AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX of 2014, my husband ( who was my fiance at the time ) and I purchased our wedding bands at a value of {$3000.00} at a ZALES Diamond store in XXXX XXXX, Florida. We chose Zales because they had a promotion advertised on their website and on a store front signage, offering a certain percentage off the entire sale and 0 % interest the first year on charge purchases. So we signed up and completed the purchase. We double verified with XXXX ( the sales associate helping us ) that we were qualified for the 0 % interest for the first year promotion. As understood, she verified more than once that we were eligable for the promotion. To our surprise, on XXXX XXXX, a {$600.00} and something charge hit our account. I called in to inquire on the charge, as I know we had n't used the card, and was advised that the charge was backed up interest because we had no paid off our debt & the " promotion '' was for balances paid in 6 months. I WAS IN SHOCK!!! I tried explaining to the associate on the phone that in no given time was this explained to me by XXXX when we asked her multiple times about the promotion. He went on to say that it was in the agreements that we signed. Who the hell looks at all those fine prints?! I asked to speak to the manager, who of course could n't help me & was suuuuuper rude and basically told me I just had to pay the interest charge. Long story short : ZALES is a thieft company. They advertise incorrectly and hide information/fees. I will never be doing business with them again. My husband 's wedding band is giving him an allergic reaction and we are looking into filing a lawsuit against them. Worst part is - they are negligent to help and makes us consumers feel as if they are the ones doing us a favor. The XXXX associate that assisted me on the phone told me that A LOT of people call to complain about the same thing and that A LOT of people say their in store sales associates fail to give them complete promotion information. Funny how their own employees would say that about the company .... really says a lot about them. Stay away from Zales ... cheap quality jewelry & high price tags. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an autoloan with BB & T Bank that was part of a Chapter XXXX Bankruptcy. I filed for protection in XX/XX/XXXX Case # XXXX this was dismissed prior to the confirmation due to a clerical error but payments were still being made to the trustee. This Case # XXXX followed and again due to clerical error was dismissed prior to confirmation but payments were still being made to the trustee. Case # XXXX replaced the previous cases and was dismisses AFTER CONFIRMATION in XX/XX/XXXX due to loss of employment. 
At issue is the reporting by BB & T stating that I was past due while in the chapter XXXX and that payment was not received. Payments were sent by the XXXX Chapter XXXX Trustee to BB & T while the case was EVOLVING from the INITIAL CASE FILING # XXXX. 
I have sent a formal letter to BB & T in XX/XX/XXXX with no response and filed an online dispute through XXXX. The online dispute response stated that BB & T has changed the report showing that the account was paid but still shows XXXX missed payments from XX/XX/XXXX ( initial filing ) until XX/XX/XXXX ( case dismissed ). The Trustees office shows that payments were made and received by BB & T starting in XX/XX/XXXX. 
When I had voluntarily dismissed my case in XX/XX/XXXX, I paid BB & T the final payoff for the XXXX XXXX and received the title upon payment. 
I wish to have the late payments adjusted accordingly and fairly. I retired from the XXXX and have XXXX that prevent me from employment. I incurred these debts and have been working towards repaying XXXX my debts back to the Creditors. All I ask is that I be treated accordingly. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX has reported monies owed to them. We moved early in the month due to an apartment available through Housing Authority of XXXX XXXX XXXX who in fact sent an agent to inspect prior to our acceptance and he said and I quote i dont need to see anymore im familiar with these apartments XXXX and had to accept or lose our place on wait list. XXXX Properties kept our {$500.00} deposit and made no attempt to contact me. I just seen this on my credit report through Credit Karma. Not only does that cover the month but that company made no attempt to repair anything that was needed since we moved in a little over a year. This included faulty oulets which sparked every time they were used in fact two outlets had the top plug working properly in the entire two bedroom apartment, a broken window due to a gun shot that happened prior to moving in ; never fixed, mold and deteriorating wall due to water leak through patio door, cockroach infestation, etc. I feel in no way did we leave them " HANGING '' so to speak. The {$500.00} deposit they kept should have sufficed that slumlord and we left it clean! 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: One of the most powerful tools in a consumer 's box is the ability to pay down mortgages early. For many years I have gained equity at an amazing rate by taking my monthly mortgage payment, cutting it in half, rounding up a few dollars and making a half-payment on the first and XXXX of the month. Doing this causes my payments to apply to my principal at a much quicker rate, cutting years off my mortgage. 
I refinanced my home a few years ago in an effort to do business with a local bank, XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas, and not XXXX the big nationals that caused the financial meltdown. I made it clear how I wanted to make my payments, and they said it would be no problem. Then they sold my mortgage to XXXX the worst offenders of the financial crisis, Wells Fargo. 
Wells Fargo does not allow the immediate application of half payments, instead holding payments until an amount equaling the entire payment has been received. 
This has resulted in them receiving a payment on the XXXX of the month every month for the past XXXX years, holding it until the XXXX of the month, then adding it to that half payment and applying it to my account. This has cost me many XXXX of dollars, and I am angry about it. Wells Fargo refuses to change for me. 
I tried to refinance through XXXX XXXX XXXX, where they used to do it my way, but they no longer offer this service. I 'm sure if I go to other institutions they will sell my mortgage to one of the big banks who no longer apply payments as received. 
Can you help? 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 we submitted a complaint against Statebridge Company for violating the rules pertaining to prompt-payment crediting to a consumers account. In response to that complaint Case # XXXX Statebridge submitted a fraudulent document to the CFPB. This document is unsigned and has never been seen by or sent to XXXX XXXX XXXX XXXX This alleged " Modification Agreement '' is a fraudulent document and was invented and produced for the purposes to mislead the CFPB in their investigation. We believe the there should be a criminal investigation in regards to this submission of this fraudulent document. If this document is authentic Statebridge should produce a signed copy showing XXXX XXXX signature on this document. 

