milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My Costumer pay me with a business check ( {$760.00} XX/XX/XXXX XXXX XXXX ) I deposit it by photo in the only bank I have. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX take out the {$760.00} by posting error I try to fix this with XXXX XXXX, XXXX XXXX XXXX, Wells Fargo and The Police Wells Fargo account # -- XXXX accept a ATM deposit and negociate it with XXXX XXXX XXXX. ( I never have an account in Wells Fargo ) So Wells Fargo accept to deposit a Business check in a personal account that dose n't fit the check 's name. ( does anybody can deposit a check without verification? )

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 08/19/2015 about Mortgage (Other mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015 a complete short sale packet was sent to the lender. We followed up daily to see if there is a status update on the foreclosure sale date postponement. EACH time, they were having difficulty authorizing agent XXXX XXXX XXXX and took several minutes to dig through and find the authorization sheet. Every update they gave XXXX XXXX was indicating that docs are in and under review. It took more than a week for them to simply let us know they needed bank statements dating back to XXXX and to advise they did n't receive forms ( RMA, HUD1, Articles of Incorp, and XXXX ) to which we definitely sent and have confirmation of submission. They are very unorganized and are showing lag in response time which is resulting to our foreclosure sale date approaching quickly ; as a request to postpone has yet to be placed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Someone who has been harassing me was able to get my final balance owed on my auto loan, to use against me. 

My mother also called and was able to get right through with minimal verification ( as a test ). I am absolutely going to pursue legal action against Santander consumer USA for their lax privacy and clear disregard for consumer privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Syndicated office keeps reporting accounts on my for medical bills im unaware of, I sent synicadated office systems a letter asking them to let me validate the debt because I 'm unaware of any outstanding medical bills, these show form XX/XX/XXXXand I was never notified of this debt, by law they have to provide me with information on this debt and give me time to respond and neither was done. CFBP fined syndicated office for these same things and it 's now being done to me XX/XX/XXXXthey were also violated for doing as follows As part of its debt collection business, Syndicated Office Systems regularly supplies information on the status of its medical debt collection accounts to credit reporting agencies and is considered a furnisher under the Fair Credit Reporting Act. Credit reporting agencies track a consumers credit history and other consumer transactions based on information supplied by furnishers. The reports that credit reporting agencies sell are used in determining everything from consumer eligibility for credit to employment decisions.
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Syndicated Office Systems typically initiates collection efforts through letters and telephone calls to consumers. Within five days of their initial communication, debt collectors are generally required to send debt validation notices to alert consumers about their right to request proof that a debt is valid or dispute the debt. A CFPB investigation, however, uncovered that Syndicated Office Systems failed to send debt validation notices to thousands of consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (FL).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: I received a prepaid card from NetSpend. I called the company and told them that I did not approve and filed an application to get this card. It looks just like a credit card, that is what I thought it is, but a representative said it is a prepaid. I told them to close this account since I did not requested. I also, spoke with the supervisor XXXX XXXX regarding my concern that I did not approve and or filed an application. I do not want any cards coming to me without my authorization. The supervisor told me that my account is closed now. I want to complain to the headquarter and she could not provide me with a phone number of the corporate office. I, also, want to be in writing that my card is closed, which she could not provide. I want this in writing and that NetSpend send me a letter that my letter is closed and that they are no financial obligations from them to me. As well an apology of abusing their corporate powers to use my personal financial information. Also, be permanently deleted from their database. My major concern is this corporate ethics can be very dangerous to some ones personal information. I did not approve and requested this card. If it would get lost in the mail and comes in the wrong hands someone might used it and I would never have known about it. This has to stop. No financial company or any kind of institution should send me any cards without my approval. The consumers should be protected and not leave them with any risk.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a complaint last year but thinking that Chase was going to resolve the issue did not follow through with it. I am still about to lose my home after Chase lost my cashiers check and my loan modification paperwork, only to find it a year later. Even though it was found they still will not work with me on a modification. The modification that was worked out in 2010 was perfect. I should not be punished for them losing my paperwork. I have all the documents that i can send to you from the past 4 years. I dont want to lose my home. It is not my fault that my paperwork was lost. Please help. I want to go to the original loan modification in 2010. The finance rate and payments where going to alot lower. My rate now is 8 %. I am just an average person trying to make a living but wanting to keep my home ...

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Debt collection (Medical debt) with GOLD KEY CREDIT, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is the most crooked debt collection agency on earth if I could sue them I would. I have never been to a hospital and they are saying I owe this amount for hospital stay or something. They have said go to hospital or police to prove. How can I prove if there is no record of myself. I have explained to them that it is wrong person. I have not received any documents from them proving that I was there or that they have any solid proof this is my debt. Thus far all they have is my name and ssn. That being said anyone could get that and claim anything. Where is the proof. I have contacted numerous times by mail and phone. Every time its the same thing they say it is my debt nut give no to clear it up. I have offered to settle for a lower amount if I can get in writing that it will be completely removed and not reported anymore or at least paid in full as agreed. They will not reply or hardly answer phone. If I could get the states attorney ear I would I am sure this company is shady in the way they do business and report. I have never been to a hospital and I owe a hospital a debt. How is that? So they have my number put a false claim on me and extort me for money this is what is going on here. I need in writing a settlement agreement with in writing complete removel from credit report or paid in full or paid as agreed

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 09/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Today at XXXX, I received a call from a XXXX XXXX with Professional Debt Mediation out of XXXX XXXX FL ( XXXX ), for an apartment lease deficiency. I do not dispute this debt, however, I have never been sent anything in writing regarding this debt and giving me 30 days to dispute said debt. I indicated as much to XXXX XXXX on the phone and she did not say I would be receiving or should have received a notice in writing. She asked for a financial commitment to pay the debt and I informed her that at this time, neither myself, nor my husband are working so I could not give her a financial commitment. I asked her again at that time, to please send communication through the mail because to call me is fruitless because I currently have no way of paying her. She proceeded to inform me that the company could take legal action against me, which I am well aware of and I told her I understood. She asked again for a commitment to pay the debt. I again informed her that I could not commit to pay the debt, as I have no income to do so. She asked me if neither my husband nor myself were working, how were we paying our bills?. I told her, very politely, that it was not her concern and started to tell her that I intend to pay the debt but before I could do so, she yelled at me that it WAS her concern how I was paying my bills because her client is entitled to receive their money and it IS her business to know how I am paying my bills. All the while she was screaming at me, I was attempting to tell her that I was not trying to be rude and that I was well aware of the consequences of me not paying the debt but I could not help her, since I have no income. She was still screaming at me while I was attempting to tell her this and said FINE, I CAN NOT HELP YOU! and hung up on me. I have been a XXXX since 2003, specifically working as a XXXX. Currently, I am in school to finish my XXXX. I KNOW that how I pay my bills is none of their business and when I went to assert this fact, I was berated and screamed at like a piece of trash. As of this date, I will be keeping a log of the calls made to me ( she called my husband at XXXX today, as this is a joint debt ) and the things said if I am again treated the way I was today. I know that debt collectors do not have to be all sweetness and light, however, they do have to be professional.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (OR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I contacted this " law firm '' Linebarger, Goggan, Blair, & Sampson after receiving multiple calls and letters to advise them that they were attempting to collect an alleged unpaid parking ticket from 2009. They asked for {$24.00} for a parking ticket from nearly 8 years ago. I informed them of the statute of limitations in the State of XXXX is 6 years for debt collection activity and asked that they no longer call me or send me letters. The " attorney '' responded with disregard and claimed that they would continue to collect until I paid it and the penalties in full and that they would report it as unpaid to a credit bureau. I explained that this was in violation of the XXXX laws and he claimed that only XXXX laws applied since their offices are in 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 12/26/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The Consumer Financial Protection Bureau 's actions and response to my ongoing complaint, in regards to Case Number XXXX is deliberately confusing and false. You claimed both Experian and XXXX at XXXX, GA XXXX could not be found and my problem of having a fake debt on my credit report is not one known to you. False. In fact, Experian is a publicly traded company ( EXPN on the New York Stock Exchange ) that harvests and sells credit information globally. Additionally, Experian is one of XXXX credit bureaus whose complaints by others they have bullied, harmed, harassed and refused to respond to can be reviewed by consumers. Their violations of the Fair Debt Collections Practices Act and the Fair Credit Reporting Act are in the thousands, and the Consumer Financial Protection Bureau has turned a blind eye to their abuses. 
Your denial of their abuse of power, abuse of the credit financial system and wanton disregard for all consumers including me is reprehensible. We know these companies are cheating and abusing customers with your consent, daily. We are very aware of this. We are also aware that your benign neglect and purposeful refusal to perform your fiduciary and lawful duties, by falsely claiming that you have no idea what Experian and XXXX are doing by placing false debts with no contracts, proof, evidence, validation ( either written or otherwise ) with your permission. The CFPB has failed and refused to force them to remove the fake debt from my credit report for more than 1 1/2 years. They are committing a fraud with your blessing and expressed permission, because the Consumer Financial Protection Bureau does not protect consumers. You have separate rules for companies and consumers, by stated today XX/XX/2016 in your email to this consumer, " ... we can not help you because we do n't have an address for these companies. '' Experian can be found on XXXX, XXXX, XXXX. 
Although we have no past due debts, it does not matter. Experian and XXXX have kept a false debt on my credit for years, and you condone it with your crooked policies. This helps no consumers, but it serves to protect companies like these two that act continuously in bad faith, steal consumers ' ability to do business and obtain loans, and continue to be a threat to every citizens ' life and livelihood. You do not look for problems facing consumers or enforce Federal Consumer financial laws. That is not what you do. You submit emails to protect predator companies like the two listed in this complaint, in the form of a scripted email that does not address a problem ( created on XXXX 2016 by a computer, not a human being ). Federal and state employees never work on XXXX and this attempt to ignore me, and cheat me further has been duly noted.

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Tax Liens that were satisfied in a Chapter XXXX several years ago keep appearing as derogatory information on my Credit Bureau Reports. The IRS ruled that I was not responsible for tax debt incurred by my ex- wife, XXXX XXXX ( XX/XX/1970, ) and awarded me INNOCENT SPOUSE Status as a result of their investigation. Please remove these last remnants of my ex- wife 's malfeasance from my Credit Bureau reports. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Acceptance Corporation (OH).
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: XXXX will not remove a paid collection debt that l had owe from XXXX XXXX., and XXXX XXXX XXXX.off my credit report. They told me that they would remove it. also so did so did XXXX XXXX. said they would remove it. after l pay it off.

Company response to consumer: Untimely response
Consumer complaint received 11/28/2016 about Debt collection (Medical) with LJ Ross Associates (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had made payment arrangements with XXXX for {$50.00} a month to be withdrawn on a monthly bases for my copay of medical debt to ensure the debt would not go into collections. I have done this for over a year and for some reason they have turned me into collections when I have held up my end of the agreement. In addition, because of my ongoing life long medical condition my current copays go 's to this account to ensure a monthly payment is made to the hospital. Even at the collection of JL Ross the monthly payment is begin received via the hospital. I had over a year ago, made the arrangements for this payment to remain off my credit repost as I am rebuilding my credit. In addition, the hospital never sent anything saying this account would be turned over to collections so I could be able to contact them to have them review there records of agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Account opening, closing, or management

Complaint: I have XXXX XXXX XXXX reporting me to the ChexSystems due to Suspected Fraud Activity. They have closed my bank account and took over XXXX dollars in fees that I was unaware of. I have requested an amount owed to this bank or a detailed reason and list of references of this matter with my signature so that I can resolve it and have this reporting deleted. I am unable to open another bank account due to this reporting on ChexSystems. I have a XXXX balance with them and still have not been given any documents pertaining to the reason or evidence of why my bank account was closed and the reporting me to this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: A fraudulent check ( check # XXXX ) in the amount of {$400.00} was cashed at a US Bank location. The check was paid to someone that I did n't write a check out to and that I have never met named XXXX XXXX. I have a copy of the check - that includes his fingerprint. {$400.00} was subsequently withdrawn from my US Bank account even though the check was fraudulent. When reaching out to US Bank to try and get them to cover the {$400.00} as it was a bank error, they refused, and I was forced to cover the cost. I tried to track down the individual who cashed this check by reaching out to the US Bank location where it was cashed but they did n't have video surveillance. It is absurd to me that I am responsible for a fraudulent check that was cashed at a US Bank branch when it was their responsibility to prevent fraudulent check withdrawals and at the very least document when someone cashes a check at their branches. AND, if they have his fingerprint and his name, why was it impossible for them to identify the individual who cashed the check? Please help me!

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My account balances are not reporting correctly on a few of my accounts in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Debt collection (Credit card) with Weltman, Weinberg & Reis Co., L.P.A. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have no copy of original agreement or past record of payments I made.the credit card is in default and now being collected by a legal firm. I believe the amount is incorrect, but I have no record of payments as defaulted credit card used for payments. how do i get past statement on a default debt.I was XXXX with a XXXX XXXX and all record were lost.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I applied for and received a Citi credit card in XXXX XXXX. I never activated this card, never used said card, and cut card in pieces. Today I received XXXX bill for. {$95.00} annual fee charge. I called Citi customer service and stated I wanted to close this account. I also asked that since I never activated or used said card, that the {$95.00} fee be dropped. I was told the fee can not be cancelled. I feel this is a total ripoff.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion re- inserted a previously deleted unknown public record account on my credit. I am not sure where they get their information from but my file with this bureaus contains false and misleading information. BK Reference Number XXXX need to be removed.

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