milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Sunrise credit service places a collection on my credit report for the amount of {$270.00} XX/XX/2017. I do not have a contract with Sunrise credit services and would like this to be removed 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 09/23/2016 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Problems caused by my funds being low

Complaint: When I signed up for my bank account, I opted out of the option to allow my account to go negative for overdraft purchases. My debit card is supposed to be declined if the account is overdraft or if the transaction will allow me to go negative. However, on XXXX/XXXX/16, my account was overdrawn because of debit card transaction and I was charged {$180.00} in overdraft fees. Since this was also a holiday weekend, the transactions posted to my account very late and were n't posted in order. I contacted my bank online via their messaging system and asked them to remove the fees as my debit card should not be allowed to go negative and my card was not declined. I did not receive a response. I called them on XXXX/XXXX/16, 2 weeks after I sent the message, and I was told that my account was opted in to allowing my account to go negative for debit card purchases and that I could not have the fees waived because of that. I explained that when I signed up, I specifically said I wanted the option for my debit card to be declined if my account is negative and they should also have the forms confirming that in writing, the forms were filled out with pen. If they made an error and registered my account incorrectly for their own benefit, they need to waive the overdraft fees.

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 08/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I called on XX/XX/XXXX to pay off the balance of my bank of america secure credit card. the balance at that moment was {$450.00}. They used my {$300.00} that I had initially paid as a secure deposit and the only amount that was due was {$150.00} I made this payment on XX/XX/XXXX and was told from the bank that it was going to take between 7 to 10 business days to the secure deposit been post on my account. I called at the beginning of XXXX just to follow up and make sure everything was as schedule and the agent that assist me told me that no one had requested to apply the {$300.00} secure deposit on my account. At that point I was very frustrated and requested to speak with a supervisor. This person told me that he was going to fix the issues and I did n't had to worry anymore. However due to their system I still need to wait the 7 to 10 business days for the money to be posted on the account. He specific told that the issue was going to be solve before the end of the billing cycle on XXXX. I went to check my account today ( XX/XX/XXXX ) and nothing has been done. I called AGAIN, and after several people, and having to explain one more time the whole situation again they told me that nothing has been done! I 'm beyond upset and frustrated at this point! How come a company this big as Bank of America treat his costumers like this? How come is so difficult to solve this issue? I can not understand. I work with costumer service for as long as I can remember and I never felt so insignificant. I feel they do n't care about me or my issue. For them I 'm just a number.

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 11/30/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Trouble during payment process

Complaint: This started at the end of XXXX XXXX when I went online to pay my XXXX XXXX payment and Mr. Cooper website would not accept payment ( stating I owed more than my normal payment of {$490.00} ) and continued through the month of XXXX XXXX. I spoke to a XXXX in XXXX XXXX who proceeded to yell at me and threaten to foreclose on me if I did n't pay the full amount due. I requested to speak to a supervisor and was given XXXX who started the process of straightening out the systems handling of insurance as it applies to my account. I pay insurance and taxes separately. I was then transferred to loan specialist XXXX who took the whole month of XXXX XXXX, but was finally able to get all payments posted correctly and acknowledged I was up to date until XXXX XXXX. I got online in XXXX XXXX and it said I owed {$490.00} and that 's what I paid. 

When I got online in XXXX to make my payment it said {$78000.00}. Two days later XXXX called me and I told her I tried to make my payment and it would n't accept my normal payment of {$490.00}. She stated, are they doing this to you again? She said she 's in a new department ; however she will talk to her supervisor, get this fixed and call me back. I never heard from her and in the meantime every time I got online the amount went up. It now says I owe {$1000.00}. When I called today ( XXXX ) I was told that the payment I made in XXXX was applied to XXXX 's payment. I went online to their website and back dated my payment history for the last two years and I never missed a payment. I 'm not sure how they 're applying my payments. There have been mistakes made in the past with my account regarding my insurance and escrow payments. I 'm confused as to how I can be caught up in XXXX and then told in XXXX I owe for three months. The employees at this organization refuse to listen to anything I have to say. It 's like they have a script in front of them that they read from and are not allowed to say anything else. 

I recently received a letter in the mail from Mr. Cooper dated XXXX/XXXX/XXXX stating I owed {$1200.00} by XXXX/XXXX/XXXX. I 'm confused to even this amount since online it states as of XXXX/XXXX/XXXX I owe {$1000.00}. Now I am concerned about foreclosure, which does n't seem appropriate as I have n't missed a payment for many years and when I was going to be late it was due to having XXXX XXXX years ago and I called in advance to make payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions ().
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Rent recovery services on behalf of XXXX XXXX XXXX Texas. I was ill and had to return to XXXX to hospital in XXXX XXXX - still attending XXXX XXXX! There was about 6 weeks left on my lease which ended XXXX XXXX. I was given no option for return of full XXXX bed flat of furniture incl XXXX inch TV, art work etc. I owe approx XXXX in rent although XXXX advised me that they had changed locks on door, and no access to get belongings, when I let them know I was in hospital in XXXX ie before end of lease. 

