milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY ().
Issue: Loan servicing, payments, escrow account

Complaint: wells fargo bank are lieing cheeting XXXX, XXXX XXXX in cahoots with judge XXXX XXXX county court, XXXX florida, usa court reporter got paid of and dissapeerd, no file? 5 year case over in 4 mins max, judge would not look at proof paymants XXXX form of proof acount in credit also co signed insurance check held by bank, my solicitor at the start of this case faxed and telephoned wells fargo cheat XXXX ceo, that there were no missed paymants and sent the proof to the court? Why has the CFPB not looked in to the court case were it is clear proof that all paymants were made and cashed by wells fargo bank this bank has been fined for fraud and falsifying documants crooks? CFPB why have you not looked into the court papers i have all the originals in paper form no matter how long it takes i will prove that wells fargo bank have committed fraud and perjury in a usa supreme court and that is for comittal for XXXX ceo [ crook ] and judge XXXX magistrate XXXX [ crook ] i have just recieved a pack of all doctered paperwork from wells fargo, they have not answered any of my numerouse question by saying, We are unable to provideany information because my questions were to broad? this is a deliberate act to cover up a act of fraud and perjury committed byXXXX XXXX ceo, i demand that the CFPB and FBI investigate this crook, he will be prosecuted in court it will come the letter pack recieved to my XXXX home dated XXXX XXXX 2016 this is XX/XX/XXXX cfpb complaint case against wells fargo bank in vestigate XXXX XXXX ceo, then you will find out what a crook you are dealing with in the mortgage world, you will never be able to move on untill this man has been prosecuted in XXXX supreme court and any body else whom helped him recieve his fat salary check .i demand him to be brougth to justice, this man has ruined XXXX familys lives in the usa i will not stop reporting this crooked bank thanks 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
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/2017, I contacted Wells Fargo and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX detailing Wells Fargo business practices. 

It has come to my attention that Wells Fargo has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. 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 non-monetary relief
Consumer complaint received 07/31/2015 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Back in 2014 I had XXXX at XXXX XXXX and they improperly coded my procedure resulting in my insurance company at the time not paying the entire balance which I just found out about and have been charging me interest monthly after checking my credit report. I have attempted to contact the collection agency and have been told that they can not do anything about correcting the issue and I have no rights other than to pay the entire balance to them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX fraudulent credit cards were opened in my name. I have filed a dispute with the credit bureaus and filed an ID Theft report with my local police department. XXXX company, XXXX XXXX closed the account. The XXXX other companies, XXXX and American Express, are refusing to close the account. They continue to harass me and are asking me to pay for a debt that I did not incur nor give permission to open. When I asked them for a copy of the application with my signature, American Express sent an affidavit to be notarized. These are stall tactics that American Express is using to continue to leave this fraudulent account open in my name. 

Both XXXX and American Express are irresponsible due to the fact that they allowed accounts with limits of over {$5000.00} to be opened in my name - without my signature! Banks require signatures for loans of {$100.00}, yet these companies may open accounts in people 's names without their permission? And when they are given a copy of the ID Theft report filed with my local police they still refuse to close the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pressler & Pressler, LLP (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX of XXXX and XXXX NJ is coming after me for a debt we went to Supreme Court In XXXX XXXX NY in XX/XX/XXXX. THEY were not awarded the judge ent and they are also a third party collector for a debt that goes back to XX/XX/XXXX? 
They sent me another letter this week demanding all my personal info including banking, car and mortgage! I was horrified and did not provide it to them! 
What should I do???

