milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Debt collection (I do not know) with Jacob Law Group, PLLC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX XXXX XXXX jacob laww croup pllc has refused to send any validation information of this alleged debt we have tryed for years they are all in violating Federal law on multiple accounts and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to my credit reports, XXXX is reporting the following negative information to all major credit bureaus : 1 ) Late Payment - XX/XX/XXXX 2 ) Late Payment - XX/XX/XXXX I have never been late on payments. With regards to the supposed late payment for XX/XX/XXXX, on XX/XX/XXXX a representative of XXXX stated that the late payment record ( XX/XX/XXXX ) will be removed from all credit bureaus and any fees associated with the late payment record will be refunded/credited as the payment was never late. 
With regards to the supposed late payment for XX/XX/XXXX, that payment was never late. The late payment record was caused due to XXXX fault because of the following : For the month of XX/XX/XXXX, I mistakenly initiated a double payment. I made the mistake of making a payment twice. Because of this I contacted my bank to make a stop payment request for one of the duplicate payments. After that I contacted XXXX to notify them of the double payment and to inform them that I contacted my bank to stop the duplicate payment. XXXX assured me that this wouldnt be an issue and that they will take care of it on their end to make sure that I dont incur a returned payment fee. Well it turns out that XXXX refunded me for the payment that was not going to be returned by my bank ( the duplicate payment was stopped by my bank ) without my authorization. Because of this, not only did I incur a returned payment fee by XXXX, I also incurred a late payment fee by XXXX because XXXX refunded one of the duplicate payments without my authorization. I believe XXXX did this on purpose in order to charge me 2 fees ( returned payment fee and late payment fee ). As soon as I learned that XXXX refunded 1 of my payments without authorization, I made a payment to my account since it was considered past due because of XXXX unauthorized refund of one of my payments. 
I DID NOT REQUEST XXXX REFUND ME FOR ONE OF THE DUPLICATE PAYMENTS.

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 Prepaid card (General purpose card) with NETSPEND CORPORATION (CA).
Issue: Adding money

Complaint: On XX/XX/XXXX my Paypal Prepaid card stop being able to transfer funds from my paypal to my prepaid card, it just says it is unable to complete the transaction, And today XX/XX/XXXX it is still in that same mode and getting the same error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Other debt) with Jim Bottin Enterprises, Inc (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I continue to received a voice recorded message from an XXXX XXXX on behalf of XXXX XXXX. Note, I have never step foot in this facility nor have I ever signed up for membership or even inquired about their services. I receive calls 5 to 10 times a week from this number XXXX with the same recorded message that state ; " Hello this is XXXX XXXX calling on behalf of XXXX XXXX with an important message regarding you membership I am with ABC Financial the billing company for XXXX XXXX I 'm trying to contact you one final time regarding your fitness membership account. It 's extremely urgent that you contact my customer care division at XXXX to resolve this matter! Again, this is XXXX XXXX from ABC Financial calling with a final attempt to contact you to resolve an issue with your  XXXX XXXX account. My customer care division is available to help you. This is an URGENT matter however, time is running out please call us at XXXX Thank you for your prompt attention to this important matter!

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Auto) with Reese Law Group (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: This debt is an old debt back from XX/XX/XXXX that I have been harassed by primus financial for. I currently have a modification saying that I owe XXXX that was dated XX/XX/XXXX. They garnished {$60.00} from me on XX/XX/XXXX. On XX/XX/XXXX they took {$370.00} out of an account that was not mine. I am a signer on someone elses account and they took money out of their account, and my savings and checking. They left all accounts with a zero balance. The person whos account they took from is not my spouse and it is not their debt.

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 03-05-2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have already submitted a complaint # XXXX. I was supposed to have a remedy within a 60 day period. Needless to say, the 60 days have passed and no response. The merry-go- round begins again. Please see what can be done and keep me informed, PLEASE!!! 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 06-06-2015 about Mortgage (Other mortgage) with Mortgage Research Center, LLC (TN).
Issue: Application, originator, mortgage broker

Complaint: Veterans United employee XXXX XXXX pulled my credit report without my permission. He pulled a XXXX XXXX XXXX equifax credit report and merged it with my XXXX and XXXX credit report. XXXX Mortgage which was hired to pull my report, sent me XXXX XXXX XXXX credit report with all her personal information on it. I am guessing they sent her mine. This is a clear violation of the Fair Credit Report Act. I received an email from him saying that if I do not control my XXXX condition then he will not talk to me or work with me. I requested that he remove the inquiries from my credit reports. As of today, Veteran United has blocked my phone number. They have demonstrated discrimination practices against being a XXXX Veteran and XXXX XXXX Woman. I told him and his manager that I suffer from an XXXX and when they trigger my condition then my symptoms flair up. They continued to ignore my pleas. Now they have accessed my credit report swithout my permission. They have blocked my phone number. They have snubbed me after violating Fair Housing and Credit Reporting laws by accessing me and another woman 's credit report and merging them. By doing this they created a false credit score and decreased my credit score with this inquiry. I am concerned about identity theft with Veteran United. I want to be made whole. I want this mortgage inquiry removed from all XXXX credit reports ; XXXX, XXXX, and XXXX. 

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 10/19/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (OK).
Issue: Unauthorized transactions/trans. issues

Complaint: Ca n't access my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me XXXX never reaffirmed that I was paying. 

I called XXXX XXXX. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to XXXX was discharged in bankruptcy and now was closed. 

TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to XXXX. Judge allowed me to keep the property. XXXX transferred the note to XXXX, who has a debt service contract with them. XXXX assigned a new acct number. 
I paid the back payments and then made every monthly payment. 

After a year of making EVERY payment, XXXX transferred note back to XXXX. XXXX used the original loan number. 

HOWEVER, XXXX NEVER REAFFIRMED MY PAYMENTS. 

Sidebar : XXXX also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow! 

2. My credit reports ( 3 ) state that my mortgage to XXXX was discharged in bankruptcy and then just listed as transferred. 

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have call credit bureaus to dispute all negative impact on my credit reports in regards to date of opening not correct, information from documents I have showing I do n't owe and cases that were discharged in my chapter XXXX from 2008, these companies keep reselling to other companies over and over again, one collection company which is XXXX XXXX has false reporting saying I owe when wisconsin circuit court shows I do n't, damaging my credit,

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 11/28/2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late on XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: For the following two loans
  1-01 DL Consolidated - Unsubsidized, disbursement date XXXX
  1-02 DL Consolidated - Subsidized, disbursement date XXXX
Navient lists XXXX as the receiver. I did not go to XXXX in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian just informed me that XXXX XXXX XXXX remains on my account. Can you explain how it remains when they told me that the account was closed in 2014 with an unknown name, my wife 's maiden name, and an address in XXXX Virginia when I have lived in XXXX Virginia my whole life, just check the XXXX records.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Data breach eqiufax

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: False Advertising complaint against XXXX XXXX. They consistently advertise VA Mortgage Loans as {$0.00} Downpayment without providing details of who actually pays the lender closing costs and prepaid items ( insurance, tax escrows ). You must submit all of your information and then have the explanation provided by a Realtor that they refer the lead, who pays a portion of their commission to XXXX XXXX, which may be a separate issue regarding Lender Rebate programs. 
The VA Mortgage product is at best a 100 % financing option ( based on the Veterans Entitlement and loan amount chosen ) with Closing Costs typically paid by the Seller in negotiated concessions in the sales contract. Lenders may also build these costs into their rate but based on XXXX XXXX published terms that does not appear to be the case.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am refinanced XXXX student loans totaling $ XXXX in using XXXX, the loans were originally serviced by Navient. XXXX was excellent to work with and the application process was smooth, with a rate that is excellent. 

XXXX issued the funding payment. 

XXXX - The XXXX payment sent to Navient was applied to only XXXX of my XXXX loans, against instructions provided by XXXX to pay down all loans. This created a ~ $ XXXX positive balance on XXXX of my loans, and approximately $ XXXX outstanding balance on my remaining XXXX other loans. 

XXXX - Navient debited my bank account {$960.00} as usual for my monthly payments even though my cash position as a whole was positive with Navient ( the positive balance on my loan was greater than the negative balance on my other XXXX loans ). 

XXXX - the positive balance on my XXXX loan was reapplied across all outstanding loans. But I am being told it will take XXXX weeks for them to refund me the {$960.00} Navient debited on XXXX. I am out almost $ XXXX for a month now!

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Auto) with Westlake Services, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I followed the proper procedure and returned the automobile over to the car dealership. The amount claimed on the collection is the offset resulting from the return of the vehicle ; therefor, I do not owe anything. I also sent a letter asking to verify the debt and I have not received a corresponding letter back, but instead when I called, I was told that the allegded debt was sold in XXXX to XXXX XXXX XXXX ; of which, I have not received any documentation from.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: From beginning of XX/XX/XXXX up until XX/XX/XXXX, I have been trying to work with my lender to try to get something done about the property. I informed them back in the early party of XX/XX/XXXX that i had been laid off of my job and i needed to do a loan modification to try and offset what i new would happen inevitably. I tried to do the modification, but eventually my unemployment ran out, so i began to look for a buyer, when i could not find a buyer on my own, i recently went to a Realtor. I was under the impression that i had to pay a realtor to actually list the property. I do not deny that a lot of this situation is procrastination on my part, but i need this short sale to make the matter right. 
The property is listed at {$130000.00} and we have had a lot of activity with phone calls and showings. I currently have an offer that i would like for the lender to review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Bank account or service (Checking account) with APPLE FINANCIAL HOLDINGS, INC. (NY).
Issue: Problems caused by my funds being low

