milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: Some inquiries were removed from my report for approximately a month and reappeared without warning. My concern is if they removed why put them back? I called wrote to transunion, I received a letter stating to call the creditors. I then called them and they removed  1 an d told me they could not remove the others.     Inquires are as follows :   XXXX   XXXX    XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  The one they removed was   XXXX    XXXX   XXXX ,   XXXX   I was told by the individual I spoke to when I asked what caused the removal in the first place ; That there was a glitch in the system. she agreed that they were removed and were place back, yet I have to call the creditors. I did not have written notice that they would reappear. This is a violation of the law in-spite of what caused it. My rights were violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There  are two addresses on my report that I have never resided at and do n't know how they got on my report. The two ad dresses that are incorrect and should not appear are the following :  XXXX   XXXX   XXXX   XXXX , GA.  XXXX   XXXX   XXXX   XXXX   XXXX , VA.  XXXX  I ask the the above addresses be removed from my report because they are incorrect and I have never resided at eit her one and never used these addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had questions about incorrect information I found on the National Student Loan Data System. I called my servicer, Fed Loan Servicing. The woman I spoke with told me that Fed Loan owned my loan, as opposed to merely serviced it, and that Fed Loan did not report any payments to FSA, only credit reporting agencies. I knew this was incorrect information. I asked for a supervisor and was transferred to AES. They sent me back to Fed Loan where I talked to a woman who kept interrupting me and would not let me ask any questions about my NSLDS information. She kept saying my question was about PSLF, but it was n't. I was trying to ask about my repayment history. I was not allowed to ask her any questions, I kept being cutoff mid-sentence. She refused to open up my NSLDS information and look at it with me on the phone. Finally, I let her transfer me to the division that dealt with PSLF. The man on the line told me I was at the " escalation department '' and was able to tell me that after a repayment review ( 90 days ) my information should be updated on NSLDS. This was a fairly simple answer to give, I have no idea why I had to go through all of these steps to get it. 

This whole thing took an hour. I got bad information, received rather XXXX customer service from one representative ( to put it politely ), was transferred three times, talked to four representatives, and was referred to AES -- which does not service the Federal Direct Loans I have. Overall this was a rather stark experience. I have no idea how people without a preexisting understanding of Federal Student Aid programs manage to get any accurate understanding/information about their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. I plan to take legal action but I want to create a paper trail. 

The items are as follows : ACCOUNTS XXXX/XXXX XXXX not mine COLLECTIONS XXXX {$920.00} not mine XXXX XXXX XXXX {$1800.00} not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (I do not know) with Monarch Recovery Holdings, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Getting phone calls from Monarch Recovery everyday. Ask them to remove and no longer call. This is not my debt. They call for a person that did not live here. We have been in our house since 2005. They keep calling. They say they will remove our number, but never do. 

( from number 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 04-03-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Hello, I have a student loan with Great Lakes. During XX/XX/XXXX I was a graduate student, at least half time. I submitted to Great Lakes the information required by them to update my status as student and defer interest payment on my loan. I have been a student at least half time since XXXX XXXX, all through XX/XX/XXXX. The statements I receive form them and the account detail listed on the website does not provide sufficient information to follow the payments how are applied to interest and to principal. However, my XXXX reflects {$220.00} received in interest payments for XX/XX/XXXX from me. This is not correct, it should be XXXX. Great Lakes had all the information they required form me to stop the interest charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX  My Mortgage was refinanced by Wells Fargo Home Mortgage five years ago.
XXXX.  I make my payments at the bank branch which was opened close to my home.
XXXX  The bank receives the payment but sometimes the payments are not applied immediately to my mortgage account.  
XXXX  My bank on which my check is drawn pays Wells Fargo Home Mortgage the check on the same day that it is presented.
XXXX  Although the Mortgage Note states that I can pay by the XXXX of the month without incurring late charges, I have multiple late charges posted to my account;  even though I have made only XXXX late payment.
 XXXX.  One month I could not make payment at the regular scheduled time.  Payment was made XXXX of that month.
XXXX  I have asked Wells Fargo Home Mortgage to waive the late charges that were caused due to their banking system's posting of my payments.
XXXX.  I have through several telephone calls requested that the late fees be waived.
I want to also state that the paper on which Wells Fargo Bank prints its receipt for payments received is either light or heat sensitive because after time has elapsed, the ink fades.  This affects how the customer can validate the statement which shows the bank being in receipt of the funds, but said funds not posted to the mortgage account.  Hence incurring late fees unnecessarily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Bank account or service (Checking account) with NETSPEND CORPORATION (LA).
Issue: Using a debit or ATM card

Complaint: I 've been with NetSpend, a XXXX entity since 2005. On XXXX, I contacted the bank to let them know that someone actually may have stolen my card number as my card was used XXXX when I clearly live XXXX. Customer asked that I provide them with a confirmation email about the dispute in which I sent from my personal email address and within the banks, website. I received word of my submission and they asked that I give them 14 days. On the XXXX day, I called after received notice that I did not provide documentation. They stated that they wanted me to send again, which I did while on hold along with their receipt however I asked to speak with a supervisor XXXX and was on hold for almost 2 hours. When the supervisor did come on to the line, she stated that she would have to call investigate the investigation department and then would get back to as she did not show any documentations from XXXX nor fron when I was on the phone today. I simply want my money back when its clear that I did n't do this. I have since destroyed the card and had to wait a week for a new card. Now, as of today, they are stating that the investigation will not be completed until XXXX XXXX. I do not think is is acceptable when I provided everything that they needed on the same day. If your bureau can be of any help or better yet, just get the word out that this is happening at this company, I would appreciate it. 
Sincerely, 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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Report reflects as XXXX XXXX XXXX as 30-60 days late numerous times. Never late.

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. (CA).
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: Attention : Credit Bureau Disputes Department Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: I disputed a XXXX account that is showing on my credit report. after disputing with the collections agency they informed me that they have ceased collection and has notified the credit bureau. well the credit bureau is still reporting this unverified/ unproven negative account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have attached proof that i have requested that XXXX XXXX XXXX XXXX provide information to me that this is in fact my debt. I have not received a response. I have contacted them via certified mail. Attached you will find the original letter asking for the debt verification and the certified mail receipt. I would like this information removed from any and all credit bureau agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service ((CD) Certificate of deposit) with TD BANK US HOLDING COMPANY (DE).
Issue: Account opening, closing, or management

Complaint: Attached please find copies of old CD that TD bank refuses to pay. 
According to the record " required distribution is XX/XX/XXXX '' I moved at the time XX/XX/XXXX and now discovered CD statement are not forwarded but sent back to the bank. I lost track of them until I cleanned out my safty deposit box the bank refuses to pay me when i went to withdraw

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Account opening, closing, or management

Complaint: My bank is PNC in Virginia. Back in XXXX I had fraud activity so I went immediately to the bank closed that account and opened a new one. I was assured several times from the bank manager once the account has refunded my money the account would be closed. I have a loan which I was also assured was moved to the new account. None of that was done. I have had overdraft fees and late fees do to all this. Most recently for some reason the loan withdraws out the account that was supposed to be closed months ago. I called the branch and left several messaged for the the manager to call me back. She never did. I went to another branch and spoke to manager there that said everything was taken care of which it was. Now a week later money was taken out of my account that I am now fighting to get back. I called early this week and I was assured my money would be refunded. It has yet happened. I call again speak to someone else and I 'm hearing from this person nothing was done earlier this week. I have currently a personal loan and car loan. I will be refinancing my house in order to pay these loans and will be closing my account with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX . is saying that I owe {$250.00} for a hospital bill. I have no outstanding bills with this hospital or  XXXX   XXXX   XXXX   XXXX  . This was not me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
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: XXXX , Equifax and  XXXX  have just added  XXXX  " 90 day late '' marks on my credit report for my closed and paid off   XXXX   credit card. I paid this account off a couple of months ago so I do n't understand why there are new late marks when there is n't even a balance on the account. The account number on my credit report is "  XXXX  ''. How is this possible? How can I be late on an account that has been reporting as paid for months? I am including a screenshot of a   XXXX   XXXX     report and another screenshot of a   XXXX   XXXX   report for comparison. I have highlighted the information that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (I do not know) with National Bond And Collection Associates, Inc. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: i ( XXXX XXXX ) recieved a letter from XXXX XXXX XXXX XXXX telling me to make a payment of {$1200.00} for a debt that they bought from XXXX XXXX XXXX XXXX. But as i explained to XXXX XXXX XXXX XXXX that i never took anything worth that in no service. What service i did recieve from XXXX XXXX XXXX was paid for in full. i asked to submit any proof of any agreement that i have sign and non is provided but yet XXXX XXXX XXXX XXXX submitted this claim to XXXX without proof and XXXX put it in my credit report without any questions. 
i would like for your office to investigate this matter in a neutrel party please.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Checking or savings account (Checking account) with BANK OF THE WEST (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XX/XX/2018, I opened an account with Bank of the West through an online promotion they have advertised. The promotion is for {$150.00} when opening an any deposit checking account and making a direct deposit of $ 250+ and/or 10 debit card transactions for two months. After successfully opening the account on XX/XX/18, providing SSN, personal information, details, I was happy to have been approved for the account, assigned a Checking Account Number and Routing number. To my surprise, Bank of the West sent me a letter explaining that they would be closing my account due to credit reporting agency. The letter stated that they have closed my account due to Credit Reporting Agency and that they have determined I am not eligible for the account. This is concerning on many levels. Bank of the West collected my information, checked my credit, obtained my SSN, opened my account, checked my eligibility issued an account number, allowed me to create an ACH relationship with another bank, accepted deposits/transfers and then wants to close my account now after continuous activity. Simply unacceptable. 

This is an unacceptable banking practice and I do not believe this is appropriate considering Bank of the West 's initial application approval and subsequent closure WEEKS later. As a result of this closure, I am also ineligible for the account bonus as promised in terms and conditions.

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 05/26/2016 about Credit card () with SUNTRUST BANKS, INC. (SC).
Issue: Transaction issue

Complaint: I opened a credit card with Suntrust Bank. We agreed on a {$2900.00} transfer to my old credit card to clear that balance. However, they made the transfer twice. They did agree to credit me the second {$87.00} transfer fee but will not credit my account for the extra {$2900.00}. They said they ca n't retrieve it so I am responsible for the balance. They suggest I track down and try and retrieve this money and pay the bill.

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 10/19/2016 about Mortgage (Other mortgage) with WESTSTAR MORTGAGE CORPORATION (AK).
Issue: Settlement process and costs

Complaint: West Star Mortgage Company did not correctly apply my payment they received and will not correct the problem. I 've supplied West Star a copy of the cashed money order verifying that they deposited the money. They wrote me a letter stating that they will not correct the problem with out the wrong lender whom they have paid returning the money.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: Equifax has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have tried on numerous occasions to get an account that was charged off in 1994 removed from my report and Equifax refuses to remove it. XXXX has, XXXX has. 
The original account with XXXX was from 1994 and it has been sold, and resold to collection agencies over 22 years. Equifax is using the date of the last " sell '' to a collection agency as the date I originated the loan with XXXX. After several online attempts as well as phone calls directly to Equifax they will NOT remove it. It is with XXXX XXXX who is already being against in a Class Action Law suit for harassing folks via their cell phones to try to get money. I am at my wits end yet nothing changes and they just say " it will remain on your credit until the last collection agency has had it 7 Yrs!!

Company response to consumer: Closed with explanation