AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: First let me mention we have been using Bank of America credit cards for ten years and have never missed or been late with a payment. Recently we were offered new cash back cards. I cards in the mail arrived promptly as well as an email telling me that the was a {$6500.00} made to the XXXX in Arizonan, I contacted the fraud department, they investigated and canceled the new cards, When I new I was getting new cards I paid off the original old card {$2600.00}. I checked my statement online and found they had taken the payment out of my checking account twice, They said the would reverse the double payment and return the amount off {$2600.00} ASAP. This left us with {$410.00} in checking to pay our monthly bills. Note were on Social Security with small pensions. 
We contacted BOA several time going for teller to manager to department heads. We were told over and over again that it would take 5 to 7 business days to return the money to our account. I asked the managers at BOA if they were going to be responsible for any late charges because they had drained my checking account by withdrawing, they said no. 
I am very disappointed with BOA, they made the mistake and we have to suffer for it. 
What can I do to get my money back before it effects my other financial commitments? 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed up for XXXX XXXX 2015. I provided them with a debit card number ending in XXXX. I was not aware that my XXXX month subscription would automatically renew until I saw an additional charge debited from my account on XXXX XXXX in the amount {$110.00}. The card that I provided to them in XXXX 2015 was deactivated XXXX 2015. I never provided XXXX with the card number for the new debit card because I just assumed that once my XXXX months were up that my subscription would just end. I contacted XXXX and they refused to refund my money. I contacted Bank of America where the account is located and filed a dispute. They informed me that XXXX has the ability to provide them updated information even though I did not provide that information to merchant. I have never heard of such a thing. My account is now overdrawn because of a charge that I did not authorize. 

Company response: Company chooses not to provide a public response
Consumer complaint: I request that the CFPB investigate Citi 's failure to properly handle and investigate a fraudulent and unauthorized charge that was made on my Citi account ( ending in XXXX ) for {$3500.00} on XX/XX/XXXX ( see Exhibit A in attachment ). I have been the victim of a fraudulent scam that has caused significant emotional and financial hardship to me and my family. I am being charged for XXXX XXXX License from the XXXX ( XXXX ) that I never agreed to purchase and that was never issued to me in my name. For more information about the fraudulent charge, please see the billing dispute letter and accompanying exhibits A through M attached below. 
XX/XX/XXXX, I called a Citi representative and notified them of the fraudulent charge on my Citi card of the fraudulent charge on my XX/XX/XXXX billing statement. I was told by a Citi representative on the phone that they would investigate the matter and refund the charge. Pending the investigation, Citi credited {$3500.00} back to my account on XX/XX/XXXX ( see Exhibit B in Attachment ). On or around XX/XX/XXXX, I received a letter from Citi notifying me of the pending investigation ( see Exhibit C in attachment ). XX/XX/XXXX, as a result of their investigation, Citi provided me with a copy of a letter from the XXXX explaining that the " license was issued '' despite the fact that I never received or was issued a license under my name ( See Exhibit D in Attachment ). On XX/XX/XXXX, I submitted a second written billing dispute letter in which I again explained that I was charged for XXXX licenses that I never agreed to purchase ( See Exhibit E in Attachment ). On XX/XX/XXXX, I filed a third billing dispute to Citi requesting that Citi investigate the matter and provide me with documentary evidence of the unauthorized transaction pursuant to 12 CR 1026.13 ( f ) ( 2 ) ( please see attached dispute letter and accompanying exhibits A through M ). 
In response to the second and third billing dispute letters, Citi has failed to provide me with a written acknowledgement of my letter ( 12 CFR 1026.13 ( c ) ( 1 ) ) and has failed to provide me an explanation that sets forth the reasons for Citi 's belief that the billing error alleged by the dispute letters is incorrect in whole or in part ( 12 CFR 1026.13 ( f ) ( 1 ) ). They have also failed to provide me with copies of documentary evidence of the unauthorized charge for {$3500.00} ( 12 CFR 1026.13 ( f ) ( 2 ) ). 

Company response: Company chooses not to provide a public response
Consumer complaint: Called harassing me at work when I am not allowed to receive personal calls at work. I've never heard from this Company or received any messages from them on my cell phone, email or mail. Asked XXXX at ext XXXX to remove my work number from her file.
Company response: Company chooses not to provide a public response
Consumer complaint: I submitted proper documentation to Experian about an account that is no longer allowed to be reported on my credit. The credit report that was sent to me by Experian on XXXX XXXX, 2015 stated plainly that the account in which I disputed was to continue on my report until XXXX 2015. After a few days in XXXX I reached out to Experian to have the matter cleared up only to be informed that they would not investigate any further, period. I am reaching out to you for assistance because as of XXXX 2015 and a dispute with both XXXX and XXXX for the same collection account, these negatives have since been removed from their records. I also forwarded proof of this to Experian to shorten the process in getting this account off of my credit report and they are refusing to uphold the law of reporting timeline accuracy. I am in the process of trying to purchase my first home and Experian 's disregard of the law is causing me and my fiance a lot of unnecessary pain and suffering. I have proof of deletion from XXXX direct dispute and I also have the Experian report stating the expiration date of this negative item and will also include credit report from both XXXX and XXXX proving that this account is no longer being reported, I just need Experian to do what is right in this situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I originally filed an identity theft report ( FTC and police report ) XX/XX/XXXX. XXXX and XXXX corrected and updated my credit report accordingly. TransUnion had up to XXXX business days after the acceptance of the identity theft report to block my information pursuant to FCRA 605B. The unverified items that are reporting on my credit report were never blocked or investigated ; TransUnion only parroted that they were verified. I sent another letter on XX/XX/XXXX once again stating that these items must be deleted, and again they were not. Again I wrote on XX/XX/XXXX and nothing happened. I sent a debt validation letter on XX/XX/XXXX and was only told that it was verified again. I included in this letter that the CRA must send me the documentation as proof of verification and validation of the debt. I sent my XXXX and final written request on XX/XX/XXXX. I will be sending out an intent to sue in XXXX days. I also called TransUnion and spoke with someone there. I have her direct information if you would like it. She told me that TransUnion does not need to provide documentation, and this violates my rights, as these accounts were then never verified. All of my requests have been ignored and I intend to pursue this to the full extent, as these accounts are unverified and do not belong on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX inquiries on my credit report from XXXX that shows opened. They have been taking care of as of 2011 and need to be shown closed Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have credit monitoring and noticed a " collection '' noted with TransUnion. The information is as follows : XXXX account reported on XX/XX/XXXXXXXX account reported on XX/XX/XXXX ClosedAccount # 1 $ XXXXBalanceXXXX XXXX2 XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXXOpened DateXX/XX/XXXXLast ReportedIndividualResponsibilityPaid collectionThis information is completely inaccurate. I 'm not sure what it even represents and would like it removed from my TransUnion credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: This is about Green Tree again. Everyday for the last 2 years they have called me and my husband stating that we are behind on our house payment and we let our insurance laps, which most of the times the house payment had already cleared my bank or was pending at the bank to clear, the insurance that they say has lapsed did not lapsed, I bought my own insurance from a local company in town, and the local company faxed the proof of insurance XXXX times to Green Tree, which Green Tree states that they never received, so it was then mailed to Green Tree and they still claim that they did not get anything. When our mortgage was XXXX sold to Green Tree in XX/XX/XXXX or XX/XX/XXXX { that has been too many years ago } we were 1 month behind on our house payment and I gave Green Tree permission to take out XXXX payment out of our checking account, well needless to say they took XXXX house payments out and over drafted our account, and Green Tree would not refund the money or the over draft fees, so we learned the hard way on that. As of today Green Tree has called both of us XXXX times and the lady was wanting to know when we would be moved out so they could come and change the locks to there property. The phone calls from Green Tree every time they call are rude and threatening to take our house. I am to the point to just give up. I want something done to these crazy people. We are tired of them calling us and they never give up. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: BOA sent me a modification letter becuase of my military service which I beleive was driven by their prior settlemetn with DOJ. I signed form and submitted it along with payments as instructed. After BOA automatically took out XXXX payments they stopped and when I called to ask what happened I was told I was in modification and could not make any payments. Since then BOA has not allowed me to make any payments and everytime I call they tell me they want new info etc ... Once I send the information I will keep getting mroe requests for more information until now they have initiated foreclosure. I am XXXX military and XXXX so it is on hold. I also have hired a lawyer but ti does not seem they have gotten anywhere with BOA either. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello,

Professional Account ManagementXXXX is repeatadly contacting me threateaning to file a report with the Credit Reporting agencies despite the fact that I provided them with a written notice disputing the validity of the debt withing 30 days of original notice.

Their Acct # for me is XXXX
Their phone # XXXX
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Beginning during XX/XX/XXXX a collection agent called asking where I could meet their " process server because they were going to sue me for {$800.00} that I owed XXXX XXXX XXXX ''. According to XXXX XXXX. I owe them nothing and all accounts that I did have were closed and paid in full. Demanding that I pay the full amount at XXXX. They gave me no information about who they were or who they represented. They are so persistent that they have called my cell phone at least XXXX to XXXX times a day if not more. When I asked for an address they refused to give me one. Because of their actions, I felt that in order to obtain the company name and address I had to set up a payment arrangement so that I could obtain an address. ( exhibit # XXXX ) These statements clearly shows that AFS 's actions cause Duress as stated in 18 Pa. C.S. 309, Entrapment 18 Pa. C.S. 313, by threats of a lawsuit. By not first telling me who they were or why their actions so that I could properly investigate and ask questions their actions clearly violate Pa C.S.18 3922 Theft by deception, Pa C.S.18 3923 Extortion, Pa C.S.18 4114 Securing execution of documents by deception, Pa. C.S. 18 4107 Deceptive or fraudulent business practices. 
On Friday XXXX XXXX, 2015 they once again called demanding {$800.00}. Since I will not deal with them directly they have started calling my wife XXXX XXXX, demanding the money out of her saying that they would sue and put a record judgment on me if the full amount was n't paid that day. The individual that spoke with her gave her, not only my name and social, but her full name and social security number as well. In the arrangement they give no name of the prior lender, no account number, nothing. They have called my place of business ( XXXX XXXX in XXXX ) XXXX as well as my wife 's place of business, ( XXXX XXXX XXXX ) where she is XXXX. On XXXX XXXX, 2015 I received this email ( exhibit # XXXX ). On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX called XXXX XXXX which is my place of employment tonight looking for me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX XXXX is refusing to delete derogatory information from my Trans Union Credit Report until XX/XX/XXXX. The account was charged off in XX/XX/XXXX and has been paid in full. Attached is a copy of my report showing that XXXX XXXX account # XXXX is not set to be removed until XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: My original loan was with XXXX who sold out to XXXX XXXX XXXX who sold my loan to GreenTree Mortgage AFTER I went through the process of a mortgage reduction program. I had to file a complaint to get my reduction program loan closed because they were holding my entire financial world in limbo for over a year, hurting my credit, when a loan should be closed within 30 days. It was ridiculous but it helped eventually because we get {$1000.00} cut from our principle ANNUALLY if we pay on time and I do BUT now that it 's been transferred to GreenTree, they are intentionally trying to make us late on payment by not sending us our invoice in time. I have been paying ahead of the invoice because I never receive it in time to prevent late payment which is a HUGE XXXX BUSINESS TACTIC. Even though I sent my payment ahead of invoice receipt last month, the payment was n't posted as received until seven days after it was due on the first which is a lie. They are trying to cheat me out of the program 's {$1000.00} annual principle reduction. This whole program is XXXX trickery and I want the fined to the hilt for what they are doing to us. There are XXXX of us on these loans and I 'm CERTAIN that I am not the only one suffering this. Make them give us what they promised because we are never late on our payment. They 're MAKING us late on PURPOSE by holding invoices and payment on receipt in order to prevent having to keep their promise of annual principle reduction of {$1000.00} for on-time payments. Regardless, I want my invoice sent out ON THE DAY they receive a payment to prevent it ever been later than the payment due date again. This is insane. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear CFPB, I contacted you awhile ago about a mistake on my credit reports. In XXXX of 2013 I decided to try XXXX XXXX for a XXXX month trial period. I paid, use their service ( while still keeping my account with XXXX XXXX open ) and found I did n't like it at all. I closed this account, paid what was a small bill since I paid the other bills beforehand. Remember, I never closed my account with XXXX so I never had to reopen this account. I told them to come and pick up their equipment. Never happened! Since I paid the last of the bill I owed, I assumed this was it. They said they would send someone out to pick up the equipment, and that never happened! Then I called again and they said they would send boxes to me to send their equipment back to them and it never happened! Just trying to tell you what type of company I was dealing with. I have worked hard at getting my credit reports clean and paying all bills on time and mind you, never making the minimum payment. As you can see if you check my reports. Everything is paid on time if not before time. I found this on my credit report last year! Was shocked to see a {$67.00} bill on there from them since I paid the last of their bills many, many months ago! I have tried to no avail to get this removed from my reports. Calling XXXX, sending them emails, etc. I have also disputed this many, many times with the credit reporting agencies to no avail. I finally gave up and paid a bill that I DID NOT owe. I just wanted it removed from my reports since I have worked so hard to get where I am. ( all of their equipment : my wife, who broke her back before this, had to track through the mall with all of this heavy equipment to drop it off at a XXXX store. ) I do n't know where to turn. I just want justice. I ca n't seem to get anywhere with XXXX. I see many of these complaints! I just want this removed from my credit reports. They 've had all of their money ( plus more ) for quite some time now. There is no reason to do this to innocent people. I have been a customer of XXXX for many, many years and have never had a problem with billing. Please help me remove this from my credit reports. I feel I 'm being targeted because I did n't like their service. I get numerous advertisements in the mail from them to this day. If I had done what they accuse me of, I do n't think they would want me as a customer. If you need anything, please let me know. I have photos from my reports. I do n't care if I have prime credit cards, it 's the principal. They are just making me look bad in the eyes of creditors. This seems very unfair. Not good business practice. Thank you for trying to help the XXXX time, as a result, XXXX has removed this but Experian and XXXX have not. I have other screen shots but I 'm not sure I can upload anymore than XXXX. Please let me know if you need any additional ones. 
XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Shellpoint Mortgage Servicing sent letter dated XXXX/XXXX/15 advising that we have not provided all documentation for loss mitigation program. I have questions and I have called XXXX XXXX at Shellpoint every business day for six days. Her voice Mail says she will return the call within 24 hours. She has not returned my calls. Her message says press XXXX for further assistance when I press XXXX the message says No one is available to help you, call back. Shellpoint has given us a deadline to submit documents yet it has been six days of daily telephone calls and leaving messages with NO RETURN calls from XXXX XXXX or anyone else at Shellpoint Mortgage Servicing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: wells fargo is damaging our credit by stating we are behind on our mortgage when we 're not.rreason for this is because they claim they under estimated our escrow account but never sent us any notification of this! we contacted wells fargo to see why we keep receiving notifications that we are behind on our mortgage, the customer service rep explained, did a conference call with a rep in the escrow dept & he verifyed this information as well that nothing was ever sent out to us regarding a mortgage increase because of our escrow.this is just XXXX of the many problems weve had with wells fargo being misleading, dishonest, unfair bussiness practicing & not upholding to their introduction on their customer service line when it comes to calls are being monitored & recorded b/c most of the customer services never document anything especially if wells fargo is in the wrong! i dont think this is fair that we the customer has to pay in so many because of their noncommunication, miscalculations & common sense should tell them that if a customer is paying their agreeed to monthly payments, then maybe there is a issue that needs to be addressed XXXX instead of slamming a customers credit! 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB, This is the XXXX of my disputes with XXXX. I would like this negative information removed from my Transunion credit report also. Like I stated in the XXXX dispute with XXXX, this is NOT TRUE. XXXX received all of my payments. As you can see from my credit report, they did not put this on my report until many, many months after I had this paid in full. I just want the truth on my report. This is an unfair practice which I see is rampant. Sorry for writing XXXX disputes, but I have XXXX credit reporting agencies to go! Thank you for removing the negative information on my XXXX report. Please help me with the last XXXX. 
Thank you for your help. 
Regards, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I request that the CFPB investigate Sears ' failure to properly handle and investigate a fraudulent and unauthorized charge that was made on my Sears account ( ending in XXXX ) for {$7000.00} on XX/XX/XXXX ( See Exhibit A in attachment ). I have been the victim of a fraudulent scam that has caused significant emotional and financial hardship to me and my family. I am being charged for XXXX XXXX Licenses from the XXXX XXXX that I never agreed to purchase and that were never issued to me in my name. For more information about the fraudulent charge, please see the billing dispute letter and accompanying exhibits A through J attached below. 
On or around XX/XX/XXXX, I notified Sears of the fraudulent charge on my XX/XX/XXXX billing statement. Pending the investigation, Sears credited {$7000.00} back to my account ( See Exhibit B in Attachment ). XX/XX/XXXX, Sears provided me with a copy of a letter from the XXXX explaining that the " license was issued '' despite the fact that I never received or was issued a license under my name ( See Exhibit C in Attachment ). On XX/XX/XXXX, Sears re-debited the {$7000.00} charge from my account. On XX/XX/XXXX, I submitted a XXXX written billing dispute letter in which I again explained that I was charged for XXXX licenses that I never agreed to purchase ( See Exhibit E in Attachment ). On XX/XX/XXXX, I filed a XXXX billing dispute to Sears requesting that Sears investigate the matter and provide me with documentary evidence of the unauthorized transaction pursuant to 12 CR 1026.13 ( f ) ( 2 ) ( please see attached dispute letter and accompanying exhibits A through J ). 
In response to the second and third billing dispute letters, Sears has failed to provide me with a written acknowledgement of my letter ( 12 CFR 1026.13 ( c ) ( 1 ) ) and has failed to provide me an explanation that sets forth the reasons for Sear 's belief that the billing error alleged by the dispute letters is incorrect in whole or in part ( 12 CFR 1026.13 ( f ) ( 1 ) ). They have also failed to provide me with copies of documentary evidence of the unauthorized charge for {$7000.00} ( 12 CFR 1026.13 ( f ) ( 2 ) ). 

Company response: Company chooses not to provide a public response
Consumer complaint: HRRG called to request payment on a debt. I requested verification that the debt is valid. They refused to provide statements or any other means of verification. In addition, they spoofed their called ID to make it appear they were calling from XXXX, CO when they are actually in XXXX, XXXX - Deceptive 

Company response: Company believes it acted appropriately as authorized by contract or law