AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Respected CFPB, My ONLY LIFE SAVIOR! 

I AM VICTIM OF ID THEFT AND CREDIT DESCRMINATION AND HAD FTC REFRENCE AND AFFIDAVIT, AFFIDAVIT OF IDTHEFT WITH LAW ENFORCEMENT REPORT ANS WITNESS WITH NOTARY. ALL THE PROOF OF HOW WELLS FARGO IS DISCRIMINATED ME TO JUST SAVE THEM AND THEIR BRANCH MANGERS. SO, XXXX they have contract with and many more loans which I found troubling and stood up to it and now they have blocked all of my checking accounts and a Credit card whixh is direct violation of 609e, FCRA and FTC. 

There was ATM MONEY JAM, I DEPOSITED XXXX ONLY GAVE ME THE RECEIPT I NEVER SAW IN MY LIFE HAVING DIFFERENT DATES AND DIFFERENT AMOUNTS. THEN, I CALLED BRANCH MANGER WHO IS ALSO MY BANKER AND ENCOURAGED ME TO OPEN ACCOUNTS WITH HIM INCLUDING BUSSINESS. I HAVE A CREDIT SCORE OF XXXX PLUS AND I GOT XXXX BUREAUS MEMBERSHIP ALONG WITH XXXX XXXX XXXX INSURANCE FOR TAKING CRADITORS TO JUSTICE IF THEY I 'D THEFT ME OR TRY TO DESCRMINATION AGAINST AN HONORABLE CITIZEN. I CALLED VICE PRESIDENT XXXX XXXX XXXX AT XXXX BRANCH AND HE GAVE ME NUMBER TO THR ATM OPERATIONS AND SAID IT HAD HAPPENED WITH THIS MACHINE LIKE 3 TIMES ALREADY. DO N'T WORRY JUST CALL THEM AND HAVE CLAIM. I CALLED AND XXXX XXXX AT ATM OPERATIONS GOT ME A CLAIMS AND SAID THE HOLD WILL NOT PUT ON AND WE OWE YOU THR MONEY SO PLEASE DO N'T DEPOSIT ANY NEGATIVE AMOUNT. NOW THEY ALL STARTED HANGING UP ON ME AND I HAVE LOGGED OF IT AND WITNESSES WHO ARE OTHER BRANCH VP like XXXX at XXXX branch. 
Then the XXXX alerted me wells Fargo has been trying to close your credit card but as you have XXXX they do n't have any reason to do so and they have your card blocked. I then was told when I directly called executive loss prevention and executive wells Fargo office and thry said you are clear we want to know if jam happened so have your branch manger call us and then XXXX XXXX said no they ca n't call them because he never has their number. I was like you are thr one opened me accounts and stile my money being the weeks Fargo representative plz allow me to deposit because all the payments are bouncing and I am going down as being already viticm of I 'd theft they said they do n't care about FTC or neve heard of the XXXX right or who is CFPB. 

Now it 's has been 2 weeks I am jaddicapped inhave all thr cards and money but thry are not lighting thr hold. They are telling me a risk lie! As thr branch manger said that you have caught their lies and now they are scree and want to just kick you out and report yiu to XXXX which again violations alot of them! So, approving me of credit card through XXXX whom I am member and gave me a limit of XXXX how I am a risk and I ran the risk and they all come out golden 100 % clean. So, just telling me on my face in front ppl I am risk is a slap to my religion and culture and ethnicity. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a escrow surplus check from my previous lender ( loan was sold to current lender ) The check I received was for roughly {$4000.00}. Now my new lender has sent me the results of my recent escrow account analysis stating I have a shortage relatively close to what the check was I got in the mail previously. I received documents in mail of my expected payment. This will cause me financial hardship due to the unexpected {$300.00} added to monthly payment to make up for shortage. The check received was used for home repairs/improvements and other expenditures. This is my first home, I am learning as I go of the home purchasing process, with that said I feel like something was not done correctly in my situation and that has caused my financial hardship. How is it possible that my escrow account was basically emptied with no regard to what that would lead to in the future of my account. I was not cautioned or assisted in what this large amount of money withdrawn from my escrow account could be needed in the future, which is now. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: This is not my debt and I never even received a debt collection letter. I received an electronic notification from XXXX XXXX that this collection agency added a delinquent account to my credit reports. 

I want this company to produce ALL information, contracts with my signature, account summary from the original creditor, information showing the date this account became delinquent, and the date this account was originally placed for collection. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have asked for Bank of America to provide me with a copy of the authorization agreement to prove I requested the account to be opened in my name. They have n't sent anything but billing statements which do not legally prove I requested the alleged account to be opened in my name and a letter I will attach. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed Enhanced Recovery Collection agency XXXX XXXX XXXX few times and it was removed because I declared it as not authorized transaction. Today I noticed that a company ERC reported : '' XXXX '' reapeard. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Experian was erroneous information on my credit report and will not remove it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are hard credit checks on my report dating back to XXXX 2013 that i did not authorize. 

Company response: Company chooses not to provide a public response
Consumer complaint: Consumer attempted to finance a vehicle through a dealership that faxed the application to American Credit Acceptance finance company XXXX XXXX 2015. American Credit Acceptance finance company sent back a denial letter ( consumer has copies consumer is attaching to South Carolina 's Attorney General 's complaint form ) dated XXXX XXXX 2015 stating that consumer was NOT eligible to receive financing from American Credit Acceptance, LLC., due to consumer 's negative credit rating. Consumer received a Notice Of Right to Cure letter ( dated XXXX XXXX 2015 ) from American Credit Acceptance stating that consumer has until XXXX XXXX, 2015 to send payment of {$1100.00} on an account consumer was denied ( in writing ) and does not owe. Consumer was sent the fraudulent demand letter by US Mail ( certified return receipt ) which constitutes 'mail fraud ' and is indicative of 'extortion ' under South Carolina 's Code of Laws ( Section XXXX ) and Attorney General XXXX XXXX XXXX Office who has requested a formal complaint be filed by consumer along with evidence accompanying the complaint form as these types of fraudulent practices harms the general public. In an administrative process to begin a formal lawsuit against American Credit Acceptance finance company, consumer is documenting this complaint to attach to the complaint consumer is filing with the South Carolina Attorney General 's Office. Consumer will NOT pay American Credit Acceptance anything as consumer will not engage in extortion on ANY level. Consumer wishes to thank CFPB for providing this venue of mediation and documentation as it is greatly appreciated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was in a car accident in XXXX 2013. The car was totaled. I should NEVER have been billed for the insurance policy! I want this removed from ALL XXXX credit bureaus ASAP. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have created debit cards for my teenage children. The debit card is NOT a credit card but simply a debit card account with no checks. Wells Fargo prevents them from overdrawing the account through ATM machines and certain charges like at stores but allows charges from the internet to go through even though the balance is not there which results in {$15.00} charges for each occurrence, even if the occurrence is {$5.00}. This was discussed with them on multiple occasions where they assure me it wont happen but does. 

This in no way is reasonable, they have all the technical capability in the world and are simply perpetuating overdraft fees based on old methods of writing " hot '' checks. Its simple, if the funds are n't there, then the card wo n't work. They cant say they ca n't do it because they check it at the ATM and they check credit balances preventing transactions from going through. The fact is they are ALLOWING the DEBIT card to act as though its a CREDIT card with no credit limit, this is just wrong on so many levels and another example of how they fleece the XXXX Public. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company continues to call me even though I am not the person they are trying to reach. I have told them numerous times that I have no contact with the person they are trying to reach and have asked that they stop calling. They continue to call and immediately hang up. When I call them back it goes to an auto attendant that transfers me to an extension where noone is available and the voice mailbox is full and can not accept new messages. The number that is calling is XXXX ( Univin Inc. ) 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: This is a dispute for case number XXXX : Once again- the right hand does not know what the left hand is doing. The responses I received from CITI stated they will be sending to satisfaction to the XXXX County Courthouse. I was beyond ecstatic to have this finally behind me after CITI 's " clerical error ''. The same " clerical error '' that has wasted MY TIME, hindered me in potential jobs, and housing options. Now, I have found out after receiving XXXX letters stating this, the satisfaction that was supposingly being sent to the XXXX County Courthouse was sent to my ex- mother in laws house. I have no idea why this was done. This is beyond ridiculous. Now I have to spend more of MY TIME to get this document and take time out of work to get this recorded at the XXXX County Courthouse. I would like to be compensated for my time because of this " clerical error ''. This has been a waste of my time and has ruined my life for the last year. Please make a check payable to myself in the amount of {$1000.00}. Oh and please do not send this to my ex- mother in laws house. My address AGAIN is XXXX XXXX XXXX XXXX XXXX, IA XXXX. You know, the same address on the loan docs. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had co-signed a loan for a XXXX XXXX in 2012 for a friend. I am the make because my credit was more impressive than hers. She fell behind on her payments as she no longer could afford the almost XXXX dollars a month payment. This is falling back on me. My account is currently on my credit report showing that it is in collections. I am currently on social security and XXXX which stops them from collecting anything from me and I was receiving when I signed off on the loan.They send me letters from time to time. I do not want this to backfire on me. 

Company response: Company chooses not to provide a public response
Consumer complaint: this started about a month ago, when i first paid my credit card for {$100.00} for unknown reasons the payment was declined and i have to file a dispute with my bank before the i can get my money .again on the XXXX i made a payment of {$100.00} and i was notified by them that the payment return again i went to my bank and filed a dispute and until now i havent gotten the money on my account yet my due date is the XXXX th of the month and for now we are not on the XXXX of the month i just do n't know what is this.it look like is a scam credit card, also my credit report is not accurate i never filed a bankruptcy but i do n't know why credit report is showing like a filed one i want my report to be accurate. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a mortgage through XXXX that was paid off due to a class action lawsuit against said bank XX/XX/XXXX. I recently received a paper from ditech stating that I owe them {$180000.00} for this same mortgage. I sent them them a copy of the letter stating that the loan had been paid in full, and they just continue to send me a copy of the original note that I signed. Saying that they 've owned the loan since XX/XX/XXXX and that I owe them now, even though the original loan was paid off XX/XX/XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was young and thought I had gotten a check for early payment on services and was getting this nice cozy job but got scammed. It has caused nothing but chaos on my life trying to open a bank account and being denied everywhere due to Bank of America. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I 'm having problems with my credit report. Some or my information that appear on XXXX is incorrect specially about my employment status! It says that there is no employment reported about you. Anyway, I 'm having about XXXX inquiries that belongs to my social security report as I had applied for many credit reports and that 's all incorrect. All what i applied for was XXXX XXXX credit card on 2013. Please Help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: It was brought to my attention that a " Negative ( Not more than two payments past due ) '' was added to my report from Wells Fargo DLR SVC. Wells Fargo has not reported correct information on this auto loan account. First, I am only the co-signor on the account and my friend has not missed any payments in the past 30 days in any month. This past month she was in the hospital, but made an online pay well before the required date for this to be reported. Wells Fargo did not process her payment for over a week causing the payment to go late. This was either incompetence or intentionally done on their part. As a result, my credit score dropped XXXX points and XXXX 's dropped about XXXX points. I want Wells Fargo to amend their report to any credit bureau that they reported ASAP. Also, XXXX has been paying this auto on time for the past 3 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have previously sent ChexSystems 3 requests all via certified USPS registered mail to the mark on my file from XXXX XXXX XXXX, under the Fair Credit Reporting Act and Fair And Accurate Reporting Practices Act and all I received was copies of bank statement of the alleged account that they say belongs to me. Their letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification. 

I contacted XXXX XXXX XXXX and they do not have any proof that this account belongs to me. 

How can ChexSystems verify this information without proper documentation. Bank Statements do not serve as proper method of validation according to the FTC. ( 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ) ChexSystems has yet to correspond with me via mail and is in violation of several State and Federal laws. 

I have tried opening a bank account today and was denied because of XXXX XXXX XXXX showing up on my ChexSystem File. Accordingly, I can show a judge that these accounts meet the guideline for the removal/inaccurate and that you violated the Fair and Accurate Credit Transactions Act and several other rules and regulations, state and federal by ignoring my requests to investigate the items. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX friends and I were booked on a XXXX XXXX XXXX. Because of low water, XXXX XXXX XXXX refunded our money to my credit card. The total amount refunded was almost {$22000.00}. Viking transferred the funds on XX/XX/XXXX and XX/XX/2015. On XX/XX/XXXX I requested a wire transfer of the credit balance to my bank account. On XX/XX/XXXX I again requested a wire transfer. As of today, XX/XX/XXXX, the credit balance is still not in my checking account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have contacted XXXX and they said they do not have any record of this discrepancy on my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was convicted of XXXX in XXXX in XXXX XXXX, XXXX and was in a collections status on XXXX XXXX. The collections company and the XXXX XXXX XXXX did not have the correct address for me on a collections notice for the XXXX fines dated XXXX XXXX, XXXX. My address at that time was at XXXX XXXX XXXX XXXX, XXXX, XXXX and the address the collections company sent the attached collections notice to was an old address of XXXX XXXX XXXX, XXXX XXXX XXXX in XXXXXXXX. I actually received the collections notice XXXX XXXX, XXXX and paid the {$2400.00} on XXXX XXXX, XXXX within 30 days. I had provided the court the proper address before XXXX XXXX, XXXX but they sent it to the wrong address anyway, resulting in the almost 3 month time delay as a result of their mistake. Because I paid the outstanding balance within a reasonable period of time, 30 days, I feel that the court caused the late collections activity because of their incorrect address error. I contacted the court and they even admit that they made a mistake and had the correct address on XXXX XXXX, XXXX but are refusing to remove the Collections Account marker on the Trans Union report. They originally showed the collections account not being paid in XXXX XXXX but then revised it after it was paid. However I maintain that the collections account would have been paid several months sooner had the collections agency and court had my correct address. 

Additionally, the fines were not assessed until I was convicted, which was not on XXXX/XXXX/XXXX as indicated in the Trans Union report, but rather on XXXX XXXX, XXXX, which is the date shown on my XXXX conviction papers. Therefore the item should be removed since it is inaccurate as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was never given an entrance exam to start college and I was told to get a private loan. After I used up the private loan they had me take out federal loans. I have asked Wells Fargo to help me since I ca n't afford to pay this loan, they refused to do anything. 

XXXX XXXX, Ohio 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Best Buy Credit regarding a Hard Inquiry placed on my XXXX report dated XX/XX/2015. Best Buy Credit has no account or a record of application. Best Buy Credit refuses to submit a removal or resolve the situation with XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was convicted of XXXX in XXXX in XXXX XXXXXXXX and was in a collections status on XXXX XXXX. The collections company and the XXXX XXXX Court did not have the correct address for me on a collections notice for the XXXX fines dated XXXX XXXX, XXXX. My address at that time was at XXXX XXXX XXXX XXXX, XXXX, XXXX and the address the collections company sent the attached collections notice to was an old address of XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX. I actually received the collections notice XXXX XXXX, XXXX and paid the {$2400.00} on XXXX XXXX, XXXX within 30 days. I had provided the court the proper address before XXXX XXXX, XXXX but they sent it to the wrong address anyway, resulting in the almost 3 month time delay as a result of their mistake. Because I paid the outstanding balance within a reasonable period of time, 30 days, I feel that the court caused the late collections activity because of their incorrect address error. I contacted the court and they even admit that they made a mistake and had the correct address on XXXX XXXX, XXXX but are refusing to remove the Collections Account marker on the Trans Union report. They originally showed the collections account not being paid in XXXX XXXX but then revised it after it was paid. However I maintain that the collections account would have been paid several months sooner had the collections agency and court had my correct address. 

Additionally, the fines were not assessed until I was convicted, which was not on XXXX/XXXX/XXXX as indicated in the Trans Union report, but rather on XXXX XXXX, XXXX, which is the date shown on my XXXX conviction papers. Therefore the item should be removed since it is inaccurate as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: I request a Credit Report from Experian on XXXX/XXXX/2015, at the same time XXXX request the same credit report from the same company, both were very different scores mine shows FICO XXXX, XXXX XXXX shows FICO XXXX, this discrepancies makes big differences at the time to set rates for Home Loan or Credit Card. In my humble opinion someone has to regulate the game that the credit report company has, XXXX with the consumer, the other with the vendor, is not ethical. 
The issue is that I ca n't print the report because give you an error. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is displaying i have a late on payment on my XXXX XXXX account when it was fixed by the credit about 5 months ago. Experian did their investigation and removed the late payment 4 months ago out of no where they reinserted the deleted information again on my credit report which dropped my credit score drastically. i was denied for credit because of their mistake to add this negative delinquency on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Pro Collect has reported XXXX accounts two times each 

Company response: Company chooses not to provide a public response
Consumer complaint: Several other credit breau corrected my report, but Esperian has not, and avoidedmy attempts to help them, with the other XXXX breau reports. And I need the itemsremoved that are wrong and status of limitation has been over the time allowed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a phone call from gulf coast collection agency about a debt they said I owed. I said that I was the person that they were looking for and asked what the debt was about. he asked for personal information which I would n't provide unless he told me what the debt was and told him again that I was the person and he called me and without him verifying information I could n't give him any personal information at which time he said unless I gave him personal information he would hang up which he did and then posted negative information on my credit report. I want the negative information removed from all reports. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been in contact with Professional finance regarding XXXX accounts that are being reported to Experian, I have disputed both of them via Certified mail and in response Experian has claimed they are accurate and verified, Attached is a letter from Professional finance agreeing to remove themselves from my credit record. I sent a letter to Experian and in return they refuse to reinvestigate. Experian refuses to deal with me and remove inaccurate information from my credit report. 

Company response: Company chooses not to provide a public response