milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2017 about Vehicle loan or lease (Loan) with Coastal Credit, LLC (CO).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: NEW DOCUMENTS SUBMITTED FROM ATTORNEY FILE.  Coastal Credit,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , CO  XXXX , issued a loan to me for a     XXXX   XXXX   XXXX  . I purchased the   XXXX   XXXX   from   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  ,  XXXX , CO  XXXX  ( Exhibit A ). I returned the vehicle prior to  3 business as  the dealership violated the Law of t he State of Colora do. I contacte d Coastal Credit regardi ng the returned vehicle and instructed them to withdrawal thei r EFT payment to     XXXX   XXXX  . The company refused. I hired the law firm of  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   XXXX  , to defend me regarding the actions of   XXXX   XXXX    employees ( Exhib it B1 and B2 ). In  addition, I contacted State of Colorado  Criminal Investigator,    XXXX   XXXX  , to file a criminal complaint against   XXXX   XXXX  .  Attorneys fo r   XXXX   XXXX   agreed to settle out of court and refund  Coastal Credit  for the cost of the loan. I continued to pay  Coastal Credit ti mely payments until the lawsuit terms indicated I no longer had to a s Coastal Credit wa s made aware of the fraudulent loan within 3 days of the purchase of the vehicle. However,  Coastal Credit refused to honor Colorado law an d victimize me further. Moreover, the State Criminal Investigation did conclude my rights were violated and  Mago Auto wa s to refund the cost of the car ( Exhibit C ). I complied with State Law and made payments to  Coastal Credit, retu rned the vehicle to  Coastal Credit as I was d irected by the court to do and I was not required to make any further payments to  Coastal Credit. Coastal Credit fail ed to file theft charges against   XXXX   XXXX   or recall the loan. Their failure is not a failure on my behalf to have a charge off on my credit. As is consistent with Colorado Law the charge off as listed on my credit reports with  XXXX ,  XXXX , and  XXXX  by  Coastal Credit is a fra udulent entry must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Payday loan () with Big Picture Loans, LLC (TN).
Issue: Applied for loan/did not receive money

Complaint: I applied early on Wednesday. I was told I had applied and was approved early enough to have the money in my account the next day. I did not. I called and was told it would be in my account the next day. It was not. I waited another day and on Saturday, still no money. I called and was told they had a " system error '' and that I would get it Monday. Well, I doubt I will. Even if I do, that is almost a week later than I was assured I would get the money. I asked about adjusting my payment date and was told they could n't. I asked about lowering the interest charged on the first payment, since I was now, at best, getting the money 3 weeks before the first payment is scheduled instead of almost a month. I was told they could n't change anything. They are charging me interest on money I do not have. This can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: i believe under the federal act and amendment that if the original creditor is not filing the compliant with bureau why is the collector not providing enough information to collect the debt or validation of debt it should be remove from bureau until further notice looking for sign contract or terms of agreement collection make frivolous attempt to collect debt as per credit bureau account number XXXX scs collector, XXXX XXXX if debt was transfer debtor should be remove duplicate debt for same entity whom is the original debt collector need original terms or agreement to support the claim making the scores drop and poor judgement, on amounts how can the make cliam i was never notify of debt or collection identity theft

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 10-02-2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Other fee

Complaint: Over the course of the last five years, we made a number of purchases on our XXXX Home Depot credit cards. There were several times we got an offer of zero interest for two years, but, to my knowledge, we never signed up. This last month, we were just charged a lump sum of over {$8800.00}. on our XXXX accounts for two years ' interest on the entire balance ( previously about {$11000.00} ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax will not delete the the hard inquirires and collection and negatives on my credit report. Also I received a Retaliation and Discrimination response from Equifax Management and Administration on XXXX XXXX,2017 .Equifax called me XXXX XXXX , my name is not XXXX XXXX . My name is XXXX XXXX XXXX and I am XXXX XXXX. My credit scores and credit are suffering because of the major Retaliation from Equifax Administration.Equifax is Discriminating and Retaliating against me because of my  XXXX XXXX National Origin as a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been disputing things on my credit report and just yesterday my score XXXX TU XXXX XXXX XXXX XXXX I went to check it again because I am currently rebuilding and low and behold my TU dropped XXXX points and there were no changes on my report. I do n't have any new accounts, nor have the age changed on any of my accounts. My Credit Card usage is under 30 %. The CB are trying to discourage consumers into disputing anything on their report and this is not fair. I 've been working hard to acquire a higher score because I would like to buy a home. This is such a discouragement. In the attachment I understand these are XXXX Scores yet it still was a tremendous drop.

