AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Wells Fargo Home Projects Visa has repeatedly assessed late fees when payments were made before the due date. Customer service was helpful in resolving this issue in the past and provided direction for how I could avoid the problem in the future ( details below ), but has not agreed to reverse any more late fees despite following their direction. 

The details of the matter regard a period between the due date and the statement closing date. Wells Fargo sets the due date on the XXXX of every month and does not allow any grace period. I have always paid prior to the due date. The statement closing date is on the XXXX though and the problem occurs when a payment is made towards the next statement prior to the closing date of the previous one ( e.g. when payment is made on XXXX XXXX for the statement due XXXX XXXX ). Even though the payment is made in advance of the due date, a late fee is still assessed. This is contradictory especially since there is no grace period i.e. any payment made after a due date should indicate a payment made towards the next statement. 

I have made every effort available to me to accommodate Wells Fargo Home Project Visa 's business practices. A customer service representative directed me not to make payments until the XXXX. Recent events would indicate that this was not correct and another representative informed me that this date can vary. I have also been told from other representatives that many people encounter this problem. Questions about the effect of this problem on my Credit History and Report were also answered unsatisfactorily. The representative stated that the Credit History would not be effected until the account was more than 30 days past due. Unfortunately, after making payments on time since opening the account, Wells Fargo still believes the account to be delinquent. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/2015 Suntrust Bank in XXXX notified me that they had placed a new insurance policy on my home for something like {$16000.00} a year! I was shocked and scared. They said my insurance policy had expired. I knew this was not true and had to get with my insurance agent to work this out with them. My insurance agent documented to them my policy had been transferred but NOT cancelled. At no time did I not have insurance. Suntrust agreed and took the forced lender policy off my house. HOWEVER, last week I get a escow notice from them that my escrow is now increasing my monthly payment by {$1000.00} a month. I called them and was on hold for 30 minutes before talking to anyone. Once I did talk with Suntrust they said they had started an escrow on my account because of the forced lender insurance policy in the fall. After discussing this issue with them for 2 hours it is still not resolved. I have a no escrow loan with Suntrust in my documents. Suntrust has now put me in an escrow status because of a mistake they made XX/XX/2015. Also, I have NEVER been late on my Suntrust mortgage payment and have a credit score of XXXX. What Suntrust is doing is a systematic issue at their company and putting their customers in a bad situation. Can the CFPB help me with this? 

Company response: Company chooses not to provide a public response
Consumer complaint: someone give me a fraud check and I suddenly deposit it thru my account. I just wan na help but I did n't realize that check is fraud and he keeps calling me to send him the money after I put in my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: We purchased this property in 2002. Recently we decided to sell the property and can not do this because of undisclosed liens that are showing. DMV is showing a lien that was charged off years prior to our buying this property. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Office Depot Credit Plan has closed my account after " review '' of my credit report from XXXX. Complaint made on them separately. Account was not late, had a XXXX balance and paid as agreed since I have had the account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I opened a checking account with Bank of America late last week while reviewing an incentive offer for {$100.00} when XXXX {$250.00} deposits are made into the account. I chatted with a representative yesterday to confirm the offer was there but they said there was no offer on my account. The representative I chatted with while I opened my account last week confirmed it was there, so I do n't know who has the incorrect information. Want to get this resolved before it 's too late. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am a first time home buyer. I bought my house XX/XX/XXXX and I just received a shocking bill of paying back into an escrow account. My payment was lowered to {$2100.00} XX/XX/XXXX I called and was told twice that I was paying everything I needed. I have my payment auto drafted and now they want me to pay almost {$13000.00} or {$3900.00} a month when my payment is & XXXX. Seneca mortgage is a scam and is unfair. I called and asked about this issue not once but twice and was told everything was fine. As a first time home buyer I would like everyone to know I feel cheated and lied to. I would be careful with Seneca mortgaging. They do n't tell you the truth. I was not told what I need to be told that my payment was incorrectly being collected. I asked I should have been told. Everyone is not able to payout all at once or have their payment raised. I was with XXXX with my loan and had no issues. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus XXXX, XXXX ( r ) and TransUnion ( r ) and any finance and other charges related to the fraudulent, as well. 

I have previously sent you a request to validate our debt under Texas Finance Code and all I received was an itemized list of the alleged charges you claim I owe you, which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas financial code. This does not meet the Texas Financial Code guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for Transunion, XXXX, and XXXX. I am attaching a copy of the original DV letter with the Texas Code on it and will be contacting the Texas State Attorney General office on your non-compliance and better business bureau. I have listed below how you are not meeting the Texas Financial Code. 

Please note Transunion, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or TransUnion ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character National Credit is sending invalid information on behalf of the Merdian/UDR and this is completely fraudulent and not owed by me. Remove this from my credit, you have been reporting this fraudulent debt for 6 years. 

XXXX has stated they have no record of my information, yet they are reporting on my credit report. This needs to be removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016, I received a demand letter from CMRE Financial Services , INC asking me to pay a debt of {$370.00}. 