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: Brief Description:1. On XXXX XXXX, XXXX I received a Notice of Intent to Accelerate and Requirement of Strict Compliance from Santander. The notice gave me until XXXX XXXX, XXXX to pay {$960.00} which was the past due amount. 
** I need to know how many days does the State of Texas allow a consumer for a Right to Cure Default Notice2. I was n't able to pay the above amount. So I contacted Santander and set up a payment arrangement and was advised that my vehicle would not be repossessed. On XXXX XXXX, XXXX my vehicle was repossessed 3. I received a Notice of our Plan to Sell Property from Santander dated XXXX XXXX, XXXX. I made several calls to Santander in attempt to returning my vehicle but I was unsuccessful. 4. On XXXX XXXX, XXXX I filed Bankruptcy Chapter XXXX XXXX XXXX ) in order to get my vehicle back. 
5. On XXXX XXXX, XXXX the Bankruptcy was dismissed6. I waited to receive a Notice to Cure from Santander so that I could pay the past due amount but I never received one. On XXXX XXXX, XXXX I received an email from Santander offering a 50 % settlement that 's good for 60 days XXXX XXXX, XXXX. I called Santander on XXXX XXXX, XXXX and agreed to a settlement of {$10000.00} good until XXXX XXXX, XXXX. I asked for it in writing but Santander refused. They told me to call back once I had the money and then they would provide a letter. 
7. In XXXX XXXX, XXXX Santander repossessed my vehicle from a XXXX parking lot. I contacted Santander but they would not return my vehicle. 
8. I received a Notice of our Plan to Sell Property from Santander dated XXXX XXXX, XXXX. I also received, via email, a settlement agreement with repossession fees included good until XXXX XXXX, XXXX. On XXXX XXXX, XXXX I filed Bankruptcy Chapter XXXX XXXX XXXX ) in order to get my vehicle back. 10. On XXXX XXXX, XXXX the Bankruptcy was dismissed,11. I had n't heard from Santander. On XXXX XXXX, XXXX I sent Santander a Demand Letter. On XXXX XXXX, XXXX Santander declined my settlement offer. I was informed that Santander sold my account to XXXX who then transferred the account to XXXX XXXX XXXX. I have tried to contact XXXX but I 'm transferred to someone 's voicemail and I 've never received a callback.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was divorced 12 years ago here in New Jersey. I paid off all I owed back then. Since then I have remarried and have had no credit at all until about 3 years ago. My credit is XXXX and that is with XXXX loans for my sons school payment and orthodontics. These large loan amounts owed is the only thing keeping my credit from being in the XXXX 's. I do not owe these people, XXXX, nor have I owed anyone once I divorced and paid off all my amounts due. They are clearly mistaken. I am XXXX and have XXXX. If necessary I will seek legal counsel and that will hurt my retired wife and I severely.

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 12/23/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Balance transfer

Complaint: XXXX and Citibank opened an account for the XXXX by Citi without my consent. They transitioned the balance from my XXXX XXXX card to that account without approval. I never received a card or a bill for the account. Then they began charging me with late fees and interest. I have contacted them and requested they credit all late fees and interest. They have agreed to credit XXXX charges but would not credit the remaining {$75.00} in charges. I have paid the charges for any purchases I have made but not the late fees and interest.

