AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Hello, I have a big problem with Wells Fargo bank my wife rented a vehicle from thrifty car rental, and gave them my debit card as a XXXX ID. she is not on my account, nor is she an authorized user on my account. she used her own credit card for that rental. a couple of weeks after that they charged my debit card XXXX dollars, i called them and they took it off so i called wells fargo, and told them that i feel that i am going to have issues with this company and to please cancel my debit card all together, which they did and the agent said as long as there is nothing on the account now they can not charge anything on this account about a month after canceling my card they charged my account XXXX i called right away and was issued a temporary credit and they told me that they needed a statement of what happened which i did on XXXX separate occasions, and i have the emails to prove it. Last week i got a letter stating that they are going to apply the credit back to my account because i did not send the proper information. i called an agent on the XXXX of XXXX and spoke to her. she said she will submit a request for more time to investigate on the XXXX of XXXX they applied the XXXX to my account, and now i am overdrawn for that amount. i called and warned them that i would call CFPB and FDIC and the agent bluntly told me that i have that right but that i have that right but that the bank also has the right to close m, y account at any time, which i do n't want they are a great bank, but this is a case of somebody not doing their job. i have since separated from my wife, but anybody can check with thrifty my name was never on that contract, and i never signed for anything. Please help me with this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: This stated with a deposit being made at this sub par branch into y account with a check. 

I was notified that out of the {$5000.00} deposit, {$1000.00} would be available the next day. When I check the next day there was only {$200.00} available. 

Please note that this was my wedding anniversary and I was in XXXX XXXX counting on this money to be there ... in fact I had already spent $ 300+ of it on our dinner ... Well Fargo rubbed salt in the wound by charging me a {$35.00} overdraft fee. 

When I called client support the XXXX person who answered was apologetic and went through the normal script routine and when I was told they could not release the funds I asked to speak with a manager who spoke from the same script. 

They stated the only people who could release the funds was the branch itself which I was then transferred to. The person who I spoke with went along the same script ... again ... when I stated with conviction that I would be taking legal action he transferred me to XXXX XXXX. 

Her inability to solve simple problems and how she seemed to enjoy to openly disrespect a U.S. Veteran, on his anniversary, proved she is incapable of her current position. 

This branch will lie, cheat, and steal and I look forward to publicly shaming them on a continuous basis until a public apology is submitted as well as a substantial settlement. 

It should also be noted that when the deposit was made via check, an option was given to deposit cash to ensure availability but since the {$1000.00} was stated to be available we did not go with that option or the option to deposit the funds into XXXX where my wife banks ... and where I will be shortly. 

CFPB, FTC and the Attorney General are also being notified in addition to legal action being taken. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did my taxes on XXXX XXXX 2015 and my taxes still pending for 4 months then i called the irs office and they told me that they cant send my refund cause they need to verify my id, so they transfer me to another office and XXXX lady ask me a lot of questions finally they found that im the real XXXX XXXX XXXX and that somebody in new york used my name, my last name, my second last name and my social security number there, that person filled the taxes using my info, i call a company to report a identity theft and they said that the only thing that can do is put a fraud alert in my credict report, another concer is that they sent me a credit report and it shows XXXX phone numbers that never belong to me ... 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015, I received email from Sears/Citibank asking for verification of a suspected fraudulent {$650.00} purchase made in another state. I called and confirmed that this was not my purchase. I have not been contacted since, so I logged into their website to get a contact number to check on the status of the fraud investigation. Much to my surprise, I found that my account had been closed. When I called customer service, I was told that my account had been closed 2 days after my phone call in XXXX. However, I was not notified that the account was closed nor did I receive a replacement card. They were unable to provide an explanation for the lack of notification on closing the account or the lack of a replacement card. The rep also told me that the amount of the purchase was {$65.00}, which was considerably less than the amount listed in their email from XXXX. When I asked if a replacement card would be issued, I was asked to provide my entire checking account number to verify my information. They were also unable to provide a current status on the fraud investigation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Case Number:XXXX XXXX : As per XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, response to my XXXX/XXXX/XXXX, compliant. She states Bank of America do n't tolerate discrimination or predatory lending. I beg to differ with her explanation. Because from XXXX to XXXX XXXX, when they transferred my first mortgage to XXXX XXXX XXXX XXXX. They refused to refinance my mortgage not for lack of documentation. But, because I would not agree to another predatory loan with excessive interests rates, and premium spread. I have documentation that BOA tried to charge me XXXX XXXX, XXXX, and XXXX XXXX dollars, respectively to refinance a conventional loan for me. BOA could have refinance a Veterans Administration loan for me. Because, I 'm a XXXX XXXX Veteran. They refuse, that is the reason they transferred the loan to XXXX XXXX XXXX XXXX. If they had gave me a VA loan. It would have cut my mortgage in half. From XXXX XXXX dollars a month to XXXX XXXX dollars a month. If this is not discrimination. Please! tell me what is. BOA have given XXXX Veterans hundreds of VA loans, if not thousands since XXXX to XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX separate times I have made reservations with XXXX resorts. When filling out the payment information there is a pop up that says if you are approved with a credit card from barclayus you can save XXXX XXXX dollars on this reservation. Both times I have been approved and although it states it will take you back to the site it does not. I called Barclay and XXXX and sent letters to both and received no resolution or compensation. I believe they are merely trying to gather personal information and I am probably one of many victims of their desceptive practice. The XXXX incident was in XXXX/XXXX/2015 in my name and XXXX one was XXXX/XXXX/2015 in my husbands name. 

Company response: Company chooses not to provide a public response
Consumer complaint: There was Identity theft and fraud with accounts opened in my name without authorization and fraud activities on my checking account. Bank of America reported me to XXXX and held my liable even after I provided proof of the fraud and made claims repeatedly against the fraud 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo has not met the investor requirements on maintaining a foreclosed property. For the address, XXXX XXXX XXXX, XXXX XXXX, PA XXXX ; Wells Fargo has been informed numerous times that the XXXX acre property was not being mowed. The result is that the grass is often XXXX-XXXX ft high, fox and deer run wild, snakes are present, and XXXX XXXX is a constant threat. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have repeatedly provided IQ Data with my bankruptcy paperwork, and XXXX with the paperwork required. This was on my bankruptcy in 2008 and has been discharged. No matter how many times I tell these people this has been discharged they will not saying it is an open collection and will not remove it from my credit report. The people are rude and aggressive and I have had enough. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: We had a mortgage with Countrywide which then became Bank of America back in XXXX. I filed Bankruptcy in XXXX. Discharged XXXX. After the Bankruptcy we continued to make payments to Bank of America for our XXXX. During the next 7 years we applied fro Loan Modifications on XXXX different times. Bank of America would have us sign and make trial payments. Each time we never received Final Loan Documents. During this time I kept making the modified payments and would call Bank of America regularly to ask why They have not sent us Final loan documents. Was told by Bank of America they would expedite it, but still never received them. We just kept making payments. Bank of America just kept dragging it on to get any payments they could. Now XXXX XXXX, XXXX I find out the Loan was never re-affirmed and that it was part of the bankruptcy and it was discharged. So Bank of America drug this out for so long just to take our money even though it was BK. We paid over $ XXXX. I believe this is Fraud on Bank of America. Please help us get our money back. Property BK now. Backup documents attached are only for recent activity. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX Visa Citi debit cards ( $ 100/card XXXX and realized the expiration was XXXX on XXXX cards. I called today and they told me they would not reissue the cards. The cards are definitely less than 2 years old so this restrictive timeframe is not consistent with the direction provided by your site XXXX that a 5 year time frame would be allowed XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX. I had HELOC OVER 10 years ago which I paid and closed over 9 years ago. Wells Fargo failed to remove their name from the title and they are holding my closing. The buyer might walk away because of the hurdles by wells fargo. please help 

Company response: Company chooses not to provide a public response
Consumer complaint: HelloI have a XXXX mortgage on my home and Green Tree Servicing is the servicing company. It has been a very trying experience from the very start. I requested a XXXX mortgage modification and I was told " we do n't do that '', then they modified it " temporarily ''. I was told that they do n't reduce the principal on XXXX mortgages at all, even thought they are listed on the HAMP website. XXXX I have my payments automatically drafted from my bank account and keep getting letters saying there is a balance. I have never been late on any payment. I called and the representative does n't know why I am getting the letters. I am guessing they do n't process payments I sent in to go to the principal of the loan. The most troubling part is that last week I received a letter from Green Tree stating that my account was put in default and they made a mistake. I work hard to keep a good credit rating and this brought down my rating. I checked my mortgage account online and the balance is still there. Again I call them, they still have no clue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have got a complaint from XXXX of our employees that bank of America has refused to cash XXXX of our payroll checks to him because he does n't have a personal account with them. I wanted to make sure that 's its true. I went myself to cash my personal check at their XXXX XXXX XXXX XXXX XXXX location on XXXX ( I do not personally bank with them but my company does ) I provided XXXX valid IDs and the account of course if full of cash, they gave me some bogus reason that they do n't have the signature in their computer system to compare with the check I am cashing, I asked if they can call to verify if the check is true or speak to a manager. their answer was Nothe Manager refused to speak with me and basically they refused to cash my own company 's money to myself. 
Now I have the power to change banks and I will, because I want my employees treated well, and not be refused to talk to ... 
but not many other people have that luxury! 
Refusing to give people their own money is wrong. they are n't protecting me, they are wasting my time, my employees ' and someone that worked XXXX hours the past XXXX weeks is n't eating this weekend ... 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an application for mortgage assistance sent to my loan servicer, Wells Fargo. Wells Fargo has not indicated that there are missing documents. Wells Fargo has been reviewing my application for several weeks. Today a representative from my servicer indicated that there will be no written decision and that Wells Fargo will conduct a foreclosure sale on XXXX XXXX, 2015. Wells Fargo knows that I am entitled to a written decision. Furthermore, Wells Fargo knows that if the decision is a decline I am entitled to a XXXX day appeal period. Wells Fargo is simply attempting to see what they can get away with. 

Company response: Company chooses not to provide a public response
Consumer complaint: About 5 and a half years ago my wife and I tool out a loan against her car from Wells Fargo Auto Finance. Shortly thereafter I declared chapter XXXX but specifically excluded this loan from the process because my wife and I got a legal separation and the car was hers and the payment was being taken out of her bank account. When notified of my chapter XXXX declaration Wells Fargo stopped taking the monthly payments from my wife 's bank account. I was not aware of this for several months and my wife did n't notice that Wells Fargo had stopped the automatic withdrawals from her bank account. Neither myself or my wife or the trustee had told Wells Fargo to stop the withdrawals. It has been well over 5 years since they stopped the withdrawals. Neither my wife or me has heard any communication from Wells Fargo concerning this matter. My question is can we request Wells Fargo to sign off as a lien holder in order to get the pink slip? Has the statute of limitations expired? 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, XXXX, I received a Earnings Garnishment from the Kohn Law Office. It was referring to a defaulted loan I supposedly had owed. I did not receive a Judgment from this law firm. I did however receive a Judgment for money from a law firm in XXXX, Wi. on XXXX. The amount was {$18000.00}. I sent a Validation of Debt letter to Kohn Law Office, certified mail receipt, on XXXX/XXXX/XXXX. I received the receipt from them on XXXX/XXXX/XXXX. As of this day Kohn Law Offices is not following federal law and has ignored my right to validation. I have not received anything. On XXXX XXXX, XXXX, I receive a copy of Notice of Retainer and Surplus Proceeds signed by XXXX XXXX XXXX, XXXX. in XXXX, wi. This is to XXXX XXXX Bank regarding a foreclosure I was under when the banks were committing mortgage fraud. My house was foreclosed in which I received compensation under the fraud lawsuit. From the paper work, XXXX XXXX filed the retainer against XXXX XXXX for money when the foreclosed house sold. Proving that the XXXX XXXX Loan was taken out with the home mortgaged through XXXX XXXX using the equity as collateral to secure the loan. I personally know the house was sold, I do not have any proof that XXXX XXXX had received any of these funds through XXXX XXXX. I am being refused any and all information in which I have a legal right to know. Kohn Law Office states they were hired by XXXX XXXX to collect. I believe this is a false representation of who owns this debt. They are currently garnishing my wages without providing proof or even a Money Judgment from them from the court. I am not aware of the technicalities of a fraudulent mortgage loan on a house that was used for a equity loan? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I subscribed to XXXX for several years in my XXXX XXXX, XXXX, rented townhouse. In XX/XX/XXXX I decided to move my home/office on XXXX XXXX of the same year. For XXXX months I asked XXXX multiple times for a way to return their receiver to them when I left but received no response except I would need it when I found a new place to live. I had much to do and no time to argue. I left the satellite dish on top of the unit and returned the t.v. and telephone modem to XXXX, but XXXX XXXX had still not revealed where their receiver could be sent, though the account was closed. So I put it in the back of my car. XXXX months later ( the time limit to re-attach the receiver was over ( XXXX XXXX ) and I still had no fixed address. In XX/XX/XXXX I tossed the receiver in a garbage can in XXXX, XXXX as I headed northeast again. Someone found it and returned it to XXXX for shortly thereafter I started getting e-mails from them about a balance owing, but by the time I 'd moved into a long-term rental they had already decided I owed them {$480.00} for a non-account and reported it as unpaid and overdue to XXXX in XXXX, XXXX. This is now on my TransUnion credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: A company with the name of Credit Collection Services ( CCS ), web address of XXXX is claiming that a delinquent account from XXXX XXXX XXXX has been sent to them for collections in the amount of {$270.00} and has been reported to the credit bureaus. They give me the option to pay in full and have the issue resolved. 

The problem is that I am current with my cable and internet ( in fact, I am using it to send this complaint XXXX and XXXX XXXX has not sent me to collections. Credit Collection Services can not provide an account number or any proof that I owe a debt other than reiterating that I owe it and my credit is harmed by not paying it. 

I have not received prior collection attempts from them or anyone else warning that I would be reported. I just suddenly received this letter that I already have been reported, but can repair my credit by paying them. The only option is to pay in full. There is no option for them to even prove the debt. 

Although they provide no account number, they provide a PIN number which is conveniently my zip code. 

Doing a brief web search, it is clear this company repeats this pattern on a regular basis. 

( Please give an extra option in the above drop down window. It is n't so much an attempt to collect a debt that is n't mine as much as it is an attempt to collect a debt that simply does n't exist. ) 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: In XXXX of 2015, I received an alert from my credit monitoring service that Enhanced Recovery LLC had placed a collection account on my credit report. I did NOT receive any communication from this company. I immediately sent a request for debt validation by certified mail according to the FDCPA. I did not receive a response. I sent a XXXX request in XXXX 2015 by certified mail. I still have n't received a response although they are continuing to report the debt on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: IQ Data International Inc. claims that I owe them {$1900.00} and they have failed to prove validation of debt. There is also someone listed as a co-debtor and that person does not exist. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I became a victim of ID theft in 2012 when my Identity was compromised. I believe that XXXX ore more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX XXXX XXXX. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I am currently waiting on approval on a home mortgage. Everything was looking great and the process was almost through until we came to a snag. My credit report had to be pulled up again and it currently shows that I have XXXX late payments in XXXX, XXXX and XXXX. However, I called and spoke with Ally Financial personally and they assured me that there was not a late payment for XXXX since the payment is not due until the XXXX. I am asking that you please retract not only the XXXX late payment that is showing up, but also the XXXX and XXXX as well. I have been a long time customer with Ally Financial and have never missed a payment. The reason for this recent delay in payment is because I have had to make improvements on the house for the inspection to pass and loan to go through XXXX new roof costing {$2700.00} XXXX .Please consider this request. Owning my XXXX home at age XXXX has been a dream of mine. I hope you can help me with this. In order for that to happen my credit score has to come up and this is the only way it can happy. Thank you in advance for your anticipated cooperation. 

Sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The account is listed is 9 years old. XXXX XXXX XXXX account number XXXX 
Experian refused to remove this and stated that it was due to be removed XX/XX/XXXX. This was reported XXXX and that would have to stay on my report 10 years instead of the 5 years that the rule requires. This is a flagrant violation of the rules that the other credit reporting agencies have followed. Since I disputed this my score with them has droppedXXXX points and I can only assume that they have reinserted some other accounts that have been removed. My son used to work for Experian and was told to put calls from the FTC on hold for XXXX minutes and then disconnect. According to the rules I can force anyone to disregard Experian and if they do n't I can report them too. Experian wo n't release my updated report unless I give them almost 40 dollars. They just XXXX off a XXXX veteran, XXXX, and a XXXX with an XXXX of XXXX. At this point they are on the verge of reaping a whirlwind. Their legal problems are going to dwarf whatever bribe they are receiving from XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Today is XXXX XXXX, 2015. I have been trying to receive a loan payoff amount from Bank of America for the past week, so that we can close the sale of our property. When I called their customer care line, the agents who I spoke with obstructed my ability to obtain a loan payoff amount. In dealings with both myself and the designated closing agent, they have refused to fax loan payoff amount information. The only reasoning I can assume for this violation of my rights is that Bank of America continues to abuse SCRA loopholes, and prevent service members from receiving fair disclosure and account servicing. This is not the XXXX time I have reached out to the CFPB regarding Bank of America 's policies and procedures on my mortgage account 's servicing. 

Company response: Company chooses not to provide a public response