milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2016 about Mortgage (Other mortgage) with U.S. BANCORP (NY).
Issue: Loan modification,collection,foreclosure

Complaint: US Bank, as Trustee, sued for foreclosure on my property. I have become informed about the particulars of the role of US Bank and their role as a corporate trustee because the bank has disseminated to the public - statements which specify their duties and role as a Trustee for mortgage loans. To wit, US Bank states as follows, " US Bank, as trustee for thousands of securitization transactions involving many millions of mortgages, is often mentioned in media reports about foreclosures. While trustees are listed on mortgages, and therefore in legal documents as well, as the owner of record, its interest is solely for the benefit of investors. The trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans which is reserved for the servicer. As noted the trustee does not play a role in initiating or managing a foreclosure process and consequently has little, if any information relating to mortgage loan activities including a foreclosure. Depending on the particular trust and pool, the trustee may have very limited information on either the borrower or the property. '' US Bank Corporate Trust Services also states that it " does not initiate, nor has any discretion or authority in the foreclosure process. '' I sent a letter to US Bank Corporate Trust Office, Corporate Trust Services, XXXX XXXX XXXX , XXXX XXXX Minnesota XXXX by way of USPS XXXX XXXX XXXX XXXX XXXX, which was delivered XXXX XXXX, 2015 and XXXX for by G XXXX. The letter asked for confirmation of the public statements made by the Corporate Trustee, in particular, pertaining to their authority ( lack thereof ) in the foreclosure process. I did not receive a 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
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (AL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Talked with a Chase representative in XXXX of 2017 about the mark " Bankruptcy Dismissed '' that is continuing to be reported on my XXXX Credit Report after 10 years. The Chase rep. assured me at that time the matter would be investigated and removed. In XXXX of 2017 I received a latter from Chase dated XXXX XXXX, 2017 stating " We asked the four major credit reporting agencies ( XXXX, XXXX, XXXX and XXXX ) to remove the reference to Chapter XXXX bankruptcy on your credit profile. '' However, XXXX has failed to comply. I have certainly spoken with both a XXXX Rep. and Chase rep. on XX/20/2017 about this matter. Chase instructed me to take this matter up with XXXX and XXXX has instructed me to take this up with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (I do not know) with Security Credit Services, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Security Credit Services continue to attempt to collect a debt that is not mine and place this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with Advanced Resolution Services Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The reason for my complaint is because I have requested for Advanced resolution service to freeze my file on several occasions and they have not frozen or responded to my written request. I need my file frozen ASAP

Company response to consumer: Closed
Consumer complaint received 05-02-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I ordered a credit report from Experian for {$1.00} on XX/XX/XXXX. When I checked my credit card bill on XX/XX/XXXX, I discovered an unexpected charge for {$21.00} from Experian. I contacted the company the same day and was informed by the customer server representative that I was now enrolled in their Experian Credit Tracker program for {$21.00} and that they would not refund the charge. 

The customer service agent informed me that I was sent an email notifying me about the enrollment. I located the email ( in my junk mail folder ). That " notification '' omits any mention of a {$21.00} charge or any other charge whatsoever. 

On returning to the original Experian website, I discovered a difficult-to-read statement in fine print explaining that I would be charged {$21.00} monthly if I did not cancel within seven days. It is hidden away in small, gray type on the gray background of an otherwise brightly colored webpage announcing in enormous type : " '' What 's your FICO ( R ) Score? Find out now when you check your credit report for {$1.00}. '' This page is designed to mislead consumers, and in my case it succeeded. I actually thought I was ordering a credit report for {$1.00}. Silly me. 

It is impossible to cancel a membership in seven days when the consumer does n't know they are being charged for something. Since their own follow-up email does not notify the consumer of the charge, they are left in the dark until after the seven-day period expires. 
I neither requested nor want this so-called membership. 

When I spoke with the consumer service agent, on XX/XX/XXXX, she cancelled the monthly membership but refused to refund the initial {$21.00}. I asked to speaker to her supervisor, who also refused to refund charge. She referred me to an email address, and I sent them a written request the same day. On XX/XX/XXXX, an agent replied in writing again refusing to refund the charge. 

I believe Experian, dba Experian Credit Tracker, is engaged in a classic deceptive business practice. The company has a lengthy history of such practices, as I have since learned, addressed in the Credit Card Act of XX/XX/XXXX. 

I want a refund of {$21.00}, minus the {$1.00} fee they claimed I would be charged. 

