milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Subject : Billing Statement Dear sir/madam, This letter is regarding my Home Depot Credit Card Interest rate. I must begin by saying I have been a loyal customer since 2015. I have always paid my dues on time and I always pay more than the minimum requested. Home Depot uses promotions as an appealing way to entice their customers to join their credit card services. I signed up for the home depot card with the entry offer being 12 months zero interest. So, I was quite surprised with I opened my online statement and see that I went from a zero percent interest rate to a {$210.00} interest charge, especially being that my bill was only a remaining balance of {$560.00}. When I called Home Depot to discuss the large interest charge I was told the following : Customers are given zero percent interest rate for the first 12 months. I kindly asked where home depot came up with the calculated large amount considering the remaining balance was so low. The representative went on to explain that in the fine print of the final statement it states that if the remaining balance is not paid before the final statement, then the customer is charged a 12-month interest rate of 25.99 % for the year. The representative went on to explain that no one can assist with adjusting the rate and I have no option but to pay the increased rate.
So, Home Depot went from what I thought was a zero percent interest rate to now a rollover interest rate of 25.99 %. So, 25.99 % of {$560.00} is {$140.00}, yet I am paying a 37.6 % interest rate for the year. So, not only am I blindsided with their fine print agreement but I am being charged interest on top of the interest rate. I feel betrayed that I as a loyal customer for 3 years with no tardiness and paying more than the minimum due that Home Depot would not do more to personally notify their loyal customer of such an increase and make matter worse do nothing to assist them. This is a way for conglomerate companies to take advantage of their loyal customers and charging an in-interest rate of 37.6 % is outrageous.

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 01/27/2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have a charge off account with University XXXX at XXXX that has been paid in full. I have alerted all XXXX major credit agencies to inform them with accurate information. Provided the contact information of the original creditor which is XXXX XXXX XXXX ( XXXX ) whom works at the university and is in charge of the account ; so they can confirm/verify that the account is paid in which agreement was made to have the account deleted from all reports. Each credit agency failed to follow through with my investigation even after I gave them the contact information. I keep getting the same results from them stating '' consumer disagrees, account is accurate ''. That is wrong and incorrect. If they follow through like they 're supposed to then they will find out that the account is indeed paid off and that the original creditor agreed to delete this from my credit reports.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in XXXX i sent notice to all the credit companies about fraud on my credit. They all fixed it but Experian. They left a few things on there. I want them removed asap please

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 08/14/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company has given me the runaround concerning insurance loss drafts for four months now. I sent them a $ XXXX check from my insurance company for water damage repairs. I have two contractors. One to remove mold and one to replace duct work. The mold contractor finished their job two months ago. The duct work replacement begins mid XXXX. I have requested full payment for the mold contractor for two months now. The mortgage company suddenly had additional forms I had to submit that they did not send in the first packet of XXXX forms and threw up all kinds of roadblocks and delays imaginable until they finally agreed to pay the mold contractor. I received the checks today ; however, instead of providing full payment for the mold contractor, half of the mold contractor payment was provided and a third of the payment for the duct work contractor who does n't even start work until mid XXXX? All I wanted was full payment for my mold contractor that finished their job 2 months ago. The mortgage company is still holding $ XXXX for the duct work contractor. Who can help me?

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I am writing regarding the Wells Fargo situation in which many, many accounts were opened without customer authorization. It happened to me in 2012 at the XXXX, N.J.branch There were XXXX accounts that I noticed in my online profile that I did not recognize. I called their XXXX number, explained what I saw and was told they would investigate. They told me the accounts were opened by a XXXX XXXX in person at the branch. I never opened any additional accounts at the branch and never heard of a XXXX XXXX. What they did n't tell me was that they were shutting down my accounts until they investigated. As a result I had no access to my money for 2 days. I went into the branch looking for the branch manager at the time, XXXX XXXX. I explained why I needed to see him to several people on different occasions but was told every time he was unavailable. It seems he was forewarned of my anger and was too guilty to come out and see me. I then formalized my complaint in writing and it was sent to a XXXX XXXX for review. After 2-3 days XXXX called me and said there was no wrong doing. To me this was a flagrant cover up by these XXXX individuals. Just recently, I contacted the wells hotline at XXXX and explained what happened. The woman I spoke to was very understanding and did confirm there were accounts opened under my name without my authorization back in 2012. Simple and to the point, accounts were opened without my authorization unlike what the XXXX people I have mentioned told me. I gave her the names of the XXXX people involved and she assured me my case would be re-opened and reviewed. Of course I would not be informed of the outcome of their investigation! Well, at this point I ca n't trust that any investigation would actually be done by Wells Fargo as they had covered up this situation before. For this reason I am writing to the CFPB. I did not incur any fees as a result of their actions so I am obviously not looking for any money, but it truly angered me to the core that they would do this to a 30 year customer of their bank. I keep seeing a figure that XXXX people were fired for doing the exact same thing these XXXX people did to me. XXXX person fraudulently opened the accounts ( XXXX XXXX ) and XXXX people covered it up ( XXXX XXXX and XXXX XXXX ). From what I understand, these XXXX people are still employed by Wells Fargo and they should be punished for their unlawful and unethical actions.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Bank account or service (Checking account) with BANK OF THE WEST (CO).
Issue: Problems caused by my funds being low

