milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Onemain Financial was formally known as Springleaf Financial. They are reporting a negative account to the three credit bureaus which is impacting me Onemain Financial was formally Springleaf Financial. I have a account on my credit report from Springleaf that is reporting inaccurate information. When I contacted Onemain Financial to inform them as well as dispute the information, I was advised by their " credit bureau reporting dept '' that my account was sold to a collection agency and they could not help me. I would like to dispute the dates reported and amounts owed. I had a perfect payment history with this company and when I lost my employment, I requested the payment protection to be applied to my account, this is an additional protection that I paid for every month. The protection payments were never applied to account which caused my account to go into default. I asked month after month when the payments will be sent in because my credit was being affected. I was told that I needed unemployment before my claim could be approve. I was going through an appeal with EDD and my claim had not been awarded yet. I paid for this protection so I 'm the event something like this happen I would be protected but at a time I really needed it I was denied. This is illegal practices, to advertise a service then charge the customer but not provide

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Commonwealth is trying to collect a debt from me for XXXX XXXX XXXX XXXX. I contacted original creditor in 2014 and they sent a letter to Commonwealth that the debt did not belong to my SS # and to remove all debt from my acct. Commonwealth did so. However one year later they put the debt back on my account. I called them and told them it was a mistake, they agreed it was and told me to dispute it. I have disputed it but it keeps coming back on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Loan modification,collection,foreclosure

Complaint: Well Fargo is my mortgage provider and I am victim of flood happen in XXXX XXXX. As of result, I went to court in XXXX XXXX, XXXX because Wells Fargo was try to foreclosure on my home due they discrepancy of accuse me of payments on home loan. I show the judge in court that my home was damage from flood and it going to cost {$15000.00} in repair. I fault Wells Fargo for the following reason 1. Fraud me and government agency on amount of money I owe. In court Wells Fargo shown document that I owe {$23000.00} and I have document from SC help.gov stated that I owe {$46000.00} in back payments on my mortgage. SC help.gov is state government plan funds programs to help homeowners stay in their home. 
2. Wells Fargo has just as much rights to protect my home as well as the home insurance company does, but refuse to release insurance funds to repair the home. 
3. Wells Fargo has false documents about my loan, because on court documents their name is not the mortgagee provider. XXXX XXXX XXXX is the one on the documents rather than Wells Fargo, which is falsify court documents. 
4. Default on my home mortgage is wrong because of governments ' funds programs which are in place for help homeowner to stay in home is wrong. Wells Fargo has not give me or show the court what I owe and can explain why I could not get approve for modification loan on mortgage. I went through XXXX to get help me with approval for loan modification, but Wells Fargo keep telling me and them that I am not approval. In the same time, take the money put me back into foreclosure statue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, A subscriber of Experian, XXXX or XXXX XXXX, assumed my note management from XXXX XXXX Home Loans, and began the process of receiving and processing my monthly payments. In conversations and with staff at XXXX that have consistently reported my account in the default by a minimum of 30 days, though records reviewed by my broker and attorney note the account to be in current status. Similar actions in false and inaccurate reporting have been noted by the CFPB, as well as in litigation against the subscriber, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, et XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX v. XXXX XXXX. 

I ask Experian that the inaccurate information be removed as their subscriber has failed to respond. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: This feels completely wrong and I do not consent to USAA sharing any of my information at all. The sharing of any of my accounts as a direct and proximate result of you, USAA, Furthermore, this warning is a rejection of the modification presently and unilaterally proposed by you, and any action by you to close my account due to my rejection of the terms herein proposed will be responded to by me with a class action lawsuit for XXXX XXXX of Contract, violation XXXX, etc. Thanks Please communicate by mail only, do not call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Tried to book a flight with XXXX XXXX, upon booking I received a notification if I sign up for an XXXX promotion Credit Card, I would be entitled to a {$200.00} discount. Thinking this would be acceptable due to the promotion ad, I signed up. Upon notification I was approved, the discount was never applied therefore I paid full price. In addition, I was supposedly expected to click a travel number to access although this was not clear nor present when applying. When my wife called, she was explained that since this option was n't clicked, we must wait for it in the mail and ca n't be given over the phone which is completely ridiculous since they can verify the information I just provided. 

I would never have chosen Delta without that discount as I have a family emergency to attend to and at this point I thought I would be able to resolve with the XXXX customer service. After 7 calls between my wife and I to cancel the card since it was moot, we were passed around and hung up on each time besides the last, which the department I needed already closed. The customer service department repeatedly asked us to explain the situation, which took about 3 minutes, then said we could n't help you and new accounts would. If the situation was handled properly we would have been able to communicate our concerns with new accounts prior to there closing. After 7 phone calls, the situation was so frustrating we asked for a Manager to speak to. We were given XXXX, who was quite unhelpful and disrespectful. I advised the associate on the spelling of my name, XXXX, several times but she decided to call me XXXX XXXX which after I corrected her, she still continued to call me by that name. This transacation clearly violates UDAAP and validates XXXX is predatory, stating they can do one thing while they clearly could not. 

All I wanted tonight was to cancel my credit card and ensure it did n't affect my credit since I we did this under false pretenses and within 20 minutes of the application. After delaying this request through transferring and hanging up, it surely was a tactic to ensure that my credit and their fee would be affected. 

They recorded each call of mine, therefore should there be a dispute of this. XXXX, the " supervisor '' of " customer service '' stated they ca n't review the calls. A decent debt collection/customer service company should have a quality assurance/compliance dept. that examines this but above exemplifies they do not value this aspect of business or their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Bank account or service (Other bank product/service) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: On Tuesday, XX/XX/XXXX, I received an email from Simple, the company that handles the accounts for BBVA-Compass bank. The email informed me that my prepaid account with them had been suspended because of an outstanding bill in the amount of {$700.00}. This was both perplexing and angering for three reasons of import : ( 1 ) I have never had a bank account with BBVA-Compass, other than this prepaid debit card, and have been unable to find any listing on the two credit reports I checked ; ( 2 ) I am perplexed what that bank has never made any attempt to contact me directly instead of using their surrogate, especially in view of the fact that I have had the Simple card for well over one year ; ( 3 ) I have all the communications I have received from Simple, but nothing from that bank ; I can forward those to you if you so desire. I have subsequently closed that account, especially after being told that I can never, ever again have a Simple debit card account. Any clarification you can discover in this obviously incompetent debacle will be appreciated. For certain, I have NOT had an account with BBVA-Compass Bank, for do I owe it anything ; quite the contrary! Thank you, XXXX XXXX, XXXX, Florida

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Consumer Loan (Vehicle loan) with GFS II, LLC (OH).
Issue: Problems when you are unable to pay

Complaint: XX/XX/XXXX I asked for hardship assistance with my car loan. I was told to make an XX/XX/XXXX payment and then we can apply me for a deferment to assist me. I did that. I never received deferment papers as promised. I am requesting a two month deferment on my loan to get caught up. My fiance ( also on the loan ) lost his job XX/XX/XXXX. He did not regain employment until XX/XX/XXXX. He has maintained that job and I would like to get caught back up. I just spoke to Gateway ( supervisor XXXX ) who refused my payment arrangement of {$500.00} on XX/XX/XXXX my next pay date. I have to pay my rent with this check that I just received as my rent is due on XXXX with no grace period. I explained the situation and was willing to add on {$100.00} to each payment but he refused my arrangement. They want a payment today or they are threatening to take the vehicle which will only further complicate the situation as my fiance will lose his job. He has to have the truck for his employment. All I was asking for was 11 days. Also, it should be noted that their website is not user friendly and to find the log in screen, I had to be guided just now by XXXX. I thought there was only a payment option ( one time ). I had no idea I was this far behind on the loan. It has been a nightmare dealing with Gateway. They do not have friendly hardship assistance for customers. Why just because I have a subprime loan are they making it harder on me? I feel like this company is benefiting from taking back vehicles from customers. They are being unfair and it was deceptive that I am just now finding out I am 3 months behind on this loan! I have received NOTHING by mail alerting me to this fact either! Normally you would at least get a notice by mail ( certified mail ) that your vehicle is about to be repossessed. I need help in dealing with this poor loss mitigation practice. A two month deferment would get me back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Midland Finance is suing me for a debt I do not owe. They are out of compliance with the Dodd Frank CONSENT ORDER & FDCPA. Midland called excessively and harassed my family and myself repeatedly. They refuse to validate the debt in question, they have no account level documentation showing any use of the alleged credit card, and they used robo signed affidavits in the lawsuit without the appropriate documentation attached. Midland and its attorneys failed to investigate disputes, they sent letters containing the verbiage forbidden in the Dispute Affidavit Lawsuit, attached an unsigned credit card agreement that does not relate to the account, and are relying on a sellers file but no account level documentation to back it up. They have filled out interrogatory questions stating that the original owner of the debt XXXX is not a party to the lawsuit ; they do n't know the documents they reviewed, but use the affidavit as proof of the debt. The bill of sale from the original owner of the alleged debt clearly states they make no guarantee of accuracy it is up to Midland to research and verify. The scant copies of alleged statements do not contain any purchases just a balance with alleged payments and the data in the statements is unreliable the math does not add up. I have brought to the courts attention that they are out of compliance with the consent order and FDCPA but it does n't seem to matter. I have asked numerous times in numerous court documents for an accounting of this debt and they refuse to provide this information. They do not know what comprises this debt yet they insist it is valid. The affidavits they have submitted are misleading and signed from a template with no attached account level documentation. The bill of sale does n't even reference the account in question. Midland has misrepresented that I have the burden of proof in litigation. Possible identity theft has been brought up in this case and they have refused to investigate. They have recourse through their bill of sale to have the credit company buy back the debt. My Credit Report shows I had a XXXX account but it was paid off and closed. Through discovery we asked for their processes and procedures and none of them would reflect the fact that they have changed their practices to better align with the CONSENT ORDER and honor the FDCPA. I am being sued unfairly by Midland / XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX in the state of Washington . Midland and its attorneys are clearly in violation of the Consent Order and FDCPA. This looks to be an intentional mocking of the consent order they signed. It does not look like they have changed their practices and continue to violate the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Checking or savings account (Checking account) with UMPQUA HOLDINGS CORPORATION (OR).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: Around  XXXX  we took a loan out wit h Sterling Bank  in  XXXX  Oregon. To make payments, we had to have a checking account with  Sterling Ba nk. Each month an auto payment was deposited into the checking account. After that, the money was rolled over into the loan to make payment.    Time has passed, Sterling Bank bec ame part of Umpqua Bank. For a few more years, there was no change in the initial process. A while back, I started to note {$3.00} charge for paper statements while I was receiving it electronically as well. I contacted the bank and was not able to resolve that issue.    Today   XXXX   XXXX ,  XXXX , I got into my account via online but was not able to see any information regarding the checking account or the loan. Therefore I contacted Umpqua Bank. The  Umpqua Representative questioned me about identification for security which I gave and understand.  Then the representative began to ask me specifics about the account which was why I was calling. My online bank account did not give me any information besides my personal information. She then required that I find a bank statement to provide the information. While getting the bank statement, I found a letter dated  XXXX   XXXX ,  XXXX , from Umpqua Bank. The letter ( in part ) said we have noticed you have not used your account for over 24 months. This classifies your account as dormant and therefore subject to a monthly service charge of {$5.00}.   At this point, I had my bank statement and asked about the  XXXX  dollar charge. Th e Umpqua  Representative responded that it was a federal law. I explained that it was not dormant because a not all payment went into checking, a transfer occurred to the loan and Umpqua Bank is charging 7.75 % interest on the loan. She explained that if I did not physically do anything with the account, it was therefore dormant. I asked her how this could be in a day when technology allows us to take a picture of a check. There are less and fewer bank consumers doing their banking physically. She continued to deny that the account was active and there are numerous {$3.00} charges as well as who knows how many {$5.00} charges have occurred.   At this point, I am being told by the  Umpqua Representative that my account is dormant while Umpqua Bank is making roughly {$100.00 } plus dollars and charging an additional {$3.00} along with {$5.00} each month. I find it difficult to believe that this is a law and request assistance.

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 01/18/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX is reporting a fraudulent account to my credit file I never had a XXXX card and I have call several times to tell them to remove it and customer service let me speak with fraud department and they said the willremove the fraudulent account I ending up filing a police report to have it remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2016 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (MD).
Issue: Application, originator, mortgage broker

Complaint: I am moving to XXXX in two weeks, so I need to fix up my townhouse to either sell or rent it out by XX/XX/XXXX. I have XXXX mortgages, XXXX and XXXX. So, I decided to combine the XXXX and refinance. So, I went to Quicken loans online to get pre-approved and then contacted a finacial person. He looked up my score and said he ca n't give me the loan because I dont have a score of XXXX according to the FICO XXXX they are using. They were seeing XXXX, XXXX and XXXX. But my FICO XXXX and XXXX Score for mortgages according to XXXX ( I subscribe to ) is FICO XXXX : XXXX, XXXX, XXXX - XXXX XXXX : XXXX, XXXX and XXXX not matching what they see. Something is wrong, I have the right to see excactly what the lenders are seeing. I need the extra money to fix up my place and this combined 15 year mortgage 2.75 % would put about a {$1000.00} in my pocket, thus freeing money to pay down on my debts in large amounts and quickly. Right now my first mortgage is {$1000.00} without taxes and insurance which I pay on my own and the second is XXXX a month, so that is {$2200.00} a mnth. Note : one is bank and the other is a credit union. I always paid my mortgage on time, no late payments. In fact the XXXX mortgage is taken right out of my paycheck biweekly.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Credit card) with Colorado Capital Investments, Inc. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Around XXXX of XXXX I, along with my employer, suddenly received an income execution from the XXXX about a default judgment allegedly entered against me back on XXXX XXXX, XXXX by Colorado Capital Investments. The original judgment was {$1600.00} and with interest the income execution now totals {$3600.00}. When I called Colorado Capital Investments ( as advised by the Marshals office when I told them I had no clue what this was about and why did they also send info to my employer ) Colorado Capital Investments informed me of the default judgment they had against me and that the XXXX were to collect on the debt. I explained to them I was never made aware of a default judgment entered against me and did not live in the state of XXXX from XXXX through XXXX so could never have received any notification of such. I was not even sure what the judgment default was for because it is over 12 yrs old. They said they would send me some paper work and ended up sending me forms saying they received my complaint of " fraud '' and requested info such as a drivers license, etc to prove my residence back in XXXX. I have no such info as requested, it has been over 15 years since XXXX and I was required to turn in my XXXX license in when I received a license XXXX when I returned in XXXX and I did not keep things such as residential leases, utility bills, etc from XXXX to prove my residence. More importantly, I never alleged fraud of any kind. I told them there had to of been process of service issues considering I did not live in XXXX at any time near XXXX. So not only did I not receive a summons and complaint, but I also never received notice of the default judgment entered against me. It is unfair practice to let a default judgment sit and collection interest for 12 years and then finally act on it when the interest is higher than the amount of the judgment. Moreover, I told them that when I began law school in XXXX I received a full credit report on myself to ensure that I corrected all debt issues before I graduated law school this past XXXX so that I did not have any difficulty passing the Character & Fitness portion of the admission process and advised them that no such judgment has ever appeared on my credit report. Because I was unable to come forward with any documents of where I lived in XXXX, Colorado Capital Investments and the XXXX office have continued to contact my employer only!

Company response to consumer: Untimely response
Consumer complaint received 12/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a XXXX account and the account was in barging with FTC which a complaint was submitted and responded to and so was the XXXX alerted and complaint was responded too. Which at that point due to sprint negligence with the FTC and XXXX this account needs to be removed. Documentation and proof is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief