milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Sound Collection Services (WA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: While I was in the process of settling a dispute with my current landlord in XXXX 2017, I submitted an application on XXXX XXXX 2017 for tenancy to XXXX XXXX XXXX, who use sound screening. <P/>Sound screening obtained incorrect information from my landlord, for which I was denied tenancy at XXXX XXXX. <P/>The incorrect information is the record that I do n't pay rent on time, am ineligible for re-rent, and that in general I am a bad tenant. <P/>Later, once my current landlord and I reached an agreement, I resubmitted my application on XXXX XXXX 2017. Sound Screening failed to recognize the new information and I  again was denied tenancy at XXXX XXXX. <P/>I have a termination of tenancy agreement with my landlord, as well as a rental verification letter from my landlord - both of which are singed and notarized. <P/>This information needs to be corrected. <P/>Also I would like the incomplete information about my income verification be removed. The record states that Sound Screening was unable to contact and verify the information, so it should not be kept on record.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Recently my credit limit was lowered based on wrong information on my  XXXX   XXXX  credit report. My credit report has since been corrected and the reasoning for lowering my  credit score  is not valid.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax let itself get hacked then waited two months to reveal this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I went to University XXXX XXXX for the first two years of my XXXX and XXXX College for the last two years of my XXXX. They have charged me a 9.75 % interest rate since I took my loan out over 5 years ago. Their interest rates are too high.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (HI).
Issue: Struggling to pay mortgage

Complaint: I have been trying to get a modification to save my home since XXXX. I have tried and tried and I have been in reviewing constantly sending documents and getting nowhere since at least XXXX. Finally I was told my file was complete and that I would have a decision within 30 days. That was on XX/X/17. It has been much longer than 30 days they are way over the time period they promised and are legally bound to meet. All they have ever told me since XXXX is that the file is under " manager review. '' They will never tell me what that means or how much longer it is going to take. I strongly believe they are just dodging my correspondence using stall tactics so that they can steal my home from me unlawfully. After many calls to Ditech I found out that the underwriter who has been stalling my line for over two weeks name is XXXX, and I am determined to find out the reason why XXXX ca n't follow the law and underwrite my modification fairly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My name is XXXX XXXX. I resided in an apartment complex called XXXX XXXX in XXXX XXXX Arizona. Address is XXXX XXXX XXXX  XXXX XXXX. XXXX, AZ XXXX. I rented from XX/XX/XXXX to XX/XX/XXXX in apartment XXXX and finished the lease. We did a walkout inspection with a management employee and he claimed there were red floor stains on the vinyl, which is not true. I have taken video and photographs with a newspaper for the date and time to prove it. The apartment management refuses to acknowledge this. I also sent letters requesting information about the charges, what company they hired to fix the floor, or when the work was done. When I approached management again, I asked for a receipt to prove the repairs they made, but they could not provide it and claimed they had no such receipt in their files to even prove they did the work on the floor. Also, before my family moved into the apartment, the floors were heavily scuffed, discolored, and damaged and we notated that with our move-in inspection. The apartment also did not notify me of their intent to send me notification of forwarding this claim to creditors. With counseling, I sent written letters to the apartment and even sent certified mail with no response. The mark on my credit is still on current reports. My wife also filed a complaint to consumer finance back in XX/XX/XXXX to look into this matter and was able to have this negative mark removed from her credit, but XXXX still has not taken it off mine. 

The debt collection service is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the representative is XXXX XXXX.The dollar amount they are attempting to collect is {$120.00} and {$18.00} of that amount was interest unless the numbers changed recently.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient on two separate occasions has capitalized my interest unnecessarily, by randomly redisclosing my loan terms, which causes the interest to capitalize. They are now charging interest on a higher balance, which is increasing the amount that I am paying back. No one at Navient is able to assist me when I called about the second instance which occurred in XX/XX/2016. The amount of interest was almost {$1500.00}. They redisclosed my loans by reducing the term by 1 month, which makes no senseThey have also refused to lower my variable interest rate which now stands at 11 % and wont put me back on the interest rate reduction plan that I was on last year. This is causing me to have trouble making my payments

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Advertising and marketing

Complaint: I used my American Express card to book a hotel using the XXXX travel site. 
Immediately after booking found out it was the wrong hotel. I immediately contacted XXXX. They came back a little later and said the hotel was not answering their phones. XXXX refused to refund the over {$200.00} charge for a hotel room that I did not use. American Express apparently is siding with XXXX. I will never use XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Checking or savings account (Checking account) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On  XXXX  approximately  XXXX  I call  one of the  local branches in my ar ea (   XXXX   XXXX   XXXX   XXXX   ,  NC  XXXX   XXXX  and asked about how to open a checking account. The CSR advised me of the documents I will need and if I knew anyone associated family member/friend with this company. I advised my father has an account with them and she stated that was good enough. I then ask if I needed any documents stating that he was my father or verify that he has an account and does it matter if we have different last names. She stated all I needed was his name but if I had his account info that would help as well but the name would be fine. I then went to the branch around  XXXX  the same day and request to open an account. The rep ask what qualifies me to open this account. I advised my father and boyfriend has an account and after she viewed my ID she noticed my father and I do not have the same last name and that I would need to provide a birth certificate to prove he is my father and my boyfriend and I will have to have the same address on out ID 's. Now I do understand there are security measures to be taken but I do n't like the idea that I was misinformed and wasted time from work running up to the branch to open an account that I could not.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have a case with you is XXXX I receveid a letter from nation star saying tht I was missing documents when I had printed out from there site that all paper work was recived so what are they doing playing with my feelings all I ask is for me to keep my home iam XXXX XXXX XXXX and all I want is to lower my mortgage payment that there going to raise in XXXX to XXXX wich I can not afford due to the fact that I I lost my wife along are the papers that they send and the papers that I printed out from there web site that everything was completed please help me Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, as Tenants by the Entirety, as Fee Owner ( hereinafter " Consumer '' ) submitted a complaint with the Consumer Financial Protection Bureau ( hereinafter " CFPB '' ), that generated Case Number : XXXX. 
Go to First Attachment. 
On page XXXX from the First Attachment, Bank of America , National Association ( hereinafter " Debt Collector '' ) admits to selling a Debt sold on XXXX XXXX, XXXX. 
Go to page XXXX from the First Attachment, where it is highlighted in fluorescent yellow. 
The Debt Collector has never mailed, shipped, or gave the Consumer any correspondence letter, nor notice, constructive notice on who specifically the Debt Collector sold the Debt too??? 
Its approximately 6 months later, and the Debt Collector has not given the Consumer any indication on who the new Debt Buyer is, nor how much specifically did the Debt Buyer purchase the Debt for? 
What is even more bizarre, confusing, and twisted is the Debt Collector is still attempting to collect on a debt that the Consumer does not owe, still attempting to steal what belongs to the Consumer, scheduling foreclosure sales for the last couple of years, only to cancel them at the last minute, and if the Debt Collector really sold the Debt like it admitted in the First Attachment, then why did it schedule, and attempt, and have a representative named XXXX show up on behalf of the Debt Collector, and attempt to bid at an attempted foreclosure sale, dated Tuesday, XXXX XXXX, XXXX at XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX, XXXX, Hawaii? 
Go to Second Attachment.

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 06-08-2017 about Student loan (Private student loan) with SLM CORPORATION (LA).
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: My payment was due and I went online to the  Sallie Mae w ebsite to make the payment. The transaction was done on  XX/XX/17    in the amount of {$490.00}. The payment was to be deducted from my checking account on  XX/XX/17   . After making the payment I re ceived an email confirmation from Sallie Mae. A couple of weeks later, I started to receive calls from Sallie Mae. I called back and was told that my account was 62 days past due. I informed the representative that I had ma de a payment a few weeks earlier. I was told that the payment did n't process because of an error. She could not tell me what was the error or why the payment did n't go through. While on the phone with the rep, I pulled up my online banking and realized that an attempt was never made to debit the payment from my account. The rep could not explain what happened, I then inquired about credit reporting since she informed me when the call was authenticated that my account was 62 days past due. I was told that they would report to the credit bureaus a 60 day late payment for the month of  XXXX  to my credit report. I asked why would that occur since I made the payment online and there was an error on their end which caused the  payment not to process. I was told that since the payment was made online, it must have been my fault. Sallie Mae can not provide any documentation to prove that I made an error. I can not view my checking account number on their website to determine if I in fact made an error when my account nu mber was added to my online profile. They have now reported to all   XXXX    credit bureaus that I was 60 days late for the month of  XXXX . This is totally unfair to me as a consumer because I made my payment on time and I have no control of their systems and how they process payments. They can not show that I made an error. Also, How could I be 60 days late for  XXXX  when I made the second payment in  XXXX . There are only 30 days between  XXXX  and  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
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: There is a Bankruptcy being reported on my credit report by Trans Union and XXXX that does not belong 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 03/21/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Safe Deposit Box, of XXXX XXXX XXXX XXXX. 
XXXX bank account, transferred from XXXX XXXX XXXX, XXXX, CT. Wells Fargo N.A . I was query 'd by IRS, owning income XXXX, XXXX XXXX XXXX XXXX. I am the XXXX XXXX XXXX XXXX, and probate opened up an estate. I have possession and title XXXX XXXX XXXX XXXX, XXXX, CT. XXXX. XXXX. Wells Fargo N.A . filed an instrument of deed, to themselves and owe me {$330000.00}. 
No one see 's a bank. Their XXXX XXXX, is a massive failure, used by XXXX bank and many many many many other abandoned properties and businesses and seems to be " Inactive '' and they all are not worth a penny.

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 09-07-2016 about Debt collection (Credit card) with Solomon and Solomon, P.C. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Certainly, I got a letter from Solmon and Solmon Pc Debt agency that I owed {$6200.00} to XXXX BANK, I have never heard that name. Letter mentioned that I have XXXX but I have never applied XXXX or had it.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: Equifax Credit Bureau has  XXXX  negative marks on  XXXX   XXXX   XXXX  accounts on my credit report. Both accounts have a mark of 120 days past due for  XXXX   2011 . I filed  Chapter   XXXX  in  XXXX   2011 . According to the Bankrup tcy Laws, I s hould not have any negative marks against my accounts once the Bankruptcy was filed. The Bankruptcy is public record, so it should not be difficult to correct this issue. However, I have file several complaints concerning these issues. Equifax is reporting fraudulent information towards my credit report. Why ca n't this be corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Credit card) with Curtwright & Klein, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Curtwright & Klein, LLC called me using XXXX. The person callling refuses to identify himself. I 've asked him 5 times not to call me at work because I can be fired. They use vulgar language and threaten me with legal action. They are a collection agency not the original creditor. I am writing the state attorneys General Office for Texas, and also copying the debtor 's so-called " compliance '' department regarding violation of the FCRA because Curtwright & Klein use of threats, other means, use obscene or profane language, falsely represent that the debt collector represents a state or federal government, gives me misleading information on the amount or legal status of a debt and declare it is " Pre-Legal '' giving the false implication that debt collector is an attorney or law enforcement officer, or that nonpayment of a debt will result in arrest or imprisonment, and cause my telephone to ring repeatedly with intent to annoy, abuse or harass. Please enforce the law regarding this type of horrible harassing behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: RoundPoint Mortgage Servicing Corp. keeps charging us for flood insurance that we do n't need. We have adequate flood insurance and have provided documentation to them numerous times. They assure us that they have the information, and then we get a bill for flood insurance that they have purchased for us.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My Loan was transferred from XXXX XXXX XXXX XXXX M & T bank on XXXX/XXXX/2013 after never missing a payment but we had applied for Modification and they did n't tell M & T, I had perfect credit or M & T would not have bought the loan. We sent the first payment in XX/XX/XXXX from my billpayer company at my bank. Which I have the check and the statement proving it cleared. They have reported the payment as a bounced check and ruined my credit. I have a letter from them stating XXXX took the money from them. Because of XXXX mix up. Does a bank get to lie about you make up lies about your payment charge you thousands in fees and ruin your credit due to an error in paperwork between the to banks. I am XXXX and being bullied by this bank Is there anyway you can help??

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (TX).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have XXXX in my XXXX account and they are telling me I have unpaid transactions which is n't true cause my bank paid them and my receiver which is my brother did n't receive the funds so XXXX is telling me they are holding my funds for loss on my account

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Two years ago I XXXX. My credit was OK - but not great due to some credit cards I had trouble paying while I was in college. However, currently, I only have XXXX credit cards with very low limits, and my credit report is showing I owe over {$5000.00} to creditors. I am a XXXX year old moth of XXXX, my husband is a XXXX in NJ and I am XXXX that I have been working hard for. I have been XXXX for two years, and XXXX has XXXX debt. Everything I purchased for XXXX has been paid in full. My credit report is now the sole reason I can not get a line of credit or small business loan to continue to grow my XXXX. I truly feel that these reports are false - because I do not even have a credit card with a limit of {$5000.00}. I am not in collections with anyone, and I am infuriated that these agencies can list I owe so much money to creditors when I clearly do not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (HI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2017 I began the purchase of a used car from XXXX XXXX XXXX in XXXX Hawaii. The purchase price was {$42000.00}. I planned to make a {$25000.00} payment leaving {$17000.00} to be financed. 
XXXX XXXX contacted XXXX XXXX among others to arrange the financing. We ultimately financed through XXXX XXXX. 
Subsequent to the purchase I received a letter ( copy attached ) from XXXX stating that they declined to finance the balance owed. They stated as a reason that a company called SageStream only gave me a FICO score of XXXX. That number is not valid. My current FICO score at XXXX is XXXX ( see attached copy of my score ). 
I do n't know who SageStream is or for that matter why anyone would try to use their service. You can only contact them by mail and they want hard copy documentation of Social Security Number, date of birth, driver 's license, address, etc. Given the way personal information is handled today, there is no way I intend to send that kind of sensitive information to some unknown entity. 
I do not believe that SageStream is providing accurate information to potential lenders and that they need to be put on notice that damaging someone 's credit or misrepresenting their credit score can have serious consequences. 
Since I was able to complete my transaction without any adverse consequences I will not be contacting my attorney. However, if this company ever again misrepresents my credit profile, I will seek legal redress. 
I think CFPB to be aware of this company. They need to be looked into.

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