AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was trying to send remittance ( amount of {$210.00} ) to my sister in the XXXX to pay for the tuition of my other siblings via REMITLY.COM of Remitly INC. I sent the money online on XXXX XXXX, 2015 and paid {$3.00} fee so the money will be received minutes after it was sent. Minutes after I sent the money, I received a message from REMITLY saying its taking some time for their partner bank to respond. So I called them up to check the status of my remittance and they told me the same thing that it is taking sometime for their partner bank to get back to them and they told me that maybe its because it is weekend ( I called Remitly on Saturday and Sunday ) in XXXX. So I waited till Monday but still nothing happened. So I called them up again to know what is going on but they told me the same excuse ( of their partner bank not responding ). I complained to them about why they are charging me a fee for a service they can not deliver. To appease me they told me they will waive the fee. But till now I have not received any reimbursement. The reimbursement of the fee does not really matter as much as to where my money went. They told me that their partner bank still has not gotten to them. I was getting frustrated because the money is already needed to pay for my sister 's tuition. I told them to just cancel the transaction and give m my money back so I can utilize other avenues to send the money. They told me they can not do that and that they will get back to me as soon as they hear from their partner bank. It is now Wednesday ( XXXX XXXX, 2015 ). It 's been 5 days since I sent the money and nothing is happening. I keep calling Remitly and all they answer me is their partner bank has not responded yet. I am writing this complaint because first I needed my money back because I need to send it to pay for my sister 's tuition ASAP ; 2nd the company charges for a service they can not provide ; 3rd Remitly continue to do nothing to resolve my issue. All I need is for the transaction to get cancelled and my money back to me if they can not carry out the service they are supposed to do. 

My name is XXXX XXXX ; phone : XXXX email : XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a complaint with CFPB on XXXX XXXX over wells Fargo giving us the run around for almost 3 months now and not helping us with our mortgage. Had a man from wells Fargo call me the next day on the XXXX and say how sorry he was and he would get working on it right away! He said he would have a decision by XXXX XXXX for me. Today is the XXXX, have n't heard anything from them so I called AGAIN! This time I was told my file had been pulled from review on XXXX XXXX and no more action has been or will be takin on this account. I was also told that they do n't do unemployment forbearance anymore they could only give me a lower payment for 6 months then on the XXXX month I would owe all of the past due balances for those 6 months. I 've been working with them since XXXX XXXX and have gotten nowhere! And does n't look like they ever had any intensions on helping me. I 've had my home for 5 years never missed a payment. And now because my husband got temporarily laid off for a few months seems our only option is bankruptcy. This ca n't be right, there has to be help out there for the American working family. Please help!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX, therefore we had to move to another property and leave the one we are currently short selling. Since I am on a fixed income, I can only pay one mortgage and that is the one where I do not have to go up and down the stairs. TCF Bank has made this process very difficult, asking XXXX questions, asking for all sorts of documents, everything was provided to them. All we want is to do a short sale and get with our lives, but once again TCF is making this very, very hard for us to do. I am XXXX, on a fixed pension income, married with a woman who can not work because she has to take care of me, can not live at the property where TCF is the bank XXXX, what else do they want to understand I HAVE A HARDSHIP! They wo n't do a short sale, they wo n't modify my loan, they wo n't do a deed in lieu, therefore they are pushing me to foreclosure! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened a XXXX XXXX account on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah XXXX. XXXX. I fell behind in XX/XX/XXXX. Total amount was {$2500.00}. Fast forward to XX/XX/XXXX. I contacted XXXX XXXX regarding account # XXXX. We entered a settlement agreement amount of {$2000.00}, which was paid in two installments of {$340.00} and a final payment of {$1700.00} on XX/XX/XXXX. XXXX XXXX is reporting now that I owe an additional {$880.00}. No I do n't. The new agreement/covenant superceded the old agreement and the account is paid in full as agreed with a XXXX balance. I would like the credit bureaus to report same or delete the line item in it 's entirety. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is the XXXX Dispute that I have requested you to help me with for Sun Trust Bank. Well I received the XXXX Report and the XXXX report. I am beyond upset with these banks and how they just treat people. As stated on my previous dispute this bank told me a week later after I opened this account that they were closing it due to information that they had received from XXXX and that the account was no longer available to me. Now if you were closing the account why in the great love of XXXX continue to debit another account for the opening deposit. Way after they the fact that you stated that you were going to close the account. Each time that they did n't receive the money they charge me an overdraft fee and and NSF fees which overdrew the account. So they reported me to both XXXX and XXXX with these Contribution Reasons : An account closed and charged off by the contributor, in whole or in part via an automated process, where the contributor has recorded a loss and where the Contributor does not, or is not able to identify the closing of the accounts as due to fraud. Yes rattled my brain as well. I am so done. Now I received a phone on XXXX occassion 's this week from Sun Trust bank but they just left a message stating they were calling me due to the dispute report from CFPB nothing else happened. No resolution 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells fargo home mortgage is claiming I had a mortgage I never had. It was removed off my credit in XXXX from XXXX off my credit. In XXXX it appeared back on my credit from WFH ( wells fargo home mortgage ). Then was removed. in XXXX It appeared on my credit again XXXX. I called the office of the president of wells fargo. They removed it off XXXX in XXXX XXXX. Today I pulled my credit XXXX/XXXX/XXXX and they added it back on XXXX on XXXX XXXX, XXXX. This is illegal. I want this off my XXXX credit. I filed a police report ( XXXX ) on XXXX XXXX, XXXX and an Identity Theft Victims Complaint and affidavit. I spoke today to the office of the president of wells fargo and they admitted it was removed in XXXX. I want them to remove it off XXXX never to put back on again as this was not mine. The original loan on this house was in XXXX. My file has merged with another. help 