Attachments : screenshot of Experian webpage ; " Welcome to Experian Credit Tracker '' email ; Email correspondence with " XXXX '' from Experian Consumer Billing Department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The student loan company refused to allow income based repayments while in school. Furthermore they failed to adhere to proper income based repayment structuring. The company continually improperly advised the student such that they would collect the maximum interest thereby making it impossible to payoff. Finally they have reported the loans in delinquent status while on automatic payments are being bade and are in full compliance. With approximately 7 % interest on the loans the interest alone is {$25000.00} a year which is compounding into the principle is increasing yearly.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Debt collection (Medical) with Collection Bureau Incorporated (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection Bureau Inc. Is reporting a collection account that does not belong to me on my XXXX Credit report. Shows on report for Collection Bureau INC. & XXXX This Collection Account is Damaging my credit. 

I sent Collection Bureau INC. a letter ( attached : original letter ) asking them to verify the debt within 5 days. ( Certified mail tracking # XXXX ). They have not Verified the debt Which they are required by law ( FCRA ) to verify a debt in which a consumer asks to verify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/28/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Sale of account

Complaint: I am so displeased with this company care creditXXXX. Learned that care credit is not for everybody. Care credit has deceptive credit card marketing and sales. I have an active care credit account with this company. When signing up for the care credit, health care representative signing my mother and I up never explained about how care credit works nor told us about the reoccurring monthly interest that would be happening after promotional period had ended. My mother and I was not informed that care credit is in fact a credit card and never received our enrollment paperwork from this company when first signed up. The representatives told us this was the only option to pay for our expenses at the emergency XXXX hospital. Pressuring vulnerable, naive and helpless individuals at the time of need to sign up with care credit because it 's there only option is not right. The health care receptionist only relied on the pamphlets and did n't seem trained upon care credit procedures and policies. I have contacted Care credit on numerous occasions about this to only get no real help at all from customer service and management. 

Care credits late fee policy is flawed in many ways as well. Even when you send in a post dated payment with this company they will not go by post date, but whenever they choose to look at the mail will be the date posted to the account. This can be very misleading for clients when sending in payments because its not our fault that mail carrier methods can be delayed at times. I had to contact the company XXXX about this matter to only resolve the issue by the manager about the late fees occurred during those times that it was mailed before due date and was posted after due date to only receive a late fee without knowing. The managers waived those late fees that occurred and I have never been late since then. 

I have even did research on the credit card company Care CreditXXXX and I have found that my situation is happening all over and has happened to many in the past. Why do care credit keep doing this to there customers. I have also become a victim of care credit deceptive ways and poor trained staff upon enrollment process at the time. If I was to have known that this companies ethics was like this I would of avoided it at all cost. The way I have been bamboozled to borrow money from this company is not right. It 's a shame that I feel stuck with a company like this that has many deceptive ways. Why does most car loan companies only charge you a XXXX time interest fee upon your borrowed amount, but care credit choices to charge you over 25 % interest every reoccurring month ridiculous scheme.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have student loans I can not pay back

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was a victim of fraud, I ask XXXX to fix the situation and was denied on multiple occasions. I asked XXXX who has been reporting this on my credit account for about 12 years now to stop. I asked for the original instrument of indebtedness in its original form and did not receive a response within the 30 days. I was then sent an altered document which did n't even has my proper social security number, not the original document I asked for in its original form. I contacted the three credit reporting agencies and pleaded with them to stop and they kept on reporting the negative inquiries on my credit which has affected me throughout the years. please help 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 explanation
Consumer complaint received 09/18/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: XX/XX/XXXX, I had a jpmorgan account at chase, and I had to pay off a balance of XXXX. Which I paid it off in year of XXXX. So the manager that was filling in for another manager checked and said I paid it in XX/XX/XXXX, and he called and they alouded me to be added on to my moms account. Also when I went in to open the college account a banker said it wo n't let me because there was a balance of XXXX I had to pay again, after I paid it in XX/XX/XXXX.  The banker called the 1-800 number and one of the ladies said, I will be able to open and use an account in my name once I pay that balance again. So then, I opened a college account in my name and had the card they sent me for my moms account linked to my college account. Basically removing myself off my moms account, which they broke their rule of chase, " the owner of the account has to be present when removing another person from the account the two have to sign paper work so that you can be removed '' so my mom is in XXXX  and I 'm in XXXX. After they changed me to my college account a couple days later it said account was suspended. So they took my money twice and canceled my account. I have receipts from when I paid it on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX XXXX, 2017, due to a error with a balance transfer I ended up paying the total balance owed twice resulting in a credit of {$9000.00}. After an interest charge, my final credit on my card was {$8900.00}. I contacted Citi Bank on XX/XX/XXXX, and requested that the credit be returned to my checking account. I was advised that this would take 3 to 5 business days. By XX/XX/XXXX, the money had still not been transferred. I again spoke to Citi who this time advised me that this would take 7 to 10 business days because the credit balance exceeded {$1000.00}. I would like to understand why Citi bank is allowed to sit on my money and why I was misinformed as to when they would return my money. My frustration is exacerbated by the fact that they had the credit balance for 7 days prior to me calling on the XX/XX/XXXX. If I am late by an hour, I am charged a late fee immediately. I do n't understand how they can keep almost {$9000.00} of my money for over 2 weeks.

