milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have found myself to be part of the hack involving 143 million consumer records that were taken from Equifax. The company has mishandled this data and allowed the identities of everyone involved to be at risk for the rest of their lives. For the foreseeable future it will now be necessary for myself and many others to consistently check our credit reports, handle potential identity theft, and more while incurring the full cost of time, money, and anything else that may come up. 

I have already had two credit cards compromised during the time of this incident and can only hope my other accounts are safe.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: I did a modification with Nationstar Mtg. in 2013. In my modification is was unclear that they were adding a XXXX trust deed for the arrears. This has created a financial hardship for me due to the loan limit restrictions for XXXX XXXX. The subordinated note provided to me states that this loan is due in XXXX. It was completely unknown to me that this was a balloon payment. On this document they failed to indicate that there is a balloon payment feature. When I spoke with them I was under the impression that this amount was being forgiven not added as a second with a balloon payment. They contacted me several times on different occasions to sign documents and sent out a notary public each time. When I asked what they were for, I was told that is was to finalize my modification, no mention of a second. After sending XXXX different people out Nationstar Mtg. approached me a 5th time and offered me {$1000.00} to sign the docs. As I was going through financial hardship I accepted the money and signed the docs and was mislead as to the actual terms, as I thought this was to modify my original note not to add a second note. Because of the FHA loan limits I am unable to refi. I would like to know If this amount can be forgiven as I was initially lead to believe it would be. It is my request that this amount be forgiven due to misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Consumer Loan (Vehicle loan) with Reliable Credit Association, Inc. (OR).
Issue: Managing the loan or lease

Complaint: XX/XX/2015 I wanted to purchase a vehicle but unfortunately my credit was n't sufficient for a " regular loan '' which landed me with a high interest rate finance company ( Reliabe Credit Association ). From XX/XX/2015 until present date my experience has been pure angony. My account is current and never missed a payment. However, when I call regards to my account one manager in particular ( XXXX ) has a derogatory disposition and use abusive language. When I ask to speak with his supervisor he said " I 'm in charge ''! At this point I 'm considering returning the vehicle just to avoid future problems.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Consumer Loan (Title loan) with TMX Finance LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a loan to improve my credit score. I opened a vehicle refinance loan with Instaloan. The loan interest rate is 57.4 %. I did not realize how high the rate was going to be. I also did not know my payments would not reduce the principal loan amount, it covers interest only. 

In addition I can not send payment by mail. I must physically appear in the their office to make a payment. The office is an hour away. 

I feel I was taken advantage of because the rate, payment and payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with Alliance Data Card Services (WA).
Issue: Billing disputes

Complaint: XXXXComenity Bank XXXX/XXXX/16 I took out Comenity Bank Credit Card and purchased XXXX swimsuit. {$100.00} Too small so I returned it to the store XXXX XXXX XXXX in XXXX XXXX, XXXX, WA XXXX/XXXX/16 Order a size larger. {$100.00}. Did not fit, ( too short ). So I returned it to XXXX XXXX. 

Comenity Bank is charging me {$400.00} Total fees charged in 2016, {$320.00} Total interest charged in 2016, {$76.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: National Credit Service is a collection agency who do n't want with consumers who use bad languages to customers do n't want customers to take care of there collection. They way they talk to customers is a shame .They have a lots complaints with the XXXX have they have n't solve because all this company want to do is keep an collection on your credit for 7 years because they know that can do that and customer need them delete that collection off of there credit report they do nothing to help settled the debt or make arrangements to customers. I 'mean affaid to call this company back to discuss my debt with them because of there representative abusive mouth and management who also do the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 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: On XXXX XXXX, I asked for verification of the origin of this debt according to the FCRA section XXXX. 

They have not responded, they continue to collect and report this debt as valid. 

They charge me fees every month, and annually on top of interest. This card was offered to me with a {$250.00} fee to begin with and their practices are unethical in the fees they charge. 
I would like to see the original payment agreement but my account has been sold XXXX now and I can not get any of the original information that they are reporting, so I do not know what charges are correct.

