AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was not allowed to dispute a XXXX dollar charged on my account. The charge was from XXXX. The charge is not authorized. The charge is for a pen scribble on a white chair. My wife and I noticed the pen mark when we checked in. The room was free and my card was swiped foa a " XXXX hold for incidentals '' .I never signed anything and I was not notified of the charge and I never agreed to my card being used as a limitless security deposit. XXXX Bank of America MasterCard I should be permitted to dispute this unfair and unauthorized charge per the fair credit trade act 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My XXXX XXXX XXXX township taxes were due on XXXX/XXXX/2015 according to the tax bill dated XXXX/XXXX/2015. Up to this date the bill has not been paid from my escrow account. On XXXX XXXX I called Ditech and I was advised to send a request via fax with the tax bill to their " tax research '' department. I was advised that within 10 business days I will have a resolution. Nothing has been communicated to me, so on XXXX XXXX I called again where I was told that the tax bill has still not been paid, however they could n't tell me why. I requested for the request to be escalated and I was told that in 3 business days I will have a resolution. I also requested to talk to the supervisor where XXXX assured me that he will personally follow up to ensure that the bill is paid. On XXXX XXXX, XXXX called, telling me that he does n't have an update, and that hopefully by Monday he can give on update. Today, Monday XXXX XXXX, I am being told that payment was fedex-ed to the township on XXXX XXXX. I called my township, where they stated that Ditech requested a tax certification ( which the township provided ) and that the payment was still not received. This is beyond frustrating and no one at the costumer service line can tell me why the payment is not being made. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I entered into an agreement several months ago with XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX for monthly payments of XXXX, on automatic payments using my Debt Card with Wells Fargo Bank here in XXXX CA. Four months ago in XXXX XXXX I requested that they stop withdrawing money from my account and they refused. They stated if I stop it will result in an immediate law suit and that they will continue to withdraw the funds. I visited Wells Fargo located at XXXX XXXX XXXX XXXX CA. When I requested that stop the automatic payment the person that helped me stated. They could not stop the payment because I agreed to it and I would have to work it out with XXXX. After several calls to XXXX and there continual refusal to stop the payment. I revisited Wells Fargo again in XXXX XXXX and they finally agreed to issue me a new debt card, but refused to allow me to dispute any of the charges. They quoted some policy that they claim superseded my right to dispute any electronic disputes. At this time XXXX against my wishes and with the permission of Wells Fargo withdraw XXXX in XXXX, XXXX, XXXX and XXXX XXXX. On XXXX XXXX, XXXX XXXX withdraw XXXX from my account using my new debt card. When I visited Wells Fargo ( always the same location ), they called XXXX and we learned that XXXX contact Visa directly told them they misplace my Debt Card information and got my new debt card. Wells Fargo allowed me to dispute only this one charge as a " courtesy ''. I believe that Wells Fargo has directly violated my right to dispute an EFT Charge under Regulation E and Z and possible other Law violations. I attempted to contact the Regional Manager XXXX XXXX for Wells Fargo at ( XXXX ) XXXX on two occasions and he has refused to take my calls or return my calls. XXXX I believe is in the same violations as Wells Fargo by refusing to stop an EFT when requested, using intimidation tactics to force the continuation of payments against my will and committed criminal fraud when they contacted XXXX. I also believe XXXX is guilty of failing to properly protecting my bank information when they released my debt information to XXXX. I am asking that you do the following. Fully investigate Wells Fargo and to the reason they refused there customer the due right to dispute a charge and order Wells Fargo to reimburse my account all funds withdrawn by XXXX from XXXX XXXX to present including any interest and penalty and to fully investigate XXXX XXXX as to the reason why he refused to address such an issue. To levy the most sever penalty allowed by law against Wells Fargo who is XXXX of the primary lobbyist for the passage of Regulation E. To investigate XXXX on there to their policy and procedure on EFT transaction to levy the most severe penalty allowed by law and to criminally charge the employee of XXXX with " Bank Fraud '' and to fully investigate and audit the organization to ensure they are compliant with any and all laws. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I previously had cable services thru XX/XX/XXXX with XXXX. Upon moving in XXXX XXXX, I lost a cable box, therefore, I was being billed for the box. I finally found the box in XXXX XXXX and called XXXX to see if I could still return it. I was told that once I returned the box, my balance would be {$0.00}. I returned the box on XXXX/XXXX/XXXX at their XXXX, TX store. I have attached the receipt given to me to reflect the return. After returning the equipment, I never received any calls nor notification from XXXX that I owed anything else. 3 years later, I noticed that a collection account by SW Credit was placed on my credit bureaus for the {$200.00} that was previously owed before I returned the box. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm handling the estate of XXXX XXXX XXXX. I know he has a balance due to Wells Fargo for a credit card, but I do n't know the amount. I have called and tried to reach a human there to no avail. They leave me messages from the " Deceased Management Office '' with Reference No. XXXX, and they tell me to call ( XXXX XXXX XXXX. When I call, I wait on hold and no one ever picks up my call. I 've waited as long as XXXX and 20 minutes before. I want to close this estate, but I have to pay all the creditors first. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am steady receiving harassing, threatening and abusive telephone calls and death threats from U.S. Bank debt collectors for a debt and checking accounts that was opened up in my name, illegally and fraudulently. I have never applied or opened a checking account with U.S. Bank. I am a victim of identity theft. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello, I just got my report and it says I have an record for forgery several times, and that I have a aka of XXXX XXXX. This is not me. 
1st I was XXXX years old and still in XXXX, Living with my parents in XXXX and XXXX. 
2nd in XXXX I was in XXXX in XXXX, XXXX. 
3rd I have never lived in XXXX or anywhere close to there. 
Last I have a middle name XXXX or an XXXX. in my name. Although I understand there can be a XXXX XXXX with the same birth date, It is highly unlikely. not to mention but, we would not have the same social security number. 
If we do have the same number, I am reporting this forger has stolen my information considering this XXXX XXXX is a forger. Can you please verify this is not me Please. 
Thank You, XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: one click cash payday loans charged my account 5 times different amounts causing it to go over drawn by XXXX the new York state attorney general office want after this company and I do not own on this loan but I owe XXXX to XXXX for the a tamps to taking out money for payment I want this company to pay XXXX the XXXX fee 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: We acquired a loan modification loan some years ago and have had nothing but issues with Green tree and now Ditech. Fraud, misapproiation of funds, threats and numerous other problems with this loan. We are in disperate need of help. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On about XXXX XXXX 2015, Barclaycard closed all my credit cards unexpected and about XXXX points was forfeited. I always pay my credit card pills on time and never miss a single payment. I have paid the hefty annual fee on my Arrival+ card and just lost all benefits I should enjoy upon the account closure. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX HAS CONTINUE TO REPORT AND ACCOUNT THATS NOT MINE THIS IS BEING REPORTED TO XXXX, XXXX XXXX THIS INFORMATON IS INACCURATE!. LOWERING MY CREDIT SCORES 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: While reviewing my EXPERIAN, EQUIFAX AND TRANSUNION credit report, I noticed an unauthorized and fraudulent inquiries conducted by ALLY FINANCIAL ( Tel : XXXX ) on XXXX/XXXX/2016. I did not authorize employees of ALLY FINANCIAL to review my credit report for nay purpose at any time. Further, I personally contacted this company and requested that they provide me with any signed documents authorizing them to review my report within 5 business days and they have failed to do so in clear violation of my Civil rights under FCRA and PRIVACY RIGHT. As a direct result I have continued to suffer irreparable economic loss due in large part to the gross negligence of ALLY FINANCIAL acts and Omission. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I started a re-fi on my current main mortgage. During the process my wife accidentally paid our mortgage payment to a credit card from the same bank. ( Bank of America ) Once we found the error I promptly called my re-fi agent and asked him what I should do to make sure the re-fi went through as scheduled. He had me call mortgage customer care. I spoke to a gentleman there, agreed on a payment date and made the payment on that date which he promised would keep me current and work for the re-fi. They still cancelled the re-fi and told me they could not see the notes the care agent entered. I told them this was not fair and that it is not my fault they have a technology problem. We even went to a branch to pay in full and they told us we did not have to as it did n't show in the system we were overdue/late I called mortgage customer care and demanded escalation. The escalation agent agreed that this should not have happened and she would help take care of it and call me on my cell in 48 hours with a resolution plan. Never got the call back. I called in and no one could help me. By this time I was already receiving foreclosure notices ( Have faithfully paid this mortgage for over 13 years ) and then suddenly the bank sells my loan after servicing it for 13+ years. Now I am in a bad financial position and it is the banks fault as I followed everything they told/asked me to do. And I am out the money I had to pay out of pocket for certain fees. This re-fi should have been a simple and quick HARP deal and because of an honest ( And documented ) mistake I was thrown into possible foreclosure. I will be calling the state provided lawyers in the foreclosure documentation and would also like to know what you recommend. 

Company response: Company chooses not to provide a public response
Consumer complaint: TRANSUNION has violated the law and continues to ignore me and must be held responsible for unlawful behavior and unprofessionalism : 15 U.S. Code section 1681i : ( 2 ) Before the expiration of the 5-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute the address and in the manner established with the person. The notice small include all relevant information regarding the dispute that the agency has received from the consumer or reseller! 
-Transunion refuse 's to acknowledge their 3rd party source who is holding my credit report hostage. They have failed to notify the superior courts office that i am disputing this item and they have never placed a notification next to this public record labeling it as " in dispute '' and this has affected my score. 
They continue to deny me an investigation and have denied me any further ones, and that is NOT LAWFUL! I have no proof, no verification and no notices from the records office or transunion that I have disputed this invalid lien. 

Transunion is also violating the law section ( b ) in the same paragraph. Which states : The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). 
-Transunion has not done this in any way shape or form and I have received absolutely no descriptions an procedures as to how and what actual evidence was used in the determination process. The records office has NO evidence of a request on this agencies behalf to verify ANY information under my social security number or even my name! This company is shutting me down like I am nothing to them! 



Notification of FCRA law violation regarding TRANSUNION. They have threatened me again. They have claimed that I will NOT be heard and I would like the CFPB to note that I will not cease to fight an invalid tax lien XXXX from my credit report. Transunion refuses to investigate anything nor do they acknowledge that this lien was deemed invalid and should be removed by law. 

Company response: Company chooses not to provide a public response
Consumer complaint: I DO N'T KNOW WHERE THIS DEBT IS COMING FROM. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX -- -XXXX XXXX AND XXXX XXXX XXXX XXXX INQUIRES ON MY CREDIT BY NEGLIGENCE ( XXXX ) TOTALING XXXX-BUREAUS TRANSUNION-XXXX-XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been receiving threatening mail correspondence from Hood & Stacy attorneys at law regarding an alleged debt - account that was opened back in 2004. This account was disputed to the financial institution due to identity theft. Now, this office is attempting to collect the amount of {$8000.00} for charges that I am not liable for. I asked them for verification of the debt, and they sent me a contract agreement containing a forged signature, which by all means is not my real signature. They also provided me with an address that I did not have at the time I supposedly opened this account. I also ask them to provide me with details of how the amount was calculated since I was curious, and they failed to do so. Now, I am receiving harassing correspondence from this office, and I would like for them to stop any collection activity since I am not liable for any portion of the debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a hospital visit where I saw several specialists. All medical providers billed me properly to the correct address. The XXXX company who did not, XXXX XXXX, sent communication to the wrong addresses and never reached out to me otherwise ; the company has documentation of using the incorrect address, none of which are addresses my insurance provider, the hospital, nor myself have ever used. XXXX XXXX seems to have several addresses mixed up into XXXX which created the communication error. They did however have my phone number and never used it to contact me and instead sent me to collections over {$8.00}. When I reached out to the collection agency, they were very rude and aggressive. The company, ATG Credit, refused to give assist me in a professional manner and also hung up on me. I then contacted XXXX XXXX and spoke with XXXX who said they would reach out to ATG to have my account pulled back to the XXXX XXXX to get this discrepancy rectified. The communication between both companies happened on XXXX XXXX, 2015. Since then I have not received any follow up and ATG has reported my account as Key Derogatory yet again. I have paid them the {$8.00} owed as I would have paid it if I was billed, but this is still on my report and the company did not hold up their end of the arrangement to remove the inaccurate credit infraction completely as if it were never there. IT should not have been there in the first place. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, I drove 3 hours from Washington DC to XXXX, PA for the sole purpose of closing my bank accounts with First National Bank ( who just bought out my bank - XXXX of PA ). I went to the XXXX branch on XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ). I was met with, " We ca n't close your accounts until Tuesday because we do n't have account totals. '' Seriously? Way to plan for the merger! I signed all the paperwork and was told they would mail a check on Tuesday, XXXX XXXX to my temporary residence in XXXX, MD. It 's only XXXX miles away from XXXX so should have arrived the next day. Wednesday, the XXXX came and went. Thursday, the XXXX came and went and still no check. I called Friday, the XXXX and was told the checks were n't mailed until Thursday and should arrive early this week ( XXXX XXXX or XXXX ). 

