milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2015 about Consumer Loan (Installment loan) with Harvard Collections, LLC (CA).
Issue: Shopping for a loan or lease

Complaint: on XXXX/XXXX/2015 i settled a debt with Harvard Collection who acted on behalf of XXXX XXXX XXXX. A negotiated amount to settle the debt in full was {$620.00} which was paid. Payment cleared my bank account within 3 business days. At that point the representative, XXXX promised a letter in the mail within 2 weeks showing the balance has been settled and credit reporting within 30-45 business days. As of today, i have not received a letter or this payment has not reflected my credit score. My credit report still shows a balance due on this account which was reported in XXXX 2015. XXXX is falsely billing me and when i settled the debt with Harvard Collection as payment in full. This is affecting me from purchasing a home and after numerous calls to Harvard i am being asked to file a consumer complaint. No one seems to take responsibility of the actions and its not only affecting me financially but emotionally also. It is hidious how companies can abuse consumers in such a manner. Due to divorce i had to let the account lapse but did step up to my responsibility and paid the debt that was settled between Harvard and I. If debt settlement is just a sceme to scam consumers, please let me know so i know in the future to deal with the issues in hand then try to do the right thing. 
I want a letter showing my debt is settled in full and this to be reported to the credit agency so it can reflect my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02/25/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices by denying XXXX a loan modification for which they qualify for and not serving in the best interest of their Loan Investor and denying the Homeowner a fair opportunity to keep their home.

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 12-07-2017 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, 2017 I sent a certified letter to have an alleged debt validated. Company failed to respond and validate the alleged debt, but still continue to report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: The reason for my complaint is because bank of america has chosen to close my checking accounts with them which is fine cause in the agreement they are allowed to close the account and i understand that part of the contract. They have garnished monies from my checking account which led the account to be overdrawn due to the automatic payments that have been set up. I need all NSF fees to be credited to the account and I also received a letter from them that they might report the account to XXXX XXXX or XXXX XXXX. I have done nothing fraudulent or mishandled my accounts in any way in the 3 years that I have banked with them. I need to make sure my accounts are closed in good standing and that no negative information to be reported to XXXX XXXX XXXX and XXXX XXXX and also let me know what the final amounts owed in the account cause i have no access to the account online and have no idea what they have done with the accounts.

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 monetary relief
Consumer complaint received 03-12-2016 about Prepaid card (General purpose card) with Travelex NY, Inc. (OR).
Issue: Managing, opening, or closing account

Complaint: This is a pre-paid Travelex Mastercard which was issued as a travel card to provide XXXX while I was traveling. 

Card Number : XXXX There is an outstanding pre-paid balance on the card of {$400.00}, but when I asked the bank to close the account, and refund the balance, I was told by a representative of the bank that they no longer honor these cards. The expiration date on the card is XX/XX/XXXX. 

Two months ago, I spent about an hour on the phone with a representative of the bank ( " XXXX '' - employee number XXXX ) at the ( XXXX ) number XXXX. Initially she told me that she could talk to the bank, but that she was sure they would not refund the balance. After much discussion she who told me that a " XXXX '' would generate an email to me concerning the refund. 

I have had no contact from the bank since that call. I am asking that you contact the bank and determine why they are not honoring this card, or the outstanding balance owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX. sent me a " settlement offer '' for a debt that I had never received a bill for. Since I was attempting to get financed for a mortgage I accepted the settlement rather than disputing ( in hopes to keep the debt off my credit report ) and sent a check for {$210.00} ( the settlement amount ) on XX/XX/XXXX. The check cleared my bank on XX/XX/XXXX.The back of my check had a stamp stating " For deposit only : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pendrick Capital ''. On or about XX/XX/XXXX, I received another " settlement offer '' from XXXX XXXX XXXX XXXX XXXX. This one was for $ {$140.00}. Assuming this must have been a mistake as the account had already been paid in full and I had the cleared check as proof, I took no further action at that time. In XX/XX/XXXX, I saw that the account showed up on my credit report marked as collections and unpaid. I disputed this 2 of the 3 credit  agencies. XXXX removed the account. XXXX validated the debt. At the end of XX/XX/XXXX, I received a " verification letter '' regarding my debt due to XXXX validating it. This letter also requested me to " remit payment immediately ''. On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX. regarding this and spoke to a XXXX XXXX. This man told me I never paid him. I explained to him that I had proof of payment. He asked me who I wrote the check to. I told him I wrote the check to the Company listed on the settlement offer that I received from XXXX XXXX XXXX, which was " XXXX XXXX XXXX ''. He said " well that 's the problem, you did n't pay us so we do n't have a record of payment, you can either pay us or prove you paid Pendrick '' The  check that I sent for payment was mailed directly to XXXX XXXX XXXX using the address and information that was on the settlement offer. The back of my check is stamped by XXXX XXXX XXXX. This man repeatedly told me that I was lying and that they received no such payment and that they were not affiliated with XXXX XXXX The first settlement offer and the second settlement offer equal the total debt due ( XXXX XXXX XXXX ) It is my belief that they were attempting to scam me to get all the money. The settlement offers are both very different formats with the first one referring to XXXX XXXX  as Debt Recovery Solution 's client and a full back page of a privacy statement regarding XXXX XXXX. The second settlement offer has XXXX XXXX listed on the front and refers to the offer as a " sale '' but offers no information regarding XXXX XXXX.
To date, They have not removed or corrected the collection information. They are falsely reporting me as an unpaid account every month to the credit agencies and they are still trying to collect money that was already paid. I have both settlement letters, the front and back of my check proving payment, the supposed debt validation, and the letter I faxed in an attempt to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit card () with Phillips & Cohen Associates, Ltd. (GA).
Issue: Delinquent account

Complaint: Phillips & Cohen Associates , Ltd / XXXX XXXX XXXX has consistently reported erroneous Acct. # XXXX for the amount of {$860.00} on my credit profile for a credit card debt I do not owe. They must delete it from my credit profile with deliberate speed. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A medical collection was added to my account on XXXX, XXXX. I paid it in full on XXXX, XXXX. Per the terms of the agreement for the XXXX XXXX XXXX XXXX, this medical collection should be removed since it was paid in full. It should also have been pulled from my credit report as it shows that the account with the original creditor - a hospital - was opened on XXXX, XXXX, with the collection being reported 90 days later. This eclipses the 180 day waiting period required before entering any collection information on the credit report - per the XXXX XXXX XXXX XXXX. This collection should be removed under at least one of these requirements.

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 09-07-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Problems when you are unable to pay

Complaint: I have been dealing with Chrysler Capital For months trying to get this taken care of. I 've spoken to many supervisors one was named XXXX. One was named XXXX. They never would call me back then I got transferred to the office of the president again, we will call you back nobody calls me back. I 'm having so many issues and they have tons of notes in the system on me but yet today I get a pay or were going to repossess your vehicle letter but yet they have not answered me on my issue and I do n't know what to do because I asked him to change my payment plan. So, I 'm waiting for them to answer me and get back to me and then I get this nasty letter. It has been months and I am so fed up. They have all the notes in their system and they even pulled some of the calls were I told him what I was told and they agree I was told that they could change my payments and yet here I am still waiting months later.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (ID).
Issue: Loan modification,collection,foreclosure

Complaint: My mother 's reverse mortgage serviced by Champion Mortgage went into foreclosure for failure to pay taxes & homeowners insurance. When she finally told me what was happening I sent the loan servicer, Champion Mortgage, an authorization for me to access her account info ; it took them several days & multiple faxes for them to update the account & speak with me. After repeated calls I was only able to obtain a verbal quote of {$18000.00} to cure the default - Champion refused to provide written breakdown of costs, nor written confirmation that the amount would stop the sale. I confirmed several times with XXXX XXXX XXXX at Champion that {$18000.00} was correct & on XX/XX/XXXX I sent XXXX cashiers checks totaling {$18000.00} to their XXXX MI office as instructed ; I sent it via overnight XXXX & have XXXX delivery confirmation for XX/XX/XXXX. Since XX/XX/XXXX I have called nearly every day to confirm account is current & to request breakdown of what the {$18000.00} paid for. I have detailed notes of who I spoke with & when. XXXX reps, XXXX & XXXX, were very professional & really did try to help me within the confines of their company, but several reps were unbelievably rude, condescending & nasty : XXXX & XXXX in particular were incredibly unprofessional & rude ; XXXX hung up on me when I repeatedly requested a supervisor, the other would repeatedly put me on hold for extended periods of time ( over 10 minutes ). It has been over 2 weeks & Champion has my mother 's XXXX & are still proceeding with foreclosure. I spoke with the Trustee conducting the sale & they have not received notice to vacate the sale. I work in XXXX & understand the system & still, I ca n't get this account cleared up, or even obtain an accounting of the money. How can an elderly person with no industry experience hope to sort things out? I know that a reputable loan servicer has no difficulty providing a written statement nor applying a default cure payment ; I deal with many lenders at work & know what to expect. This is beyond the pale. They also gave me a false foreclosure date of XX/XX/XXXX to push me to send money quickly ; per the Trustee the actual sale date is XX/XX/XXXX. Remember-this is a reverse mortgage, specifically for the elderly - there is no way that my mother would not stand a chance of getting this account cleared up & stopping the sale. I need help to force them to acknowledge the cure funds, stop racking up trustee foreclosure fees & provide an accounting ... please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Payday loan () with Big Picture Loans, LLC (MI).
Issue: Charged fees or interest I didn't expect

Complaint: Big Picture Loans has been very dishonest in the way they handled my loan. When I agreed to borrow {$820.00} I was not shown the truth in lending disclosure showing my APR. once I signed the agreement, I found out that the interest rate is 910 %!?!?! If I have to pay these finance charges, I will end up paying {$7100.00} over the next year and a half on an {$820.00} loan. Seems simply outrageous to me. I am appalled at these finance charges and feel that they are unethical in truth in lending. They also say they have a demand feature on my bank account and so it will deduct my account even if I file a stop payment with my bank. This was also not something I was aware if before signing the agreement!

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I was making donations on-line on Giving Tuesday, XX/XX/XXXX, from my Bank of America checking account. Bank of America put a lock on my account for " suspicious activity. '' I then unlocked the account to make further donations. I just noticed today, XX/XX/XXXX, that Bank of America deleted some of my donations ( they deleted the transactions from my account ) with my authorization or knowledge. I had more than sufficient funds to cover the donations ( my checking account balance after all donations would have been in excess of {$2500.00} ). What the bank is is illegal.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Over the last 5 months, I 've asked the Credit Bureaus to Remove all reference to my Liens from my Credit Reports. According to current Law, Effective XXXX XXXX 2017, Lien Notices are required to be removed from Personal Credit Reports.The change by XXXX, XXXX and TransUnion which took effect XX/XX/XXXX, as part of a plan to ensure that consumer identifications in the data are accurate and current, the XXXX XXXX XXXX XXXX, a trade association for the companies When I asked XXXX, Transunion and XXXX, to remove these notations -- from my Credit reports -- theses notations are still there.

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 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On  XXXX   XXXX ,  2015 .  XXXX  reported a debt collector on my credit file named   XXXX   XXXX   in the amount of {$850.00}. There have been attempts multiple times for this reporting company to verify this debt, but they have failed to produce the verification of this debt. This is a violation of my consumer rights. Please help me resolve this issue. This is not fair practices to me as a consumer. 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 03-08-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Recently there have been changes to my Experian Credit Report. I requested XXXX to mail me a new and up to date credit report. Experian has failed to comply with my request. I am requesting XXXX to send me an up to date and current credit report.

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 02/27/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/2018, I sent correspondence to Navient regarding my existing loans with them. I received an email basically stating " Don't call us. We'll call you. '' During the investigation of my claim, the loan is to be placed in deferred status. That, also, has yet to happen. They simply are not responding to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a car through   XXXX   XXXX   and Paid it off completely. But when I look at my credit report it is showing a balance of  XXXX  with   XXXX   and Equifax. Also, it is showing twice on my credit report when it should only show once. I would like for my credit report to reflect the proper accurate information. Please have this account only showing once on my credit report and also showing a   XXXX   balance as well.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I filed a complaint with your agency last week. This complaint is in regards to Navient private student loans. I spoke with my rep, XXXX, who offered me a seven month the forbearance on one of my private student loans which was the most likely to default. When I signed in to Navient system the forbearance payment of {$50.00} I made and the forbearance was nowhere on my account. I sent an inquiry to Navient and I filed a complaint with your agency. Navient has now contacted me and is claiming that the forbearance was backdated and ended on XXXX 2017, so my loan is not actually in forbearance according to a different representative. That is not what was explained to me by the representative I spoke to at Navient. I was informed that the seven months forbearance would allow me to get the other two loans caught up potentially and figure out some financial options. Navient is saying they backdated the forbearance. That whole argument is confusing because they have already reported me negatively to the credit bureau 's and if I was in forbearance they would n't have anything negative to report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a XXXX investigation going on with Equifax. I had investigated around XXXX things on my credit file that were deleted. This is my personal opinion, when I setup a investigation throw you all it seem like my item were deleted faster from my report. When I viewed my Equifax credit report they even remove all my good credit. I have at least XXXX items that stated paid as agreed never late. Now every negative thing that was deleted off my credit report is now reporting back on their again. The only thing Equifax did not put back on their was good credit. When I call Equifax they were very nasty to me not professional at all.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Consumer Loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Lender repossessed or sold the vehicle

Complaint: By law a register letter has to be send to the customer within 15 before any repossetion can take place, Loanmart repo my vehicle without any warning and knowing that a lawyer was negotiaring a payoff. Now I have to pay {$450.00} for repossetion fees and a {$25.00} dollars storage fees. This company has been rip people off taking advantage of people in need.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: Tried to pay, They did not apply the funds, instead in suspense account I stopped paying when the could not explain this.   All calls directed to call center in  XXXX . I can not understand the people Asked for reinstement quote which I received They can not break down the charges in the escrow portion Gave phone number and said I needed to fax request, which I did, No response I have called them at least 5 times.   I am scared as the house is in foreclosure

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