AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had a cell phone account with XXXX and after being improperly billed and receiving a monthly bill of around {$800.00} in inaccurate charges I contacted them. They cleared the account balance and I then proceeded to move to another cell phone provider. I found a charge of {$430.00} on my credit report and I can not get anyone to resolve this issue. They told me that because the account is in collections there is nothing that they can do. I had a zero balance when I closed the account from XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: You are awesome! You helped me refinance with my mortgage company!! 
The mpi or pmi dropped after the refinance. Is there someone who I could contact in regards to lowering my insurance premium with a fha loan. Any help you can give me would be appreciated. 
One more thing. I make advance principal payments after I pay my mortgage and some how a payment ends up in escrow! I have spoken with my finance company before about this. Several times actually and to no avail they continue to put extra payment in escrow! 
Thank youXXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXX are the accounts that are fraudulent Account XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX # XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX /XXXX XXXX / XXXX consultant XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I co-signed for a lease jeep for my granddaughter and it was fine, now I get a letter saying Ally wo n't be the financial party and she has already taken possession of the vehical and and set up direct auto pay from her checking account. I have tried to get ahold of the credit reporting services and can not talk to them. I am in dispute for my credit because things are on there that should not be and I want to know why. 

Company response: Company chooses not to provide a public response
Consumer complaint: NEW COMPLAINT NOT A DUPLICATE : XXXX XXXX continueS to make a mockery of CFPB and its processes. Please see attached communication that I continue to receive even after CFPB has contacted all parties. So either they 're not really moved by CFPB 's involvement or perhaps CFPB may need to really get involved in these illegal activities. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/2013, Bank of America charged {$270.00} for cleaning maintenance. Bank of America did not perform any cleaning maintenance on my home. Bank of America notified me that since the cleaning maintenance never happened, I would be credited the {$270.00} in my mortgage. I was never credited the {$270.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a Dillard 's credit card since XXXX of XXXX without XXXX missed payment or late payment. I pay my bill online every month. Dillard 's card services were taken over from XXXX Bank around XXXX XXXX by Wells Fargo. XXXX XXXX XXXX Online Bill Pay did not recognize the new Wells Fargo/ Dillard 's account. In XXXX I started making payments directly through the Dillard 's website to ensure that the payments would get to Wells Fargo correctly because of this transition so I began to pay my bill directly through the Dillard 's website. The afternoon of Friday XXXX XXXX I received a call stating that they could tell I was trying to make a payment but could see it was n't going through. I immediately paid over the phone as to not cause a problem and keep my account in good standing. The very next morning at XXXX I receive a call that my only brother at the age of XXXX died unexpectedly in his sleep.This was a very difficult time for me. Mid XXXX I returned to the Dillard 's website to make my payment, checking the only visible numbers of my bank account number were accurate, which they were, I posted my payment and received a confirmation number. The same thing happened mid XXXX, and I received a confirmation number, again in XXXX, and again in XXXX. It shows a monthly history of payments and confirmations for each month with my last correct XXXX digits of my bank account. I never received notification or a message stating there was any problem with my account and payments. I will attach payment confirmations from XXXX XXXX and can go back further if need be and the confirmations from Dillard 's website from XXXX to XXXX XXXX. On XXXX XXXX XXXX when I went to pay my bill, as I did every single month, my balance was about {$150.00} over my credit limit. This immediately alarmed me because I always pay my bill, I received confirmation numbers so I called to see what was going on. A not so polite woman informed me they have not been getting my payments and the confirmation numbers were worthless. Now Wells Fargo, a banking and credit card giant has closed the account I have had with no problem ever and has not notified me once to inform me the confirmation numbers I was receiving did not matter. This has made a detrimental hit to my credit unfairly because Dillard 's, the company that I loved to shop with, worked through college with, had every intention of paying my debts to, received confirmation that I was paying, switched their credit card company and had a problem with their transition to Wells Fargo.I have never had a problem until now. I also hold another account with Wells Fargo for the last XXXX years that never has had any problemwith payments. In fact, for the last XXXX years I have not had a single late payment to any of my debtors. I want to pay my bills. I hope you can help me remove this terrible stain from my credit report. 
Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently moved and was trying to open a new utilities account. At that time they advised me I had a defaulted bill and that I would have to pay hundreds of dollars to open an account because of this. Of course, I was extremely shocked and upset to find out that there is a debit on my record from XXXX ; an old account that I had closed YEARS ago! I was not aware that my old XXXX XXXX account had gone into collections. I had paid the account in full, after cancelling it and moving. Now years after the fact, I find out that the old account is in collections. For monies I DO NOT owe them! After all these years, they never tried to contact me whatsoever! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Several years ago while living in XXXX, Maine, I went to a local optometrist for an eye exam. While in the chair, the person performing the exam said they would like to do an exam to check for - whatever it was, I do n't remember. She simply asked if it was ok, to which I of course replied " yes '', When checking out, they informed me I owed +/- {$80.00} for the additional exam. I was not informed of the additional charge or the fact that it was not covered by insurance. I rejected their claim explaining why and was told - too bad, you owe us the money. They continued to bill me, I continued to refuse payment until they finally referred it to a debt collector who then harassed me threatening legal action and to ruin my good credit rating. I sought the advice of an attorney who convinced me the easiest and cheapest thing to do was just to pay the bill. Legal action could have otherwise been costly. 
So, despite their not deserving to be paid, I paid. But now I had to pay not only the optometrists bill, but also the debt collectors bill as well. Meanwhile, they went ahead and reported it to the credit agencies and to this day, that black mark is on my record. 
At the time, I reported their underhanded business practices to the State of Maine, the Maine Licensing Board and anyone else who would listen. All to no avail. 
Having just now listened to the XXXX XXXX show, I now know, although years later, that I should have perhaps contacted your office, which prior to the show, did not know existed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX years ago I moved from The XXXX apartments in XXXX, TN. I bought a home. Before I left I cleaned the apartment but did leave some things that the cleaning crew or painters could have. These were things like a comforter, electric skillet, some glasses ... .all in excellent condition. I also took pictures of the apartment after I cleaned it. There were holes in the wall that would need patching because I had my t.v. hung on the wall. They called and said I owed then {$120.00} because I left junk, the refrigerator was not clean enough and the holes would need repair. I told them I cleaned everything and the stuff I left in the middle of the room with a note saying they could have, was not junk. I did send them a check for half of the amount, {$65.00}, for repair ( patching and painting ) the holes in the wall. They put the whole {$120.00} on my credit report and it has lower my good credit score. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a bestbuy credit card and made an online purchase the same day. The card was mailed to my condo instead of my mailing address. It got returned by the post office. I called bestbuy to setup an online account so I could make a payment and they would n't let me do it without giving them the full card number. Now the payment due date has passed and they will not accept my payment over the phone unless I give them my checking account number. 

my issue is that I 'm late with a payment because they did not get the card to me. I still do n't have the card after XXXX months. They were able to do a purchase over the phone but ca n't assist me in setting up my online account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have changed the settings in my Best Buy credit card electronic system so that only the minimum payment could be paid from my XXXX XXXX XXXX account, and erased all previous bank accounts so they would n't be charged. In this month, XXXX 2015, Best Buy charged both of my bank accounts, XXXX for {$63.00} and XXXX XXXX XXXX for {$1700.00}. I never authorized Best Buy to take the full balance from my XXXX XXXX XXXX account, since I know I do not have all the funds available. In addition, I had removed my XXXX account from their system, which makes the payment processed on XXXX/XXXX/2015 unauthorized as well. I have both of my accounts negative and no money for the week and bills, due to unauthorized activities from Best Buy. Yet when I contact them, their response is that this is my error and they are not responsible for any of these system errors. Both of Best Buy claims department and costumer service department contradicts each other as when giving me information, and lacks communication. None could help me explain why was I being charged and the mix information given was that I must cancel online, and the other said to cancel the automatic payments over the phone. I have done both but my account was once again charged and overdrawn for {$1700.00}. This whole situation is very stressful and drives me desperate, since I am left with several overdrawn fees, no money in my account for personal use or to pay bills, and several hours of phone conversations to have no solutions. I am tired, stressed and under a whole lot of pressure. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paypal limited/froze my account on XXXX XXXX, 2015 for reasons that have not been revealed to me. They stated they would release my remaining funds {$280.00} within 180 days. To date, they have not released my funds despite numerous emails that have gone unanswered. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went through a short sale process and was denied relocation assistance due to home appraisal saying that it was tenanat occupied and also a check mark saying I refused assistance. The question on the request for mortgage assistance was very vague. I was told that I could get assistance by phone but once the closing happened they refused. They continue to deny me the assistance even though I never saw any of paper work until after closing. 

Company response: Company chooses not to provide a public response
Consumer complaint: The issue is the lack of due diligence by the bank which issued a Pick a Pay loan to me in 2008, and their lack of compliance. 

SEE ATTACHED 

Company response: Company chooses not to provide a public response
Consumer complaint: I have acquired a cash call loan for {$5000.00} a few years back. I am unable to pay and I am reading that some of their loans may be subject to usury violations. I am looking for input to see if they are a valid lender due to their high interest rates. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I receive a FICO credit score from XXXX which is from Experien. I noticed my score dropped by XXXX points in XXXX. I contacted TransUnion online and had no issues - the item that they say was reported was not supposed to be reported and was removed. I tried to sign up for a trial credit monitoring, credit score, and credit report online with Experian and it would not allow me to obtain my report online on XXXX/XXXX/15 ( had same issue years ago ) I received a message that I needed to provide copies of bills, license etc via mail and they would send me a report. ( I never received a report years ago ) I was also unable to access my Experien report through XXXX on XXXX/XXXX/15 ; however, I had no issues with the other credit bureaus. I called Experien on XXXX/XXXX/2015 XXXX, The first time I did not receive an explanation as to why I can not access my account information - I was told all they could do was mail me XXXX and they could not provide me any further information. The 2nd time I called around XXXX and I asked the XXXX name - he did not want to give me his last name and then replied XXXX XXXX?? on team XXXX. When I asked to speak to his supervisor he was reluctant to provide me with a supervisor 's name but later stated her name was XXXX XXXX and she was unavailable. I again asked why I cant access my report online and why I ca n't dispute something online. I stated its my right, their website states it allows online access, and explained why I wanted to view my report. He said he can not disclose why and doesnt really know why I cant access online information. I told him that I dont accept that answer and would like to talk to his manager or supervisor. His reply : noone is available they are at lunch. He finally suggested that it may be because of a security question not being answered properly, an issue internally with Experien obtaining my report, or too much information to upload for me to electronically view. I said if I accidentally answered a security question wrong why cant they verify another way so I can access online information. He finally took my personal information minus my SSN and was able to access my report and placed me on hold. He came back on the telephone line and said there is nothing he can do. I replied by stating I dont understand this. It is my right to be able to view my reports - I need to get this resolved very quickly and again said I need to view this information online to possibly dispute - I have to cosign for a college loan for my son and he starts in 30 days. He said all I could do was dispute via phone and they can mail me a copy. I said that was unacceptable. I again asked to speak to a supervisor or manager and he said there was not one available. I said I do not want to dispute over the phone and asked how am I supposed to dispute when I cant even view my report & score? I want to dispute online and in writing and need to this taken care of immediately. The end result : Experien could not give me a explanation as to why I cant view my information online. I NEED TO VIEW THIS INFORMATION ASAP online. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I took out a consumer loan with Wells Fargo National Bank XX/XX/XXXX. The loan was repaid by XX/XX/XXXX. We missed paying it back in a year by 10 days. Wells Fargo Bank said we owed {$480.00} interest. I paid {$250.00} in XX/XX/XXXX and planned to pay the remaining balance in XX/XX/XXXX {$7.00} interest was added to the XX/XX/XXXX balance of {$230.00}. My question is why are we being charged interest on interest? 

Company response: Company chooses not to provide a public response
Consumer complaint: I went in to my local wells fargo branch that is near my work on my lunch break to with draw money from a non-wells fargo account. I am a full time student and have a checking account run through my school where i receive my stundent loan refunds deposited too. Typically once my refunds are deposited i head over to wells fargo to withdraw the money and deposit the money into my wells fargo account because the bank from my school does not have any convenient atms and there are fees everytime i used the card. Well this was the first time i went to the wells fargo by my work and when i pulled up there was not a visable atm from the front. I went inside the banking center and asked the teller if there was an atm at this location and he confirmed there was one around the side. However the teller informed me that he could complete the transaction inside and i asked is it the same fees as the atm outside and he stated that they were. The teller then asked the associate next to him how to complete the transaction and the teller informed him to do a cash advance. I then asked are you sure the fees are the same as using the atm, the atm only charges me {$3.00} from my other bank and wells fargo charges {$2.00} because its a non wells fargo account. The teller reassured me they were the same. After the transaction was complete there was a {$17.00} charge on my account because the teller ran it as a cash advance. I went to the manager, the manager had the personal banker call my bank and my bank informed us theres nothing they can do. Its wells fargos fault for running it as a cash advance. I ended up being late back to work, the manager said he was going to call me and i have yet to be called. I was lied to, they wrongfully did a transaction that i did not authorize, and wells fargo stole {$17.00} from me. I asked the manager to either reverse the charge or reimburse me to fix the situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Using a modification plan we complied with all they asked for & were told we would receive help. Big deal. We received a modification congratulations that we had complied & our modification gave us the same XXXX high ) interest rate & a {$20.00} per month payment reduction. We have been trying hard to save our home until we can sell as we have a lot of equity. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed the accounts with Experian in which Experian corresponded that the accounts with XXXX XXXX and XXXX were accurate. I then requested the description of the procedure used to determine the accuracy and completeness of information, and documents provided by XXXX XXXX XXXX & XXXX XXXX regarding the alleged accounts. Experian was unable to produce ANY documentation. My question is how can the credit bureaus validate the alleged accounts and the creditors XXXX XXXX XXXX or XXXX XXXX can not validate the alleged debts? 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, I sent a letter to Experian asking them to investigate mistakes on my credit report They are supposed to respond in XXXX days, but I have received no response from them. I have sent follow-up letters asking for my investigation results, but still have received not response from this agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: Telephone call, rude -- I think this related to my daughter but somehow they got my cell no. and called me ; I want no further contact with them 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a credit card with Wells Fargo and was agreed that my interest would be 10 percent after two yrs. After the two yrs passed i noticed the company charges me 20 to XXXX percent interest. I notified them in requesting to close the credit card account and they refused. Note : I made on time payments on my credit card and have n't had any missed payments. I need assistance in fixing this because its damaging my credit and with me paying on time they still put me in collections. 

Company response: Company chooses not to provide a public response
Consumer complaint: sw credit for XXXX for {$510.00}. I believe this is not mine. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I pulled all XXXX of my credit reports and My first mortgage with XXXX acct ending in XXXX is listed as well as my XXXX mortgage with XXXX XXXX XXXX Bank acct XXXX as being charged off on my Bankruptcy case # XXXX NVA dated XXXX 2009. I have never had any mortgage on my bankruptcy. I have contacted all XXXX and they have not removed this false information my mortgages are current and in good standing 

Company response: Company chooses not to provide a public response
Consumer complaint: I scheduled a payment online for the due date. It did n't go through and I was charged a late fee. The late fee was removed but my account still showed that the payment was late. This is the second time something like this has happened while I used their online payment service. 

Company response: Company chooses not to provide a public response
Consumer complaint: In early XXXX I received a letter from XXXX XXXX XXXX that stated if I did not voluntarily make arrangements to pay on a time-barred debt, I could be held accountable for additional costs. By threatening me with additional costs this attorney implied that he would sue me in court and hold me responsible for court costs and other costs associated with that action. I have attached his letter to me. 

I feel that this attorney was attempting to intimidate me. In this letter, this attorney also admits that a debt he sued me for was only placed in his office for collections, that he was not hired as an attorney on the debt, but that he used his position as an attorney as part of his collection tactic. I feel this is an abuse of his role as an attorney, unless he is retained by someone to collect debt, he should not be allowed to use his position as an attorney to sue for debts that are only placed in his office for collection. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Public Records XXXX XXXX XXXX Superior Docket # : XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX / Date Filed : XXXX/XXXX/2009 / Type : Civil Judgment Ph. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX XXXX Court Docket # : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX BANK # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX # XXXX / Current Status : Paid in Full / XXXX Balance 

Company response: Company chooses not to provide a public response