It is now XXXX XXXX, almost TWO WEEKS after closing my accounts and I STILL HAVE NO CHECK. I called again this morning and talked to the bank manager, XXXX, and was told that the checks were sent last Thursday, the XXXX, not Tuesday as promised, but they went to a main bank or corporate or whatever in XXXX first and would be sent out from there sometime. " Probably Monday or Tuesday she said but that was a guess. She did not verify that they were indeed sent out. '' Meanwhile, I have {$50.00} in cash to my name which I used to open the account at the new bank. I have an overdue credit card which is now maxed out because I have no cash and First National Bank has my {$15000.00} in limbo for almost 2 weeks and the best part is I now owe a late fee and all the interest on it because of this whole screwed up process and the repeatedly being lied to. I also have no way to pay my electric bill or buy groceries. Way to go First National. I clearly made the right decision to close my accounts when they bought out XXXX. I want my XXXX money!!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015, I increased the amount of my automatic monthly mortgage payment by {$100.00} to pay off my mortgage faster. I received an email indicating that my auto debit payment date has been changed ( which I did not change online ) so I called to inquire. I spoke to XXXX. She assured me ( multiple times on a recorded line ) that my payment automatic deduction would occur on the XXXX of every month as it had for the past several months. On XXXX/XXXX/15, Roundpoint deducted my mortgage payment from my bank account. I called and spoke to XXXX ( XXXX ) and he assured me that the money would be returned the same day. XXXX called back moments later asking for my bank account number and routing number which Roundpoint obviously has since they have been deducting my monthly mortgage payments. I was uncomfortable providing this information to XXXX and he refused to process the refund. I asked to speak to his supervisor. After a 45 min wait, XXXX finally got on the line. She could not explain why 1 ) XXXX had asked for my account information given that they have it on file 2 ) Roundpoint had deducted the money without my permission. 

Company response: Company chooses not to provide a public response
Consumer complaint: Financial Recovery Services is calling for someone who owes a debt but does NOT live at the phone number being called. They keep calling the " wrong number '' day after day and month after month looking for someone else. I AM ON THE DO NOT CALL LIST! 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I was issued a {$50.00} prepaid debit card through a rewards program with Pentagon Federal Credit Union. The card expired XXXX with none of the money ever spent. I am now being told by the phone number on the card ( XXXX ) and PenFed rewards program ( XXXX ) that none of them are able to refund my money or issue a non-expired replacement card. The rewards card # is XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I hired an lawyer for a legal matter, she when on maternity leave after taking the case and handed it off to another lawyer. However I was still being billed for XXXX lawyers. I was charged from the lawyer that went on maternity leave the day after she had her baby for a court hearing to which she was not there at. I did not sign a retainer document for the second lawyer but they demanded that I pay XXXX retainers. XXXX lawyers charged me for the same items, and not the credit collection company is telling me that they are going to take me to court. They faxed me the " proof of debt '' and their own ledger does not support the amount of money being asked for. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers