milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 about Vehicle loan or lease (Loan) with VW Credit (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Volkswagen Credit 's website avoids telling consumers what their actual balance is. The account details page has nothing about balance, the payoff quote page does n't give payoff quotes, just asks for bank account numbers. Nowhere on the site does it have anything about balance. There is a corner where you can download pdf files for offline viewing which so helpfully have PAST statements about two months old, though these focus entirely on the billing aspect, deemphasizing the remaining balance. 

However, since I 've made a couple large payments recently, it goes so far as discouraging further payments until two years from now. It suggests I do n't make another payment until 2019 XXXX, and makes a huge deal about how " nothing is due '', and " no payments necessary ''. 

In short, they want consumers to be uninformed about what they owe and let their balances sit and accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Debt collection (I do not know) with CREDIT BUREAU OF NAPA COUNTY, INC. (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to receive calls from Chase Receivables concerning a debt owed by someone that I do not know and who does not reside at my address or phone number. The debt call are for someone named XXXX XXXX. These calls have been occurring for over 3 years. 

I have repeatedly requested that my phone number be removed from XXXX XXXX 's database. but they continue to call seveal times every day and harass me about this unknown person. 

I want these call stopped. 

Chase Receivables mailing address is XXXX XXXX XXXX, CA XXXX XXXX XXXX The harassing phone calls originate from 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 02-12-2016 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Closing/Cancelling account

Complaint: I stopped using Paypal a while ago. I tried to shut down the account. I had not used the account for almost a year. Now, I am receiving notices that are inappropriate transactions on my paypal account. This has happened three times. I have been contacted by customer service and have asked them to close the account. I tried to use Paypal as a nonmember and they harvested my address data without permission and attached it to my old account. I badly want my account shut down. There is no current credit card attached to this account. I think Paypal might harvest my credit card data without permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PNC Bank N.A. (VA).
Issue: Confusing or misleading advertising or marketing

Complaint: This complaint is on XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I called PNC to speak to a representative specifically pertaining to XXXX XXXX and asked the rep to please tell me about the app that 's connected to the PNC mobile app. I also explained to the rep my reasoning behind wanting to know more information about XXXX. I told her that I was purchasing a product from a seller from XXXX a site where buyers can sell gently used items. I also expressed that I always use XXXX all the time and is XXXX similar where if for whatever reason I do n't receive the product or something goes wrong can I dispute the transaction. She stated yes and that I can cancel it anytime. Had she not confirmed XXXX was a secure way to send money similar to XXXX where you can file an appeal I would have never sent any money to this seller. The same day the transaction was completed I called PNC because the seller did not provide me the tracking information I requested. The 2nd representative gave me instructions for canceling the payment online and the option was unable. The 2nd rep I spoke to also stated that once it 's completed they ca n't do anything about it. However, the first initial rep I spoke to NEVER stated once a transaction is completed you ca n't cancel it or dispute it she stated the complete opposite. So at this point I 'm distraught because I specifically called in inquiring more information about this payment system connected to my PNC mobile app. I beg the rep to complete a dispute explaining I was rob of {$900.00} from a fraudulent vendor. I had the vendor name, number and PNC had the banking information it was transferred too. After several days of not receiving any notice or documentation about the case. I called PNC again to check the status. A representative informed me on the case its states resolve with recipient. I just lost it crying frantically asking to speak to a supervisor or someone who can help because I did n't get any notice about their decision so more time is being wasted and my {$900.00} is gone. The supervisor was just apologizing for the very first representative I spoke to who misadvised me to send money through XXXX XXXX stating I can appeal or cancel it. I requested the call to be pulled and that the case still be looked into and how can they not be able to track {$900.00} and do absolutely nothing about it. It was complete negligence on PNC in the way the handle it was not able to help out a customer in need at all due to false information provided by there representative. I just desperately want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Mortgage (Conventional home mortgage) with MORTGAGE FIRM, INC., THE (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The complaint relates to unsavory practices on behalf of the mortgage lender. The applicant only has social security benefits as declared income and it alone will not suffice. The processors have recommended that I make a " distribution '' for a period of 3 months only of {$2900.00} from my IRA to satisfy Federal Agencies Requirements. It appears fraudulent on it 's face and deceptive in its action. I can not morally do this.
A processor, in order to secure a document, asked that I log into my Bank account using her computer so she could use the URL to secure a deposit of mine made to my bank.
I have never been told that I have a mortgage commitment without contingencies, but one day ago I received an attorneys missive telling me about a closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On  XXXX   XXXX ,  XXXX  I receive d two snapshots o f my monthly statemen t. One advi sed that I owe {$160.00} by  XXXX / XXXX / XXXX  and the other statement advised that I owe {$0.00}. I called Navient because I continuously receive conflicting information. When I advised that representative that the statements are conflicting and that I was advised  by Navient through the CFPB that I am currently on an IBR with a $  XXXX  monthly payment he then advised that the {$160.00} were late charges. I advised the representati ve that I should not have accrued any late charges becau se Navient mi sapplied a payment back in  XXXX   XXXX  which resulted i n my credit score dro pping  XXXX  points. Navient reported to the credit bureau in error that I did not make a payment in  XXXX   XXXX  and had to research and attempt to fix m y credit score fr om  XXXX   XXXX  through  XXXX   XXXX .  Navient could not fix my credit score so they removed the tradeline and advised that my IBR is $   XXXX   monthly payment. Navient  was charging me a monthly payment and should not have been charging me based on my IBR.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: We contacted Wells Fargo when my wife lost her job and become XXXX, in the hopes of being proactive to any money problems. They refused to work with us unless we defaulted. We explained we wanted to do the right thing but they offered no help. We kept up mortgage payments as long as possible and decided when we knew we could n't continue, to call the bank and tell them we would sell the house. They asked us to fill out hardship documents which we did, we received many letters asking for more information or claiming we were being reviewed. Ultimately it ended with them offering no help. We continued to try to get them to work with us to no avail. They avoided our phone calls/never returned them. Never responded to emails. We tried many times to get a payoff amount for the house so we could put it up for sale. After no communication from our numerous calls, we went to a local branch and tried to get help with them. We were looking for a payoff amount so we could sell the house. In the end they told us the bank manager put the letter in the vault. The employees insisted they could n't get the papers, only the manager could ... after a few phone calls/days, it turns out there were no papers for us. We finally got the house up for sale, it was up for sale for 90+ days and was not selling so we tried to do a Short Sale or Deed in Lieu. They kept changing our contact at the bank and still ignored our calls and emails. It was n't until we contacted an outside agency for a Short Sale that they finally responded/reacted. We got an offer on the house for approx {$4000.00} short of asking price and went into contract. The bank denied the offer claiming the seller wanted sellers assist and they cant do that. Within a week, they lowered the sale price by approx {$10000.00}. ( so ... .why deny the high offer? ) No sooner than they denied the offer, we got papers that we are back in foreclosure and have received several legal/court documents. Our Short Sale representative has also tried to work with the bank to no avail. In addition when she requested a deed in lieu they said we were ineligible even though I have several letters from the bank with them suggesting that route. I have a documented timeline of calls and letters. This is such a short version of the events. We have tried so hard to work with them and do the right thing. They do n't want to know anything other than foreclosing, they make all other options impossible.

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 02-03-2017 about Debt collection (Credit card) with Army and Air Force Exchange Service (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This is for an AAFES credit card for a debt from 2008 in which they did a wage garnishment from my husbands XXXX XXXX pay for over {$10000.00}. Now they are saying we still owe {$25000.00} for interest that accrued during the time that the garnishment was being paid. I sent them a letter along with a copy of my husbands orders and a Powers of Attorney in XXXX stating that my husband is currently XXXX and falls under the XXXX as AAFES has now turned the debt over to a 3rd party debt collector called XXXX XXXX XXXX . I just a got a letter today called a Notice of Intent to Initiative Administrative Wage Garnishment Proceedings ... .threatening to garnish my husbands wages again! When will this end and how can they garnish a soldiers wages when he is 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 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In the Fall I had the following Hard Inquiries show up on my credit that did not occur : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Experian XXXX - XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Experian I contacted XXXX  and they said they would remove but never did ( might have been just their internal system ). Tried multiple times to contact XXXX  but could not reach anyone.

I need all 4 of these removed from my credit ( trying to refinance house this summer ). If I need to try and contact XXXX   and Experian separately please let me know.

Thanks, 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 02-01-2018 about Debt collection (Medical debt) with Midwest Recovery Systems (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To whom it may concern : I have three collection accounts on each of my credit bureaus from a collection agency named Midwest Recovery Systems the accounts are as follows : XXXX, XXXX   and XXXX : 1. Midwest Recovery Systems Date Opened : XX/XX/XXXX 2. Midwest Recovery Systems Date Opened : XX/XX/XXXX 3.Midwest Recovery Systems Date Opened : XX/XX/XXXX Please be advised that I am disputing these collections due the fact that ; Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Does not currently have a valid license in Florida to collect on  debts. This information is stating that their license is currently Revoked/Voided according to Florida Office of Financial Regulations XXXX XXXX XXXX XXXX XXXX, FL XXXX I am requesting that you investigate this matter and delete these accounts from all three of my major credit bureaus as per request to remove the above items from my credit report immediately or provide me with physical proof that XXXX XXXX XXXX are licensed to collect debts in Florida. 

Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Good afternoon, My family and I purchased a home using a VA Loan this past year and subsequently saved up and paid one month in advance in order to get on that organization 's " Budget Plan ''. The Budget Plan was explained to us as a way to divide the standard mortgage in half over XXXX paychecks instead of taking the larger whole sum out of XXXX paycheck. Now, four months later, we 're being charged XXXX half payments in our second paycheck of the month in spite of already having paid the first and second half-payments this month. This is n't due to any delinquency on our part. We 've been excellent customers, paying all listed fees in advance or via auto-pay. This is due to the way the Loan office has programmed the payments " every other Friday ''. So not only is the VA 's " Budget Plan '' a misnomer, and the intentions of the plan false. It also has the potential to put those contracted with the office, particularly XXXX XXXX military members like myself, into civil upset due to unexpected required payments that, if not met, could affect our military Clearance and if met could place us in financial distress. This is an unsatisfactory way to treat customers entrusting their pact with the bank.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra and hiippa violation sent police report please remove hippa and cra violation

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient/Dept of Ed/XXXX and others have all lost all my student loan documents as original instrument of debt in it 's original form, and have repeated told me this in writing many times. They also can not verify any of the interest they have been charging me on these loans from XXXX ( both XXXX and XXXX ) is even accurate, with the exception of one XXXX loan which was for {$4000.00}. The interest is now over {$280000.00} on these loans and I can not get any information about them, since the loans are now too old and they have lost all the original information. In addition, many of my XXXX Loans which are included in this consolidation have been in a lawsuit for fradulant activities. I have since received a settlement from the Massachusetts Attorney General 's office for fraudulent activities on my XXXX loans, but Navient/Dept of Ed or XXXX do not care that there were any fraudulent activities, nor do they care that they have lost all this original documentation, and refuse to give me any exact accounting of the interest they have since applied to this loans. They refuse to even consider that there is any error here. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with AFNI INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do n't know anything about the charges to my credit some one took out a mortgage in my name

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Anything due with ACCTS. Linked to address of XXXX Georgia us fraudulent, I never lived at or close to that address or town

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by Equifax, XXXXn, and XXXX. One is XXXX XXXX XXXX XXXX, and the other is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$4000.00}. This was due to them buying an account from XXXX XXXX ( Apartments ) who claimed that I owed this amount for breaking a lease. I explained to both, The Credit Bureau, and XXXX XXXX XXXX that I am a US Soldier, and I am called to deploy at anytime. In the Lease Agreement there is a military clause that exempts me from the lease if called on duty. I notified XXXX XXXX in writing before deploying that I would be leaving and reminded them of the clause that was in the lease. They seemed to be ok with me having to leave and never said anything to me about monies owed. It was n't until I returned from deployment that I began receiving phone calls from this XXXX XXXX XXXX, stating that I now owe Them the balance of {$4000.00}. I have never signed any contract with This company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (WA).
Issue: Trouble during payment process

Complaint: Went in to apply for a mortgage and when credit was pulled was told ditech reported home as paid off in XXXX, yet I am still receiving a monthly bill. Was advised to file a complaint with the cfpb. Have tried to contact ditech before about issues with how much was actually left on loan. Have been shuffled around on phone with no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Mortgage debt) with WELLS FARGO & COMPANY (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I had filed bankruptcy to stop a foreclosure and filed in RI as it was closer than Ma and I had a damaged shoulder and neck and could't get a ride to XXXX, the stay was not accepted due to many filings allegedly and after an emergency filing with the court and the court granting the stay the attorney XXXX XXXX of XXXX XXXX XXXX XXXX refused to take the sale date down or remove the sale date, in edition a person who owns the home with me filed bankruptcy and he will not recognize his stay either. He said he is foreclosing and that is final! The judge scheduled a hearing on my emergency motion and he showed up after dropping paperwork off to my house the night before he claims he served me and he did n't my hearing was for my filing not his motion to be relived from the stay. He also asked the judge to make a decision on people living in my home without their being there to answer for themselves. He crossed the line and taking this personally.I want my stay recognized for what it 's worth as the judge stated he ca n't set a date until my appeal process is over and he XXXX states he will leave it and when appeal is over and I loose he will take my house. The is bad behavior on this attorney 's part and I am not taking this any longer.XXXX also states he delivered the paperwork to me before XXXX XXXX on X/XX/2017 and he is not telling the truth it was n't till almost XXXX XXXX that the paperwork was delivered. Also he put the foreclosure in my common law husbands name and he filed bankruptcy and owns the house and XXXX XXXX states he does n't have to recognize the stay. He is playing god with peoples lives and may even want the property as I ca n't understand why he is taking a person stance in my foreclosure. My house is nice and a lot of people want it but I built it and put down 250 K plus on my home the pick a payment loan just got to be too much. I was in the middle of a work out option I also stated the 2nd mortgage was paid in full and their is no 3rd mtg and XXXX stated to the judge that he know it to be fact that I do have a 2nd and a 3rd mortgage and why try to stop the foreclosure when I owe so much, but I worked very hard to pay off both the 2nd work out a payment plan on the 3rd and when the bankruptcy goes thru the balance to be wiped out and it 's not much XXXX XXXX. He painted a picture that was n't true. I am a single mom with XXXX boys and XXXX babies that live in my home along with an XXXXyr old man and I want to fight for what is right.

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