AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I want to report Bank of America for its ethics. I have had accounts with them for a long time. In XXXX of this year I transferred a high balance account from XXXX dept. store for a lower interest rate. When I investigated why my balance never seemed to change, the woman at the bank told me my interest rate was 24.99 %. This is higher than the balance transfer from the department store than I transferred from. After many calls and chats with the bank, they told me that 4 years ago I had an XXXX XXXX card and charged {$3000.00}. with that interest 24.99 %, I have no recognition of that. I never had a card to use all these years with that number. It could be true, but I sincerely do n't remember. 

He said they have XXXX interest payments for different transactions on my account. They have been charging this interest rate for 4 years. When I applied for the loan to pay off XXXX dept. store, they broke it up in XXXX accounts. The highest balance was put on the 24.99 % loan. After 4 years, I still owe {$4600.00}. at that rate, I was paying back about {$1.00} a month. I called them several times and, since I have XXXX loans with them, the XXXX loan has an interest rate of 9.9 %, the other is 0 % interest until, I think, XXXX of 2016. I begged them to lower the interest rate to 9.9 % since they have never contacted me to let me know of any promotions to lower the interest. I was too stupid to monitor it until I realized that the amount was never going down and the XXXX interest was less then BOA is charging me. At this rate it will take me 20 years to pay it off paying the minimum. 

I will be XXXX years old in three months. I live on SS and XXXX small pensions They refuse to lower the interest. Are banks regulated? They charge what they want to charge and have XXXX way system of charging you interest. They never tell you that. If you are late, they charge you a {$35.00}. late fee. If you can not pay on time or have no money, what makes them think that adding {$35.00}. will help the person. They refuse to help me unless I was homeless. I have spoken to several people at the bank. I made a partial payment last month in protest of the high interest that I never knew was that high, and paid my other XXXX. Now my credit score is impacted with this and all the other debt I am in. I wish SS would increase our money 24.99 % but they do n't. I think someone should look into the dishonest practices of Bank of America. These banks are under-handed and take advantage of senior citizens. They are cold and unresponsive. They have had it too good for all these years. Is there any way you can help me? I would appreciate anything you can do to help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Macy 's withdrew $ XXXX from my Bank account without authorization. While they refunded the money, I want them to refund associated interest for as many days to all impacted cardmembers. 
Also, they debited my credit card on XXXX for {$430.00} ... WHY? First you take a payment on XXXX on a zero balance and then DEBIT my card on XXXX again!! Why should I pay criminals like XXXX and Macy 's for what did not need any payment??? Refund me all such debited amounts back to the card as well as credit my Bank back on any unauthorized, criminal withdrawals. 
Macys and Citi also changed the credit card site SO MUCH that I can not even download my statement or even see my account details properly, they also undid all my autopay so that they could have me go late!!! I had called the customer reps who also could n't be too much help. Shameful, ignorant and simply criminal! 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I currently have a XXXX and XXXX mortgage on our home. The XXXX mortgage is with XXXX and the XXXX with Suntrust Bank, In XXXX my wife file for chapter XXXX and it was granted. We immediately contacted the lenders to ask for assistance, XXXX was a challenge but your agency assisted us and we were able to obtain a loan modification, we are current with XXXX and have no late payments. The second lender Suntrust was more difficult as they only offered to transfer the entire balance to interest only. for the past 3 years the interest only payment was {$110.00} and we would pay {$200.00} monthly. Today XXXX/XXXX/XXXX we received the monthly statement and the payment has increased to {$400.00}, W e received no warning to this change. We are asking for the agency 's assistance to investigate this sudden change and if Suntrust would look into another solution for us. We struggle each month to make payments but have been making them and on time. I am not computer savy but my wife did save the emails from Suntrust Bank from XXXX to XXXX XXXX - loan officer NML # XXXX that requested hardship notification. Suntrust in XXXX/XXXX/XXXX made XXXX XXXX from the Equity line Modification division the final point of contact sending an email stating that the entire balance was transferred to INTEREST ONLY OPTION.. That email was received on XXXX/XXXX/XXXX. We have even attempted to refinance the mortgages to XXXX lender XXXX since the have the primary but after speaking to a loan officer we were told that due to my wife 's XXXX bankruptcy the loan was NOT REAFFIRMED. The bankruptcy attorney told us that a REAFFIRMATION was not necessary 6 years later and that XXXX was not interested in doing the refinance that would have consolidated the debt and made the monthly payment still within our budget. The SUNTRUST account no. is XXXX. The XXXX account no, is XXXX, We have received Dodd Frank packets from XXXX at least XXXX times and have completed and sent the documents XXXX times, We have never received those documents from Suntrust nor do we know that they should be in compliance with the act. all we want is to keep our home and with payments that we can keep managing. The best contact number for us is XXXX and the email is XXXXXXXXXXXX. We look forward to any helpful information/ assistance the agency can provide. Sincerely, XXXX and XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX filed a judgment against me for an unpaid loan ; however, I was not aware of this because the information was sent to an old address that they had when I entered in the loan agreement. I did not know about the judgment until I pulled a copy of my credit report in XX/XX/XXXX. The first judgment was filed in XXXX XXXX but it was closed. Then they refiled in XXXX XXXX and because I was n't aware of the judgment, I did not appear in court so a default judgment was awarded in XXXX XXXX. The credit bureau originally showed XXXX XXXX on my credit report as the filing date back in XX/XX/XXXX ; however, they have since reported the filing date of XXXX XXXX even though that is not the correct filing date. It is my understanding that a judgment is only permitted to appear on my credit report 7 years from the filing date not the award date. Therefore, this judgment should be removed immediately. I do not have a copy of the original court paperwork because I never received it but I have sent the attached document that was obtained on the court website to all XXXX credit bureaus but XXXX & Experian will not remove the item or update it & the filing date remains XXXX XXXX. They advised me that they verified this information and the information they are reporting is correct. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: CitiMortgage " Dual-Tracking '' activities left me with ruined credit for the last 6 years after I was approved for a mortgage modification by them while they slyly commenced foreclosure activities simultaneously during the modification application period from XXXX 2009 to XXXX 2009. This dual-tracking defeats the purpose of a modification if they were going to commence foreclosure just the same. It smacks of fraud and protects their investment at the cost of consumer creditworthiness and home-ownership. 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan payment for XXXX XXXX, 2015 cleared my checking account on XXXX XXXX. To date, the payment has not been applied to my loan. Contacted Loancare numerous times beginning XXXX XXXX with no resolution. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have bank documents that show closure of both personal checking and savings accounts at Bank of America on XXXX XXXX 2015. However, the company an email on XXXX XXXX 2015 stating the checking account had a {$24.00} deficit after filing a written complaint with the Consumer Financial Protection Bureau. I placed a telephone inquiry to a banking representative XXXX XXXX 2015 about the deficit ; however the person was unwilling to provide any written documentation that verified the origin of the deficit, why the bank processed it on a closed account, why the bank reopened the account to process a transaction with neither my consent or authorization. 

