milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: This is the third complaint I have filed against Wells Fargo. First they opened a credit card in my husband 's name and mine. We did not request this card. I also found out they attached the credit card to an account that was in my name since XXXX. This account was set up for my job. All direct deposits for pay went to this account. I also had set up this account for online bill pay. They changed the primary owner of this account to my husband so that the credit card that Wells Fargo opened ILLEGALLY, without our approval or knowledge and added it as overdraft for the the account. In XXXX XXXX, I made transfers for XXXX transactions from another checking account in my name to what I thought was my primary account to pay bills over a 35 day period. Not only did Wells Fargo transfer those monies back into the checking but they also made cash advances on the credit card and charged us for overdraft protection resulting in almost {$500.00} in cash advance fees, interest, and this overdraft protection fee. Neither my husband or I knew that my primary account had been manipulated and my identity and my husband 's were stolen by using our social security information. Now today XXXX/XXXX/XXXX, I have found my other credit card information has also been changed for the online bill pay lists placing all of my credit cards, different from my husbands and not in his name, changed to his name along with changing the account numbers for these cards. XXXX card number was not correct at all. I now have to check all of our credit card statements to make sure that the bills have been paid!!! My advice to any Wells Fargo account holder is to check everything in your accounts because they did a lot of damage not only in CA but across the US and in many different areas of your banking accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I received a called from my niece stating someone had called my ex- boyfriend from XX/XX/XXXX and wanted to find me cause I owed some money and did n't show up for court. When I hang up I received a unknown called with a message I needed to call a XXXX with a case #. that I need to call back or they would take different actions. I called the number and they identified as an attorney office named XXXX XXXX XXXX. While I was on the phone they verified some of my name, last XXXX social, and address. they wanted to settle my account I had on XX/XX/XXXX or they were going to take me to court, garnish my money and seized or seize my property. sadly to say I did settle a monthly with $ XXXX monthly for 6 months gave them my credit card information. when I hang up my husband did more research and found out there is no company named XXXX that exist anymore. the only attorney named XXXX XXXX retired back in XX/XX/XXXX. I felt mad and ashamed, of me giving them my credit card information to take care of a bill I could not pay back in XX/XX/XXXX. I did cancel my credit card right away. I still do n't know till this day if this is even a real creditor company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: First time I ever heard from them.was when my manager told me at my job they called and said if I didnt call them back I would have to talk to a judge and they have called all my family members I never received any notice of this and they refuse to send me any paperwork in the mail last.time I asked for any proof they were rude said whats the use you will never pay this they call friends of mine that I used to live with and just veey rude I want this to stop any help would be wonderful thank youCredence Resource ManagementXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have owned my home for 10 years and have XXXX mortgage liens with Bank of America. Due to financial hardship, loss of equity in my property, and loan fully amortizing, I have reached out to Bank of America for assistance as I can no longer afford my payments on my mortgage loans and do not want to loose my property or tarnish my credit. On XXXX I contacted Bank of America to inquire about my options, she said I would have to speak with the loan modification department. Bank of America 's customer relationship manager stated that because my property was located in California that I could have someone contact me within 14 days to discuss further. She set an appointment for XXXX/XXXX/15 at XXXX and I never received a call. XXXX I called Bank of America at XXXX asked why I did not receive a call and there are no notes in my file to why. The lady proceeded to begin the review process, took my financial information and stated I qualify for loss mitigation assistance and a customer relationship manager should be in contact by phone in 5-7 business days. As of XXXX/XXXX/15 I have not received a phone call from Bank of America. I called a third time and spoke with XXXX XXXX, customer relationship manager. He stated on XXXX my telephone number had been requested to be removed and someone update my number to XXXX, this is concerning as I never removed my number and now someone has my personal information and is capable of updating my mortgage information. Per XXXX he updated my phone number accordingly and furthermore gave me my XXXX name and set up a meeting for XXXX/XXXX/15 at XXXX, I verbally approved to be contacted prior to XXXX as I work from 8-5pm and can not take personal calls. XXXX also stated that he emailed the customer relationship manager and their manager about the appointment. XXXX by XXXX I have not received a call. I am a homeowner who has made on time payments for 10 years, I am seeking assistance and at a loss what to do as I have tried multiple times to contact my lender and Bank of America has made little effort and empty commitments. I am very concerned that my credit is going to be affected due to Bank of America 's inability to communicate and follow through.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Consumer Loan (Title loan) with CITIZENS FINANCIAL GROUP, INC. (DE).
Issue: Charged fees or interest I didn't expect

Complaint: When I applied for this refinancing loan I was assured that there would be no additional fees but later notified that upon closing there will be {$110.00} fees for attorney 's review of our Trust Agreement which had been already reviewed when we initially had applied for that home equity loan

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NC).
Issue: Unauthorized transactions/trans. issues

Complaint: I have been a Ruch Card holder for over 4 yrs. I am not able to get my money for over 2 weeks. My bill have fell behind and I am about to be evicted from my apt . I am at my witts end on what to do. Please help me get my money off my RushCard. 
XXXX XXXX Worried

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2016 about Payday loan () with CNG FINANCIAL CORPORATION (VA).
Issue: Charged fees or interest I didn't expect

Complaint: We attempted to pay the loan on Thursday, XX/XX/XXXX. The Check and Go ( the company that gave the loan ) 's branch had closed. We were referred to a manager. The manager did not know how to pay a loan. 
On Friday, XX/XX/XXXX, we went to the local branch, in XXXX, XXXX, only to be informed that they would not take payment on the loan because the original Check and Go branch where the loan was started was in XXXX. 
By the time we had managed to find the original branch, six days had passed to Tuesday, XX/XX/XXXX. However, Check and Go continued to assess fees and interest on the loan since Thursday, XX/XX/XXXX, even though we were able to and wanted to pay off the loan. They refused to consider letting us pay the loan using interest current as of Thursday, XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2017 about Debt collection (Credit card debt) with Allied Interstate LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: According to Federal Trade Commission guidelines, a debt collection can not be valid without the following criteria from a debt collector : The debt collection must be bonded and licensed. There are no licensing requirements in the state of New York, but the collection firm must show evidence that they are registered to do business in the state of New York through the Office of the Secretary of State in XXXX, New York. No such proof has been submitted with the attached letter. The debt collector must be bonded, no proof of bonding was submitted. A signed copy of the legal right to collect must be submitted showing proof of any power of attorney, transfer rights or ownership. No such documentation was ever submitted. Accordingly, the attached attempt to collect a debt on behalf of XXXX XXXX is deemed VOID. My complaint for such documentation will stand in any state or federal court. Therefore, I demand a full compliance before Allied Interstate attempts any debt from me personally without proper documentation.

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 03/24/2015 about Debt collection (I do not know) with Client Services, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This gentleman called me and asked for personal information without disclosing who he is or what it is he wants. Did not tell me which company he was calling from or who he was representing and would not say so until I gave him my personal information. 

The reason I know the name of the company and what they do is because I got their number and returned the phone call where they said the name of their business on answering the phone and then looked them up on the internet.

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 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX XXXX Whoconducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 non-monetary relief
Consumer complaint received 10/17/2017 about Debt collection (I do not know) with EOS Holdings, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX has called me multiple times a day for 3+ weeks  - they leave a voicemail that they are a debt collector and I need to call them back. They leave no details about my debt, nor have they provided a validation notice. I do not have, nor have I ever had debt that needs to be collected. I verified this on my credit report. 

I never answer and I never call back because I know that encourages scammers knowing that I am responsive. I do n't know how to stop the calls and they are causing me significant stress. 

Their number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: experian is reporting info of a civil judgement from XXXX filled XXXX 2009 this was resolved in a chapter XXXX bankruptcy.i talked to attorney that represented them he said the issue has been resolved and it should not affect my record but it is.this is the attorneys contact XXXX XXXX he told me as far as this matter it is closed.i want this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My personal information was leaked or stolen in late XXXX and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Auto debt) with URS Holding, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a phone call from Alltran Financial alleging I owe them an auto debt. I do not know who this company is, I 've never heard of them and have done no business with them. I 've also received no information in the mail regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. Collections West, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: US Collections West located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX has placed an account for collection that has been paid, settled, and resolved through litigation with the original creditor. 
Upon my surprise after checking my XXXX credit report ( XXXX ) I found an entry for US Collections West ( see attached updated report with US Collection entry ). 
I immediately contacted US Collections West at XXXX and told the assigned customer service representative that " I did not owe this debt. This " debt '' has been resolved through the XXXX County XXXX XXXX Justice Court case No. XXXX. The debt was paid and upon the Plaintiff 's motion and for good cause shown it was vacated as the " plaintiff ( original creditor : XXXX XXXX XXXX XXXX XXXX ) and defendant have fully resolved this debt. '' I disputed the collection account via telephonic communication with US Collections west ( see attached phone records ) on XXXX/XXXX/2016 at XXXX. I was instructed that the account would be placed under dispute and I would receive validation of the debt. I was also instructed to fax a copy of the vacated claim which I faxed on XXXX/XXXX/2016. 
As of XXXX/XXXX/2016, I have not received validation, follow-up, nor deletion of the tradeline on my credit report. US Collections West has not notified the Credit Reporting Agency in a timely manner that the account is in dispute. 
As of XXXX/XXXX/2016 US Collections West has not provided validation of the alleged debt, yet continues to report to the Credit Reporting agency the following : 1. ) a debt exist 2. ) reporting a debt with monthly terms and a past due amount 3. ) Re-aging the alleged debt using an alternative date of first default 4. ) Failing to report the trade line is in dispute The following violations have occurred and more may have occurred : Violation of 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as an installment with a monthly payment term. 
Violation of FCRA 623 ( a ) ( 5 ) by reporting an alternate DOFD to Credit Reporting agencies Violation of FDCPA Section 809 { 15 USC 1692g } by failing to validate the alleged debt after receiving written ( fax ) and verbal confirmation of dispute on XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit card () with REGIONS FINANCIAL CORPORATION (GA).
Issue: Other fee

Complaint: Here are the key facts : I opened a credit card ( Regions Bank DBA XXXX ) in college at XXXX University ( XXXX - XXXX ). Date account was opened XXXX/XXXX/XXXX. 
I paid as agreed until the card expired I left college, got married, changed to my married name, and pursued joint credit products to support new our new lifestyle The original account went dormant ( address was still maiden name and student address at XXXX Univ. ) Regions Bank ( DBA XXXX ) applied an account service charge in XXXX, but consumer was not made aware. 
Regions Bank should have known that account was dormant because no subsequent card was activated since late XX/XX/XXXX. 
Regions Bank reported card past due 180 days. 
Customer discovered mistake in XXXX XXXX during mortgage refinance attempt ; fees skyrocketed when applied jointly. 
Customer notified Regions Bank - account was closed ; customer service representative pledged to correct credit history. 
Customer had to remove name from mortgage application to get fees back down ( fortunately husband 's credit score is XXXX - based on all jointly held accounts since XXXX ). I was not able to get a mortgage loan to refinance my existing loan at prevailing rates. The only way to move forward with the transaction was for my husband to refinance the loan in his name only. This makes no sense because in 17 years ( since XXXX ), every one of our credit projects have been held jointly by both of us. He has an XXXX credit score, and mine has been marred by this erroneous information that the lender ( Regions Financial ) refuses to correct. 
Customer reviewed credit in XXXX ( XXXX ), and discovered adverse data had not been corrected. 
Regions must have applied the service charge in XXXX XXXX because my account went 30 days past due in XXXX XXXX. 
Customer contacted Regions Bank - customer service representative said " nothing could be done. '' Customer sent letter to Regions in XXXX XXXX. 
The bottom line is that I feel like I have been a victim of an institutionalized credit system. I have paid all bills presented to me. And I have paid all debts incurred by me. I am very upset that my credit history has been so negatively affected by a creditor who applied service charges on a card that I did not receive ; that I did not activate ; and that I did not use for personal benefit. I feel like the credit system has failed me and my family. 

Thank you so much for your help. I read the XXXX XXXX article titled " The agency that 's got your back. '' And it gave me hope that my voice might be heard. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Student loan (Private student loan) with AES/PHEAA (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Predatory lending practices, deceitful, fraudulent. Interest designed to keep you in debt for life.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Other debt) with U.S. Collections West, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I've asked U.S. Collection West, Inc where is the contract that shows they've been given the right to collect on the alleged debt from the ORIGINAL creditor.  Since they're a 3rd party, they have no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. According to 73 AmJur, 2nd, Section 90. You have no right to "subrogate" (substitute) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you "bought" the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a "stranger to the transaction" (voluntary payee).  Once again, I'm asking you to delete all information you have furnished to any and all credit bureaus and destroy information about any alleged account you claim to have with me and should you sell, assign, transfer or trade the alleged account to some other entity to attempt collection, I will file a formal complaint to the Attorney General against your company.I've also attached a letter from them stating they wouldn't respond to me any longer.

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