milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX I faxed over a modification package and it was received. Representatives at SPS stated that they received the modification, but they did not open the file and that they would continue with the foreclosure process and foreclose on the house on XX/XX/XXXX. A letter was received on XX/XX/XXXX stating that they received my home retention paperwork and to discuss the option available to me. This paperwork was received the same day that my house was to foreclose on. I had to file bankruptcy to keep me home, which an representative stated that I should not file bankruptcy. I opened a case and submitted all paperwork. SPS was not accepting payments anytime during this process. They checked my credit and denial me a modification to keep my home. They sent paperwork for me to do a short sale or deed in lieu of. I am trying to workout a solution to keep my home, but they are not trying to work with me. SPS polices and practices, constitute discrimination against applicants with respect to credit transactions on the basis of race and/ or national origin in violation of the Equal Credit Opportunity Act, 15 U.S.C. 1691 ( a ) ( 1 ). SPS induced the foreclosure by failing to offer refinancing or a loan modification to XXXX on fair terms- which constitutes a particularly egregious form of redlining, given that XXXX sought a loan modification with respect to a bad loan that the bank previously made to him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with CNG FINANCIAL CORPORATION (VA).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a loan with  Allied Title Lending LLC d/b/a  Allied Cash Advance on  X/XX/15    in the amount of {$1200.00}. I have paid {$3800.00} and I still owe {$930.00}. At the time I had no idea that the interest rate was 273.75 % They never told me, but apparently I signed a contract without really reading it. I 'm on  XXXX  and at the time I had lost my job and was not able to pay my mortgage. So I borrowed the money.     Call for Action tried to help me, but the manager,  XXXX   XXXX  for  Allied, Cash Advance,   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , VA  XXXX ,  XXXX   XXXX   XXXX   XXXX  was instructed not to talk to them and has hung up repeatedly and turned the phones off.     I feel like this was deceptive, Had I know the interest rate was 273.75 % I would have never taken out the loan.     Can you help me with this? At this rate I will never pay them back, and they were paid 3 times the amount that I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Prepaid card (Payroll card) with NETSPEND CORPORATION (NY).
Issue: Advertising, marketing or disclosures

Complaint: I received a prepaid card in the mail from netSpend, ready to activate. This is not ok- it 's dangerous to send a ready-to-activate card that anyone could intercept. Additionally, this card incurs all sorts of fees for any type of service you use if for, so it 's very misleading and like a trap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Used XXXX XXXX and other financial/credit sites that utilized Equifax, found out my PHI was possibly compromised. Placed a temporary hold on my credit, concerned what will happen once the hold is over.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: The company called and spoke to the receptionist. They asked for my last XXXX SSN and informed the receptionist they were calling to verify employment for debt collection. My fellow co-workers did not and should not know of my current financial status. It has also damaged my reputation in this brand new position in this new job. I do not think informing my co-worker that they are calling to collect debt not asking for her to reveal my SSN ( which as a regular co-worker she does not have access to ) is appropriate or legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I applied for a credit card with Wells Fargo and was approved. When trying to activate my card my cell phone was not compatible with Wells system. I do not have a land line. 

I went through an extensive underwriting process to get approved, they have all they information they needed in order to approved my credit worthiness. 

With no compatible phone number my account was sent to their Fraud Unit. I was then asked to go to a local branch with my drivers license. This I did. However, when I got to the branch, presented my ID and called the Fraud Unit they requested additional information such as my utility bill, etc. All of these bills are in my husbands name. 

This is discriminatory against me for being a married woman. What do I have to do go buy a new house under my name? 

I 'm infuriated with this process.

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 06-03-2015 about Debt collection (Medical) with Debt Management Incorporated (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was called several times by Debt Management Inc, they were claiming to be a debt collector and wanted me to verify my full social security over the phone. I chose not to do so as I 've had my identity stolen in the past. They claimed to have sent letters, which I never received. They also continued to call me in a harassing manner ( XXXX calls a day ), after I asked them to communicate through written correspondence. XXXX day, I received a voicemail, stating that they were going to file suit, had retained attorneys, and that I had XXXX hours to call them " or else. '' I notified the agent that I was recording the call, he said that it was unlikely that I was doing so, he also asked if I liked not paying my debts and asked if I wanted to go to jail. He hung up, called me back and continued to refuse to email me any sort of verification until I told him that unless I received an email of the debt ( ie : receipt ), that I would n't pay. Without my prompting, he said the last XXXX of my social security, current address, previous address, my full name, and other sensitive information without verifying who I was. After I verified the bill of {$60.00}, I asked to talk to his supervisor. His supervisor got on the phone, started to incoherently scream at me, and when I let him know that I 'd like to record the call, he started screaming that he could have me sued and arrest me if I was recording him. He also said that he could record me but I was n't allowed to record him. Not only was my personal information given over the phone, I was threatened XXXX to be arrested, but I was harassed. As somebody who pays all of my bills and with a flawless credit history, this was a scary and upsetting experience. The health clinic also stated that despite paying, they 've reported me as " refusing to pay. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Trans union XXXX and XXXX shows collections accounts and credit cards I did not open XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX XXXX Ive tried to dispute I havent got anything fixed

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 01/26/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I was sued by Portfolio Recovery Associates, I told their attorney XXXX XXXX, XXXX that I was on SSI and Social Security XXXX he said that it did n't matter, I have received 4 Notice of Levy trying to garnish my bank account, they listed the wrong bank on each one.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: For the XX/XX/XXXX tax year Wells Fargo bank issued an incorrect IRS Form XXXX stating that my rolled over IRA account was a normal distribution and the entire amount is now taxable. On top of that, they also issued another Form XXXX for the required minimum distribution from that retirement account. The rollover of my IRA account took place inside the bank on the same day. 
When I requested a corrected Form XXXX, the bank employees stated they could not do so but the bank would be sending out some other Form in the Month of XX/XX/XXXX that would clear everything up. I do not know how to submit my XX/XX/XXXX tax return with this paperwork and I do not understand why there is such a paperwork problem with a simple IRA rollover.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Credit reporting () with Echelon Financial, Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I received an email from the company " XXXX to sample their genealogical services. When I entered their website, there was a banner from " MyScore '' at the XXXX website to check your credit score for free. I decided to check out the free credit score request given by MyScore. When I entered MyScore website, it immediately led me to give my credit card information, in order to get my credit score. It also started that there was a XXXX access to my credit information and that I could cancel anytime before the end of the XXXX, either by calling them or contacting by email. Understanding that, I gave my credit card information, got my score information and then informed ( I believed ) MyScore of my wish to cancel my XXXX access. I received a reply via XXXX as a confirmation of my cancel request. I later found out that MyScore credited {$29.00} from my account as payment for the credit service membership, which I thought was cancelled. I called the company and informed that I believed I cancelled the service before the end of the XXXX access. I was told that they did n't received any cancel request from me, though I have received such a request from XXXX. I never sign up for any services from XXXX in any shape or form, especially for the money they were asking nor did I gave XXXX my credit card information for such services since already had such genealogy services done from XXXX already!. I believe that MyScore will give the runaround in refunding my {$29.00} to my account, saying I received an cancel confirmation from XXXX for services I applied for with them, when I know I did n't. I never received any email conforming XXXX credit access from MyScore & yet, they have access to my credit account. The only thing I have is the cancel request confirmation from XXXX, after I thought I cancel my credit access the same day I sign up with MyScore!.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-10-2016 about Debt collection (I do not know) with Io, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone has used my personal information to open up this account that is not mine ... my information has been stolen and this was opened fraudulently i have filed a report with the police department regarding this matter.

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 04/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been repaying student loans mostly consistently since 2005. I have XXXX loans, XXXX Private unsubsidized, XXXX federal ( XXXX subsidized and XXXX unsubsidized ). The total amount borrowed since 2005, the XXXX is {$50000.00}. I recently checked the amount I paid over XXXX years of repayment and have paid nearly {$19000.00} in interest only payments on these loans with principal only being reduced slightly by approximately {$2500.00}. 

As of today, XXXX XXXX. I still owe in the ball park of {$47000.00}. I recently spoke with Navient to explore ways in which I can repay these loans back faster because I feel like the amount I 've been paying should have reduced principal more than {$2500.00}. Considering I have 10 years of diligent and consistent repayments on my record, Navient was unwilling to work with me to make paying off my loans easier. They would n't offer me reduced interest rates, would n't re-negotiate a lower lump sum payback, would n't work with me to ensure that any money 's I pay above their monthly minimum would be used toward the principal of any specific loan. 

