AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a business credit card with Wells Fargo bank. XXXX this year they have held my payment until it was past due and then charged me a late fee and finance charges. The statements in question were due on XXXX/XXXX/2015 and paid on XXXX/XXXX/2015 and XXXX/XXXX/2015 and paid on XXXX/XXXX/2015. On both occasions I called and complained because it appears the payment I make are being held until the XXXX of each month, before they process them and I am told on XXXX occasions that is when they were received. I live in XXXX and the processing for Wells Fargo is in XXXX XXXX. Mail service generally takes 3 days for delivery between XXXX and the XXXX, yet some how no matter when I send the payment it is not processed until the XXXX of the month. Wells Fargo has denies any wrong doing, but has refunded the late fees, but refuses to refund the finance charges of {$3.00} and {$1.00} from these XXXX incidences. I have had enough of this banks practices and hope your agency will look into these questionable practices. They have told me I could give them access to my checking account so they can make direct withdrawl of funds or I can pay the bill at one of their banks, but they do not recommend sending a check through the mail anymore. I should not have to go out of my way to make these payments because of their practices of holding payment checks until the XXXX of the month even though it was sent in plenty of time before due. I have XXXX accounts with Wells Fargo and I am going to seriously consider changing banks after 20 years of banking with them. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Saturday, XXXX XXXX, I deposited {$40.00} at the ATM XXXX, Union Bank, XXXX Ca XXXX. The ATM returned {$20.00} ; I resubmitted the {$20.00} Bill again. The ATM malfunction, stated it returned my Deposit ... The ATM asked if I need more Time, I stated no..no response and I stated yes ... My ATM Debit Card was returned to me and then a Transaction Receipt for Hardware Failure and Attempted Deposit of {$0.00}. I Called Union Bank to file a Claim and received a 15 minute wait, call back. I entered the Branch and the Teller explained that the ATM was not accepting Deposits ... there was not a sign or notification to this fact. She further stated that a Service Technical would be out, I should file a Claim and if confirmed my Account would be credited the deposited amount. Claim XXXX was filed with Union Bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a mortgage from Primary Mortgage Residential, Inc sometime in XX/XX/2015. I made my first mortgage payment a couple of weeks latter which was not due until XX/XX/XXXX. They never applied the payment to my account. I noticed this 1 month after making the payment and asked them what happened and they said it will be applied. They sold the mortgage to XXXX XXXX and I still do not see the payment applied to my account. 

I do n't know where my money is and why it has not been applied. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: My father asked me to help him recover {$5000.00} that went missing from his checking account on XXXX/XXXX/15 from Bank of America. The bank claims he did the transaction through a code that said XXXX and it was applied to a XXXX account, then a money market account within a very short time. On XXXX XXXX, they closed our claim and took back the {$5000.00} they credited us without any proof he did it. No bank employee can tell us what that code means but if it means via computer, my father knows nothing about computers. On XXXX, we requested they reopen the claim and provided an affidavit. I was able to contact Bank of America on XXXX XXXX to check on the progress of the claim and they said they had contacted XXXX. They told me XXXX has 45 days to respond. It has been well over 45 days and we have n't heard from anyone. I have tried numerous times to contact them and am put on hold, but after 30 minutes, I hang up because it is way too long for anyone to be put on hold. I want to see proof and resolve this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been contacted by XXXX XXXX and XXXX XXXX from Vengroff Williams. They are collecting a balance that is owed by my former business on behalf of XXXX XXXX XXXX XXXX. I had been making several payments ( even more than the minimum was XXXX but was unable to pay one month. I explained to them that I was trying to earn more money and would send them some as soon as I could. The phone calls were numerous ( often XXXX a day ) and always demanded that I call them back " this morning '' or " by the end of today ''. I explained that my only contact number was my cell phone and I could not use it at work so I often could not answer or " call them back this morning '' as they demanded. I even changed my cell phone message to remind callers that I was probably on a job and could not be reached. I asked XXXX to use email as a contact method instead. The calls continued. I finally stopped answering when she left a message that she was " mortified '' that I could not make a payment at that time. Now there is a lot in this world one can be embarrassed and humiliated about, but it is definitely not that the owner of a closed business is not able to pay all her former business ' bills. XXXX also told me that I had to " take the bull by the horns '', that she was meeting with legal counsel and that the account would be " pulled from Collection ''. I have saved XXXX phone messages that she left concerning the account. I felt very threatened and was very frustrated that she continued to contact me on my cell phone while I was at work and not allowed to speak on the phone by my bosses. Work is hard enough to find and I was afraid I would not be asked back to work if my phone kept beeping. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: When running my credit report to refinance our home it showed I had a bill to XXXX I owed in 2010 that was never paid. I never signed up for service or gave them consent for service and now this is affecting my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: 1. I have previously disputed the XXXX XXXX, Acct number -- -Account Number : XXXX, with Experian. 
2. Experian claims they have verified this account, please see the dispute results attached. 
3. No Credit Card account has EVER been established by me, with XXXX XXXX. No card, was received, no activation occurred and XXXX has NO history of this accounts existence. 
4. Please delete this inaccurate account. 
5. Please provide the Method of verification, along with the Name, Address or other contact details utilized in your investigation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was leasing a vehicle through Ally financial and returned the vehicle to a dealership, as instructed by Ally, to end the lease in early XXXX. I signed an odometer disclosure and was instructed to wait for a final bill, which would include any remaining lease balance plus any excess wear and tear identified during the inspection. I was told not to continue making payments on the account and that I did not need to be concerned with the account becoming past due. I began receiving collection calls from Ally in early XXXX and was informed that my account was past due. I explained the situation multiple times and was informed that somehow between the dealership and Ally, the return was never recorded. I was told not to worry, this would get sorted out with the dealer and that my account would not be reflected as & gt ; 30 DPD and would not be reported to any of the credit bureaus. For an additional 1-2 weeks I continued to receive harassing collections calls, and returned at least XXXX of them to clarify that the account was properly noted as being in a " pending termination '' status. Each time I asked for, and received confirmation that the account would be reflected as such, that I did not need to do anything further, and that the account would not be reported as past due. Towards the end of this month ( XXXX ), the calls finally ceased, however I recently received a credit report that my account with Ally is & gt ; 30 DPD. This has been reflected on XXXX of the XXXX usual credit bureaus as of the day I am writing this complaint. I called Ally on the day I received the first notification and was again assured that the account was in fact now in a terminated status, was not identified as being past due, and my credit would not be affected. Based on their track record thus far, I am less than confident that the error committed by Ally in reporting my account incorrectly as past due will be corrected without any negative impacts. The time spent thus far to get Ally to correct their own mistakes has been unacceptable. This does not include the level of stressed placed on me as a consumer. To make matters worse, I was not afforded the opportunity to be present for the vehicle inspection, and as of today do not know if there will be any excess charges. Based on my own inspection, I do not anticipate there will be any, however because the vehicle sat for over 30 days outside of my possession before the inspection occurred, I have no way of knowing if any damage occurred. Further, I have been given no recourse in the event some damage is identified as I am only able to state, based on my word, that the damage did not exist when the vehicle was returned to the dealership. Their process is clearly flawed because it relies on mutual coordination between XXXX parties, excluding the consumer ( Ally and the dealership ). Last, the consumer is fully at the mercy of these XXXX parties in the event either of them makes any mistakes. I have never once in my life had such a bad experience with any business, big or small. 

Company response: Company chooses not to provide a public response
Consumer complaint: My fiancee and I are thinking about moving. Before we put in an application on an apartment, I wanted to check my credit score. I went to the FTC 's website and followed the directions to get my free credit report. Once I received my free credit report, I wanted to have the report translated into a credit score. I went to Transunion online. I believed I was signing up for a one-time fee of {$1.00} to receive my credit score. Transunion charged my credit card {$1.00}. One month later, on XXXX XXXX, I noticed a charge for {$19.00} on my card from Transunion. I disputed the charge with my credit card company and received a refund. I assumed it had been an error. On XXXX XXXX, I noticed a second charge, likewise for {$19.00}, from Transunion. I called Transunion. The first operator I spoke with demanded my SSN, full name, mother 's maiden name, and email. He asked if I wanted to " cancel '' my subscription. I explained that I wanted the charges to stop, but that it made no sense to " cancel '' the subscription because I had never enrolled. After talking to him for 8 minutes, he explained that he had canceled my subscription, but that the " system was down '' and that I should call back in an hour. I called back three hours later. This time, Transunion asked for my SSN, full name, mother 's maiden name, date of birth, email address, and security question. I then explained that I had noticed recurring charges on my card for services I had not enrolled in. I asked them to stop the charges. I also asked for a refund for the charges previously made. The operator stated that no refunds could be given for services that were provided. I then asked to speak to a manager. She said she would transfer me. The mechanical voice then stated " Please hold while we transfer your call. '' Twelve seconds later, the voice said, " We 're sorry, the transfer can not be completed. '' Then the line was cut. 
1. I did not knowingly or intentionally enroll in any program. I read the website carefully. 
2. I did not receive any services. 
3. I was charged three times for credit reporting services. 
4. When I tried to cancel, I was first told that the system was down. When I asked to speak to a manager, I was disconnected. 
5. I believe I have been defrauded by Transunion. I further believe that the amounts I have been charged are so small as to make the hassle of challenging the charge too great. I further believe Transunion imposes these charges on unwitting customers who need to use its services in order to receive their credit scores. 
6. I worry that Transunion was phishing for personal data and does not safeguard it as they should. I worry that they will sell it. 
7. I believe demanding so much personal data before discussing an account serves as a disincentive and discourages people from " canceling '' services they never applied for. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called the Navy Exchange customer service today to remove an authorized user from my account. I was told by a customer service representative and their supervisor to call back in 48 hours to remove the authorized user from my account, giving the person I am revoking authorization an additional 48 hours to make purchases that as of today I no longer authorize. They sited " system limitations '' as the reason I can not remove an authorized user from the account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The debt collector called my mother telling her my license was suspended and etc. being as that my mothers awesome she paid the {$600.00}. However my license was in fact not suspended and the debt was already taken care of and they now say they can not refund any of the money. It has been 2.5 months and still not a penny 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX I voluntarily repossessed a vehicle XXXX. On XX/XX/XXXX, that showed on my credit as a charge off for {$8900.00}. XXXX contacted me on several occasions asking me to settle the account, I declined. In XX/XX/XXXX XXXX XXXX reported XXXX late payments XXXX, I was able to remove these from my credit report because I disputed the inaccurate information. On XXXX of this year XXXX XXXX again reported a late payment. Now, the account was closed in XXXX of last year. I spoke with the credit bureaus and they agreed that this act was in violation of the fair credit reporting act, however they refused to remove the false information. XXXX is attempting to prolong its time on my credit by reporting on a closed account knowing that it can stay on my credit for seven years after the last activity. I am working with a home loan program that looks only at the last two years of credit and therefore this account would not be a factor in determining my eligibility for a home with them if they are not allowed to falsely report activity. I am asking that the account be removed from credit in all XXXX bureaus because the company has proven to be irresponsible in reporting information. I have proof via prior credit reports that this account was closed and charged off XX/XX/XXXX. upload screen shots of said proof 

Company response: Company chooses not to provide a public response
Consumer complaint: Repeatedly called and hung up. Left no message despite the fact that their website states : " Our PCE ( Positive Consumer Experience ) program specifically focuses on being compliant in today 's recovery environment. '' They 're not compliant when they do n't state that they are a debt collection company and that they are calling about a debt or what the debt is for. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello below is the letter I sent the Military Star card. I was told I was 30-60 day late. I tried to make the payment and there was a glitch in the system making me late. I would not had been late on purpose as I am trying to apply for a mortgage my credit score has drop XXXX points since this incident. I was asking your assistance in removing the 30-60 day late. 

XXXX : acct # XXXX XXXXInbox xCredit Reporting DisputesXXXX XXXX ( 6 days ago ) Dear XXXX XXXX The Exchange is a non-appropriated fund instrumentality of th ... 

















XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 6 days ago ) to CreditGood Afternoon, I would like to thank you for checking on this matter. I am really heart broken that you all could n't assist me in this matter. I felt like I have been let down again by my country. I served this country with proud and dignity, I was injury while doing so. I was unable to work for months and was limited to income, but I tried to pay my bills with what money I had. I never intended to be late on my account therefore I paid as much as possible to keep this account from affecting my credit. I would like to state again I scheduled a payment online via your website to pay my bill for XX/XX/XXXX payment and it did not post. This one incident is causing me and my family to loose out on a dream I have been trying to achieve my entire life to purchased a home. There is know way I would wait until the last month and jeopardized my credit by not making a payment I was inform to make. 




If there is anyway you can help a XXXX Veteran the time is now for me. I am begging and pleading for your assistance. I am requesting if this email could be sent to the CEO of the company to review my case or if I can have a point of contact to reach He/or She. I ca n't give up on this that 's why I am reaching out to everyone. I have ask my Senator and Congressman I even email the White House to help assist me in this matter. I have a payment schedule for XX/XX/XXXX and I like I said previous I will never be late again. Please help me and my family. 




Yours Truly 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm being called every 3days by this company/number never a voicemail describing who it is or why the call. Its harassing .... 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been making payments on my mortgage loan but I was told that those payments were not going towards the balance. I have attempted to get answers but to no avail and now they are trying to foreclose on my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: Used automated text messages to spam my phone. I did not opt-in or agree to collection text messages. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX I received a notice from Macy 's American Express that my account was overdrawn. Knowing that I had not used the card since the original purchases I made when I opened the account more than a year ago, I contacted them and reported the fraudulent charges. It was a frustrating phone call and process - which took about 45 minutes. When I received the fraud packet in the mail a few weeks later, I completed and faxed all requested information back to the company as directed, two weeks prior to the deadline. For the last 4 weeks, I have been unable to successfully speak with the fraud department or anyone on behalf of Macy 's American Express to determine where they are in the investigation. Every time I call, it says that the office is now closed ( I have tried through out the day, up to 10 times or more a day ) or I am rerouted to someone in collections and it takes a long time to explain that I am not delinquent on the account or going to make a payment on it because I am not responsible for the charges. I am getting harassing collections calls daily. I have explained that the charges were fraudulent and the I have filed a claim but the calls have not stopped and the callers do n't listen to what I am saying but instead ask me to make a payment. I am very clear in explaining why I 'm not making a payment. Finally, after long wait times and having to insist several times that I need to speak with the fraud department, I was transferred to a woman in fraud prevention ( note prevention, not investigation ) who explained that they recently converted to a new phone and computer system and she could n't see any record of my filing the complaint, but said not to worry because it was probably part of a 4 week back log in the department. I asked her what I could do about the collections calls because I am concerned about my credit. I said that it would seem that the system they use does not " share '' information in a way that would prevent the harassing phone calls while a fraud claim was under investigation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received at my home address a collection notice addressed to somebody who does not live here. It was addressed to one XXXX XXXX, but no such person lives here. Worried this dishonest debt collector might next try to attach negative information to my credit report of my son 's credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX I voluntarily repossessed a vehicle with drive time. On XX/XX/XXXX that showed on my credit as a charge off for {$8900.00}. Drive time contacted me on several occasions asking me to settle the account, I declined. In XXXX XXXX drive time reported XXXX late payments XXXX, I was able to remove these from my credit report because I disputed the inaccurate information. On XXXX of this year XXXX Drive time again reported a late payment. Now, the account was closed in XXXX of last year. I spoke with the credit bureaus and they agreed that this act was in violation of the fair credit reporting act, however they refused to remove the false information. Drive time is attempting to prolong its time on my credit by reporting on a closed account knowing that it can stay on my credit for seven years after the last activity. I am working with a home loan program that looks only at the last two years of credit and therefore this account would not be a factor in determining my eligibility for a home with them if they are not allowed to falsely report activity. I am asking that the account be removed from credit in all XXXX bureaus because the company has proven to be irresponsible in reporting information. I have proof via prior credit reports that this account was closed and charged off XX/XX/XXXX. upload screen shots of said proof 

Company response: Company chooses not to provide a public response
Consumer complaint: A few months ago I created an account on the XXXX XXXX website out of curiosity. Since I 've never had a credit card, the site displayed no credit history. To my surprise, I was then informed that there is a closed collection that I never knew about, or closed for that matter. I was treated by these medical professionals years ago, when I was severely XXXX. At that point in time, I was completely XXXX. I had a similar problem some time ago with creditors, and this one must be addressed as well. I was never made aware of this debt until viewing my credit report for the very first time. I should have been made aware of this debt. If that was the case, it would have been paid already and would n't appear as a stain on my credit report. The fact that it remains on my report when I did n't even pay it to begin with is baffling. If it was n't my debt, then why is it there? 

Company response: Company chooses not to provide a public response
Consumer complaint: I settled this debt directly with XXXX XXXX. I disputed the collection with Monroe and Main explaining that I had previously settled the debt. They continue to report a balance on my credit files in violation of the Fair Credit Reporting Act. 

Company response: Company believes the complaint is the result of a misunderstanding