AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In XXXX 2015 I mailed out a check for {$890.00} to XXXX XXXX who is my landlord. This check was for my rent. This check number was XXXX. On XXXX XXXX I noticed the check was cashed against my account. On XXXX XXXX My landlord called me and stated she still had not received the check. I then went to XXXX bank and they printed out the check for me. The signature on the back of the check was signed XXXX XXXX. I filed a claim with XXXX bank on XXXX XXXX stating I did not give XXXX XXXX permission to cash my check. The claims department stated they did not receive my claim and I had to go back to the bank 3 times to resend it. They finally received the claim on XXXX XXXX. I called XXXX claims department to check on the claim and they stated the claim was approved and I should have the money in my account 3-7 business days. On the 6th business day I called again to check on when I was getting my money and I was told the claim was n't approved it was actually denied. XXXX then told me they got Bank of America to reopen the claim and it should be completed within 30 days. I then received a call from XXXX XXXX from the XXXX XXXX station where I currently live. He told me the cops found XXXX XXXX XXXX in possession of my mail and about XXXX other victims. He then asked if I wrote a check to XXXX XXXX for {$890.00} and I told him yes. He said that this suspect by the name of XXXX XXXX XXXX was arrested for fraud and that they had the suspect who stole my check and gave me a police report number. The report number is XXXX. I then called XXXX and gave them the police report information. I was then told on XXXX XXXX 2015 that XXXX sent Bank of America a demand letter. On XXXX XXXX XXXX did a follow up with Bank Of America and Bank of America stated an expected date of completion would be XXXX XXXX. On XXXX XXXX XXXX informed me they closed the claim due it being beyond the 120 days that they had to work on this claim. I called Bank of America and all they would tell me is that they denied the claim with XXXX. If this matter is not resolved I am going to follow through with a lawyer and sue for this amount plus more. This has cause me to have to move and put a lot of stress on me after I gave birth to my son. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 I requested 1st Financial Investment Fund provide validation for {$100.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Spotloan was the lenders i went with. I had to close my bank account beacuase spotloan charged me on the XXXX and not on the XXXX as I was expecting. They took more money then I could afford and left me XXXX in my account. I had to change banks. I also recieved a call stating they were going to take the remaining balance on the loan.So that they were insured it was gon na be paid. I also closed my account based on that. I 'm on XXXX and they asked that when I signed up and my payments were almost XXXX dollars a payment. It 's surely a scam. Please help me! Having to change banks has messed up both my XXXX and my sons XXXX checks and now I 'm stressed out and scared please help me!! I had also setup {$100.00} payments with them and they took XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15 I requested XXXX provide validation for {$500.00} debt being reported to credit bureaus. On XXXX/XXXX/15 XXXX responded, but did not provide sufficient evidence. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I used to have a past due debt with US bank which I settled in full with US bank directly and who deleted this account from my report and resent the collection notice to the collector. Now several years later XXXX XXXX is despirately, agressively and insultingly trying to collect on the debt that has been paid off and cancelled by the original creditor. Is n't this illegal? 

Company response: Company chooses not to provide a public response
Consumer complaint: I was issued an writ garnishment that indicated the wrong principal amount. Per the documents I have received from XXXX dated XXXX/XXXX/2015 stated I owe XXXX, from a sale of the collateral that i voluntarily surrender. According to the paperwork I had an initial balance of XXXX they sold the vehicle for a XXXX, I was charged XXXX for storage in which the vehicle sat in a public strip mall up until the sale date. I do n't feel that is a legitimate charge. I then received a wage deduction notice stating the principle balance is XXXX. This appears to be fraud to get more money than owed. not to mention 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was issued an writ garnishment that indicated the wrong principal amount. Per the documents I have received from Wise dated XXXX/XXXX/2015 stated I owe XXXX, from a sale of the collateral that i voluntarily surrender. According to the paperwork I had an initial balance of XXXX they sold the vehicle for a XXXX, I was charged XXXX for storage in which the vehicle sat in a public strip mall up until the sale date. I do n't feel that is a legitimate charge. I then received a wage deduction notice stating the principle balance is XXXX. This appears to be fraud to get more money than owed. not to mention 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My name is XXXX XXXX, last $ of SS : XXXX. I saw that I had XXXX debts on my credit report. It has been over 30 days since I have been trying to get the debts verified. The XXXX debts were from XXXX and they are now with National Recovery Agency. 
Every time, we reach out to them, they have different information. 
My credit repair consultant sent them a letter yesterday after being rushed by someone who did not want to help. 

Here is a copy of the letter : Please receive letter and supporting documents of Validation of Debt Request for accounts listed above that we already sent to you on XXXX/XXXX/2015. We called on XXXX/XXXX/2015, a representative stated that your company will send the validation of debt within 2 weeks. We called back again on XXXX/XXXX/2015, another representative stated that the file was still with the compliance department. We just called back and spoke with a representative named XXXX who did not take the time to verify any information or asked any additional question but just told us that you only verify information through fax and rushed us to hang up It is very frustrating that the 3 times that we called that we have received different information and that XXXX would not even take the time to gather appropriate information, even after we clearly explained to her that last time they told us that the file was with compliance and to call back within 2 weeks. 
It is either that you are not able to verify the debt or your associates are poorly trained. Either way, per the FCTA, you had 10 business days to verify the debts and it has been one month. 
So, you have 24 hours to verify the debt or send a " pay per delete '' letter ; otherwise, we are submitting a complaint to the Consumer Financial Protection Bureau in regards of your inappropriate care and service to our client. 
If you are not able to validate debt, please send " Pay Per Delete '' letter to : XXXX XXXX XXXX # XXXX XXXX, RI XXXXEmail : XXXXXXXXXXXXThank you for your cooperation and your help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have obtained several emails and had countless phone calls from XXXX, representing a client that owns apartments buildings, in which I lived in for a period of time. During the time of me living there, there was a flood, in which the apartment was found uninhabitable, and my insurance company paid out a tremendous sum to the non named Apartment Complex during the claim in which no one admitted fault. ( The flood happened while I was not home ) After my insurance company paid the claim. I received very specific documentation that I was relinquished of any and all obligation I had toward that Apartment Complex. Specifically, any and all forms of payment I owed to them. This Document I obtained surely speaks for itself. Yet This Company is still after me for more money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed a lien in the State of California to Transunion, XXXX because the lien has been satisfied and released but only XXXX has changed the status on the credit report to reflect the true status. Transunion refuses to change to the correct status. Copy of the XXXX change is attached. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir : Upon return from a trip on XXXX, I received a letter dated XXXX XXXX, 2015 from SunTrust Bank requesting I close all accounts by XXXX XXXX, 2015. I have bank with SunTrust for 30 years and thought it must be some kind of mistake. I called the number on the letter on XXXX XXXX, only to have a rude lady tell me it was a Business decision, but no reason as to why. After returning for another trip, I went into my XXXX XXXX Georgia branch on XXXX XXXX and asked the manager about the letter, he called the number on the letter and got the same response. I then spoke to his boss who suggested that the manager e-mail the regulatory division of the bank and that they would contact me in XXXX hours. No one called, I went back to the bank on XXXX XXXX to close my accounts and he said he 'd e-mail them again. I asked for his bosses boss name and got XXXX and his number. Called XXXX XXXX on XXXX XXXX and he said he 'd get to the bottom of it and get back to me that afternoon. He never called back so the following Monday XXXX XXXX, I called him, got his voice mail and left another message. Finally, a call came Monday afternoon XXXX XXXX from ( XXXX ) XXXX XXXX assistant telling me to call the number on the letter, I explained to her that I and the branch manager had already called to no avail. She said XXXX XXXX would call me back. He did n't. I then on Tuesday XXXX XXXX, e-mail XXXX, his boss XXXX XXXX and her boss XXXX XXXX . Hoping someone could tell me why Sunrust had requested me to close my accounts. I recieved a voicemail from XXXX the assiatant telling me to call the number on the letter, that they could only talk to me. So on Wednesday I called the number again and got the same response, " Business Decision ''. Nothing from XXXX 's boss, XXXX XXXX or her boss XXXX XXXX. I would just like to know WHY i was asked to close my account after 30 years of being a loyal customer. And to be reimbursed for new checks that I bought a month prior and pro-rate the fee I paid for the debit card. 
Many Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a fraudulent account or someone else account appearing on my credit file I had this account investigated with Trans Union XXXX 2014 and it was removed from my credit report. Recently I check my credit reports threw XXXX XXXX and this account was reappeared once again. LONG STORY!!!!! Reinvestigated this information and it 's still showing up. 

Company response: Company chooses not to provide a public response
Consumer complaint: This has been an ongoing issue with SLS since XX/XX/XXXX. They froze my HELOC due to a credit score decline. My score declined due a fraudulent collection account with XXXX i/a/o {$30.00}. I contacted and filed a claim with CFPB at that time as I felt that there was no reason for freezing my HELOC. Only through the assistance of the CFPB was I able to get information from them pertaining to my credit score. I rectified the collection situation and the collection account was removed from my credit report. Accordingly my credit report improved back to the norm shortly therafter. I requested that they reinstate my HELOC, which they refused as I need to provide them with a credit report reflecting an improvement of my credit score, at my cost of course. At that time I refused. I recently forwarded them a recent XXXX credit report dated XX/XX/XXXX and requested that they reinstate my HELOC on XX/XX/XXXX. I received a letter dated XX/XX/XXXX which indicated that they are refusing to reinstate my HELOC until my FICO credit score is XXXX, at a minimum, time of origination. My credit score is currently the following XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX. My credit score as reflected is a very high score and warrants an extension of credit from any institution. SLS is stating that the score does not meet their requirement. How is it possible that the aforementioned scores do not warrant reinstatement? I 'm confident that they are extending credit to other consumers at scores below my score. I 'm very concerned that they are violating equal credit opportunities. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Several recent attempts have been made to the creditor to settle this debt. My claim is that Ditech used Unfair and Deceptive Acts or Practices and was mislead me to believe providing additional information and establishing a settlement amount would lead to a resolution. Ditech stated it must receive financial documents in order to determine a settlement. When documents were received, Ditech agreed to settle in the amount of 10 % and made several calls to " see if we were on track '' to settle the account for the balance. Even as far as to see if I had applied for a loan to get up to the determined amount, I in turn requested the settlement in writing. Ditech, manager XXXX XXXX, specifically stated that they would honor prior conversations stating a 10 % settlement offer. Additionally, Ditech approval manager XXXX, called to gather more personal and private family details, even ethnic background, family size and financial information and related individuals. I advised that I was unwilling to provide such information and was awaiting written documentation of the 10 % settlement agreement. As of XXXX/XXXX/15, Ditech has not called or returned an messages and has not provided the settlement offer. Ditech was made aware that our contact was only made in attempt to settle the debt. By providing the specific settlement amount and agreeing to honor prior communication, Ditech mislead, me as the consumer, by not following up with their promises to settle at 10 % and provide a lien release. I did not receive a settlement offer as discussed nor has Ditech returned or made calls to make good on the promise. Ditech requested extensive financial documents with no intent to settle the debt. Please review FTC XXXX XXXX XXXX legal standards. Ditech has successfully avoided contact with me since XXXX/XXXX/2015, no follow up on dates promised and has deceived me at the debtor. Contrary to our prior conversations on XXXX/XXXX/15, Ditech had no intent to contact me and has continued to act unfairly by deceptively requiring financial and personal information for a settlement and avoiding contact. Ditech mislead me by not following up as promised, by not providing the settlement after calls were made to " keep us on track '' providing the settlement amount without providing the written or supporting documentation. Ditech, formally greentree, has used this practice in the past by promising a account resolution by providing financial documents and no longer responding. They 've used malicous tactics and made degoratory comments regarding my health and the health of my children and family. That is misleading and deceptive and gives consumer false hope of resolution. Specifically providing an amount of settlement and no longer following up is antagonizing and misleading. Additionally, I have discussed my situation with other Ditech account holders and I have reason to believe that other borrowers in a similar financial position but of a different gender and ethnic background have not been treated similarly. I would like this situation resolved immediately. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Barclaycard # XXXXcharged me a {$1000.00} as a transfer from another card that had a XXXX balance. Barclay refused to call the new company to correct this error. I made the call to the previous company and was able to obtain a check for {$1000.00}. Barclay rep told me in XXXX that once the funds were received they would credit the card {$30.00} free plus any more fees/chargesAs of today, they have not and refuse to correct their error. Today the balance is $ XXXXXXXXBalance {$56.00}, {$37.00} late fee, interest {$1.00}. 
All I want is to have the charges reversed and corrected from my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: I wrote a check for {$4200.00}. The date I wrote on the check was XXXX XXXX, 2015. At this date I would have had sufficient funds in my account. Wells Fargo allowed this check to be cashed on XXXX XXXX. This caused my account to be over withdrawn by {$800.00}. Had the check been cashed XXXX XXXX, my account would NOT be over-withdrawn. I made XXXX purchases the same day the check was cashed and these were subjected to {$35.00} overdraft fees. None of these purchases were more than {$20.00}. Wells Fargo reimbursed me in full for XXXX {$35.00} charge but will only reimburse me {$17.00} for each of the other XXXX {$35.00} fees. Wells Fargo should have bounced the check and not allowed my account to have been over withdrawn by {$800.00}. I should only be paying for XXXX returned item fee, which according to my research is {$35.00}. I spoke to a teller on the phone. She stated that when a customer has insufficient funds, sometimes this check is allowed to be cashed and sometimes it bounces. According to this teller, this decision is not made manually, but by a computer. Wells Fargo is not transparent about this particular algorithm, and they need to be. This is an issue of fair banking. If I were someone at WF and had to design an algorithm that decided whether the check should be cashed and the customer subjected to multiple over draft fees versus a check should bounce, it is obvious that the former would be preferable in my case. In the case of the former, Wells Fargo has opportunities to subject small purchases ( such as my XXXX purchases ALL under {$20.00} ) to multiple {$35.00} over draft fees before the customer realizes his/her account is over withdrawn. Of course Wells Fargo has an incentive NOT to bounce my check! This is what they should have done. Looking at my bank account, it is obvious I am not a wealthy customer and it is obvious I make many small transactions throughout the day. As far as I see, I am an ideal customer for charging multiple {$35.00} overdraft fees, as opposed to a single returned item fee. I do n't know if the WF algorithm that chooses " cash '' or " bounce '' factored these variables into their decision, but I and all Wells Fargo customers deserve to know so we can make informed decisions about our spending and informed decisions about who we chose as our bank. 

I would also like to mention that Wells Fargo did not send me notification of insufficient funds until XXXX XXXX at XXXX. According to a teller I spoke with on the phone, if I had noticed my account was over withdrawn immediately and made a deposit into my account of {$800.00} by XXXX XXXX at XXXX, I would not been subject to the {$35.00} fees. That I would receive an email from Wells Fargo nearly XXXX hours after this time further highlights their strategy to prevent customers from salvaging their financial errors. A screen shot of this email as well as a screenshot of my check are attachments on this complaint. 

Wells Fargo needs to pay me {$17.00} X XXXX for the remaining fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX - XXXX - XXXX XXXX, 2015 - Open - $ XXXXXXXXPlease validate and verify the account by providing the necessary information or removed from my credit bureau : A copy of the signed contract or other documents that provide evidence of the relevant consumer 's liability for the debt in question. 
Copies of all, or the last XXXX ( whichever is fewer ), account statements. 
All account numbers used by the bank ( and, if appropriate, its predecessors ) to identify the debt at issue. 
An itemized account of all amounts claimed to be owed in connection with the debt to be sold, including loan principal, interest, and all fees. 
The name of the issuing bank and, if appropriate, the store or brand name. 
The date, source, and amount of the debtor 's last payment and the dates of default and amount owed. 
Information about all unresolved disputes and fraud claims made by the debtor. Information about collection efforts ( both internal and third-party efforts, such as by law firms ) made through the date of sale. 
The debtor 's name, address, and Social Security number. 

Company response: Company chooses not to provide a public response
Consumer complaint: Purchased a vehicle in XXXX Texas. The dealer uses US Bank as XXXX of theirnew car loan lenders. I never received a welcome package so to speak with my account number and where to send payments. I actually had to go back to the dealer and ask the finance department to get the info I needed to make a payment which was due in five days. A 30 day time frame from the original purchase. Since I have an account with XXXX, that monitors my credit, I got an alert as to the new purchase and wanting to know if I had originated the loan or not. During the set up of my account on US Bank website, it was noted that my address was incorrect, my name was spelled wrong twice, giving me XXXX new aliases and a new address that I never lived at reported to all XXXX credit bureaus. After contacting US Bank customer service, their reply to my situationwas to give me phone numbers to the credit bureaus, which I could call to dispute the erroneous information, which they caused and created due to complete carelessness on their part. I just wish I had another XXXX of moving this loan to someone who cares about customer service. 
XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: For XXXX I have already paid this medical bill through another collection agency, when this agency first contacted me I told them it was paid, they proceed to say yes this was sent by mistake. I never heard from them until they had called my in-laws whom I NEVER listed as a contact! They are now claiming I yet again have to pay this bill from 2012!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am having a lot of trouble with Sallie Mae. I called them three months ago for forbarence and they said it was not an option for me. I have all my public loans consolidated through the government and all my private loans through Sallie Mae. I am on Income based repayment for my public loans and I can barely make that payment let alone XXXX payments. I have been told that it is impossible for me to consolidate my public and Private loans through the government so I can have XXXX Income based repayment. If I had XXXX income based repayment, it might be possible for me to live, save money, and try to build my career, let alone buying a house. My credit is in Shambles and now Sallie Mae is going after my parents who are on the verge of retirement. I do not know what to do since I can not have these loans discharged in Bankruptcy. I have not been able to pay either public or private student loans in about 4 months. HELP!!! 

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