AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Several months ago, I started receiving calls on my home number from an organization known as Turner Acceptance. I promptly returned the call to find that they are looking for another individual who has the same name as me, who has defaulted on a loan for a XXXX. I do not won a XXXX, nor have I ever. I pulled my credit report to ensure that my identity had not been compromised. Nothing unusual was present on my credit report. I informed Turned Acceptance that I was not the individual they were looking for. For approximately one week, the calls stopped. Then, about 10 days later the calls started again. I informed them that I am not the individual they are looking for ( again ) they indicated they would take my number out of their system. A month went by and I started receiving the calls again. This time I spoke to a manager and explained the entire story to him. I also told him that I the harassment did not stop that I would file a complaint. The manager instructed me that " I did not have to repeat myself '' to which I responded that " clearly, I do, because I 've had the same conversation now at least XXXX times ''. If I receive any additional calls from Turner Acceptance for this " debt '' which is not mine, I will be filing a complaint with the Attorney General and the States Attorney. This is nothing short of harassment, and it needs to stop. Also, I refuse to give this organization any additional personal information. They repeatedly ask for my address, date of birth and other information that they say " will be used to collect a debt ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan servicer has refused to contact customer who has resided in the home over ten years and with perfect payment history regardless of settlement reached with Department of Justice and continues to fail to negotiate. Additionally, when contacted by customer, loan servicer states " check is in the mail '' and after three years has received nothing. Servicer has decided to proceed with illegal foreclosure against the outlined conditions of the setttlement agreement obtained by the Supreme Court. Customer obtained Federal grant money through the state program for foreclosure prevention and foreclosure by the Servicer will nullify and put in default the agreement of the grant and thus making it into a loan what the United States and the State granted the customer due and payable by the customer immediately which was not intended as part of the agreement and is counter to such agreement for assistance and the prevention of foreclosure. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attended XXXX University between XX/XX/XXXX and XX/XX/XXXX to earn my XXXX and a XXXX. To finance my education, I paid with a mix of federal and private loans, as well as my personal finances. My private loans were issued through Wells Fargo Bank ( although I had come to Wells Fargo through XXXX ). After applying for my loans, I never received any correspondence from Wells Fargo. I was given no account information to view my loans online, and even when I tried to track this information down online by entering other personal information, like Social Security number, birthdate, first and last name, their online system could not link me to any account ( which I find odd considering almost every other banking institution can retrieve your account information from your personal information filled out in your account applications ). 

Having never taken out student loans previously, I was not completely understanding of how the process worked. Since my loans were then issued and distributed through XXXX University 's financial aid office, I did n't suspect any issues or negligence on the part of the bank. 

My loans will soon fall out of their grace period next month, and after having still not been contacted by Wells Fargo, I called to find out any information. In speaking with several loan service officers, I learned I DO in fact have an account number, which had never been given to me through any correspondence. I learned my mailing address had been incorrectly recorded in their system, and so I had never received any snail-mail correspondence that would have provided information to access my online account. 

I was never emailed nor mailed ANY statements notifying me of quarterly interest payments, which I could have been making ( and DID make on my federal loans ) during school. 

I have now accrued nearly {$10000.00} in interest that I was never notified of, and the bank accepts culpability for mailing loan disclosure agreements to the wrong address and for also failing to EVER correspond with me through email so that I could access my online account. 

I understand from the XXXX XXXX XXXX 's XX/XX/XXXX article ( XXXX ) that Wells Fargo has been under investigation by the CFPB, so I am submitting my case to help further this investigation. 

If the bank will not allow me the opportunity to make retroactive payments on the interest that I was given no written ( or otherwise ) notice of, I do plan to take legal action. 

Company response: Company chooses not to provide a public response
Consumer complaint: After banking with Wells Fargo Bank since XX/XX/XXXX, they decided to terminate my checking and savings accounts. I was not notified by Wells Fargo but made the discovery myself when trying to make an ATM withdraw on Sat, XX/XX/XXXX and was unable to. The branch staff called on my behalf and was told by their loss prevention department that the accounts are terminated based on unspecified " Business Decisions ''. No specifics have been provided and this appears to be a non-transparent process. There has been no fraudulent activities on my accounts, no NSF checks, no complain against the bank in the past and no issues with my credit report. I only have XXXX checking account with Wells Fargo Bank. At this point, my account funds are frozen and can not be withdrawn. 

Company response: Company chooses not to provide a public response
Consumer complaint: Complaint is with Experian. 
Their response to my first complaint was : items XXXX & XXXX are not on report. 
What kind of answer is that??? 
The report under my name " WITH THEM '' is showing negative items :1 XXXX XXXX {$250.00} ) XXXX {$660.00}. Both items already removed from XXXX and XXXX because it was proven to be incorrect and removed. 
3 ) XXXX XXXX ( judgement ), that had to do with a litigation that I won against them in XXXX XXXX, California. " So, WHY '' is it still on their report??? 
4 ) XXXX XXXX5 ) XXXX XXXX6 ) XXXX, Also " ALL XXXX REMOVED '' from XXXX and XXXX because of proven " Not Appropriate ". 
So why have n't THEY removed them yet??? 
A response to this claim needs to be Proffessional and ethical!!! 
If they say " items x x not on report '' then they should prove it!!! 
Show me " MY REPORT '' where these items suposedly not on report. Because that 's not what I 'm reading from my report!!! 
These XXXX items SHOULD NOT BE on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: SPS Servicing frequently calls my home phone and when I answer the person who called me has no idea my they called. SPS states that their computer told them to call me. I wish this practice to stop. I would like SPS to know why they call me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX I deposited XXXX checks via mobile banking from the same person - {$250.00} and {$1300.00} ( rent ). 
On XXXX, there was a reversal on the {$1300.00} deposit - which I was not aware of. Therewas no notice via mail/email/text - NOTHING. 
On XXXX, I found out about the reversal only by chance to review my account. 
I called, no one can figure out what happened. Only after I called, the bank sent a letter. 
On XXXX, received the letter. stating that the check was refused due to " duplicate presentment ''. I immediately confronted the person writing the check, she showed meon her mobile banking that the check cleared and check copy was identical to whatI have on hand and no money was being deposited back into her account. 
I communicated this to Bank of America and they kept insisting that they did not get paid, therefore they are not putting the fund back into my account. They told me to get theother institution to provide backup showing proof that they paid Bank of America. 
On XXXX, I received a backup ( attached ) and faxed it over to Bank of America. 
The other institution ( XXXX XXXX XXXX ) stated that they paid Bank of America andthe backup provide a trace number that Bank of America would be able to track. 

I had been calling every few days since XXXX, but nothing came out of this other than, '' get the other institution to prove to us that they paid us. " I could not get anyone at Bank of America to go beyond the phone call and actuallydo a research and give me an update. 
In the meantime, I do n't have the {$1300.00} in my bank and the other person is already out {$1300.00} out of her bank. Someone has this money and not fessing up. 
This money is for rent and being a homeowner having to pay for mortgage with norent in the bank is very tight. 
Bank of America did return the {$12.00} return fee, but it does not compensate for the time I had to spend calling ( numerous calls ) and the other person having to take days off workto take care of this at her local branch. 
Today is XXXX and nothing is resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: applied at XXXX and requested my annual XXXX free reports, none of the XXXX reporting agencies would relesase/show me my own credit information? 

Company response: Company chooses not to provide a public response
Consumer complaint: Our XXXX Mortgage XXXX primary ) was paid in full when we sold our home in IL in XXXX. We have the settlement letter from XXXX Bank for our primary mortgage and XXXX shows it closed and paid in full but TransUnion still shows it open - no late payments as wel as no payments since XXXX which makes no sense! 

Company response: Company chooses not to provide a public response
Consumer complaint: I never lived at XXXX XXXX XXXX XXXX New Hampshire, that was my daughters old address. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a recommendation from XXXX for a loan from XXXX. I thought since It was a recommendation from you it would not hurt my credit and be a hard inquiry. I also stated that to XXXX and said I did not want my credit to be ran nor did they ask permission to run it. I am rebuilding my credit and this will hurt it. I also declined the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 I transferred {$100.00} into my checking account anticipating a transaction for life insurance on an average day the transfer from my savings account to my checking is normally immediate but Wells Fargo charged me an over draft fee because I have a pending bill pay I want to know how can you charge an overdraft fee on something that is pending I think Wells Fargo is always trying to stick it to the little man 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is for my Bank of America credit card. 

BANKF OF AMERICA IS CHARGING INTEREST ON CHARGES THAT ARE NOT IN ARREARS! 

On XXXX/XXXX/2015 my amount due was XXXX. I pay my cards in full each month and did n't have any charges in XXXX 2015 so my account had XXXX balance and no interest charges for all of 2015. 
On XXXX/XXXX/2015 my BofA online account showed a payment of XXXX. XXXX cents short. The error was mine. I mistakenly typed in a XXXX instead of a XXXX. 
The next statement, on XXXX/XXXX/2015 showed an interest charge of XXXX. 
I called BofA XXXX on XXXX/XXXX/2015 and spoke with XXXX ( not sure of spelling ). 
She informed me that interest is charged in arrears. I asked her how they could charge me XXXX dollars for being XXXX cents overdue. 
She then informed me that I was being charged interest on approximately XXXX in charges made up to the point of payment. ( Those charges are legitimate and I am not disputing them ). 

