AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a loan with Bank of America. I 'm self employed so my income varies each month. Over the summer, I fell behind in my payments but was always in contact with the bank. I knew during the fall I would be able to catch the payments back up again and submitted for a loan modification. I could 've asked for a forbearance but I was never advised nor was I told I told a letter of intent was supposedly sent. I open and still have every piece of mail during this time never did I receive an intent to foreclose or notice that my property was in foreclosure. In XXXX I received a call from a Bank of America representative stating my property was in foreclosure. I know there is a process where I 'm allowed to be heard in court. I did not receive any notice from court or the bank. My modification was submitted in XXXX. I kept in close contact with my representative an even told him I could now send in a few payments. He told me the bank would n't receive them at this time. I can only pay the full amount plus interest and attorney fees. On XXXX XXXX the Bank of America representative called me and told me my loan was denied because they could n't find a program for me. I know that Bank of America just settled a law suit for doing this kind of thing to home owners. I am a single mother who 's divorced and really want to keep my kids in the only home they know. I asked the representative if I could do a forebearance or put the payments or some of them on the back of the loan he said no since I 'm in foreclosure and putting the payments towards the back is a loan modification which I do n't qualify for. I asked how can I not qualify now when I just qualified earlier this year. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have repeatedly asked Wells Fargo to stop sending me marketing materials regarding my HSA - and they keep on sending them to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: They have called me upwards of 60 times in the past month. They are callingmy parents house, and harassing them, after repeatedly being asked to stop. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was notified by my credit monitoring service that a collection account from Southwest Credit Systems in texas put a collection account on my credit. For the record I have never received any validation of this debt prior to this going on my credit report. I have resided at the same address for the past 2 years and still have a forwarding mail with the post office from my old address. I called the collection company to resolve this issue and the young lady told me that I had to pay this debt and she did not have to verify any information with me and wanted me to provide her with my information. I told her that by law she is to confirm with me my information and validate the debt with me before putting this on my credit report. She told me that the client was XXXX. I advised her that I do not owe any debt with XXXX and my account was a pay as you go account which I no longer have services from them for over a year now. I had many issues while I was with XXXX not just that XXXX system were breached and my personal information was leaked. I would like for this collection account to be removed immediately. THis is not my debt and do not feel that it is right that this collection company can just put this on my credit with out validating this with me. They did not send me anything in writing confirming that I owe this debt and advised that they can continue to call me and seek legal actions until this debt is paid. I am a XXXX veteran on a fixed income and need my credit to survived. Please help me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They keep calling for a debt that 's in my husbands name, that we wholeheartedly intend on paying but I asked them to stop calling and to put me on the DNC list. He said okay. Now they keep calling but not speaking. They call up to 3 times a day. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: On XXXX/XXXX/XXXX I lived in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX n.c. XXXX in XXXX XXXX where a fire ensued. I was covered by insurance in full through XXXX XXXX XXXX company of Florida. My insurance paid XXXX in the form of XXXX checks ( I submitted the documentation ) on my behalf collected by XXXX XXXX XXXX the property owners at the time. XX/XX/XXXX I received a bill from XXXX for the 2 mos remaining on my lease. When I called I was told to disregard it as my lease was void as of the fire ... I did. In XXXX my account was given/sold to National Credit Systems for XXXX. The information I am providing will contradict information I have received from NCS. NCS claimed on XXXX/XXXX/XXXX that my insurance paid XXXX. However my insurance has provided me documentation that they paid XXXX XXXX for the damages created by the fire. Therefore they have been overpaid and should have returned my deposit of {$400.00}. I do not owe a balance at all. In the past I have had my insurance call XXXX directly as well as contacted XXXX and XXXX the property owners to no avail. NCS will not release this debt as they wish to be compensated for purchasing a bad debt. Furthermore it is my understanding that Steeplechase\and or NCS had 3 years to file a judgement against us for this debt they did not and the timeframe has since expired so this should have been removed on that basis if not the fact that I have provided substantial proof from the 3rd party ( my insurance company ) that they were paid before this debt went to collections. NCS has also resubmitted this debt to the credit bureaus XXXX ( in order to keep it from dropping from my credit ) indicating that they have made contact with us. THEY HAVE MADE NO CONTACT WHATSOEVER SINCE XX/XX/XXXX, when I contacted them. There is no debt owed and I would like this removed from my credit and the credit of XXXX XXXX immediately. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Suntrust statement that the note was sold to XXXX in XXXX - Maybe correct that Suntrust received payment for this mortgage note but the whereabout of the note is UNKNOW. 
The statement that XXXX is an INVESTOR is false- Attached XXXX XXXX letter stating that they have a lien on the property because XXXX Bank is an investor and that the NOTE was assigned to XXXX in XXXX is false. 

XXXX Bank America 's is only the trustee - for documents for an individual investor. 
They are not the owner of the NOTE. 
XXXX assigned the note to XXXX XXXX in XXXX and conveyed the interest under the mortgage to a four years prior closed trust and already bankrupt since XXXX XXXX XXXX. 
Suntrust is NOT a note holder, XXXX is NOT a Note Holder and XXXX Bank is only the Trustee - which would not have documents for an already bankrupt investor. 

The Original Note is requested for viewing and the exact location is requested. 
SunTrust can not service a mortgage on behalf of a bankrupt investor. 
XXXX also NOT an investor or a NOTE holder can not have a lien on a property. 
And XXXX Bank Americas Trust ( which only holds documents in trust for the investor ) is NOT entitled to collect on behalf of a bankrupt investor. 
Who is the owner of this mortgage remains the question. Attached XXXX assignment to XXXX in XXXX ( not XXXX ) and to XXXX XXXX NOT XXXX XXXX as stated by XXXX. A bankrupt trust can not originate a loan. A mortgage and note can not be conveyed 4 years after the trust closed, especially not to bankrupt trust. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I paid {$1.00} in XXXX for a credit check, and missed their fine print about the additional {$21.00} they planned to charge me after a " trial period ''. It was in very tiny letters at the bottom of the screen, and it 's very clear they have purposefully made the checkout process look different to confuse the consumer. 

Company response: Company chooses not to provide a public response
Consumer complaint: had requested experian to investigate a credit inquiry for XXXX card dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX card. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: MY LOCAL LOWES STORE SUBMITTED MY CHECK FOR {$10.00} TO US BANK AFTER I HAD RETURNED MERCHANDISE TO THE STORE. THE STORE REFUNDED THE {$10.00} TO ME FOR THE ERROR. I CONTACED US BANK AND ADVISED OF THE ERROR. US BANK STATED THEY COULD DO NOTHING ABOUT IT BECAUSE THE TRANSCATION WAS A CHECK. XXXX RECEIVED PAYMENT FOR THE CHECK FROM MY US BANK ACCOUNT. A COUPLE WEEKS LATER AN UNKNOWN CHECK FOR {$25.00} THAT I DID NOT WRITE AND XXXX DID NOT PRESENT WAS LEVIED AGAINST MY BANK ACCOUNT. I CONTTACTED US BANK UPON SEEING THE CHARGE PRIOR TO THE CHARGE BEING DEBITED AGAINST MY ACCOUNT. I INFORMED US BANK THE ITEM FOR {$25.00} WAS UNKNOWN TO ME, WAS NOT A CHECK I WROTE, PRESENTED NOR AUTHORIZED FOR PAYMENT TO ANY PERSON OR COMPANY. I REQUESTED US BANK IMMEDIATELY INITIATE STOP PAYMENT AND A FRAUD INVESTIGATION. US BANK REFUSED TO DO SO, PAID THE ITEM AND CHARGED MY ACCOUNT $ XXXX- 4 TIMES IN OVERDRAFT FEES. LOWES DID NOT PRESENT THE {$25.00} CHECK TO US BANK FOR PAYMENT. TO DATE AS I ADVISED US BANK NO PERSON OR COMPANY HAS EVER CONTACTED ME REGARDING AN NSF CHECK. ADDITIONALLY I HAVE COPY OF THE ORIGINAL {$10.00} CHECK AND IT HAS NEITHER A STAMP NOR INDICATION UPON IT AS RETURNED NSF TO XXXX. US BANK IS AND WAS AWARE OF XXXX ERROR IN DEPOSITING THE CHECK. AS WEL US BANK EMAILED ME A STATEMENT DOCUMENTING IF LOWES REFUNDED THE {$10.00} TO ME ALL OVERDRAFT FEES LEVIED WOULD BE RETURNED TO MY ACCOUNT. YET TO DATE US BANK HAS REFUSED TO RETURN ANY OF THE OVERDRAFT FEES BACK INTO MY ACCOUNT. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent a letter dated XXXX XXXX, 2015 to the most recent purchaser of the account, XXXX XXXX XXXX, to verify the debt and to cease and desist any phone calls to my personal or business lines. I revived email confirmation that my letter was received. I received a letter from Capital Management XXXX that they had received my request for debt verification for the account owned by XXXX XXXX XXXX, the letter included my request for no calls to my phone. It would be prudent to mention that I have since sent Capital Management XXXX XXXX other letters dated XXXX XXXX, 2015 and XXXX XXXX, 2015. 

I was informed my father received a call from a collections company looking for me on XXXX XXXX, 2015 but he could not verify the caller. He has since been informed to get the name of any collector that calls for me. However, I suspect it to be Capital Management XXXX. 

I received a call on XXXX XXXX, 2015 from XXXX. They identified themselves as Capital Management XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a credit card with Bank of America that I needed to close due to the cost of the interest charges. I called them on XX/XX/2015 and worked with their representative to close the card and work out terms for the balance repayment. After answering numerous questions the representative determined that I would need to pay {$89.00} per month for 60 months at an interest rate of 2 % to pay back the balance. I agreed to these terms offered to me on the phone that day. On the call I mentioned that I was concerned about incurring any additional charges/penalties as my payment was due on XX/XX/XXXX. The BofA representative told me he could n't confirm the payment would be accepted over the weekend so we needed to get the {$89.00} payment through that day ( Friday ) so penalties/charges would not be incurred. He told me that there was only a few minutes before " end of business '' ( EOB ) that day so we needed to get the payment through right away. I provided my bank account information and he made the initial {$89.00} payment before EOB on XX/XX/2015 and confirmed that it had gone through. That day the BofA representative also set up the ongoing $ 89 monthly repayments to be paid from my bank account each month. The monthly {$89.00} payments have been taken from my account each month since then. 

Approximately three weeks later BofA contacted me and told me that they wanted to change the terms of my contract and that they wanted me to answer another series of questions. They also told me I had begun to incur charges/penalties on my account. I have spent several+ hours trying to get this resolved with them but they are unwilling to honor the contract that we agreed to on XX/XX/XXXX even though the initial {$89.00} payment was made that day and the repayment plan was set up by BofA to cover the remaining 60 months. Please note {$89.00} has been deducted from my account on the XXXX of each month since the initial call on XX/XX/XXXX. 

I 'm providing my BofA account statements for XX/XX/XXXX and XX/XX/2015. The XX/XX/XXXX statement shows the {$89.00} payment was made on XX/XX/XXXX. The XX/XX/XXXX statement shows the next payment was taken from my account on XX/XX/2015. 

Thanks for your help in advance. 

Company response: Company chooses not to provide a public response
Consumer complaint: After moving money around between my various Suntrust accounts, I spent a lot of time trying to find the fee schedules for all my various accounts to make sure I did n't incur any service charges for low balances, etc.. I found there is no easy way to see the fee schedule for a specific account. There is a pdf online that shows the fees for the current products offered, but I have a bunch of older account types. I discovered that I had several {$15.00} charges on my money market account starting last XXXX because, while the current money market account being offered waives fees regardless of balance if an automatic checking transfer is in place, my older account did not. It 's hard for a consumer to avoid fees when Suntrust only publishes the fee schedules for the currently offered account types. I had to threaten to close all my accounts and move to another bank if those fees were n't refunded. A customer service rep refunded XXXX of the XXXX {$15.00} charges, but said that 's all they could do? I would like the other {$15.00} charge refunded as well. But, most of all, I would like Suntrust to simply make the fee schedule for each account type easily accessible so others do n't have to waste their time like I have. 

I see 2 possible solutions : 1 ) Make the fee schedule for each account easily accessible - even when those account types are no longer part of the current retail offering 2 ) Transition account types that are no longer offered automatically to new account types where the fee schedules are easily accessible. 

How is a customer supposed to know when their account type has become a legacy product and no longer important enough to offer an easily accessible fee schedule? 

BTW, how hard is it given the state of technology to give some sort of a warning to customers when they do something that is about to incur a fee ( with a link to the fee schedule for their specific account )? I get plenty of correspondence from Suntrust trying to sell me additional products and services. How about something I can actually use - like a notification that my balance has fallen below a certain level and I will be charged if nothing is done by a specific date. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I continue to have problems accessing my online report and today through a credit monitoring service I discovered they are know reporting XXXX inquiries in the last month, incorrect information about an account and they have me listed as having for a non existent company. They have caused my credit score to drop XXXX points with their mistakes!!! 
I should not have to pay postage or waste valuable limited minutes on my phone. I have never had a problem with XXXX or XXXX. Every year I have problems with Transunion and they appear to be the XXXX many companies turn to for credit reports. I have contacted them directly twice with no workable solution. In my previous complaint they were supposed to fix what I reported and they did not. The same XXXX security questions are being used with wrong data for the answers, therefor blocking me. In addition to inability to obtain report : I know they have incorrect information on account status and terms, the have my personal information wrong, and have listed and enormous number of inquiries ... almost an impossible number according to Credit XXXX ... ... I HATE this company and the power they have to ruin lives with their ineptness and possibly fraud to benefit lenders they are associated with. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have repeatedly notified Experian credit reporting agency that XXXX XXXX XXXX with account number XXXX is currently reporting this account as a charge off for {$17000.00} in addition to the wrong open date for the account. This account was included in chapter XXXX bankruptcy and needs to be updated to show discharged in chapter XXXX bankruptcy. ( please see attached supporting documents ) I have also repeatedly notified Experian that Security Service federal credit Union with account number XXXX is currently reporting as a $ XXXX off in addition to the wrong opening date. This account was discharged in chapter XXXX bankruptcy. ( please see attached documents ) 

Company response: Company chooses not to provide a public response
Consumer complaint: had requested Experian to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: they saying my current add is not on their file, and wont sent report. I know they lying cause Transunion has my current add on file. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There are some wrong information on my credit report and they are not belong to me! 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was sold to BSI Financial ( aka Servis One ) in XXXX 2015. Since then I have asked for XXXX modifications and was denied. Now they have stopped paying my homeowner 's insurance and taxes and have significantly increased the reported balance of my mortgage. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: BSI servicing company keeps harrassing me with threats to report my account to credit bureaus and tacking on late fees for a payment they have already received by failed to apply. Please see all attached evidence, statements, and copies of checks cashed. i have emailed and called them several times to remedy this, however their customer service representatives simply have no answers and offer no solutions. My grace period is the XXXX of the each month, my payment is {$110.00} and I always round up to {$110.00}, and I have never had a late payment in my LIFE! I am sick of being harrassed by phone calls from BSI EVERY day ( 3-5 times per day ), EVERY MONTH from the XXXX to the XXXX of the month when I have never paid late! 



BSI acct # 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: BAC sent out my bill pay on XX/XX/XXXX vs XX/XX/XXXX due to the holidays, charged me an overdraft fee on XXXX/XXXX/XXXX despite the check not being cashed yet ( on XX/XX/XXXX ). I was told that is allowed in the disclosure. It should be illegal - if they have n't paid the check, how is it an overdraft? If I had mailed the check, it certainly would n't be an overdraft. Other banks do n't debit the account until the check is cashed. HORRIBLE! 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX I pull my credit report from all three credit bureaus and noticed that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX-phone number XXXX XXXX XXXX reported a telecommunication account # XXXX from XXXX XXXX for {$1000.00} - all three credit report shows this account was open on XX/XX/XXXX balance date XX/XX/XXXX, although i disputed the account, it sat on my report until it dropped from all XXXX credit reporting bureaus aroung XX/XX/XXXX. Then XXXX XXXX sold the account to XXXX-XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX The add the account again to my credit report with experian on XX/XX/XXXX as a new account ( with partial accounty number XXXX for {$1000.00}. I disputed this twice already and fax my old credit report to the credit bureau and they still have not corrected this violation. 
EVEN IF A CREDIT COLLECTOR BUY AN OLD DEBT, THEY ARE REQUIRED TO REPORT THE ALLEGED ORIGINAL DELINQUENCY DATE NOT JUST MAKE ONE UP AND INTENTIONALLY SOIL SOMEONE CREDIT. i WAS DENIED CREDIT BECAUSE OF THIS COLLECTION ACTION AND WILL BE FORCE TO SPEAK WITH AN ATTORNEY IF THIS IS NOT CORRECTED. 

Company response: Company chooses not to provide a public response
Consumer complaint: had requested experian to investigate a credit inquiry for XXXX dated XXXX. I was told in the response that I had to dispute directly to XXXX I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response