AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: regarding citi account : XXXX Since XXXX, I have paid {$6.00} in interest and {$100.00} in fees on a balance that I called and scheduled a transfer for. I thought the account was paid in full, and that I had called and asked for the account to be closed. Citi did not close the account, and they did not make the transfer as requested. however, they did STOP sending monthly statements so I was unaware that they had not completed the transaction. 
I discovered that there was a remaining balance when they called my house on Saturday XXXX XXXX at XXXX XXXX and discussed my credit past due with someone in my household without confirming that they were speaking with me. When I called to pay off the balance in full, they could not calculate a final pay off number, so I have to pay off the remaining balance of interest again next month. Terrible experience. 

Company response: Company chooses not to provide a public response
Consumer complaint: My savings account was involuntarily closed after the financial institution claimed that my overdraft protection exceeded the XXXX per month - preapproved transfers for a period of 12 months. In order to avoid any returned checks or transactions, I was prohibited from making any transfers of my own. This allegation that I exceed the XXXX transaction per month is the furthest from the truth and has caused me financial hardships of authorized e-checks being returned, my account being charge overdraft fees, and thus my checking account going into the negative. The intent of the overdraft protection is to avoid overdraft fees in the amount of {$36.00}, by having any debits that exceed the checking account balance to be extracted from the savings account. I was unaware of any limits per month - not to mention, I have not exceeded the checking account balance more than XXXX times out of a 12 month period. Closing the savings account has cause even more inconvenience as I have a {$500.00} direct deposit going into this account on a bi-weekly basis and will have to re-channel this EFT, in addition, I will need to go into the bank and withdraw the monies into the savings as the account is no longer valid. Much of the confusion stems from the manner in which the financial institution process its transactions, debits/credits/bill pay, etc. 

Company response: Company chooses not to provide a public response
Consumer complaint: Collection agency reported to XXXX on XX/XX/XXXX a " closed '' collection account with a balance of {$19.00} that was opened with their collection agency on XX/XX/XXXX 

I received no dunning notice from the collection agency. 

Section XX/XX/XXXX of the Fair Debt Collection Practices Act says collectors must provide notice to consumers within five days of the initial communication regarding the debt, stating the amount of the debt, the name of the current creditor, and explaining the consumer 's right to dispute the debt and to obtain verification. 

Failure to send a XX/XX/XXXX notice, is a violation of the FDCPA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was asked for XXXX forms of identifications while trying to withdraw money from my usbank reliacard account. I felt as if was misled in simplifying money transactions accordingly to the website. Why would n't XXXX form of identification be sufficient to withdraw money ( state ID )? 
This happened at a US Bank branch in XXXX XXXX XXXX, MN. Physical address XXXX XXXX XXXX XXXX on XXXX XXXX, 2015 around XXXX. I felt stereotyped because of my strong XXXX accent thus being the reasoned of why the banker did not give me my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: Previous case # XXXX is on file. Company mailed me, stating debt is still owed, despite evidence shown that XXXX XXXX is responsible for ANY and ALL debts incurred by XXXX XXXX, on or before XXXX XXXX, 2015. This also hereby serves as an official cease and desist notification to this collection agency, including postal and or electronic mail, telephone communications of any kind, as well as credit reporting. The divorce decree was attached in the previous complaint. Also, 33 calendar days ago, I requested a list of any and all credits and debits of alleged debt. That honor has yet to be fulfilled, and it is beyond the 30 days of request, hereby making this attempted collection null and void, in accordance with the FCRA, and FDCPA. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: City Bank/XXXX Visa will not provide me with a monthly statement and will not resolve the issue and is refusing to dialog with me to resolve the issue. For six months now I have not been able to access my credit card statements. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have many things on my credit report that do n't belong to me. Their are addresses that I have never lived at and my name is spelled wrong as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company XXXX XXXX XXXX started contacting my friends back in XX/XX/XXXX impersonating court officials saying they needed to know my whereabouts. My friends informed me of this the day they called. They were even harassing them about information and gave out my SS # and date of birth, etc. Asking them if that was their info. This company then called me and left a voicemail saying the same thing to me. I called and asked them to send me correspondence on this matter which they gave me no information on and I never received any paperwork on this. Fast forward to the last 2 weeks. My mother has now gotten a call on this and they were harassing her about this matter and then this week, on XX/XX/XXXX they called and left me a voicemail saying they were the court and would be delivering documents to me. I called them back again the next day on XX/XX/XXXX and spoke to someone. He never identified who he was or what company they were. I gave him the reference number I was given from the voicemail and he pulled up the information. He said it was a Bank of America Visa card that I had that was closed by BOA in XX/XX/XXXX. I told him that number XXXX, I did not have a BOA Visa card and to send me written verification on this so I could verify this and keep for my records and my attorney. He then said there was a Bank of America in all XXXX states. I said maybe there is and once again said to abide by the FDCPA and send me written verification or I am going to have my lawyer contact you. He then got all mad and hung up on me. I have had enough of the harassment from this company, if they even are a company. And, if they are, how is it they can potentially ruin people 's lives and reputations with no repercussion? Your help is much appreciated. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: My personal home was damaged recently. The loss is covered by insurance. The insurance company has begun to provide funds for the necessary repairs - approximately {$160000.00}. The payments are to be sent to me as joint checks between me and our mortgage company. When I received the first payment from the insurance company, I endorsed the check and sent it to our mortgage company, Sun Trust Mortgage XXXX Inc. ( " STM '' ). They responded with an XXXX XXXX, 2015 letter with the step by step recipe for how to receive funds to pay the contractor for the necessary repairs. That letter has XXXX problems as part of the requirements. First they are requiring that the contractor sign a lien release form that is illegal in Texas as Texas has statutory lien release forms to must be used. Second they are requiring a copy of the contractor 's license. Texas does not have construction licensing. I have written several letters and made numerous calls to STM. They refuse to correct their requirements and to revise the letter. I am being delayed in having the necessary repairs made to my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX BANK MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NEVER TRYED TO GET A LOAN FOR A CAR 

Company response: Company chooses not to provide a public response
Consumer complaint: the company refuses to supply a physical bill despite repeated requests. They have threatened to sue me and are requiring charge for any type of request. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I requested a credit report from XXXX, XXXX, and expertain and they refuse to give me a credit report after I was denied credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: In late XX/XX/XXXX I called my servicing bank which is Americas servicing and let them know I was having trouble making my payments. At the time we had to sell our business as we were not able to keep up with it. The bank stated that we needed to miss a payment before they would review a loan modification. At that time we missed XXXX payments and they began looking at my scenario. After the 3rd month o f missed payments I felt nervous and asked to bring it current but the bank said I was now 90 days late and they would n't accept a payment and that I was to wait for the loan modification process. I began sending in financial statements repeatedly to prove my income decreased drastically. I hired a company XXXX to help me with the loan modification process, in which I paid roughly {$1000.00} in total for services that did not help at all. On XX/XX/XXXX I received a call stating they would not modify my mortgage. They stated I know must pay {$28000.00} to keep my home and have until XXXX XXXX to pay this amount. I need help with this process as I feel I have been mislead along the way. 

Company response: Company chooses not to provide a public response
Consumer complaint: Reported a collection item on my credit for XXXX from 2014 ... I did not have XXXX service in 2014 and have not for at least 7 years. I believe I have disputed this before and gotten it removed but have not seen it in several years. Popped up again this month. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I responded on XXXX/XXXX/XXXX @ around XXXX XXXX ET to # XXXX to a message left on my cell phone and my mothers ' answering machine. When I called the young man threatened to have my drivers license suspended unless I settled out of court for a credit card debt I think was settled in XXXX. He also said I would have to drive out to XXXX, VA ( XXXX hours away ) to deal, and had a 6 year old address.I had been in a head on collision in XXXX and had settled all of my debts afterwards to the best of my knowledge. I also wonder if this may have been a scam attempt due to the clear violations/threats issued by the representative. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Just recently I had the opportunity to retrieved a copy of my credit and a consolidated credit search was conducted and as a results there was rrightigjt away identifing what debt I hadhad and were actual mine. One of the account from the list is unfamiliar and I have no recollection of this HERBERT P SEARS CO for XXXX. I believe this is not a debt that I have owned or recollect. I should have received calls, or mail. I have contacted all accounts of debtdebt and have set up arrangement s, and payments. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Trans union is showing a old debt against me on my credit reporting. I have submitted a dispute with the collection company and suddenlink communications. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX XXXX I received a telephone call from Jacob Law Group , I was not home at teh time to receive the call. XX/XX/XXXX I received a letter from the same company stating that I had a debt from XXXX XXXX bank in the amont of {$2100.00}. I called the number on the letter and spoke with a lady named XXXX. She went on to inform me that she had contacted my job XXXX and verified emplyment. First of all no one at the particular center has the authority to validate employment. I asked who did she speak with ad she hesistated and told me the HR department. I called the HR department sad they had not spoken with anyone to verify my employment. She went on to tell me that I needed to pay the amount in full and she saw that my cosigner had a car in her name and if she had a car she should be able to go and get an installment loan for {$2000.00} at the bank and pay the bill and I pay the {$150.00}. I explained to her that this was my mother she was XXXX years old and since XX/XX/XXXX has had some credit issues. I offered to make installment payments but she would accept teh offer. I am afraid that htey will upset my mother who has XXXX as I do myself. She went on to ask how much I made per month and noted that they could take at least {$400.00} a month from me and that I did not want that. She was quite harsh. I had XXXX on XX/XX/XXXX and I amcurrently off work and under the care of my doctor. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo Bank , NA ( hereinafter " WFC '' ), and its divisions ( Consumer Accounts for checking and savings account as well as the credit card accounts are to eager to charge fees, but will not return fees for their own mistakes ( continually ignoring the requests, disputes and issues - until it is passed the deadline, then its representatives claim that " it is pass sixty or ninety days allowed '' ). Therefore, the unjustified charges they make on the checking and savings accounts become permanent. WFC is very ANTI-CONSUMER. 

and NOW, I have issues with disputed charges on Debt card and a credit card. 
On three ( 3 ) occasions : 1. XX/XX/XXXX on my debt card in the amount of {$340.00}, Disputed unauthorized charge and WFC claims that I never disputed and there is no record of the dispute. 
2. XX/XX/XXXX on my secured credit card in the amount of {$65.00}. I disputed the charge 3-4 times and finally WFC provides me an UNSIGNED COPY of the charge. When I ask for the Merchant 's telephone number, WFC provides me a DISCONNECTED telephone number. Yet, XXXX claims that the charge is valid. 
XXXX. XX/XX/XXXX on my secured credit card in the amount of {$1900.00}. I disputed this charge 2 times. WFC can not produce ANY record. In fact, its representative told me that the merchant claims it was going to ship me something. I repeatedly told WFC rep.s that I do not have any relationship with the merchant and did not order anything from it and that the charge is unauthorized. WFC even confirmed with the merchant that the item was not sent ( EVEN THOUGH I DID NOT ORDER ANYTHING and DID NOT CONTACT the MERCHANT FOR ANY REASON ). However, it claims that because this merchant ran a {$290.00} charge FIVE MONTHS EARLIER ), then this charge must be valid. 
So, does not matter if I dispute a charge or not, nor that it matters if I truly purchase something, just because WFC does not want to process a dispute, then the consumer/card holder must suffer its representatives laziness or ignorance. Moreover, if a merchant made a charge and the card holder did not questions the first charge, then if the merchant makes additioanl charges sometimes in the very far future ( not even on a specific pattern ), then the charges must be valid ( even of WFC or the Merchant can not produce any evidence ). 

Company response: Company chooses not to provide a public response
Consumer complaint: After recently moving and providing new address lost my job and made Credit Central aware of loss of job with promise to continued payment once I got a new job. Still not working. Within one week of notification of loss of job my cell was turned off. They started calling everyone on my referral list and someone provided my mother 's # to them. They call her # every day, my mom is XXXX and has repeatedly requested for them to stop calling her. Then 3 weeks ago a man showed up at her house and verbally threatened her, she called the police but they could n't find the guy that came to the door. Then 3 days later a woman showed up, she again requested for them to stop coming to her home and made them aware she has XXXX. The lady left. Tonight at XXXX a XXXX XXXX ( same guy from before ) came to her door and tried to force himself into her house, verbally threatened her and she called the police, the police came and basically just told him to leave. I have repeatedly requested for them to stop calling her and I have requested on more than one occasion for them to provide documentation on how much is still owed if anything, but have never received any such documentation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Loan Insurance Fee Scams ( XXXX ) Companies : Financial CorporationInstant Phone Cash XXXX XXXX XXXXE-Loan IncXXXX XXXX : 25 times per day per phone lineNotes : automatic recorded voice messageFunding : XXXXLocation : XXXX XXXX XXXX service : rude and request bank account informationRequest debt not owedNever sent funds for {$23000.00} {$10000.00} {$3000.00} {$4000.00} $ XXXX XXXX XXXX XXXX XXXXDebt : $ XXXX/monthTerm : 36 monthsRequest bank account informationXX/XX/2015 XX/XX/2015Company phone numbers : Representative : XXXX XXXX Email addressDown payment on loan : {$730.00} up frontEmployer : XXXXConfirmation : XXXXDirect Contact number : XXXXXXXX XXXXconfirmation number : XXXXContact number : XXXXDebt : $ XXXX/monthTerm : 22 monthsXX/XX/2015 XXXXRepresentative : XXXXDirect lendingLoan : $ XXXXDebt : $ XXXX/monthRefundable loan insurance : {$150.00} up frontXX/XX/2015 XXXXReported Companies Telephone Numbers To CFPB Via XXXX XXXX ( XXXX ) XXXXunknown/privateFri XXXX/XXXX/2015 XXXX XXXXELOAN XXXX XXXXXXXXXXXX XXXX HELLO, YOU ARE APPROVED FOR A LONG TERM PERSONAL LOAN. 
MINIMUM {$5000.00} AND MAXIMUM {$25000.00}. 
YOU DO N'T HAVE TO PAY ANYTHING TO GET THE LOAN. 
YOU NEED TO HAVE A PROPER BANKING CHECK-IN/BUSINESS ACCOUNT. 
YOU NEED TO HAVE ONLINE BANKING FACILITYYOU NEED TO PROVIDE XXXX COPY OF IDENTITY PROOF AND XXXX PASSPORT SIZE PHOTOS. 
YOU NEED TO REFER LOAN APPROVAL PAPERS CAREFULLY. 
YOU NEED TO PROVIDE US AN ELECTRONIC SIGNATURE. 
WE DO N'T WORK WITH PREPAID ACCOUNTSIF YOU ARE REALLY IN NEED OF QUICK LOAN AND YOU ARE SERIOUS ABOUT THIS LOAN APPROVAL THEN PLEASE CONTACT ( XXXX ) XXXX, XXXX XXXX XXXXE-LOAN INCUNITED STATES 

Company response: Company chooses not to provide a public response
Consumer complaint: A medical debt was erroneously reported to American Collections Enterprise. They have been notified several times that the debt is not valid but they continue to report. The debt originator is XXXX, the originator has contacted them and I have also. They responded once that they had 30 days to remove the item from the report, that was in XXXX and the debt is still being reported. I attempted to contact them again to resolve this issue. 


XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I revived from collection about debts that the XXXX XXXX has place for collection of XXXX and will place the debt on credit history, which so false from property management company. I do owed this debt.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The rigmarole continues. The banks are ready and able to lend a helping hand. Just ask ... ... but its a F, F, F, F, F Farcical. Wells Fargo is a House Preservation Farcical. 
Attached after 2 years of document submitting rigmarole of my demise. 
1. Doc XXXX letter says thanks for all the docs ( in my case a lot ) 2. Doc XXXX " Sorry you do not meet the requirements because you failed NPV '' ( AS IF I CAN GO ELSEWHERE AND REFINANCE -- NOT!!! ) 3. Decision letter after appeal " you still do not meet the requirements for loan modification '' ( HOWEVER, I DID OBTAIN MODIFICATION ON MY OTHER PROPERTY!! ) Is there a different game being played at Well Fargo?? XXXX HOW CAN I QUALIFY OVER THERE BUT NOT OVER HERE??? WHY IS WELLS FARGO DRAGGING THIS ON CAUSING MORE GRIEF?? All I ask for is fixed rate loan modification with a reasonable low rate. A real modification that is not abusive by jacking up the overall loan amount. I am at no fault the entire banking system crashed and still broken. To dance this dance another 20 years I just need a LOW FIXED RATE!!!! WELLS FARGO IS NOT TAKING INTO CONSIDERATION MY COMPLETE FINANCIAL EQUATION OTHERWISE I WOULD HAVE THE MOD ALREADY!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have fallen on real hard times after my parents passed away and was not able to pay on a credit card. Well now without notice I received a Judgement against me were it states that they will or can garnish my wages. After I make all my monthly payments I am left with maybe {$30.00} to {$35.00} a month, I also get my food from a Food Bank. I e-mailed them and said that I could pay them {$20.00} a month but not more and their answer was they they rejected my offer. What can I do, if they garnish my wages I will loose everything. I ca n't afford an Attorney and this is really giving me XXXX XXXX XXXX. I will attache documents. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX, I received a bombshell letter from one of my credit card companies, FIA Card Services ( Fidelity Investments ) saying that my MasterCard account had been canceled for XXXX reasons : history of delinquency ; balance relative to credit lines too high. Neither is true. I 've had the account since XX/XX/XXXX, and I 've never once been late. For the last XXXX years, I 've paid all my credit card balances in full each month. Of my available credit, I utilize less than XXXX %. How can anyone consider that excessive? The " delinquent '' bill in question turned out to my Bank of America MasterCard, in the amount of {$25.00} [ I made a donation to my XXXX XXXX XX/XX/XXXX but never received a bill ]. The FIA Card Services letter referred me to XXXX XXXX XXXX to dispute it. I tried calling FIA direct but they basically said their decision was final, that I was a " poor credit risk. '' Up until this happened my FICO score was XXXX. It 's now dropped to XXXX. Yes, I paid the bill XXXX XXXX [ It took 2 hours and required purchasing a {$9.00} online report from XXXX, unless I wanted to wait 2 weeks for the snail mail version, to even find out what it was that I owed and to whom. ]. Their behavior seems more than a little draconian. Please, can you help? 

Company response: Company chooses not to provide a public response
Consumer complaint: supporting documents for case # XXXX and # XXXX. 
In the attached documents they prove my wife was XXXX XXXX. Included is our marriage license. XXXX XXXX committed ID theft and forged my signature. Her actual name is XXXX XXXX. It is how they hid the loan documents from me. I made SPS aware of this and with the police report and they are continuing to defend the fraudulent loan. look at the dates. My marriage Cert is XX/XX/XXXX. XXXX XXXX Fraudulent faxed letter is XX/XX/XXXX. A clear pattern established of forged documents and ID theft and the bank is denying it. I demand an investigation into the origins of this loan. Please assign me an investigator. I am waiting on the DA and Federal Attorney to do there job but see a civil case as my rights have been violated civilly. Thank You XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law