milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  has me with a final balance that falsely includes the fee of an un-returned router that has been confirmed as returned by a  XXXX  rep via email correspondence. The balance that has been reported on my credit report is inaccurate.

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 02-01-2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX/XXXX/2017 I disputed {$2100.00} worth of fraudulent transactions made on my American Express Serve prepaid account. Despite having adequate proof that these transactions could not have possibly been made by me, my dispute was declined via email in less than 24 hours with no cause. These transactions all occurred in another state while I had my card in my possession. I was also advised that my account was locked and suspended. I later received a letter and a check for the balance in my account. When I called AMEX Serve, I was told that I could write into the corporate office to appeal the denial. I wrote AMEX, but have not heard anything from them. This situation has placed me in a difficult position as I can not pay bills and support my household.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (WA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, WA XXXX  XX/XX/XXXXBarclay Card- Executive Office XXXX XXXX XXXX XXXX , DE XXXX Greetings : In early XX/XX/XXXX, I signed a contract with a company called XXXX to purchase equipment that was difficult to obtain. They would add money to my Barclay Card visa account, and I could use that money to make purchases and send them away. On that basis, I agreed to make the purchases for XXXX and send them off. I was given a XXXX XXXX business account number of XXXX with the name XXXX. From that account, money was added to my Barclay Card in the amount of {$20000.00} on XX/XX/XXXXand I checked online and was assured the money was there. I then made purchases and sent them off. Money in the amount of {$16000.00} was added on XX/XX/XXXXand again I made purchases and sent them off. On XX/XX/XXXX, the first two of these payments were reversed, leaving me stuck. I feared that the second would be reversed and called Barclay Card asking for them not to let that happen, but even so it was reversed posting XX/XX/XXXX
I believe that Barclay Card has some responsibility here. I know that checks that are cashed then bounce later, but I did not know that money could be transferred online from a valid account with sufficient funds and then reversed many days later without a court action. Ill bet this happens many, many times. I believe this makes both XXXX XXXX and Barclay complicit in fraud, as I believe that this been happening in this way for a long time. I had someone check and literally hundreds of packages are sent daily to the address I shipped packages to, and I believe all of them are shipped by people like myself who are paid to a Barclay account that allows the account to stop payment many days later, thus helping fraud happen. Had I known that it was possible for this payment from a XXXX XXXX account to a Barclay account to be stopped in this way, I would not have made and sent those purchases.
It should not be possible for someone to reverse a payment after many days simply by pushing a button. Commerce in the US would stop! Anyone stopping a payment should need to get a court order to do so. I think Barclay should have some kind of system set up to investigate when this happens often. By allowing many, many of these kinds of reversals without a court action, XXXX XXXX and Barclay are complicit in allowing this kind of fraud to happen.

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 08/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AK).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was a part of a rehabilitation program after my loan went into default. Following the rehabilitation program my loan was turned over unbeknownst to Navient. Letters and phone calls from Navient were coming in and I had no idea who they were. Finally I opened the unknown mail and saw that Navient became my loan servicer. I called, we had a pleasant conversation about moving forward and I was hopeful. We decided that I would be on a temporary forbearance until school starts and then my loans would be on hold while I am in school. 

A few days later I am at work and my phone once again is ringing relentlessly and the calls are coming from Navient. My thought was well what in the world, we just spoke a few days ago nothing could have changed between then and now. I decided to wait it out before returning the call to make sure their departments were all on the same page. I call and the customer service agent speaks to me as if we they have never spoken to me. As if we did n't come up with a plan two weeks prior. Moreover I am getting e-mails with bills above and beyond what my payments would have been if I were not in school. Payments above what even Navient said I would pay per month once I am out of school and on the same income as I am now. 

Is there a way to change my servicer?

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: None of these catagories fit my problem. I have a collection from a credit card company, XXXX, of XXXX. I also have a collection company, midland funding, with the same bill, That means I have XXXX negative entries for XXXX debt. i find this absurb that this can be done,. I only found out because of other mistakes on my report that i was having fixed and just happened to see these XXXX entries one right after the other. Surely this is illegal,

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Please stop the Default / foreclosure process as my property is currently in default, and Nationstar Mortgage told me in a phone call on XXXX/XXXX/XXXX, that the foreclosure process shall begin on XXXX XXXX, XXXX. 
Please investigate XXXX ( XXXX ) separate matters : 1 ) Please investigate the criminal misconduct of Nationstar employees and their affiliates whom illegally intercepted and forged XXXX ( XXXX ) XXXX money orders which I mailed by certified mail, earmarked for my XXXX XXXX payment. Understanding the unsavory reputation of Nationstar Mortgage, I made copies of these money orders BEFORE I mailed them to Nationstar Mortgage, via certified mail. As a result, I retained the serial numbers of these money orders and was able to order copies of the 'processed 'money orders from XXXX showing these money orders had been altered /forged illegally and 'cashed ' for the personal benefit my Nationstar employees and their affiliates. Nationstar Mortgage has NOT provided a refund for these money orders, which were used for the personal benefit of Nationstar Employees and their affiliates, at my expense nor as Nationstar Mortgage provided me with a credit toward a future mortgage payment. Please provide an update regarding the investigation, as well, regarding the police report submitted on XXXX/XXXX/XXXX. 


