milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2016 about Payday loan () with Enova International, Inc. (VA).
Issue: Can't stop charges to bank account

Complaint: Lender : Cash Net USA Bank : XXXX, VA I have emails that have been sent to them stating that I am now receiving my pay once a month and not bi-weekly. I needed them to not auto-draft from my bank account because I was laid off prior to getting the job and at the time I stopped receiving pay from unemployment because I was working. I went a solid month with no savings and no income and they relentlessly drafted from my account even after I pleaded with them not to. They asked for pay stubs but I had none because obviously I started a new job. They finally accepted a statement from human resources on company letterhead that states the fact I get paid on the last day of the month. Even though they admit that they were wrong, they are n't able to reverse my last payment. I am going to ask my bank to reverse the payment but in the meantime, I am out a lot of money because of overdraft fees. Here is what I wrote to them : I am going to call my bank to reverse out the most recent payment as according to your recent email, I should give at least two days notice of a request to change due dates. I initiated this process on XX/XX/2016 ; two days after I started my new job. I was laid off from XX/XX/2016 - XX/XX/2016 by the way. I responded that I did not have a pay stub yet and since I was employed I was no longer going to receive unemployment checks. You withdrew from my account anyway and caused XXXX overdrafts for NSF. I then contacted Cashnet on XX/XX/2016 with my first pay stub proving that I get paid monthly and the response was we need XXXX. I called in and complained and someone there told me to send a document on company letterhead stating that I get monthly. I complied and sent it XX/XX/2016 at XXXX. I got no response but it was a full 3 days prior to my payment. Lastly, the overdraft comes out and as I predicted caused an overdraft. You all have to remember that I am a customer. I have been kind, courteous and patient. That has not been reciprocated. In the end, I 'm the customer and the company should be kind, courteous and patient not the other way around.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My complaint is genuine. I 've sent in a forbearance payment which was XXXX dollars for XXXX signature loans to this cover up XXXX XXXX now Navient student loan company. Some staff member did not follow through what was submitted. I 've contacted the better bureau business about the company as well. The Navient feedback was a fraudulent submission. As as of now they did n't keep they word regarding the terms and conditions which were complied in the letter. They continue to call everyday using fraudulent out of state numbers which is very harassing after the company knows I am unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: An former address for a current employer was incorrectly attributed to me. The credit report refused to remove it. It has negatively impacted me as bills have been sent to that address and not to me, because I 've never received them they 've gone unpaid and entered collection status. The address in dispute is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. See pg XXXX of 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 explanation
Consumer complaint received 03-08-2017 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX 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.

Company response to consumer: Closed
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX HAS XXXX LOANS LIST ON MY XXXX AND EXPERIAN AND  ONLY XXXX LIST ON MY XXXX REPORT. REPORT THAT ARE DUPLICATE LOANS. THEY ARE LISTED WITH XXXX AND BENEFICIAL. THE XXXX WITH XXXX XXXX ARE OK I HAVE DISPUTE THE LOANS WITH XXXX ON XXXX XXXX AND ON XXXX THEY CONCLUDE THAT THE ACCOUNT WERE VERIFIED AS ACCURATE AND HAVE BEEN UPDATED TO REFLECT RECENT ACTIVITY BUT HAVE NOT PROVIDED NO DOCUMENTATION OR EVIDENCE. I HAVE BEEN DISPUTING THIS ISSUE SINCE XXXX XXXX AND CONTINUE TO BE DENIED. MY NEXT STEP IS TO START LIGITATIONM AGAINST ALL THREE CREDIT BUREAU.

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 06/13/2016 about Debt collection (I do not know) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Collection services of Athens is attempting to collect a debt from me and I never established a contract with this company. Furthermore collection services of Athens is currently reporting negative information onto my XXXX credit report indicating that I owe XXXX amount of XXXX and a additional amount for XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with 21ST MORTGAGE CORP. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Hi, I had a multifamily home, and I moved out to a single, it was rented out, the bank that owned the loan file bankruptcy, the new company that brought the loan said I did n't qualified for a modification because I did n't live there and its considered and investment property so they foreclosured when I did n't agreed to there terms. I told them I should get a modification and that mgl XXXX for foreclosures states that, they claimed that the mgl. XXXX does n't apply to me, because I did n't live at the property I was n't entitle to any modification or a 150 days right to cure, and was not allowed to find another bank that would refinance me. After I did n't agreed to their terms in XXXX XXXX 2015 they sent back my money and foreclosed on XXXX XXXX 2015. I tried to get back my property but they sold it to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with PAYPAL HOLDINGS INC. (TN).
Issue: Billing disputes

Complaint: ON XX/XX/2016 I PLACED AN ORDER ON XXXX IN THE AMOUNT OF XXXX. ALL HAS BEEN REFUNDED BACK TO MY PAYPAL ACCOUNT EXCEPT XXXX. THE ORDER WAS CANCELED ABOUT 30 MINS. AFTER IT WAS PLACED, AND XXXX STATED TO ME THEY WOULD STOP THE ORDER DUE TO A FAMILY EMERGENCY. XXXX DID CREDIT MY XXXX BACK, BUT HAS NOT CREDITED THE XXXX. I FILED MY DISPUTE WITH PAYPAL AND THEY HAVE CLOSED MY CASE LEAVING ME TO FOOT THE BILL. WHICH I WILL NOT PAY DUE TO THE FACT THE ORDER WAS CANCELED AND I NEVER RECEIVED THE ITEM. PAYPAL HAS NOT KEPT MY ACCOUNT CORRECT PLEASE SEE ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several hard inquiries on my credit report that I did not authorize. I have contacted each creditor that pulled my credit. I was unable to get the inquiries removed. I contacted all 3 credit bureaus and were unable to get my inquiries removed. The following are inquiries that I DO NOT recognize. <P/>Equifax : XXXX XXXXXX/XX/XXXX XXXX /XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I would like these inquires removed from my credit report promptly. They were not done by me nor auhtorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (LA).
Issue: Other transaction problem

Complaint: we sent money to our daughter in  XXXX  on   XXXX   XXXX   XXXX    ,  Western Union  did not release the funds and they sent me a letter that the transaction was never completed, we reply that we needed a refund, they have been investingating this matter for  XXXX  weeks now and we are not getting the funds back

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (NV).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: THERE WERE SEVERAL CHARGES ON MY NETSPEND CARD THAT I DID NOT AUTHORIZE THE CHARGE OR THE PURCHASE THREW A INTERNET. I BELIEVE MY LAPTOP GOT COMPROMISED AND HATCHERS GOT MY CREDIT CARD NUMBERS. I HAVE FILE A COMPLAINT WITH THE IC3.GOV AND WITH LOCAL AUTHORITIES. HERE IS THE LIST OF MERCHANTS THAT CHARGED MY CREDIT CARD FOR SERVICE AND PRODUCTS THAT I DID NOT ORDER OR AUTHORIZE THE CARD TO BE CHARGED. 
Transactions included in this dispute If you have additional transactions to dispute, that are not listed here, please contact Customer Service. 
Special Note : When you file an unauthorized transaction dispute we require the affected card ( s ) be blocked to protect your account. We will show you options for replacement cards once you finish filing your dispute. 
Transaction Date Description Amount XX/XX/XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX XXXX XXXX US {$15.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX XXXX # XXXX XXXX XXXX {$28.00} XX/XX/XXXX XXXX # XXXX XXXX US {$47.00} XX/XX/XXXX XXXX XXXX XXXX {$6.00} XX/XX/XXXX XXXX   XXXX XXXX {$49.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXX XXXX XXXX XXXX {$1.00} XX/XX/XXXX XXXX   XXXX XXXX {$1.00} XX/XX/XXXX XXXX  XXXX XXXX {$24.00} XX/XX/XXXX XXXX XXXX XXXX {$1.00} XX/XX/XXXX XXXX XXXX XXXX AXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} THANK YOU VERY MUCH FOR YOUR TIME AND CONCERN ON THIS MATTER.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX DBA Equifax and XXXX for {$530.00} form XXXX XXXX XXXX on XXXX XXXX2016 reported. I sent the dispute and I still have not received a reply. I have no clue what this charge is about. I 've been trying to resolve this issue for quite some time. 

Please let me as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (I do not know) with National Arbitration Forum (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I 've reported these people before. Called at XXXX XXXX. 

Here 's the message they left : This message is for [ uninteligable ] regarding file number XXXX This is XXXX XXXX XXXX now serving final legal notification. Failure to respond within the next XXXX hours will result in you forfeiting any and all rights for about restitution. Your case will be forwarded out to your local jurisdiction to be prosecuted to the fullest extent allowed by state law. If you wish to prevent legal action is imperative you contact the filing department at XXXX [ message ended ].

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX was given a opportunity to present verification of a debt that they were trying to collect on they were unable to provide the information that was asked for under the Fair Credit Act to validate this debt. They have been given numerous opportunities. Therefore i filed a complaint with cfpb their response was they basically have no rights to the information that was asked for and basically they 're not able to provide the info because they dont have it to give to me so therefore they should not be collecting on this debt if they can not provide the information and this needs to come off my credit because of the Fair Credit act that they were not able to validate this debt is mine.

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 03-01-2018 about Student loan (Federal student loan servicing) with NELNET, INC. (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have made several attempts to solve repaying my student loan with XXXX. Sent in a form to apply for a deferment and hardship since I feel behind to constant medical bills. They denied it and came up with a repayment of {$190.00} per month and this is definitely too high. If I am having a financial hardship, then I definitely can not pay that amount. 
When ever I email to get a better term payment, I get harassing emails on paying. It appears that this company lack compassion or just bothersome and want to harass a person. 
What can be done to have them come to realization that I can not pay {$190.00} a month with the hardship I am having?

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with First Data Corporation (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter from XXXX XXXX XXXX XXXX XXXX. saying that I owe {$420.00} for a bank overdraft fee at XXXX XXXX XXXX XXXX. I was sending XXXX XXXX XXXX payment of {$30.00} once a month from XX/XX/XXXX-XX/XX/XXXX. I send them a total of {$150.00}. I try calling this company several times and I was n't able to talk to a real person. I then send in a inquiry form to XXXX XXXX XXXX about my account. They send me a letter saying my account was closed on XX/XX/XXXX and they are going to refund me {$55.00}. I received two check totaling {$55.00} in the mail. I had to filed a complaint online on XX/XX/XXXX with CFPB complaint # XXXX because they still owe me {$94.00}. XXXX responded by sending me a check in the mail for {$64.00}. XXXX XXXX XXXX still owe me {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: AES  is reporting inaccurate information. Some include loans I never opened. I have tried disputing with the credit bureaus and no information is being provided to fully validate all the accounts. I even called on  XXXX / XXXX / XXXX  to see why all the inaccuracies were not being fixed and  XXXX  the representative stated they no longer own the account so she can not assist me.  XXXX  accounts definitely do not belong to me and they added them on illegally. One was " opened ''  XXXX / XXXX / XXXX  and closed  XXXX / XXXX / XXXX . The amount for this account that was charged off according to the company was {$33000.00}. They initially started reporting  XXXX  through  XXXX  which they went back to report on after a dispute. Than they did not report anything until  XXXX . This account was never mine and dragged out closing the account they illegally opened to begin with since it would have been closed in  XXXX . And the other account is showing an " open '' date of  XXXX / XXXX / XXXX  with a charge off amount of {$4300.00}. No reporting occured for this account until  XXXX . They added a false payment history once I reported the issue which than started in  XXXX , two years after they said the account was open. I never signed a loan for the  XXXX  above accounts and the company added them on for mere destruction of my credit reports. They also have an account with a charge off balance of {$33000.00} that they closed on  XXXX . This account has no solid reporting and therefore the closed date should have been in  XXXX . There is an account with loan amount of {$14000.00} and reported they received a payment in the amount of {$22000.00}. This account too had missing reporting which further shows there is no validation of a closed date. The last account reporting  is one  with an original amount of {$16000.00}. They stated they received a payment in the amount of {$26000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax reported me late on a XXXX XXXX credit card. They have me listed as late 30-60 days. I made a payment on this account on XXXX XXXX for {$20.00}, on XXXX XXXX for {$10.00} and on XXXX for {$230.00}. When I called XXXX XXXX about late fees they reversed them on XXXX XXXX for the amount of {$29.00}. The account was never more than 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Medical debt) with Harvard Collections, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: we received a bill from  Harvard  collection services inc, I was not aware that i owed these doctors. original amt.  XXXX  settlement amt.  XXXX  then offer was made  XXXX  if paid on the phone. i had bad experience on dealings on the phone so i offered to pay by check, cashiers ck, or money order. at that time i was told that if i had concerns about paying on the i could pay on the phone and then close out my acct. then they said i could pay by ck. but amt would be  XXXX  to me this made no sense at all. this is what brought me to this point in time. the closing the acct. was so far off the wall i really became concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Medical) with Receivable Solutions, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been getting calls and voicemails from this one bill collector for months now. They call at least once a day, every single day and leave a voicemail. It 's always a machine that calls. I have over 40 calls from them in just the last month or so but it 's been going on way longer than that.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (OH).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I was in a car accident which resulted in total loss of the vehicle, my primary insurance paid their portion to  Kia Financial which left a balance remaining balance for my gap to cover. The gap insurance is requiring certain documents from kia financial, I have tried multiple times to obtain these documents from kia financial with no luck. Kia continues to send me partial documents and each time I call its a 2-3 da y turn around. I was previously instructed by kia to not make my payment which would result in no late fees or interest and adverse credit reporting. My payment functionality was removed from the website and based off my result today my account has been referred to recovery. Again I called today and I was assured that I would not accrue late fees or or interest and no credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I defaulted in my mortgage payment for some circumstances beyond my control. However, In XXXX XXXX, I requested for loan modification. Bank of America sent me the package which I completed, faxed them back and equally fedex original copies. They acknowledged that they received them. But since XXXX XXXX until today XXXX XXXX, XXXX, they have not made a decision on my case. In fact, they have continuously requested for the same very documents that I sent them from and by different department and from different locations. They do not return calls, and each time I called, it appears that I am starting a new process. No one seems to know anything about my account and loan modification application. Now to the extent that my property was foreclosed by the third party trustee behind my back. No procedural service notice was sent to me. When I found out and filed for the foreclosure to be vacated, the third party attorney in few words stated " we served them and that is all the law requires. '' But the law also requires that they verify the identity of the parties representing the debtor. That they did not do. Now, while Bank of America claims they are working to modify my loan, the third party law firm is busy foreclosing my property, which appears there is no communication between Bank of America and XXXX XXXX XXXX law firm. As it is now, my property is at the verge of been sold to foreclosure, unless there is an intervention. Please I need some help.

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