AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Paypal will not release my funds since XXXX/XXXX/15, account is closed withholding funds for 180 days until XXXX/XXXX/15, unlawful violation of " Regulation CC '', unreasonable delaying in funds withdrawal or deposits. Paypal claims my account is closed forever, I am blacklisted as a customer blacklisted forever, but Paypal refuses to release my funds {$500.00}. What Paypal is doing is illegal, an unlawful violation of " Regulation CC ''. XXXX XXXX, Paypal Acct # XXXXXXXXXXXX. My contact number XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had cash on demand account with Wells for the past 7 years. While I may have been late on a payment or XXXX about 5 years ago, I have diligently paid the balance and interest every time I have used the card. Two months ago I received a letter stating that my annual fee would be assessed in the month of XXXX, and since that time I have logged onto my account weekly to look for the assessment and pay my bill. Instead, I received a very curt letter in the mail stating that I had not used the account in XXXX or more months and effective immediately my account is closed. 
I called Wells customer service to discuss having my account re-opened and offered to make a debit to keep it open. I was told they would not reopen my account but I could apply for a new account. 
Had I been notified that they were going to close my account if I did not use the card within X days, I would have happily used the card to keep the account open. 
Wells practice is detrimental to my credit score as I have been a paying customer for years, on both this card and my mortgage. By closing this account they have reduced my available credit balance by {$9500.00}. Moreover, asking me to apply for new credit instead of reopening my account will negatively impact my credit score as it will ping my SSN and show up as a new inquiry and new account, which are factors used in all XXXX of the credit bureaus ' models. 
I request that my account be reopened and that the Wells review the fairness and atrocious customer service element of this practice and the harm consumers that are not delinquent. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage through Wells Fargo. After several months, I saw an offer from their website saying I could obtain " significant '' savings on interest and cut years off my mortgage by changing from monthly to biweekly payments. I elected to do so, and only months later did I learn that the bank merely holds the first payment and does not apply it until the XXXX payment arrives. I was led to believe that payments had to be applied when received. I sent them an email saying I believed their practice is deceptive at best and predatory at worst. The question is, is it legal for them to do so? Is it legal to do this without proper disclosure? I requested that they retroactively apply my XXXX biweekly payment each month to the mortgage on the dates they are received. They refused. I spoke with an officer at another bank who said doing so is " common practice '' in the loan industry. If so, and if it is legal to do this without disclosure, then please ignore this complaint. If not, then I wish merely to have my payments applied as of the dates received and a new amortization schedule sent to me. Aside from this, I am quite satisfied with my bank. **Please note that on XXXX XXXX, XXXX XXXX sent me a letter fully explaining that the biweekly ( " partial '' ) payments are withdrawn from my bank account and placed into an " unapplied funds account '' until the " full monthly payment '' is received. XXXX sent me a new amortization schedule as well. Further, she said the bank is placing a " XXXX-day hold on any negative credit reporting '' for my account to ensure no " adverse information was sent to the consumer reporting agencies while we researched your concern ''. The wording sounds like a potential threat that the bank could ( if it so chooses XXXX send " adverse information '' to the credit reporting agencies because I sent a " concern '' their way. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, a lawyer for the plaintiffs in XXXX class actions pending in New York bankruptcy court, confirmed Monday that the XXXX banks agreed last week that within the next three months, they 'll either report this debt as included in bankruptcy and remove any negative information or will delete it entirely from credit reports. 

The lawsuit, filed in Federal Bankruptcy Court in XXXX XXXX, accused the banks of engineering what amounts to a subtle but ruthless debt collection tactic, effectively holding borrowers ' credit reports hostage, refusing to fix the mistakes unless people pay money for debts that they do not actually owe. 

XXXX XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XXXX, when he refused to dismiss the case against XXXX, he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. " Bank of America promised to go further, agreeing to fundamentally change the way the bank reports all the stale debts that are sold to financial firms. For all credit-card debts sold since XX/XX/XXXX, court records show, the bank will remove any marks on consumers ' credit reports. 

As it is now XXXX XXXX, more than the three months agreed upon in the settlement, I am requesting IMMEDIATE deletion of the zombie debt reported by BANK OF AMERICA that appears on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a US Bank secured credit card with a credit limit of {$1000.00}. I accidently overpaid the credit card which was fine and that created a credit balance on the card. The US Bank website and XXXX app showed the XXXX payments, showed the credit balance and showed by " available balance '' as {$1500.00}. On Sunday XXXX XXXX I went to check into a hotel ( XXXX ) by US Bank credit card was declined. I used another card to check in and called the number on the back of the card for an explanation. I was told that there was a 7 day hold placed on my payments ( which was made on their website via ACH from a checking account ) and that my available balance was just over {$100.00} thus the decline. I asked why the hold was placed for 7 days on an ACH payment and they could not explain. I asked why the website and mobile app showed my available balance of {$1500.00} when it was n't and they said they were not sure that maybe it had not updated. But it had updated to show the payment. 
I asked the first person I talked to if there was any CFPB guidelines on the holding of ACH payments or on the reflecting of available balance on a website that was no actually available. It became obvious that the person did not know what the CFPB was. When I asked if he knew what the CFPB was he admitted he did not. I then ask him to escalate my call to a supervisor and I got " XXXX '', XXXX also seemed to have very limited knowledge of the CFPB or how to handle a customer complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was notified of this charge by XXXX of XXXX. I told them this was not my bill, I did not apply for credit, charge anything to them and asked for a copy of the signed agreement of credit and/or credit charges so I could prove that was not my signature. They refused to send me them. I explained my x-husband has used my name and ss # before to get credit and skip out. He previously charged house furniture to a company in XXXX and I have had car repo people show up at my house to repo his truck. I tried to get some kind of proof from XXXX that this was my bill. I have never been to XXXX, do not intend on going there, and I would remember if I had open credit. I did not start getting credit after my bankruptcy until recently. I believe because they can not locate the rat I was married to, they will try to pin it on me. I 'm just starting to get myself back in ; the good, and I do not need a foot holding my head under water for something I did not do. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called Wells Fargo to inquire if I could reduce my current personal credit card rate. I was told by the agent that " they would transfer money into my personal checking account at 4.9 %, plus a fee '' When I asked for clarification, he had no clue what he was talking about. I KNOW what he was talking about - a Balance Transfer with a fee. He could not explain it, provide disclosures, provide details, etc. I immediately asked for his supervisor. " XXXX '' got on the line after XXXX min to tell me that " I was not understanding his associates words ''. HA. I totally understood ; his phone rep did not. I have worked in the credit card industry. It was misleading, uninformed, bogus, totally outside of standard practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently contacted experian to dispute XXXX identical accounts on my credit report from XXXX and XXXX. The investigation took less than a week and it can back as updated. When I looked at the date of account reported to the credit bureau, it went from XX/XX/XXXX to now XX/XX/XXXX after I made a dispute. I sent a letter of validation to Lustig, Glaser and Wilson asking them to validate that I owe the debt on XX/XX/XXXX. They have not responded or validated that I owe such debt as of yet. XXXX, I believe is a fraudulent collection agency that works under several alias such as Lustig, Glaser and Wilson and several others. I do not believe that this account is mine. I also do not understand how XXXX different agencies are collecting and reporting for XXXX account. I highly doubt that what they are doing is legal and would like the Consumer Financial Protection Bureau to look into it. Thank you. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I paid this bill the day I received it. I have continued to receive the same bill even after providing a copy of the cancelled check XXXX.XXXX told me repeatedly I had XXXX options to either fax or email the canceled check even after I told her I could not do either. XXXX supervisor after the XXXX Bill finally gave me a mailing address.After calling Patient relations at the XXXX XXXX XXXX Center I was told I should be contacting XXXX XXXX XXXX hospital. I do not understand why they did n't tell me this sooner I was instructed by XXXX XXXX to mail the copy of the cancelled check to her. Even with continued communication documenting with XXXX XXXX XXXX XXXX and XXXX XXXX Hospital that the bill was paid they sent a delinquency notification from Harris and Harris Ltd collection agency. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I XXXX and am on a XXXX month contract. I was crunched with fewer XXXX classes and tried to contact Citimortgage about any type of help I could get within their system. 

After a XXXX month process of speaking to multiple Citimortgage representatives and receiving different answers and interpretations about the same procedures ( possible outcomes and the best timing for initiating which procedures ), I have come here to complain. 

I have two problems with the system currently in place at Citimortgage. 

1. It is reactive rather than proactive. Apparently, the bank will refuse to help unless the customer falls behind and skirts the edge of default ( but paradoxically will not offer a deferment of payment until AFTER the situation has been resolved ). I tried to do the responsible thing and contact them before the issue became a problem of my not being able to pay. 

2. The Citimortgage associates to whom I spoke each had different understandings and misconceptions about what I was trying to do, why I was trying to do it, and how I should go about handling my particular situation. Though I understand that they must follow company policy, each of the representatives should have had the same understanding of how that policy was to be implemented. After having spoken to XXXX different individuals over the course of two months and received multiple possible answers to the same questions, I am EXTREMELY frustrated. 

Company response: Company chooses not to provide a public response
Consumer complaint: ssue Unable to get my credit report or credit score : Problem getting my report or credit scoreDescribe what happened so we can understand the issue ... 

I am an XXXX Service Member in the XXXX. I attended the financial briefing in XXXX from the military. Following guidance from the Financial Planning Counselor, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites. 

Additionally, I am experiencing difficulty obtaining my Free FICO score. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX messed up their accounting when I closed my account with them and they have told me on 3 separate occasions this year that I do not owe the debt. Unfortunately XXXX assigned the debt to a collection agency who will not stop threatening me despite multiple calls from me explaining the situation. Each time the collection agency says they will contact XXXX to confirm the status but XXXX has no record of them doing so. The collection agency is Credit Protection Association L.P., XXXX XXXX XXXX, XXXX TX XXXX. The amount I am being told to pay is {$40.00}. Their reference number for the collection is XXXX. The phone number for the collection agency is XXXX. Constellation has assigned me a reference number for this issue - that ref number is XXXX. I feel like I am being extorted for this sum and wish to file a complaint against Credit Protection Association L.P . 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I took out a loan from this company, just after I took out this loan I was displaced from my job of 6 years, I was trying to do the right thing and notify this company of my displacement. I told them would like to set up payment plan until I get back to work I also told them I had to close my checking account the money wo n't be there do not debit my account they debited my account anywaysThen charged me XXXX on my account, the rep or supervisor refused to work with me telling me I had to pay the regular payment told them I do not have the money or resources at this time they told me nothing they can do, this company refuses to work with meOr set me up on any repayment plan which would allow me an opportunity to repay the loan 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I called to file a complaint against a debt collector for XXXX XXXX Bank and received a email requesting additional information. I tried calling and got a message I was unable to leave a message. Can someone respond to this email. Thank you. 

XXXX XXXX XXXX, 2015 

Company response: Company chooses not to provide a public response
Consumer complaint: I was victim of fraudulent activity XXXX times this year thus far. Someone stole my information and my credit was impacted ( i.e., triggered several derogatory activities on my credit reports ) 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX has been paid in full and XXXX who has the account has received the paper work that it is paid in full and was to remove it and it 's still on there need it look into checked and removed cause it 's been paid in full. XXXX has all the documents 

Company response: Company chooses not to provide a public response
Consumer complaint: Two years ago I XXXX. My credit was OK - but not great due to some credit cards I had trouble paying while I was in college. However, currently, I only have XXXX credit cards with very low limits, and my credit report is showing I owe over {$5000.00} to creditors. I am a XXXX year old moth of XXXX, my husband is a XXXX in NJ and I am XXXX that I have been working hard for. I have been XXXX for two years, and XXXX has XXXX debt. Everything I purchased for XXXX has been paid in full. My credit report is now the sole reason I can not get a line of credit or small business loan to continue to grow my XXXX. I truly feel that these reports are false - because I do not even have a credit card with a limit of {$5000.00}. I am not in collections with anyone, and I am infuriated that these agencies can list I owe so much money to creditors when I clearly do not. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was looking at my credit report and saw an address in my personal information that I have never lived. It was XXXX XXXX XXXX XXXX XXXX XXXX, MA. I have never lived in XXXX at any time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed back in XXXX of 2015 that Experian had charged XXXX XXXX on my card. My wife called them and made sure whatever service they had signed us up for was cancelled. Two months later another XXXX charges of XXXX appear. In an entire two month period nothing was charged, and all of a sudden the charges appear. On the day they came through my card which was XXXX XXXX I called. I was told by XXXX ' that the charges were n't cancelled. He would cancel them now and refund me the XXXX charges. I did n't see the refund today so I called. I was told by 'XXXX ' that the account was n't cancelled. I pulled up a confirmation number. They agreed that it was cancelled as per the email. But they wound't refund us fully. Only for XXXX dollars. I told them to check 'XXXX ' notes, and refer back to the taped audio of the conversation. They said that his notes only state we called to cancel. However, I told them if that was the case then why did they initially say it was n't cancelled UNTIL i gave them a confirmation number? 

I told them that in this discrepancy the audio would prove what 'XXXX ' told me. Manager 'XXXX ' said that it was too hard to get the audio, and that XXXX dollars was all she could do. They have had MANY FTC complaints. I told her I would file a complaint. She said I was free to do that and ended the call. 

Company response: Company chooses not to provide a public response
Consumer complaint: After a year of struggle to get my admin order cancelled i finally succeeded in it and send the necessary documents trough to trans union to update my records, according to the information on the websites it is suppose to take 20 days, i have also paid lawyers to do so and it is 4 months from the first queries and it is still not done. There is also a judgement which was paid up already many years back and i have only recently notice it i have also paid the lawyers to get it cleared of my name which is still laying on my name. 
My credit report is a very important part of my career at this stage and it is a bad reflection when i apply for other positions, i have suffered along time with this decision of going under administration many years back and have paid the consequences for it. If i could ever advice anyone i would never give them that option. All i want at this stage is to clear my credit report. 
Please can you assist me in this matter 

Company response: Company chooses not to provide a public response
Consumer complaint: I obtained a XXXX mortgage from Charles Schwab Bank in XX/XX/XXXX. The mortgage is a conventional adjustable note which called for " interest only '' payments for the first 5 years with the remainder of the note then amortized over the remaining term with adjustable interest periodically calculated. The note contains a paragraph that ( see attachment 8 ) says the note is " assumable '' subject to a new buyer qualifying for the note assumption. 
In XXXX XXXX I received a " Loan Modification '' from XXXX XXXX which had assumed the servicing of the note sometime after I closed with Schwab Bank. The loan modification agreement lowered the interest rate to .10 % ( XXXX basis points ) for a 4 year period to XXXX, XXXX. The loan modification contained a paragraph stating " All terms and provisions in the Loan Agreement providing for or relating to any change or adjustment in the rate of interest or in the payment amounts remain in full force and effect except as modified herein -- --. 
Whenever the monthly payment amount changes, Lender will notify Borrower of the new payment amount prior to the date of it first becomes due. " There is no place in the Loan Modification Agreement that addresses, or changes, or counteracts the original wording about the assumability of the mortgage by a potential new buyer. I have received an offer from a potential buyer to assume the mortgage rate of .10 % for the remaining 2 years of the Loan Modification subject to his qualifying for the note. Schwab Bank AND XXXX XXXX refuse to allow the note to be assumed in accordance with the Loan Modification which I executed in good faith. Each refuses to put in writing citing the basis for their seemingly arbitrary decision saying only " It was not our intent to allow the XXXX XXXX rate to be assumed by anyone '' although each does confirm that the original note is, in fact, an assumable loan. 

It does NOT appear that Schwab Bank had any involvement with the Loan Modification paperwork since the Agreement was prepared by a law firm on behalf of their client, XXXX XXXX, XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have banked with BMO Harris Bank for XXXX years. As a XXXX we get a lump of XXXX paychecks that are deposited in XXXX to cover our XXXX. I has addressed this with BMO and I was assured that I would not be charged the {$10.00} monthly fee for no direct deposit. They continued to ping my account, which caused it to go into the negative. I have recently married and due to merging accounts at my husbands bank I was keeping things at a bare minimum. I did however get student loan deposits into that account, so actually I did have direct deposits into the account. The banker at the XXXX XXXX, MO office assured me that it would all be taken care of, because between the XXXX months there was a total amount of overdraft fees and XXXX fees that totaled XXXX dollars. I was told they would fix it all and to not worry. Everyday that they were " working '' on it they pinged me with a XXXX fee. They total amount they took is now over XXXX and they closed my account. The lack of communication ( I was told I was busy,, do n't worry I 'll get to it tomorrow ) has now led to my account being upside down, when it should not have been and they have taken advantage of a situation that was their fault. I am a XXXX with XXXX sons who is in a XXXX at the beginning of the year. I expect my bank to be better organized and when I 'm told they will fix the problem they created I expect it to be fixed. 

Company response: Company chooses not to provide a public response