milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BB&T CORPORATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a horrible experience with my mortgage from BB & T from the start. However, this latest issue has really frustrated me. My intention from the start has been to pay {$1600.00} towards my loan, XXXX a month. My monthly payment is around {$2700.00} and the remainder is to be used to reduce the principle. The reason why I am paying XXXX a month is to reduce the interest that accrues on my loan. After contacting the bank today, I learned that they do not apply my {$1600.00} payment to the balance of my loan until the full monthly payment is received. The money sits in a " suspense account ''. Therefore, I do not pay less interest at all. However, BB & T has my cash that they can use to invest and earn profits for themselves!!! Their customer service told me that their system is not set up to support bi-monthly payments. 
However, on top of all of that, BB & T sold my personal information to multiple organizations. Since closing I have received multiple letters in the mail from different companies offering to help me pay my mortgage and suggesting that I consider making bi-monthly payments because it will reduce my overall lifetime mortgage cost. It is just wrong that BB & T does not offer bi-monthly payments to their customers but will sell your information to other companies offering to do just that! 

This is just a fraction of my issues with BB & T. In addition, they lost my original loan paperwork with all of my personal information on it. To date I have received no follow-up on that issues, so as far as I know it 's still lost. And, I had a horrible experience with my mortgage loan officer who was incompetent and incredibly rude. I would refinance in a heartbeat if it were n't so costly!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I 'm a long time highly qualified XXXX customer I came from XXXX and in the last month chose to participate in an application for a credit card at a local branch here in XXXX with a XXXX XXXX XXXX. 
I was informed that I was declined for the credit card despite my XXXX credit score and very healthy balance at your bank that made little sense. I was told to await a response for the decline and explanation and I did as instructed as the explanation for the decline was vague- I did n't honor a commitment as agreed upon in the last XXXX years so I had been working w the branch assistant mgr XXXX XXXX who informed me of a loan modification or short sale purchase a negative inquiry on my credit report pulled by XXXX. I actually called all beureaus knowing that was a mistake and I have a copy of each of my XXXX page credit reports on hand and documented conversations with the bureaus informing them of XXXX decision to decline me for a credit card where I had them cross reference my reports in case I was illiterate as there was nothing of the sort to indicate any commitment I 've ever made and not paid, nor any modification but further no documented negative record from XXXX nor equifax all of which I have on record. I 've called XXXX XXXX customer service who insist that 's not what they see, the bureaus do n't lie and I find this to be highly offensive but still I have patiently worked w XXXX XXXX whose instructed me that he 's escalated the manner as theirs XXXX evidence to support the contentions behind the decision to decline my credit.. Both bureaus have instructed me to have this investigated and that is now what I fully intend on doing as I 've given ample opportunity for XXXX imaginary bureau with such contentions to resolve that error but instead I 'm further ignored burdened with coming into the branch w my documents of proof. I have mine and the burden is on XXXX now as I 'll make it a personal mission to proceed with the mishandling and continued disregard of error and lack of ownership and report this to any and all governing institutions to create awareness.. Again I have both my discussions w the bureau and ur staff member on record.. 

FYI- complaints and investigations forthcoming at this point just for starters.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NH).
Issue: Loan servicing, payments, escrow account

Complaint: I have a 30 day late on my credit report when the money was paid and out of my bank account and with Ditech. Here is the list of events that have happened over the past 3 months. 
XX/XX/XXXX - made a {$200.00} payment toward my mortgage payment that was due on XXXX. 
XXXX - made full payment of XXXX because the online and automated system will not allow a payment of anything less than a full normal payment XX/XX/XXXX - called to make my payment due XX/XX/XXXX. I called because I was going to make the payment minus the {$200.00} that was still sitting in my account since XXXX XXXX. The CSR was great. She saw my {$200.00} and said it went to late fees but it could be reallocated and all I had to pay was the remainder of the payment which was XXXX. She took that from my account for me and waived the {$19.00} fee because I did n't have another option to make that payment due to their online limitations. She assured me I was all set. 
XX/XX/XXXX went to make my payment online and was past due. Called customer service to straighten it out. They said my reallocation requested was submitted on XX/XX/XXXX but did not have a decision yet. I was hit with a 30 day late on my credit report for XX/XX/XXXX. I asked for a manger and spoke with a man named XXXX. He assured me that it would be looked at ASAP and he would get back to me on XX/XX/XXXX either way. He never called. 
XX/XX/XXXX - I called customer service again. My reallocation was not complete and no one could answer me. The girl I talked to sent him an email and I left him a message and still no response as of XX/XX/XXXX. 

