milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2016 about Debt collection (I do not know) with Solidus Group LLC. (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Getting calls from a company that calls themselves XXXX, does n't stand for anything. Looking for my whereabouts on an automated voicemail. Returned call, and they said that they were going to sue me for bank fraud, and have been looking for me since 2013. Never took out any loan at that time, as they told me that my bank account had insufficient funds to pay back. At first told me they were collecting, and as soon as I told them not to call and send something in writing, they rebuked, saying they never said they were in collections, they were just a " mediator ''. They had mine and my wife 's info, which is unsettling, also. They 've called previously, and I 've told them not to call, and to put it in writing, they ignore and continue to call. The number they give is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MO).
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 is frivolously reporting information on my credit report I appealed the original debt as XXXX made numerous errors. 

1. I was a XXXX XXXX XXXX and their counselor failed to add me as a XXXX XXXX XXXX therefore messing up my student loans and grants 2. I filed an appeal and was advised by XXXX Bursars office I could attend the hearing in person to show evidence and dispute this debt however was not permitted to do so therefore had NO due notice and violated my constitutional right to defend my case in person 3. XXXX is being investigated for Falsifying information on my student loan application 4. This debt is the fault of XXXX and not mine due to their errors and a lawsuit may be filed in XXXX County Mo asking this debt be dissolved This collection was on my report before and taken off by credit agency therefore pursuant to the FCRA needs deleted indefinitely

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 09/18/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing a complaint against PennyMac Services LLC for threatening and harassing tactics, they have been servicing my Mortgage loan for the past two years. On XXXX XXXX, 2016 I received a certified letter stating that if I do not make my XXXX payment and late charges of {$1000.00} they will begin legal action to start foreclosure proceeding. My XXXX payment was received in their office on XXXX XXXX. My mortgage payment is current and due XXXX. I had this mortgage for XXXX XXXX years with XXXX XXXX year left before its paid In full. I called them to see why I am receiving threatening letters. XXXX of the representative said that I need to apply for a loan modification in order to stop foreclosure. I asked her what sense the it make for me to modify my loan when I only have 3 years left with a payoff of $ XXXX. I was told this would be the only way they can work me is to pay off the late charges and to a loan modification. This is a complete violation of UDAAP law. Intimidation and threats to take my home. Again I been living in the premises for 26 years and never had a problem with making any of my payments. The late charges that I have on the loan stems over a period of 20 years. Due to paying after the due date but never 30 days. I would like the CFPB organization to investigate this thoroughly. This has cause me a great deal of stress. As a matter a fact I received a letter on XXXX XXXX saying they will foreclose on my property all because of late charges and trying to pressure me into extended my mortgagg.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: I have attempted to get the information owed to me by law by account control bureau. I have asked them multiple times, to prove this debt is valid, Ive also asked for the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. I have contacted the company with no response, I have made a cfpb complaint, with no response, and made a better business bureau complaint, and they responded, but when given the information they requested, did not respond with the information required of them by law. I have also disputed with the main credit bureaus, who have stated it meets fcra  requirements. They are breaking the law ( Fair Debt Collection Practices Act, 15 USB 1692g Sec. 809 ( b ) ) I am enclosing a copy of the BBB complaint ( BBB CASE # :  XXXX  ),  a copy of the original cfpb complaint. (  XXXX  ). Please also see complaint s (   XXXX ,  XXXX ,  XXXX  ) That was sent to the credit bureaus in regards to their dispute practices.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NM).
Issue: Managing the loan or lease

Complaint: I work for XXXX XXXX XXXX, AZ but lived in XXXX, AZ. We were Furloughed in XX/XX/XXXX and lost wages as a result. Fell behind on a lot of bills, including one for Santander. I tried, but it seemed that the payments never made a dent in the loan to include the late payments. It got so bad that that they threatened to take away the vehicle, a XXXX Ford Ranger. So I voluntarily surrendered the vehicle. I was at work when my wife called to report Santander picked up the vehicle. That day was XXXX XXXX, XXXX. I later learned, from my XXXX XXXX, that a claim was made against the vehicle. I explained to XXXX that the vehicle was surrendered back to the Lender and the conversation ended there. Upon renewing my Insurance with Progressive XXXX XXXX, XXXX, XXXX reported that their quoted rate of {$560.00} has changed to {$700.00} plus dollars because of a No-Fault Accident that I was involved on XXXX/XXXX/XXXX. This is impossible as I was at work at the time of the questioned incident. I paid the difference for the insurance. XXXX gave me a toll-free number, XXXX, so that I can dispute the accident and get a report of the details. I have been unsuccessful. After 40 seconds of instructions about this XXXX service the call ends apologizing for services being unavailable at this time and to call again. I have tried twice and am very frustrated. I recently received a letter from a Law Firm representing Santander ( Ref. XXXX ) to collect {$15.00}, XXXX. I refuted that charge as I refuted Santander 's settlement for me to pay {$6000.00} several months ago when they stated {$12.00} ( approx. ) was outstanding after the sale of the vehicle. This seems highly suspicious. Not sure what 's the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (I do not know) with Alliance Collection Service (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get calls from Alliance several times per day every day, I have no idea which debt they 're trying to collect on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: These company 's make it to difficult to obtain a credit report with the questions they ask

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2017 about Debt collection (Credit card) with Ashton & Weinberg, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: So I had a line credit that I defaulted on the payments, so I made a payment arragement which I did pay for a while and again I defaulted on that due to financial issues .... 

So the original creditor gave the account to a debt collector that has been calling me harrasing me itimidating me and torturing me mentally and emotionally ... 

He has threated me of taking me to jail and has accused me of fraud and that I am a criminal. 

He also told me that he had recorded me on the 1st conservation that we had which I did not consent to nor was I aware that I was being recorded. 

Also, he pulled ny credit report with out any written consent or authorization. 

XXXX XXXX Ashton & Weinberg , Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX That is the debt collector information

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX/XXXX/2015 I am due a refund of {$1000.00} from Wells Fargo Home Mortgage for a mortgage payment made in XXXX, 2015 but held in escrow ; it was never applied to principal and interest, or property tax, or property insurance, and should be refunded to me promptly. 
IMPORTANT NOTE : CONTRARY TO ANY OTHER CLAIM BY WELLS FARGO, I AM ALWAYS AVAILABLE AND EASY TO CONTACT. I RETURN PHONE CALLS PROMPTLY, AND I REQUEST NOTES BE WRITTEN IN MY WELLS FARGO FILE SO ANY REPRESENTATIVE CAN READ THEM TO ME IF THE ORIGINAL CALLER IS NOT AVAILABLE WHEN I CALL BACK. 
I sent a mortgage payment of {$1000.00} to Wells Fargo Home Mortgage on XXXX XXXX, 2015. The check was received but held in suspension. In XX/XX/XXXX, instead of being applied to principal and interest, this {$1000.00} was applied to an " advance escrow '' account. There was no reason for putting my mortgage payment into an escrow account. In all the time I had my loan, I never used an escrow account, because I always paid my property tax and property insurance directly. EVERY TIME I sent a payment, I provided information so Wells Fargo could verify that my insurance payments and property tax payments were made in full and on time. 

On XXXX XXXX, 2015, Wells Fargo sold my house at a foreclosure auction. ( See Wells Fargo 's response to my XXXX XXXX, 2015 complaint, Case # XXXX, for verification of XXXX XXXX sale date. ) At that time, as usual, all my property tax and insurance payments were up to date. 
-- & gt ; Any debt I owed to Wells Fargo was immediately cancelled on XXXX XXXX by the foreclosure sale. 
Wells Fargo informed me by letter and phone call from WFHM executive XXXX XXXX on XXXX XXXX, 2015, that they have decided not to reverse this foreclosure sale. 
A month has passed ( today is XXXX XXXX, 2015 ), quite long enough for final accounting, yet this {$1000.00} has not yet been refunded to me. It can not simply go missing ; it must be refunded promptly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had my XXXX student loans through XXXX XXXX, which turned over to Navient. I took out roughly {$35000.00} back in the mid XXXX for school tuition. When I graduated, I was not able to start payments, so the only option I was given was forbearance ( i.e., interest continued to accrue during this time that I put my payments on hold ). I also was told that I could only consolidate for a lower interest rate one time, which I had already done, so my interest rate has always remained the same, even with offers to others for lower rates. I have paid consistently on this loan since XX/XX/XXXX, have paid back my original {$35000.00}, and I still have {$38000.00} to pay due to the interest. No one has been able to help me with this. I read an article about the class action law suit towards Navient/XXXX and was wondering if I qualified for the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (Medical) with Debt Recovery Solutions of Ohio, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Debt Recovery Solutions Of XXXX ( DRS ) did not notify me of a collection against my XXXX and reported the claim on my credit for {$470.00}. We were legally separated when she received medical services and our court orders specify that she is to pay her own XXXX above what insurance covers. I disputed the claim on my credit report and contacted DRS today, they will not remove the file stating I am responsible for her XXXX since we were still XXXX at the time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Mortgage (Other mortgage) with Innovis (VA).
Issue: Application, originator, mortgage broker

Complaint: XXXXXXXX XXXX XXXX XXXX VA XXXXI never authorized ANYONE to access my credit on my behalf and I NEVER APPLIED FOR CREDIT WITH ANYONE, AND I DO N'T HAVE A MORTGAGE LOAN of ANY KIND. 

