milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX reported all my accounts as 90-day late in XXXX  2017 when in fact my forbearance covered the following  months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with XXXX since XXXX/2017 and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to XXXX regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to XXXX advocate department on XXXX17 to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.

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 11/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ashton & Weinberg, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The collection agency has contacted my place of employment several times pretending to represent a law firm. Due to the perceived urgency of the call, the front desk secretary transferred the calls and gave the agency my direct extension. I have verbally asked them not to contact me at my place of employment 3 times, however, they continue to call. I also sent a letter requesting the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are hard inquiry on my account that I did n't authorize. 
* XXXX *XXXX XXXX XXXX XXXX XXXX *XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: My home has been foreclosed upon and we have exhausted all appeal remedies ( even though the appellate court had to rule against itself in denying my appeal ). However, I have also been asked to participate in the Servicer 's Home Retention Program. The Servicer is Select Portfolio Services , Inc. They accepted my application in the program awhile back, and numerous stays, all at only 45 days each, from selling my property, have been granted by the court. However, since there have been so many of these, the Court required that a hearing take place to stay the next sale, set for XXXX XXXX, 2017 -- a week from tomorrow. 
I received a decision letter from SPS ' home retention program, where they denied working with me to retain my home, but will allow me to short-sell it for an amount far less than they say I owe with all the fees and attorney charges added on. I have offered them an amount roughly {$50000.00} above what they will accept on a short-sell, but they refuse to work with me. However, I do have thirty days from their decision date ( XXXX XXXX ) to appeal their decision and seek explanations as to why they will not approve me for some sort of repayment plan. The denial letter is attached, and interestingly enough, since this is a rental property I own, the Tier 2 program was of great interest to me. Their reason, shown on page XXXX of the denial letter, for not being able to offer me the Tier 2 program was that I have " not missed two or more mortgage payments. '' If that 's the case, as they state in writing, why then will they not just start accepting payments from me? 
We assumed since it would be in violation of RESPA laws for my property to be sold while I still have an appeal in the works, the judge would grant our motion to stay today. She did not. We are now looking into options to appeal her decision to district court or wherever, to keep them from selling my home while I still have an opportunity to appeal and perhaps retain the home by reasonable negotiations. 
I have attached below the copy of the affidavit we submitted with the motion to stay that resulted in today 's hearing. If you read through that, you can see all the ways in which I have been jerked around by SPS, and I have several prior complaints from their telling me they were refusing to follow the law and stay previous sales ( that we 've managed to get stayed up until now ). I need your intervention to compel SPS ( who showed up at the hearing today and opposed my request for a stay ) to follow the law, and for THEM to request that the judge recant her decision of today so that SPS will not be in a situation of dual-tracking me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This issue is on a Wells Fargo XXXX : 1. I had a {$25.00} minimum payment due on XXXX/XXXX/XXXX. 
2. I made a payment of {$100.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
3. I made a payment of {$650.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
4. I made a payment of {$100.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
5. I made a payment of {$25.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
6. I made a payment of {$34.00} on XXXX/XXXX/XXXX which they didnt apply to my card. 
7. I made a payment of {$7.00} on XXXX/XXXX/XXXX which they didnt apply to my card. 
8. I was then charged a {$50.00} late payment fee on that {$25.00} minimum payment that was due on XXXX/XXXX/XXXX. 

This makes no sense to me no matter how they try to explain it. Basically my payments were too early even though they were all paid in the same month. I paid {$920.00} towards my credit card balance all in the month of XXXX when I only had a {$25.00} minimum payment due for XXXX, but somehow they were able to charge me a {$50.00} late fee. 

