known as : BANKRUPTCY CHAPTER XXXX-FILED, XX/XX/XXXX, {$0.00}, XXXX, FEDERAL DISTRICT, no further information was being reported at that time, no name, no address, no amount, no social security number, no date of birth as required. 

There is NO mentioned whether this alleged Bankruptcy was dismissed or discharged which clearly proves it is an incomplete filing therefore violating both State and Federal Law. 

On XX/XX/XXXX I sent TransUnion a letter ( see attached ) using Certified Mail and not only disputing this erroneous filing I requested validation of where the information came from in the first place and that it be validated with the Court who is the ONLY ones who can legally validate supplying first hand information. 

The response I received from TransUnion was they verified it with XXXX XXXX a 3rd party. I contacted XXXX XXXX and they replied telling me that there is NO information in their system with regard to this alleged Bankruptcy ( see enclosed letter from XXXX XXXX ). It 's important to note here that NONE of the other Credit Bureaus are reporting this erroneous reporting ( see attached Credit Reports from XXXX & XXXX ). 

In the event I need to file a Federal Law Suit in order to get TransUnion to remove this erroneous filing I thought it wise to contact the Federal Bankruptcy Court to see what their policy and procedures are when supplying information to TransUnion and their reply letter to me was very clear that they DO NOT supply TransUnion with any information. 

On XX/XX/XXXX the ( 3 ) main reporting Bureaus, XX/XX/XXXX, XX/XX/XXXXand TransUnion as part of a settlement with several Attorney Generals throughout the Country agreed to insure accurate and complete reporting including, name, address, social security number, date of birth and were ordered to delete any files that were not in compliance. 

Based on all of the above mentioned requirements and based on the fact that there is nothing saying whether this alleged Bankruptcy was discharge or dismissed nor is there a dollar amount which is also required I respectively demand that TransUnion delete this erroneous filing and send me a letter of that deletion for my files. 

Thank you for your kind consideration. 

Respectively, 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 09/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Experian has refused to remove a debt in which I requested the extremely old account to be removed. I have no payment history as I never made any payments so any history there would be fraudulent reporting on the creditors part. I know the organization can not produce any payment transactions because there are none. So to falsely report is illegal. Neither is the account attached to another account. I am within guidelines to have the extremely old debt from 2005 removed and ask that Experian please remove it immediately. It has been 11 years. The debt is XXXX XXXX open date 2005 account number 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 03/26/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (HI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My daughters and other family members have been getting repeated recorded calls on their cell phone and home phones. 
Recorded calls say there is a civil matter with my name and SSN attached to it. They do not leave a valid number to call back on. 
When my husband got the XXXX call he was able to get someone on the phone and got a valid number for me to call back on. 
I called that number on XXXX/XXXX/15 about XXXX times and left about XXXX messages for a call back. No one called me back. 
I finally got to speak to a live person on Thursday XXXX/XXXX/15, name is XXXX XXXX or XXXX, threatened that they will be serving me papers for an old credit card debt and also that someone had already called in and claimed to be me so they will be filing fraud charges against the phone number they have on recorded for that supposedly call. They did not want me to speak my side and would not give me the account number that they have and kept putting me on hold so he could speak to his supervisor and the XXXX time he did that he disconnected the call. Advised that I was being recorded and he asked me to confirm my name / last digits of SSN, bdate and age. 
XXXX call came in at XXXX XXXX my time on my phone ( XXXX/XXXX/15 ) My number as well as my daughters / husbands/ mom numbers are registered on the National Do Not Call list.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Payday loan () with Scott’s Jewelry & Pawn Inc. (AL).
Issue: Payment to acct not credited

