AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had an account with Wells Fargo that I had asked to be closed due to fraudulent activity on the account. Wells Fargo agreed to close the account, yet never did. I called several times, and even went into the branch where the banker was supposed to close the account and was told at least twice they would close it and still ... they never did. After a while a reoccurring charge on the account came through and I was charged over {$100.00} in overdraft fees. The bank never paid out the charges, and still wanted me to pay over {$100.00} back to them. I explained multiple times that if they would have closed the account like they said they had the multiple times I had asked, then there would not be an overdraft to pay at all. After over 6 months of going back and forth, they agreed to pay {$42.00} and said that I would still be responsibility for {$60.00}. Mind you, they want me to now pay {$60.00} to the bank for money they never paid out on my behalf - all because the account was never closed the multiple times I asked for it to be closed and the multiple times I had been told by bankers that they were closing it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX of the exact same debts reporting on my credit report. Same account, Same amount owed, same debt agency, same date of service, same account number, etc. I did an online dispute and they came back verified, however they are the exact same debt and should not be on my credit report twice. You can see in the attachment that they are the exact same debts and they were " verified '' although they should not both be on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Id like to file a consumer report. There is an error on my account and the company no longer has a hold on this account. 

Company response: Company chooses not to provide a public response
Consumer complaint: ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I AM FILING THIS COMPLAINT IN REGARDS TO MY PREVIOUS COMPLAINT. TRANSUNION RESPONDED TO ME THROUGH THE PORTAL, I THEN RESPONDED TO THEM THROUGH THE PORTAL, AS IT IS NOW XXXX XXXX, 2015 I HAVE NOT RECIEVED A RESPONSE FROM TRANSUNION IN REGARDS TO MY RESPONSE. TRANSUNION HAS NOW LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO THEM ACCORDING TO THE FCRA LAWS. THE DISPUTED ITEM OUTLINED IN MY ORIGINAL DISPUTES MUST NOW BE LEGALLY REMOVED FROM MY TRANSUNION CREDIT REPORT. 
I am writing in regards to my original disputes referenced with the CFPB. I have disputed these alleged accounts information as inaccurate with Transunion, and Transunion has come back to me and stated that they were able to verify these alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted each of the creditor listed on my credit report myself and have been unable to get them to verify that these are indeed my debt. 
I have previously enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified signature request. These debt are not mine and I was given no evidence of my obligation to pay these alleged debts to the creditor 's listed on my Transunion credit report.. 
The FCRA requires Transunion to VALIDATE the validity of the disputed items within 30 days. If VALIDATION can not be verified, Transunion is obligated by law to remove the disputed items listed in my original dispute. There is a clear case of unverified debt here, and I urge Transunion to remove these items before I am forced to take legal action. 
Transunion has legally failed pursuant to the FCRA, to VALIDATE the disputed items outlined in my original disputes and is continuing to list the illegally disputed items on my credit report I will find it necessary to sue Transunion for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue Transunion in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I would also like to request that a new fully updated copy of my Transunion credit report be mailed to me at the address listed above in this letter. 
As you can see I am keeping a very detailed record of all my correspondences with Transunion. 
I look forward to a speedy resolution of this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: My bank has been letting XXXX companies take money from my account since about 2011. I have been telling them both via their website and over the phone that they need to stop the transactions from happening that those were n't from me. They have n't done anything till as of late they credited my final deduction on XXXX XXXX. They are now passing me around the bank and doing nothing for me as far as the past due amounts. They pass me around and I have to explain the entire story again to a new person every few days. I can only see 90 days into my bank history so I ca n't get exact dates. The XXXX companies charged me every few months. My bank has yet to do anything really other then pass me around in hopes I 'll get tired like they have done in the past. But enough is enough. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My husband and I both have made several calls to Wells Fargo trying to get this matter resolved in a respectful manner, especially considering that they 're at fault. It was brought to our attention from our mortgage broker that Wells Fargo incorrectly reported information that has severely impacted our credit score. Not once in the past 8 years of owning this home have we been late nor missed a payment, as our record will prove. It was during the mortgage process that it was brought to our attention that Wells Fargo reported a 30 day late on our credit report back in XXXX. We were speechless and immediately tried to understand how and what happened. For eight years, we 've never had a problem. After numerous dead ends and roadblocks, our issue was escalated to their executive customer service department. This is where our communications with the supervisor, ( I 'll leave unnamed ) began. Upon further research, they were able to identify the issue. This mortgage is for a vacation home that we have. Our statements have always been mailed to our primary address. During this time, we moved and we updated our new mailing address on the back of a statement. This is typical procedure for updating your records. As it turns out, someone at Wells Fargo incorrectly inputted the address change and that is what caused all of this. We never received our statements as a result of this clerical error on the part of Wells Fargo. They were off by one number updating our new address. The supervisor then stated that she would escalate the case. She called us at the XX/XX/XXXX to tell us that they were still evaluating the case but to this day we have yet to hear back from her or anyone else. I 'm now unable to get a hold of her when I call. We are now unable to refinance our home due to their mistake which they acknowledged and admitted to. Wells Fargo is now the only negative we have on our reports in the last 20 years. I have proof of my statements with one being the incorrect address and after they corrected their mistake, one with the correct address. Any help would be beyond greatly appreciated as this has really had quite an impact on our lives. Thank You. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from Southwest Credit Systems at XXXX XXXX, XXXX. The representative I spoke with did ID the company. The representative also provided the last 4 numbers of my Social Security Number and a mailing address of mine. No info was verified at that time. I advised the representative that this is a violation of FDCPA. I termed the call. Redialed the company at XXXX - asked the 2nd rep that the call be recorded - attempted to advise rep of the incident of the initial call, rep cut me off to verify info that I refused to provide due to initial incident, advised rep that I would like to finish what I was saying and rep continued to cut me off. I would like to submit a FDCPA violation on Southwest Credit Systems with the FTC/CFPB as the company provided sensitive information such as my social security number. This is information that I am to provide during a verification process - 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Suntrust Bank charged me {$95.00} for a debit card that was cancelled and replaced and which they had previously agreed would not be charged for. After discussions with both local bank staff and their XXXX headquarters customer service, they still charged for a service that had been discontinued. This is typical of the fee driven banking practices of Suntrust and their poor oversight and controls. 

Consumers need to be aware and alert to extra charges slipped into accounts in hopes no one would catch them. The bank obviously has serious ethical and management issues and should not be trusted to treat customers with respect and integrity. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paypal closed my accounts and they 're refusing to send me a check with my leftover money in both of my accounts. I have about $ 1000+ in there and they 're depriving me of getting my money back after they took action and closed my accounts on their own accord. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently contacted Experian about incorrect information they are reporting on my credit file letting them know that this account on my credit file is not mine and I even contacted the company from which was showing up on my credit file and they informed me that they do not have any accounts open or reporting on my credit file and if it is it must be in error. I have attached the letter the company sent me. I then contacted Experian sending them the letter the company sent me letting them know that this account is an error on my credit file and to have it removed but Experian sent me a letter XXXX XXXX saying that I contacted them in error about the account that is n't mine on my credit file and that they are n't going to remove it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Integrated Services, contacted me at my home and on my personal cell phone about a debt owed by a family member. After telling them to longer call me at these numbers and that I have no business with them, they continue to call. They are calling from XXXX XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Names reported is wrong. Someone just misspelled my name. My name is XXXX XXXX XXXX but on my Transunion credit report it shows another person as XXXX. No XXXX at the end. This is not a XXXX person. Someone made a clerical error. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paypal took action to close my account but refuse to refund my money back to me. I 've waited for weeks after my account was closed but they 've still not sent my refund. I do n't understand why they 'll close my account for no reason whatsoever and then refuse to give me the money in the same account they closed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Collection agency : Harris & Harris Ltd ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL ) keeps calling me, and sending collection mail to my home AND work. After repeatedly asking them not to call and send me these harassing ( and embarrassing ) letters they have refused to cease. 

The worst part, I have repeatedly informed them that I DO NOT have any debt or balance, and asked them to please contact XXXX to verify. I even got a XXXX representative on the phone and called them to confirm and was met with further hostility and told that it did not matter. " The only way to get this settled is to just pay us '' is what I was met with. 

XXXX has verified repeatedly that I have NO accounts or balances with them. 

Sending collection letters to someone 's work is a real low, especially when in attempt to collect a debt that is not even valid or owed. Harris & Harris Ltd Collection agency is the lowest of the low. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been receiving collection notices from Linebarger Goggan Blair & Sampson , LLP for more than a year now, for a parking violation that does not belong to me. I have sent them certified mail, including my vehicle registration showing that the plate in question had been registered to MY jeep, not the XXXX that was ticketed. Not only have I never owned a XXXX, the Jeep in question had been un-driven for at least XXXX months prior to the ticket being written. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased on home in XX/XX/XXXX that had a 1st and 2nd mortgage. In XX/XX/XXXX unfortunately we tried to do a deed in lieu of foreclosure. It was approved by the first mortgage holder XXXX XXXX XXXX and they offered Green Tree Servicing XXXX XXXX XXXX XXXX XXXX {$6000.00} to release the lien. They requested documentation and all requested bank statements, etc was sent over multiple months. Eventually XXXX cancelled the Deed in lieu because of the delay with Green Tree and ended up foreclosing on the property. I received a phone call from Green Tree months after the foreclosure saying they would like to settle the account for {$6500.00} with no need to send in any documentation. I did not have the funds to settle and I asked why they did not take the offer when XXXX made it to settle and the response was that Green Tree is slow in responding ( which should be unacceptable in these situations XXXX. I submitted a letter to Green Tree offering to settle the account for {$3000.00} which my daughter was providing to me. I sent 2 cashier 's checks ( {$2000.00} and {$1000.00} XXXX at different intervals ( back to back months XXXX. We did not hear from Green Treee after that until recently when I am being sued for the full amount. These practices should not be allowed to occur. Because I had to retire from work, I lost my house. XXXX offered to pay the settlement to Green Tree and because of the procrastination by Green Tree, I ended up having to foreclose. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a VA home loan with XXXX XXXX back in XXXX and the loan fell through while in underwriting. I lost over {$1200.00} due to having to pay for the VA appraisal and XXXX different inspections on the home. I then applied for another VA home loan with XXXX XXXX in XX/XX/XXXX. I informed my loan officer who was XXXX XXXX of the my previous loan that had fallen through while in underwriting. I informed her I did not want the same thing to happen this time around. I told her the reason my loan had been denied ( residual income being too low due to number of dependents XXXX and she assured me this would not happen. I submitted my documents and she reviewed my credit and income as well as my tax statements. She then told me the loan would be approved and said that my residual income was sufficient because they were able to use more of my income than the previous mortgage company. I again informed her I was very hesitant to spend money on inspections because I wanted to be sure the loan would go through this time. XXXX again re-assured me several times telling me to go ahead and get the inspections going because she would send my loan to underwriting to get approval. She further stated the loan was a sure thing. After 3 weeks XXXX informed me that my residual income was too low and the loan was not going to be approved. I was very upset and asked her why she misled me and she stated she was sorry. I ended up spending {$410.00} on 2 inspections and the option fee. I feel like I was baited into taking this loan and feel like I was lied to. This is the 2nd time this has happened to me. Is there anyone holding these mortgage banks accountable? I asked XXXX XXXX for a refund which they scoffed at. I would like to file a complaint because I was misled only so they could get my business. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: ERC XXXX was put on my credit report and I called. They wo n't remove it and are trying to make me send a bunch of information even after they admit its the wrong name and social security number. I submitted complaint 1 with CFPB and they removed it immediately and now it is back a month later. Called again and same result. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX is reporting an account an account that I had filed bankruptcy on as a collection account. XXXX XXXX XXXX report this account to all the XXXX credit report companies. Please investigate 

Company response: Company chooses not to provide a public response
Consumer complaint: After checking my Sears Credit Card online statement in XXXX 2015, I noticed an unauthorized Balance Transfer Convenience Check transaction ( ck # XXXX ) that was posted to my account on XXXX/XXXX/2015 in the amount of {$400.00} and a {$16.00} balance transfer fee. I sent Sears Credit Card a letter stating that I never authorized the issuance of any type of balance transfer checks for my credit card account nor have I ever received any type of balance transfer checks in the mail. I requested that a dispute inquiry be opened since I was a victim of balance transfer check fraud. The bank sent me a copy of the balance transfer check image which was not made out in my handwriting or did it have my true signature, the signature on the check image was forged and completely different than my true signature. On XXXX XXXX, 2015, I sent Sears Credit Card a certified letter w/return receipt ( USPS Certified Label # XXXX XXXX XXXX XXXX XXXX XXXX ) stating that I was indeed a victim of balance transfer check fraud and requested that they open a formal dispute investigation. Since then I have not received any type of formal dispute investigation acknowledgement. 

Company response: Company chooses not to provide a public response
Consumer complaint: Three years ago, I opened a 36 month CD with USAA and a 36 month loan secured by my CD. The maturity date of the CD and the loan payoff date was XXXX XXXX, XXXX Per agreement, funds from the CD would be eligible for withdrawal on XXXX XXXX, 2015, with any remaining balance on the secured loan to be paid from the CD with any remaining balance after deposited into my USAA checking account. 

On XXXX XXXX, 2015, I electronically signed into USAA to cash out the CD and pay the balance of the secured loan. Upon log-in, I discovered that USAA had already taken the loan payment from my USAA checking account, which resulted in an overdraft of appx. {$7700.00}. I then attempted to withdraw the funds from my CD to cover the overdraft, but the USAA system would not allow me to access my account. 

Naturally, I called USAA and informed representatives of the situation, and I made the following requests : 1. I asked that USAA please RETURN the {$9500.00} they had TAKEN from my checking account and applied to the loan. USAA representatives could not ( or would not ) reverse the charge. 
2. I then requested my CD funds be released and deposited into my checking account as to cover the overdrawn funds. USAA representatives could not ( or would not ) provide me access to my CD account or money in the account, although the CD had matured that day. 

Moreover, USAA representatives agreed that my account was overdrawn in error and that the loan balance should have been paid with monies from the CD against which the loan was secured, and they were BAFFLED as to why I could not access my CD or withdraw the funds, but they had no suggestions or apparent means of resolve. I was a told that the money withdrawn from my checking account was a " systems '' issue and irreversible. I was also told not to " worry '' as the " system '' would return the overdrawn funds to my checking account by XXXX XXXX XXXX, minimizing the possibility of more overdrafts. 

RESULTS:1. A negative checking account balance that could not be reversed by USAA nor covered by me, because USAA would not give back the {$10000.00} I had invested 36 months prior with the good faith understanding that I could withdraw the $ XXXX and accrued interest on the CDmaturity date of XXXX XXXX, 2015. 
2. A secure loan DUE but NOT PAID because USAA had overdrawn my checking account and blocked my attempts to withdraw the CD funds that would have covered the overdraft and paid the loan amount due. 
3. NON PAYMENT of four checks posted to my checking account that subsequently bounced, due to the overdraft CAUSED by USAA, and the REFUSAL on the part of USAA reps to reverse the overdraft that USAA made in error or give me access to the CD funds that were due to me that day. I will provide documentation with exact amounts and dates, if needed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A collection under my name is reflecting my credit report bureua, impacting my report negatively. 
I contacted the company Enhanced recovery corporation at tel. XXXX, i spoke to a representative name XXXX and supervisor XXXX XXXX, asking information on this case. 
They explain that it was a account for XXXX on a adress that doesnt belong to me, they ask me to contact direct tv since they dont even have my social securitu number and the adress that reflects on the account its not mine. 
I spoke to XXXX, and they told me that they would contact Enhanced recovery corp, to alllow 10 business day for this collection to be remove from my credit since it didnt belong to me. 
The collection is still on my credit report and when i now call Enhanced recovery corp, they tell me, that they cant talk to me about this account since it doesnt belong to me. 
This collection is really affecting my chances to buy a property, and i will appreciate your help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX 2014 unpaid for {$37.00} I have never had any XXXX service in my life with this company Please fix this problem from my credit 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt was charged off more than 4 years ago ( statue in california ). Debtor reported the activity to the 3 major credit bureau 's knowingly violating the law. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They called here XXXX XXXX minutes apart from each other. 

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