Complaint: I was charged a {$35.00} overdraft charge when I had expressly asked my bank to never overdraft my account for any reason. Not only that, but I also had made a deposit the night before that would more than cover the small charge that my bank ( Apple bank ) was claiming merited the {$35.00} overdraft charge. 
This overdraft charge seemed unfair, unreasonable, and avaricious. I talked to the phone customer service, who was unhelpful and told me to talk to my local branch, and I then talked to my local branch, who told me they did not have the authority to overturn this charge, when they have in the past. They then asked me to fill out a form to request this charge be overturned. But they seem unhelpful and unwilling to listen to what I have to say and they seem to be more concerned with profiting off of my bank account then in offering legitimate and professional service. 
I 'm contacting your office because I believe you exist for this type of low-level crime that banks get away with consistently and wind up profiting off of these kinds of seemingly innocuous situations to the tune of XXXX of dollars every year. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2017 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: Account information incorrect

Complaint: Purchased a new XXXX from XXXX XXXX finance XX/XX/XXXX and 5 months later it was totaled by another driver that hit me in XX/XX/XXXX. I was making my monthly payments that XXXX was slow to report on my credit report at first. When the car was totaled, the other insurance company made a pay off in XX/XX/XXXX which did not settle the balance. I had to do a dispute to show the reduced balance since XXXX was still showing the full amount due. The dispute was done XX/XX/XXXX and completed XXXX XXXX, XXXX. In XX/XX/XXXX XXXX started calling me to make payments when I told them it was in a law suit and would be settled. I finally made 2 payments of {$400.00} on XX/XX/XXXX and XX/XX/XXXX. XXXX never reported those payments. I received my settlement in XX/XX/XXXX and XXXX accepted a reduced offer of {$2200.00} for the balance on XX/XX/XXXX. I had to call about 20 times till I finally got my pay off letter on XX/XX/XXXX. I started another dispute since the 2 payments were not showing up and finally on XX/XX/XXXX my reports were updated but had the wrong information. It showed account was open and there was a balance. It is taking me so long waiting the 30 days for a dispute so I have turned to you to see if I can get results in a more timely matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit checks were conducted against my credit file by XXXX as listed in the below complaints to CFPB. I want to be sure that the credit reporting bureaus are not listing credit checks from XXXX ( or its partners XXXX on my credit file. I have no service in my name with XXXX. I never authorized them to check my credit. 

CFPB Complaint # XXXX : XXXX ( XXXX XXXX XXXX ) CFPB Complaint # XXXX : XXXX ( XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hunter Warfield failed to contact me after they received dispute letter with in the 30 days. I disputed the debt from a lease because the dates end date of the lease was before the start date of the lease. The lease we signed on XX/XX/2015 and it clearly said the lease started XX/XX/2015 and ended XX/XX/2015. There is an error in the way this lease was written by them and I 'm not at fault for their error. I feel they had a professional duty when creating this leases to be sure all the dates are listed correct. I also ask in my letter to them to notify me in writing by mail and email immediately when they have receive my letter. I only recieved the intial from them and was never mailed anything else about this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Consumer Loan (Installment loan) with DISCOVER BANK (MD).
Issue: Problems when you are unable to pay

Complaint: I have a loan ( fixed ) with Discover Personal Loan service ( account # XXXX ). I thought when I consolidated my Credit Cards, my payments would help me get out of debit faster. I did n't know how high the Interest payment would be. My monthly payment is {$580.00} for a {$2500.00} loan that stated in XX/XX/XXXX. The interest payments started in the {$500.00} range in XXXX and now it 's down to {$280.00} as of XX/XX/XXXX. They 've take more interest then they put towards the principle. MY loan payment as of XX/XX/XXXX is still at {$19.00}. I called to asked if I my interest payment and monthly payment can be lowered, but they said that 's could n't be done according to the agreement. I have XXXX other Discover Credit card accounts that are at the max. XXXX is at {$7800.00} and the other is at {$2100.00}. I have other debit that I 'm trying to keep up with, but I would like to know if theirs anything I can do about the agreement of the Discover personal loan,

Company response to consumer: Closed with explanation