milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have had to purchase reports to attempt to fix inaccuracies in my report. I keep trying to dispute things and getting timed out and then eventually locked out.

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 09-07-2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (CT).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX 2016 my checking account with Santander Bank had a XXXX cent deposit from XXXX. A few days later, XXXX withdrew {$38.00} from my account using a fraudulent draft check. I went to the bank and filed a complaint and signed an affadavit. After repeated calls to customer service I was told to go back to the bank and file an adjustment claim, which I did. Now it is XXXX and I still have not had the money put back in 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
Consumer complaint received 09-05-2016 about Bank account or service ((CD) Certificate of deposit) with TRUSTMARK CORPORATION (LA).
Issue: Deposits and withdrawals

Complaint: Our complaint is about Trustmark Bank, XXXX XXXX Our parents created a living trust several years ago ; our mother passed away 4 1/2 years ago, then our father suffered a XXXX approximately 1 year ago and passed away a couple of weeks ago. The provisions of the trust allowed my brother and me to make all financial decisions ( power of attorney while he lived, co-trustees after his death ). Trustmark Bank has refused us access to the money which he had saved over many years, specifically saved to take care of him. They said " we do not accept '' trust documents. Documents which were notarized and filed with the court. 
We are fortunate that we had other financial resources and were able to care for him until his death. We went to the Trustmark branch in XXXX, XXXX after his XXXX approximately one year ago and received nothing but contempt, even though the terms of the trust allowed us to make decisions upon his incapacity. They acted like we were trying to steal his money -- highly insulting. We decided not to sue them since the amount of money was not significant. After his death my brother and I went to the same branch and received the same -- give us the trust documents ( which we have now submitted 4 times ). The lady refused to look at the trust documents, saying she had to get a ruling from " Legal ''. Note that the bank accepted his deposits under the terms of the trust, which were submitted at the time of account opening. 
When asked for a time frame, she said it might be several days or several weeks. Although we were fortunate to have financial resources to care for our father, now deceased, we are concerned about others who may not. We recommend a full investigation of all trust accounts accepted by Trustmark over the past 20 years. This is not an isolated incident ; I discussed our estate settlement with a friend who also said that Trustmark was the largest obstacle to settling his family 's estate.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX : CREDIT COMPLAINT LETTER To Whom It May Concern : I received a copy of my credit report and am disputing information concerning my payment history. Accordingly, I am requesting that you investigate my dispute and add the attached history ofpayments to my credit file under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ]. Please check the following accounts again accuracy. These accounts were removed from my credit report on the following months. XXXX XXXX removed from XX/XX/XXXX ( 30 day late removed ) dated on XX/XX/XXXX, XX/XX/XXXX ( no longer reported as 30 day late ), and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX removed XX/XX/XXXX ( Charged Off Removed ) dated on XX/XX/XXXX and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX XXXX ( XXXX ) removed XX/XX/XXXX dated ( Charge Off Removed ) on XX/XX/XXXX. Because the inaccuracies were not corrected, I could not get a mortgage loan and a car loan for my daughter. Not only that but your agency has taken away so much time and stress that was unnecessary. I have spent hours, days and years sending in documents and you fail to clean up my credit file. After explaining why and how the items were removed, one of credit bureau associates refused to dispute/delete the inaccuracies ( XX/XX/XXXX ). I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Additionally, if you contact any entity ( person or company ) in order to make the necessary updates, please provide the names, business address and telephone numbers so that I may follow up directly if needed. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I cancelled my XXXX service on or about XXXX XXXX, 2016. I returned all XXXX equipment per their instructions via a return from my local XXXX in XXXX XXXX, AL. Then, I received a letter from XXXX dated XXXX XXXX, 2016. It said I owed {$170.00}. It did not mention anywhere in the letter what this was for or why I owed the debt. I called XXXX because I have records that I paid my final bill. I was told that it was due to equipment that was not returned. I asked what specific equipment was not returned and then the department call transfers started. Nobody could tell me what specific item was not returned. 

On XXXX/XXXX/16 I was assured that a charge for " un returned '' equipment in the amount of {$170.00} would be credited and corrected on my account. Yesterday, XXXX XXXX, 2016 I received a call from the collection agency. The XXXX representive that I spoke to on XXXX/XXXX/16 for 33 minutes ( i have a record of the call date time and duration on my phone that I can provide ) ID number XXXX XXXX XXXX assured me the charges would be corrected because XXXX had clearly made an error and did not log in one piece of the total of XXXX receivers, XXXX TV remotes an internet hub and an internet router. This correction needs to be fixed. I have opened an complaint with consumerfinance.cov ( CFPB ). XXXX needs to step up and correct this HUGE mistake before more damage is done.

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 10-07-2015 about Credit card () with FIRST NIAGARA FINANCIAL GROUP, INC. (NY).
Issue: Billing disputes

Complaint: Originally some one used my credit card in XXXX. I never was getting any bills. In XXXX i took out a loan, the bank never notified me that there is an outstanding balance, because I would have questioned it and disputed. In XXXX i got a letter of bank collection. That is when i started to question. I spoke on the phone with the bank and cancel my card. I spoke with another representative to file dispute claim. Not once did the rep mentioned that it was too late to file it. In XXXX i get letter stating it was too late to dispute and i am liable for all charges including late. I filed complaint on cfpd website. Afterwards i got a call from XXXX XXXX from first Niagara bank and after his investigation i was told that the balance will be dissolved but he can not fix the credit report. Recently i received a collection letter regards this matter and my daughter called XXXX XXXX but he just ignored us. Please help with this matter. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN loan mortgagee used deceptive practice for communication purpose in order to foreclose my property and extract money from me. They used fake address to show that they have send all communication and those fake address not related with me in given period. i HAVE MADE SEVERAL ATTEMPTS WITH THEM TO RESOLVE the issue but they failed to resolce issue

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I checked my credit report and noticed that I have  XXXX  account in collections with  XXXX   XXXX   XXXX  . I have no knowledge of ever obtaining this debt.

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 08-03-2017 about Debt collection (Other debt) with MEDCAH, Inc. (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received this collection debt saying I owe {$130.00} including penalty fees. I says that the creditor is from an electric company. I did not open a account with an electric company. I have been a victim of identity theft in the past ever since I entered my personal information on the internet and did not have virus protection on my computer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Greetings. I was summoned to court by an attorney firm XXXX regarding XXXX, a debt collector. The debt was paid in full but not updated in the XXXX County court system nor on my credit reports. I sent a certified letter to XXXX to remove the incorrect debt information and public record but it was returned. A certified letter was sent to the attorney firm XXXX who updated the court record ( XXXX ) but ignored the request to remove inaccurate information from my credit reports. I then sent a certified letter to Transunion requesting that the debt and public record listed on my credit report be removed. Transunion removed the debt record from my credit report but did not remove the public record. This erroneous information is preventing my husband and I from purchasing a home.

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 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian has a Dismissed Bankruptcy on my credit report, which is a violation of XXXX XXXX XXXX : XXXX ( a ) ( XXXX ). This needs to be removed. FCRA only allows the reporting of Bankruptcies from the date of entry of the order for relief or date of adjudication. There is no provision for reporting of dismissed bankruptcies. Case : # 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 non-monetary relief
Consumer complaint received 07/26/2017 about Debt collection (Medical debt) with Armor Systems Corporation (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have asked ( through XXXX ) for proof of the alleged debt and have never received any. Armor Systems Corp erroneously claims that I owe {$1000.00}. I never received any written notice whatsoever from Armor Systems Corp.

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 09/23/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been unemployed since Late XXXX. I applied to Green Tree Servicing my mortgage company in XXXX for mortgage assistance for my FHA loan. I was denied assistance even though i provided proof of unemployment. I appealed and was again denied and told that i was in not in immediate danger of default. I am concerned that no matter what paperwork i provide Green Tree intends to foreclose on my home. I was told that i qualify Unemployment forbearance by XXXX Green Tree Account representatives but when i asked for details i was told to wait for a final decision by loss mitigation. I m now on the XXXX account representative and i still do n't have a decision. i was able to stay current on my mortgage up through XXXX. It is obvious that the mortgage company makes a practice of advertising HAMP and HARP programs while intending to push everyone to a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (FL).
Issue: Managing the loan or lease

Complaint: PNC bank Harasses me daily XXXX times a day to collect a debt within the 10 day grace period they provide even when told by me the debtor I will pay before end of grace period stop calling me I have new born baby sleeping, I shake with anxiety every time they call. PNC bank makes it near impossible to change owe date to middle of month for I the debtor to be on time while they take extra percentage rate.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The CFPB, F.B.I., OCC.HUD, making HOME ADORABLE AND MY CONGRESSMAN US D.O.J. NEED TO REOPEN A CRIMINAL INVESTIGATION AGAIN AGAINST CHOICE LEGAL GROUP IS A COLLECTION AGENCY AND THE LAW NEEDS TO BE AUDIT THE AUDIT WILL REVEAL ALL THE FRAUDULENT DOCUMENTS ACTIVITY GOING ST THIS FORECLOSURE MILL 'S ALL IS FRAUDULENT POA, XXXX ENDORMENTS, NON ORIGINAL PROMESORY NOTE LOOK CASE # XXXX AT XXXX FRAUDULENT DOCUMENTS TO OBTAIN A FAVORABLE ILLEGAL JUDGMENT FOR ALMOST {$140000.00}, THIS FRAUDULENT ACTIVITY