Conclusion : with no prior interest charges and being past due from the previous billing cycle by XXXX cents, Bank of America charged me interest on charges that WERE NOT PAST DUE. 
XXXX did reverse the incorrect interest charges but only due to my vigilance. 
I can only think that many people do n't know this especially if they carry a balance. 

I hope you pursue this. It is wrong. 

Company response: Company chooses not to provide a public response
Consumer complaint: This particular issue is with all XXXX credit unions. They have me exceeding the limit with XXXX XXXX however, this card has a XXXX balance. In fact all my credit cards are paid in full. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I notified Barclay Card customer service that I was going to order some products for my daughter in XXXX. I notified them so they would know the charges were not fraudulent. However when I placed the order Barclay Card denied the charges due to possible fraud. I called them back and was told I needed to place the orders over again. I questioned the representative because I was concerned about getting duplicate orders. He assured me that I would n't get duplicates and I needed to re-order. I followed his instructions but indeed, the orders were duplicated. When I discovered this, I contacted the vendors and was able to stop XXXX deliveries while XXXX vendor told me to donate the duplicate to charity. I called Barclay Card and complained. This was Barclay Card 's mistake, I 'd been inconvenienced enough and I was n't going to burden my daughter by asking her to return any mailed merchandise. She is a student in a foreign country and has enough to do. I wanted Barclay Card to refund me ( {$39.00} ). I was told they would investigate the charges and refund me if needed. The representative later left me a voicemail stating she was " following up '' and I could call back " if I wanted ''. I called back and spoke to a different representative who assured me the charges were " being disputed ''. Several days later, XXXX XXXX, 2015 I called to find out the status of my complaint. I was told there was no case number, no dispute, I would receive no refund. Barclay Card : 1. Denied charges after I called to tell them to say the charges were n't fraudulent ; 2. Told me to re-order merchandise, assuring me it was necessary and I would not receive duplicate orders ; 3. Misled me that they were investigating and would issue a refund if needed ; 4. Refused to issue me a refund. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I got a call from there fraud prevention they ask if I ok a certain transaction on my XXXX XXXX card I said no.They canceled my card. I called Susquehanna Back they gave me the # for the place that charged my card. At that time I was told the person I talked to told me she will order me another card. It would take 5-7 business days till i get it. Well on XX/XX/XXXX2015 the day before I was going to leave to go out of town I called the bank to find out my card was never ordered I hung up on them. After I cooled of for a little I called back and told the person I was leaving to go on vacation the next day she said OH MY and I said OH MY is right. I did n't want to carry cash with me she said to come into the bank to get travelers checks. I should not have to change my plans because they have incompetent employees. So I had to cancel my vacation ( fishing on the outer-banks with friends because of their screw up. I waited all year for this and was not going to have my friends hold money or checks for me. I want some kind of action from this bank I am out my deposit for the trip 

Company response: Company chooses not to provide a public response
Consumer complaint: IRS had put a levy on my account and it was done by error on there part. now i 'm still hit wit the bank charges and the IRS rep said they would inform the bank not to. 

Company response: Company chooses not to provide a public response
Consumer complaint: After providing ALL the CORRECT information and picking which agency I want a report from, the XXXX step always comes up with " Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. All the data is accurate and complete. My computer, connection, and browser requirements and setup are exactly what is required. I do, however, get eagerly prompted to enroll and pay for my " free report '' just like all the scam agencies that you warn everyone about. Has anyone ever really received a free report online from Annual Credit Report? If so, where is that information found and how is it confirmed? Are Federal mandates for the Consumer meaningless? 

Company response: Company chooses not to provide a public response
Consumer complaint: The VA is claiming I owe money. They can not tell me why I still owe this money because I paid the debt I had with them from my GI bill benefits before I could start receiving benefits. Pioneer recovery has started collecting this debt. They 've added {$500.00} in fees and are now garnishing my wages. I have read on the VA 's site that the Treasury Department is who collects any VA debts. Pioneer Recovery did n't give me any notice that they would be garnishing my wages. I need this to stop because I can not afford to pay my other bills with XXXX % of my net wages being garnished. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is an issue concerning an international wire transfer. I had recently opened a basic checking and savings account with Bank of America. At that point, they had proceeded to give me a form titled " To Receive a Wire Transfer '', amongst other forms, in an official welcome packet. The teller then filled out the form, in regards to information such as " Beneficiary Account # ''. 

