AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a " Home Equity '' line of credit with Bank of America ( BofA ). THE ACCOUNT # IS : XXXX. 
I am XXXX years old and I 'm retiring. In order to reduce my monthly payments on this account, I went in person to BofA in downtown XXXX XXXX, CA and asked if I paid down my loan amount from about {$220000.00} to about {$120000.00} ( a payment of {$100000.00} ) would that reduce my monthly payment? I was told " yes '' and my new monthly payment would be about {$1000.00} a month instead of my usual monthly payment of about {$2300.00} per month. This is a big monthly reduction of my monthly payments since I 'm retiring. This transaction took place in XXXX, 2015. Now BofA will not reduce my monthly payment after I paid down this account by {$100000.00} in XXXX, 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought my home is XX/XX/XXXX for {$130000.00} with full intentions of living in my home forever, especially since it was in the great location of family and had been in the area for very long time, it was my dream home that came true for me and my children. I Fell behind in XX/XX/XXXX after XXXX XXXX that caused a finicial Hardship, I lost {$13000.00} income that year ( XXXX a month loss ). I Have attempted since XX/XX/XXXX to get HAMP, HARP HIT ... After jumping through hoops with Bank Of America and getting turned downed mulitiple times after submitting paperwork multiple times and being told that my INVESTOR type was the reason I did not qualify for any programs of relief. Although my house value had dropped and I was " under water '', I was being told that I did not qualify for any help. So, I Hired an attorney in XX/XX/XXXX for {$2000.00}. which instructed me to continue working with BOA submitting documents and making numerous calls. BOA sent me letters stating my Investor names. I recieved XXXX lettes with XXXX different investor names on my mortgage. I am now three years into this and the wieght of this has effected my health and overall lifestyle as my future is unknown. My home has become a prison. With the cost of repairs and unknown future, I looked into selling my home, but considering I owe three times more than my home is worth today, that is not an option. Now I am facing Foreclosure however, I am being told that I will be taxed for any debt cancelation amount. And in the end loss my once beloved home. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Bank of America is charging excessive overdraft fees. The charge for being overdrawn less than XXXX hours resulted in a {$70.00} fee. This should n't be legal. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a business credit card through Citibank, a Citibusiness AAdvantage Platinum Select Card. My last statement balance was {$750.00}, and I paid {$700.00} on the due date of XXXX/XXXX/15 ( no disagreement on payment due date or date received ). I was charged interest on XXXX/XXXX/15, in other words 10 days after payment, on the month 's average daily balance, rather than the unpaid balance of {$50.00}. And almost exactly the same situation occurred last month ( with a similar charge ). 

This {$11.00} charge is in addition to the {$100.00} annual fee I pay, and the ~2 % fee paid by merchants. All other credit cards I have charge interest on an unpaid balance ( not the average daily balance across the whole month ), and I find this practice of Citibank 's to be i ) an unusual, illogical, and frankly, greedy attempt to create fees and ii ) unfortunately in keeping with Citibank 's reputation of aggressive and opportunistic ( fees ) behavior. 

Company response: Company chooses not to provide a public response
Consumer complaint: I receive multiple calls from USAA for someone who is no longer at this phone number. I 've asked them to remove my number from their list but they have not done it. I 've had enough. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America seeks to enforce a debt which is non-existent, not based on a final judgment, and beyond the California Statute of Limitations of four years for a contract debt. 

The debt collection is barred by the statute of limitations and enforcement is illegal. 

Researching the matter required the use of a California Licensed Investigator which resulted in a cost to me of {$1000.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent Trans Union numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and remove 1 account that does not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am in the process of purchasing a home and have all 3 credit company reports and only one of them XXXX Trans Union XXXX is still reporting a bankruptcy from 2005. I contacted them and explained the situation and they stated there was nothing they could do. I advised them that the other 2 agencies were not reporting this item. It was stated that at sometime it would drop off. I explained that i was in the process of buying a home and since it was already off of the others if they could just take it off. Again they stated they could n't help. 

Company response: Company chooses not to provide a public response
Consumer complaint: i checked my credit report for XXXX and XXXX and i see a KAY JEWELERS account that says " OPEN '' in XXXX XXXX, 2013 i just want it disputed for both bureaus bc i dont wan tit to keep saying is OPEN when i dont have an account at all 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased an item from Home Depot interest-free fro six months. XXXX, XXXX, told me that there would not be any interest for six months. Butas I was making payments, they added interest, back dating the initialdate of purchase. Now without resolving this problem, they have inflatedthe amount by adding interests, which is not proper at all. Additionallythey cut down my credit line to the amount owed to them 

Company response: Company chooses not to provide a public response
Consumer complaint: EXPERIANXXXX XXXXSTATUS IS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Consulting Services has continued to attempt to collect amounts that are no longer on my credit report. They are showing that I owe a judgement from XXXX/XXXX/07. This no longer appears on my credit report either. How long can a debt collector continue to collect on old debt? I have been threaten, sued and harassed by them for over 10 years. What rights do I have to fight against them? 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Hi, I would like my free annual credit report. I am ineligible for retirement benefits from the US Social Security System - hence the credit bureaus do not have a social security number ( SSN ) on file. 

I can not use the website ( XXXX ) or the automated telephone system ( XXXX ) since both require a SSN. When I eventually get to a human in the credit bureaus, they are unhelpful as they refuse to investigate to get my credit report from their system ( which requires a SSN ). It is very frustrating and time consuming. 

Please instruct all XXXX credit bureaus ( Experian, XXXX, XXXX XXXX, and XXXX to provide my free credit report. 

Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: WAS TOLD BY XXXX THE SUPERVISOR AT US BANK HOME MORTGAGE LOSS MITIGATION/ RELATIONSHIP MANAGER SUPERVISOR, THAT ONCE MY TRIAL PAYMENT PERIOD ENDS THAT MY PERMAMENT PAYMENT COULD INCREASE BY {$30.00} TO {$40.00} PER MONTH. BUT ACCORDING TO THE WEBSITE FOR MAKING HOME AFFORDABLE /DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT/ HUD, THEYCAN NOT INCREASE THE PERMANENT PAYMENT AMOUNT IT MUST THE SAME OR LESS THAN THE TRAIL PAYMENT AMOUNT. HE WAS VERY RUDE AND I THINK HE WAS JUST SAYING ANYTHING TO GET OFF THE PHONE. I WAS ALSO TOLD BY SOMEONE IN THE SAME DEPT THAT I DO NOT NEED TO MAKE MY PAYMENT UNTIL PAPER WORK IS RECEIVED FOR PERMANENT PAYMENT AFTER I HAVE MEET THE 3 TRAIL PAYMENTS. 

Company response: Company chooses not to provide a public response
Consumer complaint: For the XXXX time in three years credit reporting agencies have fraudulently reported information on my credit report that is inaccurate or erroneous. The first occurrence was in XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) who inverted XXXX digits of my SS # and added the persons information and name associated with the incorrect SS # to my credit report as an AKA. It is apparent that no fact checking was attempted by XXXXIn XX/XX/XXXX TransUnion made the identical error by inverting XXXX digits of my SS # and added the same persons information and name associated with the incorrect SS # to my credit report as an AKA. It is apparent that no fact checking was attempted by TransUnionMy Complaint is against the credit reporting agency TransUnion for negligence on their part with not confirming the information they report is factual. Transunion 's negligence resulted in my credit score declining by over XXXX points and a credit card account being closed for poor credit. This cost me personally and professionally by having to spend to date XXXX hours to dispute and attempt to correct and have this this avoidable and erroneous information removed from my credit report. This matter is still not completely resolved with Transunion. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX-XX/XX/XXXX I found and got XXXX items off of my report that was fraud so after that I put an alert on the account to prevent anything else form happening. Well I am wanting to buy a hime but with all the inquires on my account that was not done by me, I put a freeze and am going to file a police report. I work and go to school full time. Well I did speak with all XXXX creditors but does n't seem like I am getting anywhere. I would like for all the items that I did not do to be removed when I asked and called them months ago and it still seems that there are inquires and things on my report that are getting on my report with out me even knowing on what is going on. My credit score has dropped over XXXX points. Now I ca n't get a loan and even when I pay all of my accounts on how it 's supose to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: They are contacting family members regarding some account in 2012. Leaving threatening legal messages and stating they will come and take my vehicle. The name of the business is Fitzgerald Goldman & Associates and the number that keeps calling from a very rude lady at the following number XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have complained to XXXX XXXX and filed a complaint with the PA AG 's office. This account was overcharged for usage and wireless internet access for over XXXX months. Now XXXX is filing a write off on my account for XXXX when in fact they have overcharged me over XXXX dollars in the past XXXX years. Per the PA AG 's office I will be filing a district magistrate request for hearing shortly to get my funds returned. This is reported on Transunion and XXXX credit reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: EXPERIANXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS SHOW UNPAID BALANCE ( SHOULD BE INCLUDED IN CHAPTER XXXX BANKRUPTCY ) ACCOUNT WAS LISTED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed medical collection accounts on my credit and sent these disputes out via USPS certified mail on XXXX/XXXX/15. On XXXX XXXX, I received a letter from Experian stating that they decided the disputes were not sent by me and that they would not be initiating any disputes based on the suspicious correspondence. When I sent my dispute, I included my ID SSN card, proof of address and also marriage certificate. All of my information matched- name on ID was name on marriage certificate, name on SSN card matched maiden name on certificate. Address on ID matched proof of address, etc. I have not disputed anything for a couple of years, and there was absolutely no reason for them to say it was suspicious or that it did not come from me. I am sending a notarized letter including this complaint, proof of mailing the disputes, and the original dispute paperwork, along with other pieces of identification. This is just a blatant refusal to initiate my disputes. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter 

Company response: Company chooses not to provide a public response
Consumer complaint: There were unauthorized transactions on my Wells Fargo debit card from approx. XXXX XXXX through XXXX XXXX. The loss prevention department has issued a provisional credit for a portion of the charges. They issued only partial credit because at the time, some of the fraudulent transactions were pending. I am expecting another credit for approximately {$50.00}. Wells can not give me a timeframe as to when this credit will be posted to my account. In part due to Wells Fargo 's misfeasance, I am now homeless. I do not expect the bank to provide housing, but I would like a clear and definitive answer as to how long it will take to receive the money. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attended XXXX XXXX, XXXX, NV XXXX, and received a private student loan with payments to be made to XXXX XXXX, during and after completion of my studies. I subsequently learned that my payment obligations have been transferred to Campus Student Funding ( CSF ), as a result of DOE finding XXXX was engaging in bad practices. Furthermore, I came across information that private student loans were to be discounted, yet CSF is still seeking the full original loan amount. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I spoke with a rep last week when they called my place of employment. I have asked the company ( Capital Accounts LLC ) not to call my place of employment XXXX times now. The company has my cellphone number as well as my email address, but yet they continue to call my place of employment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian Dispute Number XXXX Dispute Number XXXX An account with XXXX XXXX was settled on XXXX XXXX, 2015, in the amount of XXXX. During the next reporting period, which was XXXX XXXX, 2015 no update to the credit bureaus had been posted. On XXXX XXXX, 2015, I filed formal disputes with all three CRA 's, and within 5-7 days, all three reported my settlement as a single payment, with a derogatory balance remaining. This has further damaged my credit rating. I have attempted to call XXXX, who refuses to update. Also, two of the three CRA 's have stated that their investigation is complete. Not only did the company in question not stick to a written agreement, but my questioning them has lead to them reporting false information, when I physically sent in a copy of the agreement to transunion, with not even a furthur investigation by either of the three CRA 's ; as they deem, to be needed. This appears to me to be a vindictive action of the creditor, being upheld by all three CRA 's, all of which refuse to listen to me. This has hurt my credit rating even further, making it difficult for me to find proper housing ; as, I was left without the home during my divorce. I have settled with several other companies, all of which reported appropriately. I am just asking for the CRA 's to investigate further, which would require XXXX to be honest, and hold them accountable to their settlement agreements. Thank you. Also of note, my payment was sent the XXXX/XXXX/15, scheduled for delivery XXXX/XXXX/15, and picked up by XXXX XXXX/XXXX/15. 

Company response: Company chooses not to provide a public response
Consumer complaint: EXPERIANXXXX XXXX XXXXSTATUS SHOWING SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS UNPAID BALANCE ( SHOULD BE CHAPTER XXXX BANKRUPTCY 

Company response: Company chooses not to provide a public response
Consumer complaint: To Whom It May Concern : When I try to access my prepaid rewards card account I am told that I must answer 4 security questions. First of all, none of the XXXX XXXX Q.s apply to me, and second, why would I share my personal info with a 3rd party, Fidelity National Information Services, which is not XXXX Bank where I have an account and earned the rewards?!! 

In any case, this is more security than I have been asked for by any bank, and it only makes it much harder to use the card, so Fidelity National Information Services can subtract more fees, or force me to call to find out my balance ( which I need to use the card! ), and then be charged even more fees. 

It is common knowledge that these prepaid " reward '' debit cards are a giant scam by the financial industry : I suspect that a large % of the value of these prepaid cards is lost by consumers due to these perverse tactics. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent a letter requesting validation for a debt on my XXXX credit report. The debt is with Indepedent Recovery Resources in the amount of {$110.00}. I sent my first letter in XX/XX/XXXX and did not get a response. I sent another letter on XX/XX/XXXX and once again no response. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX is utilizing debt collection agencies to attempt to collect for a debt I am not contractually obligated to pay. See previous cases XXXX and XXXX. RPM LLC is the latest collection agency hired by XXXX XXXX to collect on a debt I do not owe. XXXX has not produced a written contract to support their position, however, XXXX continues to use collection agencies as their agents to harass me. We are preparing to file action against XXXX XXXX in XXXX XXXX, XXXX XXXX, Arkansas and I will, without hesitation and great satisfaction be glad to amend said complaint to include the collection agency RPM LLC. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have applied for a PenFed mortgage the beginning of XXXX 2015. I have sent all information requested, XXXX times. Had a settlement date and time ( was about there ) my attorney called saying it was cancelled, they did not approve me. Found out they wanted same info again that I sent. I have been patient, but now I was threatened they would terminate my loan application if I do not respond within the next business day with info I gave them and my CPA, he said the papers were sent before. Going on 6 months, they will not talk by phone, only e-mail. Claiming they lost my PERSONAL tax papers!! I feel they are drawing this process out to get me to stop the process and give me a hefty bill. 

Company response: Company chooses not to provide a public response
Consumer complaint: An address I do not recognize has appeared on my credit report. I have never lived or worked at the following address : XXXX XXXX XXXX XXXX XXXX, NY XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently applied for a VA Home Loan through Loan Depot. XXXX XXXX, Senior Mortgage Banker, XXXX XXXX XXXX XXXX, XXXXXXXXXXXX was the contact. It was XXXX/XXXX/2015. I paid Loan Depot {$2500.00} for the Lender, ( Loan Depot ) to get this loan for me and lock my interest rate in at 3.75 %. Between XXXX and abstractor, the process of closing this loan was so slow that my loan interest rate of 3.75 % unlocked and through no fault of mine that I can see, I lost my interest rate of 3.75 %. On XXXX/XXXX/2015 I was forced to pay Loan Depot another origination fee of {$2600.00} PLUS an additional fee of {$1300.00} to secure a HIGHER rate of 3.875 %. XXXX XXXX, Sr. Account Manager III, ( XXXX ) XXXX tel/fax, ( XXXX ) XXXX ext. XXXX, XXXXXXXXXXXX dealt with XXXX and abstractor. 
The amount of time it took for XXXX to get the paperwork in order was very slow. As far as I am concerned Loan Depot knew full well that it was not me dragging my feet or holding up the process but they went ahead and raised my rate and hit me with new charges anyway. I considered that unethical but I signed anyway before they raised the rate against my will again. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF MAILINGHunter WarfieldXXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX : XXXX XXXXAccount Number : XXXXDear Sir/Madam : I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act. 

I dispute this debt because 1 ) I do not owe the debt and 2 ) I never received the item or service for which I am being charged. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. 

Sincerely, _____________________XXXX XXXX : Federal Trade Commission - Consumer Response CenterXXXX XXXX XXXX Department of Consumer Affairs 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My husband recently died a tragic death. He had a XXXX credit card that I was not aware of. He was the primary cardholder. If I was an authorized user I did not know it. I gave XXXX notice of his death ; provided information to close out his homeowner and auto insurance and started a new account with XXXX. I was in the early stages of refinancing our home and a derogatory credit comment showed up on my credit report XXXX : my deceased husbands XXXX credit card. I called XXXX and spoke to someone in the credit card department and explained the situation to them, I was told there was no derogatory or negative information on my credit from them, I was referred to the credit dispute department : Credit Bureau Dispute over Deceased Accounts and I was told to fax a letter to them, they will review, and it will take approximately XXXX days before it is removed from the respective credit bureaus. I completed all that I was told to do and the letter was faxed XXXX XXXX, 2015. It still remains on my credit report and refinancing my home is on hold. I have not anything further from this department or XXXX. 

Company response: Company chooses not to provide a public response