I wrote letters to all the credit the BUEARUS IF YOU CAN CALL THEM A BUEARU??? and all they do is ignore me and say VERIFIED.I ask them to show me the proof, a request for a loan and signature from anyone any agency and all I get is nothing no reply you are the only XXXX to reply with this lame XXXX letter to contact to contact XXXX XXXX and XXXX XXXX. I will send them a copy of this letter and your letter to remove the UNAUTHERIZED INQUIRES. 

XXXX XXXXSS # XXXXPhone XXXXReason for dispute is your gave access to my credit without my permission and I demand the unauthorized inquires be REMOVED!!!!!!! 
.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was told I 'd be sent a credit balance refund for over 3 thousand dollars from XXXX. After letting them know I never received this, I received a call today alerting me that the check was cashed and because it was cashed there was nothing further they can do. XXXX was in possession of documents that I was a victim in identity theft cases and failed to properly handle this. Not only will they not reissue the check, they 're showing my balance positive for just under {$700.00} and marking me late on my credit bureau. 


I want the proper refund minus my current account balance and for my credit bureau to be properly adjusted and to never have to deal with XXXX again. Their business tactics have been disgusting and appalling XXXX is taking what I deem to be illegal methods by completely ignoring that an active fraud case was pending while this took place. I sent bank statements in a timely manner to the office of the president and they ignored my query

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have put in XXXX disbute requests with Midland Credit Management a number of times and have not heard anything from them. The credit card they are trying to collect debt from, is from imagine mastercard in which I never applied for. My mother, whom I was living with at the time, put a number of credit card account and other accounts in my name using her contact information. I have been fighting this battle for a while now, I have had luck from XXXX other companies and they have removed the debt. This company has made no attempt to provide me any information. The original Credit Card company, XXXX XXXX, has also been considered, a closed down company due to fraud themselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Using a debit or ATM card

Complaint: This is my XXXX day ... Went to TD Bank on XXXX and XXXX XXXX pa.. Walking in to try to speak with customer service. Mind you just to get a replacement card now as we speak I 've been here for 1hr and half.. Still have n't been seen they have multiple tellers but XXXX customer service rep and she acts like she does n't want to even be here. I do n't understand I 've been to a few of your branches pa, ny but this XXXX is XXXX of the worst I 've ever been to.. XXXX to say the fact I need my card to get my money but another day I will go with out XXXX or I will have to go out my way to go to another brand .. XXXXpeople just walked out and yesterday was the same I thought if u come early maybe it would be different well it 's not .. Someone needs to come really see the mess Thts here : /. Because it 's a lot of people in need of a job if they do n't want to work ..

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Avant Credit Corporation (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was approved for an installment loan in the amount of {$3000.00} back inXX/XX/XXXX ; after losing my Job in XX/XX/XXXX and unable to continue my monthly amounts, I stopped making payments. 
In XX/XX/XXXX, after doing temporary work for the next 2 years at a lower salary, I renegotiated a lower amount of {$120.00}, but was unable to continue due to unemployment thru XX/XX/XXXX. 
In XX/XX/XXXX, after finding a full time permanent position, I contacted AVANT, AGAIN and renegotiated another payment arrangement of {$140.00} for 8 months as a settlement amount of {$1000.00} to finally settle and pay this loan. I was making my monthly payments as scheduled until back in XX/XX/XXXX, I received a notice from AVANT stating the agreement was null and void, I has missed making one payment iby the due in XX/XX/XXXX ; I had emailed Avant to let them know this payment would be late. I made the XX/XX/XXXX payment up in late XXXX by making two payments in XXXX XXXX. The loan was due to be settled as of XXXX XXXX, my credit report updated and loan settled as paid. I was like WOW, I was so close to having this thing done and paid, when they pulled this and my credit file was to be update SETTLED and PAID!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Maury Cobb, Attorney at Law, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Received letter from Maury Cobb Attorney At Law LLC- trying to collect a debt. That is not our debt, called them to let them know that the person to which debt belongs to does not live here nor has never lived here. They did not let me explain this and they hung up the phone on me, I tried to call them again to explain and was hung up on again. The Letter is addressed to XXXX XXXX which is my husband 's name XXXX XXXX but he is XXXX, the debt is for XXXX XXXX XXXX. When we first received a letter from XXXX to whom the debt is with. We called them to inform them that the Debt was for XXXX XXXX XXXX, who has never lived at this address, to please correct there records. Please Help me with this matter for obviously the staff at the Law Office was very rude and did n't let me explain this. I did n't want to speak about the debt for this is not our business, just to let them know that this person does not live here and has never lived here, They need to stop sending this letters to my home. I received the letter on XXXX/XXXX/2016 and called them this same day. If you would like I can e-mail or fax the letter to you. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation