AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had a company credit issued to me and the company closed the credit card in XXXX 2014, however the credit card continued to charge me a fee for a service from another company that I had already closed, without informing me of this going on. The card had been closed and expired and the credit card still let the charges accumulate. They also went to an electronic notification and I was never notified of any of this until I received a collections letter over a year later about charges and they were sending me to collections. The credit card let a company charge a closed account for over a year and never informed me of this, and the company charging against the credit card has not provided any service to me since XXXX of 2014, when I closed the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citi bank has caused me a great deal off wasted time and money. I have attempted in good faith to make multiple payments to Citi with my credit union checking accounts. In times past ( XXXX ) the account information worked perfectly fine. Recently, when attempting to make payments my payments were returned. I use the exact same payment information for every credit card payment that i make with all financial institutions ( XXXX, XXXX, XXXX ) and these other financial institutions have no problem making my payment with these checking account numbers. Because of issues with citis payment processing i have been charged fees ( returned check fees ) which are undue because the issue was not with me but with Citi 's payment processing system. I contacted my bank who advised that paying with the account information that i provided is the correct way and would be processed by the banks. I have attempted to correct the problem with a customer service representative in XXXX. They had me use the account number at the bottom of my check book which they were n't able to process. I can prove there was money in the accounts at the time every payment was attempted as well as show proof that other financial institutions have, and continue to accept payments from the checking account information that i have used in times past. I personally believe that there was a technology change, programming change, or code change that occurred at citi with their payment processing systems which has caused payments like mine to be returned now when they were accepted prior. I was never informed that there was a system change which would require me to change the way I made payments with Citi. I believe this is a broader issue impacting other customers as well so someone needs to speak with the head of payments processing/technology and research what changed and why it changed. I am a compliance manager for a competing bank within their small business credit card division and fully understand how small program or system changes can impact a customer segment. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company refuses to send me a statement or at least give me access to my online account. They claim that since my account is " inactive '' ( meaning closed, i have n't used this credit card in years ) I am unable to view my information. I am STILL paying for this low-limit credit card from 2009 ( 28 % interest ) and I have a right to see what my balance and payment history is. They told me I just need to " call them '' any time I need to know something. Ive called twice and spoken to several people. They keep telling me that in order to help me they need my credit card number, however, I no longer HAVE the number because I no longer have the card. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is more of a request than compliant. I would respectfully request that Macy 's lower my interest rate on my account, and my hours have been cut making my budget extremely tight. If they can agree to lowering the interest to 5 % I can more estimate a balance of zero within 8 months. I hope they will give this strong consideration and I have been a loyal customer for a number of years and have not charged anything to the account in the past 6 months. 

Company response: Company chooses not to provide a public response
Consumer complaint: A fraudulent credit card transaction ( XXXX ) was made to my Macy 's account while I was on vacation ( XXXX XXXX ). At this time, my balance was zero. I only use the card at Macy 's and use is sporadic. Due to changes in the Macy 's website I was unable to get online and check the account and had statements received electronically only. In XXXX, I received a new card from Macy 's, but was unable to verify the card due to problems getting online and could not activate the card until I called them. The card was activated, but I was told their was an unpaid balance. Since I had made no charges, I asked for paper statements. I called back to say the charges were fraudulent. I was told the charges would be removed while investigations proceeded and to call back and verify in ten days. Called back and they had no record of this call, so I started over and filled out their forms for fraudulent charges. Got a new card. Ca n't access most portions of the bank website, nor use the card for Macy 's transactions. Talked to tech support who indicated the account was locked. The XXXX statement balance was XXXX due to fees of XXXX the balance was transferred to the new card and the XXXX statement was XXXX. They credited the XXXX and XXXX of the prior interest and fees, and said I owed them XXXX in fees and interest that was not disputed. But these are related to the fraudulent charge. I have called and talked to XXXX individuals and sent XXXX secure messages, and written letter on XXXX XXXX, but they say they will remove these fees but never do. so the account remains locked and the card unusable. I HAVE NOT USED THE CARD SINCE XXXX. THE BALANCE SHOULD BE ZERO. I keep getting different numbers to call, all of whom claim to have fixed the problem but nothing happens. I have missed the holiday sales as a result. 

Company response: Company chooses not to provide a public response
Consumer complaint: Refused to accept my insurance claim. Refused to allow for payments. Continues to call outside of XXXX-XXXX business hours. Has kept multiple paid accounts on credit report stating they would not remove until paid account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Since XX/XX/XXXX I have been hit very hard with multiple overdraft and nsf charges month after month from XX/XX/XXXX to XX/XX/XXXX to the sum of about XXXX. I have noticed that I get an OD then they run it through again and double the fees. I am XXXX years old and feel every month my bank Regions does this to me on purpose when I ask about whats going on Im told Were sorry Mam but there is nothing we can do. They have never givin me a dime back. I had my grandson go in and talk to them and he told them to take me off of overdraft protection and if the money is not in the account simply deny the transaction so shes not getting all of these charges. Your taking all of her money. But that hasnt helped they still run a XXXX XXXX debit through 2 or 3 times and charge me XXXX to XXXX dollars two or three times a month. They are taking my social security and my money for my medicine isnt there something that can be done. Please help me thank you for your time. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have sent an official complaint letter that arrived at the destination on XXXX XXXX addressed to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX attorneys for Experian. It has been more than 30 days as you can see from attached tracking, my complaint letter arrived at their office on XXXX XXXX. 
Pursuant to 15 U.S. Code Title 15 CH 41 Sub Chapter III 1681i ( a ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The accounts should be removed at this point due to Experian 's failure to respond within 30 days. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: California XXXX XXXX XXXX XXXX XXXX called and stated that my mother owed them money from a debt years ago. If we did n't pay they would take us to court. they had a case number and stated that sent letters to service her. They had all of her infomation. Everything from SSN address, account numbers. They even gave her a confirmation letter and web site XXXX They took over {$1600.00} from her. This is a scam. They are not real. i tried to call them back to cancel the transaction and they gave me the run around 

Company response: Company chooses not to provide a public response
Consumer complaint: This morning I went to the usbank branch at XXXX in XXXX wa I tried to withdraw {$500.00} from my account. when the atm machine went to dispense the funds is jammed, after that I went to the branch at XXXX when I tried to withdraw the money I received a message that I needed to choose a lesser amount. I input {$400.00} and got the same message. So I canceled the transaction retrieved my card and went to finish my grocery shopping. After which I went to the branch in XXXX wa on XXXX. at which point I was informed that they had dispended {$500.00} at the aurora branch and that I did n't have the funds in my account. When I informed the branch manager that no such funds hand been dispensed and exactly what had happened I was informed they were initiating a fraud investigation and I would be informed if the disposition in 10 business days. the fact that it 's the bank itself who has screwed up evidently not being possible. now I have had {$500.00} embezzled from my account which I have to wait until XXXX XXXX 2015 to MAYBE get returned. In the meantime the funds for my rent is in limbo which means come the XXXX when I may get my money back I will have incurred {$600.00} in late fees from the management company. If they do n't return the funds by XX/XX/XXXX my wife and I will be homeless as we live on XXXX and do not make the kind of money that would allow us to pay 2 months rent in any one month. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was helping a friend i thought i could trust because she was XXXX because she couldnt get cable in her name so i put it in my name i was living in a motel at the time but used her address as a way to get mail for awhile she ended up not paying the bill so i cancelled the account and she ended up getting another account in her daughters name and not paying that she has ruined XXXX peoples credit 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15 I went to the XXXX XXXX XXXX and download the venmo app so that a friend could send me money. after I downloaded the app I link my XXXX XXXX XXXX account to the venmo account and successfully verified it by following the venmo procedures. To do this Venmo deposited {$0.00} and {$0.00} into my bank and withdraw it back out. So I transfer the {$250.00} my friend had sent me to my bank. venmo even sent me a notice saying my transfer was complete and the funds would arrive on the XXXX. The next day I look at venmo and see a notice saying my transfer had been cancelled and that the funds have been returned to my venmo but my balance was still XXXX dollars. The funds were n't in my bank either. So I wait to the XXXX to see if they would show up in my bank and they did n't. since then I 've sent about XXXX emails to XXXXXXXXXXXX and spent 10 days scouring the internet trying to find a number for this company. Instead I find a whole bunch of people who have been robbed and scammed out of their money just like me. I found these people on gethuman.com and on the venmo XXXX page. Some lost thousands some lost hundreds. I 'm attaching screenshots to prove everything I say but these are just a few others out of hundreds I found. Also I found another app square cash that 's also owned by paypal just like venmo and both companies are robbin people XXXX. I did eventually find a number XXXX and I left XXXX voicemails since Monday but no one has called me back and no one has responded to my emails except for the automated system saying that they receive my complaint and will check into it. I did get XXXX response say my account needed attention from another teen but they could n't provide me any more information. I just want my {$250.00} set to my bank. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed a charge of {$140.00} on my SunTrust Credit Card. I completed the paperwork sent to me by the SunTrust Fraud Assistance Unit, which included a detailed explanation of why I was disputing the charge, and supporting attachments. I mailed and faxed the documentation to SunTrust XXXX ( XXXX ) times, but kept getting the same letter saying that I needed to provide an explanation of why I was disputing the charge. I called SunTrust Fraud Assistance XXXX times and each time I was told that they received my paperwork and they did not know why I was sent the last letter. On XXXX XXXX, 2015, SunTrust Fraud sent me another letter stating that they had closed my case because I had not responded to their letters. I called again and told them that I had mailed and faxed the information to them XXXX ( XXXX ) times and followed up with phone calls. Each time I called I was told that the paperwork had been received. On XXXX XXXX, I called again to protest the closing of my case and demanded that they reopen it. SunTrust Fraud Assistance has not taken the time to read and/or investigate my dispute. They summarily closed my account. I have right to dispute a charge on my credit card account which I did not request, authorize or agree to. 

Company response: Company chooses not to provide a public response
Consumer complaint: RPM has continued to harass me after i have asked them repeatedly to stop, the company bought a debt from another debt collector that is mine, the debt was fraudulent for an account i did not open, i advised the previous debt collection company off this and now this company, keeps trying to collect the debt i told them to stop calling and they have continued to call my house and harass me, the representatives have been nothing but rude, they have yelled at me they have hung up on me and have transferred me back and forth into circles. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am an Identity Theft Victim. My original FTC document was XXXX to CFPB on XXXX XXXX, XXXX. My personal information ( SSN, Birthday, Address, Driver License #, Phone # ) were stolen after I opened a phone number on XXXX XXXX, XXXX at XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sale person # XXXX The Criminal used my identity 1 ) Changed my address on file at Credit Card company, fraudulently charged more than {$36000.00}. ( XXXX XXXX {$12000.00}, XXXX 's {$4000.00}, XXXX {$7400.00}, {$1200.00}, {$1400.00}, CitiCard {$2000.00}, Macy {$1500.00}, XXXX {$1800.00}, XXXX {$4400.00} ). Repeatedly asking for Credit Card replacement or new card after I closed the previous ones. 
2 ) Stole my phone number twice and pretended to be me for Credit Card Call Back Verification. They also opened several lines with XXXX and charged equipment. 
3 ) Showed up at my address twice, first time waited for XXXX delivery to retrieve XXXX XXXX that I did not request and the second time stalked at my place, either waiting for US Mail delivery or tried to break into my now locked mail box. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Ally Auto has billed me on numerous occasions for summons I have not received. When asked for a copy of the summons they claim they do n't have access and give you a summons number to look up on the DMV website. When you log into the website the number does not appear in their records. I have called the DMV several times and the summons number provided by Ally is never on file. They bill me for a summons they claim I received and add additional fees but can not provide documentation of the summons. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I applied for a loan with Cash Net USA last month when I desperately needed some cash to keep me and my family from being evicted from our home in XXXX, VA. I was desperate at the time and admittedly I did n't read the " fine print '' in the loan documents. 
Cash Net needed my routing number and account number in order to deposit the money in my account. The loan was for {$1000.00}. 
But as it turns out, aside from using the information only to deposit the funds into my account, they also use the information to draft my account without setting up an autodraft with my lending institution. 
Once I realized the ramifications of my actions, I read the " fine print. '' As it turns out, I am being charged a fee of {$150.00} for administrative charges. They are also charging 300 % APR. 
As is the case with desperate people such as myself, my family 's welfare is more important to me than being shaken down by legal loansharking. 
I have the emails sent to me from Cash Net verifying the above information. 
They will draft over {$200.00} from my account ( currently overdrawn ) for the first of 12 installment payments on XXXX causing additional fees and charges. 
I am doing the best I can to get back on my feet, but am unable to right now as I am currently XXXX at the VA hospital in XXXX, VA. I am working through some combat-related, service-connected issues. While the additional stress is challenging my recovery, I realize that is not your problem. 
Is it legal to draft someone 's checking account without the account holder setting up their autodraft at their lending institution? 
How is charging 300 % legal anyway? 
How is this not considered to be predatory lending? 
As I stated earlier I can forward the information I received from Cash Net, but am unable to do so on this platform. 
Please advise me on what I may be able to do to resolve this situation. 
Thank you in advance for your time and consideration, XXXX XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: We purchased a home in 2002. When attempting to sell this home recently, we discovered that there are XXXX liens showing on the mobile home. These loans were discharged years before we purchased the home. We are not able to sell the home due to these loans showing at DMV against the property. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i was contacted by someone who came to my house. He promised to would get XXXX of equity of the house at closing if i paid him. i closed and got no money, i am now in a mortgage i cant afford - they lied about my income. i cant make payments and need to fix the apartments for tenants. lacking the money. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I APPLIED FOR LOAN WITH A LOAN COMPANY THAT SEEM TO BE LEGITIMATE ... THEY SENT ME A LOAN APPLICATION WITH A ADDRESS AND TELEPHONE NO LOCATED IN CALIFORNIA ... I THROUGHT IT WAS LEGIT ... I CALLED THE BANK TO SPEAK WITH THEM ABOUT THE ACCOUNT AND THE CHECK ... .THEY ASSURED ME OVER THE PHONE THAT CHECK WAS LEGIT AND I DIDNT NEED TO WORRY.I DID GIVE MY PERSONAL BANKING INFO OVER THE PHONE TO THE LOAN COMPANY.I THROUGHT THEY WERE LEGIT AND EVERYTHING.I WASNT TRYING TO COMMIT FRAUD.I WAS TRYING TO SIMILY GET A LOAN FOR MY XXXX.I WASNT TRYING TO COMMIT FRAUD ... I THROUGHT THE LOAN COMPANY WAS LEGIT.MY ACCOUNT WAS CHARGED OFF AND I WAS KICKED UNDER THE BUS.NO ONE AT WELLS FARGO WILL HELP ME OUT.I HAVE ENCLOSED A COPY OF THE LOAN APPLICATION.I TALKED TO A XXXX EMPLOYEE ID # XXXX ... ..SHE WAS VERY NASTY AND RUDE TO ME.I NEED MY ACCOUNTS OPEN BACK UP.ALL I WAS TRYING TO DO WAS GET A LOAN FOR THE XXXX I HAVE.IDIDNT KNOW IF THE COMPANY AND THE PERSON WAS A FRAUD.IT WAS AN HONEST MISTAKE.I DONT WANT TO REPORTED TO XXXX.I DONT COMMIT CRIMES.I DONT DO STUFF LIKE THIS.I THROUGHT XXXX XXXX WAS A REAL LOAN OFFICER NOT A FAKE.I WANT TO REOPEN MY ACCOUNTS 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I AM A XXXX THAT HAVE BEEN TAKE TAKEN ADVANTAGE OF THROUGH PREDATORY LENDING OVER THE YEARS, IN XX/XX/XXXX I REFINACE OUT OF MY VETERAN LOAN AND RECEIVE A RELEASE SEE EXH A RECEIVED MTG XXXX -EXH B RECEIVED MTG IN XX/XX/XXXX-EXH C ( ALLEDGED FOR XXXX, XXXX ) -EXH D NO ADDITIONAL CASH WAS GIVEN RECEVICED MTG FROM PARK NAT'L BANK FOR XXXX-EXH E ON OR ABOUT XX/XX/XXXX XXXX MORTGAGW WAS ASSIGNED TO U XXXX FOR XXXX ACCORDING TO THE RECORDS OF XXXX COUNTY RECORDER NO ASSIGMENT FROM XXXX TO SPS SEVERING IS RECORDED SPS CAN NOT OR WILL NOT COMPEL WITH A WET INK ASSIGNMENT, MORTGAGE OR NOTE STATING THAT THEY ARE THE MORTGAGE HOLDERS VARIOUS EMPLOYEE FROM SPS IS CALLING STATING THAT I OWE XXXX BALLON PAYMENT ACCORDING TO SPS STATEMENTS THEY CLAIM I OWE XXXX AT 10.850 INTEREST. 
I NEVER RECEIVED NOTICE OF AN ASSIGMENT FROM XXXX TO SPS AND SPS CAN NOT PROVE THEY ARE THE MORTGAGE HOLDER OR HAVE ANY INTEREST IN THE SAME I AM XXXXYRS OF AGE ON FIXED INCOME 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX who works for attorney Scott Carruthers at XXXX XXXX contacted my employer and shared personal information. He claims his law office owns a collection account in my name. I contacted the original creditor and was told my account was never sold to Law offices of XXXX 

I called the number above and spoke with XXXX XXXX who insulted me, made false accusations, threatened to take me to court and take my house. He did not let me speak, he was extremely rude, condescending and threatening. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: This is the second time the same company by the name of XXXX XXXX posts a collection on my credit report. This account # XXXX is not mine with a balance of XXXX. It is a result of identity theft. Experian has a police report in their files regarding my identity theft. I submitted my dispute explaining this and the result was an update which did not change the reporting of said account. 

Also my experian report has an also known as : XXXX XXXX. 
This is not my name, I have never applied for any credit under this name. This is not my name this name is there are a result of identity theft. My police report also lists the aliases that are not mine. 

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