milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Hi, I have previously submitted an issue I was having with Wells Fargo regarding modifying a loan. The previous issue was addressed and I attempted another modification. however, I was denied this latest modification based on the incorrect amount Wells Fargo used for my income, even though I spoke to underwriters and submitted paperwork to support approx XXXX a month in income. I received 2 denial letters in the mail on the same day, for the same loan, with XXXX different monthly incomes {$XXXX} and {$XXXX}, not the {$XXXX}. ( both were incorrect and off by over to {$1200.00}! ) ... I proceeded to appeal and explained the issue was later told that the appeal was denied due to not being able to find a program for me, ( they ran the incorrect number again ) not based on the incorrect amount that was submitted ... I spoke to underwriters prior to the modification to be sure that all of the income is correct and was able to be submitted ( {$600.00}. in financial contribution from my brother ( for my elderly mothers care ) was denied because he does not reside in my home ) other than that and using 75 % of the rental income ( which I did ), I was ok 'd with income which total was ( minus the unusable income ), approx {$XXXX}. per month. 
I did this modification with the assistance of New Jersey XXXX XXXX and they also ran the numbers for me to assure it was done correctly. 
I have tried to direct contact my previous point of contact from my last modification attempt, but I get rerouted to a reentry program. I have a sheriff sale on my house set for XXXX XXXX and I would like to try to resolve this issue with Wells Fargo and modify my loan with the correct amount of income before I lose my home. Thank you for any assistance you may be able to help me with, as I still wish stay in my home and raise my XXXX children. Regards, XXXX

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 07/18/2016 about Credit card () with DISCOVER BANK (TX).
Issue: Rewards

Complaint: Discover bank has a promotion where they double all cashback that you have earned at the end of 1 year. I enrolled in the promotion and even chatted with their CS team in order to confirm my enrollment. The chat agent informed me ( direct quote ) '' after reviewing your account I see that the enrollment was not completed as successful. I have already scheduled your account for the adjustemnt to have your cashback manually doubled. I will complete this at the end of your 12th billing cycle, then you will see it credited within two billing cycles after I complete the adjustement '' At that time and after not seeing my cashback post to my account, I contacted them and Discover bank flat out denies that I ever enrolled and they will not give me the cashback that I earned during the past 12 billing cycles. Banks should be required to keep to their word, and Discover should be required to pay me my rightfully earned cashaback award. According to my calculations they owe me over {$3000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-09-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX/XXXX/2015, I submitted a dispute online with Equifax to update my credit report that I paid an original creditor in full on a collection listing showing on my credit report. I also sent a letter dated XXXX/XXXX/2015 informing them of the same information. I paid the original creditor, XXXX, on XXXX/XXXX/2015, in full in the amount of XXXX, confirmation number of the payment is XXXX. Upon checking status of my dispute on XXXX/XXXX/2015, Equifax has updated the collection listing to show that the collection amount was 'Paid/Closed ' through the collection agency. I did not pay the collection agency, XXXX XXXX XXXX, I paid the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Consumer Loan (Vehicle loan) with Automobile Acceptance Corporation (GA).
Issue: Problems when you are unable to pay

Complaint: I called  Automobile Acceptance bec ause I am trying to fix my previous mistakes from 5 years ago. I am in the process of getting a financial license that requires me to explain past financial mistakes. It requires me to show proof that a debt has been paid, proof that a payment plan has been established and t hat 3 current pay ments have been made, or prove the debt is not mine and dispute with creditor and credit agency. I called  Automobile Acceptance aft er 5 years of not dealing with them. The account shows as a repossession, which it was, and I have not received a call or a piece of mail since the repossession. I have had the same phone number the entire time, since   XXXX  . I called them to discuss a payment arrangement and was offered an arrangement of 60 % of the balance for {$120.00} a month, or 50 % of balance for {$150.00} a month. I asked if there was anyway to do a weekly arrangement of {$40.00} a week so I can show that I have m ade 3 payme nts to the GA  Dept of Banking and Finance so I can proceed with my life and future employment endeavors. I was the n accused of wanting to pay jus t 3 payments an d then not pay them again. I never once said that. They said that they could not offer weekly arrangements. I was then sent to a supervisor ...  XXXX , the  Legal Manager. After much back and forth, she put me on hold and said I could pay {$50.00} a week, but it   would be on the entire balance of {$4600.00}.     They have not attempted to contact me for 5 years. I contacted them to try to take care of the deficiency balance. I never even received a letter stating the remaining balance after the sale of the vehicle. I want to work something out with this company, but it just reminded me as to why I regretted buying the vehicle in the first place. They prey on people in need and over price their cars and then charge you a ridiculous interest rate on top of the overpriced car. Its my fault that I did it, but I am trying to take care of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Consumer Loan (Vehicle loan) with KEYCORP (ME).
Issue: Managing the loan or lease

