AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I deposited a check for {$550.00} on XXXX/XXXX/2016 into my checking account. On XXXX/XXXX/2016 the check cleared the Insurance Company 's bank and was paid. On XXXX/XXXX/2016 funds were still being held. I called & was told the hold was XXXX/XXXX/2016 because " there was a problem with the check ''. They could n't tell me what the problem was. I had a copy of the check, no problems. I was told to call the Insurance Company, that my bank had not called & I was sent a letter to call the Insurance company and to allow 10 days for the letter to be received. No joke! They actually said that! 
I called the insurance company, they confirmed check was paid out on XXXX/XXXX/2016. I called wells fargo again after receiving confirmation the check was cleared, cashed and funds sent, to be told that wells fargo was waiting for confirmation from the Insurance Company 's bank that they would " confirm that they were not going to pull the funds back ''. Are you serious?? This policy of a 10 day hold on money that they have already received and are holding is just stupid! One phone call to them for verification of this supposed pull back release would have made wells fargo " a personal bank ''. Tell me why. I do n't believe the XXXX people I spoke with at the bank. After getting to the XXXX superviser I was told the check did n't clear, the paper check, but that they had the funds on hold. I do n't know ANY bank that would send funds without clearing a check. I do n't believe banks send money out of the goodness of their hearts! They want guarantee 10 days later that the funds are good? That does n't make sense! The bank said I could file a claim, that would take 5 days. LOL Wells Fargo is holding funds 10 days on paper checks. There is nothing that can be done! They have the money, can use the money for 10 days before they release to account holders. I was told Direct Deposits are never held. Is that because they are a Federal Transfer? If Wells Fargo needs a " pull back release '' on all paper checks, why is n't this information given to account holders to deposit along with the checks?? Like an indemnity policy, that the check is good. lol Or a Federal Stamp of some kind from the issue bank? Is n't that FDIC guarantee for a check? 

I believe Wells Fargo should be investigated for unfair business policy in regards to 3rd party paper checks. That this " Pull Back Release '' needs to be investigated. I do n't believe it 's real. Wells Fargo should be slapped with a Federal fine for withholding accountholders funds without reason on funds received and already in their possession. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX office quoted and agreed to one price for services then charged another for services provided becuase " they did n't know '' that the health care insurance provider was n't going to cover all the cost. Refused to adjust pricing and send to collections without first contacting customer about " change '' in the cost of service or adjusting pricing to reflect what was agreed upon. Provider send debt to collections and now refuses to remove delinquency from credit beaureu agencies. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Loan is seriously overdue and approaching foreclosure. I think this was predatory lending and loan has been sold to XXXX companies. I have repeated ask for sale in lue, short sale, and other options because I have problems paying mortgage since I moved away during a military move and I have recently divorced. The Mortgage also has PMI insurance. The company has stated that they could not attempt to modify the loan before because I needed to show a good payment history. I have not been able to maintain a good payment history and that is a part of the problem. I am currently XXXX to XXXX as a XXXX and really need help keeping this loan our of foreclosure. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Calling repeatedly from different numbers & when calling back the recording does not identify who the company is or what their purpose is. The debt they are trying to collect is more than I owed the company XXXX XXXX XXXX XXXX. I waited until the contract ended and paid the last bill, but XXXX had been giving me charges that were not comparable to other customers. They would not reason with me when charges were not owed. I feel that I paid XXXX more than what was provided as a service. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My complaint is with XXXX XXXX, XXXX, and Javitch , Block & Rathbone Law Firm. In XXXX 2010 XXXX XXXX XXXX, filed a judgment against me ( case # XXXX ). The debt was paid in full ( I have documentation ) to Javitch, Block & Rathbone in XXXX, 2010. To date, the judgment still shows open on my county 's Clerk of Courts website. I 've requested XXXX XXXX ( Attorney of record ) for this debt to please forward documentation to XXXX XXXX, XXXX of the satisfied debt. To date, XXXX XXXX XXXX, states they have not received documentation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I paid a company called XXXX XXXX a total of XXXX between my Wells Fargo Visa and XXXX XXXX for services that were never provided. They were to teach us how to effectively sell on XXXX, set us up with drop shippers and create a website. All of this was with the promise that I would get my money back within one year. They never provided the website or any of the drop shippers. They did nothing to justify the money we paid. We had to pay another company for a website and do all of the stuff they promised through other companies. I was informed that I am unable to dispute these charges because of the time that has passed but I find that this is not an acceptable answer. This company has been paid a lot of money for nothing. 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is to be attached to earlier complaints about Wells Fargo Bank opening an account in my name and {$25000.00} stolen from the state of California through XXXX. Complaint # XXXX and # XXXX. I 'm again asking Wells Fargo bank 's Fraud Division to investigate itself and rein in your employee 's. On XXXX XXXX of 2015, my daughter received a fictitious call from a person posing as an FBI agent investigating My Name and Identity Theft. The person wanted to know my address in XXXX XXXX. She has a Wells Fargo bank account. To use your position to gather information from the private record of another person has to be against the law. I immediately contacted the FBI. There response was " We would never make such a phone call to investigate someone. Notify the FTC. '' I did. The call was from XXXX XXXX. Check your phone directory for that number. I have asked the OAG to follow-up in this matter. I have followed up to the State of California Fraud Division hot line. My family 's safety is of most importance. The XXXX XXXX attorney 's office has informed me that they will testify in court in my behalf that it was your bank that laundered the {$25000.00}. The detective will testify, too. If you do n't pass this on to your Fraud division I personally will proceed against you and your incompetence. A person in your organization is in collusion with the fraud why call my family? 

