AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have been cheated by Wells Fargo! They were to set me up on an interest free payment plan, and I trusted them to do that. However, they set me up on a payment plan that took me way beyond the interest free date and even though I paid more than was required each month, I 'm now stuck paying almost {$300.00} in interest, as well. Wells Fargo really sucks! I will avoid doing business with them in the future. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2015 I placed an offer on a short sale home. I was told that US Bank ( mortgage holder ) requires 90 days to review the request. We are now approximately 214 days out without a response from the bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus Experian, XXXX and XXXX and any finance and other charges related to the fraudulent, as well. 

I have previously sent you a request to validate our debt under Texas XXXX XXXX and all I received was an itemized list of the alleged charges you claim I owe you, which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas XXXX. This does not meet the Texas XXXX XXXX guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for XXXX, Experian, and XXXX. I am attaching a copy of the original DV letter with the Texas Code on it and will be contacting the Texas XXXX office on your non-compliance and XXXX. I have listed below how you are not meeting the Texas XXXX XXXX. 

Please note XXXX Experian, and XXXX are bonded in the state of Texas and are required to comply with Texas XXXX XXXX. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas XXXX XXXX XXXX XXXX that the debt in question is inaccurate. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX Experian XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character XXXX XXXX is sending invalid information on behalf of the XXXX and this is completely fraudulent and not owed by me. Remove this from my credit, you have been reporting this fraudulent debt for 6 years. 

XXXX has stated they have no record of my information, yet they are reporting on my credit report. This needs to be removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I want to freeze my child 's credit reporting files through all XXXX major credit reporting agencies. None of the agencies have documentation that is easy to find regarding this subject. While some states mandate this, others make is very difficult. Where can I get proper information about how to accomplish this freeze - and why is this not the default behavior for children who are n't legally old enough to access their credit report in the first place? 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America charged me for withdrawals done at the ATM on my savings account. Despite their deposit agreement and disclosure stating that there is a limit of XXXX but of the XXXX, those done at a staffed teller window or ATM do not count. I had done a total of XXXX, XXXX at an ATM and XXXX online transfers. When I called they said that the XXXX at the ATM used up my XXXX allowed so they had a right to charge me for the remaining XXXX at $ XXXX/transaction. I referred them to their own Deposit Agreement and Disclosure ( page XXXX ) and they agreed with what it said, but stated they still would count towards the XXXX so anything in addition would be fee 'd if done elsewhere. I said I thought this was a violation of Regulation D as I understood it as well as their disclosure be unfair and misleading. 

I have a copy of the chat where they did not even know that their disclosures stated that until I copied it. The call I made was allegedly recorded as well. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a Macy 's Store Card and all of a sudden in XXXX of 2015, unbeknownst and unapproved by me, they started charging me {$0.00}, {$0.00}, {$1.00} every month and then charging me minimum finance charge and late fees when I did n't see it getting paid. 

The information for the company billing me was XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America Account Problem The problem occurred when my wife deposited XXXX checks in our Bank of America checking account on XXXX XXXX, 2015. She did so at our local branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The XXXX checks were in XXXX and totalled XXXX XXXX. Copies of the XXXX checks are attached. I told my wife to expect a dollar total of roughly {$1000.00} and I have attached copies of both a manual deposit slip prepared by the teller and also an electronic transfer slip, both totaling {$1000.00}. I checked my account later that day and saw a deposit of {$1000.00}. I have no idea why the cents should be different but this did not concern me greatly, I assumed that this was the deposit of the XXXX checks. I saw an unexpected correction of ( {$770.00} ) at around the same time and began to investigate this entry. When I called the service number on my ATM card I was told that it was to correct the check deposit which was only XXXX check and not XXXX. I was astounded and asked to speak to a manager to find out what was happening. I spoke to XXXX who confirmed the story about there being only XXXX check. I pointed out the deposit slips prepared by B of A in the branch and explained to her it was impossible for the XXXX check she could see to equal {$1000.00}. I explained that the deposit slip was proof that there had been another check and asked her if they could have lost it. She was indignant and told me she could do no more for me and I should go to the branch on Monday. I told her the bank had no authority to take money out of my account without my permission when I owed them nothing. I was extremely angry. Her response was- '' whatever ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: We were unable to close because the lender refused to accept hand-written corrections to the XXXX XXXX application and the loan officer refused to correct the information in their system. In addition, we were told that if we refused to sign the blank continuation sheet we would not receive funding. Fannie Mae 's own website as well as countless other agencies specifically warns consumers against signing blank forms. We had expressed concern about these issues well before closing and no corrections were made. At closing, we corrected the errors on the Form XXXX by hand and drew a line across the blank page. The lender rejected the application form. We asked the loan officer who could correct these issues and we were told no one. The loan officer refused to release the funds out of escrow because we would not sign the forms containing incorrect financial information. 
We are retaining our current home with the intent of using it as a future rental. It has never had a mortgage or other lien. First, our current home was incorrectly listed as having a lien under the liabilities portion of Sec XXXX and having a value of more than twice its assessed value under the asset column. Fannie Mae 's own instructions state to list real property expenses under Sec XXXX in the " present '' column with appropriate line items for taxes and hazard insurance. Second, in Sec XXXX of the XXXX, the loan officer is insisting on listing our annual property tax and insurance expense as a mortgage liability when in fact it is not. A specific box for this expense does exist on the table. There are no current unpaid balances for property taxes or hazard insurance. Finally, page XXXX of XXXX of the URLA XXXX is a continuation page to be " used if necessary ''. While we understand that it is part of the application requiring signatures, it is absolutely unacceptable to expect an individual to sign a blank document. Surely, this is not the intent of the continuation page. A disclaimer such as, " No Additional Information Included '' or something to prevent additions after the fact should be allowed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This collection agency has consistently & repeatedly, numerous times over numerous accounts, reported erroneously information ( Known in the industry as " skip / trace '' errors ) which in some manner they have mistakenly attached to me as the account owner and debtor. This erroneous data has been reported to all three of the major credit reporting bureaus : XXXX, XXXX & XXXX beginning XXXX XXXX - XXXX XXXX on XXXX separate accounts ( Reference # XXXX - {$1000.00} / # XXXX - {$350.00} / # XXXX - {$130.00} ) all associated with XXXX, a cell phone provider I have never had an account relationship with. 

Enhanced Recovery Collections of XXXX, Florida has been contacted in each instance, yet continued to make the same error on new accounts. In all cases my SSI # was not initially associated with the account, the XXXX accounts records contained faulty street addresses in states I have never lived and in a number of cases not even my legal name was on the account. ERC is making these record alterations - additions ( Skip / trace errors ) themselves, but blames other organizations ( XXXX - XXXX ) as the responsible party. Regardless they are the one 's reporting the data in error to the credit bureaus. They are aware of the problem and failed to fix it. 

This agency seems to utilize its credit bureau reporting capability in a " predatory fashion '' in order to pressure and collect from anyone they have erroneously associated with an account in default. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE XXXX INQUIRY FROM MY REPORT. 
I DO NOT HAVE CREDIT WITH THEM I NERVER APPLIED FOR CREDIT WITH THESE PEOPLE. YOU GAVE THEM ACCES TO MY CREDIT REPORT WITH MY PERMISSION DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: For 1-1/2 yrs ( est. ) Dyck O'Neal Inc.- a debt collector ( Texas addresses ), has repeatedly left the following message : " We have an important message from Dyck O'Neal Inc . This call is from a debt collector. Please call XXXX. '' Always the same words spoken in the same female voice, left on our home voice mail. We ran a Credit Report and found no unsatisfactory ratings. No one has been trying to collect debt from us, to our knowledge. We 've followed advice to avoid communicating directly with the company, and are attempting a solution through the Bureau of Consumer Finance. [ I was distressed to learn that debt collection businesses are exempt from restrictions on telemarketing ( which is what this sounds like to us ) - i.e., it is legal for them to ignore the Do Not Call Registry. ] We are looking for an answer to this recurring annoyance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened a line of credit with US Bank in XXXX XXXX. During the 7 years, I had the line open, I had exceptional payment history. In XXXX XXXX, I paid off entire balance from with final installment of {$520.00} ( per my monthly statement ). At that point, there should have been zero balance and no further activity on the account. I did not receive any further statements from the bank post my last payment of XXXX XXXX. It was not until XXXX XXXX, it was brought to my attention that there was an XXXX balance on my account that resulted a derogatory 30day late in XXXX and a 60day late in XXXX. I immediately paid the XXXX and a yearly fee on XXXX XXXX, XXXX and closed the account. In my view, reporting XXXX past due to the credit reporting agencies as 60 days past due, while US bank failed to send me statements during the months it was past due is a violation fair credit reporting act and FDCPA. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My Mortgage with XXXX was sold to BMO Harris Bank in XXXX of XXXX. I have never had an escrow account as part of my loan agreement as I originally paid 20 % against the sale value of my house. After my mortgage was transferred I continued to pay my monthly payments as usual until I received a statement in XXXX of XXXX where it indicated that BMO Harris paid my year end property taxes and Homeowners insurance. On top of that they paid XXXX dollars more against my property taxes then the actual cost. All property taxes were current and on top of all this I had paid my property taxes and Homeowners insurance as well. BMO Harris never told me nor should they have ever paid my taxes or homeowners insurance. As a result of BMO Harris paying my taxes and insurance they have now issued me an adjusted statement stating that my escrow account is {$26000.00} in arrears and that they are adjusting my monthly mortgage payment to address the escrow shortfall. My new monthly payment would now be in excess of {$6700.00} per month. I have been in contact with both their customer service department and Escrow department continuously for the last two months. They have freely admitted that when they took over the mortgage account that they set it up in their system incorrectly which resulted in their paying out of an escrow that does not exist. They keep telling me that they are going to fix it and get their money back from both the XXXX and insurance company. My mortgage payment is out withdrawn from my bank account around the XXXX of each month and as of XXXX XXXX, XXXX they started withdrawing the {$6700.00} from my account which now has created serious financial difficulties for me. The bank is in breach of their fiduciary responsibilities and perhaps other laws that I am not privy to however I need this remedied. BMO Harris has been woefully non responsive in trying to resolve this and it would appear they just keep putting me off. Next step is legal. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an adjustable rate mortgage with Wells Fargo Home Mortgage. 
This year when the loan re-adjusted the principal balance used to determine the following years payments was incorrect. I have tried to resolve this with " The Bank '' to no avail. 
This has occurred at every re-adjustment period and when brought to " The Bank 's '' attention it has always been corrected in the past. 

Company response: Company chooses not to provide a public response
Consumer complaint: The collection agency identified as CACI has already had right party contact with me and has verified the best phone number to contact me on. Since then they have contacted my family and requested location information as well as my employer. My complaint is that they have already had right party contact and should have no need to contact third parties for location information they already have. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been a credit card holder at bank of america for a while, and I recently applied for joint co-ownership of a travel rewards credit card since XXXX 2015. Every single month when the statement is due my travel rewards account disappears from online account when I sign in. I call them every single month to be able to see it and they assured me this wo n't happen again since XXXX, but they have n't done anything about it. Without being able to see my account online I wo n't be able to pay my payments on time, which I am afraid will affect my credit score. I ca n't even close my account as it will also hit my credit score. So, I am stuck in a quagmire, having to call them persistently every single month, which is hectic and super frustrating. I wish they took serious action towards it and that 's why I decided to complain about the issue. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is a notice to cease unauthorized inquires into my credit report and a formal demand that you immediately contact the credit reporting agencies and bureaus to have your illegal inquiries removed. While checking my personal credit report from XXXX, I noticed an inquiry made by your organization. 

The details of the inquiry are as follows : Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Inquiry made by : Bank of America I did not approved your organization, or any person associated with your organization, to make such an inquiry. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied. 

If you believe that you posses sufficient document that supports your authorization to make the inquiry, please forward a copy so that I may verify its validity. 

Company response: Company chooses not to provide a public response
Consumer complaint: I set up automatic bill pay of my credit card from my checking on XXXX/XXXX/16. Tech support confirmed this, my credit card is due tomorrow XXXX/XXXX/16 and was not paid. They recognize the auto pay and ca n't explain why the system did n't pay the credit card. I was on the phone for over 2 hours and got cold transferred 5 times. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My mortgage company did not pay my property taxes on time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was 1 month late with a credit card in XXXX and I began receiving phone calls from Citi XXXX XXXX a company under Citibank. Even though I began paying down on the debt they continued calling me, between 4-7 times a day, no less than 100 times a month. I am current with my bill and am still receiving calls from them. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The division of Child Support Enforcement has been documented on my credit report since XX/XX/XXXX ( according to Transunion ) however, it 's actually been there since XX/XX/XXXX. Anyway, Transunion has allowed them to remain on my credit report since XX/XX/XXXX without fail. I have documentation as a result of my many disputes from Transunion stating that this would finally be removed from my credit report XX/XX/XXXX. I patiently waited until that time and then it finally did fall off for a total of 30 days. Now it has resurfaced as new and it is listed as a collection item that will be removed on XX/XX/XXXX. This is an outrage, all the other credit agencies has seen fit to remove this from my report except Transunion. It appears that all the reporting company is required to do is to verify my full name and social security number. I was advised by Transunion that due to the fact that The Child Support Enforcement Agency has my personal information this will remain on my credit report forever. Child Support is reporting that I am making monthly payments to keep this on my credit, however, they are not reporting any payment amounts.Transunion is basically turning the other cheek on this. There are laws which indicate that if a payment is reported then the payment amount should also be recorded. Child Support is smart enough to know that if they record me as making payments then it could possibly remain longer. Why are n't the payment amounts being listed. This is unjust and something must be done. I would like for Transunion to remove this account from my credit report for once and for all. 

Company response: Company chooses not to provide a public response
Consumer complaint: I spoke to Aldous & Associates " Attorneys at Law '' I have been getting harassing calls since XX/XX/2016.. Today I called in wanting to inquiry the validity of the debt requesting more information man named XXXX identified himself as the supervisor was very rude, kept demanding balance in full before verifying validity of debt. He was very argumentative, denying me speaking to someone else, denying request for validity of debt. Verified wrong address, would n't let me discuss kept saying well that 's what fit for life sent us. XXXX also denied me speaking to another supervisor, was over talking me, I could n't believe a person representing this company speaking to me in the tone he did, it really surprised me knowing he represents attorneys at law knowingly and willingly violated several laws regarding collections.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had my report pull a XXXX 2015 and discovered some items that were either not mine own personal debt or unverified information. 
1. XXXX XXXX XXXX XXXX ) I have never lived in Texas nor do I have any such account PLEASE DELETE. 
2XXXX XXXX XXXX XXXX XXXX I have disputed this account it was never verified I HAVE CONTACTED XXXX there is no record of account please Delete. 
3.XXXX XXXX XXXX XXXX ) this account has No record and is unverifiable please delete. 
4XXXX XXXX ( XXXX ) This account does not have Date of last activity listed Inaccurate please delete. 
5. XXXX ( XXXX ) This account never done business with this company please delete no verification. 
6.XXXX ( XXXX ) This account was never verified 7.XXXX ( XXXX ) This account was disputed and never verified pleae delete. 

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