milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: The most recently case : I contact with Wells Fargo they my case # XXXX. XXXX XXXX XXXX XXXX. I just opened a checking account in XXXX then after I got a letter to stating I applied credit card with Wells Fargo ( which I did not authorized ). After this Wells Fargo send me letter say they closed my checking account, because I am red flag with Wells Fargo. I 've been contacting with them multiple times, they said back then XXXX I had account with Wells Fargo, also accuse me the reason not allow me have account with Wells Fargo because " My account '' shows I am doing illegal things. Since then Wells Fargo put me in their red flag. This been really ridiculous because I lived in XXXX attending my school, there is no Wells Fargo bank in XXXX state. ( Move in XXXX on XXXX ) I 've been calling every month, the bank been give me a hard time, play the phone game ( I 've been talked to XXXX departments with Wells Fargo ). I asked them to check or give me more information about " the account ( which opened in XXXX ) '' they could n't find anything on that. after six months they send me a package with " personal identity stolen or protection blablabla ''. That 's it. Since then Wells Fargo not allow me open account with them. So this whole story from unauthorized credit card application to accuse me illegal activity " account back opened in 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 07-04-2015 about Credit reporting () with On-Site Manager, Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX XXXX out of New Jersey placed a judgment on my consumer report that was false. I was told that the record would be removed, and was given a sheet of paper indicating that they would rent to me again, that all my balances were paid in full, and that I never had any Nonsufficient funds issues. The false judgments are still on my consumer report, and never once did I have to go to court for any judgments. It is preventing me from being able to rent from other places despite the document due to the public record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2015 about Payday loan () with Mobiloans, LLC (CA).
Issue: Payment to acct not credited

Complaint: they are rip-me off for this loan. 
my loan amount was {$1000.00}, they charged me {$1500.00}, even I extend few times. 
I made few times paid {$300.00} and they credited for only $ XXXXthis things happened XXXX.

Company response to consumer: Untimely response
Consumer complaint received 02-10-2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: I had an checking account with Key Bank and i received {$200.00} signup bonus. The account is now closed. I still have n't received XXXX from Key bank. I called Key bank, the agent told me that they do n't have any tax document for me. If i do n't that XXXX, i might be in trouble when i file income tax.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Payday loan) with Premier Portfolio Group (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: These people call me five times a day from different numbers. Asked them to stop but wo n't. Want personal info like credit card number and bank information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (I do not know) with ATG Credit, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received XXXX phone messages from this number, ATG credit, XXXX, threatening me with taking action against me for a debt that I do not owe. I think this is a scam and I am reporting it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (Mortgage debt) with Hunter Warfield, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hunter Warfield, Inc. Buy the account from another company they calling me al day friends, family, Everybody my job I have Conversation with them over the phone to stop all this and they answer was ( good luck ) not respect and I want to end this and I need your help

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Auto) with ALLY FINANCIAL INC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company has called my daughter at  (   XXXX   )   XXXX , several times, sharing the debt amount, reason for the call, and even going so far as to ask whether this vehicle had been involved in an 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 explanation
Consumer complaint received 02/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: It stated I took out a credit card I did n't and a car loan I do n't have a driving license

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 12-06-2015 about Mortgage (FHA mortgage) with Seterus, Inc. (DC).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a complaint previously ( XXXX ) about serious concerns and practices of Seterus including threatening to take funds out of my bank account without authorization. The response did not address those serious matters and the author of the letter, XXXX XXXX XXXX said she would send response to those issues. I never heard back from XXXX XXXX and was informed later she is no longer employed by Seterus. Those concerns in the original complaint have never been addressed. I applied for modification/forbearance back in XXXX 2015 and never received any notification of the status although I called to follow up many times over the past six months. I was always told it was in review. 
I spoke with representative XXXX XXXX on XXXX/XXXX/15 who represented herself as part of Seterus management and claimed to be personally working on my case. She assured me that the forbearance application was received and complete and she would personally see why I have n't received a response and would also forward the XXXX page response by Seterus sent to CFPB to answer my other concerns about what was not addressed in my letter. I received a extremely harassing call from XXXX XXXX on XXXX/XXXX/15 demanding to know ( 1 ) if I had an attorney and ( 2 ) if I ever told anyone I was self employed. I requested the conversation be recorded and questioned why he was calling asking me those questions. He repeatedly aggressively said ... " so you are refusing to answer my questions '' every time I asked why was he asking those questions. I informed him that I had spoken with XXXX XXXX in management and she was handling my case and requested to speak with her. He told me XXXX XXXX was " a nobody '' and had only been working there for two months and he had been there for a year and they both have the same position. I received a letter the next day ( although dated XXXX/XXXX/15 ) demanding payment of all past payments in less than 30 days from receipt of the letter. XXXX XXXX never mentioned there was Intent to Foreclose letter already processed and I should have received/be expecting it. I have since spoken to another representative to determine what do I need to complete the modification package and was told social security award letter and profit/loss statement ( letter of explanation ) which I sent. I have not heard anything from Seterus or acknowledgement of receipt of documents. I never received any written or verbal notification about the status of request for mortgage assistance programs. I have a made payment during this period, but unable to pay the entire amount and the date expires on Tuesday. I need help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (I do not know) with CAC Financial Corp (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CAC Financial Corp is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.

Company response to consumer: Closed
Consumer complaint received 08/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hunter Warfield has refused to validate the debt on XXXX occasions, verbally in XX/XX/XXXX when they called me. They then called my brother and mother and disclosed it was for debt collection purposes, in XX/XX/XXXX when I sent a Do Not Call letter and a request for debt validation and in XX/XX/XXXX when I submitted another request for debt validation. Additionally, Hunter Warfield reports different amounts to the different credit reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit card () with Alliance Data Card Services (NY).
Issue: Unsolicited issuance of credit card

Complaint: This credit card was never activated. 
A purchase of {$12.00} was made at the XXXX in XXXX, FL on XX/XX/XXXX. A XXXX card was presented for payment, not a XXXX card, yet this purchase was charged to the account referenced above, said card never having been activated. 
. Check # XXXX on our XXXX account, marked paid in full, dated XX/XX/XXXX, was sent out and our bank records show that an ACH withdrawal by Comenity Bank was made on XX/XX/XXXX. 
PROOF OF PAYMENT from XXXX account : XX/XX/XXXX ACH COMENITYCARD PAY CHECK PYMT XXXX~ {$12.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-03-2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: car was total, i purchase gap ins, and ext warranty. My ins co pay me to get a replacement car, gap ins and warranty were in the loan. Bank is a holder in due cause.     I want all add interest and late charges credit, refund on ext warranty, and gap ins to pay off the loan.     none of this been done as of date.     I did what the bank informed me to do, when to the dealer, cancel ext warranty, gap insurance does n't want to paid off the loan, because my ins co gave me more than the value for the car, but that is because i paid for replacement value, none of thier  XXXX  business what i was paid on loss.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX has discussed details of my account with a third party, whom I listed as a reference. They have gone as far as sending a billing statement to this individual addressed to their name.The payment stub had my name on it but was addressed to my reference, whom is not a co-signor of the loan nor are they my spouse. I understand the laws differ in regards to collection practices and what stage of collections an account might be at. I also am well aware of privacy policies and what was stated in the contract that I signed. Regardless of the verbage, in the contract, information about the account to anyoneother than the borrower, their spouse, or a co-signor is not permited. The law is what holds precedence. Please correct me if I 'm wrong.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: XXXX XXXX XXXX NJ has you sign a receipt in classifications when u receive prisoners clothes on intake ... they do not tell inmates that once you sign the receipt for prison clothes..The prisoner actually is signing Power of Attorney over to WELLS FARGO BANK XXXX This is a fraud, a bait and switch a private prison and Bank working together to take control over peoples finances..It is discriminatiory against American people on XXXX or receiving government fundS..cIVIL RIGHTS INFRACTIONS..A fraud against the people ... Wells FARGO bank unethical illegal money grab of social security funds and XXXX XXXX XXXX scam of denying out of town inmates to make long distance phone calls meant to isolate and deny people basic rights ... How is it that a Bank and Prison complex start this scam when patient confidentiality laws weny into effect.1996///the prison /bank /jewish family sercices HEALTH CARE FRAUD and wELLS Fargo bank owe over 20 yrs of theft ..they have been getting away with since 1996 ... they are disappearing bodies, and the payments keep going to the bank..and no accountability or transparency as patient confidentiality laws hide this scam fraud ..targeting the " UNWORTHY ''

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 03/19/2017 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (NC).
Issue: Fraud or scam

Complaint: I purchased a rifle from XXXX, an online store based in XXXX Virginia and owned by XXXX. I paid {$1600.00} via Wells Fargo XXXX, a wire service, to XXXX on XX/XX/XXXX. XXXX is registered to XXXX XXXX XXXX VA XXXX XXXX. I called or emailed every few weeks since I ordered it and was told it was on back order and would ship when it came in stock. To date, I have not received my order. When I checked on my order on XX/XX/XXXX, I found out the website is down and the phone number is out of service. I paid using Wells Fargo XXXX which is a wire transfer service. I have no way of requesting a refund and think this was a scam to fleece people across state lines. When I look up the google reviews now there are XXXX posting of other people that he stole money from as well. I am sure there are others. XXXX is also listed online as XXXX XXXX was also the creator of LendingShares which became XXXX shares. This company was a crowdfunding platform that existed without XXXX oversight and existed for 3 years before becoming defunct. I believe that XXXX is a serial scam XXXX who creates companies and bilks consumers and investors out of money, then closes the company and eliminates all means of contact. 

The website was : XXXX The Secretary of State Filing can be found here : https : XXXX The Test Store Website is still up with last contact information and a photo of XXXX can be found here XXXX XXXX/ XXXX Facebook page can be found here : XXXX : //www.facebook.com/profile.php? XXXX The owner of the business address is XXXX his phone number is : XXXX. They said he has vacated the premises, but still stops in weekly to pick up mail. XXXX most recent phone number they have on file is XXXX. 

Whitepages lists the home address for XXXX as : XXXX XXXX 
XXXX VA, XXXX The owner of the home address is XXXX XXXX XXXX FL XXXX Police Report Filed XX/XX/XXXX XXXX XXXX Police Department XXXX # XXXX XXXX Police Report Filed XX/XX/XXXX XXXX Police Department 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 06-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: The property address:XXXX XXXX XXXX XXXX XXXX has been in foreclosure since XX/XX/XXXX with no resolution. I complied w/all requests. 
The process of foreclosure started XX/XX/XXXX. I hired a short sale atty and realtor to help get the sale resolved quickly. Wells Fargo continued to give us the runaround for well over one year. Finally, XX/XX/XXXX they approved the sell but by this time I had to file bankruptcy due to the expense of maintaining the property. I had to dismiss my yard and pool man due to lack of funds. It was my understanding that Wells Fargo would make sure the upkeep of the property was continued. I have received a bill from XXXX XXXX ( XXXX XXXX XXXX ) for y maintenance of the property in the amount of {$240.00} for yard service. I do not have the money to pay this bill. Wells Fargo will not allow me to ask questions on my own account. The reps handling the acct # XXXX are : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. The ph # XXXX and fax # XXXX Consumer 's Desired Resolution : Wells Fargo has been gathering information on me and the property for almost two years. This process should not have taken this long. I want to have my situation resolved w/n the 30-60 days. I want Wells Fargo to pay the bill for maintenance. There should be open line of communication w/the homeowner 's association regarding what is required to satisfy the deed restrictions in that community. Please have Wells Fargo pay their attorneys that they hired to setup the foreclosure.

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 06/18/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Trying to u se s se rvice the bank has not responded to the request it 's been almost a week

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (Medical) with Avadyne Health Holdings, Inc (OK).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I made an agreement with XXXX XXXX XXXX XXXX to pay {$40.00} per month until my bill is paid in full. All payments have been made on time. Also, all my statements state, " By remitting your monthly payment in the amount of {$40.00} by " due date '', which is the XXXX of each month, this will avoid any future collection efforts. I recently received a bill from H & R Accounts stating the remaining amount I owed XXXX was due in full to avoid all collection activity and/or negative report to the credit bureau. I spoke with XXXX at XXXX billing department and was told my account was in good standing and that H & R Accounts had been hired to do " billing '' for XXXX and made an error by sending me a collection notice. I was told I may still make my {$40.00} per month payment to XXXX. I believe that H & R Accounts is knowingly sending these " collection '' statements as a scare tactic to get payment is full, instead of honoring the payment plan agreement made by XXXX. I contacted H & R Accounts and spoke to XXXX XXXX and told him to stop sending collection notices and that I will continue to make my payments to XXXX each month and that this " shakedown '' as I see it, is illegal. Please check into this, as I believe there are people receiving these notices that do n't understand they have rights. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to get a loan modification from SunTrust Mortgage , Inc . I sent my documents in their pre-addressed envelope, but they say they never got it. Today I tried to fax the documents, but the fax phone just rang and never picked up. I am going to try scanning and emailing, and I will resend the documents USPS return receipt. SunTrust does not offer an address for overnight packages. I get the feeling I 'm being XXXX around - that my documents were indeed delivered but are lost somewhere, and that the fax number provided is bogus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Debt collection (I do not know) with American Credit Resolution, Incorporated (PA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a phone call from a number located in Texas ( XXXX ) stating, " Hello, this message is intended for XXXX, my name is ( uhm ) XXXX XXXX I am calling regarding some paperwork that I received in my office today under your name and social security number. I need you to be advised that I have a request to put you on my schedule defined by the certified notice of intent regarding a pending case that has been filed against you. Before I stop by your residence or place of employment we wanted to give you a curtesy call and inform you that you are being put on my schedule to be served. ( Male coughing in background ) If you have any questions regarding this matter you do have a legal right to contact the following party at XXXX refer case number XXXX. Now just to be clear you are being put on my schedule for XXXX between the hours of XXXX and XXXX. Unless I hear differently from the plaintiff I will be out to see you at that time. ( Uh ) XXXX you have been notified. " I believe that these people are not who they say they are and are violating SS 807. False or misleading representations [ 15 USC 1692e ] of the Fair Debt Collection Practices Act. Specifically subsections 3 and 10. I am unsure of what else this person could be misrepresenting or falsely stating, all I know is that this is not the first time they have called trying to scare me into calling them back and conning me into giving them money or my information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed