milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LENDING CLUB CORP (FL).
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: To Whom It May Concern : I have recently been informed that there are negative information reported by XXXX XXXX XXXX in the amount of {$14000.00} with status of charged-off, amount of {$10000.00} with charged off status, amount of {$6500.00} with charge off status, amount of {$5500.00} with charge off status, XXXX XXXX with {$0.00} balance with 120+ late status opened XX/XX/XXXX, and Lending Club Corporation with {$0.00} balance with charge off status opened XX/XX/XXXX on my credit file they maintained under my Social Security number. I sent XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking to provided documented proof, bearing my wet signature, showing I consented to the inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked XXXX XXXXXXXX XXXX XXXX XXXX, and Lending Club Corporation that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation as of XX/XX/XXXX, still has not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was told by XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation that they do n't have to show me any proof and that I heeded to take it up with the Credit bureau to get it removed. When requesting documented proof of the contract and asking to show proof I consented to having XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation run inquiries, bearing my wet signature, XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation sent me billing statement stating that this was verification I requested which is false and they said it was proof. I never asked for billing statement because that 's still not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked the question to where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage servicing company based in Texas called Residential Credit Solution is NOT offering us an option to communicate with them electronically to resolve an issue with slamming. Despite the fact that we are paying for property insurance, they are adding the amount to our mortgage balance. Their customer service front-line folks are unable to provide the source of the escrow funds and only provide the balance. They wants us to chase their escrow folks. It appears they are on commission and only care about collection.

Company response to consumer: Closed
Consumer complaint received 07/13/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: False Credit Reporting -- -- Subject-Conflict of interest-banking Regulations. Short Sale of Home with Agreement from XXXX XXXX. 
I purchase a home in XXXX XXXX development in XX/XX/XXXX with the intent of selling my home in XXXX, SC. In XX/XX/XXXX, I had to stop the bleeding and made an agreement with the VP of XXXX XXXX to sell the house, pay off first mortgage, pay off XXXX of home equity loan to XXXX and sign a personal note for the remaining balance of {$100000.00}. Because of my income/debt ratio ( retire-income only IRA ), I could not get a jumbo loan with any banks in XX/XX/XXXX. The developer and seller of the home was a Board Member of XXXX XXXX and used his influence to obtain am appraisal and loan for me with XXXX. The mortgage was for {$750000.00}. The rate was 4.75 % and payments drafted from my Checking Account at the same XXXX XXXX. In XX/XX/XXXX, I was able to get a XXXX mortgage for XXXX and XXXX carried the home equity loan for {$290000.00} again at 4.75 % -- interest only. XXXX XXXX ( XXXX VP ) agreed to a short sale if I signed a personal note for the balance. I agreed to do this since he promised there would be no negative reporting to the credit unions. This is my problem. Each month, they report false information on my account such as 1. ) turned over to collections XXXX, 2. ) XXXX or late or missing payments, and 3. ) showing both the original loan and personal note for the balance is in default ; even though they auto drafting from my checking account at their bank each month since XX/XX/XXXX. Their reporting has prevented me from obtaining any refinancing on my home or financing for a new home. This has caused me substantial financial harm. The CEO verbally agreed to correct the reporting ; but did not do it or explain why ; and now he refuses to talk to me. I assume it may be because of a potential conflict of interest by a the Board member- a local developer that sold me the house and obtained the loan. Without a request from me, XXXX decided to write off {$10000.00} so the personal note would be just below {$100000.00}. Closing cost increased the amount to {$100000.00}. He did this instead of lowering the interest rate on the personal note that I had requested. I can not understand any other reason for their actions if not a conflict of interest-banking regulations, etc. I did not try to just walk away from the property in another state when that was the common thing people were doing then. I am trying to prevent filing for Chapter XXXX which is what their action may cause ; and they would be the last in line to pay -- maybe with all the interest earned maybe nothing. I do n't understand why they have taken this position. This is my reason for filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: USAA Credit Card Services notified my employer of 19 years, who as a result of the debt took legal action against me, terminating my employment. USAA Credit Card Services, made no attempt to contact me directly, before disclosing the debt to my employer, nor did they follow procedures to provide me the opportunity to validate the debt, before sensitive information was disclosed to my employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (I do not know) with The CBE Group, Inc. (AL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: On the first Wednesday after the XXXX of XXXX, my Social Security check was reduced by {$280.00}. 
Credit company told me they mailed several months of notices to a XXXX XXXX XXXX address. This is not an address that I know, & I never received any calls. 
They stated they were taking out $ 400+ this month. I only have SS & $ XXXX  monthly retirement to live on with my wife. Help Please. Give me an address & I will mail you 100 % of my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am 11 days late making a payment and they call me up to 10 times a day, some times more

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 05-04-2015 about Credit card () with U.S. BANCORP (FL).
Issue: Rewards

Complaint: When I signed up for the XXXX XXXX XXXX, a " bonus award night exclusively for card members '' was promised on award stays. Recently this benefit was removed. Despite the bonus night benefit being removed, the annual fee is still unchanged at {$75.00}. I have had this card for two years, but with the loss of the bonus night, it is much less useful for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (ND).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I was promised XXXX miles on Delta skymiles credit card by American Express if I spent {$1000.00} within a month of subscribing for the card. I spent more than that and per their criteria I qualified ( which their customer service representatives also acknowledged ) but I never received the miles. Now it has been almost four months since I opened that card and I still have not received the promoted miles. I contacted their customer service representative and they said they do not know why that is, but they said they filed a complaint/ investigation. I have contacted them three times at least several weeks apart and I still get the same answer. Now they tell me they " updated '' the complaint and that I should wait 6-8 weeks!! That was per a supervisor! I feel that they are trying to procrastinate until I forget the topic.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 10-07-2015 about Debt collection (Medical) with Bureau of Accounts Control (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account has been closed and should NOT be on my credit report. It was to be removed XXXX 2015, yet it is still on ALL XXXX credit bureaus report.

Company response to consumer: Untimely response
Consumer complaint received 08/28/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I went into a Wells Fargo in XXXX, Colorado to cash my WF-issued payroll check. They proceeded to open XXXX accounts under my name, which have accrued charges and fees. I have requested the accounts to be closed with no success

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 12/21/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Using a debit or ATM card

Complaint: ATM card was stolen. Bank security measures did not prevent thieves draining account. Bank is violating federal law by refusing restitution. I will continue to file these complaints and proceed with legal action until bank complies with federal law reporting requirements regarding debit card theft.

Company response to consumer: Closed
Consumer complaint received 12/16/2015 about Debt collection (Mortgage) with Ditech Financial LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Ditech financial has reported to credit bureau I owe Ditech {$38000.00} Ditech report to XXXX as late and charged off account I have sent them latter asking original doc of this account with my signature. Ditech has not provided me with my signature that I own this debt, but they have send me public record on my current mortgage account from the County. I also have asked them to produce doc Ditech claim to this mortgage loan. they have not. I consider this is a fraud please Investigate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Bank account or service (Checking account) with OLD NATIONAL BANK (IN).
Issue: Account opening, closing, or management

Complaint: Basically, what strikes me funny, is how I was disruptive at the XXXX XXXX, MI branch. All I did was deposit {$100.00} and then when they advised me that they would not refund the overdraft fees, I basically told them that when I find a better bank, I would switch over. I now found a better bank. I want evidence produced which backs up Old National 's claims that I was disruptive. I was never asked to leave, I did my business and was gone no more than 10 minutes. I do n't see how that 's being " disruptive. '' Being disruptive is when I would not allow other clients to the window or create a public disturbance, when I did not do that. Furthermore, there were n't even any other clients in the banking center when I went in there. Advise Old National to be careful about slander and libel. If they maintain that I was disturbing and threatening, I will contact my attorney and look into filing a slander or libel suit. I would suggest dropping that claim that I was disruptive, unless they have a recording or physical evidence that I was disruptive at that particular banking center.

Company response to consumer: Closed
Consumer complaint received 02/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent a letter to them that states the debt is not mine it is over 10 years old The name the address is not correct on the response. Also requested proof of last payment, there licensed to collect debt and proof the debt is mine. no response back other than a copy of some else info I Never open any account under a XXXX XXXX I NEVER LIVED AT THE ADDRESS THEY STATE ON THE FILE. My signature does not come close. II have received calls from this company several times. Sometimes they answer other times they just listen or hang up. I have no business with them and they keep calling. I have reported other number they used to the FCC and now they are calling from a different number. My rights keep being violated They have called my son stateing that I will be arrested if I do n't comply to there demands. They have called me countless times. I have no unpaid debt and do n't know what it is about. I have returned their calls numerous times and answered the phone when they call so I can get to the bottom of this, but I can not reach an actual human being. Their outbound calls are automated. They do not pick up the phone when you call back, so you either leave a voicemail that is never returned or get an error message that does n't allow a message to be left. Unprofessional business practices .I have contact a law firm XXXX XXXX XXXX XXXX TX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 10/17/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NE).
Issue: Trouble during payment process

Complaint: I have been charged erroneously for late fees that should not have been collected, as my payments were made on time since I had a Bankruptcy in XXXX, and they have also collected a number of fees relating to the Bankruptcy.

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 03/23/2015 about Debt collection (Credit card) with Global Credit & Collection Corporation (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called this work related phone number after being told that this was for work purposes only and a personal number was given to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I went to school and graduated. Cant get a job in the field, due to the school not being accredited. There were extra fees added that i was not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgage company will not modify loan

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Nelnet is servicing my loan. The loan was guaranteed by a private bank but now Nelnet owns is. Total loan was {$8000.00} at 6.8 percent interest. I am now looking at {$15000.00} owed after paying them {$130.00} a month and without any statements or fee explanations. Because they are regulated by the Dept of Education they are not allowed to refund XXXX of the interest or fees. I spoke to the guarantor and they said they would be able to refund interest and fees if the loan was still in their name. Nelnet is corrupt. There should be some consumer law that if they threaten to garnish my wages they should be showing me what they are garnishing my wages for.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am the co-signer on my daughters student loan with Sallie Mae. Her loan payment should have been made in XX/XX/XXXX and my daughter was having trouble. She called and called ; they were rude and demanding ; not wanting to listen to her. After about 6 times calling she final was able speak with a manager. They talked on XXXX XXXX, 2016 at XXXX. and the call lasted 24 minutes. They worked out a payment plan that started on XXXX XXXX, 2016 and ends on XXXX XXXX, 2016. Then, they would reexam her finances or continue with that amount and only the date might change. I also spoke with them on XXXX XXXX, 2016 to give them my financial information. We were told that if a payment plan was set then the clock would go back to XXXX and were would not be reported. On Friday XXXX XXXX, 2016, I received a notice from the credit bureau that we was reported on all three of the loans on XXXX XXXX, 2016 and my daughters first payment was due on XXXX XXXX, 2016. If either one of us had been told that the payment needed to be made by XX/XX/XXXX it would have been paid. It seems that Sallie Mae is back doing poor business practice ( predatory practices ) and misleading their customers in order to get late fees and ruin customers credit at the same time. I ask for your assistance in not allowing Sallie Mae to get away with these forms of practices and to have them removed this from both our credit rating. Thank you for your time ; Sincerely yours.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We signed a Home Affordable Modification Agreement with XXXX XXXX XXXX on XXXX XXXX, XXXX. The agreement included {$130000.00} in deferred principal, to be forgiven in XXXX installments - specifically on XXXX XXXX XXXX, XXXX and XXXX ( anniversary dates ). Each installment should have been for XXXX of the total, and we should have received a XXXX in XXXX, XXXX and XXXX for the corresponding amounts. 

The loan was subsequently transferred to Nationstar Mortgage on or about XXXX XXXX, XXXX. Nationstar failed to provide a XXXX for XXXX, and XXXX the amount of the deferred principal on the XXXX provided for tax year XXXX. This constitutes a breach of the agreement XXXX XXXX XXXX, page XXXX ). I have contacted Nationstar MULTIPLE times and their answer is that the XXXX XXXX reflects XXXX of the deferred principal balance. Whilst the figure is XXXX of the total - it was to be forgiven in XXXX portions in year XXXX, XXXX and XXXX. In XXXX, I am subject to taxes on principal reduction in the state of California, whereas I am not subject to taxes on that amount for XXXX. By providing ONLY the XXXX XXXX for XXXX the actual amount of principal reduction, I will be required to pay taxes on XXXX the agreed upon amount from the HAMP document. By lumping together the 2 years forgiveness in violation of the agreement, Nationstar has exposed me to additional tax liability in the state of California. I need either a corrected XXXX that ONLY reflects the XXXX forgiveness portion AS AGREED in the documentation or compensation for the additional California State Taxes I will be subjected to because of the breach of the HAMP agreement by Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage has been paid to below XXXX % since XX/XX/XXXX. By law, the servicer is required to drop Private Mortgage insurance at that point. I have requested our servicer, BSI financial to drop the PMI three times, and it has not happened.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation