AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My name is XXXX XXXX and I 'm contacting you for third time, this time with updated information. Wells Fargo/ Dillards card services responded to my complaint. The sent me out a letter which will be attached in this filing. I disagree with them not reopening my account for non-payment when the just got a check from the credit protection for XXXX. When initially before the account was closed they were challenging me saying that they did no offer credit protection on their cards but come to find out they did. The last physically payment I made from my personal funds on this account was in XXXX, because I was informed from the credit protection who Wells Fargo/Dillard 's told me did not exist but in fact it did and they sent the payment just two months after a long battle and dispute with them as well. My account would have been paid on time if Wells Fargo/ Dillard 's would have did there job from when I first brought this issue of who should have been paying the account. They did n't know that my credit card was protect and that negligence on them as a financial business. Also I informed them in late XXXX that there were fraudulent charges made on this account and that was the cause of the account being over the limit and again my complaints/ concerns went unattended and handle properly. I 'm now ready to pursue legal charges against them because this has affected my credit in a negative way. 

I honestly feel that because I had previous personal checking account that was closed by wells fargo that this is why they are refusing to reopen my account. They have a payment that brings the account to paid in full, and the over limit is because of fraudulent transaction that occurred on the account that I was n't able to dispute because of the status of the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an unknown bill from Southwest Credit representing XXXX on XXXX XXXX. The bill was for {$62.00}. I have never paid XXXX less than {$90.00} per month and I do have another XXXX account currently. No invoice was received from XXXX. I am of course happy to pay the bill with proper communication and explanation - I paid it to protect my credit. 

Southewst Credit called my parents before I was contacted. According to the XXXX XXXX XXXX Collection Practices Act this is not allowed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have set up a pay my bill with XXXX XXXX to pay my mortgage at Valley National. Valley National complains that they are getting the payments late because they are mailed to them by XXXX XXXX. When I asked if they can get the payments wired to receive quicker they say that the option is not possible through Valley National. I 'd like to understand why with the technology available these days why this is not possible. The only reason I see is that Valley can charge late fees by saying they have not received the payment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX my husband and I took an auto loan from Regional Acceptance Corp for a XXXX Ford Escape. In XX/XX/XXXX the vehicle was totaled in a car accident that was not my fault. At this time we were still making our monthly payments of {$370.00}. Our insurance company, XXXX, required a payoff amount from them and XX/XX/XXXX sent a check to them for {$6600.00} to pay off the vehicle. We are now buying a house and found out that they have been reporting us late to the credit bureau every month since then stating that we still owe them {$3700.00}. I have been calling them to discuss this 4 times a day everyday for the past week. I can not get anyone to answer the phone and I have left over XXXX messages and have not received a call back at all! This false debt is the only thing standing in the way of my husband and I being approved for an FHA mortgage to buy our home. I do n't know what to do now. I have had nothing but problems with them since we acquired our loan XX/XX/XXXX and I have read nothing but negative reviews about them concerning all of the same problems as we are having!!! Please help!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: US bank for the past month has put a hold on my account due to a returned check. Since XXXX I have been having problems with them, they have closed a couple of my accounts without due diligence of verifying any information with me and have also opened account without my authorization under my name. US bank has been refusing to give me specific accurate information about my checking account. They were stating that I have a check that they were unable to verify, but it did get deposited and instead since they are not able to verify, they will just deduct that money from my account they are forcibly closing and then send me the remainder. US bank had restrictions and a hold in my account where no deposits or deductions were to be made, but they still let another deposit in the account and continue to deduct money without my authorization. US bank has been unprofessional and their communication about my funds that I work hard for has been incredibly a big financial issue and stressor. 

Company response: Company chooses not to provide a public response
Consumer complaint: Since XXXX, XXXX I have attempted to get Bank of America to correct the date of my oldest credit line from XXXX to XXXX. My credit card with this Bank states that I am a card holder since XXXX. My account number may have changed, but I have used a BoA credit card well before XXXX. My credit rating has suffered, because I rank a B in terms of " Oldest Credit Line '' in light of BoA 's wrong reporting. 
I have regularly sought to get BoA to correct their dating mistake without success. I understand that the FCRA requires action within 30 days. BoA has dithered and refused to correct their mistake for my account no XXXX All credit agencies continue to state my oldest credit line as having commenced in XXXX. 
I am seeking your intervention to get BoA to correct their mistake and to inform the credit agencies that my oldest line of credit dates back to XXXX and before. 
Thanks for your help. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX I took a loan out with Western Sky in the amount of {$2600.00}. I have since paid back over {$9000.00} to XXXX different companies, Western Sky, XXXX XXXX, and Delbert services. I paid what I thought was my last payment in XX/XX/XXXX and now I am getting calls from a company called the XXXX stating I owe another {$1600.00}. They are calling me at work after asking them not to, and calling my mothers home harrassing her and telling her she is involved and going to take her to court also. They told me if I do n't pay them in 3 days they will sue me. I need advice how to handle this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: We filed bankruptcy in XX/XX/XXXX. We continued to pay our mortgage to Wells Fargo. Prior to our filing bankruptcy Well Fargo reported to the credit bureaus properly about our payment status. After the bankruptcy was filed Wells Fargo stooped reporting that we making our mortgage payment and instead sent us a letter every month saying they received our mortgage payment. 

We ask Wells Fargo why this was happening and they told us it was because we did not reaffirm our mortgage. We contacted the credit bureaus and were told that this was between Wells Fargo and us, not their problem. 

We contacted our bankruptcy lawyer and were told that the state of North Carolina does not allow reaffirmation of a mortgage. We conveyed this information to Wells Fargo. 

In XX/XX/XXXX we approached Wells Fargo about a loan modification and after 18 months of haggling and run around we received a loan modification. Even after the loan modification Wells Fargo still would not report to the credit bureaus that we were making our payments on time, they kept sending us a monthly statement saying they received the payment. 

In XXXX plus years of home ownership we never missed a mortgage payment until we asked for a loan modification and were told by Wells Fargo because we were making our payments that they would not grant us a modification. We were told by Wells Fargo during a phone call that we would have to miss payments before they would talk to us about a modification. Wells Fargo denies we were ever told this by one of their employees, both my wife and I are willing to take a polygraph to back up our claim and or testify to this in court. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a loan with First Franklin Bank in XXXX Ga that I have paid a XXXX a month. I have been to the bank on several accounts and have been told they are now using a new system to update credit reports but is having issues with the system. My report has not changed in over a year and I pay every month on time. I am XXXX military and the bank receives a payment on the XXXX and XXXX of each month. I have went to the bank and spoken with the branch manager and she has told me that the only thing she can do is forward it up to home office. I contacted the credit company in XXXX 2015 the issue was not fixed. My credit report is reflecting a balance of XXXX when I only owe XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: After receiving a debt that I knew nothing of on XXXX XXXX, I immediately had my credit reports pulled, and sent all XXXX credit bureaus certified dispute letters. I received confirmation back that all the items that I had disputed had been verified. I sent a second round of letters asking that I be provided with the names and numbers of whom they had validated the debts with. I myself sent a validation letter to XXXX of the creditors only to be told it was a mistake, and that a letter would be sent to all XXXX credit bureaus to have deleted. This was XXXX of the debts that they claimed they had investigated and had found it belonged to me. They have ignored all of my dispute letters, and refuse to remove debt that have not been validated. I have asked for proper paperwork demonstrating the agreement between me and these creditors. 

Company response: Company chooses not to provide a public response
Consumer complaint: My soon to be ex-husband about XXXX or XX/XX/XXXX not exactly sure exactly. It was right before his incarceration XXXX for defrauding the government of federal funds. He confessed that he was afraid of getting in more trouble for he had been withdrawing his deceased mothers Social Security benefits direct deposits into her Bank Of America account, and withdraw the money from our joint bank account or transfered the money to cover the stolen social Security benifits also Bank of America. Date of XXXX : XXXX to XXXX XXXX. Bank location XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. About XXXX through her ATM card. In the equalization of marital assets he has failed to comply with court on mandatory disclosure ive exhausted all ky marital assets in persuit of my half to pay back social security. I would so grateful to Consumer Finance in investigating this matter. I tried several times to get proof and to no avail. I first called Office of Attorney General, Federal Trade Commission got police reports from both XXXX and XXXX police and absolutely nothing. I just called XXXX last week again and was able to extract some useful information and was given your website and also your phone number. I really feel confident now that I am at least getting closer to a resolution. Thank you for your time. 
would need a subpoena to open and get statements to substantiate my claim. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a billing dispute with a survey company that ended in Small Claims Court. The judgement was settled and satisfied on XXXX/XXXX/2009 by The Hon. XXXX XXXX XXXX ( case # XXXX ), XXXX XXXX, KY, XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Constant contact from Gateway One Lending to cellphone, employer, family, and friends. In one month contacted job over 50 times and left 32 voicemail on cellphone. Gateway has been advised previously on 2 occasions not to contact me anymore regarding debt, especially not at place of employment. On XXXX/XXXX/15, XXXX with Gateway told the receptionist at my job that he need the office manager to provide him my employment information so that he can Garnish my wages. He has repeatedly contacted my employer pretending to be someone other than a debt collector. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I tried to open Santander Bank Checking account again - may be i will get different questions to go ahead with the application or simply call the customer service to go ahead. But I am not able to open the account second time also. I was provided very very difficult questions to answer and that too in less than 10 minutes ( XXXX seconds time counter going on ). Is this bank really want to do the business??? Why so much difficult questions. I called upon Customer Service and talked to XXXX at XXXX to XXXX XXXX but he was also not of much help. Finally as a fall back option - I uploaded my Arizona Driver 's license and XXXX statement - XX/XX/XXXX statement but end of the day - my application was declined. XXXX told me that if in case i am travelling to North east - i can visit the branch ... .so do they expect people to fly down to their branch just because they have created totally useless and terrible Account opening module? Moreover I am not opting for overdraft protection - so why they need to so much extra vigilant in terms of identity protection ... it 's good to have identity protection to make sure somebody does n't steal your identity but if it is coming in the way of genuine and real folks ... then it 's a big problem ... i was able to answer all the questions that XXXX asked ... then why i am not able to open the account? I am in this country since XX/XX/XXXX and changed locations also. This kind of process is just too much unfair for people like me ... .why do they expect that i remember all the phone numbers for the last 15 years? Why do they expect that i should remember which credit card i had it and on what month and year? why do they expect that i should remember when my loan got closed?? Is n't it too much??? where is the limit???? this is ridiculous by every means and that too they are pressurizing the customer to answer and remember everything in less than 10 minutes otherwise you are declined. They declined my application ( i got the email immediately ) even without seeing my driver 's license and Bank statement ... .You ca n't be so so tough on anybody ... .this is absolutely ridiculous and nothing else. And if they had to anyway decline my application - why they collected all the information at the first place??? Why they wasted my time ... almost 20 minutes to work on this process of opening the account??? why not this verification process at the very start of the account opening process? Moreover how secure is my information that i have provided to them ... this is PII data - how they are protecting my identity after collecting this information from me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went used the link on the consumer finance website for the annual free credit report. I filled out all the required information and choose the XXXX reports I wanted. Once I submitted this information I was taken to a XXXX page which makes me sign up for a credit monitoring services and gives me no option to opt out of this. I thought these credit bureaus were not supposed to do that? 

Company response: Company chooses not to provide a public response
Consumer complaint: i keep getting calls from premier portfolio group about a bogus debt i want these scammer to quit calling me now 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have been a customer with Drive Time car company since XX/XX/2014. I have made my payment faithfully every two weeks. We just moved and are struggling to find a job but I have been taking my child support to pay the payments. In my lease as you will see it has a late payment clause for after 10 days late they will charge XXXX ( see image ). My payment was 4 days late and they repo'ed my car, leaving me with a XXXX price tag to get it back. When I called to ask about the lease agreement clause, they said 1 day late is late and they can repo my car. So what is the 10 days about then? I was advised that it should not be on my lease. No where in my lease does it say this is a ( 0 ) day grace period lease. I had made the payment ( I guess minus XXXX dollars they later said I owed ) 4 hours before my car was towed, the lady on the phone said I did a payment on their website so they refused it and I needed to go to XXXX! When she hung up my payment was returned. Three phone calls later and three different stories I guess that contradicting ( 10 ) day period is not available and you have 0 days. This is a contradiction of the lease agreement. I would of paid the XXXX dollars had I known that it would of been the reason for my repo after only 4 days. I also had a friend go to Drive Time over a year ago for the XXXX credit for my referral, NEVER got it! The way I look at it you made way more than XXXX dollars off another sale because I pitched the sale for you. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company has charged me {$38.00} late fees XXXX times. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is for an apartment that I leased for 1 year. I gave my notice to move out on XXXX/XXXX/2013. The lease required a 60-day notice which meant my move-out date would be XXXX/XXXX/2013. I moved out on XXXX/XXXX/2013 but paid for rent owed through XX/XX/2013. I paid all amounts due and met the terms of the lease agreement but was told I broke my lease. I did not break my lease. I did move out early, but all rent amounts due were paid in full. I called and spoke with the manager, XXXX, in XX/XX/2013 and she agreed the account had been paid and would take care of it. She did not. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On or around XXXX XXXX I was finalizing a XXXX XXXX Bankruptcy. I received correspondence from XXXX County Municipal Courts stating my loan was current and a request was made to dismiss my Bankruptcy and stop my foreclosure proceedings. This request was made by Attorneys representing XXXX XXXX. I had successfully completed 60 months of my payment plan made by my Attorney and the Trustee to saved my home from foreclosure. On or around XX/XX/XXXX I started to receive collection calls from one Loancare company stating that I was in default and that I now owed {$3400.00} on my mortgage. 
The gentleman whom I spoke with never produced any proof that there was in fact a delinquency, I asked if this was a collections call from the loan servicing company he said yes. I asked if he was familiar with FDCPA? I made a request for a full Itemized list of all payments made and payments received to confirm that if I was in fact delinquent that the proper protocol were if fact being followed. A few days later I received a dunning letter without a itemized list of payment. There was not proof of anything that would show that Loancare was a company that was entitled to receive payment on behalf of XXXX XXXX ( XXXX ). The calls were a violation of Section 807 ( 11 ) of the FDCPA Inital Communication and Subsequent Communications. XXXX XXXX al v. XXXX et al, No. XXXX - XXXX XXXX ( S.D. Ohio 2010 ) 

Company response: Company chooses not to provide a public response
Consumer complaint: 15 USC 1681s ( a ) ( 1 ) authorize the Federal Trade Commission to enforce compliance with the requirements imposed by this subchapter under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto. Experian is not in compliance with 15 USC 1681i ( 5 ) for the treatment of inaccurate information for XXXX XXXX and XXXX XXXX XXXX. They have have denied reinvestigation of dispute of report number XXXX on XXXX/XXXX/2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I dispute this debt because I do not owe this money. I terminated my contract for Internet service with XXXX in XXXX 2014. I received an email from XXXX stating that if I return their equipment before the closing bill, I would not be charged. At that time, I returned their modem using the packaging and shipping label they provided. My closing bill did not include any charges for equipment. I did not receive any bills or notices from them since ending the contract. 

In XXXX 2014, I received a letter from a company called XXXX claiming I owed XXXX {$100.00}. I called XXXX and their representative said they had no outstanding dues on my account and that they were unfamiliar with XXXX. The call was escalated several times and took almost XXXX hour to complete as they checked various databases. After that call, I contacted XXXX to gather more information about this claim. They told me it was for an unreturned modem. I put this claim in dispute. In XXXX, 2014, I received a letter from them confirming that the account was in a " disputed status. " I received a letter from another collection agency called XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2014. There was no verification of the debt or any tracking information about the shipping label that was provided by XXXX. I received your collection notice today. 

I do not appreciate having to dispute this debt this many times as XXXX continues to sell consumer information to different collection agencies. Upon searching discussion forums, I understand that there are many consumers who have been troubled greatly by a similar error. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently opened an account with citi simplicity and made a balance transfer to XXXX XXXX XXXX. The representative I spoke with, apparently mailed the check to the wrong address. I was told it was mailed on XXXX/XXXX/2015. 10 days have passed, the transfer was still not processed. I kept calling citibank for an update they keep saying it should be posted soon. Today, I called XXXX XXXX XXXX to verify if they have received the check. Still no check up to date, they advised me to ask citibank what address the check was mailed to, because they might have mailed it to a wrong address. So I called citibank to verify the address they mailed the check to, and indeed, the check was mailed to the wrong address. Now they have to cancel the transfer and wait 2-4 business days for the completion of cancellation, and then wait another 7-10 days to receive the check. Which now puts me to another 2weeks of waiting. I asked them to trace the check to see if they can forward the check to the right address, but I got no help. 7-10 days processing turned into a month of processing. It was their fault at the first place for not verifying the correct address. But now I 'm the one who 's receiving all the inconvenience. They should have a way to expedite the process for inconvenience like this. But I did not get the help that I need. 

Company response: Company chooses not to provide a public response