AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Wells Fargo & Company is violating the Federal Fair Debt Collection Practices Act by aggressively threatening to sue myself and my mother ( co-signer ) of a student loan when Wells Fargo & Company is well aware that I have served Wells Fargo & Company with a cease and desist letter AND according to the consumer contract ( which Wells Fargo & Company refused to provide to me ) the contract forbids court cases and requires all cases be brought via Arbitration. 

Wells Fargo & Company is violating the Fair Debt Collection Practices by making false threats that the allege debt will go to court even though Wells Fargo & Company is well aware that bypassing the Arbitration agreement would be illegal and unlawful. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2016 I proceeded to pay my online bill to American Medical Collection Agency located in XXXX NY. Since I am unemployed I sent up arrangement to pay {$20.00} monthly.as it stands I had a balance of {$650.00}. I paid {$20.00} which was the agreed upon amount that I set up with this collection agency. When I checked my bank statement on XXXX/XXXX/2016 this agency took the whole amount of {$650.00} from my checking account. My confirmation for paying the {$20.00} was XXXX. What sickens me is that I never received an email stating that my {$20.00} was accepted. This is fraud in the highest degree and consumers must be aware .i am requesting the this collection agency refund what is owed to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion is reporting a bankruptcy from XXXX, Colorado on my credit report. First off, I have never filed for bankruptcy. Second, I 've never lived in or been to Colorado. I disputed the report. They came back after30 days and said they did n't find enough evidence to remove it. I called Transunion and was told I was wasting their time. I contacted the court where I supposedly filed the bankruptcy. They did not have my social security number or birthday associated with my name on file. I do n't know what to do from here. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Trans union I spoke to a rep. regarding my file and fraudulent inquires and bankruptcy that is listed on my file today. I was told that they have not received no documents from me. I have sent Trans union my identity theft police report three times along with my ID and other documentation regarding my disputes. Certified letters via US POSTAL SERVICE ( tracking # XXXX. And once by regular mail. I also called in the last three months disputing my credit file with a fraud specialist, only to receive the same results no bankruptcy or inquires removed, with a statement verified its yours contact the creditor directly to resolve. I have contacted these companies, their response to my letters all states, I had apply for an account online AND WE WILL NOT REMOVE THE INQUIRE. I sent letters the court house were the Bankruptcy located, no reponse. I have also opt out from any and all promotional inquires last year with Transunion. I noticed that XXXX inquire was just pulled on XXXX/XXXX/2016. I have filed a identity theft report with FTC.gov. I have place fraud alerts on all my credit files. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I entered into a car loan with GoFinancial and was never provided with any information about how they processed payments. I made my first payment over the phone and was give the option to pay using my credit card for a nominal fee ( I think it was {$4.00} ) which I agreed to. After processing the payment I looked at my credit card statement and GoFinancial had submitted the payment through XXXX XXXX and my credit card company had processed the charge as a cash advance charging me a {$15.00} fee and daily interest on the amount of the charge. I would never have paid the car loan with my credit card had it been disclosed to be that they would process it through XXXX XXXX. I spoke with the manager at Go Financial who informed me that they do not have to disclose how they process payments and they will not refund the fees that were charged to my card. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: on XXXX/XXXX/2016 I made a deposit of {$400.00} and at the time my account was over drawn. The account was brought to current and check cleared my other account. I had a payment presented in the amount of {$180.00} and there was enough funds to cover however Bank of America returned my item unpaid, charged me a {$35.00} fee they placed a hold on my deposit. even though it cleared my bank the next day. on XXXX/XXXX/2016 there was an additional deposit made in the amount of {$500.00} in cash. there were some other presented and paid, the {$180.00} was presented again and yet again the payment was again returned and I was assested a fee again. Not only is this unethical to return a payment when the funds are there. I was charged {$70.00} in fees. I am requesting that the fees be remitted to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Had to put alerts on my credit reports now I can not access Experian and can not reach them by phone to find out why their report is not showing up. I have called their number and there is no option to speak so anyhone, it is all automat4ed and the option I needs I not there. I am trying to possibly refinance with lower interest rate but need access to all XXXX credit reporting agencies for this company to see if I qualify for a particular type loan. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 'm being denied for a loan that I qualify for because my past short sale which settled on XXXX/XXXX/2011 is showing up as a foreclosure in the automated XXXX and XXXX XXXX underwriting report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a promo mailer for {$200.00} to open up a new checking account ( which is attached ). I went into the branch with the mailer and opened the account. Before leaving I verified that I had met all the requirements to receive the bonus, which the account rep verified. It 's been over a year and I have not received the bonus. I went in to the branch twice to ask why it has n't posted and they could n't tell me why, but said they would " look into it ''. I also called the customer service number and submitted an online secure message through Region 's website and received the same response. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern, This is a second time I submitted a complaint for BofA on this forum for not cashing a payroll check. The first was last year, case XXXX. 
At that time, BofA replied with a letter saying they are required to cash payroll checks as long as the account has funds and I have a government issued picture Id. From that time forward, most of the branches would cash the payroll with some occasions where the branches would NOT and I would call the BofA corporate office to resolve issue for a few more months. 
This is now the 3rd or 4 time I have to call the corporate offices over the year and it is getting tiring. 
Today was the day I decides to open another complaint here for the same issue since I was denied again at the XXXX NJ BofA branch by manager XXXX XXXX. 
I will ask again, as long as the account has funds and I present correct ID, what other reasons can a Payroll check not be cashed at the bank it is drawn against? 

With kind regards, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXXXXXX NJ 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: EXPERIAN HAS WRONG DATE OF BIRTH AND YEAR. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Got an unsolicited credit card in the mail. Call now to activate got a human, not a computer service. Asking for supervisor got " He is not in yet ''. Credit limit was {$150000.00}. IMCA Capital. XXXX. Return address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Activate on line at www.activatecardnow.com. 

This appears to be a site to loan money to small businesses, not a CC supplier. I consider this deceptive advertising and a considerable nuisance as well. It made me suspect identity theft. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: This will be the 3rd or 4th complaint from me towards US Bank. This matter is still not resolved ... .I have had it. I have continued to maintain the property for two years, they have had a valid offer for over a year and they still have not made a decision. I am not going to continue keeping up this property. When I stop, this house will rot. It is in a bad area. They are so fortunate they even received an offer and that the buyer has hung on this long and now they will lose this buyer. I really do n't even know what to say anymore. Absolutely ridiculous. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased the home at XXXX XXXX XXXX XXXX in XXXX through XXXX in XXXX of 2003. I have never been late on a payment or had any issues in the, almost, 13 years since. Since the inception of the loan I have had the mortgage taken directly out of my checking account. 
In XXXX of this year, after a 3 month interview process, I was offered a job in XXXX XXXX. I started with my new company on XXXX XXXX. From the day I accepted the offer my life has been upside down. I have a XXXX, a XXXX year old and a XXXX year old. I had one month to find a place to rent in XXXX XXXX, tie up loose ends with my employer, figure out health care ( a must with XXXX little ones ), find a new pre-school etc. Since we did n't have any time to look for a new home we are renting a small condo in a rough part of the city. My wife agreed to the area because it was " temporary ''. We were to move here for a couple of months while we found a new house. We are now past the holidays and are starting to look for a new home. With everything going on I did n't notice that the mortgage had n't been deducted from my checking account. I have n't given this a thought in the last 13 years! I thought that an automatic deduction was the safest way of paying the mortgage. I never received any notification that the mortgage holder had changed. 
On Wednesday XXXX XXXX I received a call from someone in the XXXX. This was the first inkling that something was wrong. XXXX called me in the middle of a meeting. I had to tell her that I would call her back. That night I looked my checking account and realized that the mortgage had n't been taken out since XXXX. As you can imagine, I was upset. Anything negative on my credit can potentially ruin my chances to get a new home loan. I called XXXX back the next day ( Thursday the XXXX of XXXX ) and gave her my checking account information to pay off all of the unpaid balance. Of course, I had all of the money ... it had just been sitting in my account. On Friday, the XXXX of XXXX, I called back to follow up on the payment because I did n't see that it had been taken out of my checking account. It was at this point that I realized how this could truly harm my family and me. The organization had reported a 90 day late and 60 day late to the credit bureaus. I will not be able to get a loan with this on my record. This would effectively take me out of the market for a new mortgage for years to come. I know that I should look at my account carefully and I usually do. The last couple of months have been crazy for my family and me and it just did n't dawn on me that this would ever happen. It was a total surprise that I rectified as soon as I could. 