CFPB PLEASE SEE EXHIBITS FAXED DOCS FAXED TO XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: i have many HARD INQURIES on my report recently, but the only things i have applied for are PRE APPROVED credit cards ( XXXX XXXX ) and was approved. How do i remove these HARD INQUIRES?? my credit score went DOWN considerably due to this. 
ALSO MY XXXX ACCOUNT IS FROM 2007..THIS SHOULD BE REMOVED AS IT WAS SATISFIED. XXXX TRANSUNION AND XXXX HAVE THE INCORRECT INFO ) 

Company response: Company chooses not to provide a public response
Consumer complaint: Delaware Solutions, XXXX XXXX is contacting my place of employment, my relatives and stating there is a federal case against me regarding me being a " habitual offender '' of a debt case, is sharing the last digits of my ss # to my employer and relatives. They have left messages threatening to send me a summons to appear in court where I will be required to pay and if not, they will put me in jail for the maximum sentence for fraud. 
They will not send any information regarding the debt over but claim I owe over {$2000.00} in bank fees and for the original debt. They are claiming it is a payday loan which I have not taken out. I tried to explain that my identity was stolen a few years ago and since then I have been getting these calls. She claimed that if I do not pay, I will be arrested. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: on XXXX XXXX, 2015 I was charged several transactions from XXXX XXXX transactions in the following amountsXXXX. {$20.00}. {$100.00}. {$54.00}. {$120.00}. {$56.00}. $ XXXXtotal amount of {$390.00}. I attempted to contact XXXX through customer service and email I received the same resonse several times stating to look over my XXXX purchase history which I had already done and determined that the charges were not mine nor were they authorized after serveral unseccessful attempts I contacted my bank Bank of America. I filed a dispute. I cancelled my debit card that was linked to my itunes account to prevent this from happening again. Today XXXX XXXX, 2015 I checked my account again to pay bills and once again I have XXXX new XXXX charges all for in the amount of {$100.00} totaling {$430.00}. In the past week XXXX has charged my account in the amount of {$820.00} in unathorized charges. I need this amount refunded asap to my account and for these charges to stop now. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, I discovered there had been a XXXX day late placed on my credit report in XX/XX/XXXX from the XXXX XXXX XXXX XXXX XXXX, ( XXXX ). I contacted XXXX over my credit report, they explained that there had been an error on my account and they would send a letter to all XXXX credit reporting agencies and have the XXXX day removed. XXXX XXXX XXXX immediately removed the XXXX day late from my credit report. Experian still left the XXXX day late on my credit report. I have filed two disputes with Experian, and XXXX times have come back denied. After the second dispute, I received a letter from Experian explaining that the XXXX credit reporting agencies interpret data differently, therefore they would not be removing the XXXX day late from my credit report, even though it had been requested by XXXX to be removed. 
I have no choice to believe that this is a discriminatory act from Experian because I am XXXX Service Member. 
I am respectively requesting any assistance in this matter. The only flaw on any of my XXXX credit reports is the invalid XXXX day late from XXXX that Experian refuses to remove. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells fargo applied a personal loan for me without my knowing, i was forced to sign a document not knowing what i signed for and not knowing what the document is. wells fargo pulled my credit and lower my score without my consent. the unethical practice is unbelievable and the bank should be a national shame. The application number i got in the mail is XXXX. the bankers and managers at XXXX, MD dont know what they are doing, practice unethical account openings, elderly abusive, and take advantage of poorly english speaking immigrants. 

Company response: Company chooses not to provide a public response
Consumer complaint: This information was removed back in XXXX 2015 and then now, XXXX months later it is reappearing! 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan was transferred to loancare from XXXX. I started receiving notices in the mail my direct deposit was no longer active. I called the delinquent payments department, i got a gentleman after about a XXXX minute wait, he had a good demeanor and took my payment and also setup my auto draft bill pay. 2 weeks later i am getting delinquent notices in the mail, i check my bank account, no money was ever taken, they are threatning to take my house, mind you i have never missed any mortgage payments before. I called back and they said they can take payment and could see that the auto drafting was setup but it never went through, so I said ok can i please set that up now? They said sure and transferred me over to customer service. I sat on hold for XXXX hours ... no one ever came, i could hear the phone beeping to keep me on hold until they finally hung up on me. I called back the next day to the delinquent department and asked about the customer service wait times, they said they are very backed up, i asked If i could please be transferred or if they lady could kindly walk over to a desk of a cust service rep as i waited on hold for XXXX hours and got nothing, she got mad and said no i cant do that! I then sat on hold for another XXXX hours on hold waiting for a rep that never came. I still have no bill pay setup and now I need a morgage statement from them to get approved for a loan on another house and I know I will no get it. a terrible company that is impossible to get a hold of unless you need to make a delinquent payment. Then I tried to do it all online, that was terrible! I tried setting up the auto bill pay, and getting a copy of my statement, every option led to : the option is unavailable : CALL CUSTOMER SERVICE -- -- 

Company response: Company chooses not to provide a public response
Consumer complaint: UPromise XXXX serviced by Barclaycards : The telephone access system requires a SSN and zip code to be entered via keypad in order to access account information, including transactions and payments. No pin is required. My ex-husband knows my SSN and zip code and was able to access my account information each month. I requested a telephone pin be set up, but they would only offer a verbal pin and not XXXX for the keypad. As a result, my information was compromised and illegally accessed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been charged {$240.00} in overdraft fees over the last XXXX days alone. Many of these coming in the same day. Yesterday I was charged another fee, even though a deposit had been made in the account. I am now being charged overdraft fees for being over drafted. This is ridiculous and I can not afford to pay {$240.00} in over draft fees. My balance is currently XXXX with {$240.00} of that related to overdraft fees. I can not believe that this is legal or allowed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have supplied the dispute report number and will attach that document along with the additional documents. 
Background : I tried to sign up of the Social Security website for an on line account- upon doing so I was not able to so I called the SSA office number supplied by the website. I explained all of my information is correct etc. 
The SSA rep. explained that identity verification is drawn from Experian and I needed to contact them ; si I did. 
Upon doing so, the Experian rep. explained to me that she has no idea what information was supplied to the SSA office, but did I see anything? Yes I did an address AND that my complete and legal name is n't referenced anywhere!! 
I said so I dispute the reported address and my name and that 's it? NO she replied- I was told I HAD TO CONTACT the creditor and supply them with all my correct contact information!! I said the creditor HAS my correct information as I have mail from them and I have never lived at that address nor had I supplied on a credit application etc. Her reply once again was I needed to contact the creditor!! 
So the attached documents validate that the creditor reporting incorrect information has my REAL information as I have documents from them- see attached- I even supplied who and what business is actually at that address. 
Please see attached Experian Report for their answer to my dispute and documentation. By the way- XXXX XXXX and XXXX a report my current address correctly AND list it as such- Experian does not identify the current address. 
When looking at their Values statements posted on their website and comparing it to the baloney they list as how they collect data and apparently the information was deleted but its still on my report. 
In closing, I find it reprehensible that Experian provides an UNKNOWN combination of information reported by people other than the legal entity that the report is about to SSA, and frankly anyone, this debacle creates stress on me and delays important benefits health, financial and Identity Verification. If you read the Personal Information section and then read their website on their commitments to the integrity of their data and services. Its sounds GREAT! But in actuality it is poor at best and the US Government and Experian are playing the NOT OUR FAULT GAME and pointing fault at each other. 
The simple solution is full disclosure and transparency of the specific details about the information provided, shared and collected and put the ownership of validity on the credit reporters and account providers. not what is in the personal information section. 

Company response: Company chooses not to provide a public response
Consumer complaint: Lustig, Glaser & Wilson have not verified that I owe the debt. I sent out a letter to Lustig, Glaser and Wilson to verify that I owe the debt but they did not respond.They are not even listed on my credit report, however XXXX XXXX is who also is not giving me any information for the debt in question. I am now being sued by Lustig Glaser Wilson for this debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX I played XXXX XXXX XXXX XXXX XXXX. I signed up for a membership there to use the facility aside from tennis and changed my mind. 
Within XXXX hours of signing the contract I brought in a letter expressing my desire to void the contract as I would not be using it as I was no longer going to be playing XXXX at the end of the season. The clerk, XXXX I believe his name was, took the letter and attached it to the contract. 
Here it is XX/XX/XXXX, and I am placed in a collection agency and apparently they were told the contract was signed XX/XX/XXXX. This is absolutely false, the agency does not have a copy of the contract which one representative told me she did and they refuse to verify it. 
They call several times a day and tell me I need to email them a dispute but have yet to give me the address to send my dispute. 
This is adversely effecting my credit file and I need it to be fixed immediately! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was notified of a collection against my account with XXXX. This account has been closed for XXXX months. 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried logging into my account this morning to pay my mortgage for XXXX 2015. I tried on freedommortgage.com, and it would n't let me in so I called customer service, entered my SS Number, and it routed me to a lady who saw all my information, she told me my account was handled through myloancare.com let me connect you. No one answered. I tried to log into XXXX and it would n't let me either. I asked for temporary passwords from each site, each site sent me an email with a temp password, however I still am unable to log into my account. I called Freedom Mortgage back at XXXX this morning and spoke with XXXX, she stated my loan is handled through XXXX go back to them. I tried to explain to her that the XXXX website told me to go back to you - freedom mortgage, she said no, I know it 's confusing because Freedom Mortgage is the parent company to XXXX, but you need to deal with them. Right now I am frustrated with all the lies, and lack of accountability with my account. Is this a SCAM set up this way so I had to pay the {$5.00} extra dollars by phone to pay my mortgage to gain additional revenue? Which I paid by phone calling Freedom Mortgage, so they wont talk to me about my account, they wont let me log into my account, but they will take my money over the phone? I have had issues with both of these entities since day one, I have filed numerous complaints and will continue to do so, until they are held accountable for these outrageous actions and lack of accountability for my loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have recently lost my job. I 'm currently seeking employment. In the mean time I send payments which I can afford every month. Although these payments are not the required monthly payments I send what I can to show good faith. The credit card companies still call me relentless day & night multi times a day. They call on XXXX my land line phone & cell phone, When I try to explain my situation, they hang up. The companies who are harassing me @ this time are1. City Bank XXXX XXXX, Ky. 

2.XXXX XXXX XXXX XXXX XXXX calls are recordings as early as before XXXX as late as XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Our mortgage was transferred to Loan Care when we closed on our home. Loan Care did not accurately project the property tax in our escrow analysis and when taxes were due we did not have enough in the escrow to cover it. Without contacting us, Loan Care advanced the additional amount to pay the taxes and added the shortage into our monthly payment as well as increasing our monthly escrow payment. Our mortgage payment had nearly doubled. The amount of taxes paid turned out to be incorrect. The XXXX had mislabeled our property so we reached out to them and they recalculated our taxes at our request. We received a refund for the overpayment and contacted Loan Care so we could apply the refund to our escrow shortage and adjust our escrow/monthly payment according to the recalculated tax amount. We have applied the refund to our escrow shortage but to date the corrected tax amount for our property has not been updated by Loan Care nor has our escrow/monthly payment been adjusted. We are still paying their increased escrow payment for property taxes that are more than {$1100.00} in excess of the actual tax amount. We have contacted Loan Care for resolution several times over the last few months. None of the customer service representatives at Loan Care have been able to help us, no managers or supervisors are ever available to take our calls and even though we have emailed the requested documentation to their tax department and followed up on that email, we still have not received any communication from anyone who will help us resolve this issue. 

Company response: Company chooses not to provide a public response