milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 have sent four letters to Experian credit dispute department started on XXXX XXXX thought out the months leading up to XXXX XXXX asking them to verified four accounts each time experian mail me my dispute results always say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. Experian have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( 12 U.S. Code 5533 ) seems to be false representations and inclusion of inaccurate information this violating federal laws. Experian is unwilling to verify any of these accounts, then under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Each letter I sent had a copy of my SS # and driving license inclosed

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am not understanding why the word our is capitalized on the dispute results. I chose the best categories for the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Mortgage (Conventional home mortgage) with BB&T CORPORATION (AL).
Issue: Closing on a mortgage

Complaint: The complete an utter failure of this banking institution has caused me to almost lose the house I was trying to buy. The lack of communication between the customer ( me ) and the lender ( BB & T ) was disgraceful, unprofessional, and tiresome. The inner workings of the employees of this institution are not at a professional level and no one was eager to help or answer questions related to the loan itself. Here is 2 different timelines from myself and my realtor about what happened : XXXX XXXX - purchase contract sent to XXXX XXXX @ BB & T XXXX XXXX - first response from BB & T and confirmation of receipt of contract XXXX XXXX - emailed BB & T for an update, no response XXXX XXXX - emailed BB & T for an update, no response XXXX XXXX - emailed BB & T for update, received response with notification we will not be closing on time XXXX XXXX - the contract closing date. As of today we are still unaware of the loan status and I have not been notified from anyone at BB & T with an updated closing date. 





XXXX/XXXX/XXXX -- -XXXX received prequal application after filling out application XXXX/XXXX/XXXX -- -I called XXXX several times between XXXX and XXXX to find out about the application. After several calls I never heard from XXXX so I reached out to my friend to find out an update from him ( This friend recommended XXXX to me, very highly ). Then I got an email from my friend with the prequal approval attached and not from XXXX. WHICH SHOULD HAVE BEEN A HUGE RED FLAG. 

XXXX/XXXX/XXXX -- -Received loan disclosure package and reviewed and signed all documents and paid all fees that day Between XXXX there has been a giant lack of communication between XXXX and myself and my realtor XXXX. I would say countless phone calls from myself and XXXX along with many emails from XXXX and myself as well went unanswered for days if not weeks. Until finally it got into XXXX XXXX hands on XXXX/XXXX/XXXX. She was I guess more helpful than XXXX and I continued giving more paperwork regarding my application that the underwriter needed in my case. 

At this point in time we still do not have a definite date of closing from XXXX or XXXX and I am asking that this loan be pushed through or an explanation of why the ball was dropped on this whole case. 

I would also like for BB & T to not charge me the fees associated with the origination of this loan BC I do n't think you have earned it, or a 1 % drop in my loan whichever is greater.

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 07/27/2015 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Dear XXXX XXXX, I was wondering if you could help me with a situation I am having with American Education Services ( AES ), and XXXX. They service private student loans. I was wondering about some of their practices. 

They withhold essential contract information such as, -Minimum payment information-Available programs for payments during difficult times-Direct contact information for my actual lenderWhen I have called and asked what my new minimum payment would be, they ask what I can afford, when I tell them they say it is too low. I had a XXXX minute conversation with the representative, where I had to go up in increments of {$5.00} until I hit their minimum amount. She said it was against company policy to just tell me the amount. It was humiliating to reveal what I could pay, and know they knew the right answer the entire time, and did n't tell me. 

What I am wondering is, is n't it illegal to withhold essential information in a contract from the other party? I do n't remember signing a contract for student loans that said, " I agree to your terms and conditions, including the ones you wo n't tell me about ''. Do n't they have to disclose all information regarding my student loan payments in detail. 

Another example of withholding information is information regarding available reduced payment options. I have called representatives at AES and asked, " If I am late on my payment what are my options? '' They have answered, " We can only tell you that there are options available to you, but not until after you are late. " Then, they do n't give me any details. I want to be able to plan. If the payment options for being XXXX days late are all different, should n't they be required to tell me that information, so I can establish a financial plan based on what 's coming? If they do n't give me this information, and I just sit there and wait, that impacts my credit. They are essentially forcing me into a worse situation, by making me wait until I am late, to find out what the new payment would be. I am taking a risk, because I do n't know how low the new payments are, but I do know that my credit score will be damaged. 

When I ask them for direct contact information to my lender, they say they ca n't give it to me. Do n't have the right to know who is actually lending me money? Please excuse the extreme example, but I would like to know if my loans have been bought by a XXXX, or XXXX. I use that example to illustrate that I think I should at least know where the money is coming from. 

