milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2016 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/15 I noticed my credit score dropped due to an inquiry, I checked XXXX and there was an inquiry from XXXX on XXXX/XXXX/15. I submitted a dispute to Equifax and the results stated that they are a factual record of file access. I have never had an account with XXXX and I live in XXXX this inquiry came from XXXX. Equifax told contact the merchant and I did. I got a response back from XXXX XXXX, from XXXX asking for personal info to see if I had ever opened an acct with XXXX. On XXXX XXXX I got a letter form XXXX XXXX from XXXX confirming that the inquiring removal had been submitted to all XXXX credit bureaus. Months later I checked my credit again and noticed the inquiry is still on my credit report, so I mailed a XXXX letter to XXXX and got a response from XXXX XXXX stating they were submitting an inquiry removal again to all XXXX credit bureaus. It 's going on 10 months and this inquiry is still on my credit report which is still impacting my credit score and I believe this is a fraud transaction that needs to be rectified. I do n't know how XXXX got my personal information to run my credit, they are confirming that I do not have an open account with them but I believe a fraud and unauthorized inquiry was made from someone that is portraying my identity. Please help me resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 02/13/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I took a loan in XX/XX/XXXX. I paid the loan in full in XX/XX/XXXX. I never received a duplicate title for my vehicle. I need to donate the car. I went to the DMV to request a duplicate title and the lien has not been released. I nowmust go to an outside site that will charge me money what Santander should have already provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a notice from Transworld Systems Inc. that threatens to report me to all national credit bureaus. It also gave me a phone number to call, which I called XXXX times. Each time I called I was placed on hold for several minutes and then the phone would just hang up. This is a very rude and deplorable way to conduct their business.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America Agreed to a partial reinstatement of my loan ( DOC ENCLOSED ). I was then to make modified payments for XXXX, XXXX, XXXX. BOA requested certified funds for XXXX at which point upon receipt, BOA would disclose the amount to be paid monthly. Certified funds were sent as requested on XXXX/XXXX/2016 Funds arrived on Friday XXXX/XXXX/2016. Placed XXXX calls to XXXX XXXX with no response as I wanted to verify receipt of funds as well as to see 3 month payment schedule. Called total of 15 times with no response. Received letter of reinstatement ( different from agreed ) on Saturday XXXX XXXX stating XXXX due by XXXX/XXXX/2016. There has been no contact available to be at all!! No return calls or e mails. On XXXX/XXXX/2016, Receive certified funds back stating amount not correct. All timelines have been met regarding the reinstatement letter emailed to XXXX of Virginia as well as the CFPB. In addition all financial requirements have been met by submitting certified funds of XXXX. Called BOA on XXXX/XXXX/16 6 different times. got through to XXXX persons who stated that the figures were not available and they could n't provide information. By returning the funds sent BOA is in clear violation of RESPA 1026.40 ( c ) ( 1 ), 1026.40,1024.2 ( b ) CFR 1026.36 ( c ) ( 1 ). and now is in violation of the Consumer Fair Debt Collection Act. BOA is now making up their own rules with little or no oversight as I have complained about violations prior. In addition I have submitted information several times regarding fees and foreclosure expense to be waived and they refuse to acknowledge. The CFPB has refused to innate actions on such violations although these actions are clear.. I am asking for this situation to be rectified within72 hrs. by BOA. I am asking for regulatory intervention at this point as well. Bank Of America is obligated to accept the XXXX and allow me to make my payments ad agreed per resolution letter. Anything else is not acceptable. I assert that by BOA refusal to adhere to resolution, BOA voluntarily waives its right to any past debt therefore account should be deemed current. I also assert tht by BOA actions of refusal to adhere to resolution, it has committed fraud and deceptive activities. I also assert that BOA had not maintained clear lines of communication as outlined under RESPA. I am asking for payment to be accepted and that oversight be implemented.

