AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XX/XX/XXXX on or about XX/XX/XXXXon Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XX/XX/XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: Denied a Now Card account. Possibly because have no credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America, after my previous complaint, once again discriminated against me by refusing to provide me with the information necessary to assist a client who was XXXX, but her BoA account was frozen and she was unable to purchase food. I informed the representative that I was an attorney representing a client. Once again, I was refused assistance via chat, and via email. I was attempting to find out how to submit a power of attorney from my client so that I could determine what was happening with her account, and assist her. I was told that I was " required '' to use a TTY. When I informed the representative that this would be a breach of attorney client privilege as a TTY would force me to disclose confidential client information and PII through a third party, I was told that this was the only accommodation they provided. When I requested chat, email, or fax addresses for their legal department, I was told that information was unavailable. I wasted many hours between chat, emails, and faxes, attempting to resolve the issue for my client who was in a desperate situation. The representative told me that BoA " does not accept '' powers of attorney. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/XXXXon Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report.XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system. 

Company response: Company chooses not to provide a public response
Consumer complaint: NO Options for Underwater Refinance HARP Ineligible Loans : As I completed the initial steps of the refinance process over the last few weeks, I had some uncertainty as to appraisal value of my home but thought that it was presently an ideal time to attempt refinancing as there were numerous sales in my area in the last XXXX months and at increasing prices. The actual appraisal value of my home completely shocked and disappointed me. The appraisal value indicated that I am severely underwater by almost - {$80000.00} XXXX 80 % of the appraisal value in relation to the unpaid loan amount ). Refinancing, if it happens, is going to be a hurdle because according to Wells Fargo, the least amount of cash I would need to bring to closing is approximately {$45000.00}, with private mortgage insurance ( PMI ) premium payments each month. PMI will most likely take several years before it is eliminated based on how underwater I am currently. 
I want to honor my debt with Wells Fargo but I also want take advantage of the lower interest rates. I want to remain and continue raising my family in my home in XXXX XXXX. I am employed. Thank XXXX. I have never been late on payments of any of my debts, including my mortgage. Thank XXXX. I have a very good credit rating. Thank XXXX. 
I know that I am not eligible for assistance under HARP, because my original loan is not XXXX or XXXX XXXX. I was informed that my loan was packaged and sold by Wells Fargo to XXXX and that there are no programs to assist me, although I am underwater. This fact is hard to accept because accepting this fact would lead me to believe the saying that the " nice gals finish last ''. This is a saying I am not willing to accept because I always step out on faith. I do n't think my issue is a unique one and I hope something can be done to help me refinance. 
I am writing to bring this to your attention and I am hoping to get some assistance as the window for me to refinance is closing. 
There should be some help extended to homeowners like myself who want to take advantage of the lower interest rates but can not because of having a underwater value to mortgages who are not HARP eligible because banks pooled and sold mortgages to private investors who have not done a thing to help since the housing market collapse. Some pressure should have been placed on these investors and help extended whether for HARP eligible or not. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 my then girlfriend and I went to a Kay 's outlet store in XXXX to look at potential engagement rings. At that time an employee named XXXX began showing us rings and at first was very helpful, however when we told him we were unsure about how much I could afford to purchase a ring he started telling us he could check and see how much I could be approved for. He started having me fill out forms and had another employee show my girlfriend other rings. He eventually filled out XXXX for my girlfriend and had her sign the same form. We had made it very clear that we did not want to move forward with anything and the whole time he kept reassuring us that this would just be to authorize him to run our credit scores and that nothing would be opened and there would be no commitments or obligations. He knew this was the first store we had gone to and being that he was very open and friendly we trusted him. We left without buying a ring and said we would come back once we figured out finances. XXXX ended up opening XXXX accounts for us. XXXX joint account with my girlfriend XXXX XXXX, and I and XXXX for just myself. We discovered this when the cards came in the mail. I am very displeased with his behavior and conduct. He was VERY deceptive and obviously had every intention of opening these XXXX accounts. He took advantage of us being first time buyers, he fast talked me about him being in the military and distracted my girlfriend with his other associate, showing her other rings. These open accounts have now dropped my credit score, which I have worked extremely hard to improve over the last few years, and have put a hard hit and an open account on my girlfriends. We called customer service today and the rep on the phone said they could close it but there was nothing they could do to delete it from our credit reports. We both received letters notifying us of the same from their customer service department. Per the customer service rep, she stated that us signing the forms, which I now realize were not credit score authorization forms they were credit cards, meant that we authorized him to open credit accounts for us, and they could not be removed from our credit reports. I understand it was my mistake for not reading the fine print, but like I said we trusted him and were caught up in the excitement of looking for engagement rings. It 's very disappointing to see that this guy preyed on first time buyers and the fact that I am a service member which he talked about extensively, and now the customer service is unwilling to help us, standing by the fact that what their employee did was ethical. If I need to file a police report to get this removed from all XXXX credit report with our local police I will, but I 'm hoping you can help get this resolved without having to file one and submit a formal complaint on Kay 's employee conduct. The joint account number is XXXX and the single account for me is XXXX. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: On XXXX XXXX We sent Statebridge Company {$1500.00} in certified funds. We sent the payment XXXX and Statebridge received and signed for the funds on XXXX XXXX at XXXX. On XXXX XXXX, 2015 i contacted Statebridge via a phone call. The customer represenative said they did not receive payment and have no record of any payment. The representative said she refused to speak with me unless I rescinded a Cease and Desist order they received XXXX XXXX I faxed them a letter on XXXX XXXX, 2015 rescinding the Cease and Desist Order. I called Statebridge again on XXXX XXXX, 2015 and the representative indicated they did receive the rescinded a Cease and Desist Order. The representative once again denied receiving the payment. I reminded her that The Consumer Financial Protection Bureau ( CFPB ) has issued the final rules that implement residential mortgage reforms of the Dodd-Frank Wall Street Reform and Consumer Protection Act. And one of the rules pertain to prompt-payment crediting. Servicers must promptly credit payments from borrowers as of the day of receipt, including principal, interest, and escrow. If a payment is received that is less than the amount due, the servicer may hold the payment in a suspense account until the amount in the suspense account covers the periodic payment. Statebridge has violated the rules pertaining to prompt-payment crediting to a consumers account. 
We have been charged additional interest on our account because of Statebridges violation of the CFPB rules by not crediting the consumers account 

Company response: Company chooses not to provide a public response
Consumer complaint: I voluntary turned the car in XXXX, BB & T bank charged the account off. XXXX later, they are still reporting it currently deliquent. 

Company response: Company chooses not to provide a public response
Consumer complaint: This number XXXX calls several times a day, tell me the call is being recorded and that I owe money for a parking ticket. I tell them I do n't owe anything and will not pay and to stop calling. 

Company response: Company chooses not to provide a public response
Consumer complaint: A clerk of Bank of America named XXXX XXXX stole {$100.00} from my cash withdrawal today, Friday XXXX/XXXX/2015, at about XXXX CST. I closed my checking account number XXXX, with a cash withdrawal of {$780.00} but I only counted $ XXXX of XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank sent balance transfer checks to be used to transfer balances up to my available credit at time of transfer. I submitted a check to 1 of my creditors on XXXX/XXXX/15. I had more than XXXX in available credit. On receipt of the {$1400.00} bal transfer check XXXX/XXXX/15, Citibank decreased my credit limit by {$5300.00} on XXXX/XXXX/15 & refused to honor the check. They sent out a letter after the fact stating bogus & vague generalized reasons. This is an unfair practice that caused a returned item with the other creditor. I have asked them to stop sending me checks because they are misrepresenting. They said they could not stop them from being sent. I am very displeased. I 've been with Citibank for 20 years. I make my payments on time and I pay more than the minimum due most times. I 'd like the matter investigated & that check honorees, as well as them to stop sending me checks unless I request them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was incorrectly assessed a {$14.00} fee by Bank of America at the end of XXXX. I needed to call them up and spend a long time talking with them to get them to finally reverse the fee. Then at the end of XXXX I had the same {$14.00} fee taken from my account. This time I tried to correct the issue using their chat feature on their website, but they told me that the type of account I had with them ( Regular Checking ) did n't exist anymore. Finally after I failed with the chat feature after over an hour, I had to call a manager who was able to reverse the fee but still could n't explain what happened. I opened a case with the XXXX, but was never contacted back. To me I suspect that BofA is committing this fraud with a lot of their customers hoping that the customers do n't check their statement close enough. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX, NY XXXXEnclosed are the pictures of the basement when or where it was flooded when it was raining. But I used part of the rental money to fix the problem. Now, the property is in good condition, the tenant are very happy to pay the rent and I am extremely happy to start paying the mortgage on a timely basis. 
Please note that I have been retired from my job for the last past 5 years. I do not file the XXXX XXXX tax due to the fact that I do not pay any Tax. Obviously, I received Social Security Benefits of {$1200.00} and an additional retirement fund of $ XXXXThere is also an additional non co-borrower contribution of $ XXXX/month. 
From Social Security Benefit and the retirement the total amount is {$1500.00} and the non-co-borrower contribution is {$690.00}. The total monthly income is $ XXXXCombine the rental income with what I received every month is : {$6100.00} + {$2200.00} ___________The total monthly income is : $ XXXXA loan modification would be beneficial to XXXX us. It would help me to get back on track and fulfill my obligation to Wells Fargo/The Lender as well as my other obligations. My home means a great deal to me and it is my desire to work with Wells Fargo to keep it out of foreclosure. Please advise me of all options available to avoid or stop foreclosure. I am anxious to reach an agreement and appreciate your assistance in this matter. 
I have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Since a previous check from a US Bank customer had bounced when I submitted it to my bank ( XXXX XXXX, I went to US Bank to cash a new check from this person, to ensure that the funds were there, and prevent any possible fee by my bank if I cashed it there. I presented my government issued identification, but since I do not have a US Bank account, I was told that I would be charged {$7.00} to cash the check. I declined to pay the fee, and asked whether appropriate funds were in the US Bank account to cover the check. I then retrieved the check and deposited it into my XXXX bank account. I believe US Bank should not be able to charge someone for honoring a check drawn on one of their checking accounts, so I am submitting this complaint. I think CFPB should look into this practice, by US Bank and any other bank that offers checking account services. 

Company response: Company chooses not to provide a public response
Consumer complaint: The account was closed over 8 years ago. FAIR COLLECTIONS keeps changing the date that the account was closed. It now shows on my credit report as if the account was opened in XXXX. It was opened in XXXX. I moved and closed the account in XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a credit card with Bank of America and have been a customer for years and have paid my credit card bills on time every month. This past month I made a mistake and the internet system automatically put the payment for the lowest possible amount ( when I had programmed the full amount ) - I do n't know why the amount was changed. I have paid the full amount and the Bank insists on charging me late fees, etc. They then said I had to contact them by phone - I am out of the country and calling is difficult for me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a USBank XXXX prepaid card on XXXX XXXX 2015 and received an activation slip showing {$500.00} was loaded. With the purchase fee it came to {$500.00}. 

When I tried to use it that evening, it had been frozen by USBank for fraud. This was because a transaction had been attempted PRIOR to my purchase. USbank instructed me to fax in information and wait XXXX business days. Information was faxed on XXXX/XXXX/15 and I have not heard back. 

