milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with KEYCORP (NY).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I recently received a monthly statement from Key Bank with a {$50.00} annual membership fee. This account has been inactive for at least 5 years, probably 10 ( and the company is no longer in existence, but I am sure my name is associated with it ). I called their their listed number to get this charge/account eliminated. I spent 30 minutes on the phone in an attempt to get the account closed. I was told to visit a branch to do this and told them that is not possible. I waited on hold for 15 minutes for a supervisor, and was told that one would have to call me back.
I just want them to close this account which was never theirs in the first place. I do n't have the time or money to deal with this. 

How do I get them to eliminate this ridiculous charge and close my account?

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/2016, my monthly auto payment on NationStar 's website experienced a technical glitch and caused my monthly mortgage payment to not be credited. All other months had been paid up to this month, but due to the technical issue, my payment was " kicked out '' of the system. I was eventually notified and paid the mortgage payment immediately. 

On XX/XX/2016, I was notified that the payment was late for XX/XX/2016. I had made a regular payment and then proceeded to set up automatic payments from that point forward. Once we submitted the request we were under the assumption the set up was complete and the payments would be timely made. It was not until we were notified in XX/XX/XXXX that payments had not been made timely. We promptly made those payments online. We then proceeded to set up recurring bill payments through the local bank since the original set up had not occurred As with most folks these days we relied on technology and in this specific situation it failed. Certainly, the payments were not intentionally late as I was confident that automatic payments had been established. 
Both " late '' payments resulted in a reporting to my credit agencies and severely damaging my credit rating. I am requesting that your company update the late payment in XX/XX/2016 credit reporting due to this being a technological glitch and not a consumer oversight or avoidance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Debt collection (I do not know) with Wexford & James LLC (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Received a call from an XXXX first an automated machine said to have my legal counsel contact them and I waited to get someone on the phone the lady answered and said that the companythey where calling from was Wexford refused to give address said they were sending the police to get me and that I was charged with theft of services tied to my social but would not tell me more other than I better send her money Woman refused to give details or an address I hung up they called repeatedly XXXX times after with in seconds of each call

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Southwest Credit Systems I has illegally re-aged the " Date First Reported/Date First Delinquency '' for an unpaid cable bill from XX/XX/XXXX. They have showed multiple different Dates of First Delinquency. This account was closed in XXXX XXXX and I have not had any communication with XXXX or Southwest since XXXX XXXX. I have attached a copy of my XXXX Credit Report which shows the Date of 1st Delinquency in XXXX. I have also attached a copy of my XXXX report which states " This account is scheduled to continue on record until XXXX XXXX. ''

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ability Recovery Services, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/2016 I enrolled for a program through XXXX XXXX for XXXX tech when enrolling they stated I had 30 days to cancel. Before my 30 days up i called and stated I was no longer intrested in the program and asked if it culd be cancelled and the represenative stated that it was ok. So I left it was that.. and a year later come to find out the account was sent to collections, first I went through one agency then later that was removed from my credit report which was a relief because I had told them to cancel it. But now its showing up on my credit report through a now diffrent collection agency who kepts reporting om my credit. The name of the agency is " ABILITY RECOVERY SERVICES , LLC. The original creditor is XXXX XXXX ... I do not have account info becuase i disgarded all the paper. APPRECIATE YOUR ASSISTANCE!! 
email address is 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 04/13/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (MD).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Please see enclosed letter for detailed information. 

Lender approved me for a loan based on my credit score/history. School does n't want to certify and disburse loan because of my current XXXX status. I am a small business owner currently in adjustment of status a process which takes about 1-2 years because of backlog.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hello, I would like to file a complaint against Diversified Consultants. They have called and spoken to my husband and myself multiple times per day this week ( at least 5 ).

They called last night and lied to my husband saying that they had already spoken to me ( which they did not ).

They called me today and said that my husband agreed to pay last night but they needed to talk to me for payment ( he never agreed to pay, nor did I ). She also got very belligerent, yelling at me and continued to lie to me about their conversation last night ( which I Was present for ).

I told her that they need to stop calling me and my husband and they need to talk to my attorney, she hung up on me then promptly called my husband to attempt to collect from him again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed the information with Equifax ; I am waiting for their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was called 3 times today XX/XX/17. They wanted a payment. I authorized {$10.00} they took {$16.00}. This will cause an overdraft on my checking account. I called the company back and told them I did not authorize the {$16.00} and want all the money returned to my account. They said this will take 5 days. It only took a couple of seconds to get it from my account. I do owe XXXX XXXX XXXX XXXX for this and was told I could pay over time. This company calls me several times a day and I tell them the same thing each time they call.

