AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In late 2014, I removed overdraft protection services from a Wells Fargo checking account. I did so while going through tough financial times to avoid the large and onerous {$35.00} overdraft fees. Through my Wells Fargo debit card, I have multiple automatically re-occurring payments set up for services like XXXX, XXXX and XXXX streaming video services. In the past when my account balance has been insufficient to cover those transactions, they 've been denied by the bank as expected. I can point to specific instances on XXXX XXXX and XXXX where this occurred. Last month, on XXXX XXXX, a payment was submitted by XXXX for {$8.00} when my account balance was a negative balance of approximately {$240.00}. As expected, the payment was declined. On XXXX XXXX and XXXX, I made deposits to my account totalling {$220.00} to bring my account balance to about negative {$20.00}. On XXXX XXXX and XXXX, XXXX reoccurring payment were submitted for which my account balance was not sufficient. Contrary to my expectations, these payments were authorized and I was charged for XXXX seperate {$35.00} overdraft fees, a total of {$100.00}. In contacting Wells Fargo today, they were unable to provide any explanation of why these payments were authorized and overdraft fees were charged, contrary to what has occurred on my account in the past. The only suggestion they could provide was that perhaps the merchant/vendor had done something different with the payments. To that end, I contacted the customer service of a specific merchant ( XXXX ) to check to see the payment they submitted on XXXX XXXX differed in any way from previously pre-authorized payments. Per their customer service, it did not. I was also advised that XXXX submitted another pre-authorized payment attempt on XXXX XXXX which was also declined by Wells Fargo. So far in contacting Wells Fargo, I have been unable to determine either why payments in the past they claim should have been authorized were not, nor why payments these payments were authorized, despite of payments for the same amounts from the same vendors in the past being declined. I suspect, though can not confirm, that there exists some rule within Wells Fargo ( perhaps unknown to their customer service representatives ) that overdraft transactions are somehow authorized or declined based off of account balances. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. 

Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been XXXX months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. 

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! 


The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 

So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' I request that you do this immediately, which I am sure you are already aware of. 
Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611. 
If your company, Experian, fails to comply with federal regulations by credit reporting agencies ONE MORE TIME, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violation of the Fair Credit Reporting Act 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX set up a XXXX account under my social security number but wrong name my name is XXXX XXXX XXXX not XXXX j XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: As of this date, I have not received a reply to my complaint dated XX/XX/XXXX I did, however, receive a letter dated XX/XX/XXXX XXXX Required Information Notice XXXX. I am very concerned because the letter " acknowledges receipt of the Assistance Review Application, but has determined it is incomplete '' but I NEVER completed or submitted an Assistance Review Application. Can you please assistance me in obtaining a copy of the Assistance Review Application reportedly submitted? 
Also, SPS has yet to respond to the Notice of Errors dated XXXX XXXX. Clearly, it is not in my best interest to negotiate any loss mitigation options without an accurate accounting of : a. what I paidb. when I paidc. an explanation of questionable chargesd. an explanation of illegal upfront feese. an accurate account of the loan balancef. who actually owns the loanMost important, SPS has refused to respond for the request that they honor the previous modification I entered into with XXXX XXXX XXXX in XX/XX/XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: GLC financial stated that I took a cash advance from XXXX XXXX XXXX and did not pay. I went to XXXX months ago and they have no record of me doing a cash advance and they stated that there system has been hacked. GLC stated that they are sending me to the district attorney. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX used my social security number to open a XXXX accout without permission 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has inserted a phone number, into the credit report they maintain on me, from those committing fraud and stealing my identity to take out a credit card in my name. They apparently attained the number from XXXX XXXX, the company issuing the fraudulent credit card in my name. I have been the victim of ID theft four times in the last XXXX years, with the last XXXX occurring when I had a freeze on my credit. However, the thieves have gotten credit cards from XXXX XXXX each time anyway, using my credit with Experian and XXXX as well. Now they have allowed the thieves to insert their telephone number in my credit file. Additionally, Experian has mysteriously lowered my credit score XXXX points, for no apparent reason when there has been no negative reports or activity. Please investigate to get Experian to stop being part of the fraudlent activity. 

