AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My card was placed with a temporary hold on XXXX XXXX, 2015, due to suspicious charges. I found out when I tried to use the card for gas, and it was declined. I contacted UBOC at XXXX, and was told I would receive a return call due to volume. I received the call from XXXX at XXXX PT. I explained that the charge from XXXX for {$130.00} and XXXX for {$130.00} were not mine. I was told that the account would be closed and a new card would be sent to me XXXX, which I would receive on XXXX XXXX or XXXX, 2015, and to call back if the charges post. 
I called them today as the charges have posted, and was advised that there is no record of my call on Saturday, and the account was not closed yet. I was advised I must dispute these charges, and put that in writing. Please consider this me putting it in writing. I did not make the charges, had not been to those merchants, and still had my card in possession. 
Unfortunately, this is not the first time I 've had fraud on this account. After so many years with this bank, I can not believe I was treated this way. I have high fees, high transaction fees for use of ATMs, and can not even get a book of checks without paying for them. I do not want a new card sent out. I do NOT want to close the account yet due to direct deposit, which I must reschedule to my other bank. However, I will not use this bank account anymore. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an email from a Citibank branded Goodyear credit card saying I owe them an outstanding balance. I believe that is a fraud email since I do not have any Goodyear/Citibank branded credit card. See email paste below. 


CitiEmail XXXX EMAIL XXXX Cardmember : XXXX XXXX Account Ending In : XXXX Member Since : XXXXAlerting Service Credit Card - Minimum Payment Due AlertGoodyear Credit Account Card XXXX Balance : $ XXXX Due : $ XXXX Due Date : XXXXLast Payment Amount : $ XXXX a payment was already sent, please disregard this message. To make a payment, visit XXXX and use our Online Bill Payment service. It 's fast and easy. 

You may also use that address to modify your alerts. 

Please understand that we can not respond to individual messages through this email address. It is not secure and should not be used for credit card account related questions. 

This message is for informational purposes only. 

ABOUT THIS MESSAGEPlease do not reply to this email. For account-specific inquiries, please sign on to your online account or call Customer Service. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone stole my identity and opened a XXXX account which they never paid. They then resulted to opening an optimum account when their XXXX was disconnected. I have a police report which states the identity theft. I submitted it to optimum and they took the account off my record. However, I have submitted the police report to XXXX and they are still charging me for it. Now I have a collections agency named Enhanced recovery corporation on my credit file when this account was a result of identity theft. I have tried contacting the agency and no XXXX answers. I have also tried contacting XXXX and I just get passed around the phone until I ultimately get greeted by a voicemail. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Someone stole my identity and opened a XXXX account which they never paid. They then resulted to opening an optimum account when their XXXX was disconnected. I have a police report which states the identity theft. I submitted it to optimum and they took the account off my record. However, I have submitted the police report to XXXX and they are still charging me for it. Now I have a collections agency named XXXX corporation on my credit file when this account was a result of identity theft. I have tried contacting the agency and no one answers. I have also tried contacting XXXX and I just get passed around the phone until I ultimately get greeted by a voicemail. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently applied for a VA Home Loan through Loan Depot. XXXX XXXX, Senior Mortgage Banker, ( XXXX ) XXXX, XXXXXXXXXXXX was the contact. It was XXXX/XXXX/2015. I agreed to pay Loan Depot {$2500.00} for the origination charge with no charge to lock in the interest rate of 3.75 %. Between North Dakota 's title company and abstractor, the process of closing this loan was so slow that my loan interest rate of 3.75 % unlocked and through no fault of my own, I lost my interest rate of 3.75 %. On XXXX/XXXX/2015 I was forced to pay Loan Depot a higher origination fee of {$2600.00} PLUS an additional fee of {$1300.00} to secure a HIGHER rate of 3.875 %. XXXX XXXX, Sr. Account Manager III, ( XXXX ) XXXX tel/fax, ( XXXX ) XXXX ext. XXXX, XXXXXXXXXXXX dealt with North Dakota 's title company and abstractor. 
The amount of time it took for XXXX to get the paperwork in order was very slow. Loan Depot knew " the delays on XXXX XXXX 's application were outside the control of both parties '', but they went ahead and raised my rate and hit me with new charges anyway. I considered that unethical but I signed out of fear they would raise the rate even more. Knowing the delays were beyond both parties, why am I the one paying for the delays while Loan Depot is collecting additional interest, higher fees, and additional fees? 

See also : Case number : XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To Whom It May Concern : Re : Case No. XXXXXXXXYou all had SunTrust to release the Deed of Subordination at the XXXX County Register of Deeds Office, but what about the deed to my property? That 's what the DOT for {$38000.00} was all about. SunTrust alleged that I borrowed money from them in XX/XX/XXXX to renovate rental properties. As I stated before, I have never owned any rental or commercial properties. That land was purchased by my mother, XXXX XXXX. It was later deeded over to me to help out with her personal care should any expenses occur. The mobile home is anchored to that land. I sent you a copy of all the grantees that SunTrust have used to show ownership in the past. I believe that XXXX is XXXX of their subsidiaries too. They can give me my land back with no problem because the loan was bogus. I do n't have a lawyer that wants to tackle this case because they said it 's too old and it would be too time consuming to get all of the information that would be needed. I have put fifteen years in it myself and it has just about consumed me. I was told by the US Attorney General 's Office that you all could fix it. You have done a lot by releasing that loan against my home and I thank you so very much. I did n't receive a response in regards about the land ( XXXX XXXX at XXXX XXXX XXXX XXXX ) or about my monies that I paid on something that I did n't owe. I did n't know that Banks were allowed to run over consumers like me just because they feel like it. I have been taken the advantage of and mistreated. Please let me know what response you got from SunTrust about these issues. Please explain to me how they can foreclose on my land and the debt was bogus? I know I contacted you all after the fact but you did n't exist until XX/XX/XXXX. You made them write the note of satisfaction, so why not get my land back? I never signed my land over to them during my construction loan with XXXX and later became XXXX XXXX, did n't include it with my mortgage either. SunTrust made up this loan and how can they get away with it? This ca n't be legal. As I stated before, my lawyer died suddenly, the company I bought the modular home from filed bankruptcy and we never had a closing because CCB merged with SunTrust and this was when all hell broke loose. Please help me to bring this matter to a close. Thank you in advance for assisting me with this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: On both accounts reported, XXXX is showing a mortgage loan as being " Open ''. This is false!! Account was closed, house was sold and foreclosure was cancelled and terminated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I used my credit card rewards points to get two checks, made out to XXXX. This was in XXXX 2014. The checks were for {$250.00} and {$50.00}. They were XXXX sent to XXXX address. This was after the official split of XXXX and Sallie Mae XXXX I think XXXX. XXXX checks posted as payments to my Sallie Mae account, which I did not want XXXX my school is helping to pay for the Sallie Mae loan ). I called Sallie Mae, and they were able to reverse the payment, telling me it would be paid to XXXX. They did so, and my loan amount increased by the requisite {$300.00}. But XXXX never got the money -- or so they say -- and never applied the {$300.00} to my loan. Now I am out the whole {$300.00}. I called the companies twice ( once we did a conference call with representatives from both XXXX and Sallie Mae XXXX. They have been unable to resolve it and have not responded to me. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My bank insists on allowing my privacy to be violated and treat me like I 'm crazy when I bring it to their attention. Three accounts and an I.D . theft e.d.d account have all been grossly violated. No accuracy in statements and or amounts, and they continue to be non responsible for issues they have allowed. They also insisted on breaking apart my checks into " what they would allow me to have at once '' chunks?? 

Company response: Company chooses not to provide a public response
Consumer complaint: Midwest Recovery Systems on or about XXXX/XXXX/15 added XXXX erroneous accounts to my credit reports. When contacted they admitted in writing that the XXXX accounts were added to the bureaus in error the week of XXXX XXXX 2015. But they refuse to remove them before the first week of XXXX 2015. We are in the process of getting a home loan and the XXXX erroneous accounts Midwest Recovery Systems added to my credit reports has caused my scores to drop below the minimum qualifying score for my loan. They were able to add the XXXX erroneous accounts during the week of XXXX XXXX 2015 which was not the first of the month and they should be removed immediately before the XXXX week in XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My father was contacted by a debt collector ( Revenue Recovery Corporation ) by phone last week claiming that I owed money to a hospital for my son in an amount under {$100.00}. My father was mailed a letter and he forwarded it to me. There are several issues : Upon receiving the letter, I had to dig through records from XX/XX/XXXX to find an EOB with the amount. I have an XXXX debit card, so all my payments are tracked. I could not find a transaction with that amount. That means that I was never sent a bill in the past year. I was also never contacted by the hospital or debt collector by phone, e-mail, or mail. The letter also states that " Pursuant to your telephone conversation with our representative, you promised to pay $ XXXX on or before XX/XX/XXXX ... .If we are not in receipt of your payment on or before the due date or have not heard from you why, we will proceed with further collection activity. '' So, the hospital has not billed me, but they sent me to a debt collector. The debt collector never contacted me, but spoke with my father who lives in a different state and the debt collector claims that I agreed to pay a certain amount by a certain date.The letter also only has my name, not the name of my son -- who it is supposedly for. There is also no account number for me to reference ( either for the debt collector or the hospital ). They also have given me 4 days to pay before destroying my excellent credit which has no late payments or public records of any kind. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have applied for a modification numerous times with Greentree due to hardship. For years, they have lost my paperwork requiring me to repeatedly submit the paperwork again. My house went into foreclosure as a result. I kept applying for a modification. Again, they claimed the packet was stale though it was submitted on time in mediation. They told me I was denied for XXXX, but never provided a reason or any written denial. I should have qualified according to the rules. They later offered a streamline mod, but mailed it to a wrong address. Because of this, the deadline had past. I consulted with an attorney who advised me to request a new letter with the corrected information otherwise it was not a valid offer. I explained this to Greentree and they refused to reissue a new offer with the corrected address and dates on it. Instead, he ( supervisor XXXX ) demanded payment and stated " the offer is valid today, but could be off the table tomorrow '' though I informed him the other rep. ( XXXX ) stated it was valid until the end of the month. My address had never changed to begin with. XXXX they sent info to a wrong address. Greentree lawyers were informed this via emails and in mediation the first time they did this. They refused to reissue a new, corrected letter then too though the offer date had expired. 7 months later, it happened again. They ca n't send me any important paperwork, instead sending it to a wrong address, yet can continually leave notices on my door to contact them. They have been nothing but rude and harassing. They contradict themselves and give you the run around any time you ask for help or try to get answers. They have been a nightmare to deal with. They should be shut down and put out of business. They are not abiding by federal guidelines by trying to help people stay in their homes. If we lose ours, it will be because of them and the games they play. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A repo guy was sent to my house for a car the repo man called me a XXXX, a XXXX, XXXX! I tapped on his truck to tell him he needed to leave due to him being rude to me. When i did that he opened up his truck door and jumped at me and said XXXX i should XXXX! I told him to leave or im calling the law. He told me he will watch me every where i go.i would have given him the car until he started calling me names and jumped at me as he was going to jump on me. This is concedered breach of peace. The car broke down XXXX weeks after i bought. it. The engine has locked up in it. The cost of a new engine will be {$3900.00}. I have been unable to work due to this problem and my husband is XXXX. The guy told me i was lazy which is not true. I would love to go to work if i had a running car. 

Company response: Company chooses not to provide a public response
Consumer complaint: In the XX/XX/XXXX, I received a phone call from American Credit Resolution stating that I owed them money for a XXXX membership. Three of my family members received a call as well from a rep that was looking for me. I told the rep that I do not want any of my family members contacted and that I do not owe XXXX any money. I was a member of XXXX around XXXX, but not XXXX. I ignored the two other contact attempts from ACR as they did not provide me proof that I owed any money. I did not hear from them again until XXXX. 
On Friday, XXXX XXXX I recieved a call from an unknown number around XXXX. My father told me he also just received a call from an unknown number and the person was looking for me. On the voicemail a woman left me, she stated- this is a reminder that if I did n't call her back regarding a pending claim that she would be out to my home and place of employment to serve me papers. I was not given any prior warning of anyone serving me papers. I called the number back that she left and spoke to a XXXX XXXX. He also told me that I owe XXXX for debt from XXXX and that if I didnt set up payment arrangements with him, they will be serving me papers and taking me to court where I would have to pay over {$2000.00} for legal fees and the debt. I told them again I do not want my family members contacted and that I do not owe this debt. I also asked for proof or documentation that I owed this money. He threatened to sue me again, so I gave him a credit card number that I knew wouldnt go through because I was scared and wanted to talk to a lawyer. 
I recieved a credit card auth form to sign and send back, and a payment arrangement form from a XXXX XXXX at XXXXXXXXXXXX. I did not sign these forms or send them back. 
I received another call from XXXX XXXX on Friday XXXX XXXX from a number- XXXX, different from the number he gave me to call him-XXXX, also different from the phone number on the letter they emailed me- XXXX. He said the payment denied and that I needed to call him back with other payment arrangements or XXXX XXXX would be out to my home that day with a legal summons to appear in court. I did not call back, and she did not go to my home. 
I received yet another call from a XXXX XXXX on XXXX XXXX where she stated that if I didnt call back, she would be out to my home or work between XXXX to serve me papers. She gave a case number of XXXX, not sure what that case number is for. I did not return her call. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XX/XX/XXXX, I informed US bank to please not call me any longer at work my work phone number. They did stop doing this for about a month and then I called to speak with a rep back on XXXX/XXXX/2015 around XXXX XXXX PST. I was asking him about doing a skip payment for my car loan because I was unable to make a payment. During this conversation, he repeatedly asked for my phone number for work. I told him that I do not wish to give out my phone number to my work, I do not want phone calls at work. I explained to him that I had already told them that no phone calls should ever be made and I do not have to give a work phone number at all. He demanded one from me and I still refused and he informed me that I would not be able to do a skip payment unless I gave him a work phone number ( thus now I am past due because I refuse to give him my work phone number ). The very next day, US bank started calling my work phone number. They stopped for a few days after, but have called me XXXX times a day since Monday XXXX/XXXX/2015. Apparently, telling people not to call you at a phone number, or refusing to give one for work, means you ca n't ask for help and then they pull up your previous numbers and start harassing you there -- even though I specifically said not to call me at work. I also completed a survey after this phone call and asked that someone please follow up with me, no one has ever reached out to me for assistance. 
Secondly, when I asked for help, this young man wanted to delve into details of why I could pay. What was causing the issue, how I was going to fix it and if I could not provide this then I would not be able to skip a payment. This should NOT be a requirement to skip a payment. I 've never done so on my car loan so asking for help once I should be given an okay -- but not asked about details in my personal life. Just telling them I ca n't afford to pay should be enough. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have dispute a civil judgement XXXX times with transunion letting them know that this was discharged through bankruptcy in XX/XX/XXXX. They sent me a updated report showing the new informations that it was discharged then on XX/XX/XXXX I recieved a new report saying that the civil judgment was reinstated and I don ' know why. I need them to correct my report to show this debt was discharged through bankruptcy. from what I have been reading I think they are violating the law. 

Company response: Company chooses not to provide a public response
Consumer complaint: On or about XXXX 2014 my identity was stolen and numerous credit account were opened in my name in XXXX and XXXX. I disputed the accounts and a determination was made that I was not responsible for the accounts. The credit inquiry is still on my credit report. I did not ask for or apply for the fraudulent accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just realized that XXXX XXXX XXXX XXXX is showing up on my credit report as an outstanding debt in the amount of {$1500.00}. I have no way of getting in contact with this company but this account was settled in full approximately 6 years ago. I would like to have this removed from my credit report as soon as possible and have my scores updated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an auto loan pay off with Wells Fargo and that was paid in full over almost XXXX months ago. Wells Fargo the month I paid off the vehicle auto payment still came out. I called in and they were polite and said they 'll mail back a check should be there within XXXX business days. No check here, I called back XXXX business days later and they apologized and said they just mailed out the check and it would take another XXXX business days to get to me. XXXX business days later again, still no check, I called and I find out that the previous rep mailed the check to the wrong address despite me confirming my home address. The representative this time informs me that they 'll directly deposit the funds into my account now within XXXX business days. XXXX business days later, still no money! I call and ask why the funds are not deposited into my Wells Fargo account and they do n't have an answer for me. I request to speak to a supervisor and the supervisor could n't answer any of my questions and did n't seem interested in helping me but getting off since I know it was the right as their offices close. I requested a follow up call back from the supervisor on Monday to give me a status update. No phone call and still no money!!!!! Wells Fargo keeps dodging my phone calls and questions and two months now and they still have n't gotten my check back to me. 
It 's funny that Wells Fargo will charge me a large late fee if late paying them but there is no late fee for them returning your own money even when its two months late now. 

Company response: Company chooses not to provide a public response