Complaint: I have a payday loan with Check Exchange for $XXXX.. I retained the services XXXX and they act as the middle man for sending payments to payday lenders or creditors on your behalf.. Check exchange recieved XXXX payment of $XXXX which would be per month until debt is paid in full for XXXX months..check exchange cashed the check but turned around and said that they want $XXXX per month for XXXX months that would put me in a financial strain I cannot afford right now..I t is not like I am not trying to pay them back what I owe, it may be in a smaill amount, but something is better than nothing at all and they did cash what was sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Mortgage debt) with NATIONSTAR MORTGAGE (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Nationstar Mortgage is attempting to collect a debt without any legal authority. According to Nationstar Mortgage, I owe {$290000.00} and I 'm 77 months past due. I have not made any payments to Nationstar Mortgage since the alleged transfer of servicing of the loan in  XXXX   XXXX . Nationstar contends they are servicing the debt for the   XXXX   XXXX   XXXX   XXXX    XXXX .     The   XXXX   XXXX   XXXX   XXXX    XXXX  was the purchaser of the property in a foreclosure sale in  XXXX   XXXX  and is the legal title holder of the property.  XXXX   XXXX   XXXX ,  XXXX  's predecessor claims I owe   XXXX     XXXX    XXXX   XXXX    XXXX  rent as a result of the foreclosure sale.   XXXX    XXXX   XXXX  and Nationstar Mortgage is playing a cat and mouse game to harass and defraud me. It 's impossible to be responsible for rent and the debt that was foreclosed.   XXXX    XXXX   XXXX  and Nationstar Mortgage ca n't get their lies in sync. I 'm currently litigating with   XXXX   XXXX   XXXX   XXXX    XXXX  and  XXXX   XXXX   XXXX  in a pending lawsuit since  XXXX   XXXX  for wrongful post-foreclosure eviction, cancel trustee 's deed, recover title to my property, and numerous fraud claims. I 've attached an excerpt from   XXXX   XXXX   XXXX   XXXX    XXXX  's answer asking for rent in  XXXX   XXXX  during the pendency of the lawsuit. I 'm attaching documents to substantiate my claims. I 've filed over  XXXX  CFPB complaints, review my history. The truth does n't change.   XXXX    XXXX   XXXX  and Nationstar in their capacities as   XXXX   XXXX   XXXX   XXXX    XXXX  's servicers ca n't get their stories straight. Of course, it 's too much for the big law firms representing these large financial institutions to admit they 're wrong. They would rather conspire with each to commit fraud to right their wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 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: I file chpt XXXX bk back in XX/XX/XXXX, reaffirmed the debt in XX/XX/XXXX, recently in XX/XX/XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XX/XX/XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over 80 points ....

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Had some challenges over the years making student loan payment payments ( XXXX ; and again in XXXX when I lost my job. Called to get help and each time the only option given to me was forbearance. I was never offered any other types of assistance or programs. As a result, I am in more debt now that every before. The student loan amounts are listed in my credit report multiple times causing a negative impact on my credit score. I owes thousands in loans ( mostly from interest, fees, and forbearance ). This has caused a tremendous hardship on my family. It would have been nice to know that I could have been enrolled in an income based repayment program based off my income so that I could have kept up with my student loans -- and not pushed into forbearance as my only option. 

I have called XXXX XXXX, wrote letters, but nothing helps.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have asked Navient, who manages one of my student loans to discontinue calling me on at least 5 occasions and told them to make all communications in writing via US mail or email only. I am in the process of trying to get a foreberance approved, which I have run into several issues with paperwork and their lack of customer service is deplorable causing the issue to not be resolved still. I have also submitted an email request twice they refrain from harassing phone calls and they still have not listed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Bank account or service (Checking account) with BANK OF THE WEST (CO).
Issue: Problems caused by my funds being low

Complaint: I applied for a job through a company that was false. The job was set up for me to work at home and they would mail me funds. I contacted the XXXX Attorney in Colorado and found out after I had cashed the check that these are false businesses made to get you to spend your money on their businesses. My bank charged me a {$15.00} fee even though I went to them on Monday after I had deposited the check on Saturday and they still charged me the fees even though I explained that this was a fraudulent business. Then they bounced a check and charged me XXXX because I was short about {$6.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
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: the department of education /Nelnet are reporting that I student loans, they are reporting on XXXX , XXXX  and XXXX this is n't accurately. 
they have over 12 accounts on my credit report. I have asked for them to send me promissory notes that I have signed that stated that I applied for these loans and they have not sent me anything as will as all proof with DL picture, signature and paperwork. they have not sent any information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I have been banking with Wells Fargo since 1993. I am currently applying for XXXX and I am unable to work. My checking account was fine until I was told false information about the date in which fees were to be applied to my account. They applied the fees a week early and my account has been charged NSF fees like crazy. I can not catch up with my account because they have put the same checks through 4 times and now the NSF fees are so piled up I ca n't get my account current! They apply checks before a cash deposit! They do anything they can and always have to collect their XXXX dollar NSF fees!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (KY).
Issue: Making/receiving payments, sending money

Complaint: Sent my savings via US bank for a purchase overseas. The money never arrived thus could not make the purchase. Went back to ask for the money and have been for the last five weeks to no avail. Will appreciate help just getting my money back. They can keep the charges

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 05-10-2016 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (UT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Caller says company name and who and why they are calling when calling a co-worker at place of employment. Asked repeatedly not to call at work. Blocked number from our end. Company continues to call using numbers associated with other companies. Privacy laws of all sorts including harrasement from company who calls over and over all day to both home and work. Threats that if we hang up she will make my life " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have any contractual obligations to this debt collector, once a debt is written / charged off, that debt becomes paid and contract is good. I have absolutely no obligation with them.

Company response to consumer: Closed with explanation