AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I went to call my bank account information today at wells fargo XXXX/XXXX/2015 and they told me my account is closed. My local branch here in XXXX told me I had to open a new one now after a month of it being open it is now closed. I did n't receive anything in the mail I was kept in the dark. My original account was never closed like this until it was hacked into wells fargo told me, I do not appreciate being done like this and I need my social security money and now I will not be able to get it. I know the people who is behindthe wrongful closure of my complaint the XXXX manager XXXX and XXXX XXXX who falsely accused me of harassment. I will be suing wells fargo for the emotional distress they are causing me. Well why did n't they close my first account and now that I open a new one they close it out of the blue. There was no need for them to close my account after they told me to open a new one. I 'm glad I called about it before I purchased something or I would had been embarrassed. This is treating the consumer unfair and unjust. But I know what is really going on and who is behind this dirty deed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received my credit reports from the XXXX major agencies and on XXXX of them there are XXXX tickets totaling {$650.00} both issued in XX/XX/XXXX. I have never received any tickets during that time that I did not pay and I requested proof that they belonged to my car. The XXXX XXXX XXXX sent me XXXX pictures showing a car that was not mines. I wrote them and stated that I own a XXXX XXXX XXXX with the license plate number and requested that they remove this from my credit. They responded that the car in question was registered to me. I have never registered another car in my name other than the XXXX XXXX. They have refused to remove this from my credit and refuse to investigate the matter as they turned it over to a collection agency. 
The collection agency will not remove it because the originator refuses to correct the error on their end. 
This has to be illegal. No one is willing to prove that I do not own such a car and have never owned said car. 

Company response: Company chooses not to provide a public response
Consumer complaint: I lost my bank account card one day, and did n't know I did for a few days. I then saw my account was going in to negatives that I did n't know about I then reported to the bank that I lost my card. And when that happened I asked that my account be closed. The issue is I tried to open another bank account recently and was told that there is some issues going on with my account with fraud that I had no part in. I believe someone found my card and hacked into it and used it for illegal purposes. Please help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a prepaid MasterCard and when I went to use the card, it was declined. I called the number on the card and was asked to fax my receipt in and a new card would be issued. It has been 3 months and several phone calls later and still have n't received the new card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from Sunrise Credit Services , Inc in XXXX, NY notifying us that we have a balance due of {$32.00} for XXXX XXXX. After thinking about it, I realized that yes I did receive the magazine but it was always paid for in advance and that I should n't owe any money. I called Sunrise Credit this morning to inquire about this and to determine when it was due. I was told there was nothing due but they worked for XXXX XXXX in order to renew my subscription. I asked them if I owed any money and all she said is do you want to renew. I said 'no ' and she told me to have a nice day and quickly hung up. This is an extremely unfair way to convince people to renew magazine subscriptions and upset me thinking I had a debt that went to a collection agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a derogatory mark from the state of Oregon child support division. I paid the account arrears and they were supposed to fix all this. The reporting is inconsistent and unfair.The dates logged on my report are not consistent with the previous reporting practices. I was retaliated on from an employee that made her personal problems mine. I then dealt with a different case worker. 

Company response: Company chooses not to provide a public response
Consumer complaint: About a week ago I received what I thought was a letter intended for me from Rash-Curtis & Associates. While my son and I share the same name, he is just XXXX and graduated from high school XX/XX/XXXX and therefore does not yet receive business mail. Upon realizing it was a collection letter related to medical treatment my son received when he was between 16-17 years old, I called to discuss the matter only to be told that the letter was not intended for me, but rather my now XXXX year old son, who they insisted, despite my refutations, is XXXX years. He is not. He was born XX/XX/XXXX. Nevertheless, it seems to me that his current age is irrelevant since he was a legal minor when the services were delivered and his mother and I signed all documents and it was my wife 's Insurance that paid the bulk of the bill. In fact, since he was a minor, he did not even have a choice in the matter. His mother and I made all decisions and told him what would occur - like most parents in similar situations. It simply can not be true that he is now personally responsible for the cost of the services. A representative from Rash-Curtis insisted that my son is personally responsible for the medical expenses and threatened to make a negative reporting to my sons not yet established credit file. Rash-Curtis & Associates is calling me on my private business line in my residence every 3-4 hours. When I spoke to them, I explained that the reason they have the number they are using to contact me is because I provided it to the hospital during the document signing process related to my sons medical treatment. They insisted that it is the number my son provided and that my signature on the documents is really my son 's signature which is ridiculous. They insist on speaking with my son and pursuing him for a debt incurred by his mother and I. We are not denying that we owe the debt and we intend to pay it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The XXXX XXXX XXXX XXXX agency is calling me numerous times a day at both my personal mobile number and my workplace. They are calling regarding account # : XXXX, regarding a claimed student loan debt. I received phone calls after I explicitly stated my workplace prohibits me from receiving such communications. I am receiving daily calls, and as of the last XXXX days, I am receiving XXXX calls a day, some with messages left. I called them back today at their number XXXX and explained I am now within my rights to file a complaint with the Texas Attorney 's General 's office, file a complaint with the Federal Trade Commission pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ), and that I intend to send a Notice to Cease Communications Letter today to their address : XXXX XXXX XXXX XXXX. XXXX, CA XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I XX/XX/XXXX I applied for a refi. for my home through US Bank in XXXX XXXX, MO. Despite a XXXX credit score at the time and having purchased the home in XX/XX/XXXX and received financing from another bank, the process took 4 months! During the process I was asked repeatedly to provide the same tax information ; including a visit to a local IRS office, with a 2 hour wait, using instructions from the bank, only to be told the information obtained was unacceptable to US Bank. The process did not conclude until XXXX. I feel I was discriminated against due to my being XXXX XXXX, it is hard to imagine the loaon process for all their customers would be so long and punitive. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am attempting to increase my credit line on a credit card from Citi. Citi representatives tell me that XXXX is telling them I have a security freeze. In order to get control of this, I actually placed a security freeze so that XXXX would mail me a PIN. I got the PIN, then paid Experian to remove the freeze ( {$5.00} ). Several hours later, I attempted to remove the freeze again, but XXXX told me no freeze was in place. ( See screenshot document, attached. ) On calling Citi again, they again told me there is a freeze in place. This time, however, they said the freeze is in place due to " state legislation ''. I can find no reference to any security freeze that would be in place due to any legislation. I have no outstanding debt or litigation against me. So apparently there is a security freeze on my report, which is NOT requested by me, and which I can not remove, due to some unknown legislation. Can you help? 

Company response: Company chooses not to provide a public response
Consumer complaint: I am trying to set up a payment arrangement with Flagship Credit Acceptance regarding my car loan. I informed them that I only get paid on the XXXX of every month and was informed that I could change my due date but they would not do so. Also, my house was in the process of foreclosure so I had to resolve that issue which I did before I could move forward with paying my car loan. The representative threatened me and asked where the vehicle was so they can come to my house and take it since I 'm not responsible. The representative hung up every time I tried calling her back and sent me threatening e-mails as well. I am able to pay the full balance on XXXX XXXX to resolve this matter but no one is calling me back. 

Company response: Company chooses not to provide a public response
Consumer complaint: someone stole my identity and got a phone and its un fair this not me and i never had a phone with this company and i want it off my credit now, please removed this out my name.its a shame someone out here using my name. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: this wasnt me 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I paid a bill to XXXX XXXX XXXX on- line for XXXX. They continue to bill me this amount. I called them, because I could view that the total had cleared my bank.When i called XXXX, they claimed it went to pay old debt to Chapman Financial Services. I contacted Chapman FS, and asked them to show me that my account was credited this amount, they only used the information I gave them to continue calling me and sending me a new bill for XXXX. No where-in any questions or billings has the amount been-the amount showing on my credit report estimated XXXX??? 
this whole thing seems very fishy on both parts of XXXX XXXX XXXX and Chapman Financial Services 

Company response: Company chooses not to provide a public response
Consumer complaint: Service was being interrupted for 3 months and they didnt know why and they couldnt find why. I was not on contract and was paying for 3 months with no service. I told them to cancel the service and they where supposed to do so and they didnt, 

Company response: Company chooses not to provide a public response
Consumer complaint: I listed my house for short sale due to the banks inability to negotiate a loan mod, that loan mod has been going on for XXXX yrs. ( 2009 ) so as I was mentally exhausted from the ordeal I tried to sell my house via short sale and I feel they delayed the deal due to incompetence and we lost the buyer. They took over XXXX months and still have not accepted or denied the original offer. I thought they had XXXX or XXXX days to conclude the process?? I would like someone to validate their efforts or recognize their inefficacies 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received an unsolicited letter from a local One Main Financial office. Their requirements are not clear/not conspicuous and the letter itself was very misleading. In addition, the letter flat out lied about me having excellent credit when my credit is just fair to average at best. Further, the misleading mail solicitation implied my credit had been reviewed/screened and also implied that to get a personal loan, that all I had to do was bring in the " Pre-selected Certificate. '' I am certain XXXX if not XXXX of other people are being misled by this company 's solicitations and " marketing. " When calling the company prior to applying, they are evasive and refuse to directly answer the question of if there is any credit score they will not accept. They instead repeatedly tell you to apply online or in their office. 

I am very upset that I was misled by this letter, took my time to go to their office where I received poor customer service, they acted as if they were happy to be alone and a bit irritated that a customer had walked in and then declined receiving a hit to my credit score which had just recently been boosted a bit by diligent efforts to improve it. Because I met the basic requirements of income above {$20000.00}, proof of ID and no BK filings and because I had the " Pre-Selected Certificate '' I thought I would be approved. That is truly how easy their misleading solicitation makes it appear. 

As far as their lackluster customer service, the person who " helped '' me then proceeded to collect personal information about me seemingly in an attempt to get me out the door faster, there were no pleasantries or even a pleasant attitude. It truly made me feel as if perhaps she determined that I was not eligible and was just quickly going through the motions even before she had all my information. 

The letter is extremely misleading, even when I called the branch manager listed on the letter she said that they do not view or pull your credit despite having a letter in my hands that referred to my " excellent credit. '' I told both the branch manager and the person who personally took my application that I am very upset that I was misled and that their company is casting a wide net, ensnaring many who they refuse to help and actually harming credit-wise in their misleading attempts to get more business. 

Neither of the XXXX, including the branch manager offer any resolution. The branch manager only said she can take my complaint, that is not resolution and makes me believe this is how this company gets it 's customers ... by misleading a significant number to get a smaller number they truly want. This company needs to have swift action taken against them for misleading people through their unsolicited solicitations and marketing. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX has been working with Bank of America for home retention options. She was advised that one of her options is short sale. She listed her property with a local real estate agent on XX/XX/XXXX and received an offer. Per Bank of America 's instruction, we have been trying to initiate the short sale into their " XXXX '' system to begin review. In our many discussions with Bank of America, they informed us that they are having troubles with initiating this file and opening up the review. This " delay '' has gone on for over two week. Daily, when we speak to Bank of America, they advise that they are having issues with their system and that they will look into it. On XX/XX/XXXX, I was advised by Bank of America that too much time had gone by trying to open the file and that we are now too close to the upcoming foreclosure and that Bank of America will no longer entertain a short sale. 

Bank of America has agreed that the issues and delays were internal but their unwillingness to work with us because " too much time has passed '' is completely contradicting to them admitting that the mistake was on their end. 

It is not fair that XXXX XXXX should have to pay the price because Bank of America can not figure out how to practice their own internal procedures without errors. Their borrower has reached out for assistance and is being denied it for a reason that is not in her control. 