I am beyond frustrated beyond words. First of all I was told I was all set for XX/XX/XXXX by a customer service representative and I was not. Then my credit took a hit which it should not have. I paid XXXX. Then I call to resolve the matter and it has been over a month and was never even looked at. I do not know if my credit will be hit again for XX/XX/XXXX. Ditech had my money and did n't put it to my payment and then caused a hit on my credit. Then they have yet to resolve the issue ... ..over a month later!! Then to top it off, I can not get a response from this company and/or the manager that I spoke with. I can not get anyone to work with me and help me. All calls are recorded and I even asked them to pull my phone call from XX/XX/XXXX so they could see that I was told I was all set. I can only go based on what customer service tells me. No one will follow through or follow up with me and I need to get this resolved so my credit is not ruined any more than it has been due to their incompetence.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am victim of Mortgage Fraud perpetrated in 2007. I was approached in 2007 to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the Asst. US Attorney in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Vehicle loan or lease (Lease) with PRESTIGE FINANCIAL SERVICES INC (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Prestige Financial Services has been constantly calling me, threatening me and harassing me at my place of employment. I 've received calls from them on the following dates below : XXXX XXXX, XXXX ( 2 times ) XXXX XXXX ( 2 times ) XXXX XXXX, XXXX ( 2 times ) XXXX XXXX, XXXX ( 2 times ) Weekend XXXX XXXX, XXXX ( 2 times ) Weekend XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX I 'm making payment of the vehicle as scheduled but for so me reason, they representatives do n't communicate with each other on the status of my account so they take turns randomly calling and harassing me. This is causing me to be unproductive at work due to the constant harassment from them. They should NOT be calling me and harrassing me with threatening phone calls at my place of employment I need it to stop immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Trouble during payment process

Complaint: My property tax is paid with my mortgage payment via SLS Mortgage - the loan servicer. 

In XX/XX/XXXX, I called SLS Mortgage to find out what the process would be for receiving a refund if I decided to directly pay my 2nd property tax installment by XX/XX/XXXX. I was told that it was a simple process to be reimbursed for the pre-paid property tax ; that I would just need to fax or mail SLS a letter requesting the refund and a receipt from the County proving that I had paid the tax. I was clearly misled when I was told that it would be a simple process back in XXXX. 

Based on what I was led to believe, I prepaid my 2nd property tax installment by XX/XX/XXXX, and did exactly what SLS required in order to receive my refund from the escrow account. On XX/XX/XXXX, I mailed all verification of the paid tax. However, as of today, XX/XX/XXXX, I have NOT received my money back from SLS. 

I have been calling since XXXX, and have been given the run around by various departments at SLS.  I believe that SLS is illegally holding my funds. Please have SLS release my money immediately.

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 01-06-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: equifax is report a acct that on XX/XX/2016, on XXXX i dont live there

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: For the past XXXX month I 've had hard inquiry 's added then removed bringing my score up then down XXXX new inquiry 's

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 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient has reported severely late payments on my student loan accounts ranging from 60-180 days past due. During those reported late payment periods, the account was granted a forbearance. No payments are due while loans are in forbeance, therefor no payments should be reported as late. My loan account was consolidated and moved to a different company and is no longer open with Navient. Although this account is no longer open, these late payments are still being reflected on my credit repot, and are preventing me from obtaining a first time home buyer loan. I sent requests directly to Navient asking for the late payments to be removed, and recieved a denial. I then file disputes with all XXXX credit reporting agencies. All of these disputes came back with no changes being made to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: This issue is related to XXXX XXXX XXXX offer added to my account. Per offer, I was supposed to receive {$25.00} back after enrolling for a new membership at XXXX XXXX XXXX. However, after waiting for a few days, I contacted CS to see why the credit did n't post. At first, I was told that the charge posted for this offer does n't qualifies for the credit. After explaining to CS that it does qualifies, an investigation was opened up. Today, I inquired on the status and was told that the charge was not valid. I got disconnected before I could respond. When I inquired again, I was told the investigation is still on going. I am not sure if the issue is actually being investigated or not since I have received conflicting answers from CS. Can someone from the executive team look into it? I joined XXXX XXXX as a new member and never had a primary membership. I have emails from XXXX XXXX which was sent out after I took the membership online. Please let me know if you need any other information. Since I can not post my card number here, you can find me by my email address - XXXX or by my zip - XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2016 about Bank account or service (Checking account) with U.S. BANCORP (UT).
Issue: Deposits and withdrawals

