milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LENDING CLUB CORP (CA).
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number:XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by lending Club in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XX/XX/2017. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with lending Club and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ),  and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2.  ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Consumer Loan (Vehicle loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Managing the loan or lease

Complaint: OneMain is charging me 17.20 % interest on my car loan dated XXXX/XXXX/2014. Yet I just purchased a car and was financed elsewhere at 5 %. I asked OneMain if they would refinance me now that my credit is better and they refused. I have held off the last few payments as I have tried to get them to redo the loan at a fair rate. Instead all they do is harass me making phone calls to me from XXXX disserent numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2015 about Credit card () with CITIBANK, N.A. (LA).
Issue: Credit line increase/decrease

Complaint: I received a letter in the mail that my credit limit had been reduced. Macy Department Store is reducing peoples credit, the reason is they say there system automatically reviews the account every XXXX and it 's based on information they receive from XXXX every month. I think this is crazy and who gives them your information on other credit you have every XXXX days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX, XXXX made a charge to my Wells Fargo debit card in the amount of {$340.00}. This was not credited to my XXXX account ( my XXXX account has been up to date for over a decade and belongs to one house in XXXX, Georgia -- the charge on XXXX/XXXX/XXXX was from XXXX in XXXX, Florida ). I called XXXX on the XXXX ( and the charge was still " pending '' in my account ) and the person on the XXXX line said they could not find the charge in any of their systems, and I needed to call my bank. I called Wells Fargo the same day, and told them it was an unauthorized charge. They said they would start the charge dispute process and get back to me. On XXXX, I received a phone call and a letter from the Wells Fargo dispute center saying they needed more information, so I called them back. The lady on the phone at that time said thew dispute claim was brand new as of the XXXX ( she could find no record of my original call on the XXXX ), but they had given me a temporary credit. The claim number was # XXXX and they listed the cause as " charged wrong amount '' which I told them was incorrect. I should not have been charged at all on that date. The wells fargo representative then told me she would investigate and get back to me. Less than a month later, I received a letter from Wells Fargo saying they did not receive the information they requested from me ( which I do n't understand because I talked to a representative in person and she said she would proceed with the investigation ), and they were taking the credit to my account back because they found the charges were made by me or someone with my permission and to consider my claim closed. I can assure you I have n't made a false claim accusation in the past decade as a loyal wells fargo customer and no one had my permission to use my card for a Florida XXXX account. The fact that a company that literally stole and abused the identities of thousands of their own customers would call me a liar is inexcusable. I want other people to know the kind of abuse that they will be subjected to when they just expect their bank to do the one primary job of protecting their customer 's money.

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 10-10-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America and their representatives, including XXXX XXXX, have engaged in the practice of distribution and sharing financial, personal, private, and privileged information contained within the borrower Home Loan Modification Status iportal, My Documents tab page with external users without my permission or consent. It is this long established Bank of America practice that has allowed for the destruction of documents and documentation related to my home loan mortgage account. 
This on-going conduct on the part of Bank of America and their representatives is, in part, the reason I have ha to lodge over sixty ( 60 ) CFPB Complaints regarding Bank of America 's handling of my home loan mortgage account records throughout the loss mitigation and modification processes and have been incorrectly denied a MHA HAMP, MHA HAMP TPP, and incorrectly forwarded to foreclosure. 
There is simply no way Bank of America can come up with an explanation for such errors in processing and handling upon complete and independent reviews of the mortgage and service records for which decisions are based and made. The whole reason for such reviews are to ensure any action taken on an account are based on the complete and current record resulting in accurate and correct decisions. This simply has not been the case in this instance throughout the modification and loss mitigation processes to date as evidenced by the multitude of errors in processing, procedure, law, regulations, and guidelines. In other words, these errors have not been due to Bank of America representative and employee lack of knowledge of specific procedures required in the performance of their duties.

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 11/16/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a student loan from XXXX XXXX from XX/XX/XXXX. This loan is paid off and closed on XX/XX/XXXX. There was no late on this account. XXXX and XXXX never reported any late for this account.But on Equifax file a 150 days late showing XX/XX/XXXX.The previous 4 months starting from XX/XX/XXXX- XX/XX/XXXX, it shows no late.All of of sudden a late of 150 days showing for XX/XX/XXXX.If a student loan is late for more than 120 day, it goes into default status but in this case there was no default reported.If previous 4 months showing no late or payment made on time then how would it be 150 days late in just one month. Equifax has no answer for that and every time I dispute the account, they report back as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: A {$19000.00} credit card was issued  by Fifth Third Ba nk in the name of  XXXX   XXXX   XXXX . This card was not requested by my  wife (   XXXX   XXXX   XXXX    ) and the first name is even spelled incorrectly.
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I called Fifth Third (    XXXX / XXXX /    2017 ) as soon as I saw the documentation that a card had been issued and that a change of address was processed for the card.
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Fifth Third blocked the account but now wo n't be accountable for removing the credit report info. They want me to take care of that even though Fifth Third is completely responsible for issuing the card. The credit report shows where Fifth Third made an inquiry   and then later issued a card.  <P/> I think the bank should back out the card from my credit report and not force me to get on  XXXX  numbers to credit bureaus to fix their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Pinnacle Credit Services , LLC has XXXX Open Collection accounts for a XXXX XXXX account that shows {$0.00} balance. I would like this removed from XXXX and therefore, my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: I have made an international transfer of XXXX XXXX to Coinbase Inc on XX/XX/XXXX. On XX/XX/XXXX they sent me an email saying they will not deposit the money into my account, but refund it within 1-2 business days instead. I have been waiting for the refund 3 weeks now and have not received any response or money back from the company. The customer service is not responding either.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Ascension Recovery Management (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I used to own a car XXXX XXXX XXXX few years ago. I sold it back XX/XX/XXXX to a car dealer in XXXX. Same day i logon to dmv for release of liability. New owner bought the car was given a street parking ticket and was towed. ASCENSION RECOVERY MANAGEMENT said I owe {$1200.00}. Quick I explain my story and have proof I sold the car. They agree to remove charges back in XX/XX/XXXX. It still shows open on my credit. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Debt collection (Credit card) with Bronstein & Weiss Arbitration (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX ref # XXXX, contacting my ex husband telling him they are going to arrest me and put me in jail. They have threatened to have the police come to my place of employment. I do n't know who this debt collector is cause when I ask, they just start telling me they are having me arrested. I WILL NOT pay anything I do not owe. Please make them stop. They have even threatened me in regards to my insurance license with the State of Texas. That is threating my ability to work and make a living.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Mortgage debt) with WELLS FARGO & COMPANY (CA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: I 've been dealing with the Home Preservation Department of Wells Fargo to resolve my late mortgage. I have received multiple calls per day and this morning I was called at XXXX from Wells Fargo .

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 07/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: XXXX, XXXX cases were filed previous and Navient still has not satisfied my request. If anything only confused the matter more. Case XXXX they provided a promissory note of XXXX, and only this document. Stating this as proof that I owed more than double that. In case XXXX they then state " Your Stafford loans were transferred to us in XXXX 2012 after being rehabilitated with a combined balance of {$11000.00}. Prior to us receiving your loans, they were in a default status. '' Then they are saying I had a consolidated loan for XXXX dollars. Odd enough I spoke to Navient in XX/XX/XXXX asking specifically that, and in turn caused all this. I asked specifically for the documents that ( apparently no one has ) showing I owe this amount of money. I was told they do n't have them and to call someone else. I was also told that my loans are not consolidated at all but only brought under Navient. ( see loans attached ) case XXXX states the opposite and my loan details show this as well. " In addition, we received your consolidated loan in XXXX 2012 with a balance of {$26000.00}. '' Plainly my accounts are not consolidated. " In addition, we received your consolidated loan in XXXX 2012 with a balance of {$26000.00}. Please note that your consolidation loan was simply transferred to us from another servicer, and was not previously in a default status. '' Once again no documents are provided showing where these totals are coming from. If something is " received '' you would have these records, dates and documents. I 've called the number they provided previously and they could n't produce these documents either. This is why I am on this forum.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received my credit report XXXX because I had finally become financial able to buy my first home. I saw that Bank Of America was on my credit report saying I owed them {$5200.00}. I disputed the account with Bank of America and all XXXX credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all three credit bureaus to remove the incorrect information from my 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 04-01-2016 about Mortgage (VA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently XXXX to the XXXX XXXX, I fell behind on mortgage payments, Internet services are not always available. I 've reached out to the bank several times to see what options were available to me to no avail. My credit score is dropping dramaticly. I finally was able to make a call and speak with someone. I asked what my options are and she told me that I would have to fill out, scan, fax all this paperwork to her to see ; otherwise there is nothing they can do for me. I explained my situation and how these resources are not readily available to me. She then told me that I should 've planned for this better. I did not / was not even going to entertain that ignorance. I asked if they could temporarily suspend reporting any further deliquencies to the credit bureaus until I return XXXX XX/XX/XXXX/XX/XX/XXXX. She responded " no ''. I asked her if I paid the past due amount right now in full on the phone could they waive the late fees & corporate fees as well as delete the derogatory and late payments from my credit report. She responded with " we do n't do that ''. Up until my XXXX I was in good standing with my mortgage payment, never have been late. I have been working hard to reestablish my credit from my divorce a few years ago ; I involuntarily XXXX to serve my country, leaving my kids behind for less money and to try and deal with this. I am willing to work with the bank but they are not willing to work with me. I know I am protected to a certain extent under the SCRA and they ca n't start foreclosure proceedings for a certain amount amount of time. All this has just added unnecessary stress ; stress that I have absolutley no control over. I am seeking help from CFPB to see if there is anything they can do for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (ME).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I was sent a new credit card that had the last 4 digits of a card I already have. It said a Visa a Signature card. The heading on the letter said it was from XXXX. A typical looking credit card except it was a little thinner than most cards. There was a sticker on the card to call a number to activate the card. I tried three times with the automated system to give my numbers it kept rejecting them. They connected me with a person who took my numbers but again it didn't work, so he asked for my Social Security number to check it. I hung up realizing it was a pretty slick scam.

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 04/21/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is continuing to report inaccurate information on an account that I disputed with them. I have continuously ask for proof of their findings to validate why this is still on my report and they have fail to provide it. I have contacted the collection agency to ask why are they continuing to try and collect after being to told to cease and deceit prior to the being report to the bureau and was told the credit bureau are reporting without their consent. I have request to prove your accuracy are remove it at once and nothing has been done. I hope reporting them to CFPB will help

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient is my lien holder for my student loan and I have make extra payments presently and in the past. The company will not apply the extra payments towards the principal rather the company applies the additional payment towards future payments. The most recent example is I made an additional payment earlier this month and the company applied the money towards my XXXX payment. Their payment stub does n't include any method to apply overpayment towards the principal. This has happened numerous times in the past and when I call I am told that the payments were already applied and cant be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: I was told over the phone and I received a letter from Exxon Mobil stating that my credit card did not charge annual fees. At that time my card had a XXXX balance. XXXX month later I was charged an annual fee of {$29.00}. I did not pay pending a reversal of that fee. I was refunded {$24.00} leaving me with a balance of {$4.00} and subsequently charged a {$2.00} fee for non payment of the {$4.00} and charged another {$2.00} fee on the following month. All due to an annual fee I was told I would not incurr. They refused to refund the late fees and I was forced to close the account so as not to incurr in further fees, or forced to pay the illegal fee charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief