milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: National Credit Systems continues to re-report a debt after I have disputed it and won twice. The credit bureaus have deleted them from my credit, but this agency comes back and re reports it. They hold a debt from a Judgement. XXXX XXXX Court was unable to validate or substantiate the judgment as the file was incomplete and had inaccurate information. They have deleted this from XXXX and XXXX. If the court can not even validate this debt, certainly this collection agency can not either. So they should not be able to continue to report this on my credit and must delete it. I have asked verbally and in writing 3 times for them to send me what they have in order to validate this debt. They have yet to send me anything in the mail and when I call, they leave me on hold. At this time, while writing this, I have been waiting on hold to speak with someone fore XXXX36 mins and counting ... 
Please hold the agency accountable. They are unlawfully reporting to my credit and my next step is to sue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Consumer Loan (Vehicle loan) with MEI AUTO FINANCE INC (TX).
Issue: Problems when you are unable to pay

Complaint: This company does not use proper collecting practices when calling consumers, they never recite the disclosure statement when initial contact is made, the agents use threats of actions they can not legally carry out. Today XXXX/XXXX/XXXX an agent threatened my daughter whom has assumed payments on my common law husband XXXX Cadillac DTS. The agent told her that XXXX my vehicle a XXXX XXXX that was purchased at a later date and different owner account is connected and since she could n't make payment XXXX vehicles will be sent up for repossession. An agent by the name XXXX refused her partial payment stating she has to have the whole payment putting her further behind. These agents have made personal remarks insinuating having a personal relationship with my husband to my daughter. My husband even called today to ask for a 10 day payoff and again the said representative XXXX replied she would call him tomorrow with that information. A 10 day payoff should have been performed while my husband was on the line, there 's no way he should have to wait for that information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: URGENT - Sheriff Sale on XXXX XXXX, 2015Hi. Wells, Fargo Home Mortgage commits fraud. 
I was working on a loan modification and sent in all my paperwork on XXXX XXXX, 2015. 
I was just called two weeks ago and told that my modification was denied because my mortgage was over {$720000.00} ( they knew it was XXXX when I did my documentation XX/XX/XXXX XXXX. I called and then Wells, Fargo XXXX XXXX XXXX XXXX said I was denied because I did not send in a profit and loss on my real estate company. 
I do n't have a real estate company and never received a letter or call on it. 
Then, I was sent a letter saying I was denied because I did not respond to them. 
I did call!!! Now, I get a letter stating that I am under a sheriff sale and sorry " we have not heard from you and there is not enough time for mortgage assistance prior to the sale '' XXXX. This is a lie, they can postpone the sale any time they want to postpone it. 
I just got another letter saying that Wells, Fargo is investigating my last CFPB, and will get back to me XX/XX/XXXX - THIS IS THE DATE OF MY SHERIFF SALE!!!!! 
PLEASE HELP ME. I have written to the OCC, FDIC, FBI, Wells, Fargo Senior Mgt. as well. THIS IS FRAUD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (I do not know) with Meridian ARG Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I received a phone call this morning from  XXXX . I did not talk to her, but her voicemail stated that she was a "   XXXX   XXXX   '', although it seems irrelevant and I 'll explain why later. She needed me to contact her immediately so legal action would n't escalate any further. She did not say what it was about, what it was for, what the amount I allegedly owed was, who was the debt from, no details just threats.
A few minutes later, my girlfriend gets a call from  XXXX  for the same issues. This time it was an " Agent  XXXX  '' who called. This time she gave a case number as if this meant something.
After this, I went to  XXXX  because whenever I get a phone call from a number I do n't know, this is the first place I go.   XXXX   is a website filled with victims of phone scams and harassment from debt collectors. As it turns out, I 'm not the only one who got the call. It appears that "   XXXX   XXXX   '' or " Agent  XXXX  '' or whatever name she uses or whatever company she claims to be working with has been trying to scam people since  XXXX .
Any debt that I had was taken care of years ago. The only debt I have is with a credit card, and that 's current and being paid. This was not the first time that I went through this so I 'm fairly certain that this phone call is a scam ; a shakedown. If someone were threatening me to take me to court or whatever, I would receive it in the form of a letter or a summons which I never got.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Account opening, closing, or management

Complaint: I was once a customer of Wells Fargo. One day, someone deposited a fake check into my bank account. When that happened, Wells Fargo decided to close my account instead to finding out what happened or to explain to me why my account was closed. It has been few years since that happened and I went back to Wells Fargo to try to open up an account, but they told me that I could n't and contact you guys. The paper in which the teller printed out for me does n't have any explanation as to why I can not open another account with wells fargo. I would appreciate it if you guys could tell me the reason why I ca n't open another account with Wells Fargo and if I could open one up later. If there are some fees that I have to pay, I 'm more than willing to pay, I just want to know why I ca n't open an account, and if I can, how I would open one. 

Thank You.