I pay my bills the first week of the month, I can not understand how my payments do not count towards whatever I have due in that same month. This is absurd. It seems like just another way Wells Fargo is fleecing the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I deposited a Bank America cashier 's check in an ATM machine at the XXXX Branch in XXXX Florida on a Saturday XXXX/XXXX/2016 and the ATM machine ate the check. Waited 30 minutes to get a phone answered and did reported it via phone, physically went to the bank that Monday to report the problem and provided them a copy of the check. Am being told there is nothing they can do with the {$970.00} deposit but wait for 90 days to put a stop payment on the cashier 's check and reissue it again. NOT ACCEPTABLE TO MAKE ME WAIT 90 DAYS BECAUSE THEIR MACHINE ATE 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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching the letter my wife and I sent to the credit bureaus back in XXXX. More four months have passed, and we have not heard anything back from them.

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 11/15/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Struggling to pay mortgage

Complaint: My current first mortgage is serviced with Specialized Loan Servicing, LLC. My monthly mortgage payment is {$720.00}. Up until XX/XX/XXXX I have been current with my payments. In the beginning of XX/XX/XXXX. my car broke down requiring repairs, then I had a water pipe burst in my attic causing {$6000.00} property damage and resulting in an insurance claim. In the middle of XX/XX/XXXX., Hurricane Irma came through FL ( where I live ) and we evacuated. When I returned home a tree branch had fallen on my roof causing damage and requiring a new roof. Approximately the week of XX/XX/XXXX I received a call from SLS stating they were reaching out to their FL customers that may have been affected by the hurricane and had been approved to offer a 3 month mortgage payment deferment, which would defer the payments to the end of the loan. They had received government approval to do this to provide relief to those of us affected by the hurricane. I grilled them on this for almost ten minutes to confirm that this was not going to mean I had to come up with all of the payments in 3 months because there would be no way I would be able to. ( {$2200.00} ) Well, the third week of XX/XX/XXXX. I received a bill from them for {$2200.00}. I owe them ( of course ) for the XX/XX/XXXX., XX/XX/XXXX. and XX/XX/XXXX. payments. Now I find myself 3 payments behind and owing them that much $ . They insist I misunderstood ; however, there is no way I did because I clearly stated I could not agree to this if they were going to ask for them at the end of the three months. I also had this discussion with my co-worker and mother after I received the offer and was telling them how grateful I was. I certainly would not have done that had I known I 'd need to come up with {$2200.00} in 3 months! I just would not have taken the offer. It does not make any logical sense. I had so much money going out for house and auto repairs and then XXXX bills from sick pets! When I searched the internet I found they did this to several other people that reported it online as well. Clearly this violates some kind of lending practice? Of course it 's also being reported negatively on my credit report. I agree I owe the money ; however, THEY reached out to ME and offered this service and now I 'm in a position I would not have been in.

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 07/21/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to submit my whole story and demonstrate Nationstar Mortgage failure to comply with XXXX SD XXXX. 

Your platform, limits characters prohibits me from delivering you the complete facts and truth. 

I would appreciate a phone call. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (MI).
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: Fact : XXXX XXXX XXXX ( Original creditor : XXXX ) reported A Derogatory on XX/XX/XXXX of a collection/chargeoff in the amount of {$420.00} Account # XXXX (? ) to XXXX. ( I discovered this by running my personal credit report with scores on XX/XX/XXXX using XXXX ) Fact : I had used XXXX as my auto insurance carrier for many years and was in good standing fully paid when my most recent policy ended XX/XX/XXXX. Several phone calls to XXXX Accounting Department XX/XX/XXXX and XX/XX/XXXX showed no collection reported against my personal name and no collection ever pursued against my company who purchased auto policies these last few years. they searched by name, drivers license, phone numbers, social security, and business name. 
Fact : XXXX provided a contact number for XXXX XXXX XXXX XXXX which I called and XXXX XXXX XXXX could not find me in their records by personal name ( I have a very uncommon and long last name ), phone numbers, social security or by my company name which held several years of auto policy history with XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: A repayment agreement was entered into with Navient for all private student loans. Payments have been drafted by Navient monthly from our bank account and all payments have been timely. Despite the agreement and receipt of payments, Navient has continued to harrass me and my husband ( a co-signor ) indicating that the loans are past due. They have also continued to apply late fees to the accounts and reporting them as delinquent to credit bureaus. I 've asked Navient on numerous occasions to correct this and they have failed to do so. 

Additionally, I have been awarded Social Security XXXX and notified Navient of such. Although I have sent them the award from Social Security, they are still requiring a physician statement. My physician will not complete the statement because he feels that the finding of permanent and total XXXX by Social Security is sufficient. Navient has refused to adjust my loans under total XXXX discharge guidelines. My student loans payments are substantially more than my monthly XXXX benefits of {$1500.00} per month. There is no way I can repay the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Student loan (Federal student loan servicing) with Performant Financial Corporation (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My wages are currently being garnished regardless of my attempts to rehabilitate my loan. I first received notice of potential wage garnishment XXXX XXXX. I immediately contacted the number provided. I was sent to a voicemail and left my contact information. I also logged on to my XXXX account and made a payment. I never heard back. I was notified by my employer in XXXX XXXX that my wages were going to be garnished.

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 10/20/2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (NH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My wife and I sent the following letter to our loan XXXX at loanDepot, XXXX XXXX, in the afternoon of XXXX XXXX. We have not heard from her or anyone from loanDepot since, and our application remains active. This strikes us as peculiar and wrong. We invested a significant amount of time both in the lead-up to the home appraisal and on the loan application itself -- time, and effort, for which we believe we should be indemnified, in addition to the fees we paid loanDepot. 

" XXXX, We have not heard from you since last Thursday, even though you set our closing date for today. 

Anyway, loanDepot made the initial phone call which started this process. In that conversation, we mentioned the size of our property, the age of our home, and that ours would be a jumbo loan. 

As you made it clear to us in our phone conversation last Thursday, we have been defrauded by loanDepot, as we were, unbeknownst to us, offered a loan for which " we were not qualified. '' A subsequent conversation with XXXX XXXX revealed that our property is, he admitted, " typically ineligible. '' We would not have risked the venture had we been apprised of its nature. 

We wish for our mortgage application to be withdrawn from consideration. 

Please be advised we will report and publish this instance of predatory lending, starting with the Consumer Financial Protection Bureau, and we will disclose names. 

At this time, we request only a full refund of every fee, including that for the appraisal, we have paid loanDepot thus far. 

Sincerely, XXXX and XXXX XXXX ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been on the phone with XXXX XXXX countless times this was all settled I do not owe them {$560.00} and the account is closed. 

I am unsure as to why it still says open or why they feel I owe them anything. I was told by there customer service they would let transunion and XXXX know the account was settled and months later nothing has been done. 

We had came to a settlement which they already know. Hopefully this honest error on there part can be fixed thank you. Any questions call 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 08/21/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint with Equifax Credit Reporting bureau on XX/XX/XXXX. I received notification that the dispute was resolved on XX/XX/XXXX. The dispute was concerning a public record from a judgement placed by XXXX case ( # XXXX ) which was filed on XX/XX/XXXX. It is currently classified as " satisified '' as of XX/XX/XXXX. This judgement should have never been placed on my credit report because it was filed and placed on my credit after I filed the bankruptcy and the bankruptcy was discharged on XX/XX/XXXX. I filed disputes with XXXX and XXXX and they both removed the judgement from my credit report. I contacted Equifax via phone and spoke with both a representative and a supervisor. The supervisor was rude and stated no matter what documentation I provide whether it is from a court or any other entity they would not remove this discrepancy/incorrect information from my report. I would like for this to be removed from my credit as soon as possible please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit card protection / Debt protection

Complaint: Capital XXXX performed a hard inquiry on my credit without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 believe the 30 day late payment marker on my credit report by XXXX should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. 

I have had auto pay set up with my XXXX mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from XXXX that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. 

Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. 

I find it disingenuous that XXXX has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case XXXX did not get my statement out to me on time.

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