milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: U.S. Bancorp Investments, Inc XXXX XXXX XXXX XXXX XXXX MN XXXX Complaint Description : Re : Loan No. XXXX This letter is in reference to the above home mortgage from lender U.S. Bank N.A. and administered by XXXX XXXX. Re : XXXX XXXX. XXXX XXXX XXXX XXXX US Bank Corporate Trust Services XXXX XXXX XXXX XXXX XXXX MN XXXX This letter is in reference to the above home mortgage from lender U.S. Bank N.A. and administered by XXXX XXXX XXXX XXXX. In reviewing my credit report it appears there are some discrepancies or errors in the payment history which needs to be corrected under the Fair Credit Reporting Act. Specifically the errors in the reporting are for the months of XXXX, XXXX, and XXXX 2015. All three months were paid on time and need to reported as such. I have copies of the bank statements which can be provided if necessary. I am also notifying the actual lender ( U.S. Bank N.A. ) of the potential violations of law when errors are not corrected. I also request confirmation that in fact your office did receive mortgage loan payments for XXXX, XXXX, and XXXX and that they all were processed. I will need a formal letter on Company letterhead dated and signed by an authorized representative. If you fail to provide the confirmation that the payments for XXXX, XXXX, and XXXX were received tendered and processed timely I will proceed to procure a subpoena as I am entitled to this by law. Very Truly Yours, XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Customer service / Customer relations

Complaint: I kindly ask that if you could please do a courtesy adjustment of my previous XXXX sign up offer to your recent XXXX XXXX points promotion. I recently contacted you and was offered XXXX courtesy adjustment, and I truly thank you for that. But at the same time I had XXXX friends who had the same situation and simply called American Express and received XXXX XXXX points match in both instances. I simply ask that considering they were able to receive the higher courtesy match, I kindly request a match to that.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: Contacted the credit bureau the beginning of   XX/XX/2016    . I have disputed this account every month until now. They stated that it was varied account was mine but I have submitted in proof that I owe no such company. I also attempted to reach out to the original creditor and they still have sent valid proof of owing account. The information they sent me was a document stating a different company names. On my credit report it is listed as the original creditor being  XXXX . The document they sent with no signature states the original creditor being   XXXX   XXXX   XXXX  . My name is also spelled incorrect on the document.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX {$3900.00} Open XX/XX/XXXX Reported XX/XX/XXXX This is all negative info that am not obligated for, due to my contract of completion of the school. I did not resign for the loan next term. So therefore we have to contract in wet ink on paper.

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 06/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX veteran. I request that a federal or state financial regulater conduct a thorough examination into my loan under ocwen, as well as when my loan was with litton. There are deficiencies in loss mitigation and loan modification process.charging unathorized fees for default related sevices.Deficiencies in how my loan was underwritten and serviced.Providing false or misleading reasons for denial of loan modification under hamp.Misdated letters and correspondence thats not clear understanding causing loan to default. XXXX 2012 modification qualified under hamp and should have been permanent, not " XXXX '' this practice of bait and switch is not helping home owner and is not removing the toxisty out of this toxic mortgage.This practice of denying me an affordable modification is contrary to the spirit of the Making Homes Affordable Act, and in non-compliance of the National Mortgage Settlement Rule.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I made a purchase from PayPal on X/XX/17 for {$100.00} with my credit card. The item received was not as described. Later in XXXX 2017, I disputed the charge through the credit card and received provisional credit. I then received a questionnaire from the card company dated X/XX/17. I filled out questionnaire and returned with documentation of emails and text messages between myself and seller to card company via certified mail number XXXX. On X/XX/17, I was rebilled the charge to my credit card. I contacted paypal to see if I could submit a dispute with them. I was ultimately told no ; however, through my inquiry process I was informed that my credit card company disputed the charge with paypal using the reason " item not delivered ''. My credit card company received proof of delivery from merchant and subsequently rebilled me. I did not dispute that the item was delivered, my dispute was that it was not as described. I informed the card company of this when I initially made the complaint, and in the questionnaire sent via certified mail. I disputed the charge again on X/XX/17 with the credit card, yet I did not receive a provisional credit. This dispute has not been resolved since X/2017 and has thus far been processed erroneously. Merchant represented in XX/XX/XXXX text message that he could work with files. I paid, only to receive unusable files. It was only on XX/XX/XXXX, after I paid, that merchant said he could not be sure by email. Yet he clearly represented he could work with files before payment.