Complaint: Key Bank recently took over First Niagra. On XX/XX/XXXX, I contacted Key Bank as I had n't received anything from them since the changeover. I had made a payment on XX/XX/2016 and one on XX/XX/2016. This should have taken care of XXXX and XXXX payments. I was told by the man I spoke with " XXXX '' that he could see where I had made the XXXX payments but the XXXX on XX/XX/2016 was not credited correctly to my account. He told me that it was due to the change over and he was submitting it to the correct department to have it applied correctly and it would be fixed in 2-3 days. He assured me that it was due to the changeover and my account was fine and I did n't need to worry. On XX/XX/2016, I received a statement showing I am a payment late and I owe them {$740.00} this month. I immediately called KeyBank and spoke with XXXX. I got the same answer from him that the payment had n't been credited correctly and he was submitting it to be fixed and it would be taken care of in 2-3 days. I told him that is what the last guy told me and it still is n't fixed. He said he would follow up on it and call me the following day at XXXX. I have him my cell phone number as I would be at work. At XXXX the next day, I still had n't heard from him so I called the customer service number again. He stated he had n't heard from that department yet and would call me later in the day. When I got home from work I still had n't heard from him, but there was a missed call from collections on my home phone. I called the customer service number again and was told that they were working on it. I asked for a supervisor. I could n't quite understand her name. It was either XXXX or XXXX. She gave me a reference number of XXXX to use if I needed to call back. She also gave me a documentation number of XXXX and said this was the verification that I had made the payments. She assured me that it was being worked on. Today, XX/XX/2016, I received another collection call. I immediately called KeyBank. I again got the same story. I said this need to be fixed today and asked to be transferred to the department that was working on it. I was told that they do not have the ability to transfer to " the back office ''. I asked for a supervisor and was told there was n't one available. I said I would hold until one was available, and was told that a supervisor would not be able to give me any further information than what I already have. She refused to give me a supervisor and did not give me her name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with Green & Sons Agency, Inc. (UT).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have been continually harassed by XXXX XXXX XXXX for years over alleged medical debt XXXX XXXX XXXX ( XXXX ). They called my work many times while I worked in a XXXX workplace and were requested to stop. 

Several times they called to confirm I worked there and then hung up on me. Calling and hanging up on someone and not identifying your self is in violation of the Fair Credit Reporting Act. 

I requested from them numerous times of evidence that I had an agreement or contract for the alleged medical debt. The only evidence they had was an invoice but no contract or legal agreement. 

On XX/XX/2017 I paid {$2100.00} to XXXX XXXX XXXX for said medical debt. Please see the attached document showing I have paid the alleged debt. I checked my credit report on that date and today and the collection still exists.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Problems caused by my funds being low

Complaint: I called last month to PNC Bank to make sure that no direct debit out of my account since I do n't have any money in the account. Below is also the communication I had with one of their customer service team. { Thank you for choosing PNC Bank. This chat may be monitored for quality assurance purposes. The next available Online Consultant will be with you. 
Hello, this is XXXX. Thank you for choosing to use our online chat service. 
XXXX : Good Morning and welcome to PNC Chat! I 'm a Chat Consultant located in XXXX, PA. How may I help you today XXXX : I have not heard from you for a few moments. Are you still with me? 
XXXX : Hi, I want to make sure that PNC will not allow any payment request made in the checking account, since I do n't have any fund in the account. I do n't want to get charged insufficient fund fees XXXX : Hi XXXX, I would be more than happy to look into that request for you! Did you set up a payment to another company from your Checking Account? If so, how much was it and when was it done? 
XXXX : not that I am aware of XXXX : just make sure or post a note on the account that no payment is allowed until further notice. can you do that for me? 
XXXX : Sorry, are you expecting a payment to post to your account? I see that you are Opted Out of Overdraft Coverage, which means that you have not given PNC authorization to pay ATM and one-time debit card transactions into overdraft. This does not include checks, recurring debit card payments, non-PIN based debit card transactions or ACH debits where you have made and agreement with a merchant. 
XXXX : If a transaction comes through that is a check, pre-authorized payments and non-PIN debit card purchases may be presented to the account even if there are not funds. 
XXXX : no check will come through for now XXXX : Perfect! As long as nothing is scheduled to come through the account then you should be all set! In the case that an unauthorized transaction comes through, we can dispute that transaction and add all fees to the dispute to reimburse you. 
XXXX : ok thanks! 
XXXX : You 're welcome! May I address any additional concerns today in chat XXXX? 
XXXX : I am all set. thanks } I also called the merchant to do the same as well. However, PNC still allow the transaction to go through not once but 3x. In the process to charge me insufficient fund fee, returned fee. Does n't bank has a fiduciary duty to their bank account customers? So what I ever I requested on my account has no baring to what the bank want to do to make money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been in contact with XXXX as well as XXXX, XXXX and Transunion. XXXX  has removed some of the accounts but there are still 5 posted on my credit report. Transunion and XXXX have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with XXXX. I have nevwr had a loan with this company. I sent notices since XX/XX/2017 to no avail.

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 04-04-2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Delinquent account

Complaint: In XXXX I opened a company. I had a business checking and savings account with Chase. The business began to make money. Chase offered me a business credit card - just sign here. So I opened card ending in XXXX. There was no attempt to advise me that this business account could - on certain occasion - impact my personal credit history. The business card was reported to TIN XXXX. 

The business held the card from XXXX until the business closed until XXXX. ( See final return ). However I continued to personally pay off the balance of the card after I had moved from XXXX, where the business was domiciled, to XXXX in XXXX. Chase Bank sent promotional offers to my new address. I also received some old business mail, which was forwarded to my new address as well as junk business mail. 

XX/XX/XXXX I was notified by the bank that my payment on card XXXX was 30 days late. The business card which had never been reported on my credit history, all of a sudden appeared on my personal credit report. I had no idea what was going on, just that my score had dropped and this was very damaging. 

I immediately called Chase business services. The Chase Business Services Representative told me that if I paid the balance by XXXX XXXX this would not affect my credit and would not move to a new department which I assumed to mean Collections. He told me that the only instance in which the negative ding could remain on me personal credit history is if the account goes into default. The account was paid in full by the end of the month. See attached copies of confirmation of payment, confirmation of XXXX balance and confirmation of business and not personal account letters from Chase Bank. I have also included the credit reports from the agencies that have failed to delete this entry from my credit report. XXXX has deleted the closed business card ending in XXXX. Unfortunately XXXX and XXXX have not removed this disputed reporting. 

I believe Chase Bank employed several unfair and deceitful practices on me. They failed to advise me of credit risk before accepting their business credit card. They further obfuscated the risk by never reporting the business card on my credit history - leaving me totally unaware of the risks involved. They misadvised me to pay off the card. They flout the law, which only calls for a business card to be reported in the event of a default. I paid the balance of the card off in 2 months. By law, this should have been deleted, as I have requested numerous times. 

I would like to file a report against Chase Bank as well as XXXX and XXXX to have this closed business card removed from my personal credit history. It was never there before and does n't belong here now, especially since it was closed and the balanced paid to XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I noticed a hard inquiry that lower my credit score and it was Ccb/ppc dated for XXXX XXXX, 2017. So I XXXX it and came up as Pay Pal so I called them at XXXX and spoke to XXXX and was to send me instructions by email to dispute it. So far I do not have the instructions. So I am writing today for your assistance to remove from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2017 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (IL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I leased a vehicle from Kia Motors and shortly after that I got married and changed my name. I 've attempted to update my name with Kia Motors since XX/XX/XXXX and have not had any success. 

As of XX/XX/XXXXI moved from XXXX ( where I originally signed the lease ) to XXXX. The XXXX DOT requires that I register my leased vehicle within 90 days of moving. 

At the XXXX DMV they are requesting formal communication from Kia Motors about my name change and also about sales taxes that were paid in XXXX. 

Because Kia Motors is not responding to my request for a name change and has not submitted the proof of tax payment from my lease, I am unable to register my vehicle. 

At the end of XX/XX/XXXX my vehicle registration from XXXX will expire and I will be unable to drive my vehicle legally since the XXXX DOT does not want to use my marriage license as proof of name change. 

I 've attempted to contact Kia Motors about my name change multiple times, and have reached multiple different consumer affair specialists in the last few days. They have yet to process my request of name change and to submit the information to XXXX DOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification with Wells Fargo after I filed for bankruptcy protection Chapter XXXX to reorganize my debts. I was approved for a Trial Loan Modification and Trial Plan Payments ( TPP ) under the HAMP Tier II program. The TPP started in XXXX 2015 and would continue for three months or until Wells Fargo approved the permanent loan modification. 
I consistently made the XXXX, XXXX, XXXX, XXXX, XXXX and XXXX 2015 mortgage payments. 
I received a letter from Wells Fargo dated XXXX XXXX, 2015 that advised that they were cancelling the loan modification because I did n't get approval from the Bankruptcy XXXX. My bankruptcy attorney contacted Wells Fargo and explained that approval from a judge requires consent that a permanent loan modification will get approved. I called Wells Fargo to get an extension of the TPP or to get an extension of time to get a Motion for Approval of the Permanent Loan Modification. However, Wells Fargo advised me that I had to start the entire process all over again and that if my financial situation has n't changed, they were prohibited from accepting another application. The foreclosure process would start as Wells Fargo did n't apply the TPP toward the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Prepaid card (Payroll card) with NETSPEND CORPORATION (NC).
Issue: Fraud or scam

Complaint: I received a netSpend prepaid MasterCard in the mail for which I never completed an application. I have never dealt with this company and do not know how it has my information. Additionally, the card was sent to the temporary address where I am living, which makes me even more suspicious of the company and the offer. A XXXX search showed many other complaints about this company and the fees charged for everything from checking your balance to using the money you load or have deposited on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The TransUnion Credit Bureau is reporting XXXX adverse accounts reported by XXXX. These XXXX accounts were being reported previously by XXXX and XXXX XXXX XXXX at the same time. Case # XXXX cfpb TransUnion remove XXXX credit reports and let XXXX reports. 
Then, I applied to TransUnion live XXXX of the due credit report adverse accounts that by asking evidence of debts pointed out me that I convey to the XXXX collection agency to discuss the claim since it does not belong to. I understand that XXXX not debt owned him legally and still it they are reporting it to the credit bureaus.

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 10/24/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Deposits and withdrawals

Complaint: I had a rental car stolen from me XX/XX/2015. I got the car back for the company XXXX XXXX XXXX in 10 days and negotiated a payment of {$530.00} which they accepted and then turned around and forced a {$3000.00} charge through my bank ( JP Morgan Chase ) which allowed them to do so without even hearing both sides or accepting the facts on the fabricated invoice that XXXX submitted. Chase then took my entire social security check for 5 months and bounced all my auto-pays and payments I made while I fought them and got provisional credit during the dispute. They would then turn around and return those payments and charge me for them. They had even told me ( several customer service agents and supervisors ) that it was illegal for the bank to take my entire social security benefits but then they would do it again. I lost my home after 17 years, my storage units, everything I had and had worked for. Finally I lost my dogs this year because I had no place to live and my outstanding credit score I had last year was shot from over XXXX to below XXXX because of their actions. In an " attempt '' to negotiate the dispute the bank called XXXX with me on the line but the service rep did n't want to wait on hold for 20 minutes we were put on hold, said she 'd be back on the line and never came back on leaving me to dispute the matter with XXXX myself. I had full auto coverage on my private policy with XXXX XXXX at the time and had also purchased the smallest policy for incidentals with XXXX at the time of the rental and neither the bank or XXXX took that into consideration nor submitted claims.

Company response to consumer: Closed with explanation