milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I filed numerous disputes with Trident Asset Mgt and advised them to provide me with contracts with authentic signature than begun this alleged debt. Trident Asset Mgt Provided me information that is woefully deficient and fails to establish that this is a valid item. 

First, Trident Asset Mgt have not, by any credible means, demonstrated that I owe this alleged debt to their organization. Trident Asset Mgt have failed to provide any document bearing my signature that would establish that I have any indebtedness to their company. 

Second, Trident Asset Mgt have merely supplied me with copies of alleged bills on the account in question XXXX OR contract ). These documents, which Trident Asset Mgt could easily have fabricated, failed to prove that there is any legal or contractual obligation between myself, their agency or the creditor. 

Third, as Trident Asset Mgt have failed to establish any relationship between me and the purported debt, I demand that Trident Asset Mgt discontinue reporting this item to the credit bureaus and, in fact, that they delete the item. Additionally, note that if Trident Asset Mgt continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I did not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to Trident Asset Mgt AND to the original creditor. Their answers were condescending and I advised them that I would report there negative response to the Consumer Financial Protection Bureau XXXX. Trident Asset Mgt hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DO NOT have any contractual obligation to pay Trident Asset Mgt at this point Trident Asset Mgt have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Google Compare Credit Cards Inc. (UT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Google has sent me multiple emails on a debit card debt. I have notified google through email that I have filed for chapter XXXX bankruptcy, however, they keep sending me collection notices and violated the automatic stay rule. I suffer from XXXX and they have aggravated my condition. 


Case # XXXX ( Chapter XXXX ) Title XXXX XXXX XXXX Filed XXXX/XXXX/2016 Judge XXXX XXXX XXXX Original Chapter XXXX Vol / XXXX XXXX XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P : ( XXXX ) XXXX F : ( XXXX ) XXXX E : XXXXXXXXXXXX XXXXXXXXXXXX XXXX ( XXXX hours ago ) to me Hello XXXX XXXX , You have - {$390.00} in your Wallet Balance. 

In order to continue using Google Wallet to make purchases and send money to friends and family, you 'll need to add money and settle your negative balance. 

To settle your negative balance on the desktop site : Sign in to your account at XXXX. 
Click on Settle Balance in the top yellow banner or in the left bar under your current Wallet Balance. 
Choose a payment method from the drop-down menu. 
Click on Settle Balance to complete your payment. 
To settle your negative balance in the app : Open the Google Wallet mobile app. 
Go to the navigation menu on the left. 
Tap on Wallet Card & Balance. 
Tap on Settle Wallet Balance. 
Review the confirmation and tap on Add money. 
Thanks for your quick attention to this and for using Google Wallet. If you have further questions or need help, please visit our Help Center or contact us at XXXXXXXXXXXX. 

The Google Wallet Team ( C ) 2016 Google Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX You have received this mandatory email service announcement to update you about important changes to your Google Wallet account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Trouble during payment process

Complaint: I previously filed a complaint with CFPB regarding Specialized Loan Servicing about my mortgage.
As previously stated, Specialized Loan Servicing has been  holding insurance funds that they were not entitled to since XXXX XXXX. I paid for all the repairs to my home. Specialized Loan Servicing was to endorse the check and return to me. Rather they deposited the money, applied it to my mortgage for 6 months of payments, then reversed the transactions after a couple of months, leaving me in default, held the monies in " escrow '' - filed a foreclosure suit against me, had me refinance with them - and said they would only return me my insurance proceeds after I made payments for 6 months. 

During that period of time, I was accidentally copied on an email between Specialized Loan Servicing and their counsel, where they said that they would provide me with a modification package but were going to deny it upon my submission and proceed to foreclosure. ( a copy of this email was previously provided to CFPB ). Once Specialized Loan Servicing and  their attorney learned that I had a copy of that email, they immediately allowed a modification but not without tacking on fees to the mortgage amount and refusing to return my insurance proceeds until they received the 6 months of payments. 

After 6 months they did not return my money. When I repeatedly called and asked, the representatives told me that I had to have an attorney call to get my money back. 

They then started returning my payments. 

In their previous response to my complaint to you, they said they were looking in to the matter, that I had more than a year of unpaid mortgage payments, at the time, which was not true and that they would continue to look into the matter and respond to me. 

CFPB closed the matter with the response. 

Specialized Loan Servicing did not respond to me. Did not send me my insurance proceeds. They did not send me any correspondence. 

I have been informed that they went ahead and filed a lawsuit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed critical personal information to be released on over 50 % of the population United States. This is absolutely deplorable! 

It is important to note that consumers such as me even lost passwords to key business sites including retirement accounts, credit cards and even their email providers. I know this for a fact! 

Within two days of this breech, Equifax Board members sold some of their stock. Consumers did not learn of this for about 75 days!
Equifax as a company should not be allowed to exist. It should not be allow to simply change its name. Equifax board members, executives, information technology staff and other employees involved should be punished for what they have done to the citizens of our country.
In the future, Equifax, XXXX, XXXX and similar companies must have comprehensive review and oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Financial has failed to provide {$740.00} payoff refund after 2.5 months. The mortgage was paid off on XXXX XXXX, XXXX. I called Ditech around XXXX XXXX to confirm payoff status and shipping address for refund. I emailed Ditech on XXXX XXXX, XXXX, requesting an update. I called Ditech around XXXX XXXX and was told that a refund was issued on XXXX XXXX, XXXX, but it would be reissued and should arrive within 2 weeks. On XXXX XXXX, I received a response to my original email stating that a refund was mailed on XXXX XXXX. As of XXXX XXXX, 3 weeks later, no refund has been received.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: the information that appear on my credit report was an identity theft. I also sent to you the police report that clarify what was happened. your investigation is not complete, according to the law. it should be remove and corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XXXX/XXXX/XXXX My daughter 's USAA debit account was frozen by USAA. When she called USAA, the fraud was reported and funds were temporarily returned XXXX/XXXX/XXXX. The transaction involved an ATM withdrawal at XXXX XXXX & claim was approved by USAA. 

XXXX/XXXX/XXXX My USAA debit account was frozen by USAA. I called and reported multiple fraudulent transactions that were discovered during that initial call, one of which was done at the same place and date as my daughters fraudulent activity. I do believe I reported a total of XXXX transactions, but after further review, it was only XXXX transactions within a 2 week period, between XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, for a total of {$3500.00}. The bank provided the temporary credit for the initial report of XXXX transactions for a total of {$3700.00}. The last transaction that I was able to verify occurred on XXXX/XXXX/XXXX for {$200.00}. 

I received an email from USAA on XXXX/XXXX/XXXX stating my fraud claim was denied and all funds will be taken back by USAA XXXX/XXXX/XXXX. The letter states I can request a copy of their report upon written request, but says nothing about my option to appeal. I read this email XXXX/XXXX/XXXX, a day after it was sent, which led to 3 different calls to USAA the same day attempting to receive a discussion about the denial. By the third call, I specifically asked to speak with a supervisor that can help me to understand their decision. In the end of that lengthy discussion, I was told it was my fault for not reporting sooner, but I did n't know fraudulent activity was occurring in this account until it was frozen. After asking twice, I learned reporting need to happen within 60 days, and then told I was responsible for the first {$50.00} for every 5 days that passes. I was told that chips make fraud impossible and getting card number with PIN is unlikely. She made it clear that because I did n't report until account was frozen was too late and its on me. I looked everywhere on USAA website for these rules and found no mention of them. I did submit an email request for their report XXXX/XXXX/XXXX. 

In reviewing these XXXX debit accounts held by me and my daughter, I have discovered a mutual location where these fraudulent activities might have originated. We both have one mutual transaction site, XXXX XXXX # XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have sent several disputes to Experian, XXXX and XXXX  for correction but everything keep coming back as verified and that is n't the case 1. My personal information has been put on a freeze with XXXX XXXX on XX/XX/XXXX but Experian, XXXX and XXXX states that my bankruptcy has been verified through XXXX XXXX on 3 different occasions and the same for a Tax Lien with XXXX. 2.Experian keep stating XXXX XXXX Credit Card is verified as  Open when my dispute clearly states that it is to be charged off with bankruptcy and after speaking with the company it is still closed so their verification is not reliable. 3.I tried disputing late payments with XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX ( XX/XX/XXXX-XX/XX/XXXX ) and XXXX for student loans but keep getting the run around stating its nothing they can do because my account has been transferred to XXXX XXXX but XXXX XXXX would not address the issues of original creditors 4.XXXX reports late payments from XX/XX/XXXX-XX/XX/XXXX, and XXXX XXXX late payments XX/XX/XXXX-XX/XX/XXXX all when I was under a open Chapter XXXX 5.All 3 bureaus added my old names back to account and will not removed misspelled with pass addresses names off along

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 05-04-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have account on my Equifax credit report that I am not responsible for. I have contacted the bureaus along with creditor and have had no help with resolving the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Problems caused by my funds being low

Complaint: I mistakenly submitted 4 transactions to my bank account which were denied after my job delayed an expense reimbursement. Not only did they charge me excessive overdraft and finance fees 14 times ( as of now ) for the 4 charges, they would then attempt to withdraw the charge again, causing overdraft and finance fees to multiply. This occurred with a XXXX credit charge of XXXX, a student loan of {$160.00} on XX/XX/XXXX, XXXX of {$61.00} on XX/XX/XXXX and {$9.00} on XX/XX/XXXX. This is predatory and it caused a downward spiral that I was just able to get out of. Had I not had the resources to climb out, I could have been bankrupted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt collector has falsely represented itself as working in real-time with my former wireless carrier ( XXXX ). I have alerted them several times to a dispute I have over the amount alleged as my debt, as well as alerted them to a complaint I have with XXXX lack of accurate customer service, or possible intentional misconduct. Requests I have made to have debt collector and XXXX verify my claims of overcharging and deceptive business practices have gone fully ignored. Debt collector tried to furnish xeroxed copies of disputed records as " debt verification. '' Debt collector continues to portray itself as a 3rd party, in the employ of XXXX. The more likely scenario is that they bought the debt from XXXX, and are trying to squeeze every dollar they can out of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed a collection account from XXXX on my credit report to experian, they responded that they verified the account, but somehow XXXX could n't verify the account. So who 's wrong? I say XXXX, cause as I stated in my original dispute the account was incorrect. So how did XXXX verify an account another credit reporting agency could n't? Does Not exactly explain out very well.

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 08-08-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WY).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I recently discovered that I have XXXX liens on my property. XXXX liens were placed in XXXX 2014. The liens only show up on my husbands credit report. This came to light when I was unable to proceed with refinancing our home. We jointly own XXXX pieces of property the majority of which is farmland. 
Apparently my husband was served on XXXX of his breaks home. He is usually XXXX. He did not appear in court and judgments were issued against him BUT the judgments are actually against both of us. The debt in question was unsecured credit card debt that was solely in his name. The creditor in this case is a 3rd party debt buyer who is currently involved in several class action lawsuits as are the XXXX parent companies. Asset Acceptance Capital Corp. was able to get the judgments that resulted in the liens. The XXXX parent companies are Encore & Midland. 

I would like to know if its legal for them to put a lien against property I have interest in when I was n't a party to the debt or the judgement? 
I would also like to know if they are in any way violating the Fair Debt Collection Practices Act in this case? 
I feel I am an injured party because its my understanding that the judgments will last 21 years. 
I have a XXXX mortgage, a HELOC that came due in XXXX. It was always my plan to roll the XXXX & XXXX together and I started that process about 6 weeks before and this is when the issue of the liens came up. 
I could n't answer any questions about the liens as they came as a total surprise to me. The liens are causing me a hardship in that my mortgage has doubled and I 'm afraid we are likely to fall behind. My insurance has already doubled. I ca n't refinance the home and I ca n't sell any of my other properties. Asset Acceptance has way more in assets tied up for me than the debt that is owed and its not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I mailed a Multiple  Inquiry Removal Letter  to EQUIFAX on on (   X/XX/2017  )  by certified mail in order to dispute information, in regards to  (   XXXX   ) i nquires, that is being reported on my credit report. They received the letter on (   X/XX/2017     ) and they never completed an investigation nor have they contacted me within the 30 days required by law. The request that I submitted included Inquiries that were NOT factual. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a respon se ( NUMBER ) d ays after the receipt of my certified, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me, I did not sign anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.   I have n't been successful at getting in touch with anyone over the phone and other means to follow up with regards to my  Official Request.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient/XXXX missallocated my payments in a way that I would have to pay them more, they refused to move the money around and told me they could essentially put my money where ever they wanted. I then protested paying them building up interest over time. Also, every time I tried doing income based payments they said they only offered forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loan was with XXXX XXXX, and is now owned by Navient. Since the change, I have not been allowed to pay more than the minimum balance each month. With XXXX XXXX, I was paying far more than the monthly minimum in an effort to pay the loan sooner ( interest rate is quite high ). Navient does not permit advance payment. In fact, until XX/XX/XXXX of this year, every check I sent, directly from my bank, was returned through a government issued check. I also attempted to pay electronically, but that was returned. They content that, although you ca n't pay extra in your monthly payment, you can make an extra payment ; but this was not true until they realized they were in trouble ( lawsuit in XX/XX/XXXX ). I would like to be compensated for the extra interest I 've paid since XXXX XXXX sold my loan to Navient. I would not have agreed to Navient 's terms had I any choice.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Mortgage (Conventional home mortgage) with CIT BANK, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: I called XXXX XXXX to make my XX/XX/XXXX payment XX/XX/XXXX. They said they would only accept 2 payments not one. They also said if I waited until XX/XX/XXXX, then I would have to pay 3 months. I was in a motorcycle accident XX/XX/XXXX and I am still not able to walk. I will have my last XXXX hopefully in XX/XX/XXXX. With all my bills, I had fallen behind but was trying to catch up one month at a time but to no avail. Also, after being late for one payment, they deny internet access to my account. The only way to pay is via snail mail or pay them a {$20.00} convenience fee PLUS my monthly mortgage via phone..

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an unauthorized and fraudulent account from XXXX XXXX for {$270.00} listed on my Equifax credit report. This account do not belong to me. I have never had an account with XXXX XXXX. The account is the result of identity theft.

Company response to consumer: Closed with explanation