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 10/30/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Trouble during payment process

Complaint: Called Wells Fargo Bank to get a mortgage payoff amount and the address to send the funds to. Bank provided an address in XXXX XXXX. Sent a cashiers check by certified mail XXXX to make the XXXX XXXX deadline. Called on Monday XXXX to check on the process. Wells Fargo indicated that the address provided was incorrect and it was our problem to sort it out. They deliberately provided the wrong address to delay the payment and garner more fees. Wells Fargo has been difficult about the pay off from the beginning and just looking to rack up fees.

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 02-07-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was in XXXX and an account was opened in my name while I was away! Someone had opened several different accounts in my name. When I got out, I had everything removed from my credit ( except for a XXXX bill ). I notified XXXX that this was a result of identity theft and eventually it was removed from my credit report, but later sold to an collection company! I disputed it with the credit bureaus and the collection company, and eventually it was removed again! So now the account reappeared again but with XXXX XXXX XXXX. So I filed a FTC report, and sent it to all parties ( XXXX, all 3 credit bureaus, and XXXX XXXX XXXX ). Once again its removed from all credit reports and its blocked from getting added back on, and out of all the companies XXXX XXXX XXXX  is the only company that is trying to collect on this debt! I have never lived at the address this bill was established at. I was XXXX with proof. I never gave my permission for any company to run my name, social security number, or date of birth to obtain services. This is harassment

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 08-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I signed a modification offer submitted to me and my attorney by Ocwen effective XX/XX/XXXX. 
I made all payments timely for the amount specified in the modification agreement. 
However, Ocwen began to reject my payments, claiming I owed fees for unspecified reasons almost immediately. I continued to pay the amount due, plus fees that I categorically deny owing. But still, Ocwen is not cashing my XX/XX/XXXX and XX/XX/XXXX payments. 
I have not received a monthly statement from Ocwen for XXXX and XXXX. So, I have no idea why my checks were not cashed and applied to my account. 
Ocwen is in violation of numerous CFPB rules and regulations. 
I need CFPB assistance in forcing Ocwen to follow the rules and the law. 
Will you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Student loan (Federal student loan servicing) with The CBE Group, Inc. (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: A loan was made with the federal government, sent to CBE collections agency to collect the debt and is now in the stages of harassment. They have called friends and family looking for me. It is to the point of inappropriate and a disgrace as the payment is in full.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (I do not know) with I.C. System, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letterfrom IC Systems on   XXXX     stating that I owed them {$250.00}. I dsputed this debt and send a letter for verification of the alleged debt. I never received a response from them and they inserted a collection account on my credit report on  X/XX/2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. This must be an oversight and would appreciate any help in clearing this up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2016 about Debt collection (Non-federal student loan) with Solomon and Solomon, P.C. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: 1. The Solomon & Solomon send me a letter dated XXXX, XXXX, had been retainedby New Jersey XXXX XXXX XXXX Assistance. Notice of opportunity to contact within 30 daysto dispute the debt and statement they are debt collector. The letter was never sand regular or certified. 
2. I respond on XXXX, In that letter I asked Solomon & Solomon , PC. to validate the date. The letter stated to respond to a specific Notary Public, within 30 days. The leter was send by certified mail and received by Solomon & Solomon, Pc. on XXXX/XXXX/2015. 
3. I also pulled down my credit report and saw that this debt had been charget off. 
4.Solomon & Sollomon garnished pension of the co-signer, on the amount of {$2000.00} with out notifying me as primary creditor. ( This is a felony ). 
5. I was servet withlawsuit on XXXX, XXXX Solomon & Solomon regarding this maner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying on my XXXX XXXX ( now Navient ) Student loan since XX/XX/XXXX at 7.375 % interest and all the payments have gone to interest, my balance remains the same. I still owe {$45000.00}. I am paying $ XXXX per month and they 're telling me it wo n't be paid off till XX/XX/XXXX when I 'm XXXX years old. I can not refinance since I consolidated them many years ago and I think the set up is a total scam. I do n't have enough monthly income to afford a used car and barely have enough for food and regular bills every month. Should a medical emergency or issue befall me, I will be ruined. I can not afford to put much back for retirement so I am looking at working to well in my XXXX. This is outrageous punishment for trying to better myself. I have kept up on my payments and they are just using my payments to line their pockets. I think this loan should be paid off by now considering I 've been paying on it for XXXX years and I believe it should be forgiven at this point. This student loan is such a burden on my quality of life and possibility for retirement. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (GA).
Issue: Deposits and withdrawals

Complaint: At the bigginin of XXXX XX/XX/2015 I opened up a bank account at a company called PayPal. They said they could arrange the processing of my credit card transactions and would divert the money to their own account with the understanding that it was my money and they were only holding it for me as my agent and fiduciary. I deposited around {$2500.00} over the next few weeks. On XXXX XXXX, XX/XX/2015 I attempted to transfer my money out of their account and into my account using ACH. Paypal refused the transfer and told me they have decided to keep my funds and there was nothing I could do about it. I contacted the Georgia Department XXXX and was informed Paypal has no right to operated as an internet bank in Georgia as they have never applied for a banking license. I have since filed a lawsuit in small claims court and learned during my research of Paypal that what has happened to me has happened to thousand 's of individuals across the United States. Paypal routinely seizes money and actually has the chutzpah to claim we have no right to now why. I have also learned that Paypal takes all depositors monies and invests it in anything it chooses to to make interest while paying depositors ( like me ) nothing. This is all fine unless and until Paypal looses all the money investing in XXXX XXXX and we all become unsecured creditors in a bankruptcy proceeding with little to no change off ever receiving anything back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX not accurately and fully reported. 
Original Amount Unknown High Balance Missing Recent Balance Missing Recent Payment Missing CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file.

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 04/25/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Regarding previous complaint #   XXXX  . I received  General Revenue 's   correspondence and it was mailed to the wrong  apt number.  Please mail correspondence to   XXXX   XXXX  . Or better yet, please submit all correspondence through this web portal CFPB. Thus the fake correspondence is a print out of the alleged item that 's on the credit report. It is not an actual contract or agreement- anyone can draw up a fake bill. Per FCRA I am requesting the  Method of Verification.   Please produce the actual contract or agreement with my signature from the alleged creditor. In addition, I need the the person 's Name, Address, and  Telephone numb er who verified this alleged item.

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 01-04-2018 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (RI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've received a notice on my credit report that I 'm 60 days past due on a GM Financial Account. I have never missed a payment ever, and I am not late. This is incorrect. I spoke to a customer service rep 3 weeks ago about this and was told that my account is 100 % paid in full, {$0.00} balance. I need this corrected. If this prevents me from obtaining credit due to their false reporting, I will hire an attorney and seek the maximum amount possible due to the false reporting & statements made by their customer service employees by GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had a student loan serviced by Navient since XX/XX/2000 's. I have tried to make over payments each month to reduce my principal but have had problems even getting Navient to respond to my request in any way. I have included separate letters stating exactly how I wanted my overpayment directed and over the years they have never applied my payments properly as requested. I have written many times and have never even received one single reply as to why my payments were not applied. I want them to go back and apply each payment as I requested and that met their own criteria and all the interest for the amount of amortization that should have occured due to the over payment and adjustments returned to me or applied directly to the principal amount of my loan. I would also like statements including the original loan amounts over the life of my loan mailed to me so I can have my accountants examine these statements. 
XXXX & XXXX XXXX account number XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX ss # XXXX address XXXX XXXX XXXX XXXX XXXX Ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: i would like to know what the XXXX bank of america is doing??? there has been 3 investigators call me and all 3 dont know what the XXXX theyre doing??!!!! they all diassapeared! and i dont want this complaint removed either by the CFPB!!!! LEAVE MY COMPLAINTS ALONE TILL THEY CAN RESPOND!!! AFTER MONTHS AND MONTHS OF COMPLAINTS I HAVE NOT RECEIVED ONE XXXX VALID RESPONSE FROM CRIMINALS OF AMERICA!!!! THERES NO VALID CONTRACT,!! THERES A CLOSED ACCOUNT IN XXXX THAT THEY THREATEN ME TO PAY A BALANCE HAS ALREADY BEEN PAID, AND IF THATS NOT ENOUGH THEY THREATN ME TWICE WITH THEIR XXXX CRIMINAL FRIENDS XXXX!!! NOT CRIMINALS OF AMERICA OPENS UP A CLOSED ACCOUNT AND IS DOING SOMETHING WITH XXXX DOLLARS?? WHAT THE XXXX ARE THEY DOING????? WHERES THEIR SIDE OF THE BOOKEEPING???? WHY CANT THEY ANSWER MY QUESTIONS AND SHOW VALID ANSWERS, WHY DO THEY HAVE XXXX XXXX XXXX CALL ME,???? THESE PEOPLE ARE XXXX XXXX,!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THEY STILL USING FICTITIOUS NAMES TOO, OVER 20 COUNTS OF FELONY IN MY PAST COMPLAINTS AND STILL I HAVE NO RESPONSE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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