Company response: Company chooses not to provide a public response
Consumer complaint: In addition to Experian NOT completing my disputes using the information I provided, I was charged to use Experian.coms website to get my supposed free results of a dispute XXXX months ago. I was sent an email and a link to see results of my dispute and when I hit the link, I was given a response of " We can not provide your results online at this time ''. I asked a rep why this was and they suggested using the experian credit tracker instead. I was told I had to give credit information and was charged each month since almost {$25.00} per month. I called a rep today to cancel this and asked for a refund and was only given XXXX month as a " Courtesy ''. I am sick and tired of dealing this this company. They continue to tell me my disputes are frivolous, they charged me for a free result of a dispute result and they send me form letters saying they will not honor any of my disputes unless I provide new information. I 'd love to be able to, but they continue to validate numerous XXXX accounts and Court records using false information, then telling me it came back verified. Why are XXXX and XXXX able to do manual investigations and Experian not? They are clearly not investigating using the information I have provided and match these accounts with my name only, never looking further to see that the name XXXX XXXX does not legally exist or was ever attached to anything on these accounts with me. Then to add insult to injury, they tricked me into paying for credit monitoring to get results from an investigation I did back in XX/XX/XXXX of this year. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I went to Citi Bank to cash a check that was draw on Citi Bank. The Teller ask for my identification, social Security Number and Job Title to cash a check. Just for clarification in order cash a check and you do not have a check is what because I do not have a checking account do that give them perimission inquiry into my personal life Social Security Number is PIV Confident Item. 

Company response: Company chooses not to provide a public response
Consumer complaint: Keeps calling for the wrong person at my phone number. 

Company response: Company chooses not to provide a public response
Consumer complaint: Enhaned Recovery called my house repeatedly outside the hours of XXXX. Additionally, although credit collection agencies have the ability to remove collections accounts from credit reports, they refused to removed our very small, PAID debt of {$120.00} ( accidentally overlooked as we moved ) and claimed that the FTC requires them to accurately report the account ( which they did, it is marked as paid ) however they outright refuse to remove this tiny colelctions debt from our credit report and they refuse to let me speak to anyone other than their " Operations Manager. '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have made several attempts in requesting a modification ( HAMP ) with BOA, but to no avail. I feel that I am being discriminated against as B.O.A. have made provisions for modifications for other loans and have not approved this loan. In XXXX of 2012 my wife suffered a XXXX and it has left her XXXX and we loss her income. Prior to my wife 's XXXX we were never late in XXXX years on this loan. In addition, this hardship has caused us to be at imminent risk and we are facing foreclosure on this loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an address on my report that is not mine. The address is XXXX XXXX XXXX XXXX, Va XXXXI have not lived in this place. Please remove it from my report. 
Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: DriveTime reported me 30 days late on XXXX/XXXX/2015 for not making a payment on a loan that was paid off by XXXX in XX/XX/XXXX. There is no payment due yet they reported a late payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern ; My name is XXXX XXXX and I am a previous Netspend cardholder. On XXXX/XXXX/2015 I filed a claim for unauthorized charges. I received correspondents in the mail on XXXX/XXXX/2015 informing me that claim # XXXX was found in my favor and {$180.00} would be refunded to my account. Unbeknownst to me, my account was closed on XXXX/XXXX/2015 without reason. I was never informed of anything suspicious on my account nor was I informed that my account was even being closed. On XXXX/XXXX/15 I tried logging into my Netspend account only to receive a message to call customer care because my account was locked. At that time they informed me that my account was closed and the funds were issued to a check and sent out to my address on XXXX/XXXX/15. I have yet to receive anything in the mail and any helpful answers for Netspend Customer Care. I even opted to have the check canceled and the funds put into a relative 's Netspend account. I 've read numerous accounts and complaints about closed account owners never receiving their check as promised. I can not afford to be one of those. If the check was sent out from Texas on XX/XX/XXXX, I should have received it by now. I just need my funds returned please. 
Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have an account with Macy 's and am being harassed by them. I have written XXXX letters to their credit department contesting late fee charges which have been charged to my account after I paid the balance. This has happened to me since XX/XX/XXXX. They are now calling multiple times a day. I have caller ID and therefore know who is calling me. 

I want their calls to stop and to have the late fees removed from my bill. It strikes me as an illegal and unethical practice to charge customers a late fee compounded by the next month 's late fee after a payment has been made. My account is paid in full and yet they continue to hound me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried to get my annual free credit report on line for year 2015 and Transunion will not give it to me because they ask questions that do not apply to me. They apply topply to another person whos information Transunion keep wrongfully adding to my credit report. This happens every year and I have to spend many hours complaining and filing law suits in Federal court just to get my credit report from them. Then the information is incorrect and I have to start all over again every year getting the same information taken off my credit report. It is against the law for them to hold wrong information on my credit report and then due to that wrong information they refuse to give me access to my credit report but allow the other person access to my credit report. Please make this idiot company give me my credit report as this is again affecting my credit and my employment. 
The questions they ask me are did I live at XXXX? which I did not, Was I known by another name of XXXX? which I have not, I have only EVER been known by my own name. Then am I associated with XXXX? which I am not. Due to my giving the correct answers to these questions Transunion again have denied me access to my credit report. It took most of the entire year last year to get this information corrected and once again they have added it back to my credit report when I IS NOT MY INFORMATION. Please see the very many complaints I had to make last year to get my report and then to get it corrected. Now we are back to square XXXX again and they have caused me to lose XXXX jobs because of their NEGLIGENCE 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX offered to settle an account then refused when I didnt have a secondary phone #. Also RUDE and SARCASTIC Supervisor. I called Hunter Warfield regarding an alleged debt to ask if there was a possibility of removing from my credit report with full payment or settlement. The representative said that it can not be removed but she would certainly offer me a settlement of less than the full balance. When I asked what was the lowest amount she would accept she said there were some questions. I verified my name, address, and ONLY phone #. She asked for a secondary # to which I replied I did not have a home phone # and my place of employment didnt allow personal calls. She told me that without another phone # to put on the file she would not offer me a settlement. I told her I didnt understand that policy because I was prepared to close the account that day. She asked me for a friend of family members number and I asked why if she had a confirmed phone # for me. Calling a XXXX party when they have a good phone number for me would be an FDCPA violation. She said sorry. I asked to speak to a Supervisor. Supervisor got on the line and reiterated that they could settle the account. I said, Great! How much can you save me today to take care of it?? He said : I just need to updat the file with another phone #? I again told him that I only had XXXX number, that they had permission to call me on my cell manually but not by an auto dialer. I told himt here was no other # I could give him. He sarcastically said : When you pick up your cell phone and click on contacts you mean to tell me it 's empty?? I again asked why having a freinds phone # was so important and that having and using a XXXX party phone # would be an FDCPA violation. He said : " Fine pay the balance in full then. '' I asked him if it was normal practice to offer settlements to people who have XXXX phone # 's but not people with XXXX?? Doesnt that seem like discrimination? He said I can pay the balance in full if I do n't like it. We ended the call with me asking them to call back when they would like to offer me the settlement they first spoke of. He hung up. XXXX hour later the XXXX representative called me again and said : " what 's up with the account? '' Sarcastic and unprofessional. I asked if she was going to offer me the settlement figure and she said she needs a XXXX #. We ended the call the same way with me saying that I would gladly discuss with them when they were ready to call back and offer a settlement. 

I do not understand their arbitrary practices of offering a settlement not do I understand their need for an alternate phone # for a friend or family memeber when they have a good contact number for me. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I disputed with transunion last year in XXXX about discrepancies on my credit report. The balances were in accurate. There were some accounts showing late when they were paid etc. It took about 3 weeks to resolve but we did! I asked for a copy of resolve letter and they provided me with it. So my question is this ... Why is my credit still showing all these negative accounts!!! I have the document that they sent. If this is not resolved, i will be taking this to court. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made an overpayment via my online banking on XX/XX/XXXX and itwas credited to my card on XXXX.The card actually had a XXXX bal. I made the mistake of sending it to the wrong credit card company. I discovered thison XXXX XXXX and called them. I asked for it to be credited back to mychecking account. I gave them my routing number and checking accountnumber. After XXXX calls to find out why it was not done, they just kepttelling me it had to be processed. It is now 7 days later, XXXX XXXX and I wastold that the {$250.00} was going to be sent back to my checking todayand it would take another 3-5 days to process this. This is a total of 10-15days to get my money credited back to my checking account, when allalong they had the {$250.00} in my account. We could see it in my cc acct. 
I do n't know what the regulations are for this type of problem, but, I thinkthat 10-15 days is way too long for them to credit this back to me. when I ppay my bill to a cc it goes in very fast, 2-3 days max, ( online billpay ). Butwhen I need to be credited it 's 2 weeks? what 's up with that? I spoke witha supervisor in XXXX, XXXX and today with XXXX, XXXX. It was an AT & T Universal XXXX Card through Citibank. I have never been late, paid bmy bill off in XX/XX/XXXX and have a very high credit score. I am a responseible professional and really do not like being taken advantage of and treated so badly. If you can help me with this I would appreciate it. 
Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan has been paid off since XXXX 2015, and is still being reported as an active loan on my credit report. When I contacted the company I was told that they have been working on the problem for over a year now. When I complained that my credit score was suffering, I was told " You and everybody else ''. They then told me that maybe it would be fixed in a couple of months. What can I do to correct this? My score dropped by XXXX points! 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is about maintenance fee being charged on checking account by Bank of America. Recently, since last 2 months or so, BOA changed how to charge maintenance fee. Checking account information clearly mentions that a monthly fee will be charged for checking account if average monthly balance is less than {$1500.00}. However, since last 2 months, BOA has started charging monthly fee when bank balance is less than {$1500.00} even for one day and your monthly average balance is more than {$1500.00}. When you complain, they will give you credit but have not changed their method/algorithm to calculate monthly fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: Roughly XXXX years ago I held accounts with Bank of America. After having recurring issues with the account, the account was closed and eventually charged off. I paid BOA all monies owed XXXX {$170.00} XXXX, and have obtained receipt of payment. I recently went to open a bank account at another institution, and everywhere I go I am told that I am unable to open a new account of any kind due to a BANK OF AMERICA account that was satisfied. When I went to BOA to enquire about this, they said informed me that it was nothing they could do, and that this matter is in the hands of XXXX. After contacting XXXX, I was told that BOA reported me for suspected fraud. I later learned that XXXX is an entity jointly owned by BOA and other major banks. I have never been fraudulent in my dealings with my accounts, and was never notified of such suspicion or allegation from Bank of America. It is my understanding that bank records remain on XXXX for up to XXXX years ; however, with this XXXX situation it appears I can be restricted from opening bank accounts for another XXXX YEARS?! After repeated conversations with Bank of America, as well as having PAID IN FULL the debt owed, it appears I am being blacklisted from banking elsewhere, even though I OWE NOTHING to them. I AM BEYOND FRUSTRATION!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I started a new loan with Wilshire consumer credit in XXXX of XXXX payments were {$180.00} per month the loan amount was {$2500.00}. I kept looking at my statements and the balance never really changed I spoke to a loan agent and apparently my interest rate is 75 % since XXXX XXXX my total payments is over a {$1000.00} and only {$140.00} went to the principal. I did not know this till I called last week. That type of interest rate mean I wont be able to pay this off till XXXX or XXXX. I believe this to be abuse. 

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