Their unwillingness to work with me to help me pay these loans back is criminal and their interest rates are predatory. Something has to be done to offer flexibility in repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Managing the loan or lease

Complaint: lease vehicle. at the end of lease i decided to buy the car. paid off the amount requested and the company have n't sent me my letter if completion and my updated title to show no liens attached

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX yrs of payments not showing in XXXX report vs XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Struggling to pay mortgage

Complaint: I had the Firm of XXXX XXXX XXXX, represent me in my loan modification for 3rd time, I had a loan modification done with XXXX XXXX XXXX in XX/XX/XXXX, legal and notarized I made the payments according to the Loan Modification Account No : XXXX dated XX/XX/XXXX it was a loan modification way before every consumer affected by the XXXX XXXX Fraud to millions of consumers, we took the case to XXXX courts on case No : XXXX, and had 4 legal defense attorneys proving the lender did not have the Title or Note, the judge clearly took the Bank side and the illegal transfer they did after XXXX XXXX XXXX went Bankrupt, it has been 9 years of complete nightmare I am senior citizen XXXX XXXX Veteran, and I have seen how the Banks manipulate their paper and interest, I just viewed a Title report that is Fraud in order to do a Foreclosure Sale on my home next week XX/XX/XXXX, it was done by XXXX XXXX, ( aka ) XXXX XXXX by XXXX XXXX XXXX Report Date : XX/XX/XXXX report No : XXXX, they lied and did not report I was the Owner on the property as shown in XXXX Property search and did not filled the information on sales and transfers done with my property as XXXX XXXX Clerk of the courts shows, I ca n't believe that corporations are doing Fake Titles for Mortgages in order to sell the homeowners only home, even with a filed XXXX on record of the court they laugh and continue to do Fraud, I sincerely hope that your agency could place a stop by your powerful office from the US Goverment and help me out on my desperate situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: i HAVE 5 DIFFERENT STATE TAX LIENS ON MY CREDIT REPORT I CONTACTED MY COUNTY TAX OFFICE ; CLERK OF COURT AND IMMEDIATELY GOT A SATISFACTION OF THE 5 TAX LIENS UNDER MY NAME. I CONTACTED THE SC DEPT OF REVENUE WHO SAID IT WAS NOT TO BE ON MY CREDIT AND SENT ME LIEN SATISFACTION AND LETTERS TO THE THREE CREDIT AGENCIES. THIS HAS BEEN SIX MONTHS AGO AND ITS STILL THERE. ALSO I HAVE A DENTAL BILL FOR OVER XXXX ON MY CREDIT THAT IS NOT MINE. HELP ME.MY CREDIT IS HORRIBLE

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 12-07-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I submitted a form requesting from all XXXX major credit bureaus a copy of my free annual credit report. I received a response from Experian telling me that I have already received my free annual credit report. They are trying to count a free credit report as one in which you are decline for credit and request it as the annual free credit report.

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 01/14/2018 about Checking or savings account (Other banking product or service) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I am trying to get a loan through a XXXX XXXX but TD bank is blocking me from enabling external applications. I would like to access my financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This debt company responded stating that they sent correspondence on X/X/17. I had already relocated to another address and therefore did not know nor receive a notice from them ... {$6000.00}. I informed them that I had moved but they are refusing accept the proof I am providing showing I was living at an another address. Please investigate this company as they are making a false statement re : being notified. I will be providing the rental agreement again showing date of execution of move.

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. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: EquiFax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Consumer Loan (Vehicle loan) with Farrell Holdings, LLC (NV).
Issue: Problems when you are unable to pay

Complaint: I did not know of predatory lending and was given a loan even though my income was not enough to cover the monthly payments and sustain daily living expenses. I have paid {$400.00} a month for 2 years and still owe the same amount in which I purchased the car for. I was also asked to pay a {$2000.00} down payment and it was not applied to car.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquires ran without consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Payday loan () with National Principal Group, LLC (SC).
Issue: Can't contact lender

Complaint: I have been contacted regarding a payday loan I supposedly applied for in XXXX 2011 and failed to pay back. I did not take out a payday loan during this time and not with this company or any of it 's affiliates. They have my personal information and have read it to me when I called them back. They have contacted my mother and spouse and threatened to have me arrested if I failed to pay this loan back. I do not owe them money and I want them to stop harassing me and my family. They call from different numbers daily and the address listed on " their website '' is actually the address for a XXXX XXXX in New York. It has reached the point where it has made my wife and I nervous and looking over our shoulders.

Company response to consumer: Closed with explanation