AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a habbit of setting up online payments to pay off the balance on my Bank of America credit card every month. In XXXX of 2015, I noticed that Bank of America had gone in and modified my authorized payment - without any notice to me - to reflect an amount lower than what I had set up. If I had not caught it timely, this practice would have exposed me to interest and fees, despite having received a " confirmation '' for the payment that I had previously authorized. Bank of America representatives initially denied that anyone on their end could change payments scheduled by a customer. After elevating the issue, I was finally told that the modification had been a " computation error '' made by a " new system '' and that it would not happen again. The issue has now repeated itself and Bank of America representatives are now repeating the same lines they used last time, stating that no one on their end can change scheduled payments - despite already admitting after their previous investigation that their " automatic '' system does in fact take actions to modify customer payments and expose customers to interest and fees without notice. 

Company response: Company chooses not to provide a public response
Consumer complaint: They keep robo dialing, and refuse to leave messages or tell me who they are representing. They wo n't send me notices in the mail, to verify who they are. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They will not tell me who the original creditor is have asked several times. They asked for proof of recieving XXXX XXXX months ago I provided it. Now XXXX months later there requesting it again. They have called me at my work in the past I asked them to not call me there within a month they called me there again putting my job in danger. Very rude on the phone. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I was charged without knowing an amount of {$69.00} by creditcard issuer, Spirit airlines. Their card is make based on Bank of America. 
Took me hours on the phone with the bank XXXX Spirit did not answer the phone ) to find out the charge is a fee to became a sort of {$9.00} XXXX member. I strongly refuse and requested to take of this unwanted fee.I was refused by the bank representative that is not working on my side as a customer. 
So the bank did not accept to open a dispute. 
I paid the bill except that fee of {$69.00}. 
In two days I received a new bill with {$69.00} plus a penalty charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am not denying that i owe a debt to XXXX but i recently recieve an alert saying that a account was added to my credit by Allied interstate when this debt was originally added back in XXXX 2013 through a collection company called XXXX so the collection date is all wrong and i will like for XXXX to post the correct collection date because that will make that debt appear to be more recent then it really is and is causing my score to drop. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I RECEIVED XXXX CREDIT CARD ( VISA ) FROM CITIBANK YESTERDAYXX/XX/2015. IT WAS XXXX FOR ME & ANOTHER WAS MY HUSBAND. I NEVER EVER REQUESTED A CREDIT CARD FOR MY HUSBAND. I AM VERY UPSET WITH CITIBANK, HOW THEY GOT HIS NAME. MORE OVER CITIBANK 'S CUSTOMER SERVICE ISVERY POOR. CUSTOMER SERVICE IS OUT OF U.S.A. & THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER. THEY DROP CUSTOMER CALL WHEN EVER THEY LIKE TO DO SO. THIS IS VERY RIDICULOUS. CITIBANK SHOULD BE PUNISH TO DO SUCH ACTION WITHOUT PERMISSION OF CUSTOMER. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a fraudulent charge on my account. After declaring it as fraud the card was closed and I was told I would have a new card in 5-7 days. After 10 days I contacted them again and they assured me the card was on the way. After another 8 days I called and they told me the account was closed and no card was issued. The only way to get a new card was to open a new account and go through the process. After agreeing to leave it closed I asked about the fraudulent charge still on the account balance and I had to go through the process again of declaring it fraud as if it had never happened before. Very disappointing after having the card for over 8 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2010 I was notified by the IRS that someone had filed a fraudulent tax return in my name and received a refund. A police report was filed with the XXXX XXXX Police Department. As a result of this unknown/fraudulent tax liens were placed in my name as well as a BK. 
Transunion removed the BK once I supplied them with my police report and other pertinent documentation, however they re- inserted the BK back to my credit write while I was in the middle of applying for a loan. 
I have tried to reach out to them for the past 6 months and the public record account still remains on my credit even though it is not mine!! 
BK XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: USAA Bank, has no way to make a cash deposit in the State of Nevada, I needed to make such deposits, I have no way to do so, Why do they do business in Nevada. I had a NSF charged to me because I could not make a cash Deposit, I called the day before and talked to a rep explaining that I need to make a cash deposit to my account. She told me to wire the money direct to my account, which I did, they still took a whole day to deposit to my account. Which over drafted me causing NSF of {$29.00} Fee. I called USAA and talked to XXXX, should could not help, I proceeded to talk to XXXX, she gave me an attitude and I am god attitude, and said she would not help me, she hung up. I called back and talked to a XXXX, she tried to help but could not. My complaint is, how can a Banking Institution do business in a State and have NO WAY TO DO CASH DEPOSIT to my account or any other customer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Someone used my id in XX/XX/XXXX and XX/XX/XXXX. I pulled my credit report found a {$15000.00} (!! ) ) bill from montery collections in XXXX. I sent a debt validation letter they sent back a letter stating " the defaulted account will continue to be reported accordingly '' it 's in dispute and on my credit!!! Copy letter attached. 

The computer printed generic contract does n't have my signature, just a printout. They did not validate the debt, nor answer all my questions asking for copy contract my signature, copy their bond and license number, copy papers showing I agree to pay, nothing. They are not licensed to collect debt in State of XXXX. 

They did not send a copy of the agreement showing they are authorized to collect debt on someone 's behalf, nor the name and address of the original creditor as requested. 

I am sending a XXXX letter, which is attached hereto., by registered mail. I am writing the attorney general of XXXX and of michigan as well as the FTC. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello, For the past 6 months I was in contact with Bank Of America and was asking them to extend my loan modification for another 5 years due to the fact that I was diagnosed with XXXX in XXXX XXXX. I explained to them because of my XXXX, and the XXXX and XXXX which I went through, and XXXX XXXX which I had in XXXX, I am not able to put the same hours and work as same as I did before. The Bank of America in the beginning supported me, and actually for 6 months they played with me mentally, and yesterday they send me a letter that I will not be qualified for another loan modifcation, and they are suggesting to do short sale. Even during the period of my XXXX treatment, I borrowed money to pay the mortgae and tried my best to be a good citizen and not be a late late on my mortgage. Now on the letter that they sent me on XXXX/XXXX/XXXX, they are telling me that I dont have any hardship, because for the past 5 years I paid my mortgage on time. I am an XXXX, physically my body ca n't tollerate to work XXXX hours a day to make at least {$700.00} a week, and Bank Of America does not understand that which I only asked them to extend my loan Modification which will ends on XXXX XXXX, XXXX, till I figure out what my situation will be financially and physically. For 6 months, over and over again they asked me to fax, mail them my documents, which I did. Several times they lied that they did not receive my documents, even though I sent them with self XXXX envelope. They assigned XXXX different Customer Relationship Managers over the past 6 months on my case, just to waste my time and to kill time in order for me to explain my case over and over again to new representative, and started everything again. I even several times complained to Bank Of America Heaquarter, but no mercy. I did send them whatever they asked me to do, but at the end they denied everything and telling me do short sale. The Bank Of America got money from the government to help me and people like me in the situation like this, I am shocked that why they are not willing to re-modified my loan for another 5 years, till I know where I am standing with my XXXX. I am not sure if My XXXX is coming back or not?, physically I am very week and do n't want to lose my home and do short sale as they suggested. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America has failed to comply with repeated requests for a loan pay-off statement. 

Bank of America has blocked me from their website for information regarding my mortgage status. 

Bank of America appears to be attempting to delay my closing on sale of my property in an effort to prevent proper HUD recording of my loan pay-off and force mortgage foreclosure litigation. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I ordered several clothing items on XXXX under order number : XXXX. I only received some of the items ordered and when I called to inquire about the XXXX items that were missing, I was informed that instead of those items being sent to me as planned, the items were routed back to the distribution center inadvertently. I was further informed that I would receive a credit for the items that were not received and that if I still wanted the items not received, I would need to place a new order for the items that were not received. I informed the clerk that I still wanted the items not received and she told me that XXXX of the items was no longer available. She then proceeded to place a new order for the XXXX items that were never received ( minus the item that was no longer available ). The new order was placed under order number : XXXX. I was told that I would receive credit for XXXX items never received and that Macys would need to bill me again for the XXXX items on the new order. To date, my account still reflects a balance that includes the XXXX items never received XXXX the charges for the new order. As such I have paid for XXXX of the items from the old order XXXX and have also paid for the item that I was told was no longer available and never received. Each time I call Macy 's about my account, I am told that a credit back to my account for {$180.00} is being processed, but even now, nearly XXXX months later the promised credit has not posted to my account. In the interim, I am being forced to pay interest on a balance that is more than my original order until the issue is resolved. Thus far, Macys has been unable to offer a resolution and each time I call they promise a resolution in another 7-15 business days just to get me off of the phone. I feel that Macy 's business practices are unlawful and unfair to consumers and would like to have the matter further investigated. 

Company response: Company chooses not to provide a public response
Consumer complaint: On or about XXXX XXXX, 2014, I had suffer an injury while in XXXX and was treated at XXXX Hospital XXXX XXXX. I provided my XXXX New Jersey XXXX insurance information to XXXX Hospital. 
On or about XXXX 2014, I received a bill in the amount of {$540.00} from XXXX Hospital and soon thereafter it was reported to TransUnion credit agency as an unpaid debt. ( See Attach TransUnion Credit Report ) On or about XXXX XXXX, 2014, my insure XXXX NJ XXXX contacted XXXX Hospital advise them my bill was in full and on time, and they are to cease and desist billing me. ( See Attach XXXX NJ Letter dated XXXX XXXX, 2014 ). 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion is reporting numerous accounts and inquiries that are not mine. I have requested investigation and TransUnion insists the accounts have been " verified ''. I was able to get to the bottom of XXXX of these accounts and get statements from the companies saying they will be removed from my report. Transunion needs to do a PROPER investigation on the final XXXX things that are not mine ( XXXX XXXX ( reporting late ) and XXXX XXXX XXXX ), as well as delete the unauthorized hard hits on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I happened to check my credit report today and to my surprise, i noted some activities on my credit showing different addresses and phone numbers that i never lived on nor had about. I realized that my credit was compromised and my name was in collection agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a debit from my doctor and i couldnt pay it so they forward it to AMERICOLLECT, this bad company didnt just place the collection for the amount, they split it into XXXX collections to harm my credit and force me to pay it, i called them and i asked to pay each one separately as they posted on claims, i would pay XXXX and they would remove it i said, they refused and they wanted me to pay for the whole thing. 
i do n't know whats going on and how they are able to twist the law like this, for XXXX claim they separate it into XXXX and refuse to settle each XXXX separated as they posted, i believe there is no control on these companies who abuses the collection laws. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: We own a home mortgaged thru Greentree loan number # XXXX. We put it up for sale in XX/XX/XXXX. We were notify by the County that the key numbers were incorrect. We notify Greentree when we had a accepted offer thru our XXXX title company. They were trying to get the neighbors loan modify since XXXX loans were loans were with Greentree .Should be easy fix. Closing scheduled XX/XX/XXXX. Did n't happen. Green tree did n't work with it. Sent tile company that neighbors on XXXX XXXX behind on payment. Fired Title Company hired new now all research done documents sent they email yesterday and stated it could be 6 to 8 month before I can sell my home. I will lose my buyer they have waited since XX/XX/XXXX. I would understand if it was XXXX different mortgage co but the same. I have no idea who to turn to. All I want to do is pay off my mortgage and sell to these buyers. If it is not closed by the end of this month they will back out. XXXX XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On Thursday XXXX XXXX, 2015 I left my debit card at work. I left work and I was half way home when I realized this. I immediately called Bank of America via phone at got the card cancelled and the representative said I could go to any banking center and get a temporary ID. The next day, XXXX XXXX, 2015 I went to get my temporary card at the Bank of America on XXXX XXXX in XXXX Florida. I went there reluctantly because I have had a previous incident of discrimination from XXXX which I documented through Bank of America. I went inside to get my temporary card and waited. I just happen to get XXXX as my representative. When I expressed that I needed a temporary card she said ok flippantly. I gave her my Drivers License and Social Security Card per her request. My drivers license has my maiden name so I gave her my social security as another form of identification. She immediately looked at me with resistance and said I do n't think I can change this but let me see what my manager says. She did this without explanation. She went to go see with her manager not XXXX but XXXX. She came back and said she could not do it. I asked to speak with the manager as I had already had problems of discrimination with this representative before. This should be documented in her records and mine. She was discriminatory against me 60 days prior to this incident. The manager XXXX came over and immediately he appeared agitated. I proceeded to explain the situation and he said we ca n't do anything your license has to match. I advised I had my debit card replaced with a temporary card approximately XXXX times within the past year from over XXXX different Bank of America centers. He advised all of the other centers are doing it wrong. I then said I only have problems when I come to this particular center. Then XXXX said I ca n't believe you remember that. I said of course I do. I remember when people discriminate against me and I told her I would remember this incident of discrimination too. The manager interrupted her as she proceeded to speak and said " You do n't have to speak with her ''. He refused to give me access to my account by way of a temporary debit card and he treated me differently than he did the other customers that were XXXX. Additionally, when I called your offices they said that Banking Center Managers can make exceptions and they do for certain people. I suggest you check the recorded call. He told me that they can treat people differently and that was ok. I know this illegal and it is discrimination. Both XXXX and XXXX were discriminatory. Those are the events that took place on XXXX XXXX, 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX, I received a XXXX notice from the IRS. After contacting the IRS, I was told Wells Fargo Bank had submitted to them a cancellation debt income conversion based on a Home Equity Loan taken out for home improvements under acct # XXXX in the amount of {$6300.00}. In additional, the XXXX XXXX XXXX XXXX also reported XXXX accounts to the IRS same notice for {$490.00} and {$49.00}. I do n't have an open account at either XXXX of these financial institutions. In terms of the XXXX XXXX XXXX XXXX, my accounts have been closed since XX/XX/XXXX. In addition, there was a law suit filed naming them as a plaintiff under cause no. XXXX and all issues were resolved. In terms of the alleged home equity loan, this was suppose to have occurred on XX/XX/XXXX and reported to the IRS on XX/XX/XXXX. Unfortunately, this is the XXXX complaint being filed against Wells Fargo bank and also XXXX XXXX ( within your data base ). I contacted Wells Fargo bank, supervisor and she indicated after retrieving the file that the address on the account was different from my current address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX also provided a different account number XXXX. I explained to XXXX XXXX that I never applied for a loan equity loan via Wells Fargo and I viewed all of these accounts as identified theft and fraud. She referred me to the their fraud division. Within the last three months, I have filed complaints against Wells Fargo bank, XXXX XXXX, and now Wells Fargo bank again. Please investigate what laws have been broken to allow Wells Fargo Bank to fraudulently falsify documents and forward them to the IRS without forwarding to me a Form XXXX, but how was that possible if the address on the home equity loan is different from where I live. It would seem that someone between Wells Fargo and the IRS would have checked the address before assuming that I have XXXX residents since they both have my accounts and my same address ( XXXX XXXX XXXX XXXX ). This incident is a continuation of the identify theft, fraud, and the bank allowing third parties access to customers banking information and accounts. Please investigate and enforce applicable banking laws. 

Company response: Company chooses not to provide a public response
Consumer complaint: Back in XX/XX/XXXX I got very ill ( i 'm a XXXX ) lost my job and my family was helping me pay my mortgage and bills. I got a modification offer letter from my bank offering to modify my current negative amortization loan for a stable loan with low monthly payment and for the current value of the property. I called XXXX XXXX XXXX my mortgagor and I was told that i would not qualify unless i 'm behind on payments for my mortgage. I had a perfect credit with XXXX scores which took me years to build and now I had to default in order to save my house. So per XXXX XXXX XXXX 's advise I did ... .I have been trying to modify my current existing neg am mortgage with my bank- XXXX XXXX XXXX for the past 4 years now. My current loan amount is over XXXX and my appraised value of the property is not even XXXX. Select portfolio services a note servicer for XXXX XXXX XXXX served me with a notice of default in XX/XX/XXXX. I applied for mediation in XXXX. I got approved for a reverse mortgage in the amount of XXXX and we sent in a pay off offer for XXXX for the current loan. SPS declined the pay off offer and countered us to send in a new pay off offer for the amount of XXXX which we did. Then they declined that offer as well, did a new appraisal and are demanding the full pay off for the current note which is XXXX. The property is over 50 % under value, I currently have a negative amortization loan which is going up every month. My house is a full rebuilt from fire has several structural defects and bank keeps asking me to resend documentations to them over and over. I 'm XXXX years old on ssi low income, my house is all I have left and keeping with with reverse mortgage would be only option for me. SPS now is asking me to send them a new pay off offer, new financial statement, new bank statements, new ssi award letter .... I have been faxing them a full set of documents as they request for the past 2 years now. It takes them 2-3 months to review and they get back to me stating that I need to send in a different pay off offer letter XXXX last XXXX I sent was for XXXX and they countered me to send them a pay off offer for XXXX AND a new set of bank statements, XXXX award letter and etc, because what they have in the file is now over 2 months old. I feel like this is a formality and nobody really cares or gives me a clear answer on what needs to be done to either modify or refinance this loan. I 'm very exhausted and now since they denied the last pay off offer through mediation which was for the exact amount that they requested, I now have an " important notice '' from the supreme court of NV stating that they will issue a certificate of foreclosure on or about XXXX XXXX ... PLEASE HELP ME! I DO N'T WANT TO GO HOMELESS AT MY AGE AND CONDITION! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: on XXXX/XXXX/2015 Bank of America processed a Debit for Charged Off Credit card Account. without any prior notice given to me. I am the owner of this account. when I asked the bank for an explanation they say that my son was a co-owner on the account therefore they can take the funds without notice. he is the person we owes the money. I informed them that I need this money for my mortgage, and that I am the owner of the funds, not my son, but the bank will not refund my money. I do n't know what to do its a credit card that my son was trying to negotiate payments on. PLEASE HELP!! thank you XXXX 

Company response: Company chooses not to provide a public response