Company response: Company chooses not to provide a public response
Consumer complaint: Green Tree Financial calls up to XXXX times a day starting on XX/XX/XXXX. My mortgage was discharged in BK and I am current with my payment. I always make my payment at the end of the month and pay the late fees. The payment is not 30 days past due .Between this number and one other one, I can receive XXXX calls per day. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Greentree has failed to respond to a qualified written request for several months. They have failed and refused ( and continue to do so ) to process my automatic monthly debits form my checking account, resulting in fees and costs for XXXX late fees as a result of their error and last-minute " speedway '' fees, which upon information and belief contributes profit to Greentree 's bottom line. During the call, Greentree makes false statements including that " free options, such as our monthly automatic payment '' are available. I have signed up for the same and Greentree has not initiated withdrawals pursuant to my instructions despite my explicit instructions to do so at least ten times. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My name is XXXX XXXX XXXX. This issue with a Loan Till Payday account was previously reported to you for collection practices, etc. I had a pay day loan in 2013. At the time, I banked with XXXX XXXX, who advised me that pay day loans are not good, and in the end XXXX closed my bank account, it was involuntary. In the interim, I made payments to the agency. XXXX and XXXX were the primary contacts. On the last payment, due to the fact that I told him I was coming in to pay cash, and they withdrew the funds, electronically, my account was affected. XXXX advised me that the payment made was the last payment and the other ( which was primarily interest remaining ) would be charged off. XXXX later called me and advised that XXXX was not authorized to make that decision and demanded the payment. I do n't understand how one person can cancel the arrangements made by someone else. 

In the end, they sold my account. It was reported to you, and that creditor then stated no further collection activity would occur. 

Last week I began receiving calls from a collection agency, XXXX XXXX stating I would called for a civil deposition on this account. I do n't even know this agency. Later, I then received another call stating that I needed to hold, and after several clicks was connected to someone at a Mediaction service. I denied the owing the loan and stated it was paid. 

Today, I received a call from an outsource service courier about a missed appointment or hearing??? What?? I have no idea who these people are. I called Loan Till Payday and was advised the loan was sold and I needed to settle with the new company. So, does this mean they are continuing to attempt to collect {$200.00}. 

I attempted to call the numbers, and now no one picks up just a voicemail. I called the supposed service courier and advised that their number was showing up as a spam/fraud number and that if they were a legitimate company then they should leave their name, location, a number ( not a voicemail ), and the case they are calling me about. I have not been served with any collection documents - why am I being threatened with a deposition??? 

Telephone number recently calling me : ( XXXX ) XXXX. 

Please help. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XXXXThey claim i owe {$330.00} when XXXX needed to replace a product due to the 3G product failing and only a 4G product could replace it. 

Its costing me XXXX per month in my home loan due to this issue. 

Many others experiencing the same issue : XXXXXXXX : XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am trying to refiance my home loan, I have gone to the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and both of them say they can not give me a better rate on my home loan because US Bank is reporting 99 months of payments on my home loan as follows:XX/XX/2015 - open XX/XX/XXXX Mos. reveiwed XXXX, 30 days past due 13 times ( no date ) 60 days past due 2 times ( no date ), 90+ days past due 6 times, payments {$1100.00} for 600 months ( no date ), US Bank said it is not reporting anything past due as far as there records show everything is current. and that they do not report from the day we received the loan XX/XX/XXXX. I need to have this information removed from my report it is the only thing I am told that would take my credit rating down to XXXX and my husbands down to XXXX, one of the reason stated is time since delinquesncy is too recent or unknown. The reporting is on page XXXX of XXXX in the attached document. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a public record due to common law. This debt was created without knowledge, but was paid in full to clear my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan was originally taken out in XX/XX/XXXX through XXXX XXXX for {$8000.00}. XXXX was taken over by Greentree. They hold title to XX/XX/XXXX XXXX XXXX. I have been making payments on this loan for 11 years & the balance is still {$7100.00}. I have missed payments along the way due to unemployment & health issues. 
I believe they are charging me interest on interest, have tried several times to come to an agreement with them & they refuse. Have told them they can come get the car, they say they do n't want it. I feel this loan has been more than paid for. My only recourse at this point is to file bankruptcy as I ca n't continue to make payments on this loan. I 've also considered seeking an attorney to see if there is any legal recourse I can take against the company. I feel Greentree has unscrupulous loan practices. They have made XXXX of dollars off this loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX I stayed at XXXX 's of XXXX XXXX with a tradeshow. XX/XX/XXXX I received a phone call from Allied Collection Services of XXXX XXXX stating I owed {$160.00} to XXXX 's of XXXX XXXX. I told them that I did stay at Ballys ' and if they could tell me what the charges were for, I would pay them. The gentleman told me he would mail them to me but I never received anything. On XX/XX/XXXX I received another call from a different person ( XXXX ) from Allied Collection once again stating that I owed {$160.00}. I once again asked for documentation which they said they would mail to me. On XX/XX/XXXX I received a copy of my credit report in which the {$160.00} debt severely degraded my credit score putting a mortgage for a new house in great jeopardy. I called XXXX of XXXX XXXX but they only keep records for 90 days and could not tell me what my bill was for. I called Allied Collections and paid the bill even though I have no idea what it is for since I felt like I had no choice. Now I possibly will default on a new house offer and lose a {$10000.00} down. I paid the debt with interest and a credit card fee and feel like I have no recourses. I did n't even know I owed the money to Ballys and I 'm really not even sure if this is related to my stay. I had an XXXX credit rating and no debt before this event and now I 'll probably have to tell my kids that XXXX 's has taken the new house from us ... .. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo has placed a hold on my Savings Account XXXX with a balance of {$30000.00} as of XXXX XXXX, 2015 and has not provided any reason except to say they are investigating a " suspicious transaction. " I have been a loyal Wells Fargo customer for over twenty years and am very frustrated because my money has been withheld from me unfairly and there has been no communication from Wells Fargo. I have called several times, visited my local bank center, and now have paid my lawyer to write the bank a letter asking the money to be released and communicate with me as to what is going on. The Bank letter gave them a deadline of XXXX XXXX, 2015 for a response and as of today XXXX XXXX, 2015, we have heard nothing from the bank nor has my money been released back to me. Please help me get Wells Fargo to provide a reason and return my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a USAA charged off that 's being reports monthly to my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There are several credit card accounts on my credit report that do not belong to me. Based off of my credit report, it says that I am an authorized user on XXXX credit cards that do not belong to me. 

XXXX/XXXX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My address is incorrect it should beXXXX XXXX, wa XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an acct with you that was from identity theft and is fraudulent that i have not opened or opened any associated account i have filed a police report regarding this issue of the acct being opened fraudulently and have a notarized identity theft affidavit and it has yet to be removed or collection closed 

Company response: Company chooses not to provide a public response
Consumer complaint: To Whom It May Concern : I am filing a complaint against Amegy Bank for insurmountable stress, loss of time at work, sleepless nights, XXXX days of driving and hours on the phone and in your bank. As of today, XXXX XXXX I still have no answers. 

Saturday morning XXXX XXXX I pulled into an ATM to get money out of my account. My husband 's direct deposit had gone through the night before and my husband and I had traveled to XXXX XXXX on Friday night for a short vacation weekend. 

On Saturday morning I tried to open my online banking account from my cell phone. After several failed attempts, I called the number on the back of the card and was told that my account was frozen and they could not disclose to me why. They instructed me to call the branch where I opened my account. I did. They also told me that they could not give me any reason why because that department was not in on Saturday. We were told by one Amegy employee that the hold was due to fraud by a write-off of a closed account from 2013. 

We have been with Amegy for XXXX years. We have never received any kind of letter or email in reference to a debt we owe to Amegy. We were treated on the phone like criminals. We had no other means to get funds to come home. We were told by customer service that someone would call us back, they did not. We spent the rest of our weekend trying to get answers and our funds released to no avail. Our vacation was ruined and we had to borrow money to get home on Sunday. 

Monday morning we spoke with XXXX XXXX XXXX of the XXXX branch who was able to release our funds but our debit cards were closed. We live XXXX minutes from Amegy, made XXXX trips that day trying to get to answers & money out of our account. XXXX XXXX did everything he could to get answers for us. Your fraud department, he found out, thinks that I owe {$260.00} but as XXXX XXXX showed me on your computer, I do not. My account was closed properly with XXXX XXXX XXXX ( my banker for XXXX years at the time. ) I know that I am not a large account holder. My wife and I are in our XXXX 's and I had XXXX and can not handle this level of XXXX. 

At this time, XXXX XXXX, XXXX XXXX, we still have no answers. Again, XXXX XXXX is doing everything he can to help us but I need to know who is able to hold {$2000.00} on a {$260.00} debt I do not owe. 

I am requested someone to please help us. 


Sincerely 

Company response: Company chooses not to provide a public response
Consumer complaint: Illegal collection practicesharrassmentthreatsThe mortgage company contacted me demanding that I bring the account current. In XXXX of this year I missed a payment but I 'm doing the best I can to pay once a month since then. 

XXXX, from Greentree started to read me the disclosure about collecting from me when I informed her she had no legal right to collect from me as I a not on the Note. I am only on title. This should all be in the notes in the file as I 've been having issues with Greentree and illegal collection tactics since XXXX 2015. 

The loan was in my exhusband 's name only. I was deeded title to the property in the divorce. He filed bankruptcy after the divorce and discharged the debt. I reaffirmed with Greentree and have been making the payments since. 

When I got one payment behind in XXXX, I started receiving up to 8 calls a day from Greentree trying to collect. Even after I told them repeatedly that they have no legal right to collect from me because I '' M NOT ON THE NOTE. 

Today I got a call from XXXX from Greentree demanding that I bring the account current or they would start foreclosure proceedings. 

I explained for the millionth time the situation. 

She continued to harrass me after I told her she did not have my permission to contact me at this number. She placed me on hold and put XXXX on the line. 

Then he proceeded to harrass and threaten me as well telling me that if I didi n't make a payment and bring the account current it would go into default. 


The account is only 27 days past due as of today XXXX told XXXX I would make another payment in about a month and that the house is under contract and I 'm just waiting for it to close. He demanded I tell him when it would close. How XXXX do I know? So I told him I would get my crystal ball out and see if that would tell me. 

Then XXXX said that I was living in 'Greentree 's property ' that it did n't belong to me and that I needed to bring the account current. It 's only 27 days past due. 

I am sick and tired XXXX. I am doing the best I can to keep the payments up. 

They have tried numerous times to collect from me after I have told them not to. 

I 'm tired of being harrassed when I 've done everything I can to keep sending in monthly payments. 

Hopefully my house will close quickly so I do n't have to deal with these jerks anymore. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I utilized PayPal as a money transfer service to send/receive money with my fiance for rent, utilities, and other bills. In addition, my PayPal account was linked to my eBay account for purchasing/selling products. PayPal is currently holding {$1400.00} of my funds without just cause for " up to 180 days. '' I have contacted PayPal representatives on numerous occasions to request evidence of any violations of PayPal User Agreement, but have never received a response. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I took out a loan with XXXX to have a procedure done. They quoted me for XXXX dollars but only provided the doctor XXXX and I still had a balance with the doctor of XXXX. Moreover, I would pay back XXXX dollars for three years XXXX a month. I hit hard times so I missed XXXX payments and also decided not to have the procedure done. I was told todat by the doctors office that XXXX rescended their loan and that the doctors office sent them their money back. So I should not have to pay anything because not only did they pull their money back I never got the procedure. 

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