AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We sold our home and closed out our mortgage with US Bank. There was an overlap in autopayment and a balance left, which US Bank says to have sent via check. The check was not received. US Bank stated we had to wait 30 days until they would reissue the check. They then charged me {$15.00} to reissue a check which i never received. Even after discussing this with XXXX levels of management, and promised an overnight deliver with signature, i have yet to receive the check. I 've been on hold for XXXX minutes so far, as I wait and fill out this form. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America charged XXXX overdraft fees on my account and my account did not reach a negative balance. I called customer service and they explained that the information online was incorrect and certain items, though showing as processing, were actually paid. I made the necessary deposit to bring my account to a positive balance prior to the end of the business day and the overdraft has not been refunded. Based on the online information, the transactions were still processing and I made the necessary deposit prior to the close of business. This is not the first time Bank of America has tried to steal our money and I want to make sure the CFPB is aware and does something to stop this. I have accounts with other banks and this never happens. I am transitioning away from Bank of America, but they just keep stealing my money ( every month ). I have attached screenshots as evidence and am willing to contact additional branches of the government to ensure that all Bank of America customers are aware of this scheme and appropriately prosecuted. 

Company response: Company chooses not to provide a public response
Consumer complaint: bank of america is refusing to disclose how many fees charged my account. 
over {$500.00} since XX/XX/2015. 

in my trying to close account they refused claiming items paid were still processing. then they ran a returned check thru twice to access yet one more feeafter knowing i was closing that account at branch 

Company response: Company chooses not to provide a public response
Consumer complaint: Personal information hacked from records at the Department of Veterans. 
Affairs. Had to cancelled and be reissued bank card and credit cards. 
Attempts to purchase credit card by hacker cause hard hits on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: when you contact this mortgage company you do n't get to talk to person. you leave a voice mail and they tell you they will get back to you in 24 hours and they never do. trying to get the loan redone and very little help from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter about non approval of loan application with these reasons ; ( 1 ) lack of recent installment accounts. ( 2 ) insufficient length of credit history. ( 3 ) lack of recent information on auto loans or lack of auto loans. It also included credit score XXXX. When I called I was told it was denied because I got the loan elsewhere. How can they deny a loan and send a letter with above reasons? XXXX was the credit agency listed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My purse was stolen and I filed an identity theft. I see that my name is wrong and an address listed. I never lived at XXXX XXXX as reported on my credit report. I never misspell my name. 

Company response: Company chooses not to provide a public response
Consumer complaint: Lis Pendens finally released after fighting with GreenTree/Ditech with the help of HUD, XXXX, XXXX and Florida 's Hardest Hit. However, the process was a nightmare with Ditech they did everything possible to foreclose on us luckily I had big guns behind me. The rep from XXXX ( HUD affiliate ) had to do a couple of conference call with Ditech and myself on the line to straighten Ditech messes up..after getting all the paperwork for re-modification which was submitted in a timely manner TWICE received letter from Ditech informing us we were denied modification as they did not receive paperwork on time. When the XXXX package of identical paper arrived at my house I contacted XXXX Our rep from Greentree, the only person I was allow to speak to at Greentree, Of course as always XXXX does n't answer his phone ever, left voice mail asking why do I have these same doc 's what should I do ... .No response ... called again ... voice mail to date I have not heard from XXXX ... NO letter no call just left me hanging so, another XXXX conference called got it straightened out to which Ditch admitted they Had all the paperwork needed for the re-modification but, we did n't sign the papers in the right way ... so DENIED!!!!. It 's been a total absolute NIGHTMARE dealing with this company..true bottom feeders. Re-Modification started XXXX 2015. When submitting XX/XX/XXXX payment via XXXX XXXX XXXX, ( can not trust Ditech website to actually process a payment as I can not Even contact them using their own contact form.on their own site, advised the company several times, no improvement ) noticed a fee of {$55.00} thinking that was a late charge I emailed the company using an email address from customer service, Ditech states it can take up to a month for an response. Today I received a letter from Ditech referring our account to a specific rep and contact her only, no answer to previous email. Called the rep today and asked why is my account being charged for XX/XX/XXXX and Now XX/XX/XXXX a {$55.00} fee, what is that for??? Informed that my payments went up an additional {$55.00} per month for the next 10 months for legal fees. Amazing that fee just occurred in XXXX 2015 and not on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XXXX 2015 started in XX/XX/XXXX No letter stating anything no correspondence of any kind alerting me to the increase of any fees ... After all the work to get our account current I am now behind exactly {$55.00} for fees that JUST Appeared ... Spoke to Ditech manager and lost it after all they have put me personally through I am going NUTS with this company and I can honestly say I hate them. Yet, here they are working with XXXX a federal government program for the people and XXXX is now connected with the lowest of the low, complaints reign supreme for Ditech so, ranting online about them is useless Yet, they giving out loans via XXXX I want to warn Americans STAY AWAY FROM DITECH. XXXX Pay attention to Ditech..they are the worst mortgage company out there 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Ally Financial is reporting our car loan as 30 days delinquent for XXXX 2015 ; this is an error as we bought a new vehicle during this period of time and refinanced this loan as part of the new vehicle loan ; the approval for the new loan extended beyond the due date for the old loan, but, of course we did not pay because the new financing was still in the approval process ; we were informed by an agent at Ally Financial that this would NOT affect our credit ; however, we now find that Ally Financial is reporting to both my husband and my credit report that we were 30 days late on the old loan for XXXX 2015, in spite of what they previously told us! 
We have disputed this erroneous reporting both with the credit reporting agencies and directly with Ally Financial and Ally Financial arrogantly refuses to change it ; this erroneous reporting is hurting our credit but Ally Financial obviously does not care! We have been approved for the new car loan and have faithfully made our payments ; further, we have been faithful customers of Ally Financial for some time and have consistently made our payments on time. 

Company response: Company chooses not to provide a public response
Consumer complaint: The XXXX charges on my credit account has been paid in full, and have not been removed from my credit acct, which causes me to have a lower score than I should. Please look into this matter, as it hinders me from obtaining credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian started charging me for some sort of service which I never authorized : Pending Transactions Note : Debit card transaction amounts may change ( Learn More ) XX/XX/XXXX PURCHASE Experian XXXX XXXX CA XXXX $ XXXXPosted TransactionsXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XXXX Experian XXXX XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX XXXX XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX EXPERIAN SCORECARD XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXTotals {$0.00} $ XXXXUse the menu above to view account history since XX/XX/XXXX for th 

Company response: Company chooses not to provide a public response
Consumer complaint: Lender refused to issue Loan Estimate until I locked in an interest rate. Mortgage application was made on XXXX/XXXX/2015, I requested the Loan Estimate XXXX times. As of XXXX/XXXX/2015 I still have not received the Loan Estimate. Loan Officer stated that I will receive the Loan Estimate only after I agree to lock-in an interest rate. 

Company response: Company chooses not to provide a public response
Consumer complaint: The website was very confusing. There are XXXX things WRONG on my personal record. 
XXXX WRONG addresses : ( I looked them up on the Internet ) I never lived at XXXX XXXX XXXX, XXXX , TX . XXXX ( it 's low rent housing ). 
I COULD N'T have lived at XXXX XXXX XXXX, XXXX, TX. ( it 's a XXXX ). 
I was NEVER employed at XXXX XXXX XXXX. They manufacture XXXX XXXX XXXX. 
When I lived in XXXX, I was the morning radio partner of XXXX XXXX at XXXX. 
I was known as " XXXX Summers '' on the air, as ALL people in show business, do NOT use their REAL names to protect their PRIVACY. 
Yet, somehow, my REAL identity was STOLEN, and I 'M the one who 's been fighting it for30 YEARS now. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015, I went to Consumer Financial Services in an attempt to finance a vehicle. After, finding the vehicle I wanted, paying a down payment of {$500.00} and signing the contract, I waited for car to be brought around with the necessary registration. Soon after, the owner was unable to find the registration and advised his porter to drive me back to the car lot of XXXX XXXX XXXX to pick up some temporary plates. The porter drove the vehicle to the car lot and in route, the car 's engine blew up. I immediately advised that I was not interested in that car or any car from their lot, and would like my money back. The owner than informed me that he could hold my deposit until to 30 days, but would give it to me the next day. The next day came, no money, the day after and no money. Finally I contacted the police and they advised that they could do nothing, as this was civil matter, however, they would see if they could reason with the owner to give me my money back. The owner did not show up that day to speak with police or myself and kept having the ladies in the office to say he was n't there. On the 3rd day, he finally gave me a call to pick up my funds. Fast forward to XXXX XXXX, 2015, I pulled my credit report and found that Consumer Financial has put this car on my credit report even though I never received a vehicle from them and my deposit was returned. I contacted their office and they informed me that the car could not be removed from my credit until they sold it and hung up the phone. I tried calling back and once they knew it was me they would hang up. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am protected by chapter XXXX bankruptcy from having creditors report me as late or showing a balance that is inaccurate. on my experian credit report XXXX accounts, XXXX are shown as reporting late payments and balance due. The accounts in question both note that I am a chapter XXXX wage earner. these accounts are reported correctly on my XXXX report but are not accurate on experian or XXXX. Per my bankruptcy confirmed in XXXX 2013 both of these accounts are included and should be reporting no late payments and XXXX balance. I have made all my bankruptcy payments on time to my trustee and i believe that this is a violation of the fair credit reporting act. This is causing an issue. i am trying to get an fha streamline loan and this inaccurate information is preventing me from moving on with my credit recovery. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 XXXX Bank requested and received my credit report from your company. To my knowledge, XXXX Bank has absolutely no permissible purpose ( as stated on the Experian website ) to request or receive my personal information. They offered me no credit, they do not employ me, they are not a potential investor, not a current creditor, nor do I have a mortgage with them or anyone else. I have absolutely no affiliation with XXXX Bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm a victim of ID theft recently. It puzzled me that the ID thefts were targeting specifically all creditors/accounts we have or had business with. They tried to change contact information, requested replacement cards and tried to open new accounts. I saw in my credit report yesterday an inquiry from Credit Karma from about 2 weeks ago just when all that started to happen to us ( my wife as well ). So, we tried to open Credit Karma accounts for ourselves yesterday just to find out that the ID thefts have done that already with our SSN, DOB, and other information to pass the security questions and therefore we can not open accounts ( accounts are linked to email addresses provided and based on the error messages and email address fragments they are not ours. We do know the fraudulent email addresses used from creditors informing us about fraudulent account opening attempts ). And with accounts in Credit Karma they have free access not only to our credit scores and score monitoring, they also have free access to our credit reports from XXXX and XXXX and with that they have ALL the information needed to pass any kind of security or verification questions to get more reports, open account, or worse could possibly lock us out of our own credit reports. Unfortunately, Credit Karma does not have a phone number listed at all so one could talk to a live person to address this fraudulent issue. They only have an email request portal and we are waiting to hear back from them ( per other user feedback, they are not very good at getting back at people ). And, we have been waiting for 2 weeks now for our local PD to write an ID theft report so that we could take action to place an extended fraud alert or security freeze - can we actually place both? So, at the moment, we are sitting ducks. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I Have Protection alerts and services with wells fargo, they let another person use my account, and committed fraud, which is a business account, the person who done this crime is an employee.. they let this person forge checks and credit cards about 10 different times, didnt even call me or anything, why did they let someone get into my account with out permission, or a phone call, or an email alert 

Company response: Company chooses not to provide a public response
Consumer complaint: I had my credit card number stolen in XXXX of 2015. It was my Carnival MasterCard through Barclaycard services of Delaware and the merchant of the charge is actually the one who phoned me the following day after it occurred and asked me if I made the charge, which I told him I did not, so I then proceeded to call my credit card company and explain to them the situation. They did immediately send me out a new card and number and at that time I thought and from the way they explained it that it would be resolved in a few days. On XXXX XXXX, 2015 I called them again because I noticed the charge was still on there and they basically said they had n't been able to reach the merchant which I have a hard time believing since it was XXXX. So I filed a complaint and was given a complaint number. It is now XXXX XXXX, 2015 and the charge is still on there. They told me on the day I filed the complaint that it would take 45 days to resolve and it is still not resolved. I have been a loyal customer for years with this company and have paid off my card in full several times, am always on time with my payments and this charge is still on my card. I find it ridiculous that this is occurring. I use this card a lot and I have never questioned a charge before and they are basically treating me like I am the criminal and I am absolutely getting nowhere with them. So that 's why I am writing to you. 

Company response: Company chooses not to provide a public response
Consumer complaint: We believe this is a fraudulent cell phone account opened in my name. We sent a letter copied from the CFPB web site and requested all information related to this supposed debt. The letter was sent certified mail, return receipt, and was signed for on XXXX/XXXX/15. We asked for them to cease all contact until the requested information was supplied. To date, we still receive multiple calls/day on multiple numbers ( home, personal cell, etc ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a Citi credit card customer for more than 7 years. I made a credit line request from online account on XX/XX/2015. The request has resulted in a Hard inquiry on my credit report. The credit line increase with citi card has always been a soft inquiry for me in the past. I contacted customer service and they informed me that the online credit line increase requests are hard inquiry and the credit lime increase requests over the phone are soft inquiry. However, the website does n't mention any disclosure or notification while I was making the request. The representative asked me to fax or mail the Citi Bankcard Credit Bureau Dispute department.So, I faxed them on XX/XX/2015 explaining my case but I did n't hear back anything for more than two weeks. So, I contacted Citi customer service again as there was no way for me to contact their credit bureau department via phone. This time I asked to be connected to a supervisor. I had to explain my case all over again. After listening to my case supervisor told me that either online or over the phone it should have been a soft inquiry and the customer is always asked if it will be a hard inquiry. So, she assured me that this hard inquiry will be removed and she has escalated it to the Credit Bureau department. 
I received a letter dated XX/XX/2015 and Case no. XXXX stating they are unable to remove the inquiry from my credit bureau report but there was no explanation on why it can not be removed or why it resulted in a hard inquiry. 

Citibank should be transparent in their policies across platofrms ( i.e. phone or online ). Also, they should properly train their representatives as I got different information from thecustomer service agent and the supervisor. Lastly, they should value customer 's time as I had to call multiple times and explain my situation all over everytime. 

Company response: Company chooses not to provide a public response
Consumer complaint: I hired all state vanlines to move me from XXXX to XXXX in an XXXX wheeler. Gvae them {$1400.00} down. when they showed up on XXXX they were in a rental penske truck ( like a XXXX uhaul ) with another families belongins on it already. I went directly to wells fargo bank across they street and put a stop payment. called all state and they said too bad. I had to leave XXXX of my belongings behind. then i proceeded several times to mail, fax all the documents to wells frago. as of XXXX they are reversing the charges. this is in the handle of XXXX and the attorney generals for consumer fraud. Wells fargo had all the info to make the correct decision and they did not do it. they screwed me too. i am on XXXX and will never be able to replace XXXX out of XXXX pieces of destroyed furniture and they money that wells fargo is reversing will never be able to be repaid.all becuase wells fargo ca n't do their jobs properly 

Company response: Company chooses not to provide a public response
Consumer complaint: Mortgage service " Loan Depot '' has not applied timely partial payments we have made to them under the terms of the loan contract or follow FTC rules concerning how payments are applied. This scam is to delay the payment application to well past the late due date and then charge a {$81.00} late fee, which is detailed in the " Loan Statement '' under " Transaction Activity '' and the activity is outlined in item XXXX on the back of the " Loan Statement '' in section " Payment Information ''. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo financial services is reporting a late payment history incorrectly. I mailed in my payments. They issued XXXX account number to me initially then did not inform me until this past XXXX. Also, they charged me for forced placed insurance when I had insurance on the car. I have made all attempts to correct however, theyou only partially corrected it. I also request that the XXXX they changed me be credited to my paments, they refused and credited to my principle balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a mortgage through US BANK and they have been working on it for almost 45 days now. I get a phone call yesterday stating we ca n't close on time because they do n't have everything they need done. The bank would call us and give us less than 24 hours to get them what they need instead of calling ahead and letting us know what they need to get the loan to close. Then they say they wo n't be able to close for an additional 2 weeks. They push all the blame on me and my agent saying that if we would have gotten everything to them in time they would have been able to close the loan. However they had everything except the final inspection done. So I pulled my loan from them another lender looked at it and said the reason they ca n't close is the paper work us bank had set up was wrong and would not be a qualifying loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015 I made a mortgage payment to the Suntrust Bank at XXXX XXXX XXXX and the payment was misapplied, which showed a non payment for the month of XX/XX/XXXX, which it was intended to be. Instead it was applied for XX/XX/XXXX. 
This is now the second occurrence this year and the first was in XXXX at the XXXX XXXX XXXX. 
I received a call in XX/XX/XXXX of this year stating that I was over due in my payment and had to prove to the bank that in fact it was there error. It too three weeks for them to correct. 
The correction for XX/XX/XXXX is still pending. 

Company response: Company chooses not to provide a public response