AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I received a call from a person who did not identify them self or the company they worked for and informed me, that I owed XXXX XXXX money for a credit card. I informed the person on the line that, I have never had a XXXX credit card and that- if I was to pay the card she must provide me with some proof that I owed that money. I was informed that I opened the card in XX/XX/XXXX and must make arrangements to pay or I would be taken to court for the payment. I responded, " I have never had an XXXX credit card. I do not know who you are and what company you are calling from. If you want to get any money from me send something in writing or take me to court. Because, I know I have never had a XXXX credit card. '' I had not heard nor received any thing from this person who did not identify herself or the company she was representing until. I was served with a court summon that I was being sued by XXXX as Bank of assignee of Bank of America Card Services, NA./FIA Card Services , N.A XXXX problem I have with this is : 1 ) the person who initially called me misrepresented herself and the company in which the debt was owed. 2 XXXX XX/XX/XXXX, Bank of American wrote off this bill. Thus leaving a balance of XXXX owed. 3 ) The original bill of sale was from Bank of America to FIA card Services, N.A 4 ) The XXXX bill of sale was to XXXX. 5 ) XXXX has no documents with my signature proving that this is a valid bill that belongs to me in the court documents filed. They purchased the loan XX/XX/XXXX. Why has it taken 3 years to contact me regarding a bill that they say I owe. I have received no correspondence from this agency regarding this bill. I have had the same phone number for the last 4 years. 6 ) This bill was sold and purchased in Delaware, I am not sure if they are legally able to operate in the state of Georgia. 

Company response: Company chooses not to provide a public response
Consumer complaint: Complaint : I did not receive my XXXX XXXX Miles bonus promotion for my new Citi Platinum Select Master Card : XXXX XXXX 2015 I received an e-mail invitation from XXXX XXXX to apply for the new promotion which after making purchases of {$3000.00} within the first 3 months I would receive XXXX Bonus XXXX miles. On XXXX XXXX, 2015, I applied online and was approved for the new card. In a few days I received the new card. Within the 3 required months, I 've made more than {$3000.00} in purchases and made timely payments and to my surprise I did not receive the XXXX XXXX miles. I contacted Citi Card and after an investigation I received a letter explaining that because, " you either opened or closed another XXXX XXXX account within the past 18 months. ", they were unable to apply the XXXX miles. 
If I had a previous Citi Card ( turns out I did - I closed a credit card 15 months ago ), I should have been informed when I applied that I would not be eligible for the XXXX promotion, and not to issue a new card apparently hoping it will go unnoticed by me. I consider this intentional and underhanded business practice by Citi Card. Last week, I spoke to someone on the " CEO Citi Card Team '' and she said it should have been stated in the Welcome letter that I was not eligible. I explained that It was not and they have not issued the XXXX miles. I noticed in today 's news that CFPB has issued a penalty against Citi Card Bank and I agree that are guilty of " deceptive business marketing ''. 

P.S. I was not ware of any " XXXX Month Rule ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was denied a loan due to an erroneous collection on my credit report. My bank informed me of a XXXX collections on my credit report from Focus Management from XXXX XXXX in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. When I tried to call the number listed on the credit report it was not a valid number. I decided to search on XXXX and it showed many claims of fraud. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a home loan. I want this taken care! 
I filed a complaint with the XXXX and this company refused to respond to my complaint. I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!! 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have called XXXX times to Bank of American to remove my PMI and I was told each time that they need me to complete forms that they will not send. They say they send them but after calling XXXX times to ask why I have yet to receive any forms they just tell me they mail them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a checking account # XXXX and credit card with Bank of America which they decided to close w/o letting me know until my cc was declined. When calling them to ask why my charge was declined, they claimed the cc account was closed and failed to let me know that they were closing my checking account also. I received a letter in the mail that the account will be restricted in 21 days and closed in 30 days but when trying to make a payment prior to the 21 days the payment bounced and I incurred a {$25.00} bounce fee for a closed account. 
When trying to reach the number on the letter it goes right to voicemail XXXX and says leave a message and they 'll get back to me in 24 hrs, being its Friday and I have bills to pay I decided to go to a local branch to have this resolved and they told me they cant do anything for me that they had to follow procedures set by this department that no one can get a hold of not even their own reps. 
So Bank of America is holding my money for no reason and no one is able to release the funds me so I can make payments that have to be made. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a vehicle from XXXX XXXX XXXX XX/XX/XXXX. Due to their erroneous credit reporting all consumer trade lines had to be hidden/removed from individual reports. All of the consumers trade lines have been added but not consumers who 've had a bankruptcy. My bankruptcy was dismissed because I opted to pay all of the debt and XXXX 's vehicle was never included in the BK. For the last 3 1/2 years I 've made every payment on time however in XX/XX/XXXX XXXX reported me as late so I understand the reasoning behind the judgement. Over all this has been a horrible experience and I will never do business with them again however I would like the benefit of having this line added back on my credit report. I would like to obtain a new car loan with a new lender to have this positively reflected on my report but because the last 3 1/2 years did n't happen I am back to having a negative car loan experience and higher interest rated. Please advise. 

Company response: Company chooses not to provide a public response
Consumer complaint: We were engaged by senior specialists of Wells Fargo / ASC and presented with a mortgage modification near the end of XXXX. The opffer was incredible in that it was reducing our interest rate substantially. Our only hesitancy of doing it was regarding any credit reporting issues during the process which was going to alter the terms of the existing mortgage. We were assured in no uncertain terms there would be no negativity reported. We agreed and the process went forward. Much to our chagrin, what we were told and what took place to this day of complaint is just the opposite. ASC had & continues to report derogatory payment history, false & inflammatory on my wife 's credit history which has diametrically damaged her rating & reputations. We tried every which way to communicate to Wells Fargo executive to no avail - we were stonewalled. We have a complete file including voice recordings of the calls and documents & PDF files to support our attempts - all to no avail. We pulled a free report this date from XXXX & XXXX! There was the negativity rating my wife in the " poor '' category reporting to XXXX XXXX, XXXX & XXXX, who all refuse to do anything about it citing it is Wells Fargo / ASC 's responsibility to do so. The following is only XXXX letter / FAX sent to ASC personnel to get this cleared up to no avail! I produced a XXXX report this date for the past 4 years - not XXXX missing payment - ever! Yet my wife 's credit is assaulted and her being defiled by Wells Fargo & ASC 's actions. 

TO : XXXX XXXX ; XXXX XXXXFROM : XXXX XXXX XXXXFax # : XXXXXXXXDate : XXXX/XXXX/XXXXSubject : Negative Credit ReportingDear XXXX & XXXX ; I need your help! Please find enclosed copies of the XXXX & XXXX reports reflecting negative credit reporting under my name by ASC. As you are aware & it should be well documented in the ASC files, this was the subject of major concern by me & my husband prior to my entering into the modification program. We were absolutely assured by you, XXXX XXXX XXXX & XXXX XXXX that absolutely no negative reporting was going to be made & yet here it is. 
I attempted to communicate through the email portal on your website. What I received was a response back regarding someone else 's account information & name. It appears that someone never advised the " system '' of the agreements & goings on with the modification. I am very concerned over the period of XXXX & end of XXXX. Some of the XXXX negativity will come off this year. It is the current year reporting along with incorrect figures & balances owing to these reporting agencies that has me very, very upset. I was told along with my husband that nothing of the sport would take place & yet it did. I did everything I was told to do by ASC and yet this has still occurred. 
Please review this & contact me at either XXXX or Cellular XXXX to discuss this and how quickly this oversight can be corrected to all three reporting bureaus. 
Sincerely, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: i found the website and applied to the site. 
XXXXand the site is no longer available. I received two cashier checks from theclients {$9900.00} and was told to deposit them then withdraw and put toanother account. and i am now been penalized for the checks. the checkswere fraudulent checks ps. XXXX XXXX has a website and he hasindicated that he is victim of identity theft. If he is indeed the perpetrator, Iwill be pressing criminal charges. 
On XXXX XXXX : the branch manager came up to me and said the following. 
XXXX : " the check is on a XXXX day hold, do you know where the check is from because if it s a bad check we would close the account to safe our butts. do you feel anything fishy about it? 
XXXX : '' I 'm a XXXX his from California and works XXXX. i really did n't think anything about it since it was a cashier check. " XXXX : " do you know the name of the bank? " XXXX : " XXXX something and its in California. " XXXX : '' ok ill call the bank. " i was waiting XXXX mins then the teller came back and started to finish my transaction. i asked her it it was ok, she said yes and i asked her if XXXX got in contact with the bank? she said yes. and XXXX never came out to talk me again nor pop up to see if i was being taken care of nor told what the bank said nor if she did get in contacted with someone. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Between XX/XX/XXXX and XXXX XXXX XXXX/CBNA reported XXXX missed payments to the credit bureaus although I had entered into new credit terms regarding my account with them and they were collecting monthly payments directly from my checking account. None of the payments were missed since our new agreement. XX/XX/XXXX I paid the account in total early. I have spent the years since XX/XX/XXXX and present disputing the approximately XXXX incorrect reporting of late payments to the credit bureaus in regards to this account. I also requested a copy of the later credit terms to which XXXX XXXX/CBNA and I had. I was told the contact was mailed once and can only be sent once. I did not receive the initial revised contract. This incorrect reporting have affected my credit and have infringed on my Rights to Life, Liberty, and Property. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX minor dependents and I have desperately attempted to complete a HAFA short sale with Wells Fargo. My loan was originated by XXXX XXXX. It was a Pick-a-Pay interest only loan. The payments escalated higher than the market rate. I lost my job and experienced a series of hardships. I was denied a loan modification and have requested a HAFA short sale so that I can relocate with my children. I have been forced into bankruptcy because the legal track has not halted or slowed down while waiting for an answer. I was told the Texas office had to handle this matter because of XXXX and this could not be uploaded in the XXXX system. I have yet to receive the approval needed and the new school year is beginning. I have a viable cash buyer and I have performed every pre-requisite needed to fulfill the criteria of a HAFA short sale. This has been my only homestead for the last XXXX years and I would like to resolve this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: My saving account was closed and XXXX opened another checking account. I received a letter XXXX letter sent XXXX ) stating it was closed because of over use. I transfered moneys from saving to checking. I went to the bank and they closed the second checking and opened another saving. I was told I had a small window of time to change my direct deposit to the other account, but my payroll check will still be deposited. Well today XXXX my payroll check was not deposited and I have direct bill pay set up. and no money in my account. I called my company pay roll and was told they wo n't be notified until Tuesday that the money was returned and a paper check will be issued and sent XXXX. I talked to the bank they will credit me the return check charges, but no overdraft protection till I can deposit the check. When I called the bank this time XXXX I was told there were no notes on my account and the bank ca n't open another account with my ok. Well they did! 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a {$340.00} reported XXXX XXXX ) by transunion on my credit report. This is wrong, i dont know what this is about and it is reported as derogatory XXXX on my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a vehicle from Drive Time Acceptance in XX/XX/XXXX. Due to their erroneous credit reporting all consumer trade lines had to be hidden/removed from individual reports. All of the consumers trade lines have been added but not consumers who 've had a bankruptcy. My bankruptcy was dismissed because I opted to pay all of the debt and DT 's vehicle was never included in the BK. For the last 3 1/2 years I 've made every payment on time however in XX/XX/XXXX XXXX reported me as late so I understand the reasoning behind the judgement. Over all this has been a horrible experience and I will never do business with them again however I would like the benefit of having this line added back on my credit report. I would like to obtain a new car loan with a new lender to have this positively reflected on my report but because the last 3 1/2 years did n't happen I am back to having a negative car loan experience and higher interest rated. Please advise. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a balance with XXXX XXXX and paid it but Focus receivables management continues to call and does not remove the item off my credit report and it is causing a negative mark on my report. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I had to take out a number of pay day loans to help cover exspenses ive been trying to pay but at 783 % interest it is almost impossible they wont stop calling am im at my wits end and I do n't know where to turn 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Re : XXXX of XXXX/XXXX/2015 : On XXXX XXXX, 2015, the US Bank offered me thru my e-mail an offer to aplly for a Platinum Credit Card account because I do have a checking account with this Bank. I accepted the offer. Immediately, after applying, I received a notice from the US Bank declining my application with a follow up letter in the mail explaining the reasons of non-acceptance. 
In reviewing my XXXX credit report files, I found that the US bank obtained a HARD INQUIRE on the same day XXXX/XXXX/2015 from my files for a XXXX time which had damage my credit score lowering up to XXXX points. Since the US Bank obtained a HARD INQUIRE on XXXX XXXX, 2015 which is in THEIR FILES, I believe there is not need of pulling a CREDIT SCORE, AGAIN, from XXXX, lowering my credit score up to XXXX points. 
Please note all HARD INQUIRES are reported to other financial institutions and had damaged my credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: It seems that my mortgage company is holding partial payments I make in an account they call unapplied funds. The funds are not applied to the balance until the due date, not the date they were received. And if the partial payments do equal the total payment due by the due date, then nothing is applied until the total payment is received. 
It seems to me that holding the funds, since there is no prepayment penalty, gives the mortgage company more interest. And would defeat any attempt on my part to cut the interest by making early payments. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I deposited a {$2000.00} check at my local Bank of America branch in XXXX, AZ on XXXX XXXX, 2015. At the time of the counter transaction, the teller assured me that the funds would be available next day XXXX XXXX XXXX ). On XXXX XXXX, the funds were available as promised. I proceeded to use some of the funds that were made available. At some point on XXXX XXXX or XXXX, the deposit was placed on " hold '' by BOA without any notification to me. My inquiry to the BOA " risk department '' resulted in me being told that the deposited check for XXXX had been returned by XXXX Bank. My research into that fact on XXXX XXXX indicated that the check had processed successfully from XXXX Bank to BOA, and that it had never been returned as indicated by the BOA risk department. Seeking an explanation for both the delayed " hold action '' and the deceitful misinformation, I re-visited my local branch in XXXX, AZ. The branch manager, after reciting the numerous regulations and bank policies which authorize BOA to do whatever they want, agreed to contact the " risk management '' department and get an explanation for me regarding the " returned check '' excuse offered earlier. Surprisingly, they admitted that the check had not been returned ( as conveyed to me earlier ), but rather that the " hold was placed due to other risk factors involving the deposited check and my account ''. As a consequence of the " delayed hold '', numerous debits bounced/were reversed and fees incurred. In the final analysis, the hold was confirmed by BOA for XXXX days, and no explanation or apology provided for ( a ) the initial unauthorized assurance of the funds availability, XXXX b ) the " hold '' without notice, or XXXX c XXXX the misinformation conveyed to me regarding the returned deposit that never happened. It seems that BOA employees are not expected to speak the truth when asked a direct simple question. Although the action by BOA has resulted in a modest financial loss to me of only about {$2500.00} XXXX fees, reversed transactions, associated penalties from creditors for reversed transactions XXXX, it certainly exposes the true character of a bank which I have been using for ten years in 4 states. 

Company response: Company chooses not to provide a public response
Consumer complaint: My boyfriend and I began the mortgage process with Wells Fargo on XXXX XXXX. We had a signed contract with the sellers on XXXX XXXX and our loan officer assured us that this would be completed, at the latest, 45 days so we could give our landlords the requisite 60 day notice on our apartment. On XXXX XXXX he sent out an email to my attorney that all necessary documents had been received along with our commitment letter ( which was dated 5 days prior ). Then on XXXX XXXX he emailed my attorney that he was working on getting the filed cleared so that we could close the following week. To date, we have not closed, we have cancelled XXXX scheduled moves and we have to move out of our apartment at the end of the month because it has been rented. 

Company response: Company chooses not to provide a public response
Consumer complaint: My lease was coming to an end at the XXXX. I submitted my 60 days notice 90 days ahead of time to then property manager. He honored the notice and filed it along with my lease information at that time. 30 days before my lease was up I get notice telling that my lease is up in 30days and I had n't submit any notice as to if I 'm renewing my lease or leaving. I then contact the rental office and told advised them that I had already turned in my noticed not to renew. I was then advised that the office staff is new including the manager but they would check everything and I could disregard the letter. They did contact me and informed me that they has my notice the next day. Upon move out day I was told I didnt have any balance and my account was clear and closed. But then 1 month following that I get a phone call telling me that I will need to pay for a prorated month and a whole month for the unit not being under another lease agreement upon me leaving. So there trying to make me pay the monies loss while they waited for another tents to rent the unit. When I refused to pay and cited that I submitted timely and proper documentation to be let out of my lease. That excused me for having to pay any loss monies for the unit being empty. They then stated that I would be sent to collections because of it. And now I have a account in collections with fraudulent charges all because this complex wanted me to pay for a unrented unit. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: A guy from Eloans sent me and email and said that I got approved for a {$5000.00}. I called him and talked about the loan the payments, ect. He said that they did n't need any collateral only thing I had to do was send {$140.00} to put insurance on my loan just in case something happened to me. I sent the money and he told me that someone would called me from XXXX XXXX with an activation code. So the guy called me and gave me the code but it was a lot of breakish in the phone. Then another guy called me from XXXX XXXX XXXX to get the code so he could deposit the money into my account. When I gave him the code it was wrong so he called XXXX XXXX and told them the code was invalid so the guy from XXXX said that I would have to pay {$200.00} just to get another code I told him I did n't have it. I told that sounded crazy. So the guy from XXXX said that when its a miscommunication between to parties that the customer was responsible for the {$200.00} and that XXXX XXXX had to pay me {$4000.00} that was their penalty. I knew then I had been scammed. 

Company response: Company chooses not to provide a public response