AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This is the second month I 've called WF to discontinue a monthly email for their new Go Far rewards program. There is no option to unsubscribe on the email, I then called the customer service number provided on the email, that customer service could not help me opt out so I was then transferred to Premier help line, they could n't help me then I sent to online banking help line, they could not help me so then they sent me to credit card customer service and then the line disconnected, I then call the credit card customer service directly and had to wait 9 minutes to talk to someone. I finally reached a credit card representative, they too could not help me, I was then transferred to the rewards customer service line. They too could not help me, I was told I could n't opt out receiving this news letter only, my only option is to discontinue receiving all email communications from the bank which is ridiculous because I hold my checking, savings, mortgage, HELOC, XXXX account too. Finally, I was required to re-authenticate every time I was transferred so I had to authenticate myself a total of five times. I thought by law that the email has to provide a way to unsubscribe from communications I do n't want to receive. I went through this exact horrible experience last month, I called on XXXX XXXX and was promised from the last person I spoke to that I would be opted-out. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I REQUEST MY FREE ANNUAL CREDIT REPORT FROM XXXX AND I PUT ALL MY INFORMATION AND AT THE FINAL STEP WHEN I DESIRE VIEW AND PRINT IT THE PAGE DID NOT GIVE NOTHING, I ENTER AGAIN AND THEY SAID ME THAT I ALREADY HAVE RECEIVED MY CREDIT REPORT AND NOW I SHOULD BE PAID FOR A COPY. 
PLEASE, HELP ME 

Company response: Company chooses not to provide a public response
Consumer complaint: After the financial institution closed my savings account which was used a overdraft protection, charged me enormous amounts in returned item fees - they transferred all the monies that were in the Savings account to checking. If this action was taken before all the fees were incurred, I would not have been charged {$280.00} returned item fees. This is clearly poor accounting procedures. This also proves the bank 's action were for capital gain only. The bank has yet to prove the Savings account that was closed exceed the XXXX per month transaction by law on a habitual basis. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received XXXX fraudulent charges posted on my Macy 's credit card on XXXX/XXXX/2015 for a total of {$17.00}! Over 6 months later I still can not get this resolved after numerous calls to the Fraud department, credit department and many faxes. I called immediately when I received the first bill and was told not to pay the bill, instead to fill out a Statement of Fraud. I did that, but kept getting bills each month for more and more money because of finance charges and late fees. The {$17.00} is now {$230.00} due to all fees they have charged. I call every month and they tell me not to pay it, not to worry and have said it is not with collections, but they call my house at least 3-5 times a day,7 days a week, and tell me the only way they 'll stop calling is if I pay. I can not get them to remove the charges, or stop calling. This is horrible. I know the card was not used by anyone because it was in a safe in my house. I want something in writing from them saying this is not on my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In approximately XXXX during the credit financial crises the credit card companies greatly increased their APR rates. Card holders were given the choice of accepting the higher rate and keep the account open or to opt out of the higher rate and keep the original lower rate that would be fixed for the remainder of the balance owed and the account would be closed with no further credit allowed on that account. I opted out and had a fixed rate of 5.99 % on the balance owed and the account was closed to further credit. I was charged the rate of 5.99 % on the balance owed until XXXX XXXX. In XXXX XXXX the rate was bumped up to 6.24 % which I have been paying ever since. I called CITI Cards to find out why this higher rate is being applied to my balance as it is supposed to be fixed at 5.99 % for the remainder of the balance owed. Their statement was it was not their doing, but because the Federal Government raised the prime rate 1.25 % and this has to be passed on to the consumer. I called the CFPB and was told there was no such record of that happening or any reason for the card company to raise the rate that was supposed to be fixed on old balances. I would like to know if it is legal for CITI Card to raise the interest rate on an old balance from an account they closed in XXXX with the agreement that the balance of the amount owed would be charged at 5.99 % fixed when the card holder opted out of the higher rate out back in XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Wells Fargo Dealer Service inaccurate reporting to the Credit Reporting Agency about, late Auto payments, no insurance and harassing phone calls. Wells Fargo Dealer Services has been calling me at 3 times a day for about a month or so ago. They allege that I owe them money, extra money and increased the balance owed on my auto. I have not missed a single payment ever since I got the car loan through them. I requested a deferment on my pay in XXXX XXXX, they granted my request. They have claimed that I do not have full coverage auto insurance, and that is why they believe I owe them money ; when again this is incorrect. I have submitted proof of insurance online, through a website they provide, as well as over the phone. The website is very difficult to manage due to the site off and on malfunctions. I spoke with the customer service representative multiple times about what they need to correct. This did not resolve the issues and even though Wells Fargo sent me documentation stating that my Insurance policy was updated and effective since XXXX XXXX XXXX Wells Fargo still reported me late for the month of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. When I call to explain the errors made by WFDS the customer service gives the same update stating that they will not the file. Now because of WFDS inaccurate reporting and attempting to add fees has caused a chain reaction when applying for a place to live for my XXXX children and myself. I feel this is a great deceptive pratcice used by Wells Fargo Dealer Services. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had deposited {$1200.00} ( XXXX checks ) in my checking account on XXXX/XXXX/2016. 
I received a letter from the bank ( Sun Trust ) dated XXXX / 2016 along with a copy of my deposit ticket ( both sides ) showing that they received and credited my account in the correct amount, but stated that they debited my account in the same amount for " items not included in my deposit '' I was confused and waited for my monthly statement. When I received this it showed both the credit and the debit. 
I have spoken to several of he employees at the bank bank several times and each have said they need a week or so look into this. 
As of today I still have not received any explanation as to actually why they debited my account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Selling a mortgage that is in a remic that has no filings with the sec ever I want some answers? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Robo calls to my home phone XXXX XXXX XXXX looking for XXXX XXXX .... I have no contact with XXXX XXXX and want nothing to do with these calls. I followed prompts to enter my number to verify that I was not the person they 're looking for and the calls continue each and every single day from Credit Protection Association - most recent # call came from is XXXX. I am on the Do Not Call registry, owe no debts and want the calls to STOP please. Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Someone used my personal information and identity to obtain services. I did not create this debt. I am a victim of identity theft. I have reported this to the police and have tried several times to have the collection agency to correct their records. They continuously ignore my dispute and verified this fraudulent account with the credit bureaus. I have sent them certified letters, ID theft police reports and disputes to the collection agency and credit bureaus. They continue to report this fraudulent account and violate my FDCPA, FCRA and Rosenthal Act. This has given me great distress and the fraudulent reporting is damaging my good credit. I contacted the collection agency via mail to the address that is provided on my credit report the letter came back to return to sender. Syndicated Office System is well are that this account is fraudulent and still verifying it with the credit bureaus. I called and talked to their office supervisor who on a recorded line said they did not need to reply to the credit disputes. I have sent a second dispute to them and consulted with an attorney about this ordeal. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Back in XXXX I sent a CEASE & DESIST LETTER to General Revenue Corporation for the said XXXX XXXX - Online debt. I also explained to them per the letter of separation provided from XXXX I have no debt owe to them or me. This is legal document stating that. In XXXX XXXX sent this same debt to another debt collector and when I fax that debt collections company the letter of separation they agreed that they cant do anything because of the letter of separation. Now once again in XXXX of XXXX I received another letter from GRC attempting to collect on a fraudulent debt. As stated above I sent a letter of CEASE & DESIST back in XXXX and on the phone dated XXXX XXXX XXXX I was told that my account will be placed in CEASE & DESIST but I received another on XXXX XXXX of XXXX after I already asked in XXXX for GRC to CEASE & DESIST communications with and again on XXXX XXXX of XXXX I was told that they would CEASE & DESIST communications with me. At the end of the day the debt is not mines and if I did owe any money to school why would n't they have taken out of my check if I owed them since XXXX and I was still employed there till XXXX of XXXX? If I owed them money AGAIN WHY DID'NT TAKE IT OUT OF THE SEVERANCE PACKAGE THAT I RECEIVED???? XXXX is harassing me know and this needs to stop. I have shown proof that XXXX can not collect on this. I show proof that the debt is bogus because it has no type of late fees and or collection cost. They know this is some XXXX and GRC should leave me alone. 


I have attached the dispute from XXXX and all documents along with a screen shot of the recorded phone between GRC and I. I have attached the letter I sent to XXXX XXXX stating the reason why this debt is not valid. IF you do n't stop and I mean never contact me again, I will seek legal representation and provide them with all the legal documents, files, statements from former XXXX employees and file harassment charges against GRC with GEORGIA ATTORNEY GENERAL OFFICE and US Government. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XX/XX/XXXX my debit card information was stolen and someone racked up about {$2000.00} worth of charges on MY CITIBANK checking account. when I went into the bank and explained my situation to the banker they told me they would investigate and my money would be refunded within 7 to 10 days. I went back to the bank weeks later and still no refund. I spoke with a representative from Citibank and she told me they sent me a letter in the mail that I never received that stated they were denying my claim and were n't going to refund my money to my account because it appears i racked up charges myself, she told me I needed to file a Police report and there 's nothing she can do. So I filed my Police report like she told me with an officer named XXXX, XXXX. in his report he states that he received survailance from one of the ATM 'S i had claimed to never been to before and found that somebody else was in fact at the ATM using my information. I went back to CITIBANK to submit the police report. the woman helping me told me that while they were investigating again the would send me " provisions ''. I never received any provisions. and on XX/XX/XXXX CITIBANK sent me XXXX letter in the mail stating they were deny my claim again. Im running out of options I hope your company can get me my hard earned much needed funds back. thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Payment was made to XXXX XXXX XXXX XXXX have receipt dated XXXX XXXX, 2015 ). 
As I paid in full, at one time, XXXX gave me a credit of 5 % on the total bill. XXXX from XXXX to XXXX XXXX Received notice from collection services XXXX weeks later asking for payment of the full amount. 
I contacted collection agency with copies of receipt, and they sent me another collection notice a month later, when I again sent them a copy of my paid in full receipt. 
I now have a major black mark on my credit report. I have attached my billing summary XXXX no balance due ) from XXXX, and have also included my receipt from the initial payment on XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Regions Mortgage is not reporting correctly on several if account. This account is not in the wage warner plan. The balance is incorrect, last payment date is incorrect. 
REGIONS MORTGAGE XXXX XXXX XXXX XXXX, MSXXXX ( XXXX ) XXXX Account Number : XXXX Status : XXXX Account Owner : Joint Account High Credit : {$200000.00} Type of Account N/A Credit Limit : Term Duration : 20 Years Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$2000.00} Scheduled Payment Amount : {$2000.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : XXXX Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Conventional RE Mortgage Date of First Delinquency : XX/XX/XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My payment arrived on the due date ( arrival verified by the billpay service of my bank ), yet the credit card company takes a day to process / post the payment, and then hits me with a late fee and interest. 
Written on the monthly statement from the credit card company is, " If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of ... ''. When I ask the ccc why, since my payment arrived on time, I was charged a late fee, the ccc says, your payment was n't posted until the next day, and it 's the posting date that counts. Then I say, but your statement says the payment arrival date is what counts. The ccc just continues to say, over and over and over, that it 's the posting date that counts. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I used a balance transfer check ( Hardcopy ) between XXXX ( XXXX XXXX XXXX XXXX XXXX ) and BOA ( Bank of America ). I was having computer issues so I ended up having to drive out of town to submit in person. The teller at XXXX accepted the check. After I did that I came back to my local library and tried to confirm it online. Their printers were offline so I could't create a record. I have also reported issues long ago in a previous case. ( XXXX XXXX XXXX XXXX XXXX ) When I was able to successfully log onto online banking it reads as the balance transfer went through except it charged me XXXX. It entered it on XX/XX/2016 instead of the day I gave the bank my balance transfer check in person. ( XX/XX/2016 ) Then they sent a check to my bank and it was also dated XX/XX/2016. I have yet to return it to Bank of America. The real problem here is the balance transfer online with Bank of America reads as is the balance transfer access checks read as XXXX XXXX. I do NOT currently have an active account, credit card, or savings account with XXXX XXXX. The past issue with them had also to do with an employee, credit protection, and activation of XXXX or more credit protection plans as well as inappropriately using my debit card at another bank ( XXXX XXXX ). I have reported many things about my name and mail for a long time. I hope if this is the person using my name that you can catch the person using my identity. I am also signed up for identity theft protection currently and all of my children and I have protection underneath all the protection plans currently. XXXX, XXXX and I also had an event with the XXXX XXXX website as well. My reset password function showed myself and someone else 's name. XXXX XXXX at XXXX XXXX to my email XXXXXXXXXXXX. The Washington XXXX website ended up firing XXXX employees with the State of Washington XXXX XXXX XXXX and her brother who was an IT Technician for sharing confidential patient information between each other. I would like this to go to the appropriate agency so I can claim money from my long term issues involving my life and also claim issues for my children. Both are currently considered XXXX now but this has occurred so often as well as prior to them turning XXXX. This is just the latest issue and I want it all to stop as soon as possible. Very XXXX and it has affected the quality of my life. Thanks. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX I checked my Bank of America account to find that my balance was {$0.00}. There was a HOLD posted for {$2900.00} by the bank. When I contacted Bank of America I was informed that the hold for a judgment and they gave me a phone number to call of a collection agency. I contacted the agency and was informed that there was a judgment against me from XXXX for a medical bill in the amount of {$680.00} ( the original bill was {$250.00} in XXXX ) I then contacted the obgyn office to confirm and we concluded that notices were sent to the incorrect address. I immediately called the collection agency and settled the balance. The agency sent me the documentation which was sent to Bank of America in the amount of {$680.00}. She also faxed me a coy of the receipt for payment, original bill and letter to Bank of America to release all funds immediately. I called the customer service dept at BOA and requested clarification and documentation as to why {$2900.00} was removed from my account when the judgment was for {$680.00}. They refused to provide any documentation to support the {$2900.00}, refused to credit back the additional funds and informed me that I would be receiving a check in the mail in 3-5 business days for {$2200.00} ( my $ XXXX {$680.00} for the judgment ). I explained that I have already paid the collector ( which I have scanned copies from the office supporting the letter to BOA for {$680.00}, the letter to release funds and my receipt of payment to settle the account ) and I can not wait to have the funds replaced. There are several outstanding checks that have not cleared and without those funds the checks will bounce. After over an hour on the phone with BOA explaining the situation to multiple people, they said that their legal department will not speak to customers but they informed the BOA customer service manager that the collection agency 's letter stated to remove the {$2900.00} for " housing expenses '' the judgment was for an XXXX. I informed him that I have a copy of the letter that was sent to BOA as well as confirmation from the employee who issued the letter XXXX stating that BOA was completely wrong. They are still continuing to hold all of my funds. I told them I can understand holding the {$680.00} until the letter has been processed, as these things take time. But I can not understand how they can legally withhold the rest of my funds without cause. 

Company response: Company chooses not to provide a public response
Consumer complaint: During closing it was discovered that the lender has miscalculated the transfer tax of the property that I was purchasing. A phone call was made to the title company ( at the closing table ) to get the problem resolved. The title company contacted the lender, got the new transfer tax approved and sent us the new Final Closing Disclosure which was signed and notarized at the closing table. As a result of this change the final disclosure that we were sent and I signed showed that I was supposed to receive approximately {$2100.00} back from the title company as a refund of what I had wired to them for closing. I contacted the title company later that afternoon to give them information to rewire me the funds and they indicated that they had already sent me a check in the mail for {$55.00} which was what they owed me. I was told I had to then contact the lender to find out why my refund had been so drastically reduced. After several days on the phone with several different people at the lender, most of which would never answer or call me back, I discovered that the document we signed at closing and had to be approved by the lender was not what they say they sent to the title company as the Final Closing Disclosure. The only time I got to see the Final Closing Disclosure the lender says they approved was after it was emailed to me after being on the phone with the closer from the lender for several hours and him not understand my complaint. No one else, the notary, either realtor, myself, had seen the closing disclosure the lender says they sent until the end of the day of closing when I got it emailed to me as described earlier. Neither the lender or the title company currently is helping me out or finding someone at either business who can help me out. However I believe the money that is owed to me is the difference between my wire transfer to the title company for closing and the " Cash to close '' that was listed on the Final Closing Disclosure that WE SIGNED AT CLOSING AND WAS NOTARIZED AS SUCH. The lender says the lender credit due to me had been reduced because of the reduction in the tranfer tax which is why the cash to close went up on the version they say they approved. The pictures attached show the XXXX and XXXX pages of the final closing disclosure of the XXXX the lender approved ( higher cash to close and lower lender credit ) vs. the one that we signed at closing ( lower cash to close and higher lender credit ) 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response