This is in regards to Experian. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX I opened up an account at the US bank XXXX location when opening the account the branch manager XXXX helped set me up an account I was asked for my current proof of address I showed her my temporary valid Oregon driver 's license & a decree from the court for my name change she said that was okay & proceed to open up my account & everything was okay until 2 days later on XXXX/XXXX/XXXX I missed a call from the bank I returned the call & got transferred to the branch manager XXXX she then told me to bring in a proof of address I told her that my id has my current mailing address on it she told me to bring in a document after I had already showed her proof when opening my account the same day I brought in the document at her request XXXX/XXXX/XXXX I got another call from the bank manager asking me to bring in another document that has my name & proof of address again I told XXXX that I have already gave her several documents of my personal information & that its difficult for me to come in to bring in documents being that I have a XXXX & do not have access to a computer at that time she went on to tell me I have to bring in what she has asked for because my account will have a hold on it on XXXX/XXXX/XXXX I bring in the documents that XXXX asked for the very next day she made it difficult for me to use more then a XXXX for daily purchase 's & I tried using my atm card on XXXX/XXXX/XXXX & it would not let me access my funds I asked can I come into the bank & withdraw small amounts of my money per day until all is taking out she told me she has to order the money from the bank & that it would take 1 week I am being profiled with my own money I have tried calling district manager 's & other managers from other locations & still no one can help me no one has called me I look into this matter yet I also have proof that I emailed the bank manager XXXX & she never sent me a reply & the message was sent successfully Thank You. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On or about I sent in a dispute to Experian regarding XXXX collection accounts. I have not received any response regarding this inquiry. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My ex husband and I owned a house in XXXX, NY. As a result of our divorce, we had sold this house as a SHORT SALE XXXX 2013. Our mortgage company XXXX XXXX used XXXX insurance company for the PMI insurance. After closing of this home, XXXX sold the loan to DYCK O'NEAL collection agency. DYCK O'NEAL then came after my ex husband and I for {$50000.00}. Because of this, my ex husband filed bankruptcy and included this {$50000.00} in the bankruptcy process. Since he was no longer responsible for this, DYCK O'NEAL has now been after me for the FULL amount of {$50000.00}. It shows up on my credit report and is a red flag which is not fair since it was a joint account. My question is why is this {$50000.00} if this was part of my mortgage payment that I paid for four years prior to the short sale. Also, if it was included in the bankruptcy files, why is this still a problem? DYCK O'NEAL has not wanted to work out a deal with me or help me with REASONABLE payments. Now, after speaking with many different mortgage companies and banks, I 'm realizing that this may all be in error or I have been a victim of a scam. The bank representatives told me that they have never heard of the PMI collection agencies requesting this large amount before. I just want to make sure that this is legal and would appreciate information on how to proceed. If proof of my ex husband 's bankruptcy is needed, I can obtain those records. I am attaching the closing documents from my short sale to prove that I no longer have this property and that all paperwork was indeed complete. Thank you for your help. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My wife ( XXXX XXXX ) and I were having e-mail communication with our lawyer XXXX XXXX, ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. # XXXX, XXXX , NY XXXX. XXXX ) ). At that time we were discussing bringing to him a check for deposit into an escrow account in order to secure a house purchase contract. Seamlessly and immediately after the deposit instructions, we got an e-mail allegedly from XXXX XXXX asking us to wire the money instead to -- Bank : XXXX XXXX XXXX XXXX Address : XXXX. XXXX XXXX XXXX. XXXX, XXXX XXXX Beneficiary : XXXX XXXX XXXX Co Address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX Account no : XXXX. 

Since we had been having smooth e-mail communication with our lawyer for days throughout this real estate transaction we felt comfortable complying with that request. Fortunately, fifteen minutes later, my wife saw our lawyer, XXXX XXXX, ( who she works for part time. ) He said that the request did n't come from him!!. Learning this, she went back to the bank ( Citibank, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX ) as soon as she could to cancel the wire transfer. All this occurred within a half hour. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX-XX/XX/XXXX, my Macy 's American Express Card was fraudulently charged XXXX times for almost {$8000.00}, way above my credit limit of {$2700.00}. My card with a chip was in my possession. Inside job, I told them. I called them to complain XXXX XXXX. They told me that they will remove the charges and that I will not be liable ( but, of course! ). XXXX XXXX, XXXX, they sent me a new statement : they closed that particular card, transferred XXXX fraudulent charges to a new card, charged me a late fee and interest charges for XXXX fraudulent charge that they did not transfer. I called again and complained. They said to ignore again, and that it will take 3 months for them to look into the matter. XX/XX/XXXX, they sent me a statement again, Interest charge and late fee accumulating, and I called to complain again and the said to ignore again. They did the same in XX/XX/XXXX, and when I complained again, they said to ignore the statement and that next month, a zero balance will show. I asked them to write me a letter to say this, they said they do not do that but the next statement will show a XXXX. Today I get a statement again, with accumulated interest charges and late fees. I called them again before I write this complain to you, and they said to ignore again. And why all these? they said they are sending me a statement without my being responsible for it. Them why sent me a statement at all!!! I asked. 

Please help me Sir, Madam at CFPB. My XXXX every time I get these statements, which they tell me to ignore. Is this fair? I told them that this has also happened once with XXXX other credit card that I have. But the other credit card, XXXX XXXX XXXX, wrote me after it was over, 1 month. Only XXXX charge. How could Macy 's Amex allow all these XXXX charges in 2 days to even go over my limit? Inside job, I told them. To top it all, I also emailed their XXXX of XXXX XXXX in XXXX, Ohio, no reply. Thank you for your time and attention. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX XXXX not XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, I attempted to deposit a check ( for {$500.00} ) at my bank 's ATM. The ATM would not allow me to deposit it so I left without completing a transaction. A few minutes later I received a text saying that {$100.00} had been withdrawn from my checking account. I called the bank within 2 hours of receiving the text to let them know that I did not make that withdrawal. The bank employee assured me that they would review the video of the ATM and as long as I was n't the person who took out the money, they would refund the money to me. On XXXX XXXX, they sent me a letter saying that no dispensing error occurred and they were discontinuing the investigation ( without refunding my money ). They also sent me the ATM audit, which shows that the money was withdrawn at XXXX, and someone immediately after me used a different bank card at the same time ( XXXX ) without completing a transaction. Based on this information, to me it looks like it is possible that someone ( either accidentally or on purpose ) took the money out of my account instead of their own account. I called the bank on XX/XX/XXXX to see if they were going to review the video of the ATM. They indicated that they would not review the ATM video and refused to give me a reason as to why they would n't investigate this issue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX Visa Prepaid Debit Card with 1-2-3 REWARDS ( R ) Visa ( R ) Prepaid Debit Card : After using the card to process a product return from a XXXX I purchase from regularly I was told all of my money in my prepaid account was locked up and unavailable so the company could make sure the return transactions were not fraudulent. This included all my money from my paycheck in addition to the money on from the return to XXXX. The card holder agreement does n't mention anything like this so I do n't understand how they can do this. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This all started when we over paid on our home depot credit card bill. I sent in a check for the minimum amount while my boyfriend paid it in full online. This resulted in a credit of roughly {$35.00}. 
I then purchased a miter saw and blade for my boyfriend for XXXX. This was roughly {$170.00} and resulted in a credit card bill of {$140.00}. We were sent the bill and were made aware of the payment due date. 
However, my boyfriend then chose to return the miter saw and blade before the due date. Which means, logically, that we 're back to having a roughly {$35.00} credit on our credit card. 
On the same day, we made a {$28.00} purchase on the card. Believing that because this purchase was made after the closing date for XXXX, and believing our account was now at - {$35.00} ( credit ), we did not have a payment due. 
We just received our XXXX bill and it is showing a {$25.00} late fee that the company is refusing to refund and they also refuse to put our account in " Good Standing '' and are threatening collections when the bill is n't even 2 weeks past due. 
We fully understand that we may be misunderstanding how this all works, however, because of this confusing situation we believe that they should 've done us the courtesy of removing the {$25.00} fee and allowed us to float until XXXX on such a small amount ( {$28.00} ). 

Company response: Company chooses not to provide a public response
Consumer complaint: Called my mother-in-law by phone and began asking her questions such as if she knew me and if she would give them my phone number. Her name is XXXX XXXX and she works for Capital Management. 

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