milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing the loan or lease

Complaint: took out loan with td bank. signed up for intellipayment at dealership- they have harassed us about being late when its auto deducted. we finally resolved the issue with them after many complaints. they took what they claim to be 2 week late half payment and made is sign letter stating a FULL payment will be added to end of loan. this is ripping us off of a half a payment but to stop the harassing calls, letters and ruining my credit when I have never paid late we agreed. now over a month later they are claiming again that we are late a month and owe a month plus XXXX $ and late charged. the payment is auto deducted every 2 weeks and have proof of every payment. I will not pay any more than I am required to and it is not fair they are trying to scam all this money from us. it can not be late when it is auto deducted from the bank account every 2 weeks according to the payment schedule. I can provide statements showing this! I want something done about this company- they resolved the issue then came back with the same issue all over again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Common Wealth Financial XXXX XXXX Re : Acct # To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered on XX/XX/XXXX that the item has been reinserted on my credit report. Look at the dates of the photos how my credit was perfect. Common Wealth Financial posted a bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice  to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I RECEIVED THIS LOAN FROM XXXX XXXX WHICH IS NOW NAVIENT. I HAS NO IDEA OF THE CHANGE UNTIL I APPLIED FOR IN SCHOOL DEFERMENT. I HAVE BEEN PAYING ON THIS LOAN SINCE 2010 AND I HAVE MADE NO HEADWAY IN PAYING IT OFF. I ALSO CAN NOT GET INFORMATION AS FAR AS GETTING IT FORGIVEN FROM THE COMPANY ESPECIALLY BEING THAT THE SCHOOLS HAVE BEEN CLOSED DOWN DUE TO FALSE ADVERTISEMENT PROMISING JOB PLACEMENT WHICH I HAVE YET TO RECEIVE 7 YEARS LATER. I WOULD LIKE FOR MY LOANS TO BE INVESTIGATED DUE TO THE FACT THE AMOUNT DOES N'T SEEM TO BE CHANGING AS I CONTINUE TO PAY YEAR AFTER YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Other debt) with The Leviton Law Firm, Ltd. (CA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: XXXX XXXX with the Leviton Law Office in XXXX, Illinois called our business to collect a debt for a service we signed up for in the last calendar year. When given the information that our company cancelled the service she became hostile and threatened to have us arrested. 

1 ) XXXX XXXX never disclosed that the call was being recorded. 
2 ) XXXX XXXX never gave her name, I had to call the company directly and asked for her voicemail. 
3 ) XXXX XXXX refused to give the city/state where their offices were located. In order to attempt to collect a debt, you the collector must be in the same State as the individual/business they attempt to collect from. 
4 ) XXXX XXXX cited false collection laws. 
5 ) XXXX XXXX was hostile, shouting, and was inaudible 3/4 of the entire phone call. 
6 ) XXXX XXXX refused to provide the details on how much was owed on the collection account, and how much her " firm '' purchased the collection file for.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NM).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX, I contacted Bayview via fax and notified them that the loan for which it claims to be servicer was cancelled by written notice mailed to XXXX XXXX XXXX at least as early as XXXX XXXX, XXXX pursuant to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX that same letter, I asked Bayview to not contact me again regarding the loan at issue. Since that time Bayview has repeatedly contacted me falsely claiming that I have " requested to be reviewed for a mortgage loan modification. '' I have attached a small sample of the letters Bayview sent after I asked them not to contact me dated ; XXXX XXXX, XXXX ( XXXXXXXX ), XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX ( XXXX ), and XXXX XXXX, XXXX XXXX XXXX ). These represent but a few of the harassing contacts and the frequency of the dates are a clear indication of the harassment. On XXXX XXXX, XXXX, Bayview sent a representative to my home claiming that Bayview had not heard from me and that Bayview believed that I had abandoned my property. 

Meanwhile, there is another party who has filed a foreclosure action on the very same loan in state court. 

Bayview 's contacts are harassing, and I have already notified it that the mortgage loan at issue was cancelled at least as early as XXXX pursuant to XXXX XXXX XXXX yet it has been months since that notification, and Bayview has provided no response whatsoever. It simply continues to send me modification packages falsely claiming I have requested those packages when I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am referring to case number XXXX submitted on XXXX/XXXX/15. After several attempts to find a loan modification with America 's Servicing Company/Wells Fargo loan # XXXX, they have responded that they have exhausted all possible ways for me to repay the loan. The loan is a private loan with several foreigns banks. They have mentioned that there is a limit on the times the banks are allowed to permit a loan modifiaction. I have a regular income, I have even ask ways to repay the deliquent amount. I already had sent all documentation to support the hardship that I suffered. I will like the possibility for the ombusman to intervene in this situation. I perceived that the negativity and the reluctancy of the underwriters and their response sugested me that what many of these banks are pushing individuals to foreclosures and realy not helping families to keep their houses. It could be interpreted as a double dipping action from the banks to doble sell the houses. It is not true the response of the agent that they have tried to reach me without response. I had several telephone conversations with the preservation specialist, XXXX XXXX and his manger. Please advise the status of this complaint and the possibility of a resolution on my hehalf. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 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: Personal information incorrect

