AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had a bank account with Wells Fargo for about 4 months that ended XX/XX/XXXX, due to a check that was issued from an account I had at XXXX XXXX XXXX that was being closed sent directly from XXXX XXXX XXXX to Wells Fargo, never was I notified about this check. The Wells Fargo Account was closed because they said that said check boucnced and they have XXXX tolerance for this kind of thing. I went to a branch in XXXX Texas and withdrew the entirety of my funds left in my account and was told by the banker that it was closed. This was on the XXXX of XXXX. 
I receive XXXX and SSI Payments from Social Security every month. I had my DD going to my wells Fargo account, and was in a bind at this point because all of my accounts had been closed. I tried to get another bank account but found out that Wells Fargo or XXXX XXXX XXXX put my name on a list with a company named XXXX, and I was unable to open a bank account anywhere to have my SS payments for XX/XX/XXXX go to. Finally at the last moment a friend allowed me to use his account and I set it up with Social Security, but it was already too late. They told me the funds were still going to be deposited into the Wells Fargo Account. I contacted Wells Fargo and they told me that it would take XXXX business days for the funds to be returned to the depositor after being rejected from a closed account. So I waited and still no funds in the new account with my friend and SS stating that they had been deposited. I called Wells Fargo back and this time they told me that the funds should have immediately been sent back to the depositor because the account was closed and that was the law. But they did not see any DD go into my closed account at all as of that time, which was now the XXXX of XXXX. 
My checks are lost. I believe that Wells Fargo has them and would like them to release me my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: helloFirst I 'd like to let you know that removed my full name leaving only initials for security purposes. 
I am contacting you with regard to XXXX rewards card. 
This card classified my payment as late from XX/XX/XXXX ( saved the webpage for your records XXXX. I reviewed the account and I can see that I modified my payment method on XX/XX/XXXX XXXX an email was sent to me ) below is the details : Type : ModifiedReference ID : XXXX Date : Monthly on the day of your payment due datePayment Amount : Minimum payment dueBank Account Name : XXXXAfter payment method modification, the monthly statement ( which is attached for your records ) was issued for the following statement Billing Period : XX/XX/XXXX - XX/XX/XXXXIt clearly statesActivity for XXXX XXXX - card ending in XXXX Date Posting Date Transaction Description AmountXXXX/XXXX XX/XX/XXXX Payment Received BANK OF XXXX - $ XXXXThis clearly states that the credit card company received the payment on XX/XX/XXXX yet informed me that the payment is late. 

Moreover, when I login on the credit card personal webpage ( on XX/XX/XXXX ), it states that the payment is overdue last payment received {$25.00} XX/XX/XXXXI had a similar story with this credit card company XX/XX/XXXX which obviously had issues with their website and they reported my payment as late XX/XX/XXXX. During that time I had problems with Auto payment enrollment confirmation and this credit card company reported my late payment to credit bureau which negatively impacted my credit history. I wrote them nicely to ask to correct the issue but they refused to help me. I am attaching my credit report which shows that I never been late on any other credit card yet XXXX rewards card is causing me a lot of trouble. I was unable to receive good credit cards as well as obtain a credit because of these issues. 
I am an elderly person and the whole story causing me a huge distress. Please help. 

Thank you and XXXX bless you 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a call from the number XXXX saying "this is an attempt to collect a debt on my name from Focus Receivables Management" and that I should call back at that  number.
I know I  do not owe any debt.
Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I paid my XXXX XXXX credit card off XXXX months ago and still not showing it. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a hard inquiry from XXXX XXXX. I have never been there and have never applied for credit through them. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX at XXXX, XXXX XXXX, calls claiming to represent Cashnet. I have not received written documentation from this company, only a verbal claim that they represent CashNet USA. 

Even worse, this man called my son on his cell phone! My son is in no way connected to this situation. Yet this man threatened him with legal action, garnishment thru his employer and more. 

Is a debt collector permitted to call any number he so chooses??? 

Please also note that I have contacted CashnetUSA a number of times over several months asking for written documentation as to whom represents them. I have not rec ; d anything. 

Is it not my right to know whom I should pay? 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Very Arguementive, Recording without permission, have told several times to quit calling and have told to quit recording and they still do anyhow. they call about a bill that was supposedly 4 years ago but just now getting ahold of me, Falsely making reports that they have talked to me before ( at times I was not home ) Representing companies that they are not. They call several times a day /week 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I paid off a charge-off checking account with XXXX bank for XXXX on XX/XX/2015 and it does not reflect on my chexsystems. I tried to open another account and I was unable to since it still shows as unpaid.
Company response: Company chooses not to provide a public response
Consumer complaint: Attempted to electronically payoff Bank of America HELOC, funds were sent from my primary bank, XXXX. After XXXX days, and confirmation from XXXX that funds had been sent, BoA claimed they had not received the funds ( told me it had likely been lost in mail ) and to cancel payment and resend. I cancelled the check on XXXX XXXX. 
For my XXXX attempt, I mailed a check with payment stub to payoff majority of account. Payment of {$10000.00} was debited from my XXXX checking account on XXXX XXXX. I called BoA on XXXX XXXX to understand why the HELOC had not been credited at which time they told me they had no record of the payment. I faxed copy cleared check to BoA and am waiting for resolution. 
My concern is that I did not " Recieve Prompt Credit for Payment '' which was debited from my account. Under most conditions, I would not have resorted to this level of escalation, but this has been drawn out for a month with little to no assistance from BoA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I cancelled my membership with XXXX who changed name to XXXX. My account was closed when it was XXXX and I do not owe a balance. I require the account to be removed completely from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a texted phone number on my phone. I called and it was Wells Fargo Bank asking if I wanted to reopen the credit card application. I stated I did not apply or open a credit card account with their bank. I was asked a series of personal questions to validate my identity. I only answered yes and that was my phone number which matched what they had. The other information was not me. The bank representative stated I contact my bank and all the credit bureau to place an alert. I proceeded and put an alert on my developed credit. No other transactions were done to my credit cards or any other accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a recent graduate from XXXX University in XXXX and I have been trying to stay on top of paying my students loans to maintain and grow my credit. Sallie Mae, their headquarters is located in XXXX, has continuously taken advantage of me because I am a XXXX recent graduate. In the beginning they were not clear about payments fluctuate due to interest rates after graduation. Then their website was not clear about when payments were due. Now they are claiming that I have not made any payments and that I owe over a thousand dollars for XXXX loan, when my cosigner and I have been making consistent monthly payments. The payments are evident on our bank statements as well. This has been going on for far too long. I 've called and have spoken to a number of individuals that work for the institution. They can not take advantage of be because I do not possess economic capital. Additionally, my interests rates are criminal. I took out XXXX loans, XXXX has a 9 % interest rate, the other 8.5 %, and the last one has a 8 % interest rate. Not only did they refuse to consolidate the XXXX they are not clear about how much and when payments are due. My cosigner and I pay and call every single month because there is always a problem with information and how much money is owed. Last time there was a bunch of money left over from early payments on a loan and that was not conveyed at all until I continuously called. I am a recent graduate for XXXXsakes that 's trying to do the right thing by paying my loans on time and I am the process of becoming a teacher. Sallie Mae has place a huge financial burden on my family significantly and has impeded my ability to properly invest in myself and my future. Many families use Sallie Mae to help fund their children 's education and to know that this private loan provider will stoop so low and take advantage of recent graduates that are trying to do they best that they can to pay their loans is ridiculous. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife and I obtained a Home Loan from Bank of America XX/XX/XXXX in XXXX, XXXX We refinance our loan with the SAME bank, Bank of America XXXX to a lower interest rate. We PAID ALL THE FEES Bank of America requested for the refinancing transaction. XXXX HAVE BEEN LATE with our monthly responsibility payments for our mortgage to Bank of America since we obtained our Home Loan in XX/XX/XXXX as well as when we refinance it with them. After 6 years of punctual monthly payments to Bank of America, our monthly payment amount was decreased about three hundred fifty dollars ( {$350.00} ) .This was due to the calculations Bank of America did based on the amount we paid them in 6 years since we obtained our Home loan. Last month, in XX/XX/XXXX, we received a letter from XXXX. This letter dated XX/XX/XXXX, indicates that our mortgage have been transferred to this institution, XXXX and ALL OF A SUDDEN WE ARE SHORT IN OUR ESCROW BALANCE, THEREFORE, THEY ( XXXX ) ARE INCREASING OUR MONTHLY PAYMENTS TO XXXX XXXX XXXX DOLLARS ( {$150.00} ) MORE. My wife and I had never received any prior notification, much lest any CONSULTATION from Bank of America regarding the selling of our Home Loan to a different Institution. We choose Bank of America as our Mortgage Bank BECAUSE OF THE TERMS AND CONDITIONS THEY OFFER US when we apply for our Loan. We had never hear about XXXX before and WITHOUT NO CONSENT from my wife or myself, Bank of America transfers our Mortgage to this other Institution. Evidently, Bank of America is profiting from this FRAUDULENT LOOKING KIND OF TRANSACTIONS. Under any circumstances our Government should allow these Institutions like Bank of America to abuse and take advantage of customers like my wife and I who work hard to fulfill our financial responsibilities. It seems that Bank of America is practicing AGAIN the same kind of deleterious banking practices that many Institutions like them irresponsibly incurred in the near past and brought our country into the most serious financial collapse in recent years. We trust our Government as the REGULATOR AND PROTECTOR of the people against the pattern of arrogance and abuse this Financial Institutions like Bank of America and many other irresponsible ones have. Please advice me and make us feel thatwe can still have TRUST in our system. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, My name is XXXX XXXX, I have a serious issue with my credit. Since I was XXXX ( I 'm now XXXX ) there have been " error '' messages every time I attempt to get any sort of credit card or loan. This has happened at least XXXX times over the past 4 years. When these companies use my Social Security Number to get my score they can not receive any sort of information from the credit bureaus. I have attempted to get a free credit score from some of the larger websites such as XXXX and I still do n't get any information. I 'm not exactly sure what Bureau has the issue with my information or if it is all of them but I do not know the first place to start when it comes to this issue. I really hope that someone can help me or at least point me in the right direction. Thank you for your time. My email is XXXXXXXXXXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have a loan with XXXX. It shows up on our credit report as a credit card. They will NOT accept a payment via a credit card, only debit or, their preferred method, direct access to our bank account. We have thoroughly reviewed our agreement and the payment options on THEIR website, and it does NOT say that credit cards can NOT be used for payments. Upon making a payment, by debit card on the phone, only a confirmation number is given, with no way to request or print a receipt. They do n't give receipts, not even by email. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We refinanced our home in XX/XX/XXXX. The mortgage broker committed fraud. Upon discovering the fraud we worked with XXXX fraud department to prove that, we were successful. Attempt after attempt was made to modify the loan. The mortgage meltdown happened and then the XXXX settlement. We had a XXXX and XXXX trust. XXXX did a trial mod on the XXXX. When we made the last payment on the trial mod, they then violated the XXXX settlement and gave servicing rights to SPS on the XXXX trust. After a year they then transferred the XXXX to SPS. There is no proper chain of title. The banks have further committed fraud and then filed for foreclosure and now are starting eviction process rather than waiting for determination on finding from CFPB on allegations. This agency is supposed to be XXXX that is here to help the consumers. I 've watched the video by XXXX XXXX, saying you are here to help. I have further documents, which I was told I have to file a new complaint rather than add to the existing complaint. That does not seem very efficient, but I 'm going to do whatever I have to make this story heard. The banks have waited for the " news '' to quiet down about the frauds and stealing people 's homes, and then they have gone back to business as usual. It 's time for someone to step up and stop them. These loans were securitized in XXXX. The notes have been lost or destroyed. The assignments were not done at the courthouse until XX/XX/XXXX, which is six years after the trust had closed. The Trust law states it must be done within 90 days of that closing date in order to be traded on XXXX XXXX. Then they claim XXXX is the keepers of the Record. XXXX as of today is still showing XXXX XXXX XXXX and inactive. They are not keeping the records concurrently which is yet another violation. These banks are just stealing people 's homes, and it must be stopped. I will say that we had diligently tried to work with XXXX and XXXX to modify these loans. By the time XXXX violated the XXXX Settlement, we knew they were not going to do the lawful thing. In going over my documents to send in, I note that they claim XXXX as the keepers of the record and Trustee, but on my loan documents it has XXXX with a specific address in Virginia, not XXXX. This whole thing has been fraud after fraud. I implore you to thoroughly investigate this case and STOP them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is no record on my credit report that I have been making mortgage payments to XXXX XXXX for the past four years. The last payment listed in my credit report is XX/XX/XXXX. In fact, my payments are up to date as of XXXX, XXXX. Additionally, I should add that my mortgage payments were not affected by my XX/XX/XXXX bankruptcy agreement. 

Company response: Company chooses not to provide a public response
Consumer complaint: We recently applied or and are receiving an Equity Line of Credit loan. The Credit Union has granted our application - but sent us our scores which are XXXX and XXXX. The reasons why we received deductions are not true. 
When we called the Experian, there was no option for dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: I cosigned a loan for my daughter who lives XXXX. Citibank was not sending statements or correspondence regarding this loan. When my daughter called to make a work out because she does not make enough money they denied her request. We made numerous attempts to work with them for a better payment plan with their suggestion. They would have us submit everything then say she was not eligible. We spoke to them in XXXX of 2015 and said we would pay as much as we could each month and hope to consolidate the loans, they said we were NOT in danger of default as money has been paid. Last month we received a letter from a lawyer saying the loan was charged off. I am the cosigner and was never notified or given a chance to bring it current for my daughter. I have contacted them via phone and letter ( see attached ) they have been rude and unwilling to discuss this with me, only stating that a letter was sent. They can not provide any information as to how the letter was sent and why I was n't notified. They only informed us that they do not negotiate with students that live XXXX. I am the cosigner living in the US and they would not assist me but are damaging my credit. I cosigned in good faith and the bank did not notify me of any issues with the loan. 
I have sent letters to Citibank which all went unanswered, when I phoned to inquire I was told there is nothing the bank is willing to do. I have a payment history and have been making payments which I thought were in addition to payments they were receiving which would have reduced the interest. Since Citibank has failed to notify me as the cosigner they did not give me the option to assume the loan as I committed to. I 'm very upset with the lack of response and support. More than XXXX has been paid on this loan, it is not as if this loan was ignored. I should have been notified. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX I pulled my credit report and there was a collection on my account for {$20.00} by Certegy Check services. I contacted their office in XX/XX/XXXX via the telephone, XX/XX/XXXX by mail, XX/XX/XXXX by phone, XX/XX/XXXX by phone and XX/XX/XXXX by telephone to no avail. The identified the debt as XXXX XXXX XX/XX/XXXX. 

I do not have any responsibility for the debt they are trying to collect. I have contacted the XXXX and was told I have {$0.00} outstanding items with them and confirmed with my bank that there were {$0.00} overdraft/NSF charges in XXXX. I attached bank statements showing the amount charged cleared the bank. I contacted their office and spoke to a manager after I was hung up on XXXX times. She claimed I had XXXX outstanding claims with their office. 

I requested in writing on XXXX XXXX : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. This is including proof of the initial debt, my authorization to collect the initial debt, proof of your license into collect in the state of XXXX and XXXX. 
I received a response to my letter dated XX/XX/XXXX saying they are unable to provide a copy of the check because it was an electronic. They also indicated that it was dishonored by my banking institution which is not the case. I provided my bank statements and match the amounts in question. 

Company response: Company chooses not to provide a public response
Consumer complaint: Purchase house in 2005, value at that time {$220000.00}, value now around {$200000.00} ; at time of purchase with Bank of America, HELOC used as part of purchase, {$46000.00}, HELOC at XXXX yrs., paid around {$24000.00} in interest/XXXX., for next XXXX yrs. to pay $ XXXX/mo., for additional {$75000.00}. Bank unable to refinance for lower and fixed interest due to value of house. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a system from XXXX XXXX as a free trial for {$24.00} and returned it to the merchant before the trial period expired since the merchandise was defective. The merchant never returned the initial amount of purchase but then charged me for the next month supply ( which I never received ) as a recurring fee of {$69.00} and I disputed the transaction and told them I have already returned the system and they should n't be charging my card with any recurring fees because I wanted no business with them. All I know after that I started receiving calls from a collection agency named Monterrey from which I have never received any mailing stating why they are charging me the amount of {$590.00} reflected in my credit score or how to dispute this transaction. They are harassing me with calls at anytime, even when I have told them to stop calling me at work, they got my house phone number even when I never gave out this number and have n't stopped calling me since. I called the original merchant for an explanation of why they are charging me that amount when they have the system back and they just blew me off telling me I need to talk to the collection agency. I 'm seriously considering a civil action against the XXXX companies for unlawful business practice ; they are charging me for an amount they have n't disclosed in detail why I owe them, then harass me at any given time they feel like calling me, I have asked them for a detailed explanation of the " debt '' and as a consumer I have not received any plausible explanation of this so called " debt ''. It 's been a year since I first purchased this merchandise and returned it, and it 's getting to the point that they are ruining my life with this issue, they will wake me up my sleep with calls. Please help me with this matter, I do n't know what else to do. Thank you. 

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