milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this is not a valid 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 10-12-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: For four years, from XXXX XXXX, XXXX though XXXX XXXX, XXXX, Bank of America has never provided written notice on appeal, or any notice detailing the exact reason ( s ) for denial on appeal, or aprovided any statement indicating one can obtain the documentation in which a denial is based upon. 
Upon receipt of my complete RMA application for a foreclosure prevention alternative offered by, or through, the Bank of America mortgage servicer, a mortgage servicer, trustee, mortgagee, beneficiary, or authorized agent, Bank of America shall not cause he recording of a notice of sale or conduct a trustee 's sale while the complete foreclosure prevention alternative application is pending, and until the borrower has been provided with a written determination by the mortgage servicer on appeal regarding that borrower 's eligibility for the requested foreclosure prevention alternative. Following the denial on appeal of a first lien loan modification application, the mortgage servicer shall send a written notice to the borrower identifying with specificity the reasons for the denial and shall include a statement that the borrower may obtain additional documentation supporting the denial decision upon written request to the mortgage servicer. If foreclosure alternative is approved of in writing, servicer can not record an NOD, NTS, or conduct a sale while borrower is compliant with agreement, or has provided servicer proof of funds/financing, or is awaiting the written notice in accordance with California Civil Code 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 12-01-2015 about Credit reporting () with Credit Karma, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX address shows on my credit report I never live there

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 05/26/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: I bought my vehicle and ever since the second day of owning my vehicle there has been nothing but problems. The dealership and the bank does not want to help me out at all. Now I 'm stuck paying $ XXXX for a paper weight that 's been in and out of the shop about 11 times since I purchased it on XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WV).
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: Existing complaint ( Submitted to the CFPB on 2016XXXX ) : I have about $ 250k in student loans. I contacted XXXX XXXX and XXXX, and I was able to get the loans placed in forbearance as I transitioned between careers. With all of the bills flying at me, it was my understanding that I had personally secured my loans and assured that nothing would default. However, Navient Student Loan Services failed to contact me by any means until I received a call one day from a 3rd party. I was unaware of the loans being sold to them, and had never heard of the company. By this point the loan was 96 days past due. After 30 minutes or so on the phone, I was able to work out a delayed forbearance plan XXXX-XXXX. They stated that three months had already past, so they could only do a retroactive forbearance for the XXXX-XXXX timeframe since I was already behind during those months. Confused? Yeah, me too. However, I went to look at my credit statement a week after working out this forbearance, and Navient had the audacity to hit my credit report with 4 90-day late fees. When I confronted them about it, they stated that there was nothing they could do about it except reconsider once I sent a letter explaining my circumstances. I 'm sending the letter, but I suspect I 'm not saddled with a deplorable credit score due to circumstances largely outside of my control. <P/>Submitting 4 90-day late reports to credit bureaus and refusing to address the issue by taking some responsibility is unfair and unnecessary punishment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit card () with SYNCHRONY FINANCIAL (LA).
Issue: APR or interest rate

Complaint: Care Credit company continues to have deceptive practices regarding interest rates on cards even after they were orderer to discontinue their unfair and deceiptive practices. I was in need of XXXX and I did not have XXXX insurance at the time to cover the cost. I was offered the card by my XXXX office. They did not explain in detail about " promotional periods '' or " deferred interest ''. The more I pay on my balance, the larger it grows. I am recently divorced and can not afford the growing balance on my account. It has also impacted my credit score as well. I would like a resolution to CareCredit 's unfair and deceptive practices. 


