AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I signed up with the .001 % loan rehabilitation program with Financial Asset Management System ( FAMS ) and XXXX for my student loans. When I started the program I was told that my credit report would be updated after XXXX payments of {$250.00} per month to reflect the new rehabilitation program. In addition, I was told by the FAMS representative that my credit report status would be changed to in repayment after 3 monthly payments of {$250.00} each month. Financial Asset Management Systems misrepresented and flagrantly lied about my credit report being updated. I have made 4 monthly payments of {$250.00} and my credit report has not been updated. When I have asked FAMS about my credit report not having updated as of yet, I am told that they are " working on it. '' I was lied to in regards to my credit report status changing. In addition, I have never received a statement balance as to where my payments have been applied to, collection costs, fees, and current interest rate on my loans. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern, I am writing you in the hopes that you can help me remove an unwarranted item on all 3 bureau 's credit reports. Specifically, this involves the reporting XXXX mortgage payments. 
Please allow me to explain : I went through a divorce about XXXX years ago, at which time, I gave the title to our home to now my ex-wife. This was to keep the children in their home and minimize the disruption as much as possible. However, I was the sole person on the bank mortgage with XXXX Bank. Within the divorce decree I increase the necessary maintenance to my ex wife in order for her to be able to pay the mortgage and keep the house. Although I continued to send the necessary funds to her each month to cover that mortgage, she pocketed the money and did not pay. I asked my attorney if I could withhold those funds each month from her and pay the mortgage myself, at which time i was advised that it would be illegal to do so. So this went on for several months despite both my attorney and myself saying we would have to take this to court. After about XXXX months of non payment, we did take this to court in XXXX of 2012. She was found to be in contempt of court and ordered to bring the mortgage current within XXXX months and make the expected payments in the future. She ignored this court order and never paid a dime for the mortgage, despite my continuing to pay her the money to do so. This went on for a period of XXXX months until she put the house up for short sale. In the meantime my credit score continued to plument though no fault of my own. 
I brought this to all three credit reporting agencies including the supporting documentation from both the divorce decree and the contempt of court charge with reason listed from the courts. 
Despite the story description and the written proof which was provided, they have refused to remove it. 
It has been very difficult to manage things, including student loan co signing for my child 's college with this weighing me down. So I humbly ask you, can you please help me with this? 
I have provided the same written proof to you in the attachment below that I did to the credit agencies. 
If there is anything else you might need from me, please do n't hesitate to contact me. 
Thank you! 

Company response: Company chooses not to provide a public response
Consumer complaint: On my credit report, they 're showing my current address as XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. I 've never lived at that address, nor do I know anyone at that address. My correct address is XXXX XXXX. XXXX, XXXX, IN XXXX. 
Additionally, they have my name as " XXXX XXXX XXXX '', and my name is " XXXX XXXX XXXX ''. 
Finally, they 're showing a debt from a judgement, re : XXXX, and this has been paid off since XXXX of this year. How do I go about getting this and some other discrepancies removed from my credit reports? Thanks! XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX inquiries on my report which I have never authorized and I have asked Experian to please review and remove them from the inquires off of my file. I never authorized XXXX XXXX XXXX, XXXX Bank, XXXX or XXXX XXXX to pull my credit report. Yet, I have inquires from them reported since XXXX years ago. I have tried to contact Experian regarding these incorrect items and I have not received a response for my letter mailed on XXXX XXXX. I do not understand what is going on. These inquiries are affecting my student loan interest rates and I would like Experian to do the right thing and remove them and investigate these companies that have accessed my account without my permission. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened an account with Bank of America shortly after my XXXX XXXX in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from bank of America informing me that my account was being closed due to fraud. I never committed an act of fraud. Bank of America has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmfull action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with bank of America for the past 3 years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX XXXX directly but they report that Bank of America is standing by the fraud claim with no evidence to substantiate the claim. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX inquiries on my report which I did n't authorize and I have asked Transunion to please review and remove the inquires off of my file. I never authorized XXXX XXXX, XXXX or XXXX to pull my credit report. Yet, I have inquires from them reported since 2-3 years ago. I have tried to contact the bureau regarding these incorrect items and I have not received a response for my letters mailed on XXXX XXXX. I do not understand what is going on. These inquiries are affecting my student loan interest rates and I would like them to do the right thing and remove and investigate these companies that have accessed my account without my verbal or written permission. 

Company response: Company chooses not to provide a public response
Consumer complaint: Below is the text of the letter I sent to Bank of America. My basic complaint is that B of A kept taking fees from my account without my knowledge. They had never sent me any type of statement to me. If I was aware they were taking fees out I would never have let it happen. I contend that they know of this deceptive practice just to make more money. I received a form letter back that just states that I never maintained a minimum balance. A slap in the face if you ask me. Can you help get my money back? 
Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX MI XXXXXXXXXXXX : XXXXMobile : XXXXXX/XX/XXXXBank of AmericaXXXX XXXX FL, XXXXTo whom it may concernRe : Account number XXXXOn XX/XX/XXXX, I received a letter regarding an account that was being closed from being inactive. It could not be inactive because I had an automatic deposit for {$100.00} going into the account each month. I called the number on the letter and they said that this type of activity is not considered an active action. It seems strange to me. 

After further discussion I was shocked to learned that I was being charged a $ XXXX/month fee since XX/XX/XXXX for 21 months totaling {$520.00} without any notification. This started happening when my B of A mortgage was paid off. I faithfully paid my mortgage for ten years. The nice lady I talked to, XXXX XXXX, discussed with her manager XXXX XXXX regarding refunding my money but refused. XXXX mentioned that she reviewed all the correspondents sent to me regarding this account and could not locate any. 

I am very disappointed that Bank of America was charging me this fee without my knowledge and am requesting the money be returned to me. I believe that it 's Bank of America 's responsibility to notify customers of such fees when circumstances regarding an account change. 

To resolve the problem, I would appreciate a full refund in the amount of {$520.00} sent to me, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. Enclosed is a copy of the only correspondence I received on this account since the fees began. 

I look forward to your reply and a resolution to my problem and will wait until XXXX XXXX before seeking help from a consumer protection agency or the XXXX. Please contact me at the above address or by phone at : Home XXXX or Mobile XXXX. 

Sincerely, XXXX XXXXEnclosure ( s ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried to submit a payment via PayPal and I entered the email address incorrectly. When I contacted PayPal to attempt to correct the issue, they closed my claim saying that a money transfer between friends was not covered by their conditions. I understand that it is my fault for entering the wrong email address to send the money to but the company should be more helpful in rectifying the situation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My complaint is with U.S. bank cardmember service XXXX N D.XXXX.Person resolving this matter name is XXXX cardmember service rep. Her contact number is ( XXXX ) XXXX Fax XXXX.On XXXX/XXXX/2015 I XXXX XXXX was only to have a debit transection of XXXX dollars to be taken out of my visa card, not XXXX dollars.The company that took the XXXX dollars name is I PASS. On XXXX/XXXX/2015 U.S.Bank card member service refunded my account in the amount of XXXX dollars here is copies of all my documentations. Now U.S. Bank.card member service is saying I did make the XXXX dollars transection when I did not. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband took money out of his retirement account at Wells Fargo and they gave him a cashiers check. He walked to the teller to deposit into our checking account and apparently they have lost that cashiers check. This has been going on for a week. He calls the bank and they admit the error but will not deposit the money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I frequently purchase XXXX gift cards from my local grocer. These cards are issued by US Bank. Recently I had a total of 6 cards that were " compromised '' within a day of me purchasing them. I always examine the packaging, so I know this was not a case of them being tampered with in the store. This has happened to me and others many times, as the sequence is laughably weak on these gift cards. The security measures to prevent people from brute forcing card numbers is nonexistent. All of my cards which were compromised shared 12 out of 16 numbers, in some cases 13 or 14 numbers were shared. 

When these cards are compromised, the process is fairly easy ( I guess because they 're used to dealing with it happening ) to " lock '' the card so no further fraudulent transactions can be made. The process for asking for a replacement card is much more tedious, and can take months to complete. Not only that, when you receive your replacement card, it will have {$6.00} taken off of it as a " fee ''. This is not acceptable in my opinion, and borderline fraudulent. They reap probably millions in fees because they do n't take the necessary precautions against people obtaining and being able to guess their card sequencing. 

