AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: the address from California is that of the person who stole my identity 10 years ago. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I was given an automatic upgrade to my Wells Fargo, which had an increase in the rewards program of XXXX points per dollar instead of XXXX, effective XXXX XXXX, 2015. 
I called at the end of XX/XX/XXXX//beginning of XXXX, and a lady confirmed that the increase was correct. 
I get my XXXX statement, no increase. Called again, then told it would take XXXX to XXXX billing cycles. 
I wait for the XXXX statement, still not given credits and I call XXXX/XXXX/15. I am bounced around to find XXXX side of Wells Fargo shows the XXXX points, but the reward side stills only shows XXXX. Told wait another billing cycle. 
XXXX statement, same thing and I call XXXX/XXXX/15, bounced around again, but this time a supervisor says he will send an email to the rewards side and have them call me on either XXXX or XXXX. I receive no call, but instead have to call them on XXXX to still have no resolution of the now {$150.00} worth of credits I have not received. 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced my mortgage with Wells Fargo back in XX/XX/XXXX. They sent me a copy of the satisfaction letter at that time which also goes to XXXX XXXX to show that the mortgage has been satisfied. Wells Fargo sent this information for a property in Minnesota. I found this out while trying to close on the sale of my home back in XX/XX/XXXX. In order to close on the sale, I had to leave money in escrow with the Title company until this gets cleared up. Wells Fargo has been giving us the run-around with no responses, wrong responses. They sent the wrong response twice to XXXX XXXX. I can not seem to get them to understand the gravity of the situation and their lack of timely/correct information is now jeopardizing my ability to close of my new home since my money is tied up in escrow. 
Help please!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed up for a " free '' credit report at the Experion website. I was advised that my credit card would be charged {$1.00}. Next thing I saw on my XXXX statement was a charge for {$21.00}. I contacted Experion yesterday, XXXX/XXXX/2015 and was told that I had signed up for credit services from them. I told them to my knowledge I had not and did n't want the services. They agreed to cancel my membership but refused to refund the {$21.00} they charged on my credit card. I called my Bank ( XXXX XXXX XXXX ) and they advised that due to an agreement they have with Experion they were unable to file a dispute for me. I have since researched this on the Internet and it appears that many other people have been taken in by this " scam ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been getting at least three calls per day from rausch sturm XXXX enerson & hornik. It is a robo-call, and I have no idea what it is in regards to because I filed bankruptcy and it was discharged last year, and I have checked my credit report and not found any accounts in collection. On top of this, I sent a cease and desist letter which included my bankruptcy discharge notice to the " law firm '' which was received by someone there back on XXXX XXXX, 2015. I have still been getting at least three calls per day. I am being harassed. I even had my attorney call and ask them to stop. The person with whom he spoke told him the calls would stop, then I got yet another call just now. I finally called them myself and XXXX XXXX from the XXXX office basically said he thought I was lying about the calls and declined to listen to XXXX of the XXXX+ messages I have saved to my phone from after the firm received my cease and desist. If this is not harassment, I do not know what is. Please hold them accountable! 

Company response: Company chooses not to provide a public response
Consumer complaint: My bank account with bank of America was closed because someone wrote me a bad check. How would I have known that it was a bad check? because of this issue I ca n't no longer open a bank account with any financial institution. This is unfair for the consumer. The person who wrote the bad check should be penalized not the person receiving a check. This is another example of Big Banks XXXX the little consumer as if we have no right. If this issue is not resolved thru consumer protection, I will seek a class law suit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased membership tickets online. When I arrived XXXX in XXXX TX. I was informed by XXXX employeesthat they would not honor the membership since I purchased itto attend the XXXX XXXX TX location. I explained I was notinformed of this and that I thought I could use my membershipany where. The employee stated I only could utilize themembership after I go the designated location of themembership. Therefore, I just paid to get in the park. Thefollowing day attempted to utilize the membership at XXXX XXXX XXXX in XXXX TX. I discovered even if the membershiphad the correct location that is not a part of the membershipagreement. I explained that is the main reason for purchasingthe membership because the advertisement stated it was validat all XXXX including the XXXX XXXX. I emailed andcontacted XXXX membership several times and no one wasable to correct this issue. Therefore, I received a collectionnotice stating I allegedly owe a total of {$1000.00}. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Luna Financial located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX has called me on numerous occassions trying to locate my sister and nephew because they were late on their payment, XXXX XXXX and XXXX XXXX, who have a car loan with them. They were not skip tracing. They would also leave messages on my voicemail. I asked them to stop calling me month after month. They stopped. Today, XXXX XXXX, 2015, I received a call from them again. I told the gentlement not to call and that I had asked them in the past not to call me anymore. He said they were going to continue and call me again next month and hung up on me. I called back to ask for a manager and the same guy answered and said that they were going to continue and call me and hung up on me again. I would like for these phone calls to stop. I am not a message center. I would like my phone number to be removed from their records and for them not to contact me again. 
Thank you. 
XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife and I cancelled our policy with XXXX but they are trying to charge us for another month of coverage after the cancellation went into effect. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I sumbitted a complaint against drivetime reporting againt my credit bureau report inaccurately and they responded back that they would remove their tradeline from my credit report but it is still showing. I have disputed with the bureaus with the letter drivetime provided that they will remove but its still reporting. 

Company response: Company chooses not to provide a public response
Consumer complaint: A short sale was commenced on my property with SPS ( Select Portfolio Servicing ). On XXXX XXXX, 2015, ON XXXX XXXX, the bank come back with a counter for the amount of {$270000.00} because the XXXX came back for this amount I tell her that is ridicules because this property is in bad condition. Also, the principal balance + extra charge is {$210000.00} was ridicules because the bank request a height offer them the payoff for this account. 
. 
My hardship is due to a financial hardship being that I 'm currently unemployed and do n't received unemployment benefits. I just have a baby so I now have XXXX kids to take care of. I has very difficult to live this way. I have made every attempt to salvage my home. I ask that you help to resolve our situation. The bank reviewed my file for a short sale and give to us an " Approval letter on XXXX/XXXX/15 we received the 1st Approval for a XXXX Short sale with the same offer of {$220000.00} then they give XXXX extension, but we can closing the property for a Problems with our bankruptcy and then the bank request submit again the file on XXXX/XXXX/15 because they can not give an XXXX extension on the Approval letter. 

Now the bank Request a higher Counter offer for the amount of $ XXXX.This property is in bed condition, please see attached Home inspection need a lot of repairs. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: All XXXX credit reporting companies do not allow my accessing my report via the website they set up and i do not know why. Please advise. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015, I opened a bank of america checking and savings account after finding a promotion online that offered {$500.00} for customers a ) opening a checking account and savings account with the bank b ) generating deposits of {$20000.00} and c ) setting up direct deposit within the first 2 months. The promotion promised a {$500.00} credit to be received to the checking account within the first 90 days. 

After opening the account, I called within the first 30 days and was told the credit would be received shortly. After 60 days, I was again assured that the credit would be received, but within 90 days. After 90 days, when I called I was finally told that I was not a targeted customer and would not be receiving this credit, however the complaint would be escalated. After the complaint was escalated, I was told I would hear back from Bank of America. After not hearing back, I called again and was told they would re-escalate the complaint, but promised I would hear back within 2 weeks, but could expect a response in 2 business days. Another 3 weeks went past and I did not hear back from Bank of America. I called them today XXXX/XXXX/2015 and was told that the escalated complaint had been rejected but was not provided with a rationale for why I was not contacted. 

Not only did the bank refuse to honor their promotion, they were deceitful twice to me when I waited the promised credit. During the first 90 day wait period, I was assured twice that I would be receiving the credit. It was not until the 90-day lapse period ended that I was informed I would not be receiving the promised credit. After the re-escalation process, I was promised to be contacted with the results, I was not and I was given no explanation for why I was never contacted - it appeared they were hoping I would simply forget about the issue. Their rationale for not honoring the credit was that I was not a targeted customer, which I do not recall from the promotion ( I read all fine print ). I have attached a sample of the promotion I found online, ( this includes the details of the promotion I used, I am not 100 % sure this is the direct link I applied for my account though ), there is no mention of a targeted customer. Keep in mind that the promotion was visible to any person by a simple internet search - so by definition, every person that ran a search was targeted. Again, this rationale was also not provided to me until 90 days after I had set up an account with above the minimum required {$20000.00} and also set up my direct deposit service. I am in disbelief and anger that an institution could be so blatantly deceitful in their banking processes. 

Company response: Company chooses not to provide a public response
Consumer complaint: Disputed XXXX negative items on my credit, XXXX XXXX and Acount XXXX XXXX and outcome was that would deleted from my credit reports with all XXXX credit units. still is reflected on reportAlso a dispute about XXXX and the First Mark XXXX. These car where given to exwife in divorce court, but she will not refinance under her name, but she is pay for them. Need to be removed from credit reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank did not credit bonus Thank You points on purchase in the special category that lists as giving XXXX Thank You points. 

Company response: Company chooses not to provide a public response
Consumer complaint: I keep getting a call every other day. I do n't owe no one from this number any money. No one says anything and then hangs up. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I received a NSF fee for an item even though I had a positive balance on my account after the item was charged. All of the items posted and left me with a positive balance at the end of the business day on XXXX/XXXX/2015, but on XXXX/XXXX/2015 the item was termed and I was charged an NSF fee. My online banking shows no sign that I was ever in the negative- I am attaching a copy of the bank statement. I spoke to XXXX people at the bank today, XXXX of which stated they were supervisors ( XXXX and XXXX ) who all stated that Regions Bank 's back office support is different than what their customers see via online banking. This is extremely disturbing- this ultimately means that the information related to the consumer is incorrect and can result in extra fees unavoidable to the consumer. 

I was advised that pending transactions from XXXX took precedent over all other charges that were posted the same day, even though the pending transactions did not post until XXXX/XXXX/2015. I hope I 've explained my complaint in a way that can be understood- I 'm still perplexed myself at the entire situation. The bank statement will clarify why I feel Regions Bank is acting unlawfully in not presenting all information to their consumers to assist in avoiding extra fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: THIS COMPANY SINCE SUSPICIOUS TO ASSIST ME. THEY FEEL THEY ARE IN A XXXX LIEN POSITION WHEN THEY ARE IN A XXXX LIEN POSITION. THEY REJECTED MY $XXXX OFFER AND COUNTERED WITH $XXXX BECAUSE THEY STATED THE HOME HAS EQUITY, NOR DID THEY CONSIDER THE FINANCIAL HARDSHIP. THEY ALSO REFUSED TO PROVIDE THERE OFFER IN WRITING.
Company response: Company chooses not to provide a public response
Consumer complaint: I keep getting a call from Meridian Financial XXXX. 
I have XXXX debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian, I enclosed XXXX different reports from them, same creditorXXXX- XXXX XXXX account to be removed XXXX XXXX XXXX XXXX XXXX account, XXXX reports, XXXX completely different storiesI thought this creditor would be gone, so glad I checked the report. The American public has no trust in these bureaus to do the right thing when you are not watching them. I did and look what happened, they keep bogus reporting on to sell profiles to make money 

Company response: Company chooses not to provide a public response
Consumer complaint: I had agreed to pay Wells Fargo {$150.00} a month until my account was paid in full. When the account got with in a few XXXX I tried to call and pay it in full. I was not allowed because I did n't know the work number that they had on file since the account was several years old. The customer service people said it was fraud since I could n't give them that piece of information. I then waited for normal monthly payments to come out. It was down to {$42.00} which I mailed a check in for but they debited my account {$150.00}. They overdraw my account and refused to give me the overdraft charged by my bank because this error was my fault. My answer was that how can it be my fault to assume when an account is paid in full I should not have debts come out. So, 30 mins later I had to accept to wait 14 days for my money back and that they would not reimburse me for my mistake of assuming they would n't take extra money. In addition to the lost money and the waiting 2 weeks for my money back I lost an hour from work that I did n't get paid for. Wells Fargo on the other hand made what XXXX B last quarter alone. Please investigate their services. Between the lack of communication, the slowness in applying funds and the over collection I feel they are guilty of other larger discrepancies that break cfpb regulations. 

Company response: Company chooses not to provide a public response
Consumer complaint: My business receives calls from this company multiple times a day. If I decide to pick and actually reach a human ( rather than dead air like 90 % of the time ), I am offered no information, but am informed that the number will be " removed from their list. '' Yet the continue to call. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX inquired about XXXX programs through BAC. It was a constant go around of submitting documents and forms. Many letters with false hopes and disappointment. BAC refinanced loan XXXX changing account number disqualifying my loan for any XXXX programs. I have called XXXX XXXX, HOPE, HUD. without any help. BAC is only interested in foreclosure or short sale. I have been paying on loan since XXXX. I do not want to default on loan. I contracted cfpb XXXX with this compliant. BAC XXXX a correspondence from CFPB. BAC responded with did not rcv paperwork in the past, submit XXXX, eligible for HAMP. I have been down this road too many times XXXX XXXX. BAC has given me the run around without helping me. For years BAC would have me resubmit same documents/paperwork. They offered me a standard refinance. This only cost me more money with the closing cost, and them messing up with my escrow causing penalty fees that has compounded my payments.Also, disqualified me from any federal programs having new account number. BAC was always mentioning foreclosure. This is a scary thought and adding undo stress. I have a thick folder of the BAC request and form letters. It runs in circles going no where. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter dated XXXX/XXXX/15 stating that my credit card with best buy would not renew. They then closed the available credit limit that was available o the card. They stated that my score was too low. On XXXX/XXXX/15, I then went online to pay on the card as I do every month, manually. I found that the company had already paid on my account for XXXX 2015. After looking further into the matter, I found that they had set my account up for recurring payments without my consent. I called the number as listed on the recurring payment made for the month and spoke with XXXX staff ID # XXXX who stated that I called back in XXXX and set up recurring payments. I then told him that I did not. I asked him why they had not been taking the payments if I called and set up recurring payments in XXXX. I further asked him why was I able to make payments manually every on the account if recurring payments had been set up since XXXX. I voiced my concerns about they could have messed up my checking account by taking unauthorized payments from my XXXX account without my consent or knowledge. He apologized and removed the recurring payment feature from my account. I then asked for a confirmation email on this activity of the removal of the recurring payments to which he refused and gave me his staff ID as a reference. I feel violated by their unethical practices. First, they close my card which made my credit score go down and then they took money from my checking account without my consent or knowledge. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are several inaccuracies on my credit report that I thought I clarified with documentation. I had sent, copies of divorce papers, police report and copy of my dl, and the credit reporting agencies still have not updated my accounts. 
Furthermore there were XXXX fraudulent addresses on their reports of places I have never been, accounts I had never opened. They ignored the updates to my file. These errors affect my life, I am on a fixed income and every point in this system, which I am at their mercy to counts by the dollar. I want all of them held accountable for their mistakes. I do not want to lose my house because they do not scour the information like they claim. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid on XXXX/XXXX/2015 to Focus Receivables a collector for XXXX in full {$1000.00}. I have called Focus and they insist I still owe this amount. I have sent Focus a copy of my XXXX XXXX Statement as verification that I used my XXXX XXXX Card to pay this amount on XXXX/XXXX/2015. I have also filed a dispute with XXXX, and Focus still has refused to remove this negative status on my credit report. 
I just do not know what else I can do, pay Focus again??? 
Thank you, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I paid off my daughter 's car loan. The company insisted in splitting the payoff into multiple transactions. The loan was paid off as a cash advance from my credit card company instead of as a credit card transaction as i had been led to believe. It was not explained to me that i would be charged a fee for each transaction. The fees charged by Barclay on my AAdvantage Mastercards totaled {$330.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: BYL is listed on my credit file as an unpaid debt. I have no idea what this is for, and they have never sent me anything. This is unfair collection tactics to just place something on someones credit file without verifying if the debt is valid. I want this removed from my credit file. They are causing me financial harm because I am trying to refinance my home. Their tactics are deceptive by never contacting me before putting something on my file that is not mine. 

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