2 ) Nationstar Mortgage deliberately omitted a 'principle reduction /debt forgiveness incentive clause ' totaling {$330000.00} ( {$110000.00} per year over the first 3 years of the loan ) from the loan modification agreement, that was explicitly stated on my Trial Payment Letter. 

3 ) Nationstar Mortgage is attempting to foreclose on my home by mismanaging federal funds from a federal program operated by the State of California, ironically called " Keep Your Home California '' ( KYHC ). In this regard, {$100000.00} from this federal program was wire to Nationstar Mortgage on my behalf, and posted to my account on XXXX XXXX, XXXX. Nationstar Mortgage provided explicit authorization for me to utilize these funds for future mortgage payments via email. To be clear, my last mortgage payment from my personal funds was made to Nationstar Mortgage in XXXX XXXX, as Nationstar Mortgage was made the payments from XXXX XXXX though XXXX XXXX, utilizing the federal funds from XXXX 

This agreement is well documented. To be very clear, written authorization was provided both via email from Nationstar Mortgage and reflected in Nationstar Mortgage Statements. I am told that Nationstar has applied a portion of these federal funds to the months of XXXX XXXX through XXXX XXXX, but is now refusing to apply any additional federal funds toward additional future payments. 

Nationstar Mortgage told me in a phone conversation on XXXX/XXXX/XXXX that I still owe mortgage payments for XXXX XXXX, XXXX XXXX and XXXX XXXX, such that on XXXX XXXX, XXXX, the foreclosure process shall begin for my home.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Payday loan () with Crow Creek Sioux Tribe (PA).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed XXXX on XX/XX/XXXX and XXXX on XX/XX/2016. 
I have repaid XXXX dollars on this loan. It came to my attention on the XXXX Department of Banking that these types of Loans are illegal in XXXX.. I have paid Dakota Lending dba MyLoanSite.com XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX I have paid this company {$1700.00} plus the Original loan amount as of XX/XX/2016. 
They have gotten their money back I do not want any money back. They are fooling the common person in XXXX where they should not be lending money at all.

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 01-10-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2017 Chase illegally took fund from my business checking account where the business is titled as the owner ... they took funds out of the business checking account to cover a personal account overdraft in the amount of XXXX their is a transaction on the account that is currently under dispute with a company which is why it is overdrawn ... they have done thus illegal action before on XXXX they took XXXX out of my business account and placed it in my personal account ending in XXXX they then reversed the transaction and placed the funds back in my business account because it was illegal ... they have now done it again and took funds out of my business account that the owner is the business and is not used for personal use they have took funds illegally

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ballybunion Enterprises, Inc (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I bought some Jewelry from a company that is charging and outrageous amount for their jewelry and when I tried to return the items they claimed there is no return policy just a trade value for the items of the same price that it was bought for. After that I left and decided that I was n't going to keep the allotment going through my account and stopped it. a few months later I get a phone call at work claiming that it was a military legal officer on the other end of the line and I received a number to a company that the finance company that was used. When I called the company they threatened to have me charged by the uniform of military code of Justice under an article of the system. After the phone call I got ahold of XXXX XXXX Loans where I got a loan for {$1400.00} at 30 % and when the loan hit my account they went in and took the money with permission by charging my card a total of {$910.00} through multiple transactions that was not authorized by me. When I noticed the transactions I called the company and they confirmed that they took the money due to a overt due balance of the {$910.00} for the time that I stopped the allotment that the money was going through while on a XXXX in XXXX, XXXX up to the date that they took the money. A few months ago I was appointed to court without knowledge of the court date in Virginia and being served, and at the court there was an attorney appointed to me without my consent. I have to pay {$440.00} a month by the court ruling, which is a certain percentage of my military check.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Advanced Collection Bureau, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX. I moved from this apt . complex and was up to date on my rent. One year later recieved letter stating that I own them {$1100.00} dollars. 
I now have the credit book, how to fix your credit. On XXXX XXXX I sent them a certified letter stating that, they need to sent me a letter with my signature on it to proved that I own the {$1100.00} dollars. On respond! Now they will not sign for my XXXX certified letter stating that they removed this from my credit report and that they failed to respond in the 30 days under the Fair Credit Report Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have officially filed suit against Transuion. I have repeatedly disputed items that do not me since XXXX. It is now XXXX and they still refuse to remove the items. I was also affected by the glitch where they removed items off of my report and put them back on there. As of XXXX/XXXX/2016, I have filed suit in XXXX XXXX against Transuinon because of their refusal to follow suit along with the other Credit Bureaus and remove the items. I am done fighting with them. I will let my attorney do the talking and I will be suing for the full amount that the law allows. Also, Transunion refuses to update my address in the system as well after I have sent them documentation.