This debt has been reported by rent recovery services, a collections agency on behalf of XXXX for the amount of {$4200.00} to the credit agencies, more than 100 % interest in 8 months!!!!!!! They are ensuring that this bill will rise exorbitantly month by month so can not be repaid. 

Also the value of my goods were more than {$2000.00} ( the bill ) and I was never given any option to recoup them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX mortgage, XXXX home Equity Line of Credit. In XXXX XXXX, I filed for divorce from my husband. In XXXX XXXX a stipulation was initiated in XXXX Co Family Court that gave my husband " sole use '' of our home. I moved to a different location with my children. He has been living in the home since that time. At his request in XXXX XXXX, I quitclaim deeded the house to him, and it was registered in XXXX Co XXXX Court. This was in an attempt for him to try and refinance the property. I have not been employed continuously for many years, thus the financial responsibility has been his. Recently he also filed for Chapter XXXX Bankruptcy to which creditors XXXX XXXX and XXXX are listed. This was finalized and payments are being made by him at 100 % payback. I am requesting that these debts be modified in the 3 major credit bureau databases to reflect that I am not liable for the debts. At this time, the information on my credit reports indicate a very poor score and is affecting my ability to obtain a XXXX XXXX loan to complete my XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Auto) with HONOR FINANCE, LLC (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I have set up payment arrangements for my account, and found out complaints on this company before the head office said I would n't be getting anymore call about my account until the end of my payment arrangements, but no one is noticed the account each rep that keep calling is getting ruder. Last rep has threatened to take my car at any time he wanted to because he is the only XXXX in charge of my account he do n't care who I talk before hand, and he when on disrespecting me to point i had to disconnect the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Consumer Loan (Installment loan) with Social Finance, Inc. (CA).
Issue: Taking out the loan or lease

Complaint: I applied for a loan with Sofi ( sofi.com ). I was approved for the loan. I have not yet signed the papers to receive the loan - that is where the problem occurred. 
Once they alerted me ( via email ) that I was approved, I logged into my online account, ready to sign the papers for the loan. 
First, SoFi wanted me to confirm my identity. That makes sense. I had gone through identity checks before, so I was expecting them to ask routine questions. They asked me XXXX questions to identify myself, and XXXX of them were routine. XXXX asked me to identify a street I have been associated with. That was routine. Another asked me to identify the type of car I had owned or leased. That was also routine. 
The third question was very strange to me. The last question asked " What month was 'A Person ' born in? " The person the question asked about XXXX my siblings, but I have no idea why they asked me about that sibling 's birth date. I have never shared a rental agreement with that sibling, I have never co-signed a loan or a held bank account with that sibling ... I have never had any credit or financial history with that sibling. 
Therefore, I do n't understand why a ) SoFi asked about my sibling when that sibling and I had no credit history together or b ) how SoFi connected my information and my sibling 's information together in the first place. How did they know to ask about that sibling? 
Just as importantly, how did they use the information they had obtained about my sibling? What if they used my sibling 's credit history ( which I am not familiar with ) to make decisions about my loan terms? 
This seems like a violation of privacy, or misuse of my personal information. 
I contacted SoFi customer support via instant messenger and the person did n't really understand my question. That was on Wed. XXXX/XXXX/2015. That person referred me to call customer support, which I did, also on XXXX/XXXX/2015. I left a message about the situation and asked for a call back, but have not yet received XXXX.

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 EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On about XX/XX/XXXX, I became aware of the fact that I was likely part of the gigantic breach at Equifax that started as early as XX/XX/XXXX, though news reports and the Equifax " tracker '' online. Equifax apparently did not have adequate security measures in place to prevent this information from being accessible to hackers, nor did Equifax take appropriate measures to alert the public as soon as practical, thereby further aiding and abetting the hackers to use our information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late XX/XX/XXXX and XX/XX/XXXX, 60 days late XX/XX/XXXX, 90 days late XX/XX/XXXX, 120 days late XX/XX/XXXX, 150 days late XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Ive been unable to receive my free annual credit report from Transunion and XXXX for the past two days ( XX/XX/XXXX-XX/XX/XXXX). When ordering online through XXXX or the company Web sites, each attempt returns an error message stating technical difficulties ( Transunion ) or the site can not be reached ( XXXX ). Also, neither company seems to provide a contact phone number for customer service or technical support on its Web site. The inability of customers like me to receive our credit reports, as allowed by law, in a timely way, combined with the lack of timely customer service on the part of these companies, is unacceptable. It is especially so, given the recent XXXX data breach and the subsequent need for consumers to act now to protect their identities, including by reviewing their 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 explanation
Consumer complaint received 03-06-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: We have been paying on a {$6000.00} loan since XX/XX/XXXX and still have a {$4200.00} balance. Payments have only been {$64.00}, but it appears this loan is being serviced like a credit card with the interest payment never getting any lower. Is this correct? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (Home equity loan or line of credit) with BANKUNITED, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We submitted a loan modification on behalf of our client on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX we received a letter from Bank United stating that they were unable to offer the borrower another modification because his loan was previously modified. Originally when the borrower first submitted his modification in XX/XX/XXXX Bank United advised the borrower that he did not make enough income and that he needed to make more so the borrower was able to get more hours at work to satisfy this request and now the bank advised that a modification is not even an option. Bank United modified his loan in XX/XX/XXXX and he was struggling to make those payments but continued to make those payments consistently until he noticed in his paperwork that he had a balloon payment due in 5 years. It is my client 's intention to save his home however, the bank is putting him in a no win situation because even though they modified his mortgage last year they gave him a short term balloon payment making it impossible for him to pay back the full amount. For this reason we are seeking assistance with a new modification that would amortize rather provide a balloon payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Credit reporting () with JH Portfolio Debt Equities, LLC (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I originally was in default on payments to a XXXX credit card, it was sent to collection, which I disputed. it remained on my report for 7 years and 6 months before it was due to be expunged, the debt reappeared on my credit report but from another source, JH Portfolio Debt Equities, a collection agency who bought the debt. However, without contacting me in any way they reported this debt as delinquent. I contacted them explaining that they were in violation of the Fair Debt collection Act and they should have contacted me PRIOR to posting it as adelinquent debt. They basically told me that they could do as they wish, and unless i was prepared to pay up the report would remain. After this they began reporting this debt each and every month since XXXX of 2015. I feel this both vindictive and an abuse of their power. I explained to them that at the time of default I was not unwilling to pay the debt, simply unable. 
Is there something you can do to have these multiple reports erased and further reports curtailed? I have rebuilt my credit and have had no issues with other lenders. I find it grossly unfair that these 'collectors ' of dubious origins and nefarious practices are allowed to wontonly destroy peoples credit because they can not collect. Had they contacted me PRIOR to reporting, I most likely would have agreed to a settlement to avoid my credit score being marred.

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 11/28/2016 about Debt collection (Auto) with CCS Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have not been a member of XXXX since XX/XX/2008. This company continues to try and collect on this debt at this time EVERY year. They threaten to ruin my credit report if I do n't pay. This is the literally the XXXX time I have received a letter demanding payment. I have contacted XXXX and they have confirmed that I DO NOT owe them any money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Credit card) with Alpha Recovery Corp (SD).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Spoke with XXXX and XXXX. XXXX says he is a manager and I was trying to report XXXX for harassing me when we 'd spoken. XXXX says he will look into it then tries to get me to give my checking information to make payments. I said no, and he starts getting an attitude, which I told him I did n't appreciate and he told me I 'm being sensitive. I told him I want to make payments but not with my checking account. He says his office will send back the account to the client as refusal to pay, if I do n't " secure '' our arrangement right now with my checking info or a payment off my debit card, even though I 'd already explained I do n't get paid til next Friday. By this time I was having to speak loudly because he would n't let me get a word in edgewise. He says he 's going to terminate the call if I do n't stop interrupting, etc. I asked to speak to his manager, he flat out says no, says I 'm trying to avoid/distract from the matter. This is the manager. The other boy I spoke to got on the phone after a transfer, and just went off on me about how I need to pay x amount of money that I already said I could n't afford. He belittled and shamed me for not paying the debt so far, and demanded that I pay it now. I told him not to speak to me that way, which he continued to do. Eventually he just hung up on me. I 've seen very similar complaints online, some of them quoting this XXXX guy, things that he said to me as well, word for word. I do n't understand how they 're still in business, or not in court or in jail for violating federal law. Please do something about this.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I monitor my credit report and score with all 3 credit bureaus. I believe my credit report and score is unfairly scrutinized and calculator. I pay all my bills on time and according to the reporting agencies, my score is updated twice every month. However, that is not the case. I am working on a payment plan with one credit card company and it turned out I had one missed payment. Suddenly, the reporting agency decided to update my score and take away XXXX points! They suddenly did this as soon as they received information about the one late payment, but never gave me credit for always paying my bills on time. That is very discriminating and should not happen to anyone. Now, I do not know what to do to fix this. This mainly applies to THE BANK IS XXXX XXXX XXXX XXXX XXXX. I fear this is tearing down a person who works hard everyday to pay bills on time and do things the right way. Destroying my credit like this is a path to destroying my future endeavors that I am working towards. Please help.

Company response to consumer: Closed with explanation