This medical bill does not belong to me. I am disputing this bill and do n't intend to pay a bill that does not belong to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello CFPB, I have been dealing with the incompetence of Freedom Mortgage and XXXX Mortgage since XXXX 2015 as outlined in the attached RESPA letter. They really messed up the transfer of servicing. To keep the story as short as possible, everything requested in my RESPA letter has been resolved EXCEPT : Freedom Mortgage 's answer to thousands of dollars in payments I made in XXXX 2015, before the transfer of servicing, was to reverse the payments and send them to XXXX who reposted them as of the date they received them ( XXXX XXXX, XXXX XXXX. 

Now I 'm not an accountant, but it seems that it 's illegal to reverse payments and have them posted months later without proper credit for the interest. 

As you can see by my RESPA letter, I 've spent a LOT of time trying to correct their mistakes. I would n't mind being compensated for that. I figure at least XXXX hours XXXX XXXX {$400.00}. It 's a lot cheaper than if they 'd had to pay my lawyer and court costs. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My credit limit on XXXX credit cards with Synchrony were lowered due to a credit bureau pull they completed to under the amount owed or at the amount owed. This was a XXXX card and a XXXX card only that I applied for in order to help improve my credit. the XXXX card was lowered to XXXX and the XXXX card lowered to XXXX. They say it was due to items on my bureau? First, although they can adjust my limit at anytime per my agreement, I never authorized these bureau pulls. And since my husband and I gross over XXXX per year, and these were medical bills in dispute, when they are either paid or settled, will synchrony restore the prior limit? Also, how is this fair to consumers as now this has also lowered my credit score even more, as it now looks like the credit utilization for these accounts are at 100 % when before they were not. So they XXXX pull my bureaus and then also lower my score even more??? And these are on small cards? I could understand if we had a large reduction in income or debt owed with very high balances. But that is not the case. It was medical bills that were well under XXXX which is less than 2 % of our gross income? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Have received a collections letter from ERC collections with the creditor and original creditor listed as XXXX XXXX XXXX. I do not owe XXXX XXXX cable anything nor can their own support staff validate that this debt is legitimate or send any proof/documentation of its validity. This issue has already been reported to the credit bureau and my credit score has been negatively affected. This has caused me significant hardship in getting loans and now recently acquiring new car insurance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: USAA has decided to do away with their MasterCards, which is their prerogative, but what they have done is taken the liberty to issue Visa credit cards to all of its MasterCard customers without their authorization. I now have a Visa card from USAA on my credit report that I never wanted or authorized. If this were a store card, such as a XXXX XXXX card, being created without my authorization, nobody would question that it would be considered fraud. How is this any different? 

The email I received last week was the first I knew of the change coming. The email said the MasterCard would remain open until XXXX XXXX. However, they have already performed a balance transfer from the MasterCard to the new unauthorized unwanted Visa card. I logged in over the weekend to pay off my MasterCard balance in full as I do every month, but all but {$24.00} had been moved to the unauthorized Visa card. Transferring money more than a month in advance of the MasterCard being closed without my authorization appears to be more fraudulent actions on USAA 's part. I called USAA and asked that the transfer balance be transfered back to my MasterCard and I would pay off the balance in full, but they said they could n't. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Harassed bu Bank of America.I ask bank of america why they are requesting so much documentations and to stop calling me. I was told they were assessing my risk. I became high risk when i ask for modification in XX/XX/XXXX-XX/XX/XXXX which they denied. and 3 yrs ago they contacted me after they lost with state atty general XXXX and modified me to 4.5 % .I was told they will nor correct error in their part since XXXX XXXX unless I SUBMIT ALL DOCUMENTS THEY ARE ASKING. They have requested astronomical documentation with the promise to correct the issue. several phone call were made to my office. threatened to increase my interest rate if documents were not provided. deliberately reported me to XXXX even after consistent payment. i was threatened to foreclose upon if my income do not qualify of the loan that was made in XXXX i have not missed a payment on the commercial property and now being told that i am high risk. the value of the commercial building is lower than the loan. now they are imposing 10 % interest, foreclose upon me or find another bank. i tired XXXX but bank of america reported me to XXXX my credit score went down. they want me to pay {$29000.00} principal and interest because they said i did not qualify. the loan was existing since XXXX and did not apply for loan. i was forced to fill out schedule of debt which violated my privacy and even made to submit my divorce papers. i have lost so many hours of work to generate all the documentations the required. After submitting all documents, I was told yesterday the will foreclose upon me. i have all the documentations/ conversations recorded/ notation as to what was said. My husband did not even request to ask his name taken out of the loan and proceeded upon removal of his name from the loan. PLEASE HELP ME. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Ally Bank charged me an overdraft fee on a debit card. 
1. Sufficient funds are on deposit. Ally delays all deposits for several days. I do not know why - and frankly, I do not care why. They have MY money. 
2. If there are not sufficient funds for a debit card purchase, they should decline the transaction. This is law. The FACT remains - I have sufficient funds on deposit. 
3. If someone came into my home and stole from me, I could shoot them. 
I DEMAND MY MONEY RETURNED IN FULL. 
Further, I request a {$35.00} fee for theft. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit cards were abruptly closed by Citibank after having collected over XXXX Thank You Points over many years of daily use. I have put almost of my spending on their credit cards over the years to accumulate such points and Citibank simply closed my accounts without telling me why and took away all my points. This is absolute stealing for promising a rewards program to customers and then once points accumulate they just close the accounts and take away the points without reason. This is absolutely wrong and very dishonest of them to treat a loyal customer like me. 
Having contacted Citibank, they refuse to provide any resolution other than providing me an address to write to. They stated the accounts were closed by Citi and the points were taken away as a result. The points are worth XXXX of dollars and I have spent so many years collecting them! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 've had my driver 's license, social security card, checkbook, and several credit cards stolen. Fraudulent accounts have been opened in my name. I filed police reports, fraud affidavits, disputes with creditors of the fraudulent accounts opened in my name and all the credit bureaus. I have disputed XXXX XXXX fraudulent account with Experian several times providing police reports and affidavits. I have contacted XXXX XXXX and provided them with the same information. XXXX XXXX agreed to have the account deleted from my report.Other XXXX bureaus deleted the account from my report immediately. Experian keeps verifying fraudulent information and refusing to correct my report. Experian is in direct violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I demand immediate correction of my report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We opened an account through GE Capitol i.e syncrony bank and turns out we 're paying way over after only missing XXXX payments. We have banking documents calculating the payments and they 're totally taking money from us. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America has instituted XXXX, a feature that requires you to have a US cell phone to receive a text message in order to process certain transactions. The issue I am having is that I am currently living abroad, and hence do not have domestic cell phone service. This is preventing me from requesting wire transfers in excess of {$1000.00}, and thus can not pay my rent. Their solution is to send the money in XXXX separate wire transfers, allowing them to charge me {$35.00} twice for each transfer. In other words, by limiting my wire transfer amount ( in the name of security ) Bank of America is effectively doubling their profit. I have contacted them to have this feature removed, and they refused. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Transunion to clear up a record regarding a settled debt, and received a message saying it would have to be " manually processed. '' I did not hear from them after two months. 

Here is the background settled a debt with XXXX XXXX XXXX XXXX XXXX. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as " charged off '' rather than " settled. '' In my understanding this single debt ( regardless of if it is tracked under XXXX account numbers ) must be listed as " settled '' or " legally paid in full for less than the full amount '' to be fully FCRA compliant. 

Company response: Company chooses not to provide a public response
Consumer complaint: There was a collection on my account that was inaccurate and the company sent proper paperwork to have it removed but TransUnion has refused to update my account. I have payed many accounts to XXXX balance and reports and scores are not reflecting my current credit standing. I also have lots of old student loan accounts that were consolidated into XXXX accounts. The credit bureaus continue to reflect these accounts as open instead of closed. I have been diligent about cleaning up my credit but i need the credit bureas scores and reports to reflect my positive credit history. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We started to refinance our house ( s ) in Hawaii with Freedom Mortgage through a private broker in XXXX of XXXX. We finally signed on XXXX/XXXX/XXXX and Freedom Mortgage has still not paid off our loan or our other bundled pay offs with no communication as to why it was not paid. This has not only cost us money because some payments have now been double paid to not be late but extreme grief and hardship on my husband and myself. This process was to lower our payments and help us to make one monthly payment that was lower that the others. This company should be held accountable for their actions and the hardship they have caused to my family. We have an excellent credit rating, and have NEVER missed any payments to anyone. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a Macy 's Credit card account number : XXXX, which I had not used for months. In XXXX 2015, I was notified that I had a {$50.00} balance for a XXXX gift card charge. I reported the fraudulent transaction and required to close my card immediately. Later, I filled in form required by Macy and attached a copy of my driver 's license. I never heard anything back while my balance+late fees have grown to {$150.00} now, XXXX the original amount. When I tried to talk to Macy 's again, the representative told me that if I did not receive any call from them, it meant they received my doc. It will take 90 days for investigation while my late fee will continue to accumulate. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This company is a 3rd debt collector trying to collect the same debt. That is not the problem, how ever they are calling me every other day and up to 5 times a week at different times a day and night. Every day, every week, every month since XXXX XXXX. Its a recording of the same information, " This is XXXX XXXX of MRS Assois, calling about a debt, please call XXXX '' then it hangs up. Since XXXX of this year. 

Before that, The XXXX debt collector was XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX back on XXXX XXXX, XXXX then the debt was giving or sold to XXXX, XXXX XXXX, XXXX, XXXX XXXX which was on XXXX XXXX XXXX Then again the debt was sold or given to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX as of XXXX XXXX XXXX and now this NEW debt collector now has the debt. The debt has been sold, charge off, or given to other debt collectors for the past XXXX-3 years and i do not know who really is the REAL collector of said debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Harris & Harris continues to robo-call me to tell me I owe a debt that I paid on-line on XXXX/XXXX/2014. I have phoned them TWICE with my confirmation number proving payment and asked them to stop calling me. Yet I get one phone call a day from them. Yesterday I received a letter from them telling me that they are reporting me to the credit reporting agency. 

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