AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I opened a Rewards Money Market Savings Account with Bank of America. Upon opening the account, I was informed that a {$12.00} monthly charge existed unless certain conditions were met, including linking my savings account to a Bank of America Checking Account which I also have. I proceeded to follow the steps to link the accounts and confirmed on the Bank of America website that my accounts were linked. However, I noticed that my account was still being assessed the monthly maintenance fee. Upon calling Bank of America, I was informed by a customer service representative that the " linking '' of accounts occurs behind the scenes and is not customer initiated. I was informed that I had only " linked '' the accounts for overdraft protection, and despite the information on my account webpage stating that the accounts were linked, they were not linked for purposes of waiving the monthly maintenance fee. I was further informed that I could not see from the website whether or not my accounts were " linked '' for purposes of waiving the monthly fee. Please be aware of this misleading a deceptive practice by Bank of America. While it cost me a relatively small amount, there could be much greater effects for others. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I do not owe any credit card with this institution. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: A review of my credit report shows an erroneous charge by XXXX of {$2300.00} ; for what I do not know. In 2011, I departed my rental unit with all rents paid. Now they seek an enormous sum of money for services I did not incur. They violate the Fair Debt Collection Act and the Consumer Protection Law. Their erroneous credit reporting has severely impacted my ability to live a normal life ; such as rent an apartment or purchase a car. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: XXXX XXXX for debt validation I have had my rights as a Texas consumer violated and ignored. I sent Americollect Collection Agencya debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company I letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in 2 ways. 1, for ignoring my request, and 2, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus XXXX. There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by Americollect Collection Agency and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. In XXXX of my uploaded documents, Americollect claims that I mailed them some sort of document in XXXX and in XXXX of this year. This is false. I disputed this debt with the credit reporting bureau 's previously this year. I disputed out online and each time I never received results, or any type of document to prove this is my debt. That is why I physically drafted my own debt validation letter and mailed it to Americollect because I 'm tired of being taken advantage of. Also in the Americollect response letter I uploaded, they ignore my resolution. I feel they do not get a XXXX chance to to validate this debt. I gave them XXXX chances already this year, and I was ignored. I 'm trying to take the responsible approach to handle this debt, and they are treating me unfairly. They as a company need to respond in a timely fashion to my debt validation requests, not when they feel like it, or when I have their attention with this complaint in fear of legal responses. Also, they state they mailed me documents in response to letters I allegedly sent them earlier this year. This statement is false. I never received anything. Please show me XXXX slips that I signed and received they 're letters? If you ca n't furnish such proof then I 'm not sure what to tell you. But I think it is a lie to cover up something. Please delete the reporting of this debt from the reporting bureau 's. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm a victim of identity theft and someone took my information and try opening up lots of accounts in my name. XXXX XXXX XXXX I have XXXX account with XXXX XXXX that I apply for on XXXX/XXXX/XXXX and I still have that account, next there 's XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I never apply for any account with this company. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am contacting you again regarding my initial Case number : XXXX. I requested a copy of my credit report and sure enough Bank of America is still not reporting my information accurately. I tried going through them, and I tried going through XXXX and the problem is still not fixed. Bank of America is reporting that my mortgage is CLOSED and they did not report my payment that they received ON TIME for the months of XXXX, XXXX, XXXX and XXXX of 2015. I need them to fix this. Mortgage credit scoring has a huge impact on a persons credit score so it is very important that they do the right thing here. They need to report those payments, and they need to report this account as OPEN in order to fix their mistake. They have reported subsequent payments, but not those particular months. Please help. It is unbelievable that I had to come back to you again, but here I am still fighting with Bank of America. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am supposed to be covered under XXXX credit card for travel cancellations if something happens. My uncle died and I cancelled my flight and sent them the documents they asked for ; they have done nothing except tell me they ca n't find the paperwork to now, we need more AFTER I left the country and now have no way of proving he 's my uncle, I provided the funeral paperwork I even sent them the cancellation emails from the travel agency it 's disgusting they are being fraudulent I would n't have bought the tickets with that card if they did n't cover it I could have got cheaper tickets and bought coverage elsewhere. What am I supposed to do ask my grieving aunt for her marriage certificate and then how do I prove she 's my aunt? It 's ridiculous and XXXX card benefits said I did n't need all of that?? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Wells Fargo will not let you pay a mortgage off at any of it 's branches. You must call a number to get your payoff amount. Then you must ( " XXXX a check or wire the money to them " ) this is what I was told. I pushed back and they said If they took the interest out several days the payoff would change but I could mail the check. Now you mean to tell me they do n't have the ability to do this in branch. They accepted every other payment on my mortgage at the branch. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I disputed with Transunion, but I have not received a final reply. I had to log in under " initiate dispute '' to view my credit profile and see that the items : XXXX XXXX, XXXX XXXX ( XXXX accounts ), and a bankruptcy appear on my credit profile. I started my disputes in XXXX 2016, and recently sent a final letter XXXX/XXXX/16 asking the bureau to send me documents verifying these account. These disputes are going on 6 months, and I have not received a document that validates these fraudulent accounts. As a victim of identity thief it is very important that these item be removed. Under FCRA section 611 ( a ) ( 7 ) a consumer has the right to ask for a receive verification documents within 15 days of an item being verified. My letter being sent XXXX/XXXX/16 asking for these documents is over 15 days old. Where are the said documents? My log in date for Transunion is dated for today. Still these items exist on my profile and still I have received anything from Transunion. As of yet, I have not pursued a law suit against Transunion, but as it is stated under law, I can initiate a law suit for resolution. This is outrageous, that it is taking this long to investigate and provide documents. It is hard enough being denied credit as a victim of identity thief. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a loan modification in XXXX. It took two years to complete because Wells Fargo did not read the faxes I submitted. This cost me thousands of dollars that was added to my VA financed loan. The modification was finally approved in XXXX XXXX. This placed my home up for foreclosure. I started payments in XXXX XXXX where Wells Fargo continued with the foreclosure my home was foreclosed on. The proof is public record in XXXX County Fl. I have been trying to get my home deeded back into my name so that it will be affordable since XXXX when I found out it was no longer deeded in my name due to a foreclosure in XXXX XXXX. Wells fargo has taken payments and no one knows how to get the deed titled in my name again. Because I am a XXXX veteran I am due tax breaks that would reduce my mortgage payments drastically and Wells Fargo, who is known to have defaulted and not worked with VA backed loans illegally still will not have my home deeded in my name. If I pay this home off tomorrow it will not belong to me. No one at wells fargo seems to think that my home was ever foreclosed on and does n't know where to send me to get it titled in my name. This is costing me more money. If I default on this loan I will be a homeless veteran with a child. Due to Wells fargo refusing to assist in this matter. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a home equity line of credit with Bank of America that is still showing as open after XXXX and a half years since my last payment. it then went to charge off status, but still shows as open. It should fall off my credit profile in the next couple of months. I have disputed this info with XXXX and B of A several times and they keep pointing the finger at eachother 

Company response: Company chooses not to provide a public response
Consumer complaint: We had been at XXXX XXXX XXXX in XXXX, California for almost 20 years. We refinanced our home with Country Wide Mortgage. When my husband applied for this, he was told by the agent at Country Wide that they had been instructed to lend to anyone with a heartbeat. 
The market collapsed, we were not able to keep up with our payments and contacted Country Wide. They were working with us and assured me that we could come to a settlement. I provided them with all the documentation they requested. Suddenly our home of over 20 years was up for public auction. I tried to contact County Wide and was told the person I had been working with was no longer there and they could not help me. 
We lost our home. I did not know there was an agency that might be able to help us so we left after paying a {$2000.00} per month payment for more than 20 years, we lost it all. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015, I received a court summons from XXXX XXXX XXXX for a debt. I responded via certified mail within the XXXX time frame asking for proof of the debt and for more information. I received no response. The week of XXXX, XXXX/XXXX/15 I believe it was, I received another court document from XXXX XXXX XXXX asking for a motion of default judgement against me. I was never contacted by Razor Capital, their client, nor was I ever contacted by XXXX & XXXX before receiving a court notice in XXXX. I have called multiple times and asked for the person named in the documents and he is never available. I have never even been given the opportunity to try and settle this claim. No reasonable offer has been made. There has been no communication other than XXXX court notices. I wish to avoid court if at all possible by I have never been contacted to try and work anything out. How can you threaten someone like this? Most companies send multiple letters or correspondence trying to resolve their issues before taking things to this level. I do not understand how people can do business in this manner. I looked up Razor Capital and they have numerous consumer complaints against them for collection efforts. Is this why they felt the need to send a law firm after me? If this debt is in fact valid, I would like nothing more than to come to a fair solution for both sides. All I 'm asking for is communication besides being threatened with court notices. Ca n't this be settled in a civilized manner? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America , N.A . lost 14 years of trust records in which I am a beneficairy and never informed me that it lost the records. Bank of America can not account for large sums of money missing. Bank of America refuses to compensate me for the lost funds. Bank of America has not reported to lost records and funds as it is required to do under the patriot act. 

Company response: Company chooses not to provide a public response
Consumer complaint: Recently noticed a debt collection record from ERC ( Enhanced Recovery Corporation ) for XXXX account stated as opened on XX/XX/XXXX. I was not residing in US from XX/XX/XXXX to XX/XX/XXXX. Also I did not got any letter later for account opened in XX/XX/XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I hired a law firm to help me with some of my credit issues. I have an account with XXXX XXXX and the law firm that I hired confirmed that the last time I made any payment was in XXXX of XXXX. According to my attorney, this account is past the Statute of Limitations and also past the reporting period for accounts to be reported on a persons credit report. They first sent out a letter via fax to inform them of what my attorneys stance was on XXXX XXXX XXXX. On XXXX XXXX XXXX I checked my credit report and the XXXX XXXX account still remains on my credit report. On XXXX XXXX XXXX, my attorney 's office called XXXX XXXX to follow up on the letter that they had sent. XXXX XXXX stated that they will continue to report it to the Credit Bureaus because the time started when the account was charged off in XXXX and not when I made my last payment in XXXX of XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There is duplicate reporting on my credit report for a home equity loan from XXXX XXXX and XXXX XXXX XXXX. The original loan was with XXXX XXXX who was bought out by XXXX XXXX. So the information is repeated twice which effects my credit score. The loan was eventually paid off in full ( {$180000.00} ) five months late. There is no balance. XXXX has XXXX XXXX reported correctly. However, XXXX Bank is incorrect and should be removed. Experian is also duplicated. XXXX should be removed and corrected. XXXX XXXX should show a XXXX balance and reflect paid in full. 
XXXX also reported XXXX XXXX and XXXX XXXX but the information is correct, XXXX should be removed. I hope that was not to confusing. Please see attached. I have additional paperwork if required. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo foreclosed on my home on XXXX/XXXX/XXXX. The foreclosure was performed by XXXX XXXX XXXX a Trustee who went out of business in XXXX, this action was followed by the foreclosure attorney 's XXXX XXXX XXXX closing their office. However, Wells Fargo foreclosure department is still providing a non working telephone number for XXXX XXXX XXXX ( XXXX XXXX XXXX, this number was given to me when I called to request a rescission of my foreclosure. We applied numerous times for a loan modification with Wells Fargo Bank without any results. Months would go by without any response from Wells Fargo wherein, we would submit another application for a loan modification. Both my wife and I have never spoke with our Point of Contact XXXX XXXX despite numerous messages left for him in response to the letters we received from Wells Fargo Bank. We received a one XXXX 1 XXXX year loan modification from Wachovia in XXXX, for {$2100.00}. However, Wells Fargo did not accept the previous loan modification nor did they offer us any alternative as evidenced by their application of our mortgage payments. WFB sent a Notice of Intent to foreclose dated XXXX XXXX, XXXX, despite having received a mortgage payment in XXXX XXXX, and applying XXXX payment out of the unapplied funds. Throughout the loan modification process we do n't remember receiving a formal denial letter from Wells Fargo Bank. We have formally requested a rescission of the foreclosure executed on XXXX/XXXX/XXXX, however, Wells Fargo has responded that they could not do anything because the foreclosure was held on XXXX XXXX, XXXX? We have included a postponement notice which states that the foreclosure sale will be held on XXXX XXXX, XXXX. As a former Wachovia Mortgage borrowers and has XXXX members we were entitled to receive notice of the Class Action which we did not, and Wells Fargo was required to review our loan for XXXX as our loan amount was eligible for XXXX XXXX XXXX. All we received was the runaround and non communication from Wells Fargo Bank, till this day, we have no idea who the investor is or if the Trustee 's California location was open or functional at the time of the foreclosure. Please review WFB letters to us none of them make reference to our loan modification being denied on a specific date, this confirms the fact that we never received a formal denial. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Being the beginning of the year, I decided to update my passwords and security questions on all my cc accounts. I started with my XXXX card serviced through Barclays. I was surprised that the website did n't ask for my password, instead it asked me questions that I had never submitted as security questions. Not feeling very comfortable I called the phone number and spent several minutes trying to confirm the correct website address - the rep advised that I had to provide my TIN and DOB to be able to provide me with the website address. I refused and finally got the address from her, but when I tried it, again, I had no luck. I tried to answer the questions, however, it did n't work. It asked several questions about people and places I was unfamiliar with - so I answered those and it tells me this failed and the site was blocked. So, I tried sending an e-mail, but that info is not provided unless you can access your account. I tried calling customer service again to ask for an e-mail address ; and again refused to provide personal info as I do n't believe this should be required for non-confidential info. After 10 minutes and getting transferred to a supervisor/manager, I 'm told they do not have e-mail addresses. I 'm also told that I must provide personal & confidential info so they can decide if they will assist me to close the account. I asked for another method besides phone to close the account, as I also could n't access the website. She advised I could only close by phone. I was told I could n't close it from the website, this institution does n't have physical sites, and I ca n't go through XXXX, as Barclays is the servicer of the credit card accounts. 
What can be done to cancel an account if the consumer does n't feel confident with the person on the phone or the security of the corporation? This company has a horrible website security profile and the phone is n't any better. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX - Barclays issued a Master Card credit card under my name and sent it to my previous address ( 15yrs old ) ready for activation. I did not submit information or apply for this card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a checking account with Bank of America that had been in dormantstatus for a number of years. My balance on the account had been close t {$0.00}. Without warning, they imposed a Monthly service fee of {$25.00}. 
I did not notice this until after the 3rd month where my current balancehad shown roughly - {$75.00} ( Negative {$75.00} ). I went to the bank and theywere unable to remove this. I closed out the account and it still showsa balance of - {$74.00} ( Negative {$74.00} ). 
I am asking for Bank of America to XXXX out my account at no costto me 

Company response: Company chooses not to provide a public response
Consumer complaint: On or around XXXX of XXXX I was conducting some regular banking at my Citibank branch on XXXX XXXX in New York. The branch manager recommended a credit card to me that call " double cash ''. His sales pitch was that I would receive 1 % cash back on all purchases at the time of purchase AND I would receive 1 % cash back at the time I paid my credit card bill. After six months of using this credit card I had built up, accounrding to my statement, a rewards point balance of approximately XXXX points with a cash value of around XXXX dollars. On or around XXXX of XXXX my card suddenly stopped working. After calling the bank I was told my account had been closed. No reason was provided. When I asked about the XXXX dollars I was owed I was told I was ineligible because the account was closed! This bank should be allowed to close any account they want. That is their right under the agreement. They should, however, be compelled to pay any money owed to me under the agreement. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX/NationStar letter dated XXXX XXXX, 2015 is inaccurate. My letter was not dated XXXX XXXX, 2015 but was dated XXXX XXXX, 2015 which was within 30day appeal window from the NationStar XXXX XXXX, 2015 denial letter. ( Please see CSPB Case # XXXX XXXX. On XXXX XXXX. 2015 NationStar Customer Relations denied HAMP 1, HAMP II and Standard Modification were Default not imminent. On NationStar letter dated XXXX XXXX, 2015 stating that our loan # XXXX was suspended because our account was not current. Therefore we are qualified HAMP1, II and standard loan modification. And I have appealed with in 30days on XXXX XXXX, 2015. XXXX XXXX purposely not tell the truth and denied the loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: IN RESPONSE TO BANK OF AMERICA N.A . STATED IN IT 'S LETTER DATED XX/XX/XXXX THEY STATED THAT THEY HAVE NOT FILED ANY COURT ACTION ON ME SINCE XX/XX/XXXX THAT IS A BLANT LIE, PLEASE SEE ATTACHED COURT DOCUMENTS THAT THEY HAVE IN FACT FILED NUMEROUS ACTION ON ME IN XX/XX/XXXX, AND PLEASE FIND ATTACHED CREDIT REPORT SHOWING THEY REPORTED AGAINST ME ALONG WITH XXXX XXXX SERVICE.IT IS IMPOSSIBLE TO DEAL WITH THESE PEOPLE THEY CA N'T BE TRUSTED.BOA FILING COURT DOC AFTER TRANSFERING THE LOAN.PLEASE ASK BOA TO EXPLAIN THEM SELF. 

Company response: Company chooses not to provide a public response