AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: A U.S. Bank Visa credit card account was opened in my name by someone else who is impersonating me and stole my personal information and identity to apply for and opened the following U.S. Bank Visa credit card account : XXXX in my name. This is a fraudulent account opened by someone else who stole my identity. At the time the credit card account was opened, I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. I have attached supporting documentation. This credit card do not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi -- I have XXXX interest rates on my WELLS FARGO XXXX VISA card : ( a ) Purchases at 15.240 % ( b ) Cash Advances at 23.990 % XXXX of my purchases was applied to the Cash Advance Balance, so I am being charaged XXXX interest rates. But my payments are only being applied to the lower interest rate XXXX. According to this the new Credid Card Reform Law of 2009, " credit card companies must apply payments minus required minimum payment amount, to the highest interest rate balance on the card. '' XXXX That 's not happening. WELLS FARGO is applying payments ALL to the BALANCES with the LOWEST INTEREST RATES XXXX 

I called Wells Fargo today ( XXXX, XXXX/XXXX/15 ) for 1hr 15minutes, explained the situation over and over again. Eventually a representative said, " there was nothing they could do, this is their company policy. '' When I informed them that this was against federal law, the representative still said there was nothing to be done. 

Aside from the fact that this will cost me thousands of dollars -- this is just plain illegal. Let 's please enforce this law on Wells Fargo and protect me and other consumers like me. 

ThanksXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I leased a car from US Bank initially on XX/XX/XXXX. 
The lease is close to maturity and I wanted to exercise my options of either buying the car from the Bank or trading it to a dealer to get another car. 
To make that decision, I wanted to know the ( 1 ) payoff quote that I would pay if I bought the car or the ( 2 ) the amount a dealer would have to pay US Bank to arrive at the trade in value of my car. 
I called US Bank on XX/XX/XXXX and again on XX/XX/XXXX to get that information. I spoke with XXXX of US Bank at XXXX at XXXX. While they gave me my payoff price they refused to tell me how much the dealer would have to pay them to payoff the car. I asked to speak with their supervisor. I was kept on hold for XXXX minutes after which I was told that the supervisor will not talk to me. 
They maintained it was their policy to not let the consumer know what the dealer would have to pay to payoff the car. As a consumer, it is important for me to know how much the dealer would have to pay the bank so that the dealer does not manipulate the trade in value of the car. 
Citing an unknown, unwritten policy which I have never agreed to, US Bank refused to let me know the dealer payoff price. I, as the consumer and customer of US Bank, who initially leased the should have a right to know the dealer payoff price. US Bank is clearly running a scam along with the dealers to rip consumers off. 
I am writing to seek help from the CFPB to have US Bank provide the dealer payoff information for the car which will impact my trade in value. I also request the bureau to implement rules to prevent banks from engaging in such hideous policies so they can not run such scams with dealers against consumers. 
Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit score dropped over XXXX points in less than a week due to what is show as a " Serious Delinquency. '' The payment was 9 days late due to a technical issue with online bill pay ( I was sent a physical check made out to XXXX whereas the funds should have been wired ). XXXX refunded the late fee due to the error and reviewed the check yet still the credit agencies deflated my score. The payment was for {$130.00}. It is currently listed as a 30-day serious delinquency 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, 2015, I used the web services of all XXXX major credit reporting agencies as part of a major credit-relevant transaction. For all agencies, I requested the minimal cost ( {$1.00} ) credit report. For Experian and XXXX, without my knowledge, I was enrolled in credit monitoring services. This resulted in monthly charges to my account ( {$21.00} for Experian, {$17.00} for XXXX ), until I finally noticed these charges on my credit card statement this month ( XXXX ). I called each agency, cancelled my enrollment in their credit monitoring services, and requested full refunds. Each agency refunded only XXXX month 's worth of charges. 

I am generally a web savvy consumer. I find it very hard to believe that I was provided with reasonable notice or information that by requesting my {$1.00} credit report, I was also enrolling in a credit monitoring service. I strongly suspect that Experian and XXXX are using their critical roles in our credit reporting system to charge customers monthly without those customers ' affirmative consent or knowledge. Given the trust that we must place in these agencies, this is unacceptable. 

Company response: Company chooses not to provide a public response
Consumer complaint: I closed a savings account at my XXXX, FL bank and received a certified check from them for the amount in my savings account, a little over {$16000.00}. I took that certified check to Wells Fargo in XXXX to open a savings account there. They told me they would give next day credit for only {$200.00}, hold {$4800.00} for 2 business days, and hold the balance, more than {$11000.00}, for 7 business days. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2013 when i was XXXX and a XXXX I opened a bank account with Bank of America under my social security number ***********. My father gave me a check that did not clear. That balance was covered. Later I had another negative balance which my mom covered ( under {$250.00} XXXX. However Bank of America has reported me too XXXX credit bureaus ( XXXX XXXX with a specific notation of fraud. Because of this I have been unable to open another bank account and I am only XXXX. There was no fraud and Bank of America knows this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of Identity theft and I have sent numerous letters, copies of personal identification information and police reports in regards to someone stealing my identity and opening up a checking account with TCF Bank. TCF Bank has not removed or cleared my name from the fraudulent checking accounts that was opened at TCF bank by someone who stole my identity. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have went to numerous Wells Fargo Bank XXXX locations in Minnesota trying to open up a checking account with Wells Fargo Bank, but Wells Fargo Bank refused to open a checking account for me because of a fraudulent checking account someone who stole my identity opened up with XXXX XXXX. I sent numerous letters, copies of personal identification and police reports informing Wells Fargo Bank, I am a victim of identity theft. Wells Fargo Bank cleared my name, but wo n't open up a checking account for me all because XXXX XXXX notified Wells Fargo Bank about me being a risk because someone who stole my identity opened up a fraudulent checking account with XXXX XXXX using my personal information and made fraudulent transactions with the XXXX XXXX checking account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am following through on filing a XXXX complaint against Wells Fargo after speaking with XXXX of CFPB and letting her know that there is no legal aid for the County of XXXX where I live. I let her know that Wells Fargo has sent me a letter dated XXXX XXXX stating that " [ we ] do not meet the requirements of [ the loan modification ] program because the loan modification is not signed. " We have contacted Wells Fargo several times to amend a modification that uses employment data instead of unemployment data. On XX/XX/2015 I spoke with XXXX XXXX XXXX She gave me a fax number that did not work when I tried to use it to submit another attempt to clarify what was happening with my XXXX mortgage. On XXXX/XXXX/2015 Wells Fargo employee XXXX XXXX was contacted by us via telephone to verify which funds and the check numbers of funds she was applying to our XXXX mortgage account. She could not give that information. XXXX XXXX was asked to verify if any paperwork that she had showed that we were employed. She could not. XXXX was then notified that we were being blocked from accessing our account online. She indicated that the property did not have a sale date. We discussed that I would continue to send in both the modification and forbearance payments. She indicated that they would most likely be sent back to us. At no time did she indicate that Wells Fargo had been trying to contact us or that she had any additional information to share with me. 
We also let XXXX XXXX know that since Wells Fargo is unable to correct the financial information on their end, we will submit a new application for a modification based on employment. 
Another company, XXXX, gave our information to XXXX. A representative, XXXX XXXX called me on XX/XX/XXXX. We were told we did not need to pay any money. XXXX then told me that Wells Fargo will not allow them to help us. XXXX XXXX called on XX/XX/XXXX and stated the she as XXXX, however she could give me a XXXX time counseling session.She would take my timeline and write a summary for wells Fargo and I was not allowed to have access. 
We contacted Wells Fargo on the XX/XX/XXXX ,XX/XX/XXXX and XX/XX/2015, however Wells Fargo XXXX latest response was that " [ they ] have been unable to establish contact with [ us ] .... '' 

