AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was checking out what was involved in starting a website when a person solicited me over the telephone. I was told if I had certain qualities I would be able to enter a special program to help me start an online business. It turns out that the special quality was if I had the money. On XXXX XXXX, 2014 I was contacted by a company called XXXX XXXX XXXX, XXXX. I was told I could earn a significant amount of money by working from home. I was sold supposed " Educational Products and Services '' on XXXX XXXX for {>= $1,000,000}. This alleged service was intended to guide me on building an XXXX business online and sell products on XXXX. 
XXXX XXXX XXXX, XXXX verbally promised over the telephone that I would be learning this " XXXX '' business because of there assistance. I was told I would receive weeks of coaching but the company failed to provide anything in writing that explained the coaching process. After numerous phone calls I finally received a phone call from a gentleman named " XXXX ''. This individual informed me that he would assist me during the coaching process. The coaching process only lasted a short period of time before it became impossible to reach anyone on the phone. After a few phone calls from my alleged coach I immediately became suspicious that I was involved in a scam. Everything that I was originally told from XXXX XXXX XXXX, XXXX was a complete lie. 
It was now evident to me that I was involved in an online business opportunity scam. I tried everything in my power to contact XXXX XXXX XXXX, XXXX. All phone calls went to voice-mail and were never returned back to me. I even realized that this company was operating from a XXXX XXXX not an actual business location. As of today no contact has been made with XXXX XXXX XXXX, XXXX. They never provided any " Educational Products '' or " Services '' to date. I urge you to please try and contact them to help me resolves this issue. 
I consider a full refund to be a fair resolution with XXXX XXXX XXXX, XXXX. I did not receive the products and services that were described to me at the time of purchase. I have attempted to resolve this issue with the company directly, but they continue to ignore all request. The invoice that I have has no terms of agreement or show what services were to be provided. During this period of time I was on medical XXXX and was looking for an opportunity to work from home. From initial point of contact I was verbally guaranteed to make sales/profits. Before I loss all communication I attempted to go and meet them personally and learn the business hands on. They repeatedly refused and would not provide me with a physical address. I paid this company and they completely disappeared. I have received absolutely nothing and my bank will not assist me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to the Experian website to look at my " free '' credit score as advertised on television and all over the webpage. Turns out they charge you {$1.00}. I did not know that by paying the {$1.00} fee they enroll you in a monthly membership that charges {$21.00} a month. I was charged twice before receiving my credit card bill and noticing the fraudulent charge. To cancel, the company forces you to call them. I called to cancel and request a refund. They cancelled my " membership '' that I never wanted and never signed up for and refunded one charge but refused to refund the other one because " it 's their process. '' All XXXX of the call center representatives with whom I spoke refused to transfer me to someone who would solve the problem. They kept insisting on giving me an email address. Why should I have to email when " their process '' according to the website forced me to call them in the first place? On top of that, the last agent I spoke with hung up on me despite my request that he not hang up on me. I was civil but firm the entire call. There was no acceptable excuse for hanging up on me. This company is a fraud and participates in false advertising practices. I posted a complaint on their XXXX page and noticed that every post from non-employees was a complaint about this same issue. They are not up-front with their practices and trick users into paying for a service that is n't wanted. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a notice on XXXX/XXXX/16 that my mortgage was being transferred from my current mortgage company to another one, effective XXXX/XXXX/16. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been disputing several unauthorized inquires with Transunion since XXXX XXXX. As of this date they have intentionally failed to provide the evidence required by Federal Law to provide me PHYSICAL EVIDENCE that I gave consent for Transunion to perform the following Inquiries ... 
XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: At the end of XXXX 2015 I applied for a mortgage with Bank of America ( BofA ) to buy a house in XXXX, VA. I provided the Loan Officer with any information requested and I told him that I live and work XXXX ( XXXX ) because I 'm a XXXX. On XXXX XXXX BofA charged me {$450.00} for the property appraisal which was done on XXXX XXXX. On XXXX XXXX the Loan Officer informed me that my application was rejected " because you are XXXX and buying a property here ''. Considering that the basis for denying my application ( XXXX ) was known to BofA since the beginning of my mortgage application, BofA should have denied my application right away and for sure they should n't have ordered ( and charged me ) the appraisal cost. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a new checking account with BB & T in XXXX, I closed the account in XXXX of XXXX. During the year in which I had the account, I had direct deposit transactions, debit card transactions and upon closure, I received over {$2000.00} from the balance remaining in the account. In XXXX, I had a XXXX direct deposit transactions made by mistake to the closed account. XXXX of the XXXX deposits were returned to the sender, the other, the bank kept to pay off of debt owed from an unrelated account originating in XXXX, which was in a charge off status in XXXX. I have several issues with this transaction - First of all, the bank did not notify me of the fact that they took the deposit to pay off an old balance. I only obtained this information from them verbally after inquiring about the return of the ACH deposit to the sender. I have made numerous calls to the Executive offices of the bank, no one has called me back to talk to me about my situation. They sent me the attached letter detailing the charged off account. This letter does not describe their rights in collecting the funds from the ACH deposit made on the unrelated closed account nor have they have not sent me any transaction records of their taking of the ACH deposit to pay off the said debt. Anytime a bank makes a transaction on your account, they are to notify you, and I have not yet received anything and it is XXXX XXXX, XXXX, for a transaction that occurred on XXXX XXXX, XXXX Secondly - This letter does not indicate that the charged off account is formally closed or settled. Finally, these ACH transactions were made by my college, and were stipends from a XXXX XXXX and XXXX XXXX XXXX loan. It is my understanding that in the state of VA, you are not allowed to " garnish '' those such transactions, and that 's what this actually is. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have requested verification and validation of this debt and this company refuses to provide. I also disputed on my creditreport and this company never could answer my dispute. Now they have put this back on my creditreport under a different amount i do not owe. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: While signing up for a checking account at Regions Bank, the banker asked me if I would like to opt-in or out of overdraft protection. The camera on my motorcycle helmet was left on, though not intentionally, and recorded me verbally telling the banker to opt-out of overdraft protection. So I go home and notice I have a hard inquiry on my credit report and states from Regions Bank. I also noticed through my online banking profile that I was enrolled in overdraft protection. It was confirmed that Regions Bank would only do a soft pull and it would not show up on my credit report, but since I was enrolled by the banker into overdraft protection without my legal consent it resulted in a hard inquiry instead of a soft. So now my FICO score has dropped by XXXX points and will take it months for it to recover. Time in which will set me back drastically as the inquiry will stay on my credit report for 2 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a checking account at Bank of west XXXX XXXX XXXX XXXX ca. on XXXX XXXX. Reason I opened had offer of {$600.00} if balance above {$50000.00} to end of year. Offer said had to opened before XXXX XXXX. Person told me no problem on getting money. Had over {$50000.00} balance into this year. but they refuse to give me the {$600.00} bonus. Had contacted bank with no help so far. 

Company response: Company chooses not to provide a public response
Consumer complaint: When I turned XXXX last year I went in to XXXX XXXX and the banker helped me apply for a credit card. The credit card was denied because I was in " debt ''. I had just turned XXXX, and I applied for a credit card to help me build my credit. I was upset that They denied my application, and I was told I had to wait 6 months to try again. I wanted to know why, so I looked in to getting a credit report. Just turning XXXX years old should have meant I have absolutely nothing negative on my credit report. When I was sent my credit report from all three credit " reporters '' their was an error on my account, saying that I owed thousands of dollars in medical bills from XXXX of 2009. In XXXX 2009 I was XXXX years old, and legally I was not responsible for paying for that. I called and explained this to the person at experian, and they said they would take care of it, and supposedly they did. This week, I went in again to apply for a credit card, and I was denied again. I can not believe that this is happening to me. I can not get a finance a car, or get a credit card, all because of this error. This is not fair to me. I 'm a XXXX, who wants to be an XXXX when I graduate, and credit is the most important thing to me. I am asking for help. I have so many other things to worry about like homework, school and work, and it 's not fair to me that I even have to go through this nonsense. 
Sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an account on my transunion report that does not belong to me. I have tried to contact the collection agency XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with transunion and the response I got was this account was 'VERIFIED '. XXXX did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that transunion used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. XXXX all accounts that do not belong to me. I have disputed these accounts numerous times with transunion as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these XXXX accounts have not been properly verified through transunion. I requested signed paperwork with my signature on it for validation that this account belongs to me and transunion nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated. 

Company response: Company chooses not to provide a public response
Consumer complaint: Although Wells Fargo is not attempting to collect the debt at this time, they are punishing me through incorrect credit bureau reporting, in violation of the Fair Credit Reporting Act. Wells Fargo continues to report vastly different information to each of the credit reporting agencies about a line-of-credit loan which was paid in full through Chapter XXXX, including the reporting of past-due amounts even during the final year of the Chapter XXXX repayment period! 

Although their reporting to XXXX is the most damaging of the XXXX, there are errors on all of the credit bureaus ' files. 

After disputing multiple times with the credit bureaus, only to have no updates done, I have sent Wells Fargo a letter asking them to please correct the inconsistencies and provide all three credit bureaus with the same information update, but they have not responded to my written complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been experiencing on going problems with Specialized loan Services since they took over my loan in XX/XX/XXXX they promptly over drew my account and withdrew payment at the same time that XXXX did. Specialized Loan Services then placed a block on me preventing me from making an electronic payment because my payment was returned. The payment was made to XXXX and Specialized Loan Services continued to call me harassing me for non payment and the payment was made. My XX/XX/XXXX payment was held and not credited to my account until XX/XX/XXXX even though it was received on time on XX/XX/XXXX they then reported a late payment to the credit bureau and charged me a late fee. I have called no less than 8 times trying to straighten this matter out and be able to pay my mortgage electronically and have been told that they can not correct the problem. I am tired of the poor customer service, harassing phone calls and late fees as well as damage to my credit report and they have only had my mortgage for 5 months. It is not a good indicator and the fact that they are allowed to operate in such a disturbing manner is alarming. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion ALLOWED XXXX to do a HARD PULL on my credit. See proof that their " collections '' was removed from my credit. AND yet they allow a HARD PULL!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: For several years I 've been denied any loans on the grounds that my credit report and score can not be pulled. Finally I decided to find and fix it. Spent endless hours with all credit bureaus, found out that I was noted as deceased in TransUnion, mailed them a copy of SSN. Called Social Security, they found no problems there. Now Transunion claims their file is correct, so does everyone else, but now one can give me the report. Not for free not for a fee. PLease HELP 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been charged by property management ( XXXX ) for leaving apartment filthy however have photos and dated videos showing proof that I did n't. The management was notified and I was told that I was wrong and charges will stay, because this is how they do business and they always get paid. After 7 attempts of settling what was actually owed. I was informed debt was being turned over to collections because they always get their money. I contacted the collection agency Hunter warfeild in writing informing them the debt was not valid. They said they will investigate and notify me. This never happened and now this illegal and trumped up charge is on my credit report. Would love the chance in court to prove my innocence. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I disputed an item on my report because it was paid in full but was not reflecting that payment was made. I contacted the collection agency and explained that the account was paid in full and faxed a letter and receipt from the original creditor stating this. When investigation on dispute was completed it still was not updated. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Experian In CFPB complaint XXXX and XXXX stated that XXXX XXXX XXXX which appears on Experians credit report with account XXXX ... had each time Experian contacted XXXX XXXX XXXX verified the debt and noted that I disputed the account. However, the fact that XXXX XXXX XXXX which lists a XXXX, XXXX XXXX MN XXXX and which the Minesota XXXX has confirmed that all mail to that XXXX is returned as non-deliverable lists an address identification number XXXX which belongs to XXXX needs to be clarified. This is the first time I have ever seen a company use another companies address identification number without authorization and suggests that XXXX XXXX XXXX does not have an address identification number with Experian which also would indicate they are not authorized to place any account with Experian. I have no doubt when Experian investigates the unauthorized use of XXXX XXXX address identification number Experian will delete this account from my credit report or at the very least provide and explanation as to why a company in Minnesota is using XXXX address identification number. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am about to lose my house due to Wells Fargo 's XXXX scam. In the mid XXXX Wells Fargo forced any buyer they could without 20 % down payment into double mortgages with the 2nd mortgage at a very high interest rate, then refused to refinance them. Thousands of homeowners were victims of this scam. I was forced into one of these mortgages in XXXX at 8.62 percent, signing only on the proviso that that loan would be refinanced the following year. I have been trying since XXXX to get this loan refinanced, with different excuses every time. When I could no longer continue paying it, they refused attempts to set up a payment plan, refinance or modify the loan, now threatening to foreclose even though my first mortgage is current and I have never missed a payment. ADMINISTRATIVE ACTION NEEDS TO BE TAKEN IMMEDIATELY TO REQUIRE WELLS FARGO TO REFINANCE THESE LOANS ON ANY HARP OR HAMP ELIGIBLE HOME. 
Wells Fargo deliberately ignored a request for a refinance or modification through Senator XXXX office until such time as my unemployment ran out and then claimed they could not trefinance because I did not have a regular source of income. After a CFPB complaint, they then started six months of " research '' on the fraudulent origination of this loan, coming back with a claim that I had been given this loan due to an insufficient down payment, a claim that I immediately provided documentation to refute. A second modification application done through a highly reputable housing counselor was denied because I only had self-employment income. The Wells Fargo single point of contact deliberately drew out a fact finding inquiry so that I could not appeal. By drawing out this process and refusing earlier refinance attempts when I was working, Wells Fargo has created a situation where I am now near four months behind on the loan. Wells Fargo has refused all attempts at modifications, based on income guidelines above what I have earned for most of the time I have owned the house. 
Most of the research on this loan has been done by XXXX XXXX, who calls me regularly to " make sure we are on the same page '' and then make statements about me or the loan that I know to be false. I put over 5 % down on the house on the advice of a Wells Fargo Prosperity agent, more than the required down payment on the house then and an acceptable down payment today yet they claim they insisted on the XXXX origination because I " did not have sufficient down payment. '' On XXXX XXXX XXXX, I sent another letter through Senator XXXX requesting modification and other forms of relief. This has been ignored. Please intervene to address this situation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have about {$40000.00} total in private loans through Sallie Mae. My interest rates range from 9.125 % -9.875 % ( averaging to about 9.5 % ) among the XXXX loans, resulting in payments of $ XXXX/month. Unfortunately, I only make XXXX a year as a XXXX and I also have federal loan payments to make along with rent and insurance, so {$550.00} a month is pretty unmanageable. This issue with Sallie Mae is that I brought this information to their attention and tried to get them to work with me in some way, but they stone walled me at every turn saying they can not do anything for me, except a 0.25 % decrease by signing up for auto-pay. I asked if I could be transferred to another department ( collections ) and they stated that they can not transfer me and I ca n't even speak with collections " until my account is delinquent ''. I even tried to extend the length of my payment period, but again I was met with a firm and absolute " no ''. I have attempted to refinance my loans through other agencies, but my debt/income ratio is too high, so I am essentially stuck with Sallie Mae and their bullying. Overall, I am between a rock and a hard place in that Sallie Mae has backed me into a corner and wo n't budge unless I become delinquent resulting in late fee buildup, interest accruing on the loans, and sacrificing my credit score. Even if I do become delinquent I have no reason to believe Sallie Mae will do anything other than destroy my credit score and assess fees to tack onto my already difficult payments. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: repeatedly calling me at XXXX XXXX regardless of me telling them to stop calling this early. Im not ignoring their calls during other times of the day. tTey never call during the day. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made minimal charges on a new macys card hoping to benefit from the introductory offer/discount in or about XX/XX/2015 Soon they were charging me late fees and late fees on late fees and I tried to cancel my card and paid what I believe was owed after several phone calls. Now despite having paid and cancelled my card the statements keep coming with late fees on late fees and telephone calls to my house at night. I spent nearly an hour on the phone with customer service since I do n't know what these charges are at this point or what the late fees are for since I believe I long ago paid off the few items I bought from macys. The customer sevice was disgraceful unhelpful hostile and offshore and refused to provide me with any records of charges and payments so I can get this straight. I would like to bring a legal action but need the records which Macys wo n't give me. And the calls and late fees keep coming. A nightmare. 

Company response: Company chooses not to provide a public response