milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Mandarich Law Group, LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to get collection notices ( latest XXXX XXXXXX/XX/XXXX ) from Mandarich Law group, LPP XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX and their agent XXXX XXXX. The debt is not mine! Both Mandarich and XXXX have been sent multiple cease and desist letters going back to XXXX Letters state they have the wrong person. My SSN is not XXXX, nor am I XXXX, nor have I had any association with XXXX. Cease and desist letters have failed to stop them from sending me harassment letters. See attached. The original creditor XXXX XXXX established there is no relationship between the collection and me. Also in attached. Previous case numbers include XXXX, 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 09-03-2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a payday loan on XXXX/XXXX/15 and it was due XXXX/XXXX/15. I called on XXXX/XXXX/15 and advised I would n't be able to pick up the check on the XXXX and asked if it could be pushed to friday the XXXX on my next payday. I was told no. I was told on the phone and in the office when I got the loan that they no longer send checks to the bank and they go to collections ; so when I called on the XXXX i was given collections number to call tomorrow ( XXXX ). I got an email today that my checking acct is overdrawn. so not only did they go against what they said and their what their contract says, I was charged a {$34.00} insufficient funds fee by my bank because they covered the check I was told would go to collections and not the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2015 I attempted to open up a XXXX XXXX XXXX account, so that I may close my XXXX XXXX XXXX account. While in an attempt to open this account I was denied by XXXX XXXX and sent an email stating I needed to reach out to CheckSystem in order to find out why I was declined. The first time I called I was given no information even after I provided my:1.SSN2. Address for the last 5 years3. Telephone NumberI was actually hung up on. I received my report on XXXX/XXXX/2015 and it is full of inaccuracies. I called ChecSystems back today XXXX/XXXX/2015 with no luck. 

My intention in calling was to find out 1. what information was used against me in my attempt to open a checking account with XXXX XXXX ( As stated in my Summary of Rights Under the FFCR Act ) and 2. To fix the inaccuracies listed in my report. 

upon calling the women that I spoke to collected information from me for approximately XXXX minutes and the result was : Sorry we could not find any information about XXXX XXXX. Further more when I asked the agent what negative marks on my fail may have resulted in my getting declined she stated " ChexSytems only provides reporting information to bank agencies, we can not provide you any further information '' This is frustrating because I have had XXXX for 9 years and I do n't know why I would n't be able to transfer banks. 

Also there are several inaccuracies on my report and the agent could not assist me with this either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my personal information to be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I normally monitor my credit through   XXXX   XXXX   ,   XXXX   XXXX   XXXX   and now credit wise. I noticed that there was a social security, address, name ( s ) linked to my credit that were not mines. After speaking directly to the credit reporting agencies they removed the social along with the address. However, two of the names remained on my credit. The agency explained that they were unable to remove the name because it was linked to a account and I will need to contact them directly. After contacting one of the companies I brought up my complaint and their response was " the account is to old to do anything and it should come off soon anyways '' but like I explained its showing as a bad report. Plus the card was closed and re-opend under a different name. She stated there was nothing they can do about it! And to this day I still have two different names linked to my credit report under personal information incorrectly! The only thing that changed was my maiden name! In my credit report and apparently linked to my account ( s ) And also I am unable to pull my credit report directly from  XXXX  because its unable to verify my identity. Please I need someone to fix my problem. I already filled a complaint for the credit card agency. But I was this problem resolved on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Meridian Financial Services, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This is a lease that was terminated 7 years ago but they keep re inserting a new debt to keep it current

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Credit card) with Retail Recovery Service N. J., Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After disputing this unlawful judgement on my credit report with XXXX to no avail. I 've sent numerous letters of debt validation to Retail Recovery Services, Inc of New Jersey and their attorney to no avail. All letters was sent certified mail to both parties with only their attorney sending the return receipt back once. This alleged debt is not a valid debt and I want it removed from my credit report. This collection agency put in a judgement against me without any valid documentation to begin with and it harmed my credit report! I am looking into suing this company if they do not validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Consumer Loan (Installment loan) with Enova International, Inc. (CA).
Issue: Shopping for a loan or lease

Complaint: Hi. I used XXXX to find the best rate for a personal loan to make some repairs on my home. Netcredit was one of the first people to contact me so I started an application with them. And regret every second of it. I have contacted them several times cancel the application because when you get to the end of the application it asks for your user name and bank password. In this day and age I am not confortable with that especially when the fine print says that the third party agency is my accounts POA and they can monitor and access my accounts anytime. I let them know they can call to my bank and get the records straight from them or I can fax them. I had a XXXX and now its a XXXX Who gives someone with that score 65 % interest rate on a loan? Let alone a non authorized hard inquiry. These car title loans and high interest loans should be shutdown because they are all profit base to the company and put strain on the borrower. I am not going to stop here with this issue. I will be writing several state officials and local government in my state to stop this robbery that is allowed to happen everyday. The only reason I am so adamant about this is a couple years ago my credit was n't so good and I had to take a title loan. I almost lost my car and job trying to pay the loan back. I had to take money out of my 401k to pay off the amount. I payed it off in 1 year and none of the history on the account shows in my credit report. The Netcredit acoount # XXXX was never authorized to go through and should have never been a hard inquiry because I did not agree with their terms for the loan and they refused to call my bank saying the only way to complete the loan is to put your bank login and password and pray. Please if there is anything on my end that can speed this process up just let me know and I will make sure it 's taken care of within 24hrs. Thank you and I hppe we can resolve this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to MyLoanCare. Since that time, they failed to provide me with an accurate account number, did not notify me of my insurance policies which were not renewed, tried to charge me for a month of payments from before they purchased the loan, have paid my taxes late two times and are refusing to provide me with documentation that they did not charge the late fees to my escrow accounts and now are refusing to remove the lender imposed flood insurance from account and have charged me another month for the insurance that I do not need. I have provided the requested XXXX letter to both Myloancare and XXXX and they will not respond to my emails. I just tried to call them to resolve the problem. They are asking for another copy of the letter, which is readily available online at XXXX. In the meantime, I have been charged another month of insurance payments. I have exhausted all of my options and need help. Thank you in advance for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I went into XXXX to get some clothing and handed over my credit card. As I was paying, the associate ask me if I wanted sign up for a credit card, so I said yes that would be fine. They handed me a card and I went on my way. Next month, I went into the store to pay my credit card and I went in and handed them the card they gave me. The associate said this was a rewards card and nothing to be paid. The associate was new and instead of trying to look if I had a credit card, just told me I had nothing to pay since it was only a reward card. So I figured that they must have used my regular credit card, not XXXX 's credit card, that I handed to them to make the purchase. A month later I got a letter from XXXX stating that I was now in collections, so I ran down to the store to pay it off and the supervisor apologized for the confusion and was able to locate my account and pay it off in full. I paid it off in full but she never mentioned that they would leave the late payments on my credit report even though it wasn't my fault. The supervisor apologized for their reps confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Medical debt) with John C. Heath, Attorney at Law, PLLC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was working with Lexington Law Firm 's and they told me that the amount of  XXXX  and  XXXX  was taking of my account but here it was n't off my credit, so i called Lexington Law Firm 's and they told me, for me to get any information i would have to pay again. A year i paid them  XXXX  a month and i cant get no help from them, what do i do to get the amounts of my credit that Lexington Law Firm 's told me they did ... .and how can i get my money from Lexington Law Firm 's since they didnt do the job that i paid them for.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Payday loan) with D. SCOTT CARRUTHERS (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Left multiple message at my place of employment with receptionist and my boss stating they are the District Attorneys office and they are looking for me regarding a case against me. They have left this message after leaving messages on my cell phone and after speaking with me and not accepting my payment offer.

Company response to consumer: Closed
Consumer complaint received 12-07-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NV).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XXXX XXXX XXXX XXXX. c/o Resurgent Capital Services is reporting an old debt from XXXX XXXX XXXX  XXXX in the amount of {$590.00} to the three Collection Bureaus. This company is not a licensed collection agency in Nevada and I have learned that they have no right to attempt collection on this debt. I have re-established credit with XXXX XXXX XXXX and currently hold 2 accounts with them. I would like to request that this debt be disputed and removed from all three of the Credit Bureaus as soon as possible. As of XXXX/XXXX/XXXX, the debt is still showing on my credit reports and is bringing my credit scores down. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Nelnet customer service did not provide me the information I needed to avoid extra charges on my account. I called multiple times. Spent hours on the phone to avoid capitalization on my interest and paying minimum fees on my account. They never told me about when my grace period ended and that one of my loans had administrative grace period. All they tod me was my account was current and to make the payments on time. This has costs me XXXX dollars if not more in charges and interests and they would not refund my money. Every time I call for an issue it takes 2 weeks to a month and at the end another issue rises.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Consumer Loan (Vehicle lease) with WELLS FARGO & COMPANY (CT).
Issue: Problems when you are unable to pay

Complaint: I financed a XXXX XXXX from XXXX XXXX in XXXX, CT between XXXX and XXXX. The car was eventually repossed but I 've still been unable to get my plates and I 'm being charged state taxes on a car I no longer have. The XXXX company I leased from has since gone out of business I 've tried contacting Wells Fargo and they claim to have no knowledge of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (MI).
Issue: Trouble during payment process

Complaint: Fay Servicing has not provided us HAMP nor HARP information. Interested to look at those options asap.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Application, originator, mortgage broker