If any of this is illegal, is there something that can be done about it? If so, does this mean they are in violation of the contract by not telling me the complete details? Please let me know if you need any further information from me. Thank you in advance for your time and help, I really appreciate your efforts to protect consumers. I look forward to hearing from you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: So I make additional payments to my student loan, to additional my automatic payments. I called customer service to have them reapply the my extra payments to principal only. I was informed there is not much a thing. I spoke to a manager, and inquired in why I ca n't apply my extra payments to principal only. He started you ca n't do that for any loans. I asked him if this in my contract ( which it 's not ), and his response was your monthly payment will be applied interest then principal. I informed him this is not my monthly payment, and asked him to provide me with a copy of my contract. 2 months later still no contract, and I called and was informed it was sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I contacted Navient on XX/XX/XXXX or XX/XX/XXXX about setting up an arrangement to pay {$25.00} per month. I also stated to the CSR that I needed the arrangement in writing as proof that I have entered into an agreement with them for a housing program that I am currently in. I was told that because I am on an IBR with a payment of {$0.00}, that I can not enter into any agreements and was told to just make payments and print out my payment history. I made the first payments and printed out the history, but the housing counselor needs an agreement in writing from each lender as proof that I am paying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Optio Solutions, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Optio Solutions LLC in XXXX California was contracted by XXXX to collect on an invoice which the vendor XXXX performed inadequate and non-completed work. Optio Solutions LLC was informed in writing twice that their attempt to collect on an invoice which was for false work. It was communicated in writing to XXXX XXXX four times that their work was incomplete and inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have requested that Experian provides me with the method of verification used to investigate my dispute per FCR  A 611 ( a ) ( 6 ) ( B ) ( iii ). They refuse. I have documentation to support this blatant disregard of the FCRA by Experian I dont believe Experian actually investigated my dispute and that 's why they refuse to provide me with the method of verification.
<P/>
This is a repeating problem that I have when disputing with Experian. I had some ID theft on my credit and when I have disputed in the past, they give me the same exact response refusing to comply with FCRA 611 ( a ) ( 6 ) ( B ) ( iii )

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 08/24/2015 about Prepaid card (ID prepaid card) with Blackhawk Network Holdings Inc. (CA).
Issue: Managing, opening, or closing account

Complaint: My card was closed by Blackhawk and they are taking their time getting the funds back to me. I have submitted all the docs that they need, yet it is taking them a long time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/21/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I refinanced my two federal student loans this past year with a consolidated private loan. Prior to refinancing the interest paid on both loans were always eligible for a XXXX. 

Now, Navient is refusing to recognize the interest paid on the new loan as eligible for a XXXX. Interest paid on a refinanced student loan is eligible for tax deduction for an Individual tax payer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Virtually every month in 2016 has been a disaster from Ditech Financial for my home loan payments. 
XX/XX/2016 - No bill was issued from Ditech Financial to me, so I got for a late payment charge ( XXXX {$100.00} ). 
XX/XX/2016 - No bill was issued from Ditech Financial to me, so I got another late payment charge ( XXXX {$100.00} ). 
XX/XX/2016 - I filed a complaint with the XXXX to petition the late charges and was denied a refund by Ditech Financial. 
XX/XX/2016 - Bill was issued from Ditech and paid by me, and I got another for a late payment charge ( XXXX {$100.00} ). When I called them, they said that they were changing Billing Companies/Procedures and that the ate charge would be reversed. 
XX/XX/2016 - This month I got XXXX different bills, finally paying the last one. 
XX/XX/2016 - Bill was issued from Ditech and paid by me, and I got another for a late payment charge ( XXXX {$100.00} ). When I called ( twice ) asking about the late charge, they said that my payment had been incorrectly credited to my Escrow Account, and that the payment would be corrected and late charges reversed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (PA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I submitted a complaint against  Wells Fargo Bank/credit divi sion on  XXXX / XXXX /  XXXX   regarding issues with our interest rate after opening a checking account. the associate at the bank promoted all the benefits of their credit card ... overdraft protection etc.This evening, X/X/17 ,  Wells Fargo responded to the  complaint basically stating the same responce and wording i 've heard for the last  2yrs.  This was not the result i expected filing a complaint with CFPB and considering wells f argo 's track record over the last 4-5 yrs am very disa ppointed. My main point in this complaint and over the l ast 2+yrs is the bank showing what specific  criteria was used to apply a 26 % interst rate to my account other than to state credit worthyness. As i stated in original complaint and directed at wf associates many times, how was i able to purchase a house at 2.62  % ..15yrs and have a credit score that ranges ar ound  XXXX  and get hit with a 26 % rate on their card. Again with this banks past goals of misleading practices and placing revenue above their customers, i strongly believe this should be looked into further Original complaint #  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 07/27/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I made a purchase online to Home Depot for ( 2 ) air conditioners. After they changed the shipping date to a later date, I called on X/X/17 to cancel the order. They transferred me from the customer service department to the major appliances department where my cancellation/credit was processed. I then found out a week later that the cancellation/credit was not processed as I received another call with them trying to attempt delivery on the cancelled order. I called customer service and they explained that the cancellation was not processed correctly and they transferred me again to major appliances where the cancellation/credit was processed again. After a few weeks, the credit has still not been issued. I reached out to them several times inquiring about the credit. All attempts were ignored except for my last response where I explained I would file a complain with the Consumer Finance ( CFPB ). They finally responded with a letter on X/XX/17 that I was not responsible for the payment or interest. No information was included about removing the charge from the credit card. I just received a new statement and the balance still shows this charge. I would like an immediate resolution so this does not affect my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Application, originator, mortgage broker

