AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Monday, XXXX XXXX, XXXX Honorable to FDIC officials : Please forward emergency requests to XXXX. Senators : URGENT EMERGENCY CONTACTS WITH XXXX XXXX XXXX XXXX AND XXXX XXXX : I write in complaint against Bank of America that discriminates against me with overdraft checking account. I am not happy with Bank of America that Bank of America made harmful discriminates against my XXXX and appearances in horrified addresses as they insult XXXX XXXX XXXX in ugliest appearances that Bank of America does not allow XXXX XXXX XXXX entered in their bank because of overdraft discrimination, so they insulted me in more overdraft discrimination. Again, I was not happy with Bank of America because of my overdraft history continually. I complain with overdraft records at Bank of America continually telling to XXXX Attorney assistance with XXXX XXXX XXXX in coping problems. 
Please assist me of XXXX XXXX in cope problem with Bank of America requests through male Attorney helping me with finding funds should go deposit cover up overdraft complaints to be requiring assistance XXXX XXXX XXXX along with Male Attorney in seriousness matters in law requests. 
In requiring law applies to XXXX XXXX XXXX must having a male attorney assistances with banking issues that I need helping requests with banking addresses in serious matters. Please requires applying to male attorney investigates on my bank account finds out overdraft records that they uses discriminates against me with XXXX as Bank of America does not like me having banking account because of overdraft periods. 
Please take this letter to Male Attorney requires taking me to investigates with Bank of America requests according to the law requirement to make deposit amount cover up overdraft fees. I do not have any extra money for deposit that I am having lot of stuck with no funds for deposit continually. 
I do n't like XXXX Apartments involved my political letters and stay away from XXXX Apartments that I do not like participate XXXX Apartments as I do not want reside at this bad housing at XXXX XXXX Apartments that they made me in baby diapers. They called me in sick and dumbest gentleman messages telling to XXXX. XXXX and XXXX XXXX. 

Please share with XXXX. XXXX and XXXX XXXX help me out with banking discrimination report to Male Attorney in XXXX XXXX deals with me in coping problems. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, OR XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I did not borrow money from them and do not know who they are or how they got themselves on my credit report. I talked to a lawyer about this problem and the lawyer said that I do not owe them any money and what they are doing is illegal because they do n't have any proof of me owing them anything, when they called me I contested the bill and asked for an itemized bill and they could not produce XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: We got behind in our mortgage last year when I lost my job. I was told we did not qualify for a loan modification payment plan because our debt to income ratio did not qualify. We got back on our feet and paid the current payment but still had a past due balance. Again asked Wells Fargo if we would qualify for loan modification and was denied because we are no longer in hardship. But we had better debt to income ratio. We also have a VA loan and they did not tell us about any government programs that may have helped us. I was told because we have a VA loan it is a guaranteed loan and they can not work with us like they can with other loans. We are starting bankrupsy now to save our home. Our lawyer told us about a government program that may negotiate with Wells Fargo. No help from our bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Report shows a XXXX XXXX XXXX started in 06. Balance of XXXX. Then sent toXXXX XXXX. Now XXXX. I never owned a XXXX XXXX account. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX College : XXXX XXXX, PA XXXX failed to make the extremely high interest rates of Genesis Lending Services, that I was not told they would be that high. I was threatened multiple times to lose my loans and be kicked out of the school, since I could not afford the interest rates that you have to pay while you are enrolled in school.The financial department at XXXX ( XXXX, PA ) honestly told us nothing about the lending service. Next thing I knew I was receiving $ XXXX {$200.00} interest payments while I was going to school. The school did not help me with finding a job nor did I receive a rent and living check. I had to rely on borrowing the money from the people in my family who do n't have the money to spare. I got told XXXX times by XXXX and a few calls from Genesis that if I did not make my payments I would lose my loans and be forced to drop/be kicked out of the school. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: This bill is for rent on an apartment I lived in until XX/XX/XXXX. I paid the rent through XX/XX/XXXX. I am being billed for rent for the entire month of XX/XX/XXXX even though I had turned in a 30 day notice and did not live in the apartment during the month of XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have my loan serviced with Green Tree. I have been paying more than the amount due each month that I would expect to be applied to principal, but instead they post it as Unapplied Amount. I have never worked with a less competent services. I 've worked with over XXXX in the past that know how to apply additional payments toward principal. Thus I am paying interest on amounts of principal that I have already paid. This must be illegal. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: " Debt was paid '' was the most closely related option ; however, I did not pay the debt because the debt was/is not owed. The purported balance owed of {$1400.00} stems from a XXXX account bundled service plan that was never installed properly and never functional. I submitted my complaints and service issues directly to the XXXX XXXX supervisor, XXXX XXXX, who should have XXXX the account balance or directed Customer Service to do so based on the breach of contract on the part of XXXX XXXX XXXX. I have heard absolutely nothing else from XXXX or the collection agency who contacted me under XXXX weeks from the final cancellation and resolve of my account. Recently, XXXX notified me that XXXX had sold this account to said Stellar Recovery Inc which appears on my credit report ... but the initial collection agency to which XXXX sold this account was said XXXX XXXX XXXX ... Today I dropped by the XXXX XXXX XXXX XXXX branch to give them another opportunity to properly resolve this account to a XXXX balance and update these collection agencies to whom they illegally and unethically sold this account, but according to " XXXX XXXX '' - although there are innumerable service issues noted on the account from the beginning until the end and depsite the {$1400.00} being directly associated with installation and service fees, he refused to issue any credits to the account 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I walked into the Citibank branch on XXXX XXXX XXXX in XXXX to update the security level of my card before traveling. I was told that my type of credit card does not qualify for extra security protection with a Microchip on my card, like all other banking institutions. so, the associate offered me an " upgraded option to my current credit card, which DOES have that security, along with mileage rewards etc. 
I agreed to have the new upgrade with the additional benefits. After almost an hour at the bank waiting, the application for a NEW card was processed, and I was given a denial of the credit application for a NEW credit card, which I never asked for, nor wanted. Now this report will have a negative impact on my credit report and score. 

Company response: Company chooses not to provide a public response
Consumer complaint: Started a refi with bank of America in XXXX 2015 today is XXXX XXXX 2015 .I fill i have been discrimanated agaist starting with the loan officer to the underwriter. Bank of America XXXX XXXX like laws have made this very frustrating.After a heated conversation with the loan almost immediately he change all my info .I havent spoken to him since XXXX, someother person has been assiting me.Never have i had such awful service .All info submitted and still no CLOSE/ 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 between XXXX and XXXX, someone broke the glass of a friend 's back car window and stole my purse. It contained my Driver 's License, Debit Card, XXXX Credit Cards, approximately {$50.00} in cash, {$100.00} in gift certificates, my home keys, my business keys, and approximately {$50.00} in makeup. I immediately cancelled my credit cards and debit cards. The police were called and a report was filed. I noticed there were XXXX fraudulent charges pending the night of Thursday XXXX XXXX, 2015. I called Wells Fargo to notify them and I was told nothing could be done until the charges were no longer pending. I warned them that it would make pending bills I was in the process of paying ( sent checks in the mail and had auto billpay ) and was told again, there was nothing they could do. I was notified via email the following morning, XXXX XXXX, 2015, that XXXX fraudulent checks written to me were cashed and when they returned NSF, {$3200.00} was taken from my account. I called Wells Fargo again, and they labelled it as fraudulent to dispute the charges. I went into my local bank branch and they were able to print copies of the fraudulent checks and tell me from which branches they were cashed. I notified the police of the updated information the same day. I have notified the credit bureaus and a 90 day fraud alert was placed on my credit profile. 

Company response: Company chooses not to provide a public response
Consumer complaint: I owe {$3000.00} to a hospital. I sent a small pymt. Then they sent me to collections. I sent a payment on XXXX XXXX they cashed it. They have called every day sometimes several times a day even on the day they cashed my payment! I sleep during the day because I work night s. They keep calling and disturbing my sleep. When I call to ask them to stop especially since I just sent a payment and they 're disturbing my sleep they say " man that 's fine but we can still call you! " if like to file a complaint. I will file one every time they call. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wrote Experian by certified mail on XX/XX/XXXX for at least the XXXX time, regarding the erroneously reporting of an item from XXXX XXXX Bank XXXX Acct. # XXXX ). I have made NUMEROUS attempts to resolve this issue with Experian but to no avail. In my letter I sent them all the documentation that I have from XXXX XXXX 's credit protection program showing where this bill was paid by XXXX credit protection in XX/XX/XXXX. I purchased the protection from XXXX XXXX which covered payment of the account balance due to my becoming XXXX which occurred during my protection plan period. Today, I received a letter ( XX/XX/XXXX ) stating that the information had been " updated ''. I obtained a current copy of my credit report from Experian that shows no changes were made. This information is incorrect and damaging my ability to obtain credit. I do n't know what else to do but to turn to the FTC for help. Please help me in getting this erroneous information removed from my credit report. Thank you! 

Company response: Company chooses not to provide a public response
Consumer complaint: Allied Collection Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX, calls my cell phone daily XXXX or XXXX times during the week, Mon-Friday. I do not have any debts, active or inactive and have no explanation why this company is calling my personal cell phone, they are on call block as I have nothing to discuss with them and my level of aggravation would be detrimental to my health. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am selling my house in XXXX XXXX and entered escrow with XXXX and XXXX XXXX. They were working with Wells Fargo to attain their Loan for purchasing my home. They were given and pre-approval letter and then later received a voicemail from their loan officer at wells fargo telling them explicitly that the loan had been approved and the appraisal had been ordered. The appraisal was then completed and both parties then signed a document with a closing date of XXXX XXXX. I then began the process of moving and rented a truck and trailer to take my first load out of state to my new home. While I was in the process of driving this load I got news that Wells Fargo had decided to now put the loan back in underwriting and were not approving it as previously mentioned. Ultimately Wells Fargo decided to change their mind and deny the loan then causing the buyers to cancel escrow. I now have been put out a lot of money and time and not to mention half of my stuff is now stored in another state that I can not go to yet since I have to now go back to the drawing board and try to find a new buyer. 

How is it ok for Wells Fargo to call and leave a voicemail giving verbal approval for a loan, order the appraisal and have both parties move forward with signing closing date documents? I have this voicemail and will attach it to this complaint if possible. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX I studied XXXX in XXXX, XXXX via a program through XXXX University while I was attending XXXX College XXXX in XXXX, IL as an XXXX student. I was awarded a certain amount of student loans to make this trip possible, in particular a federal grant ( not a loan ) that amounted between $ 5,500- {$5600.00}. Because I was not attending XXXX College for the XX/XX/XXXX XXXX due to my study XXXX program, these monies were applied to my study XXXX trip. I was later toldby the financial aid office at XXXX three months before my XX/XX/XXXX completion date that the grant to the amount of {$5500.00} was reapplied to my XX/XX/XXXX XXXX semester without knowledge. I never signed or made any written or verbal agreement with XXXX College, nor did my parents, to reapply funds from my study XXXX program to my XXXX program. XXXX College then attempted to tell me because they reapplied those funds without my knowledge or permission that I was now responsible in paying them back {$5500.00} because of adecision the financial aid office made without my knowledge or permission or that of my parents. I will not be held financially responsible for the poor decision making by XXXX College XXXX 's financial aid office. The financial aid office waited to inform me of this debt before I was set to complete my degree in order to impede me from receiving my diploma in an attempt to force me to pay more monies than I owed and force me into taking another semester of courses as they would not transfer my credits from my study XXXX program because of the debt they claimed I owed. 
I want confirmation in writing that XXXX College XXXX is responsible for the {$5800.00} debt and that it will be removed from my credit report and that I will not be held responsible for paying back any portion of this debt I did not incur. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm writing to report questionable activity of XXXX companies attempting to collect a debt from me that is not mine and I did not incur. 

The XXXX agencies are ( 1 ) Bank of America, the original debtor, ( 2 ) XXXX , XXXX, the junk-debt buyer, and ( 3 ) the XXXX XXXX XXXX, XXXX, who is attempting to collect on behalf of XXXX , XXXX. 

I received written correspondence from XXXX XX/XX/XXXX, claiming I owed {$78000.00}, with no reference as to what it was for. I understand upon initial written contact, the debt collector must provide me with certain information, including an itemized account claiming to be owed in connection with the debt including loan principal, interest, and all fees. Additionally, they are to provide me with the debtors name and last known address. On my own, I discovered they were attempting to collect a debt incurred by a business line of credit through Bank of America. Incidentally, I was terminated from that business XX/XX/XXXX. The XXXX XXXX XXXX, XXXX, failed to provide me with the above information. 

I sent a dispute letter to the XXXX XXXX of XXXX XXXX ( return receipt ) well within the XXXX day time period. They have yet to respond, which I know they are n't obligated to do. However, I received a letter from Bank of America on XX/XX/XXXX, also asking me to contact them regarding this alleged debt that THEY claim is for a mortgage loan. The convolution, ambiguity and confusion as to who actually owns this debt, and that no one can tell me exactly what it 's for, is of huge concern to me, and something I wanted to let you be aware of. 