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 07-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Commercial Trade, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection Agency is trying to collect money I do not owe, for a vehicle that was impounded. The vehicle was not mine nor registered to me. I have repeatedly told her this issue is not mine, it is my dad 's ( we have the same name. ) it has been disputed with the XXXX credit bureaus but she told me she will not remove it until it is paid. I repeatedly told her, it 's my dad 's, and she said she has documents with my social security number that links it to me. I have asked for the documents or proof, which have been denied. I 've been told to have my dad call them to pay the debt and then they will remove it. She will not release information as to how my social security was obtained, which I believe was obtained in an unethical manner through a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Back in   XX/XX/XXXX  m y student loans were through  XXXX   XXXX  before it got switch over to Navient. I called back in   XX/XX/XXXX  or  XX/XX/XXXX . I was having trouble making my monthly payments which was over 300 $ a month. I ca lled Navient customer service to get some help with my payments. At first they kept pushing me to put my student loans in forbearance or deferment. An I told them I do n't want to do that the interest on my loans keeps adding up on my loans an at this rate ill never pay them off. I was then transferred to another department which I tried doing income base an they told me that I did n't qualify for income base payments. I had no choice to  put 2 of my  loans in deferment an then had to extend out when my pay off would be so I could lower my payments. Right now as  of  XX/XX/XXXX  I pay   {$210.00} a month an that does n't include m y 2 other  loans that I need to pay on. Which the payment for those will be starting soon cause they could only give me a 12 month deferment. I just recently called Navient o n  XX/XX/XXXX  abo ut late fee 's on my account. I called customer service yet again an asked them about the late fee 's. I said I have 14 days to make my payment before the late fee 's are put in. My due date is t he  XX/XX/XXXX  an I have to the  XX/XX/XXXX  to make a payment. I had a late fee on my account on  XX/XX/XXXX  an goes back since I had m y loans which is now over  10years. I wa s put on hold for about 10 minutes when she came back on the phone an told me that there must of been a computer error. She informed me that sent a request into remove those late fee 's. Now I am keep checking my account to see if they have been taken off. I have had my student loans for over 10 years an I can not get any help on making payments, student loan forgiveness. They are very push on putting your loans in forbearance or putting them in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TMX Finance LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: title loan through titlemax XXXX tx. i have XXXX loans with them and have paid back more than i borrowed and still owe the amout i borrowed. i have been home with XXXX XXXX XXXX on medication that will not allow me to drive. they keep calling and i keep explaining i have very XXXX XXXX XXXX and cant drive. they told me after they added another XXXX XXXX dollars as a fee that i could have sent someone to pay it. they keep calling and harrasing me and im very sick. they dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called the agency to get a better understanding of the debt and instead of someone helping me I was transferred several times and spoke to XXXX different people. It seemed as though XXXX at ext XXXX was trying to help me but he needed to transfer me over to his supervisor named XXXX. I tried to receive information regarding to debt from XXXX and he was very rude, hard to talk to and he hung up in my face. The issue was not resolved so I attempted to call back and I advised that representative that their supervisor hungup in my face, the rep then stated that he did not care and he was very rude to me also ... so I ended the phone call. I also wanted to advise that I receive XXXX phone calls from this collection agency per day. They will leave a voicemail XXXX times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: FHA Loan established in XX/XX/2011. 

Monthly minimum payment has been made on time for the last 5+ years. 

I believe the minimum payment should have also had a section that detailed the payment required for MIP Loan to Value ration to have been met. 

I recently requested a review of my loan to have MIP removed, and because the LTV ration was not the required % I am not eligible. I 'll continue to have to make payments so rather than the 5 year minimum, I will likely be paying the full term of this XXXX add on to my payment. 

I feel that the design of the loan without the information of how I needed to increase payments to meet the LTV ratio was deceptive, and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: We were contacted by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX about unusual activity on " my '' accounts - I never created any accounts. We are now in the process of attempting to work through identity theft. In so doing, upon asking for our credit reports, we found many we NEVER requested or approved : XXXX XXXX XXXX XXXX Trying to contact such entities is 'difficult '. In the latter part of XX/XX/XXXX Credit cards were secured by whoever stole my identity and a balance transfer was in process for {$6200.00}. Thankfully, the security person at XXXX XXXX felt something was wrong and contacted me through my wife 's cell phone number. On XX/XX/XXXX a home loan mortgage was applied for, we do not know where. We found this out by a solicitor mailing us an offer of a loan, beginning with something like " you applied for a home mortgage on XX/XX/XXXX ... '' We do not know how to find out where this application was made. XXXX ( XXXX XXXX XXXX, XXXX ) is the solicitor, we are in the process of formally contacting them in an attempt to find out how they know about the mortgage application and who the application is with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: I am in the process of applying for a new mortgage. During the process, we discovered that Ditech applied my XXXX twice and then re-allocated the payment. The underwriter for the new mortgage is requiring a letter that explains what happened. 

I spoke with XXXX at Ditech yesterday. Initially, she told me it would take 10 days to receive a letter. Then, she said if I requested it via email it would take 30 days. 

I told her that neither of those options was acceptable. She told me that she couldn't do anything else. I insisted on speaking to a supervisor. XXXX came back on the line and said that the supervisor would prepare the letter and send it to me today via email. 

It is now XXXX and they have not sent the letter. 

This is delaying my mortgage application. I'm also concerned that they did not notify me back in XXXX when this error occurred.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Retrieval-Masters Creditors Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The AMCA ( American Medical Collection Agency ) are trying to collect a debt for {$960.00} that is not mine. The first letter I received from them was on XXXX, then XXXX on XXXX and this XXXX XXXX on XXXX and now dated XXXX on their letter. This last letter is written in a threatening tone. I responded on the same letters they sent me on XXXX, XXXX, XXXX and mailed the response the same day explaining in very courteous form that they billed me in error, the same on XXXX and now again on XXXX. The letter they sent on XXXX I faxed to my doctor as % his request. I explained on the other letters to AMCA the DEBT IS NOT mine and that I am XXXX and on food stamps as well. I HAVE XXXX. and these threatening in tone communications are exacerbating all my symptoms. They stated in this last letter that I had not disputed the debt ; a blatant lie on their end as I have responded in written form 3 times and I keep copies of everything!!! They have attempted this in the past as well with a much smaller debt. That ended in XX/XX/XXXX but went on for 2 years prior to that as well. Is this company is preying on me because I am XXXX??? Please help me as best you can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On  XXXX / XXXX /17 I called Wells Fargo regarding my credit card debt with them, which was for  XXXX  . I was told that if I settled and paid  XXXX  $ that I would get a " settled in full with a current balance of   XXXX   '' letter. So, I paid the  XXXX  . I now have a  XXXX  $ debt with them that showed up on my credit score. I am trying to get approved for a home loan and my score has now declined since this  XXXX  $ " debt '' has been re reported. I called Wells Fargo to discuss this and  XXXX , the manager, said that no matter what the issue, I still have a  XXXX  $ debt with them and it will never show on my score as a "   XXXX   balance ''. I have asked them to pull the phone conversation I had with them when I paid the settled amount because they specifically told me that I would have a current balance of  XXXX  with them. This is common sense, if you settle an account then no remaining balance should be owing. I am demanding that this issue be resolved and that Wells Fargo send me a  XXXX  balance letter. I have attached the letters Wells Fargo has sent me regarding the situation.

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 08/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Out of the addresses listed on my credit report, XXXX of them is erroneous, and presents an unfortunate street name that not only does not exist, but that seems to be the result of an incorrect recording of an address by someone other than me. The address in question appears slanderous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Credit accounts were open in my name between XX/XX/XXXXand XXXX. These accounts were capital one, XXXX, XXXX, XXXX,, anything on my credit report was fraudently open.. at the time I was only XXXX. My birthday is XXXX.. I never authorized this, so therefore it needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Credit card debt) with Altisource Portfolio Solutions, S.à r.l. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call ask my name then inform me I owe on a credit card, I explain I'm on social security and can't repay and I also explain I'm on direct deposit. Every time they call I tell them the same thing and the social security office has told me they should stop calling after telling them I'm on social security. To night they called after XXXX XXXX

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 09-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I have a mortgage with Nationstar Mortgage and use a company - XXXX XXXX to make bi-monthly to the mortgage company. This agreement was set per Nationstar 's instructions. Last year XXXX our of payments were incorrectly applied by Nationstar and resulted in a credit reporting of XXXX late payments for XXXX, XXXX and XX/XX/XXXX. My husband and I repeatedly tried to get this cleared up and were told it had been fixed every time. Recently I applied to be pre-qualified for a home loan and was told there were XXXX late payments on my credit report XX/XX/XXXX. It took a month of repeated phone calls and finally they generated a letter that stated they would fix the incorrect reporting. The letter was useless - it stated the dates were for XXXX - XX/XX/XXXX not XX/XX/XXXX XXXX Please note that it is barely XX/XX/XXXX we have n't gotten to XX/XX/XXXX XXXX In addition it turned out that Nationstar had reapplied the payments XX/XX/XXXX which resulted in overpayment. The company suspended and held on to those extra funds totaling over {$1000.00} until XX/XX/XXXX. According to Nationstar 's policy they are required to return any funds held in suspense after 90 days. It took my repeated nagging, unpleasant phone calls to get this sorted out ... .yet ... here I am again ... .on hold ... waiting ... for them to fix the problem they created over a year ago with a letter I can not use to clean up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hi There is a company trying to charge me {$13000.00} for an apartment lease that i was only in the apartment for 2 months the rent was {$1300.00} i had to break the lease and was paying the rent on past month as well as let them keep security deposit. They tried to make me pay an extra 2 months of rent and i was advised not to. They sent it to collections and charging me for the entire lease at XXXX and it went up over the past 2-3 years to XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation