milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2018 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: Account status incorrect

Complaint: Please be advised I have a tradeline from XXXX XXXXXXXX XXXX on my credit report! It is a self lender account as to where I paid a certain amount each month and it is deposited into a CD and at the end of the term ( which I have completed ) I get my money plus interest back! The tradeline is showing I was 30 days late in XXXX of 2017 which is not correct! I was never 30 days late!

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 Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (NE).
Issue: Getting the loan

Complaint: www.lendingclub.com " approved '' a {$9600.00} loan to me on XX/XX/XXXX. <P/>About a week later I was asked to " confirm '' my email address. <P/>After doing this I was asked for XXXX forms, XXXX forms, and a list of other documents which I provided. <P/>I was ultimately asked for my XX/XX/XXXX federal tax return including every schedule and document. I was asked about three weeks after being " approved '' for their loan. <P/>I am late in filing my XX/XX/XXXX federal tax return for resons relating to an ongoing discussion with the IRS related to my XX/XX/XXXX federal tax return, and therefore I had to obtain my tax software as well as file my XX/XX/XXXX tax returns in order to supply the documents requested. <P/>While I was finishing my XX/XX/XXXX federal tax returns and ensuring that therer were no issues with it, I was sent an email " declining '' me for the loan which I had been " approved '' for three weeks earlier. <P/>There is absolutely no legal reason to give an unequivocal approval communication via the www.lendingclub.com web site and then three weeks later to decline a customer. The emails from www.lendingclub.com may have had small print in some of them, but the approval notice on the web site was clear and unequivocal. <P/>There is absolutely no justification for lying to customers in huge quantities and then renigging on promises which the corporation has made to those customers later on.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was cancelling my service with XXXX in the first couple of days of XX/XX/XXXX.I asked what amount I owed for the few days of the month of XXXX. The lady told me that they could not compute that prior to the next month 's billing and I would at that time be billed only for the pro rated amount due. When I received a bill it did not have a pro ration. I called then told me they would correct that. When yet another bill came out, it showed a credit for that next month for approximately 90 % of the bill, BUT THEY SHOWED THAT THE ACCOUNT HAD BEEN CANCELLED IN A PRIOR MONTH, AND THEREFORE THE CREDIT WAS GIVEN AGAINST XXXX OWED, AND THEN I WAS BILLED ON THAT SAME BILL FORM the full amount of the previous month, it was shown as over due. ( That would be the month that the credit should have applied to, and it would have shown the correct amount due, and it would be the first time that I was given these figures and therefore could not be considered over due. I wrote a letter which has now been sent to different addresses for XXXX. I have never had a response to my letter, instead I have received pre recorded credit collection calls, the same one approximately six times per day. None of those were ones I could give this complaint to. One call did come in I could not get the number to call which referred to my letter, But no one was repeated where I could answer.

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 06/14/2017 about Debt collection (Credit card debt) with Platinum Holdings Group, LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My wife and I have been contacted by a company claiming that we owe a debt that was originally a   XXXX   XXXX   credit card. This debt does not show on either of our credit reports and the company has not provided any written communication. They have claimed to have mailed a letter and filed a complaint with the court but neither have happened. They continue to call and harass family members and friends and have now started calling my employer on several occasions even after I asked them not to. They have said that the name of the company  is Platinum Holdings and keep sa ying that they are calling from the legal department. I have no other recourse to stop these actions from happening. I just received the most recent call on  XXXX  from them and spoke to an associate named  XXXX   XXXX . He says he will not stop calling my employer and family and friends until the debt is paid but yet refuses to provide any written communication or explain why the debt does not show on either my wife and I 's credit reports.  XXXX  is the phone number that I most recently got a call from and it appears to be in  XXXX , CA.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Mortgage (Conventional home mortgage) with UMPQUA HOLDINGS CORPORATION (OR).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I file a complaint, your case number,  XXXX , and all that 's sufficient for you is for this bank to respond regardless of their response. Does n't matter that I am satisfied from the wrongdoing this bank did. They respond, you close the case. That 's good enough for the CONSUMER FINANCIAL PROTECTION BUREAU? And then I ca n't even respond or give you feedback because that link is broken. Pathetic. You 've effectively created a website that serves little to no purpose. I 'm still not satisfied and fully expect you to force this bank for a complete and full refund

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 02-06-2016 about Mortgage (Other mortgage) with EMBRACE HOME LOANS (FL).
Issue: Credit decision / Underwriting

Complaint: I received an unsolicited loan offer in the mail and noticed a statement at the bottom that appeared ( but did not state so ) to be a consumer warning that offered an opportunity to opt out of unsolicited credit offers. When I called the number, the short message sounded official but I was immediately asked to enter my social security number to proceed. I did not because the recording did not identify who exactly I had called.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 12-02-2017 about Debt collection (Other debt) with ProCollect, Inc (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company is claiming that I owe them {$2600.00} for an apartment that 's in XXXX when I 've been a Louisiana resident since the day that I was born. This company claim to have a copy of my signature with someone else 's signature as well. I have never even heard of this company. Somehow they 've gotten my fathers address and are sending things to him when I have n't lived at that address in years. How can two people both owe {$2600.00}, if anything that debt should be split amongst two people. When asked to validate this debt, they sent me a copy of a lease with a signature that 's not even mines. The dates that they are claiming I " moved '' in is impossible because I started my lease where I live now in XXXX. I ask that this company take the time to investigate this issue or Remove this debt from my credit reports, because I do not owe anyone {$2600.00}. I also, DEMAND that this company send me an agreement proving that they have the right to collect on this debt that I supposedly owe. If this matter is n't handled properly, I will be forced to report to the Federal Trade Commission.

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 (Private student loan) with AES/PHEAA (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I had contacted American Education Services and made a payment of XXXX on XX/XX/XXXX. This payment was supposed to bring all 4 loans down to 39 days past due. When the payment was processed, it was not done as specified when talking to the person that took the payment by phone. When looking at the account, it showed one account being 13 days past due, two others showing 44 days past due, and the other was showing 75 days past due as of Wednesday XX/XX/XXXX. I contacted the customer service on this day and there was a request to re apply payment to correctly show the past due time/amount. If the amount paid was correctly distributed as instructed there would be no issue. As of today XX/XX/XXXX, This was still not corrected. 

Upon looking at the account on Monday XX/XX/XXXX at XXXX hours MST i noticed a change in the current interest rate at 6.06 % for two loans ( XX/XX/XXXX and XX/XX/XXXX ) without any notification at all. I received the new repayment terms from AES via the paperless inbox which was dated for XX/XX/XXXX and showed a 5.870 % interest rate. Again, I never received any notification of this change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Here 's another complaint about Wells Fargo placing unfair and deceptive holds on my deposits. I deposited another check for {$500.00} at the ATM and there was NO MENTION of a hold at all. Then the next day, WF places a hold on the check without informing me ... Again, to basically try and scam me on overdraft fees. Now here 's the kicker ... they send me a letter in the mail saying " if you were not informed of the hold at the time of deposit, we will waive overdraft fees if you contact us. '' So basically they are saying they will scam you for Overdraft fees and unless you happen to be proactive and call them, they will steal your money. THIS IS CLEARLY AN UNFAIR AND ABUSIVE PRACTICE. I am disgusted and the CFPB needs to sue WF over the abusive deposit holds. Why should I have to call to get fees reversed? What if I never received the letter and never even knew? WF needs to reverse these fees without consumer action being taken. Very disturbing behavior again from WF. Also, they refuse to tell me why they are even placing the check holds to begin with. Unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Medical debt) with Works & Lentz of Tulsa, Inc. (OK).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On  X/X/XXXX  I started paying  Works and Lentz  {$75.00} a month a total of {$3000.00} as of this day after being threatened to sue on first notice of this debt, threatened over the phone that if I did not pay at least this amount every month that they would have to proceed through legal actions. I never received a bill from the hospital. I had no acknowledgemention of this debt. I did however receive other bills from the hospital (   XXXX   XXXX   XXXX   XXXX   XXXX   etc. ) Which were all paid for. I was caught completely off guard when Works and  Lentz first c ontacted me and because of the manner of which they decided to address themselves I was to scared to question or do anything about it and did not know I could do anything about it. I have asked Account manager  XXXX   XXXX  from m Works and Lentz t o send me verification of this debt and account summary 3 times and have never received. The amount of this debt is currently {$11000.00} it started at {$14000.00}  Works and Lentz f irst received our account on  X/XX/XXXX . After already paying thousands to the hospital for the other bills and never even hearing about this one I was very upset that the hospital never even gave me a chance to try to pay this bill by never sending me anything about it and now this bill has hurt my  cr  edit score  significantly. Works and Lentz  reported to the credit bureau   XXXX   before even contacting me. The amount reported was {$13000.00}. {$1300.00} less then what they say I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Student loan (Private student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Hi, have been struggling to repay my NJCLASS loan. I have approximately 96000 to repay and my monthly payment went up to XXXX a month after they gave me the option to do there reage program. I have been in and out of work for the past three years and my student loan almost reached default status until they offered be to do the real program which only raised my student to the XXXX dollars I pay now. I am married with XXXX small children in day care just to work in a field I did not go to school for. And because NJCLASS does not offer income based payment or lower payments. It makes it very difficult for my family to manage our finances. I would like to see this loan forgiven due to me not having work in the field I went to school for, or would like them to offer incomes based payments

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Bank account or service (Other bank product/service) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I arranged for bank # 1 to transfer my IRA account to bank # 2 that was paying much higher interest. The IRA Transfer Request I used included this statement : " If you are age XXXX XXXX or older, your required minimum distribution must be processed prior to transferring your IRA to bank # 2 ''. Bank # 1 failed to process the remaining required minimum distribution before transferring the IRA account. When I realized what happened and called them about it, they refused to admit they had made a mistake and refused to do anything to help me request the required minimum distribution from bank # 2.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Hello, this is XXXX XXXX XXXX XXXX again and I am submitting this complaint against Experian over their frivolous attempt at an investigation at my expense. They are tarnishing my creditability and my good credit by allowing a false riddled account with incomplete and incorrect information to appear on my credit file under XXXX XXXX XXXX account # XXXX ... This account is under another persons name at my business address and it does not belong to me personally and it is affecting every aspect of my financial stability. 

I work for XXXX XXXX XXXX, in the XXXX XXXX offices and I will pursue strict litigation against Experian for false reporting and responding to my initial dispute through the CFPB portal with absolutely ZERO investigative results, evidence and facts! They have not responded to my complain AT ALL though this portal. They have submitted generic and cookie cutter responses to me through this portal that make absolutely no sense. Their has been ZERO validation or investigation with XXXX XXXX XXXX on my account and they have not even verified the addresses that are displayed on this inaccurate account versus the addressed that appear legally join my credit report. 

This account is inaccurate and illegally reporting to my credit report and the investigation I received was UNLAWFUL, INSUFFICIENT and a SHAM! I have no idea what investigation was conducted, there has been ZERO proof, ZERO documentation verified and provided and NO forwarding of my documents to they furnishers illegally reporting to my credit file. This violates FCRA law, this investigation was absolutely half assed and completely unacceptable. If this item is not removed within the next week I will be sending letters for Experian to cease and desist any and all activity upon my account under FCRA law and appear in court regarding this sham of an investigation!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (AK).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I want my money returned to me. The bank employees would not help me find out what happened to it. The only thing that could have happened is they stole it. I have been totally abused by the bank and their workers. Everyone just kept saying they did not know what happened. I was even told to forget getting any money back because the president forgave the bank its wrong doing. Help me please it put me into extreme poverty and l ca n't get back my living in a well status. I am XXXX legally XXXX have no car and need my money back.

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 06/15/2016 about Money transfers (International money transfer) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Other transaction issues

Complaint: I attempted to wire transfer the remaining balance for a XXXX to the XXXX company from my branch office at BBVA compass on XX/XX/2016. Wire transfer paperwork indicated funds available on XX/XX/2016. On XX/XX/XXXX when the funds had still not arrived in the recipients bank account, I requested a trace through BBVA. At this point BBVA still does not know where the money is, and can not produce any proof that the money has been transferred from the intermediate bank to the bank in XXXX XXXX. BBVA Compass system for tracing the money is almost guaranteed to be non-productive. I have spoken to the wire transfer department twice on the phone, to be told on each occasion that they are not allowed to tell me anything - that I must speak to someone at my branch office. I have spoken to a branch associate every day for the last 7 business days, and while she has been very polite - she is not capable of doing anything any more that sending a request to the same wire transfer department that is not allowed to tell me anything and wait for them to resolve the issue and revert back to her with an answer. I have spoken 4 times to my personal banker that BBVA Compass assigned to me, and the only assistance that the personal banker is able to offer is that this will be resolved, but she is unable to perform any more research than the branch associate. Yesterday I met with the VP of the branch that I bank at with the same results. The VP of the branch indicated that it would n't matter whether I spoke to her boss, or her boss 's boss, they would all be dependent on the wire transfer department to resolve the issue. The intermediate bank is XXXX XXXX XXXX, and none of the personnel from BBVA that I have spoken to has ever picked up the phone to speak to a representative at XXXX XXXX and secure a copy of a confirmation that XXXX XXXX has forwarded the money. 
The current steps that the bank are taking are to try and retract the money back to my account. The system for retracting the money is to send a request to XXXX XXXX to be forwarded to the original destination bank to request to get the money back. Given that BBVA has no idea if the money is still at XXXX XXXX or lost at the destination bank, and is unable to show any proof or confirmation documentation of where the money is other than not at BBVA, I dont have much faith that I will ever receive this money again, or ever learn of its final destination. 
XXXX - there should be a better system in place to ensure that banks that make international wire transfers should have to be accountable for knowing where the money goes.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Mortgage (Other mortgage) with BB&T CORPORATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015 I was advised to bring account current with {$8000.00}, and the Foreclosure dated XXXX/XXXX/15 would be stopped. I ordered reinstatement letter and the amount came back $ XXXX. I faxed my request for postponement and third party authorization over at the same time. It took 2 more faxes and BB & T just now ( TODAY ) receiving my formal written request to postpone/cancel foreclosure in pursuit of a workout. I am told by local agencies other options to Home Retention are available to me but NO One made this clear to Us until now. 
BB & T is saying they can not stop the sale because too close to the foreclosure date. They are not considering the fact that I was misinformed on many levels leading up to now. ( Wrong amount to reinstate given verbally by XXXX on XXXX/XXXX/15 XXXX They are not considering the fact that I have made this request almost 30 days ago but BB & T states they did not receive the fax until yesterday. I have a call and request into the Foreclosure Dept to postpone the sale this according to XXXX XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation