AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On my credit report these is a collection from " XXXX XXXX '', however I have failed to contact them, I ca n't get a hold of the company, I believe they no longer exists. If they do n't exist anymore and I can not make contact with them, then I want this off my credit report. I have also called and emailed ( XXXX/XXXX/2016 ) Ashmer Collections and they have n't responded to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: in addition to these XXXX complaints I`ve already sent you : 1. # XXXX ; # 2. # XXXX i went into a branch wells fargo branch in XXXX, al the teller`s name was XXXX, she dined me access to her card. she told me that i could not withdraw my remaining balance @ wells fargo in the amount of {$430.00}. this bank is illegally holding my money/funds from me, when i have had no access to swipe thier bank card for over 5 days now! they are illegally holding my funds from me! they also told me they were going to close my bank account & keep my money! thieves! 

Company response: Company chooses not to provide a public response
Consumer complaint: I was approved for a Barclays Master card on XXXX/XXXX/16 with a XXXX credit limit. on XXXX/XXXX/16 I made a payment by money order in the amount of XXXX on my account parital payment. On XXXX/XXXX/16 I went to check my account only to find out that Barclays had closed my account. I call customer service to ask why my account was close and was told that they pulled my credit report and closed my account. That does not make sense since I have just open this account on XXXX/XXXX/16 and just made a payment of XXXX on XXXX/XXXX/16 when my first due date is XXXX/XXXX/16 also they pulled my credit report and approved me. I believe that I am being disccrimated against because I am a minority Barclays bank do not approve many minoritys for credit when you look at there history. They need to be investagted for unfair business practices 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX/XXXX/2015, Citibank customer manager decided to close my Citi Double Cash credit card due to a phone call argument over various bill pay payments that I 've made from outside banks. As a result I 've lost {$330.00} of cashback for this month that they did not honor upon my account closing. To make matters worse, this Citibank manager then made a personal call to close my Citi Premier card out of malice, resulting in XXXX of lost points worth {$530.00}. I believe that my accounts were unjustly closed by Citibank and I was not given the chance to redeem my cashback and point rewards worth well over {$860.00}. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hi on my credit report there are some names that are under my name and I only go by XXXX XXXX XXXX Never XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX something all the names have been reported to the police and opened a report of fraud. Please help me take these names off because it 's messing up my life. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I was looking over my statements and realized Wells Fargo bank charged my account a late fee and a finance fee after the bill was paid in full for the XXXX Statement on my WF Business Credit Card. I contacted them regarding this and a XXXX XXXX ( Employee/Location ID XXXX ) advised that they would not refund the financing charge as it was a violation of the credit agreement which is not the case as this credit card is PAID in full every month. 

Company response: Company chooses not to provide a public response
Consumer complaint: Title Source on behalf of XXXX Bank contacted SLS to obtain a subordination agreement and proof of assignment regarding a secondary mortgage it has on my property. I recently learned that SLS has requested that the subordination document be signed " SLS on behalf of XXXX '' ; however, per Title Source 's title search, there is no record that XXXX is the current holder of the mortgage. Title Source and I have been informed by SLS that it will take 2 to 3 months or more to respond to the request. This timeframe is unacceptable and will likely to result in cancellation of my pending application. As a result of this delay, XXXX Bank has notified me that I will have to pay XXXX point per month to extend the application with a two-month maximum. In addition, if the subordination document is not properly executed, I will have to wait 60 days to reapply at almost certainly a higher interest rate. 
I am extremely concerned about the quality and lack of urgency expressed by the SLS customer service staff that I and Title Source have received to date and would appreciate receiving proof of the XXXX/SLS assignment and completion of the subordination document so that I can close my application and avoid financial penalties. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2014 XXXX gift cards I purchased at Home Depo each for {$500.00} for total of {$1000.00} ended up having a value of {$0.00}. The store told me the cards were used in California after I purchased them. I always had them in my possession and I believe there is big time fraud going on there with gift cards. My research says people maybe even the mgmt of this company gets the numbers on back of cards re inks cards then innocent people like me get ripped off after buying them for gifts. This was on TV news recently which is why I decided to pursue this a year later. These cards should be locked up etcc.. before selling but if Mgmt is involved that wont help ... ... ... I purchased other cards at different home depot and they were fine ... This XXXX store is commiting fraud and they act stupid when its brought to there attention see letter. 

Company response: Company chooses not to provide a public response
Consumer complaint: When making a final payment on a closed account with XXXX, I found out that there was another phone line that was opened up in my name about 2 years ago, XXXX 2013. When I went to Credit Karma to obtain a credit report, and to find if there was any other illegal and unauthorized activity, I found out that there a home and auto loan that was also taken out in my name around the same time. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: This is a continuation of complaint submitted last year XXXX XX/XX/XXXX XXXX Case No : XXXX. 
Lender is again sending threatening letters that they do not have a copy of my insurance policy when in fact they do have on file per conversation XX/XX/XXXX Letter states that must provide proof of insurance within 10 days. Informed lender again that property is fully insured and there is no HOA policy in effect. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I applied for a modification with Wells Fargo. We began making trial payments in XXXX XXXX. Each month, I would overnight a check from my personal checking account ( signature required at delivery ), to the lawyer representing the bank. The amount was deducted within a few days after the check was received by the bank 's lawyer. We were in the trial modification for 6 months when we found out that the modification was approved. My lawyer, my husband, and myself filled out the appropriate forms and attached the binding check. The check that was sent was to be applied to the XXXX XXXX, XXXX payment. I sent all papers and the check via XXXX the same day. The XXXX XXXX, XXXX payment was not deposited or credited to mortgage loan. I sent XXXX XXXX, XXXX payment the following month, and it was credited to the mortgage loan. Every month, the payment was credited to the loan, EXCEPT XXXX XXXX 's payment. I verified this by monitoring which personal checks were being debited from my personal checking account. My lawyer contacted the bank 's lawyer multiple times to question the missing check, but they did not give us an answer. Every month I would receive a notice form Wells Fargo saying that I was delinquent ONE payment. Finally, when the trial payments were finished and the modification was final, I pushed to have the bank lawyer find out where that XXXX XXXX payment was. I was concerned that the check was lost and this would affect my credit, and interest on the missing payment. The activity report that I am attaching to this complaint clearly shows a consistent pattern that each month the payment was deposited to the mortgage account on the XXXX, except for XXXX XXXX. But in XXXX XXXX, 6 months after the check was sent to the bank lawyer, a second payment is credited to the mortgage account in the amount of the XXXX/XXXX/XXXX payment. I verified that it was the missing check. When this was brought to their attention, they agreed to take off the late fees for the months that the mortgage account was behind, even though I made EVERY payment that was asked of me through the entire process. But there are still fees that are assessed to my loan/escrow account and my credit was affected for those 6 months of which I paid on time. If needed, I can supply each month 's check ( copy ), USPS receipt for each check that was sent ( that required a signature upon delivery ), proof of date that each check was deposited, and proof of when each check was deducted from my personal checking account. The XXXX/XXXX/XXXX check was not deposited until 6 months after it was sent. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 'm at my wits end with these credit bureaus! I need help from someone before I get my attorney involved! I have accounts that are being reinserted on my file that were deleted previously. Some of them have been deleted and then reinserted and then deleted and then reinserted, etc. Each time they reinsert, I write to get them removed again. i am a victim of identity theft and all of these accounts were on the police report. I am so tired of this. At no time EVER did they notify me of the reinsertions, therefore, they must be removed solely based off of that! You will find the disputed accounts in the attachments. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Never received email statements from XXXX. Asked repeatedly to be switched back to paper billing. Never happened. Received letter dated XXXX/XXXX/16 to contact XXXX within 30 days of the letter. Received letter dated XXXX/XXXX/16 from collection agency. Called XXXX - they stated account was closed and transferred to collection agency. When asked why I was n't given the 30 days as outlined in the letter, I was told it must just be a cycle thing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wallet was stolen out of my car on XXXX/XXXX/15. I have talked with regions bank several times and am constantly getting no where with this company. I had called again on XXXX/XXXX/15 to talk to soltions department to refile the case. the next day it was denied. I have called several times and no one is willing to do anything at the main office or branch level. This company has STOLEN a total of XXXX in fraudlent charges and XXXX in fees that occured due to these fraudulent transactions. the total being XXXX STOLEN from this account. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/2015 according to First Investors Servicing Corporation I had satisfied the principle lender and paid all the concurrent interest payment that was originally applied to my loan. As statement by one of their representative I was paying off the balance. Through fault of my own because of illness being hospitalized subsequently I have on the principle payment of my loan. the problem is that First Investors is now charging me {$4.00} a day interest payment on the principle balance and I feel that is unfair business practices now I owe {$7000.00} instead of the {$5600.00} I owed XX/XX/2015. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX was reinserted from a previously deleted dispute. This is the second time this has happened. We won our dispute with transition and you keep putting the negative information back on. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: When we moved from XXXX to XXXX, and transferred our service, XXXX charged a {$68.00} equipment fee even though equipment was returned to XXXX. We continued to have XXXX service in XXXX. On several occasions when I called XXXX they said they would waive the {$68.00} fee, but they had apparently turned it over to a collection agency. To date XXXX has not corrected the problem. Poor customer service on XXXX 's part by not following up on their commitment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i had a lot of credit card debt from when i was in school. along with {$12000.00} in student loans. i had to file for bankruptcy because they garnished my wages and could barely make it, paying my rent late every month. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a bank account closed on XXXX XXXX 2015 and I was not notified. As to this day I have no idea why the account was closed or what the issue was. Due to this action by US bank my car, credit cards and utility bills have all not been made and have effected my credit score. The account in questions XXXX The account had no actions on it for a week and had no negative balance. This account that was closed was a direct deposit account for my paycheck. This amount was not taken into US bank and at this point I have not received my wages. US bank has also charged me overly for late and over draft fees for over six years. I have continued to ask for explanation on this and have received none. US bank can not just closed a account without notices to the customer a give them ample chance to change information so wages and bills are not unfairly effected. I have a family and each of my paycheck is needed for housing and food. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX sent XXXX items ( broken coffee cup ... XXXX pendant ) to our address. WE DID NOT PLACE ORDER for these items. They continued to harass us with letters and then sent after one year to collection agency Sunrise Credit Services. We did not order these items..they can not prove it.. and need to show us written proof which I know they ca n't. They continue to harass and threaten. Amt. is for {$64.00}. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a savings account denominated in XXXX at Bank of China. They charge above market rates ( almost 1 %! ) to convert from USD to CNY and vice versa, and I already paid that premium to get in. Now I would like to get out, but I do not want to pay their excessive bid-ask spread. Since they are not willing to give the fair market rate, I would like to move my money to a broker ( e.g. Interactive Brokers ), where I can trade at the fair market rate. 

I thought of XXXX solutions : 1 ) They let me wire my XXXX there, or 2 ) They let we withdraw it as cash/check so I can deposit it there. However, the branch employees tell me I need to convert to USD first before wiring, and that the physical withdrawal limit is very small per day ( it would take me half a year to withdraw my savings ). Basically, they want to force me to pay their excessive spread on the currency rate. 

It does not seem legal to me to prevent me from transferring/withdrawing my own money how I see fit. I understand money laundering concerns, but they can do as much background check on me as they like, and see that I am clean. It seems to me I should be able to withdraw my money in any form and quantity I want. Thanks. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I contacted by XXXX XXXX regarding an XXXX account balance that I disputed with XXXX, this past XXXX 2015. I had previously made a partial payment to RGE days before I was contacted by XXXX XXXX. When I spoke to the customer service rep at XXXX XXXX, I gave them all the information to debit my checking account for the remaining balance. I was told that they would first have to verify with RGE of the amount that I had already paid, and it might take as long as 30 days to confirm. They would then debit my account for the balance. I questioned whether the collection information would appear on my credit report, and she assured me that it would not, because I was making a payment within 30 days of them receiving the account. About a month or a little more later, I received another call from XXXX XXXX stating that they needed me to authorize another debit from my checking account. I explained that I had previously authorized a debit a month or so with another rep from the very same company, I was told that because I authorized an amount {$.00} more than I actually owed, that I would need to authorize the new balance. I expressed my frustration at not receiving a phone call sooner to let me know of the new issue with debiting my account. I spoke to a supervisor, who assured me the following day that he had received approval to remove the collection activity from my credit report because it was an error on their part. I was told that the company would send the request through XXXX, the same system used to place the collection activity, to have the activity removed. A month or so later, the collection activity was still on my credit report. I called back, spoke to another supervisor, who not only confirmed that a removal request was sent through XXXX, but he also gave me a letter explaining that my account had a XXXX balance to be given to my mortgage company. I called back a few weeks later to complain to the same supervisors I have previously spoken to, about the collection activity negatively affecting my mortgage rate. Again, I was assured that the information was re-sent to XXXX, and I was told to file complaints with each of the credit bureaus, which I did. I 've filed requests for investigations with each of the credit bureaus twice, but so far only XXXX has removed the negative collection activity from my report. XXXX and TransUnion continue to report the collection activity on my credit report, even after I faxed and mailed a copy of the letter ( on company stationary ) I received from one of the supervisor stating that my account was paid off and that they collection activity had been deleted from my credit report. Although I submitted this letter to my mortgage company, I still was unable to qualify for the lower interest rate that I was promised when I was first qualified. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Harris and Harris LTD has called our phone to collect debt ( s ) that are not ours. I re-registered this number on the national do-not-call list in XXXX 2015 after speaking with H & H rep who was trying to reach XXXX XXXX XXXX. They continued to call, despite my repeated explanations that we are not either of the XXXX and that this phone number will never reach either XXXX. We try to ignore these messages, but they have gone beyond annoying. Another call came through today, so I called them back. Spoke with XXXX, who said that he has deleted our number from their records. I informed XXXX that he is just the latest in a long line of reps promising the same thing. He informed me that there 's nothing else he can do... then suggested i register on the do-not-call list. Sigh. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: this account is a result of my identity being stolen I havnt authorized the use of my personal information regarding this account # fior ars account resolution # XXXX this is being fraudulently reported to the credit bureus and being held by your company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a pre-paid debit card through XXXX issued by US Bank National Association out of XXXX. XXXX processed a refund in the amount of {$490.00} on XXXX/XXXX/2016 at XXXX. It immediately appeared as complete in my online account and mobile app balance. When I call the account information line it notes my available balance as {$490.00}. There is even a debit of {$27.00} made on my account on XXXX/XXXX/2016 on XXXX AFTER the credit leaving me with a balance of {$490.00}. Yet I can not use my card to make purchases or pay bills. I called the customer information line twice and was told both times that it can take 24-72 hours for a refund to appear on my account because they put a block on it to guard against fraud. This does n't happen if I return an item at XXXX - the funds are instantly available and this is no different than any other electronic transaction. I asked when I would know when I could access those funds and I was told by both representatives that I should try to make a purchase and see if it will go through. so as I understand it I am supposed to take goods to a counter and present a card to see if I will suffer the embarrasment of it being declined jsut to see if my finds are available to me yet, even though everythig I see and hear tells me they are available. This is copied directly from my online statement : Card # XXXX Balance {$490.00} Rewards PointsUnavailable Last Login XXXX/XXXX/2016 XXXX CST Card Information Card Activity Statement Change PIN Card to Card Transfer Recharge Your Card Mobile Alerts Direct Deposit Form Pay Bills Card Activity " RP '' indicates Recurring Payments TimeCard No.Description/MerchantStatusAmountBalance XXXX/XXXX/2016 XXXX VISA PURCHASE XXXX # XXXX, XXXX Complete- {$27.00} {$490.00} XXXX/XXXX/2016 XXXX PURCHASE REFUND XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complete {$490.00} {$520.00} 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Upon getting my credit report, I noted an address of XXXX XXXX XXXX XXXX IL on there with a possible loan/store credit card and possibly more obtained/attempted and possibly Utilities use connection using MY NAME. This address is/was my ex-husband and his new wife XXXX XXXX XXXX XXXX and XXXX XXXX. They have tried this before in getting cell phones. I would like more information on what/who they used my info for and what I can do about it Please. These were noted on my Transunion credit report and I am unable to get my XXXX XXXX right away because it shows accounts I do not recognize on there. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I wrote TransUnion on XXXX XXXX to dispute an incorrect address on my TransUnion credit report and they seem to be ignoring me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I filed a disputed with my credit card company who did n't take same size against the consumer company and let them take {$41000.00} from my account. every time, I contact my bank and the company. I did n't get any result. The company make me an offer to give me back only 10 % on the amount they took from me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response