AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I recently opened an account with Wells Fargo bank. The account was opened inside of the branch, and the opening process was fairly easy. Upon opening the account, I was provided with a temporary debit card in order to have immediate access to available funds. The day following the opening of the account, I made several unsuccessful attempts to use the debit card. I called Wells Fargo 's customer service and informed them of the situation, and was told the issue was due to an earlier data breach, and that I was to go to the nearest branch and request another card. Per Wells Fargo CS instructions I went to the nearest branch, told a banker of the situation and was issued another card. I immediately went to the teller to make a deposit, but was not able to make any transactions due to a hold on my account. I went back to the banker 's desk to find out the reason for the hold. After hours of searching and conversations with SEVERAL departments, I was told the hold was due to alleged " misuse '' of an account from 2008 reported by XXXX XXXX ( according to Loss Prevention ), but was not given any other information. I repeatedly stated that I NEVER had a banking relationship with Wells Fargo, and requested the account information for the past account. I also contacted XXXX to request information on the supposed report, but was told XXXX had NO KNOWLEDGE of the alleged report. I returned to Wells Fargo the following day to inform them of the inconsistency of information provided by the Loss Prevention department. And after several more hours of research, I was told by a banker the account in question was in fact with Wachovia BEFORE the acquisition of the bank 's accounts via Wells Fargo, and that they had no other information ; no account number, no NOTHING! The bankers are basically echoing what Loss Prevention is saying, and NO ONE has been able ( or willing ) to give further information. The account with Wells Fargo is effectively closed, which is a NEGATIVE reflection on my banking file! This practice of PIGEONHOLING with NO real information is UNFAIR and UNREASONABLE, especially since I 've NEVER banked with Wells Fargo. Furthermore, I find the lack of record keeping and POOR CUSTOMER SERVICE APPALLING! 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a dispute online and it appeared to go through, but I did not receive any notice of it and when logging in later I could find no record of ever having filed it. I then called TransUnion and they had no record of the dispute, so I filed it over the phone and the representative collected my email address, but I received no notification that it was submitted or the status of it. If I log on to their website I still do n't see any indication of the the status of the dispute. 

The account I 'm attempting to dispute is " XXXX # XXXX '' which was a debt that was sold to XXXX but not appropriately reported to TransUnion ( or TransUnion recieved the report but failed to actually file it, much like they 're doing to me now. ) This caused the debt to be duplicated when it is actually the same XXXX adverse account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Used automated robocalls to call up to twice a day but usually once a day likely in violation of the Telephone Consumer Protection Act ( TCPA ) and FDCPA and local laws. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am an XXXX Service Member in the XXXX. I attended the financial briefing in XXXX from the military. Following guidance from the Financial Planning Counselor, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites. 

Please advise! 
XXXX XXXX XXXXXXXXXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a personal loan with Wells Fargo and I was out of the country for a funeral and my personal loan fell behind. Wells Fargo discontinued my debit card while I was overseas and took all my funds from both my checking and savings leaving me without no funds without sufficient notice and failed to refund the money when i asked them why they took all funds from my account. I had no money for rent and my direct deposit check was seized as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: In my public records on TransUnion it shows i have a state tax lien from XXXX 2005 that is not paid but just filed i contacted the local courthouse in my county which is XXXX XXXX Indiana at the clerks office and they said it has been paid back in 2005.. But on my report it still says it is just filed and not paid.. they said i could come in and get a copy and give to my credit bureau.. So how do i do this?? Or do you request it from the court house..thank you.. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015, I purchased XXXX round trip airline tickets from XXXX using Bank of America VISA credit card. The total amount was US dollars XXXX and the purchase was made online from my home computer.It was confirmed by XXXX XXXX that this transaction was made in New York and there was no XXXX transaction fees involved ever. 
On XXXX/XXXX/2015, while checking my VISA credit card account status, I had noticed that the bank had charged an additional amount of {$30.00} each for XXXX airline tickets, that was not included, informed nor authorized by me at the time of transaction. 
Since I was not aware of any foreign transaction for purchases made within the United States, in US dollars, I immediately contacted the Bank of America VISA card customer service, and they refused to refund the entire amount of foreign transaction fees. 
In the past I had purchased airline tickets online from XXXX using XXXX master card and there was no foreign transaction fees involved in any of the purchases made in US dollars in United States. 
Therefore, hereby I am humbly requesting a fair investigation on this unfair business practice for the satisfactory resolution for my concern and the refund of the entire foreign transaction fee that is unfairly charged to my VISA credit card on the online purchase made in US dollars and within the United States. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear sir/madamI have disputed this debt from ESCALLATE for so many time now but ESCALLATE stated that they were told to continue collecting the false debt from me without providing any proof of documentation to show that I own this debt. Account number XXXX I copied this account number from my XXXX credit report.. 
I do n't own any MEDICAL BILL to ESCALLATE LLC or any of it 's affiliates or so called original creditor. I am requesting a further investigation to this matter and also ESCALLATE LLC have to provide proof of documentation concerning the debt. example the document or documents I submitted when I seek for the care from the Original creditor. 

I BELIEVED THEY GOT MY ADDRESS FROM THE DESPUTE I SUBMITTED 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a netspend customer for 7 years. I have worked for the same company the entire time and i have my bi-weekly check direct deposited into my account. This week i received a bonus which put my account balance over the maximum on the card. As a result my account was frozen. I immediately called in and they said i needed to provide proof of deposit from my company. Our payroll department immediately provided. Then radio silent. I called back in XXXX hours later to check status. Customer Service informed me that they had all they needed but it take XXXX hours to process. Fine. So after the XXXX hours expired i called back ( XXXX time ). The rep told me that she did n't know why it had n't been unfrozen but assured me they had what they needed. So once again i hung up. then XXXX hours later i called again. I asked to please talk to the documents department and they said they can not call them. But they emailed. Low and behold right after that email went i receive a notice that they still have n't received the documents they need. Now keep in mind no one told me any documents were required beyond proof of deposit even though i asked XXXX people. So i immediately sent the documents. That was at XXXX yesterday. So i called again last night at XXXX to check to see -- what else was needed, what are next steps. Again nothing other than it takes XXXX hours. So this morning i call back ( call number XXXX ) and once again there is no update. Then they transfer me to the fraud department. The fraud guy says he does n't know why i am there and puts me back with customer service. So the new customer service agent asks for all of my informaiton again and then says i need to hang up and call back in. that is when i lost it. Finally i spoke to a supervisor who supposedly sent another email and apparently was going to document that this needed to be escalated. I am now back on the phone ( XXXX call in but XXXX person i have spoken to ) and she said they ca n't address until monday because the people are n't working. BRAND NEW NEWS. So i am on hold once again waiting for supervisor and all of this time my money is locked down. Once again i understand need to do verifications but this is insanity and i honestly feel like i am losing my mind. This whole process has to be illegal. I honestly can not believe that not XXXX person can get a clear status update. What they do n't realize is that this completely messes up people 's lives severely. Sad, tragic and completely has me in tears. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I am filing a complaint against greater California financial services because they are illegally trying to collect on a XXXX XXXX credit card debt that is not valid and also past its statutes of limitations. The credit card account was charged off seven years ago and it is not shown as reported on my credit report as of XXXX/XXXX/15. When the company first contacted me last year, they misinformed me who they were staring they were a law firm as a scare tactic. Since then, I have written a cease and desist letter along with a zombie debt letter but they continue to demand payment. Not only are they saying I owe this debt but they are claiming I owe XXXX the amount of the original debt. The original amount was {$12000.00} and now they claim I owe {$24000.00}. I am in the process of re-financing my home but can not move forward without resolving this matter because the company has a lien against me. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: They took off the collection account because they discovered it was n't mine and now XXXX of them are added on of the same thing that was disputed and removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX address and XXXX names listed under TransUnion credit report does not belong to me nor have I ever live there. Please assist! 

Company response: Company chooses not to provide a public response
Consumer complaint: My Ex-Husband walked into a Wells Fargo branch to apply for a re-finance on his home. During the application process the bank obtained my information and ran my credit four times, as well as gave my ex-husband detailed information from my credit including my score and recent inquiries made on my credit. My name is not on his current home loan not is it on refinance application. I was never notified verbally nor in writing that this was taking place by Wells Fargo, and only became aware when I checked my credit online and saw the inquiries from WellsXXXX Fargo. I have no bank account, credit card, or outstanding loans with Wells Fargo, and as such it is a direct violations of the Fair Credit Reporting Act to obtain my information and illegally run it multiple times, as well as disclose private information to an Ex Spouse. 

Company response: Company chooses not to provide a public response
Consumer complaint: I receive calls from a company called Penn Credit XXXX XXXX ALL week, 7 days a week ... from XXXX at night to XXXX on a Sunday morning. They claim I owe {$41.00} to XXXX XXXX House. This is NOT my debt. I called them and asked them to remove me from their call list yet they continue to call and harass me. The name of their company is PennCredit and phone # XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am have been charged with an owed amount on my credit report from a medical office, but my health insurance had paid this balance. I should not have this balance or report on my credit report. They say it would clear in 7 years, but it should not be there at all. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: ssue Unable to get my credit report or credit score : Problem getting my report or credit scoreDescribe what happened so we can understand the issue ... 

I am an XXXX Service Member in the United States XXXX XXXX. I attended the financial briefing in preparation to separating from the military. Following guidance from the XXXX XXXX XXXX, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites. 

Company response: Company chooses not to provide a public response
Consumer complaint: A woman by the name of " XXXX '' has been contacting me repeatedly throughout the day starting at XXXX-XXXX, as well as my family members and even my new employer ( a 3rd party which she discovered online ) which has NEVER been released to her or any other debt collector. She has been seeking info from my family as well as co-workers, requesting my information/location, verifying where I am working, how she can find me, and even has my co-workers relaying messages to me in order to call her back.. She has also been telling my co-workers that I do n't answer my phone or reply to voice messages which makes me look bad to my employer and puts my job in GREAT jeopardy. One of the numbers she has been calling from is XXXX. IT NEEDS TO STOP! 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I began our relationship with XXXX XXXX XX/XX/2015. His company is : Cherry Creek Mortgage , Inc. 
XXXX XXXX XXXX XXXX, # XXXX XXXX, CO XXXX XXXX # XXXXOur purpose in contacting XXXX XXXX was for the purpose of refinancing our XXXX mortgage. XXXX XXXX also found a financial institution to refinance our XXXX mortgage. Things seemed to be progressing smoothly. XXXX XXXX advised us verbally not to pay our XX/XX/XXXX mortgages as we would be closing on or about XXXX/XXXX/15. As you can see by the emails I have attached to this complaint, XXXX XXXX continued to advise us not to pay XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX mortgages. And then, ultimately we would have to pay those months causing us to be late. On XXXX XXXX, my wife sent XXXX XXXX an email expressing our frustration that he does not return our phone messages and we have no idea why these refi 's have not taken place yet. My wife left XXXX voice messages on XXXX XXXX 's voice mail on Tuesday XXXX XXXX and send him the final email attached. We never received a response. My wife and I are now faced with losing our home because we now have " late '' payments on our mortgages and are not able to re-fi with another institution. XXXX XXXX is incredibly unprofessional. He does not respond to emails nor does he return phone calls. It should not take 6-7 months to do a re-fi. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Im XXXX and i can no longer pay the loan at this time. I have told the loan company this and yet they still call my fiance, go to my work place and even call my mothers boyfriends workplace where i occasionally work to fill in for some one daily. It is harrasing me that they continue to call and show up at his work place and even call my fiance while he is at work trying to get him to pay the loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is not my debt. I have reported it to XXXX and XXXX and they will not remove it. THIS WAS LISTED ON MY REPORT IN THE PAST FEW YEARS WITH A DIFFERENT COLLECTION COMPANY AND A DIFFERENT HOME ADDRESS. I HAVE NEVER HAD A DEBT WITH XXXX. This is fraudulent. I have never been contacted by XXXX OR THIS COMPANY. I did not request or use any services from this provider. I have no idea why this is on my report. EVERY FEW YEARS IT APPEARS AGAIN, I COMPLAIN FOR MONTHS TO EVERY AGENCY WRITE NUMEROUS LETTERS ; THEN IT GOES AWAY FOR A FEW MONTHS AND COMES BACK AGAIN WITH ANOTHER COLLECTION COMPANY. I want this permanently removed.This is creating damage to my good name. PLEASE REMOVE IT AND CHARGE THIS COMPANY ACCORDINGLY I do not use XXXX services now and I have never had this serviceThe bill list the service started XX/XX/XXXX. I have no knowledge and I have never used it. 
SOUTHWEST CREDIT SYSTEMSAddress:XXXX , TX XXXX ( XXXX ) XXXX Account Number:XXXXOriginal Creditor : XXXXTAddress Identification Number:XXXXStatus : Collection account. {$150.00} past due as of XX/XX/XXXX. 

Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XX/XX/XXXX. 
Date Opened:XXXX/XXXXReported Since:XXXX/XXXXDate of Status:XXXX/XXXXLast Reported:XXXX/XXXX Type : CollectionTerms:XXXX MonthsMonthly Payment : $ XXXXResponsibility : IndividualCredit Limit/Original Amount : $ XXXXHigh Balance : NARecent Balance : $ XXXXRecent Payment : {$0.00} 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX and Transunion have reported this incorrectly. The statue of limitations in Ohio ( where the debt began ) has run. This needs to be taken off my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I AM XXXX AND XXXX DONE. HOMELESS BECUSSE OF A JUGMENT ON RENTAL HISTORY USED ALL MY XXXX BENEFITS ON CHEEP BUG INFESTED HOTELS WHILE I FOUGHT THIS LOOSING BATTLE. MY IDENTITY WAS STOLEN THE UNWORTHY OF LIFE INDIVIDUAL OR INDIVIDUALS RENTED APTS TOOK OUT PAYDAY LOANS AND CHARGED UP BILLS. NO ONE WILL RENT TO ME NO ONE WILL RENT TO ME NO ONE WILL SELL TO ME. I AM XXXX AND HAVE XXXX XXXX. THE COLLECTION AGENCY INFO STILL ON MY REPORT AS " CLOSED '' BUT THEY REFUSE TO REMOVE IT. I HAVE WORKED MY WHOLE LIFE PAID MY BILLSBUT BECUSSE OF THIS I AM WITH OUT FOOD MEDICINE OR A SAFE PLACE TO SLEEP. SO SAD I KNOW LOL I 'M NOW XXXX OF THEM THE PEOPLE I WOULD GIVE MONEY TO ON THE STREET AND NOT ANYTHING I CAN DO. THIS EXPERIANCE IS CHANGING ME YOUR SYSTEM IS BROKEN THIS THE UNITED STATES OF AMERICA MY FAMILIES BLOOD WAS SHED IN WARS MANY WARS FOR OUR LIFE STYLE AND FREEDOMS LOOK HOW WE ARE TREATED. BEFORE THIS THING KILLS ME I WILL SEND ALL MY DOCUMINTAION TO NEWS ORGINIZATIONS AND PUBLICE OFFICIALS FUNNY I STILL THINK SOMEONE MAY CHANGE THE SYSTEM MAYBE MY PAIN WILL HELP ANOTHER I HOPE BUT AGAIN NO ONE CARES ENJOY YOURRUNNING WATER COMFORTABLE COUCH DINNER AND DESSERT GO AHEAD COMPLAIN ABOUT THAT BAD NIGHTS SLEEP THE NIGHT BEFORE WITH YOUR COWORKERS LIFES HARD I KNOW SLEEPTIGHT XXXX XXXX will attach back up as soon as I can XXXX of our friendly police officers is told me to move it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced my home with XXXX XXXX. 
Green tree asked for 2 months of interest as well as 2 months of mortgage insurance to close my loan. 

They had XXXX in my escrow account at the time. 

Asking XXXX to close a loan, when you really only need XXXX ( interest ) makes it almost impossible for someone to be able to get the cash together to close on a refinance. They actually try to trap you with them as your mortgage holder. 

They also told me ( despite the proof of wire xfer ) that they had not received my money on Friday from the escrow company. 

Paying ANY mortgage insurance upfront is unnecessary as they have a balance in the account and will not be paying any future MI on my behalf. It is just a ruse to be able to float my money. 

First rep said they would refund me in 5-7 business days. Another one said 14 business days. Now it is 30 business days. No one would give it to me in writing. 

How are they able to behave this way? 

Forwarding to them will be useless - they are useless and nasty on the phone. And they lie. 
in 30 days someone will respond and say " we are looking into your request '' in a generic, boilerplate letter, with no contact information other than the XXXX number where you get nasty people. 

Go ahead and submit to them. I have refinanced, and I will do my best to bring any legal action against them that I can. Worst loan servicer ... Ever ... Nasty, unscrupulous and they lie. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: While I was attending active duty XXXX military training, an online account error occurred and stopped auto-payments. This caused me to incur a 30-day and 60-day late payment delinquency against my credit reports. I had no way of knowing about the auto-pay error, and I have since fully paid off the account. I have tried disputing this case with the creditor, ExperianXXXX is the only credit reporting agency to remove the delinquency, but the other agencies have not assisted. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been having problems and disputes with XXXX XXXX and Select Portfolio Servicing , Inc ( SPS ) since 2011. I have just written a long letter to SPS that thoroughly explains some of what I have been through in the past XXXX years. I accepted the XXXX modification in 2011 because I felt I had no choice. XXXX dragging out the modification process for XXXX months has no reasonable explanation. The modified amount of {$550000.00} was quite high. There are many details contained in the XXXX page letter that will give you a very good picture of what I have gone through. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Focus Receivables Management has contacted me several times to collect a debt for XXXX. Each time I call back they tell me they are trying to reach someone else and not me. I have asked them to stop contacting me that I do n't have XXXX and have n't in over 7 years. Each time they tell me they have no record of me contacting them back to ask to be removed. Spoke to them again today and was told I would be removed. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: TransUnion has denied my request for a annual free credit report and wants sensitive information of my SS number, driver license, utility bills etc. Both XXXX have provided the reports without issue. All information on the standard form was consistent with my personal information and adequate for the two bureaus but TransUnion wants more. I refuse to give out more information. 

Company response: Company chooses not to provide a public response