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 08-02-2017 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XX/XX/2017
 This morning I called GC services to see where the status of my student loan payments were I was currently  on a payment plan for $XXXX a month When I called they told me im no longer on a pay arrangement. GC services stated that I had to start the payment program again I said why im already on the payment arrangement the lady then put the manager on the phone he  informed  me that  they deleted my card information  they claimed to have called me ,but i didn't receive a phone call ,or email ,also I was sent proof of my payment received and put towards my amount .I was told that I had to do the program all over  again which will effect my Income taxes and my enrollment in college. Also the manager stated that there wasn't a payment set arrangement set-up i started it in XX/XX/XXXX here is proof
Information from GC Services Regarding Your Student Loan With XXXX XXXX XXXX
GC Services 
To	XXXX  XX/XX/XXXX at XXXX XXXX
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Your eDocument is best viewed using the latest version of the Adobe Reader - get it here
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Welcome to eNotice - Please review this email carefully.
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Authenticate Your Details:
                                          
XXXX XXXX XXXX
Address: XXXX XXXX XXXX XXXX 
Dear XXXX XXXX XXXX
Our records indicate that we have your permission to communicate with you via email at the following address: XXXX
To open your secure enotice document:
1.  Open the PDF attachment.
2.  Provide your five digit zip code to open the secure enotice pdf.
We are committed to customer satisfaction. If you have any questions, please contact us using the contact information below.
Sincerely,
GC Services XXXX XXXX	Your eDocument is Secure
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You'll need the Adobe Reader to view your secure eDocument. Get it now.
You may contact us at:
Phone: (XXXX) XXXX
Website: www.gcserv.com
Email: XXXX 
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If you no longer wish to receive emails regarding your account, please give us a call.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: I am disputing the resolution with previous case number XXXX. 
The dates are wrong the 18 month same as cash purchase for approximately {$700.00} was not in XXXX, it was in XXXX, which is what I have suspected, but was told on multiple occasions, that either that they ca n't get the information, that they do n't have to provide me a history of more than a year.. 
Finally have serval phone calls some one agreed to send me the full history, but instead, it was only the last year. So I had to file a complaint with the CFPB and now I have a fabricated, or creatively generated payment history that does n't match actual purchase, payment plans and dates. 
The 18 Month same as cash program was falsely ended a year early. 
If in fact it was taken out in XXXX, based on the payment chart provided on the explaination letter, this credit would have been paid off. ( in 3 years ), but instead they are claimimg that I still owe the exact same amount, after 3 years of payment. 

I am not making one more payment until I receive a copy of the agreements and poof of purchases for all of items thatI am being charged. 

I want all fees for late payments to be halted for their incompetent billing practices and failure to provide my the relvent proof of charges for the last year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Bank account or service (Savings account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Deposits and withdrawals

Complaint: Navy Federal will not let me use or close my savings account with them. I 've spoken to them in branches and on the telephone. They say it is against policy to close savings accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: My sister and I attempted to close our aging father 's professional account at Wells Fargo. My sister worked closely with the local branch and followed their directives. But, even after 6 months the bank continued to reject the paperwork presented. Anticipating our father 's further decline, we hired an estate attorney to help us close the account. Even after appointing me as an officer of my dad 's company and presenting new documentation which followed the bank 's directive, the bank again refused to move the money to my mother and to close the account. The entire time the balance of the account was depleted through bank fees from around {$1800.00} to around {$1000.00}. In the end, Wells Fargo refunded the entire original balance of around {$1800.00} plus some a " consumer satisfaction credit '' and transferred the funds to my mother 's 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 explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These accounts were all in default w ith 120+ l ates -- transferred and closed ... I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all ...  .Yet,  I have duplicate student loans on my report and it looks as if I had multiple loans and I had originally borrowerd {$3500.00} now my loans are totaling {$7500.00}. Now it looks like I have numerous loans and I do n't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I was in the middle of trying to refinance my home when I saw a XXXX was reporting from XXXX. I tried to get additional information from the court house but they indicated they do not correspond with third parties. I then reached out to the bureaus to try and get additional information and they only indicated that it was verified. If I am unable to obtain the information and I am the one that would have filed it then how are the XXXX bureaus reporting it? I am extremely XXXX because I am only getting the runaround from them. I thought and everything I have seen indicates the bureaus have to be able to actually validate the information. Anyone with a computer can look up XXXX on the internet but that does n't make it true. Also my name is a very common name so how in the world can they just say they verified it with nothing more?

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