AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Best Buy has been charging me, monthly, for a service of which I never signed up. The service is something XXXX ( taken directly from my statement ). When I called in to inquire about this charge, of which has been charged to me for the last XXXX years, they told me it was for a " geek squad insurance plan '' for my iPhone. The problem here is that I would have never agreed to insurance from Best Buy for an iPhone, as I am covered, and have been covered, from XXXX for over XXXX years for all of my cell phones. I would never have agreed to having XXXX different insurance plans for a cell phone. When I asked Best Buy to refund my money, they refused. I requested proof that I authorized the monthly charge, and they were unable to provide that, either. This was a hidden and very deceptive charge, obviously, and Best Buy needs to be held accountable. I know I should have checked my statements previously for this charge, however, the monthly amount was so small and I am on an automatic payment plan ; therefore, I did n't notice until I was looking online to determine if I purchased a warranty for another purchase from Best Buy. Bottom line, Best Buy is trying to, essentially, steal money from consumers and I feel that the CFPB should investigate this practice. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ally used its discriminatory practices to inflate my loan interest rate and inflate my monthly payments. Ally used its discriminatory practices to seize my vehicle and render me nearly financially and mentally ruined. My Ally case no is XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX addresses that are listed on my report that do not belong to me, but to my former spouse. They are : XXXX XXXX XXXX XXXX XXXX, XXXX Wa XXXX and XXXX XXXX Wa XXXX. I would like them removed from my credit report. I have never lived at these addresses. 

Company response: Company chooses not to provide a public response
Consumer complaint: experian still does not issue my credit report/score and I am unable to refinance my home. 
no explanation given to me. only that " information not available '' 

Company response: Company chooses not to provide a public response
Consumer complaint: i opened a dispute with a credit card for the charges on my statement for XXXX/XXXX/2015 from the XXXX hotel which i booked, but never used due to hotel did not have clean sheets. ( the sheets had big XXXX stain on them ). credit card refused to credit me due to they said " its falls under Quality of services ''. the rep from credit card told me hotel is not obligated to provide with clean sheetsi strongly disagree, why i have to pay for hotel that i never used in the first place 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I have been trying for years to refinance our home mortgage. Wells Fargo, the lender, XXXX mortgage owns the loan. We bought our home in XXXX, have not missed a payment + we have great credit scores. Currently, our home value is less than what we paid for. Wells Fargo wo n't lower the loan to the current property value, unless we 're in a hardship! Wells Fargo just sends letters with XXXX numbers, so they can give you the run around and pass you off to other staff until you get frustrated and hang out. 
Meanwhile, we 're busy and do n't have time for this. Perfect scam. Why would they help!?!? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have gone back and forth with both Transunion and XXXX credit reporting agencies. I have disputed and disputed, and they remove some things and then reinsert them again, making my score go down by over XXXX points. I do n't know what to do as the debts they are talking about are in most cases over 7 years old, and in the State of Nevada, credit card debt is only collectible for4 years. They are ruining my credit, and I ca n't get another card to pay off a high interest card with a no interest card. The new ones in question are from long ago charged off credit cards from XXXX. I am attaching a letter sent to them to inform the credit card companies of the charged off nature of the XXXX accounts. They are from XX/XX/XXXX and XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: PLEASE see Case number : XXXX for additional supporting documentation that was sent last year. 

I was able to modify my mortgage through NACA XXXX Neighborhood Assistance Corporation of America XXXX ) and met with Home Loan Services XXXX Homeownership Preservation Team in the year 2009. 
MODIFIED XXXX home loan mortgage to 2 % fixed for life and to the market value of the home to {$360000.00}. 
REMOVED XXXX mortgage loan and moved balance to the XXXX home loan mortgage XXXX combined ). 

* ISSUE - A collection agency named Veripro Solutions thinks that my XXXX mortgage loan still exist. I sent them my loan modification documents/spoke with their representatives numerous times, to show that the XXXX MORTGAGE WAS REMOVED and the balance was moved to the XXXX mortgage. But they still keep sending me letters that I still owe the XXXX mortgage. 

XXXX My loan modification was personally negotiated with XXXX XXXX XXXX XXXX Assistant Vice President Loss Mitigation - Resolutions ) and XXXX XXXX XXXX Homeownersip Preservation Team ) from Home Loan Services XXXX XXXX XXXX Original Servicer ). XXXX personally explained to me how the loan modification would be with XXXX present. XXXX clearly even wrote and explained it to me on how the loan modification would be ( attached ). I also spoke to XXXX XXXX XXXX XXXX XXXX Loss Mitigation ) who completed the modification and we went through the modification paperwork together BEFORE I signed it. And XXXX stated that the XXXX mortgage was removed and balance combined with the XXXX mortgage. 

Loan Modification : XXXX XXXX loan mortgage deferred to 100 % LTV XXXX Loan to Value XXXX which would make it XXXX. 
* XXXX loan mortgage removed and balance moved to XXXX. Part of that balance/portion ( {$45000.00} XXXX will be postponed and be paid once the XXXX loan balance has been paid. 

If my XXXX mortgage was not removed and not part of the loan modification then : XXXX Why is my principal balance {$540000.00}? XXXX If my XXXX loan mortgage was modified to 100 % LTV ) * Where is the amount {$45000.00} coming from? 
XXXX Veriprosolutions needs to provide me documentation on where {$45000.00} is coming from if my XXXX was not part of the loan modification. *Documentation needs to come from original servicer XXXX XXXX XXXX 
XXXX Veriprosolutions also needs to provide me documentation that the XXXX mortgage was not included in the modification or not combined with the XXXX mortgage. *Documentation needs to come from original servicer XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I called and asked that they remove the comment on my XXXX Credit report " customer disputes ''. I do not dispute and agree that it is my bill. I was told I 'd have to pay the bill before this was done. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I received numerous calls & emails from CashCall ( the company ) to get loans. I needed the $ $ $ and I finally gave in and got into a financial situation ( 125 % ) interest and have been challenging the CashCall Inc. and finally they reduced the interest rate from 125 % to % 75. 

I was wondering if could get assistance from your organization to get a better interest rate from CashCall Inc. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I took out a loan with Westen Sky and it was immediately sold to XXXX XXXX and then ended up with Delbert Services. They never took out the payment on the date they stated. It always took longer and ended up costing me in overdraft fees, etc. 
I have been called by several companies claiming to collect for Western Sky and Delbert Services, etc. They all threaten and call friends and relatives with threatening tones. 

Company response: Company chooses not to provide a public response
Consumer complaint: I pay my mortgage with direct withdrawal from a bank account with the same bank, Suntrust, that owns my mortgage loan. My payment is a little over {$900.00} a month and I pay {$1100.00} XXXX a month ( I just raised the amount to XXXX from XXXX ) with the additional amount put toward my principal. I have specified multiple times ( verbally and in writing ) that this amount was to be put toward my principal. Several months into paying my mortgage, I started receiving a " Prepayment Notice '' telling me they were applying this extra money to my mortgage payment and not to my principal and that now I did n't need to pay my mortgage for XXXX months. The prepayment notice includes the following phrase : " In accordance with Suntrust policy, any amount received over the minimum monthly payment, may be applied to your principal balance. '' The verb " may '' is of course used here to indicate that early principal repayment is possible, though has not been done in this case - even though I have repeatedly asked that it be done and it was being done. I visited the bank after receiving the first of these notices and a banking representative discussed the situation with the " Exception Payment Processing Department '' to again let them know that I am not prepaying my mortgage, but rather prepaying my principal. Instead of correcting the problem, I now have received another of these Prepayment Notices which indicates that Suntrust is not applying my extra payments to my principal and has not been doing so for long enough to have amounted to full prepayment of XXXX - XXXX entire mortgage payments. This is stealing. Can you please help me and the many others who have had this problem? 

Company response: Company chooses not to provide a public response
Consumer complaint: A state tax lien was placed on my credit with the state of California. The lien is meant for XXXX in that state. I am an XXXX. I made an income of XXXX $ during XX/XX/XXXX. The state of California will not remove the lien after we sent XXXX documents showing proof of a XXXX $ income for XX/XX/XXXX, since I worked only for the XXXX and was then and currently am a XXXX resident. Please help. The lien was placed in XX/XX/XXXX. I have spoke to the XXXX XXXX XXXX XXXX office, they told me what to fax, sent all documents numerous times and lien is still in place on all XXXX crediting monitors XXXX, experian, and XXXX. I am not able to purchase a home with the VA home loan system due to this lien. 

Company response: Company chooses not to provide a public response
Consumer complaint: I no longer owe this money to lobel they sold it to a third party .so if they sold it how can I how them.i have contected lobell and they have no info.all they tell me is it was sold to a third party what does that mean it has been on my credit report as wrong info I also notifed my credit report agencys they do n't help.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX 2015, I received a notice from a company named XXXX XXXX XXXX XXXX stating that I owed a debt to eBay. I called this company and also eBay and reported that I do not owe this debt as I had never sold anything on eBay. I also reported this to the local police as a case of potential stolen identity. In XXXX I received an email from eBay claiming they were reviewing this claim. 
On XXXX XXXX, 2015 I received a letter from another company named XXXX XXXX XXXX claiming I still owed eBay a debt. Apparently eBay allowed someone to link to my account without proper verification and now wants me to pay for their incompetence. 
I have already spent a great deal of my time attempting to resolve this issue. With my personal time and cost of consulting my attorney, this has cost me over XXXX times the amount that is claimed that I owe ( {$89.00} ). 
This has become quite an ordeal as well as generating a great deal of stress on me and my family. I am physically ill and I am concerned that this will adversely affect my excellent credit score ( + XXXX ) that I have spent a lifetime maintaining. 
I have attempted to describe this situation as briefly as possible. I have spoken with the debt collector, eBay and Pay Pal. I have also spent time making police reports, consulting with an attorney and responding to emails from eBay. I believe that they are purposefully attempting to " beat me into the ground '' in their attempt to collect a debt that is not mine. I have also spent time researching this and discovered that anyone can link to your eBay account without appropriate identification. I am shocked that a company such as this operates in this manner. They also do not cooperate with police agencies as they have thrown many bureaucratic hurdles in front of the investigating officer. 
Thank you for reviewing this complaint. I believe it is a microcosm of a much larger and systematic pattern of illegal practices by eBay. Most people probably pay rather than deal with this abuse. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Kay Jewelers in XXXX Ohio XXXX allowed my son to purchase a wedding band and a diamond band on my Kay credit card with out my knowledge/approval I brought it to their attention as soon as I noticed it on my statement over a year now they refuse to do anything about it, say it is my responsibility. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I took out a CitiFinancial XXXX loan in XXXX. I made payments but when I was late by a payment, CitiFinancial filed a lawsuit against me. On XXXX XXXX, XXXX, this judgment was vacated by the judge. I continued to make timely payments on my accountuntil CitiFinancial sold my account to XXXX XXXX. I made the monthly payment to XXXX XXXX on account. After a short time, the account was once again sold back to CitiFinancial. I did not receive any statements but continued to make the monthly payments on time. In XXXX XXXX, I contacted CitiFinancial by phone and was told the amount due was {$2500.00}. This was incorrect. I continued to make monthly payments. In XXXX XXXX, I contacted Citi again to inquire as to why I still was not receiving statements and why there was no activity on my credit report. I was advised by email, I owed {$5200.00}. I than received a letter from XXXX advising that I had been sent to collections and Citi reported to the credit reporting agencies that I had defaulted on my loan. Even after producing the vacated judgment, they have refused to correct this. I continually get transferred and told they cant talk to me. But I was able to find out that they are now stating I have XXXX accounts. I have only had XXXX account through Citi. My credit has been affected by CitiFinancial 's inaccuracies. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I made a payment of {$130.00} through the automated system for my Dillard 's American Express credit card. The system prompted me asking would I like to use the current checking account information on file ending in, XXXX XXXX XXXX XXXX, used for the last payment. I stated yes, and the system asked me to hold while it processed the payment. I received a confirmation number afterward. In XXXX, 2015 I received a notification stating due to nonpayment my account had been closed. Unbeknownst to me I had not be contacted before this letter. I immediately called Dillard 's, they transfered me to a Wells Fargo representative, XXXX. He informed me, after reading my entire checking account number aloud, the system only captured the XXXX digits of the checking account number and the payment sent was returned. I informed him that this account has a five year non delinquency history, also the credit bureaus report that a history of my on time payments as XXXX of the things helping my FICO score, and based upon the information he provided reporting this as a delinquent account is inconsistent with my credit history. He informed me that this was a system error and could be fixed, however the account could not be open again. Nevertheless, to no avail over the course of three months I have disputed this matter with Dillard's/Wells FargoXXXX which I 've been told that I did not input information into the system correctly, although the payment was made through the automated system in which a confirmation was given ; also with each of the XXXX credit bureaus as well. I am appalled at the lack of responsibility Wells Fargo has taken in correcting a mistake made in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a cheque account at Bank of America while visiting XXXX in 2013.
Now Bank of America will not send me the balance. I have made XXXX International calls and numerous emails with endless promises made but still no money.
Company response: Company chooses not to provide a public response
Consumer complaint: Threatening calls at Work. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a notice of debt from the Fair Collections & Outsourcing of XXXX XXXX in XX/XX/XXXX by a phone call, which I clearly stated that was n't mine and was a result of identity theft. I demanded all pertinent documents used by the thief and they took over XXXX to provide. The thief used my maiden name and an unknown XXXX drivers license number to rent an apartment. In the application, the thief provided signatures that do not match to each other, and you can tell that the creditor did not do their due diligence to verify their identity as they failed in a few obvious areas : verify their previous residence and workplace, check their signature, and verify validity of their drivers license. 
After I sent in the affidavit and proof of my identity that included our lease agreement at our current address, utility bill, my husband 's XXXX military XXXX to XXXX XXXX XXXX, and copy of my paystubs, they proceeded with reporting this debt to the credit bureau XXXX days later. I will be sending another letter tomorrow ( enclosed with this complaint ) to demand that they stop all collection proceedings against me as I have provided everything they need. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells FargoMy husband is POA for his father who is in a rehab center and is XXXX. He had 3 CD 's due in the month of XXXX which we did not want renewed which where set up for auto renewal. 

XXXX XXXX or XXXX went to the branch and told them we did not want the auto renewal on them. Was told could not do that to the grace period which would start XXXX XXXX and XXXX XXXX. 
Not living in XXXX we returned home to XXXX 
XXXX XXXX call the number of the CD renewal and was told them not to renew. Was told it would be deposited into savings. Why it could not be just changed but waited. 
XXXX XXXX call branch bank and asked why not into savings. Told it takes 3 business days. 
XXXX XXXX called the number on the CD was told it was in process and would show up by Friday XXXX XXXX. 
XXXX XXXX called still not into savings. There shows nothing to stop renewing. Spoke to supervisor and said she will take care of it Monday. XXXX XXXX and call to confirm. 
Monday no call. Cal again on XXXX XXXX and another person would take care of it. But it takes XXXX business days. Well of the 3 CD 's only XXXX were done correctly. Again time on the phone and now with holiday maybe XXXX. 
No one should be put this this incompetent bank routine of infuriating customers and denying them there own money. 

This is {$150000.00} why should someone need to wait to get there own money and the process of stopping the renewal could not be done at anytime. Poor service and customer service. Incompetent 

Company response: Company chooses not to provide a public response
Consumer complaint: On 2013, I ended my service with XXXX and paid the full amount. After the service was terminated, XXXX charged me for {$81.00} for the next month 's cycle which was a mistake on their part. 

I disputed this collection on XXXX and it was removed from my account increasing my credit score. 

Please assist with this issue I am having. I 'd like to keep a clean credit and I have always been diligent with my payments. I 'd be happy to provide more information. Thank you! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I sent a debt validation letter to this company on XXXX/XXXX/2015 and they ignored my request of validation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Since Green Tree Servicing has taken over the servicing of my home loan they have relentlessly called me every time my payment was even a day past due, sometimes XXXX times per day. They have also ( on XXXX occasions ) falsely reported to the credit bureaus that I have been 30 days delinquent on my mortgage. They are difficult to contact and just plain rude when I am able to get hold of someone. I do n't understand how a company such as Green Tree is allowed to operate using such malicious tactics. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The third party collection agency is reporting inaccurate information to each of the credit bureaus ( XXXX, XXXX & XXXX ). This company has re-aged an account listed to reflect a recent collection date of XX/XX/XXXX and continues to report this falsified information even after sending documentation to validate the original date of delinquency XX/XX/XXXX which confirms that the correct information is on file but the company is intentionally re-aging the account. I have disputed this account several times but it keeps being reported. It was originally disputed in XX/XX/XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX/XXXX/2015 I checked my Experian credit report because I was concerned the XXXX hack might have affected me. I found Experian had added another social security number, another address, and XXXX variations of my name = all wrong. After a lengthy telephone call, Experian agreed to remove the errors. My recommendation to you is that before any credit bureau adds a new social security number, new address, changes the name, they should be required to verify such changes with the person on file ; now they do not. thank you XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a victim of identity theft and someone stole my personal information and identity and opened up fraudulent and unauthorized Wells Fargo checking and savings accounts that do not belong to me. Attached is supporting documentation for proof, I was incarcerated at XXXX Correctional Facility-XXXX from XX/XX/XXXX to XX/XX/XXXX 

Company response: Company chooses not to provide a public response