AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX and XXXX someone made several transactions using my sons account that I am listed as a co-owner of. There was a {$500.00} cash deposit, followed by visits to XXXX Wells Fargo offices in XXXX XXXX and XXXX all within XXXX minutes of each other to cash checks. The majority of those funds were received as cash back with the rest being deposited into the account. 

The transactions are as follows : XXXX XXXX {$500.00} cash deposit at Wells Fargo XXXX XXXX XXXX XXXX {$620.00} check deposit with {$490.00} cash back Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GA at XXXX {$610.00} check deposit with {$490.00} cash back Wells Fargo XXXX XXXX XXXX GA at XXXX {$620.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX GA @ XXXX {$610.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GA @ XXXX {$650.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX GA @ XXXX {$650.00} Cash deposit with {$490.00} XXXX XXXX XXXX XXXX XXXX GA at XXXX {$300.00} withdrawal at NON- wells Fargo ATM at XXXX XXXX XXXX XXXX GAAnd on XXXX XXXX, {$300.00} withdrawal at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GAMy son and I requested a fraud investigation with Wells Fargo that they have closed ever after admitting that it was not my son at surveillance making these transactions. They closed the ( ATM ) case previously after comparing surveillance for XXXX transaction I reported against a second transaction I reported concluding that the pictures matched. I was told that case was being reopened but I can not find any evidence that it was actually reopened. The ( edeposit ) case was simply closed because his ( reported ) debit card and PIN were used to make the fraudulent transactions. After speaking with a supervisor, I was told that it was going to be given a second look and called back ~ XXXX hours later with the news that it was being closed again. The reason I was given was because they had picture/video of someone other than my son making a authorized transaction ( {$50.00} deposit ) on XXXX XXXX. Thereby, essentially giving up his rights to claim fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX, I co signed on a car. Later I had to file bankruptcy. Credit acceptance was still sending me letters while I was under bankruptcy. My bankruptcy was n't dismissed until XX/XX/XXXX. I stop working XX/XX/XXXX. I received a citation from the sheriff XX/XX/XXXX. I immediately called the number on the paper to let them know I was not working. I was told when I start working I could set up a payment arrangement. For three years I have been unemployed. I just started working two months ago. I called to set up a payment arrangement, I was told I was garnished and that 's it. I went to the court house they told me credit acceptance never sent me a court date to appear in court. They also lied and told the court I ignored the citation. I have my phone records to prove I called them right after the sheriff served the papers. The citation paper have XX/XX/XXXX for XXXX. The papers that were sent to my job says XX/XX/XXXX for XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Earlier this year, I opened an account with USAA via online application. I opened the account with the {$25.00} minimum requirement. Beginning in XX/XX/XXXX I began depositing XXXX per pay period from my payroll deposits into that account since it was going to be my neice 's " savings '' account. XX/XX/XXXX, I went to withdraw money from the USAA ATM fo rthe first time and was given a telephone number to call after the receipt said can not dispense funds. At that time ( XX/XX/XXXX ) I called their CS XXXX requesting information on where my money was, which had only accumulated to XXXX and I was told that the account was put on hold pending eligibility. I informed them that I was indeed XXXX XX/XX/XXXX however my paperwork was in IL in a storage locker and I can not provide it. I was very upset because the account had been opened so long and I had NOT ever been contacted and now my funds were on hold, XXXX. I no longer cared to be eligibile - I want to close the account ( I saw this gap in communication as horrible service ) which I informed them, however the department that closes the account was closed at XXXX. On XX/XX/XXXX I called again and spoke to a member of the dept. who said my fund would be sent via check, expect it in 5-7 business days. By XX/XX/XXXX they had not called - I spent 2.5 hours being tranferred around their back offices and told a manager would call me back in 24-48 business hours. On XX/XX/XXXX I called back and basically accused of having untraced funds from my XXXX Payroll which is clearly stated in the account summary ( attached ) and asked did I ever serve in the military in an accusatory tone from the executive resolutions team and told he would submit a request to their back-office and " see if anything comes of it. '' The same back office who told me on XX/XX/XXXX there is nothing they can do. There is some condescending overtones and I just want my XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was denied credit, based on an Experian credit report. I quickly fill out a request for my credit report at experian.com/reportaccess, as stated in letter, and it gives me a timed out error message every time. I feel this is an attempt to block people from getting their credit reports. Error page is attached. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a secured credit card with a limit of XXXX XXXX dollars. After a year or so, i decided to close that card, why pay interest to the bank for my money. This action happened to impact my credit negatively. No one informed me that this would impact my credit negatively and i do not understand how credit reporting companies can just look at information at face value and determine it requires a negative value. That practice is not aligned with core values and principles of lending. I did nothing wrong but i am punished for years as a result of this. Please take a moment and advise me on how to resolve my issue and what can i do to stop this practice that i will call an intentional oversight for lack of a proper term. Im sure this issue is XXXX, that XXXX americans experience everyday. 
Thank you in advance for your time and help. 
XXXX XXXX XXXX XXXX. XXXX, MD XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concernI 'm writing you today about my horrific treatment by Westlake financial services, I purchased a XXXX Mitsubishi endeavor at a dealer XXXX XXXX XXXX. in XXXX XXXX in XXXX 2015. I put done {$5000.00} on a {$7000.00} car, but for some reason Westlake just sent me a bill for over {$8000.00} not sure where they get that number from. On XXXX XXXX my car was repossessed because I was behind on payments due to me being furloughed from my job with the state of XXXX. I paid off the outstanding balance within 72 hours and wanted to get my car back. 
I was told by Westlake customer services that by paying the outstanding balance the car would be held in XXXX and would not go to auction. After I paid the balance I contacted Westlake customer services and they could n't locate the car, the car had been moved 4 times and was no longer located in XXXX State. It took Westlake customer services over a week to find the car, when they located the SUV it was in XXXX at an auction house. 
Westlake failed to send the release papers to the tow company which meant I could n't pick up the car and it took Westlake over a week or more of me calling everyday sometimes hourly for them to send the release papers. I contact Westlake customer services and got very little help and was transferred to other departments I asked to speak to a manager and was told " no '' rudely. I tried contacting their corporate headquarters and got no reply. 
The vendor/sub-contractor Westlake used to tow my car lost the plats to the car and I needed a notarized letter from Westlake stating that in order for me to get new plats for the car, Westlake customer services had me contact the towing company for the letter which they responded with no and stated that it 's not their policy to give notarized letters I then contacted Westlake again and was told someone would call me back. In addition, I found out that the SUV windows were left open and the inside now has water damage that needs to be fixed. I keep trying to contact someone in management at Westlake and all I 'm ever told is that someone will call me back which they never do. 
It 's now one month later and I still do not have the car back Westlake is demanding payment for the car but it 's in their possession. Due to this stress caused by Westlake I have miss days off from work and the stress has aggravated my medical issues. I would like to end my contract with this company as they are very unprofessional, rude, and they are predatory lenders. 
Reviews of Westlake online are negative and other people have had the same problems with Westlake as I have. Could you please help me bring a much needed resolution to this problem because Westlake will not respond to my calls or emails, my account number is XXXX. Thank youXXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: When moving from my prior residents I turned in equipment for wifi cable/internet. After several calls to XXXX I was assured this issue was resolved. XXXX listed me with XXXX wifi routers. I explained to them on numerous calls that I had only XXXX wifi router as this is XXXX home and they agreed. I did have the router replaced because it was faulty over a year ago and XXXX stated the person who handled my case obviously did not log the equipment as returned and this caused my record to show XXXX and I was assured this will be taken care of and I would not have any further issues and now I have received a box to return equipment and I continue to receive a collection notice for something I do not owe. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have never used the address below and do n't know how or why it appears on my reportXXXX XXXX XXXX XXXX, TXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I currently bank with XXXX XXXX XXXX ( which is an online bank ). I wanted to cash a XXXX XXXX money order ( NOTE : This was a MONEY ORDER - NOT a check ) and yet USBank would not cash it for me because I did not have an account with them! I then took the money order to XXXX XXXX and had them tell me the same thing, " we can not cash a XXXX XXXX money order ''. Even after I explained to them that a Money Order is as good as cash, as it has to be purchased WITH CASH! What on earth is happening in our society when we can not go into a banking institution and have a MONEY ORDER cashed without having to be a depositor of that banking institution! This is highly unacceptable and absurd! I demand to know why I should be discriminated against simply because I do not bank with these XXXX banking institutions! And, because I do most of my banking online, my online bank allows me to make deposits through the US Bank ATM, however, I found out that they will hold these funds for up to 24 to 48 hours before making them available to me, which is highly inconvenient! And the reason that I no longer bank with USBank and XXXX XXXX is because I was getting " fee 'd '' to death if I did not keep a 'minimum ' balance in my savings accounts. I am tired of being held between a rock and a hard place by the banking institutions! I should not be required to have a bank account in order to get a MONEY ORDER cashed, as this is absurdly ridiculous! 

Company response: Company chooses not to provide a public response
Consumer complaint: For its XXXX XXXX, Wells Fargo currently charges 27.99 % ( v ). I understand that credit card interest is in the hands of the card companies, and that they may charge whatever they like! 
There is no cap on interest charged by credit cards. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have observed Amergy Bank manipulation of my checking account to generate unearned over limit fees for the second time this year.Earlier this year while @ XXXX XXXX XXXX I observed Amergy try to cheat me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a Home Deport Credit Card ( acct. # XXXX ) with no other authorized user on it. An unauthorized user was allowed to charge on it and I have been continuously billed {$1000.00} that I did not charge. I have disputed this with Home Depot, XXXX, then a law firm XXXX and now another firmXXXX. Each time they remove the debt from my credit report but it reappears with a new collection agency. How can I get this permanently removed from my credit report? 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a complaint in XXXX regarding my student loans with Wells Fargo Bank. Per their response from the office of Research and Remediation Analyst, I contacted the law firm of XXXX XXXX XXXX XXXX in XXXX, TX. I was told by the law firm to pay over {$1000.00} a month and I explained to them that I ca n't afford it because I have other student loans and bills. Moreover, it is no that I do n't want to pay but my income at the end of the month ca n't meet the said amount. The law firm requested for my two month pay stub, tax returns and a letter which I submitted. I was told to call after two business days. When I called the law firm, I was told to pay {$700.00} for one year, {$1000.00} the second year and {$1500.00} for the subsequent years. I explained once again that it is not that I do n't want to pay but my resources can not meet that payment plan. Unfortunately, I was told to pay with my husband assistance but I mentioned to them that my husband is currently still in school and besides that, he has his own student loans that he is struggling with. 
I have tried several times to contact XXXX XXXX on phone per the response I received but no answer or return call to the messages I left. The law firm has informed me that Wells Fargo has filed a law suit against me and if I ca n't pay what they are demanding from me, they will proceed with the court case. 
Please, permit me to mention that I 'm prepared and willing to pay any reasonable amount in consideration to my expenses which will be between $ XXXX $ XXXX request and appeal is to reduce the {$700.00} to reasonable payment plan that I will be committed. Thank you once again for your assistance in this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX caeds from XXXX popped up on my credit report lowering my score significantley. i want proof these are my bills 

Company response: Company chooses not to provide a public response
Consumer complaint: This company is posing as Aldous and Associates 'Attorneys at Law ' from XXXX , XXXX . I cancelled a membership to XXXX of XXXX ( XXXX ) several months ago well after my contract was expired. 

I owe nothing to XXXX and notified them in writing and verbally that I would not be continuing my membership, that my contract is expired, and that I no longer would use or need their services. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I never took a loan from XXXX and someone from ERC XXXX calls me numerous times a day. No debt validation letter was sent to me. They refuse to issue any address and accompanying documents. I have asked them to stop calling me but they persist. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. I HAVE FULFILLED ALL MY OBLIGATIONS IN ORDER TO ACCOMPLISH THIS. CITI MORTGAGE HAS CREATED UNNECESSARY OBSTACLES IN ORDER TO ACCOMPLISH FAILURE. A COMPLETED SHORT SALE PACKAGE WITH A QUALIFIED BUYER WAS SUBMITTED TO CITI MORTGAGE ON XXXX XXXX OF THIS YEAR. CITI DELAYED REVIEW OF THIS PACKAGE FOR A COUPLE OF WEEKS. AFTER THE INITIAL REVIEW, CITI DELAYED PLACING THE FILE IN THE UNDERWRITING DEPARTMENT FOR ANOTHER COUPLE OF WEEKS. THE FILE HAS BEEN WAITING ON UNDERWRITING APPROVAL SINCE XXXX 2015. CITI CLAIMED THAT THE TRANSACTION WAS TAKING TOO LONG - AND IT WAS, BUT CITI CAUSED ALL THE DELAYS - AND SET A SALE DATE FOR XXXX XXXX, 2015. WE HAVE A SALE DATE BECAUSE WE STILL DO NOT HAVE AN UNDERWRITING DECISION, WHICH WAS DELAYED BY CITI MORTGAGE. CITI MORTGAGE ACTION IS CLEARLY UNETHICAL IF NOT UNLAWFUL. MY HOPE IS THAT CFPB WILL ASSIST IN DEMANDING REASONABLE BEHAVIOR AND FINE CITI FOR THEIR INCOMPETENCE. 

Company response: Company chooses not to provide a public response
Consumer complaint: Continuous calling back to back starting at the top of the hour. They would call around XXXX then again at XXXX. I was only3 days past due and paying on a Friday. I had my bill scheduled to pay then. 

Company response: Company chooses not to provide a public response
Consumer complaint: Related case XXXX can TransUnion put up such a fight to remove items from XXXX XXXX XXXX when XXXX has admitted that there is no proof of me being late on this credit card listed on my file? 

How can TransUnion say an they have verified an item with the original furnisher when the original furnisher ( XXXX ) has addmitteed that they do not have a record of me being late? Please see attached recorded call. 

This raises a lot of other issues including, but not limited to FCRA section 623. 

Company response: Company chooses not to provide a public response
Consumer complaint: I checked my free credit report in www.freecreditreport.com which says that it is a part of Experion. It said I have to pay {$1.00} to get my score and so I paid {$1.00}. What it did n't say that it automatically enrols me in some EXPERION membership which, if I do n't cancel within 7 days, they would start charging me membership fee. NO. THEY DID NOT MENTION ANYTHING. 
Now after 7 days, Experion started charging me {$21.00} monthly for my membership with them which I did not authorise or even enrolled myself for. Is freecreditreport.com is a proxy face for EXPERION to do these things? And yes! There are XXXX complaints against EXPERION for doing this same thing. XXXXBut it seems nobody is bothered to take any action! 

Company response: Company chooses not to provide a public response
Consumer complaint: Since XX/XX/2015 my mortgage company, Roundpoint Mortgage Servicing Corporation, has been charging me escrow of over XXXX dollars. My homeowners insurance company told them I did not renew my policy. That was not true. 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion failed to respond to my dispute letter and they failed to verify that these accounts belong to me before the end of the 30 days period. 

Company response: Company chooses not to provide a public response
Consumer complaint: well XXXX they gave me some insurance on the car told me it was all the life of a long for {$800.00} but in 6 months it was cancelled because that 's all I went for and they told me that I can get license plates and everything with that when I got it so I stop paying for my own insurance because this insurance and they told me a lie I could n't get plates with this because it 's not in XXXX that 's {$800.00} they still have any pain the long should be paid off they still coming at me so I need help because the car is paid off they called third parties on me they did a whole lot of stuff today shoulda called me all types of hours change dates they did n't tell me nothing about this is so messed up company 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The bank BB & T has excessively charged me overdraft fees. I suspect that they reorder transactions at night for batch processing posting debits before credits. They then settle for the day before applying any credits. My bank statement can prove this. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our California Home was Foreclosed on in 2008 after trying to get Mortgage reduction. There was a XXXX and XXXX, purchase money Loan originated by XXXX, subsequently taken over by Bank of America. 
Approximately two-years after the foreclosure, we began getting " Past Due '' statements from B of A, each month adding service charges. this has continued for every month, each time increasing the " Balance Due '' amount. 
Also during this time, we have recieved Warnings that they ( B of A ) are going to " Foreclose '' which already took place in 2008. 
California is a " No Recourse state '' and we received aknowledgement from the state. 
However, we have made numerous calls and spoken to numerous individuals at B of A who have apologized and said the matteer would be resolved, but it has n't been. 
B of A stopped reporting the deliquency to the credit bureaus a couple of years ago, and we have been told that the loand was " Charged Off '' but we continue to receiver the " past Due '' notices, each time with an increasing balance amount. 
Please helpT 

Company response: Company chooses not to provide a public response
Consumer complaint: I was the victim of an internet scam. Someone defrauded me out of a large sum of money. My Dillards credit card account was not in dispute. Wells Fargo shut the account down anyway. I did not request that the account be closed. 

Company response: Company chooses not to provide a public response
Consumer complaint: This dispute is in regards to a collection on my report from XXXX that should have been deleted from my credit reports. The had a collection placed on my report for a XXXX bill at a location I never lived at nor had service. I put in a complaint with CFPB on XX/XX/XXXX for which a response was given on XX/XX/XXXX that stated " The file shows paid in full and has also been recalled to the client and deletion has been ordered after the file was recalled. '' XXXX also stated, " we did recall the file and deleted the credit reporting as requested by the client. '' My case number with the CFPB is XXXX. Please have this collection removed from my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion ( TU ) does not have my XXXX account XXXX listed in my credit report or history. This issue has been going on for over a year. My XXXX has proven to me that they have sent the proper documentation to TU. TU evades and comes up with excuse, many unfounded. It appears to me that TU is trying to coerce my XXXX into a contract. The last discussion I had with TU the representative said my XXXX would have to get in touch with the local TU Marketing agent to correct my account yet he would not provide a name or phone number! 
My account is otherwise correct and shows another XXXX account I have with another bank. If I can not get this issue resolved I am going to see if the NM XXXX or the NM XXXX will take it up. 
TU is subjecting me to higher insurance fees because TU is not properly showing my credit history. 

Company response: Company chooses not to provide a public response
Consumer complaint: someone called pretend to be me and XXXX did not ask for the pin and they gave out private information and that person called everyday till. I told at & t they where the one that broken the contract and gave out person information, and I left and went some where else, has been about 2-4 years ago. and now they are going to different collection such as XXXX, XXXX, XXXX, XXXX, ENHANCRCRCO, XXXX XXXX XXXX, XXXX, and new one is ERC. I though the case was over three months because there was no movement from XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law