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 08/31/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Billing disputes

Complaint: My wife had accrued over a thousand dollars in one of her XXXX card which is serviced by XXXX bank corp. or HSBC. As she was delayed in her payments, Hsbc called her on the phone in 2010. HSBC made her to agree to several monthly automated payments through her checking account to pay the full amount. About 2 years ago, XXXX a debt collector served us papers through the courts suing us for the full amount. She searched her records but could not find any file that showed she had paid off the debt. We have accessed her checking statements online and indeed she made payments of around XXXX to HSBC card services CO id XXXX XXXX web misc XXXX for 5 months. She went to a local XXXX XXXX branch to identify what account the money went to. XXXX XXXX said they could not help us and told her to call HSBC. She was told by HSBC that they do not have records on how to track these transactions. We contested this in the local courts and the judge ruled that since we can not prove that the money did not go the account which is now held by XXXX that we have to pay XXXX XXXX. We sent a certified letter to the lawyers of XXXX XXXX stating that we are willing to pay on a monthly basis to cover the amount. My have not heard from them since. My wife is seeking a mortgage and the broker said that she has to settle this account before she can get a mortgage. 
We need help in trying to trace where the money went. 
As a warning to others, always keep your records whenever you payoff a debt. Also automated debits do not give a full record of where your money goes so probably it is better to pay off by check as a back up record. Creditors want to give you discounts on your debt for automated debits as probably it is hard to trace where your money went.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am in a repayment program with the XXXX. I have been making successful monthly payments at the agreed upon amount for the past nine months. The XXXX has my correct contact information. For no valid reason, the current account assignment, GC Services LP, has dug deep to try and harass my family. They were caught calling my mother asking for my XXXX brother so they could ask him for my contact information ( despite already having it? ). It is unclear how they knew my brother 's name, seeing as I have never provided it on any loan document and would have no reason to, since he 's XXXX. When I called GC Services LP to complain, they said they " have resources '' to find such information. This debt collector should be immediately removed from all approved contracting lists of the federal government and the XXXX needs to quit wasting my tax dollars on " assigning '' paid up accounts to unnecessary debt collectors just because at one time in history I had no means with which to pay. A valid, paid repayment agreement directly with the Department should immediately bounce a loan account out of the XXXX XXXX and back into the XXXX XXXX system. It 's really not that hard to not waste my tax dollars. Try it sometime.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: the collection company contacted me with XXXX % debt reduction offer for payment if made by XX/XX/2016. I sent the check that was dated XX/XX/2016. 

they contacted me again on XX/XX/XXXX ( after a whole month ) to say that they have not rcvd the check on XX/XX/XXXX but on XX/XX/XXXX hence the XXXX % offer is not valid and they are requesting the remaining XXXX %. 

Also, the collection company did not report to credit bureau that i paid the XXXX % or that by their offer that dept should no longer exist. 

since I did n't send my check via register mail, it 's their word against mine. i did try to reason with the person i talked to that 1 day should by acceptable for error margin but they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: While checking my credit score on XXXX, i noticed an account closed on my XXXX report and the same account open on XXXX. There is no close date, it still shows incorrect information and theres a statement of foreclosure started. The funny thing is, Bayview loans has not sent a single document since XXXX when they bought the loan from XXXX. In fact, there is no closed date. My mail is not the issue as my postmaster for usps in XXXX is under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: a scam was conducted. international scam IT WAS REPORTED to FTC. BB & t would not refund the scam amount -BB & t refunded overdraft fees as a courtesy however would not consider the remainder of negative account remaining. BB & t left the account in the negative to accumulate " negative balance fees '' per day. BB & t is making monies off of a fraud situation. BB & T SHOULD have refunded the monies as well as the overdraft fees INSTEAD of leaving a negative balance to accumulate " negative balance fees ''. This account contained a small amount and NO OVERDRAFT ACTIONS should have been approved. I am a XXXX of the XXXX XXXX XXXX XXXX XXXXXXXX. This type of money making issue is unacceptable. Please look into this money making issue.

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 12-11-2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (KS).
Issue: Taking out the loan or lease

Complaint: I currently have a loan with Springleaf Financial, in good standing. No late payments, no problems whatsoever. 

I applied online for another loan with Springleaf, for {$10000.00}. I received an email stating that I had been approved, but for a reduced amount ( {$7500.00} ). The email instructed me to call in order to complete the process. 

I called and answered numerous questions about employment and income. Everything went fine, until I mentioned that I already have a XXXX loan in good standing. I was immediately placed on hold, then the Springleaf representative came back on the line and mumbled something to the effect of " I 'm concerned about risk. '' I waited for him to say something else, but about a minute of silence passed. No wonder - he had disconnected the call. 

Having pre-approved me for a loan, Springleaf was apparently incapable of determining that I am already a customer - even though I provide my name, address, SSN, etc. ( and they did pull a credit report ). When I disclosed that I 'm a customer in good standing, their response was to disconnect the call and to refuse to continue processing my loan - even though they had pulled a credit report and pre-approved the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with BOEING EMPLOYEES CREDIT UNION (WA).
Issue: Incorrect information on your report

Complaint: Boeing employees credit union recently reported my current home loan as derogatory, and closed due to chapter  XXXX  bankruptcy and now my excellent credit has dropped  XXXX  points at one credit bureau. I was legally divorced in  XXXX   XXXX . My ex wife filed bankruptcy a month later in  XXXX   XXXX  and included our home loan in the bankruptcy. The home was awarded to me. She signed a quit claim deed in  XXXX   XXXX .     I was in the process of assuming the loan with BECU to get my ex wife 's name off the home loan. In approximately   XX/XX/XXXX /  XXXX   XXXX   XXXX    I assumed the loan fully so that the loan is in my name only. None of the payments for this house have ever been late. No portion of this loan has ever been forgiven or written off. I have never filed bankruptcy or co filed bankruptcy I do n't see how it is even legal for them to report that my home loan, in my name only, has bee n discharged due to bankruptcy when it never was discharged. I have always been current with my l oan The credit union needs to remove the wrong derogatory information from my report and restore the loan as it was to show it current, all payments on time and no bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit card protection / Debt protection

Complaint: I have a series of complaint against Capital One selling me credit card protection insurance and not providing services. We have not arrived at a settlement. 
XXXX XXXX XXXX completed about 7 weeks of research in my case and piggy back on XXXX XXXX XXXX work that I was notified in my bill about steps to take to filed for insurance protection -- See their CFPB response letters and bills attached. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Per XXXX XXXX XXXX : " Additionally, you have concerns about not being informed of Payment Protection services on your account when you were unemployed. Please understand, we advise our customers on their monthly billing statements, when delinquent in their payments, that they may be eligible for benefits to be paid to their account per the terms of their Payment Protection agreement and include the contact information to investigate benefit availability. Our records indicate we advised you on your statements of this information, which are enclosed for your reference.. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- IT WILL BE INTERESTING HOW THIS PARAGRAPH WILL BE EXPLAINED IN COURT WHEN THE EVIDENCED IS INTRODUCED. CANT HAVE IT BOTH WAYS. 

Their own evidence indicated that their are providing false information. Please see their bills that they have attached as a response to a CFPB complaint. They made no mention of the insurance program. They just wanted to be aggressive in collecting due amount instead of notifying me that arrangement can be made through the insurance. 

Thus, again this is part of my proof that Capital One made misrepresentation of material fact by selling me products that supposed to cover credit card payments if I am unemployed or disable. Capital One made monetary restitution. The representatives were more interested in hounding for payment instead of applying the protection benefits. 

I am determined to exposed the fraud that was committed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (NC).
Issue: Trouble during payment process

Complaint: Last year I was out of work due to XXXX. I fell two months behind on my rent. XX/XX/XXXX, I sent in a payment that was returned on XX/XX/XXXX. This caused my account to be over 90 days late. I contacted my loan servicer, Planet Home Lending, to discuss this problem. I was transferred to XXXX in their mitigation department. She told me that I needed to set up a payment arrangement. She suggested {$1200.00} per month to which I agreed. She told me that she would have to clear it with her manager. After calling her for over a week, I finally reached her only to be told that the arrangement was denied by her manager. I was also told that foreclosure arrangements had been started. I asked her why was I denied and she told me that I was denied due to not making enough money. I requested a expence sheet, filled it out, submitted it to PLH, and was approved for a payment arrangement for {$1400.00} per month. After two payments, I was given a sell date for my house. At that point, I borrowed money to bring my account current as of XX/XX/XXXX. Now my credit report shows preforeclosure, 120 days late. I have been denied credit opportunities. PLH now say I owe them over {$2700.00} for legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We had a mortgage with XXXX and had difficulty paying due to daughters accident, and they offered us to apply for a modification from a phone representative, and said we pre qualified and we sent in all required documentation. And we were advised not to make payments on the file. Around XX/XX/XXXX we called to check status and they advised we were denied, but never got written confirmation, so we contacted an attorney, since they started the foreclosure process. We set up a mediation and attended and come to find out our loan was sold to Caliber, at this point me and the wife were in a separation of marriage, so she wanted to keep the house, we asked them if she could qualify on her own for a modification. She sent in all the required documentation again. This was around XX/XX/XXXX. Up to this point today our attorney still has n't received any written confirmation from the bank, and per law we should have received an acknowledgement letter within a few days confirming such. All she wants to do is keep the house under a modified payment that could be reasonable to her budget. I know some banks even process or approve a Principal Reduction type of modification as well to assist homeowners keep their house. Failing to acknowledge in writing is a direct violation of CFPB regulations. I am writing for assistance for her to keep this home with an affordable monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XX/XX/XXXX, I requested a copy of my credit report from Equifax, after being denied credit to purchase a vehicle. Upon receiving the report and information from the dealership, I found status error 's on paid in full accounts. Specifically XXXX XXXX. I disputed the errors online with Equifax. I sent certified letters on XX/XX/XXXX which were recieved on XX/XX/XXXX to Equifax and XXXX XXXX, disputing the status of XXXX accounts. Equifax made an error saying that I was disputing ownership of the accounts. I have attached the XXXX and XXXX letters, which CLEARLY show I was disputing the late payments reported, more importantly the status of XXXX as a " charge off '' and the other as a " redeemed repossesion ''. I also requested the proceudre in which they used to verify the information with XXXX in which no procedure has EVER been completed, much less evidence of the person, process and factual information as required by the FCRA law. I have waited over 90 days, I have sent XXXX letters, each time with copies of the previous letter ( s ). Each time, Equifax LOWERS my credit score and is not responding the my requests. I can not get credit I deserve because of the erroneous and irresponsible behavior of Equifax and XXXX XXXX. I have attached ALL correspondence with copies of return mail receipts to this complaint.

Company response to consumer: Closed with explanation