I then gave said details to my father, in order for him to fulfill an international wire transfer, so I could receive funds to pay for my school tuition. The number written on the form, in my opinion, was written down differently as to what the actual account number was. This lead to my father 's international wire transfer being rejected. 

My father had originally sent an amount of XXXX XXXX, which had converted to XXXX US Dollars, at an exchange rate of XXXX ( XXXX to US Dollars ). However, when the money was returned, only an amount of XXXX XXXX, after an exchange of XXXX US Dollars at an exchange rate of XXXX was applied, was returned to my father, which has led to a substantial financial loss of XXXX XXXX. 

After hearing about this, I immediately proceeded to go to the Bank of America branch, located on XXXX XXXX XXXX. After explaining my situation, I was told to wait for a long period of time for the manager to see me, repeatedly being told to come back at later times because she was not present. After finally being able to see her, I was abruptly dismissed from discussing the matter by her saying that that document was not an " official '' document and that it was simply a courtesy to me, as well as her telling me that Bank of America would not accept any liability for this. The meeting may have lasted for XXXX minutes or under. At this point, I ask you, how am I, as an unknowing customer, supposed to distinguish between what an official document is and what is not an official document when there is no clear labeling on any of the documents and does this warrant me losing XXXX XXXX, for a matter that I do not feel is my fault? 

After this incident, I explained to my father what had happened and he proceeded to go get his own explanation from his bank manager, XXXX XXXX, at XXXX, XXXX branch. He then told me that in order for an international wire transfer to be submitted it requires both a valid beneficiary name and beneficiary account number, which as you by now know was not present. If those aforementioned details are not available, the transfer amount is simply rejected and returned with no charges or internal exchange rates applied, except that of the administrative charges associated with international wire transfer, which in this case should be XXXX US Dollars. At this point, I have proceeded to approach you, the Consumer Financial Protection Bureau, to help me in resolving this case. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have not had XXXX in over 8-9 years, this collection agency has it listed on my credit file and it is over the statute of limitations and can not validate this. Please help 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I found tickets from XXXX for XXXX seats at the XXXX XXXX concert in XXXX on XXXX XXXX. I bought these tickets from the seller and payed him through pay pal. The amount was {$490.00}. When I got to the concert the tickets that he sent me were not valid and I had to purchase additional tickets at the door. I have contacted the seller and he keeps avoiding refunding my money. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a Citibank bank account XXXX checking ) and credit card and ATM/Debit card. I travel. Every 5 years when my ATM card expires Citibank disconnects me from my on line banking, until I enter information from the NEW ATM card that they sent to me. But I am traveling and I did not get my new ATM card yet as it went to my mail forwarding service. So I can get it if I call my service and ask them, to package up my mail and send it to me here in Maine. However receiving mail where I am in Maine is not too secure. Please note that no other bank that I use DISCONNECTS me from my on line banking every 5 years when my ATM card expires, and usually I am not at a place to receive the new ATM card as I travel. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit card information was stolen and my credit card was used without my knowledge in XXXX 2015. I notified XXXX XXXX XXXX about the fraud. Credit card company agreed to waive my payment for unauthorized purchases in XXXX 2015. 
On XXXX XXXX, the company sent me letters and charged me total of {$430.00} without any explanation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was threatened, by a Bank of America representative, that they were not going to post my mortgage payment if I did not pay my mortgage in XXXX payment vs paying bi weekly. The representative told me the only way they would post my payments the way I have been paying is if I paid them {$8.00} per transaction to enroll in there biweekly payment program. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, we tendered proper notice to the landlord, XXXX to make remedy to those issues materially affecting our health and safety, as well as denying us quiet, peaceful enjoyment of the premises. XXXX, managed by XXXX XXXX, XXXX, refused our repeated requests to make remedy. On XXXX XXXX, 2015, we exercised our legal right to terminate the rental agreement, without penalty, in accordance with ARS 33-1361. Pursuant to ARS 33-1321 XXXX d ), the XXXX were required to refund our security deposit but failed to do so. Thus, not only did we legally terminate the contract without penalty, and delivering a thoroughly clean, scrubbed and sanitized unit for immediate occupancy, but XXXX is in debt to us for failing to refund our deposits. We do not owe XXXX ANY monies, as rent was paid current through our tenancy. XXXX accepted return of possession of the unit on XXXX XXXX, 2015. 

Company response: Company chooses not to provide a public response