Complaint: I have had an account with US Bank since 2008. I opened it in conjunction with opening my son 's as he was joining the XXXX. At the time, I intended to add my husband but forgot about it. My husband received a check for {$2200.00} of which he signed and I deposited into my US Bank account. It was to help us catch up on our mortgage payment ( he recently had his paychecks cut in half for 4 weeks ). Not realizing or thinking he was not on the account, I made the deposit via the ATM in time for the automated mortgage payment. When I checked the account the day the mortgage pended on the account, I noticed a hold for the deposited check. I was worried about the mortgage not clearing so I called US Bank 's call center. I was informed that everything was okay. It was just a hold even though I told them it was available early that morning and there may be an issue. I was reassured and so I accepted that. The next morning, I checked the account to my overwhelming frustration, they had reversed the deposit, returned my mortgage check, and charged an overdraft fee. I then called again frantically and asked for the check back or if I could pick it up so that I can get the {$2200.00} ( a big check for us ). I was informed that the check is in the mail and that it is out of their hands and that this is the process. It was my mistake. I emphasized that I called the day before, requested an opportunity to talk with someone that could help, and was reassured it was okay. All that did n't matter and I had to wait for the check. Four days later I received a COPY of the check with a note that it is like the original. How in the world am I going to deposit this to any other financial institution? My husband is a XXXX and would not be in town to get added to the account. Their only solution was for me to deposit in another banks joint account. So, now I am trying to make a deposit that looks really questionable, then I need to get that money and go back to USBank all in time for the mortgage check to clear as they will resubmitted it. Yes, I made a mistake, but I attempted 3 times to resolve from the moment a problem appeared. Now I am let to handle this on my own and they have charged me a fee for it. I am so 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 03/27/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent letter to all three bureaus seeking proof of accounts & bankruptcy but they keep saying all accounts and Bankruptcy are verified not giving any proof. But as per the Act every bureaus should provide valid proof. 
I need to know the next steps and what 's legal remedy we consumer have

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 07/22/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (PA).
Issue: Account opening, closing, or management

Complaint: Paypal sent me a notice that my account was put on hold because a person with a similar name had a negative balance with Paypal. I called and explained that I was not that person and not responsible for this account. Paypal refused to de-link the other account unless I paid the negative balance. 

I tried to close my Paypal account, but Paypal will not let me do that until I resolve the other person 's past due balance. This is fraud and most certainly illegal under the laws of the United States. I am not responsible for the debts of another, and I am not willing to allow Paypal to keep my account active. I will use other forms of payment from now on.

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 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: i have been disputing this entry from   XXXX   XXXX   several times and the 3 bureaus keeping saying that after their investigation they show thin information is correct

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There's a hard inquiry on my credit report I'm terrified of Airplanes I'm for certain I didn't apply for a credit card to receive discounts to fly the compay is XXXX XXXX and also I have closed student loans on my account that should be removed or i would like for them to be removed as well

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 08/26/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016 my home was damaged by a hail storm. Following the inspection by my insurance adjuster, I contacted my mortgage servicer, PennyMac, on XXXX XXXX, 2016 to initiate the claim process and determine what documentation would be required to repair the damage to my home. At that time the specialist informed me that I am able to act as my own general contractor and emailed me the claims package with the required forms and all documentation I needed to return. The specialist was very clear in her instructions, detailing all information I need to provide on the notarized Mortgagor 's Affidavit and as well as the information I needed to include the letter stating that I will act my own contractor. 
Once all required documentation was collected and the claim checks received by the insurance company, I overnighted all information to PennyMac on XXXX/XXXX/2016. On XXXX XXXX, 2016 PennyMac received all documentation in the overnight packaged and proceeded to deposit the insurance claim checks on XXXX/XXXX/2016. 
Based on the information I received from the PennyMac specialist on XXXX/XXXX/2016 and after receiving the insurance adjuster 's damage estimate, I began to make the necessary repairs to my home paying for the materials from my personal funds, based on the knowledge that I was able to act as my own general contractor. 
I did not receive any correspondence or other communication from PennyMac with the status of my claim. On XXXX/XXXX/2016, I called PennyMac and spoke to another specialist who informed me that my account was in " Express Monitor '' status and the accounts payable department is in the process of creating your disbursement of the full amount of insurance claim. She informed that it can take 4-5 business days and advised that I call back on XXXX/XXXX/2016. When called back on XXXX/XXXX/2016, a new specialist informed me that more documentation was needed and I need to return a signed work contract, lien release and XXXX from a licensed contractor to get my funds released. The specialist said that I am not allowed to act as my own contractor. This is in complete contradiction to the information that was provided on XXXX XXXX, 2016. I 'm begin to occur interest on the out pocket expenses and not sure what recourse is available to receive the insurance claim funds that PennyMac is in control of.

Company response to consumer: Closed with explanation