" According to the CFPB order, since XXXX 2009, consumers who signed up for the credit card frequently received an inadequate explanation of the terms. Many consumers, most of whom were enrolled while waiting for health-care treatment, incurred substantial debt because they did not understand how they could have avoided deferred interest, penalties, and fees. The CFPB began investigating CareCredit after receiving XXXX complaints from consumers. During the course of its investigation, the Bureau found evidence of : Deceptive enrollment processes : The CFPB found that service providers misled some consumers during the enrollment process by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. CareCredit 's limited involvement during the enrollment process and lack of oversight and monitoring allowed this deception to continue. 
Inadequate disclosures : Many consumers did not receive copies of the actual CareCredit agreements and instead had to rely only on the oral explanations given by the service provider or office staff. Many consumers were enrolled on the belief that it was an interest-free card, and did not understand that they were actually agreeing to a deferred-interest product with a 26.99 percent interest rate. 
Poorly trained staff : Many staff members in the health-care offices, who were responsible for explaining the CareCredit agreement to borrowers, had received little or no training by CareCredit, and relied only on pamphlets. In interviews with CFPB investigators, some providers admitted that they were themselves confused by the deferred-interest card. ''

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 10/26/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I represent the homeowners in pending foreclosure litigation. On XXXX XXXX, 2015 I received a short sale denial letter from Carrington Mortgage Services , LLC, dated XXXX XXXX, 2015, stating the reason for denial was " Eligibility Requirements for Short Sale Are Not Met. '' Any appeal was due XXXX XXXX, 2015, two days prior to my receipt of the denial. On XXXX XXXX, 2015, I received a deed in lieu denial letter from Carrington dated XXXX XXXX, 2015, stating the reason for denial was " Eligibility Requirement for Deed in Lieu Are Not Met. '' Any appeal was due XXXX XXXX, 2015, two days prior to my receipt of the denial. 
The reason given for denial for both short sale and deed in lieu is wholly inadequate in that it lacks any detail and does not provide any basis for correcting any inadequacy or challenging the denial. 
The time given to appeal is wholly inadequate in that I received the denial letters two days after the appeal deadline. 
On XXXX XXXX, 2015, I wrote to Carrington 's attorney stating the above and to date I have received no response -- including no reason for the denial and obviously no way to remedy any legitimate deficiency in my clients ' application.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (HI).
Issue: Trouble during payment process

Complaint: Final payment of loan amount of mortgage was not properly applied. Overpayment went to a suspense account which was greater that the remaining balance. The actual amount was less than the amount owed. Reach out to Carrington Mortgage  Sevice  and spoken to  three  representatives  (   XXXX   X/XX/17   ,  XXXX    X/XX/17    ,  XXXX   X/X/17     )  had not had an amicable resolution. I was informed that I would need a payoff request that was sent to me prior for final settlement however the pay-off showed a refund to me rather that amount owed. A negative derogative was submitted to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: OKAY SO I 'M A LITTLE CONFUSED RIGHT NOW. THE FIRST REQUEST I SUBMITTED YOU SEND ME A LETTER BACK STATING THAT IT WAS A FRAUD DISPUTE AND THAT YOU WERE N'T INVESTIGATING. I SENT ANOTHER LETTER THAT APPARENTLY GOT OVERLOOKED. I FILED A COMPLAINT WITH CFPB ABOUT NOT GETTING THESE INACCURACIES INVESTIGATED AND YOU SEND ME A LETTER BACK STATING THAT YOU WILL NOT INVESTIGATE THESE ITEMS AGAIN. WHEN DID YOU INVESTIGATE? WHO DID YOU SPEAK WITH? CAN I HAVE THE DATE AND TIME THAT THESE ITEMS WERE VERIFIED TO YOUR COMPANY? I NEED THIS INFORMATION FOR MY NEXT STEP. APPARENTLY YOU HAVE NO REGARDS FOR THE FEDERAL LAW SINCE YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND DISPLAY THIS INACCURATE INFORMATION!!!!!!!! PLEASE SEND ME THE METHOD OF VERIFICATITON, DATES AND INFORMATION THAT YOU HAVE TO BACK UP YOUR CLAIMS FOR THE FOLLOWING ACCOUNTS 1 XXXX XXXX XXXX # XXXX IS ILLEGALLY COLLECTING DEBTS IN THE STATE OF LOUISIANA BECAUSE THEIR LICENSE IS INACTIVE. 2. XXXX XXXX I HAVE NEVER DONE BUSINESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY. 3. XXXX XXXX XXXX I HAVE NEVER BEEN LATE XXXX. XXXX XXXX XXXX # XXXX I PAY ALL MY BILLS ON TIME. THIS INFORMATION IS INCORRECT. 15 DAYS IS MORE THAN ENOUGH TIME TO FURNISH ME WITH ALL SUPPORTING DOCUMENTS THAT I REQUESTED **TRACKING**

