AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have been trying to clean my credit report up. I have XXXX things on my report that are over 7 yrs old and XXXX deleted the main XXXX. On my report XXXX XXXX has put my child support on Trans. I disputed it and it should be removed because its over XXXX yrs old. But they allowed XXXX to change the date and make it a XX/XX/XXXX date open which makes no sense. I also found out by National collections that in XXXX they notified all XXXX major credit agencies that fines and arrest warrants were to be taken off. They are still on there and there 's more that that. XXXX is now adding inquiries on my report from XXXX. An investigation by your office should be done by ur office. Also, on my reports is a school loan from XX/XX/XXXX and that is over 7 yrs old and should be removed as well. When I asked the lady at Trans if they verified information put on the report her answer was " we have no way of knowing if the information is valid or not. '' I have XXXX items knocked off and XXXX more ready to be knocked of and XXXX, XX/XX/XXXX reports that should be. Now they are adding inquiries that were not on there before? There are also many inquiries not initiated approved by me and they refuse to take them off. Please investigate my credit with all XXXX major credit agencies. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Perusing my ChexSystems report, I noticed an incorrect address. I wrote to ChexSystems and asked them to remove the incorrect address. ChexSystems responded stating that the address in question was submitted by a financial institution associated with my account. This is not true. Although, " XXXX XXXX Bank '' is listed on my report, I have never had XXXX XXXX bank account, nor have I ever wanted one. The address " XXXX XXXX ... '' should be removed, along with " XXXX XXXX '' from my ChexSystems bank report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I made a purchase in XXXX with my Macys credit card for about {$43.00}. I never received a paper statement. I did find a email in my junk mail after the fact with online statement. I did not receive any additional statements once a singe payment was missed as well as a second additional payment. The balance today is {$110.00} after a {$27.00} and {$38.00} late fee was charged. this fee is outrageous given the balance. Second, when signing into my account, access to statements is disabled because the account is past due. I also am unable to review my disclosures as I was concerned about the late fee terms associated with balance amounts. After I called, no attempt to resolve the balance was made even though it was not intentional to miss the payment. I am writing this because I feel that the macys credit card has exercised unfair practices that resulted in multiple missed payments and then is attempting to get almost triple the money based on the original purchase amount. In addition, my credit report will most like now be effected, and I have no power to negotiate with them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I checked my credit report in XXXX 2016, and noticed a collection account from IC Systems in the amount of XXXX, I have since found out that they are stating I owe for XXXX, I explained to them that I have never had an XXXX account and would like it removed from my credit report, I was never contacted by anyone in regards to this supposed account, and since the request I have not heard anything either. I have sent XXXX letters as well as emailed the company directly with no response. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: ASC, the servicer arm of wells fargo, denied a loan modification without notice. Moreover, its reasoning - that we did not comply with a fall XXXX requests for documents - is incorrect. We provided responses to their most recent request in a timely fashion on XXXX XXXX, XXXX. ASC never advised us that the response was inadequate even though it acknowledged receiving the documents. However, when we spoke with ASC in early XXXX XXXX to follow up on XXXX XXXX submissions, ASC said the application was denied because we did not respond. More specifically, in our XXXX XXXX submission we answered the request for a lease from the tenants as follows. We provided an explanation that our client 's tenants do not have a lease. Further, we reported that the borrower/homeowner did not want to ask the tenants to sign XXXX because she is fearful they may ask why and she does not want them to know she is in foreclosure and perhaps trigger non-payment of rent by the tenants. ) Moreover, the borrower/homeowner provided bank statement showing the deposit of the rent as well as a schedule XXXX on her XXXX tax returns showing the rental income. The later is an appropriate way to document rental income under the HAMP Guidelines. Finally, ASC asked for a profit and loss involving a contributor who lives in the household. We pointed out in our XXXX XXXX submission that the contributor is a XXXX earner with no outside business or earnings. 
As stated, we never got a denial letter form ASC. 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced my XXXX loans ( XXXX ARM and HELOC ) with Wells Fargo to another lender, the refinance transaction closed on XXXX XXXX, XXXX. To date I have not received a copy of the recorded release/satisfaction/cancellation of the mortgages. I called the XXXX XXXX XXXX of Deeds office on XXXX XXXX, XXXX, and learned that a cancellation for the HELOC was recorded on XXXX XXXX, XXXX ; however a cancellation for the primary mortgage has not yet been recorded, pursuant to NC Gen. Stat. 45-36.3. Please send me a copy of the recorded cancellations of both loans. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi there, on XXXX/XXXX/2015 while I as in XXXX on a business trip I got Victim of a XXXX and I got XXXX, they took my wallet with all my credit cards, money and Id 's, cellphone, Jewelry ( XXXX ). These people got access to all my credit cards and made heavy use of it. I notified the police in XXXX police report # XXXX right after I was able to and also all the financial institutions in XXXX . for my surprise XXXX of my credit cards from bank of america XXXX master cards the fraud department is saying the transactions are valid and i 'm liable for. 

Company response: Company chooses not to provide a public response
Consumer complaint: I endorsed my paycheck with signature and account number, I also added my bank mail address to front of check. Then I asked my wife to deposit my paycheck into my Bank of America account. The bank teller gave my wife a difficult time about accepting the deposit and told her she should have taken the check to an ATM, then they demanded ID and other items for her. She was only acting as my courier. Finally they accepted my paycheck but deposited into the wrong account, a joint account I have with my wife. 
This is not the first time this has happened. I called the bank and complained vigorously that evening. The following day my wife went to the bank and demanded they fix the mistake On other occasions, the teller has instructed my wife that if she were to deposit checks written to me into her joint account, she could then draw the money out or have access to the money. My wife and I have an excellent relationship and we keep our finances separated to help with that. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm filing a complaint because Transunion has ignored my request to provide me with validation of the debts that I do not recognize. I sent a certified letter on XXXX/XXXX/2015 and I have yet to receive a reply. Being that they have gone past the 30 day mark and have not sent a letter verifying these accounts, I would like them removed from my Transunion credit report. It is a serious error on their part. 

Company response: Company chooses not to provide a public response
Consumer complaint: This dispute is with Cash Call Check Cashing /XXXX XXXX CA XXXX. I had a payoff amount of XXXX. 
I the co- signer was in a serious car accident XXXX/XXXX/2014 and the car was a total loss. I was the co-signer on the account. The insurance Co. and Gap Insurance Co. paided the car off which left a balance of XXXX, in which I owe XXXX. The company is refusing to write off the balance on my credit report until the XXXX of interest is paided off. This is rueing my chances on getting another car. Before the car accident I loss my XXXX XXXX 2014 and fell on financial hardship as a co-signer I was trying to work out a two month deferment for XXXX and XXXX 2014. The customer service agent I was dealing with was threating and rude only worrying about getting the payment instead of working out a deferment or giving me any help. Just giving me the run around, delays, and had no intention on giving me a deferment. Half of the reason why I had the car accident was stress from the harassment for payment. I was hounded by this company calling me even after I answered the phone, pleading with them for help, ( mind you I was only two months behind ). They called at least 5 times a day with threats and rude staff whom contacted me. The company did not even give me credit for the payments I had already made on my credit report, in which I found this out when trying to purchase a car, The car company showed me the negative marks on my credit report. this is when I out found what kind of company I was dealing with., this is a Check Cashing Company, which after dealing with this company for the few months they were very rude and unprofessional. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Loan Care acquired the servicing on my loan in XX/XX/XXXX. To date, I have been unable to access my account online to set up monthly auto pays. I have called several times only to be told the website is down. I have had to complain vigorously for them to take a phone payment from me AND ALSO waive their phone payment fee of {$15.00} and the fee for paying after the 4th business day after the XXXX of the month. Tonight, When calling again to inquire about their website issues, I was told the site is not down but that Loan Care 's site is not compatible with APPLE/Safari. Nowhere on their statements or web site does it give this warning. I am again after the 4th business day and have had to argue about their attempt to charge me to process on-line and auto draft payments from my savings account. Their fees escalate even higher on the XXXX day. This is a de facto late charge being assessed and does not agree with my note which states payments due on the XXXX and can not be considered late until after the XXXX. I have never been charged by a mortgage servicer for a payment process that is lower in cost and more efficient than mailing checks which is apparently what they want me to do to avoid their inappropriate late fee assessment. I respectfully request CFPB to instruct the servicer they can not charge me fees for " on time '' payments. The web site issue is another sneaky way for them to catch an unwitting consumer in their process which all seems designed to funnel borrowers into paying additional fees to make on time payments, probably to make up for lost float on payments coming in after the XXXX of the month. That 's probably why they increase after the XXXX day but still before the XXXX day when a late charge is legitimate and permissible per the note ). This is the worst mortgage loan servicer I have encountered in over 30 years and multiple mortgages! Check the online complaint logs ... they are horrible, broadly speaking! 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX to XXXX XXXX during this time my credit accounts were tampered with and unauthorized charges. I have filed FTC complaint, police report with XXXX police agencies ( XXXX XXXX, XXXX XXXX 's, and XXXX ). Have informed and disputed with XXXX creditors numerous times with no action taken by them to remove or block. After several ID Theft disputes with CRA Trans Union - learned about FCRA XXXX and sent on XXXX XXXX to block. Trans Union refuses to block and instead said all they would do is to re-investigate with the creditors. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Forster and Garbus uses deceptive and abusive business practices. Made Phone calls to my work. 
Waited 20 days to Tape a Notice of Commencement of Action Filing papers on my front door with all my information and details displayed for the public and all to see and read. A friend who came to visit read the posted notice and alerted me at work. I immediately left work early to come home and remove the notice from my door. As soon as I came home, my neighbor informed me that he had read the notice and was going to call me. It was embarrassing! I immediately took a picture of the posted notice 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened a XXXX account with a promotion code XXXX '. The promotion is supposed to give XXXX XXXX XXXX miles If I am a existing XXXX XXXX Credit card holder and opened a new XXXX account. I opened new XXXX with the promotion code and even got confirmation saying that promotion code has been coded on my account. I did n't get the XXXX miles when I complained about the same with customer service they created a case and then later they told that I was once a XXXX customer and not eligible for promotion. I did n't know this information/disclosed to me when I opened the account over online so I requested to credit the miles or give me a waiver/exception and I did n't get any response about the waiver/exception. I am also attaching the requirements of the promotion and it did n't say anything about the previous/existing customer. 

I am not sure about how miscommunication happened and I kindly request you to issue me the promotion benefit. 

Thanks XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: When buying furniture for our new house, we got a nice 60 month no-interest loan with Wells Fargo through the store. After setting up automatic payments, which for some reason took months to start, a representative told me that it was set to pay the full amount of the loan instead of the monthly balance so we cancelled it and I set up a new automatic payment for the monthly balance instead. 

The next month, after making manual payments the whole time, I called in to check if the automatic payments were in place. The representative told me they would start the following month. Because I had spent HOURS on the phone with Wells Fargo, I asked, " So if I make XXXX final manual payment, I will never have to worry about it again? '' The representative assured me that was the case. 

Two months later. My manual payment took care of the month in between but when I logged in to see how it was going I was charged a {$25.00} late fee because the automatic payment was STILL not in place. It was unbelievable! A Wells Fargo representative assured me this would not happen. I called in, escalated the call, and the manager did not care. He told me it was my responsibility to ensure payments were being made and that he would not refund the fee. 

Knowing that troubles like this would continue, I just paid off the loan. It set back some financial plans I had over half a year, but I knew I did not want to maintain that kind of relationship with Wells Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone named XXXX XXXX called claiming I was being served at my job between the hours of XXXX and XXXX XXXX CST on Monday, XXXX XXXX, 2016 and was told to notify my supervisor that I will be served at my job as well about this but did not know what it was about. Was given a case number of XXXX. Contacted the company today and they identified themselves as XXXX XXXX XXXX. Gave them the case number and the person put me in contact with " XXXX XXXX. '' Well, this person who said she was " XXXX XXXX '' suddenly said her name was " XXXX '' and that I was sued by Cash Call and there were XXXX charges against me. I asked her to send it to me in writing and she refused to send me anything. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I turned in my leased ATS Cadillac to the dealer on XXXX XXXX, 2016 at the end of the lease in impeccable shape. The inspection from Ally was done 3 weeks after I turned it in. I have gone around and around with Ally several times why I feel the charges are not accurate and request that a manager call me - which to this date has never happened. I want them to give me an explanation on what these charges are for and why they are refusing to dismiss - since the car was parked in the lot 3 weeks in a super tight lot - who knows who dinged the car in that time period. 

The car was sold at auction - and knowing that they are trying to make more money from me when they made their money ( and more ) from the auction dealer - is even more ludicrous and appalling. 

I am filing this complaint especially after seeing the XXXX dollar law suit that has been charged against them - and the unfair practices that they are known for. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I made a purchase on XXXX on XX/XX/XXXX for {$100.00}. I only use the card about once or twice a year so I did n't notice right away when I did n't receive a statement. In XX/XX/XXXX I went online to look for a statement and discovered that I was charged {$64.00} in late fees. Part of my transaction, {$26.00}, was put on my statement for XXXX that was due on XX/XX/XXXX which I never received. The remainder of the transaction was put on the XX/XX/XXXX statement and at that time I was charged a {$26.00} late fee and the {$26.00} balance was carried forward. The remainder of the transaction was due on XX/XX/XXXX but I never received that statement either. On the XX/XX/XXXX statement, I was charged a {$38.00} late fee. I attempted to call customer service but after 30 minutes on hold, I hung up. I then sent an email but was restricted to a small number of characters to describe my problem. Also I had to figure out how to send it because the system told me that I used a restricted character which I later discover was an apostrophe. It 's extremely difficult to get a problem resolved and the lack of statement being sent or me being notified that is available online is very deceptive and the due dates are vague -- -one part of my transaction being due on one month and the remainder of the same transaction being due on the following month. The late fees are extremely high -- -a little less than 40 % of the transaction. XXXX and the company that administers its card should not take advantage of its customers like this. Also once the card is paid off, you have to be wary of a reoccurring {$2.00} minimum finance charge on a {$0.00} balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Spam mail to our mailbox with information we do not want put in the mail. We are on the US governments ( do not mail ) list. We have called Wells Fargo a dozen times. We receive offers every week. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I XXXX XXXX am a man and am currently engaged in a contract with ALLY .On XXXX/XXXX/15 I made the payment requested by Ally VIN : XXXX Most Recent Payment : $ XXXXReceived : XXXX/XXXX/2015. I was told this was the payment due with no explanation why .I assumed it was an voluntary corrective action because on the " enforcement '' action against them earlier.then I rec 'd this notification Next Payment : $ XXXXI contacted ally who said that the payment for XXXX/XXXX/15 was so much less because I had overpaid. they said that the overage went to the principle .I told them the payments made in the past were including the late fee 's ..then I rec 'd this notification Next Payment : $ XXXXDue On : XXXX/XXXX/2015 Past Due Amount : {$440.00} Due On : XX/XX/2015Additional Charges : $ XXXXnotice the difference between XXXX and the " additional charges " of XXXX. there were no " additional '' charges prior to XX/XX/XXXX. I believe these charges are retribution against me for having the " gall '' to question them. also because I stand to benefit from the enforcement action against them. notice in the payment history there are no '' other '' charges. I feel that this documentation proves that Ally has not dealt with me in good faith, that they have caused me damage due to their continuing discriminatory practices. I claim discrimination against me based on my race. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have asked experian and XXXX going on 2 years now to update my credit and fail to do so. I have also indicated to them my report needs to match XXXX. I do not have any deb t and filed bankruptcy and it was discharged and its still not updated as of today and its going on two years. i can e reached at XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I would like to obtain help with understanding how my finance company is calculating payments and the amount of time a payment is late. in XXXX I was {$640.00} behind on my payment. On XXXX XXXX my vehicle was reposessed. On XXXX XXXX I paid {$750.00} to have my car returned. That according to them left me awith a {$100.00} credit. A few days later they were charged a {$250.00} repo fee. That left {$150.00} of repo fee, not payment owed. I then made payment for XXXX on XXXX XXXX. of my standard payment of XXXX. Still leaving the repo fee owed. I am not disputing owing the repo fee, I just dont feel that the fee should be accounted into my days behind on my regular payment as they are XXXX seperate items. Since the company is counting the repo fee as a past due payment, they are claimim=ng that my entire payment is more than 40 days past due, which is not the case. My standard payment of XXXX was due on XXXX XXXX when I paid XXXX payment but because they are counting repo fee as part of my payment, they are unwilling to offer an extention for my standard payment. 

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