AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have been harassed by United Home Loans of XXXX for a bogus loan that I never signed any contract for. I moved here from XXXX in XXXX XXXX, XXXX to a Lease to Own four year lease, but the home was not livable when I moved to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. I had taken them to court and had won the complaint and was awarded all my funds I had given to XXXX to secure the lease to own. I had only was awarded my {$1400.00} back without any regards to the expenses of having my electronics and furniture exterminated and moving expenses to another livable home. Since the court order, I have been harassed for payment of a {$50000.00} home loan that XXXX had contracted out to United Home Loans that I never knew about or signed any contract with. The website of XXXX XXXX XXXX XXXX states that their homes are purchased from foreclosures and repaired by their own maintenance team to livable condition, but this home was not even seen by them to do any repairs or exterminate before I moved in. I tried negotiation with XXXX to pay for foundation repairs that were the most dangerous of the home along with bad dangerous wiring that had shorts in the crawl space that was dug out making the house collapse. Mean while I had done some foundation stabilazation and plumbing and electrical repairs and had sent XXXX bills to XXXX for labor and Materials which was a small charge of {$600.00} to do and they refused to pay. 
The furnace was leaking from the control valves inside the furnace and almost burned the home down before I found out. The home should have been condemned before renting it out. Now since getting involved with XXXX and winning in court, they have hired UNITED HOME LOANS XXXX to do their billing to me for {$50000.00} loan I do not have any contract with. I had informed UNITED that I do not have any loan with them and told them to cease and desist their attempts to collect on a debt I do not owe, but they still send me notices every month with late fees of {$75.00} and claim I owe over {$3400.00} in the XXXX XXXX XXXX billing invoice. I would like to get treble damages from UNITED HOME LOANS XXXX in the amount of {$150000.00} plus and legal fees and court costs. Since XXXX had initiated this whole scam, I would like to get Treble Damages from them also for pain and suffering and material costs of work rendered on the home at XXXX XXXX XXXX XXXX, XXXX XXXX. to be able to move into safely when we arrived. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: putting on collection a my credit report that 's not mine Talked to them on XX/XX/2016 say that they could n't find me in their files, I told them that they did n't have trouble finding me put on my credit report. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: WELLS FARGO ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify WELLS FARGO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WELLS FARGO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: When I signed up for the XXXX XXXX XXXX, a " bonus award night exclusively for card members '' was promised on award stays. Recently this benefit was removed. Despite the bonus night benefit being removed, the annual fee is still unchanged at {$75.00}. I have had this card for two years, but with the loss of the bonus night, it is much less useful for me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I never had any agreement with XXXX XXXX XXXX ; I have reported this to XXXX with no resolve. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I was contacted by a singles site called XXXX. I had just went to an interview with them in XXXX 2015. The person persuaded me to sign up with thier services. I gave a {$500.00} down payment towards having XXXX dates with XXXX elegible bachelors. I explained I would not be available for another month and was told it would be fine. Two days later I received a distirbing call from a young man who represented himeslf from the company and he wanted my credit card in order for the services to begin. I refused and told him I was no longer interested since there was a conflict in our initial agreement. I then began receiving bills from them where each month the amount was doubling. I received an email from the original sales person asking me to call her. I no longer wished to speak with her since she had falsely represented what they promised. I attempted to send an email, but it was returned. I tried calling the company and the number was out of service. I am getting OMEGA debt collection calls on this who want to negotiate a settlement. XXXX XXXX XXXX ia thier number. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Recently I mailed the " Annual Credit Report Request Form '' ( found on the CFPB 's website ) to the address on it and requested copies of my XXXX and TransUnion credit reports. I have a pending CFPB complaint about XXXX not providing corrected or timely copies of my report to me. Therefore, this complaint is about TransUnion 's failure to provide me with a copy of my report in response to my request for one as described. I received a non-specific form from somewhere in XXXX ( XXXX again? ) demanding my social security number in order to get my free copy of my Trans Union report. No credit agency is allowed to keep, use, store or provide my social security number to XXXX parties. I have not granted TransUnion this permission and will not, given that its interest in making money off of my personal information is contrary to my interests. Moreover, I have lived at my present address for over a decade and Trans Union has sent copies of my report to this address during this time. Although I supplied my birthdate on the form, as noted in my pending complaint against XXXX, however, it illegally maintains a false birthdate for me and has refused to investigate it, to remove it, or even to reveal the source of it to me so that I can take corrective action. So, possibly, XXXX illegalities concerning my birthdate, may also be preventing me from getting a copy of my credit report from Trans Union. But for whatever, secretive reasons, TransUnion has not provided me with a free copy of my credit report, despite the fact that I requested one. 

Company response: Company chooses not to provide a public response
Consumer complaint: As part of a new lease agreement that I made through my dealership, I agreed to pay the remainder of my lease payments on my existing lease to the dealer. I signed the documents, furnished a lump sum for the remaining payments, and took delivery of the new vehicle and returned my old vehicle the next day. 

At the end of that week, I received a notification that my payment on the previous lease had been taken out of my bank account. I called Ally Financial, explained to a customer service representative that I had returned the vehicle under that lease to the dealer at the beginning of he week, and that I had paid the remaining lease payments as part of my new agreement. After belittling me and telling me that I still owed the payment as well as the remaining lease payments as if I had n't just explained the situation XXXX different ways, the customer service representative told me that I might want to call my dealer because they have no info showing that my lease had been terminated. 

I spoke with the salesman that I had dealt with throughout the lease process, and he told me that the processing might take some time. Now there are XXXX parties pointing fingers at one another. I called back Ally a week later, and spoke to another customer service representative who told me that they had received the remaining lease payments and notification that the lease had been terminated. Good, so how about refunding my extra lease payment? Ally refused to do that. They told me that they would evaluate the situation after the car was sold at auction and decide then whether to refund me the EXTRA payment. Again, they told me to talk to my dealer. 

I left my salesperson a more somber correspondence because at the point I had become more than frustrated. I missed a package delivery from Ally financial later that week, which I expected to be my refund check. I went to the post office today to get the package, and of course it was n't a refund check. Rather, it was a notice of intent to sell my vehicle advising that I order a XXXX party appraisal on the vehicle in case there is a dispute over the value. I see where this is headed. I returned my car with no scratches, dents, or issues with under XXXX miles less than the lease agreement allowed. And I have not been in possession of the vehicle for almost a month so I have no clue how they would expect me to obtain an appraisal at this point. 

Refusing to return an over-payment is n't only unfair, deceptive, and abusive, it 's consumer theft. I have paid every single payment for almost three years on-time and took wonderful care of the vehicle for the duration of the lease. I had considered purchasing the car at the end for the initially agreed on price, because it is probably worth much more than that number given the condition and the lack of miles. Unfortunately I made a grave misstep and now I 'm stuck being given the runaround by a predatory financial institution. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15, I reported a fraudulent charge of {$670.00} debited by XXXX XXXX to the disputes department of Ally bank. I went on to explain that I had not contacted XXXX to initiate the charge, had not signed up for automatic billing of any kind and do not have account with them. I was issued a provisional credit in that amount while the disputes department investigated the matter. 
Nearly three months later, I received follow-up from the disputes department dated XXXX XXXX. The letter states that the charge " ... .was authorized and correct. '' Upon receipt I reached out to Ally to receive an explanation. To date, I have not been provided a definitive answer as to why this charge is considered valid. To add insult to injury, I received a letter dated XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX, a collections agency, seeking payment in the amount of {$690.00} on behalf of their customer Ally Bank. 
On XXXX, I reached out to Ally and requested to speak with a supervisor. The call was forwarded to XXXX XXXX. She confirmed that the I may submit documentation to disprove the merchant 's XXXX rebuttal to the initial dispute once I receive yet another letter in the mail ; however, I am not sure how long this process will take or what impact this will have on my credit since this matter has already been forwarded to a collections agency. 

XXXX Resolution : I would like for Ally Bank to remove my account from collections and allow me the opportunity to properly resolve this matter by working with them and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a green card holder from XXXX and I visited XXXX with my wife and daughter from XXXX XXXX to XXXX XXXX, XXXX. During my visit I renewed my debit card at a Bank of America branch near XXXX XXXX. I used the new card once or twice for withdrawing a small amount of money at BoA ATM and did not use it for shopping. When I checked my account online during XX/XX/XXXX, I noted that my debit card was used on many occasions for money withdrawal and shopping, after we left XXXX for XXXX on XXXX XXXX. More than XXXX USD was stolen from my checking account. I contacted the Bank ( made an online chat ) and explained the case. At first they charged my account with the exact amount stolen, but they reversed this credit later, claiming that the PIN number was entered at first attempt and the card was used many times, adding that if it were a fraud case, the money would have been withdrawn in one attempt! They required me to send the flight information, which I then faxed, for opening a second claim. In the mean time, I made online chat with the Bank from XXXX three times and lastly had a call on Friday, XXXX XXXX. I was told by the claim department that the fraud case was closed irrevocably! 
Long story short : my debit card must have been copied during my visit and misused after my departure. 
The card is not stolen, it is still by me! They do n't want to understand that I can not use the debit card while in XXXX for ATM withdrawals and shopping in the USA! 
They even implied that I was lying and was the real person using the card. 
I feel humiliated by the bank and want my money back along with a compensation. By the way, I am a XXXX ( XXXX ) and have a moderate sum of money in my saving account with the same bank. They apparently do n't take enough security measures at their ATMs. Instead of apologizing and refunding, they go the easy way and put the blame on the customer. I really have difficulties to understand how such a thing can happen in the heart of XXXX and how one brand name of America in the financial sector could behave such badly toward a senior customer. I am really very disappointed. Thank you for considering my case. Best Regards. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit card issued by Barclays was closed without notice. I received a notice saying the account was closed for 'unusual account activity ' and that my credit was not use in the decision. I would like my XXXX $ annual fee refunded, and the XXXX $ in unclaimed rewards credited to my account. The bank would not provide further explanation as to why my account was closed, and they refused to credit my account for the unused points or already paid annual fee. I find this behavior akin to a bait-and-switch. I used this credit card under the pretense of earning rewards, until the bank decides to unilaterally close the account and deem my earned rewards void. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have had a bank account at Citibank for 13 years. At the time of opening, i negotiated a package with no monthly fee and no minimum. I just noticed on my online account that I am being charged a monthly service fee of {$25.00}. I looked back, and this fee was assessed month after month since XX/XX/XXXX. A total of {$270.00}. Citibank CLAIMS they sent me a letter telling me of this change, but they could n't have because I never would have agreed to it. I called and made a stink and only got {$100.00} back. This from someone who has XXXX bank accounts, a credit card and mortgage with this bank, and who certainly has less money to burn than Citibank does. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been taken to court ( 3 appearances since XXXX XXXX ) by XXXX XXXX XXXX XXXX on behalf of a Tribute Mastercard. I initially requested a hardship consideration as my house had just burned down and I was not prepared to have to answer to this. I have not heard anything from them in regards to this, and after the 2 appearance, I sent them an email requesting documentation of this debt and have not heard anything. At my last appearance they said they are still working on it. I emailed them again and still have no response. My credit report shows the last payment on this account was in XXXX XXXX, which I believe is past the statute of limitations and this should be dismissed. The name on their account is XXXX XXXX ( previously married name ) 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was unemployed and on Medicaid at the time. This ER center said they took Medicaid prior to my arrival. It a simple visit by a doctor, XXXX and prescription 's had written and I was on my way. I was n't there more then 45 minutes. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: CitiCards payment processing process violates XXXX because of their unfair deceptive and abusive practices. I tried to process a payment online on their site on XXXX, and because there was an online issue with selecting the XXXX as the payment date, they had me call in to make a payment over the phone. The phone rep was unable to assist me and did n't explain as to why which I thought was very deceptive. I went back online on the XXXX and had no choice but to elect the XXXX as the processing date. Now my payment is late and there is a late fee associated because of your unfair deceptive and abusive practice. The late fee will also affect my APR which is also unfair. The payment site should have transparent disclosure on the processing payment site and not deceive their customer. 

Company response: Company chooses not to provide a public response
Consumer complaint: It is now XXXX/XXXX/2016. As stated before, we were left no option but to do a died in lieu with BSI. We have lost our home of 18 years even after being able to provide proof of sufficient income to make payments if the loan were to have been modified. We did everything we could to save our home. BSI has been the most unprofessional company we have ever worked with. Im asking you to please review all records, phone calls and proof of income. I have kept and printed off all emails. The number of staff and representatives we went through in this horrible process. We ended up in contact with the CEO of BSI. With all of this being said, we have turned over all contact via email and mail and phone calls to our attorney. We are going forward with a law suit as this loan has been so mishandled and ended up in my family being homeless. This has also been reported to the housing authority, HUD, and XXXX. Its a shame that this company remains in business. Please take the time to review, research and investigate how loans are being handled. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX is attempting to collect a debt that I do not owe. It appears a debt discharged in bankruptcy or otherwise not mine is attempted to be collected upon. Interogation of my XXXX year old mother has her very upset. I do not owe any debt to XXXX XXXX XXXX XXXX or any of the zombie debt purchasers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a citicard and was under the impression I set up autopay, but I did not, so I resulted in a late payment fee of {$25.00}. I have been with this company for 5 years between another credit card with Citi and have never been late. I immediately paid the 5 days past due amount and set up auto-pay, and asked if they could waive the {$25.00} as a one time courtesy ( the only late payment I have ever received ) and they said NO. I WOULD HIGHLY RECOMMEND NOT DOING BUSY WITH CITI. I have been in the credit card industry for over 15 years, and ALL credit card companies have a one time courtesy adjustment policy, except for Citi apparently. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company has been harassing around about 3 months for account open by identity theft with XXXX, We request a copy of the alleged agreement and a copy of his license to collect money in my state and have not given me any kind of document. Rather they began to report the XXXX credit bureaus account. Credit card companies, XXXX, XXXX, XXXX, remove the account when you do get the police report of my identity theft, and the agency returns infrige laws and nuemamente I reported the same account. I already have bad with constant harassment, I will take an action with this agency or fined for not following the CRA rules. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Judgment with Reference # XXXX, reported on XXXX/XXXX/2012 appears on my credit reports. Base on understanding, I do n't remember being served. I am writing this complain so that this judgment can be justified and/or removed from my credit reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian failed to follow Fair Credit Action 605b and block the info that is the result of id theft. This is my 4th request and I am including the FTC Theft form completed, Police Report, Drivers License, SSN card and proof of residence! Please block the XXXX XXXX XXXX account it is a result of ID Fraud!!!!!!!! Please review all attached documents and the FTC is n't signed because its an automatic report to the police I did but the police report is included as required under FCRA Section 605b. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a baloon mortgage with Wells Fargo. I have been trying to get a refinance with a better rate and more reasonable terms. Our refinance consultant has made it almost impossible to accomplish this. He/ they have made unreasonable demands before they can close. The amount in question is very small and our appraisal is more than twice the amount to be refinanced. Very poor communication and customer service. 

Company response: Company chooses not to provide a public response
Consumer complaint: This Agency claims they investigated my dispute but yet they continue to report inaccurate balance on my report.I have contacted them on a number of occasions but they wont respond at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to school for XXXX at XXXX in XXXX 2010 and got an privte loan from gensis equaling XXXX my course cost at the time XXXX learned that they had been sued at I did not recevie, money for over payment the class that graudteed after me, recevied an reduction in tuttions payed, XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company