milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: On XXXX XXXX, 2016, I filed an application to enroll in the REPAYE payment plan. On the same day, I delivered all of the necessary supplemental materials, including proof of income, to Nelnet, the student loan servicer, through the document submission email address provided on their website, XXXXXXXXXXXX. 

On XXXX XXXX, 2016, I received correspondence with the subject line " We 've received your income-driven repayment plan application '' from Nelnet confirming that they had received my application. 

On XXXX XXXX, 2016, I received correspondence with the subject line " Your request has been received '' from Nelnet confirming that my application was received and being reviewed. Within this email, Nelnet stated " You will receive additional communication from us regarding your request within 7 to 10 days. '' No further correspondence was received within the promised 7 to 10 days. Multiple phone calls to Nelnet were unable to update the status of my application or why I had not received further correspondence within the allotted time period. 

A further call had to be placed on XXXX XXXX, well after the specified period of time, and a representative was able to check my application 's status, notifying me that it was still not processed. The processing and notice was not completed until XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (I do not know) with Lockhart, Morris & Montgomery Inc. (VT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A lady called supposedly from Lockhart, Morris, & Montgomery from the telephone number XXXX. First of the time of the call was after XXXX when the website states that the office hours given by the website are only until XXXX. She refused to give her name and was looking for my deceased mothers information. She asked my father who was on the phone with her to send her a death certificate. My father said he wanted a letter stating the type of debt and the original creditor along with a request for a death certificate to be sent via mail. She argued with him insisting that he take down an address to mail the death certificate to her. He then said he was going to put me on the phone so I could discuss this matter with her. When I got on the phone I asked that she send us a letter confirming the source of the debt and how much it was totaling as well as a request for a death certificate and that only then would I send her a death certificate for my mother after reviewing the request with an attorney. She refused and started to argue with me saying I did not have permission to talk with her about it and that my father only gave her permission to give me the address to send a death certificate too. After arguing with her for about two minutes I hung up on her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (Credit card) with Bleier & Cox APC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: BLEIER & COX APC is misrepresenting and falsely claiming that they were retained by XXXX XXXX to collect a debt owed by me to XXXX XXXX. This law firm has been threatening to contact my job to garnish my pay. The fact of the matter is that this debt was paid in full and the statues of limitations to legally collect anything had long expired. They have sent me letters indicating that it is a court document which is false. The document/letters they sent me has no official stamp of authentication from the superior court of california. I have attached such a letter from this law firm. The firm is also claiming to be a law firm, but my investigation has determined that it is a paralegal firm using an attorney 's name. I want them to cease and desist. My option is a counter suit for violations committed. Have seek the counsel of an attorney who sues for violations of the FDCA they indicated that I have a very good case.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed that XXXX was a fraudulent account due to the fact, due the fact of me filing a police report stating I was a victim of identity thief. This account was removed from my credit once but since then it 's back on my credit file and reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Bank account or service (Checking account) with PNC Bank N.A. (CA).
Issue: Account opening, closing, or management

Complaint: My mother passed away in her sleep, in her apartment in XXXX, IL, XXXX XXXX on XXXX XXXX, 2016. Her soon to be ex husband, who is on XXXX in Florida, is on XXXX filed for legal and financial separation after she left him about a year earlier. The decree was to be finalized towards the XX/XX/XXXX. He has no money and could not have done anything concerning the arrangements. She has a sister there ( XXXX XXXX ) who was trying to deal with everything although she has no money either. There remains only my sister and I. I being the eldest I stepped in for my Aunt 's sake. I paid for everything, the cremation, memorial, etc. I paid for my flight there and my stay there to try to take care of things. I also had to pick up the car, pay it off and drive it back to XXXX from Illinois. What remains to be resolved is the small checking account at PNC bank. In there is {$2700.00}. Social Security removed about {$XXXX} which they had just sent her so now there is the {$2700.00} left. Social Security removed this after I let them know that she passed away. I informed everyone, having the death certificates and providing them, that my mother passed away. I was originally told by PNC while I was there that I could hand write and notarize a document declaring that I will be handling her affairs as she left nothing, no instructions, will, POA ( except for what to do with her remains ). Someone else was supposed to have taken care of her remains ( POA ) but they did not, so it was left to me. My sister does not want to be involved although I have included her anyway. So PNC has told me that they need documents stating that they can send me a check for the balance of her account. They also told me the death certificate and the hand written notarize letter which they told me to produce would not resolve this. I spoke with many people at PNC to try to resolve this. So after several phone calls to the State of Illinois and OCC, I have been referred to you folks. I am hoping that you can help. They ( PNC ) told me they will hold on to the money for 4 or 5 years before releasing it to the state. It is not their money and it is easy to prove that I and my sister are her remaining, living children. Obtaining a lawyer would take much of the money so it would only add to the frustration. Filing a Small Estate Claim requires that I be responsible for her outstanding Credit Card debt. Not an attractive idea. I have not contacted any of the CC companies. There are no PNC branches out here in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Prepaid card (General purpose card) with U.S. BANCORP (WA).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased 2 {$200.00} Mastercard gift cards from XXXX on XX/XX/2016. When I attempted to use the cards a few weeks later, I found one had {$45.00} left and the other {$35.00}. So on one card there is a fraudulent charge of {$150.00} and on the other, {$160.00}. 

I called US Bank 's fraud hotline in XX/XX/2016 and they sent me new cards with the current balances on it and told me I would get the fraudulent amount credited back with in 4 weeks. Since then, I still have not gotten the fraudulent amounts refunded back to me and US Bank refuses to help.

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 04-10-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Trouble during payment process

Complaint: To Federal Trade Commission We live in the state of Florida which was hit by Hurricane Irma last XX/XX/XXXX. XXXX XXXX owns our mortgage, and XXXX XXXX XXXX, XXXX is debt collector in charge of processing payments. Due to the impact of the Hurricane Irma, XXXX XXXX   gave us a 6 months mortgage relief option to with a due date as of XX/XX/XXXX. This mortgage forbearance agreement provided customers with the option of making partial payments, and we the debtors were able to make partial payments from XX/XX/XXXX to XX/XX/XXXX. We made {$480.00} partial payments every month, which equals to {$2800.00}. Our mortgage payments are up to date but Ditech have the wrong amount on their website. 

Breakdown of Payments made to Ditech Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Check XXXX XX/XX/XXXX {$480.00} Payments made in XX/XX/XXXX Electronic Payment XX/XX/XXXX {$3000.00} Electronic Payment XX/XX/XXXX {$1200.00} Electronic Payment XX/XX/XXXX {$1500.00} Total amount paid to Ditech by XX/XX/XXXX {$8600.00} Please see below all payments made to Ditech Financial LCC Still today Ditech Financial has been unable to bring our mortgage account up to date. We have used all forms of communication with Ditech, phone calls, and electronic media, and Ditech has not corrected their accounting errors in their computer system, we have requested in writing that our account be reviewed and our payments correctly be applied to the amount due. If you have any questions, feel free to contact us at XXXX or XXXX. 

Thanks, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2015 about Student loan (Non-federal student loan) with Genesis Lending (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My school is XXXX and is located in XXXX, Illinois when I first called into XXXX they were so anxious to get me in. So the XXXX day I came in my guidance counselor told me that no matter what I will be able to get a job anywhere and if I decided to go to another school that I will be able to transfer my credits. At this moment in time I had told him that I was pregnant. He told me that was fine and that I would be able to get maternity leave and I will be able to finish my schooling. He also called me at very late times and early times to, everyday it was getting annoying, saying that he was making sure I was going to school. So I did my 6 months and I was already 8 months pregnant XXXX my teacher also knew this they insisted I stay my whole semester, I also had doctors visits frequently so I was ready to do my maternity leave. I did try to come back I could n't because I was told that they were closing shutting down. I talked to the president of the XXXX, IL campus and she told me that I would be able to come back they are just renovating. I 'm a mother of XXXX XXXX I was really hoping on finishing the goal I had set for my family, and they ruined that for me. The main thing was also telling me that my credits were transferable and no collages take them or accredited schools take them. I 'm so disappointed from the debt to the teachers and how they run their system. I Ca n't pay the student loans they are asking me for especially when they lied, cheated, and made false promises off my dreams.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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 disputed these couple cards a few times and for the life of me I do not understand while they 're still showing up on my credit report was a victim of identity theft it 's been reported to the police department it 's been reported to all of the bank and except for these three accounts I have good credit even though I 've asked you before you never tell me what exactly it is you need from me to get these accounts removed it 's called identity theft for a reason of course a lot of the information is going to match mine if it did n't it would n't be called identity theft to me this seems very simple but for some reason experience is having a difficult time with these three accounts and getting them removed from my credit report what is it that you need for me to prove that I did not open these three account did not use these three accounts had nothing to do with these three account? If you could answer that question maybe we could actually resolve this because you keep sending the dispute  to the bank and they say oh yeah it 's the same name and date of birth and so on of course it is this is why it 's called identity theft of course the information is going to be very similar this is how it ended up on my credit report this is how they were able to open the accounts to begin with. 

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX and # XXXX These three accounts do not belong to me how do I prove this to you? Please answer my question. 

There are also 2 inquiries to look at my credit report they do not belong to me 1 XXXX cards just happened a few days ago again not me there 's another one for XXXX XXXX XXXX XXXX clearly I 'm still having issues do you have a fraud alert on my account?

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 03/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: A short while after opening the XXXX account, I called ( unfortunately I didn't write down the female 's name or the date ). I did not understand how the payments posted if you have delayed interest along with regular purchases, so I called for an explanation so I would not have to pay the interest in the special financing purchase.. What I was told after calling on XX/XX/28 and speaking with XXXX regarding the interest of {$350.00} posting to the account and what I was told previously did not match. I know that some representatives explain information different/incorrectly at times, but if they sound confident, like the representative I spoke with on the first call, I usually don't make a second call to verify information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Medical debt) with Carter Business Service, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This " debt '' is regarding a simple XXXX performed by a doctor in XXXX on XX/XX/XXXX. The test usually cost between {$200.00} and {$400.00} ( market rate ) and with an insurance plan discounts it usually costs between {$100.00} to {$150.00}. This doctor billed {$2900.00} for the simple test which was reduced to {$1900.00} with plan discounts, but still a mysteriously large bill. I asked for details and was stonewalled, but eventually after a lot of calls and paperwork got the itemized bill. The doctor billed it through XXXX XXXX XXXX as a hospital visit, even though it was an ordinary office visit. Moreover, duplicated charges by the doctor, the hospital, and another doctor were billed for the same items ( billing codes ). 
I paid both the doctor 's bill promptly, but I disputed the hospital bill because it simply was not a hospital visit. The hospital refused to acknowledge the dispute and simply started sending me the same bill repetedly, threatening to turn it over to collections. I asked detailed questions on how they coud charge ten times what it normally costs. I was again stonewalled. The bill was turned over in XX/XX/XXXX to a debt collection agency, XXXX XXXX XXXX in Massachusetts that specializes in medical debt. 

I am flabbergasted as to how a hospital can simply send a massive bill and then turn it over to collections despite an outstanding dispute.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 XXXX ( XXXX ) tax liens listed on my credit file ( XXXX ) with XXXX and Equifax that DO NOT MEET the Enhanced Phase XXXX ( PII ) Personally Identifiable Information standards for XXXX XXXX XXXX. These PII standards as outlined by XXXX and available publicly on the CRA 's websites, specifically XXXX XXXX own site states that XXXX XXXX MUST Include : Full Name, Address, Social Security Number and/or Date of Birth. I have filed disputes with both XXXX XXXX Equifax and included documentation showing that these tax liens do not meet the PII standards and must be removed immediately from my files with them. The disputes came back as " XXXX ''??? The " Official '' Copies of the tax liens : DO NOT provide my FULL NAME, DO NOT provide my FULL SOCIAL SECURITY NUMBER, DO NOT provide A CORRECT ADDRESS and DO NOT provide my DATE OF BIRTH. Since the records DO NOT PROVIDE THIS DATA they must be removed from my credit file ( XXXX ) with XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom this may concern, I am a victim of identity theft and I have previously reported this to Chexsystems, the FTC, Local Police, the CFPB, and others - however - despite multiple attempts to contact Chexsystems I have not gotten a response from Chexsystems and negative known to be false information continues to appear on my report. However, whats worse is that Chexsystems has failed to following the rights, as explained on Chexsystems ' own website here : https : XXXX? MOD=AJPERES Specifically, at least the following violations have occurred : 1. ) Chexsystems has not initiated an investigation into my disputes and continues to request unnecessary information as an excuse for not investigating. 
2. ) Chexsystems has not provided me with a copy of my credit file in or provided me with a response to a dispute within the allotted time. 
3. ) Chexsystems has not included my " brief statement '' on file, meaning I am being denied my rights to dispute information that Chexsystems has failed to remove or properly investigate. 
4. ) Chexsystems has not resend my file to financial institutions who previously obtained a consumer file with disputed and known to be false information. 
5. ) More generally, Chexsystems has given me the " run around '' and has refused to assist in the understanding, disputing, or management of their consumer files. 

Given this situation, I am requesting Chexsystems promptly remove all previously disputed information and send a response via registered or tracked mail to XXXX, XXXX, California, XXXX, XXXX. I have experienced missing mail, which is also in my previous complaints to Chexsystems and thereby believe this requires the use of tracked or registered post to avoid the sensitive information from getting stolen and to confirm delivery. 

Should you have any questions or concerns, please contact me at XXXX or via mail to the address above.

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 08/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I opened a new account XX/XX/2016 on a Saturday with Bank of America. The account representative used misinformation to fraudulently and deceptively sale me the idea of opening the account that day. At the time of the {$10000.00} deposit I inquired about the availability of the funds then asked if there would be ANY funds made available. She told me not to worry because {$200.00} would be made available to me that same day after I mentioned that I needed to pay a credit card bill and provide an earnest down payment to a personal seller of a vehicle that I desired to purchase. The arrangement for a small cash payment would be a security deposit while the remainder of the funds cleared. I told the account representative who opened the account that I would just open the account at XXXX XXXX if there would be an issue with providing at least {$200.00} that same day. She again told me not to worry then escorted me to the teller to complete the processing activation of the temporary debit card. The teller then restated that the {$200.00} would be made available the same day on XXXX XXXX that Saturday. To my shocking surprise, I was not able to make a withdrawal until the following Tuesday XXXX XXXX. Unacceptable. I doubt Bank of America makes it a point to train employees to blatantly lie in order to open new accounts with {$10000.00} check deposits. 

I suffered an XXXX due to the fraudulent and deceptive unfair trade practice. I have a XXXX of XXXX & XXXX XXXX XXXX. My symptoms were aggravated as a result of the misinformation causing personal injury.

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 04/27/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: The bank has charged me $  XXXX  /day and  sometimes $  XXXX  /day for  each day my account is negative while I was out of town and could n't deposit into the account to bring it out of the negative. I went to the bank explaining to them the reason for the initial over-draft and the reason for not bringing my account to current. Yet the bank refuses to refund the over-d raft. Currently PNC has  charged me over {$240.00} in overdraft fees within a month for only one overdraft. This is ridiculous!

Company response to consumer: Closed with monetary relief