Complaint: Bank of the West charged a {$36.00} fee for a check paid on XX/XX/XXXX due to insufficient funds/overdraft. The account statement shows that there was enough money to cover the check, and there was money left in the account on XX/XX/XXXX after paying the check.

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 04/17/2017 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On   XXXX   XXXX   I submitted a dispute to all three CRAs. I have received the results from   XXXX   and  XXXX , but not  XXXX . However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against  Barclays Bank of D elawar e in Court. E ach report is reporting a different date that the account is open, the highest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed d ate. Dispite  providing each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt . Barclays Bank  has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.

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 12-01-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar is foreclosing on my home on XXXX/XXXX/XXXX despite the fact that I originally requested assistance from XXXX XXXX XXXX who serviced my 1st and 2nd mortgage. There has been numerous owners of my loan as well as assignments of which I was never given notice, furthermore, the Assignment of Deed of Trust executed on XXXX XXXX, XXXX, shows XXXX as Nominee for XXXX Lender transferring/assigning to XXXX Bank XXXX, the Holders of the XXXX XXXX XXXX Securities, with the Trustee being XXXX XXXX XXXX XXXX XXXX On XXXX XXXX, XXXX, a Corporate Assignment of Deed of Trust was executed for value received from XXXX XXXX as Trustee for XXXX XXXX which assigned and transferred to Nationstar Mortgage. On XXXX XXXX, XXXX a Substitution of Trustee was executed from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX which I received no notice, in addition less than one month a Notice of Default was filed on XXXX/XXXX/XXXX, how could XXXX Nominee for XXXX Lender substitute the Trustee when the loans was transferred to Nationstar prior? XXXX XXXX XXXX who serviced my loan after the fall of XXXX Lender wherein, my loan number was XXXX collected my mortgage payments for years however, I do n't see them on any transfers or assignments, and this point, I feel I have been shuffled around with no one offering any mortgage assistance. My home is currently worth {$600000.00} maybe? I have requested numerous times a principal reduction from XXXX XXXX I currently owe, however, Nationstar will foreclose the property with less money rather than assist me in keeping it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: National Credit systems is reporting my debt collection on my credit report for {$880.00}. We offered to pay it in full and get it deleted but they refused. It was sold to a Law firm without our knowledge. So national credit systems is reporting it and the law firm is collecting this is not ethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I called Barclays card customer service to change my payment automatic payment method on  XXXX   XXXX    XXXX  . The reason I was changing my payment method was due to the fact my checking account was closed and changed to a different banking institution.     I was denied the ability to provide my payment information due to the fact of the tone of my voice. I feel appalled because I have a deeper voice then what the customer representative felt a  XXXX   XXXX   XXXX  female should sound like. I find this offensive and disrespectful.     I even asked for th e manager  who I spoke to  XXXX  and I was still denied. I verified all security questions and even additional security questions not normally asked.     -Last  4  social -Telephone number -Birth date -My husbands name I even offered my full social or mailing and property address.     This is very disrespectful especially when all I wanted to do was make sure the payment was paid on time. I am already having a hard time trying to make my payments and for them to make it more difficult for me is insane.     Being discriminated because I sound like a male? is that what this world has come to? what if I looked like a male in person or a female? Discrimination is a crime and I want this taken care of.     I was then asked to send in a copy of my ID and or utility bill to verify it was me. The funny thing is it was going to take  2 w eeks for them to verify me?     In my mind i was thinking how about my  XXXX  profile. Again Absurd I know however I am furious.     I want nothing to do with your company no longer. Especially since you are making it so difficult to make payments.     Charge off my balance!!! need I say more to discriminate someone by the sound of their voice is inhumane.

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 10-06-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit card protection / Debt protection

Complaint: I have rented a car XXXX and paid the rental amount with my credit card. After that, i have received almost {$1500.00} bill from the same car rental company for damages to the car which i was not agreed. The rental car company had forged my signature on a paper to charge my credit card and bank of america has denied my dispute even thought the signature for forged ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Debt collection (Other debt) with Bliksum, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I took out a loan from a company called " Loan me '' in XXXX of 2015 of the amount of {$2500.00}. I received a phone call from my sister that someone named XXXX contacted to verify who I am and where I live, she also contacted several other people in my family and job to get in touch with me. When I called XXXX she told me that she works for a company called " XXXX XXXX XXXX '' in good faith I gave her my account information because I know I took out this loan and set up a payment arrangement with her which was going to be {$400.00} a month over the course of 2 years with no interest ; however, when I looked up this company there is no information of its existence. I asked XXXX to send me a letter to confirm that she works here and I got an address which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number is XXXX. When I look up this address it is showing that it is a XXXX XXXX. She threatened to take me to court and sue me for the {$4800.00} and guaranteed me that I would loose in court. After I hung up the phone with her something did n't seem right. I started to do my research and contacted Loan me to see where my debt had gone and they told me that it got sold to " XXXX XXXX XXXX '' and that they ca n't give me anymore information not even a number to contact them and that I had to look it up. After looking up the company XXXX XXXX XXXX, I am still not able to find any information on it. All I would like to do is find out where my debt went and see how I can settle this because none of these companies that are calling me or non- existent. I went ahead and cancelled my debit card and reported it to my bank but now I am back at step one.

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 CITIBANK, N.A. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Stolen Account what account open in my name stole identity online purchase

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Had an Experian report mailed to me and noticed that my oldest credit card is completely missing from my report. Its a 4 year old   XXXX   XXXX    account that I still have opened and is in great standing. This account only has three 30 day late payments in  XXXX ,  XXXX  and  XXXX . No major delinquencies at all. I called Experian ( XX/XX/XXXX ) to notify that it was missing and the rude representative stated it was a delinquent account so they removed it. The   XXXX   XXXX   account still reports to   XXXX   and  XXXX  perfectly. If they just remove delinquent accounts at their leisure, then why do n't they remove my student loans??? Everybody knows that   XXXX   XXXX   reports to all  XXXX  bureaus! To make matters worse, the mentioned account appears on my fiancees Experian as we share the same account. We also share another ( younger )   XXXX   XXXX   account and that account shows on both of our reports but the oldest account does n't show on mine. Apparently the name of the game is to keep the bad accounts and mysteriously delete the good ones? This is beyond ABSURD!!!!!

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 03/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loans have been in forbearance or deferment status since I graduated in 2011 because they have not offered me a monthly payment amount that I can afford. I have tried to apply for income based multiple times, but they encouraged forbearance. Now the interest is almost up to the total I owe, around {$56000.00}. In looking at income based repayments, my total will go up over {$30000.00} just so I can afford a payment. My wife also has outstanding student loan payments and we can not afford hers and mine at this time. They have not been helpful and now I have a missed payment on my credit report because they did not enter a forbearance request in a timely manner. In addition to all this, my degree came from XXXX XXXX, which has now just down for improper practices and fraud. I believe they were working with XXXX XXXX to purposely make my loans default. 

XXXX XXXX XXXX XXXX IN

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have XXXX accounts listed on my credit report by a collection agency called " Portfolio Recovery Associates ''. I have disputed both with XXXX and the response was a remark on my report indicating " XXXX ; & gt ; PLACED FOR COLLECTION & lt ;. 
Under loan type XXXX are listed as " FACTORING COMPANY ACCOUNT ''? I have no idea what that is or what it means. 
I have requested documentation such as signed documentation that these are my accounts as well as payment history to show where they came up with the dollar amounts listed. Neither XXXX nor Portfolio Recovery Associates have provided any documentation. Simply the notation on my credit report that the investigation is complete. 
How does a collection agency get to throw items on your credit report without any documentation whatsoever? What recourse do consumers like myself have?

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I would like for student loans to be canceled

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (ID).
Issue: Trouble during payment process

Complaint: My Mortgage company has pulled a double payment from my account. I called the and they told me I need to go through a process to get the payment back. This makes me late on the rest of my obligations. I made a mistake earlier in the month on my payment and got this resolved through my credit union. I looked at my account on the XXXX of the month and it said my payment was returned because they could not find my account. Also Early this past year I was going to refinance my loan with this company and the loan officer ( XXXX ) told me there would be NO FEES to complete this process. At he end after getting all the documents for Carrrington and was time to complete the refinance the truth came out on all the fees. This lender is very deceitful and I want both problems looked into Please. I have a more problems then anyone needs to go through. Thank you XXXX XXXX. PS I 'm not positive the is a FHA Loan

Company response to consumer: Closed with explanation