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 06-04-2017 about Student loan (Federal student loan servicing) with Dream Center Education Holdings (MN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was lied to by a school recruiter named  XXXX   (   XXXX   XXXX   ) w hen I had inquired about going to college for an  XXXX  of  XXXX   XXXX  degree. He stated the amount of student loans I would need would be no more tha n 15K  when I was completely done and graduated. This amount was not even close to the amount it was (  XXXX  ) after completion. I would never have went back to college if I had known the truth about the costs, but I was lied to. I worked very hard at school and graduated with a high GPA. I graduated in  XXXX  with my degree and was super excited to get into the work force with a new career after having been a single mom for years and then a   XXXX   XXXX   XXXX   XXXX  . This degree offered me everything I always wanted for myself, for financial freedom, it meant the world to me. I spent 3 years looking for a job related to the degree I worked so hard for and I still look, there are no jobs for me to use this degree. I feel duped, lied to and used to make profit for the government. I was pressured to go to school " To make your children proud of their mom '' was what the recruiter  XXXX  said to me on the phone. Now I am in a situation in which I am in a pay according to my income, which is at the poverty line, it hurts my credit and the interest has it u p over 50 K  now. I have been frauded and knowing what I know now, there is no way I would have went to school. If you can not help me with this, please send to whatever department that can help me expunge this debt as it was under fraudulent means!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Payday loan () with DFC GLOBAL CORP (CA).
Issue: Charged fees or interest I didn't expect

Complaint: Regardless if they had a sign up like they say referring to XXXX money mart has severalsigns they never pointed out an option menus and failed to tell me how much they charged me, now I want full reimbursement because they tainted my cash I want the full amount of the check I cashed because they tainted my money also the state of California does not want them burning me also they have copies of XXXX checks the XXXX was to my attorney and the other to me and they are withholding XXXX of them from you why?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan account with BSI Financial. My account includes escrow for taxes and insurance. I have contacted them at least 10 times by both email and phone since XXXX trying to get them to pay the county taxes that were due in XXXX. They have yet to act, and I have no where else to turn since they will not pay the bills. I tried to cancel my escrow so I can pay the bills myself, but they denied the request since my loan is less than two years old. I need assistance getting my tax bills paid, in which there is more than sufficient funds in escrow to cover. 

Account number is XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: They will not work with me on my student loans despite acknowledging my lack of income as compared to previous income ( after job loss I had to start over in the job market ) .. I was never informed that I could 've done income based payment options until I was out of fierce stance options. I never knew there was a limit to the amount of forebearance you could do on the loans. It was always offered to me when I was behind and I took it not knowing the consequences over the long term. Now I 'm in need of forebearance due to income and it will not be awarded nor can I afford the payment amounts they have offered.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Several years ago my report had me with a XXXX address. I have never set foot in the state. I sent a dispute. They denied it saying I would have to prove I have never lived there. I could n't think of a way to do that. No when the ask security questions to get my reports or dispute because I do n't know the answers I am shut out of my own reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received over 23 calls from diversified consultants ( XXXX ) for a debt owed by a XXXX XXXX over the past two years. I have told them I am not him nor have I ever heard of them. When I tell them this they either become argumentative or abusive with foul language. I have asked them to stop calling which they never do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Dear Madam or Sir, I find I had by cheated, I want compliant Bank of America mortgage department. My refinance loan number is XXXX. I request BOA refund my prepaid appraisal fee {$470.00}. 

When I found my refinance loans amount having {$870.00} different, I want cancelled my case, I told with mortgage loan officer ( XXXX XXXX XXXX ) of BOA for the loan amount I want cancel my case, but after she agree the loan amount is {$220000.00} at XXXX XXXX, 2016, so next day I went to BOA office sign IRS documents. Then XXXX following processed the next step call appraisal schedule to my house value. When I received the BOA report found the loan amount did n't correction for change. 
After the house appraiser value of my house, I got the house value was {$540000.00} over 50 % for my loan amount, but XXXX called me I need replacement for my fences, I think it is unreasonable request, it is hard to accept, because the old fence has been deducted value from the total value of the house. 
I thought about my case, if the loan officer did n't agree my loan amount she can made the case cancel when I request, no need the house appraisers take my house value, so I no need pay the appraisal fee. Then she conduct the appraiser for my house after then picky on my house made more request of my house, after that I cancelled my case. 
When I complain with XXXX XXXX XXXX and BOA services survey, never got any respond. 
I felt very uncomfortable and unfair, the BOA give to me unreasonable request. So I request BOA refund my prepaid fee {$470.00}. 
I want get government help for my case. Thank you so much. 


sincerely yours, House Owner : XXXX XXXX XXXX Email : XXXXXXXXXXXX Cell : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX My refinance loan number is 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 monetary relief
Consumer complaint received 11-11-2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (WV).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I moved from our home in XXXX XXXX to take a job in XXXX XXXX. The home was financed by Chase and I spoke with many people in an unsuccessful attempt to arrange a short sale through our realtor. Our neighbor was willing to pay XXXX in a short sale but the realtor said she was unable to arrange it because the Chase Bank site that she went to demanded {$200.00} to finish the application. Chase bank sold the house on the courthouse steps in XXXX XXXX for {$30000.00} on XXXX XXXX, 2013. Chase informed the IRS that we had capital gains in the amount of over {$30000.00} for which we paid enormous taxes. This week we received a letter from a Texas attorney who supposedly bought Chases interest in the amount we were unable to pay and is harassing us for over {$38000.00}. Throughout this process I took detailed notes, kept meticulous records, and still have all of the paperwork from that horrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I am the owner of XXXX XXXX XXXX, XXXX, NC XXXX. 
I bought the property in XXXX and paid as agreed until the endof XXXX. Due to personal and economic problems, I could notkeep up with payments to Select Portfolio Servicing XXXX XXXX XXXX. Both Deed of Trust were obtained at the timeof my purchase. These Companies are the current servicingcompanies that this complaint is all about. 
I gave up with XXXX XXXX even though they are chargingme a current rate of 12.5 % interest. They are impossible totalk to on the phone. Harassment is the only descriptionthat can define this company. I have gotten well over XXXXcalls, even on Sundays per year. It should show in their records. 
I had worked with SELECT PORFOLIO SERVICING to obtain anadjustment of the current interest rate of 8.5 % but I wasnever able to get a positive response. I decided to ask for aDeed In Lieu due to the fact that SPS has gotten appraisalsand XXXX to find the current market value, I bought the property at {$85000.00}. Today it is reported that is worth no more than {$40000.00}. Since I stopped payments, interest and penalties has adadded up to over {$96000.00}! 
After months of paperwork, In XXXX XXXX, I was told by SPSthat the STATUS of my account was at a Title search stage. 
Every single conversation with SPS has my permission to berecorded. Within days from that phone call, I received a letterfrom SPS denying my request for a Deed In Lieu due to lack ofsent by me. Since then I have copies of faxes sent to SPSshowing information as per request, yet I receive letters almostdaily, from SPS. My stack of papers is now over XXXX inches thick. 
I have been to court XXXX already for a foreclosure hearing. 
XXXX it has been reschedule because I showed the courtpapers to prove my case for the Deed In Lieu. Next courtdate if XXXX XXXX, XXXX. I have proof that SPS is very wellaware of this date. 
I do not know what else I can do to make SPS to have theunderwriter do his/her job and finish what was startedover a year ago. 
I just send a package to multiple parties asking for help toresolve this situation. 
NOTE - The home is not in bad condition. It can easily beupgraded for very low investment and it must appraise ata value of at least {$70000.00}! I know, I am able to get CMAwhich is a Comprehensive Market Value from the MultipleListing Service that REALTORS use. 
SPS is practicing business in an incompetent manner. 
This situation could have been completed to the satisfactionof the Investor holding the Deed of Trust and SPS. 
A family could be living in this house for a very low price andall parties could have saved time, money and aggravation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had bundled my account with XXXX for internet and XXXX when I first set up my account with them. My account was bundled without my permission or knowledge. I was not aware of this until I noticed a credit on my account of {$100.00}. I called they said I owed {$180.00} for the new stand alone account for XXXX then it was reduced to {$75.00}. I spoke to a rep XXXX on XXXX/XXXX/2013 who did not know why they split my XXXX off my account so he applied the credit of {$100.00} from my current account to my XXXX bill. Then I started receiving more bills for the account I did not open so I called and spoke to another rep XXXX then the manager XXXX on XXXX/XXXX/2013 who insisted I owed this to them he would not listen to me when I explained that this should have already been cleared up as their error not mine. Since then they have sent me to collections for the {$75.00} that I do not owe. I have been fighting this since 2013. I had it removed from all XXXX credit bureau 's last year but they moved the claim from XXXX to Stellar Recovery Inc. and it 's back on my credit again. I spoke to XXXX at Stellar Recovery Inc. XX/XX/XXXX and explained what happened so she disputed it. Even though they have no history of the account or this charge they will not remove or close the collection or stop sending me to collection for it. I have exhausted all efforts to clear this up only to end with the same result. I do not owe this and would like this to be resolved once and for all. I have all this documented from the time this started to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Previously disputed bankruptcy reporting on credit file several times. I sent a validation letter asking for the person that verified information through clerks office but received no response back. I also contacted XXXX XXXX whom a rep by the name XXXX XXXX at (XXXX) XXXX who explained that a bankruptcy was not showing on her end. I also received a letter from XXXX stating the timeframe required that the bankruptcy could not be verified accurately after a re investigation.

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 02/14/2018 about Debt collection (I do not know) with Account Control Technology, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am constantly contacted about another person with my name. This has went on for several years. She has a different birth date and social security number. The creditors ask me if I know that person or how to contact them. They call my family, etc. They are disbelieving when I tell them I am not that person. I have to give them my birth date and last 4 of my social to get the calls to stop. The latest call was from XXXX XXXX XXXX. ( XXXX ) XXXX. They are usually about student loan debt. Is there a way to stop these calls? They will stop for a while, then start back up again in waves by different companies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief