AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I found unauthorized charges on my XXXX XXXX $ XXXX *XXXX XXXX XXXX XXXX, CA XXXX XXXX Date XX/XX/2015Transaction Date XX/XX/2015Merchant Category XXXX-ALL OTHER XXXX Method MANUALLY KEYEDRecurring Billing Indicator XXXX tried to call the number on the credit card bill but was unsure if it was really a credit company as it could just be fraud.. they started to ask for more personal information and I refused to give them my ss # or credit card number. 
A search on the internet shows this is not an isolated incident.. lots of people are experiencing this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from Credit Managementt L.P. of XXXX, XXXX requesting payment of {$56.00} on behalf of XXXX XXXX. I replied to them with the information that I have never lived in XXXX or anywhere in XXXX, that no family member or anyone for whom I might have fiscal responsibility has ever lived in XXXX and that I have never had an account with XXXX XXXX. 
I requested that they provide verification of the debt - in particular the account information from XXXX showing when the account was opened, by whom, and the date the debt was created. 
Their sole response was that they had talked to XXXX and verified the debt. This seems extremely insufficient to me and I am not inclined to pay a bill just because someone says-so. 
I am surprised that they have such a business model, where they expect to extract monies from consumers simply by sending letters demanding money. I would also be surprised if that kind of demand was even legal - I would expect that they would be legally required to provide some proof of the debt beyond what they have provided, which is no proof at all. It is not my burden to prove that I do not owe a debt, it is theirs to prove that I do. 
I have responded to them indicating that I will not pay anything until concrete proof that the debt is mine is provided to me, and I will further register a complaint with the XXXX. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: XXXX XXXX, XX/XX/2015RE : XXXX XXXX XXXX Loan # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXXConsumer Financial Protection BureauSir/ Madam : Good morning from XXXX XXXX XXXX Connecticut and thank you for reading this. 
In the effort to pay off our total mortgage balance of {$6500.00} XX/XX/XXXX, we made an additional payment of {$2000.00} to the $ XXXX amount for Escrow we were told was short, with a note requesting that the extra {$2000.00} be applied to the Principal. 

Days later, I contacted Suntrust over the telephone and inquired what the balance was so we can proceed with paying off the total mortgage expecting the amount to be {$4500.00} because of the {$2000.00} additional that should have been applied to the principal. 

I should point out by the way that we are enrolled in their automatic monthly payment. 

In any event, during that telephone conversation, I was informed that the amount was still {$6500.00} and when I asked how that could be, when we had made an additional {$2000.00} extra to the principal, she said " let me put you on hold and I 'll check '' and shortly thereafter said yes it should have and then apologized and assured me that it would be corrected immediately. 

Believing what I was told I waited several more days before contacting Suntrust again and to my astonishment was informed that the amount was still the same ( {$6500.00} ) and when I asked how that could be since I just spoke with someone days before and was assured it would be corrected, she apologized and said it would be done and to call back after XXXX days. 

I did XXXX more times after that. 

Over all and in a span of a month and a half at which point I have made XXXX ( maybe even XXXX ) telephone conversation with a CS representative, I would essentially be told the same story. 
That they are sorry and it would be corrected immediately. 

In fact sometime early this month I was contacted by someone at Suntrust who told me to request for an " escalation '' to resolve the problem. Imagine that. 

Considering Suntrust is a XXXX dollar corporation this unusual " mistake '' can not be coincidental, which prompted me to write to their CEO accusing his company of engaging in fraudulent practice because maximizing the interest payment is about the only sensible conclusion that would explain what we had encountered. 
Sincerely, XXXX XXXX ( I am the husband ) 

Company response: Company chooses not to provide a public response
Consumer complaint: EXPERIANXXXX XXXXACCOUNT SHOWING COLLECTION CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I called Network Capital to get a rate quote on an investor 15 year fixed-rate refinance mortgage loan on a residential townhouse that I am currently renting out. I stated up-front that I needed a quote on an investor loan refinance. The loan officer informed me that the range of interest rates of 15 year fixed-rate investor loan refinances is between 2.875 % - 3.25 % depending on LTV and credit score. Based on that representation, I proceeded to provide the loan officer with my information on the address of the property, the size of the loan, my salary, the fair market value, etc. He then stated that, since the LTV is at 60 %, I would be able to obtain the best financing at 2.875 % if my credit score is high. I assured him that my credit score is high and that I just want a quote. He said that he can not proceed with providing me a rate quote unless I provide him with authorization to pull my credit. I did not want my credit pulled, but with his representations that he provided that I would get the best financing at 2.875 % if my credit score is indeed high, I gave his the authorization to pull my credit. 
Upon pulling my credit, he determined that I have a high credit score. However, he then informed me that, since this is an investor loan, Network Capital will only provide an interest rate of 3.75 %. This interest rate is not the 2.875 % that the loan officer represented was available for those investor refinance applicants with a 60 % LTV and a high credit score. The 3.75 % interest rate is even beyond the interest rate range that he initially represented was available to investor refinance applicants at the start of the conversation. I would never have proceeded with the conversation and provided my personal information had I known that Network Capital was going to quote me an interest rate at 3.75 %. Further, I would never have authorized Network Capital to pull my credit had I known that the 2.875 % was not a real number for a 15 year fixed rate investor loan refinance. Dangling a phony teaser interest rate in order to induce me to apply for a loan and pull my credit is a clear Unfair, Deceptive and Abusive Act or Practice ( UDAAP ). In addition, I did not authorize Network Capital to pull my credit for a 3.75 % rate quote. That authorization, induced by a bait and switch, was invalid and pulling my credit report was thus contrary to the requirements of the Fair Credit Reporting Act. 
Further, the loan officer stated that Network Capital has a guarantee that it will beat any competitor 's rate quote. Accordingly, I sent the loan officer a GFE from a competitor on the same loan terms at 3.375 %. However, Network Capital failed to honor its rate guarantee by offering me a better rate or even the same rate as this competitor. Clearly, the advertised rate guarantee is phony in violation of UDAAP. 
Lastly, Network Capital never sent me a GFE on the application that I was fraudulently induced to submit. This failure to send me a GFE is in violation of TILA and RESPA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I never had a XXXX phone 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I tried to get my free annual credit report and upon ID verification it asks about an auto loan and also a student loan. I have never received any type of loan in my lifetime. Please help me get to the bottom of this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: - XXXX XXXX 2015 due to an XXXX I had the urgent need to go to visit XXXX XXXX XXXX XXXX located at Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - Phone : ( XXXX ) XXXX They provided a XXXX for XXXX an offered an agreement to rent or purchase the equipment under the Heatlh Complex form. I market the rental option for {$30.00} a month. 
- On XXXX XXXX, 2015 I received the XXXX invoice/bill ( $ XXXX {$18.00} ) from XXXX and made a complain with the XXXX XXXX XXXX care center where they called to support my claim due to the documentation presented. 
- XXXX XXXX, 2015 I received a XXXX invoice for the same amount stating I was late with the payment. I went back to the medical facility looking for a solution and explanation to the problem created by their institution. ( Documents attached and date stamped ). They called me later saying my case was solve and that I will receive an invoice for the correct amount of {$30.00}. That invoice never came. 
- XXXX XXXX, 2015 I received the collection leter from the collection agency XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX with the case reference # XXXX ( to be provided later ) for a debt with XXXX on the amount of $ XXXX XXXX XXXX, 2015 I went to the XXXX XXXX XXXX XXXX facility to speak wit the supervisor ( XXXX Tel XXXX XXXX ) and from there call the collection agency to explain and provide the information attached. The collector agent that took the call was XXXX XXXX ( XXXX ) XXXX and her supervisor was XXXX. XXXX was not helpful at all and she recomemded paying the full amount to prevent being reported to the credit berau and then ask for the credit if any. I totally desagree with the proces since its not right to collect wrong amounts. 
- I said clearly to them that I was disputing the charges and they told me it would take few days for them to investigate. 
- I called XXXX on XXXX XXXX, 2015 during the afternoon to confirm that my case was being investigated and they put me on hold for about XXXX min losing the call at the end with no respond. 
- On XXXX XXXX I received a letter from XXXX reference XXXX and reference XXXX communicating that the above reference accounts are closed within their office. 
- On XXXX XXXX XXXX I received a new collection letter from AMCA collection agency located at XXXX XXXX XXXX, XXXX, XXXX XXXX with the Pin number ( XXXX ) to be provided and phone number ( XXXX ) XXXX. The collection is base on the same case used by the XXXX collection agency that closed their account. It seems XXXX ( XXXX ) XXXX uses multiple agencies to collect money without reviewing their files and answering calls. I dispute all the worng charges processed by XXXX and used by any collection agency. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a mortgage with Wells Fargo Home Mortgage I unfortunately, I got XXXX months behide in my mortgage payments. However, I missed XXXX and XXXX 2015 payments, but I was on track with my XXXX 2015 until present. Technically and legally i am only XXXX and XXXX months behide. I agreed in XXXX 2015 to pay XXXX to bring my mortgage current starting in XXXX. My bank sent Wells Fargo a check in the amount of XXXX on XXXX XXXX 2015 for XXXX payment and also in XXXX XXXX for XXXX payment. Wells Fargo now is saying that I 'm XXXX behind and has put a foreclosure in place. When I called Wells Fargo to ask why did not my XXXX payment get applied to my loan, they claimed it was no where to be find. I have copies of all the checks, i have proof that Well Fargo cashed the checks. Then Wells Fargo did not accept the XXXX payment of XXXX. My checks from XXXX until present have not been applied to my loan. Then they have lost a check worth XXXX and saying it do not exit and now want to foreclosure my house because of their mistake. I need a resolution Wells Fargo must not be allowed to get away with this kind of practice!!!!!!!!! as a loan lender. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been awaiting debt validation from this company since XXXX 2014. I sent them a debt validation letter on XXXX/XXXX/14, however to date I have yet to receive any documents from them. I have sent a failure to validate debt letter to them too and still no response. The illegal thing is that they continue to report to my credit reports monthly since I have requested validation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This complaint regards a dispute that I filed with Transunion regarding medical bills from XXXX XXXX XXXX Hospital. The dispute was filed XXXX XXXX,2015 and an additional dispute was filed on XXXX XXXX, 2015 against the XXXX. I received a letter from Transunion dated XXXX XXXX, 2015 ( see attached ) that stated additional time was needed. Both of these disputes were independent of the other and should not have complicated matters with Transunion. It has been in excess of XXXX days since my initial dispute regarding the medical bills and I still have received no correspondence from Transunion regarding either matter. I contacted CFPB again on XXXX XXXX, 2015 and received correspondence stating that Transunion had sent a response stating that a copy of my credit report would be sent within XXXX days. Todays ' date is XXXX XXXX, 2015 and it certainly has been in excess of XXXX days since my dispute was filed and I would request that this information be deleted from my credit report. My initial dispute stated that at the time of the hospital visit I was fully insured and the bills should have been completely covered by my insurer at the agreed upon cost between the insurer and the hospital. 
Again neither of the disputes had anything to do with the other and should not have complicated either dispute so the additional days requested was not needed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contracted with XXXX XXXX Movers for services that were never performed.. Regardless of the performance, the contract drafted by vantage .... '' ..authorizethe above named business to charge credit card indicated in thisauthorization form according to the terms outlined above. ". The contractCLEARLY STATES .... '' ... XXXX XXXX authorize XXXX Auto Movers.. '' This contract is clear and even was also provided to me by the recklessaction of my bank BMO Harris which this dispute is with. I under nocircumstances do I nor did I authorized to release via my account with BMOHarris any amount of funds to XXXX. BMO Harris sent mean arbitruary unsigned letter with a copy of contract that no where indicatesany relationship to XXXX XXXX XXXX. Regardless of BMO Harris banknow claiming, without providing any proof, that they [ BMO Harris ] now say, without in any writing are authorized outside scope of contract deliver funds to XXXX XXXX XXXX which is clearly not the " above named '' nor woulddo business with them. BMO Harris is not authorized to release any funds ofmine to XXXX XXXX XXXX ... 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXXEXPERIAN XXXXACCOUNT SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: They call repeatedly, do n't leave a message. Just in the last week they have called 6 times, sometimes at 3 in the afternoon and sometimes at 10 XXXX. They also call on weekends at odd late or super early times. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I resigned from a position I had with a XXXX back on XXXX XXXX, 2015. I had a XXXX account with instructions that stated within 60 days of departure, I was to receive the money direct deposited to a bank account. The positions were sold on XXXX/XXXX/15 and the cash proceeds transferred out on XXXX/XXXX/15. I called my former employer to ask when these proceeds would be direct deposited and was told they would be sent XXXX/XXXX/15 and available XXXX/XXXX/15. I checked my account on XXXX/XXXX/15 and there was no deposit. I spoke with the bank today and they said the deposit would not be made until XXXX/XXXX/15. I received no phone call or correspondence informing me of this change nor an explanation, not to mention the fact that it exceeds the legally stipulated 60 day window. 

I am in need of this money in order to pay taxes, bills, and to provide for my family. I need a resolution immediately as this is unacceptable use of a former employers money. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank closed my credit card account before I got a chance to pay off with no interest due to a bad check. 

It would 've never been a bad check had they removed the direct deposit from an unused account ( old account closed due to fraud ). I was making payments of {$150.00} on time from an updated account. After i noticed the first attempt to take direct deposit from my closed account ( which I 've called multiple times to remove ), I called again to ask them to remove that direct deposit since I tried and was unable to do so online using their online portal. Btw, I work as a XXXX, so I 'm pretty sure it was a bug on their end. I removed the old direct deposit countless times manually and even over the phone. They decided to cancel my account even though I was making all my payments on time. Because of their incompetence of not removing my original direct deposit like I 've requested countless times, it resulted in a bounced check in which Citibank closed my credit card account. Now my credit is negatively affected. I cant make purchases ... 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXXDear Consumer Financial Protection Bureau ( CFPB ), On XXXX XXXX, 2015, I submitted an email requesting guidance regarding several issues which will be discussed later. On XXXX XXXX, 2015, I received the following response email : '' Thank you for contacting the Consumer Financial Protection Bureau. 

Please contact the CFPB 's Consumer Response team directly at XXXX, or go to the CFPB 's website at http : //www.consumerfinance.gov to ask questions, file a complaint, check the status of a complaint or obtain additional informations on the CFPB 's regulations or other matters. " Since, the CFPB is an independent bureau funded by the Federal Reserve, tasked with drafting and enforcing regulations for banks, equity markets, credit unions, debt collectors, mortgage lenders, and other entities offering financial goods and services. Functions and Responsibilities of the CFPB Essentially, the CFPB is a watchdog agency tasked with protecting consumers from unscrupulous lenders and other financial institutions. While the bureau has some unique responsibilities, the CFPB also will assume existing duties once carried out by the Federal Trade Commission and other government agencies. 

We are requesting assistance with respect to Trans Union. 

FACTS AND ISSUE ( S ) I. Trans UnionTransUnion Consumer RelationsXXXX XXXX, PA XXXXTRANSUNION FILE NUMBER XXXX dated XX/XX/2015XX/XX/XXXX, Dear TransUnion , I am in receipt of your response to my XXXX XXXX, 2015, request for deposed information. Your response was void of the information. If you are n't the proper venue even though you sent the information to us can you please provide us with the agency that can assist us and/or who oversees your operations? Regards, Courtesy copy of request to Consumer Financial Protection Bureau ( CFPB ). CFPB if you are n't the proper venue please forward my concerns. 
A. The duties and the legal requirements of Trans Union a credit reporting bureau is predicated on evidence and facts. We received a notice from Trans Union on XXXX 2015 and subsequently requested a credit report. The report had some unsubstantiated information so on XXXX XXXX, 2015, we requested deposed documents to support the unsubstantiated information. 
B. We are requesting your office to either contact Trans Union to obtain the requested deposed documents since they just ignore us or forward our concerns to the appropriate governing - body. 

Regards and if additional information is required please let me know, XXXX XXXX, XXXX. 
__________________________________________________________________ 

Company response: Company chooses not to provide a public response
Consumer complaint: Thank you for submitting an Online Consumer Complaint. A representative from the Consumer Services Office may contact youto follow up. 

Here is a copy of the information you provided. Please save for your records. 

Please do not reply to this email. 



Name : XXXX XXXXAddress : XXXX, PA XXXXHome Phone : Day Phone : XXXX Ext : Email Address : XXXXXXXXXXXX Name : wells fargoAccount/Loan # : XXXXInstitution Address:XXXX XXXX XXXX XXXX. 
XXXX, pa. XXXXReason for Contact : On XXXX XXXX 2015 th I authorized my credit card ( XXXX XXXX ) to debit my account on XXXX XXXX XXXX for XXXX. on sat XXXX XXXX 2015 my credit card credited my card with the XXXX payment as if it was received. on monday XXXX XXXX XXXX 2015 wells fargo removed the XXXX from my account. later that day. i overdrew my account. using overdraft protection. yet they ( wells fargo ) still charged me XXXX XXXX overdraft fees. i politely asked them to be fair and human and just charge me XXXX. however the refused. I know its inhumane however im uncertain whether they violated any laws. also when i contacted them a representative tried to tell me my credit card company credited my account but they didnt actually take the funds until later. any event the funds were removed. prior to me overdrawing. 

Signature : XXXXDate : XXXX/XXXX/2015Name of Attached File: 

Company response: Company chooses not to provide a public response
Consumer complaint: EXPERIANXXXX XXXX XXXXACCOUNT SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent Experian numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and they are ignoring my requests. 

Company response: Company chooses not to provide a public response