milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have a spousal consolidation loan with my ex-husband. I do not receive statements. I do not receive correspondences. I do not receive phone calls. I can not create my own login or manage the account online. I have documentation going back several years to where I have attempted to resolve this problem with the customer advocate office to no avail. I am being held responsible for an account that I have no access to. I am completely dependent on my ex-husband for information on this account. There are other concerns as well. I have been forced on multiple occasions to take high-interest forbearances. I am also very concerned about how the fees and interest have accrued on the account. According to the limited information I have been able to obtain, the account has accrued over $ 317K of interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with TCF NATIONAL BANK (WI).
Issue: Struggling to pay mortgage

Complaint: I am currently unemployed as of  XXXX   XXXX ,  XXXX , and am working very hard to find employment, in fact I have several job interviews lined up for next week. I am a single mother of  XXXX  children,  XXXX  with   XXXX   XXXX   and we live in the lower of my duplex so that I have help with the mortgage payments.     I have my first mortgage wit h TCF Bank as well as a line of credit and 2nd mortgage. I have been working with the loss mitigation team with TCF t o refinance my first mortgage since last  XXXX  as this mortgage had a balloon payment due in  XXXX   XXXX .     I contacted a mortgage broker who put me in touch with a mortgage company,  XXXX   XXXX   XXXX , specifically  XXXX   XXXX .  XXXX   XXXX  has had previous experience dealing with TCF. At this time the automatic payments on my mortgages ceased, please note that previous to this point I NEVER missed a payment on any of the  three  mortgages for the years I had them.  XXXX   XXXX  contacted everyone she could at TCF and found that no one would accept my payments on the mortgages to make them current so that I could qualify for a new mortgage with her company.. I have emails from  XXXX   XXXX  as well as  XXXX   XXXX  at TCF.  XXXX   XXXX  was no longer able to help me at this point because she could never TCF to take my payments to make me current.     As of  XXXX  I began again with working with  TCF Loss Mitigation a nd  XXXX   XXXX . I sent all the information again including proof of payment in full of unpaid property taxes. I didnt hear from them at all until I received a call at the end of  XXXX . They were going to work with me until I told them I had lost my job. Also, at this time is when I was informed that I had never reaffirmed the first mortgage after my bankruptcy in  XXXX . I contacted the law firm that did my bankruptcy,  XXXX   XXXX   XXXX , and they said they never received the reaffirmation paperwork from  TCF. The attorney said that he would contact their attorney but hasnt heard from TCF. Why had t hey been accepting my monthly payments if I had not reaffirmed the original loan.     At this time, the beginning of  XXXX , I contacted  XXXX . I turned in all the paperwork and sent the paperwork to TCF.  XXXX   XXXX  from  TCF  loss mitigation admitted to receiving all the paperwork  XXXX  and I sent to TCF. Now I have received a foreclosure summons dated  XXXX   XXXX ,  XXXX . This is dual tracking. I need to be able to either refinance through  TCF  or be able to find another mortgage company. I do not want to lose my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit card () with PAYPAL HOLDINGS INC. (MN).
Issue: Other

Complaint: i paid a merchant the sum of XXXX dollars on XX/XX/2015.after receiving no services i called pay pal to help me resolve this problem.to my surprise i was told they could not help me, because of the time frame.they gave me a ticket number XXXX but told me in less than 48 hours i was out of luck.what could pay pal possibly have done to investigate my problem for services not rendered.i was totally misled on looking into it by pay pal.why do i have to pay for something i never received.i feel as though pay pal did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Debt collection (Federal student loan debt) with Action Financial Services, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I HAVE RECEIVED A GARNISHMENT AGAINST MY WAGES THAT DOES NOT BELONG TO ME. I HAVE ATTEMPTED TO OBTAIN A RELEASE FROM THE GARNISHMENT, BUT, THE COMPANY NAMED ON THE GARNISHMENT ( ACTION FINANCIAL SERVICES LLC ), WHEN CALLED, REFERRED ME TO ANOTHER COMPANY, XXXX XXXX LOCATED AT XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I HAVE BEEN UNABLE TO RESOLVE THE MATTER ON MY OWN, THEREFORE, PERHAPS I MAY OBTAIN ASSISTANCE FROM YOUR AGENCY. A COPY OF THE GARNISHMENT IS ATTACHED. 

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Over 60 days ago I disputed an account with Transunion that was not originated/established by me. I am a victim of Identity theft and TransUnion has a certified copy of my police report on file that was also taken under oath. 

That said, Transunion sent me a new report .... not a full report stating the account with XXXX XXXX XXXX Account Number XXXX had been deleted. I trusted them and assumed the account was removed. However, I recently pulled my credit and discovered the account is still on 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 non-monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I saw that XXXX was listed as a hard hit to my credit. however, I have a pre-paid phone service and that does not require a credit check. When I tried to go to Experian to dispute it, first I had to order a credit report. Their website said I could click " dispute '' but when I did, I was sent to the form to order another credit report. Their website gives intentionally misleading instructions in order to discourage disputes. The only other way to contact them online required me to upload a document but when I uploaded my copy of their credit report the website would not accept it. In the text of my complaint, I stated I felt it was criminal for them to profit from mining personal date from people and publishing false and/or potentially damaging reports about them without their permission. Then their website said I could lnot submit my report because the word " criminal '' was obscene. Their website is intentionally rigged against disputing the false items they publish for profit.