Complaint: I called Navy FCU to get a quote on interest rates for a 30 year fixed VA loan. 
They told me they could only give me their published rate off their website 3.125 % with XXXX point and XXXX origination. 
I told them I would like to look a less expensive option. 
They told me unless I was a member they would not give me rates They told me to go to XXXX and buy a XXXX day membership then they would talk to me. 
As a Veteran and a borrower I should not have to buy a membership to get a quote. I had already told them I was eligible for membership but did not want to open an account till I knew if I wanted them to do my loan. XXXX was very XXXX and by his tone was clearly telling me " O WELL '' I had called the week before and had gotten the Quotes I had requested. 
Needless to say I was very irritated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (WV).
Issue: Settlement process and costs

Complaint: Hello my name is XXXX XXXX, I 'm working with XXXX XXXX XXXX ( XXXX ). I have or had a case # XXXX. My wife, XXXX, and myself have been working with Wells Fargo, they foreclosed on our home back in XXXX, while under modification. We won the right to resend, you will see this in the case # XXXX. I NEVER received a letter to when the payments where due, my lawyer however received paperwork to complete the title of the home, and such. I did however receive a letter stating we were under the process of getting the home back, the letter was dated XXXX/XXXX/16, the letter was mailed on XXXX/XXXX/16. On my original loan, my due date was the XXXX of each month becoming late on the XXXX. I had to call Wells Fargo, last week, XXXX/XXXX/16 in a fear of late payments. In which I made XXXX for XXXX, with XXXX XXXX. Then just Friday of last week XXXX/XXXX/16 I got a call from XXXX XXXX, @ XXXX XXXX XXXX XXXX - XXXX Ext. XXXX, and was informed I was behind a payment for XXXX. When I spoke with XXXX, I was informed I should NOT be making payments because I would receive a new loan number, and that all my payments could end up in limbo. Again, I called Wells Fargo and this time spoke with a lady, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Ext. XXXX, who told me I should ASSUME my payments were due back in XXXX, with no letter stating anything was due.. I 'm being told so much different information I am again at a loss, and fear of losing my home. I need help, and I need so resolution to this matter. I have met every demand of Wells Fargo, with the help of XXXX XXXX. I have a wife who has become so ill over this matter, and XXXX young sons who deserve my time, and their home to be safe. Please contact me, XXXX XXXX ) XXXX XXXXXXXXXXXX, XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX. I am attaching the very last letter I received from Wells Fargo ... I 'm asking for help, my family is asking for help, in keeping our family home. This has been two years trying to find closure and peace. I will mail a copy of the last letter we received. 
Thank you XXXX 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 11-09-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: A check was returned without posting to an account with sufficient funds to the account and a nsf fee was charged. Bank explains " an order of posting '' logic that cvannot be backed up in writing. At the close of the business day of XXXX there was sufficient funds to cover check. Please see attached statement. aLandlord is not charging me late fees that should be for the account to bank of America.

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 02-05-2017 about Payday loan () with Crow Creek Sioux Tribe (NJ).
Issue: Charged fees or interest I didn't expect

Complaint: I applayed for Loan on internet the amount I applied was {$770.00} with My LoanSite.com phone # XXXX Lender XXXX XXXX XXXX SD XXXX At the time agreement and disclosure was not visible. I was not informed about APR that will be XXXX % and finance charge will cost me {$3800.00} and total amount I will pay after I have made all payment as scheduled will be $ XXXX feel that I am victim and this Loan company taken advantage of my needs by exposing me to procentige rate that is astronomicaly high.In my opinionthis practice used by the lender is unfair.I never receive any paperwork with details of the loan, no any email explaine the loan, no any phone contact. I believe that I am victim and loan company take advantage of my needs.The loan company widraw from my account every Friday {$230.00}. XX/XX/2017 my balance is {$1000.00} this amount I am paid them.I have no doubt that this Lender violated a FCP law or regulation. The Lender never explaine agreement, never contact me by email, by phone by mail I never review the agreement my family member found on internet information about this lender. I contact XX/XX/2017 by phone and spoke with representative XXXX. I request to speak with supervisor or XXXX she promise that supervisor will call me and I will have shance to resolve the problem with the loan. However untill now no any contact at this time. Amount given to me direcly is XXXX {$770.00} I am paid {$1000.00} ... but I am not agree to pay them {$4600.00} I need help and asistance and I am requestung this loan to be closed imediately, hope so that some XXXX will be loked into my problem and here will be solution and this loan company need to provide on time information about the loan, rate , %, term by mail, by email or by fax.

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 08/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. Collections West, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have made several attempts to obtain documents validating this debt from US Collections West. This debt is not valid, & I am not responsible for charges. US Collections West is being uncooperative and unhelpful in getting this resolved. I 've also gone as far as to reach out to the owners of the XXXX that managed the complex this debt derived from and have not received any assistance from them either. I 'm being held hostage credit worthiness-wise by this invalid debt and this is hindering my ability to rent or purchase a home rendering me practically homeless yet no one will help me resolve this.

Company response to consumer: Closed with explanation