AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In 2013 a have singed off my paper work for withdrawal from XXXX XXXX college in XXXX XXXX XXXX, this was a recommended procedure from carrier services because I have a job offer in a different city, at that moment I was confirmed/ instructed by this school the indicated procedure to avoid any charges, I have financial aid to cover my tuition, I 'm paying on time every month for it. XXXX college have put in collection amounts about my tuition, the information provided to me at that time is completely different today. 

I did contact with the school and I 'm still waiting they contact me back with any information, contacted the collection company the ask me to contact the school. 

1. - I had completed ( on time ) my paper work for withdrawal from the college. 
2. - I had done the procedure the school recommends me to do. 
3. - Amount mentioned do not make any sense, since I only had attended to XXXX chases. 
4. - actually I 'm paying for government financial aid for XXXX dollars. 
5. - Every month ( 3 month ) at school I did a payment for the difference between what the financial aid on my tuition. 
6. - They have in my files all my paper work including my official withdrawal ; I have never stopped attending to School. 
7. - A company is calling me and sending letters about collection from this school, I have asked to dispute the amount but they say I had 1 month to do it, this company called my about 2 years and 1/2 after and they stated they do n't have nothing to do If I ca n't dispute this case because the time is expired. 

Company response: Company chooses not to provide a public response
Consumer complaint: Back in XX/XX/XXXX 2015 I XXXX and due to being on a collection XXXX ended up going to XXXX. There I did give my information ( medicare ) and I got my XXXX XXXX XXXX XXXX. The morning after the XXXX had already come off ( shoddy work ) and after a days work I only had XXXX left ( I ended up having to XXXX myself ). Month or two later I get a bill XXXX where they want {$340.00} from me. I promptly respond to the bill asking them to explain. What I got from them was what I am including as an attachment ... .i.e. a very cryptic itemized invoice that explains nothing. It does show the XXXX ripping off medicare for XXXX and me for the rest! I wrote them back telling them thats not going to work. That was the last I heard from XXXX. 
Later I get a letter from RCMC ( collector ) asking for the money. I go through the same process of writing to them and last week I get notified they have added this to my XXXX credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello - I have a mortgage with Wells Fargo. Back in XXXX I met XXXX XXXX from XXXX associates. He said he can help me get a lower rate with my mortgage and lower payments. My expenses went up. Higher car payment and my husband hit a parked car in the ice left his name on the windshield and his insurance went up. In the meantime I told XXXX I had a modification back in XXXX 2014. Little did I know that FHA modification are only every 2 years. XXXX told me that does not matter. I paid him {$1900.00} and wells fargo did take the application back in XXXX but I need a quit claim deed to take my father in law off the income because he is a co-signer. It took sometime and months went by I will still needing the deed the get recorded. With the XXXX here and a case of bed bugs in XXXX hall it took longer that I thought. When I spoke to Wells Fargo they said we could not help me until the 2 years was up. Why did they take application and not tell me so many months went by now I owe {$8000.00} and it will go in foreclosure unless I get that payment. I was scammed by XXXX XXXX and I think because of that Wells Fargo should help me with somekind of assistance because they communicated with him and went along with not telling me it was impossible. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed a judgment with Trans Union. It has been 90 dayssince I disputed this error on my credit. They just ignore me and continue to report this error. I am being denied creditdue to their inaccuracies on my credit. This is not my judgment 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a XXXX credit line and have not been able to pay full amount due each month. I have been paying {$25.00} a month when I can. I looks as if the credit line was sold to Atlantic Credit & Finance , Inc . They are calling my home and cell phone hourly. They call my personal work phone and now they are calling the general number of where I work and harassing other employees after I have left work and insisting that they put me on the phone and they know that I am there, when I am not. This is causing me a lot of trouble at work and risking my job, which if I lose it and will not be able to pay anyone. They are not very nice over the phone and I need this harassment to stop. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a cash payday loan with cash express have been paying until I got in a finical bind, I tried to talk with them to see if they had some kind I payment plan or something I could do to make paying easier they said no and refused to work with me, now they have started harassing me by calling my home demanding money and also come to my home demanding their money and leaving letters on my door when I am not at home is there any way to stop them from coming to my home 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: transfered money to XXXX bank for a car purchase the purchase was fraud i cancelled the transfer the next morning i tried to cancel same day but bank closed but the stop was in i have emails it took almost 1 week for someone to let me know a representative from the bank called me and sent email to bank trying to contact me saying he has my money and tell my bank to contact him to get my money back i only received XXXX XXXX dollars out of my XXXX dollars .i tried to contact the investigator from santander bank XXXX XXXX XXXX XXXX and she says she can not contact XXXX from XXXX bankXXXX XXXX XXXX to resolve this matter my case number is XXXX i really need some help to resolve this matter 