Company response: Company chooses not to provide a public response
Consumer complaint: While flying on a XXXX XXXX ( now XXXX XXXX ) flight, I was offered a Citi credit card with several benefits including Group XXXX boarding and XXXX bonus miles. I applied and received the card but did not get the Group XXXX boarding I was promised. I tried to call XXXX XXXX but was put XXXX hold for a full hour before I gave up. I 'm writing to the CFPB because this is a Citi Credit Card - Citi gets the any interest and fee income from the card. I believe Citi ultimately is responsible for this false advertising and deceptive practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX is still trying to charge me for phone service I never had. As stated in my previous complaint filed with the CFPB back in XX/XX/XXXX, I have never used XXXX, and have been with another company for seventeen years. The account number on the bill, which is " XXXX '' ( which corresponds with the last XXXX digits of a person 's Social Security number ) does not match mine. In addition, the phone number on the bill is not mine! I happened to have a similar name to the person listed on the bill, so they forwarded this bill to my address, and demanded collection. I called them, and explained what happened, and the XXXX representative promised me that they would call off the collection agency. However, I see that on my credit report, they have still posted me as owing money to them, unfairly damaging my credit. Instead of correcting their mistake, they have passed my name, phone number, and address to yet another collection agency. XXXX back in XX/XX/XXXX ; XXXX the " XXXX XXXX '' back in XX/XX/XXXX ( XXXX, which, by the way, apologized and stopped harassing me ). Third, they passed my name yet again to " XXXX XXXX, XXXX '', which not only apologized for bothering me, but admitted that XXXX had passed on to them a fraudulent debt. Now, it is XX/XX/XXXX, and XXXX is at it again, by passing my name to " Credit Collection Services ( CCS XXXX XXXX, '' which has sent me a notice for payment, and has been making incessant phone calls to my number. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: on the year 1995 I when to the bank wells fargo bank to make a deposit for XXXXand the person who help me with my money he tell me that I need to leave mymoney for one year so on the same year I have a problem with XXXX theytook my XXXX to come back to XXXX XXXX so I stay in XXXX for one yearso the next year I come back to XXXX XXXX so I lost my XXXX my letter from the bank orany information about the acct so I do n't have any information I when to the bankand I ask for my money they tell me is nothing or any record with my money or my namedor social security number I leave the bank very mad because no body tell how I can getthis money back so the time when on and move from XXXX about 5 years agoand I was going truth my paper and I was take out all the trush and I found informationfrom the I rs information about my money and I have XXXX also my old checking bookI star wirh the company XXXX company they said they do n't have any acct with thewells fargo bank I need to call them about my money and I have a bout 5 monthsand they said the state have because after 7 years they use the money they sand to thestate the state said the bank have a number or when they send to the state I fieldthe no body whan to tell me happen with this acct but I know I make this deposit and I was in here to make any decision on this money so I need the some body have torespond me about this matter I need to find where is this money I know is going to be 20years ago but the matter is the I make this deposit I have a person who when with mewhen I deposit this money and when I ask for this money she was with me at the timeso I need my money 

Company response: Company chooses not to provide a public response
Consumer complaint: Sallie Mae, I have received upwards of XXXX calls per day from Sallie Mae through automated call systems despite explaining my situation and conditions to Sallie Mae. These phone calls are harassing and threatening the viability of my cell number. I ca n't leave my phone on and may miss important calls due to this harassment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX did car loan for me, I had to pay payment on the XXXX of every month. So they put me down as missed payments on my credit report. I never missed a payment at all. I traded the car in when it was almost paid off, XXXX XXXX NEGLECTED to tell me that I could change my payment due date so the payments were always late. Most car loans have a grace period ( 10 days ) in which they can receive the payment, these people said that they do n't do that. I want that missed payments on my credit report taken OFF because the payments were not MISSED they were only LATE. I do n't have any paperwork or receipts to show the payments because I had a fire and lost a lot of my stuff. I hope you can help me because this is really stressing me out, I want to buy a home but I ca n't with my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to restructure my mortgage for an affordable payment with Wells Fargo for years. They continue to stall and delay working out a favorable solution. I heard from Senator XXXX XXXX office who is attempting to assist me and they said Wells Fargo told them I have qualified for a restructuring with an interest rate of 3.75 % and a mortgage payment of {$960.00} a month. My previous payment was {$910.00} a month. When I started this process I was looking for a lower, more affordable payment. If I can not afford a {$910.00} a month payment how can I be expected to afford {$960.00}? 
Wells Fargo refused to negotiate with me when the market was down and my house only appraised at {$88.00} but now that the market has recovered they are trying to extort as much as they can from me. 
They are calculating this payment on my current income however I will be loosing my XXXX payments of {$1500.00} a month in XXXX and I start repaying my student loans in XXXX. 
There are several affordable payment options they could use to get me a {$700.00} a month payment but they refuse to even consider them. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit report shows late payments for a BMW I purchased in XX/XX/XXXX and sold in XX/XX/XXXX. I never made a late payment on the vehicle and elitist like to dispute this. I tried to submit a report via Transunion but never got a response. 

Company response: Company chooses not to provide a public response
Consumer complaint: The lease was up and I disputed that with the collection agency and also ask for them to provide me proof of the debt and lease. They have not done so since the original dispute. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have faxed and mailed US Bank numerous letters, police reports and copies of personal identification information in regards to me being a victim of identity theft and someone stealing my identity to open up fraudulent checking and savings accounts in my name. XXXX Bank refuse to remove and clear the fraudulent accounts from under my name, date of birth, social security number and Minnesota drivers license number. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX we purchased a single-family home in XXXX Texas with an FHA insured mortgage from XXXX Mortgage. In XX/XX/XXXX to XX/XX/XXXX we were apprised that XXXX had sold the mortgage to Wells Fargo Home Mortgage. Earlier this year we were able to qualify for a lower cost uninsured mortgage, again sourced through XXXX Mortgage. The XXXX mortgage in XX/XX/XXXX required that we escrow the XXXX year of property tax and insurance, and escrow XXXX of the XXXX year 's property tax and insurance obligation each month. In XX/XX/XXXX when we procured the new lower cost mortgage, we should have received all of our Escrow Monies back from Wells Fargo. Wells Fargo did not return all of the escrow monies. 

Wells Fargo in phone calls say " you escrowed {$5900.00} when you closed on the purchase, so we based our return on that number ; however, by the time Wells Fargo purchased the mortgage we had increased the escrow by another at least $ XXXXIn fact, the Wells Fargo escrow statement shows that when they took over the mortgage in XX/XX/XXXX, the escrow was {$7100.00}. 
Despite their acknowledgement of this discrepancy they have NOT return the monies that are not their property. 
On a recent flight to XXXX I sat beside a former Wells Fargo employee who said Wells Fargo will try to keep some of the escrow money and the only way to get it back is to file a complaint with your bureau. 

Please help. 

Kind regards, XXXX XXXX, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to obtain a XXXX day extension of my initial fraud alert today. Both XXXX and XXXX whatever made it impossible ( no actual persons to speak to ) to choose that option, as it was never presented. Time is of the essence, and there is no way to speak to any person at any of these XXXX in order to timely make that request. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to Experian to get a free credit report. They charged me {$1.00} for it on my credit card. Then they signed me up for a monitoring service I did n't want. I did n't even know I was being signed up for it until I started getting billed on my credit card. They have billed me {$21.00} XXXX in a XXXX month period. I called them to cancel this unwanted service. It was after-hours and the automated phone prompt directed to me to send an email to cancel the membership. I did. They replied back that they could n't find a record of my account and to send them more information. I did. They said they still have no record of me based on my name or email. I called them to cancel. I waited on hold for almost half an hour. When I finally got someone, they asked for my name, phone number, email, date of birth, etc. They said they do n't show any record of me. I asked them if I have no membership with them, why are they billing me. They said to give them my credit card number. I said I 've already done that and you started billing me with unwanted things, so why would I give you the number again. If they 're already billing me, they should have my credit card number along with name, address, etc. They keep saying they have no record of me, but they keep billing me! I did a google search and found dozens of others going through the exact same thing and none of us know what to do to get it to stop. I 've filed a complaint with the XXXX and contacted my credit card company which is now in a billing dispute with them, but I have n't heard back to see if anything has been done. I just want to cancel the membership that I NEVER wanted. The only reason I went to Experian was because the FTC website said I could get a free credit report. They need to be more upfront that they are charging you and signing you up for memberships because from what I 've seen, this is common practice for them. Now they have emailed me saying maybe it 's another company with a similar name. I 've tried explaining to them it 's not another company, because it 's their same name and same customer service number : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Southwest Credit Systems sent several harassing phone calls to my parents and, a few weeks later, sent me a bill saying I owe XXXX {$400.00}. I contacted XXXX which confirmed that my balance was paid and that I did not owe anything. XXXX faxed confirmation of this to SCS. SCS refuses to confirm that they received fax and insists I pay this bill that I do not owe. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: American Servicing Company refuses to review client for modification. Was advised on XXXX/XXXX/15 that file was going to be reviewed for modification but when I called XXXX/XXXX/15 was advised that the same day XXXX/XXXX/15 file was denied. How is it possible that they reviewed file within a XXXX of hours. File was not handle properly. No written decision was mailed to client. I also also advised that no written notice will be sent of decision. Not following proper guidelines. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed information on my credit report about an unpaid bill from XXXX. XXXX has failed to provide proof of the bill, but the report is still on my credit report. 

Company response: Company chooses not to provide a public response