AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Since XXXX XXXX, 2016, I 've been attempting to request my free annual report from Experian, though XXXX. Each time, when I get to the end after entering my info and choosing Experian, I get the message : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX. XXXX XXXX XXXX, GA XXXX '' So, the online form is n't working with them at this time, and they have n't fixed it after two weeks. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: To Whom it May Concern, I was charged {$12.00} for insufficient funds on a check that I tried to deposit to my account. Prior to writing the check, the checkwriter checked her account to make sure she had sufficient funds. After depositing the check, I received the notice that I was being charged. 

I tried to call Customer Service to ask why it is Wells Fargo 's policy to charge its customers for something which is not within their control. A company which claims to " proactively protect our customers ' financial security through a risk focused culture '' should not impose fees upon its patrons which they have no control over. This alienates those risk-averse people who do everything they can to be prudent in their financial decisions and do their due diligence because it imposes upon them a risk they can not obviate. 
I have been a Wells Fargo Customer for a decade. I hold checking and savings account. I have a safety deposit box. I have a credit card. And as a student in professional school, I planned to patronize the bank for years to come. My experience with the Customer Service phone team has made me question these plans. 

Upset over this fee, I called Customer Service to request a refund. I asked my customer service representative how any customer could avoid these fees in the future. She had no answer for me. I asked her if that means I should just avoid using Wells Fargo financial services in the future, and she essentially agreed that this was the only way for me to minimize my risk. 
A business that claims protect its customers ' financial security while imposing undue fees on them ( that a prudent customer could not possibly control ) is not conducive to customer retention or satisfaction. How could I possibly feel that my money is secure if I can not protect myself from arbitrary fees? 

The worst part of the entire experience is that the supervisor who I spoke to pretended that she did not hear me and hung up as I was trying to explain the situation. Luckily, I recorded the whole ordeal. 

What I would like to know is exactly how Wells Fargo would advise me to avoid such charges in the future? Is there some magical database I can access to ensure that a check that I receive will have sufficient funds in the future? Or should I stop using Wells Fargo services in general? 
Regards, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a payment to a joint account. The creditor applied the payment to the wrong account ( my husband 's personal account ) and has been calling every hour. They are calling from different numbers. I explained to the representative what happened and they have not fixed the issue. They are also contacting my employer. We have never missed a payment on any account from this company. They continue to call and it is now harassing. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Every time i ask t have my address changed I get a fraud alert. 

Please change my address and remove the Fraud alerts from my profile. 
Please review my credit score it is incorrect. 

Thanks XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: More than a decade ago I incurred a debt with XXXX of {$10.00}. XXXX was the bank that issued the credit card for XXXX and XXXX. XXXX XXXX XXXX purchased the debt and took me to court where a judge gave me a judgment of {$8300.00} and monthly payments of {$100.00}. I paid this {$100.00} religiously every month and have bank records to prove it. 

I recently received a threatening and disturbing letter from Selip & Stylianou , LLP who claim they are attorneys at law trying to collect a sum of {$12000.00}. The judge already had a judgment which I paid and then the rest was charged off from my taxes. I have worked very hard to pay this bill and build my credit and these people are harassing me. 

I wish to file a formal complaint against Selip & Stylianou , LLP, Attorneys at Law at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. Enclosed is a copy of their letter. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I ordered XXXX XXXX service early XXXX XXXX. A technician came out to connect the service on XXXX/XXXX/XXXX. I was not satisfied with the service, canceled the service and returned the cable box & modem on XXXX/XXXX/XXXX. I was told since I did not have service for more than 30 days, I would not have a bill. XXXX is pursuing me for a debt for unpaid charges and/or failing to return equipment. I have a receipt from XXXX date stamped XXXX/XXXX/XXXX XXXX for equipment returned. I have reached out to XXXX to resolve this issue as soon as I received a collection notice. On XXXX/XXXX/XXXX I was assured this bill was in error and would be taken care of. It is now XXXX/XXXX/XXXX and I am being threatened with negative reporting to my credit report for a debt I do not owe. I have informed XXXX I would be reaching out to you for resolution since they are refusing to honor their end of the deal. Also I have faxed a letter of dispute to the Credit Collection Service explaining the same as above. I have mailed a copy of the equipment returned receipt to the XXXX XXXX XXXX in XXXX, MI. Since I live in Oregon I do not have the pleasure of walking the receipt into a XXXX location. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Outsourced rep for NetSpend Visa told me I could n't use the prepaid card I received as a gift without giving my birthdate and social security #. I declined and was sarcastically told " no info, no activation. Essentially they stole my mother 's money. I was told I could not use it as a gift card. What a huge scam! Also, they charge a fee for not using the card-again stealing the money. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received at least 2 calls per day including Sunday ato different times as late as XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX major credit cards were accessed over the past year, XXXX were checking accounts, XXXX did not notify me and I do not routinely check activity as I have a specific purpose for that XXXX card. My checking account needed to change along with several bill payment methods. Theft of my identity was being used over XXXX miles away. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Not only once, but twice i was told by Wells Fargo Bank that they could not help me out at all unless i was defaulted on my loan. The first time my husband was going to be unemployed for a short while, i had called in to let them know that i may be a little short on money the following month since we would be going without his paychecks and asked if there was some kind of payment arrangement that we could make. The person on the phone told me that they could not make any arrangements to help me unless i was at least 90 days past due on my mortgage. 
The second time, my husband was fearing for a layoff from his company because rumors were going around that they were going to be conducting layoffs. Around the same time he received a phone call from a company back east requesting that he come to work for them. In fearing for him losing his job he took the job offer and we moved out east. We put my house up for sale XX/XX/XXXX, and i called into Wells Fargo again. Again i was told that there was nothing that they could do to help me with my mortgage unless i was 90 days past due. I remember arguing with them asking them why they would n't want to help a customer who has never missed a mortgage payment instead of already putting them in a bad situation before they could help. Now it is over a year later, my husband and i have had a buyer interested since XX/XX/XXXX and we have still not sold our house. Our house is still in the short sale program, after being kicked out and sent into forclosure until i called repeatedly about it they put it back in short sale status. I have had over XXXX " case representatives '' assigned to my case in a year, i never hear from anyone, and the only time i hear from anyone is when i post negative remarks on twitter ( i can count on hearing from someone from wells fargo within 24 hours. ) Every time we submit paperwork, they say they have it and then a week or a month later they tell us they need the SAME paper that they just said they HAD! and now since i defaulted on my loan so that i could go into the short sale program as instructed by wells fargo ( since they would not help me unless i defaulted on my loan ) i can do nothing for the buyer who is so desperately wanting to get into my home. at this point the buyer is offering to pay more than what i owe on the home, but since there are penalties and late fee charges for not paying on my mortgage, i can not take a loan to pay the balance of the mortgage and just sell outright to this buyer, because i would not have enough to pay the penalties and late charges. Please help and make people aware that wells fargo prefers foreclosures over short-sales. They do not offer any help until you are 3 payments behind because it is so HARD to get back from a situation like this. They know what they are doing and what they are doing is wrong! If you would like more information please contact myself or my realestate agent. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I have had a credit card with Citi since 2000. Never been late with Citi or ANY credit card company, mortgage, auto or any kind of creditor all my life. Unknown to me, my credit card statement was switched to paperless. As I always off my cards all the time, is I do n't get a statement I do n't know what is due. My credit card with Citi had {$0.00} balance. Auto payment of {$24.00} was charged to my card and since I did n't get a statement I did not know about any charges to my Citi card. When 30 day has passed, Citi reported 30 days late. This was unacceptable because I have not had any late payment on all my credit cards. I called to complain about this issue to Citi and they switch the statement to regular but are refusing to help to clear the 30 day reporting from my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX had a hard inquiry on my Experian Credit Report on XXXX/XXXX/2015. I have no knowledge of what this is. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I hired XXXX over the phone, I waited til Tuesday because that was XXXX day they said I can get an am delivery. ... they called me at XXXX and told me dumpster would be there soon and got me to sign contract over the phone ... .. I called at XXXX XXXX and I was told dumpster would not be there untill XXXX XXXX ... .. I had to hire different dumpster company. ... XXXX is charging XXXX dollars for cancelation fee ... .. XXXX different people lied to me knowing the truck was n't coming to get me to sign contract ... ... I just needed a XXXX, I had XXXX men I was paying that were just waiting .... when I told XXXX at XXXX XXXX I was gon na cancel there XXXX dollar fee on my credit card he laughed at me. .... I was scammed 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of XXXX my wife and I contacted our mortgage company, Freedom mortgage, to have them remove the private mortgage insurance we have been paying monthly. Our house is valued at {$400000.00} with an appraisal less then 2 years old. We owe {$320000.00} which would place us at approximately 78.9 % loan to value ratio. 

We sent a written request on XXXX/XXXX/XXXX to have this removed. They replied on XXXX/XXXX/XXXX stating they would respond within 30 days. It is now XXXX/XXXX/XXXX and we have not gotten a response. We have contacted them and they said it would be at least another week for a response. 

Freedom mortgage has already told us in the past they would be using the original loan amount of {$350000.00} to determine our home value, even though we have an appraisal. We took out the loan after saving a substantial amount for a down payment. We would like assistance getting a response from them and ensuring they follow federal law in regards to the loan to value ratio. Our loan is a conventional 30 year fixed rate mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: Several hard inquiries on my credit report from XXXX XXXX to XXXX XXXX 2015. Not used with my permission. Possible identify theft. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I see in my report that an address that I have never lived and that the company XXXX has me in collections. I have never opened an account with them I have called the company and they have forwarded me to a collection agency. I keep on telling them that they charging the wronge person but they have not done anything. The address that shows up in my report as XXXX Ny. I have no clue of that address because I have never lived there nor have any clue of that place. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XX/XX/2016 I redeemed {$100.00} in rewards. My bank has a statement on the " Redeem Rewards '' screen that states " Redeem for {$100.00} or more and receive a {$25.00} Bonus Rewards Card to spend on yourself ''. There are no terms or conditions listed with this statement. When I did not received the bonus {$25.00}, I contacted my bank and asked why I had not received it. They stated that you can only receive the bonus once a lifetime. I believe this to be deceptive since that is not stated on the " Redeem Rewards '' screen. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There are XXXX inquiries that I HAVE NEVER MADE! WHO DID THIS? 
THE FIRST IS FROM XXXX XXXX THE SECOND IS FROM A COMPANY CALLED XXXX. I HAVE CONTACTED XXXX COMPANIES AND THEY HAVE NO RECORD OF ME OR MY SS # ANYWHERE IN THEIR SYSTEM 'S!! HOW IS THIS HAPPENING N MAKE IT STOP!!!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I contacted all XXXX bureaus in XXXX of XXXX by telephone and notified them of incorrect name and address information on my report. I also notified them that there were several accounts opened that were not mine, and to please put a fraud alert on my account. They did and did remove some accounts. But they did not remove the incorrect names, nor did they notify me to send in documentation to verify my identity, although I had explained to them that the XXXX had seen that someone used my XXXX number to open student loans. They put back the inaccurate name and address information on my credit report without notifying me. Some of this information belongs to my ex-husband. Why it is on my credit report, I do not know. Also, they are reporting information that is over seven years old, Other than that, there are XXXX accounts, that someone opened in my name, through a loan agency I had previously used and did not pay, XXXX was paid and is reporting as paid, and XXXX is reporting as closed and never paid on, but I could never afford a loan of that amount. I have repeatedly contacted them to remove this information for the last six months regarding the incorrect addresses and names, Also the XXXX accounts not opened my me being XXXX opened in XXXX and XXXX XXXX, I have spoken to XXXX and they confirmed that it was NOT my account. They did their investigation online and did not send me any reports, so I do not have any documentation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have previously submitted a report on XXXX XXXX and XXXX, now I would like to submit my complaint with SallieMae. 

I have XXXX SallieMae loans, XXXX being 7.2 % interest equaling {$7300.00} and the other being 3.5 % interest equaling {$6000.00} ( I believe 3.5 % is the lowest on any of my private student loans so only XXXX of them is feasible ). 

The problem with the loan is NOT the amount, rather the fraudulent interest rates I am being charged. Because the interest continues to compound, my payments barely eat into the principal leaving me with a bigger loan than I started. 

I make every payment on time, however it seems to make little difference if I pay more than what is due. This is ruining my credit report because my debt to income ratio looks horrible, even though I make all my payments on time. 

What this is effectively doing is keeping me from getting any sort of loan to buy a house, or put a dime back into the economy. It does appear as though this will be the case for a long while unless something is down to lower my interest rates to an acceptable level. 

Paying $ XXXX- {$1200.00} a month in student loans is not feasible when I am barely cutting into the principal and lowering the loan amount. In every case of my loans, they are now currently bigger than when I first received them even though I am paying this amount of money EACH month. This should not be allowed and is a form of XXXX 

I am not asking for my loans to be forgiven, however I am asking that my interest rates be put at a normal level of almost all other loans in this country at 2 % interest. There is no reason I should be suffering from an fraudulent interest rate ; students should not be punished for seeking a higher education. 

After calling each of these companies several times, I have found NO help in trying to refinance my loans. The only option I get is to go into forbearance, which would mean a lifetime of debt for me and possibly other family members. 

Please review my case and understand where I am coming from. I can not express enough how these interest rates undermine my consumer rights. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX I requested Transunion to correct inaccurate information on my credit report. To correct my date of birth DOB. 

Transunion reports it as XXXX and I submitted a request letter with Naturalization certificate ( copy ) XXXX XXXX and XXXX with same DOB. 

In XXXX 2015 I called to TU to find out if they updated my DOB. They did not. 

The woman on TU end asked me to resubmit this request all over again. 
And attach etiher XXXX copy of DC DL. 

On XXXX I resubmitted my request with XXXX mail. 

I attached request letter, and copy of DC DL with birthdate XXXX. 

To Date I did not receive confirmation from Transuion about it. I called to TU last week and asked if TU pdated my DOB? The TU said that they did not update it because they need another letter from me with another copy of DCDL. 

It became endless and I ask for your intervention please to help me with update of my correct date of birth. 

If Transunion is not in business to do credit monitoring, maybe they should sell apples and oranges on the street? 

Please help! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: An account was opened with Navy Federal Credit union which lists me as an authorized user on a credit card that I have never had possession of or have never used 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I would like to file a complaint about the very misleading selling and marketing techniques of Wells Fargo and specifically the employee named XXXX XXXX XXXX ID XXXX My wife myself my daughter XXXX and my son XXXX have XXXX accounts at Wells Fargo When I opened the accounts years ago I was told that all the accounts would be considered together and if the combined accounts were above a certain amount ( I think to remember dollar XXXX ) there would be no fees charged to any of the accounts I stressed the fact that I did NOT want to pay any fees as a condition to open an account in the first place On XXXX XXXX 2016 I discovered that my son checking account had been charged dollar XXXX in Overdraft Transfer Fee, just for the system to automatically transfer money from his savings account to his checking account. I went to the Wells Fargo branch and spoke to XXXX XXXX, who after some negotiations agreed to remove the fee. She also recommended to close the savings account due to the small balance of the savings account. I made clear that I did not want to be charged any fee in the future and to avoid any risk I made an additional deposit of dollar XXXX on behalf of my son. Few days later I noticed that the savings account was also charged a dollar XXXX Monthly Service Fee on XX/XX/XXXX, which XXXX XXXX never disclosed, even if I made clear few times that I did not want to incur any fees. I went back to the bank and XXXX XXXX told me that since the account had been closed, the fee could not be reversed. I find very dishonest the fact that XXXX XXXX did not disclose to me first that the savings account was charged with an additional fee and then even worse, recommended the closure of the account and then used that as an excuse for not refunding the fee. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I thought my insurance toook care of the bill, everything was covered.I never recived a bill from this company. Then all of a sudden, I recieved a letter from a collection agency! I am still not responsable for the amount they are asking me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I conditionally accepted their offer upon verifiable proof of claim. to date I have not seen any certified proof of claim for any account. 

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