milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Requested the details regarding the charge and no information has been received from these people ; yet the letters continue even though debts are no longer a part of my credit history. Illegal collection practices in play here. Former collections manager that is able to spot violations of FDCPA when he sees it. 

They are looking to collect on debt that was removed from the credit bureaus during the purchase of my home back in XXXX of 2015. The removal was due to the debts being deemed by the credit bureaus as " Too old to collect '' as the accounts are over 10 years old. They may be " debt buyers '' that are looking to utilize illegal collection tactics. The new collection agency tactics is to try an establish contact with proposed debtors in order to reactivate the debt and establish collection techniques all over again. I have asked them to substantiate the debt which they are unable to do but again the letters continue to arrive at my home ( harassment strategy ) even after dispute notice was faxed to them back on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Payday loan () with ACE CASH EXPRESS, INC. (CO).
Issue: Charged fees or interest I didn't expect

Complaint: I have paid this debt 2 times and sent several collection agency proof of paid but I still get letters every year.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (OH).
Issue: Application, originator, mortgage broker

Complaint: On or about XX/XX/2016 I called AAG about a reverse mortgage we went through the steps needed and the-the appraisal. On XX/XX/XXXX when we received the appraisal, a XXXX XXXX XXXX XXXX Processor we talked to and was told about things on my credit report ( In which I took care of. ) XXXX repair. And we told her about how the appraisal was not correct with the low appraisal. 1.we have XXXX bathrooms that it showed in the pictures he snapped, but he reported only XXXX bathrooms. none of the lower compared homes looked like mine ( mine sits on a lot and a half and have the new walkway from the driveway to the enclosed back sunroom, no walkway was there before. a drive way, sidewalk and new poured front door walk. ) XXXX new sheds.extra large rooms in my home. After I submitted the repair to XXXX,. on the XX/XX/2016, I heard nothing back from her. I emailed and called and no response.XXXX XXXX The loan office is also difficult to reach.So we contacted XXXX XXXX the complaint person. After he contacted them XXXX would return calls. The again no responses. Last week I called to see what was going on XXXX never responded, so we called XXXX and we were told they needed an explanation on the credit report late payments. ( If we had n't Called I would n't have known anything about it. ) Those things were either not mine or corrected by the Credit Bureau in which I submitted to the XXXX and nonresponding XXXX..I asked again about the appraisal being taken care of, ad XXXX told me that was XXXX department. No response from her so Friday XX/XX/XXXX we contacted XXXX XXXX again, and he told us we will here from him by the end of the day. We did not. XXXX called with an attitude mad because we contacted XXXX, He started taking up for XXXX asking us in a smart way She never contacted you back, you never heard back from her? we told him then and before that she never responds. I called back and asked for XXXX manager and a recording we received, and I told her how XXXX was acting an ask for an apology. XX/XX/2016 Nothing yet. So I called XXXX XXXX ( The people who handle the appraisals ) I spoke to XXXX and was informed that he had not received nor heard anything from XXXX XXXX XXXX about the appraisal not being correct, And they are the ones whos suppose to contact them about this, and he will email XXXX about this concern. So from XXXX When we received and told XXXX about this, it was never taken care of nor sent back for correction.

Company response to consumer: Closed
Consumer complaint received 11-12-2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received a call today ( XXXX @ XXXX ) from XXXX stating that I have a debt XXXX, I did n't immediately remember but I felt as if I paid it off already. Nonetheless the lady by the name of " XXXX XXXX '' with XXXX Law firm ( I could not find this anywhere online nor XXXX in XXXX AZ she gave me ) asked for credit card info today and if they did n't get it I was going to be sued and sent to court .Then when requested some type of " verification '' of debt, she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (WA).
Issue: Struggling to pay mortgage

