vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SB Holdings, Inc.
State: NC

Complaint narrative:
Five years agoon XXXX XXXX, 2012, my wife ( a XXXX XXXX ) and I signed off on an installment plan loan with a XXXX XXXX  specialized lender, XXXX XXXX. The loan amount of {$7800.00} was to be paid back in 120 monthly installments over a period of 10 years. The interest rate of 12.5 % was set by the lender and presented to us as a fair deal. The monthly payments of {$11000.00} appeared to be an amount that my wife and I could afford at that time. The loan was presented to us by the renowned local XXXX dealer, XXXX XXXX XXXX, XXXX, in XXXX, NC. We did not receive proper counseling about the details of the actual interest payments versus premium payoff that we would face over the next decade. In all fairness, the total amount of expected interest payments was listed in the contract that we signed. My wife and I were sure that we would afford larger monthly payments than the required {$110.00}, and would therefore be bale to pay off the loan much earlier that the anticipated 10 year loan period. Unfortunately, we did not pay attention to the fact that the industry a-typically long duration of the loan would entail paying mostly interests in the first 5 years of the loan. Only today, and after many phone calls with the lender did we learn that a 10 year loan was highly unfavorable for our specific purposes, needs, and financial situation. Almost 5 years into the loan, we have already paid over {$6700.00} and still owe a {$5200.00} payoff sum. Had we been counseled more thoroughly, we would have certainly opted for a 60 month loan instead, and would by now almost have paid off the total premium and interests. The original loan details were made in bad faith and took advantage of our eagerness to buy a good quality XXXX for my wife 's career outlook as a XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My personal information may have been compromised in the Equifax security breach earlier this month. In today 's world it is basically impossible to make major purchases without developing some sort of credit history. Essentially consumers are forced into using credit cards, and therefore divulging personal information to 3rd party companies such as Equifax. There should be certain safeguards/security in place to protect this data. This was not done for millions of people and that is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I, along with my advocate from the Office of Congresswoman XXXX XXXX, has asked that XXXX contact me by mail only. Since making this request numerous times, XXXX has stated in their most recent letter the numerous attempts to contact me by phone and most recently resorted to using intimidating and aggressive tactics such as posting mail on my door indicating a Notice of Default and listed a Trustee 's sale date of XX/XX/XXXX 

In the last few correspondence submitted through the CFPB, requests were made asking XXXX to provide dates in the month of XXXX for me and my advocates to come and review files in XXXX headquarters located in XXXX XXXX XXXX, Utah. The most recent letter received by XXXX neither specified a date nor acknowledged the requests. A month 's notice is required by my employer before consideration can be given for time-off requests. Hence, I need to submit a request as soon as possible and subsequently secure travel plans. 

Additionally, the issues raised in the letters are not redundant but instead seek to compel XXXX to submit valid supporting documentation to support their erroneous claims. Copies of Assignments from the County Recorder 's Office provided by XXXX do not indicate the transfer of any rights to XXXX. XXXX XXXX name appears nowhere on the documents. Instead, XXXX repeatedly refers  to a Trust ( XXXX ) that closed in XX/XX/XXXX, according to the IRS, The Security and Exchange Commission, XXXX XXXX and the State of XXXX  Division of Corporations where the Trust was registered and terminated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I 've had an old navy credit card for quite some time now. I 've never had a late or missed payment. I paid the credit card balance off which was {$140.00} and they closed my account. I feel as if this looks bad on my credit report. I 've been a very loyal customer.

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 2017-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I purchased a vehicle at a XXXX dealership. The payment due date was set up there. We asked the salesman if he could get it on the first of the month. He told us we could set it up on the XXXX when we get paid with the Financial company called XXXX XXXX. We signed the deal. Immediately after we contacted the company and explained we wanted the payment due on the XXXX when I get paid my XXXX check. They stated they could only extend it to the XXXX, however that would not be a problem because we had a 10 day grace period with no charges. Then without warning sometime later Car finance no longer had the loan and a Flagship Credit Acceptance had it. I noticed they had been charging me late fees after we payed the payment. I talked to them multiple times and they would not even hear my complaint. They gave NO regard to my explanation. I have also noticed my payments have not gone down as they should and I have no idea whats going on. I have repeatedly asked for a breakdown of charges and they absolutely refuse to show me anything on paper. I am so up set with this company and I know i have been taken advantage of Financially. I have a Case pending with the Florida Office of financial regulation. Case number XXXX. The company will not even respond to them according to the person who is handling my case. I feel strongly I must elevate this to another level so I can get the answers and monies I feel are owed to me due to the inaccuracy of this transfer as I believe it is very wrong. I feel they are exploiting me because I have a XXXX. I am a XXXX veteran and I can do nothing. The payment interest is something I never understood when I signed these papers. Its seems very wrong that I am paying my payments and not allowed to even know what the principle is and how it was applied.

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 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have unauthorized inquiries on my report. I have not applied for any credit and Trans union refuses to remove the inquires.

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 2017-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: FL

Complaint narrative:
I purchased US Bank prepaid XXXX # XXXX and XXXX with initial value of {$200.00} in XXXX XXXX. I opened packages with these cards in XX/XX/XXXX and discovered that money has already been stolen from these cards in XX/XX/XXXXvia purchases on XXXX and XXXX XXXX XXXX! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I contacted one of merchants ( XXXX ), they found these transactions and said that money have been transferred to a fraudulent XXXX account. They suspended that account, but according to XXXX they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.

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 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TransUnion is deliberately obfuscating their security freeze instructions to direct customers towards their fee-based " XXXX '' monitoring system. They are doing this in direct response to the XXXX breach and appear to be intentionally exploiting customer fears to drive customers towards a revenue-generating product instead of assisting them in exercising their rights under law. 

Here is a permanently archived version of the TransUnion credit freeze web page as it previously appeared on XX/XX/XXXX, the same day as the XXXX breach announcement : XXXX XXXX XXXXhttps : //www.transunion.comXXXX Notice the specific direct instructions in plain language regarding what a security freeze is and how to add or remove a security freeze. 

Here is the TransUnion credit freeze web page as it appears since XX/XX/XXXX : https : //www.transunion.comXXXX Here is a permanently archived version of that webpage made on XX/XX/XXXX ( in case the above page is changed ) : XXXX XXXX XXXXhttps : //www.transunion.comXXXX Notice the specific clear instructions have been replaced by a marketing message carefully crafted to lead customers to sign up for their revenue-generating TrueIdentity product. Also notice that discussion of customer 's rights to a credit freeze is deferred to the end and written in very passive language ( " About credit freeze '' etc ). Also note that on their XX/XX/XXXX ( and current ) page they imply that some customers may not qualify for a credit freeze when they state that " a credit freeze may be available under your state law. '' This is in direct contradiction to their statement on their XX/XX/XXXX page they explicitly state *at least twice* that " TransUnion will allow any consumer in any state to add, lift or remove a security freeze. '' TransUnion appears to be intentionally misleading customers by using deceptive marketing tactics and intentionally vague language in order to manipulate customers into signing up for a product they do not need. The objective seems to clearly be to increase their profits by preying on customers in a time of crisis.

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 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I paid my car loan off on time and paid off other bills on my credit report and my credit score drop down very low from XXXX to XXXX when you pay bills off on time how they take my score down .now I can not get a car loan because my sore is very low .I was told my score will go up it went down.I talked to the three credit Equifax, XXXX, XXXX. I talk to them around XX/XX/XXXX-XX/XX/XXXX ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: TX

Complaint narrative:
I was contacted by TRS RECOVERY SERVICES in XXXX XXXX, Texas with a " notice of unpaid electronic transfer '' relating to check XXXX. I wrote check XXXX on XXXX2011 to XXXX XXXX, the tax collector, for titling a car I had just bought at that time. I still have the check registry. The amount trs is claiming is {$1200.00}. the actual check was for {$180.00} ... Again, to XXXX XXXX  TRS says they, or their parent company telecheck, bought the debt from tractor supply company who I had never heard from and never heard of. TRS sent me their letter on XXXX and threatened to send my debt to a professional debt collection company, which it appears they are anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I receive regular checks from a person who has a personal checking account with Bank of America. I usually go into Bank of America to cash these checks. Today, XXXX/XXXX/17, I had 2 checks to cash and was told there is now a new Bank of America policy that charges the check holder, me, an {$8.00} fee per check cashed. The check amounts were {$250.00} & {$600.00}. {$16.00} to cash 2 checks? This seems like extortion to me. I find a fee to get money that is yours is not justifiable and should be illegal. Banks can make enough money from all of their deposit accounts and account maintenance fees that they should not legally be able to charge someone for cashing a check drawn upon that financial institution, especially with checks of small amounts like these.

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 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX/XXXX/17 Filed a security freeze with Equifax - have since found out my PIN is the time stamp of the filing - trying to change the PIN however unable to access the call center. No announcement that the firm is mailing out new PINs, which I 've already received from the other two credit reporting Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have been asking for Wells Fargo to give us a modification. We submitted all of the documents that they asked from us. They assigned to XXXX XXXX and XXXX XXXX. We received a call from her 1st on the XX/XX/XXXX but when she called by husband was driving and was not able to pick up the call but when we tried to call her back she did not answer she called back again and said that she will call us again but we have not had a chance to talk to her. All we were told was that they are reviewing the file. In the meantime they scheduled a Foreclosure sale date forXX/XX/XXXX. This is what they have done for years of requesting for a loan modification. We submit our documents but they will not talk to us and let us know what is going on. 

We know they have worked with other homeowners with same situations. They gave them modification, they allowed the missed payments to be deferred and gave them payments that allowed them to be able to keep their homes. Why not us too? My husband still have XXXX and still working. Please help us get Wells Fargo to help us.

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 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax did not have enough security in place to protect my private information. They claim that my information may have been stolen by hackers. As a result, I took an entire day off work to : - call credit reporting agencies to freeze my accounts ( {$44.00} for my wife and myself total ) - add additional security to my accounts where possible In addition, I am now faced with the additional overhead of needing to unfreeze my credit report whenever necessary - for the rest of my life. Furthermore, I am at a significant risk of identify theft and will either need to regularly scrutinize my accounts and credit reports or hire a company to do this for me. The going rate is $ XXXXmonth ( LifeLock ) for anyone with a 401k ( which I have ). $ XXXXmonth for the rest of my life is roughly {$9000.00} amortized. 

It is my belief that Equifax understood their responsibility to protect my data and the risks that they were taking. I believe that they chose to implement lax security protocol in order to increase their profits, despite the increased risk this placed on my data. 

They currently have a website you can use to check the safety of your data. Unfortunately, there is ample evidence that this site returns somewhat random results. For example, it would seem that the SSN you enter is not used in most cases. I tried with several common surnames and they all returned exactly the same result ( your data may have been compromised ) regardless of what SSN I entered. This clearly significantly increases the cost to those whose data was NOT stolen by making it seem like it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home American Mortgage Corp
State: CO

Complaint narrative:
In process of purchasing a new home form XXXX XXXX XXXX we were required to use it 's affiliated mortgage company Home American Mortgage. The process started in lateXX/XX/XXXX, at first initiation we stated we wanted a conventional loan, 20 % down payment. Home American Mortgage pre- qualified us an FHA Loan , a required us to payoff all debt in order to qualify for the conventional Loan we wanted. We inquired on what we should be doing to raise our credit scores to help obtain or conventional loan, we got no response, from the loan person. This was already the 2nd loan person we had been moved to, due to the first being very rude and callus with my wife. After a couple of attempts we were not satisfied with responses or response time from XXXX XXXX. We were then moved XXXX our third loan person in lateXX/XX/XXXX. XXXX was again prompted that we sought conventional loan we needed guidance as to what we could be doing to raise scores and be sure we were in good standing with credit scores. Our real estate agent was also in contact with XXXX, questioning why he had not spoke to us, gave any repose to questions or even pulled credit to see what our scores were. XX/XX/XXXXstill heard nothing from XXXX, our agent again reached out to him voicing concerns. Finally received word from XXXX XX/XX/XXXX with useful info, he had not pulled credit, the loan was still in FHA status with credit scores from XX/XX/XXXX XX/XX/XXXX XXXX ( branch manager ) reached out to me saying that she would handle all concerns now, after a brief discussion I voiced my concerns and requested guidance again! My call was not answered until a week later by XXXX, all these months wasted were I could have done credit repair/improvement gone. Which leaves me at FHA with PMI, and a mortgage payment that was $ 600- {$1000.00} higher then it could or should have been, pricing me out of the home purchase. All due to no guidance and complete negligence on behalf of of XXXX Affiliate Home American Mortgage. XXXX now is retaining our earnest money of {$9700.00}. Stating " Buyers Remorse ''. All we did id everything required of us, and now as a direct result XXXX is keeping our {$9700.00} at no fault of our own!

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 2017-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have filed a complaint with the BBB about this company. They responded advising me too end them 1 ) ID Theft Report and a Police Report. I did what they ask. They are still reporting this debt o my credit and its negatively affecting my scores. I need you all to contact them to find out why this has n't been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I paid my car loan off on time and paid off other bills on my credit report and my credit score drop down very low from XXXX to XXXX when you pay bills off on time how they take my score down .now I can not get a car loan because my sore is very low .I was told my score will go up it went down.I talked to the three credit XXXX  transunion, XXXX. I talk to them around XXXX 2017-XXXXXX2017 ..

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 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: MS

Complaint narrative:
I paid my car loan off on time and paid off other bills on my credit report and my credit score drop down very low from XXXX to XXXX when you pay bills off on time how they take my score down .now I can not get a car loan because my sore is very low .I was told my score will go up it went down.I talked to the XXXX credit XXXX, XXXX, XXXX. I talk to them aroundXX/XX/XXXX-XX/XX/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 explanation