milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2017 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (GA).
Issue: Problem when making payments

Complaint: I received a loan f rom Net Credit/NC Financial    XX/XX/XXXX . Payments were withdrawn in the amount of {$230.00} from my checking account monthly to avoid a late payme nt. In   XX/XX/XXXX , I  initiated a debt management company,  XXXX   XXXX   XXXX  to help lower my debt. They received approval from  Net Credit  to lower my payments from {$230.00} to {$140.00} a month. Payments were deducted from my account monthly and dispersed  to Net Credit. In  XX/XX/XXXX , I received an alert on my credit report stating I was 30 days past due. I contacted Net Credit to see w hy they contacted  XXXX  and stated I was late when my payments are sent directly to them. I was advised that although I was going through a debt management company and paying {$140.00} a month, I was still responsible for the additional {$86.00} per month and should have sent it to them. They started reported that I was late and I owe them a balance of {$250.00}. I told them that there was an agreement that they accepted with  XXXX   XXXX   XXXX  for {$140.00} a month and they were getting paid every month so I was not past due. She stated that I was correct but I am still obligated to the original contract for {$230.00} a month and they will not fix it. I also sp oke to a manager which they advised me of the same thing. I told the manager if this was an issue, then they should not have approved the payment plan for {$140.00} a month. She apologized and still said there  was nothing she could do. I contacted  XXXX   XXXX   XXXX  and requested a copy of the signed agreement and got it forwarded to me. I also made a dispute with   XXXX   to get the late payment removed from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: Santander Consumer USA- Financed me and my mom as a co signer. 
I had the car for about a year and got into a car accident, the tow truck driver that tow my car stole my car and took it to a scrap medal place and got {$500.00} for the car. He texted me it. Santander knew what was going on because they even had to get their lawyers involved because they could n't get the car back from this tow truck driver. Now They have try to stick me with a repo for something me and my mother had nothing to do with. I am a single mom with XXXX kids and unable to get a car because of this. Santander is very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There is a duplicate inquiry from XXXX in the past 30 days and there should only be XXXX reporting. I was advised by XXXX that they requested it be removed but it remains. There is a fraudulent inquiry that remains from XXXX XXXX dated XXXX/XXXX/XXXX. I was advised by XXXX XXXX that they requested a removal but it remains. I was also advised by XXXX XXXX that a request was sent to have inquiry removed ( XXXX, XXXX, XXXX ) over a year ago but it remains. There is written documentation in a previous XXXX XXXX complaint with CFBP. There is an inquiry from XXXX XXXX that is fraudulent and I was routed back to Transunion to dispute. There is also an inquiry from XXXX XXXX XXXX that is fraudulent. My driver 's license was stolen along with my car XXXX XXXX. Please add my phone number to my fraud alert. 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 non-monetary relief
Consumer complaint received 01-10-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NM).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: For over a year Ive had issues with XXXX XXXX ( which services two of my store cards ) and their system processing my checking account with payments. Ive called the company multiple times, explained the issue, and been asked several times if my account information is correct. After assuring them multiple times that not only is my account information correct, but that I have no issues using it for any other bill payments, the company often has allowed me to use a debit card without paying an extra fee. Last time I called to resolve the issue, the service rep on the other end told me Well, its not late yet and said she couldnt do anything and I should call my bank to see if anything has changed ( it has most definitely not ). Ive now fallen behind on the payment due to the inability to use my checking account information and I am receiving nearly 20 calls a day from their system attempting to get in touch with me about it. Today was the final straw when between XXXX and XXXX I received 13 calls from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting a " hard credit inquiry '' from XXXX XXXX XXXX XXXX, XXXX. I told Equifax that ( 1 ) I never asked XXXX for any services ; ( 2 ) XXXX does not provide any services in XXXX where I live ; ( 3 ) XXXX told me that they have no record of any account or request in my name ; and ( 4 ) XXXX told me that they did not make any credit inquiry about me. Nevertheless, despite repeated requests, Equifax refuses to remove the erroneous information and this is adversely affecting my otherwise " excellent '' credit score. I have written to Equifax several times, pointing out the absurdity of their report, but they have refused to remove the false item from my credit report ( which, by the way, is not shown on any other report from any other credit reporting agency ). I told Equifax that their inexplicable failure is costing me time and money, and that I would report their misconduct to you, but they do not seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Other debt) with ERC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The following agency Enhanced Recovery Corporation is not bonded in the state of Texas, therefore can not legally collect debit. Please remove from my credit report and confirm this debit is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: regarding case XXXX Experian did nothing to fix this issue. They refuse to properly update the information and claim it was already verified. Maybe they should verify with the XXXX Bankruptcy court! The XXXX other crediting reporting agencies XXXX are reporting it correctly as discharged in XXXX. This debt was discharged in Chapter XXXX BK. It would be illegal for them to claim they sold the debt or transfer it as Experians report reflects. There report shows it as a collectible debt! It should read discharged in Bankruptcy. By them not reporting it properly I was denied credit because they used Experian to pull their data. My Experian score is XXXX lower then both XXXX because of Experians false reporting. Experian is in violation of the FDCPA by misreporting and refusing to accurately verify the data.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2016 about Payday loan () with American Credit Resolution, Incorporated (CA).
Issue: Can't contact lender

Complaint: Between XXXX and XXXX I received three calls from an unavailable number ( one call being before XXXX ). He stated his name was XXXX XXXX, a legal courier. He did not mention the name of his office, but stated he would be serving me papers either at my residence or place of business on XXXX. I was advised to call XXXX re : claim # XXXX. 

When I called the number I was told that because of an outstanding payday loan to XXXX I was to be charged with " bank fraud ''. But the attorney would be willing to settle my case for XXXX split into 2 payments. 

I was nervous and not yet done my due diligence so I provided a debit card and sent the approval forms. However after doing so I realized that this was not legal nor did it make sense. I took out a payday loan w/ XXXX, but thought it was repaid. And have received zero communication. Plus the loan amount was {$250.00} with a fee of {$45.00}. 

I called back and left numerous messages that they a ) needed to provide details to the account and b ) could not take the money from me and c ) if they did I would dispute to my bank. Additionally I emailed regarding the same. The three times I called were during their noted business hours and my call was redirected into an unknown voicemail each time. 

I will be disputing the charges to my bank today as they did withdraw the money.

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
Consumer complaint received 02-01-2016 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I took a loan from Cash Call in 2013. The amount was {$5000.00}. I did n't understand the terms of the loan because the transaction occurred within a couple of days. I then lost my job and defaulted about 7 months later. Cash Call made it very difficult because they would not work with me until l could get back to work. The interest is now 119 percent. Now Cash Call is threatening to file a lawsuit and the balance is over {$35000.00}. 
Initially the salesman who I spoke with never explained the terms of the loan. Therefore it is my believe that there was despection. When I tried calling him back to let him know I lost my job it was impossible to get him or someone to speak with. 
The collection department would call about XXXX times a day but used blocked numbers or unrecognized numbers. I spoke with someone in that department who was not willing to work me on a partial payment. My salary was and is still very low, and I am not capable of making payments.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Taking out the loan or lease

Complaint: I bought a truck at XXXX XXXX in XXXX XXXX AZ, told the dealer I wanted a truck smaller than my 1 ton dodge ram and cheaper, with interest ate at below 3 % because I could n't afford more and better on fuel, I told them I could n't read the contract so I would have to trust them, they ended up giving me a truck that was more expensive t truck cost over 33,000 plus I put down XXXX on top of that totaled was around38,000 and with a interest rate at 24 % then they told me to tell finance company I made XXXX, little did I know, I left and had some one read the contract it was way of base, I waited 10 days to call the fianc company, dealer said they will call with in 10 days, they never did so I called them told them what happened and they said I signed it ad nothing anyone will do., told both company 's I could not afford the cost or did n't make that kind of $ {$.00} so now there trying to repo it. I have spent a lot of $ $ and need help getting this back or gov going after the practice. they both refused to cancel it. lost more to it, the finance company is in XXXX XXXX. it was pure fraud on dealers side and fianc side pure gread

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 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: Credit inquiries on your report that you don't recognize

Complaint: My credit report from Equifax shows an inquiry from XXXX XXXX. It is reflecting a high credit card utilization against my credit, which is not true. 

According to my report from XXXX XXXX : The last report was on XXXX XXXX, XXXX, for the amount of {$49000.00} Opened on XXXX XXXX, XXXX Last payment : XXXX XXXX, XXXX. I did not make payments on that date to XXXX or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Application, originator, mortgage broker

Complaint: Myself and my same-sex partner are currently in a 30-year fixed FHA mortgage. In XXXX, we were originally contacted by PennyMac to do an FHA streamline refinance because rates were favorable. After talking with the sales agent, we decided to apply for a 30-year fixed conventional instead in order to save having to pay MIP. We were verbally told over the phone that the underwriter did not find the evidence of extenuating circumstances sufficient enough to forgive a foreclosure that happened 6 years and 11 months ago - 1 month away from 7 years when it would drop from my record entirely. I then asked the sales agent if we could go back to the FHA Streamline Refinance and he said " Yes - and it would still lock in your very low rate ''. Later that same day, he copied me on an email to the loan processor and underwriting requesting that my application be switched to the 30-year streamline. 2 days later, we signed the application and loan disclosures for the FHA streamline at a 3.25 % rate. We submitted all signed documents a couple of days before the XXXX XXXX elections in the U.S. Our rate was locked until XXXX. However, shortly after the elections, mortgage interest rates went up considerably and quickly. We did not hear back from anyone at PennyMac. When I finally contacted them a week later, they verbally told me over the phone that the underwriter on the conventional loan DENIED and CLOSED our application so we lost our rate lock. Despite this, I have an email messages that asked the underwriter and loan processor to CHANGE our application - which were sent on the day we were verbally told we were denied. I have YET to receive any documentation in WRITING of our denial / cancellation and the reasons given. Whenever I 've inquired why the loan processor and underwriting did not follow the instructions requesting to switch to an FHA Streamline, I 'm given an " I do n't know '' answer and that the issue would be escalated to management. The sales person, of course, offered to start a new application but since market rates have gone up since we originally applied, the new rate offered was 4.125 %, not 3.25 % which we had originally locked. I suspect that PennyMac is failing to comply with fair lending practices because interests rates rose by almost a full percentage point after the election which was considerably higher than I had " locked in ''. I asked that the issue be escalated to upper management and that I receive follow-up explanation and written documentation. That request was processed on XXXX/XXXX/XXXX ( per email from sales agent ). As of the date of this complaint, ( XXXX/XXXX/XXXX ), I have received no resolution, no explanation, and no denial / cancellation documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion continues to report that XXXX of my loans from XXXX XXXX are filed in bankruptcy. All XXXX loans were paid, never late and in full. I have provided them with a letter from XXXX XXXX that states these accounts are being reported incorrectly. Transunion sent me a letter stating that the information would be updated correctly and sent a new report with updated information. Now, a few months later the report is saying included in bankruptcy again. I have disputed this multiple times. They will no longer accept a dispute online. I have to mail the same information to them over again. This has caused me multiple credit denials in the last few months. I want to know how to fight this once and for all.

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 04/16/2015 about Payday loan () with Big Picture Loans, LLC (MD).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for the loan. When I asked them if the {$500.00} fee was a XXXX time fee they said yes it was a XXXX time fee. They asked for my credit card information so they could take out payments. they charged me {$500.00} for my XXXX payment on XXXX XXXX and recharged me {$500.00}. The person I spoke to never said that they were going to charge that monthly till the loan was paid off with their montly fees. If I would have known that I would not have taken the loan. for them to take out payments was XXXX think to take back {$1500.00} which would have been the {$1000.00} loan and the {$500.00} finance fee, but they are chargeing {$500.00}. I found that part out after I called them back after the first tofindo out why the loan had not gone down any and why there was another {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (TN).
Issue: Fraud or scam

Complaint: During a real estate transaction, our law firm, our client, and the agent were hacked and fraudulent emails & domains were created. We were sent wiring instructions from " our client '' to wire proceeds. Proceeds were wired to a XXXX XXXX account that was set up and used for this scam.

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 Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am in approximately {$260000.00} of debt from school fees that are all from my XXXX education at XXXX University. Many, but not all, of my loans have a 10 percent interest rate. At one point I tried to consolidate, and was turned down. I have XXXX individual private loans ( through Navient - formerly XXXX XXXX ) and federal loans ( through XXXX ). I left school with {$80000.00} in debt. Paying off this debt has been exacerbated by an egregious case of XXXX XXXX XXXX, for which I have been treated ( and had to leave a semester of school for ). I was officially diagnosed at XXXX, though I struggled with this condition my entire life and am currently in XXXX. I am addressing this because the XXXX played a role in my difficulty in initially negotiating, procuring, and then paying off these loans. Many have doubled. This has become an extreme XXXX burden. 

In contacting you, I am attempting to address my debt in a different way, rather than paying the minimum balance I can currently afford and watching the interest continue to accrue in a way that I feel exploits me. Apparently, I 'm wasting my money as a few lawyers indicated. I am hoping to explore my options. 

Throughout the process of seeking legal advise : XXXX lawyer advised me to file a Chapter XXXX bankruptcy claim.In addition, we were exploring the tenets of the XXXX XXXX towards whether or not anything was dischargeable. More than XXXX lawyer indicated that a strategic default was the best option and in doing so ; destroying my credit and providing for a hand-to-mouth off the grid existence. I have explored ; to no avail, almost every avenue of reconciliation which includes income based repayment, forgiveness, consolidation, forbearances, deferment, student loan companies, etc ... Another indicated that I try to find someone to take on my case pro bono or to represent myself pro se. And, another indicated the best option was to engage in a strategic discharge that I find to be ethically and morally reprehensible. However, I 'd be judgment proof apparently. This is not what I want to do! 

I 've been working XXXX hours a week for the last ten years of my life. I am tired, exhausted, scared, and these loans do not seem to be getting smaller, but rather larger. Im seriously concerned with my ability to have a life socially and economically because this debt is such a burden on me. 

I truly am not wishing to exploit this system and want to honor my debt. However, this is insurmountable and I do not see a way to pay off the debt in my lifetime. Are there other options for me to explore? 


I do n't have any idea what to do now ... I ca n't get out from under this seemingly insurmountable debt. I ca n't participate in the economy in any sort of meaningful way ( house, savings, XXXX edu, car, etc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Received call on XX/XX/2017 XXXX HRS from XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 

Threatening to take my property including homes and 401k / pension savings plans to pay off credit card debt. My understanding is this is unsecured debt at high interest rates.

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