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 05/18/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: Lease of a XXXX XXXX. 
Ally Bill in XXXX had the followng : Miscellaneous fee of {$760.00}, no explanation. 
Dealership Responded : Thanks for sending that over. I just got off the phone with Ally. The correct documentation is in your account, so they are investigating exactly what happened. 
The property tax charge of XXXX does seem to be in error. 
Dealership Response : I wanted to let you know that Ally has made the correction on your account. The balance for property tax has been reduced to {$150.00}. 
Payment of property tax does not reflect on your credit. If you decided to not pay the property tax during the lease, Ally will simply collect at the end of your lease for the three years combined. 
I do apologize for the amount of time that it took to get this resolved. It had to go up many levels within Ally before official signed off on. 
Complaint : I have requested that Ally provide the actual documentation from the XXXX County, Texas tax office billing me a property tax for my XXXX leased vehicle. This vehicle was purchased for personal use and the state of Texas does not charge property taxes on personal use vehicles. 
I have not received any proof that this was a property tax bill by the Texas, XXXX County. Ally has not provided any legal document to confirm this tax bill. 
Also, I requested an explanation on how they reduced the " suppose '' tax bill to {$150.00}. I have received no explanation. 
I believe they are in violationof the " unfair, deceptive, abusive practices ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine and has previously been removed from my XXXX Credit report. This company " AFNI '' continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report # XXXX, but XXXX stated it was verified by AFNI to be mine, but XXXX companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting AFNI provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When they fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with XXXX on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If AFNI denies this I can down load proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and AFNI needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all XXXX of my credit files where it is listed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: My story started when Bank Of America bought our loan! We bought the house in XXXX XXXX my wife & me at the time XXXX & I thought that we also has insurance on each other in case XXXX passed away, which I will get to later. I got hurt while moving into the house pretty bad. XXXX I worked with these injury 's for a few years in XXXX of XXXX I could no longer working XXXX to make it thru the day. My wife decided that she did n't want to stay so she left & filed for divorce while i was going thru all this. 
I had to XXXX & lost my job to weeks after XXXX. I knew I could n't go back to work so I filed XXXX which I received. since XXXX of XXXX I had been asking help from Bank Of America which they said they would told me to send in a collection of paper work to get the loan modification going which I did over & over again they kept losing my paper work or saying they did n't receive it. this went on till I went up town to the XXXX for help then it still took them for ever to get a loan mod. & XXXX dollars added to my loan from them playing these games. It get better so after all that I met a lady that moved in with me that help me get the loan mod. everything was going fine till XX/XX/XXXX XXXX. So XXXX family comes first we had to help support him & is family while he was recovering. I was n't happy with the loan mod. but they had me over a barrel! I get my XXXX check on the third week ok every month. They made me pay XXXX house payments at closing which put me behind 1 month & late every month. That 's how my second go around with the XXXX. 
started stuck behind the XXXX ball, so when her XXXX we fell behind further. 
I called them an asked if I could get help & they said sure maybe we can get them to let you make extra funds on top of the monthly payment. All I had to do was to summit a pack of papers again that when the games started all over again & the fee 's! I sent this papers over & over & over! I was told by XXXX person that they was all there that it under review & the next would tell me that I was missing things that the last person was reading to me & my handler slipped up & told me it was her job to lose my paper work & play these games! Now they are fast tracking foreclosure on my home! I have some of the paper cover sheets from the faxes that I kept sending. This is the only thing I have left of my hard work before I got hurt. I thing someone should hold them accountable for how wrong they are treating who knows how many people stuck in my situation! By the way my girlfriend has more to lose now that she is my wife since XX/XX/XXXX My ex-wife that was on the original loan has passed away XXXX on XXXX XXXX, XXXX god rest her soul. All I can ask is please help I have been done wrong by these bankers, but I am not without fault. We are just trying to survive & want to keep are house! please! Thank You for listening.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Medical) with Springer Collections Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX/XXXX/XXXX - Received a bill from XXXX XXXX for {$220.00} XXXX ( a XXXX debt collector ) reported this debt on my credit report although I have never received any communication directly from XXXX. Apparently they assigned the collection to Springer Collections ( a XXXX debt collector ) as I was a XXXX resident. 
XXXX/XXXX/XXXX - Received a collections notice from Springer Collections for {$220.00} XXXX/XXXX/XXXX - Sent my HSA account debit card information to XXXX to settle the debt of {$220.00} XXXX/XXXX/XXXX - Called Springer Collections to confirm they had received my payment information because there had been no transaction on my account. They told me the card had been declined. I asked them to run it again and they told me that once again it had been declined. It turns out that Springer Collections can not take an HSA payment which is why it was declined. They agreed that I pay XXXX XXXX directly. 
XXXX/XXXX/XXXX - Called XXXX XXXX and paid outstanding balance of {$220.00} XXXX/XXXX/XXXX - Called Springer Collections to let them know that I had paid the outstanding balance. They informed me that they would get confirmation from XXXX XXXX ( via XXXX ) and close my account. 
Some days later I talked with XXXX XXXX XXXX at Springer Collections to confirm that everything was in order. He told me that XXXX had informed him that there was still an unpaid balance of some {$95.00} - they did update the credit report item from the original {$220.00} to {$98.00}. 
I have followed up several times with all parties : XXXX are clear that my account has been paid in full, XXXX refuse to talk to me, Springer XXXX XXXX XXXX XXXX keeps telling me that I still owe some {$95.00}. 
XXXX/XXXX/XXXX - XXXX XXXX of Springer Collections called me. He told me that XXXX still showed that I had an outstanding debt of {$95.00}. I told him that I had paid the bill in full and that if there was an outstanding debt he should send me the proof - he refused. He said that he had looked at my account on the XXXX XXXX website ( surely a HIPPA violation ) and he said it showed an outstanding balance of {$95.00} - this is not true - the balance shows zero following the payment of $ XXXXthat I made on XXXX/XXXX/XXXX to XXXX XXXX. 
XXXX continue to report a non-existent debt on my credit report. 
Springer Collections XXXX XXXX XXXX XXXX continues to insist that I pay a non-existent {$95.00} debt. The tone of XXXX XXXX 's communication on XXXX/XXXX/XXXX, when he called me, felt like I was being harassed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 08-09-2016 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (TX).
Issue: Fraud or scam

Complaint: my situation is rather strane but i have been a victim of identity theft someone was able to get my account information and use some type of replica card to withdraw funds out of my account from atm machine in the city of round rock and XXXX, Texas i have made multiple police reports signed affidavits, sent revital letters and also verification that i was a work the time this incident occured was XXXX. central time and i was at work in XXXX, Texas the person ( s ) were able to draft over {$1400.00} dollars out of my account .i have gotten nowhere with this institution because they are not doing a proper investigation on there end everything they have asked me to sumbit has been given to them they told me funds will be avail to me XXXX/XXXX/XXXX i was waiting for that day just to just call and be told my case was declined bc it was a atm transaction which i told them originally and they also knew and was able to stop and refund XXXX draft ... since this incident i have yet to recive anything in writing on top of all of this madness i have been a custimer since XX/XX/XXXX and have had my direct deposit setup i have now reopened the claim and waiting XXXX. This company is horrible they over talk me everytime i call and this issue seems to just keep going in circles my nxt steps will be legal action if i cant get the to give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 XXXX has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years  after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.

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