AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Five years ago I went to Wells Fargo to get a CD for {$5000.00} for five years for 1/2 % interest. Last week was the five-year maturity date, I went to the bank to cash it out and was told that Wells Fargo gave me the wrong product five years ago. I did n't know this at the time, that the product I was given was not the product I asked for. The manager explained that usually when people come in and ask for a CD, it 's because their accountant told them to get a retirement account. Wells Fargo thought that 's what I was asking for. Five years ago, the Wells Fargo banker was n't listening to me and gave me the wrong product? I do n't have enough knowledge to know it was the wrong product. I ask for a {$5000.00} cd at 1/2 % interest for five years and Wells Fargo gives me the paperwork to sign, which I do, not understanding the difference between what I asked for and a retirement CD. 

This morning a manager from Wells Fargo Branch in XXXX XXXX, CA on XXXX and XXXX XXXX XXXX. ( where this deal originated ) to let me know that because I signed their paperwork, there is nothing they can do to remedy this situation. So Wells Fargo got my {$5000.00} for five years and I 'm told that not only will I not get the $ XXXX interest I thought I earned, but I will be penalized for taking the money out " early '' when I turn XXXX years old in XXXX ( have to wait until XXXX or I 'll be penalized even more! ) I will get less than my initial {$5000.00}, because 11 % will be deducted to pay state and federal taxes or fees or whatever you want to call my hard earned money that I get to give away. Wells Fargo benefits from keeping my money for five years without having to pay me anything and the government gets their fees, and I get to pay both of them for my trouble. 

These too big to fail banks are getting away with too much, they need to be broken up. Why is it that they can launder drug money ( Wells Fargo bought Wachovia ), crash the economy in 2008 by selling loans to people who could n't repay them, take billions in taxpayer money to recoup their losses, pay lobbyists to weaken the new legislation trying to rein them in, and steal money from people like me who have no leverage make them to do what is right and correct their mistakes - with no negative consequences for the banks? 

I used to work as a XXXX. When my clients were about to sign disclosures and contracts, I sat down with them and reviewed each paragraph to make sure they understood what they were signing, I had a fiduciary responsibility to do so and I took that responsibility very seriously. Wells Fargo should have taken the time to review with me what I was signing to make sure I was getting what I asked for. I hope you can help me. Thank you. PS : I 'm voting for XXXX XXXX because he 'll work to break up these banks, they are doing so much harm to all us and our economy. 

Company response: Company chooses not to provide a public response
Consumer complaint: Upon receiving a notification of an attempt to collect this debt ( which is invalid ), I wrote a letter within the 30 day time period to the collector ( Central Credit Services LLC ) and sent it certified mail to confirm receipt to indicate this debt was not valid, including that I had detailed notes of my conversations with the original creditor. Within the letter sent to me, it clearly states the following : " If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. '' Months later after never receiving any notification, I noticed when doing a refinance of my mortgage that the collections company had reported this debt to my credit report. When I contacted them to ask about this, the first individual acknowledged that they should have sent me a letter and that it should not have been reported based on that letter. The manager ( XXXX XXXX ) then stated that it was done properly, and that despite the fact that the letter clearly states that " their office '' will furnish a copy of that letter to me, that it was the creditor 's responsibility. I never received any notifications from either, but the main point for purposes of this case is that the debt collector is ultimately responsible for providing that copy in accordance with their letter ( and I presume legally ), and they did not. This complaint is being filed due to the amount of time and energy I have had to spend fighting this inaccurate collection and their violation of procedure, with the net result being the damage to my credit rating. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We moved on XX/XX/2015. Connecticut XXXX XXXX ( XXXX ) erroneously applied payments for the gas account of our new home to the gas account of our former home. In XX/XX/XXXX we received a bill that our account was past due despite our making payments in full. When I called XXXX to find out what was going on, they realized they applied our payments to our old house 's account, not to the new house 's account. XXXX reversed the late charges and applied the payments to our new home 's account, and we actually ended up with a credit on our new account. The XX/XX/2015 statement I shared with Experian shows payments in full in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a reversal of the late charges, and even a balance on our account as we overpaid the bill. Experian refuses to remove the 60 day late flag from my account, despite the fact that my payment was never late. XXXX received my payment on time, they just applied it to the wrong account. Attached is the XXXX statement showing a balance of {$17.00}, due XX/XX/2015. ( Paid XX/XX/2015 ). The XX/XX/2015 statement shows a {$120.00} balance, due XX/XX/2015 ( Paid XX/XX/2015 ). The XX/XX/2015 statement shows a {$160.00} balance ( Paid with credits from our old account ). When I called XXXX on XX/XX/2015, they realized they had applied our payments to the old account. The XX/XX/XXXX statement reflects payments of {$76.00} on XX/XX/2015, {$120.00} on XX/XX/2015 and {$34.00} on XX/XX/2015. Based on the payments applied to the wrong account, it is clear we made our payments on time, and the error lies with XXXX. Experian refuses to remove the 60 day late flag from my account, despite the evidence showing we were never late. 

Company response: Company chooses not to provide a public response
Consumer complaint: To CFBP, I have been a loyal customer of Wells Fargo since XX/XX/XXXX. I am currently going through the process of fraudulent unauthorized transactions that I did not make. During this process, Wells Fargo cancelled my account and has created a new account ( cut up my card, and will send me a new one within 10 days, gave me a new checking account #, and closed my old account as of XX/XX/XXXX ). I am okay with all of that ( for my protection ). However, In my checking account, I had approximately {$480.00} in my checking account. I was n't able to see this activity online, because they cancelled my online username and password without telling me. I called XXXX this past week and they told me to go into a WF branch to show 1 ID and was asked that a WF banker call a WF # and it would be taken care of. I went to the WF bank in XXXX XXXX XXXX, UT at XXXX this last Monday or Tuesday. Was there 30 minutes and the banker told me that the WF system was down. Told me to come back later. I do n't have a vehicle, so this was a huge inconvenience ( I 'm on Social Security XXXX ). I went to a branch on XXXX in XXXX XXXX XXXX on XX/XX/XXXX. The banker pulled up my account. The female banker said I was - {$63.00}. Was shocked. I had at least over {$400.00} in my checking account. The banker could n't figure why this happened either. So, she called the WF number, gave WF my information. Long story short, the female banker on the phone explained why I was minus ( made no sense to me ). She talked in " lawyer '' talk, I had no idea what she was talking about no matter how she explained it. I kept saying, " But where is my money? MY MONEY? '' She said it had to do with my disputes over the unauthrorized charges. MY MONEY in my checking had nothing to do with this. I receive {$740.00} from Social Security per month. That {$400.00} or more IS MY money ... .not WF. WF ca n't take money away from me or Social Security. Magically the banker on the phone dismissed the negative {$63.00}, and put it to XXXX. No idea how she did that ... .but where was/is my {$400.00} or so? So, WF is going to leave a XXXX person with NO FOOD money for all of the rest of XXXX. That social security money is all that I have. WF did n't mention that or seem to care that I had XXXX money. I feel that WF stole my money and money from social security. I want WF to put MY money back into my account. I want an apology. And, I want restitution for emotional damages and not being able to sustain myself with NO food. I was extremley lucky that I got my medications for my illness earlier in the morning. If later, I would have had to driven to the XXXX XXXX and admitted myself to the psychiatric hospital ( the medications are a life-savers for me ). WF does n't seem to care about loyal customers ( 24 years ). I have NO money ... am starving with no money for food. Their certiain actions do n't seem ethical. WF ... WHERE IS MY {$480.00}??? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Twice now I have disputed through Experian with supporting documentation and the receipt showing the judgement was paid and they still are reporting it as open and unpaid not satisfied. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX of 2014 I received several letters stating that a debt I had with XXXX went to collections. I have no accounts with XXXX so I called the number on the letter which was a debt collector. They culd find no record of it and could offer no info. I sent a certified letter explaining the situation and asked them to stop contacting me. It never showed up on my credit and I never heard from them again so I thought it was resolved. I recently applied for a HELOC and this debt showed up. I called XXXX which had no record of the account and referred me to their identity theft dept. Unfortunately I work the hours that they are open. I then called XXXX XXXX and they told me to call the debt collector and request proof. I have called them over a dozen times. I just get an answering service that asks me to leave a message, which I did. I have tried to research this company online and can find no info on them except complaints. They have no website. I am unable to clear this up and am certain that this is not my debt. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I bought XXXX {$500.00} gift cards at XXXX, XXXX, CA on XXXX XXXX, 2016 for my friend as wedding gift. But when I open it I noticed that the cards looked weird. so I tried to use XXXX of them at gas station. It was not reading. Then I tried all three of them at XXXX for test, it turned out none of them working. I called customer service right away, the rep asked me to make a copy and fax to them. I do not feel comfortable, so yesterday, XXXX XXXX, 2016, when I checked balances, all of them are less than {$1.00}. All my XXXX cards are hacked. I lost {$1500.00}. when I XXXX USbank gift card hacked, I was shocked that tons of people reported. I am confident that either US bank are selling fake gift cards at XXXX 's ( I XXXX I am not the only XXXX, there are tons of victims ) or the employee in US banks selling informations to hackers. I want all my money back including fees ( {$1500.00} ). 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Please see the attachment and cover letter for the CFPB. As a description this case involves a debt collector and account debtor consistently refusing to comply with consumer Creditor laws. Enclosed are several communications from and to the debt collectors. The debt collectors which include a attorney firm moonlighting as counsel for the account debtors are threatening illegal seizure to the Consumers Private Personal Property obtained for personal, family, or household purposes, which can not be seized at any point, especially a debt collector. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been disputing fraud charges with both Regions Bank and XXXX since I found out about the charges on Saturday, XXXX XXXX, XXXX and Regions Bank has denied replacing my funds because the initial charge took place on XXXX XXXX, XXXX. The dates of the charges range from XXXX XXXX, XXXX to XXXX XXXX, XXXX. The dispute forms for the charges were received on Monday, XXXX XXXX, XXXX and faxed back to Regions on XX/XX/XXXX with additional dispute forms that had to be faxed to me and completed as well. I faxed exactly XXXX pages on Tuesday, XXXX XXXX. According to Regions ( the dispute response letter that I received dated XXXX XXXX, XXXX from XXXX XXXX - Consumer Support XXXX ), I will not have my funds replaced ( ranging from $ XXXX {$210.00} ) because the initial charge was reported outside of the billing statement, however, a {$36.00} overdraft fee was refunded to my account on XXXX/XXXX/XXXX as a courtesy. As long as I banked with Regions Bank, my account was never over drafted until this issue occurred. It was not until after the fact ( Wednesday, XXXX XXXX, XXXX ) that Regions Representatives advised of enrolling in the online billing statements. It bothers me because the larger charges took place within the billing statement time frame and they will not replace it. All they did was give XXXX credits of {$26.00} and the larger charges basically threw them out when those took place within the 60 day statement period. I wrote the president of Regions Bank and have yet to get a response. I 've reported this information to the XXXX and all I am getting is back and forth excuses between Regions and XXXX as to why my funds wo n't be returned to me. The individual that stole my bank card information resides in XXXX and I have been a XXXX resident for over 20 years and has never travelled to XXXX in my adult years, nor since banking with Regions. I opened my Bank account XXXX/XXXX/XXXX and thought this was a solid banking institution that I could trust and remain with for a long period, however, due to recent events, I am incorrect. I feel as though Regions do not care about their customers like it is advertised. There should be no reason as to why it has or is taking well over two months to resolve this matter. I have provided all required information to both Regions Bank and XXXX and I 'm still at a dead end. No one wants to help. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I believe they over charge on my bill statement ... I pay every month but they still charge me for late charge ... I paid extra for my insurance every month but now they still bill me .... 
My payment used to $ XXXX/month ... .now I have to paid $ XXXX/month just for extra insurance, but i 'm ok with that until now ..they just sent me a note of default and intent to accelerate {$2100.00} have to due before XXXX XXXX 2016 .... I do n't know what that for? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I purchased a bed from XXXX XXXX ( financed through GECB ) in 2012. I applied for the loan in the store and was approved for {$3000.00}. This was a promotional loan, i.e. 24 months interest free for 24 months. Upon being approved, the salesperson told me what the monthly payments were to be. GECB then became Synchrony. I requested from Synchrony a copy of my application and the terms of the loan, but they have informed me that since my application was taken " electronically '', a paper copy is not available. 
I received a bill monthly and paid what it indicated was the " total minimum payment due. '' At the end of the 24 months, as I had not paid the full amount, I was hit with the back interest, which increased my balance from {$1900.00} to {$3700.00}. 
My complaint is multi-faceted, but boils down to the fact that I feel this type is lending is a trap. First of all, there is no way for me to check and see if I was informed that I needed to make 24 equal payments in a certain amount in order to benefit from the 0 % interest deal, as Synchrony is not able to provide me with my loan agreement. Secondly, GECB/Synchrony did not make it plain on my monthly statement what I needed to pay in order to take advantage of the deal. I assumed, stupidly I admit, that the minimum amount they listed was adequate to take advantage of the financing. The statements all say, " If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. '' They provide the date and the balance, but nowhere in the statement does it tell me what my payment needed to be in order to avoid the application of all the interest at the end of 2 years. 
I have recently heard on television/radio merchants such as XXXX XXXX XXXX now make clear that the special financing requires equal minimum payments, which leads me to believe that I am not the first person with this issue. 
I am now facing a balance of {$3000.00} w/ a 29.99 % interest rate. I believe that this is the goal of these finance companies - to not fully-inform consumers up front what the equal payments need to be, so that they can rake in HUGE profits. If I had been informed in my monthly statements what I needed to pay in order to avoid the full amount, I would have paid that amount. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This complaint is in regards to Square Two Financial. Refer to CFPB case number XXXX regarding CACH, L. L. C. Square Two Financial has utilized my entire social security number to include date of birth on the pfd document listed with this complaint. The initial complaint was with CACH, L. L. C. and not Square Two Financial. This is in breach of the following : 1. Identity Theft Assumption and Deterrence Act of XXXX 2. Privacy Act of XXXX XXXX. Social Security XXXX 4. XXXX Privacy Act-which carries a maximum XXXX fine for each calendar cap year. 
5. Breach of Title XXXX, XXXX XXXX XXXX XXXX under XXXX and XXXX The solution is to have CACH, L.L.C handle this correction and not Square Two Financial. Two Square Financial submitted the XXXX XXXX XXXX with their subscriber name on the form listed on CFPB case # XXXX they are rendered liable in this matter. In addition, there is an account number associated with this Universal Data Form and they could use that account number instead of a SSN and DOB which is against XXXX XXXX XXXX This is also includes removal of the XXXX XXXX Form off of CFPB case # XXXX listed as a pdf document attached to this case number. Square Two Financial was contacted at XXXXXXXXXXXX as of XXXX/XXXX/XXXX by e-mail in regards to this matter. In addition, all of my information is not for sale and distribution via fax, fax-scanned, copied, stored in a retrieval system, recorded, transmitted digitally or electronically without my expressed written consent. This information is protected under copyright and publishing laws of XXXX XXXX and XXXX XXXX. This information is protected under the XXXX XXXX XXXX XXXX XXXX under the freedom of speech under XXXX XXXX XXXX to include the Uniform Commercial Codes XXXX and XXXX. These rights are reserved world wide. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been yrying to aell a house and pay XXXX to Wells Fargo to pay off the HELoC. The titltle company and i have been calling them daily for a week. We have received XXXX differemt fax numbers to send the authorization and release to. As of today, they can not verify they have have received the authorization. And wont talk with my loan closer on the phone unless I am on the phone. They also refuse to send a payoff quote so that we can finalize. They also refuse to let me take an aithorization to another branch office. As a result, te biyer may cancel the contract and we could suffer financial penalties. 

Company response: Company chooses not to provide a public response
Consumer complaint: this is a case that the company responded to but im resubmited it again due to their response, i left the apartment in a good standing regardless off what happened, i decided to pay them {$700.00}, it mean i want be able to get anything back from 2 of my tires.they refused and want me to pay {$1200.00} which is the whole amount the collection put in my report and one thing i didnt like is they still calling that a settlement.the first payment of {$700.00} suppose to be paid the XX/XX/XXXX.i want a fair resolution of this case 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After several low quotes for car financing, I decided to research my credit ( freeannualcreditreport.com or something like that ) and saw that my information has been merged with that of my father. He is XXXX XXXX XXXX, I am XXXX XXXX XXXX, same current address but obviously different date of birth and SS #. On the website I was able to see this and dispute it with XXXX reporter ( XXXX ) and not the other XXXX ( Transunion and XXXX ) due to failing the initial security questions which all used my father 's banking history. At present I have recieved some confirmation from Experian that negative information has been removed and have yet to make positive contact with Transunion & XXXX. Do I have to do this with every info provider? Will it update the other XXXX once I have done it on XXXX? Young married couple in desperate need of financing. Thank You. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a credit card with US Bank for two years. On XXXX XXXX, XXXX I changed checking accounts, and updated my online autopay settings with US Bank to reflect my new account number. For some reason the US Bank website did not register this change. On XXXX XXXX I realized that US Bank had not realized that US Bank had not registered the change, and that my account was overdue. After numerous conversations with customer service representatives, I was assured autopay was successfully set up. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, that my account was past due despite having set up autopay a mouth earlier. After numerous conversations with customer service representatives I was informed the autopay can take " XXXX to XXXX cycles '' to take effect. I was not informed of this during the initial setup of autopay. While I specifically asked for confirmation for autopay, which US Bank apparently does not provide. 

US Bank has reported a late payment on my credit report, which I have attempted to have removed. As of now US Bank has not done so. 

Thank you for your help regarding this issue. 

Company response: Company chooses not to provide a public response