milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Customer service / Customer relations

Complaint: I have never been harassed as badly as I have from Wells Fargo. The first day my student credit card payment is late, Wells Fargo begins calling me daily. Today I have received 4 calls from Wells Fargo, 2 of these calls were made back-to-back. This is illegal under FTC guidelines and Wells Fargo needs to be fined. I also have a Checking account with Wells Fargo, which I have also been scammed out of over {$200.00} in overdraft fees. Wells Fargo will post charges to my checking account, then remove those charges the next day, and repost the charges in a few days after more purchases have been made. This is fraudulent activity and this bank needs to be investigated. I will be closing all of my Wells Fargo accounts very soon.

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 12/28/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Today I received in the XXXX Mail a letter from " Equifax '' credit bureau dated " XXXX XXXX, 2015. '' On this same letter under the column " Previous Addresses, '' it incorrectly states that I lived at " XXXX. XXXX XXXX ; XXXX, California ; XXXX '' as " Reported : XXXX. '' I have NEVER lived in " XXXX, California. '' I 'm not really sure where it is at. I am a victim of " Identity Theft. '' For the last 18 years I have lived in the XXXX, California area. When I called up " Equifax , '' they refused to " Delete '' this false XXXX '' address from my " Equifax '' credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: An XXXX XXXX XXXX account was opened in my name, without my knowledge, at an address in XXXX, GA. I do not live there, I live in a totally different state, Mississippi, and I have not given permissions to anyone to acquire any services. While checking my credit report, I saw that a collections company had reported a {$490.00} debt to all three credit bureaus in XX/XX/XXXX, so I disputed this item in XX/XX/XXXX with all three bureaus. <P/>As a result, each credit bureau has continued to report this item as a negative adverse account after the dispute. What actions did they take to resolve this issue? They called the collection agency. <P/>I feel that XXXX XXXX XXXX is allowing this to happen to consumers because their ultimate goal is to make money by any means necessary, including identity theft and fraud. They have workers who install services in homes without asking for proper identification. This simple action would alleviate a lot of problems with identity theft and fraud, but its not being done. Then, its reported to a collection agency who makes money by reporting it to the credit bureaus, because consumers would rather let their credit remain adverse or pay it to make the problem go away, than take the time to let their voices be heard. <P/>Identity theft has happened to me several times. I have worked hard to keep my credit in good standing and I refuse to pay for something I have not consumed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion inserted a vacated/Withdrawn state tax lien on my credit. I uploaded the original letter that the state of Maryland sent to be that states that the Tax lien has been withdrawn and no further action is necessary. The letter also states that a copy was sent to the credit reporting agencies. I am trying to purchase a home and this insertion is causing me issues. To make matters worse, the lien was filed last XXXX XXXX. Transunion just put it on my credit XXXX XXXX XXXX. If you do not investigate them, my next recourse is to sue them.

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 04-09-2017 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Customer service / Customer relations

Complaint: I am XXXX military and in XXXX 2016 applied for amd received the Barclay 's Gold Card which had an incredibly generous offer for XXXX military, they went above the SCRA requirments. They offered 0 % interest and waived the {$990.00} annual fee. In XXXX we received word on Facebook that Barclays was going to stop the benefits for XXXX. My friend and I both called and we were assured on the phone that since we had opened our cards before XXXX 2016 that we would be grandfathered, and keep our benefits as long as we were on XXXX. 2 weeks ago I got a letter in the mail saying that they are changing the military benefits and that my account will be assessed the {$990.00} annual fee in XXXX. This puts service members and myself in a very hard spot because with little notice I have to pay off my entire balance and cancel the card or pay a XXXX fee that I was told I was exempt from. My balance is currently around XXXX, and I do not have enough in my savings to pay it off.

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 04/14/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: my loan was forwarded to shell point mortgage servicing for XXXX. I was behind in payments, and made the payments on XX/XX/2016 in the amount of {$2600.00}, which was three months of payments. this payment should have covered the months of XX/XX/XXXX-XX/XX/2016. on XX/XX/XXXX I attempted to make a payment of XXXX, but the agent advised me that I could not make that amount that I need to make 4 payments, which comes to XXXX. She also advised me that I had XXXX in unapplied funds. then she advised me to send XXXX. I had advised her that I would not have that until next week, and she said I had thirty ( 30 ) days to make the 4 payments. I was not in foreclosure, but they could not take the three payments is what she had advised me. I told her that I wanted to dispute the other payments that she said was not paid. she said she was going to order a payment history from XXXX. on Monday I called to make the four payments and the agent told me that I would have to pay the XXXX because as of now I was in foreclosure. I told her that was n't so and I advised her what the other agent had advised me. I then requested for a manager to contact me, which I have n't had contact from the manager as of today. At the time I wanted to make the payment of XXXX I was only 3 payments past due. I am a victim of a wrongful foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Checking or savings account (Other banking product or service) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: HSBC is the worst, do n't deal with them. Opening account, giving their info, they told you something is wrong, and then hold tax, using your account without your agreement. HSBC did not do bank duty, also violating the US law. How dare they are, g ot to get an to attorney to work on the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/19/2017 about Debt collection (Other debt) with Perfection Collection (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I HAVE CANCELED MY ALARM SERVICED CAUSE IT WASNT WORKING PROPERLY SO I TOLD XXXX ( THE ALARM COMPANY ) TO CANCEL IT AND TOTAKE THEIR STUFF BACK BUT THEY NEVER DID AND THEN THEY PUT THE COLLECTION ON MY CREDIT.SINCE XXXX 2017 IN THE AMOUNT OF {$3500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Consumer Loan (Installment loan) with Conn's, Inc. (AZ).
Issue: Problems when you are unable to pay

Complaint: The company gives harassing calls 8-10 times a day. Also calls my work 3 times in one week. I am only 1 week late paying my bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MD).
Issue: Account opening, closing, or management

Complaint: PayPal limited my account and then closed it within 24 hours without providing any documentation for why they are closing the account. They are also holding my funds ( $ {$650.00} ) for 180 days before even telling me how I can get them back. They are refusing to respond to my emails/questions as well as refusing to deposit my funds into my linked checking account. I find it completely unacceptable that I would have to wait 6 months to collect the money that is in my account.

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 11-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AK).
Issue: Account opening, closing, or management

Complaint: In 2006 I had an account with Wells Fargo in XXXX, My husband and I decided to move to XXXX. I waited until we had moved to XXXX to close the account because I used the debit card going through XXXX. When I got to XXXX, I closed the account the XXXX of 2006. At the time, there was an amount of {$36.00} which I withdrew Nearly two years ago, I recieved a call from Wells Fargo telling me that I owed them {$300.00} for this account that had monthly fees that had built up. I told them that I had closed the account. The paperwork ( over 7 years ago ) had been lost due to moving and a fire in our storage shed. I did not hear amything until today when my daughter in XXXX had a process server show up at her house looking for me! I called the number they gave her and a representative Now they are telling me that I owe them over {$800.00}! They said that I have to make a physical appearance if I decide to go to court and if I lose they will charge me over {$3000.00} for the attorney fees. They said they tried to serve me but they did not have my physical address to do so and could not physically serve me at the mailbox I use. I do not owe them anything and this is ridiculous! I would n't do business with these people for any amount of money and at the time of the closing of the account, I was tired of their fees and policies and customer service. Now they tell me that I owe them some huge amount of money for an account that I closed?? I am on XXXX and they are threatening to take my vehicle and attach my check when it is deposited. They are going to serve me again but I can not afford to pay this and I do not owe it. They are scamming to get money. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: Experian has not provided any contacts, signed contract, sources or verification methods as required under the FCRA for an item I have disputed several times. Even though on different occasions I have requested such information, Experian, continues to ignore these requests and reports the now outdated account as verified. This account is not only erroneous but according to their reporting, as of XX/XX/2018, the account is now over 7 years old. This account is not only erroneous but is also outdated and should be deleted immediately.

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Grant & Weber (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a medical bill at the time of the service I was unaware that my medical lapsed. I contacted medical the following week and the back dated the coverage for any care received with in the last 30 days. This care was included and I offered the medical information several times to the agency and they neglected to bill the insurance appropriately. I need this item permanently removed off my report. As it is false and is not my debt

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 09/15/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (PA).
Issue: Problems caused by my funds being low

Complaint: Went into branch XXXX/XXXX/15 ; made cash withdrawal of {$610.00} before XXXX ; next evening, XXXX/XXXX/15 after XXXX called auto system to check balance ; I was given an amount of over {$600.00} by the automated teller ; was assured by customer service agent that the amount of the balance quoted was correct and it was from my employment ; transactions were made ; I was charged overdraft fees all because someone in the branch did not do their job correctly and I was led to believe this money was available. If cash is withdrawn from an account, how can it still be there? I thought it was a bonus ; I do get bonuses from my employment. The amount of overdrafts reached an amount that was more than my next paycheck. The bank did take responsibility for part of the overdrafts but the fact still remains that I had to pay for someone else 's mistake. Why would it take over 24 hours for a cash transaction to post? My guess is someone was not paying attention. 
Just the month before I went to the same branch office and asked to withdraw the same cash amount from my saving. The same teller withdrew money from my checking account when he/she could plainly see that the amount requested was not in my checking account! I 'm standing right there. Could n't she have just checked with me to make sure it was the correct account? That time also I called to check my balance the next day and found my checking account overdrawn! This time when I spoke to a customer service agent I was able to transfer the proper amount of funds from savings to checking to cover someone else 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Problems when you are unable to pay

Complaint: I received a car loan from Wells Fargo Dealer Services in XXXX for a XXXX XXXX XXXX. My payment was {$380.00}. I was unable to make my insurance payments for 3-4 months in XXXX while I was unemployed. Even though I was not driving the car, Wells Fargo covered the car for those months. Ever since then, my loan payments have been {$390.00}. It 's been over 3 years now. I do n't understand how I 'm still being charged $ XXXX for 3-4 months insurance after I 've already paid hundreds of dollars. I do not trust Wells Fargo after the disclosure of their widespread fraudulent behavior. I believe that Wells Fargo overcharged for the insurance provided during the 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am part of the Equifax Security Breach that occurred in XX/XX/XXXX and that was publicized in Early XX/XX/XXXX. I feel that Equifax did not do enough to protect my personal and highly sensitive information from this breach. I am now worried that my personal information is at risk for identity theft and other fraudulent uses. I do n't think one year of credit monitoring will protect me from this massive misuse of mine and millions of other 's personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Auto) with Dynamic Recovery Solutions, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed Original Creditor : XXXX XXXX, approximately, {$890.00}, however, that was in 2001. 
I received a letter yesterday, attempting to Collect on this " Over '' 10year, debt.This debt doen not even appear on my XXXX Credit report. Would you please " look '' into the Validity of this Nature, please. Thank-you, sincerely, XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter on Monday XX/XX/XXXX from XXXX XXXX, dated XX/XX/XXXX, in an attempt to collect a paid debt. The letter was received after their firm, XXXX and XXXX entered into a settlement agreement with me and filed a Request to Set Aside Default Judgement, supposedly filed on XX/XX/XXXX. My lawyer requested and still has not received a stamped copy of either. There is no entry on the courts docket. 

It 's completely unacceptable, unethical, fraudulent and in violation of the settlement agreement in this case. So, far the only term of the settlement agreement that they have complied with has been the cashing of the settlement check.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Consumer Loan (Installment loan) with D. SCOTT CARRUTHERS (CA).
Issue: Problems when you are unable to pay

Complaint: Hi I received a call from " Law office of Scott Carruthers '' today. First a girl spoke with us and said we owed a few thousands on a bank account that had negative balance almost a decade ago. And that we need to pay this amount. 
When we asked her if her office was a debt collection agency, she said NO. She said they were a law office. Which seems like it was a false statement. 
When we disputed this amount since we do n't see it on our credit report, she started getting irritated and handed it over to her " supervisor ''. The supervisor seemed irritated right away. So we asked him to mail us a letter with all the details of this account, amount, etc. on their letter-head. He refused saying he did not want to spend 42 cents mailing a letter. And he in turn asked us for a fax number where he could fax us a letter. We do n't have a fax. So I persisted with request him to mail the letter. Called my work multiple times, after I told them not to call my place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (I do not know) with Jonathan C. Frank & Associates, LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: JONATHAN C. FRANK & ASSOCIATES , LLC.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Phone : (  XXXX  )  XXXX  For Debt Collections : (  XXXX  )  XXXX  Fax : (  XXXX  )  XXXX  Email :  XXXX  XXXX  XXXX  This company is continuously calling me and my wife for a debt that is not mine and I have tried to tell them this. They call non stop asking me to verify info and threatening to have me arrested. From conversation I think it has to do with payday loans, I have never had a payday loan. They are a ripoff. I have froze my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a loan with national Collegiate Trust. i did n't make any payments on the loan for 6 years and due to the " statute to limitations '' the loan collector should not be contacting me any more, by they still are in both forms phone call 's and letters. I am also trying to buy a house for my family and found out that i can not get a USDA loan for the house because National Collegiate Trust has filled the loan as a government delinquent loan. The problem with that is the loan is a private loan not a federal/Government loan. due to the way they filled the lion on my credit report i am not able to buy my first home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: personal names are not mine. I am XXXX XXXX XXXX. No other names should be listed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My car company is through SANTANDER. 

In XXXX, I noticed that their phone system had trouble processing my payment so I called customer service who redirected me back to the phone system, which I applied my CC info. I was provided a confirmation number, but the payment was never processed. I received saying I 'm 30 days behind and I have to pay late fees, and it shows on my credit of a late payment. 

They told me, to use ACH payment online, it 's FREE and the best way because they pull the money out the same day. I did do so, and paid an additional {$150.00}, plus {$450.00} to bring me current on my payment. 

Now, they are saying the only way is to pay the {$5.00} to have a human process my payments because my payment did n't come through or that it was " returned ''. This magically happened after I filed TWO FTC complaints against them, ( one for the late fees, second for the payment options ). 

I make only {$10.00} an hour and live in NC, where the cost of living is not high, and I live hand to mouth. Meanwhile, this company calls me all day and all night, telling me they 're going to take my car, that they made bad notes on my credit, that now I 'm TWO months behind and keep charging me these ridiculous fees. o This is the FIRST time I have EVER leased a vehicle before and I ca n't believe my lender is behaving in this manner. I need help. What do I do? How do I make this stop?

Company response to consumer: Closed with explanation