AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Citibank 's Aadvantage XXXX announced late in 2015 that it was " waiving '' its foreign transaction fee. Thus I stayed with the Citi Aadvantage XXXX because they " waived '' their 3 % foreign exchange fee. 

Yet now I have noticed that the exchange rate Citi uses for my card/account is about 94-95 % of the market exchange rate on the transaction date. I have compared such rates with those of my ( also no-foreign-transaction fee ) XXXX XXXX and XXXX XXXX cards and noted that their exchange rates are usually around 98-99 % of the market rate for the transaction date. 

So in this way, Citi is still charging me a foreign transaction fee of sorts, they are just hiding it. I have referred this issue to Citi to no avail, and want the XXXX to please ACT on fining or better yet, convince Citi to change its conduct providing a more competitive exchange rate in lieu of " hiding '' their " waived '' foreign transaction fee in a poor exchange rate to their customers. 

I ask you please help correct this issue or ikpose a penalty until the issuer does so Thank you. 

XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: TransUnion has reported misinformation concerning possibly auto loan and mortgage loan. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: These people called me continually back to back like 5 times, when they did n't get a answer they left a voice mail stating that I owed a debt & if I did n't pay it this would be sent to curt & the prices would double. After speaking with them & things sounding fishy ( the fact that some of the info he had was wrong ), I disconnected the call & did a little research which lead me here. The guy then called back twice & left another voice mail using a different name stating due to me refusing he was going to send this to the courts in my area. I called back & asked that they stop calling me to which they said some sarcastic remarke & hung up in my face. This morning my supervisor calls me to her desk & states she had like 3 voice mail messages from the same people & she stated that they left a little to much information on the voice mail. They have called me 3 times today & when I stated that I was filing a complaint & not to cal me any more the guy responded " good for you '' and hung up on me again 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My Ex Girl friend had trouble talking to Bank Of America I got on the phone to help her I 'm not a user on the Account. 
I had an Account with Bank of America and they misappropriated funds that is how they got my information 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Amount of {$100.00} has been paid to " Collection SVC of Athens '' as of XXXX. Both parties agreed that this record will not show nor appear on any of XXXX credit bureaus and any credit reports hence making payment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The Stillman Law Office has been collecting for a XXXX XXXX XXXX credit card that had gone into collections. Stillman filed a Writ of Garnishment XXXX/XXXX/XXXX and I immediately filed an answer to stop this by applying for periodic payments XXXX/XXXX/XXXX. We went to court XXXX/XXXX/XXXX and we agreed on monthly payments. After the confirmation that the writ was canceled, my employer is still getting letters about the garnishment. It is very distressing and embarrassing that they are still trying to collect on a garnishment that is no longer in place. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian keeps re-validating a charged off credit card debt since 2009 by allowing original creditor and the collectors it sold debt to renewing and changing the charged off date to be current instead of 2009. The debt is already past the statute of limitations and also the credit reporting time but credit bureau re validates it every year so it shows it just got charged off contrary to 2009. 

Company response: Company chooses not to provide a public response
Consumer complaint: Over the long Holiday weekend my account fell below the balance needed. XXXX minus. So on Saturday XX/XX/XXXX I went to the bank and deposited XXXX into the account and brought it to about XXXX positive. It remained positive and was enough in the account to cover all small incoming. On Tuesday my account went to XXXX positive to minus XXXX of overdraft fees. I called Bank of America and asked for help in the matter. During the conversation the lady asked me where I lived and I said XXXX XXXX Ca. She replied Oh that 's the wealthy part of Ca. Which is untrue. I replied I 'm on XXXX for a XXXX like really? She declined to credit and charges cause the computer says so. 

Company response: Company chooses not to provide a public response
Consumer complaint: Modification of loan granted in XXXX by Citimortgage then " unbooked '' by Citimortgage in XXXX XXXX due to their " internal issue. '' As a consequence, Citimortgage has reported nine months of delinquent payments and inaccurate balance of account to the XXXX credit bureaus dating the inaccurate data from before the modification was approved. I have documentation from the company assuring me that no negative reporting would occur. I submitted disputes to the bureaus but when updated, information from the mortgage company continues to reflect the inaccurate information with even greater delinquencies. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Select Portfolio Servicing ( SPS ), Inc. recently employed XXXX XXXX XXXX XXXX XXXX ( a law firm ), to send via certified mail a " Notice of Acceleration of Loan Maturity '' letter dated XXXX XXXX, XXXX ( see attached ) to me. As required by Texas Property Code 51.002 ( d ) and the Deed of Trust, SPS is required to send a " Notice of Demand Payment '' and a " Notice of Intent to Accelerate '' in order to provide adequate time to cure the debt and notice me that failure to cure the default will result in acceleration of the entire debt and could lead to a foreclosure and, possibly, a deficiency judgment against me if the proceeds from the foreclosure sale do not fully extinguish the secured debt in accordance with common law requirements. SPS did not send me neither the " Notice of Demand Payment '' nor the " Notice of Intent to Accelerate '' as required by law and the Deed of Trust. 
SPS purchased the servicing rights to my mortgage while it was in default. Therefore, they are deemed a debt collector and not an original creditor in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 803 Definitions [ 15 USC 1692a ]. SPS ( or their agents ) has, despite written requests to " Cease and Desist '', continues to come onto my property and hang notices on my door ( see attached ). 
Finally, both XXXX XXXX XXXX XXXX, XXXX and SPS are in violation of FDCPA 1692e and 1692g ( b ) in that neither the law firm nor mortgage servicer has properly verified the debt. I have sent numerous RESPA requests asking for an itemized accounting clearly explaining each charge from inception of the loan. The payment history and all transactions from inception of the loan to XXXX XXXX have never been produced by SPS nor the previous servicer. They produce a copy of the note and an incomplete accounting which is missing years of records, does not clearly explain each charge with a date and does not reconcile back to the amount owed. Therefore, I am not able to adequately dispute the amount of the debt due to insufficient itemized accounting records. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello, I would like to file a complaint against the Renton Collections Inc. XXXX XXXX XXXX XXXX XXXX WA. I have notified this agency multiple times both by phone and mail not to contact us regarding our debt with XXXX Hospital. Today they contacted my wife at her place of employment. When my wife spoke with them today they again refused he direction not to contact her at work. They refused provide any information regarding the debt. I called and spoke with XXXX XXXX who said she was a manager. I explained to her that I have notified them several times not to contact us as we are working with the medical group directly. She then became abusive and refused to provide me with her supervisors contact information. I indicated that they have again violated the FDCPA by contacting us. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Never could receive my credit report from Experian who has the wrong birth date. I can not even see it because it says I am a XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My property was included in a Chapter XXXX bankruptcy in XXXX XXXX and sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. Shellpoint began 'servicing ' the loan on XXXX XXXX XXXX. They never contacted me to tell me they were now the servicer of the loan nor did they ever send me a bill. They then reported the loan 180 days delinquent to the credit agencies XXXX XXXX. 
After being denied a credit card in XXXX XXXX, I checked my credit report and found 'Shellpoint Mortgage Servicing on it. I contacted them and they said they were not trying to collect on the debt, but that they simply " servicing the loan according to the original agreement '' and were " protecting the creditor 's rights ''. Therefore they would not remove the entry on my credit report. 
My understanding is that a mortgage service company must make a 'good faith effort ' to contact the consume to avoid this type of situation. 
I think the laws regarding companies buying bad debt years after its discharged in a bankruptcy need to be addressed. If it was n't allowed these things would probably not happen in the first place. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I put my settlement check in to bank of america and not once did they tell me my account was closing and they refusing to give me any response and have been giving the run around for three weeks with different lies. I been tryning to be patience but they are refusing to give me all my money and ca n't not give a reason for why its taking so long. Im still waiting for my money to this dayXXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Again, I lived in XXXX from : XX/XX/XXXX, until XX/XX/XXXX. ALL XXXX-Credit Agencies are reporting my ADDRESSES from THAT TIME ... ( ALMOST 5-YEARS ), as me STILL LIVING IN XXXX! How can I live XXXX, & have an ADDRESS ( OF LIVING ), IN THE UNITED STATES? Please have ALL XXXX-Credit Agencies, take off any & all PREVIOUS ADDRESSES, from that period of time .... ( XX/XX/XXXX til XX/XX/XXXX ). 
Also, make sure ALL XXXX-CREDIT AGENCIES take off ''AFNI COLLECTION AGENCY '' report of the FRAUD .... ( already filed a report or claim to your Agency : # XXXX ). 
I PAID this XXXX XXXX XXXX Mobile Cell Phone '' off, via my ''B.B. & T. Bank '', XX/XX/XXXX ... .for : $ XXXX-Dollars. Despite me paying this off, ( even thou I did ''NOT '' owe it ). After I discovered I DID NOT OWE THIS BILL, I ASK MY BANK TO REFUND MY MONEY OF $ XXXX-Dollars ... which they are yet to do. I have filed a Dispute with ''B.B. & T. Bank '', for the above amount. 
Even thou I paid this FRAUD OFF ... .. '' XXXX '' STILL IS REPORTING THIS ON XXXX '' & XXXX '', as still being on my Account, ( as PAID OR CLOSED ), BUT STILL LISTING THIS ''FRAUD '', on my XXXX-above Credit Agencies. I requested ' '' XXXX '' to take this FRAUD OFF OF ALL XXXX-CREDIT AGENCIES, & they XXXX '', has ''NOT '' done this, despite THEM telling me that they would. 

PLEASE TELL ''B.B. & T. BANK '' ... ... TO REFUND MY XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BB & T CHECK CARD PURCHASE {$320.00}. 

PLUS, TELL ''B.B. & T. BANK '' ... ... TO REFUND MY LATE FEE AS WHEN I DEPOSITED THE CHECK FROM : XXXX XXXX XXXX XXXX THEY ( WERE SUPPOSE TO DISCARD MY CHECK, AS I NOW HAVE XXXX VA '' ... .INSURANCE FOR MY WIFE & SON ... .. ( AS I 'M A XXXX VETERAN ). THEREFORE, I DO N'T NEED THIS XXXX. 
SO HAVE ''B.B. & T. BANK '' TO RETURN THE {$320.00} ... ... ( AS XXXX '' LIED TO ME ), THEY TOLD ME I HAD TO PAY THIS OFF!!! & THEY WOULD TAKE IT OFF OF MY CREDIT REPORT ... ... AGAIN THEY LIED ... .TO DATE THEY HAVE NOT REMOVED THIS ITEM FROM MY CREDIT REPORT. 
MAKE SURE ''B.B. & T. BANK '' ... ..ALSO RETURNS MY LATE FEE OF $ XXXX-DOLLARS WHICH THEY CHARGE ME AS WELL. 
Thanks, XXXX ... ... ... OVERDRAFT FEEGet this notice fast. Sign up for free BB & T Alerts. 

Printable VersionYour account had insufficient funds to pay XXXX item ( s ). BB & T paid the following item ( s ). 

BB & T ONLINE BILL PAYMEXXXX $ XXXXTotal Item Amount : $ XXXXTOTAL OVERDRAFT FEE : {$36.00} {$36.00} - $ XXXXXX/XX/XXXX Check XXXX XXXX XXXX XXXX XXXX # XXXX View {$140.00}. 

