AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am not certain this complaint is being posted in the correct area, but this is the closest area I could find related to my complaint. My complaint concerns the credit score reductions for no legitimate reason. Let me start by saying, I am not understanding why my credit score declines if someone simply inquires as to what it is. If my credit score is XXXX and someone runs my credit to see if I qualify for credit with them, it brings my score down XXXX points, which now means my score is XXXX. This seems so unfair to me. A credit score should be diminished for failure to pay, slow payment, or bankruptcy. A credit score should not be decreased because someone inquires as to what it is. Example : : I decide to purchase a home, they run my credit, it is XXXX, borderline fair and poor. That lender is not meeting my needs and I decide to change lenders, and the new lender runs my credit and it has gone down XXXX points to XXXX which is now reflect the score as poor, which now means I ca n't get a house at all because my score has to be at least XXXX. I have not done anything wrong to cause this. I have not failed to pay anyone, or been delinquent with any payments. It 's as though you 're taking away my right to change my mind, and destroying my chance at home ownership just because of a credit inquiry. It does not seem to me that the services are making any money when a business inquires as to what your score is. If that is not correct, please enlighten me. This is a matter that needs some serious revamping, not later but as soon as possible. It is unfair to all consumers, whether the credit score is XXXX or XXXX. I will be sending this request for change to you every day until my voice is heard and also looking for other sources to voice my complaint to in the meantime. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, a checked was bounced on me which caused my bank to bounce a check to Citicorp for payment on my credit card. I let them know in advance, i wired twice the amount to Citibank to make sure they were covered. 

Subsequently, the next month they withheld posting payment by seven days. I complained, got a supervisor on the phone and she affirmed that the delayed posting would not happen again. 

This month I sent {$500.00} ahead of schedule on XX/XX/XXXX and as of XX/XX/XXXX it has yet to be posted to the account. Citibank says they are having to confirm the account, even though it is a different account. I have no idea how much they are charging me for extra fees related to the delay time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to recieve a loan modification from Bank of America and feel my case has not been reviewed correctly.Myself and my lawyer have sent in all items asked of us in the proper time frame and still have had no response. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit bureau will not perform a proper investigation nor will they delete inaccurate personal information from my credit reports after all documentation has been sent to them. The courts verified with me via the phone that the liens and the judgments are not verified with the credit bureaus. According to the Fair Credit Reporting Act Section 611 part B subsection iii, they are supposed to verify with the source of the information which they are providing me but apparently that is not what is going on. 

I asked for the following : 1. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
2 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
3. What certified documents were reviewed to conclude your investigation? 
4. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
5. What did it cost your company to obtain the documents needed to complete your investigation? 
6. Please provide proof of your timely procurement of certified documents. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a dispute to case # XXXX and XXXX. Still no answers, and it 's very apparent they are not going to answer and are liars. 
This company preys on minority 's and there continued targeting of them should be labeled as a hate crime. They should not be allowed to execute mortgages or anything else. I have paid in advance, excessive mortgage insurance premium to HUD, with no justification of the amount. A year worth of PMI insurance. Paying excessive property taxes and PMI insurance to drain my escrow account which causes shortages in escrow account. Being retaliated against for exposing the fraud. This company has no respect for the law or the hard working citizens, I hope this case helps others and remember to FIGHT cause the truth will always stand. Just follow the paper work. I did. 

Company response: Company chooses not to provide a public response
Consumer complaint: We XXXX have attempted XXXX Mortgage Modifications with Wells Fargo. We have been lied to, tricked, cheated etc ... The XXXX application was approved, our monthly payment was increased and we were promised XXXX, that 's a disgrace. XXXX Mortgage Modification attempt we were denied because we were current on our payments. As soon as we applied for this XXXX Modification Wells Fargo placed a For Sale sign in front of our home. We applied for the Modification because we were in danger of default, this is XXXX of the reasons to apply for a modification. XXXX Mortgage Modification, Wells Fargo requested document after document and then Foreclosed on us while in Modification. We saved our home with an emergency Bankruptcy which stopped the sale 5 minutes before it was to begin. The XXXX Mortgage Modification attempt we were denied, Wells Fargo added over XXXX in imaginary income. Then said we did not qualify because of our income. 1 year later Wells Fargo said that they made a mistake on our income but they never rectified it. We then sought the assistance of Keep Your Home California. They instructed us to call Wells Fargo for Modification and Principal reduction documents to fill out. The representative of Wells Fargo started yelling at me, yelling that Wells Fargo was not going to send me any such applications. Keep Your Home California instructed us that we could do this later. Wells Fargo received XXXX from Keep your Home. We understand that a Bank can charge a small fee for a Modification, but Wells Fargo paid themselves XXXX for administration fees, they stole XXXX from the Federal Government and from us, in this usual trick of theirs. Wells Fargo called the help Keep Your Home California gave us a Modification. According to Keep Your Home it was not a Modification and that now I can apply for the Principal Reduction and Modification. Wells Fargo is now in the process of selling our Loan to another Bank. They approved sending us the documents for Principal reduction and Home Modification we requested but reneged on us saying to ask for this Principal reduction and Modification from the future new Mortgage Holder. Wells Fargo has caused us to suffer a great deal with worrying, despairing, sleepless nights etc ... We are XXXX years old and Wells Fargo has not shown one iota of cooperation. If anything the total opposite. We can bear their injustice no more. One last thing, Wells Fargo forced us to pay twice for the month of XXXX, 2014. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a credit card from Best Buy ( credit provided by XXXX ) that I paid and closed back in XXXX 2013. I 've been contacted over the last year by XXXX claiming I owe Citbank for this same account in the amount of {$420.00}. I provided proof XXXX ( copies of my credit report with identical account numbers reflect Paid & Closed ). They still refused to remove the collection from my credit report. They claim that Citibank is saying it 's valid. But when I contacted Citbank they tell me they never had any communication with the collection agency that has the account. I have going back and forth for almost a year trying to get this removed and so far no luck. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 a representative of Citigroup , Inc. advised me that I would receive certain card benefits as part of signing up for a new Citi XXXX. I relied upon these statements made on a recorded line to sign up for the new credit card and paid a {$450.00} fee as required. I was later informed that the benefit would not be provided. The matter was escalated to multiple groups at Citi without a resolution. The escalation path is clearly designed to fatigue the customer in the hope that they give up on their pursuit of their rights. 
It is clear to me that Citi representatives have engaged in a pattern and practice of deceptive behavior during this process. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Macy 's American Express card. My payments are ALWAYS on time. For the past 5 months ( I have statements to prove ) they have sent me my bill with late fees, purchases and interest charged. This account was requested to be closed and I do not have a credit card to even make purchases. Each time I have called they give me a hard time then they say your are right we will make the adjustments. They tell my my new balance and minimum payment. I make the minimum payment and again they send me my bill with late fees, purchases and interest charged. I called a few months back and I was told that they were sending my payments to another card. When asked for that account they told me they could tell me. This is beyond ridiculous and I am frustrated and tired of getting this fraudulent bills and then I have to take time out of my day! Please help me as I want to pay this amount off and never ever use an American Express card again. 

Company response: Company chooses not to provide a public response
Consumer complaint: Complaint against Wells Fargo BankOn XX/XX/2015, I had a cashier 's check for {$2400.00} transferred from my Wells Fargo Account to another Wells Fargo account in another state. Fifteen minutes after the transfer. I discovered that this was a scam. The scam involved my granddaughter going to school in another state, being involved in an auto accident, and needed money immediately to get her out of jail. My granddaughter was supposedly in the accidentXXXX, so her voice at the other end was sounded like my granddaughter. I was still in the bank branch when I was made aware of this scam immediately by hearing directly from my granddaughter that she was well. I notified the bank manager immediately. He checked the account and noticed that it was a cashier 's check that was to transfer the funds. I was told that the funds would not be transferred until midnight. I also discovered that the scammer 's account was only opened up 2 days prior to the scam. The bank manager had me obtain a police report and when I returned, he called the fraud department at Wells Fargo and a hold was placed the scammer 's account on that date. The police told me that this type of scam was well known to them and that account will be closed after the funds are deposited. The hold on that account was in place until today XX/XX/XXXX, when the scammer closed the account and a cashier 's check was mailed to the scammer. The bank told me they had to send the funds to the scammer when the account was closed because they would be concerned of a legal quagmire from the scammer. 

I have been checking with the bank branch, almost daily, to find out the status of the claim that was filed by the bank manager with the Wells Fargo bank fraud department. I have been a customer with Well Fargo Bank since XX/XX/XXXX. I have never had a problem with Wells Fargo before. I feel that the bank dropped the ball and did not do what it is required of a bank with a claim that was filed. I doubt if the claim was even investigated. If I did not call on a regular basis, I would get a progress of their investigation of my claim. When I found out about the check being sent out, I called the Wells Fargo Executive Office and complained about this action. I feel that Wells Fargo is liable for sending out the funds and did not notify me properly of the progress or the results of their investigation. I also do not believe that Wells Fargo did anything to protect me as a customer and I am filing a claim about Wells Fargo under the Regulation E. 

If you need additional information concerning this complaint or need my account number, please let me know. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a incorrect information reported in my credit report, I disputed the issue with XXXX agencies myself but only XXXX deleted the item, but no results from XXXX and Experian yet, I need your help, I also hired XXXX XXXX to dispute for me, items from issues with credit reporting companies. but seems no results also, see attached documents to proof when I started disputing .FYI I never engage any king of business with XXXX I also tried to dispute with XXXX myself but they never respond to my disputes.I Thanks in advance for your future help Thanks 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: For the past six plus years I have request Bank of America to either remove account for the adverse accounts/account that maybe considered negative. All to no avail. 
BANK OF AMERICA continues to report account as an adverse account or an account that may be considered negative. In XXXX ( 6 years ago ), account ending in XXXX was with Countrywide and then transferred to Bank of America. I had suffered a financial setback and applied for a loan modification from Countrywide, who was to have transferred to Bank of America. No follow-up responses to my loan modification was ever received from Bank of America XXXX XXXX XXXX, I obtained the services with XXXX. XXXX informed me that they would notify Bank of America that I was not to pay any mortgage, during this modification process and that they would be in contact with Bank of America on any and all mortgage issues. Basically, XXXX was to have been my representative. New York State Attorney General filed a lawsuit against XXXX alleging a wide variety of illegal and deceptive business practices and false advertising relating to XXXX home mortgage modification business. Lawsuit sought to stop XXXX from engaging in alleged unlawful and deceptive practices and an award of restitution and damages for injured XXXX customers. Upon receiving the enclosed letter, I immediately contacted Bank of America, who began working with me to bring account up to date. Due to the pending lawsuit and believing that I was doing the correct thing, Bank of America informed me that no delinquencies would be reported. House was never foreclosed. Referenced loan was refinanced and Bank of America was paid off. XXXX was found guilty in XXXX of breach of contract and had been ordered to pay restitution. Account was late but I disagree that account was never late for over 120 days XXXX 4 months XXXX. Bank of America insist that account has been reported correctly. Per letter of XXXX XXXX, XXXX Bank Of America stated that they had received my request to remove negative information from credit reporting. Bank of America reviewed credit reporting and confirmed that the information they provided is accurate. Therefore, their current reporting of my account will not be revised. I find their decision totally unacceptable. I feel that I am being penalized for the actions of XXXX, for according to their contract they were acting on my behalf, which later was incorrect and XXXX had been found guilty of breach of contract and Bank of America continues to punish me. I could see if I had been blatant in my financial responsibilities, Bank of America would have the right to report account as adverse or an account that may be considered negative. Bank of America continues to comment about Chapter XXXX Bankruptcy stating it was dismissed on XXXX XXXX, XXXX. This is inaccurate. Chapter XXXX Bankruptcy was dismissed in XXXX. This Chapter XXXX Bankruptcy has since been removed by XXXX credit agency. Bank of America account was never a part of Chapter XXXX bankruptcy. There were never any liens /liabilities filed against this record 

Company response: Company chooses not to provide a public response
Consumer complaint: On Thursday, XXXX XXXX, 2016, I opened a " Bank of America XXXX Checking '' account and a " Regular Savings '' account online. This same date, I received an email notification titled " Online Application Has Been Approved '' along with the ability to access and create my online login ID, which I did. This same date, I mobile deposited the only funds I had, my payroll check, to my newly created checking account. The bank put a hold on my money, so I reached out to online chat to inquire why and was told the funds would be available the next day, Friday. The next day, I attempted to login to my checking account to determine whether the funds were available and could not access the account. I again reached out to the bank via chat and phone and after being given the run around for nearly an hour, found out they closed my account without notice and had my money. This same date, my mom went into a local branch to speak with the branch manager regarding these events, and was unable to get any useful information. I checked with my current bank, XXXX, and do not have any negative or derogatory financial marks against me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I transferred money from my card to a bank account. The same night i was charged again. I spoke to customer service three times and was told to wait 24 hours. Which i did. I was then hung up on when i called again and asked for the eztra charge to be reversed and my money put back on my card. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was recently charged a {$98.00} fee by Bloomingdales for an original purchase of {$27.00} for shaving oil, due to the fact that I never received a bill. I moved XX/XX/XXXX, and although I filed a change of address with the post office, I never received a bill from Bloomingdales. However they charged me XXXX late fees even though I never received a phone call or bill. Today I checked my credit score and this bill was added to my credit as late payment. I have proof that I changed address and during this time I did receive Macy 's information, although nothing from Bloomingdales. I asked Bloomingdales to send me proof that they sent bills but have yet to receive any from Bloomingdales. The only other purchase I made with the Bloomingdales card was a leather jacket that cost over {$800.00}, and this balance was paid off with XXXX payments. Most interesting was that Bloomingdales did not even have the address that I moved from, so I find it hard to believe that they mailed me any invoices. 
I am very angry that this is now a negative mark on my credit for a small bill of only {$27.00}. I am not that silly to ruin my credit for such a small amount and would like Bloomingdales to be punished for their shady tactics. 

Company response: Company chooses not to provide a public response
Consumer complaint: rec in the mail offer 6.29 apr, if approved, was approve but came back 11.5 apr their adv is misleading 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This item was previously disputed thru credit karma and removed. Now it is with another collection agency and I never heard of them nor did they send me notification of the placement prior to reporting to my credit report. Proper notification must be made prior to placing on my CB info. I request for this to be deleted due to failure to notify me. I dispute this debt being listed. Per the fair credit reporting act, I must be notified of the account prior to placement and also if I request validation it must be sent. Remove this item from my CB. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I am trying to re access my free credit report so that I can print a hard copy. I ran out of ink the first time and was unable to print out on the spot. Please guide me through where i need to go to put in my report # and report date. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had fraudulent activity on my Citi credit card that I disputed in XXXX. I was issued a credit and received confirmation all had been resolved. Then on XXXX XXXX, 2015 I received a letter saying the transaction had been reversed. I immediately called Citi and was told the office that handles disputes was closed and to call back the following day. I did as instructed and called back. The agents I spoke with said the wrong department had handled my dispute originally and that another disputed had been issued with their fraud department and for me to expect a refund in approximately 2 weeks. Well here it is 2 weeks later and still no refund. I called them yesterday and was told that I had 15 days to respond to their letter and since I had not responded the matter was closed and there was nothing I could do. I explaine that I most certainly did call as soon as I revived the letter and the agent at Citi said no I had not and nothing else could be done. She would not allow me to speak with a supervisor so I 'm left no other options at this point other than to seek your help to gain resolution on this matter. 

Thank you, XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a reference for my god daughter. Great Lakes 1st called and tried to get information about her because of an " emergency ''. Now I have a letter that offers me condolences because they have information that she died. These are obscene methods to collect 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Remove fraud alert fro my credit profile 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I purchased a refrigerator from Sears. The Sears sales representative made me aware of a two year no interest payment option by applying for and using a Sears credit card. I opened the credit card and made the purchase which included the refrigerator as well as a {$490.00} protection plan, which they assured me could be returned for a full refund. I decided to return the protection plan, which was fairly straightforward. The return was reflected on my account and I was pleased. Some time after this I noticed a charge of {$490.00} and then a refund of {$490.00} on the same day. Since the net effect was zero, I did not think too much of it. On my next statement I see that I am being charged interest on a non promotional balance of {$490.00}. From what I can tell they charged {$490.00} to a " non promotional balance '' and then refunded it from the promotional balance, which was the account that does not charge interest. 

Company response: Company chooses not to provide a public response