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 01-11-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I tried to reapply for Income Driven loan repayment program, but keep being given false information and have had my interest rates rise over the last five years to unpayable amounts. The company is asking that I make payments of {$1300.00} USD per month even though I only make between {$45000.00} next after taxes each year. My original loan provider was also XXXX XXXX and Navient does not even have all of my information about my previous loans. My current loan balance is over {$130000.00} and has not been chipped down at all, even though I made over {$10000.00} in payments for the XX/XX/XXXX annual year. On Monday, XX/XX/XXXX, I made a call to complain about repayment terms not reflecting the income driven repayment plan and was told that I had to reapply again through the federal website ; even though I had spoken with a manager at Navient in XX/XX/XXXX who said everything had been taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have student loans with Navient. I am a XXXX, so obviously I do n't make much money. I tried to go on the website and lower my payments ( I have never missed a single one in 10 years ). The information to repay based on income was so convoluted and it appeared like any option to refinance would result in sever penalties later. I then tried to fill out paperwork to defer my loan for one year for some relief and the link for the downloadable pdf I needed never worked ( I tried several times over a couple of weeks ). I did n't bother calling them because I have heard such horror stories about dealing with Navient customer service over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Other debt) with Rent Recovery Solutions (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I signed a 1 year lease in  XXXX  with   XXXX   XXXX   XXXX  , shortly after the apartment were purchased by   XXXX   XXXX   XXXX   in Georgia. I remained until   XXXX   XXXX   when my lease expired and I submitted paperwork that I would not be renewing the lease. I moved and had no issues until a few months after I received a call stating that I had been sent to collections ( I received no communication from the apartment complex itself ) for the carpet being destroyed, oven not being cleaned and trash left in the apartment, with none of this being accurate. I recently checked my credit report and noticed that this had been posted, I contacted the agency,  Rent Recovery Services  and asked them to send me proof of debt which I received via email. A few things jumped out at me right away, especially since I knew their claims were false. The move in move out inspection agreement though signed off on the move in portion dated  XX/XX/XXXX , theres no sign off or documentation of the state of the apartment for the move out, which I did in   XXXX  . Also, theres no stipulations about being required to purchase replacement carpets especially after residing there for 3 years. There is absolutely no proof of their claims either by the move out agreement or pictures taken and would like all collections attempts to be stopped and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again XXXX and their XXXX score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document XXXX states my XXXX score is 0, which is outside of the acceptable ranges ). To resolve this situation, I would like XXXX and XXXX  to immediately remedy their system problems so that my XXXX score is not shown as 0, send a copy of the credit report and XXXX score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. Put bluntly, the fax that the XXXX XXXX score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a XXXX score of 0 being given to financial institutions that are unable to process a 0 score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my XXXX score was presented as 0, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently in default on my mortgage loan due to current situation. I have been trying to pursue a short sale with Fay Servicing ( loan servicer ) since last year and they are preventing me from completing the process along with XXXX XXXX ( investor ). At some point in XX/XX/XXXX the short sale was approved at {$280000.00} and the buyer was unable to close the deal due to the fact that I had squatters in my property. By the time that we were able to evict them, the approval expired and the lender did not honored the approval. In XXXX XXXX, XXXX XXXX XXXX acquired my loan and they had expressed their desire to keep the property since it is located in XXXX which a mortgage market on the rise and they rather F/C on the property to keep it and make profit. I wonder if they ever realized how much stress tis situation has caused me and my family. Do they even have any type of consideration for the customer? As anybody else, I bought this property back in XX/XX/XXXX and I never thought for a minute that I will be in this situations. The previous buyer walked and every time we get an offer, the buyers get turn down by the loan servicer ( Fey Servicing ). I know the investor makes the final decision and they do not care about me or my family, but it will be a great help for us to be consider for a short sale at a realistic market price. We have provided all kind of supporting documentation to support numbers and the investor is NOT willing to allow me to work a short sale. They are forcing us to do a deed in lieu. We have been told my XXXX XXXX XXXX ( Fey servicing - negotiator ) that the investor wants to sit on the property until the foreclosure is completed, so they can keep it, fix it and make a profit on it. I do not believe is right for an investor to do so by preventing me and my family to close this chapter. The investor ( XXXX XXXX ) is denying me the right to do a short sale. Lastly, please keep in mind that they are using a value from from XX/XX/XXXX and they are not willing to do a BPO due to the fact that they know this property is in really bad shape and they will have to sell it at a price that is lower than their expected price. The short sale was previously approved by the previous investor for {$310.00} and now the new investor is asking for {$500000.00}. My questions is if the previous investor using the same BPO approved at {$310000.00} why is the new investor using the same BPO is asking for {$500000.00}? You can tell they have their own intentions and are not willing to help our situation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I returned modem/router to XXXX XXXX 1 1/2 to 2 1/2 years ago but have maintained their internet service until late XX/XX/XXXXI did so with my own linksys router. The XXXX modem/router ( that I returned ) lacked the security that I required. 

I paid all service fees and thought I was free and clear. 
They claim that I never returned modem/router and that I owe approximately {$120.00} for a modem that they lost. 

In XXXX of XXXX I disputed the non-returned modem. XXXX XXXX launched an investigation and concluded that the modem was never returned ; and I have to pay {$120.00} or give the modem back. 
I told them I was not going to pay for something I returned. They said I left them no choice but to send me to a collection agency. 

In mid XX/XX/XXXX I received letter from Diversified Adjustment Service indicating that I owed {$120.00}. I called Diversified in the first week of XX/XX/XXXX and told them that I dispute the claim. She noted the dispute verbally and said that she would get verification. I explained the situation and that I was not going to pay for a modem./router that I know I returned. I asked her if she would pay if she were in my situation. She responded that they would hold the money as a credit until the issue was resolve. I responded with ; your asking me to trust a company that has already misplaced a their own equipment? No, I am not going to pay for the mistake of somebody else. 

Today, XX/XX/2017 I get another call from Diversified telling me that I owe XXXX dollars. Again, I said I dispute the charges. This time she said that she could reduce the charge to {$70.00}. Again, I said would you pay for something that you knew you returned. She said she might. She knows collection agencies : they will keep calling and will notify credit agencies. I said that was criminal ... That 's extortion. She sensed my anger rising and said goodbye.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with AFNI INC. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Contacted company by phone and by letter advised the account in question does not belong to me. Stated to the rep that XXXX has moved this account on to 2 other collection agencies have sent proof account is not mines. Rep advised account would be sent to the credit bureaus have tried to obtain a home loan being stopped by this collection affects my credit score.
other collection agencies have removed after finding info provided by XXXX were bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX is trying to sue me for a debt that the sol in NC has run out it run out XX/XX/XXXX i do n't have a contract with them these people do n't stop look i just had my XXXX took off and recovering from XXXX XXXX now they saying i have to be in court XX/XX/XXXX police have n't gave me anything please help me thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Vehicle loan or lease (Loan) with Byrider Franchising, LLC (VA).
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint: During the initial interaction the sales representative provided one set of information and during the closing everything changed and the representative never properly explained the changes. My Ex girlfriend was the primary borrower and I was told I had to sign the documents however it was never my intent to be on the loan. The vehicle she signed for I advised her against because the price was more than double to book value and there were immediate problems with the vehicle that they refused to fix as the sales person stated she should have looked at the vehicle immediately. They took advantage of my ex and XXXX me into being tied to this train wreck of a situation. This is affecting my credit and preventing me from financing my first home all over a loan I never wanted to be a part of and did n't realize was being tied to me. I simply want this removed from my credit and I will let the rest of the problems we have go. If this is not taken care of I will be forced to pursue legal action against CNAC and JD ByRider 's corporate offices. I am also formally requesting the original signed contract and the personal information of the franchise owner to file a personal suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: I deposited my paycheck into my checking account. I then checked my account later, and it told me that all the funds from the deposit were available. So I proceeded to transfer money into my joint account with my husband, my savings account and my daughters account. I try to only leave enough money in my checking account to pay the current bills. I checked my account this morning to see I was hit with XXXX overdraft fees at {$35.00} a piece, for a total of {$170.00}. This again over drafted my account. I called to speak to someone over the phone only to be told that even though my account said my paycheck deposit was available, it was not available. So I over drafted my account as soon as I had transferred the money, let alone the purchases I had made that day. I was told there was nothing that could be done as I was enrolled in overdraft protection on my debit card, even though in XXXX I had asked them to remove me from it. So now my husband I are going to be late on our mortgage, among other bills, plus I am worried about just getting food for our kids. I would not have transferred the money if I did not think it was available. If I have ever deposited my paycheck and the full amount was not available, it would tell me {$100.00} available from deposit. Not the full amount, which this time it did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: Information  and referenced documentation was disputed with   XXXX   in   XXXX    2017  and It has been more than 30 days since the intital submission. The disputed information was regarding the     XXXX   XXXX   XXXX     and  XXXX  loans. Information was provided showing an open real estate account with  XXXX  that was not included on the report .   XXXX   XXXX   XXXX   continued to report negativ e pay history while I was in an active Chapter  XXXX  bankruptcy.  XXXX  was asked to remove all negative pay history reported by creditors while I was in active bankruptcy status.  Currently   XXXX  is not showing active and that current payments are being made. Negative pay history reported during the time I was under bankruptcy should not be on my report according to the fair debt collection practices act

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My husband and I sent a letter to Equifax back in XXXX, asking them to investigate errors on our credit report.  I am attaching a copy of the letter we sent to them.  They are supposed to respond within 30 days, but have failed to do so.  We've tried to follow up with them about this, but we get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Late fee

Complaint: PAYPAL has been charging me {$35.00} fees every possible incident they get. Even after I have paid the minimum or way above the minimum, they still charge {$35.00} multiple times. They charge {$35.00} late fees XXXX on top of another on a charge of less than {$20.00}. Bringing the total to hundreds of dollars after I purchase some thing for less than {$20.00}.

Company response to consumer: Closed with monetary relief