milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2016 about Mortgage (Home equity loan or line of credit) with BB&T CORPORATION (FL).
Issue: Settlement process and costs

Complaint: I refinanced my mortgage with BB & T because they had a better rate at 4.49 %. I told the loan officer that I wanted a fixed rate not one that fluctuates. I was specific with her. She said that it would n't change, that a fixed rate did n't matter because they hardly ever change. I received a letter 4 months after stating that my rate increased to 4.74 %. I was so upset! Because she told me that it would n't increase. I went into the branch and spoke with her and she said there was nothing she could do because I signed the papers that said that it was n't a fixed rate. Finally, the last bill that I got had an interest rate of 5.99 %. I am so upset. This is more than I was paying for my mortgage before I switched. I felt that XXXX XXXX ( Loan Officer ) was not clear and was misleading. She said that my credit was n't good and this is why I received the 4.49 % and not lower. Please help me in this matter I am an eighty year old and ca n't handle all of this aggravation.

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 reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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Complaint: TransUnion was reporting outdated information ( from XXXX 2017 ) regarding a XXXX XXXX credit card account for which I am an authorized user. My wife is the primary account owner. We contacted TransUnion and they advised that they had simply not received updated information from XXXX XXXX  and that we should submit a dispute. We were not advised that by submitting a dispute, TransUnion would delete / completely remove the account from my report. Removing the account was the incorrect action and not what I requested. The account was correctly showing up on my report, but the balance and payment information simply needed to be " refreshed ''. The removal of this account caused my TransUnion credit score to drop by over XXXX points, which has prevented my wife and I from being able to apply for a home loan. We requested to withdraw the dispute from TransUnion, but they advised that this was not possible and that the only way to resolve the matter would be for us to contact XXXX XXXX and request that they either call the " local TransUnion marketing office '' or submit a request to update. We submitted documents in writing to both TransUnion and XXXX XXXX requesting this. XXXX XXXX  advised that they can not call the marketing office and repeated efforts to request them to do so have failed. XXXX XXXX advised that they investigated out situation and sent over a request to TransUnion on X/XX/2017. TransUnion advised that upon receive such a request it would take 5-7 business days to update the information. However, I called today and they are now stating that they have NOT received any kind of request and that the only way to get the account correctly reinstated to my report is to have XXXX XXXX call the office ( which they refuse to do ). TransUnion is now also stating that there is a " technical error '' with my file / report and giving me the " run around '' each time I call. XXXX XXXX refuses to assist further.

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 06/15/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I filed a dispute online, but received no confirmation number or email confirmation. I subsequently tried to check the status of the dispute, but I was unable due to my not having a report number or dispute number. I tried to call Experian to find out what to do, but there seems to be no way to speak to a person unless XXXX want purchase a product form them. It should not be so difficult to correct information on this report, which has critical impact on my personal credit status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department on XXXX/XXXX/XXXX regarding being a victim of identity theft and the fraudulent and unauthorized credit collection accounts and hard inquiries listed on my XXXX XXXX, XXXX and Experian credit Report. The police report case number is : XXXX, the following account or collection accounts do n't belong to me : XXXX County County Courthouse, XXXX  XXXX, {$76.00}, XXXX XXXX for {$1400.00} and XXXX XXXX XXXX for {$26.00} and {$74.00}, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX 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 been receiving harassing telephone calls and death threats from representatives from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for a debt that 's fraudulent and do n't 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 10-07-2016 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (CA).
Issue: Fraud or scam

Complaint: greetings, XXXX ago, i recevied a prepaid visa card as a gift. it was issued by PAYPOWER/XXXX : card no. XXXX XXXX XXXX XXXX ; expiration XXXX ; security code, XXXX i activated it last week and everything appeared fine until i attempted to make purchase. i was told there were NO funds in the account. i called PAYPOWER and was told that i had to give them the original amount loaded onto the card before it could be activated. well, since it was a gift, i 'm unsure if i ever knew the original amount, and if i did, i have long forgotten. these cards are usually affixed to a display card that shows a range of values. a value is not shown on the card itself. also, gift givers do n't customarily tell you the value of a gift. " here XXXX, this is a shirt i paid {$50.00} for. '' just not done. i called XXXX who is the issuer of the card. i was told someone would contact me within 24 hours. no one has. my guess is that if a card is not activated within a certain period of time paypower cancels it knowing full well that the recipient either never knew the original amount or has forgotten. if the card was purchased by an individual to pay bills etc., that 's a completely different situation. prepaid cards should remain usable until the expiration date. THIS IS A RIPOFF!!! i have a card which someone paid good money for that is now worthless. PAYPOWER/XXXX can not be allowed to cheat consumers with impunity. i hope the full powers of the CFPB will be brought to bear against these unethical entities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: Home Depot is reporting a 30 and 60 day late payment for the corresponding months of XXXX and XXXX 2015. What happened was that I have this account on auto pay from my bank ( XXXX ) and they neglected to make the payments and was told that it was due to a processing error. I spoke to Home Depot and they did credit me the late fees for both months, however they did not reverse the late payment reporting to the bureaus, which is why I am writing to you today to seek your assistance in this matter since its affecting 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 05-09-2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX XXXX XXXX sold my mortgage to Nationstar about 2 years ago in XXXX, I have been having numerous issues with making my payments and with payments being sent in before the XXXX of every month, they have put payments in escrow or in a suspense account, instead of applying the payments to the actual payment or to the principal. I have even sent in extra money to apply towards the payment and the extra monies were placed in a suspense account, and later Nationstar will charge late fees to my account upwards of {$300.00} every month, which notes as a full payment late on my account. I have also had full payments mailed back to me with no true explanation, which also started with XXXX XXXX XXXX. Also, my mortgage payment has NEVER been the same amount. Every statement I have received since dealing with this company has been a different amount. I have a fixed rate mortgage, but for some reason my bill changes monthly!!! I have called several times to settle this matter, however no one can give me an explanation other than saying that my payment is late. I have asked several customer service representatives how to get my payment to a consistent amount, however I am just told to pay what I owe, and even if I pay several hundreds of dollars over that amount, I am still reported as late, and my extra payment will be placed in the suspense account again! Even with me making my payment on time, this company has reported me late to all three-credit agencies for several months. I have no other options, as speaking with Nationstar has gotten me nowhere, and they do not seem to care. I am desperately trying to repair my credit and I have no other blemishes on my credit report, except for Nationstar who I pay ON TIME every month!!! I have every statement sent and every check that I have sent in. I have even tried to wire them the payment, which is still reported as late. I feel as if I will never be able to pay off my mortgage at this rate. My credit has taken a significant hit with this company. I have had them send me a copy of every transaction since I was sold to them and nothing seems to make sense. All I want is for this situation to be corrected. This has been stressful for my husband and I, as it has ruined our chances of obtaining other properties and getting reduced interest rates on other loans. I think a fair resolution would be for Nationstar to contact each of the credit reporting agencies and explain that we ARE NOT late on our mortgage ( they have not reported since XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In XXXX of XXXX Mercedes Benz Financial Services agreed to change my payment due date to the XXXX of the month instead of the XXXX. Since I was hospitalized and due to me recovery I needed to push the date my payment would pull from my account. I never had a late payment with this company before. They sent me a letter confirming the payment date change. In XXXX I made my payment online on XXXX XXXX they did not pull it until XXXX XXXX, which still would 've been 23 days. They then reported a 30 day late payment to the credit bureaus. When I called them regarding this they then told me my payment date was changed back to the XXXX. I was then told that they would make the change and removed the derogatory, they told me to send my request in writing which I did. I recently receive a second letter telling me that my date was changed back to the XXXX of the month. Then a second letter stating that they are not going to remove the derogatory, this is unethical and unprofessional. I have written to them and tried to call to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: original date of plus loan XX/XX/2007. paid for many years. I am a XXXX with limited income. I have called and spoke to several customer service agents. loan as been deferred many times. it seems like they like when I do that. the accrued interest on the loan is the same as the loan itself. when XXXX sold to navient, consumers do not have a clear print out of how much money you paid. its an upward climb. and the interest rate is so high. there is no one at Navient that can really advise you to help pay this loan, or write off some of it so you can set realistic payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from '' date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Bank account or service (Other bank product/service) with PENTAGON FEDERAL CREDIT UNION (NC).
Issue: Account opening, closing, or management

Complaint: Someone opened an account with PENFED Credit Union under my name last XXXX 2015. I found out about this this past XXXX. I have called PENFED 6 times, faxed them my police report 3 times and have yet to hear from them with any followup from the Fraud Dept. I am very concerned that there is no follow up or concern for resolution with this issue.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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 disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting eve ry 2 to 3 mon ths updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.

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 05/29/2016 about Debt collection (Credit card) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being harassed by ERC collections over my son 's credit card debt with phone calls and dunning letters. We have the same name but I have nothing to do with the debt. I have told them this on the phone but the relentlessly harass me with more calls and letters. I am XXXX years old and not well anymore. Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: XX/XX/2016 I signed up for a promotional offer of a CitiGold Checking Account that would credit my account with XXXX ThankYou Points. I received the promotion in a letter with the offer code XXXX which was applied while opening the account over the phone with a Citi Representative. The representative confirmed for me that the promotion would apply to my account if the qualifications are met. 

I called Citi multiple times over the course of XX/XX/XXXX and XX/XX/XXXX to confirm that I met the qualifications for the account and that my account would be credited. I was told multiple times that I did in fact meet the qualifications and that my account would be credited within the next 2 months. Recently I had an investigation opened asking why the account was n't credited, and Citi responded by stating that the promotion was not on my account. 

I feel as if I have been lied to and cheated, this type of deception should not be tolerated.

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 01-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: An address was updated that is not mine. It is from a scam loan servicing company that I am trying to stop payment for. They promised to give me student Loan relief but I received a letter from federal loan servicing and they have not recieved any payment from them or me. I have stopped these payments through my bank account. And I am in process of trying to get ahold of them to try and get my money back. I have no further dealings with them as I am now paying off my student loan directly through the government website. I would like this information taken off 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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a debt. from a health care company turned over to collections with XXXX XXXX XXXX. I paid this account in full and it is marked paid with a XXXX dollar balance on all of my credit reports. XXXX agreed to remove it from collections on my credit report since it had been paid in full and the original balance was only {$130.00}. However, both XXXX and Transunion refused to remove the item from collections on my credit report, even though the account showed a XXXX dollar balance on both reports. Both comapanies told me they could not do anything for me unless XXXX XXXX XXXX sent them and electronic agreement that they wanted the item removed from my credit report. I contacted XXXX XXXX XXXX multiple times and they repeatedly claimed they sent this request to all three credit bureaus and can do nothing else to help 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 01/19/2016 about Consumer Loan (Installment loan) with Risecredit, LLC (OH).
Issue: Managing the loan or lease

Complaint: I took a loan for XXXX and I 've made over XXXX payments for each month, and I 'm still owing XXXX after making payments totaling XXXX after 3 months. I 've made XXXX payments since the middle of XXXX XXXX, XXXX. They have me schedule to pay the loan in XXXX XXXX, but since I 'm sending extra they now have move the payoff day to XXXX XXXX instead of XXXX XXXX. With the payments I have schedule their going to earn over XXXX extra in fees and interest for a loan to be paid off in less then a year. The name of the company is Rise XXXX from of the Internet.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (TN).
Issue: Account opening, closing, or management

Complaint: My father 's health is failing and he has XXXX XXXX. He has XXXX daughters of which XXXX is under indictment XXXX, her arraignment was yesterday ( XXXX XXXX, 2015 ). Myself and another sister gained joint POA over our father in XXXX 2015. The XXXX daughters united and currently have a civil case against the XXXX under indictment. This XXXX sister called Suntrust Bank and said that my fathers account was being used fraudulently and that it should be investigated. Suntrust put a freeze on my fathers account, jointly owned with my sister who has joint POA and is the XXXX party payee for VA for my father. He has no income now and they can not make their house payment or pay for monthly medical expenses. There is no court order to freeze and no valid reason to freeze. On XXXX XXXX, 2015 we sent a copy of the POA, a letter from the XXXX XXXX XXXX, and a copy of our case against the sister under indictment ( the XXXX who called Suntrust and requested investigation ). We had the Detective call Suntrust Bank and talk to the individual who put the freeze on and she still would not listen. The representative for Suntrust, XXXX XXXX XXXX, was unwilling to discuss or offer a number that we could call to dispute. She said ... '' get a court order to remove the freeze ''. My father is without funds and has no way to support himself. My sister does not work and is the fulltime care taker for my father. We will now retain an attorney in Tennessee to fight this but the bank had no documentation to support this freeze and is discriminating against my sister for unjustified and undocumented claims.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2015 about Consumer Loan (Installment loan) with EMPIRE FINANCE CO LLC (MO).
Issue: Problems when you are unable to pay

Complaint: Empire Finance has harassed me as well as my family and other references about a loan in my name, I have tried to resolve this issue bioth with the local office as well as there corporate office. I also have now been sent harassing letters threatening to sue me, I have now retained legal counsel.

Company response to consumer: Closed with explanation