AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: From 2012 to the present, Regional Acceptance Corporation charged unnecessary charges for a 4 year loan. Customer paid {$17000.00} on a {$21000.00} note and the company has alleged due to late payments that we now owe {$19000.00}. Our records indicate a balance of {$3000.00}. We believe the company has overcharged and is abusing the rates of late fees and daily interest compounded. We owe around {$3000.00} on the vehicle and want to pay it off. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wish that the consumer fraud bureau review this complaint and act upon it, PLEASE DO NOT FORWARD IT to the XXXX organization for they did nothing. Ive been trying to get a modification of my mortgage with wells fargo home mortgage for approx. 2 years now. They committed fraud and intentional delays several times by not responding to me within the 30 days with either an approval or a denial. This I have proof of and wish it to be provided to the consumer fraud bureau as well.. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A gentleman called my Granddaughter demanding she pay for a debt that she was n't sure even existed. He threatened to have her taken to jail the next day. She panicked, having XXXX small children. Called me to help her pay the amount of {$3500.00}. I had her tell the guy to call me, when we spoke he was very persistent. He would n't accept a personal check as payment, and had to be paid right now or she would be placed into jail, and he would take the house away from her. I 'm an elderly lady and was very scared for her. I decided to give him my credit card info because he scared me, and I was worried for the safety of my granddaughter and grand babies. I asked him to fax me the documents to prove that she indeed owed this money to somebody. He refused to send me any type of receipt. I then called the credit card company to cancel the transaction, the lady said I caught it just in time. That they would n't release that amount of money right away so I was assured the payment was stopped. The following day he called screaming at me for canceling the payment. He said to just give him {$500.00} and he 'll go away, he refused to send me any paper work so I had proof. He has damaged my soul, I 'm scared that this can happen again and to keep your family from harm you do what ever it takes. It 's sad that people take advantage of others. 
I then received a document from the credit card company saying that they have charged my account. This man that strong armed my account information from me turned out to be a scammer. Please will you look into this. I 'm living on a fixed income and do n't know what to do. I thank you much XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX account charged off in XXXX, in luieu of checking my credit report in XXXX XXXX I wrote each bureau to remove account because of statue which has been over 7 years, In turn XXXX and XXXX deleted it and blocked XXXX XXXX XXXX from being able to re enter information..But Transunion allowed the bank to create a different account number and put fradulant activity on the account as if it had been charged off in XXXX.I filed complaint with XXXX Then Transunion deleted the account then reinserted it, Transunion reinserted and delted the account several times, I spoke with a rep at transunion that said everytime they deleted it they allow the Bank to come right back and update it or re enter.I am still fighting this I wrote Transunion several letters and ask that when they delete XXXX XXXX XXXX block them from my credit reports just as XXXX and XXXX did.Transuinion has violted the FDCA a charge off account can not be updated or reaged after 7 years..Transunion has deleted XXXX XXXX XXXX several times and reinserted because they allowes the Bank to do this what kind of sense does this make..I am humilated, my name and character has been defamed by Transunion and my rights of been violated 

Company response: Company chooses not to provide a public response
Consumer complaint: My story is pretty simple. I work for the state. the program is called In-home-supportive services. I have been with them for 8 years. The month of XXXX was the longest time I ever waited for my direct deposit. It was three weeks late. Causing my reoccurring bills to over-draft my account by exactly {$170.00}. 
I had reached out several times to the customer services Center and with no feedback as to why I could not be refunded the XXXX over draft fee 's totalling XXXX. I called my XXXX XXXX attorney and they advised me to write to this Web site. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: experian credit report has a list of accounts that are not mine nor have i ever had an account with. Also, when i print out the report the cover page doesnt have my name on it. It displays someone elses name. There is also a judgment out in my name and when i contact the company they say that they cant find me in their system and they searched their database using my name and SSN. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello, I applied for a mortgage loan with Navy Federal Credit Union - and I pulled my Experian Credit report which gave me a score of XXXX - based on this I applied for the Mortgage and Navy Federal is saying my score is XXXX, which is not correct and they increased my interest rate by 2.625 % from their initially quoted website rate of 4.0 %, which increased my qualifying ratios and now I am not able to afford the house anymore. 

