AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My merchant services WAS BANK OF AMERICA, and there was a donation charged ( via the website ) of {$9000.00} awarded to the company XXXX XXXX for our future on XXXX/XXXX/XXXX, and fees have been paid on this charge. However, the {$9000.00} never went into the company account. Due to a merchant service rep error, i did n't live in the state i was running the business and this was my first transaction with them ... security stepped in. I was told by XXXX XXXX XXXX that the funds will be returned. I requested a letter ( til date, i still have not received ) on this action. XXXX XXXX went on vacation and XXXX XXXX stepped in and also stated the information of the return will be mailed to me. ( still nothing ). on XX/XX/XXXX, customer was told to dispute the charges because our company did not have the funds. I have now been forwarded to XXXX ( XXXX. ) I have left over XXXX messages on each voicemail and there has been no return calls. I think BOA thought no one would miss the {$9000.00} because no one said anything about it for almost a month. I no longer have any business with boa to even get this money and they have not refunded the customer. There is no feedback to any calls or emails and the merchant that set the account up says he has nothing to do with it any longer. So I am filing a complaint at this point for fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: Started getting calls again for another person. I told them on XXXX XXXX that I do not know who he is do not call my number again. They said they would add my number to the do not call list. Again today I received a call from Ally bank looking for him. I had this same issue with them a few years back and they are starting up again. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I request that the company Wells fargo dba ASC produce sufficient documentation proving they have the '' right to foreclose. Proof of documentation established through proper assignments of forms XXXX, XXXX, or form XXXX. Again I am respectfully demanding that the Wells Fargo Home Mortgage dba America Servicing Company bank show A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan Deed of trust Chain of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. 
Refund of all funds submitted for payment by me on this account made Payable to I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they do not and can not produce the original note they are committing fraud and perjury. I want to see an official wet ink signature showing where I signed for the loan. This bank has commited fraud on several accounts.Again I am respectfully demanding that the bank show A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan Deed of trurst Chain of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. 
I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they do not and can not produce the original note they are committing fraud and perjury. Please arrest these people for fraud. 
Please arrest these people for fraud. A full copy of all United States Postal mailings dates through mail. All USPS checks/money orders returned to me. I am requesting these all my payments be returned to me. A payment was made to this account in the form and a USPS money order and it has not been applied. This is a felony. This bank has been fined for predatory lending and violation of federal law, false reporting by the FTC and I have not received my funds from the settlement. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This company is continually calling my job. When sent to my voicemail they do not say anything. The phone number they are calling from is XXXX XXXX XXXX XXXX. They even called the receptionist and said they were calling from the US Postal Service. they told her they must speak with me. When I got on the line the person hung up the phone. Their tactics are unscrupulous and deceitful. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Best Buy included a Debt Protection Fee in my statement. This is something that I did not ask for when I made my purchases. I caught it on the first statement but there may be many who do not notice the fee. I called the number on the statement and spoke with a customer service representative. I asked them to cancel the charges. She stated that she would and started to end the call. I asked if the charge was going to be taken off my current statement. She stated that she could not do that but would ask for a refund. Best Buy adds additional charges, makes you call them to cancel and tries to avoid removing the charge. They should not be able to automatically charge these debt protection fees without authorization from the consumer. 

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 member of USAA since the early XXXX. Approximately XXXX years ago, following a divorce and a failed business, I filed bankruptcy. XXXX of the debts included in the bankruptcy was my USAA credit card with a remaining balance that was under {$3000.00}. Intent on trying to turn things around, I signed up to monitor my credit through USAA 's partnership with XXXX. However, soon thereafter I tried to log onto my USAA account and I received the following message : " According to our records you filed bankruptcy and we can not collect certain debts. To obtain access to your existing accounts you may log on by clicking proceed below. ( XXXX ) '' The link took me to a limited and cumbersome USAA Web site and I was no longer able to access my XXXX credit monitoring account. The Web site also gave me limited access to my USAA Automobile Insurance policy and my USAA Auto loans ( which I continued to pay and reaffirmed in the bankruptcy - so USAA did not lose anything on those XXXX loans ). 
I wrote a letter to USAA ( attached ) stating that it seems the only purpose of displaying this message in bold red and redirecting members to a limited and cumbersome Web site is purely punitive and to humiliate its members further. There is no benefit to USAA. It is only a punishment and a humiliation for someone like me who had no other option following a divorce and failed business venture. So every time I log on to make my car payments or to pay my insurance bill or to access some other service at USAA, I am further humiliated. If this is USAA 's purpose and goal, then it has succeeded - I am further humiliated and reminded of my failure a few times each month. 
I received a call responding to my letter - no one wrote back. I was told that the reason for the limited Web site was so that USAA would not inadvertently extend any further credit to me following my bankruptcy. This makes no sense. They could refuse to extend additional credit to me without redirecting me to a cumbersome Web site and displaying the humiliating message. I am also a member of XXXX XXXX, and had to include a debt from their company, but they do n't display humiliating messages or redirect me to some cumbersome Web site. It seems the only reason for USAA to have this policy is punitive. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is a child support on my experian credit, which is the wrong information because i have never in my life time had to pay child support i think they may have mistaken it with my son they need to check social security number more closely. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received the response from XXXX that they had corrected that this amount was not owned, but Experian still has it reflected as negative information. The corporate office of XXXX responded and apologized and they keep soliciting me to be a customer, but Experian has not updated and corrected this information as it was not a charge off, and there is not a {$360.00} that is still owed. Experian really needs to be investigated for this type of behavior and contact the company for solid verification. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a notice from a credit monitoring company that a NEW collection account was added to my credit bureau. I looked it up and it was Jefferson Capital Systems. I have contacted them asking for debt validation and have had no response. I DID NOT receive any notice from this company giving me right to validate or dispute this debt. This debt also says it is NEW and was opened in XXXX 2016 but is also in collections. That is impossible! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Will not stop harassing me I started getting harassed by RS Clark And Associates before I even received a bill from XXXX XXXX. I called the doctor 's office and asked for an ITEMIZED bill several times, and they would n't comply. I told RS Clark that I DO NOT engage with or deal with collection agencies, and to not EVER contact me again! Since then, they have contacted my by telephone THREE times, and by mail ONE more time. This is harassment! I finally received what I was asking from XXXX XXXX 's office, and will be dealing directly with him. Once again, by law, when you tell a collection agency to stop contacting you, they must comply. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I signed an agreement with XXXX XXXX to buy the property XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The closing date is XXXX/XXXX/2015. As a condition of the sale, XXXX XXXX insisted on using its own form, instead of XXXX, to make PSA, required me to purchase title insurance from XXXX XXXX XXXX XXXX, and force me to use XXXX XXXX as the closing agentXXXX XXXX Sales Team had reiterated that XXXX XXXX XXXX corporate policy dictates that we [ Builder ] do not make any changes to the contract nor use any XXXX forms ''. 
In XXXX 2015, the closing agent forged the closing documents, decided that the closing date would be XXXX/XXXX/2015, and team of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Wells Fargo used the Closing Agent to attempt to arm-strong me into taking financial obligation and risking down payment of XXXX cash prior to closing, and receiving nothing after closing. Their sole purpose is to gain money by deceiving me into thinking something which the fraud perpetrator knows to be false, robbing me with forged documents, instead of a XXXX, in the mask of complying with contract. 

Wells Fargo failed to deliver the appropriate loan documents required for the closing, never issued a written loan approval. However, Wells Fargo registered a forged final inspection approval. 

On XXXX, there was no valid Purchase & Sale Agreement, no Loan Commitment Letter from Wells Fargo, which on XXXX confirmed that they had never issued loan approval, nonetheless, the closing agent performed a fake closing. On XXXX, Wells Fargo wired the undocumented loan proceeds of {$490000.00} - which is {$7000.00} less than the expected loan amount - into the escrow account. 

By law, XXXX XXXX shall survive the closing date. However, soon after the designed fake closing, XXXX XXXX released my funds to XXXX XXXX without my knowledge, robbing me with the help from Wells Fargo. XXXX XXXX immediately put the property back to the market. 

Below is the contact information of Wells Fargo Home Mortgage representative : XXXX XXXX XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Synchrony Bank who have in recent times come to hold at least XXXX of my store credit card accounts habitually ( XXXX times a year for each account ) fail to send monthly statements for my accounts. They claim to have sent them, but I have trouble believing that since none of my others accounts seem to have this problem. When they do send statements they arrive with due dates that are frequently less than a week away and then they claim that the payment made through my bank 's electronic banking system was received late even though the payment is taken from my bank account. Then they charge past due fees that exceed the amount of the payment due and jack-up the interest rates. I believe that they are violating the law on several points and have cost me large amounts of money as well as aggravation. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Credit agencies XXXX, Transunion allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine its now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
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 ) I have never lived in Texas nor do I have any such account PLEASE DELETE. 
2.XXXXN 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 7XXXX ( 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
Consumer complaint: My mortgage servicer, Ditech is doing dual tracking. They have started foreclosure proceedings while still evaluating me for a loan modification. In addition, they started foreclosure proceedings after I turned in all the paperwork and was waiting for a response to my loan modification. They then stated that I had not turned in the appropriate paperwork and then asked for paperwork I had previously submitted. Then they sent back XXXX because it was missing a date two months after I had submitted it and without anybody ever advising me that it was not filled out correctly. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Working with Titan Title in XXXX during the closing on the sale of my house was challenging, to say the least! Careless errors, excessive charges, rude and unprofessional employees, and multiple document changes made for a less than pleasant experience. Not only did they charge me {$770.00} in unpaid taxes on a property that I did n't own ( sloppy and careless work ; it was a different address than the house being sold! ), there were hundreds of dollars that would not have been charged with a XXXX XXXX XXXX XXXX. The lender had required that we use Titan Title in XXXX, although the property being sold was located in XXXX. Since there were several charges that our XXXX XXXX XXXX XXXX do not require, we asked that Titan charge at the local rates where the home was located. They refused. Unnecessary charges doubled the amount of my closing costs ( survey instead of a mortgage inspection certificate with a difference of {$320.00}, adjusted to difference of {$200.00} ; bankruptcy search {$80.00} even though my credit score is in excess of XXXX and the house had no mortgage ). When the property tax error was pointed out, they responded with " oops! '' and did n't even apologize. Although my experience with title companies is limited, even my realtor said she had never had such a negative interaction with any closing or encountered such rude and unprofessional behavior. After 5-6 revisions in the closing documents, one last document had to be signed after the closing was completed. The manager of Titan Title called to request a final signature so I had the opportunity to share my complaints with her. She apologized ; unfortunately, it was too little, too late. I would caution anyone in the XXXX area to choose another title company to avoid the negative and difficult experience that I encountered. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Billed for $ XXXX but upon request received verification for only {$82.00}. 

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 applied for a loan while we were in a very though spot -- ha had been laid off and we needed to pay our car while he was between jobs Green Trust Cash XXXX XXXX XXXX, MT XXXX Customer Service at Green Trust Cash Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E mail : XXXXXXXXXXXX Approved us for a loan. the interest rate was at about 150 % which we were not aware of at the time. We thought we would be able to pay it back quickly. We have been paying faithfully since XXXX/XXXX/2015 and still have almost the same mount due ( we have paid a total of XXXX for a loan of XXXX and still have a payoff amount of {$400.00} as of today ) 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Yes my father stole my mail and cashed XXXX or XXXX checks through his bank account with bank of america, name on the account is XXXX XXXX XXXX, fraudulently signed and endorsed my checks though his bank account, bank of america cashed the checks 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is in regard to Suntrust Bank and their overdraft practices. Recently, I inadvertently overdrew my account by {$42.00} through XXXX transaction. The next day, several items that had been previously pending cleared my account and I was assessed XXXX overdraft fees for {$36.00}. One the day these transactions cleared, the purchase that overdrew my account was still pending. All of the transactions posted to my account with a positive balance. Suntrust advised that overdraft fees begin the moment the " available balance, '' becomes negative. That is, the balance in the account that changes throughout the day. I had several other items pending that cleared causing overdrafts because of the way they manipulate their processing. I paid XXXX overdrafts for overdrawing my account {$42.00} with XXXX transaction. The total in fees for this XXXX overdrawn transcation is {$320.00}. Suntrust 's practices directly conflict with FDIC guidance, and are usurious to say the least. Suntrust will not refund any overdraft fees, and acknowledged that the fees were assessed even though the account was only overdrawn 1 time. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2006 I had A auto loan with wells fargo and the car got stolen and the insurance company paid the car off but wells fargo started reporting a balance to equifax and now 10 years later XXXX is still reporting this ( A BANKRUPTCY ONLY STAY ON YOUR REPORT FOR 7 YEARS ) but this show you how big banks control credit reporting agencies 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian reports the following information that does not belong to me : 1- Berks XXXX , XXXX/XXXX/XXXX, {$410.00} 2- XXXX XXXX , XXXX/XXXX/XXXX, {$320.00} ( reported twice ) 3- XXXX XXXX, XXXX/XXXX/XXXX, {$940.00} 4- XXXX XXXX, XXXX/XXXX/XXXX, {$550.00} 5- XXXX XXXX, XXXX/XXXX/XXXX , {$0.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$89000.00} 7- XXXX XXXX, XXXX/XXXX/XXXX, {$1700.00} 8- XXXX, XXXX/XXXX/XXXX, {$0.00} 9- XXXX, XXXX/XXXX/XXXX, {$0.00} 10- XXXX, XXXX/XXXX/XXXX, {$0.00} ( reported 3X ) 11- State of MDXXXX, XXXX/XXXX/XXXX, {$170.00} 12- XXXX XXXX, XXXX/XXXX/XXXX, {$0.00} 13- XXXX XXXX XXXX , XXXX/XXXX/XXXX, {$420.00} 14- XXXX, XXXX/XXXX/XXXX XXXX {$2000.00} 15- XXXX, XXXX/XXXX/XXXX, 30 days past due 16- US Dept of EDXXXX, XXXX/XXXX/XXXX, {$3700.00} XXXX US Dept of EdXXXX, XXXX/XXXX/XXXX , {$360.00} 18- US Dept of EdXXXX, XXXX/XXXX/XXXX, {$4900.00} 19- XXXX, XXXX/XXXX/XXXX, {$620.00} 20- XXXX , XXXX/XXXX/XXXX , {$590.00} Please remove these items 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: received a letter from Sunrise Credit Services , Inc. of a past due debt from creditor XXXX XXXX House. the amount due is {$51.00}. i contacted the collection agency above and agent explained that according to XXXX XXXX House, they sent a letter to me, and merchandise. i did not received any letter, nor any merchandise. the Sunrise Credit agent on the phone insisted that i owed this, and they are offering me a reduced amount to be paid? I told the agent on the phone that i did not received any letter from XXXX XXXX House, and any merchandise. and do not know of any amount of money that i owed. it not much of an amount to be paid, but i just got suspicious of where this transaction came in to being? and why is this collector is offering this at this time. And i do not recall having ordered any merchandise from XXXX XXXX House at the beginning of last year, 2015, according to the Sunrise Credit Services , Inc, agent i spoke to by phone. the account # under my name for this debt is, XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just recently found out the City MORTGAGE AND NATIONAL DEFAULT foreclosed on my property illegally. I was corresponding with CITI MORTGAGE for a modification gave them all the details pertain to my finance. At the same time I asked CITI MORTGAGE AND NATIONAL DEFAULT to validate the debt. The reason why other entities were calling and mention that the loan has been sold. Who do I send payment to? I ask the entities to validate the debt they ignored all my paper work and foreclosed on us. While they were supposedly working with us for a modification. I need to report this asap so they can correct this matter immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: i contacted you about an issues with greetree/ditech. they never address the issues and now have started foreclosure proceeding on XXXX XXXX, 2016 please see case # XXXX your agency sue this company for my very issue, 

Company response: Company believes the complaint is the result of a misunderstanding