milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2016 about Credit card () with BB&T CORPORATION (NC).
Issue: Customer service / Customer relations

Complaint: BB & T sent me a letter saying I have " delinquent credit obligations with BB & T ''. I only have XXXX open account with BB & T, it has a XXXX balance and has for over six months. It is not delinquent. The letter also says " We have told a credit bureau about a late payment, missed payment, or other default on your account '' There is no late payment on my credit file and my account has a XXXX balance so they have no right to do this. 

They have taken adverse action against me based off this information and I would like for them to remove all erroneous information from my account with them and from the credit bureaus.

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 09-12-2015 about Bank account or service ((CD) Certificate of deposit) with POPULAR BANK (VA).
Issue: Account opening, closing, or management

Complaint: My father died in XXXX, 2015 leaving his assets in a trust. As successor trustee I am liquidating all of the assets and distributing the proceeds to the beneficiaries of the trust. I have had trouble doing so with XXXX asset, a certificate of deposit with e-loan bank. I first sent the required information to what turned out to be the wrong address for the bank on XXXX XXXX, 2015. I resent all of the information ( death certificates, trust information, instructions ) to the correct address on XXXX XXXX. When I had not heard anything, I called e-loan bank around XXXX/XXXX/2015. I was told that the letter of instruction had to be notarized. In my previous conversations, I was not told this requirement and none of the other banks I worked with required this. 

I sent the notarized letter of instruction to E-Loan bank on XXXX/XXXX/2015. On approximately XXXX/XXXX/2015 I called e-loan bank and was told that my letter of instructions had not been received. It turns out that all of the offices of e-loan bank are located in XXXX XXXX, XXXX XXXX even though their mailing address is in XXXX XXXX, XXXX. The representative told me they were having trouble getting mail from the XXXX XXXX office. I had another letter notarized and tried sending it directly to the XXXX XXXX office at the address I was given but it was return undeliverable. 

On approximately XXXX/XXXX/2015 I again called e-loan bank and was told that my letter had been received and had been sent to the legal department for research. When no check had been received on XXXX/XXXX/2015, I called once again and was told the check had been mailed on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and the check has not arrived. It is not possible to speak with anyone at e-loan bank who has any authority. There is apparently no one in the United States I can communicate with. When the account was opened, there was no indication that this bank was anything but a bank operated totally within the United States.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Based off the fact that Experian has yet to forward any documents to me, show me any proof the fact that I have reached out to them on several occasions with proof from the creditor they are clearly in violation of Section 611 ( 5 ) ( A ). 
I have contacted Experian and spoke with XXXX and she stated that they are unable to use the information that clearly show XXXX investigated my dispute and is unable to substantiate - show to be true, give substance to, support, uphold, bear out, justify the debt. She also, stated that they reached out to XXXX and they just stated that it should remain. This is not an investigation on Experian part. 
The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all Experian has been doing the past couple of months and it is against the law and clearly in violation of XXXX 

Account Name : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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 obtained a loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX for the amount of {$14000.00}. I paid on the car up until XX/XX/XXXX, 9 months before my loan should have been up but it was repossessed by XXXX XXXX after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from XXXX XXXX both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting XXXX XXXX by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on XXXX XXXX the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was XXXX may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like XXXX XXXX XXXX XXXX to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Company serving my mortgage is reporting a foreclosure after an approved short-sale was executed and the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Medical) with The CBE Group, Inc. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I think it is a collection agency that is calling for a medical bill. When I answer they either just hang up or ask me for the last XXXX digits of my Social Security number which I will not give. They will then ask for my birth date which I will not give either. They will not tell me who they are or what company they are from. They are calling both my home number and cell XXXX times daily. That is XXXX times a day. They start at XXXX. They call from several different numbers. They all begin with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Debt collection (Medical debt) with California Business Bureau, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XX/XX/2018, California Business Bureau received my certified letters ( 4 ) requesting them to validate the debt being reported on XXXX under my social security number per the Fair Debt Collection Practices Act. In turn, the receptionist at the front desk of my job told me their were papers left for me at her desk. It was a summons I was being sued by California Business Bureau. They failed to provide any contract bearing my signature to validate the debt they were looking to collect or exactly what medical services they were collecting for. I have no idea who these people are. I pulled a new credit report on XX/XX/2018 and they failed to communicate to XXXX credit bureau the debt had been disputed within the 30 day time period. A direct violation of FDCPA Section 807 ( 8 ). They also did not validate and provide any proof or contract bearing my signature I owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Bankruptcy