Complaint: I had applied for a mortgage refinance with Fifth Third Bank. During the application process I had to withdraw my application because my personal plans had fallen through. On XXXX XXXX I was required to pay {$350.00} for a home appraisal which was never performed. When I asked about refunding the the appraisal fee I was told it was not possible and that the bank would keep it and consider it an application fee instead. They explained that because I had signed an intent to proceed with the loan they could keep the money. Is this correct? 

Fifth Third bank XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I was reviewing my credit information with all 3 services and noted that Experian, XXXX and XXXX  are reporting a judgment on my credit report. The judgment was satisfied 3 years ago ( via a payment plan ), and is no longer accurate. I called the County Recorder of deeds in my county ( XXXX County, NY ) and they stated per the NYS Department of Taxation that they do not report tax liens or the status to Credit Reporting Agencies. I then consulted the NYS taxation website and verified that the NYS goverment does not report tax liens/warrants to Credit Reporting Agencies. On X/XX/17 I called Experian, XXXX and XXXX to dispute that a current tax lien satisfaction is being reported by the NYS Taxation or XXXX county recorder of deeds. XXXX, Experian and XXXX contended the information was accurate. I additionally, informed XXXX that the information from their specific report states that the records are furnished by XXXX XXXX. I informed them this information was inaccurate as I do not reside in the county of XXXX XXXX. I have attached the NYS Taxation document stating they do not report tax warrants/liens/judgments to credit agencies and inaccurate information can be disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion has incorrect and outdated information on my credit report such as : past addresses, work history, credit accounts opened if my name fraudulently, and is allowing 3rd party lenders who view my report and send me offers even after I 've called the XXXX number and opted 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 10-12-2016 about Debt collection (Credit card) with Law Offices of Gary H. Kreppel P.C. (NH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: An attorney representing XXXX sent me an envelope that disclosed my personal information in the window of the envelope. This is clearly a violation which i have a picture.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Using a debit or ATM card

Complaint: I filed a complaint aganist Suntrust bank in XXXX 2016. Money was missing from my bank account XXXX I went through the fraud dept and filed a case it was denied at that time I requested all documents from Suntrust that led to they denying my case. I never received the documents. I filed a rebuttal for the denial of my case, suntrust had 45 days to return a decision, on day 60 I called them no new notes were in the system then a week later they send another denial letter. I again ask for documents that explain why i was denied and documents that support why i was denied. I got the same blank form i got when i filed the fraud case. Finally I reported Suntrust to consumer finance dept. they opened a case Suntrust replied to Consumer Fiance I again ask for my documents and to this day I have never got the documents from Suntrust that show how they came to deny me. Please help me get these documents they took my money I am XXXX and this is so wrong on all levels.

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 06/17/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Managing the loan or lease

Complaint: Loan was with One Main Financial ( XXXX ), XXXX XXXX XXXX, XXXX Ohio, taken in XXXX, 2015 Actual Loan amount {$4700.00}, for 30 months. Total to be paid with finance charge {$6500.00}. Total I paid in 12 months was {$6000.00}. ( XXXX pmts of {$210.00} and XXXX check {$3400.00} ) .In XXXX when I called for pay off amount was given {$2000.00}, but when written letter received payoff was {$3400.00}. When I asked for report of how may payments was allocated ( interest and principle ) they refuse to give to me. I received my last payment of {$210.00} refunded to me. I believe One Main Financial took the total finance charges before applying money to the principle. One Main Financial owes me at least {$1000.00} if not more.

Company response to consumer: Closed with explanation