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 05-12-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: I made a deposit to my Chase Liquid Account from my XXXX XXXX. I Made the deposit XXXX XXXX, 2015 my XXXX XXXX Paid thesame day, fund were taken out of my XXXX account XXXX XXXX, I verifiedWith XXXX and they advised me the Chase had received the fundsXXXX XXXX, 2015. My ATM deposit receipt there XXXX be a delay in theavailability of these funds until XXXX XXXX, 2015. Chase had recived funds fromCitbank the same day I made my deposit but still XXXX days to give me credit formy deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian is hanging onto old accounts that should have been allowed to fall off. They are still posting.

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 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have requested the below-listed problems be fixed several times. The Credit agencies and letters and telephone calls in vein to the Company reporting the trademarks in error. Every trademark being reported has errors listed, The most serious, is XXXX, and XXXX XXXX XXXX, XXXX. They are reported as being in collections, payment status is still listed incorrectly today. The Trademarks have been paid in settlement and paid in full, XX/2015, respectively. See Attched documents : There are XXXX more Trademarks with issues listed on each Credit report. <P/>ENCL 1 : Disputed items ENCL 2 : Copy of how I want item fixed ENCL 3 : Letter, Payment etc. Bach-up documents for my claim

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 08/14/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I chose the option saying that the transaction was not authorized, but that is not accurate. The transaction was authorized, but they have a full refund policy that they repeatedly promise to honor but never do. 
On XX/XX/XXXX there is a charge of {$29.00} for the design of a logo on my account. After a few days, I called the company to ask for a refund and succumbed to an up-sale. I was told that for {$300.00} they would design a logo and build a website. On XX/XX/XXXX XXXX charged {$270.00}. After some back and forth and complaints about customer service, the logo was never completed and the website was never started. On XX/XX/XXXX I emailed the rep at XXXX asking for a refund. I was told that I would eventually get it, but after eight months, constant emails back and forth, and even an attempt to have my bank file a claim, I am still waiting for my refund. Service was never delivered and I want my {$290.00} back. Please help me. Thank you.

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 04/29/2016 about Debt collection (Medical) with Consumer Adjustment Company Incorporated (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Caci has been calling me, sent me a bill, and also put a collection on my credit report. All of this after I told them on the phone the debt was paid in full to the original creditor. I also called the original creditor to verify again this was paid in full. I was told yes and that they had already told Caci this was paid and to stop collection. Caci has not stopped and has put a collection on my credit. When I called Caci and spoke to XXXX, no one could tell me why it was put on my credit. And I would get an email in 3 days saying it was paid. I still do not understand why this put on my credit when it was paid in full.

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 04-08-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: Bank of America commits felony by using fictitious names, see the federal law, USC violation prima facie evidence!!! FELONY CRIMINALS!!!!! NOW YOU MUST PROVIDE A VALID RESPONSE AND STOP REPLYING WITH YOUR XXXX!!! YOU NO GOOD XXXX!! 
NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 
As XXXX 's Law Dictionary explains, the full capitalization of the letters of one 's natural name, results in a diminishing or complete loss of legal or citizenship status, wherein one actually becomes a slave or an item of inventory. The method, by which the State causes a natural person to " volunteer '' himself into slavery, is through forming legal joinder, implied or stated, with the entity or legal fiction ( name all CAPS ). Of course, most natural persons would n't willingly form such an unlawful but legally reductionist joinder, so trickery and obfuscation are used ; and this starts when our birth certificates are created. 
[ The initial joinder is formed when a legal Birth Certificate is issued by the State, name in all CAPS. In fact, both the Certificate of Birth AND Social Security number, are for " inventory '' control purposes, similar to the XXXX XXXX 's manifest or those numbers or records used by legal entities or Corporations to track, account for, use and dispose of inventory. ] Bank of America does not provide full disclosure on their " contracts for life '' and they fail to show clarity and validity of applicable terms to perform under their rules, wat is shown is presumptions and proven criminal willful intent to defraud and steal and lie, just the tactits they use to XXXX people on mortagages and steal houses that already been paid for multiple times. These are professional criminals and they do get caught and just pay settlements, but just XXXX more people to make up for it. Very sad they arent shut down. 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