AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I got cable TV and internet services From XXXX about a year ago. We verbally agreed on the monthly bills which included the severvices and the rental of modem. They told me that the bill will never change. I set up automatic payments from my account. I hardly even looked at the bills, In XX/XX/XXXX, the bill was raised from {$77.00} to {$93.00} with no notification or reasons given. I did not complain then a few weeks ago I got a mail from XXXX dated XXXX XXXX 2015, they wrote that they have not been billing me for modem rental and so my bill will go up by {$10.00} plus applicable fees and taxes. Few days later I got a mail from Enhanced Recovery Company , LLC dated XXXX XXXX 2015, claiming that my balance with XXXX remains umpaid and my account has been place with them to recover the sum of {$970.00}. Nothing was written as to what that amount was for. I have received no bill from XXXX for anything in this amount. all my bills were autopaid untill I deactivated my autopay on XXXX XXXX 2015 because I intend to stop the service and get internet from another provider. I called XXXX and told them about my intentions on the same day. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On XXXX I acquired an auto loan from First Investors XXXX XXXX, GA. The loan was for 72 months. The loan should have been paid on XXXX. I contacted First Investors on XXXX and asked about the pay-off on the loan. I was shocked when they told me that I still owed {$9000.00} on the loan! They claimed it was for deferred payments and late fees. So I paid and another year later I still owe {$8000.00}. on this vehicle and if I do n't pay it they will repossess it. I can not even trade the car in because there is so much negative equity on the vehicle that a car dealership/bank wo n't touch it. XXXX car dealership told me the car is only worth {$1500.00}. I 'm at my wits end. I ca n't get anyone at First Investors to return my phone calls. I really need some professional advice. The last time I actually spoke with a person from First Investors, I told the person that I was contacting the CFPB and they just laughed at me. I just feel so overwhelmed. Thank you for any advice you may forward to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: When the lease on my Jeep Liberty expired I turned-in the vehicle to XXXX XXXX XXXX in XXXX, RI. The vehicle was inspected by the salesman, XXXX, and it was found to be undamaged. About five days later, the vehicle was moved to another location and inspected by an Ally Financial ( financiers of the lease ) representative who found scratches and gouges on the vehicle that were not there when I turned-in the vehicle to XXXX XXXX XXXX. The salesman, XXXX, called Ally and disputed their findings. Ally called me this morning and said that are not going to wave the {$350.00} they are demanding and are threatening me with adverse action to my credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: I HAVE SUBMITTED PROOF THAT A JUDGMENT AND A XXXX ACCOUNT APPEARING ON MY REPORT IS BEING REPORT INCORRECTLY AND AS OF TODAY THEY STILL SHOWING. HELP ME REMOVE THESE ACCOUNTS THANK YOU XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: My XXXX-year-old daughter 's debit card was used fraudulently beginning on XXXX XXXX, 2015. 
While the bank - Wells Fargo - stopped all subsequent debit card charges that day to taxis, additional subsequent fraudulent charges were permitted by Wells Fargo to a number of fast food outlets and discount grocery stores. As soon as the funds on the debit card were depleted, Wells Fargo withdrew a total of {$270.00} and XXXX {$12.00} overdraft fines from my daughter 's savings account. The fraudulent charges at locations ( XXXX and XXXX ) and businesses ( fast food chains and discount grocery stores ) were inconsistent with my daughter 's spending patterns. We live in XXXX. 

I became aware of the fraudulent charges on XXXX XXXX when I uploaded transactions on XXXX, discovered the fraudulent charges and contacted Wells Fargo to shut down the card. Wells Fargo promptly refunded the full amount of fraudulent charges and bank fees. However, my specific complaint is that the bank 's fraud detection system identified and stopped fraudulent charges on XXXX XXXX but even two days later the bank neglected to : ( 1 ) alert my daughter that her card was being used fraudulently ; ( 2 ) stop subsequent fraudulent charges ; ( 3 ) stop overdraft fines ; and ( 4 ) stop fraudulent withdrawals of funds from her savings account to cover fraudulent overdrafts. Additionally, no one at the bank was willing or able to provide contact information for the consumer protection complaint I wished to file with government regulatory agencies, which again seems highly unprofessional and inconsistent with the intent of federal consumer protection law. 

Failure to notify us and also to stop fraudulent charges after an initial instance of fraud is well below the standard of practice for credit card companies. I believe that fraud prevention systems and practices should be even more responsive for debit cards given that the funds are immediately withdrawn from accounts. I am submitting this complaint because I believe Wells Fargo has an obligation to improve its fraud detection systems and staffing so that consumers receive same-day notice of suspect debit card fraud. Additionally, I believe that all banks ( not just Wells Fargo ) should be obligated to provide ( upon request ) accurate and timely information about government agencies established for consumer protection and to receive consumer complaints. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am currently sick, receiving only a percentage of my salary through a XXXX policy. Because of my illness and lack of funds, my checking account became overdrawn. Santander bank has charged me XXXX overdraft fees in the amount of {$35.00} each, for a total of {$350.00}. I called Santander bank and they agreed to remove only XXXX of the XXXX overdraft fees. This is an outrageous punt of money and it is discriminatory and predatory against someone with a XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I ordered a credit report from Experian on XXXX XXXX. The report number is XXXX. 

On my credit report XXXX shows a status : " Refinanced, closed/Never late. Balloon payment of {$57000.00} due XX/XX/XXXX. '' I called and spoke to " XXXX in XXXX XXXX '' ( that 's all the identification he would give me ) who told me that I should n't worry about this. It will just drop off my report XX/XX/XXXX. He agreed that since my status states " closed/never late '' there could n't be a balloon payment due. So I told him that the law requires Experian to remove any incorrect data from my credit report and that 's what I want them to do. He kept reading me my report - the statement above - and would n't agree to have the false information removed. 

I am asking that the CFPB require Experian to comply with the law and clean up my credit report. 

Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: SUBMITTED PROOF THAT THE XXXX XXXX ACCOUNT APPEARING ON MY CREDIT REPORT IS NOT MINE AND MUST BE REMOVED. 

Company response: Company chooses not to provide a public response
Consumer complaint: Account : XXXX XXXX XXXX account number # XXXX was transferred to XXXX XXXX XXXX after the bank failed and closed. XXXX XXXX XXXX, is no longer in business, however, XXXX XXXX XXXX keeps reporting this account even though the account clearly shows account closed/transferred. This type of double reporting has caused my credit score to nose dive, and I am NOT able to get any form of credit. I have tried to have Experian, correct and deleted all entries to this account. They have refused. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought a car from DriveTime on XX/XX/XXXX & have made every payment on-time since then. As of this date, XX/XX/XXXX, I have no record of these payments being reported on any of the XXXX main credit bureaus. One of the main selling points of DriveTime is they help you rebuild your credit & included in my closing paperwork is what is entitled Credit Reporting Notice which clearly states that they will report this account 's activity to all XXXX credit bureaus & my account number is claerly visable in the top right hand corner of the page. I have spent months calling the DriveTime Financing office to only get the run around ... one excuse after another I 've heard ... & even spoke with supervisors who seemed to really be on the matter after they reassured me that my credit would be reporting soon I backed off ... .only to discover that nothing has changed! As of this date XX/XX/XXXX I have made XXXX consecutive on-time payments to DriveTime wich is Not reflected on any of the XXXX major credit bureaus ... .as a matter of fact their is no record of my even having an account with DriveTime. For the record, my account number is XXXX. I will include supporting documents in this communication. Thanks for your assistance! 

Company response: Company chooses not to provide a public response
Consumer complaint: This was paid in full at the settlement amount listed, to the collection agency. The {$110.00} was promised to be cleared from the account because it was an error in billing. They did not clear it as promised and need to. This account is a {$0.00} balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed this account # XXXX from stellar recovery does not belong to me and was opened fraudulently 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have XXXX different debts on my credit report that come from credit cards that are not my accounts. These accounts are owned by my employer. I have extension cards on these accounts issued by my employer for my work with them but these accounts are not my responsibility. 

Company response: Company chooses not to provide a public response
Consumer complaint: I met with my XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) a few years ago and had her pull up every delinquent account I had at that time on my credit report. We then made a loan with the credit union and paid off all my bad accounts. Now XXXX XXXX is showing XXXX delinquent accounts through Transunion. The creditor names say Collector. XXXX is for {$68.00} the other {$67.00}. I have no idea who these Collectors are? If they have a legitimate claim. Please send me the account info and contact info for the Collectors and I will pay them off. Thank you. 
XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Security National Automotive Acceptance CompanyI was a XXXX in the XXXX XXXX and got behind on a car payment do to a divorce. I was attempting to contact this company to fix it when they began to call and threaten me over the phone to include contacting my commanding officers. I let them take back the car becouse I no longer wanted to deal with them. They still started going after me for the full amount of the cars worth even after they sold it. I went to court against them and the judge agreed that I did not have to pay the full amount and took about XXXX off what they were trying to get from me. I was paying them back XXXX dollars a month until I got a honorable discharge from the XXXX and they put XXXX owed in collections on my credit report. I ended Up fighting them with XXXX and they took everything off my report. Years later about XXXX they have started calling and harassing me again and have placed the amount of XXXX back on to my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: At XX/XX/XXXX, I had a buyer for our RV and because Bank of America failed to keep track of the title, I lost the sale despite the willingness of the potential buyers to wait over three week. Bank of America continues to have me as a loan customer, the buyers are on their way to XXXX and I have no recourse for a set of errors that are still unresolved. Because I lost the sale, I continue to pay approximately {$500.00} per month for the loan payment, insurance, rental space at a sales lot and printing brochures. The later into the summer, the less likely to find a buyer especially at the price that was agreed to in XXXX. 

Bank of America said that they would make every effort to obtain a replacement title for the RV but when I checked with NC DMV they indicated to me on XXXX XXXX that there was no additional requests for a replacement title. The only request was in XXXX 2015 which was the first time Bank of America indicated to me that they could not locate the title. That first replacement title was mailed to Bank of America in XXXX, XXXX where it was later sent to their repository in XXXX. XXXX DMV said that this second request for a replacements, even if processed, takes four to six weeks to complete. 

Key errors were first the lack of awareness two years ago on the part of Bank of America that they had never received the XXXX title for the RV. NC DMV said that it was returned to DMV. Second, when this was discovered and Bank of America had the replacement title in XXXX, the sending of that title to XXXX resulted in the loss of the title. 

Because a title was still not in hand, I asked XXXX XXXX XXXX on XXXX XXXX, through a XXXX XXXX XXXX a Customer Advocate from Bank America, to please contact the buyers and see if they would still like to complete the deal. They had already waited over three weeks and I had nothing I could say to encourage them to stay and complete this deal. XXXX XXXX called them and was told that evening that they could not wait any longer and that they had purchased a different RV. This was the evening of XXXX XXXX. XXXX XXXX called me and notified me that the sellers had purchased a different RV. That was over three weeks from the day the buyers agreed to buy my RV. My sale was lost. 

As of XXXX XXXX, 2015, there is no word of Bank of America obtaining a replacement title for my RV. I have no subsequent offers to buy my RV. I am continuing to make monthly payments to Bank of America by direct payment, also continuing to pay insurance and monthly rent of a space for displaying the RV at a local used vehicle sales lot. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX of 2015 I ask that a dispute get started for something that showed up on my credit report. After the XXXX days was up on the investigation I sent another letter telling them to remove the item because they did not complete the investigation. I have not heard anything from the yet and it has been months since I first asked them to start the investigation. On XXXX XXXX they wrote a letter and sent it to me stating that " Suspicious requests are reviewed by experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. We will not be initiating any disputes based on the suspicious correspondence. Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information. 
If you believe that information in your personal credit report is inaccurate or incomplete, please call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. " This is not following the guidelines but even if it were, I went on the internet and people say to send more ID showing you are who you are. So that is what I did. A SS Card, ( 2 ) state ID 's and a military ID. They will not respond to any of my request. This debt like many others that they refuse to investigate is n't my debt and I am paying the price with a bad credit score because of someones mistakes. 

Company response: Company chooses not to provide a public response
Consumer complaint: I found 2 addresses on my credit karma report where I 've never lived. I have had my XXXX / ATM card used fraduantly in the past. I got a new card back then, and did not think there were any further problems until today until I click on my credit information. I 'm not well versed in this. And will have to seek help to resolve this. As 1 address is in a state I 've never even visited.. 

Company response: Company chooses not to provide a public response
Consumer complaint: My account was paid and included XX/XX/XXXX Chapter XXXX, discharged on XX/XX/XXXX. Bank of American are billing a deceptive amount. The monies paid were reversed and added back into the loan making the loan more than what the Heloc 's original amount. Debt was paid in chapter XXXX and settled with debtor. Bank of America has reported to all credit reporting agencies during the period that of the chapter XXXX bankruptcy. They attempted to collect on the debt during the XXXX year chapter XXXX bankruptcy period. I attempted in good faith to work with bank of America and each time, they became more aggressive with billing statements with deceptive information and false claim of amount owed. They have reported to credit agency false misleading information that I have disputed. They have mailed false billing statements. They have reported missed payments and late paying to the credit bureau. I filed with XXXX and someone sent a mean nasty message regarding filing with XXXX and stated that this would be handled with CFPB and it has not been resolved to this day. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX SKIP TRACED AND ILLEGALLY RAN BACKGROUND ON MY WIFE FOR ALLY FINANCIAL TO WHOM WAS PAID OFF XX/XX/2015 AND KEPT HARASSMENT UP FOR DAYS AFTERWARD VIA CALLING MY CELL NUMBER XXXX IN VIOLATION OF T.C..P.A AND FDCPA AND FCRA NON VALIDATION OF DEBT ETC..SENT, THE NUMBER ASKED TO CALL WAS XXXX FOR CASE NO XXXX, NOTICE NO DATE XXXX
Company response: Company chooses not to provide a public response
Consumer complaint: We have been behind on our Home Equity Loan with SunTrust. We have been working with them on the XXXX mortgage as well as the home equity loan, but despite all the hoops we have jumped through for them, they have turned us down for a loan modification. Funny thing is that after they turn us down, they send us a packet saying they want to help us!!!! Now, we have finally found a way to get caught up on our XXXX mortgage, and I called the same bank -- Suntrust -- to get caught up on our home equity loan and they informed us they have charged off the loan because we are five days late. WHAT???? Yet, they accepted a {$300.00} payment last month ( XXXX ), a {$500.00} payment just went out, and I am holding in my hand a bill from them saying our due date is XXXX XXXX. How on earth can a bank charge off a home equity loan without sending out some sort of certified mail notification? I am shocked and disgusted by SunTrust. We have been battling with them for over a year over payments they have returned, causing us to be late ( we have proof from our bank but they wo n't admit they returned the money ) -- we finally caught up and now they are trying to charge off our XXXX when we have been sending money every month and are now literally sitting on the phone trying to get caught up. They are a joke and the whole idea of " let us work with you and help you keep your home '' is a fraud. I hope the CFPB can help us to hold them accountable for either their stupidity and incompetence or downright inhuman treatment of hardworking people trying to do the right thing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested for HARP two years back in XX/XX/2013 that time my home appraisal came for around $XXXX and i got HARP refinance. Almost 15 months back i requested for PMI removal but my bank Wells Fargo denied after doing and appraisal my my LTV was less than 80% which makes me eligible. Wells fargo bank wants me to pay them around $XXXX to get rid of $XXXX PMI. I contact XXXX who is backing my loan, they said Wells Fargo will do remove PMI as they are my servicer but Wells Fargo simply denied. Fannie Mae rep say according to my LTV i am eligible to remove PMI but Wells Fargo reps are very stubborn while they are only servicer. Please help me to remove my PMI.
Company response: Company chooses not to provide a public response
Consumer complaint: I had extremely filed extra charging complaint against Bank of America, so I do not appreciated that I had lost money cause of erosion funds what I used expenses.  I do not happy with Bank of America,  Bank of America made me lot of lost money XXXX that why they never refund money to XXXX so they are not honest as I am not interest in female staff handles this case.   

Bank of America used lot of denial my credit card application as they do not like me with my appearances, that I had been notified to Speaker XXXX completion..
Company response: Company chooses not to provide a public response
Consumer complaint: This company was reporting a debt on my credit report that was not familiar to me. After seeking legal council I was advised to exercise my right to request validation of the account pursuant to the Fair Debt Collection Practices
Act. In correspondence dated XX/XX/2015, the company received my demand for validation. This company simply ignored my request and did not bother to respond to me, concurrently they verified the account with the credit bureau following my dispute with the credit bureau.
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo Home Mortgage has refused to directly address my loan concerns. Listed below are my concerns. 
1.Wells Fargo has sent me several Pick A Pay Loan Disclosures for loan # XXXX XXXX XXXX and each one has a different hand print and different dates and different address stated for the same disclosures. I never signed the Pick A Pay Loan Disclosure more then once. This is fraud that needs to be addressed. 
2. I am requesting if Wells Fargo Home Mortgage will accept a Affidavit for Forgery Signature from a Handwriting Exert. ( Please do not skip this question ) 3. I can supply to Wells Fargo Home Mortgage a Certified Affidavit by the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX. 
4.I am requesting Wells Fargo Home Mortgage also to do their own investigation because I never signed the Pick A Pay loan Disclosure XXXX on XXXX different dates. XXXX of those dates was impossible for me to sign on. 
5. I am requesting Wells Fargo Home Mortgage to use a handwriting and forgery document analysis for the Pick A Pay Loan. 
6. On the document Wells Fargo Home Mortgage sent called the " Note " dated XXXX XXXX, 2004. On this Note Document I do n't understand what the address of : XXXX XXXX XXXX, XXXX, CA. XXXX has to do with the Note that is supposed to be for address : XXXX XXXX XXXX XXXX. 
7. Will directly a Loan Modification application to : XXXX XXXX XXXX XXXX XXXX XXXX, CA.XXXX. 
8. Will you state what loan modifications or equity loans I am eligible for without submitting a new loan application. 

XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent copies of documentation that I have had the same STUDENT LOAN since 1990. It 's just that my student loan has been bought by other Banks and Consolidated. 

I am requesting that my loan be registered of having the LOAN since 1990 from its original date that is started since its still the same loan just being bought out and merged. 

Company response: Company chooses not to provide a public response