AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had a personal automobile loan with Wells Fargo Bank. I bought it used and as the car was now 9 years old, I decided to trade the vehicle in. I found a car I wanted at XXXX in XXXX XXXX, NJ. I traded the vehicle in on XXXX XXXX, 2015. I told the car dealer I had a payment due with Wells Fargo Bank but they told me not to make the payment as they already had the payoff and I would alter the paperwork if I made a payment. On or about XXXX XXXX I was called by Wells Fargo and they wanted to know why I had not made the XXXX payment on my loan. I told the individual that the vehicle was traded in on XXXX XXXX and gave her the name and telephone of the general manager, XXXX and sales man, XXXX, I dealt with at XXXX XXXX. Also, the sales man said they had called Wells Fargo to get a payoff when I signed my paperwork and that payment was in with the payoff. She said she would look into this but if they did n't receive a payment they were going to report me as a delinquent account. About 5 or 7 days later, I was again called by Wells Fargo about the car loan. I again told them the vehicle was traded in and additionally, the dealer already sold the vehicle I traded in. I asked them if they contacted the dealer and I was told it was n't their problem. I called the dealer and told them what was happening. They informed me that Wells Fargo never called them to verify my information as they said but they did have the payoff and it was already sent. I received a letter from Wells Fargo stating that the loan was paid off on XXXX XXXX. However during this time, they reported my account to the various credit bureaus as being 30 to 60 days delinquent.Naturally, they have now destroyed my credit score as it dropped XXXX points due to this reporting. The final insult was that I only had 4 months on this loan and never had a delinquent payment. Also, I had being making extra payments of {$15.00} to {$20.00} per month to pay the loan off ahead of time. I can upload and send my agreement of sale dated XXXX XXXX, 2015 if needed at a later time. 

Company response: Company chooses not to provide a public response
Consumer complaint: Charged {$320.00} in overdraft fees because my account was showing I had more money than what was available and the bank said it 's because some items were pending and the charges occur often the items go through regardless of the order of the purchases. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called Wells Fargo to report a lost credit card. The credit card had a limit of XXXX and a balance of {$0.00}. While on the call I mentioned that I needed about {$5000.00} for a very short time and planned to use the cash to get me through a rough spot financially for me. I did not want to tap into my investment account worth almost XXXX due to tax consequences. I was receiving retirement and social security amounting to about {$52000.00} a year. I just paid an XXXX tax bill and was waiting to sell a house I owed that carried no mortgage. This information was all given to the loan officer I dealt with over the phone. 
The banker aggressively sold me the loan and then they told me I did n't qualify because of my FICO score and short banking history with them. I 've had my Wells Fargo accounts for over 20 years and in the last year moved over {$270000.00} through my checking account not including the XXXXXXXX deposit made from the sale of my second home on XXXX XXXX, 2015. 
There is no logical reason I was denied credit unless they were discriminating or only using part of my financial information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed an inaccurate negative record appearing on my credit report with TransUnion, XXXX, and XXXX. It was reported by XXXX XXXX XXXX. I also filed a complaint against XXXX XXXX XXXX with CFPB. XXXX responded and advised that they had submitted for deletion of the record and provided a reference number - " AUD deletion, control # XXXX '' The record was deleted from all XXXX reports. On yesterday, however, I received a notification that TransUnion had reinserted the exact same negative account on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: My XXXX XXXX XXXX XXXX XXXX XXXX credit card recently had a large change in terms after having paid the annual fee. After I found out about it, I called in to complain and was told that the card could be closed, but no annual fee would be refunded since it had been more than XXXX days since it was charged, but that as an apology, they would give me XXXX points, which is not even close to the value of the fee. I recently found out that the representative who spoke to me was either misinformed or lying, and that due to the drastic change in benefits, XXXX was indeed issuing refunds of the annual fee. When I called back, I was able to speak to a supervisor, XXXX, who said while he empathized with my situation, he could not do anything more. I summarized the situation for him that now I had to suffer the consequences for a XXXX error ( or a blatant lie ), and he agreed that that was the case and even said a complaint to the CFPB may be necessary as there was truly nothing he could do to close the account and refund the annual fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a mortgage payment online and my mortgage bank changed the amount of the payment. I called them, they called me a liar. They said I changed the amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company is trying to collect a debt that has already been removed from my report. Amsher Collections tried to collect the debt last summer, and reported it to XXXX I disputed the information, which ultimately resulted in the removal of the account in question from my credit report. The account has now been readded by XXXX XXXX as they are trying to collect it. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and have not responded to me yet within the XXXX day time period. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased a XXXX Enlightening mattress set. Six months after the purchase date the left side of the mattress started sinking at  least XXXX inches EVERY NIGHT! My wife has to reach "up a hill" every night to hug me. She has XXXX problems because the middle sinks lower than the top and foot of the bed on that side - EVERY NIGHT!!!
XXXX sent out a "bed checker." He pressed the bed in for a few seconds - took his handy ruler and proceeded to submit a report. We received a letter stating "the mattress is contouring to the shape of your body." Really - so sinking into "the panels" is to be expected? 
It is absolutely ridiculous to think that a legitimate complaint about a XXXX product could be taken so lightly. The fact that this product is impacting my wife's health  - who is a XXXX is truly worrisome. The bed was supposed to aid in increasing our well being and not in diminishing it. Every morning my wife has to pull herself out of the bed as if she is struggling from an abyss. XXXX This bed is a MENACE!!! We have more aches and pains with this new bed than we did with our 10 year old mattress. This is the worst product we have ever purchased!!! EVER!!!
Company response: Company chooses not to provide a public response
Consumer complaint: ICS KEPT CALLING ME FROM ( XXXX ) XXXX REGARDING # XXXX, COLLECTING FOR XXXX XXXX XXXX IN VIOLATION OF FDCPA, AND TCPA. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I had an issue with XXXX Wireless.  It got nasty; I wrote a letter to the XXXX, sent a copy with a note to the President XXXX.  The result was that all the XXXX billing was taken away, and I got a XXXX+ credit on my Wireless account.  I suddenly got a letter from MRS BPO, L.L.C. stating they were collecting XXXX for XXXX.  No one at XXXX knows anything about it. My current bills do not indicate the amount. I don't want my credit ruined by these people and no one knows who authorized the collection agency to come after me.  XXXX.
Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XXXX Mortgage XXXX is violating the California Homeowner Bill of Rights by not modifying a loan and offering a TPP that is just a reinstatement of the loan with an upfront payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: Late payment record for sears is false. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Bank is pursuing a foreclosure on a property that has attached Ohio dower rights to it, that have not yet been applied. Moreover, signed affidavits prove several layers of " robo signing '' with non existent notary public 's and fraudulent conveyance history existing over the life of the mortgage loan. The husband in this matter filed a chapter XXXX bankruptcy and abandoned any connection to the property, while the wife is left to pursue her rights, as she is a victim of an earlier crime caused by the husband, which led this case into foreclosure to begin with. The Attorney General 's Office indicated the need to contact the Office of the Comptroller of Currency who said they have alerted your offices to this matter. This complaint is being made to validate their concern on this particular case and to bring overall resolve to this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: Have filed Complaints to XXXX XXXX XXXX. 
In regards to the Enhanced Recovery Company # XXXX. 
XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX/XXXX/2015 sent a 30-day Validation Notice. 
Have asked Several times in the last 5 months to have the items removed. Contacted : XXXX XXXX, XXXX and XXXX. 
The repositories do n't contact the Debt collections and their reply is they verified the information is correct. Need the item removed. Please! Next step is to file a Class Action Suit in regards to Title V of the Fair Debt Collections Act. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I started at The Art Insititute XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXand finished at The Art Institue of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX have fallen victim to predatory lending, and have been mislead by the school to take out private and federal loans. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I was notified by my staff XXXX that a debt appeared on my XXXX credit report. After investigating the item, it was determined that ATG Credit of XXXX was the organization that reported the fraudulent debt of {$160.00}. I have never been late on any account and further, my accounting team has never received a late notice for any of our accounts. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: While checking my personal credit report, which I acquired from XXXX I noticed an inquiry made by your company " SOS LOANS INC '' on XXXX/XXXX/2015. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: RE : File number # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXXACCOUNT : # XXXX .... 

Contacted XXXX XXXX XXXX re trade line issue through CFPB and received letter to contact/forward to Experian ( see attached ) to have trade line removed because they were having issues removing it. Provided Experian with the documentation and they have failed to remove the trade line from my file. Have also disputed it but it comes back " VERIFIED '' even though the letter clearly states shows the information provided by Experian completely is in conflict with XXXX XXXX XXXX 's records. 

Company response: Company chooses not to provide a public response
Consumer complaint: I required filed complaints against Bank of America - overdraft problems adds to more genitals discrimination attacks me that made me overdraft fees charges with history records. In addition, they discriminate me in ugliest appearances as they laughed me looked at me in very poorest ugliest appearances what Bank of America does not like me too much when I walked in this discrimination bank. They guffawed looked at me in poorest ugliest clothes and offered me in ugliest overdraft discrimination. Also, in the past time, XXXX Bank refused to open my personal checking account along with other XXXX Bank account refused to serve opening new checking account because Bank of America 's overdraft discrimination complaints. YOUR RESPONSIBILITIES MUST MUST RELEASE REPORT TO XXXX XXXX AND XXXX XXXX XXXX REQUESTS ABOUT BANK OF AMERICA 'S HORROR DISCRIMINATION AGAINST MY XXXX & APPEARANCES DISCRIMINATION ISSUES. BANK OF AMERICA MADE ME IN XXXX AS INSULTED ME IN XXXX INDIVIDUAL WITH OVERDRAFT HISTORY RECORDS! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an citi credit card. I was under my credit card limit. The finance charge at the end of the month put me slightly over the limit. I was charged a {$39.00} fee for being over the limit. I did not feel that this was fair. The finance charge is what put me over the limit. I should not be charged an additional fee for a finance charge of {$39.00} because it puts the card slightly over the limit. I talked with a Supervisor named XXXX in the Florida office. She said that it is in the XXXX page agreement. I asked her where in the XXXX page agreement. She said that she had no idea, because it is XXXX pages long.I asked her how is a consumer supposed to know where this is or if it even exists when the supervisor does not even know. She said it is not her job to know the XXXX page agreement. I was surprised because she is the supervisor. 
This sounds like Usury to me. How can a company charge a fee on top of a finance charge. The bank is making money on the finance charge. That is what I agreed to. It was not a purchase that put me over the limit. It was the finance charge. That is a pretty good definition of XXXX. This supervisor was not able to tell me where this was allowed in the XXXX page agreement. I am not sure that it is allowed or even exists 

Company response: Company chooses not to provide a public response
Consumer complaint: I ca n't afford my $ XXXX month payment on my private loan on top of my $ XXXX payment on my federal loan. I have repayment plans with my federal loans but sallie Mae will not extend my loan terms or anything to help me out and my private loans are killing me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Disputed creditor named XXXX account # XXXX.... on my Experian credit file and Experian and XXXX failed to remove this account even though it does not belong to me, They also failed to provide proof that this account is mine.
Company response: Company chooses not to provide a public response
Consumer complaint: in XX/XX/XXXX my credut report clearly shows im register owner for realestate, finance, insurance, amusmentXX/XX/XXXX my mutual fund forged fraudlenty traded by citigroup, XXXX XXXX citigroup fraudulenty underwriting commercial property from XX/XX/XXXX-XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have om going disputed with Experian cresdit monitoring since XX/XX/XXXX, about company call XXXX XXXX XXXX this is Number XXXX. This finance services work with XXXX ; this company do not have license to operate since XX/XX/XXXX. I got proof letter from XXXX XXXX XXXX XXXX CA department of consumer affair. My case number XXXX and this there phone number XXXX have got a lot of denied credit because of this. The credit bureau taking side XXXX. 
Sent from my iPhone 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a refinance interrest rate offer of 3.5% from Network Capital in XXXX California. After they completed a good faith estimate and sent someone here to do an appraisal another lender sent me an email guaranteeing 3%. I told Network about the other offer saying I think I will go with the XXXX lender. Network immediately said they will match their offer if I could get a good faith estimate proving their offer of 3%.  I told them they should have made that offer from the beginning and I wasn't going to have the XXXX lender construct a GFE just to bring my business to them. Network began very aggressively, to the point of extreme harassment, trying get me to make a deal with them. I finally had to threaten to call their District Attorney's office to make them stop calling me. I told them to give it up. I'm going with someone else. The only thing I need to finish my refinance with the XXXX lender is for Network to transfer the appraisal to the XXXX lender but they won't do it. They are essentially holding MY appraisal hostage so I can't go somewhere else.
Company response: Company chooses not to provide a public response
Consumer complaint: Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more XXXX years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home 

Company response: Company chooses not to provide a public response
Consumer complaint: Jefferson Capital Systems repeatedly sent letters to collect a debt so often that a member of my household, not myself, felt that it would " help '' me get them to stop attempting to contact me if she made a payment on the debt. This debt is over 7 years old and had already fallen off of my credit report, yet Jefferson Capital Systems still repeatedly sent me letters. Now that someone, who is not me, tried to do something kind to help me the debt has been reopened and sent on to a different collections agency. I knew this debt was old and that it was no longer reflected on my credit report. I did not make the payment and I would n't have allowed the payment to be made had I been aware. Jefferson Capital Systems had no right to continue to send me harassing letters until someone who did ; t know better finally caved and made a payment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: An account on my credit report has a mistaken date. I mailed in a debt validation letter to allow XXXX to correct the information. I received a letter in the mail, stating that Experian received my correspondence and found it to be " suspicious '' and that " I did n't write it ''. Experian 's letter is worded to imply that I am incapable of writing my own letter. I was deeply offended by this implication. 
I called Experian to figure out why my letter was so suspicious. I spoke to a representative who was incredibly unhelpful, She did not effectively answer any questions I asked of her, and she kept ignoring what I was saying regarding the offensive letter and my dispute process. I feel the representative did what she wanted to do, and I am not satisfied. It is STILL not clear to me why I received this letter. I typed this letter, I signed this letter, and I paid to mail this letter, yet Experian willfully disregarded my lawful request. 
I am disgusted with this entire situation, and I would like for my dispute to be handled appropriately, and I would like for an Experian representative to contact me and give me a real explanation for this letter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had an exon/mobile gas card since XXXX. I have never missed a single payment. 
In XXXX of XXXX I asked exxon mobile if they could raise the credit limit on my exxon mobile gas card. They said no. 
In XXXX of XXXX they sent me a new " smart card '' ( expires XXXX ) and my old card stopped working. 
Today, ( XXXX XXXX XXXX ), I tried to buy gas with my mew smart card and it was declined. I called exxon mobile and they told me it was cancelled because of inactivity and that I would now have to apply for a new card. 
I was given zero notice of this until I was sitting at a gas station unable to buy gas. 
by lowering my available credit this hurts my credit rating. 

Company response: Company chooses not to provide a public response
Consumer complaint: Many of the credit items and inquiries are not mine. I am and have been working XXXX since 2012. I have only opened XXXX account XXXX. I tried to dispute the other items but the credit agency said they are mine. Completely incorrect. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is still ongoing, Trans Union spliced my credit with someone elses, using my social security, with another persons name and bad credit .I have been trying for almost 2 months to get my credit back in order .I have sent all requested paperwork XXXX times .Nothing has been done .I call XXXX times a week just to find out nothing has been done and I always get the same answer 5-7 days.After the XXXX Nothing has been done .I 'm trying to get a mortgage and ca n't because of this .I 'm going to be homeless in XXXX .if I ca n't get this fixed .If documents are needed I prefer to mail them because of sensitive info 

Company response: Company chooses not to provide a public response
Consumer complaint: An unauthorized charge appeared on my credit card statement. I contacted the credit card company on XXXX/XXXX/15 and XXXX/XXXX/15. They said they would reverse the charge and investigate but the charge has not been reversed on my account. 

The charge occurred on XXXX/XXXX/15 and the description is www.logmein.com 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a home equity line of credit at LendingTree .com. They collected all the sensitive information including, my name, SSN, address etc. 
According to their site I was supposed to get " free offers '' for HELOC and equity line of credit. Instead they showed one _mortgage_ offer! 
This does look like a scam, they just collected all the information from me promising one thing and offering completely different one. They probably just resell people 's data by putting false promises on their web site. 

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