milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: APR or interest rate

Complaint: XXXX NJ XXXX XXXX Corporate Office : To whom it may concern, Grievance : Home depot customer service representatives failed to provide information for the hardship program when I was unable to make payments. 

I was unemployment, divorced and subsequently developed a XXXX. During this time I responded to several phone calls from customer service representatives when payments were late or no payment was able to be made. I provided the representative with the reason for the inability to may monthly payments. No discussion other than when can you make a payment was the prevailing factor and concern. No incite or offer to apply for hardship was suggested, As a result my account accrued have many late charges and an extreme increase in interest rates, subsequently the balance is still close to the starting amount of {$7000.00} from this cards inception. 

I called customer service on XX/XX/2016 to obtain more detailed explanation for the unchanged balance. I explained that I could not see history outside of a few months on the website and I asked for the history of payment and interest charges increase dates and amounts. The associates XXXX stated that she could not provide that information and that she could send me old statements from 2 years back. When I asked to speak with a manager who could assist me I was transferred to representative XXXX who rebuttable and told me that he would transfer me to counseling and he abruptly hung up on. I called back again and got corporate on the phone and was finally provided with an address to submit this grievance. 

As I queried for resolution of this problem, I was transferred to the associate XXXX who told me that high balance is interest charges stemming from unpaid Timely promotional balances. In addition Home Depot has increased monthly payments roughly to about {$420.00} a month this payment is only applied to these interest charges. Interest is roughly about $ XXXX monthly with an interest rate increased to over 25 %. The interest rate is not on my statement I had to ask what the interest rate has increased to. This card has been frequently accruing late charges because of remaining inability to pay the high payment. 

I am requesting that Home Depot apply all interest payments made on this account to the principal amount left on the Credit card. Then return the interest rate to the original rate in addition, I am request that all the late charges be returned and applied to the principal balance amount. 

Sincerely XXXX Account # 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 monetary relief
Consumer complaint received 08/14/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: In XX/XX/XXXX I was granted a loan modification with my mortgage lender Wells Fargo after XXXX years and XXXX attempts. I was relieved that I was granted the modification and would be able to remain in my home. 
XX/XX/XXXX I listed my home for sale and attempted to obtain a mortgage on another home. I was denied the new mortgage due to a low credit score resulting from the years of " late payments '' that were reported by Wells Fargo during our working together to obtain the modification. In addition, I was recently told that due to the modification, I would not be able to attempt another loan for a mortgage for XXXX more years. These dings on my credit and inability to apply for a mortgage were never spelled out during the process. 
In addition, I also now have a lien on my title from FHA for XXXX. Please advise! 

Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Let 's go back over the past year. Up to 10 calls a day from NAVIENT regarding a co-signed loan for my son. His loans are in a RRP ( rate reduction program ) with the exception of this one his mother has co-signed. When asked to put this loan into the rate reduction program he was told it needed to be 60 days past due and to tell his mother to not make the next two payments. We can provide names and dates is you can take this further. She let the payments go for the 60 days, and then we called about the RRP. We were told that this loan was not eligible for the RRP. So who is correct here. Called them again yesterday X/XX/17 with my son to discuss. We were told the loan was eligible for the RRP but son needed to file a financial statement. He stated he filed one in XXXX but was told that was too old. He asked the Navient rep to pull up his financial statement but he declined and said my son would need to file a new one before they could do anymore. So now my wife 's credit report reflects a default on a student loan that they NAVIENT ; issued instructions and we followed them but guess what that got us. A BIG DING on our credit. Now my wife has been attempting to pay the monthly statements and has done so for over a year but was diagnosed with XXXX XXXX in XXXX of last year amassing medical bills of around 85,000. We do n't have to pay it all as we had insurance but the deductable and out of pocket was around 19,000 which we are paying at this time. Back to NAVIENT. They called again today four times ( I am blocking the numbers now ) and some lady named XXXX attempted to collect again. I stated that we were in communication about a RRP plan and had nothing more to say until that is taken care of. This organization causes nothing but stress, hardship, and more. There is nothing one can do and they know it and continue to harass the heck out of us. Now ; if I have to get my tribal attorneys ' involved I will as a XXXX XXXX I get free legal representation. These people need to be held accountable for the actions they take. These loans are at 10.75 %. Highway robbery ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (I do not know) with Stuart-Lippman and Associates, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a collection letter from Stuart-Lippman & Associations claiming they are attempting to collect a debt of {>= $1,000,000} from claimant " XXXX/XXXX/2016. '' The date of loss is " {$1800.00}. '' Despite these strange discrepancies, my name and address are correct. I called the XXXX number on the letterhead and after providing my reference number, I was sent to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX, XXXX and Experian are ignoring my requests to investigate and remove accounts from my credit reports that do not belong to me.

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Experian continues to report XXXX XXXX University for a debt that was settled for less than amount owed. I was informed through the settlement that the account would no longer be reported, however, Experian continues to add it in my report. XXXX XXXX is not reporting this on a monthly basis. The account is settled and should be removed from my credit report.

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 Mortgage (Conventional home mortgage) with U.S. BANCORP (OR).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My brother XXXX XXXX in XX/XX/XXXX and had a existing mortgage in good standing with US Bank. We have continued to make the mortgage payments and home owners insurance. Under the provisions of his will my brother and I are to inherit his house and we also have title to the house. I am the executor of his will and as such notified US Bank of his XXXX and US Bank was sent a certified copy of XXXX certificate and the small claim probate from the court on XX/XX/XXXX. At that time I requested that my brother and I be added to the loan as obligators without triggering the ability to pay rule. On XX/XX/XXXX I received from US Bank a letter stating that they recognized me as the executor. Also on XX/XX/XXXX we received complete loan packet to fill out as a new loan. I consulted my attorney and he stated that the Dodd Frank law inheriting a home was still in effect. He sent a letter to US Bank on XX/XX/XXXX stating to them that my brother and I can be added to the loan. His office received no response from US Bank. On XX/XX/XXXX I sent a highlighted copy of the law on inheriting a home to US Bank loan assumption dept. Received no response. XX/XX/XXXX I called the loan assumption dept and stated our concerns about being added to the loan without triggering the ability pay rule, US Bank stated that they did not have to honor the provisions of the Dodd Frank rule on inheriting a home and that we would have to do a  complete loan packet.

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 06-10-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On  X/X/17    I called to inquire about paying off of debt of {$1100.00} wit h Diversified Consultants.  I let the representative know that the account went into collection because I had opened the account for my ex-boyfriend who failed to pay the bill. I asked the representative if I could pay the amount in full, would the collection be removed from my report. He took notes and let me know that the collection would be removed from my report " immediately '' after I paid. I let him know that I would be calling them back to make a payment after making arrangements with my husband.  <P/> On  X/X/17    I called to make the payment and inquire about settling. We made a settlement agreement for {$720.00} with the representative and her supervisor. I then asked if paid, would the collection be removed from my report. She let me know that it would be updated as " settled in full '' so I then asked if I paid for it in its totality, would it be removed. She let me know that it would be reported as " paid in full '', but not removed. I let her know that the previous representative told me it would be removed if paid. So she let me speak to her supervisor who explained the same thing. I then let them know that I will call them back after making a decision to pay in full or settle in full after speaking to our mortgage loan credit specialist.  <P/> On  X/X/17    I called to make sure the settlement still stood since I had n't made the decision to pay in full or settle in full. The representative let me know that he would take note of it and the {$720.00} still stood.  <P/> On  X/X/17    the representative gave me the dates and names of representatives that I had previously spoken with. I called to let the company know that I was going to make a complaint since I was told previously that the collection would be removed after paying, and now they were going back on their word.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Credit card showed unauthorized charges as I RARELY use the card in the amount of {$14000.00}. Advise them I did not authorize. Agent confirmed I would not be responsible for transactions, but I am still receiving statements.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: From XX/XX/XXXX thru XX/XX/2016, I because a victim of predatory lending practices by my home mortgage company : CitiMortgage Special Loans XXXX XXXX with a rate increase of 10.24 %

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Recently I requested that a collection account that was placed on my credit report be removed because it had not been " Validated ''. I requested that Experian " Validate '' not verify this account and supplied them with the documentation that the company had sent me as validation of the debt. This documentation did not have anything with my signature on it or anything that I requested from them to validate the debt. There were specific things requested that the company furnish to validate and they failed to. None the less Experian responds with they have verified the account. That was n't what I asked them to do again I asked that they validate it. The other issue is that a previous collection agency had place the same debt on my credit file and after requesting that they validate the debt, Experian removed it and they to only furnished a bill as validation. So now I do n't understand how Experian ca n't validate on one collection agency but can verify the other based off the same information that was submitted to them. Seems to me that Experian is practicing some illegal and unfair practices based on how they feel at the moment and not based on the laws. After searching the Secretary of the State of Connecticut, this collection agency is not registered or licensed as a business in the state of Connecticut and is not accredited by the Better Business Bureau.

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 01/28/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I try to upload documents for my dispute and I get the error : We were unable to upload the below document ( s ) successfully. 
Experian has released my credit report excessively and without my authorization. These are all fraudulent inquiries. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am supplying you with all the documents they asked me for yet would n't accept.

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 08-12-2017 about Debt collection (Other debt) with The CBE Group, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This complaint is regarding a collection agency company, CBE Group, XXXX XXXX XXXX, XXXX XXXX, IA XXXX, XXXX. The debt is from XXXX XXXX XXXX, in the amount of {$160.00}. On XXXX XXXX, 2017 I got a noticed from XXXX stating that CBE has placed a collection in my account, regarding a debt that I had through XXXX XXXX XXXX. But the issue here is that, I was never given a notice in the mail, or email by CBE Group. Nor was I given a phone call. CBE claim that they sent me notice of the debt, but it was sent to the wrong address., and CBE admitted the mistake they made. The bottom line is that, I did n't know anything about this debt, being sent to collection agency. Nor had I any knowledge of it whatsoever from CBE. Had I gotten proper notice of the debt, I would 've paid it immediately, but it was put on collection and posted through the major credit reporting agency, such as XXXX, and now my credit will be immensely affected in a negative way, all because of the mistake that CBE made. Although I paid the whole debt immediately once I found out through XXXX, I 'm still in a lot of stress because it will impact my credit worthiness. It is n't my fault, it 's CBE 's fault that they did n't follow the law, CBE failed to send me written notification of the debt. CBE group di n't follow proper laws and procedure, now, I must suffer due to their mistake. The CBE agent I spoke with said that it will be remove immediately from XXXX, XXXX, and XXXX,. But somehow, I find that hard to believe., nor do I trust CBE.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: When I requested my free credit report from Experian, I paid what I believed to be a {$1.00} fee to obtain my XXXX digit credit score. What I did not know was that Experian also enrolled me into a {$21.00} monthly " membership '', which I still do not even understand what the purpose was. I was charged for two months service without noticing the charges, and finally noticed and requested a refund. The company took several days to respond to my request to cancel the membership, and only refunded XXXX of the XXXX charges.

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 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX refused to cancel my service after I spoke with them back around XX/XX/2016 when my bill increased without being notified. I paid XXXX additional months at the increased billing then I stopped my credit card auto pay. My email requests to XXXX to cancel my service were never replied back. XX/XX/2016 I received early Termination and XXXX Non-return fee, rather this is more of an extortion payment demand {$140.00}. XX/XX/2016 I received a demand payment from 'Credence XXXX XXXX XXXX XXXX demanding {$150.00} for XXXX 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 08/21/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: I opened a WellsFargo student checking account for my student aid and after a year the account was changed into a regular checking account with monthly maintenance fees without my knowledge. I incurred several months of maintenance charges and received an overdraft in my account by a {$3.00} dollar charge. I now have a balance of - {$44.00} after {$60.00} was taken out of my account for maintenance fees. I searched my statement and I used my debit card XXXX times every month, except for the last month on my statement ( XXXX transactions ) which would have protected me from the maintenance charge, but it did not and I was still charged a maintenance fee for the past 6 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In reviewing my transaction history, I noticed that, on XXXX XXXX, 2015, my escrow account was charged {$700.00} for monthly XXXX ; this amount is XXXX times my current monthly charge of {$170.00} for2015. I 've attached the XXXX-month transaction history for my account. 
On XXXX XXXX, 2015, I e-mailed Bank of America, requesting an explanation. 
I have not received a response, and the charge has not been corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have notified enhanced Recovery Company that I am disputing this debt and that it does not belong to me, and they have not provided any verification of debt information and refuse to remove the item from my credit report.

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 non-monetary relief