Complaint: My mom died in 2015 and still owed on her mortgage. I tried several times over the last 2 years to get SPS to work with me so that we did not lose the house. My mom did not leave a will and we could not afford to go through probate and even though I had power of attorney when she was alive they refused to even speak to me about the home loan. I do not want to lose my moms house as this is the only tie we have left to her and we are willing to start making payments if the company would just speak to me about it. Im stressing because I do not know what to do and this company will not give me any information. I filled out the loan modification paperwork they asked me to and never heard back from them. We had a realtor contact them to see about purchasing the house because my brother was approved for a {$120000.00} home loan and they would n't speak to us or reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: B ank of america has said that they cancelled the repayment agreement because I was n't paying. Well here is a copy of one  of the recent payments of the {$740.00} that I have paid. And  Bank of America d id n't apply it to my balance or payments or recent transactions on my statement. It will be check number #  XXXX  for the amount of {$740.00} on   XXXX    . This is proof that I have been making the payments that was agreed on.

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX i sent a certified letter to Equifax asking them to verify my accounts according to fra rules section 609 ( a ) ( 1 ) ( a ) & 611 ( a ) ( 1 ) ( a ) and section 611 ( 5 ) ( a ) .On XX/XX/XXXX I sent a 2nd certified letter stating that this is my 2nd letter asking for documentation that my accounts have been verified still no letter of reply and the accounts remain on my credit report. Since I have sent these letters I am no longer able to get online on there accounts dispute webpage tells me my information dosent match what they have on file. I called them and asked them about my letters of verifacition they did yes they had received them. I asked where my proof of account verifacition was from them and they told me accounts were verified, but do n't provide me with proof that they have been according to the frca those account must be removed from my credit report because they can not provide proof of verifacition. I am trying to by a house and Equifax has cost me 60 days of not being able to by a house. I also must mention that I wrote the same certified letters to XXXX and XXXX and both CRA replied back with letters within the 30 day period and both of the CRA removed accounts that could not be verified so by law they did exactly what they were suppost to do.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I opened a Wells Fargo savings and checking account in XX/XX/XXXX in XXXX. I used the account for 5-6 years but then moved to a city ( XXXX ) where there were no longer any Wells locations. I stopped using the accounts for several years ( XX/XX/XXXX/XX/XX/XXXX time frame ) and had transferred all of my money to another bank. 

In XX/XX/XXXX, I used my XXXX account to pay for a hotel room. On accident, the XXXX account ( which apparently was still linked to Wells ) used the Wells checking account instead of my XXXX to complete the transaction. The charge ( {$560.00} ) hit the Wells account in XX/XX/XXXX. 

In XX/XX/XXXX, the Wells account auto-paid {$36.00} of it. In XX/XX/XXXX, that {$36.00} auto-payment was apparently reversed ( likely because there wasn't any money in the account ). In XX/XX/XXXX,  another {$17.00} was auto-paid. 

In late XX/XX/XXXX, Wells contacted me via phone and relayed that I owed {$620.00}, which was the balance of the account at that time. Up until that point, I wasn't aware that my wells account was still open and asked to close it. They told me to pay the balance and they would close it. I paid the {$620.00} on the phone and they sent me a confirmation email saying my account was closed. 

In XX/XX/XXXX, I was again contacted by Wells Fargo and they told me I owed {$37.00}. Apparently, when I closed my account in XX/XX/XXXX and paid off the balance at the time as required, there was still a {$17.00} auto-payment that had been made. In XX/XX/XXXX, this payment was reversed ( which would make sense given the account was officially closed ... ). Per Wells Fargo, this process of auto-payment and reversal continued throughout the summer accruing fees. I paid the {$37.00} they said I needed to and thought it was all finally settled Last month, I applied to get a mortgage for our first home. When they ran my credit score, it showed the Wells had charged me a series of delinquencies in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was never notified of any of this aside from the two times we connected via phone and I paid them. Now, my credit score ( which has no other delinquencies ) is being negatively impacted by these Wells ' rolling lates -- two of which seemed to have been triggered after they confirmed I closed the account. 

If there is anything you all can do to help rectify the situation, I would be greatly appreciative. This issue they've created are impacting whether or not we can get this house. Thanks very much

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After waiting on hold  for 45 minut es for a United States representative. I called up and told them that they reput inquiries on my report.  XXXX   ( will not give a last name or ID number ) put me hold again for 10 minutes when he looked up my inform ation. He asks now what 's the issue and I told him again that TransUnion reput inquiries on my report, and by law you have  to give five days notice. He then asks for the names/dates of the inquiries. He then said this glitch was from an outside credit reporting source. I tell him we both know that is not true. I want these inquiries removed now and I know my legal rights and then he hung up on the phone on me!

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 02/16/2017 about Bank account or service (Other bank product/service) with BBVA COMPASS FINANCIAL CORPORATION (AR).
Issue: Making/receiving payments, sending money

Complaint: I sent BBVA Compass Bank Auto Loan Department a Promissory Note, in accordance with the Uniform Commercial Code, as a Security Negotiable Instrument, Legal Tender by Law, to pay off the remaining amount that was left on our car loan, to receive our car title. The legal tender was sent over night express mail, and received by BBVA on XX/XX/XXXX, and signed for by XXXX XXXX. XXXX has not bothered to respond to the Promissory Note that I have sent them, which is asset for a Bank, and I specifically stated in a legal notice, that I sent them along with the Promissory Note ; that if they refuse my Promissory Note, to send it back with a written explanation as to why BBVA is exempt from Legislation. XXXX did not respond, nor apply my Legal Tender to pay off our debt, and they kept my Legal Tender, which is asset for them, that can easily be monetized by them. The UCC states, that if Legal Tender is refused, then their is discharge of the debt, and the Federal US court appeals ruled on Title 31 USC 5118 ; that the requirement to repay a debt in the form of coin or currency or legal tender is against Public Policy, since money, as in the Federal Reserve Notes that we use as money ; means a promise to pay, according to the Banking dictionary 4th addition ; and that a repayment for a debt only needs to be made in equivalent kind ; a Negotiable Instrument, which is a Promissory Note. As a Private Banker, in accordance with the Black 's Law Dictionary, I have a right to use a Promissory Note with the Banks to pay off a debt!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loan balance, has increased considerably over the last year, I was told would have a smaller monthly payment, that has not ever happened.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (I do not know) with Quality Loan Service Corporation (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Ceo of XXXX XXXX XXXX XXXX XXXX. You must prove you have a contract with me as trustee or collections, and any other transaction, which you ca n't. .XXXX. XXXX i have no account at your bank, and all other is private. XXXX is trying to steal through fraud deception of money I do n't owe them, and can not prove they lent me money, and statue of limitations to collect after bankruptcy XXXX, illegally along with two trustees acting in XXXX with armed forces police, sherrif, military mercenary or otherwise it a threat Commercially illegal instruments, that they have no rightful claim on or they would have done so. XXXX needs to prove who the Attorney is and XXXX XXXX, and Quality Loan Service and XXXX XXXX XXXX that did not even loan money but used my credit to go to the Fed window and use funds and lend back out with XXXX 9.99 % interest to 14 %. XXXX XXXX XXXX has not been in business since XXXX and I have no contract then with two signatures one with them and me on any paperwork nor their parent company XXXX XXXX. You all have arrest warrants issued and a defaulted bill. Principle to agent, agent to principle. Show your face who you are and XXXX XXXX and others such as XXXX XXXX has a defaulted bill in force. XXXX XXXX will be coming out for your XXXX. someone has forged my good name to the 1-4 rider documents and is a crime per California code 115 a. and no trespass as well. You are now Liable once again. You better have a chain of title if anyone steps foot on my land and you cant foreclose since my property has more than one address and service only one as well. hint you charters are being reviewed now. XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Problems when you are unable to pay

Complaint: I turned in my leased car to Mercedes Benz Financial XXXX XXXX, 2009 and it is still reporting on my XXXX despite my many attempts to explain to XXXX and Mercedes Benz that the statue of limitations has passed and to please remove it from my XXXX credit report. I feel like I have been treated poorly due to my economic hardship status.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2016, XXXX XXXX pulled my credit without my knowledge or consent. Despite several phone calls to the company, and many letters to XXXX XXXX and to Experian, this inquiry has not been removed from my credit report. I know it 's a small thing, but it looks as though I have been seeking additional credit lines, which I am not. 
I am appalled that a company like XXXX XXXX is allowed to pull consumers ' credit without a legitimate purpose. I have NEVER applied for an XXXX XXXX product, and they have no business pulling my credit and leaving an inquiry on my credit report. 
I really want this removed from my Experian Credit Report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (Credit card debt) with Van Ru Credit Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We contacted Van Ru Credit Corporation after receiving a letter about a XXXX XXXX debt. The letter was issued 4 days after my stepson received his driver 's license. We later received a similar letter from another Debt collector on behalf of XXXX. Except for the inconvenience of getting my stepson ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) to understand why these people insist on talking to him personally about this, it 's easy enough to get dismissed as the social security number they have on file does not match my stepson 's.
The representative at Van Ru advised that they themselves do not track down debtors or look up their addresses. He claimed that they get this from the creditor along with the case. In this case that was XXXX XXXX.
So this is how I am looking at it : XXXX XXXX and XXXX XXXX used exclusively the public availability of an address matching the name of one of their bad customers to assign the debt to that person and pass it to a debt collector. In the case of some foreign name, they enjoy the added benefit of many of them having the same name, many not speaking or understanding English well and most of them fearing any public exposure. Certainly, they might get lucky and find the right person, but in the process falsely accusing other people that happen to have the same name. More likely they rely on that most people will cough up the money even if not owed by them to avoid the things these letters are threatening with.
This is no different than a bank sponsored version of the IRS email/phone scam threatening people with jail etc. if they do n't pay. That scam is estimated to have netted the scammers more than $ 0.5B, so I can see why somebody in a bank thought it would be a good idea. But that does n't make it more acceptable. I hope that it, as in this case targeting minority rarely able to defend themselves, is a coincidence. If not, It just makes the whole thing more despicable This is banks conducting their own flavor of identity theft. I am not sure if this is protected against in FDCPA, as it is not the debt collector actually committing the questionable act - it is the bank acting on incomplete data. With the recent exposure of the business practices of a major bank of loading customers with unnecessary accounts, it is not hard to imagine banks also engaging in this form of scam.

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 02-06-2018 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: I have contacted Transunion on more than one occasion to dispute the validity of the reporting of XXXX XXXX XXXX  listed under my credit file. They continue to simply mark this reporting as verified. However, another bureau 's investigation revealed XXXX XXXX XXXX   is not reporting a valid debt as there is no signed and dated Notice of Assignment from the original creditor. I would like to know what Notice of Assignment Transunion has seen that no one else has received? I took it a step further and sent Transunion a second request for removal and attaching a copy of the deleted reporting from the other bureau and still the reporting remains. I have already filed against XXXX XXXX XXXX for this reporting violation. It is only fair that I file against Transunion as well, since I have reached out multiple times in the last six months for them verify the compliance and validation for this error reporting under my name. Since this is not a new issue, I am only waiting 15 days ( XX/XX/2018 ) before I file a complaint with my Georgia 's Attorney General Office against Transunion for violating my rights as a consumer who has asked on numerous occasion that this reporting be properly verified. Others have found no validity, yet Transunion continue to say is it verified.

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 Debt collection (I do not know) with Asset Recovery Solutions, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a call from company on XXXX immediately asked for written verification kept interrupting not wanting to send. Sent a certified letter that day XXXX requesting more info.and disputing. From XXXX until present day they keep calling. We talked to them on XXXX & they said they did n't receive the certified letter, receipt shows they received on XXXX. On XXXX I sent XXXX certified letter & tracking shows should be delivered on XXXX. I have copies of the letters disputing and requesting further written information and receipts to show it was certified. The rep did say she would cease contact but I do n't feel they should have contacted after XXXX until written information was received from them. They are calling work and home daily.

Company response to consumer: Closed