For this reason, I have opted to pursue a resolution to my compromised cards through the CFPB rather than reaching out to U.S. bank and waiting for months to receive less than I originally paid for on my cards. I am attaching scans of the cards and receipts where they were purchased by me. Please reach out to me if you have a need for further information. I am expecting a total of {$3000.00} in replacement cards from U.S. Bank and any less is not acceptable. 

It is my hope that with complaints like this, they will see the flaws in their security and having to answer for these flaws will prompt change in their process. 

Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: I am joint owner on my XXXX year old daughter 's saving and checking account at Navy Federal Credit Union only for the purposes of assisting her when needing to handle transactions as it pertains to her college education. I found out today XXXX/XXXX/15 that this financial institution transferred {$470.00} from my personal account I have with them to my daughters overdrawn account. When I inquired as to the reason I was told that a signed disclosure justified the transfer. I have no issue with the signed disclosure. My issue as explained to the representative was the amount by which NFCU allowed my daughters account to become overdrawn by. The amount of money taken from my personal account to cover this overdrawn balance is a hefty amount for me and was to be used to pay my own personal obligations. I had my daughter pull up her account information and the account was allowed to go into overdrawn status since XXXX 2015 and with her working on a part time basis she paid for these discrepancies. The charges were for purchases she made in addition to a slew of overdraft protection fees that were allowed and charged. This current policy and procedure has impacted me today in a negative manner and had I not looked at my personal account when I did, I would not have had a clue the funds had been taken. My daughter has been taught how to properly maintain an account and knows if she does not have the money to do without. I say this because I want to make the point that parents do teach their young adults to be responsible but it is rather difficult when you have financial institutions who allow young adults to take that extra mile. What regulations are there if any that would protect the consumer by placing reasonable limits on the amount of allowable approved transactions on an account that is already in overdrawn status? I will be filing a second complaint regarding the same institution about a credit card that my daughter was allowed to open while having no job and being a XXXX student. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Both reporting agencys report a address for me as XXXX XXXX XXXX XXXX, Pa. XXXX. This is not correct!!! I do not, nor have I ever had or used this address. I do not know if someone has tried to get credit using my information!! This has me very concerned. Thank You for your time!!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Card collection agency has repeatedly called my place of employment after being asked multiple times to not call. In addition collection agency has contacted my parents, sister and elderly grandfather repeatedly. Call are made sometimes XXXX or more in a single day with only a single message being left. After calling and speaking to agency and asking them to cease calls to my place of employment - I am a XXXX and do not have an outside line to my XXXX and will never be able to receive calls at work as a result ( nor is it appropriate ) - they left detailed messages for me with both the XXXX secretary and the XXXX. This has been going on for 3 years and as most recently as XXXX 2015. 
I called in XXXX of 2015 to make a settlement offer of {$800.00} for my outstanding debt of {$1200.00} ( more than 70 % of a 5 year old debt ) and was told that I needed to come up with {$1000.00} and I should " call back when I have the rest of the $ '' and was hung up on. The collections calls have since resumed to multiple calls each day. I would like a reasonable settlement offer sent to me IN WRITING as I do not feel comfortable dealing with a company via phone that ignores my requests for cease calls, ignores me when no permission has been given to contact on certain phone numbers and refuses to send me anything via mail. My information was updated with this company in XXXX of 2015 and I simply want to resolve this debt reasonably and expediently without myself or my family being treated rudely or unprofessionally. I want no further contact from this company via phone call to any number. As soon as I receive a reasonable settlement offer by mail, I will remit payment accordingly but will not do so without something in writing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I briefly had a cellular telephone account with XXXX XXXX XXXX back in XX/XX/XXXX. I was on a XXXX plan an was paying somewhere between {$50.00} and {$60.00} a month. Being that my plan was XXXX, I had the freedom to choose a different service at any time. I decided to switch from XXXX XXXX XXXX to a different cellular telephone service. In XX/XX/XXXX a collection account from Enhanced Recovery Corporation appears on my credit report. This debt collection company claims that I owe {$200.00} from old XXXX XXXX XXXX debt. Being that my cell service was XXXX, this is not possible. In addition to that, my bill was paid in full when I decided to switch to a different carrier. I have attempted to have this debt verified to no avail. I also disputed this debt to no avail. I am at a loss as to what I should do about this debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015, I requested an increase on my Bank of America credit card from {$2500.00} to {$3000.00}. Buried in the fine print, however, was an authorization to perform a hard pull on my credit report. This hard pull has adversely affected my credit score. On XXXX XXXX, 2015, I chatted Bank of America to request a reversal of this hard pull. My representative, XXXX, informed me the hard pull is required by federal law, which is not true, especially since XXXX XXXX, XXXX, and XXXX have all granted me credit increases via soft pulls of my credit report. Upon further questions, XXXX admitted the hard pull requirement was an internal Bank of America policy and NOT a federal regulation. When I then questioned her on why she gave me false information, she acted as if she did not understand my question and then prematurely disconnected the chat session. I can forward the pdf of this entire interaction to you if necessary. 
I would prefer my credit report be fixed and the inquiry deleted, but, most importantly, Bank of America should not be permitted to systematically lie to their customers about why they perform hard pulls ( a quick XXXX search reveals on the myFICO forums that the " this is a federal requirement '' line is a frequently used Bank of America customer service tactic ). 

Company response: Company chooses not to provide a public response
Consumer complaint: My daughter is a XXXX who decided to open a credit card although the discussion had already been made not to. To my surprise after her XXXX XXXX she came home and had received mail from Navy Federal Credit Union. I inquired as to what the mail was for and she indicated she had opened a credit card. The first thing that came to my mind is she did not have a job, had already maxed out her limit not of {$500.00} but on {$5000.00}, and still was a dependent. The next day we went to an NFCU branch office as I was in disbelief that such a thing was still happening with the tightening of credit guidelines and all. The branch customer service representative indicated that there was nothing that could be done my daughter is XXXX years of age. I get it, what I do n't get is how you can give an XXXX year old or anyone for that matter a {$5000.00} credit limit and not verify they have the wherewithal to pay it back via sources of income This was allowed and now my unemployed daughter has a maxed out account that she will be obligated to pay back while she works from time to time and while continuing to be a XXXX until she lands a real job. I wonder if Navy Federal along with other financial institutions are part of the solution or are you truly a part of the problem. I do n't see anytime soon that the economy will rebound with policies and procedures such as this. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Credit Bureau of Santa Maria is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX failed to remove my father 's credit card account from my credit reporting agencies. They removed it from XXXX, but failed to remove the item from Experian and XXXX. When I put a dispute in for Experian, they updated the status as " update '' indicating that the account belongs to me. I put another dispute in today with Experian and XXXX. I expressed the account belongs to my father XXXX XXXX and my purpose on the account was to be listed as an Power of Attorney " ONLY ''. My father is XXXX years old and I am his daughter assisting him with his fiscal responsibilities. However, XXXX XXXX XXXX without my knowledge or authorization and without my father 's knowledge or authorization added me " XXXX XXXX '' to my father 's account as a XXXX cardholder. At no time did I receive a credit card, nor did I make any purchases with a card. I did not open up any line of credit with XXXX XXXX XXXX nor did I sign any documentation to request a line of credit. I am requesting that XXXX XXXX XXXX remove their account from all credit reporting agencies. I am not responsible for any line of credit with XXXX XXXX XXXX nor is this my account. I also put in a dispute with XXXX File number XXXX on XX/XX/2015, and the XXXX XXXX XXXX item was removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an other complaint # XXXX about Well FargoLoan # XXXX and this is just more to be added, I have paid my mortgage and it is paid up to date. However I have yet gotten a current up to date statement from Wells Fargo? I have had to fax a Cease andDesist letter to Wells Fargo because I was getting callsa few times a day to pay my mortgage. I also have been toldI owe {$470.00} in late charges, but when I called to ask aboutthe late charges the amount changed every time I talked tosomeone different? I asked for documentation to show mewhen I was late and was told that was n't available? Butafter my first complaint to CFPB I got a call from a XXXX XXXX XXXX EXT XXXX who told me she would investgate and get me all the documentation, never heard fromher again? Please find all documentation attached. 
Thank YouXXXX XXXX XXXX # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was given noticed that HELVEY & ASSOCIATES, INC. has taken my debt, and I was given 30 days to dispute it, but I have not been able to get in touch with them as their phone number is disconnected. The debt also is not valid as my insurance company was not notified of the claim and I was told that no one contacted them about my medical bills or hospital fees and they have requested to see the claims from the hospital. 

Company response: Company disputes the facts presented in the complaint