milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2017 about Debt collection (Auto debt) with WELLS FARGO & COMPANY (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I n  XX/XX/XXXX I  went to the  XXXX  dealership and finance a  XXXX   XXXX   XXXX . Unfortunately, within the first month my vehicle had been involved in an accident that was not to be covered by my insurance company. The mechanic shop closed  for 3 weeks as they were  in the process of changing their name due to legal issues and Wells Fargo was well aware. Despite the fact that Wells Fargo told me they would be recovering my vehicle from the auto body shop and auctioning it off to cover their fees as well as the mechanic shops fees this did not occur. The mechanic shop was able to obtain a lien on my vehicle and sold it for  XXXX  at an auction. Despite my written attempts to get it removed it still remains on my credit reports for the full balance of the car loan as I had not yet had a payment due at the time of accident.

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 04/14/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XX/XX/XXXX, I submitted a complaint to the Consumer Financial Protection Bureau, stating that Equifax has not responded to my request to investigate erroneous, inaccurate and incomplete information in my credit file. After the complaint was filed, a partial response was returned by Equifax stating that they will investigate the disputed items and get back with me within 60 days. This is totally unacceptable. Federal Law clearly states that a Credit Reporting Agency has 30 days to respond to a consumer 's complaint or dispute. The original dispute was filed on XX/XX/XXXX, and it has not been resolved yet. It has been over 120 days and they are still saying it will be another XXXX. Why even have Federal Laws if the Credit Bureaus do not follow them and are not held accountable. At this point, I am making a formal request that the disputed information be immediately deleted from my file, since no evidence has been properly established as to the validity of this erroneous information in the time allotted by Law.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Rewards

Complaint: To Whom It May Concern, My name is XXXX XXXX. I have Chase Freedom credit card from Chase Bank. The Chase Freedom credit card comes with a card holder benefit that you can earn 5 % cashback bonus on certain spending categories each month offered by the Chase Bank. 
I have signed up the 5 % cashback bonus program for XX/XX/XXXX that includes spending at Supermarkets XX/XX/XXXX. I have XXXX Chase Freedom credit cards and I have always signed them up at the same time. 
Under the impression that I am eligible to earn 5 % cash back on spending at the Supermarkets, I have used one of Chase Freedom credit card for all my spending at all Supermarkets that I shop for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I did not see any cash back bonus earned on my credit card statement for these months. I finically made a phone call to Chase Bank questioning about my eligible 5 % cash back bonus, and to my shook they told me the only credit card that I signed up for the second quarter cash back bonus program is the one that I did not use at the Supermarkets and the credit card that I did use at the Supermarkets was never signed up for the program at all! 
What more troubling to me is this is not the first time that had happened with my Chase Freedom credit card that they claim I did not sign up the cash back bonus program and all my eligible spending were excluded from it. Chase Bank used to send out a confirmation email to the customer when they sign up for the quarterly cash back bonus program, but they have stopped doing that for the past few years. The only way consumer can verify their sign up status is view through Chase account online. 
I am like most of consumers do not do a screen print when you signed up the cash back bonus program, and that is where I believe the Chase bank had engaged in targeting certain high spending consumers who signed up the program, but do not provide them with any confirmation then later remove them from the program to eliminate their eligible cash back bonus and to boost the bank profits at same time. 
I believe I am not the only victim that had fall into their traps, and it has become a new tactic for Chase Bank to boost their profits by cheating on consumers like me. I believe Chase Bank 's actions have constituted a fraud and it worth further investigations by the Federal Government. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (Conventional fixed mortgage) with Core Advisory Group, LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I would like to report this company Core Advisory Group XXXX, LLC out in California has scammed me out of {$2200.00}. My property just got foreclosed on so I contacted Core Advisory to seek help to see if they can reverse the sale of my home. I spoke with XXXX XXXX who promised me the world to convince me hire them. I had explained to XXXX XXXX XXXX that the lender had offered me a " cash for keys '' settlement of {$2000.00} if I agree to move on within 30 days. XXXX XXXX XXXX informed me that he can get me a better larger offer and the way they will do this is by filing complaints with the government agencies to force my lender to give me a better " cash for keys '' offer than {$2000.00}. He also told me the complaints can also force them to get me into a rental agreement where I can just lease the property and not have to move out. For me to do this it would cost me {$1600.00} upfront and {$500.00} per month for the next XXXX installments. So I signed up with them on XXXX/XXXX/2016 and paid Core {$1600.00} upfront. After I paid them, the only communications I got was from their paralegal XXXX who advised me to file for a Chapter XXXX bankruptcy and stated that is the only way to buy some time. So she went ahead and prepared the bankruptcy papers for me and provided me instructions on where to file the bankruptcy petitions. I am disappointed to learn later that the bankruptcy I had did little to any effect as it only delayed my eviction for only a few weeks and I ended up receiving a notice from the XXXX stating " writ of possession '' and I will have to vacate in 30 days. Not once during this whole process did I see them file any complaints on my behalf to my lender and no negotiations with my bank ever took place. It was all a lie and a scheme to get me to pay them upfront to get no where and to make the sitatution worst, the offer from my lender of {$2000.00} to relocate has now been taken off the table so not only did I ended up having to fork up over {$2100.00} in thinking I would get a better cash for keys offer and now I 've lost the {$2000.00} offer that my bank originally offered me to move out. This is a scam. I want my money back in full. They ruin everything for me. I was also advised that I was given legal advice to file bankruptcy from a non-licensed attorney so they also was practicing law without a license. This company needs to be shut down. I later went onto their website to find the address, and they have taken down their website. There is no contact number but a messge stating they will no longer take new businesses. Now that is just proof that they are just out to scam people and disappear on them. I hope you will find this guy and put him away for good. Please help me get my {$2200.00} I paid to them, they did nothing to deserve that.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: I am new to united states and last year in XX/XX/XXXX I was assigned with my residency, work authorization and social security cards. I was educated as I have to built my credit I always stayed very low and alert on credit applications. I had a credit card issued by my spouse as a shared card initially so I can start my credit reporting but unfortunately that did not help. Hence I applied with XXXX & XXXX ( XXXX & XXXX XXXX ) credit cards as they assist with low limits unsecured and report to all credit bureaus. I was approved and started using the cards and making on-time payments. Also XXXX XXXX and XXXX XXXX offered me unsecured credit cards and I accepted them. 
Since then I had been trying to access my credit reports on -line with these bureaus ( XXXX / XXXX & Experian ), they always stated that they were unable to verify my identity as I am very new. Never received any supportive assistance. 
Then i registered with XXXX XXXX / XXXX XXXX & XXXX XXXX so that i can keep checking where i was with my credit score. 
Suddenly i started receiving credit alerts from card companies, personal loan companies & auto finance companies. These alerts were hard inquiries on my report without my authorization. 
So i called XXXX / Experian & XXXX and i asked them to do something about it, again the response was very lame from all the three organizations because they were not able to verify me due to new social security number. Hence i asked them to place a security freeze on my file which i read on the annual credit reporting website. 
The dilemma still did not stop as several inquires were initiated and i kept on getting alerts for the same and finally my score kept going down. 
I raised several disputes with XXXX as XXXX XXXX Experian always said that they can not verify any information for me. 
I seek your assistance for the same as this is affecting my current situation as now i am full time employed with a reputed XXXX institution as a XXXX XXXX and am looking to get a Auto - Loan and i do n't want any such discrepancies affect my purchasing power. 
I have somehow experienced identity Theft too as i keep on receiving several calls from Auto Loan collections agencies asking installment amount on my XXXX XXXX XXXX / Student loan payment. I do n't have any such credits and these calls keep on asking for money. 
I seek your assistance to resolve the same as i tried my best but had no response. Probably if this goes from your organization i am sure they would all wake up and start working on my request and save me from the Fraud inquires.

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 10-02-2017 about Debt collection (Credit card debt) with SUNTRUST BANKS, INC. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Account XXXX was placed with a law firm. I settled this matter XXXX weeks ago for XXXX and SunTrust still showing balance is owed. Balance needs to show settled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The last payment on this account was XXXX XXXX claim the last payment XXXX I wrote XXXX a letter asking for a payment identifier for the last payment the only thing i got was who the account was sold to so i contacted XXXX XXXX XXXX XXXX XXXX and spoke with XXXX on XXXX at XXXX she advised me that XXXX XXXX XXXX n't have the account. How can XXXX report to the credit bureaus the last payment but they ca n't send me the last payment identifier.

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 05-07-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AR).
Issue: Problems caused by my funds being low

Complaint: I recently submitted a complaint against Regions Bank in regards to their illegal practice of changing transaction orders in an effort to charge more overdraft fees than would have been made had the original transaction order been kept. I have just received a letter in the mail from Regions Bank regarding this complaint. In this letter they say that they have reviewed our accounts and they can find no instance of an overdraft fee being charged on a day when the transaction would have been under {$5.00}. Therefore there was no bank error so they can not refund our money. Of course they ca n't find an instance of it happening because they changed the order of the transactions before they charged us the overdraft fees. I feel I am getting the same run around as I did when I contacted them before about this problem. They ca n't find a problem because they did such a good job at covering up what they were doing in the XXXX place. They will never find an instance of it bc they changed the transaction order. That is the problem. That practice is illegal. They have been fined and sued over that very practice already and yet here they are doing it again and getting away with it because they say they ca n't find a problem they created. Please help us! This bank is taking advantage of consumers ' trust and ruining our lives. Because of what this has done to our credit we can not get loans, financing etc. we struggle to get things we need to live a normal life and are harassed by collection calls in reference to the debt caused by this banks practices of changing transaction orders. We can not be the only ones they are doing this to. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Credit card protection / Debt protection

Complaint: I was moving to in XXXX of 2016 XXXX and on the way there I got a call saying my card was being used XXXX where I used to live. I told them it was not me and to cancel the charges. come to find out the canceled them then put them back on my card with out telling me. XXXX of my purchases on the way XXXX was a Hotel room XXXX a day before the first fraudulent transaction happened. I was clearly not any where near XXXX when those purchases were being made and bank of america refuses to accept my claim.

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 10-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Transaction issue

Complaint: I have several Kohl 's cash I have been trying to use because they expire on XXXX/XXXX/2016 ; XXXX/XXXX/2016 ; XXXX/XXXX/2016. 

I have been billed on my Kohl 's Capital One credit card {$9.00} for order # XXXX ; another {$9.00} for order # XXXX ; and yet another {$24.00} for order # XXXX. I received an email from Kohl 's representative XXXX XXXX XXXX stating " XXXX, I have verified that your order was cancelled due to information mismatch ''. Consequently, we re-entered the information correctly so there was no " mismatch ''. Still ca n't get the order processed before the Kohl 's cash expires. Very frustrating. Have over {$100.00} of Kohl 's cash that needs to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: I am in a Chapter XXXX Bankruptcy case and Wells Fargo refused to consider my loan modification application even though the automatic stay is in place. They have adjourned my sale date in incremental amounts to ensure that they would not have to evaluate my loan modification application which is a violation of the automatic stay. 

XXXX from Wells Fargo is the employee that violated the Federal Automatic Stay by refusing the evaluate my loan modification application. 

I am also filing a motion for sanctions for violations of the automatic stay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX reported a debt in my name of {$1100.00} to XXXX XXXX XXXX on XX/XX/2017 claiming I had defaulted on a 2 year contract and not paid the first months bill, causing an account disconnection. Contacted XXXX to advise them that i have never had phone service with them. The claimed the debt was valid. When i asked for a copy of the contract that I had supposedly agreed to I was informed that there was no contract and that it was an in store sale. They advised me to contact the local authorities to file a police report for identity theft. The local police would not be able to file anything as there is no paperwork, no phone number, no date when the service was opened, no account number that XXXX would provide. The reason they could not provide it was that I wasn't able to verify any of the information, obviously because I had not opened the account. The only information that I was able to get was that it was sold in a store in Missouri. I live in Virginia, have no relatives or friends in Missouri, and gave no one in Missouri permission to open a phone in my name. Disputed the issue with the XXXX XXXX, and XXXX who all came back and claimed the debt was valid. All agencies claim it meets FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with BROKER SOLUTIONS, INC. (CO).
Issue: Application, originator, mortgage broker

Complaint: I am trying to refinance my mortgage with another provider but because my current mortgage company switched servicers from a third party to in-house, they have stopped reporting to the credit agencies. They have not reported since XXXX 2015 and will not start again until XXXX 2015. They told me they wo n't report until XXXX but I am trying to refinance now. The credit agencies are reflecting my credit score as XXXX without a mortgage. Because of this, my score is lower. Because of the lower score ( XXXX without a mortgage ) I ca n't get the program I need to get a lower rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (FHA mortgage) with HUNTINGTON NATIONAL BANK, THE (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I sold my house and closed on my mortgage with Huntington Bank ( XXXX/XXXX/XXXX ). Everything was completed and I have possession of the final mortgage release ( XXXX/XXXX/XXXX ). I received a VERY vague letter from Huntington ( XXXX/XXXX/XXXX ) stating that I was paid {$5600.00} in error and that I need to repay that amount. This letter included no detailed explanation and no due date. From the beginning, there have been many questionable transactions with my mortgage. I checked my payoff amount ( on line ) right before the closing and it was significantly lower than I expected. My balance showed that a large amount had been paid to the principal. When I called to check on that, it mysteriously got corrected with no explanation at all several days later. At closing they had the escrow amount incorrect and had no record that I had paid my taxes/insurance. I had to prove that it had been paid and they sent me a check for that amount after closing. I have spoken to XXXX different representatives from Huntington ( XXXX XXXX and XXXX XXXX ) and have requested each of them to provide documentation regarding this particular transaction. To this date, I have received NO proof of what transpired that has caused them to request this payment from me. I do n't understand how Huntington Bank, a company that 's business is mortgage loans, can have so many issues with my mortgage. Obviously they have problems within their company. I should not be the one that suffers due to their inability to close my mortgage properly. Huntington has been very unprofessional while handling my mortgage and I do n't trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Problems caused by my funds being low

Complaint: Dear Sir/Madam, I recently incurred multiple overdraft fees from PNC bank and it was clearly manipulated such that all checks " batched '' on the same day were ordered from " highest amount '' to " lowest amount '' in order to purposefully " cause '' multiple overdrafts. We 're looking to switch to another bank ... have been a loyal customer for XXXX years but this is extraordinarily unethical ... it borders on sinister and devious. Did I mess up? Absolutely. But had they ordered the checks lowest to highest, the overdraft WOULD NOT have been triggered until the very last check. Instead, I have XXXX or XXXX overdrafts as the largest check was intentionally processed first. Extremely angry in XXXX, MD. It may be legal, but it does n't make it right. Thanks for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NY).
Issue: Trouble during payment process

Complaint: my loan servicer is seterus.they have over charged me for over a year on my school taxes. i received MY XXXX STATEMENT AND IT STILL HAD THE OVERCHARGED AMOUNT IF I DONT PAY IT I HURT MY CREDIT my mortgage servicer is seterus. in XXXX i received a letter stating my taxes went up. i checked with the town clerk and brought my statement to her. she told me they had been overchargeing me for over a year. i called seterus and they said they would refund the difference to me. my next mortgage payment still has the wrong amount. i called and got no where. if i pay the correct amount it will hurt my credit. im in a no win situation

Company response to consumer: Closed with explanation