AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am including documents showing my current credit scores, according to Equifax XXXX credit bureaus credit reports and scores, this is simply unfair, that XXXX XXXX still reports my XXXX I still have with them as a negative account, and there is also another problem at my job they simply do n't care, and having all the evidence showing this is unfair, as the complaint number shown above here at C.F.P.B. shows, there is no need to write a lot here, just to show how this looks at the credit bureaus today, Wednesday, XX/XX/XXXX, XXXX Complaint submitted at XXXX XXXX today, evidence included here. No matter it appears written that consumer disputes the account, that does not change the fact, the credit reports are not showing any evidence about why the dispute still exists, and the negative account is just as negative, and unfair in this case, that the credit report still appears affected, and, I am not able to pay now for the F.I.C.O version of XXXX XXXX, the XXXX used by banks most of the time, next XXXX XXXX to XX/XX/XXXX, the investigator at the U.S. Equal Employment Opportunity Commission said they should receive the first response from the local Department of Education, where I am suppose to be working and I am not, complaint at the E.E.O.C. is number XXXX, and there was no response from the local Dept. of Education since last XX/XX/XXXX, when this complaint at the E.E.O.C. was submitted, so is not only XXXX XXXX the problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX my home was damaged by water due to a leak in the hot water heater. The insurance company came out and did their estimate and paid the claim. Wells Fargo is refusing to endorse the last payment of {$2600.00} for me to finish the work on the house. Stating they need a inspection done on the house. This has Taken over 2 months to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: Visa gift card scam. 

Company response: Company chooses not to provide a public response
Consumer complaint: While I asked questions regarding to my mortgage and checking accounts on the phone with Wells Fargo, they promo their " Rewards '' credit card and I got transferred to application dept. 

After I applied the credit card over the phone, I never received the credit card. One day, I saw there are a balance of XXXX {$7600.00} on my credit card account ( which I never received, activated or used ). I called there representative and they filed the claim to their Fraud dept. and update my new address and also cancelled the old card and send me a new one. 

After a week, I got the new card but I do not want to activate it until the problem resolved. So I checked online and saw the balance of XXXX {$7600.00} still there. I called their Fraud dept. and found out they denied the claim and they said I was using " Home '' ( fake ) phone number XXXX to activate the credit card ... I told them that is not my phone number. They said that what they have on file and ask me to resubmit a claim through another department called " Reconsideration '' dept. That take another 10 days to allow Fraud dept. to work on a new investigation, they suggest me to pay the balance. I feel very frustrated to deal with their depts .... 

Company response: Company chooses not to provide a public response
Consumer complaint: looking at my second mortgage and I feel it is not legal. on XX/XX/XXXX i obtained a second mortgage " from a friend that was a broker ''. It is from specialized specialized loan servicing in highlands ranch co. the payments are {$330.00} with {$24.00} going to the principal the annual percentage rate is 14.069 % with a balloon payment due XX/XX/XXXX of {$25000.00} finance charge is {$57000.00} the amount financed is {$28000.00} total payments {$85000.00} with a balance due as of today of {$27000.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo is refusing to honor their letter stating that the XXXX % threshold to drop PMI was met. I used their appraisal company to appraise my home which cam is at XXXX % PMI. After they charged {$400.00} for the appraisal they sent a " new '' letter saying the entire increase in the value of the home must be due to structural improvements. When we proved this was the case they stated the value must be the cost of stuctural improvements not the increase in value due to the improvements. This was never made clear as they gave me the initial requirements. I called and spoke to several reps before beong escalated to the top team members who not only refused to drop PMI but would n't even refund the appraisal portion of my inquiry. This was downright misleading from the beginning and an increase in revenue for them as I followed their letter to the the T and nothing was changed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a citi card i never mis a payment. Until. XXXX. ot 2015. They close. My acount for return check. They keep electronic depicting. My bank account. even after i called and told then i had a family emergency.plus they never gave me a credit. Increase. Can you please look into this.thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have mortgage with wells Fargo with account # XXXX. My first payment {$3200.00} was due on XXXX/XXXX/2015, while I paid the full payment on XXXX. However Wells Fargo repeated charge to my Wells Fargo checking account for XXXX payment due to a scheduled payment on XXXX of every month during loan application. Of course, there was n't enough fund since the fund went to them already. So Wells Fargo charged me {$20.00} ( called Wells Fargo and they refused to refund to me ) for return fee on my mortgage account, charged {$35.00} ( they reversed already ) on my checking account as insufficient funds fee. The question is why did Wells Fargo kept charging me on my account after they received the XXXX payment already! All these penalty of fees is only because I paid my payment two days ahead of schedule! 

Company response: Company chooses not to provide a public response
Consumer complaint: I am XXXX XXXX XXXX XXXX a XXXX in the private sector and XXXX at the XXXX in XXXX XXXX California. I am a XXXX for the XXXX. Six years ago I asked both the Bank of America and XXXX XXXX for a loan to finance XXXX XXXX to help with the Affordable Care Act. Both banks denied the loan several times. We asked these banks because we have accounts with them and the Bank of America held the mortgage until they sold it to XXXX. In 2014 we obtained a Mortgage Modification and now have a subordinate loan to HUD for XXXX. The Bank of America broke the law by hiding our monthly payments and giving false information to the Credit Bureau. They put the lien on our property and made it impossible for us to use the equity in our home to get a loan. I need urgent help to survive this injustice initiated by the Bank of America and now continued by HUD. 

Company response: Company chooses not to provide a public response
Consumer complaint: Summit Receivables say I owe them money from a charged off loan XXXX. This is not true as I contacted XXXX who gave me the name of the company they sent my loan to and said they have never heard of Summit Receivables. They are trying to scam me for {$4600.00}. 
This company keeps calling me work and cell number and speaking to me very disrespectfully. This has happened for over 2 weeks They say I owe XXXX {$4600.00}. I contacted XXXX and recieved my formal letter in writing that they turned my information over XXXX and they do not know who these people are and to not give them any information. I sent this company an email XXXX showing that they do not know who his company is and they are a scam. The Scam company Summit Receivables are still calling me and trying to use scare tactics. This is very upsetting and I need them to leave me alone and stop trying to get money from me that I do not owe to them. This company has very hateful people working there. Since I work XXXX and my information was hacked along with XXXX other employees since XXXX did not take care of us, out information is out there for everyone. Please help me and get this fixed. There are so many people going through the same issue and these people need to be taken off the streets and stop trying to scam innocent people. I will be paying my XXXX account through XXXX XXXX, the actual legitimate company. They send emails that are rude and they send fake documents. Again XXXX said they do not know who this company is and I should not be speaking with them. SO they have my personal information and trying to get money to use for themselves. They even asked '' Were y0u even intending on paying this back so you are that type of person? that is so rude. They yelled at me and said you pay us all or nothing. I have seen several emails from consumers saying not to trust them. They called my office left a message saying the payment I made was returned by my bank. I never made them a payment. I had to close my account an few months ago because some scammers were trying to get into my bank account. Thee may be the same people. Nothing was done about it because the addresses and numbers they gave were all fake. This however they have an email address, address and phone number. 


XXXX : XXXX Telephone XXXX Fax XXXX Email XXXXXXXXXXXX Mailing Address Summit Receivables XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX SUMMIT RECEIVABLES, XXXX XXXX XXXX Name GMA INVESTMENTS , LLC Filing XXXX Document Number XXXX FEI/EIN Number XXXX Date Filed XXXX/XXXX/2014 State NV ( Under the name GMA Investments Nevada XXXX XXXX XXXX ) Status ACTIVE Principal Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Registered Agent Name & Address XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Person ( XXXX ) Detail Name & Address Title XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Approximately 12 years ago I had an outstanding debt with XXXX. The total debt was less than {$4000.00}. It remained on my credit report and the day before it was due to come off my credit report, I received notification from Pressler & Pressler that they had purchased the debt which was then over {$7000.00} after they tacked on interest, fees and court costs. I filed an answer to their court documents and we made a payment arrangement of $ 100 monthly. That continued for approximately 2-3 years. I paid more than the original amount owed. Per my conversation with them today they were aware of my new address. I received no correspondence from them since 2013, nothing requesting payment, at all. I assumed since I had received nothing, the debt had been satisfied. Friday I received my paycheck and it was garnished for {$200.00}, XXXX % of my income. I was not made aware of this beforehand, just 2 years later, out of the blue, they take my money. They are saying I still owe over {$4100.00}. This is robbery. I have checked online and they have had numerous complaints and suits filed against them for these unethical practices. Why should I have to pay double for a debt that was never owed to them in the first place. The money is not even going to the original debtor. This should be against the law. I am the only source of income for my household and I am already struggling. With them taking {$400.00} a month from my pay I can not pay my rent. They had ample time to contact me in reference to this debt and nothing for two years. I realize not that this was intentional. If the3re is any way possible to stop this garnishment, that is the objective, even if it means going back in front of a judge. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: well, i cash my income tex check with XXXX XXXX in 2008 i put the sum of XXXX dollars a cuple weeks after with XXXX XXXX and netspend was the card holder at that time, well i was told that the card would be sent to the address i was staying at, well i ended up moving before the card came, so i went to the place where i was staying at and talk to one of the guys who work there and he said that a card came but he sent it back to the sender where the card came from. so i went to the place where i put my money at and they told me that they didnt have any paper work on or about my money or anything showing about what or how much money i put in that i would have to talk to netspend, well i talk to netspend and they lie, d about every thing, i know what i did and how much money they owe me, and if i dont get my money real soon im going to sue them i talk to my lawyer yester day. thank you XXXX XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My husband, has his own XXXX and his business account is through Wells Fargo. XXXX of his tenants was behind several months on rent and allegedly stole XXXX her grandmothers Wells Fargo convenience checks to pay her past due amount of {$2500.00}. My husband deposited this amount into his Wells Fargo Business account when it was received. He paid the owners of the property for the amount of {$2500.00}. In XXXX this amount was deducted by Wells Fargo from his business account because the grandmother claimed fraud on this convenience check that was written to my husbands XXXX company by her granddaughter. I do not understand that after a check " clears '' that Wells Fargo is able to come back months later and deduct this amount. I am now a victim of this as this amount of {$2500.00} is being deducted from our personal account. The only way Wells Fargo would have had access to taking this money out of our account is by a matter of convenience that we also have our accounts there. Wells Fargo should be held accountable for clearing this check! 

Company response: Company chooses not to provide a public response
Consumer complaint: I did not request credit from XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband lost his job XX/XX/XXXX. We immediately contacted our XXXX mortgage companies in order to try to delay payments and/ or find out what options were available to help us while he was searching for a new job. XXXX companies had us start " loan mitigation/modification '' processes. Our first mortgage company worked with us to move our past due payments to the end of our loan and we were able to catch up after my husband was able to find another job XX/XX/XXXX. Our second mortgage company, US Bank, literally put us through months of paperwork, faxing at over XXXX pages of documentation, supposedly " lost '' the documentation, and had us re-submit it numerous times. In the end, it was a futile attempt to receive any type of help from that company. After we were trying to make extra payments, they recently refused to take '' partial payments '' and forced us to do the " loan mitigation '' process all over again, although none of the previous circumstances had changed that they turned down the first time we went through this. Because they would n't even accept partial payments while this was happening for months, this caused the past due amount to become even higher. They only ended up offering us what they called a " temporary payment plan ''. 
Our normal monthly payment was {$500.00} with an interest rate of 12.65 % and they want us to pay 4 times that amount at {$2100.00} a month for 3 months and if we do n't, they are threatening foresclosure on our house. We have received no assistance with the loan, because they give the main reason of it not being the " primary mortgage loan ''. It has always been our second mortgage in the form of a home equity loan that we have been paying on for years now. When they considered out situation and requested our financial information over and over, they only placed into consideration the amount we pay a month for our XXXX mortgages, no other loans or monthly expenses, to say thay they see a huge monthly " surplus '' that does not exist. We have a family of XXXX, with XXXX child in college, and there is no feasible way we can try to pay these amounts and still be able to pay our bills, gas and groceries. All we were asking for, for over 2 years now, was to get some short term help and US Bank has in no way made any attempt to help us through this. They have placed us in a very difficult position and only seem interested in putting us into foreclosure to take our home. That is the " threat '' they have stated in the communications multiple times. We feel helpless and do n't know who or where to turn to try and get someone to listen and / or help. 

Company response: Company chooses not to provide a public response
Consumer complaint: ATT universal card through Citi, XXXX XXXX, 2015 some with XXXX, Account Manager in the Maryland office, XXXX. She was to provide my account number via email within 24-48 hours, XXXX told me she did not have a telephone extension tgat if I called back they would send her a message to reach her. XXXX XXXX, 2015 I had not received the information. I called back spoke with XXXX, XXXX, she said XXXX was in and that she reached out to XXXX. XXXX stated that XXXX was assisting another customer and would call me. I provided my telephone number XXXX times to XXXX. XXXX XXXX information still not received and XXXX did not call me back. I called again spoke with XXXX, XXXX, I asked for someone above XXXX and was placed on hold. I was told that I could speak with XXXX another Account Manager. I said no that I wanted someone above XXXX 's level and I was told that is the hugest level in customer service. I told her I did not believe tgat XXXX is the highest level. I was told she is the highest level and for me to write Citi about it. 
It is eight days since XXXX told me my account number would be provided to me by email within 24-48 hours. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an SBA loan with Wells Fargo that has been discharged. They prompted the bankruptcy and have been notified by the court, my attorney and me. In XX/XX/XXXX I sent a letter again asking for the statements to cease along with a copy of the discharge. I continue to receive statements. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased an IPod from XXXX online. While the transaction went through, I tracked my order on line after I got a message that read order cancelled. I contacted Ace/elite Net spend and a Customer representative informed me that the " money was still there '' but had been frozen after a few days of the transaction and referred me back to XXXX. When I contacted XXXX they reported they could not 'pull their money. Again XXXX asked me to go back to Ace/Elite Netspend and a Clerk advised me to get back to XXXX and requests XXXX makes a Request in Writing!!! XXXX this time, I felt Netspend is playing games with my money and I request my money, but I am being shuffled around. 
I am demanding my funds effectively immediately. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They charged me interest when my balance was negative, telling me that if I pay late, they can charge me interest for two months after my balance is XXXX. Charging interest the first month makes sense -- I pay late, so they charge interest. But I paid not long after the due date, and then the balance was not just XXXX, but negative. They told me they can charge me interest anyway, for two months. I am not worried about the money per se, just that it is a fraudulent practice that is hurting other people, as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received faux notice stating " your XXXX XXXX XXXX account is over 90 days past due in the amount shown above, excluding any disputed and is scheduled to be cancelled and submitted for salary offset. The travel and transportation reform act, public law 105-264 of 1998 and CFR posts 301-76 authorized us to offset up to 15 % of your disposable pay " 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a credit card issued by Independent Bank. I have never had a late payment with the bank. Some months ago they said that the card was under a fraud alert - I could not then access the account through the internet. And when I called the company to resolve the issue they would put me through a whole host of security questions before condescending even to tell me the current balance. They would not tell me what the fraud issue was and would not remove the fraud alert. I have called their customer service 3 times already and still I have no resolution - the fraud alert is not removed and I have not been told what was the cause. 
I have never had this issue with any other bank. Whenever there is a fraud alert or a bad charge with other banks they contact me and the issue is resolved right away with XXXX call. The customer service at Independent Bank is terrible and I would not recommend that anyone use their products or services. 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan was sold or transferred to Statebridge Mortgage. 
They are not providing accurate information about account. 
Shows I owe for two months when I have paid every month for 5yrs. 

Company response: Company chooses not to provide a public response
Consumer complaint: I added a new checking account to my payment options. This checking account had enough money in the account the pay my credit card balance, in full. The new checking account was confirmed that is was active but the payment that I made on the credit card was taken from another bank account. This bank account did not have the money to make the payment, in full, on my credit card. Due to the money not being there BoA attempted to withdraw the payment, and a {$35.00} Insufficient Fund was added to my account. This amount was then " added back '' to the account, only to be removed a few days later, also causing another {$35.00} Insufficient Fund. 
BoA did not have approval to remove money from the previous account. The new account was added to make this payment because that is where the money is. Now there is {$70.00}. 
XXXX in insufficient fees added to my account that BoA is responsible for and money that was withdrawn from the incorrect account. What is BoA going to do to correct their mistake? 

Company response: Company chooses not to provide a public response
Consumer complaint: I called the XXXX XXXX Bank and I told them someone open fraud account under my name. I also told them that I have fraud alert on my name company called me. The presonnal that I was speaking to told me that they do n't call. I think that was their fault and i think should be deleted completed. ( that is not me ) Also i have others inquiries under my nameXXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Inaccurate information still remains of my Credit Report. 

Company response: Company chooses not to provide a public response