Considering the above, I wish to inform you again that I was terminated from the company XX/XX/XXXX, also released from all current and future liability and obligations arising from the operation of that company, known or later discovered. My ex-husband was awarded the company as his sole and separate property in the Settlement Agreement. He warranted to me there was NO unsecured community debt, which means this line of credit was at a zero balance at the time I was severed from the company in XX/XX/XXXX. Any and all company debt incurred after XX/XX/XXXX, is the sole responsibility of my ex-husband and his company wherein he is 100 % owner. Of course my Marital Settlement Agreement is legally binding and has the full force and effect of a court order. 
Thank you in advance for your help. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2015 I filed for Bankruptcy. .I re-affirmed my mortgage with Wells Fargo Home Mortgage and the paperwork was filed with the XXXX . My Meeting of the Creditors was XX/XX/2015. My discharge was XXXX/XXXX/2015. Wells Fargo instead of showing my payments which have never stopped since the Bankruptcy Began are showing that the mortgage was included in bankruptcy ( XXXX/XXXX/2015 ). They denied me a new account for this same reason after pulling a credit report. They are reporting incorrectly the information to all XXXX credit reporting agencies - XXXX. XXXX & XXXX. This is seriously affecting my credit since I have made sure to have this paid and reaffirmed as part of the credit rebuilding process. I have called them and sent them emails about the reaffirmation and they had not associated to the account until after I spoke to a representative on Wednesday of this week XXXX/XXXX/2015. I need them to correct my information ASAP. Can you please mediate for me. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX I was involved in a Car accident. The XXXX XXXX which worked for XXXX XXXX had no insurance. He was a XXXX. I only had liability with my insurance company XXXX XXXX was the company. They would n't do any thing because I was n't at fault and only had liability insurance. I made the repair and charged it to my credit card and figured I would be reimbursed. The company did n't. I advised Bank of America about the situation and figured they would assist and they did n't I gave them all the information. That is insurance companies the other drive etc. They factored the debt. Now twelve years have passed and they are still bugging me. Furthermore, I just received a letter just as my credit was being reestablished. This was resolved back in XX/XX/XXXX and now it is reappearing and I 'm not sure why because according to the Fair Credit Reporting act time has expired. 

Company response: Company chooses not to provide a public response
Consumer complaint: SunTrust Mortgage has failed to close a loan for my mortgage. We have been misled throughout the entire process. Our situation has been escalated, however, we have had XXXX closing dates fall through and we have been told that documents have been sent to the closing attorney, when actually they have not. Emails and phone calls have not been replied to and the entire process has been detrimental to the consumer. I have lost time at my job fold conference calls, as well as, taking time off for XXXX closings that have never occurred. Our furniture is sitting out in the street and unable to be moved into the home, as SunTrust can not complete this loan. Underwriting blames new software upgrades, volume of business, etc. but we have been without a home going on XXXX weeks. This company should be reprimanded for its behavior towards consumers and I hope others can learn from this horrible experience. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is refusing to honor my disputes when they are knowingly reporting incorrect information. I filed for Bankruptcy and after it 's discharged, they are not allowed to report past due balances, past late payments or derogatory statuses. No matter what I do, I even sent disputes Certified Mail with a return receipt, Experian refuses to conduct an investigation and is blatantly breaking the law. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am being charged almost {$10.00} a month for life insurance credit protection through Best Buy/Citibank credit card. I never signed up for this service. The company will not remove any charges even though I have asked them for proof that I consented. In addition, I 've never been given any sort of paperwork or any details on exactly what this product is. The monthly fee is XXXX of my payment every month. Because of this fee I 've barely paid down my balance, it 's just a continuing cycle. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX for ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ( formerly XXXX XXXX ) are listing my accounts as Charge Offs when these should have been discharged in Chapter XXXX Bankruptcy on XXXX/XXXX/2015. They need to correct all XXXX CRAS. 

Company response: Company chooses not to provide a public response
Consumer complaint: invoices arrive the day before the due date. I pay the invoices the day they arrive in the mail. My account is charged a {$75.00} Late because payment is n't received on time. Because its impossible to meet the terms of the card. There is no doubt in my mind they delay sending my invoices to intentionally collect the late fees. This card is a scam. 
I tried paying my latest invoice over the internet but surprisingly the feature on the account never works. This card is a scam and this company is making an exorbitant amount of money on late fees that cant be helped by the consumer. I want all my records deleted from their company and will seek damages. 

Company response: Company chooses not to provide a public response