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 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: inquiries that i didnt initiate are on my report and TU is n't removing and stated i need to refer to creditors. i have and was referred back to them and told that it stays for 2yrs. it should be deleted as other bureaus have done. If i never called these creditors and asked for the inquiries i shouldnt have to call and go back and forth between companies for a removal. TU has sent me back and forth needlessly. my dispute should n't have to take all year to complete nor even a week.

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 10/20/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NC).
Issue: Unauthorized transactions/trans. issues

Complaint: My account was froze for 5 days. I could not access my money or check my account. My payroll deposit was 2 days late and as of right now I cant log in 2 see my transactions or account balance. You call Customer service and the phone just hangs up. I had to borrow money just to pay my bills. This has been one of the most stressful weeks of my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Checking or savings account (Checking account) with BB&T CORPORATION (VA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have had {$280.00} dollars in returned item fees between XXXX and XXXX. On both occasions the day before I have shown a positive balance in my account with nothing pending and I wake up and have over {$100.00} to the negative. This has been an ongoing issue with bb & t

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, I filed a complaint with the CFPB case # XXXX concerning fraudulent charges to my XXXX XXXX XXXX card When I pulled a copy of my Experian and XXXX  Credit reports on XX/XX/XXXX, My XXXX XXXX balance reported as {$1900.00}, with DATE REPORTED : XX/XX/XXXX But then incredibly and in response to my XX/XX/XXXX complaint of fraudulent charges, XXXX deliberately updated my balance MID-CYCLE to {$6800.00} on XX/XX/XXXX to reflect all the disputed fraud charges. There are only two ways to interpret this. Either XXXX recklessly posted the balance in error or XXXX retaliated to harm me and my family by deliberately posting inaccurate information. My credit score dropped another 16 pts as a result of XXXX actions, my closing for the {$600000.00} mortgage had to be cancelled. With a deadline of XX/XX/XXXX to close or lose my deposit, unless Experian, XXXX and XXXX  update this account to reflect the correct balance of {$1900.00}. I will be suffering more financial harm. 

Facts to support my claim : In a letter dated XX/XX/XXXX, XXXX admits they have not completed their investigation. Proving XXXX deliberately furnished inaccurate information in violation on every dispute regulated policy of the FCRA and State of Michigan laws. ( see attached letter dated XX/XX/XXXX ) this letter is also included in XXXX response to my CFPB case # XXXX ***I am requesting Experian, XXXX and XXXX to trigger the EXPEDITED DISPUTE RESOLUTION PROCESS and immediately update the balance of this account back to {$1900.00}. 
With the letter from XXXX admitting the current balance attached and also posted with the CFPB case # XXXX. If this doesnt qualify for an EXPEDITED DISPUTE RESOLUTION, what does? 

Attached : -Unredacted letter from XXXX dated XX/XX/XXXX -Copy of letter from XXXX dated XX/XX/XXXX w/highlights - XX/XX/XXXX Copy of Experian report for XXXX account # XXXXXXXX XXXX  XXXX XXXX  XXXX account referenced in letter - XX/XX/XXXX Copy of Experian report for XXXX account # XXXX XXXX XXXX XXXX XXXX account referenced in letter Balance reported {$1700.00} -XX/XX/XXXXXX/XX/XXXX Copy of Experian report for XXXX account # XXXX XXXX  XXXX XXXX  XXXX account referenced in letter ; balance reported {$1900.00} - XX/XX/XXXX Copy of Experian report for XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account referenced in letter ; Balance reported {$6800.00}

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 07/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Credit determination

Complaint: on around XXXX XXXX 2016 I had applied for an American express credit card that was sponsored on my XXXX webpage. XXXX gave me an estimated chance of GOOD and encouraged me to apply so I applied and was DENIED when I received your usual decline letter it stated reasons that XXXX said my credit score was XXXX, I then paid a fee to retrieve my credit score from eqaufax the report said XXXX and I also paid for XXXX score which was XXXX so someone at American express lied about my credit score being just XXXX and unfairly denied me there credit card. I want CFPB to try and get me that card and reprimand American express for wrongly stating my credit score and denying me the credit card. thank you XXXX. C

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Debt collection (Federal student loan) with KEYCORP (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have to many bills, and they are stacking up on me, i was doing good, paying on time.I had to consolidated my bills, im willing to pay it off, if I can get student loan reduce to half of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I 've had my checking account with b of a since 1999 & I 'M BEING CHARGED ERONEOUS FEESThe bank talked me into adding my husband so we could have a " tiered '' account and never be charged a fee, that was 4 years ago. 
We added husband. Every 6 months the bank drops my husband and we are charged eroneously the {$25.00} service fee. Every 6 months I have to call and complain, takes about XXXX - XXXX hours by the time I hold for the XXXX representatvie, then I 'm transferred ... again and again and again. It 's like they trick you into signing up for a special account then they switch it so you are charged. The last time this happened Bank of America advised me that their risk system is set up this way, to auto drop the tiered accounts and that there is no way to stop this from happening. I advised not the customer problem. You Bank of America need to fix this risk rule. Then in order to get my husband added back on, I have to get him conferenced in while they, Bank of America verify 's his information, they claim because it 's " maintenance '' being done on the account. I asked ... Is n't it maintenance to take him OFF the tiered account, that we DID NOT authorize, why is it ok for you to do maintenance on the account and take him off but now in order for us to avoid a fee suddenly you need authorization. Every six months we are charged {$25.00} for the bank, bank of america dropping us from the tiered plan. This is a joke, hoax and sounds illegal. They need to fix their " risk '' systems and stop stealing money from customers. 

The bank says it 's ok and they allow the bank to allow maintenance on the account to remove my husband from the tiered plan and charge us money ( no authorization needed to remove husbands from tiered acct so they can charge us ) But the then the bank says, they must have authorization, without authorization to add him back on tiered account that they removed him from, we will continue to be chargedThis is now the XXXX time this has happened. 
I have spent more than XXXX hours fixing this issue everytime the bank steals this service fee from our account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of identity theft for over five years. I have filed multiple complaints and disputes with XXXX, XXXX, TransUnion and the Federal Trade Commission. On numerous occasions, XXXX, XXXX and TransUnion has blocked and/or froze my file, which hindered me from getting a copy of credit bureau reports and the deletion of erroneous information. My consumer credit rights, have been continually violated and disputes have been ignored. I have sent in countless copies of my drivers license and social security card, yet the erouneous information remains. 

I currently have the following listed on my reports : ( XXXX ) Collection accounts that were not opened by me ( XXXX ) Credit inquires that I did not authorize. 
( XXXX ) Addresses in multiple states that do not belong to me. 
( XXXX ) Social Security card numbers ( XXXX ) Date of births including years ( XXXX ) Employers, XXXX of which I have never worked for. 

I am requesting that my credit bureau reports be accurately adjusted to reflect the truth!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I took advantage of the offer fro m Capital One to tr ansfer credit card balances over for 0 % interest for a period of time. The first transfer of {$8000.00} was to be interest free until  XX/XX/XXXX  ; and the second transfer of {$4000.00} was to be interest free until  XX/XX/XXXX . You only had to make their " interest saver '' payments to keep the 0 %. In  XX/XX/XXXX ,  Capital One star ted charging full interest on the balance that was to be set at 0 % even though I had made all of the interest saver payments. To do this, they increased the interest saver payment to the full balance knowing that most people are not able to pay. I had planned to pay the entire balance by the deadlines to keep the 0 %.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: We recently applied or and are receiving an Equity Line of Credit loan. The Credit Union has granted our application - but sent us our scores which are XXXX and XXXX. The reasons why we received deductions are not true. 
When we called the Experian, there was no option for dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation