AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We were told by Bank of America ( BoA ) that we were required to pay Flood Insurance. They added the cost to our mortgage payment as escrow. We disputed it, telling BoA that the home was not in a flood zone and were informed that based on the FEMA map it was in a flood zone. My wife called to find out what we needed to do to get this Flood Insurance requirement removed. She was told by the BoA representative that we need proof from FEMA that the home was not in a flood zone and that we would have to pay the Flood Insurance premium until we provided such proof, but that if we were correct and the home was n't in a flood zone the Flood Insurance premiums would be returned to us if we requested a return of paid premiums. 
We provided the FEMA determination and a request for a return of the paid premiums and called to follow up. We were directed to contact the insurance branch of BoA who informed me that what we provided only removed the home from the map as of the date of the letter. I contested that this means the home was and is not in a flood zone and the letter also says that any XXXX will refund the premiums paid for the current policy year. At which time the representative informed me that we did n't have XXXX, even if our escrow account says Flood Insurance. And they would not be refunding our paid premiums. 
I told her that " they misinformed my wife and that they just want to keep our money. We never needed the insurance and do n't need it now and this money should be refunded. '' to no resolve. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I got divorced and were forced to sell the house due to financial issues. The sale is a short sale as we owe $ XXXX and the house is only valued at $ XXXX due to the economic situation in our area. We put the house up for sale on XX/XX/XXXX and finally received an offer on XXXX. We are currently XXXX months into the short sales process and should be closing in the next XXXX days. On Friday, XX/XX/XXXX, I received a letter from the XXXX mortgage company, Bank of America, informing me that our mortgage was being sold to XXXX XXXX on XX/XX/XXXX. We have done a lot of work getting the short sale process completed, but we may have to start the process all over again with XXXX. My concern is that I may lose my buyers. They have been very patient and understanding but this may take another XXXX days and they can not wait that long. I am currently XXXX months delinquent on my XXXX and XXXX mortgage, and foreclosure is a real possibility now. 
Is there any help I can get for this issue? My XXXX mortgage is with XXXX and I have had no issues with them at this point. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been instructed by SunTrust Mortage rep over the phone that I need to come up with {$11000.00} cash to be able to cancel MIP or Mortgage Insurance from my FHA loan. I have secured the fund with difficulty and mailed them the check ; however, the institution declines to cancel MIP. The office of president is simply telling me it was a mistake! I want Suntrust either remove monthly MIP or refund my fund with damages that caused me such as processing fee, application fee and the interests on the fund. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank XXXX credit card charges a {$75.00} annual fee, and the main reason i paid for this fee is because the card provides a benefit ( last night free on point stays, when booking XXXX or more nights XXXX. 

This benefit was taken away, and no refund of my fee has been offered. I 've asked and have been told that they can not refund the fee. I paid the fee based on this benefit, and want to cancel my card now as this was taken away. I want my fee returned XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did n't receive a XXXX Notice which is required by law prior to collection a debt. The debt has been paid in full. It should have never been reported. I take care of my financial matters and would have never ignored a XXXX Notice. 

Company response: Company chooses not to provide a public response
Consumer complaint: Approximately every XXXX months ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I get a hard credit inquiry from XXXX. I have never authorized this hard credit inquiry and I would like this company to stop making hard credit inquiries. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir, I have submitted a written request to Central Credit Services for the validation of debt. I have yet to receive the information requested in writing. The request was sent on XXXX/XXXX/15 and accepted on XXXX/XXXX/15. Prior to the written request, I have had XXXX verbal communications with the collection agency. I believe that they are in violation in a number of statutes and my credit profile should be expunged of these items. 

Company response: Company chooses not to provide a public response
Consumer complaint: I visited Macy 's on or about XXXX XXXX, 2015, with friends. I was asked if I wished to if I if I wanted to apply for a Macy 's account to receive an additional discounton the purchase ( & gt ; {$15.00} total purchase ). I was asked for my identificationand to fill out an application ; I complied with both requests. After somemonths I noticed that I had not received a bill or the card for that matter. 
I contacted Macy 's by phone and spoke to a individual regarding themissing bill and card. We discovered that the wrong address had beenentered for my mailing address and that the bill and card were returned. 
I gave the individual the correct address which was on the application Ifilled out and it was agreed that the bill should come to the addressindicated on the application. I was then told that I would be responsiblelate fees in addition to the interest and that they would not considerremoving the additional charges even though it was the company 's oremployee 's error. Had she ask me if the address on my license wascorrect I would have told her to use the address on the application I wasrequired to fill out. I will gladly pay for the XXXX that Ipurchased, however, I refuse to pay for employee/company error. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm am submitting a complaint against TCF Bank and their ridiculous overdraft fees that they themselves are controlling. I can not understand how when I write checks at a local supermarket that has daily deposits my bank can hold onto checks until my account draws low enough to that when the check clears I will overdraw. This has happened to me countless times. Last week I was charged an overdraft fee XXXX minutes after using my card, which I had done all day. I went to TCF and asked how this was possible and they told me I did n't have sufficient funds. Then how was I able to use my card all day if I did n't have money in my account? Conveniently, this has led to an additional XXXX overdraw charges at {$37.00} each. I am currently overdrawn by {$78.00} with another charge coming. All stemming from their incorrect charge a week ago. I am seeking for them to replace the {$220.00} in overdraft fees they have caused in the past weeks. I also would like an explanation how XXXX check can clear in 3 days, while another at the same location takes 8 days, and then XXXX other checks that were written 5 days apart can clear on the exact same day? I am fed up with this establishment stealing my money and crushing my life. I 'm trying to raise XXXX children and help my struggling fianc and as it stands now we wo n't be able to afford our rent payment thanks to this big bank. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX I started the process of getting a forbarance agreement on my Wells Fargo mortgage.To reduce my monthly mortgage payment.The reason for request was loss of job.My husband was layed off due to lack of work, he is a XXXX.we were granted a forbarance agreement.Our payments were reduced to XXXX.The XXXX 6 months was a trail period then after the XXXX months of paying payment every month on time it became a permanent agreement.In XXXX of XXXX we declared chapter XXXX bankruptcy.Our home was exempt from the bankruptcy.Our discharged was in XXXX XXXX.In XXXX XXXX when I called to make a payment they told me they could n't accept the payment, The reason they said was they, sent me paperwork and I did n't return it.I never received any paperwork.They took the payment and told me They were gon na send me a new packet and I had to complete it and send it back before next months payment would be accepted.I submitted paperwork they accepted payments up til XX/XX/XXXX.In XX/XX/XXXX I received a paper that I had to go to court cause I was losing my home.I called Wells Fargo spoke to a mortgage specialist she told me I was missing paper out of packet they sent me.I was told ito resubmit paperwork that was missing, after they received the paper I was told to disregard the court date they were processing the paperwork and they would contact me.The paperwork I filled out was a application for a forbearance agreement-when I asked why I had to fill out this paperwork was told it was to up date my account. The notice for me to go to court was given to someone sitting on my front step on a Sunday.XX/XX/XXXX payment was returned to my checking account I was not notified of the returned money til weeks later when it appeared back in my account.When I called about returned payment was told there was problem with paperwork a few days later I received a final judgement from the courts stating i did n't show up at hearing and I was losing my home.Called Wells Fargo spoke to someone about the paper I received.was told to resist missing paperwork and she contacted the underwriter to stop the sale of home.I have been in contact with them for the last few months on a weekly sometimes daily basis.been assigned numbous specialist.Therre still is no resolve every time I speak to a new person there 's a new problem.now I received a paper stating my home goes to XXXX sale XXXX XXXX. They have not accepted any mortgage payments since returned payment in XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/2015 I purchased a bed from XXXX 's XXXX. They got me their credit card from Wells Fargo bank and applied a {$450.00} charge to the card. 

On XX/XX/2015 they charged me another {$3800.00} This is a legitimate charge for the purchase of the bed on XX/XX/2015. 

On XXXX Wells Fargo charged me a late fee of {$26.00}. It had been less than a month since the purchase - and I had not received a statement. 

On XX/XX/2015 ( when reviewing my bills ) I found that I had been charged a late fee. I called Wells Fargo and was told that the late fee would be reversed. I also paid {$500.00} on the card balance and setup automatic payments so this would n't happen again. 

On XX/XX/2015, while checking my account, I found that the {$26.00} service fee was not reversed. I called Wells Fargo and was told that the service fee could not be waived and that the account was in collections! At that point I requested that the account be closed - which I was told was done. 

I then wrote to XXXX 's XXXX to complain about this, and the wrote to you. 

After sending this letter to you, I will pay off the full amount due to Wells Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: Phone number XXXX calls and a recording says the call is for someone who does NOT live here. I have notified them XXXX times that the person does NOT live here and the robot continuously calls back. 

Company response: Company chooses not to provide a public response
Consumer complaint: General Service Bureau sent a collection letter with an amount owed by myself. An additional letter was also sent to my spouse who is not on my account. He is only listed as an emergency contact. 

The General Service Bureau sent the same collection letter addressed only to my husband with the same collection amount. In addition, to sending this letter they also called to speak with him about this debt. Once again, he is not on my health insurance account - nor is he provided access to my health bill information. I have copies of both letters that show XXXX letter is addressed to me for {$190.00}, account # XXXX. The other letter is addressed only to him for {$190.00}, account # XXXX. This is a predatory collection practice that should not be allowed by any collection agency. In addition, sending a collection letter to an unrelated party is illegal. If the procedure or hospital visit I was seen for was not to be disclosed to my spouse this letter could cause a potentially damaging situation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a series of calls and an email to activate a Citibank commercial credit card that I neither received nor applied for at any time in the past. 

According to the " Citi Commercial Cards Team '' : We recently sent you a new, Citi Chip and PIN card to replace your old, magnetic stripe card. Our records indicate that you have not yet activated your card and selected a XXXX-digit PIN. 
To activate your card, call toll-free XXXX or visit XXXX.citimanager.com/corporateWhen I called, I was put on hold for a " XXXX '' and no one ever came back on the lie for XXXX-minutes. 

I suspect that either I am a victim of identity theft, and/or some form of scam - as I can not get a response from the people who claim to have issued this card. There is some big mistake in their issuing a card to someone else, or this is a scam/fraud that needs to be resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: IQ Data International has not provided validation of a debt as requested. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XX/XX/XXXX I opened a Citi Gold account with a XXXX deposit Citibank were offering a XXXX bonus after this had been left in the accound for a minimum of three months and found this was a far better return than interest rates from any bank. This account was opened by a 'new accounts manager' at a local branch and my regular Citibank Debit card was used to get all the details about my account. After XXXX months I enquired when the bonus was going to be paid and they explained that payment would be deposited in anytime upto XXXX after the initial XXXX months.  I was perplexed about this but though maybe it was in the small print and accepted this. After the XXXX month mark I enquired again about payment of the bonus payment and Citibank then said I hadn't made any electronic payments from my account which I had done to pay my credit card off so they then did a XXXX degree turn and said that it was because I already had an account which I opened in XX/XX/XXXX. I made it very clear when I opened this 'new' account the reason opening it was because of the bonus and the fact they opened it up with information from my existing Citibank Debit account card clearly identifies that I already have an account. I would have been more than understanding if they had made it clear that this offer was only open to new customers with XXXX to leave in their account for XXXX months but this wasn't and find it incredibly deceptive.
Company response: Company chooses not to provide a public response
Consumer complaint: I have a Citi Bank credit card that has been turned to an attorney for collections and a judgement has been issued against me and I am trying to short sale my house and the attorney handeling this account is not willing to issue a partial release or negotiate a settlement so my home can be sold opposed to being foreclosed upon. I was never served by the attorney or Citi Bank therefore I feel the judgement is invalid. I am asking for assistance in getting Citi to resolve this issue.
Company response: Company chooses not to provide a public response
Consumer complaint: original debt was XX/XX/XXXX in the state of XXXX. It was filed in XXXX by H. Kent Hollins. Law Firm. H Kent Hollins # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX address : XXXXXXXXXXXX ( XXXX XXXX XXXX ( Local no. ) ( XXXX ) XXXX ( toll Free no. ) It 's over 15 years old and they are trying to collect from me. They garnished my bank account with XXXX XXXX XXXX in XX/XX/XXXX of this year and I had to contact the XXXX XXXX XXXX XXXX order processing. XXXX XXXX XXXX XXXX XXXX XXXX and the Legal Levy Department Regarding to Reference # XXXX. I did file another complaint with your agency before and I though this matter was taken care of and the bank was able to remove the restriction and restore my account. H. Kent Hollins, sent me by mail a form regarding to the debt. And then filed another garnishment against my account on XX/XX/XXXX. The bank is informing me that even though this is fraudulent, they are under the order of the collection agency, until this matter is resolved. This collection agency is very aggressive and they are not conducting their services in professional manner by refiling again. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I make my monthly mortgage payments to U.S. Bank Home Mortgage, XXXX XXXX XXXX XXXX, OH XXXX. I make efforts to pay my mortgage in time and also be up-to-date with my payments. My regular mortgage payment is {$1300.00}. 

I received from U.S. Bank Home Mortgage the attached Annual Escrow Account Disclosure Statement claiming that my escrow account is in shortage of {$1200.00}. The attached ESCROW SHORTAGE COUPON from the bank states that if I elect to pay the entire shortage amount, my new monthly payment will be {$1400.00}, effective XXXX/XXXX/15, based on an Anticipated Annual Disbursement. 

I then contacted the Customer Services of U.S. Bank to be clarified on the content of the Annual Escrow Account Disclosure Statement. I was then informed that my property tax was increased by the County that was why there is a shortage in my escrow account. I then made multiple calls to The XXXX to confirm if my property tax was increased. Each of the officers that I spoke with reported that there has been no increase in my property tax. 

Based on my findings, I responded to U.S. Bank with a letter titled, RE : Annual Escrow Account Disclosure Statement. I stated in the letter that XXXX reported that there has been no increase in my property tax. The letter is attached. 

U.S. Bank responded with a letter titled, Re : Loan Number XXXX, and insisted that I pay {$1500.00} as my new mortgage. The letter is also attached. The bank followed up with phone calls insisting that I make the new mortgage payment. 

The tax details of the property in question is attached as Real and Personal Property Tax for XXXX XXXX, MD. 

When I checked my credit report from XXXX, under Mortgage, it is reported that my Monthly Payment Amount is {$1500.00} instead of {$1300.00}. I have mailed checks of {$1300.00} each month to the present month of XXXX. The checks were successfully cashed by U.S. Bank, but my credit report states that the date of my last mortgage payment is XX/XX/2015. This can potentially hurt my credit score. 

I contacted an Attorney to help address this issue, and after reviewing all relevant documents, a letter was sent to U.S. Bank Home Mortgage from the Law Offices of XXXX, XXXX XXXX XXXX, XXXX. The Law office advised U.S. Bank that my property tax was not increased as claimed by the bank. The letter from the Law Office is attached. 

In addition, the Attorney advised that I bring this issue to the attention of Consumer Financial Protection Bureau ( CFPB ) ; and I humbly seek your help to address this issue, which will potentially protect me and many other innocent consumers from certain practices. 

I respectfully thank you for your time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by a XXXX to contact XXXX with a file number XXXX. I contacted the number and everyone i talked to was rude. The voicemail stated that there was a case with my apartment complex. The XXXX person I talked to was XXXX XXXX every time i asked a question she was rude. She stated that I was going to be served today and I looked on the county website for any court documentation and there is none. She stated that they have the right to garnish my wages and that information is being sent to my payroll department when I get served. She stated that in Ohio debtors have up to XXXX years to collect a debt and they are requesting that all my bank accounts are closed immediately and I wont be able to open a account within the next XXXX years. They said XXXX has tried to contact me. They said the FDIC is looking to sue me and have no problem doing it. He said they will put a lean on my car and they see based on my credit report that I have been making the payments and I have a nice job so why not sue you. I asked about the date the compliant was filed in court and i was put on hold then a guy named XXXX XXXX. As soon as he got on the phone he started saying since you want to be diffcult in the state of Ohio we have the right to collect the debt up to XXXX years you will never get away from the debt. You have a good job so we are going to sue you if I dont pay large amount by XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: The I.R.S. had placed a Federal Tax Lien on my personal credit report and I paid my taxes in full on XXXX XXXX, 2014 and they will not correct this. I have contacted Senator XXXX XXXX office for assistance in getting this removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo dealer services is reporting a 60 day late on all credit reports. I was told by XXXX in their collections department that if I paid a set amount they would move my XX/XX/XXXX payment to the end of my loan and I would not receive a late mark on my credit. Wells Fargo did not follow through and I now have a 60 Day late mark, even though I completed everything that was asked of me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I spoke with the rep XXXX and informed him this was my work # he was calling and indicated I recorded the conversation asking him not to call the work #. He said that wont happen and hung up on me. I also forwarded a text message to the # he called from which is the same # calling my job now everday. I have those calls and message saved even though it is an automated call. It has been over XXXX times now. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: The I.R.S. placed a Federal Tax Lien on my person credit report and I paid the balance in Full on XXXX XXXX, 2014. I want this removed ASAP this is hurting my credit score 

Company response: Company chooses not to provide a public response
Consumer complaint: I called United consumers inc. to inquire about a bill that has linked to my credit when i was on my fathers insurance as a dependent. The male named XXXX was very rude when I was trying to resolve the issue he would n't give me a chance to tell him my problem i was actually trying to see who should I talk to about my issue instead of him helping me he raised his voice at me in a aggressive scary manner. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America states they do n't have the requested information ; however, Bank of America was the primary and master servicer this of loan from XX/XX/XXXX until XX/XX/XXXX. Bank of America transferred the primary servicing rights to XXXX on XX/XX/XXXX. As the master servicer Bank of America should have the requested documents in it 's possession. 

Company response: Company chooses not to provide a public response