Company response: Company chooses not to provide a public response
Consumer complaint: On or about XXXX, 2014. I noticed that a XXXX phone bill had appeared on my credit files. I requested that XXXX validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter. Now Jefferson Capital Systems is coming after me. I have continued to request that they validation and they continue to allow this to report on my files. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am having another issue with TransUnion keeping my files accurate. Now they have my currect address incorrectly reported as my previous address. What can be done to make sure that my profile information stay updated. If they can not keep consumers information correct then this company needs to be changed and stop handling information for consumers. 
My Current Address is XXXX XXXX XXXX, XXXX, LA XXXX and not XXXX XXXX XXXX, XXXX, LA XXXX. 
I have lived in XXXX, LA since 2012. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo is attempting to sale my home without a legal right to do so. According to the Deed of Trust executed on XX/XX/XXXX and recorded on XX/XX/XXXX in XXXX County ; XXXX, XXXX, solely as a nominee for None Stated dated XX/XX/XXXX and recorded XX/XX/XXXX inthe Official Record Book of the public records of XXXX County, VAgiven to secure the original principal sum of {$700000.00}. XXXX transferred the rights to my property XX/XX/XXXX without notifying me and additional as a number of legal actions have shown, XXXX could not hold the property in the first place. XXXX and Wells Fargo colluded to steel my property. XXXX held my property for over eight years before transferring it to Wells Fargo 

Company response: Company chooses not to provide a public response
Consumer complaint: Checking Account reopened when I closed my account in person with a positive balance I closed my account in person at the XXXX, GA Branch with a positive balance in XX/XX/XXXX. I just moved and tried to open a new account only to see that Regions has reported by account as overdrawn by {$170.00} and reported my account to XXXX in XX/XX/XXXX. I had filed numerous complaints against Regions bank using XXXX. The latest was complaint XXXX. The business provided false documentations about me stating that I never requested my account be close. Here is my response " I received a response from a Branch Manager of a Branch I have never used before. I requested a response from Corporate Resolution, not a Branch Manager. In the response, the Branch Manager provided false information pertaining to my account and about when I closed my account. I will upload their response, so their response will be public record with XXXX on how they manipulate data to fit their agenda. No rebuttal is required from business regarding this XXXX complaint, as I have filed a investigation with the FDIC and XXXX. In addition, since I filed Chapter XXXX in XXXX, Regions is in violation of my bankruptcy rights by filing a false claim with XXXX. '' Instead of Regions Corporate further looking into the complaint, they sent my account to collections. This account was closed with a positive balance with no transactions going through it in XX/XX/XXXX. I did this at their XXXX, GA Branch. They kept my account open without my consent or permission. regions refuses to show me the branch records that will indicate that I went into the branch to close the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo closed my accounts due to CIF. It was their error in that my address and phone number will not fit into their computer fields. I have opened an account with XXXX XXXX Bank but Wells Fargo Continually make excuses as to why they can not deposit my money at XXXX XXXX Bank. They have alienated me from over {$8000.00} of mine for over two months now. 

Company response: Company chooses not to provide a public response
Consumer complaint: I started seeking a loan modification at the begining of 2013. I have submitted all the documents requested for modification. Every time there are excuses from my servicer for incomplete documentation. Recently, I submitted all the documents they had asked and someone called to inform me that I do n't qualify because I have $ 300+ remaining after all expenses. I got divorced few years ago and I have XXXX XXXX I am taking care of. I do n't want to loose my house to foreclosure and I need assistance from CFPB to help get loan modification so that I can remain in my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: In addition to my first complaint I wish to add this information. On XXXX/XXXX/15, after supplying Contour Mortgage with the last of the requested documents, which was an updated bank statement and gift letter. Contour Mortgage informed my loan officer, XXXX XXXX there was more documents and inspections that needed to be done. Well I also found out that XXXX XXXX was not XXXX certified. In my state of aggravation Contour Mortgage I proceeded to make phone calls my way from XXXX XXXX to XXXX XXXX then finally, XXXX XXXX XXXX. After speaking with XXXX, who said he was the person in charge of XXXX and the underwriter XXXX XXXX ), he made it perfectly clear that my loan was locked in and he would go over my loan file to make sure it was processed expeditiously, because I had advised him of the XXXX XXXX 2 ) extensions that had already been made with the seller and we were now going into the third extension with the seller ( HUD XXXX and there would be added expenses relating to this extension. On Monday, XXXX/XXXX/15, I called XXXX to find out how things were moving along and he said he would get back to me by the days end, which he did not, but I did receive an email from Contour Mortgage through XXXX XXXX. In this email there was a PDF attachment which states the new and " XXXX '' Conditions ( Prior to Approval XXXX. In the conditions it said I, ( the buyer ) needed to provide contractor estimates for Lead based paint, electrical, and HVAC system. These estimates have been provided and there is a lead disclosure and credit for work to be done. Also, the utilities can not be turned on to provide an inspection, because the repairs have to be done first, which there is an estimate that was provided as well. Contour Mortgage is also asking that the new estimates they want, MUST come from contractors that hold a valid license and XXXX policy and have Contractor Identity of Interest Certification etc, etc, etc. So, the requested documents I needed to provide went from XXXX to XXXX in a matter of a couple days. I am able to provide a PDF copy of the final demands that Contour Mortgage is requesting. All the information they are asking for was information they had in hand at the beginning phase of this loan application. I am upset they have me jumping through hoops that seem to never end. I can not seem to satisfy the underwriters requests. I have read others reports on the XXXX web site and found there have been others who are dissatisfied with Contour Mortgage Company. My realtor and I have been transparent through this process, but when we ask questions and demand answers, Contour Mortgage employees never answer, never return emails or phone calls or simply put, do n't have the answers, other than a XXXX loan has many steps. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion, like XXXX, like XXXX have as normal decided to write the rules, and support bad behavior that the law was created to protect, they do n't actually investigate any credit report errors. In my complaint, as with my father, my grandfather, my brother, and myself, they instead of reporting accurately, include the names of my relatives to support leaving inaccurate information upon my credit report, in my case they have verified accounts, in verification verified that they belong to my father, XXXX XXXX, my brother XXXX XXXX XXXX or my grandfather XXXX XXXX XXXX, but include upon my credit report as verified. They are breaking the law, but seemingly realize they write the rules, and does n't abide by any regulatory requirements, in my case they have XXXX repossessions for us auto credit, and XXXX that belong to my relatives, they have a charge off for paces run apartments, where I have never lived, but to cover up their wrong doing, include inaccurate names associations, and address to cover up their wrong doing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: URGENT SHERIFF SALE TOMORROWXXXX XXXX WELLS FARGO HOME MORTGAGE IS A FRAUD & gt ; HE TOLD ME LAST THURSDAY HE WAS INVESTIGATING ALL THE CFPR COMPLAINTS AND WOULD POSTPONE MY SHERIFF SALE IF HE WAS STILL INVESTIGATING. 
TODAY HE SAID HE WAS STILL INVESTIGATING AND HE DID NOT CARE ... I WAS GOING TO SHERIFF SALE. MY HOPE COUNSELOR WAS HORRIFIED AT HIS TREATMENT. 
YOU MUST INVESTIGATE THESE HORRIBLE BANK TACTICS. I AM A BANKER FOR OVER 25 YEARS AND HAVE NEVER BEEN TREATED SO BADLY BY A BANK. 
WHY ARE N'T YOU IN THERE LOOKING AT WHAT IS GOING ON?????? 
NOTHING IS WORKING, PLEASE HELP. THESE PEOPLE ARE MAKING IT SO DIFFICULT TO GET A LOAN MODIFICATION. I HAVE HAD XXXX PEOPLE HELPING ME WITH THE MORTGAGE ... THEY ARE A SCAM & lt ; FRAUD. WHY ARE YOU NOT IN THERE???????? 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a XXXX XXXX card through FIA Card Services. I misplaced the card and asked them to expedite one to me as I was leaving for NY. I received the card, activated it as instructed, and upon arriving in NY I used the card to pay for lunch. When I tried to use the card to pay for dinner later in the day, the card was declined. I called FIA and they were not able to give me a reason why it was declined ( they said for security reasons, which is XXXX ). They also locked my online account. Even though I answeredall of their security questions, they refused to unlock my card and account unless I answered questions which I could only do by looking at my account. One question was in regards to recurring monthly transactions on the card. I explained that I needed access to view my account in order to provide that info as I have recurring transactions on several cards but they refused to enable my card and unlock my account. I was of course quite upset and told them to cancel my card, but now they still wo n't unlock my account. As a result, I am unable to view my statements for this card, and unable to verify the payment that they just took from my checking account ( autopay ) and they one that they will be taking out soon. I do n't know if there is a law against doing this type of thing, but if there is n't then there should be. FIA Card Services should be punished for this type of behavior. 

Company response: Company chooses not to provide a public response
Consumer complaint: On three occasions, I have requested that my daily ATM withdrawal limit be raised from {$310.00}. The bank has refused to raise the limit, and when cash was needed for an emergency on a Saturday evening, I was unable to access my available funds. 

Company response: Company chooses not to provide a public response
Consumer complaint: Over the past 18 months or so, I made XXXX balance transfers onto XXXX credit card. The interest rate on each transfer was 0 % until XXXX different expiry dates : XX/XX/XXXX XXXX, XXXX XXXX, and XX/XX/XXXX. XXXX This is the order in which they appear on the interest charge calculation page of my bill. ) I paid the minimum amount due every month until XXXX. Every month, that amount was subtracted from the balance with the 0 % expiry date XX/XX/XXXX. In XXXX, I paid an amount equal to the balance left on the balance transfer with the 0 % expiry date XX/XX/XXXX. Rather than subtracting that amount from the balance with the XX/XX/XXXX expiry date, the credit card company paid off the balance due XX/XX/XXXX, and paid down some of the balance due XX/XX/XXXX. I am now paying interest on the balance due XX/XX/XXXX. This seems very shady and bogus. Is that even legal anymore? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying resolve an issue with B of A since XXXX XXXX, 2015. My frustration with B of A is that I am never able to speak with the same person twice. I am transferred from XXXX department to another. This is a case of fraud but the local Police Department is understaffed and therefore very slow to act. On XXXX XXXX, 2015 I sent a letter to B of A, Executive Relations, in Delaware. To date I have not heard from them. I am XXXX and my husband is XXXX. We live on our XXXX and XXXX Pension. B of A is trying to hole us responsible for {$16000.00} in Credit Card charges we did not make. I have copies of all of the letter to B o A. Anything you could do to help me would be greatly appreciated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed a claim by SunTrust Bank that I owe them in excess of {$100000.00} which they continue to report as owed and in collections. After the first contact, I sent them copies of documents showing that this loan resulted in a judgement that is now satisifed. In 2015, I also received a XXXX for this loan forgiveness. I do not owe them this debt. 

Company response: Company chooses not to provide a public response