Company response: Company chooses not to provide a public response
Consumer complaint: We received a trial modification plan which we paid. In XXXX, 2015, our trial modification was converted to a permanent modification. We made our Payments in XXXX and XXXX 2015. On XXXX XXXX, 2015, Statebridge sent us a Notice of Intent to Accelerate our loan, claiming that we were behind {$7700.00}. This is simply not correct. We are current on our mortgage per the modification agreement. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This debt collector attempted to collect on a debt that was paid and insisted that their system was up to date and the I still owed on it.. I have a letter from the company stating it has been paid. They refuse to verify with the original owner of the debt and want me to pay the remain balances. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: We were offered 0 % interest convenience checks from Barclays Bank, and used XXXX of them before the expiration. On our next bill we were charged interest on this check, we contacted the bank at least XXXX times by phone and e-mail, sent them all of the requested back up and have not had this matter resolved. At this point we are being charged over {$100.00} interest for this 0 % convenience check, we need relief from this bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of identity theft and someone stole my identity and used my personal information to open up an account with XXXX XXXX for cable and high speed internet service. I do not owe XXXX XXXX a debt of {$120.00}. The account or debt do not belong to me. I have been phone calls repeatedly from XXXX debt collectors who have harassed, verbally abused and threaten me with wage garnishment and arrest if I do not pay the debt. XXXX XXXX is in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX submitted a past due balance for services rendered my rental property ( service address XXXX XXXX XXXX XXXX XXXX XXXX ) to Focus Mamagement Receivables ( debt collection company ). The XXXX XXXX XXXX for the rental property states that services were not routinely rendered and disputed the charges with XXXX. Focus Mamagement Receivables Continued to contact me almost daily after I requested numerous times that they speak with my property management company that was handling the open dispute with XXXX. The company continually told me the amount would hit my credit XX/XX/XXXX if I did not pay. This is illegal as an account in dispute can not be added to credit reports as delinquent payments. I eventually paid the bill to stop the harassing phone calls as to avoid any damage to my credit. I am a military and any damage to my credit could reflect poorly on my security clearance/classification. I spoke with the property Managment company and they were never contacted and did not receive any letter coorspondance as Focus states they would do after each harassing phone call to me. This company is ethically bankrupt. They had no right to continue to harass me and make empty threats that they had no legal authority to follow through on. They lead me to believe that if the corporate level dispute I had with XXXX was not resolved in the next two weeks ( which disputes take months ) they would still damage my credit. Completely misleading me to pay for services that were not rendered. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have a BofA credit card, and did some balance transfers to this card in early XX/XX/XXXX, which included a promotion of something like zero interest for a year or so. Every month since the transfers, there were the interest charge calculations available on my statements so I knew when I had to have certain balances paid off by to avoid interest changes kicking in. Since XX/XX/XXXX, this entire section has been XXXX out ( every month since ) and I 've had to call to verify the amounts to ensure ( for myself ) that I know balances. Its seems to me that leaving these sections blank, anyone could easily overlook what their promotional amount balances are and would easily fall into the trap of interest kicking in. Are n't there laws regarding disclosure on statements that the credit cards should be following?? 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, I had XXXX XXXX Account. I requested the account to be closed after my final payment on or about XX/XX/XXXX. When I pulled my credit report last year, I was shocked to notice that only was the account not closed, but there were XXXX XXXX Accounts listed. Both of these accounts were sent to collections with balances owing. I tried to contact XXXX and they told me that they transferred the accounts to XXXX XXXX and then purged their files. I called XXXX XXXX and they informed me that they did not have any record of these accounts at all. They told me to contact the credit bureaus. With the help of the XXXX the collection companyacknowledged the error and agreed removed all XXXX negative tradelines on my credit reports. XXXX and XXXX removed the items immediately, however Experian still lists the innaccurate information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I apply'ed for a mortgage refinance. I was approved. But nothing was changed on my interest rate and life of the loan. Bank of American. 

Company response: Company chooses not to provide a public response
Consumer complaint: We received XXXX insurance settlement checks in XXXX this year for a claim from storm damage. XXXX check issued for {$10000.00} to XXXX XXXX and Bank of America as payment towards the estimated loss of {$24000.00} for water damage to our basement. A XXXX check was jointly issued to XXXX XXXX and Bank of America for XXXX for the storm roof damage. After several attempts to work with the bank, they are refusing to release the funds unless we have a general contractor fill out a XXXX and received payment for both checks. Bank of America wants to issue XXXX check to XXXX XXXX and a general contractor for {$18000.00}. 
Since the insurance settlement payment was much less than the total loss, we did most of the contracting ourselves and hired individual contractors to do the work. 
The problem being that no one wants to be on the XXXX check as they will be charged taxes on the entire amount even though they are only completing a small portion of the work. 
At this point we are at an impasse with the bank and now the bank is encouraging us to get a construction loan and to forgo the insurance settlement. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased the card for {$4.00} put {$25.00} on it. I then I find out I had to spend {$4.00} to activate this card. This is a bogus card. hidden fees 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Calls me at least XXXX times a day even though I am making monthly payments .And have never gotten written notices or bills. 

Company response: Company chooses not to provide a public response