Complaint: opened an account back in XXXX XXXX and filed a Chapter BK in XXXX and in XXXX its was discharged and cleared the amount owed, and as of today it has re-appeared in my credit report as high limit balance of XXXX and past due of XXXX and this was reported in XXXX XXXX it has significantly hit my credit as I applied for a re-finance and was turned down do to this derogatory its from CHASE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The debt was resulted from Identity theft i do not have knowledge of the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BB&T CORPORATION (GA).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX my Husband passed away XXXX-XXXX-12 and had a loan with BB & T Bank for XXXX i went to the bank when he passed away a took the right papers and XXXX certificate. the teller told me to just contiue to make the payments. He did not ask for a Executor of estate. just make payments so i did but i missed 3 payments over the five yrs due to takeing out a loan to put a roof on the house and gutters to keep the basment from flooding and a hot water heater .over the yrs and i work for XXXX . that 's saying a lot. but for me it has been a struggle but i have gotten the loan down to XXXX pluse know they say i owe for miss payments i tried to go in and make a payment but they would not take my payment back in XXXX they ask me to get so the executor of estate but know they what me to finish paying the loan off and the taxes and insurance on the loan. my husband had credit cards and he put windows in the house that he was paying for and they wrote that off when i sent them the XXXX certificate .And my name was not on that loan.but they wrote them off. and i did get the exector of estate my husband had nothing in his estate .he XXXX suddenly, the bank loss the paper that i gave the 5yrs ago. our house was already paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (IN).
Issue: Fraud or scam

Complaint: WESTERN UNION SENT A LETTER DATED XXXX2017. THE ADDRESS AND NAME TO ME XXXX XXXX XXXX   AND TO XXXX XXXX XXXX STATING CONFUSION.

WESTERN UNION IS IN VIOLATION OF THE DODD-FRAN A CT.

SEE ATTACHED LETTER. REFXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Transunion continues to report a U. S. Bankruptcy Court ( Georgia ) item on my credit report that they have not validated or verified as outlined by FCRA. I 've asked them to send me the name, address phone number of the person or persons etc. they spoke with or the documentation validating and verifying the information but they have NOT!!!!!!!!!!!!! Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
The Bankruptcy Court ( Georgia ) have stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
My inquiry to the U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified this inaccurate public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I demand all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Help in in getting Transunion Credit Bureau to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file Transunion maintains under my name and social security number.
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Transunion is required by federal law to verify through physical verification of the ORIGINAL SIGNED consumer contract and/or judgment ( s ) all accounts and public information that they post on anyones credit report. Otherwise, anyone paying for their reporting services could fax, mail, email in fraudulent and erroneous account 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 10/14/2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter today from ARA INC attempting to collect a debt on an old XXXX credit card that has been paid in full with another company. I do not owe this debt. I have been contacted by phone regarding this account before threatening to serve me with a complaint, and have explained that I have paid the debt in full and will file a complaint with consumer protection if they contact me again. Inevitably, I am contacted a few months later by a different company claiming I owe the same debt I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they the credit bureau pulled the information from a third-party reporting agency and therefore that information must be deleted.

