AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This is a follow-up to Case XXXX concerning Wells Fargo statement that they have not been able to get a hold of XXXX XXXX to discuss correspondence regarding XXXX. 
On XXXX XXXX I spent 2 hours on the phone and explained 5 times about the sale of my home to Wells Fargo and then finally transferred to XXXX. She gave me the fax number XXXX to fax to them final copies of the sale of my home on XXXX/XXXX/XXXX to XXXX XXXX from their lawyers XXXX, XXXX XXXX XXXX XXXX, XXXX Wi XXXX. Registered Mail. A sheet was received stating all XXXX pages and cover sheet was received. It explained the assessed value of {$86000.00} not {$140000.00}. Sale XXXX/XXXX/XXXX while they said abandoned XXXX/XXXX/XXXX to the IRS. It said I owed them {$100.00} while filed papers stated 5 times it was under XXXX allowing them to sell in 3 months and not holding me deficient for any amount. On XXXX XXXX, XXXX I called back and was on the phone over an hour and finally ended up talking to XXXX who constantly tried to get my phone number. I called on a blocked number. I would not give them my phone as they had harassed me 3 to 4 times a day until I had to have my phone removed. AND THAT WAS AFTER THEY HAD GIVEN ME PERMISSION TO LEAVE MY HOME XXXX XXXX, XXXX ... AND THEN DENIED IT. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In 1991 my wife and I received a XXXX loan due to the earthquake in California. After a year or two they sold the loan to CSC Logic. For the last 22 years I have been trying to secure an annual statement from them showing beginning balance, payments, total interest, principal reduction and ending balance. I can not get to any managers, officers or find the company online. The only information I can get is their a division of CSC 

Company response: Company chooses not to provide a public response
Consumer complaint: I have credit card debt that I am unable to pay at this time ; hope to address without filing bankruptcy. 
My friend advised me that he has received calls from Capital Management Services attempting to reach me to collect a debt. He is not a spouse or family member, but a neighbor. When I called this company, they attempted to say it was my contact info. Total lie, number was never under my name. 
I have read numerous complaints re this group 's illegal and unethical practices. Please stop them. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: The reason I am complaining to day is because I went to XXXX XXXX union to close on a loan and when they went to establish membership for me and got a copy of my chexsystems file they denied me based on information that they received from Chexsystems. XXXX is saying that there is an account with XXXX XXXX reporting a {$52.00} charge off. I have never conducted business with this company and I called them to verify with my social if they have me in there system? and they had no record of any account with my social. I contacted the chex systems phone number and gave the representative my information and he was able to pull up my file but found no record of any account reporting a charge off in my name. The bank is requesting a letter from chex systems stating that their are no negative charge offs showing on my report. Chex systems is telling me they will be mailing me my file but this is not going to help me as I am on a time limit in approval for this loan that I have been approved. My father and my brother carry the same name and I am afraid that my information might be getting mixed when financial institutions pull my file. This needs to be addressed with chexsystems. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have called to make payment arrangements and no one is available to speak with at their office. I still have been sending payments to them of {$40.00} or {$50.00} dollars a month because I have other medical bills to pay also. They sent me to collections without the ability to ever communicate with their office about payment arrangements. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife and I have a VA mortgage with CitiMortgage. Three years ago we, like many Americans, fell behind on payments and were in danger of foreclosure. We were able to work out a repayment plan to catch up. Citi configured a 35 month repayment plan that was supposed to catch us up if we made an elevated payment for the 35 month period of the program. We owed approximately {$3500.00} when the plan was implemented. We made every payment for the defined amount before the deadline each month during the program. In XXXX of 2015 we made our final payment and called 10 days later to verify the completion of the repayment plan and status of our mortgage expecting to hear we were caught up. Much to our surprised we were told we were even more delinquent than when the program began, owed over {$5000.00} and were still in danger of losing our home. Citi immediately offered to work out another repayment plan to catch up on our mortgage. We appreciate your help in getting this matter resolved quickly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed I had a negative item on my report, filed a dispute and it was removed. I was told to check all reports and realized there were negative items on all reports. I was denied credit due to negative marks. I 've spent money on numerous credit sited trying to get in contact with XXXX and Experian to get dispute items and also fix my date of birth. I ca n't even see reports or talk to someone that knows whats going on. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an outstanding medical bill from hospital emergency technicians. They said they did not receive insurance info. I resubmitted info 2 times to the billing company. I receive a collections notice for the amount. I get scared and pay the outstanding balance. I was assured by the collectors that I would be able to get a reimbursement from my insurance companies. I call my insurance and they said a claim was never filed. I call back and give the information so they can call the insurance company. A week passes and i call back and now they have no information on my account and hang up the phone after taking my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit card did not belong to me ; it belonged to my husband. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied on-line to Citibank for a Thankyou Preferred Master Card in late XXXX 2015, under an offer to receive XXXX bonus points by spending {$1500.00} within 3 months of the card account being opened., I received the master card in early XXXX, and I made a purchase of {$1700.00} on the card on XXXX XXXX, 2015. 
I did not receive the XXXX bonus points as was advertised. Upon inquiring on this, I was told that my account was opened through a solicitation which offered a {$100.00} XXXX gift card after completing {$100.00} in spending with XXXX within 3 months of card membership. 
I do not recall receiving this solicitation. In fact, it was the on-line offer for the XXXX bonus points which enticed me to open the Thankyou Preferred Citicard. This offer is still available on-line as of today. 
I was told by Citibank that I had to provide proof of having applied under this offer in order for them to do anything. I can not do this as I did not print a copy of the on-line application I completed. Given that I specifically applied for the Thankyou Preferred card, despite there being multiple offers for other Citibank cards, I certainly did not anticipate that they would later refuse to credit the XXXX bonus points once I completed the terms of the promotional offer. 
Why would I have spent {$1700.00} soon after the credit card being opened, and nothing else since? 
All Citibank has to do is confirm that the XXXX bonus point offer was in effect when I applied in late XXXX 2015. For them to refuse to credit the bonus points and instead tell me that my account was opened under a different offer is incorrect, and guilty of false advertising. 
I hope you can assist me in resolving this matter. 
Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Opened a account at XXXX XXXX had fraud when disputed itThey said no problem opened me a new accountApparently they then decided new was opened to soonAnd they closed it without my knowledgeThey also applied for a credit card for me I did not authorizeOr ask forI then went to another bank to open a accountAnd was told XXXX report me to check systemFor suspected fraud? I 've been trying to get corrected for5 yrs now ca n't get a account anywhere! 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I 'm having issues with Best Buy Credit Card. The problems started when I charged something to the Best Buy Credit Card with authorization. It was suppose to have been services using the XXXX for some computer work 2 years ago. When I picked up the computer I discovered that none of the work had been done and the company gave me back a complete refund. However, a complete refund was n't processed. The only thing that was charged was through the geeksquad and software that the geeksquad was suppose to install and active, which it never was. Best Buy never removed those charges. Even since then, I 've been battling Best Buy with Fake charges to fees and stuff that I do n't know. I 've finally asked Best Buy to provide me with a complete accounting of all the fees, charges and everything. They are charging me thins such as " late fees '' for claiming that my payment is late, when I pay it at the beginning of the month. Iv'e always paid the card at the beginning of the month and htye 've changed the date from the standard date of the month to a rotational every 28 days ... which means that the date moves. My bank has record on when it paid because its swet to go out the XXXX week of the month as I 'm on XXXX and that 's when my income comes in. I 've called the company they claim they have n't changed, which is non sense. Not only have they changed the pay due date and charging me late fees wthout notficiaiton, they changed the type of charge card from a master card to a visa and I was never given the notficiaton. I 've also had some identity theft issues that I 've been dealing with and these were removed. So basically they are having me pay " late fees '' on something that I 'm not charging only to collect a fee. They claim that the payment is due on the XXXX or something like that and I paid it the XXXX week of the month, two weeks early, so then tjey claim that well y payment must have been fro the previous month because of their " late fee '' wrong, Its for the month. I even went and paid them several times two payments in the same month ( bank records ) and thet still go and charge me claiinng that its late. ( I paid around the XXXX and then the XXXX ) well, if the payment due date is XX/XX/XXXX an I paid on XX/XX/XXXX and they have a 28 day billing cycle then the payment is wthin the correct day closgin, correct? I 've requested the aduit they 've refused. I 've requested to speak with a supervisor regarding this they refuse. At this time I believe that Best Buy owes me for fees that they 've illegally charged because I have n't been using the card at all!!! in case the representative said the ONLY FEES that was on the card were the LATE FEES ... .well if I did n't have a balance and I paid it off athen why am I being charged late fees????? I need help and XXXXbest buy is refusing to assist. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Upon checking my credit report I noticed I had a debt that I was n't aware of. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought furniture at XXXX XXXX XXXX on a 0 % loan that they offered me. Approximately {$1200.00} of furniture. I made timely payments. XXXX must affiliate with Wells Fargo, because my statements come with Wells on it. My statement I just received has a " previous balance of {$810.00} '' and charges me {$360.00} of interest. Now my balance is {$1100.00} at 27.99 % interest. I called Wells and spoke to a supervisor. The supervisor made a concession of a 25 % discount. I paid what she requested in entirety just now in order to get this 25 % discount via my bank routing number ( I paid her {$1000.00} ). The supervisor tells me that had I paid the {$810.00} just 7 days ago ( by XXXX XXXX ) that I would have saved the interest charge. This seems shady to me that my statement has never clarified when the 0 % was ending, what the interest rate would be raised to. Also, I question why the interest charge is XXXX instead of XXXX ( which is 27.99 % of XXXX ). I am frustrated and feel as though I have been " had ''. I qualified for the 0 % due to my good credit rating. I have never bought furniture on credit in my life. I am middle aged and this was a gift for my adult daughter. I feel as though the affiliation between XXXX and Wells is questionable as well. I remember that I " qualified for a ' {$9100.00} ' credit limit '' and then the " account '' was immediately closed ... not that I was going to buy more furniture. So it is just very strange. Can you help me in any way? I want to complain to Wells Fargo and to XXXX in regard to this shady practice in hopes that it will not happen to others. A side note : the supervisor at XXXX made me pay this amount ( the XXXX ... today, right now ... or else I would not " qualify '' for the 25 % discount ). Not fair when this payment is not even due until XXXX/XXXX/16. Thank you for your help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I charged around {$54.00} on a Home Depot card. I paid {$35.00} on the card prior to receiveing the bill. They charged me a {$36.00} fee because I did not pay after I received the bill. I paid the finance charge and balance off because I was really mad. It was paid by electronic transfer by the due date. They charged be another {$36.00} fee saying it was a day late, but that 's not what the EFT from my bank says. Home Depot is trying to charge me {$75.00} fee on a {$54.00} purchase even though I paid in advance and on time. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My Tribute card was issued to me in XXXX. I made all payments on time. In XXXX XXXX, Tribute raised my credit to {$500.00} without my request and then closed the company. I called ot make a payment in XXXX, XXXX and was advised that the company closed and could not be reached at the number or correspondence. The company Jefferson XXXX XXXX reported that my Tribute card was lost and re-issued. My card was never lost and reissued. The company XXXX XXXX then put both accounts that I did not have on my credit with a balance of {$1000.00} without notifying me. I reported the complaint to all XXXX credit entities such as XXXX, XXXX and XXXX and my claim was denied. The credit is reporting on my report for the last 9 years beyond the lawful amount of time of 7 years and is reporting incorrectly. I would like for the account to be removed from my credit report. My credit report shows that I have disputed the account. The company does not meet federal regulations and is reporting incorrectly. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Requested report and score ( for which I authorized payment ) from TRANSUNION CREDIT CO. Suddenly there appeared a monthly {$19.00} recurring charge on my credit card. Did n't authorize, did n't know what it was for, no confirmation or acknowledgement sent to consumer that such charge would take place. After researching the internet I was able to get instructions to " cancel '' my " membership ''. There were many such complaints online about this practice. TU has said there will be no more charges. The sales rep had such a strong foreign accent that I could barely understand him. I have also alerted my credit card company who have said they will cancel any TU charges and issue a new card if necessary. I have alerted them as well and am still fuming. Thanks for providing this site. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company continues to report this fraudulent info on my credit reports. They say they 'll remove it and they do, but they put it right back on again XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am writing a complaint about my mortgage company ditech, I was billed XXXX which was grossly incorrect, so I contacted them. While doing so I encountered a representative that treated me with a discriminatory tone because I am a recipient of assistance with my mortgage. My payments are divided into a percentage that I pay and the remaining is paid by a subsidy. I have not had any issues with my previous mortgage company regarding my payments, but this is the second such incident I have encoutered with my current one. The call I am referring to took place on XXXX XXXX, 2016 at between XXXX XXXX and XXXX XXXX and is recorded by the mortgage company. I was given XXXX different amounts owed during the call and finally the customer service representative said that after running the numbers she could not see where I owed the amounts stated but that it was about {$130.00}. She said she would have to get with her supervisor before she could say for sure. I was told that it was the fact that I get assistance that my statements are n't accurate and that I should n't go by my statements. I asked what other method could I go by to determine my payments. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: XXXX XXXX did hard inquiry on me, I have never heard of XXXX XXXX before. I have never contacted XXXX XXXX for any reason. 

Company response: Company chooses not to provide a public response
Consumer complaint: After a year of having my mortgage with Ditech, it was sold to another service provider for a period of only two months and then Ditech bought the mortgage back in XXXX of XXXX. My first payment due date was XXXX XXXX, XXXX. I mailed my payment on XXXX/XXXX/XXXX and Ditech received the payment and the check cleared my bank on XXXX/XXXX/XXXX. The last week of XXXX I received a call stating that my payment was late. After speaking to a representative ( XXXX in XXXX XXXX ), she noted that Ditech did in fact receive the payment, but it was not applied to my account for an unknown reason. She then advised me that when my XXXX statement arrived showing the past due amount, that I should only pay one payment and that she would insure that my XXXX payment was credited to my account. On XXXX XXXX, I received a voicemail from XXXX again, stating that the XXXX payment was indeed past due and I should contact Ditech. When I called ( speaking to another representative ), I was told that the check that cleared my bank on XXXX/XXXX/XXXX had been refunded to me on XXXX/XXXX/XXXX. When I asked why, I was told she was n't sure. As of the date of this letter XXXX/XXXX/XXXX, I have not received any check. To make matters worse, I was told that in order to keep my account in good standing, I was to make the XXXX payment again or risk becoming delinquent. I did so by phone and have a confirmation number for that payment. Against my better judgement, I did this to protect my wife 's and my good credit. My XXXX payment was due on XXXX/XXXX/XXXX and again, against my better judgement, I mailed this payment by check on XXXX/XXXX/XXXX, in fear that the payment from XXXX/XXXX/XXXX would not be credited to my account. As I business owner, I understand that accounting errors can occur, but every time I have contacted this company, I have not received a straight answer where my first XXXX payment is. The answers have been from 4 different representatives : 1 ) It will be credited to your account, 2 ) It was refunded by check on XXXX XXXX, 3 ) It was electronically transferred back to your account, 4 ) We do n't see a payment from you on XXXX/XXXX/XXXX. None of these items have occurred. I have copies of the cancelled check and it was deposited into Ditech 's account. Today, I went to my mortgage loan originator for his help. We jointly spent one hour on the phone with 4 different Ditech representatives and got different answers from each one. No solution was presented by any representative. We were sent to a voicemail of the 3rd supervisor of the day and never received a call back. This company has violated the terms of the mortgage agreement, while I have complied. This entire issue is an internal Ditech issue, but has quickly become my issue. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Got a Citi Card back in 2007 and they have been charging me for credit protection fees. Called and cancelled and asked that the credit my account all of the charges that they have been charging me for the service. They stated that they will cancel the service however, cant guarantee that I would be issued a credit for them charging me all of those years. I need help with getting them to refund my card all of those charges since 2007. I have been reading articles showing that Citi bank is supposed to be refunding their customers for fees for services like that. Can you please help me? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was charged XXXX ovedaft fees by Wells Fargo, XXXX for my checking and XXXX for my savings. I do not understand the overdraft fee from my savings. I had transferred {$25.00} from savings into checking leaving only a balance of {$1.00} in savings. When checking became overdrawn from a payment clearing that I had meant to cancel ( knowing there would be insufficient funds ), the {$1.00} was automatically transferred into checking. Subsequently I was charged for the {$25.00} previous transfer because supposedly the checking account was overdrawn. However the balance still remained XXXX so it was not overdrawn. And I was charged {$35.00} to my savings leaving me then overdrawn. This is my only time with insufficient funds and funds were immediately deposited later that day into my checking to bring it to a positive balance. It is unfair to be charged ultimately twice for basically XXXX item. 

Company response: Company chooses not to provide a public response
Consumer complaint: Those number have been calling since XXXX 2015 7 days a week more than 25 calls a day including holiday when I pick up the calls no one says anything. I called back its macys/citibank. I have been calling, emailing macys personally since XXXX 2015 regarding charges on my account. They promesed they will fix it ; they never did. I paid them over the money that was owe on the account the account never fixed until XXXX. I spoke to several managers regarding the issue, my account has been compromised no one cares. I stop paying last XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response