milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/25/2017 about Debt collection (Other debt) with JH Portfolio Debt Equities, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have made several phone calls to JH Portfolio Debt Equities LLC as well as submitted a Better Business Bureau dispute on XX/XX/XXXX in regards to two alleged debts ( XXXX and XXXX XXXX from XXXX XXXX ). Neither XXXX XXXX nor JH Portfolio Debt Equities LLC have yet to provide me with any validation of any alleged debt owed as well as the fact that I do not have any contract with this third party debt collector. On XX/XX/XXXX, JH Portfolio Debt Equities LLC responded to my BBB complaint stating that they would be removing the tradelines from my credit report. As of this day, JH Portfolio Debt Equities has not provided me any validation of proof and also not honored the  outcome of my BBB complaint in which they responded. When I spoke to them in regards to the response, they stated that they did not write anything. I have disputed with all three credit bureaus and they are sending back correspondence that JH Portfolio keeps reporting the alleged debt as verified. That can not be possible as they have not even sent me verification or validation as the assumed consumer on these accounts. I am at a standstill because the credit bureaus are not willing to update my reports to reflect accurate information as well as JH Portfolio is not upholding the law in regards to providing legitimate proof of any alleged debt and ensuring that I am the correct owner of the alleged account. I have been rudely spoken to JH Portfolio Debt Equites as well as XXXX, XXXX, and XXXX  representative and told that valid proof does not have to be sent to me. Although, this is my right as a consumer to have valid proof of any alleged debt against me. I have documented proof from the BBB in regards to JH Portfolio not being able to properly verify the account that I have sent to both JH Portfolio and all three credit bureaus. Each company is placing the blame on the other and it is negatively impacting my credit. I want these accounts removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) and pursuit of collections ceased.

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, TRANSUNION, AND XXXX HAVE FRAUDULENT INFORMATION ON MY REPORTS IN MY NAMES AREA OF MY FILES THIS IS THE FRAUDULENT NAMES. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) MY SOCIAL SECURITY NUMBER ENDS WITH ( XXXX ) THERE IS A VARIATION THAT END ( XXXX ). I HAVE ATTACHED MY POLICE REPORT TO PROVE THE FRAUD THAT WAS DONE IN MY NAME.

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 12-11-2015 about Payday loan () with GVA Holdings, LLC (WI).
Issue: Can't contact lender

Complaint: A company called North Cash will not stop harassing me about a supposed loan they gave someone - but not me. I 've never had ( or needed ) a loan. I 've mentioned that they need to stop contacting me and that they should abide by the Fair Debt Collection Act, which requires them to stop contacting me because clearly they gave a loan to someone who was n't me. I have spoken to the police about this, yet North Cash refuses to stop calling me on my cell phone and at my office. The XXXX people who have contacted me are very rude and no matter how many times I tell them that I 've never taken a loan, they insist I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Consumer Loan (Vehicle loan) with SUMMIT FINANCIAL CORP (FL).
Issue: Managing the loan or lease

Complaint: SUMMIT FINANCIAL REPRESENTATIVE XXXX XXXX CONTINUES TO LEAVE DETAILED VOICE MESSAGES ON AN OPEN ANSWERING MACHINE. XXXX XXXX HAS THREATENED ACTION, TAUNTED FOR NOT ANSWERING PHONE, AND LEFT BILLING ARRANGEMENTS ON THE ANSWERING MACHINE NUMEROUS TIMES. AT NO TIME DOES HE STATE IS ATTEMTPING TO COLLECT A DEBT, OR ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Other debt) with CFM Group LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The originator of the debt is   XXXX   XXXX  . We canceled our phone and internet service with them and switched to  XXXX . They were upset, so they left the internet service on, even through we switched to a different company and then started calling saying we owed them for the internet service. We told them we canceled the service and were not going to pay. They gave us some lame excuse that we only canceled the phone service, not the internet and that we had to do that separately, so we still owe them for that service. Since that time, they have sold our " debt '' to multiple collection agency. We explain to each  one  the situation and that we were not going to pay. Most have attempted to collect anyway and called for a month o r two th en given up. The most recent company,  CFM Group , phone #  XXXX , Representative  XXXX   XXXX  has been calling at least once a week. Last week Thursday   XXXX   2017 we  told him the situation, explained to them that we are not liable nor will we pay and that owner told us to be polite, but tell them no thank you and hang up.The owner of our company, then proceeded to call   XXXX   XXXX   and informed them again of the situation, which they insisted we owe them anyways and refuse to remove us from collections. However,  XXXX   XXXX  of  the CFM Group, decided that our response was n't acceptable. So today  X/X/  2017, he c alled 5 tim es in 10 minutes. The first  3 calls wer e handled by the sales woman here. She was polite and asked him not to call then hung up. He called back immediately and hung up on her. Then called a  3rd time and  she explained that he was acting in a harassing manor and he was not allowed to do that, he was impeding our business. He said he had the right do what he was doing, because his calls were a business call to collect a business debt and the call ended. Then he called back immediately and that 's where I stepped in. I got the call, confirmed it was  XXXX  again, told him that he has called multiple times in  10 mi nutes, which he said was n't true, but I was present for all the calls, and I told him that if did n't stop harassing us I would report him. I hung up, and he called right back. That 's when I informed him I was reporting him, and he told me " Good luck with that. '' This is a clear cut example of harassment by   XXXX   XXXX  . Some of these  collectors  think everyone is not informed of their rights in regards to collection. They use this to their advantage to harass people. We understand that they have a right to call, but to call multiple times inside a short period of time and harass us is never acceptable. We would appreciate your swift action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: ON XXXX XXXX I place a call to Wells Fargo to report a fraud. Wells Frago employee turn blind eye to my report, I woke on XX/XX/2016 to find my account empty out and have a balance of XXXX dollars I called them The supervisor I spoke with was very rude said there was no fraud, I told yes there is since I did not touch the money I had in my account I better not be having overdraft fee charge to my account because I had money in there but since they refuse to take care of my fraud report. XXXX/XXXX/16 I had XXXX that was directly deposited into my account they still took all my money bringing my account to XXXX. I call them again but they refuse to fix the issue, I woke up on XXXX/XXXX/16 to have XXXX charges of XXXX dollars fees for overdraft i call spoke to XXXX XXXX, on XXXX/XXXX/16 at XXXX, her response to me was is that all. I could not believe what I was hearing I have been calling regarding this issues non stop and all the agent got to say to me is that all. Wells Fargo STOLE XXXX dollars out of my account. I will be going to news with this, I have written an email to the board of Wells Fargo and NOT ONE PERSON REACH TO ME TO EXPLAIN TO ME WHAT IS BEING DONE & gt ; I AM CALLING FRAUD ON MY ACCOUNT, I HAVE A VERY LARGE FOLLOWING ON SOCIAL MEDIA I WILL POST MY CONCERNS TO EVERY SOCIAL MEDIA OUTLET SO EVERY NEWS CHANEL CAN PICK UP ON THE ACTIVITY THAT IS STILL GOING ON AT WELLS FARGO & gt ; XXXX XXXX THE EMPLOYEE AND EVERY OTHER EMPLOYEE THAT I HAVE SPOKEN WITH WHOSE AWARE OF THE FRAUDULENT ACTIVITY SHOULD BE FIRED AS WELL XXXX XXXX SUPERVISOR XXXX XXXX AGENT XXXX XXXX AGENT THEY DON '' T NEED A JOB I NEED ALL MY MONEY ALL MY XXXX DOLLARS BACK IN MY ACCOUNT THEN I WANT TO CLOSE THE ACCOUNT

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: O n   XX/XX/XXXX  I received a packet from   XXXX   XXXX   XXXX  . The bank confirmed the fact they received my loan from   XXXX   XXXX   XXXX   on  XX/XX/XXXX   t o service. The account number is  XXXX . on my credit report from  XX/XX/XXXX . Case number  XXXX  you show a date of  XX/XX/XXXX  for that account. That is incorrect. I purchased my hom e   XX/XX/XXXX  loan number   XXXX   with   XXXX   XXXX  . The amount of my first loan was {$49000.00}. The loan with   XXXX   XXXX   XXXX   was discharged on  XX/XX/XXXX . The loan was wit h   XXXX   XXXX   XXXX   in  XXXX  .   XXXX   XXXX   XXXX   XXXX    confirmed this also. I had a loan with   XXXX   XXXX   also. The deed of trust is  XXXX  with   XXXX   XXXX  . The amount Of The loan with   XXXX   XXXX   was {$11000.00}. The loan was paid off.   XXXX   XXXX   XXXX   was a Home improvement loan. The spelling of my name was   XXXX   XXXX   XXXX   -the address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX .   XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   number  XXXX - XXXX  TN  XXXX ,   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX  - XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN   XXXX      XXXX   XXXX    XXXX  TN -Attorney   XXXX     XXXX   XXXX   XXXX   XXXX  . I used his address once. Attorney   XXXX   XXXX   address was   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX  TN  XXXX . Instrument number on the property at   XXXX   XXXX   XXXX    XXXX   XXXX  is   XXXX   XXXX  . Instrument number   XXXX   shows   XXXX   XXXX   XXXX  , unmarried.  XXXX  in the register office of   XXXX   XXXX   County, Tennessee.   XXXX   XXXX  , The pathways subdivision as shown on plat book 64, page 33. The property was foreclosed on and sold to Tennessee Housing Development Agency.   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX . The amount the property sold for is {$18000.00}. The register of deed # is  XXXX . The property parcel I 'd is  XXXX   XXXX  at   XXXX   XXXX   XXXX    XXXX  TN  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
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to  XXXX  she confirmed I was paid through  XXXX . I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus.     Not more than two payments past due (  2  ) -  XXXX   XXXX    XXXX   XXXX   XXXX      XXXX   XXXX  has flagged your account as Not more than  two  payments past due (  2  ).   Alert Type : Potentially Negative Found On :   XXXX   XXXX   XXXX     Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your  credit score .     Balance spoke to  XXXX  last payment made- way   XXXX   XXXX    Paid up through  XXXX . Confirmed. I then asked for an acct manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a  manager  who I relayed my request for resolution! I finally Reached  XXXX  a Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.

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 11/30/2015 about Mortgage (Conventional fixed mortgage) with NAVY FEDERAL CREDIT UNION (DE).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is to inform CFPB of the unfair and cruel way that my mortgage company have been treating me since the year XXXX when I started to have problems paying my mortgage due to hardship. At the end of XXXX, my husband divorced me which change the household income from around {$85000.00} a year to around {$20000.00} a year making it very difficult for me to make ends meet considering that I was a single mother of XXXX children with no help what so ever. This is when I reached out to my mortgage company asking for help with my mortgage. I placed numerous calls to them and I even applied XXXX times for a mortgage modification in which I was declined both times. Since then I have continued to ask for their help only to have them decline me of any available services and/or any assistance that they could have provided me with. Instead of helping me, they wanted to foreclose on my home. Then I managed to bring my mortgage payments up to date, however, they refuse to send me monthly statements since XXXX of XXXX leaving me with not knowing how my payments are being applied to my account, what are the extra charges that they are applying to my account, what my mortgage balance is and what are my official monthly payments. This has caused extreme stress on me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax refused to allow a consumers statement against XXXX. 
they said because I already had a consumers complaint against another company they could n't accept another consumers statement. I also included a consumers statement about a year ago, but somehow it disappeared, against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STATE FARM BANK, FSB (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Sometime around XX/XX/XXXX I unfortunately took the advice of a loan broker and purchased an adjustable rate home mortgage. Sometime thereafter I took out an equity line of credit with XXXX XXXX XXXX in the amount of {$200000.00}. Unfortunately because my interest rate doubled, I lost my home. XXXX XXXX XXXX foreclosed on me XX/XX/XXXX. In addition, because I no longer owned the home,  State Farm Bank made a demand for the {$200000.00}. Since I had no property with equity at the time, I was unable to pay. State Farm Bank and I agreed to a payment of {$500.00} a month until I could recover financially. ( I did not want to file bankruptcy as I had other debt and an IRS bill because of the foreclosure. ) I paid the {$500.00} a month faithfully and in XX/XX/XXXX State Farm and I agreed to {$1000.00} a month payment ( our agreement is attached. ) I have paid XXXX XXXX dollars a month faithfully from the time we executed our increased loan repayment agreement. In reviewing my credit file recently I came to learn that State Farm Bank is reporting me with a serious mortgage late record. The State Farm Bank loan representative told me on two different occasions that because the loan was charged off in XX/XX/XXXX, they would continue to report me as mortgage late. This is in spite of the fact that I 've paid them faithfully every month since the loan was charged off. What I do n't understand is that State Farm Bank started to report me late in XX/XX/XXXX. Prior to XX/XX/XXXXall that was indicated on my credit file was a loan foreclosure and mortgage loan charge off. I have  attached a copy of my credit report and have indicated on page 3 where there is no mortgage late reported.
Because the loan was charged off seven years ago, and I have paid as agreed since our XX/XX/XXXX agreement, I am requesting that State Farm remove all the derogatory credit reporting they have filed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Being billed for XXXX, every month, even after the fee was paid. This bill remains on my bill, and is mixed in with the other monthly bill. I need to have this fee removed from my bill. It was paid, a few months ago.The Navient people told me not to worry about it, that it was a service fee? a one time fee. There should be no such fees on a fed.financed student loan. I also need to have my payment reduced to severe financial difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Struggling to pay mortgage

Complaint: Bank of America has violated Bankruptcy Law and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer Bank of America developed a scheme and transferred loan to  XXXX   XXXX   XXXX  to cover up Bankruptcy Law violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Money was not available when promised

Complaint: On XXXX XXXX 2017 I accepted payments on VENMO from a friend buying a car. He sent the money in one deposit and I then sent it to a 3rd party in {$900.00} increments. A day later I noticed all charges had been reversed and my venmo account balance is {$2900.00}. In addition to the reversed charges I received an email from VENMO stating my account was frozen do to suspicious activity and that after further investigation it had been deactivated. I still have funds on my account. The customer service rep I spoke to instructed me to have my bank contact VENMO personally but my bank says they have nothing to do w/ the issue at hand. I want my funds released because I heard after 180 days it becomes property of venmo or the government.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: -Purchased a washing & dryer from XXXX in XX/XX/XXXX-Had multiple problems with deliveries -Once the items delivered the washing machine began to malfunction -I paid every month on time & paid off in full inXX/XX/XXXX-I was NEVER late and paid on time eve

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX college went out of business and loss there accreditation, so now im stuck with {$20000.00} in loans. I 've been trying to get this resolved but Nelnet wont tell me how to get my loans discharged. Plus XXXX college was sued by the Colorado State general and the college is supposed to be paying back these loans, but know one knows how this is done.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sold a purse and the buyer opened a case on PayPal 1 month later, saying that the item was not as described ... ... the item was n't returned to me by the buyer. PayPal got my money and I was left without the item and without the money, also PayPal charged me a {$25.00} fee on top of taking my money for the item I sold for {$880.00}. So PayPal got from me {$910.00} ... .please help me

Company response to consumer: Closed with explanation