This is a serious scam that USBank is running in that they are knowingly selling compromised cards, and they are knowingly selling cards with sequential numbers so that thiefs can guess other card values and brute force the XXXX. If they knew the card was bad, they should have prevented its sale. Furthermore, I still have not received the funds I was owed despite faxing in information. 

Company response: Company chooses not to provide a public response
Consumer complaint: received an offer that states 0 % apr for XXXX months then XXXX-19.99 % therafter/offer also states introductory rate on balance transfers applies through the end of the XXXX m, onthly billing cycle after the account is opened for all balance transfers requested within 60 days of account opening. Just opened the account last week called to do a balance transfer and was advised the rate was XXXX and then information that was sent to me was a misprint-that appears to be illegal to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: My student loan XXXX XXXX ) were sold and/or transferred to XXXX on a date unknown to me. Pursuant to XXXX XXXX XXXX XXXX ( F ) ( iii XXXX XXXX was in fact a debt collector. I placed a complaint with the CFPB [ XXXX ] for the companies abusive practices in addition to failing to validate the alleged debt owed. I recently received a Dunning Letter from Windham Professionals dated XXXX/XXXX/2015. XXXX and Windham Professionals are making multiple enforcement claims on the same [ XXXX ] ote. Possession requirement in XXXX XXXX [ of the XXXX XXXX is to protect the Debtor from multiple enforcement claims to the same [ XXXX ] ote. Upon information and belief, XXXX and Windham Professionals lack Judicial standing, having no economic or beneficial interest in the [ XXXX ] ote, and no complete dominion over it, including entitlement to enforce the [ XXXX ] ote pursuant to the XXXX XXXX and UCC XXXX. In addition I have never applied for, neither received any services or credit from Windham Professionals. I also have no account and/or signed contract with Windham Professionals, nor do I wish to contract with Windham Professionals. Windham Professionals has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent XXXX XXXX ) and or Representative XXXX XXXX ) are frivolous. I have a lawful right to receive any information in regards to the promissory note and or other admissible evidence of the alleged debt. '' XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX XXXX 1947 ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a home equity line of credit on my personal home with BB & T. Around 2010 I got behind on a few payments but then I was able to pay the account off and so the account was closed. The credit reports report the status on the account as paid and closed in 2010, but also report incorrectly this account as a FORECLOSURE that is incorrect and affecting my credit. I submitted a correction request with the credit reports but had no luck and the Bank BB & T refused to make the correction and they have NO prove that the home was foreclosed because I paid it off ( as the 3 credit bureaus report the account paid off, balance = 0 and closed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was approved for HAMP program and Wells Fargo dropped the ball on the XXXX mortgage to the point where they have foreclosed on my XXXX loan. It was my understanding that I was going to be offered XXXX. Apparently this did not occur because Wells fargo had incorrect city locations in my records and therefore no record match could be found. Although I called and sent over a XXXX letters -- Wells Fargo just kept passing me off to numerous people and nothing got done. My XXXX daughter answered the door the day the process server came to our house and the whole family was so upset about the possibility of loosing our home. Well Fargo did absolutely nothing to support me or the situation. After XXXX months of going around in circles -- and receiving letters from my credit card company 's that my credit limit was being downgraded since they had me recorded as foreclosing -- I received a call from a Wells Fargo manager, XXXX XXXX, in loss mitigation who told me that there was nothing he or the bank could do to resolve my harmed credit until I went through another trial period which would be XXXX days. How ridiculous and absurd is it to have to deal with bank managers who ca n't mange their own internal processes so they can support their customers. Especially when the mistake is on their end. Wells Fargo -- You need to own your mistake and stop with all your non sense. 

Company response: Company chooses not to provide a public response
Consumer complaint: Please see attached letter to Experianand documents. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name has never been XXXX not have I ever lived on XXXX XXXX XXXX, TX XXXX I will print my credit report and view all of it to determine whether any of what is reported is n't mine. 

thanksXXXX XXXX 

Company response: Company chooses not to provide a public response