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 Student loan (Non-federal student loan) with National Enterprise Systems, Inc. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Last year an agreement between XXXX XXXX/Navient and NES payment services was met for me to pay back on outstanding loans. As of XXXX of last year I could not access my account. I sent numerous letters with no response. I sent a certified, signature confirmation letter XXXX weeks ago with proof of delivery being XXXX again notifying NES of said situation. I even faxed Navient the same issue with an offer to close out the debit with a lump sum payment of {$2000.00} ; This would have been what I had left of a balance if I was allowed access to my account. As of XXXX XXXX 2015 I have not received a response from Navient or NES in regards to this matter. If neither party wants to communicate with me either via email or mail, then following the FDCPA this debit is not valid and should be removed from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Medical) with Source Receivables Management LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to SourceRM. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was validated wrong by SourceRM. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of SourceRM and XXXX XXXX XXXX. Because neither collection company is abiding my Texas FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (ND).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have student federal student loans. And for 3 years, beginning in 2011, I was contacted by many people from different companies, claiming that they could help me " consolidate '' my federal student loans. They told me that President XXXX, came out with ways so that us borrowers could now consolidate our student loans. 
Initially, for a few years, I did not respond and simply hung up on them, I do not know how they got my phone number to began with. Finally, after many telephone calls of constant pressuring me I listen to XXXX of these callers and they told me they would consolidate my loans for a fee. And for a year I paid this fee and an initial fee and when they " so called, consolidated my loans '', I was totally dissatisfied with who they consolidated my loans too. They put them all with " Great Lakes ''. I did not want them to be with Great Lakes and when I told them I was not satisfied with what they done to me, all they said was, " well, its done and there is nothing we can do about it, be glad they are consolidated. '' So now I am stuck with this Great Lakes company that I do not know and do not trust. I wanted to have XXXX XXXX consolidate all of my loans. 
I believe that I was used and thrown away, because they took my money and did not advise me in any way, shape, or form, as to what my possibilities/options were for companies that consolidate federal loans ; or explain anything to me. I was used and lied to. 
Is there any way that I can get my loans away from this Great Lakes Company? Would appreciate your help, I am sick of being used. I am a veteran and served my country honorably, I deserve to be treated better. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (VA).
Issue: Application, originator, mortgage broker

Complaint: TD Bank failed to provide timely and accurate information regarding the mortgage process. Further, TD Bank stopped responding to e-mails or requests for information once we expressed concern about the misinformation that was provided and their latency. XXXX examples include : ( 1 ) When we completed our mortgage application, the loan processor referred to the new law but assured us that TD Bank could complete the mortgage process in 45 days. Additionally, the TD Bank website states that " generally, your mortgage will be ready to close in 30-45 days. '' Although our closing date was scheduled for over 45 days from the start of the process ( and we provided all requested information in less than 24 hours of the request ), TD Bank did not complete the mortgage process by the closing date and did not inform us of their processes with regard to the new three-business day rule for us to have the Closing Disclosure forms. In fact, TD Bank did not inform us that we would not be able to close until 1 business day prior to closing. This poor communication resulted in financial loss to us because we had already transferred utilities ( costs not yet known ) and paid for city parking for the moving truck ( {$60.00} cost ). 
( 2 ) TD Bank failed to inform us of the option to receive mortgage disclosures electronically. We learned of the option when it was time for us to receive our Closing Disclosure ; however, TD Bank would not allow us this option because we had not opted for this option at the start of the process. TD Bank acknowledged that they did not inform us of this option at the start of the process, but said the law did not allow us to opt in late in the process. TD Bank refused other options that appear to be allowed by the law ( e.g., e-mail or fax ) and insisted we wait for regular U.S. postal mail. The failure to inform us of the electronic option or allow for other avenues resulted in financial loss because it further delayed the rescheduling of the closing date. 

TD Bank appears to need more guidance on how to implement and communicate about the new law to customers. Different associates provided us different information ; we remain uncertain which interpretation is correct or what it will mean for us. We will be submitting more information to TD Bank directly on our experience, but thought it prudent for future customers if we shared our experience regarding TD Bank 's handling of this new law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: i did n't receive any information about this collection. i also disputed a collection that was vacated.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: After receiving and reviewing the results of a recent disputes sent to me, I am now requesting the method you used to verify certain items on the credit file You have refuse to Provide me with full documentation of your process, according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following account : XXXX The data you seem to be verifying has been sold to a dept. collector who has gone out of business, then purchased by another dept. collector who has purchased my personal information without my permission. I have no such of any kind of contract with this furnisher. I think that this is very appalling that you insist on reporting such derogatory and false information on my file. I am asking you to provide me with all documents to support this data. Your dates are not accurate, in question, nor or the amounts being reported. Please provide me in full detail, data that support this. I will pursue further actions in a timely matter against this derogatory data. Please delete this data immediately. I have nothing to do with that account. The furnisher has mailed me incorrect data with my information being wrong. My full name I will provide with this letter. 
As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. I appreciate your handling of this request in a timely manner. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: In the fall of 2014, my home was in danger of foreclosure. Previously, I had tried mortgage mitigation with my then mortgage servicer, Citi Mortgage, but that had not gone anywhere. I had gotten a call from XXXX, urging me to try mortgage mitigation again, specifically a deed-in-lieu of foreclosure. I sent the application for deed-in-lieu to XXXX, with XXXX as the conduit. That process went no where, and XXXX said to send the application again. At this point, unbeknownst to myself of to XXXX, my mortgage servicing had been sold by XXXX to Green Tree Financial. My complaint is thus : after missing mortgage payments, and going into pre-foreclosure, XXXX had dinged my credit rating. They then sold my mortgage or rather the mortgage servicing to Green Tree. Immediately there after Green Tree began knocking my credit, missed payments, in foreclosure. It was XXXX property, XXXX mortgage, but XXXX foreclosures. Why was XXXX allowed to sell the servicing of the mortgage in the middle of my application? Why did XXXX knowingly purchase what was for all intents and purposes a bad debt, and why should they be allowed to hurt my credit for the exact same reason as the company they purchased the mortgage from?

