AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We had set up a payment automatically through our Debit Card from XXXX with XXXX XXXX Hospital, and because our bank sent us a new Debit Card ( when XXXX and XXXX XXXX were hacked and all banks sent new cards to customers affected ), our payment did not go through with the Old/Cancelled debit card, but we did n't know it at the moment it happened. My husband went ahead and made the payment and brought the account current, but I received a 30 day past due mark of delinquency on my credit. I disputed this through XXXX, but I have not seen any updates and no responses from Progressive Management S Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
Phone # XXXX. They are the Collections agency for XXXX. 
I would like the 30 day mark deleted from my credit record, since it was an error, not a missed payment. 
thank you, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted the lender at Advance America and let her know about my financial hardship situation. She processed the court papers and had a third party call my uncle and my friend about getting the papers processed. I have stayed in contact with them about my loans. I keep getting harassing phone calls from them more than one a month. my uncle, mom and friend recieve phone calls from a third party in Texas for Advance America. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I am writing both in general, to suggest a new consumer protection, and specifically to complain about a company called XXXX ; please forward this email to the appropriate office for possible further action against XXXX. Years ago, I agreed to a recurring charge in order to watch their video products. For over a year, I have been trying through every means possible to cancel the recurring charges on my credit card. I have repeatedly used their online forms and followed the steps listed on their website, to no avail. I tried calling the company ( finding the number was a research feat in itself ), and further got no action. I have repeatedly contacted the credit card company to cancel the charges, and I think the current options for this situation are too limited. Because the charge is so small, generally the credit card company credits my account and essentially pays the bill themselves. I need to do this each month. I was told that XXXX might even find me after getting a new credit card through the same bank, and resume charging me on the new card. It 's incredibly frustrating that my only option seems to be to repeatedly contest the charge each month, with the result that my credit card company rather than myself pays these thieves. 

I think this situation is very common, and I believe new laws and policies need to be pyut in place to help consumers and to make it impossible for this egregious behavior on the part of companies to continue. It should be possible for consumers to permanently remove recurring charges from their credit cards, without the consent of the company involved. This would shift the burden of re-establishing a financial relationship to where it belongs : back to the company that made it impossible to cancel recurring charges. I write to urge you to make this happen. Companies like XXXX should not be able to succeed in garnering money from recurring charges when they make it impossible for consumers to cancel the charges. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX XXXX I retired. I invested {$200000.00} XXXX XXXX. The investment went sideways due to fraud in late XXXX. In XXXX I was in poor financial condition and started job hunting ; I was hired by the Utah XXXX XXXX XXXX XXXX. At that time I retained " XXXX XXXX '' to try and clean up my debts without filing bankruptcy and began paying so much a month ( {$780.00} ) to build up an account to pay the debts and legal fees. We had progressed well and settled a portion of the debts I had incurred. In XXXX XXXX I XXXX at work ( XXXX reduced income to XXXX ) and was out until XXXX XXXX. In XXXX XXXX we started hearing from XXXX XXXX XXXX ( XXXX ) through the XXXX Court of Utah and XXXX XXXX XXXX. For every submittal by XXXX, XXXX XXXX countered with their own court submittal. This went back and forth XXXX 5 times until XXXX with several conversations of settlement. XXXX was very abrasive and cursed at the XXXX XXXX people trying to settle the case, he would not settle. Somewhere in near the end of XXXX XXXX ( lied, said I never responded to the court ) ) convinced or bought this judge to put a judgement in on me, without my day in court and any arbitration. Per the contract I was to have my arbitration and a day in court. XXXX told XXXX XXXX that I no longer had a contract because these carpet baggers had bought this debt so they were no longer responsible for the stipulations of the contract. In XXXX XXXX XXXX XXXX XXXX XXXX tried again to settle and offered everything I had in the account ( {$11000.00} ) they said no and cursed them out again and said they want it all. In the same month we submitted paperwork to XXXX XXXX XXXX and XXXX but XXXX did n't even respond, he ignored XXXX arbitrations attempts. XXXX XXXX I found out they had garnished my pay check at XXXX but also my Utah XXXX tax return was taken. In XXXX the tax return was a {$3200.00} ( a write off because of the XXXX loss ), so they have garnished approximately {$7500.00} in XXXX XXXX they will take approximately {$9000.00} but not State tax return because the oil relief is over and now I owe money this year. In XXXX XXXX XXXX XXXX was shut down and investigated by Fed 's for taking to much in fees up front and additional fees throughout each settlement process. Now the garnishing continues my money is tied up ( to settle ) at XXXX XXXX and I still have a corrupt lawyer and Judge to contend with day in day out. I had an original amount of {$20000.00}. The oil fraud was turned over to the Utah XXXX and determined they were fraudulent and I filed an additional complaint against XXXX XXXX after finding they had over charged everyone beyond the normal fee structure. The only thing I know is lawyers are created to prey on other peoples misfortunes and make them pay and pay whether or not they say they are on your side. I have all the documentation sent to me and everything I submitted in return. I also have the court records that show no notice of a hearing and no chance to arbitrate a settlement, I 'm discussed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Brooks Brothers Credit Card, which I believe is currently issued and serviced by Citi Group, has incorrectly reported a negative remark and has not taken actions as promised by its representatives. It is my understanding that the Citi Group has acquired or taken over Brooks Brothers Credit Card accounts from its previous servicer sometime in the XX/XX/2015, XXXX or XXXX. 

Unfortunately and in fact, ever since the account transfer to the Citi Group ( which I did not know that it did ), I did not receive any correspondence including but not limited to billing statements, emails, and a new card. My log-in did not work with the site and I had no reasonable ways to contact the credit card servicer during my business trip in XXXX. Thus, when I came back I immediately called the Citi Group after finding out that the Citi Group acquired my account. When I spoke with the representative, the person completely acknowledged the mistakes and faults of the Citi Group for failing to deliver necessaries to my attention and then refunded me a late fee with assurance that I would not get any negative remarks from this. After getting my late fees removed, I called back to make sure that I would not get any negative remarks on my credit report and at then, other representative also assured that I would be fine and without any delinquency/late and/or other negative remarks. 

However, several weeks later I was able to locate that there was a negative remark stating that I was 30 days late. I called back to confront the issues and ever since then, the Citi Group has changed its words and is now saying that the reporting is valid. Even some of their representatives are urging me to write and report what I have experienced. The Citi Group has dropped the ball and they should be responsible in fixing the issue. The Citi Group is acting in deception and fraud as they are not abiding by what their representatives have assured and guaranteed. 

Furthermore, I believe one of the main issues here is that when the transfer or acquisition was made by the Citi Group, they did n't notify their customers properly. Therefore, it is my belief that some account holders actually were confused and did n't know about the acquisition. Moreover, it would be extremely prejudicial for an account holder who NEVER had any late or otherwise negative remarks on his account ( account holder for almost 10 years ) to be penalized when it was clearly a banking error done by the Citi Group. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I bank with Wells Fargo Bank , N.A . and have their Team Member Checking product as a checking account. I opted out of debit and credit transactions when opening it, so that prevents them honoring a charge with the VISA card attached to my account if the funds are not available, it will be declined. It was explained to me in the past that this does not apply to automatic, scheduled monthly payments to my account that use my routing and account number. 

I signed up for an XXXX XXXX trial that ended yesterday, XX/XX/XXXX. I logged on to XXXX today and strangely, the banner read that the {$99.00} for XXXX would be charged in XX/XX/XXXX. I cancelled it, then I got a message saying that it " would be refunded '' to me. I also thought that was strange. 

I logged into my Wells Fargo checking account and I saw it was overdrawn, and that I had a {$99.00} charge from XXXX. Which was incredulous to me per what the banner told me! What 's more, it is not a monthly charge, and XXXX charged the VISA attached to my checking account, and since I opted it the transaction should have declined anyway. 

Since I have been educated numerous times on this with Wells Fargo in regards to how it works with scheduled payments that use routing and account numbers, there was no need to complain with them, they are simply trying to get over and abuse me with fees, this is why I opted out, so moments like these do n't happen. That transaction was to decline, XXXX did not use my routing and account number, and it was not a monthly, scheduled payment anyway. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have filed a previous complaint # XXXX. I was instructed to take the vehicle to XXXX for a diagnostic which I did. More problems were discovered, such as the ball joints and all the rust and MOLD on the inside of the vehicle which proves our claim it has been under water or water filled up the inside of the vehicle. The steel inside of the seats are COMPLETELY rusted!!!! I am being told that now they ( Drivetime ) are waiting on estimates to repair this. I told them I am not paying for anymore repairs ESPECIALLY when it confirms that this vehicle has been in water and is damaged which confirms why there have been so many repairs within the year! I had to pay for the diagnosis which I do not think is fair because they made me take it to them. I WANT MY MONEY BACK THAT I PAID IN MY DOWN PAYMENT, PAYMENTS, AND REPAIR COSTS!!!! I DO NOT WANT ANOTHER VEHICLE FROM THEM BECAUSE THEY DO NOT CONDUCT HONEST BUSINESS! They are continuing to give me the run around. And XXXX XXXX told me that Drivetime instructed them to send them a cost for repair but the advised them they do not repair interior. So they then ask for outside estimates. Why would we want a vehicle that has interior water damage???? That proves its been in water, we do not want this lemon! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX/XXXX/XXXX - Received a bill from XXXX XXXX for {$220.00} XXXX ( a XXXX debt collector ) reported this debt on my credit report although I have never received any communication directly from XXXX. Apparently they assigned the collection to Springer Collections ( a XXXX debt collector ) as I was a XXXX resident. 
XXXX/XXXX/XXXX - Received a collections notice from Springer Collections for {$220.00} XXXX/XXXX/XXXX - Sent my HSA account debit card information to XXXX to settle the debt of {$220.00} XXXX/XXXX/XXXX - Called Springer Collections to confirm they had received my payment information because there had been no transaction on my account. They told me the card had been declined. I asked them to run it again and they told me that once again it had been declined. It turns out that Springer Collections can not take an HSA payment which is why it was declined. They agreed that I pay XXXX XXXX directly. 
XXXX/XXXX/XXXX - Called XXXX XXXX and paid outstanding balance of {$220.00} XXXX/XXXX/XXXX - Called Springer Collections to let them know that I had paid the outstanding balance. They informed me that they would get confirmation from XXXX XXXX ( via XXXX ) and close my account. 
Some days later I talked with XXXX XXXX XXXX at Springer Collections to confirm that everything was in order. He told me that XXXX had informed him that there was still an unpaid balance of some {$95.00} - they did update the credit report item from the original {$220.00} to {$98.00}. 
I have followed up several times with all parties : XXXX are clear that my account has been paid in full, XXXX refuse to talk to me, Springer XXXX XXXX XXXX XXXX keeps telling me that I still owe some {$95.00}. 
XXXX/XXXX/XXXX - XXXX XXXX of Springer Collections called me. He told me that XXXX still showed that I had an outstanding debt of {$95.00}. I told him that I had paid the bill in full and that if there was an outstanding debt he should send me the proof - he refused. He said that he had looked at my account on the XXXX XXXX website ( surely a HIPPA violation ) and he said it showed an outstanding balance of {$95.00} - this is not true - the balance shows zero following the payment of $ XXXXthat I made on XXXX/XXXX/XXXX to XXXX XXXX. 
XXXX continue to report a non-existent debt on my credit report. 
Springer Collections XXXX XXXX XXXX XXXX continues to insist that I pay a non-existent {$95.00} debt. The tone of XXXX XXXX 's communication on XXXX/XXXX/XXXX, when he called me, felt like I was being harassed. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have several complaints with the reporting practices of Trans Union. First, regarding XXXX XXXX # XXXX, I have notified all of the bureau 's that the creditor has agreed to delete this account. Trans union has not taken note and has not statused this account since XXXX. This account has also been deleted from the other reporting agencies. As of XXXX/XXXX/XXXX I have issued a FINAL DEMAND for this to be removed. This has already been deleted from my other credit reports. XXXX Consumer Financial Protection Bureau case XXXX. Second, regarding XXXX # XXXX, I was notified by my credit union that this creditor was authorized by Trans Union to be placed on my credit report as of XXXX/XXXX/XXXX. This account is remarked as " & gt ; CHAPTER XXXX BANKRUPTCY & lt ; ; CLOSED BY CREDIT GRANTOR ; CLOSED ''. This is in fact true, and should not be reporting because my Chapter XXXX bankruptcy was discharged in XXXX XXXX. All reference was removed from my credit report in XXXX XXXX. Now I am being plagued by this and it is reporting negatively. Third, regarding XXXX # XXXX which is remarked as DISPUTE ACCT/CLSED BY CONSUMR ; & gt ; PAID IN FULL/WAS A CHARGE OFF & lt ;. In XXXX XXXX I purchased a home and transferred my cable/internet/phone package from my apartment to the new house. I began to receive billing discrepancies from XXXX and after sending them a copy of my bank statement to verify that I truly paid the statement they sent to my home an investigation was conducted where they reported to me that tenant at my previous resident set up service and this installation was applied to my name ; my payment was being mis-applied to the previous addresses account. In order to remedy the issue XXXX adjusted my account correctly and stated that the I would need a totally different account number. Prior to this occurring I was never in bad standing and through the process was never reported as late/delinquent. Please observe page XXXX of bill date XXXX/XXXX/XXXX where it shows my current address, then skip to page XXXX of bill date XXXX/XXXX/XXXX that was sent 18 days later with my previous address, last turn to page XXXX of XXXX of that same bill and view adjustments where it explicitly reads " Transfer from Account XXXX to Account XXXX. Therefor this account is not a CHARGE OFF. I have contacted Trans Union as recent as XXXX and they have not considered my explanation nor offered to review my supporting documents. All of these methods of reporting are weighing on my score as my Trans Union score is approximately XXXX lower than the other agencies. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Transunion continues to ignore all of my requests for investigation of wrong information on my report, Transunion has not notified me of any changes or investigation. 
I have received no emails nor letters from Transunion, addtioanlly I pay for the monthly service and see no alerts or notifications it has been over 30 days and have received no update original letter dated XXXX/XXXX/2016 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My husband and I received a total of XXXX letters from Bank of America stating : " Your personal Checking/Savings acount ending in XXXX will be restricted in 21 days, and closed 30 days from the date of this notice. 

After careful review of your banking relationship, we 've made the decision to close your account above. We 're notifying you in advance so that you have an opportunity to make other banking arrangements. We apologize for any inconvenience this may cause. '' The letters go on to list 'What I need to do and What you need to know. ' It is dated XXXX XXXX, 2016 and I received it today, XXXX XXXX, 2016. It has a XXXX ID # and a phone number I can call with questions. The phone number is XXXX Monday through Friday from XXXX to XXXX Eastern. 

By the time I got the letter and called the number they were closed but allowed me to leave a detailed message and stated that they would not be able to tell me why my accounts are being closed and would not reconsider their decision. My husband had called earlier in the day when they should have been open and got the same recorded message I got. The message stated they would call us back. 

I have been a good and loyal customer of Bank of America for decades. I have a good amount of money ( preferred platinum customer ) in the bank, have a mortgage through the bank, and absolutely can not think of anything my husband or I have done wrong. I ca n't figure out what we could have possibly done for them to give us two weeks notice that our accounts are being closed. I 'm creeped out that they have come to some unknown conclusion about me that is so bad that they are severing our banking relationship. I have no way to defend myself. Please help me. I do n't know what else to do. 

Thank you, 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My husband and I were approved for a mortgage in XXXX. We were facing forclosure and abandoned the house in XXXX XXXX. Lender was notified that we were vacating the property. A sheriff sale was set for XXXX XXXX, but was postponed for unknown reasons. On XXXX XXXX, XXXX we were served papers. My complaint is that we could be close to purchasing another house after five years, but US Bank has delayed the process to an extent that is unacceptable. Five years later and we are finally getting closer to being able to put this behind us, when all of this should have happened after we abandoned the property. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I obtained a pay day loan from XXXX/XXXX/XXXX from Money Mart. The online application asked how often I was paid to indicate my repayment date. My next payday was XXXX/XXXX/XXXX and money mart pulled the funds from my account on XXXX/XXXX/XXXX causing XXXX overdraft charges in the amount of {$70.00} total and return check fees on my money mart account. I have since had that payment reversed as I should not be impacted as a consumer because there is a glitch in their system. I spoke to Money Mart 's online department many times and requested for a supervisor to return my call. I have yet to hear from a supervisor. I have received mutiple autodialer calls from money mart daily from multiple phone numbers to collect the debt. I have let Money Mart know my intention to file claim with CFPB and requested no additional autodialer calls and I was told I would have to send cease & desist to their support department. I advised that I wanted my cell consent to be removed and they declined to stop the calls. I have answered some of the calls requesting to speak to a supervisor and have been sent to a line that just rings and rings. My account has been documented by the online department of my dispute and that this was a glitch in their system that it still processed my repayment without recognizing my next paydate. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX, after account was settled and paid off, still claimed I owed them money, kept harassing me and brought great damage on my credit score and emotional health, in 2006. 
And this time, kept threating me to with continuing attorney placement pending letter includes phone # collection, which is completely unnecessary. then right after that the company ( Gugulielmo & Associates ) sent me letter stating 'This firm is acting as a law firm. ' I have disputed and demanded verification and in response, they sent me only statements, not original agreement on terms I have signed up, nor application for the card, despite of my request. The statements show many interest and late fees charged. seeking and charging interest and fees without clearly defines 'the term of this extended line of credit and my permission to them to charge those/agree to pay ' in the original contract I have signed up is a violation of FDCPA. 
Then XXXX sued me, so I called to Guglielmo, their Automated answer says, " This firm is not a Law firm, Debt collection agency. '' This is clearly confusing and misguiding consumers, which is another violation of FDCPA. 
This XXXX XXXX and Guglielmo, Collection agency claim to act as a Law firm must be punished for their act of deceiving public. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wrong person, same name XXXX years older than me he doesnt pay dental, medical seton hospital phone bill. Im born XX/XX/XXXX. The person ruining my credit score was born XX/XX/XXXX.We have sname name. I live in XXXX Texas. This guy lives in XXXX Texas and previously XXXX 

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