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 01/26/2017 about Payday loan () with Mobiloans, LLC (OH).
Issue: Received a loan I didn't apply for

Complaint: Mobiloans , LLC is an online payday loan company. Mobiloans has filed a derogatory report to the credit bureau 's for a loan that is not mine. I have contacted Mobiloans on multiple occasions requesting validation as required by law to no avail. Mobiloans has nothing with my signature on it indicating that i personally applied for this loan, nor that I agreed to repay any loan. After submitting my complaint and dispute to their account support and account dispute division they chose to charge the account off and file a negative report to the XXXX credit bureau. 
Mobiloans resorted to tactics of harassing me by phone and threats of ruining my credit if they were not paid. These tactics and method were numerous and documented by me.

Company response to consumer: Untimely response
Consumer complaint received 05/19/2017 about Mortgage (Conventional home mortgage) with GVA Holdings, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: North Star Finance sent me a couple of letters in the mail stating I was eligible for a loan modification on a home I own in Florida. I contacted them to see what it was all about. I am  XXXX   XXXX   XXXX  and have a high interest rate on my home loan. I had been wanting to find out what I could do to get a lower interest rate. They explained their process and I trusted them ... .that turned out to be a huge mistake.   Over the next several weeks I filled out everything they required, and supplied them with all of their requested information. They explained to me they would have my mortgage loan modified within 3 months and my interest rate would be reduced to the current average rates. They then required a {$6000.00} payment for the closing of the loan modification. I sent them the money. Shortly after that, they explained they need another {$1500.00} to complete the loan documents. I sent them the additional {$1500.00}. That was over 6 months ago.   Over the next few months I heard very little from them. I tried and tried to get a hold of them. I did receive a couple more letters, which made it look like they were actually working on it. I later learned that nothing was actually being done, and their documents are all bogus. The last communication I had with them, they were demanding an additional {$1200.00} payment. I told them I was not going to give them anymore money.   My daughter has been trying to help, and she has been in contact with them. She requested they give me back {$6000.00} of the total {$7500.00}. They deposited a check into her account for {$7500.00}. They wanted her to give them back {$1500.00}. She told them she would once the check gets funded from their bank. Well, 3 days after the check was deposited it bounced. We were n't that surprised.   I have a copy of the check. I believe they are making false checks with someone else 's information on them.   The name and address on the check is from an older gentlemen that lives in  XXXX . I believe he has no idea what these guys are doing.   The check bounced abo  ut 3 weeks ago. Since then my daughter has talked to them a couple of times. They claimed they would send a money order, but that was over 2 weeks ago. They now wo n't return my daughter 's calls.
I am concerned they are scamming people all over. They must be   stopped.   Any help or assistance you can give would be greatly appreciated.   Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: TransUnion TransUnion 's profile photo XXXX This site/email wants {$1.00} for 7 days then XXXX a month. 
should I try experian for a FREE 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 explanation
Consumer complaint received 03/27/2017 about Debt collection (Medical) with HOVG, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I 'm filing a complaint against Bay Area Credit Service, a collection agency working on behalf of XXXX. Bay Area Credit is reporting negative information about a medical ambulance bill that was paid on XX/XX/2016. I have attached a copy of my receipt that was emailed to me directly from XXXX, so I 'm a little unsure why it was sold to the collection company in the 1st place. This negative information is damaging my credit worthiness & affecting my credit score. I 'm in the process of applying for a mortgage & this negative account is standing in the way of that goal. My ask is that this information is removed from my credit files ASAP & all further collection action & negative reporting cease. I work very hard to maintain my credit worthiness & I strive to pay all my bills on time. I 'm also requesting a letter ensuring that this debt is satisfied & will not EVER appear on my credits for all XXXX bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MD).
Issue: Making/receiving payments, sending money

Complaint: My mortgage company denied my hazard insurance payment and purchased homeowner 's insurance for me at a premium rate. My mortgage company does not escrow my homeowner 's insurance and the banks actions may be an attempt to hold my insurance in escrow. I recently moved to a new home ( three years ago ) and I had no problem paying my homeowner 's insurance the first two years in my new home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 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: I have been consistently making payments to Navient on my student loans. Navient doesnt allow flexible payment options. Theyre either ~ {$200.00} or $ 700+. I can not afford the higher tier option. As Ive been paying on the lower tier option less than 5 % of my payments have been allocated to principle. 95 % of payments have been going towards interest. For context, I took out a student loan in 2013 for {$20000.00}. Although I have been making consistent payments on the loan my balance is currently {$23000.00}.

Company response to consumer: Closed with explanation