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (GA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XXXX XXXX, 2018, I contacted the company in an attempt to resolve a debt. I was told that I would be emailed a offer letter the day before. The one that I received did not match the settlement we discussed. I asked to speak with the manager sending it, whose name was XXXX. He informed me that the amount owed could not be fixed because it was generated by their computer. I informed them that if they could not send me an offer letter with the discussed amount on it then I will opt out of it. I ended up speaking with another XXXX who was the Director, he stated, and he was very disrespectful, condescending, and unprofessional after I informed him that I 'm not sure if someone was lying to me about what was discussed over the phone the day prior to our discussion. He went into a tyrant and started to tell me to be quiet so that he could give me what I wanted and proceeded to engage in combative behavior with me, telling me he will not provide me a receipt for what I paid to them already and to contact my bank. He told me that this was not a Customer Service job. ( I 'm assuming for him to treat me like a human ) I do not believe that this is the job for him and he should be removed from it. After going through speaking with him, I felt disrespected, ashamed that he had me yelling and cursing, robbed out of my money, and disregarded as a human being. I was already angry and I informed him that I was recording the call to maintain for my records and I will sue them if I needed to. I was transferred back to him after attempting to contact their headquarters office to report his abusive behavior, in which he was then more calm. I informed him that I do not trust them with my information after the heated conversation that we had earlier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Fraud or scam

Complaint: on X/XX/2017 Coinbase wrongfully transferred money out of my bank account and is now refusing to pay it back. When confronted by my bank account transaction proof, they simply refuse to show any proof and are simply ignoring my requests They now have locked my account for 60 days, so I cant even take out my US Dollars valued around {$3900.00} from my account

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: we have disputed with all of them for years, under the fair credit act anything in collections gets deleted because we do not have a agreement with the collections company we have a agreement with the credit card company and they will not remove them at all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (CA).
Issue: Problems when you are unable to pay

Complaint: I totally disagree with Exeter Finance Corporation 's response. Exeter Finance Corporation failed to address the Real Issue and is hiding the fact that they are scamming consumers. Exeter Financing is a scam and its Shady Financing is unscrupulous. On or about XXXX 2014, I entered into a Retail Purchase Agreement with XXXX /Exeter Financing Program XXXX I was NOT employed by XXXX at that time and was not told that I would be fired if the Customer Rating falls below XXXX. XXXX XXXX failed to do a thorough check on my " Proof of Income '', thus without checking the income they put me in this high interest loan with exaggerated monthly payments. Driving for XXXX never generated that much of income to pay that high monthly payments. The intricacies of their financing program has really hurt my credit score and is n't helpful at all. It basically is a trap in a cycle, working for XXXX to pay for the car I signed up for under the guise of steady, gainful employment from XXXX. As stated in my claim I was terminated just a week after my purchase of this vehicle. On or about XXXX 2014, I made many calls to Exeter Finance that I would like to surrender my vehicle but they hang up on me and told me not to contact them anymore. I contacted Kia Dealer and they informed me to contact Exeter Finance as the car now belongs to them. Enclosed is my letter to Exeter Finance requesting them the same. However, they ignored me completely and continued to bill me for this high funded loan. I did not enter into any kind of agreement or sign any documents with XXXX as an Independent Contractor, the findings from government agencies state that this strictly an employee status NOT an Independent Contractor. Thus Exeter Financing Auto Loan is a fraud and scam, the drivers ' paychecks are docked to repay the auto loan. XXXX takes a 25 % from their driver 's and additional fees, there is no way a driver can pay {$980.00} monthly payments with this loan structure and unstable employment from XXXX.

Company response to consumer: Closed with explanation