AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a Home Equity loan with Citibank. I have had it since XX/XX/XXXX. In XX/XX/XXXX I had to file bankruptcy. However Citibank was not included in the bankruptcy. After that it became very difficult to make my loan payments. In XX/XX/XXXX I filed a complaint with CFPB and the trouble stopped until about six months ago. Again I called to make my payment ( the same payment I had been making since XX/XX/XXXX-no problem-they took my money ) and all of a sudden I can no longer pay because I filed a bankruptcy. Well I do n't understand what the difference is now and the last XXXX years when they took my money and did n't give me the run around. By run around I mean the XXXX phone numbers they have given that are all bad numbers. Each time I called them I was told that they did not have my account-once again because it was in bankruptcy-these are the numbers : XXXX, XXXX ( by the way this is listed as their bankruptcy dept. number ) XXXX, XXXX ( this had been the only good number up until now ) XXXX. These numbers are all not able to take my payments. Last time I had the misfortune of dealing with a XXXX XXXX, Default Executive Response Unit Manager. He was extremely rude and not helpful. Because he called during the day and I was at work, he said that he had tried to reach without success therefore this matter was closed. I had called him back only to receive an answering machine and left messages. He finally called back but was very non-helpful. All I want to do is make my payment once a month by the XXXX of each month. I do not understand why they are making this so difficult once again. The way I see it if no one can find my account then I must not owe any money, but I 'm sure that is not the way they will perceive it if I stop paying them. Please help me to remedy this situation. I 'm just trying to pay off my loan. Thank you, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX the manger at century finance did not communicate that he was in an attempt to collect a debt several times. As well as XXXX his employee contacted me at work with out the Mini Miranda script. I was unaware they were attempting to collect a debit. Century finance inc, in North Carolina would also call me more than 10 times a week after I told them I have had a hardship and I will contact them asap. They also called my job XXXX so they had to call several places to find me. I also stated not to contact me at work. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I deposited a check for {$8000.00} into my Wells Fargo account on XXXX/XXXX/16. The check was from my XXXX account. XXXX is showing that the check cleared on XXXX/XXXX/16. Wells Fargo is claiming that there were insufficient funds in XXXX to clear the check and they are closing my account. I confirmed with a XXXX banker that the funds were available and they were sent to Wells Fargo. I faxed a letter on XX/XX/XXXX from XXXX to Wells Fargo that explained that the check cleared and funds were available. It had the bankers name and contact information on it. I was told to expect a decision on the account closure today, XX/XX/XXXX, however when I called they had not yet made a decision. 
They have not as of yet released the hold on the {$8000.00} check even though it cleared XXXX. I have not yet been provided a definitive answer as to when those funds will be available. Even though the status on the website shows it will clear tomorrow, XX/XX/XXXX, the agents on the phone seemed unsure if it would be available then. 
They have also informed me that my credit card is on hold because there is a hard hold on my checking account, and if Wells Fargo closes the checking account they will close the credit card as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: they used my house payment to pay escrow, then reported that my house payment was late! 

Company response: Company chooses not to provide a public response
Consumer complaint: I never did this program and never received money from a loan or supplies to take these classes. They filed a lien against me and never served me papers so they violated my rights by not allowing me notice to defend myself in a court of law. Also who received the money from this loan? This is the XXXX XXXX and it is a fraud program that is why I never enrolled. Please put a stop to these illegal actions of falsifying court records saying they served me. I would like proof of who signed those papers please. Thank you for your help this is very disturbing! And is showing up on my credit that is how I found out about it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am in bancrupcy and thought I was protected from foreclosure. I recently applied for a loan modiciation and/or any program that could help me with Ditech. They took over my nmortgage from Green Tree. I was also using XXXX to help me fill everything out. I got an e mail from XXXX that Ditech needed more info from me. It was unclear to me what exactly they needed and the next message I got was that it was too late and they are foreclosing. Can you please help me?? Im very worried for my self and my family. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: While married, I added husband as authorized user to Citibank card. Trying to now remove him from the card and they state that it is a joint account. I asked how it was a joint account, as I have owned the credit card prior to knowing him. They stated only way to have joint account is to have XXXX applied for card at the same time. I have been a cardmember for 14 years, they tell me, and I 've only known my ex for 8 years. there is no absolute way we signed up for this card together. In fact, I never had a joint account with him at all accept for his business checking account. We never had this as a joint account and they refuse to remove him. In order to do so, I would have to pay off the XXXX balance, which i can not do, or close the card and reapply for a new XXXX. But the second option would still have us in the same situation. This is hurting his credit now by having this card showing as a large amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX hired Financial Asset Management Systems to collect on a debt. Financial Asset Management Systems ( FAMS ) ran my credit report at least twice in 2015. Once on XXXX XXXX, 2015, and another time on XXXX XXXX, 2015. I never gave permission to FAMS to run my credit report nor did they have a permissible purpose to run the credit report XXXX within a 6 month period. FAMS is flagrantly violating thr Fair Debt Collections Practices Act with their deceptive debt collection tactics. FAMS ' only purpose of running my credit report twice within a 6 month period was to harass and annoy in flagrant violation of the Fair Debt Collections Practices Act. 

Company response: Company chooses not to provide a public response
Consumer complaint: My vehicle suffered a total loss in XXXX 2014. My primary insurance paid the amount of {$10.00}, XXXX on a loan balance of XXXX, XXXX which left a remaining balance of XXXX. My GAP paid {$760.00} after a year, waiting for an updated valuation report on the vehicle. Ally now claims I owe {$320.00} because they applied the initial payment to principal as opposed to the total loan payoff. I dispute this amount since XXXX insurance payouts exceed the payoff. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX # *********** Requesting Remove Item 30 Days Late Payment XXXX XXXX Account # XXXX I had a XXXX XXXX Account ending last XXXX # XXXX They have been reported late payment 30 days on XXXX XXXX all XXXX credit reporting agencies Experian, XXXX. 
But I am already contacted with them and they removed 30 days late payment above account on my all credit reporting agencies on XXXX XXXX. 
XXXX completely deleted there credit file ( Refer attachment Protect ID Experian report and CPFB XXXX XXXX responded XXXX already deleted ) XXXX also They removed on XXXX/XXXX/XXXX .But again XXXX XXXX reported on XXXX XXXX as a Late payment XXXX above account on XXXX report XXXX After that I complaint Consumer Financial Protection Bureau ( CFPB ) ON XXXX/XXXX/XXXX They believed XXXX XXXX send wrong information and XXXX deleted above late payment on their credit file ( refer CFPB Case number XXXX and copy attached ) Now up to date no longer shows my XXXX credit report above Late payment on XXXX there credit reports. But your reporting agency still shows above account as a Late payment. 
I submitted XXXX XXXX and XXXX XXXX though Experian to follow up my investigation above account but XXXX XXXX they response was asking supporting documentations. ( XXXX XXXX and XXXX XXXX letter attached your reference ) They failed to response with 30 days time period. Consider all facts and please helped me out to re-investigation and delete late payment XXXX account number ending XXXX Thanks 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: Dear Consumer Financial Protection Bureau, This is about Case # XXXX I can not sign into my ( cfpb ) account to see what the status is with my BOA complaint. 
So I am sending this via new complaint site. 
I had sent ( w/o a return receipt ) a Signature Affidavit back to BOA in XXXX XXXX that hey asked me to fill out and get notarized. I then in XXXX XXXX received a letter from BOA stating that my case was closed because they did not receive the signature Affidavit back from me! 
Yet I never to this day received any returned mail. 
I then sent all of the Signature Affidavit ( with a return receipt ) and with their letter to open the case back up to the mailing address they stated again. 
I am in possession of the return receipt that was signed by BOA on XXXX XXXX, XXXX. 
I also have a copy of all documents that I did sent in XXXX XXXX. 
So far ( XX/XX/XXXX ) I have not heard from BOA by phone or mail regarding this case. 
There was a phone call on my answering machine that I could not deceiver what it was saying because the foreign person had an extremely strong accent .... 
I am still very upset over this run -around they are giving me now by ignoring me and refusing to correct this matter. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: first I never ever lived in XXXX, ,Mississipppi . Next I never apply for credit with XXXX Bank 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank has attempted to defend its actions in this matter by reliance upon the Expedited Funds Availability Act. That defense is only tangential, not central, to the current claim. 

In this instance, when I attempted to deposit the counterfeit cashier 's check ( copy attached ) ostensibly drawn on XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) in a Citibank ATM at XXXX XXXX XXXX XXXX, XXXX XXXX, the ATM rejected the check. I then approached a teller at that Citibank branch location and indicated to him that the ATM had rejected the cashier 's check and asked whether the teller would accept deposit of that same counterfeit cashier 's check. 

As noted by XXXX XXXX, General Counsel for XXXX, in his email of XXXX XXXX, 2015 ( copy attached ), any bank teller with the requisite training in detecting counterfeit cashier 's checks should have immediately known that the check I presented for deposit was counterfeit. In this regard, as XXXX XXXX points out, legitimate cashier 's checks have " a tracking number which is not present on the check presented to Citibank. '' In addition, as noted by XXXX XXXX, legitimate cashier 's checks bear the telephone number of the issuing institution ( which the counterfeit check did not ) and the check in question bore a suspicious " security features box located on the reverse side. '' Therefore, Citibank 's act of accepting the counterfeit cashier 's check, which their employee ( the teller ) knew had just been rejected by Citibank 's own ATM machine, was, at best, gross negligence, and the teller who accepted the check was either completely untrained in fraud detection by Citibank, extremely reckless, or knowingly and intentionally careless in his actions. The fact the I was given immediate credit in my account for the counterfeit cashier 's check merely compounded the grossly negligent and reckless behavior of Citibank and led to their loss - - which they are now attempting to pass on, unlawfully, to me. 

Under the circumstances, Citibank should be made to suffer the entire loss in the amount of {$1900.00}. Instead, Citibank has, as they admit, closed my account and has also notified other banks to not do business with me, thus preventing me from opening a new account elsewhere and further damaging and injuring me in my personal finances, reputation and credit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I attended XXXX XXXX located XXXX XXXX, NJ. I took out a Federal Loan and a private loan. Money was demanded while I was attending school. The financial aid rep told me during the application process if I needed to make payment changes it 's simple and can be done. That was not the case. Neither XXXX XXXX nor Genesis Lending would help me. So I defaulted on my loan because I was n't able to pay the monthly amount, but I would send what I could. Not only that I did not get assistance in finding employment in the field I trained in. I received many annoying calls from XXXX XXXX fishing for information as far as what job am I working at and I can always go back to the school for assistance. I would tell the rep that I 'm not working in the field because you need 3yrs+ experience and I went back to my XXXX background temping until a permanent position came along. The rep stopped calling me as frequent because she was happy I had a job, but it was not in the field I trained. Every once in awhile I would receive a call because she wanted information. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Experian will not remove inaccurate names that are not my names or wrong addresses. The other agencies did it but they will not. I have even sent them proper identification and address verification information. Still no changes after 5 months of trying to get corrected. 

Also they failed to reinvestigate properly and submitted requested documents to me based on the Section 611 of the FCRA I stated to them the following : 1. My request was made based on FCRA, Section 611, Procedure in Case of Disputed Accuracy ( a ) ( 6 ) ( iii ) and was signed as having been received by you via certified mail. 
2. Pursuant to FCRA, Section 611 ( a ) ( 7 ), you are required to provide that description and specific information to me no later than fifteen days of my request. 

1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 

Company response: Company chooses not to provide a public response
Consumer complaint: I entered into an agreement with Regional Acceptance in XXXX to finance my car. I did not realize that the cost of this loan would be more than double the cost of the car ( and I do take responsibility in not reading the paperwork fully prior to agreeing ). I recently noticed when reviewing a few statements that the way things are being done will cause me to be paying for more years. For example, XXXX XXXX my balance owed was around $ XXXX and XXXX XXXX my balance owe sits at around $ XXXX. So after paying $ XXXX monthly in 3 years my balance only goes down about {$1500.00} per year? This is scary! I am a single parent already struggling and I definitely need my car to keep working. I do appreciate the company working with me since I fell behind on payments after losing my job of 15 years and I am still working towards getting back on my feet. But I am so confused as to how it is taking me so long to pay off my car since XXXX. I was only able to pull up my statements starting from XXXX XXXX to recent. I do not have anything before XXXX XXXX. I am really trying to understand and grasp the best way for me to get out of this hole. Again, I do not want to cause any uproar because I truly need my car to live and I am trying and pushing on a monthly basis to pay the monthly amount but at this rate it looks like I will be paying for 5 more years. How is this possible? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: there are XXXX accounts on my credit report XXXX- XX/XX/XXXX mortgage loan .. closed short sale- bank agreed not to report. 
XXXX reported XXXX XXXX XXXX balance O .. from 13 years ago.. creditor closed my account was never late. 
XXXX/card- bal o reported 11 years ago XX/XX/XXXX card was stolen .. closed still on report. never late. 
Transunion and XXXX reporting these accounts. they need to be removed.. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XX/XX/2015 I open a checking and a savings account at wellsfargo, location branch, XXXX ga, in XX/XX/XXXX a separate checking and savings was open in my name using my personal information by a representative of wellsfargo in XXXX ga branch, the original account numbers for the accounts I opened is these are the accounts I opened up XX/XX/2015 I personally opened .these accounts in XX/XX/XXXX was opened fraudulently by a rep in wellsfargo the rep even called me on the phone and told me he had opened these accounts we had argued I told him he illegally open theses accounts with out my consent or permission he used my personal information, this guy gave me a problem and the manager did not wanted to help I tried to report it, I was blowed off nobody wanted to help, I even tried calling on the phone transferred constantly to different departments and hung up on and treated badly by reps, I have been in branch several times to talk to the branch XXXX every time she was unvailable and ignored the fact that identity fraud had accured .i have been having problems with wellsfargo about this I have discussed the situation with law enforcement and a couple of attorneys, the damage has been done theses accounts were opened and my information used wellsfargo needs to settle this if I do n't get a response I will proceed to discuss with an attorney about this case, the situation has not been rectified, I am holding wellsfargo responsible for this action, I have talk with wellsfargo over the phone the only thing I 'm being told is that theses accounts would be removed from my profile and out of my name this still does not rectify what 's happen the moment the rep used my information the damage was done, have been getting nothing but hassle and nothing resolved like I 'm being brushed off and treated badly I 'm tired of it or I will also file with different consumer agencies and report this to a few news stations, I will file this situation with, CFPB, FTC, GOFCP, please resolve 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a new telephone number when I bought a house last spring. Obviously, the persons before I got this number owe everywhere. I received LOTS of calls for them and most companies have quit calling. However, ERC keeps calling and leaving automated messages regarding a debt. I have spoken with them NUMEROUS times to remove my number. Even being polite with them, I have been ignored and hung up on in mid-sentence. I do n't know what else to do. This is absolutely not my debt and I have no idea who the people are they are trying to reach. Again, the company is called ERC. Their number is XXXX, and the reference number they left is XXXX. My phone number that they keep calling is a landline XXXX. I work out of my home and I use this line for business, fax, etc. Please help me stop these calls because I do n't know what else to do! It has taken valuable time out of my work day every time I have to answer, call back, delete messages, call them back and so on and so on. This has been going on since XXXX 2015. Just got called again this morning. 

Thanks and have a great day. 
XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The company Fortiva has provided misleading information when it comes to submitting online payments and their customer service is horrible. I normally pay all my credit cards online because I feel safer if I am able to submit an online payment. Every time i have tried to submit a payment online the website it always under maintenance no matter what time of day it is. Which leads me to believe that this method of payment is not available. This is very misleading as mentioned on the statement this is a method of payment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We get many calls from debt collectors looking for XXXX XXXX at our home phone number XXXX XXXX XXXX XXXX. We have had this number for over 10 years. The latest calls come from XXXX XXXX Mi and say to call them back at XXXX 

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