AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX/XXXX/15 at XXXX I submitted a payment via the Provident Funding App on my smart phone. This payment is for the XXXX 2015 payment. I applied for credit and was told on XXXX/XXXX/15 that my credit score had significantly dropped and I would be receiving a higher interest rate because of it. On XXXX/XXXX/15, I obtained a copy of my credit report and was shocked to find Provident Funding had reported my loan 30 days delinquent based on the day the company chose to process the payment which was XXXX/XXXX/15. I explained to each of them that I 've processed many payments on the XXXX day of the month in addition have processed payments on a Saturday and have never received a negative mark on my credit until now. I was also told I would have had to process the payment on XXXX/XXXX/15 to avoid a negative mark on my credit because the XXXX is the last business day of the month for reporting in addition they are n't open on Saturday to process my payment. I was told they have to report accurately and per the FCRA guidelines and ensured me this was correct. I was told i can not receive " special attention '' and further explained the day i processed the payment did not matter, what mattered was the day they got my money. I repeatedly asked how I could receive a 30 day late when there are only 28 days in the month and I paid within the current month. I explained my understanding is i have 30 days from the due date and the representative told me that is no actual date to when they can negatively report on my credit and assured me provident is compliant with the FCRA guidelines. I wanted an explanation as to why internal business practices negatively impacts the consumer all because 1. It 's a short month 2. They are n't open on weekends 3. The last day of the month it reports to the Credit Bureau 4. I was told on the website it would n't be processed until XXXX/XXXX/15. The disclosure is vague and fails to state what the effective date is. The payment was made on a Provident provided website and they confirmed through the paperwork I submitted and their internal records it was received on XXXX/XXXX/15 at XXXX. This is negatively impacting my husband and I while in the process of obtaining credit. I have disputed this with the credit bureau agencies and provident funding has responded by saying the information is accurately reporting. I think this is unfair and deceptive to the consumer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX Constanamous..? Attached to this phone number..? At XXXX I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular XXXX - Tier XXXXXXXX, XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XX/XX/2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XX/XX/2015. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: A letter sent to USAA Federal Savings Bank in XXXX XXXX, TX in XXXX 2014 was never responded to. Several bankers acknowledged receipt of the letter. After speaking to USAA, the letter was acknowledged as received and that they were required to respond. Numerous calls ( despite acknowledging receipt of the letter ) yielded no response. The banks user agreement clearly states that they will acknowledge receipt of a letter within 30 days and send a response within 60 days as either agreeing to it or denying it. To date no response has been received despite that this consumer is held bound to the user agreement if I do n't state otherwise. The purpose of the letter showed duplicate charges, late fees and fraudulent charges from the past not completely reversed. And some other issues concerning the users credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: central credit calls at least once a day asking for an employee who does not work here. They have been told repeatedly that he does not work here yet they call daily. 

Company response: Company chooses not to provide a public response
Consumer complaint: First off, I could not find an appropriate description of my problem in the drop down menu for the question : " Which of these best describes your issue? " In XXXX I started to receive calls from a Simon Agency for unpaid medical debt since XXXX that I was not aware I had. After several conversations with them clarifying what they are asking for, as I believed I had paid all my medical bills, I ended up paying this unexpected additional claim for {$750.00} that they came up with. 

I just realized today that this XXXX delinquent medical bill I paid in full in XXXX XXXX has been reported as XXXX different delinquent accounts some of which for {$30.00}, others for {$18.00}, etc - all broken up. I spoke with this Simon agency today and they claim that these charges are for different doctor visits and therefore reported as separate accounts. However, I visited the same hospital and all the work was done within this XXXX hospital, and this was XXXX bill that was unpaid. I am XXXX person and I went to XXXX hospital that claimed I owed it money. I personally would not care how they reported but in this case this policy seems to be invented so as to hurt my credit score. I realize how beneficial this is to the financial institutions who can now use the excuse to charge me higher interest rates on any services I might need within the next 7 years. 

Unless you are part of the scheme created to hurt innocent citizens, I would very appreciate your backing me up and consolidating the appearance of these separate accounts into XXXX. 

Also, if your bureau really stands for consumer protection, I would expect you to go after such practices and remove them from existence before they occur. 



Thank you, XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XX/XX/XXXX XXXX ( XXXX ) XXXX {$500.00} Prepaid giftcards were depleted of nearly entire amounts through fraud ( {$1300.00} ). Soon after I contacting XXXX who turned me over to their vendor US Bank. In XX/XX/XXXX I made follow up call wondering why I had n't heard back. US Bank Operator said it takes up to 120 days before I will be contacted by phone with further instructions on how to proceed. No response. I call back again and spoke to another operator in XX/XX/XXXX. She has me fax all info and receipts to fraud dept. In addition, each card has a small balance still valid and unused. The operator closes the cards out but assures me the remaining balance 's will be applied in my refund. two weeks later in XX/XX/XXXX I receive a refund balance of {$14.00}. I spoke to another US Bank operator and explain the refund amount is wrong. XX/XX/XXXX I receive letter claiming I had n't filed complaint within 120 days of fraud activity and they will not refund my money. I call XX/XX/XXXX US Bank supervisor informs me I had n't submitted complaint within the 120 day window from original XX/XX/XXXX fraud. I inform her, clearly mistakes are being made from US Bank regarding my multiple attempts to reach a resolution. She tells me, Sorry, the case is closed, No refund. The fact they sent me a new card with a balance of {$14.00} contradicts the 120 day filing policy excuse, why is that not subject to their rule also? 

Company response: Company chooses not to provide a public response
Consumer complaint: This number calls my phone repeatedly every day seven days a week. I looked it up online and it says it is a collection agency for Macy 's but that they may be a scam. i have a macy 's account but it is not delinquent and does n't normally even have a balance. The number that keeps calling is XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been having health issues and while I, XXXX XXXX, was in the hospital XXXX bank charged-off my loan to a XXXX-party debt collector. SRA in Hi-XXXX, NJ on XXXX/XXXX/2015. On XXXX/XXXX/2015 my Co-Signer received a call regarding the loan and was offered a XXXX settlement. I then called back to get information about the loan and physical address of the agency when the Manager XXXX XXXX, kept talking in circles telling me I was only allowed to have the physical address if I was disputing the Debt. At this point I had not even received a validation of debt letter and asked for said letter as well as a breakdown of my balance, I was interrupted multiple times as well as I was told I MUST make a payment within the month of XXXX, which does n't even give me a full 30 days to receive the information to even dispute of part of the balance since I did n't know how a XXXX loan that I was previously paying before I got sick, became {$26000.00}. The agent I spoke to previously to manager could n't tell me what the interst rate was either, stating that it was " about {$3.00} '' per day. The agent, XXXX XXXX, was n't able to offer me a payment plan option either. When i spoke to the manager I was only offered the balance over 6 months ( about XXXX ) each month or a settlement of XXXX. Refusing to be upright and honest about what my options even were and leaving me more confused than when the conversation started. I also asked that they did not call the cell phones on the account but he refused to even tell me the cell contact numbers he had, instead i stated the only good contact number for me and the co-signer was the landline XXXX. I was under the impression i was going to be dealing with the creditor XXXX about this who i was trying to work with for payments and now i feel even more hopeless because this collection agency wo n't be upfront with me. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I had a loan thru credit acceptance corp, IN which I had full coverage insurance thru XXXX insurance company, I also paid {$800.00} For GAP INSURANCE coverage to cover what XXXX did not pay.XXXX Claimed the XXXX XXXX was n't worth but {$3000.00}. GAP insurance only paid {$1500.00}, it states in my documents that it would cover what ever was owed, I GOT SCAMED! THE PRICE THEY FINANCED WAS {$7900.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Home Mortgage , Inc. was negligent with regard to the processing of my loan papers for a re-fi of the mortgage on my condominium. They dragged their feet for approximately 2 months with regard to processing the required paperwork and requesting the information needed to underwrite the loan. My loan officer never advised me there was a limitation on the days the agreed upon loan rate was locked in while Wells Fargo processed the loan. Late in the day on XXXX/XXXX/24, the day before the beginning of the long XXXX holiday weekend, for the XXXX time, my loan officer, called and advised that if I did not immediately agree pay approximately {$250.00}, I would have to start the agonizing paperwork submissions from the beginning and loose my locked loan rate. I had no choice but to pay the money. I am seeking recovery of the {$240.00} that I incurred as a result of Wells Fargo 's failure to process my loan papers in a reasonable manner as well as Wells Fargo 's failure to give me adequate notice that I was going to loose my loan lock rate as a result of that failure. 

Company response: Company chooses not to provide a public response
Consumer complaint: I XXXX from the University XXXX, XXXX in XXXX with a degree in XXXX ( which has among the highest starting salaries for XXXX. degrees ). I was able to find employment about XXXX months after XXXX. I have a family with XXXX young children and have been trying to manage supporting my family and comply with the payments for the debt I incurred during school. I have no financial wiggle room for unforeseen expenses, which believe it or not have come up. I am making every effort to be up front with my lender about my financial situation and appropriately address my inability to make payments at this time. This major lender has provided a single contact number to which I am funneled to deal with this issue, and their representatives are unwilling to work with me and are basically forcing me to default on my loans. This will negatively impact my credit as well as my cosigner 's credit, and will increase the capital amount on my loans through late fees that will be applied. I very much would like to be able to pay my debt, and am trying to manage the situation the best I can. I currently have no recourse with which to resolve this issue, as the lender refuse to provide me with any option other than to default on my payments. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My bank charged me a {$7.00} OD fee even though I had the money transferred in right away to cover it. I have XXXX direct deposits going into my acct each month for a total of XXXX. Really, an od fee for a great customer who has been with your bank for probably over XXXX years!! I talked to customer service reps who would n't remove the fee. I then called the bank in my area and they removed the fee, but told me if I did n't have a balance on my equity line I would get charged again if it happened again. Why would a bank take XXXX minutes to tell me there was nothing they could do and then I call the branch and he removed the fee. It is principal with me -- if you are a great customer and a long time customer why would you want to make them unhappy? Does n't anyone care any more about good customers??? 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo will not fax paper work to me or another mortgage company. I have been trying for over a month to get paper work that Well Fargo has on my XXXX Mortgage. We have called everyday for XXXX weeks and have faxed everything they have asked for. But they will not give me information about me to me! Is this covered under the Freedom of Information Act. I can, t get my own info. how is this legal. I am trying to get a new loan for my house but Wells Fargo will not help at all. This is a contract between them and me and they are withholding this information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Caller called my place of work and stated they were calling from " Performance '' company and that my daughter gave my name for a reference yet they refused to explain anything except tell me they needed to talk to her. The woman also mentioned another family member and my daughter told me she never used either of us as a reference. The are giving false information ( company name ) and lying about her giving me and another family members information. I am not callow ed to receive personal calls at work. 

Company response: Company chooses not to provide a public response
Consumer complaint: Today, XXXX XXXX, 2015, I went with my son to my local branch of US Bank to cash his federal tax refund check. My son does not have any bank accounts as he does not make enough money to justify opening any accounts. The bank would not cash the check without him having an account there because they said it could take up to seven years for the check to either clear or bounce. They said it would be the same at any bank and suggested a credit union might do it. I am outraged that any American bank could refuse to cash a federal check. As long as you have your identification with you, you should be able to cash a federal check. Now my son has to go to a liquor store or a check cashing service who will take part of that check just so he can get some of his money. 

Company response: Company chooses not to provide a public response
Consumer complaint: We initially started a refinance with our current Lender, Freedom Mortgage. After receiving the rates, we decided to go with another Lender. We are at the final stages of completing the new loan transaction and paying off the Freedom Mortgage Loan, and require a " payoff statement '' from Freedom Mortgage. Unfortunately, this process is being held up because Freedom Mortgage refused to give it to our new Lender sighting " we were working with them still ''. Since that is n't true, we wrote a letter indicating we were no longer working with Freedom and instead, we are working with XXXX XXXX. 

Even after providing this letter ( which Freedom Mortgage required ), our new Lender has not been able to obtain a payoff. I ( XXXX XXXX ), then contacted Freedom Mortgage personally, in another attempt to obtain the payoff. I was told by the frontline representative that it will take two ( 2 ) weeks to mail it, which is unacceptable. They 've had ample time to order the figures if need me, so that it can be ready for us to have in-hand. After asking to esclate my request, I was then connected with a manager who stated that they might be able to have it ready and fax it to XXXX, but there were no guarentees. As you can understand, every day this take longer, I 'm being charged additional interest at a higher rate, than if my loan was with XXXX, so it 's important to me to get the payoff statement quickly, so that we can move forward. I 'd like to understand what Freedom 's timeline is for providing a payoff? Waiting two weeks or to be told " I might be able to get to you '', seems like a bad busines practice. I checked Freedom 's website, and all though it 's covered with informaiton on how to refinance with them, there 's not even an option for me to electronically order one ( an option most servicers provide ). By not processing these statements quicker, it seems like a stall tactic so that you can continue to charge me interest at a higher rate, and to try and pursuade me to do business with you only. My request is that you ( 1 ) Provide a payoff statement ASAP directly to XXXX via fax @ XXXX attention XXXX XXXX and to ( 2 ) please help me understand how your only option for provding a payoff statement is through snail mail, which can take up two ( 2 ) weeks to order. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015, we made a {$12.00} payment to our Citibank credit card account, which was the full balance. For reasons that have never been adequately explained to us, this payment was returned to our account at XXXX XXXX by Citibank. Citibank then charged us a {$35.00} late fee after rejecting the payment for the principal. We sent the payment for the {$12.00} principal, and called Citibank, requesting that they waive the late fee. They refused to waive the late fee, for reasons they would not explain. We requested that the account be closed, and were told that this would be done. 

About two weeks later, we were contacted by Citibank again, requesting payment. At this post, they had charged a XXXX {$35.00} late fee, apparently related to the XXXX late fee, as we had already paid the principal. They also told us that the account had not been closed, despite our prior request. 

Tonight, after speaking to XXXX different representatives at Citibank, we were told have an approximately {$82.00} balance with them, reflecting their fees upon fees for an initial {$12.00} charge. They confirmed that they had returned our payment, but could not explain why it was returned. They could not explain why our prior request to have the late fee waived was denied, and they could not explain why our request to close the account was not acted upon. They stated that they will have a manager investigate this further. 

The highest level contact I have made to date was with XXXX, ID # XXXX. We have made about XXXX calls to date to Citibank to address this, and we have no resolution at this point. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried a few times to check my credit and I am unable to get my credit report. It keeps telling me the information does not match when everything is 100 % correct. I do n't know if someone could have stolen my identity? 

Company response: Company chooses not to provide a public response
Consumer complaint: i was given a mortgage i did not uderstand and did not qualify 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt continues to show on my credit report. It is over XXXX years old. I contacted Gateway 1 ( Gateway one ) to explain the debt issue in XX/XX/XXXX, which is I signed for a vehicle for a family which after three months decided not to pay I gave them all of their information Social security numbers addresses and phone numbers.. Prior to that I contacted Gateway to find out what I should do, and was advised to turn the car into the nearest XXXX Dealership which I did in XX/XX/XXXX. The debt continues to show on my credit. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: The US Bank, XXXX XXXX XXXX, XXXX XXXX Nevada, failed to remove a Hard inquire found im my XXXX credit report on XXXX/XXXX/2015 after I signed a Credit Bureau Inquiry Removal in the US Bank logo letter which is a legal agreement for them to proceed in removing their Hard Inquire from my XXXX credit files. 

Company response: Company chooses not to provide a public response
Consumer complaint: debt collection claims a debt from 2004. Is unable to state the source or the original amount. The were requested to stop phoning and to contact only by mail and to produce a copy of the original debt. Also the failed to provide a licence number for debt collection as per arizona law. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attended XXXX College from XXXX till XXXX. I was diagnosed with XXXX in XXXX XXXX and had to take XXXX months off for XXXX, I started back at XXXX college in XXXX XXXX. XXXX made me take a private loan out with Genesis in XXXX XXXX because they said I owed them. I was always on time with my payments. then XXXX XXXX, XXXX XXXX college who are owned by XXXX college just out of nowhere closed. I dont feel that I should pay the loan that XXXX made me take out with Genesis. I am a XXXX. I have no income and I was tricked into taking a loan out so XXXX can take more money. I am very upset and feel that my loan that heald used was a fraud and It needs to be cancelled cause heald just closed and left everyone hanging. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company