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 07-07-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XXXX XXXX XXXX I opened a business checking account, CD and business credit card at the BofA branch located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I selected Bank of America because they were advertising a bank credit for new checking accounts and credit cards. It was {$150.00} for new checking and {$100.00} for a credit card after 6 months. <P/>I followed up with Bank of America in XXXX of XXXX because I never received a credit for either promotion. I was required to submit request with both the credit card team, and checking account team. The credit card team honored the promotion, but the checking account team sent denial letter for case number XXXX dated XXXX/XXXX/XXXX. <P/>The denial letter stated the promotional code was not entered when the account was opened. I opened the account at the branch the same time the credit card was opened. If their banker did not enter the promotional code correctly when opening the account I do not see how that releases them from honoring their promotion.

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 monetary relief
Consumer complaint received 04-02-2017 about Consumer Loan (Installment loan) with AmeriCash Holding LLC (IL).
Issue: Managing the loan or lease

Complaint: I submitted a revoke letter to stop an automatic payment to Americash Loans on XX/XX/2017 twice and I was told they never received it. I send a third request on XX/XX/2017 straight to one of their agents, I called back to verify the employee received it and she rudely replied with a yes. This employee explained that it was in effect immediate. On XX/XX/2017 this creditor continued to debit my bank account. I immediately called them and they called my bank to verify that the payment had posted. I was then told I needed to wait to call back on XX/XX/2017 ( Monday ) because there was no manager available.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Other bank product/service) with PNC Bank N.A. (VA).
Issue: Account opening, closing, or management

Complaint: My wife and I have several IRAs with PNC Bank. We have had trouble with this bank when we moved because they can not get a simple address change done. Apparently when the address is changed it does not get to all their systems, and they continue to send statements to an old address. The current address problem started when we moved and changed our address in approximately XX/XX/XXXX or XX/XX/2013. PNC assured us several times that the address change was done on all of our accounts, however they continued to have the old address on some accounts, and sent out mail to our old address. This involved numerous calls to PNC customer service and at least two corporate complaints, and hours of frustration for my wife and me. Each time they " assure '' us that they have the correct address on all accounts. The problem with that is our statement ( s ) are mailed to the old address, which is a highly concerning security issue with us. This year our end of the year statements arrived on all our IRAs except for one of my accounts. My wife called PNC IRA department, this month with my permission to discuss and handle anything regarding my accounts, and they still showed the old address from XX/XX/2013 on this account! My wife handles our business and I always give the bank verbal permission on the phone for them to talk to my wife. We have been trying for 4 years to get this right! We have again complained to PNC and have been assured someone will call my wife back to let us know the problem is resolved, but they have not. A follow up call still did not get a response. With our experience in the past 4 years, we doubt that they will get it resolved. Four years is a long time to have something as basic as an address change not done correctly. The problem has to be systemic. The problems in the past have sometimes been explained as caused by the fact that we have a P O Box. We have always given our home address which we understand the bank must have for their records, however we have requested all our mail go to our P O box. Another time they said the change did not get done in the IRA department. Other times, no explanation was given. The formal complaint I have done this year with PNC has a complaint number, which we can provide to you otherwise in this process, to protect our privacy. I urge you to investigate this thoroughly because if we have such a chronic problem with PNC address changes, other people must be having the same problem. I give permission to your agency to discuss this complaint with my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Ive been working for a not-for-profit for over 5 years. Ive been paying my student loans on time, every time. 

At the time my loans were owned by Nelnet. When my monthly payment was being calculated for XX/XX/XXXX, they were done so incorrectly. I was not aware that this was the case until a later date. When I found out, I made a payment of over {$3000.00} to account for my inaccurate payments. 

In XX/XX/XXXX, I officially signed up for the Public Service Loan Forgiveness Program and my loans were transferred to XXXX XXXX. I began making my monthly payments to them. 

During this period, my payments were assessed for which payments counted as qualifying payments to be forgiven. What I have discovered recently, as confirmed with XXXX XXXX, is that not all of my payments were counted as qualifying. This is due to the miscalculation by Nelnet, in  addition, they put me on a Forbearance and to my dismay, they did not inform me. 

As a result, 3 years worth of payments were not counted and my forgiveness date has been pushed out from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation