milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: on XXXX/XXXX/17, I submitted a complaint against XXXX XXXX XXXX. in which the account was closed with no monetary responsibility on my behalf. Every credit bureau has since then removed/closed the account from my credit report except TransUnion, they are continuing to report this closed account as open and derogatory. I have documents proving my argument.

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 06/22/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: Bank of America ( BOA ) refused to refinance my HELOC into a regular mtg on 3 occasions. I have XXXX properties that are paid in full & can be used as collateral & a monthly income of {$2500.00}. The HELOC 's current balance is $ XXXX and the XXXX properties that can be used as collateral are worth $ XXXX. I 've been making monthly pymnts on the HELOC since year XXXX in the amt of $ XXXX/month... which is $ XXXX per year & now a total of $ XXXX so far paid solely to interest. Not XXXX applied to principal. This loan will never be paid off in this manner. My monthly income comes from the renting of XXXX of the properties and I reside in the other. The HELOC was taken out against the property that is being rented. I spoke to them again today ( XXXX/XXXX/XXXX ) about converting the HELOC into a regular mortgage so that my monthly payments would include both interest and principal and they informed me that when the HELOC matures in XXXX, the HELOC will convert into a regular mortgage. I am XXXX and my husband is XXXX. I fear that the bank keeps refusing to refinance my HELOC simply because they want to collect 2 more years of interest from me. On 5 different occasions I 've had some extra money and mailed it in to be applied to the principal of the HELOC. The payment coupon has a space for you to write the amt for principal only. Yet, BOA would never apply it to the HELOC at all. The additional funds sent would be held in a " floating status '' and then eventually be applied to our XXXX mortgage. How in the world can they apply funds to a XXXX mortgage account when they were to be applied to a HELOC account?!!! Each account has a different number! The pymnt coupon has everything clearly notated. There is no reason that they should not refinance my HELOC. We 've been a customer from XXXX thru XXXX with our XXXX mortgage. We made 36 yrs of pymnts & were never late. Half of our monthly income of {$2500.00} from the rental goes to the HELOC & the other half is used for food, utilities and medical expenses. We are simply trying to live our last years and be able to take care of each other. We are being taken advantage of & need your help.

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 05-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Have had a credit card wi th Amazon.com for a  while. They pulled an unauthorized credit report and closed my account prior to informing me, based on a medical bill that is currently being resolved. I have always had a good standing account with them. My current orders that are time sensitive will be declined and a negative impact on 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 06/29/2017 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: One company claims I owe them money I do not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2015 about Bank account or service ((CD) Certificate of deposit) with SUNTRUST BANKS, INC. (MD).
Issue: Account opening, closing, or management

Complaint: On or about XX/XX/XXXX I went to the local Sun Trust bank to open a CD. I was referred to the investment Rep, XXXX XXXX, to consider their " Sun Trust Index-linked Certificates of Deposit ( SILC ). I was given some paper work which I read and was told that the SILC was only available until the end of the month. I was not told and no where in the paperwork did I find any info indicating that they would charge a surcharge for opening the account. I opened an account for a {$50000.00} six year CD with a guaranteed return of 5.5 % at the end of the term but that it could be higher based on the XXXX XXXX XXXX. In early XXXX I received a statement indicating that my account with a settlement date of XX/XX/XXXX had a value of only {$48000.00} and a cost basis of {$50000.00} as of XX/XX/XXXX with an unrealized loss of {$1500.00}. I questioned XXXX XXXX as to what happened to the money. He said it was due to fluctuation in the market which I told him was impossible to have a drop in the XXXX of exactly 3 % on the day of the transaction. He later changed the story which he has changed a few other times and now says it is in the document that there would be a charge but he still will not tell me where in the document this info exist. In XX/XX/XXXX I received a XXXX for the {$410.00} interest but no mention of a fee. I obviously had to pay tax on the {$410.00}. It appears that they treat the income similar to other stocks or bonds but not the cost basis. I feel someone needs to review where those funds go. I have never heard that a bank charges for opening a CD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I asked to switch my monthly payments so that the higher amount due would go to the smallest loan so it can be paid off faster and was told no they cant i can do it myself but will be responsible for late fees or the loans paid in full.. I told them I would still be paying the same amount each month and was told theres nothing they can do to override that in their system. Also XXXX switched companies to navient with out my consent when asked if they will still contribute to u promise i was told yes but navient didnt link to upromise i also went from a fixed interest to variable and now my monthly payements keep rising even though ive called multiple times because i cant afford to pay. their suggestion was to extend term of loan, but that will only result in paying more in interest over the course of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: TD Bank is blocking me from being able to link my mobile wallet to my bank account. I need them connected so I can deposit if I decide to see assets.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STONEGATE MORTGAGE CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Stonegate Mortgage merged with XXXX XXXX XXXX. They suspended credit reporting last XX/XX/XXXX due to their merger, and they have told me they would resume reporting by XX/XX/XXXX. All payments have always been made right on time at the first of every month. My credit reports still show Stonegate Mortgage with the last payment date of XX/XX/XXXX and the balance as of last XX/XX/XXXX. I have repeatedly attempted to correct this via both email and telephone. XXXX XXXX is either unwilling or unable to report my payment history and balance correctly. My latest credit reports dated XX/XX/XXXX remain incorrect, with no history since last XX/XX/XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Blakely-Witt and Associates, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit reporting Companies suddenly Lower my score for no reason.About 79 points with XXXX and 73 points with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: As I am sure you are aware, the practice of Wells Fargo banks opening up accounts without authorization has been going on for a lot longer than the XX/XX/XXXX to XX/XX/XXXX time frame cited in the recent fines. When my wife and I opened a checking account in XX/XX/XXXX in XXXX, Texas with Wells Fargo, we were sent XXXX credit cards that turned out to be actual accounts instead of just pre-approved. When we asked about the accounts that we did not want, we were told that we had to have the credit card accounts because we had overdraft protection, and we were also told that we could not substitute our other credit card account in place of the unwanted ones. We cancelled the unauthorized accounts and our checking account remained in place, which caused us to think that the " requirement '' to have the credit card account was made up. We just had no idea this was a systemic problem as opposed to one overly aggressive employee.

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 08/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please help assist us, an apartment complex is collecting a debt client does not feel he owes. After further research client had electric in his name and was turned off. We have attached the supporting documents. The apartment complex states they do not own the debt as Hunter Warfield now owns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (Credit card debt) with Conn's, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: The computer was returned back to the store and management refuse to credit the merchandise. The store manager decided to attach the file amount owed to make me pay for a computer that was returned. This created a bad relationship between myself and Conn 's Department store.I truly tried to resolve these debt 's with Conn 's management.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I secured a loan with Santander in XXXX for {$22000.00} and have been paying {$550.00} which, total payments over {$28000.00} and was advised by the XXXX that I still owe over {$18000.00}. This company has been applying my payments toward interest stating it depends on what day the payment is posted that determine what will be applied to principle. I 've requested all payments and signed application and as of today, still have not received any correspondences from the lender. This is a very negative impact on my credit report and I 'm paying {$14000.00} more for a vehicle that is only appraising at {$6500.00}. I stuck paying back loan for additional year because of the hidden fees and misapplied payments. Unable to trade in vehicle because of the negative balance of {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Both equifax and XXXX have my account with XXXX listed has charged off or repossesed. My car I got through them was stolen on XXXX XXXX and I have the police report to prove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Over 10 years our grandson was in XXXX and a fraud caller ask us to accept collect call. The telephone number is no longers in service and was in my husband name. our new number is in my name and we get calls beginning @ XXXX and continuously all day from Enhanced Recovery Company , LLC with whom we do not any contract and never did business with them. I am XXXX years old and diagnosed with several health challenges and this harrassment cause me stress. please help!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I spoke with a representative of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida. XXXX ( XXXX ) XXXX. Regarding a collection account with XXXX XXXX. In speaking with this company, I argued that the collection about information on my report is incorrect and that I would consider making a formal dispute with the credit reporting agencies and contact XXXX XXXX to resolve the problem. The next think I noticed on my credit report a few weeks later is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with XXXX XXXX XXXX. Nor, have I made any type of formal dispute with them directly. Had I done so, I would have done so in writing. They continue to cause me financial stress and aggravation due to their improper reporting. <P/>I am not disputing that I was indeed terminated business dealings with XXXX XXXX over 5 years ago. In the State of Arkansas, all attempts to collect on this debt have long past the Statute of Limitations of 2 years for this type of account I have not yet disputed this account with the 3 major credit reporting agencies and as of yet, this information continues to appear on my credit report. <P/>There is also inaccurate reporting of the debt owed with an original debt of {$240.00} and an amount owed of {$240.00}. This would assume that somewhere, somehow, I made a {$1.00} payment towards this account thereby giving cause to this unscrupulous, to make changes in the reporting dates in an effort to coerce me into making restitution on a fraudulently reported account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Company ( XXXX / equifax ) obtained and stored my personal information without my permission. In the process of storing my information, they carelessly let my information be obtained by an outside source. 

They did offer me a 1 year credit protection service for free. 

2 problems : 1 ). The data breach affects me for the rest of my life. ( possibly 30 + years ). 

2 ). Dealing with a problem, caused by them, has already cost me several hours of work. 
Hardly free!

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have had accounts opened in my name with banks. One of these accounts is with BBVA Compass. I called them several times last XX/XX/XXXXto notify them of this account being fraud but they have not yet closed the account and are letting further fraudulent use of these account to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Received numerous telephone calls from Citibank late in XXXX stating that my account was " past due ''. When I finally reached a person there that I could understand, XXXX, on XXXX XXXX, 2017 she explained that my most recent payment was {$4.00} short of the minimum payment. I checked my records and agreed. I made an immediate payment for {$4.00} ( confirmation number given as XXXX ) and she advised it was received. She also stated that a {$39.00} late fee would be waived and {$60.00} in interest would be removed. ( Citibank had apparently changed my interest rate from 12.15 % to 28.24 % because of the {$4.00} error ) XXXX also confirmed that my interest rate would revert to 12.15 %. She advised that I would owe a XXXX minimum payment of {$88.00}. I made a XXXX payment of {$100.00}. I thought everything had been taken care of. I was wrong. The phone calls have started again claiming that I owe some huge past due balance. Help!

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 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: 2 accounts showing on my credit report unable to get a validation of the debt owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other transaction issues

Complaint: I sent a wire transfer from my bank to a receipient in XXXX to purchase products but the receeipent said they never received the funds. I called my bank several times requesting to get my money back but I was told to contact the receipient. the receipent is allways saying they never got the money and my bank is saying to contact the receipient. I allways thought money transfer is a safe way to send money but not in this case Please help me get my {$550.00} USD

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Deutsche bank has given me problems every month with my mortgage payments. XXXX XXXX deutsche bank began to return my mortagage payments and has file suit to foreclose my house. In return I have filed suit against deutsche bank to prevent them from foreclosure on my home. I have always paid deutsche bank on the first of every month with a personal check via USPS Certified Mail with Return slip option. deutsche since approx. XXXX has repeatedly held each monthly check past the grace period of the XXXX of each month so that they can turn around and charge late fees and penalties. They have also held my checks and randomly notified me that my checks did not clear my bank as a strategy to place me in default. I have checked with my bank when I was notified by deutsche that my check did not clear, and was told by my bank that deustche never submitted my check for clearing. I have tried in numerous occasions to remedy this problem that deutsche is creating and they have never tried to work with me. deustche bank also sent me their audit of my account back in XXXX showing proof of my mortgage payments and they themselves denied my proof. I have tried to seek shelter from bankruptcy and the judge discontinued my claim. I am XXXX years old and a veteran of the XXXX of 32 years 8 months and 11 days of service and it is apparent that desustche bank has made me their target. I have proof of all the USPS return slips with their signature that they received my mortgage payments. They are trying to take my house away because they do n't want to admit their errors. deutsche has run down my credit score in the process of not accepting my monthly mortgage payments. This is a reach but I feel through their actions against me that deutsche bank may be discriminating against my last name and discriminating against U.S. military veterans. My attorney is in possession of all my records relating to this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a promotional offer from XXXX XXXX to terminate my current lease by buying or leasing a new XXXX model. There were also several coupons for services to choose from if you took a XXXX for a test drive. On XX/XX/XXXX I went to XXXX with the intention of purchasing a vehicle, but after the air conditioning didnt work on the test drive vehicle and a payment plan couldnt be agreed upon, I left in my current lease. Without my consent or knowledge, XXXX XXXX issued a hard pull on my credit which is effecting my credit score. As I did not initiate a new lease or purchase I dont see why they should have pulled my credit especially after the sales man assured me my interest rate would be low when I verbally told him 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 02/22/2017 about Debt collection (Credit card) with Stenger & Stenger, P.C (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I could n't keep up paying XXXX credit card so stop paying I do n't work may hour on my job cause they were slow at the time but now I would like to pay all my debt

Company response to consumer: Closed with explanation