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 08/20/2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (NC).
Issue: Managing, opening, or closing account

Complaint: Netspend deactivated my card when I inadvertently went into overdraft because of an XXXX order that was billed in several different increments. They did not notify me at all that my card was deactivated, so after I made a deposit to put the balance over {$170.00} in the positive, I tried to use it at a gas station and it was declined. I check the ATM at the station and it said I had {$170.00} balance, but when I tried to withdraw money from the ATM it was declined. I tried again and it was declined. I logged onto the website and it said I had that much available, but it also charged me {$.00} for each of the XXXX times I checked my balance. At that time I received XXXX text messages at once from them stating my card had been deactivated and I needed to reactivate it online. I tried to do so, but it indicated that the card was " already activated. '' I called the customer service number and a very rude XXXX man, supposedly named " XXXX '' informed me he could NOT reactivate my card, he would have to send an email to the department who did that. I indicated I was XXXX miles away from home and needed to purchase gas to get home and the deactivated card was the only method I had of doing so. I told him I needed to talk to someone who could rectify the situation NOW and he offered for me to speak to his supervisor. After holding for more than XXXX minutes, my cellphone battery was dying, so I told " XXXX '' to have a supervisor call me on my daughter 's cellphone, and I gave him the number. I told him to also email the department who could fix the problem and I needed to know when it was fixed so I could actually drive home. This was at XXXX and I had XXXX of my children with me. It is now more than 12 hours later and I have not received any phone calls, text messages or emails regarding the status of my card. I called the customer service number again and held for more than 10 minutes without anyone coming to the phone to take my call. I am furious! I want access to MY money, which they are holding because I do n't have any way to get it out other than the card that is " deactivated ''. They send me texts for everything from deposits to withdrawals to advertisements. They could n't send me a text to let me know my card would not work, even though I had just deposited money onto it? This is poor business practice and when I called them it should have been corrected immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2017 about Mortgage (VA mortgage) with Dovenmuehle Mortgage, Inc. (FL).
Issue: Trouble during payment process

Complaint: Please read the attached documents outlining my concerns and response to  Dovenmuehuel  Mortgage. I have been put 30 days past due  in all  XXXX -credit bureaus and  XXXX  for a problem the   XXXX   XXXX   XXXX   XXXX  has owned up to and provided me with a letter to submit  to Dovenmuehuel.    Dovenmuehuel refuses to remove the derogatory information from my credit reports, and this has destroyed my credit worthiness and score respectively. After numerous conversations with Dovenmuehuel, I  have been told to live with it, because they do not have to change anything in my credit report because it is correct, regardless of the fact that another financial institution created the mistake.     I am in desperate need of assistance here. Thanks to  XXXX , with CFPB, she coached me on how to submit a complaint and work to get this matter turned around.      Dovenmuehuel has destroyed my perfect payment history with the credit bureau, along with my credit score. Because it is a VA mortgage and now shows 30 days past due one-time, I can not even refinance at a higher interest rate just to move my mortgage away from Dovenmuehuel. It is sad that the se high-powered institutions can destroy your credit and your life overnight, and laugh about it as it happens.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Billing statement

Complaint: Citizens Bank credit card statement shows the balance as of the day before but not actually the amount due. It does show the credit limit and the amount of credit available but not the amount due on the due date. 
The consumer feels compelled to pay the current balance shown. The charges shown are not the ones falling into the billing period. 
A few months ago I spent significant time trying to find the amount actually due and finally did but this period it is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: During an inquiry about buying a home the potential lender informed me that my FICO scores were not high enough because Debt Recovery Solutions recently opened a new collection dated XX/XX/XXXX for XXXX. I have NEVER received a single notification of this debt so I called them and asked them what it was for. I was informed that it was for XXXX during the periods of XX/XX/XXXX to XX/XX/XXXX. I asked him how to get rid of it and she started screaming at me that the only way to get rid of it was to pay it or they would sue me. This is the second time they are reporting it with different dates to different bureaus. They reported it inaccurately to XXXX as originating in XX/XX/XXXX and last activity was in XX/XX/XXXX. For that account and the new one they have not allowed me to validate the debt to inform that that it is way past the Statute of Limitations and that I did not agree with XXXX 10 years ago. They have re-aged the account to make it look like it just happened in the last 3 months and it dropped my scores.

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 06/28/2017 about Mortgage (VA mortgage) with Trinity Financial Services, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I am an XXXX military personnel and I bought this house sometime in XXXX at XXXX XXXX XXXX XXXX XXXX CA. But unfortunately, after closing our escrow about ( one week after ), I received an assignment to go to XXXX immediately with my family. We left and we did n't even have a chance to live on the property. I was in XXXX for 5 years and then got another assignment to go to XXXX which I stayed for another 5 years. When we came back, I thought that the house went on foreclosure as we abandoned the house for 10 years and did n't pay anymore. The only time I found out that it was still in my name is when I was trying to cosign with my brother in buying a house, this property pop out that it is still in our names. I immediately called XXXX XXXX and told us that they ca n't foreclose the property as I am an XXXX military personnel. So they suggested to do a short sale in which they approved it right away in less than a month. Now, there was a 2nd with Trinity Financial, in  which my agent was trying to talk to them and negotiate. The original balance is only {$74000.00} but because of the interest for 10 years it became {$130000.00} plus. So, XXXX XXXX offered them first for {$3000.00} but they did n't want to accept it and told my realtor that SHORT SALE Is not an option. We tried to communicate with them as to how much they are willing to accept as we already have a buyer that was approved for the loan already and ready to close, but they are insisting on getting the full amount of {$130000.00}. and didnt even want to come up with any amount except the full amount and told my agent that SHORT SALE IS not an option. My 1st Lienholder is not going to pay them the full amount as their taking a big loss of {$400000.00} based on the attached demand letter and the property value is {$290000.00} only. We tried to speak to them to tell us what amount are they willing to accept besides the full amount but did n't want to give us any respond except they send my realtor a denial letter saying SHORT SALE IS NOT AN OPTION. I did n't want and neither XXXX XXXX to foreclose this property considering that I have served and continously servicing our country for 21 years but Trinity Financial did n't want to cooperate to close this and be removed in my name. What can I do? I beg them and told them that it is not fair how they treated a Veteran trying to avoid foreclosure, when the 1st lienholder who is taking a big loss allowed and approved the short sale right away.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Student loan (Private student loan) with AES/PHEAA (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The  XXXX   XXXX   XXXX  has my name as consigned on a loan they sold the  Nationsl Collegiate Trust and it is now being serviced by American Education Services.  I have made aes aware that fraud took place and my name should not be attached to any loan. I did not sign for or agree to consign on the loan and I have spent the last 11 years arguing with them. They continue to delay and side track the entire time but do nothing to clear this up. I have filed a fraud packet  in 2006 but ae s sent it back because I could not name den aes.the. Responsible party. My credit has only  XXXX  negative mark and that is aes.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Money transfer, virtual currency, or money service (International money transfer) with WELLS FARGO & COMPANY (MD).
Issue: Unexpected or other fees

Complaint: I rejected the response fro m Wells Fargo  on  XXXX   XXXX   2017 to c omplaint #  XXXX  and WF closed the case before I could respond to their response. I would like CFPB to forward this rejection to WF for the original complaint To  XXXX   XXXX  at WF, I DO NOT once again accept your explanation and response of  XXXX   XXXX   2017. FINALL Y, you have provided the fee schedule that I have been asking for the last 6 months. It now confirms my long standing issue that in addition to the {$16.00} fee for an incoming international wire ( per the fee schedule but waived for me as a premier customer ) there was another {$30.00} deducted from my  XXXX  transactions each that is NOT in your fee structure and thus UNAUTHORIZED and UNACCOUNTED. You again claim ( like   XXXX     XXXX  and   XXXX   XXXX   from your department ) that I should contact the intermediary bank.  XXXX  IS THE INTERMEDIARY BANK. You three " Senior Correspondence Specialists '' might learn from your junior colleagues a t WF (  "  XXXX   XXXX , my Branch Manager at the  XXXX   XXXX   XXXX  and a person in the wire department that clearly understand that WF is the Intermediary Bank and owe me an explanation ). On top of that, the three of you do not want to call me to clarify and instead keep sending me long winded responses in irrelevant and inaccurate self -praise of customer service hoping to bury the real issue. You could call  XXXX   XXXX  to understand what I am asking for! But you do not want to do. So I have to believe there is a definite intentional effort not to respond to this issue of transparency by WF. You will not tire me out in pursuing this. I want to make sure this is not systematically happening at WF. With thousands of wire transfers thru WF per day, this charge could amount to millions of unauthorized collections from unsuspecting consumers. I am now going to contact main stream media watch dogs to pursue this further.  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 04/20/2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On  XXXX / XXXX /  XXXX   I filed a complaint with the CFPB in regards to this item/account being reported on my credit report. The case number is  XXXX . The collection agency  LVNV  replied stating that " we are unable to locate an account under the name of  XXXX   XXXX  with the information provided ''. All of the relevant information was provided. My first and last name, my mailing address, original dispute mailed to company as attachments, truncated account number (  XXXX  ) provided on credit report and full ssn number. As of  XXXX / XXXX /  XXXX   this item/account is still present on my credit file, last reported on  XXXX / XXXX /  XXXX   according to credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Credit decision / Underwriting

Complaint: I have submitted XXXX packets of information to Wells Fargo to help gain a loan modification back in XXXX XXXX.I have been working with XXXX XXXX XXXX and this was to be a two week process and it is now 5 months. Wells has continually asked for the same information XXXX times and there has never been a resolution.

Company response to consumer: Closed with explanation