milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MA).
Issue: Taking out the loan or lease

Complaint: XXXX 2014 I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX. I was told the vehicle I purchased had only XXXX previous owner and was a clean no accident car. It had a retail value of XXXX. I purchased the vehicle and took a loan with Wells Fargo for {$14000.00} I currently owe ( {$9700.00} ) I went to trade this vehicle in after visiting XXXX XXXX Book to get an approximate value. XXXX XXXX pulled up the XXXX to find that I was the XXXX owner and there had been XXXX record-able accidents and the current trade in value of the car was {$570.00} Wells Fargo never should have issued a loan on this vehicle as at time of purchase it was only valued at {$2500.00} I can not trade this car in, and selling it privately is a night mare. I feel Wells Fargo should " Forgive this debt '' and either allow me to sell it at a much lower price, paying them what I receive or take the car themselves to sell. I currently have Gap Insurance on this vehicle. Its very obvious that Wells Fargo 's Auto Loan Practices are in question.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Mortgage (FHA mortgage) with CIT BANK, NATIONAL ASSOCIATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Lender, Financial Freedom, loan XXXX, took the liberty of depositing a check XX/XX/2016 into their account payable to Financial Freedom and Estate of XXXX XXXX, without my signature of her court appointed personal representative in the amount of {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The mortgage company ( Chase ) is going to force us to take their insurance in 21days from their notice dated XX/XX/17, though we have our insurance already. Chase Bank claim that the insurance we have does not satisfy them because the property address on our insurance is incorrect. However, the address we have is correct and what they have is incorrect. 
Our property address is : XXXX XXXX XXXX XXXX, XXXX CA XXXX, which is on our property tax bill and on escrow closing paperwork. 
Bank is claiming, our address should be : XXXX XXXX XXXX XXXX, XXXX CA XXXX There is no XXXX XXXX XXXX in XXXX. 
We have been telling them many times, but they keep telling us they will force us to take their insurance if we do not change to incorrect address. Documents we sent them few times are attached. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Credit card () with PENTAGON FEDERAL CREDIT UNION (NM).
Issue: Credit determination

Complaint: Today I applied for a PenFed Credit Union XXXX card and was denied. I have good income for years, and my XXXX score is XXXX, and XXXX is XXXX. I am XXXX, however, and I think my last name may be red-flagged by PenFed. Why else would I be denied? I just recently was approved for a XXXX card with a {$6000.00} limit, and a home improvement loan of {$30000.00}. This is unprofessional, and CFPB should look into this. The same thing happened to me at XXXX last year. Something is amiss. And it 's not my credit.

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 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/2015 I contacted a creditor in regards to a {$1.00} past due bill and was informed that do to the amount owed, the account was closed out ; however, the debt collection agency has failed to remove this {$1.00} debt from my credit report - showing a derogatory remark.

Company response to consumer: Closed
Consumer complaint received 06/29/2015 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: they will not let me dispute these, what they have on them are wrongXXXX Dispute this itemAccount Number : XXXXDate Opened : XX/XX/XXXXStatus : Discharged through Bankruptcy Chapter XXXX this was paid not chapter XXXX by me with money orderXXXX XXXX Dispute this itemAccount Number : XXXXDate Opened : XX/XX/XXXXStatus : Paid, Closed. 

XXXX XXXX Dispute this itemAccount Number : XXXX .... 
Date Opened : XX/XX/XXXXStatus : Paid in settlement. this was not settlement i paid full bal

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (GA).
Issue: Deposits and withdrawals

Complaint: I sold a phone on eBay. The seller paid via PayPal. PayPal waited until I shipped the phone to the customer then froze my account because of a debt they claim I owed in 2004. I was never sent a letter about this account and they will not show me valid proof that this is my account. They are holding my funds in the account and will not release them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with DISCOVER BANK (AZ).
Issue: Rewards

Complaint: I made a purchase of {$480.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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: Adverse account reporting incorrectly on credit 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 06/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problems caused by my funds being low

Complaint: I went into the branch of Chase Bank and requested sheet of checks .. The Bank Teller asked which account I wanted to cks printed from and I provided that to her..Checks were printed ..I wrote the checks and when they came in they came into the wrong account which caused the account to be overdrawn. I recvd a {$35.00} Fee and I called customer service and was told I would have to go into the Branch and discuss.. .I explained it was a BANK ERROR and how they could not help me as they have in the past ... Bottom Line this was a BANK ERROR ... The funds were AVAILABLE but in the account in which I had requested the checks to be printed from!!!! I have been w. Chase for over 10 years!!! The fact I was given this kind of grief over {$35.00} is pricesless. I work at Esurance and deal with customers each and everyday ... clearly the difference between myself and Chase is I show EMPATHY to my customers! And I do n't act like the $ from my company is MINE and if there was an error I would be happy to handle ... I am a single mother so money is tight.. I work XXXX jobs and explained to not only XXXX in customer service who took the call but her ALLEGED supervisor XXXX from the Texas Branch I simply DONT have the time to go to branch to sit in a line to discuss a fee of {$35.00} ... Bottom line this is a BANK ERROR and I should not have been given ANY grief over such ... I am requesting someone look into there actions and please help as clearly if nothing is done I will be happy to take my business elsewhere which I know the bank does n't care since I am ONE person but I can assure Chase I will be happy to let anyone know I come in contact with how they handle their customers and LOYAL customers at that. 

thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There were discrepancies on my balance at my dentist office, for instance charges for services I did n't receive. XXXX of the owners, the dentist 's husband actually said he would review it. He called and left a voicemail on my phone on XXXX of 2014 stating that he was going to clear my balance. This year I received a call from the same office stating I had a balance! I then returned the call with no answer and explained the misunderstanding and to call if there were any further questions. Now there is a collection placed on my credit for that same amount. I still have the voicemail ... Thank goodness for technology! I am currently in the process of buying a house, this would prevent me from doing just that. How can I go about getting this removed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Billing disputes

Complaint: I have an account with target I pay my bill on time every month but I have noticed for the past few months when I check my available credit it tells me I have a certain amount then 2 days later it 's gone ex paid XXXX bill on the XXXX went to target spent XXXX on the XXXX I only have {$9.00} available credit called them they told me it was interest for XXXX I asked them is n't XXXX interest included in my XXXX payment and he said yes so the why I see it I 'm paying interest twice. I told him if I have {$200.00} credit available at XXXX XXXX and I spend XXXX I still have XXXX left until my next billing cycle I have never heard of this type billing before

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Mortgage) with Professional Debt Mediation, Inc. (GA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: The Initial creditor XXXX has lost paperwork and only produces half of the paper work we signed. Its sad because the other person in the lease agrees that he signed lease addendum to let me off the lease. The Management denied us the paperwork and only selected to use only the lease which we had signed before.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Payday loan debt) with SECURITY FINANCE CORP (ND).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had pay day loans with a place called Continental Loans. When I lost my job I could no longer pay what was due and I explained this to them. They at the time said they would make it a charge off. Which it did appear as a charge off. A few months later they sold the debt to XXXX XXXX ( a bottom feeding collection agency ) and they have harassed us for going on 2 years about this by calling several times a day despite us asking for communication in writing only and they continue to report this to the credit monitoring companies so it appears every month or so on our reports to knock them even lower. 

We debt was paid and we do not owe it. We took XXXX XXXX to court several times and had this dismissed. At one point we even had a lawyer sue them for making false threats of imprisonment, arrest and warrants against us and we were awarded {$1000.00} for the harassment. 

We just want this place to stop bothering us and let us clear our credit up without having them constantly hounding us and putting things on our credit 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 02/27/2017 about Student loan (Non-federal student loan) with MOHELA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Hello. Our daughters Private student loans are being uncooperative as to extra fees, taking parents off as co-signers and ability to consolidate loans for better rate equals saving and lower, payments. We have asked repeatedly. They also call repeatedly harassing us at our home which is illegal. Lenders are XXXX XXXX and Mohela..these loans are from 2006 it 's time that this is paid off and matter closed. Our daughter needs her life back so do we. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Consumer Loan (Installment loan) with Penn Credit Corporation (FL).
Issue: Problems when you are unable to pay

Complaint: There is a company named Penn Credit Corporation keeps calling me and I have never even heard of these people. 
I do n't owe anybody. Can you please have them stop calling. They have been calling for months. Their phone number is XXXX. Thank you for your help. I marked the above form as I did because there was no place to put " other '' situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Student loan (Private student loan) with AES/PHEAA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This is a follow-up to complaint #XXXX regarding American Education Services.  Despite talking to customer service in XX/XX/XXXX, I still have received NO new information regarding my application for discharge for total and permanent disability.  Instead, I have received bills for interest.This morning (XX/XX/XXXX), I received a call from XXXX, employee # XXXX, regarding my "past due" balances of $XXXX.  She had NO knowledge of my application for discharge nor the pending complaint.I informed her of the pending discharge and of the previous complaint.  I noted I was going to file a follow-up complaint.  I also requested that I receive NO more collection phone calls.  It is time for them to complete the review of my application and discharge the loan!  It has been almost a YEAR since I started this process and I have received FALSE information from them regarding the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2016 about Student loan (Non-federal student loan) with AES/PHEAA (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: For almost seven years, I have been paying on my student loans through American Education Services ( not who we chose, but the bank we got the loan through sold to this company ). I make my payment online. I also have been paying my brother 's loan for 4.5 years but his has had to be paid by check with very specific information so it goes to the correct loan ( which is what AES told us to do since his online account was blocked ). 

In XX/XX/XXXX, my brother started receiving late notices, though I paid his loan every month. At the same time, my normal monthly payment was different every other month. In XX/XX/XXXX, we finally realized that AES was applying the payments I was sending for my brothers account ( with the very SPECIFIC information that I had sent for 4.5 years with no issues ) to my account. I was able to speak to a supervisor and she was able to see what happened. She said they would take that money out of my account and put it back in my brother 's, but that my account would show a delinquency. I thought that was wrong since I had done nothing wrong and had fixed their mistake for them, but said I would make up the difference for what they took out of my account ( {$520.00} ). Which I did, in less than a month ( I called them XX/XX/XXXX and paid in full by XX/XX/XXXX ). The same day I made the final payment to correct their mistake, I got a notice from credit reporting agencies that my credit score had dropped XXXX points. My credit report also shows that I have 60+ days delinquency on these loans when I was NEVER late. Because they misapplied payments, then I corrected them, I was hurt for it. What they made to show online was that I had been late every month since XX/XX/XXXX so they charged me a late fee every month. AGAIN, I was never late. They were misapplying the payments. I was paying on time every month. 

I have submitted XXXX credit disputes with them and have had no luck. They are still continuing to say I was delinquent. 

On top of that, the next month, after we had this all straightened out, they misapplied his payment AGAIN. When I called to tell them I would not pay the balance on the screen ( that was the wrong amount since they had put my brother 's payment in my account ), they could n't understand why I would n't make that payment. Then after I made the correct monthly payment, I got a notice saying I was 18 days late because they misapplied my correct monthly payment and only paid XXXX of the XXXX loans I have with them. 

They continue to make mistake after mistake and take no responsibility for it. I have said to them " you would be fighting this too if it was your credit '' and they never deny it. Even an XXXX customer service rep could n't believe what was going on. 

If I had made this mistake, I would own up to it and take care of it, but I am being faulted for something I did not do wrong. It is not right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We consistently receive phone calls to our home number from Portfolio Recovery Services. I have asked them not to call and confirmed we do not have an account in debt collection. They continue to harrass us by contacting our home number and hanging up or leaving a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Medical) with Revenue Assistance Corporation dba Revenue Group (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had insurance. And I reported the debt to this company and the company charged me XXXX!! They charged me XXXX more dollars to my credit now they are saying I owe them XXXX and its overdue. I dont owe them nothing and they cant charge me XXXX firstall. What is going on with this company. Why are they charging me AGAIN! I have insurance so why isnt my insurance covering it. This is HORRIBLE! PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Mortgage (Other mortgage) with NATIONS TRUST MORTGAGE CORPORATION (TN).
Issue: Settlement process and costs

Complaint: A loan ( line of credit ) was received from Nations Trust Mortgage Company XX/XX/XXXX in the amount of {$73000.00} as a refinance for a home. XX/XX/XXXX, the home was sold and Nations Trust Mortgage Company was paid off. However, we were charged a early termination fee of {$3600.00} that was not in the original agreement. I believe we were charged a fee that we should not have paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Vehicle loan or lease (Lease) with AUTO TRAKK LLC (PA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I got a XXXX XXXX XXXX leased vehicle from XXXX XXXX XXXX XXXX. The price listed was for XXXX, the dealership said I was approved by Autotrakk leasing company. After getting home I got a call from a representative from Autotrakk telling me the cost of the vehicle which was now {$28000.00} I told the representative the price was incorrect. The representative said well that 's what you signed for a there is nothing I can do because the car is in my possession. The dealership would not return my calls or except the car back. After leasing the vehicle for 2 years I was unable to keep up with the payments. Autotrakk repossessed the car and sold it, and is reporting a negative of {$16000.00} on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NY).
Issue: Making/receiving payments, sending money

Complaint: I am complaining about PayPal Credit, formerly known as XXXX. This company seems intent on not having me pay off my debt, and giving me credit when I do n't want it. I was just charged a {$25.00} fee on an {$89.00} bill I did not know I had. The company apparently automatically signed me up to put on PayPal Credit, anything I bought or paid for using Pay Pal. So when I thought I was paying something off immediately, at the time of purchase - I have a bank account linked to PayPal - I was actually putting stuff on PayPal Credit. There has always been something suspicious and shaky feeling about XXXX, which is now PayPal Credit. I suspect they are doing their best to put charges on this credit card like service, and then charge people late fees. Because you get no bills in the mail, it 's quite easy to do, especially when they are signing you up for it automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax has been informed multiple times about incorrect information on my report, and refuses to remove it. Specifically due to Identity theft committed by my ex-wife, the XXXX XXXX XXXX account represented by XXXX XXXX XXXX in the ammount of {XXXX}. This account has been removed from all of my credit reports multiple times, but is put back on when Equifax attempts to sell me one of their monitoring products.

Company response to consumer: Closed with non-monetary relief