I feel truly depending on the numbers which may not be correct and not even matching with XXXX 's report is not fair and which made it unable for us to be able to buy the home we wanted. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX is reporting a paid collection that was settled with General Revenue Corp in XXXX of XXXX as a collection as of XXXX of XXXX. I previously disputed the incorrect status on XXXX/XXXX/XXXX because the settled account was reflecting as a collection as of XXXX XXXX, today XXXX/XXXX/XXXX, I received the result of the dispute that the account was again made to look like the paid account was a collection as of XXXX XXXX. My Fico score has dropped almost XXXX points as a result of this because the paid collection is now being recognized as a new collection and I have recently been denied a loan because of this. The account should reflect as closed as of XXXX XXXX. I spoke with a rep from XXXX on the phone and he can see in his internal system that the account was paid in XXXX, the incorrect historical information can not be removed and I should contact General Revenue about my concern. He also stated that General Revenue responded to the dispute that the account was a collection as of XXXX. This is a clear violation of section 607 ( b ) of the FCRA. Section 607 ( b ) of the FCRA requires XXXX to " follow reasonable procedures to assure maximum possible accuracy of information ''. 

I spoke with multiple reps and managers with General Revenue as well. General Revenue says that they can not report nor correct the incorrect information and that I must contact XXXX to have the information updated to reflect the account paid and closed as of XXXX XXXX. By refusing to direct XXXX to update the account with the correct info, General Revenue is in violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern : I opened a Wells Fargo Everyday Checking in XXXX 2016 online as there are no branches near where I live and my son ( an existing Wells Fargo customer ) told me that there was a promotion that Wells Fargo was running. Given that Wells Fargo is XXXX the strongest banks in the country, I thought it was a good opportunity to open an account and start a relationship in case I needed future products like credit cards or mortgages as well. 
I subsequently received my account number, debit card and debit card PIN in the mail. I returned the required signature card after I signed it as well. 
However, there is a fraud alert on my account which I discovered after I could not sign up for online banking successfully. When I called into the fraud department on XXXX XXXX, 2016, I was not given any help that was even remotely useful. I was told that I have to go to a branch with XXXX forms of ID. I do n't live near a branch ( the closest branch is about XXXX miles away ). 
Attached are my driver 's license and passport to verify my identity. 
Finally the bottom line is that if you are n't going to be helpful and clear the fraud alert and allow me to set up online access to my account, then just close my account and return the {$50.00} that I funded the account with as soon as possible. I had such a poor experience talking to your fraud department that I have no interest in calling in to speak to anyone at Wells Fargo. Otherwise you are illegally holding my money. Also, you should stop wasting people 's time if you are going to put fraud alerts on their accounts without giving them a proper ability to clear them. Do n't bother letting people open up the accounts online then if they do n't live near a branch if that is how you are going to do your fraud alerts. That is very easy for you to set up and would have saved both you and me all this trouble. 

Sincerely, 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a collection reported to my credit file by Penn Credit Corporation. This debt went to collection, however, I had an agreement with the collection agency that they would delete the collection from my account. I paid the collection, however, the collection still appears on my credit file. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Besides the HORRIBLE customer service. I was lied to. I spoke with a rep from Ally on XXXX who took a payment from me in the amount of {$740.00}. She informed me that the amount would cover my past due amount for XXXX XXXX payment along with the late fees assessed in the account. Since she could not take the payment via her system for a future dated payment, she informed me that I would need to go online to schedule the payment for the XXXX and provide her with the confirmation number. I did. I also doubled checked to make sure that this amount that was being paid was going to bring my account completely current along with no more late fees. She said YES. She said you will be completely current however I would be due for XXXX payment just in a few days on XXXX. She asked about hat payment and I advised her that I would be able to make it at the end of this month. She told me that as long as I paid by the end of the month, that I will be ok and not accessed a late fee. I receive a collections call on XXXX stating that I am past due a payment for XXXX and that my late fees were over {$500.00}. I did n't understand why I even still had late fees after I made the payment of {$740.00}. She explained to me that the payment posted to my principle balance and not to any of the late fees. I told her that had to be a mistake bc the rep told me AND online told me that my payment with late fees was {$740.00}. She told me that she was going to open up a research request and that someone would call me within 24-48 hours. No one ever called. So today, XXXX I called back to get a status update and the young lady told me that the research had been done and that there was no extra payment made. My payments are {$470.00} every month. She then went to tell me that the remaining was applied to my returned payments from XXXX and XXXX!? Although those payments were returned, they were made up! I made the payments for the month of XXXX and XXXX! Something is n't adding up. Ally could n't verbally explain to me what was going on so they just indicated to me they will send me a copy of the billing history. I do n't need a copy, I have my own via bank statements! All in all, I was lied to and mislead to believe that my payment was being made to cover my XXXX payment plus late fees from the rep and online. The reasoning they are giving does n't sound right! I feel like they are just telling me something and its really challenging my intelligence. Please take a look into this ... anything that is needed I will provide. 

Company response: Company chooses not to provide a public response
Consumer complaint: * I bought an XXXX XXXX ticket which showed me total ticket price of XXXX * I paid this payment by one of my bank of america credit card ending with XXXX XXXX Now the bank of america shows a Foreign transaction fee of XXXX. 
Complain : I am in USA physically, open the website in usa, bought ticket while I was in USA, XXXX XXXX site does not state that the transaction will take place out side USA, bank of america does not say that this site will be considered a foreign transaction, then why I am being charged. Bank of america should clearly state me on each charge that this would be extra fee or say this is foreign transaction. 
Website itself does not declare it. Pls assist me getting these fee back. 
Thanks, XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I bought a house from Toll Brothers in XXXX VA. Toll brothers always recommended us to use their TBI mortgage. I signed up for a rate lock ( at 4 % ) with a promise that TBI Mortgage will renegotiate a lower rate if the rates dropped or if I could find a lower rate else where. The rates dropped really low once and I called them and asked if my rates changed. The agent agreed that my rate has dropped to 3.875 % and he is put in a renegotiation and get back to me in 2 days. He called me back after two days and said that my renegotiation has been declined because I am too far away from closing. at this point I lost trust in the lender and started shopping outside and got an offer for 3.5 % interest rate. I took it to TBI and asked him to match and waited for a week. My agent clearly told me that he will not match it and I should go with the other lender. Now Toll brothers has charged me a 1 % fee since I went with the other lender and not TBI. I never got what I was promised from TBI, then why should anyone charge me that fee? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been disputing these items for over 6 months and they have yet to prove to me the validity of these items in regards to their completeness, verifiability, and their accurateness. 

XXXX XXXX Please take off the late things from this account because I believe I made my payment that month. 

US DEPT VETS XXXX Please take a look at this collections account number and balance because it seems off. I do n't think it 's XXXX accurate. Remove it from my credit report immediately please. 

USDOE/XXXX XXXX Please perform an investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match my records. 

XXXX XXXX XXXX Under the FCRA , I request a full investigation on the responsibility and the amount of this collection. Please remove this collection for FCRA violations because I do not believe it is accurate. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: central financial put a blemish on my credit report and it is affecting my credit score. The medical bill was paid in full and they are saying it was paid for a lessor amount when it was n't 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Each month when I pay my mortgage and escrow, Wells Fargo take my check and places it in an " unapplied '' account. The problem here is recurring and in XXXX 2015 Wells was found to have misapplied funds and was led to back track and make corrections. 

The problem persists because Wells refuses to address the issue of the errors in the ledger and therefore continue to misapply the account management. The error here is very clear and if Wells would make the correction, this situation would be resolved. 

This is the error that is causing the " unapplied funds '' Tax : XXXX Ins : XXXX Escrow XXXX However according to your Escrow records ( XXXX/XXXX/2015 ) was there is a standing escrow balance of XXXX. 

Escrow account : XXXX Pre Balance : XXXX correct Escrow XXXX Wells Fargo has made no effort to address this problem. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX falsely reported a late payment on my mortgage after changing my billing in mid bill cycle during an escrow analysis. They increased by mortgage by XXXX in the middle the month and demanded a payment of that amount without my knowledge of the change until the night it was due. I called and they agreed it was a problem and that they would work on readjusting the payment and that this would not affect my credit, they also tried to get me to do loan modifications etc, and refinance while I waited. They adjusted the payment to a mere XXXX my previous payment, which I promptly paid. They then reported me for month that they changed my mortgage as being late even thought they told me they were changing the payment and that this would not happen several times on the phone. I was not interested in waiting around for a refinance, i just wanted to figure out a way to sell the house and get away from it and make my payments. They tried levying insurance on property that I did not need to add extra bills as well. They could never explain the escrow analysis and why they tried to destroy my credit and lied. TransUnion did not do a good job of looking at the facts and the evidence. They should immediately remove this. I am not alone, this is a practice that has affected XXXX XXXX customers. I never pay my mortgage late in 10 years. They are predators. Transition should practice better due diligence and look further into the documentation sent by consumers, 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 'm trying to purchase a new house and My XXXX credit reports reflect a loan from my prior marriage. The recorded Divorce Decree awards my previous spouse the residence and the financial responsibly of the house. I 've disputed the reports to XXXX and XXXX and the dispute was " resolved '' with my credit scores on those XXXX reports going up by XXXX and XXXX points. The XXXX dispute is still in progress. How do I get this loan off my report all together or what can I do to remedy this situation as best a possible? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: MISSING A {$130.00} OR MORE FROM MY BANK ACCOUNTS BEGINNING ON XXXX XXXX, 2016 XXXX XXXX XXXX PAYMENT REQUEST CAME IN FOR XXXX THE BANK TRANSFERRED {$40.00} FROM MY LINKED OVERDRAFT PROTECTION SAVINGS ACCOUNT AND ANOTHER {$20.00} FROM MY REGULAR ASSIGNED SAVINGS ACCOUNT BUT INSTEAD OF PAYING THE MERCHANT REQUEST AND CHARGING THE BANK {$5.00} TRANSFER FEE. 
THE BANK RETURNED THE MERCHANT ITEM AND CHARGED AN INSUFFICIENT FUNDS FEE OF {$35.00} WITH THE TRANSFERRED XXXX ( IMPROPER ACTIVITIES ) ADDITIONALLY ONCE XXXX MERCHANT REQUEST RETRY CAME IN ON XXXX XXXX, 2016 OF XXXX THE BANK USED FUNDS FROM MY CHECKING ACCOUNT TO PAY MERCHANT. 

SECOND PART : XX/XX/XXXX ; CONCERNING THE BANK BILL PAY DEPARTMENT. 
FEED THE CHILDREN {$37.00} and RELATIVE CHECK {$100.00} TOTAL DUE. {$130.00}. 
I ALREADY MADE ARRANGEMENTS WITH THE BANK BILL PAY DEPARTMENT. 
BECAUSE MY EMPLOYER HAD ERRONEOUSLY MISSED UP MY BI WEEKLY DIRECT DEPOSIT CHECK I WAS GOING TO MY EMPLOYER HEADQUARTERS TO GET A PAPER CHECK FOR MANUAL DEPOSIT INTO MY BANK ACCOUNT TO COVER THE NEGATIVE - {$130.00} BALANCE. BUT THE BANK IMPROPER CHARGED ME XXXX SEPARATE INSUFFICIENT FUNDS FEE OF {$35.00} FOR EACH BILL PAY ITEM. AS THIS IS NOT RELATED TO A RETURN MERCHANTS ITEMS FOR AN INSUFFICIENT FUNDS FEE CHARGES. 
ADDITIONALLY, THAT IS AN ILLEGAL BUSINESS BANKING PRACTICE. 
TO CHARGE A BANK FEE PER EACH ITEM OF {$35.00},, IF THE INSUFFICIENT FUNDS FEE WAS APPLICABLE, THE FEE OF ONLY {$35.00} WOULD HAVE COVERED BOTH ITEMS FOR THAT DAY TRANSACTIONS, IN CONCLUSION : I HAVE SAVED TEXT MESSAGES IN MY CELLPHONE TO THE BANK CUSTOMER SUPPORT UNIT CONCERNING THESE ISSUES MATTER IN THIS COMPLAINT THANK YOU. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a Platinum Citi card, and I missed paymebts due to unemployment. I contacted Citi cards to bring the account current. I was informed the account was being handled by XXXX XXXX. I contacted XXXX XXXX to bring thr account current. During my first call, I was assigned a representative. The next day I called to provide banking information. I left a voicemail. Thirty minutes later someone else called me back and told me the representative was out sick. I was hesistant and opted to call back. Following, the manager called me back, the same day, and shared thr person was not sick but employed somewhere else. He shared he was the manager and would assist me. I provided him with banking information and permission to deduct XXXX from my account to bring the card current. It was deducted from my account and another representative called to collect payment. I shared that I brought the account current and my next payment was not due until XX/XX/XXXX. This was the predetermined day I shared with the XXXX and XXXX representative. He shared that I needed to pay them becuse I had not made a payment the first one. He shared, " I mean I see your big payment, but you need to pay again. '' I said, " It 's nor due. '' He said, " I 'll just keep calling until you pay again. Why wo n't you pay? You were five months behind before your big payment. '' I told him I discussed it wit the manager and XXXX representstive. I told him he was rude, and he said " well. '' I shared I would call back on XX/XX/XXXX and predetermined. He shared again that they would continue to call until then. I contacted Citi Cards to make a complaint. They informed me that a payment was not due for three weeks. The XXXX XXXX representative is XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: They have not properly validated this account as mine, nor provided enough information to be certain it even belongs to me. They keep sending same canned response letters. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have sent in the information to Experian several times and they are not responding the other bureaus have removed the information right away. They are not responsive at all there is no way to talk with someone and will not allow me to do this online they want me to send the information by mail with my social security card and other personal information the company on the credit report sent it to them also. I am very upset they should have a way to speak with a person. 



Thank you, 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: bank of America modification process discrimation 

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