milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 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: Didn't receive services that were advertised

Complaint: I have gone through the online process three times since Equifax launched the page offering consumers Identity Theft protection as a result of THEIR breach and have yet to receive the activation email. 

I have also called Equifax twice and was told twice that they would call XXXX to request they send me email including calling them today to get bounced to three different people and the last guy I was transferred to kept asking me over and over and over again what site I was using to enroll after telling him over and over and over again that I was going through Equifax 's home page. 

Clearly Equifax has not resolved the issues with getting this matter resolved so consumers can sign up for Identity theft protection for the breach in their systems and since my credit score with Equifax is XXXX!. according to XXXX XXXX, there is  no doubt some sort of fraud on my Equifax Credit report because I have no legitimate accounts there are negative or unpaid, and yet NO WAY To ACCESS my Equifax Credit Report because they have n't sent me the bloody activation email and the customer service reps answering the phones clearly have no clue what they 're doing either.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I purchased a home in XXXX 2012 with an FHA loan through PennyMac. We have been paying PMI as required, but recently requested termination of the PMI due to significant increases in property value. The first request was denied about 8 months ago and we recently submitted a second request. I believe our loan docs state that PMI is to be carried for at least 5 years, however, everything I have seen shows if the home value does not exceed 78 % of initial loan amount then PMI is not required. I have also read that upon request of termination of PMI PennyMac could request an appraisal on our property. We would be happy to pay for an appraisal and feel our property far exceeds the loan to value ratio. Our loan amount was for {$160000.00} and similar homes in our neighborhood are selling for well over $ XXXX. Any information or effort you can make in resolving this matter would be greatly appreciated! We look forward to hearing from you!

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: It started back when I applied to become a student at XXXX of XXXX XXXX. Not fully understanding the process and looking for a way to apply and advance myself in the world I did whatever it took. I was never fully explained the loan process and how the federal vs. private loan system worked. I felt like they just wanted me to sign and move on and get into their system. I went to XXXX for over a year only to be removed from the school basically because I was unemployed. I lost my job during my 2nd year and was unable to make it to classes. After begging with them ( the XXXX admin ) to understand my situation I was forced to drop out, and not like me saying sorry I can no longer make it to class, more like " if you cant make it to class you can not be a student here. '' Being unemployed you have to make smart decisions with your money, and I had to make choices. Every penny counted and when I was unable to physically make it to the campus to attend classes due to budget restrictions I was shunned! So I found myself with a pile of debt in federal and private loans, no job and a partially finished degree. Now that the school is closed I can no longer finish my degree, nor can I use the resources that I was promised by them upon graduation. The summary of all this is that I felt like prey to them. A person who is just looking to better themselves was an easy target and I fell for it, I was a target. I tried numerous times dealing with XXXX directly with claims that I felt I was being pushed out the door and they were being unreasonable with my current situation, but they never listened. 

The school was XXXX XXXX XXXX, MD

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: My name is XXXX XXXX, I have had my federal tax return intercepted along with my wages currently being garnished {$120.00} every two weeks. I have asked them repeatedly to assist me in at least releasing my garnishment and their response has been unhelpful. They need me to get evicted from my residence prior to qualifying me for a release of garnishment. I am a single mother of XXXX with no assistance from anyone. Although I understand this is my responsibility I have a bigger responsibility to my children and have to be able to provide a roof over their heads and this agency/company is making it increasingly difficult. I have missed work ( lost wages ) since I have to seek government assistance for food stamps. I do n't understand how they would rather have me go on welfare ( reluctantly ) then to just release my garnishment and allow me to pay them monthly in return. They already took my refund for $ 7,000+ that was applied to my loan ( XXXX College already a issue ). I am in no way refusing to pay at this point but I basically have to make plans to get to the point of being evicted and finding a womans shelter for me and my children. This can not be what my government wants to occur or how the process is set up to work. Im an XXXX XXXX at a XXXX XXXX XXXX {$11.00} an hour in the XXXX XXXX area I get paid bi-weekly, I have XXXX little boys ages XXXX and XXXX years old and I am the sole provider. Do the math Im going to be homeless because of this issue. I understand XXXX College is being sued and they wouldnt assist with that issue either just brushed my concerns and didnt answer my questions. I have escalated my situation to members of management and they insist that there is nothing they can do for me unless I get eviction papersEVICTION papers!! So their advise is to get evicted and become homeless with XXXX children living in the streets or shelter. I just dont understand how thats their advise or direction. There has to be something that can be done to help me other than just allow me and my children to get evicted. They have poor customer service skills dont help theyre almost rude and condescending when speaking with me like Im worthless debtor. I feel bad enough Im under serious stress and turmoil over this financial issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: When I loaned my XXXX in 2012 I was told 7 % for 6 years since my credit was not good.. But if I add more on the monthly minimum payment it will shorten the length of payments. After 4 years paying my loan I contacted Toyota Financial Services to decrease the interest because I become disable. I was told my car loan interest is 11.54 % and they are just 3rd party, they cant help me. I called the Dealer Agent he said he didnt know that if only he knew it he will advise me to refinance after one year. I also mentioned if I pay more it will just be deducted for next month payment. I found also Toyota will settle a lot of money for discrimination of loan pricing. I was not only had been discriminated but completely deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Wells Fargo today and they informed me they have not received all documents for review for modification.I sent them overnight mail last XX/XX/2016 and they were received XXXX/XXXX/2016 XXXX /Yet they deny the items requested complete mind you for the underwriters.in the meantime their delay is allowing them to continue foreclosure proceding.They did this before they keep asking for documents they say will complete the process but then keep asking for more.if wells fargo keep asking for more documents outside what they original requested the IT IS TECHNICALLY IN REVIEWAND FORECLOSURE NEEDS TO CEASE.THEY ARE BEING SNEAKY .PLEASE INTERVENE BEFORE I LOSE MY HOME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MD).
Issue: Problems when you are unable to pay

Complaint: Hello, Im a XXXX veteran unemployable. My wife and I were able to purchase a brand new car from XXXX in XXXX Delaware. We received the car in XX/XX/2016.Approximately 2 months later we received the loan papers from Ally auto financial company. They were requesting 2 payments right away, and the third payment was coming up due shortly. The 2 payments would have been $ XXXX {$460.00} ( upcoming 3rd payment ) .To speed up this story, I have been in constant contact with them. This week XX/XX/XXXX, I spoke to my loan manager, XXXX . I advised her I will make a payment within 2days. On Saturday morning XX/XX/XXXX, at XXXX I spoke to a XXXX ( male ) and he transferred me to the payment line. I made payment and received a confirmation number. Before he transferred me I advised him, the same thing I told XXXX. I said after this payment, I would make a payment on XX/XX/XXXX. Approximately 2 1/2 hrs later, my car was being repossessed! I spoke to the tow truck operator and he obviously saw I was XXXX. I advised him I paid for the car earlier and I need to go back into my home and get the company on the phone and I would get the keys. Approximately 2 minutes later, I returned to the outside and my car was gone and you can see on the loose rock the car had been dragged! I did not find and business cards anywhere. I spoke to a female who answered the phone for Ally, she said she had no idea why this happened!? She tried Call XXXX the repo company. Unable to? I need help desperately. I respectfully request your help. FYI : I had constantly informed different call takers I am a XXXX veteran. I. Said I got the loan papers 2 months after the car was bought and I asked if the 2 months could be placed on the back end of our loan. I was told, I would have to have 6 months paid, before they could even consider the request.?? Therefore, Im 2 months behind. I believe the loan company is a bad practice business and they need to be dealt with. They are bullies. I understand I need to pay my bills, but how can I pay when the company is setting me up for failure!!!!!! On the other hand, the repo company acted in a bullish, destructive manner. I am a XXXX and proud to have done so, but I did not fight for bullies and loan companies who place consumers in a failure modeMy XXXX took pictures of the loose loose stone. Please help me. I need to have my XXXX drive me to my points in the car. Thank-you.

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 01/27/2017 about Credit reporting () with National Credit Systems,Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I just requested a credit report ... 
Background about me ... I have been in family courts for 9 years ... 
in and out of XXXX. Court - nowhere to turn for help ... 
My solution ... move to a new address, some place I felt safer ... 
The problem : Every time I moved, I broke a lease ( 2x ) ... this is now reflecting on my credit report. 
Additional info : My daughter was XXXX XX/XX/2014 ... I have had no contact with her since then ... 
I have been working hard to better myself since the abuse started ... obtained my XXXX in XX/XX/2014 ... graduated from the XXXX and left being XXXX XXXX ... 
Now I am trying to buy a home ... 
However, the XXXX places I moved from in the past, show up on my credit report ... 
What are my options ... 
Do I have any? 
Thanks. 
XXXX XXXX ( I have attached a copy of the document 'CreditIssues ' with the XXXX creditors listed at the bottom ( the XXXX is a mistake and I am getting it removed )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (I do not know) with Check Security Associates, LLC (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: contacted someone listed as relative advised them to tell me to contact XXXX XXXX at XXXX extension XXXX or XXXX very important XXXX about garnishing wages

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax is taking too long to conduct my investigation and respond. I requested an investigation XX/XX/XXXX, but they have not yet responded to me with the results.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please confirm with The Social Security Administration of my name on their file. They are one of the ones that told me to contact the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Had An Account With XXXX A Few Years Ago But I Changed My Mind And Decided To Close This Account Like With In 30 Days! I Paid All My Balance Owed On This Account At That Time! Now A Few Years Later Their Trying To Collect The Amount Of {$39.00} From Me And It Shows On My Credit Report That The Account Is Open??! This Is All Wrong!!! Have n't Heard From Them In Two Years And Now Their Trying To Collect Something I Do Not Owe!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: XXXX - I financed XXXX XXXX XXXX XXXX from XXXX XXXX XXXX via American Honda Finance, ( 72 month lease 15 % APR ). My credit score at the time was between XXXX. I traded in XXXX XXXX XXXXXXXX XXXX. XXXX - CFPB ordered American Honda Finance to pay XXXX XXXX dollars to borrowers discriminatory lending practices. I contacted the CFPB hotline to inquire, and was advised further information would be available in the coming months. XXXX - I was contacted by XXXX XXXX XXXX about refinancing my vehicle and/or trading in new vehicle. When I arrived after review from finance team, I was told I did not qualify for refinancing. I then provided the agent a copy of the CFPB consent order. The agent went to his colleague, came back and acknowledged the consent order, and was advised that if my monthly payments can be dropped from XXXX to XXXX after 3 consecutive months of on time payments. XXXX - CFPB posted article outlining steps to follow to participate in the settlement ( link : https : //www.consumerfinance.gov/XXXX ). I sent info to the administrator, but received a response letter stating that I was not affected customer of the settlement. Even though the XXXX interaction seemed to acknowledge that I was an affected customer in the settlement. XXXX - Received an notification of default letter via non-certified mail for the full balance of the loan. I made previous attempts on bringing my account current, but their threatening nature about the status of the loan had me very apprehensive about contacting them up to this time.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Account opening, closing, or management

Complaint: Re : Citizens Bank, XXXX XXXX, Ct. 
Acct # XXXX, XXXX XXXX XXXX of XXXX XXXX XXXXI have multiple personal and business accounts with Citizens Bank and have been repeatedly told that because of the total large amount of money I have on deposit none of my accounts will be charged a service fee. On FOUR separate occasions I have discovered that for months Citizens has been charging some of my accounts a service fee. Each time I talk to and email my representatives asking for the fees to be reversed, for a written letter apologizing and explaning what happened, and for a written assurance it will not happen again. The first three times the fees were reversed but I never got so much as a phone call, let alone the written documentation I requested. Today I discovered that CitizensBank again has charged the above acccount a {$25.00} service fee on XXXX, XXXX, and XXXX/XXXX/15. I am not sure if they have charged my other accounts or my wife 's accounts on other dates.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Payday loan) with Debt Recovery Solutions, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015 a collection company by the name of " Debt Recovery Solutions , LLC '' put derogatory and inaccurate information on my credit report. It shows that the original creditor was XXXX and the client was " XXXX XXXX, XXXX ''. It shows the amount was for {$310.00}. On the credit report it shows that the account was open on XXXX 2015. I have not opened any accounts with " XXXX '' in XXXX 2015. I was not properly notified per the Fair Credit Reporting Act, so I was unable to verify the validity or dispute the debt. This is in clear violation of the Fair Credit Reporting Act. The only notification I received was XXXX letter from Debt Recovery Solutions dated XXXX XXXX, 2015 requesting to pay {$230.00} by XXXX/XXXX/15 which is a settlement letter. This is another violation since the creditor put the inaccurate/derogatory information on my credit report and reported it to the credit bureaus at the same time. This action is a violation of my consumer rights and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Contacted XXXX XXXX XX/XX/XXXX about misinformed information in my file. Sent in my bankruptcy schedules and discharge paperwork. 

Contacted again onXX/XX/XXXX- spoke to XXXX at XXXX XXXX. They said it was fixed and the company needed to repull report. Company repulled my report- the issue wasnt resolved. 

Contacted againXX/XX/XXXX- they said that they needed a release date. Resent the information again asked for a supervisor- none available. 

Contcated again XX/XX/XXXX- confirmed receipt of info. 

Contcated again XX/XX/XXXX- they confirmed that the file had been updated. Advised to pull a new report. New report was not updated. Asked for a supervisor- none available. Left message. 

Contcated again on XX/XX/XXXX- again they confirmed the issue was resolved yet the file still shows the same info. Again asked for a supervisor- none available. Left message. 

XX/XX/XXXX- Mortgage company cancelled my closing date due to information being reported improperly and inability to resolve. 

XX/XX/XXXX- Called the NY office- lady gave me the name of a supervisor at XXXX Contacted XXXX ( Supervisor ) no return call. 

XX/XX/XXXX- reached someone in XXXX- he said he needed to send my inof to a rep in US. He didnt have a supervisor on site.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Credit card) with United Collection Bureau, Inc. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Consistently calling me at work even though I told them that I can not take calls at work

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have a credit card under my name and there has been purchases made in New York and other states for the amount of {$31.00}. I called the company to file a complaint and canceled my card. I was told that I will receive a new card shortly and that they would open an investigation. Today I entered my account and found that other transactions are still being made. East bay for the amount of me {$210.00}, XXXX XXXX XXXX amount {$13.00}, XXXX XXXX XXXX {$13.00} these transactions were placed on XXXX XXXX, XXXX. On XXXX XXXX, XXXX another transaction took place for the amount of dream chasers for the {$150.00}. Transaction on XXXX XXXX, XXXX for the amount of {$31.00} in XXXX XXXX in newyork. I believe I am a victim of identity theft because I reside in XXXX XXXX and all these transactions took place in the united States. And I havent authorized these purchases.

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 01/21/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We have received a call from southwest credit asking for myself. I asked what it is regards to and all they said was it is a personal matter and we need to verify address. I am not going to verify anything to anyone unless I know what it is regarding, because of criminals.

Company response to consumer: Closed with explanation