Complaint: I have a few addresses in my report that are incorrect and i would like for you to dispute them. I have never lived on those addresses and are effecting 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 12/27/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We have been the victim of criminal and systematic loan fraud by XXXX different Loan Servicing Companies. First, a company called XXXX produced and had us sign a fraudulent HUD statement that appeared to make our payment appear low. When the payments were made there was an escrow shortage and the payments kept climbing. After my dad died, we had approximately {$1500.00} stolen from our escrow account by loancare and they PAID SOMEONE ELSE 'S PROPERTY TAXES WITH OUR ESCROW. They used this shortage to DOUBLED OUR HOUSE PAYMENT. When confronted, they never corrected any of the issues and they sold the loan to Nationstar. 

Nationstar, after discovering the criminal fraud on the HUD statement, has never corrected the issue and they have now engaged in their own predatory loan practices. The escrow due/paid each year is XXXX a year for taxes and insurance in 2015, but they collected almost {$6000.00} for this XXXX bill in 2015. The payment went up yet again and now is almost double the original amount on the fraudulent HUD statement. 

I think they are actually preying on widows and widowers intentionally. The fraud started when my husband died and it has accelerated. I had a complete nervous breakdown and my son had to rescue the home from foreclosure. 35 years we had a loan and no problems. This behavior I have witnessed is intentional, criminal and it needs to be stopped. The fraud seems to be concentrated around escrow manipulation in numerous forms. 

HELP!!!! Please and thanks!!!

Company response to consumer: Closed
Consumer complaint received 01-04-2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Early in XXXX 2015, the XXXX or XXXX we received a call from XXXX that they had a question about an order placed by XXXX XXXX requiring XXXX packages and charged to our PayPal ( XXXX Bank ) credit card. We immediately informed the caller that we never placed the order and an email address provided by the buyer XXXXXXXXXXXX ' was not XXXX of ours. The caller from XXXX said she would issue an order to stop the shipments. We immediately called the credit card bank through PayPal and the card was cancelled and told a new XXXX will be issued. They noted our complaint of card fraud and said they would investigate. This was a representative in XXXX. 
We received a letter dated XXXX, 2015 from XXXX bank, a copy enclosed, stating they did not find any unauthorized purchases and this is after we identified these fraudulent charges to both XXXX and PayPal. 
Recently when time permitted we again contacted XXXX who confirmed the XXXX of the shipments were intercepted before delivery and returned, but XXXX shipped XXXX by XXXX. shipped on XXXX XXXX, 2015, even though already reported fraudulent, and delivered via rerouting request to an address in Texas. Tracking information from UPS and XXXX confirms this. A report of this fraudulent activity has been submitted to the XXXX, NC police department. 
We are concerned with the lack of assistance from PayPal to investigate properly and help to identify the criminals involved. They have apparently decided it was not their responsibilty to assist to get these charges removed. I believe the PayPal response to our report falls into an area of non ethical or even dishonest business practice. 
XXXX has removed and charged back the charges and will further investigate the address of the recipient of the fraudulent merchandise order. 
We have cancelled this credit card and resolve not to deal with this company-bank any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Private student loan debt) with LENDMARK FINANCIAL SERVICES (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I called XXXX back in XXXX and ask them to put on file not to call my job. The debt owed to them will be paid through Debt Couseling service ie XXXX XXXX XXXX XXXX. Correspondence was sent to them via mail. Theses people are relentless they have called my job everyday disclosing personal information. They have recently just yesterday XXXX/XXXX/17 @ XXXX in the morning. Told the receptionist Give me the address we are get ready to garnish her wage They have also called my friends and family and pretended to be my bank representative. I couldve filled bankruptcy but I want to pay these people. They have also reported this to the credit bureaus to hurt my credit and to black ball me. I was told by XXXX XXXX relief not to talk with them after asking them not to call my job. I trust that this issue will be handled in the appropriate manner.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has violated the FCRA by failing to give me a fair investigation into my claims, failing to block the items specified on my affidavit, and failing to mail me proper investigation results into my claims that XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank are the results of fraud. XXXX XXXX XXXX has even admitted to willingly put a false address on my report as well as sending me documents stating that I owe no money yet they refuse to remove them from my report. XXXX XXXX XXXX is still allowed to be on my report after I sent Equifax a copy of an out of court settlement and XXXX has never produced the items bought on this credit, and I know XXXX can trace computers, XXXX of the most worked on computers by myself are XXXX that my customers have issues with. XXXX Bank has not completed their investigation and has yet to even tell me what was purchased at Reeds and I have even offered Equifax a picture of my ring yet Equifax still reports them. Equifax has not once completed a fair investigation, they just take everyone 's word and has never informed me that they think that this request was made in error or has accused me of lying to be able to keep reporting this information. I am attaching parts of the FCRA itself that Equifax has continually violated and what I will take them to court on. Equifax was warned and I will produce all these communications to a judge so he can see that I tried in good faith to get a fair investigation and get the fradulent accounts blocked as a result of fraud. I will also show that Equifax has violated the FCRA by refusing to block fradulent accounts as well as never giving on of the XXXX reasons allowed to refuse to block an account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: It shows I have had an adress in XXXX Washington and I have never lived there.

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 07/22/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Shopping for a loan or lease

Complaint: Roadlloans.com did a hard credit inquiry on my credit report, I did not give them permission.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 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: Credit inquiries on your report that you don't recognize

Complaint: Equifax as incorrect information on my credit report that they need to update

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: This is about a fraudulent ATM transaction in the amount of {$500.00}. This occurred on XX/XX/2018. I have previously contacted HSBC and the CFPB about this issue. The response I received from HSBC stated I need to contact their fraud department to get this resolved. Okay, so I contact them and after going through all the hurdles ( Im XXXX, have to use XXXX XXXX ), Im finally put in touch with XXXX I think his name was. He was rude and made it sound like I was a criminal. I said I was calling about my claim and all he said was Your claim is denied. Then finally he says I need to file a police report to get the claim approved. Okay, now they never told me that was required when I filed the initial claim. So I go to the police station to file a report and the officer tells me that its been a month since the fraud occurred and refused to file the report. Again, HSBC never told me a police report was required. The officer then tells me that its a civil matter anyway between HSBC and myself. Now, in the response from HSBC in regards to my first complaint to the CFPB, they said that my claim was denied because the card ending in XXXX was issued to me, the card was present during the transaction, and the PIN was used. Okay, thanks Mr . Obvious! Of course the card was issued to me. They just denied me by repeating exactly what Im complaining about!!!! As Ive explained to them umpteen times, the card is no longer in my possession. It was obviously lost/stolen. How they got the PIN number is anybodys guess. The fact remains, I DID NOT MAKE THIS TRANSACTION! I shouldnt have to jump through this many hoops to reclaim my stolen funds. Its obvious that HSBC is just trying to get out of honoring their zero liability policy. That policy is a joke. Ive never been treated so poorly by a bank, or any company for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: National Credit Adjusters or whatever name they claim to be now, leaves a voicemail. Im deaf so I read the transcript. They dont tell me what its about. From what Ive read online about these XXXX XXXX is that they contact you and anyone they think you know. A couple relatives have gotten strange phone calls and Im guessing its them. So, Im putting this in writing now ... 

It is NOT okay to contact me. It is NOT okay to contact anyone else about me. I dont even know what you think I owe you. Send me a letter if you have to, but DO NOT ever call me again!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (Other debt) with PMT Solutions, LLC. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I contacte d PMT solutions  as I was told I had an outstanding balance with them. The lady told me that maybe my case would affe ct my credit score and I told her that I felt like I had paid this account in full. She said no sir you have n't and asked my how much I was willing to pay right then there. I then asked why I was n't notified of these accounts until now ( 6 years later ). So I asked if there was a manager or supervisor I can speak to or was it a pay or pay situation and she said yes you have to pay. So my deal is that they waited all this time and the interest that accrued is just insane PMT solutio ns original amount {$520.00} to {$820.00} now. It 's not fair that they did n't contact me and now I supposedly way more then original amount and I do n't have receipts or anything it 's been so long.

Company response to consumer: Untimely response
Consumer complaint received 08/14/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (GA).
Issue: Closing on a mortgage

Complaint: My house is scheduled to be sold on X/XX/17 and since Wells Fargo has not properly administered the loan details I can not sell. The buyer wants a clear title and without one will not proceed with the purchase. Wells Fargo has been contacted to clear the title but has not yet done so. My loan was due to end in XXXX of 2017 so this issue would have cropped up at that point even without the sale of the house at this time.

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 07-06-2016 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Managing the loan or lease

Complaint: I purchased furniture at XXXX XXXX of XXXX, The terms of the agreement were 12 months same as cash. My finance agreement is through TOWER LOAN and is calculated differently. The interest has been added to the purchase before the finance agreement of 12 months with no interest has expired. This company also does not send out statements for the monthly payment due. I asked them about the statement and was told we do n't send statements- they only send out late reminders. Date of XXXX XXXX XXXX, 2016, I reported this to the furniture company XXXX XXXX, 2016 and I am now reporting this to you. This is unfair lending practices and needs to be investigated and prosecuted for taking advantage of the undeserved XXXX. TOWER LOAN is charging interest in advance and this is against the law.

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 04/22/2015 about Consumer Loan (Installment loan) with Omni Financial Group, Inc (MD).
Issue: Managing the loan or lease

Complaint: I have made my loan payment as agreed without fail. It has never been late and I still make the payment on time. But the company is reporting that I am over 180 days past due. I 've tried speaking with them but they do not seem interested in fixing the problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation