milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2016 about Student loan (Non-federal student loan) with LOAN TO LEARN (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had not made a payment since XX/XX/XXXX per all XXXX major Credit Reports. I filed for Chapter XXXX Bankruptcy on XXXX XXXX, XXXX and was discharged on XXXX XXXX, XXXX. The Loan to Learn private student loans were discharged in the bankruptcy ( Loan to Learn never brought an adversary proceeding ) and during the entire time I was in a bankruptcy stay, they kept reporting 120+ days late and attempted to inappropriately collect through law suits in Wisconsin Circuit Court. I have filed multiple disputes with credit agencies and Loan to Learn keeps verifying the debt and re-aging it. The date of first delinquency is XXXX XXXX according to all XXXX credit reports yet Loan to Learn has reset it to XX/XX/XXXX. I am approaching the 7 year exclusion period XX/XX/XXXX yet the debts wo n't be excluded from my report until XXXX XXXX because it was inappropriately re-aged. Also, this is a discharged in Chapter XXXX bankruptcy debt and does n't follow federal student loan guidelines because it is a private loan. I wa n't these XXXX trade lines excluded XX/XX/XXXX or sooner based on the original and correct date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: I recently notified my banking institution, Merrill Lynch, that my husband and I were traveling outside of the country and wanted to use our debit cards while traveling. The bank was courteous and notated the accounts of our impending travel. I was able to use my debit card while in XXXX and had a wonderful life-altering experience. Upon our return to the States, our accounts were frozen without any notice. We contacted the bank and were told a multitude of possible reasons by several representatives to include the following:1. I attempted to login to my account while XXXX2. My husband carried a negative {$17.00} balance on XXXX of his personal accounts that was not tied to my personal account3. Our accounts were XXXX XXXX Accounts and we were n't conducting any share purchases. 
Of note, we XXXX held our accounts with Merrill Lynch for over two years without issue. Ultimately, my issue is not the bank 's ability to terminate our banking relationship. My issue is that the bank has put a hold on my assets without any legal justification. I have been told by several Merrill Lynch Representatives that I can not access my funds until the Operations Team Lead, XXXX XXXX XXXX, lifts the hold on my account. In the interim, I have no access to my money. The hard-earned money that I got up and went to work for has been seized for more than forty-eight hours because a too big to fail financial institution arbitrarily decided to terminate our banking relationship. This situation has left me void of funds to file my taxes timely, pickup prescriptions XXXX and the like ; yet no one seems to feel this situation warrants immediate action. Additionally, any transactions that were due to hit my account will be returned. Again, no one sees an issue with this banking institution 's ability to bounce transactions in my name. Last I heard, XXXX XXXX XXXX 's name is not currently being dragged through the mud with a insufficient funds sign attached to it. I am utterly appalled and quite frankly disappointed that in this country, consumers can be treated in such a vile way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted XXXX to find out more details about a car loan that was originated in my name over 2 years ago. After being provided with the details of the loan I was able to recognize I did not authorize the account and able to identify the family member who was likely to have originated the loan because I know the car is in their possession, I just never knew the car I 'd seen them with was in my name. I alerted XXXX that the account was originated with fraudulent means and rather than remove the information from my credit reports, the company declined my offer of exchanging the vehicle 's location for the removal of negative information.

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 06/23/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On or around XX/XX/XXXX I sent a request for validation of a supposed debt to Portfolio Recovery Associates, LLC ( " Portfolio '' ) regarding a XXXX XXXX XXXX XXXX account with a supposed balance of {$3800.00}. I received three responses, datedXX/XX/XXXX, XXXX, and XX/XX/XXXX, all of which stated that I " had the right to request substantiation of this debt '' but containing no substantiation of the debt in response to my validation request. On or around XX/XX/XXXX, I sent a second request for validation and received two responses. On XX/XX/XXXX Portfolio sent a letter advising me that they had " already responded to a previous dispute substantially the same as you present dispute '' and would not be providing the requested validation. OnXX/XX/XXXX, the sent me a nearly identical letter to the first three, stating that I " have the right to request substantiation of the debt '' but without substantiation/validation as required by the Fair Credit Reporting Act. They continue to report this debt on my credit report despite not responding to my validation request as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (ME).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX we were contacted by GMAC and asked if we were willing to refinance our home mortgage. The mortgage offered by GMAC was a no-appraisal required, no-income verification loan. After research and finding that this was n't a scam and being in a declining financial situation we decided to do the refinance. This process began in XXXX XXXX and was dragged out until XXXX XXXX. We did not realize and were not offered a principal modification mortgage by GMAC. After having a business failure in XXXX XXXX we found ourselves in a situation where we were seeking help with our mortgage and realized that by taking 24 months to refinance our mortgage, and the shut-off date of XXXX XXXX, XXXX for a principal modification mortgage under XXXX had been denied principal modification loan assistance because of the 24 month time frame it took to refinance our mortgage. The only difference between our current mortgage and our previous mortgage is the date and the loan number have been changed. It appears that by dragging out for 24 months our loan refinance that it now allows XXXX, GMAC and XXXX to deny a loan modification. Having the ability to look back at this transaction it appears that numerous violations of predatory lending have denied our right to seek assistance under the XXXX program. We have again been denied assistance by Ocwen, who is acting as a debt collector for GMAC, and have not been able to discuss this situation with GMAC management. We deeply appreciate anything you can do to assist us and at this point it will make a difference of us losing our home.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with CIT BANK, NATIONAL ASSOCIATION (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Financial Freedom, a branch of XXXX XXXX, in XXXX, Texas paid the real estate taxes for the last part of XX/XX/XXXX and most of XX/XX/XXXX ... as is their right ... on our reverse mortgage. We got no notification that Financial Freedom had paid the real estate taxes until we got a call on XX/XX/XXXX, followed by a letter on XX/XX/XXXX demanding the {$4600.00} by the end of the month or the company would start foreclosure proceedings. I tried to make a repayment schedule, but the bank used the excuse that we spent about {$120.00} more than my wife and I received from SSI ... approximately {$1900.00} and my " XXXX '' retirement fund of {$110.00} per month. 
Although we offered to send Financial Freedom {$500.00} per month, our offer was refused out of hand. This seems to be a case of " get rid of the reverse mortgage completely '' or a predatory practice. We are still willing to repay them {$500.00} per month, and we told them so, again by phone, but they still refused. I don't know where Financial Freedom got its financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: We signed papers for a 30 year home equity line of credit, with a 10 year draw period which are interest only payments, then a 20 year repayment period with principle and interest payments. This Home Equity was signed with Wachovia ten years ago. We just found out our monthly payments are {$500.00} a month, not the principle and interest that we were told. So our home equity line will be paid off in 3 1/2 years, so my question is what happened to the 30 year home equity line? At the time of the signing of this paper work we were NOT told about the {$500.00} monthly minimum payment for the repayment period, we were told principle and interest and that it was for 20 year repayment term. When we found out about this we were beside ourselves, we would not have put us in this type of repayment position. Wachovia was not straight forward on this loan and did not explain to us the repayment of {$500.00} they told us just interest and principle only. Wells Fargo now owns the loan. When we found out about this issue we tried to fix it first by visiting our local branch which was no help whatsoever. The bank ended up calling corporate and handing me the phone to explain the loan that was giving to us. We were getting different answers from the customer service at Wells Fargo. We were told several times that we owe principle and interest payments on several occasions, then we were told that there is a {$500.00} minimum monthly payment for the repayment period. So, we tried to refinance an another home equity loan with a fixed principle and interest, only to find out that we were declined for a number of reasons. First because our home did not have the equity, which we highly disagree on and second, we owned our own various businesses for the last 13 years. Lastly, we were declined for having to much credit by owning our business. We also have a revolving business credit for our inventory. The underwriters never called to question anything or give us a chance to explain our current business model. The customer rep that called us to tell us we were declined transferred us over to the hardship department. On another note our credit scores are above XXXX, never missed any payments or had late payments on anything ever. We do not want to file for a hardship, first of all this is for late payments or missed payments and this is not true to us. This will show on our credit report as a hardship and lower our credit scores. Why should we be jeopardized? When the original loan was not explained to us properly and we tried to fix this with a refinancing of the original loan. We have not receive any help from Wells fargo, just phone transfers to the loan modification department. This must be resolved without loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have had the same issues with NAVIENT with my loan. The loan started at {$40000.00} and now it is over {$120000.00}. Every time I have tried to get some kind of repayment that I could afford I ended up with a forbearance. I then just last year tried to contact them to try to negotiate a one time payoff of my loan to pay off what I originally owed and a bit more to take care of this loan. took me over a month to track someone down to talk to then was told that the loan is actually owned by a foreign company and that they would never negotiate a buyout they would rather I not pay and let it keep growing. This is so sad that I want to payoff what I originally owed to take care of this but they are not wiling to do that. We need the government to step in and help us take of our student loans. I dont want a free ride I want to pay for what I originally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Wells Fargo ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send 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 12/29/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (MD).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: I had fraud occur in my account =to XXXX. I researched with the places where the fraud occurred and they informed me that a female made the purchase age being from about XXXX years old. Stated she purchased an XXXX XXXX x repeatedly. All in all I contacted the debit card company and they refuse to refund the charges back to my account. They say I need to work with the merchant. A case was filled and then closed not in my favor. Dates of dispute was XX/XX/2017 case opened case closed XX/XX/2017. Under regulation e Im not responsible for unauthorized use of my account except 50 .

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 05/22/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We received a letter addressed to my husband XXXX XXXX XXXX letter says XXXX XXXX XXXX XXXX, stating we owe a debt to capital one bank. We do not have an account with Capital one. The letter gave us a huge fright and now, believing it is not our debt, we want to ensure others do not get caught by this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I was denied a home mortgage loan for an invalid reason and even after the fact received a Truth-In-Lending Addendum document that has the terms and condition of the loan which took 6 months of my time and XXXX credit pulls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Conventional fixed mortgage) with PROVIDENT FUNDING ASSOCIATES (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter dated XXXX XXXX in the mail from Provident Funding on Tuesday XXXX XXXX. The letter stated that my mortgage payment had been received, but that it was being returned because it was not for the full payment amount and that if payment was not received by XXXX XXXX ( already in the past ) I would be charged a late fee. I immediately got on the website to try and make a payment, but the website would not allow me to make a payment. I tried to submit a request to be contacted, as it was after business hours, but the website would not allow me to submit the request. The website simply was not working. On XXXX XXXX I called the customer service line and was told the wait time would be 2 minutes. After being on hold for more than 18 minutes I received a live person. After a painful phone call and several more waiting periods we found that the website truly was not working and I could not make a payment online. Therefore the fee to make a payment over the phone was waived, but the late payment was not. Provident states they sent a notice of my payment change. While I understand this may be true, the fact is I never received the notice, nor was it showing online as I clearly pointed out to the customer service representative who was on the phone with me while I logged in and was unable to get access to anything. With my perfect pay history to date and the fact that I sent my payment on time ( less the apparent change in escrow given the XX/XX/XXXX escrow analysis ) I am shocked that Provident will not step up to their multiple issues and waive the late fee. Their poor process and failures include : returning a payment, poor customer service, non-functional website, untimely delivery of a late notice and possibly not sending and escrow analysis change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Other debt) with Results Unlimited, Inc. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I attempted to use my debit card to make a purchase and it was declined. At that time to my knowledge I still had funds in my bank account. I returned home and called my bank and was told that a lien in the amount of {$1800.00} was placed on my bank account. This was a huge surprise to me as I had no prior notification that this action was being made. After doing some investigating I found out a few new pieces of information. An apartment complex that I had lived in previously was trying to charge me and my girlfriend for miscellaneous things such as carpet replacement and cleaning service ( which we did not ask for ) prior to us moving out. These items totaling {$1400.00}. We tried on numerous occasions to get an explanation for these charges and were never contacted back. I had to get the invoice from the debt collector on the day I discovered the lien. I would have been more than happy to go to court and fight these charges or at least come to some sort of arrangement but neither myself nor my girlfriend received a summons to court. I looked online on the day the lien was placed and discovered our court date was XX/XX/XXXX. We were told that our summons were mailed to her grandmother 's address and taped to her door. Her grandmother never received anything taped to her door. I have spoken with the collection agency on 3 occasions and was met with impoliteness and large lack of empathy. I was given an offer on the day I discovered the lien to pay {$500.00} and they would remove the lien and set up a payment plan and they gave me 2 days to make a decision or the offer was no longer valid. They made this offer after seizing my bank account and all of my funds. The 2 occasions after in which I have spoken with them I have been told the lien will stay unless it is paid in full. I was never properly notified of a court date or a lien being placed on my bank account and I find this to be severely unfair. In fact, the collection agency sent only 2 documents in the mail, postmarked for XX/XX/XXXX, notifying me of the debt, but they seized my bank account on XX/XX/XXXX. As you will see in the images attached, a notice and delinquent notice were postmarked and sent on the same day but dated one day apart.

Company response to consumer: Closed with explanation