Company response: Company chooses not to provide a public response
Consumer complaint: This acct is reflecting as in Dispute on my credit bureau, which I have never disputed. I need to have this dispute removed immediately. I attempted to call ASC and spoke with XXXX XXXX XXXX XXXX on XXXX/XXXX/15 @ XXXX who advised due to the age of my account no one could assist me over the phone. It is unfair that they have purged my account and no one could help. All he could advise was I needed to write in to have this taken care of, I do n't have the time to wait for them to correct their mistake. This account needs to updated according to the Fair Credit Reporting Act as it is NOT in dispute, nor has a dispute even been initiated by me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America has changed a {$12.00} maintenance fee for my savings account several times. Each time I have called, I have gotten a different reason as to why my account is charged. Each time, I have followed their instructions to avoid the fee in the future. This time, they were " unable '' to refund my {$12.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: So, this is the fourth complaint about USAA. They keep putting adjustments on my account and i have proof. then I write to them and file a dispute that they " lose '' and now they have turned me into collections. so, they lied and said they did n't adjust my account for XXXX. And that i lied about them, so I will upload that credit card adjustment. MONTHS after a dispute was closed they added a {$500.00} charge to my account and though I have told them, they are charging late fees and finance charges over and over and telling me that I owe this money without proof. they adjusted my account for XXXX dollars and it was not a purchase. they are charging late fees and finance charges and have turned me into collections. they are saying they gave me this money and I have asked for proof. When I asked why they put XXXX back on my other card, they instantly lied and said they did n't do it. I am attaching both adjustments. The XXXX was removed. They XXXX was not. They keep lying about it. I want proof of why they keep adding money to my card which is not purchases and i do not owe MONTHS after a dispute is closed. Please help me, I have filed over XXXX disputes with the company that they claim to lose. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There are XXXX credit cards on my credit. That are n't mine. I had XXXX XXXX visa card and that one was paid off and closed by me. 

Company response: Company chooses not to provide a public response
Consumer complaint: With great frustration, this is the third time I am writingregarding " the same issue. '' As of this writing, it has neverbeen corrected. 

The bank ( Bank of the West ) has always responded, butnever addressing the issue seeking resolution. Thus giving '' the appearance '' of complying, but never doing so. Never. 

The issue - the banks reporting of Late Payments to thecredit bureaus on the months of - XXXX 2015 & XX/XX/2015 ( attached ) As you can see, per the banks own payment ledger ( attached ), there was never a missed payment as they have reported to thecredit bureaus. Never. Yet for those two months, they havereported lates. 

Their errors have caused me great harm. 

Please do whatever is needed to hold the Bank of the Westaccountable. Their one sided, cavalier approach is un-acceptable. 

Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Best Buy MasterCard has always been configured to automatically make payments from my bank account. I have never been late on payments. XX/XX/XXXX, an annual fee was added to my previously current account balance. However, the automatic payment system did not act in its usual fashion, so the account became past due for several months. As a result, over {$100.00} in late fees have been charged to my account due to the automatic payment system failing to function as expected. What is much more concerning, however, is that this has caused a severe delinquency ( past due 60 days ) to appear on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a second mortgage loan ending in XXXX with Wells Fargo Bank , N.A . ( WF ). I received a letter ( attached ) on XXXX XXXX, 2015 regarding this ( in my feeling XXXX preditory loan. The letter stated " During a recent review, we ( WF ) noticed there was an error in the " Year to Date '' summary section on your billing statement. '' The letter goes on to state there is no action required by me ; however no where in the letter does Wells Fargo explain exactly what the " mistake '' was, when it occurred, the amount, etc. They state that prior to XXXX XXXX, 2015 the year to date amounts paid in " Other Charges and Fees '' and " Insurance and/or Taxes. '' There is no explanation as to what " Other Charges and Fees '' or " Insurance and/or Taxes '' are? WF does not pay any funds for insurance or taxes related to my account that is handled by the first mortgage company. They have ignored my requests in the past to give a full explanation of what " Other Charges and Fees '' are? They seem to just put whatever charges on the account and expect me not to question them when they know they are wrong. Is it legal for WF to just put charges on my account without any explanation or site insurance and taxes for the account that they are not involved with nor do they pay? In the past when I have sent correspondence to WF requesting information they have ignored my letters. I am sending the correspondence from them and my response asking for additional information in the hope that they will respond and provide me what I asked. 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited a check and Wells Fargo completely cleared my check and failed to tell me that the person who gave me the check was no good ... until 4 months later ... XXXX And expected me to pay the full balance back .... 

Company response: Company chooses not to provide a public response
Consumer complaint: I am XXXX here in KS ... was curious about this ( 'Home Advisor ' ) contr. job referral service so I started to go thru their 'registration-process ' they termed it ) gave them personal info and ( banking info ) BUT never got to terms ' to finalize this because the AMOUNTS of these services were not finalized ... next thing ( on a Sat. ) they had already DEBITED my checking acct. for {$360.00}. ( actual XXXX plus added fees now ) I tried in vain ... to contact them about resolving this dispute BUT they informed me it was " out of their hands & turned over to a collect. agcy. ) 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian.com compromised my credit score with another member. 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed that MRS BPO LLC., is appearing my XXXX and XXXX credit files. I am disputing the validity of this alleged debt, for the following reasons : 1 ) The debt does not belong to me ; 2 ) MRS BPO LLC., has not sent me any documentation which links me to this account and they have not submitted their validation and position to collect on any such account, they have not produced any documentation of any signed agreement ( s ), which would also suggest this alleged account belongs to me! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had the same cell phone number that I do not give out for more than 10 years. I have no idea how they got this number. They are asking for XXXX XXXX - I have no clue who she is. When I asked them to remove my name and number and told them if they do not I will report them the attendant was very rude and told me " that was not necessary. '' Seriously? I do n't owe you money, you should n't be calling me at all and it is very necessary. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: this debt is over seven years old since it was delinquent. It needs to be removed from my file 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank states that I requested a permanent stop payment on XXXX. In 2013, I requested a one time stop payment for XXXX because I did n't want my account to overdraft. Because of this, my account with XXXX has been closed due to no payments. Every single time since 2013 that I have called Citibank, they did not disclose this information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid my loan in full in XX/XX/XXXX with loan depot.I have not recieved my ecrow balance back and I noticed today that they took out for my pmi imsurance when I no longer have a loan with them.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: credit card company trusted me enough allow my account to go over limit then they turned around and increased my Bill by XXXX fold without notice. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a call requesting my ss # and birthday for a debt which I know nothing about. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was sent an e-mail about applying for a loan and decided to call the number because I need a personal loan at the moment to help with some medical expenses. The loan officer told me that they would need my account information to deposit the loan for me. First, they had me do this cross verification process where they would deposit money into my bank account and then have me go to XXXX to send a money gram of the amount of money they had deposited in my account. They made a total of XXXX mobile deposits into my account, and I made the XXXX transactions requested of me by the loan officer in order to obtain the loan. Today, he had asked me to do XXXX final transaction in order to receive the {$5000.00} dollar loan, however, the transaction did not go through today because I now have a negative checking account balance of {$2900.00} dollars. The bank says because I gave the loan officer my account information and made the transactions, that I am now responsible to pay the negative account balance of {$2900.00} dollars. The bank had no process to report this scam I have been tricked into. I reported the scam to www.ftc.gov and they are supposed to be investigating my report. I feel that I should not be responsible for pay XXXX XXXX XXXX XXXX the negative account balance of {$2900.00} dollars because I was not the person who made the deposits into my account. The loan officer said that someone from the his accounting department would deposit the {$5000.00} dollar loan into my account once I had completed all of the transactions requested. 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt collector, XXXX XXXX XXXX XXXX is reporting the incorrect date of first delinquency and re-aging the account adding an additional year. Transunion refuses to correct the date as they state they are not responsible for what is reported and they are not authorized to correct errors. 

Company response: Company chooses not to provide a public response
Consumer complaint: Gate stone collection agency is contact a neighbor in a mobile home park where I live, asking invasive questions about me and stating they are calling regarding a debt. In addition calling my ex wife as well as my ex sister in law. 

Company response: Company chooses not to provide a public response
Consumer complaint: On or about XXXX of 2015, I started to receive request for payments to which I disputed based upon claims of stolen ID THEFT.However, XXXX XXXX XXXX ATLANTIC CRED continued attempt to collect a debt that I do not owe. I personally contacted ATLANTIC CRED and disputed the validity of the debt. I personally requested that ATLANTIC CRED to perfect security interest and VALIDATE the DEBT by providing me with " Certified BILATERAL CONTRACT " obligating me to this debt with the " ORIGINAL CREDITOR '' NAME ; ADDRESS and unpaid invoices under FDCA. To this date, ATLANTIC CRED has failed to be in compliance of FDCA, thus, unilaterally without just cause continued to violate my civil rights causing and preventing me from securing good paying job, adequate housing and/or obtaining new credits. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian will not allow me to use their online services to temporary lift my security freeze. I wrote them, but they did not respond. Experian is forcing me to send my personal information threw the mail risking the theft of mu social security number, security freeze password and my date of birth. They do not provide a means to talk to a real person and they do not respond to written requests and questions. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX, on my way home from work, I had stopped by a XXXX to withdraw {$20.00} from the atm on that site, and to make a purchase as well. When I got home, I had checked my account balance and had noticed that {$450.00} was missing from my checking account. Following procedures, I called Bank of America to notify them of fraudulent activity, and that money had gone missing. My account was put on a hold until I had obtain a temporary card, and the {$450.00} was credited back to my account. On XX/XX/XXXX, i went to make a purchase at a local gas station, and my card was being decline. I checked my account to find the reason why, and noticed that Bank of America had taken back the {$450.00}. When i called the bank to question as to why that money was taken, I was told that because I had used the atm at that particular store in the past, that they couldnt find any fraudulent activity, and/or that some one had prior knowledge of my account information and was able to make that withdraw. I argued the fact that I had not made that withdraw, for the amount said, nor did I authorize that transaction to be made. As far as I am concerned there is or was fraudulent activity made against my account. I even went as far to have my claim resubmitted to Bank of America- and again, my claim was denied, with Bank of America claiming that they found nothing that seemed fraudulent. 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited a check from my old company 's benefits program for XXXX at Bank Of America on XXXX XXXX, 2015 to find out that the receipt says : Available Now : $ XXXXAvailable Balance : $ XXXXHold notice has been placed on your depositTotal amount delayed $ XXXXFunds Availability on XXXX XXXX, 2015 by XXXXReason : A hold was placed on your deposit because the account had multiple overdrafts inthe last six months. 
I can not AFFORD to wait another 11 days, because I have been out of work all year, and my bills are BEYOND being backed up now.I am almost homeless. 
CAN I WITHDRAW this money and just go somewhere else? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a personal loan with XXXX XXXX, which I am couple of months behind on right now. I am going through a financial hardship I already talked to them on the phone about a week ago and tried to workout some type of hardship payment plan, where I would pay the interest only on the payment. They said they do n't do that. I told them not to call my work, I ca n't take personal calls at work. Which XXXX from Mariner Finance from phone number XXXX called my work today ( XXXX/XXXX/2015 ) at XXXX am talked to my Manager to verify employment and asked for my company 's address to submit a wage garnishment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a payment of {$800.00} on XXXX/XXXX/15. The bank processed this transaction, and it was officially pending on my account. On XXXX/XXXX/15, the transaction for XXXX/XXXX/015 has completely disappeared from my online statement. I call BB & T to see what happened to the payment and the representative informed me that the transaction had been cancelled by the debtor and she proceeded to tell me that this transaction would not be posting to my account because it had been cancelled. I had some other bills due since this transaction had been cancelled I thought I would put this payment off XXXX. I went ahead and paid XXXX other bills and was not concerned about being overdrafted since it was evident that transaction for {$800.00} had not been processed and had been cancelled according to the BB & T representative. On XXXX/XXXX/15 the transaction of {$800.00} had been posted to my account even though I had not been told that there was no way this transaction could post. Now I have XXXX other ACH items out at the moment and once they post my account will completely overdraft. I called a BBT representative again to only be told that there is nothing that they can do. 

Company response: Company chooses not to provide a public response