AT FIRST THEY ONLY GAVE ME CREDIT FOR $ XXXX-DOLLARS, DESPITE THEM KNOWING OR THEM TELLING ME, THAT JUST AS SOON AS I GET THE ' '' XXXX XXXX XXXX CHECK '' FOR {$140.00} ... ..*DEPOSIT THE CHECK ... .... ( BB & T. BANK ONLY GAVE ME CREDIT FOR $ XXXX-DOLLARS! ***MAKING ME OVERDRAWEN*** 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of XXXX, I received a letter from Citimortgage stating that the Making Home Affordable program announced an expansion of borrower " pay for performance '' incentives for eligible loans modified under the Home Affordable Modification Program ( HAMP ). Since I did have this type of loan, I assumed this program applied to me. It lists the criteria I must meet in order to be eligible to received a {$5000.00} incentive and the {$5000.00} incentive would be applied as a lump-sum principal balance reduction payment shortly after the 6th anniversary of my HAMP Trial Period Plan effective date. It also states " that the incentive will be shown on your monthly Mortgage Account Statement, and THERE IS NO ACTION REQUIRED FROM YOU '' to get this incentive. I waited for my anniversary date of XXXX/XXXX/XXXX for the incentive to be applied. On XXXX/XXXX/XXXX, when I still did not get the incentive, my wife phoned customer service to ask what had happened and was told that I was supposed to sign the recertification papers and send them back. WHAT RECERTIFICATION PAPERS? The only paper that I received was the letter dated XXXX XXXX, XXXX, that I 've enclosed for your review. AT NO TIME, did I receive any other papers to sign or else I definitely would have signed them and sent them in. I was just under the assumption of the instructions on the letter, NO ACTION REQUIRED FROM YOU. If the letter had said, unless you send in your recertification papers by a certain date, you will not be eligible to receive this incentive, I would have called and said that I never got any such papers. Now, according to the customer service rep that my wife talked to at Citimortgage, the time has passed to send in these papers and that because I missed the deadline, I will not be getting this incentive. I feel that this letter was misleading and lead me to believe there was nothing more I needed to do to get this incentive. I ca n't begin to tell you how completely devastated I am that I will not be getting the {$5000.00} incentive. I have paid my mortgage on time for over 6 years and I think it is terrible that they can do this to me. Whatever help you can give me in this matter would be extremely appreciated. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: their is company called XXXX that re reported me after the time limit has expired and after they deleted me experian has not helped in removing them even that i sent the prove which you will find in attachment 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There are several numbers the debt collector calls from. I have talked to them repeatedly and have asked for more time to pay the debt and I have told them I will pay them. My problem is they call me every XXXX minutes all day. The numbers are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and that is all from today. That is six times already and they called 11 times yesterday. I asked that they stop calling so much, to call once a week. They are going to get me fired and then I will never be able to pay. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: BANK of America is reporting inaccurate information on my credit report. I requested information from them via a certified letter using the FCRA statue 623 on XXXX XXXX, 2015. They have ignored my request & continue to report accounts negatively on all XXXX credit reporting agencies. The credit reporting agencies say it 's my responsibility to provide them with all the proper documents but I was n't born yesterday. I know it 's the data furnishers responsibility to provide all the proper documents when requested by the consumer. I would like this information removed from my report immediately. I 'm including all correspondence I 've sent to the credit bureaus as well to get them to remove & they 've always passed the buck back to the data furnishers. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX Investment company has contacted me a work on at least XXXX occasions when I have repeatedly explained to them that I refuse to discuss my private business while clocked in and on my work phone that has recorded calls. Now when they call, I jus hang up since they do n't seem to understand words. They have also called my phone in upwards of XXXX times in 1 day, usually back to back they have also made just as many calls to family members and friends that I listed as references when I filled out the application for the car. Earlier today, I received an email from them to confirm that I authorized them to take money out of my bank account. This was a lie. I never spoke to them to make this agreement. There customer service agents are extremely rude and do not listen. The way they run their " business '' is disgusting and I will not be harassed for the remainder of time that I 'm making payments on this vehicle. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have sent numerous letters to Hunter Warfield asking them to validate the debt. While I was still awaiting them to validate the debt, I received numerous calls from their office to my cell phone. Mind you, I have never had any business with them and have never given them my cell phone number or work number, let alone given them permission to call either of the XXXX. The problem I am having is misrepresentation on my credit report. For the last XXXX6 months, they have changed the original amount on my credit reports. How does the original amount change? This is inaccurate reporting and therefore they must remove this from my credit report. After disputing this several times with the credit bureaus, they continue to verify this information with XXXX but not with me. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I am new to USBANK and am very concerned with their unethical ways of charging overdrafts. I have had several instances where I will have a total of {$100.00} in my account and my total charges come to a total of {$110.00}, XXXX leaving me with a negative balance of - XXXX I accept blame for this but where their practices seem shady is where they will charge me {$36.00} overdraft fee for EACH item that comes through within that time frame .. instead of XXXX over draft of {$36.00},. they tell me they are charging me for EACH item they had to pay for in that time frame. Even though they already " pended '' out all current charges and subtracted them from my available balance so they could not be used and that XXXX transaction caused me to overdraft .. they charge me for MULTIPLE overdrafts. Now, i understand they had to pay the negative item transaction that came through which made a difference of negative {$10.00} that there was not sufficient funds in my account to cover it but to tell me they charged me {$36.00} for transactions that I clearly had money in there to cover all items besides XXXX is ludicrous. They then charge me an additional {$180.00} XXXX XXXX overdrafts at {$36.00} each ) causing me to become more in debt and then more overdraft fees. I already live in poverty and {$180.00} can go a VERY long way. I have talked and emailed a formal complaint to USBANK themselves with no help. I talked to a customer care rep today by the name of XXXX and she tried to explain the overdraft working of their bank. This did not help and left me more confused. XXXX instance is, my account statement clearly states I had {$23.00} in my account when a debit charge came through for {$8.00} leaving me with an available of XXXX I was charged {$36.00} overdraft fee leaving me with a negative balance of - {$20.00} which in turn caused a {$7.00} transaction to be hit with a {$36.00} overdraft fee. When does it end? I now know the reason why more people are using re loadable visa cards. Their online banking is also very confusing to which I think is on purpose to collect more overdrafts. They also told me the monthly statements do not reflect how the transactions are taken out of my account? How is this possible? and how is it possible for me to see what is going on with my OWN MONEY when they do whatever they want. Please help. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I currently have disputed an appt from XXXX XXXX that is on my account with a balance of {$950.00} that has been sent to collections that I did not open. I currently have been having XXXX service for over two years now and did not authorize this XXXX XXXX account to be open. I did contact XXXX XXXX to inform them that I did not open this account nor did I ever contact them to have this account opened. XXXX XXXX did inform me there was nothing they could do for me. I need this removed off my credit report due to I did not authorize for this account to be open under my information 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Ref : Bank of AmericaI have been working with a loan modification since 2010 bank of america and since then bank has damaged my credit ; I have a credit card with the bank never paid late bank has reported on my credit file I filed Bankruptcy never did. Lender has denied me to reopen my account after I settled loan modification and has discriminated me on my credit application or denied credit. I explained never had or claimed bankruptcy and bank america still showing it on my credit report and refused to deleted error inf.. Can not apply for any credit card and my credit has been damaged by the bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: Many times I did disputed an account that showed as an adverse account in my Transunion credit report. I sent by mail and uploading online legal documents to support my dispute but the credit report company results indicated that this information wo n't be deleted. 

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