Company response: Company chooses not to provide a public response
Consumer complaint: I called XXXX XXXX hospital, financial department and could not reach assistance to verify the correct number for medical data systems. I have reached out to them twice via email with no response. I want to pay a debt of it is truly mine but can not reach a person to help me research this bill. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was evicted from my apartment complex due to financial hardship. My boyfriend loss his job and I was taking care of everything on a XXXX salary. I made sure I spoke to my leasing office daily to keep them abreast as to what was going on. They understood but when it came down to it they had to do what was best for the business. 
Now, Instead of me being charged for the unpaid rent that I owe and maybe a cleaning charge for not being able to clean properly due to the apartment getting locked. I am being charged fees that the debt collectors want me to pay so that the complex and themselves can make a profit off of a life time set back I had and we all have. I would like to be charged for the original amount that I owe so that I can clear the balance up and move on with my life. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Beginning at the end of XXXX, I have been trying to settle an old charge-off debt for a XXXX credit card that was charged off some time ago. Repeatedly, I have called to XXXX XXXX associates and XXXX XXXX, as well as XXXX bank. Each sends me to the other, stating that the account has been sent to the other or that it has not been entered to their office yet. I have called XXXX and XXXX repeatedly. I 'd really like to just settle this debt, but over the past month, it has proven nearly impossible. ( Note name on account is XXXX XXXX ) 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was solicted ( in XXXX XXXX ) through the XXXX Mail by Citi Card to participate in a promotion to sign up for the XXXX program, a company with which I have an airlines sky miles account. The promotion offered XXXX miles in return for using the card to make {$1000.00} in purchases over the next 3 months after approval. I applied online and was approved for the card. I made the purchases of over {$1000.00} dollars during my first month but the miles did not appear in my XXXX account. When I called CitiCard on XXXX/XXXX/XXXX to inquire about why my miles had not been added to my XXXX account I was told I was not eligible for the promotion because I had previously had an account with Citi in the past 24 months that had been cancelled. CitiCard knew this information when they sent me the solicitation. Citi Card did not inform me when I signed up and was approved for the card that I would not be eligible for the promotion. They XXXX let me spend money on the card knowing that I would not be eligible for the promotion. I believe this Citi Card " come on '' offering promotions knowing full well they will not award the the promised award is both a deceptive and fraudulent business practice and that Citi Card should be held accountable. Had Citi Card notified me that I would not be eligible for their promotion ( they did not ), I would not have signed up for the new account but would have instead used my XXXX credit card. They are deserving of my business. Citi Card is not. I have cancelled my Citi Card account. 

Company response: Company chooses not to provide a public response
Consumer complaint: In regards to a past credit card debt that my ex-husband obtained prior to our divorce. Debt is greater than seven years old and company maintains that it is not despite the fact that they changed company names which apparently started the date of collection over again. Company is XXXX XXXX XXXX , XXXX. They continue to change my balance amount on my credit such as ; XXXX/XXXX/2015 balance amount changed from {$210.00} to {$1000.00}, on XXXX/XXXX/2015 account balance has increased by {$790.00} from {$210.00} to {$1000.00}, on XXXX/XXXX/2015 account balance has increased by $ 366 % from {$210.00} to {$1000.00}. On XXXX/XXXX/2015 account has decreased by {$790.00} from {$1000.00} to {$210.00}. On XXXX/XXXX/2015 account has increased by {$790.00} from {$210.00} to {$1000.00}. Please note that XXXX has never sent my any option to pay the lesser amount, only the higher amount. They make numerous reports to my credit which keeps driving my score down when I am trying to build my credit up to purchase a home. This account is the only negative account that I have. I refuse pay this bill as it is past the time in which they can legally collect and due to them intentionally trying to ruin my credit. I have spoken with them on numerous occasions notifying them that it is too old to collect on and questioning why they were changing my balances on my credit report which they deny doing. I am a member of XXXX therefore I have record of all the changes XXXX has made on my credit report. I am not sure what other steps to take to resolve this matter. Please let me know of any suggestions you may have. Thank you, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a loan from Advance America, XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX, XXXX, Fax XXXX. I got myself trap in the unrelenting cycle, but paid as required every month. My wife lost job and I had to make some financial decisions. I am on a small SSI income. My first order of business was to find a way to get out from under this cycle. I found a program thru a debt relief XXXX. They contacted Advance to negotiate an agreement to paying off the loan. Advance refused to speak with them even under a POA. We could not understand why. XXXX contacted me and ask me to go in a request a rect of balance and fax it to them, they in turn would cut a check and mail it to Advance attached to rect. I contacted Advance and they would not give a rect of bal unless I came in and made arrangements to pay the bal of {$500.00} off. I explained to them again my situation and I was not trying to renig on my obligation but getting help to pay them off. They refused to speak further on the subject and refused to mail or allow me to come in and pick up the needed rect of bal. Is there not some law that at least allows the consumer right to request documented proof of what is owed? This can be resolved today if they would give me that rect. it seems they are trying to keep me locked in to their contract. What can I do? XXXX said Advance told them they would not talk or give them anything, even with a POA. I feel I am being manipulated and my rights are being violated when I have resolved a means to this end. Thank you, can you help me resolve this matter? XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello Please understand that Select Portfolio Servicing refuse to modify my loan in order to keep my home because i had a PO Box as my mailing address. 
As of XXXX/XXXX/XXXX Select Portfolio Servicing placed me on a HAFA Short Sale since they denied my loan modification application, Select Portfolio Servicing placed a value inspection thru a Brokers Price Opinion which it came back at {$380000.00} After several months under review As of XXXX XXXX Select Portfolio Servicing order a new Brokers Price Opinion hiring a new company to perform the evaluation, A few weeks later, the new report came back at {$550000.00} as the new value. 
As of XXXX XXXX i disputed the value since it did n't make any sense that the value increased almost {$200000.00} in just a few months. 

Select Portfolio Servicing refuse to take the report that i prepared for them to dispute the value, i spoke to a manager from the ombudsman dept. who told me that in order to dispute the value i will have to pay for an appraisal out my pocket. 
So i did, i paid for a Licensed appraisal to go out to my home and confirm the value, a few days later i received the full report showing that the value was {$400000.00}. 

Now Select Portfolio Servicing is refusing to use the Appraisal that Select Portfolio Servicing forced me to pay for in order to dispute the value, i requested for a manager since this is ridiculous that they keep providing me with misleading information and now they just refuse to help me avoid foreclosure. 

Please help since all im trying to do is now sell my home in order for me to avoid foreclosure. 

XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: hard inquires were pulled on my credit without my authorization i need it removed its hard for me to get credit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Received notice today XXXX/XXXX/2016 that my citicard account ending in XXXX was closed. This was done due to non use of the account but does adversely impact my credit standing since this account had {$30000.00} available. I believe that this adverse action requires prior notice and there was none. Representative I spoke with said this was citi bank 's policy and contacting the cfpb was fine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a bank account with Wells Fargo, was told I was approved, ordered checks, was given a temporary debit card, deposited money into a checking and savings account. Then received letter in the mail stating my accounts were being closed and they would return my money. I lost my job and faced financial hardship years ago during the recession, I owed Wells Fargo money which I have since paid off and worked hard to re-establish my credit. I went to Wells Fargo for their second chance banking account, believing they wanted to give people a second chance. When I applied I was told I qualify for a normal checking account so I got that instead. Only to be told later they do not want my business for a mistake I made years ago and am trying to make amends for. 

Company response: Company chooses not to provide a public response
Consumer complaint: Reliant Capital Solutions LLC XXXX contacted me for a loan that 's not mine. I sent them dispute letters but they still reported my account to credit bureau and that 's marring my credit report. They have not provided me any proof that the loan is mine. They keep sending me a bill which is not mine. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Macy 's and Bloomingdale 's credit card information was stolen and used fraudulently in Pennsylvania at XXXX different XXXX location on two different days. I was completely unaware that my card was compromised until credit card services blocked it. I followed all the steps I was told by Macy 's and Bloomingdale 's Fraud investigation department to take, such as to file a police report, complete a fraud form and mailed it to them. After three months of so-called investigation I received a letter from them stating 'We regret to inform you that your claim can not be accepted as a fraud and your account is turned to a collection department ''. Let me to restore the sequence of events that '' lead '' to this conclusion after " thorough investigation ''. On XXXX XXXX, 2015 the criminals who have stolen my credit card information went to shop in Pennsylvania to a XXXX XXXX XXXX location, made a purchase for {$2900.00}. After this they went to a different XXXX location at XXXX, again in Pennsylvania, and made the same charge for {$2900.00}. The very same day on XXXX XXXX, 2015 I used my credit card to pay for lunch in XXXX cafeteria where I worked XXXX. This did not bother Macy 's and Bloomingdale 's credit card fraud department at all. After successful shopping at XXXX those criminal had a chicken lunch {$29.00} at XXXX and serviced a car at XXXX again, for {$75.00}. Next they waited and on XXXX XXXX, 2015 went shopping again to XXXX, again XXXX. XXXX XXXX XXXX {$2800.00} and XXXX XXXX XXXX {$3600.00}. The very same day I used my credit card to pay for parking my car at parking garage located XXXX were I was working from XXXX to well after XXXX. Macy 's and Bloomingdale 's store is shamelessly trying to pin {$12000.00} on me. Macy 's and Bloomingdale 's XXXX XXXX Fraud Investigation Department conducted so-called investigation and came to a conclusion based on a ''history and notes '' that this is not a fraud and therefore I have to pay fraudulent unauthorized charges on my account. XXXX sentence ''BASED ON HISTORY AND NOTES ''. Please help. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently was forced to get an appraisal done through Roundpoint to get the PMI removed from mortgage. Roundpoint made me get this appraisal respite the lender not specifically requiring appraisals for PMI removal ( Lender requires some form of property value assessment, acceptable forms include XXXX. ) Before I agreed to this appraisal I made sure I would receive a copy of the report and the invoice. Roundpoint confirmed in writing that I would receive these items ( Reference paragraph XXXX of the XXXX email attached ). The appraisal report was sent from the appraisal office to Roundpoint on XXXX/XXXX/2016 ( I was not copied on this ). On XXXX/XXXX/2016 at XXXX am I sent an email to Roundoint ( servicinghelp@roundpointmortgage.com ) again requesting a copy of the appraisal and invoice ( reference attached XXXX email ). I waited weeks before sending another message through the Roundpoint online messaging service, again requesting this information ( reference attached XXXX message ). Roundpoint has refused to give any kind of response. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My deposits and money in my account should cover all expenses. XXXX check that i deposited was unable to be processed by the bank due to " connectivity errors '' by the app. I get a overdraft fee, which I thought was illegal for banks to make money off of fees. And now my account is negative because bank of america keeps charging more extended overdraft fees. This would n't be a big deal but I have no money and I live paycheck to paycheck. So my check is enough to cover my apartment and living expenses but not extended fees that will keep occuring and continue to push my account further into a negative balance because I am unable to pay for them. I call Bank of America to see if I can have these fees removed and they say " These fee 's were properly placed. '' I feel like I have no power over this situation and I stress and I ca n't eat because I am thinking about how I am going to afford next months rent. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have my property at XXXX, Georigia - XXXX. My loan is with Nationstar Mortgage LLc., I have reached 78 % of LTV on my loan on XXXX XXXX, XXXX. As per 'Home Owners Protection Act '' of XXXX, Nationstar Mortgage LLc., has to automatically terminate collection of PMI which is private Mortgage Insurance from XXXX XXXX, XXXX onwards. They are still collecting XXXX dollars every month knowing full that as per the Act they will have to refund. I took the matter to XXXX and they are not removing and say the principal balance to reach 78 % is XXXX XXXX, XXXX and when I reach the Principal balance of 78 % on XXXX of this year, XXXX, they will not remove even though I have reached the 78 % LTV one year before and they treat the earlier reaching as early removal and as borrower requested PMI removal at 80 %. I want the PMI to be automatically removed since I reached 78 %. My loan account number with them is XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law