AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Sun Trust Bank has been charging my account for seven years XXXX dollars ( XXXX $ ) every month for not having XXXX XXXX as a balance. I would never have agreed to that as I sold my home in 2008, and worked through most of my savings, when I moved from XXXX to XXXX. 

I have not had XXXX XXXX more than two or three months of that whole time.. and want the bank to return that fee for using their bank .... as it adds up to about a XXXX over five or more years. 

I told their bank to stop sending me paper statements, and I would l look online and never saw the fee online.. soo when I saw it the other day, and asked they told me that was the reason that I explained above. I think they had added it when I first deposited the amount from the sell of my home? I think if they see a customer has for years? Or months? have not ever had a XXXX XXXX dollar balance, and they keep charging that, it is unconscionable. 
I do plan to hopefully sell some property in the future, and if I do, i will not deposit that money in this bank, due to the loss of any trust that they watch out for their customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: My complaint is with CFPB. Today - I was told by the lender and the title company that I was not allowed to see the closing disclosure because it 's considered confidential on behalf of the buyer. I am the XXXX. I am the extra eyes that make sure all the fees are correctly reflected. Why is it that CFPB is showing disrespect to XXXX who are interested in protecting their buyers? CFPB should have an authorization form for a buyer that ALLOWS XXXX to complete the process and check to make sure everything is as it should be. Minimizing the role of the realtor in the transaction is a huge oversight for a Buyer and any vendors who 's fees may innocently, and inadvertently left off the closing disclosure. How does that get rectified when THAT happens? I am very disappointed in CFPB reducing a XXXX role in the transaction. That is shameful! A Buyer does n't have a clue without the guidance of an experienced XXXX. Shame on CFPB for making settlement that much more difficult despite all your efforts to simplify. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15 I was on vacation in Florida. My drivers ' license as well as XXXX credit cards and a debit card were stolen. The criminals went on a shopping spree to some of the best department stores and bought items that should have thrown up a red flag to anyone paying attention to their job. Multiple designer watches, multiple designer perfumes and colognes. Macy 's was XXXX of the cards stolen. I called their customer service to cancel the card that same night once I realized the theft. By then there had been multiple large charges to the card. Police reports were filed with XXXX different police departments in Florida, XXXX XXXX, as well as XXXX, Florida. Upon some investigation in the mall where some of the purchases were made I was able to see XXXX of the receipts that were signed by the thief at a kiosk vendor. It was not my signature. At that time I called Macy 's and asked to speak to a manager about the theft. No-one ever returned my call. I visited mall security just to let them know about the theft. They were apologetic but unhelpful. On XXXX/XXXX/15 once I returned from vacation I sent in the letter disputing the charges. I sent another letter of dispute on XXXX/XXXX/15. I have called Macy 's trying to resolve the issue multiple times, each time speaking to someone different and no-one is able to tell me the status or if they have even received my information. I have spent literally hours on hold just trying to reach a customer service agent. The charges put me over the credit limit which was {$2000.00}. Macy 's has since submitted those fraudulent charges to all the credit reporting agencies which has severely damaged my credit rating. I was a victim of identity theft and still feel as if I 'm being victimized by a system that does n't seek to protect its consumers. To get a credit card you have to submit quite a bit of personal information, and when someone fraudulently steals your card no-one even asks for an ID. All the other cards were addressed and those matters were resolved with apologies. I 'm now being charged finance charges for all those fraudulent charges. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XXXX/XXXX/15 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: On my credit report, Enhanced Recovery Company has a collection from XXXX XXXX XXXX for the amount of {$510.00} as of XX/XX/2015. I called and they said there is no information that they can give me besides the account holder 's name and address. The name is not my name and the address is not mine either. 
I have called XXXX XXXX XXXX and all their affiliates, they confirmed that there is no current or past account holder with my name, address or SSN. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A few years ago ( between XXXX and mid XXXX ) i took out a payday loan from Payday America inc in XXXX XXXX mn. I failed to pay the loan back on its due date but paid it during tax time around XXXX XXXX. I went in to the location i originally took out the loan with my mother, there they told me that everything was fine and rushed me off never giving me a receipt. from then on i kept receiving calls from collectors saying that i never paid and demanding that i do so. When i tell them that i have already paid, they call me a liar and usually would hang up the phone on me. i was threatened with a lawsuit last year in which they told me that if i did n't pay the fees would be greater. i freaked out and paid {$250.00} on a {$410.00} bill. Again no reciept when i requested XXXX they said it was in the mail and left it as that. I also informed them that i was going through a hard time financially and that i was unsure of when i could give them the rest reiterating that i had already paid this debt. now i just received another letter threatening to sue me for XXXX dollars. i am already drowning, attempting to care for my XXXX XXXX sister and my XXXX mother, as well as my XXXX children. i feel that they are trying to take more than they are owed and its not right, even when i made a good will effort to pay a debt that had already been paid off. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: They call me numerous times a day with threatening voicemails about taking me to court and me having to pay court costs, but they have n't sent anything in writing stating why I owe them and for what, how much, etc. They are calling my previous place of business, my home ( which I never give out ) and my cell phone- I get at least 5 calls a day. Please help- if they would mail me validation of debt I would be more inclined to call them, but they have not. All they do is leave threatening voicemails. 

I do n't know who they are ( besides being a debt collector ) and why I owe them. They never stated what account they 're collecting on, and further more, when they call my old place of business they 're leaving a voicemail on someone else 's voicemail- this information should be private. It clearly says someone else 's name when the voicemail comes on- so they should n't be leaving a message with them at all. I have n't worked there in months. It 's humiliating because my previous employer is contacting me again about this. I 've told them to ask them to stop calling, but they clearly ( Cooper-Hoffman ) are not complying as requested. 

Company response: Company chooses not to provide a public response
Consumer complaint: Between XX/XX/XXXX, I opened Personal and Business Checking and Savings Accounts at Bank Of America. 
The accounts were fairly active. XX/XX/XXXX Bank of America 's early warning department flagged my account for insufficient funds and closed my accounts, requiring that I pay my the NSF 's and bring my account current before the accounts can be reopened. I subsequently paid all those accounts and requested that those accounts be reopened. 
Bank of America reviewed the accounts and claimed they will never open any account in my name ever again, on the assumption of illegal operation. Since their was neither an investigation or proof of any illegal activity or any intent to be fraudulent, I want to know if Bank of america or any bank can arbitrarily refuse an american citizen or a us resident access to banking services. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for assistance in saving my home from foreclosure. I hired an attorney to assist me. My attorney was advised my loan modification request was denied on XXXX/XXXX/15 verbally. However, my servicer Bank of America has not issued me a denial letter. I wish to appeal the denial as I believe I qualify and there must have been an error. In the meantime Bank of America has set a sale date on my home for XXXX/XXXX/2015. I have requested several times to have the denial letter issued to me and Bank of America does not send it. They refuse to issue it by fax or email to my attorney. They gave me a login and password for their web site stating I can see my denial letter on the web site and when I log in it will not allow me to look at anything. My attorney states they are purposely withholding the denial letter from me in order to burn the 30 days I am allowed to appeal. From what I can see my loan modification was denied on XXXX XXXX, 2015. To date I have no denial letter. Once XXXX/XXXX/2015 arrives they will have blocked me from my legal right to appeal the denial. Then I am sure they will try and go ahead with the foreclosure set for XXXX/XXXX/2015. This not only seems very unethical, but also illegal as I am told per RESPA Reg X ( XXXX ) am supposed to be given a denial letter and also given 30 days to appeal. I tried calling Bank of America again today and once I put in my loan number their phone system will not allow me to speak with anyone. Only leave a voice mail. They are purposely withholding my denial letter in an attempt to foreclose my home. They have been dual tracking my foreclosure process since XXXX 2015. What is the point of having Respa Reg X regulation when banks like Bank of America are not held to adhere to the law? 

Company response: Company chooses not to provide a public response
Consumer complaint: TO START WITH I AM ON LIMITED INCOME DISABILITY AND I SAVED UP 4 MONTHS TO DO THIS IN TOWN TRIP.  I PLANNED EVERYTHING OUT HOW MUCH I WAS TO SPEND WITH MY DEBIT CARD AND THE REST WOULD BE CASH.  I LIVE IN XXXX, NV AND WENT TO THE XXXX FOR AN OVER NIGHT STAY ON XXXX.  THE MAIN THINGS I WANTED TO DO WAS XXXX AT XXXX AND THE XXXX DOWNTOWN.  I BOOKED A ROOM AT THE DOWNTOWNER HOTEL BECAUSE OF PRICE AND ITS LOCATION TO THE ZIP LINE SINCE MY RIDE TIME WAS XXXX MONDAY XXXX.  I CALLED THE HOTEL AND LET THEM KNOW I WOULDN'T BE THERE TILL AFTER XXXX.  WHAT I CHECKED IN THERE WAS A NEW GIRL WORKING THE OVER NIGHT SHIFT AND IT WAS HER FIRST TIME DOING A SPLIT PAYMENT.  I HAD HER PUT XXXX ON MY BANK CARD THE I PAID CASH FOR THE XXXX DEPOSIT AND THE XXXX SERVICE FEE.  WHEN I CHECKED OUT I GOT MY XXXX BACK THEN THE NEXT MORNING I TOOK XXXX OUT AT THE BANK AND IT SAID I ONLY HAD A LITTLE OVER XXXX LEFT.  I WENT HOME PULLED UP MY ACCOUNT AND SAW XXXX CHARGES FROM THE XXXX ONE WAS XXXX WHICH WAS RIGHT THEN XXXX WHICH SHOULDN'T OF BEEN THERE.  I CALLED THE BANK AND   I TRIED TO GET HELP STOPPING THE EXTRA CHARGE THEY SAID I HAD TO TALK TO THE HOTEL.  THE ONLY THING I GOT FROM THEM WAS THAT THE GIRL ON THE NEXT SHIFT DIDN'T THINK THE NEW GIRL CHARGED ME.  WHILE DOING ALL OF THIS I GOT XXXX OVER DRAFT CHARGES XXXX EACH.  I CALLED THE BANK AGAIN AND TALKED TO THEM ABOUT THE OVER DRAFTS AND ABOUT HOW I PLANED EVERYTHING AND THAT'S WHEN I WAS TOLD IT WAS BECAUSE OF THE XXXX CHARGE BY THE HOTEL  WAS TOLD THAT SINCE IT WASN'T THEIR MISTAKE OR MY MISTAKE THERE WAS NOTHING THE WOULD DO AND I WOULD HAVE TO GET THE HOTEL TO GIVE ME THE MONEY BACK.  I WENT TO THE BACK BY MY HOUSE AND THEY TOLD ME MY HOME BANK COULD REVERS THE CHARGE SO WENT THERE AND WAS TOLD THEY COULDN'T DO ANYTHING AND SAID THAT XXXX PUT IN MY ACCOUNT IF THE XXXX WAS RETURNED THE THE OVER DRAFTS WOULD ALSO BEEN RETURNED.  I TALK TO ANOTHER BANK ABOUT WHAT HAPPEN AND THEY SAID SINCE I REPORTED THE NEXT MORNING MY BANK SHOULD OF DONE SOMETHING AND I SHOULDN'T OF GOTTEN THE OVER DRAFTS.  SO I BORROWED MONEY FROM A COUPLE FRIENDS TO PUT XXXX IN THE BANK SO I WOULDN'T GET ANY MORE FEES AND STILL CANT PAY THAT BACK.
Company response: Company chooses not to provide a public response
Consumer complaint: Please see letter dated XXXX/XXXX/15. My mortgage for acct # XXXX is auto draft each month. I paid XXXX XXXX XXXX XXXX tax XXXX/XXXX/15 from my checking account at Bank of America. I also paid said tax to the same school district, the same time for XXXX other accounts, no problem with the taxes paid for properties : XXXX XXXX XXXX XXXX XXXX Texas XXXX and XXXX XXXX XXXX XXXX Texas XXXX. 

Bank of America in XXXX 2015 started an escrow account and funded it with part of my loan payment thereby making my XXXX and each month after late. Please see list enclosed. 

This is affecting my ability to get a loan, Bank of America turned me down for a loan citing late payments on my credit report that they refuse to remove even though they wrote me a letter saying otherwise. I would like the bank to fix this immediately and post a letter at all credit agency and mail me the same letter certified for my files. 

Company response: Company chooses not to provide a public response
Consumer complaint: While I have been able to talk directly to XXXX XXXX of Bank of America, she and her assistant ( XXXX XXXX ) have repeatedly ignored messages from me, since you closed my previous complaint. I was able to talk directly with XXXX XXXX on XXXX/XXXX/15, in which she made an appointment with me to call me after XXXX on XXXX/XXXX/15, an appointment which she did not keep. When that time period had passed, I called and left a voice mail for her. She did not return my call until this week, XXXX/XXXX/15 at XXXX, while I was indisposed. I promptly returned her call, informing her that she could call me back at any time and leave a voice mail if I was n't able to answer at that time. I have had several questions arise since my first contact with XXXX. I have repeatedly called and asked for a response from her. My questions to wit are : " Is Bank of America willing to work with me as an affiant or do I need to be an executor of XXXX XXXX 's estate? '' and " Did Bank of America pay the property taxes, as they have in the past, for 2015? '' The answer to both of these questions directly affects me and my future arrangements. My attorney also needs to know the answers before she can proceed. I did offer the option of a conference call between the XXXX of us. No response has been supplied, if indeed, this is an option. My understanding of past conference calls is that all parties are notified well in advance of the time, number to call and a check-in ID # for such calls, in order for them to be legal. An " ambush '' conference call is not allowed. Again, I need an immediate response to these questions. XXXX XXXX 's reply to you that she was unable to get information from the consumer is not a valid response, as the consumer, in this case, is my recently-deceased husband, a fact of which both Bank of America and XXXX XXXX are well aware. Thank you for any attention you can give this matter on my behalf. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sold my home on XXXX/XXXX/15 and the mortgage with XXXX was fully paid off and closed. Trans Union is reporting the account open with a {$160000.00} balance. This is preventing me from obtaining another mortgage and I have missed an opportunity to purchase a bargain waterfront property. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX on flight XXXX # XXXX my husband and I applied for the XXXX XXXX XXXX card. We were told by the stewardess, the offer was we spend {$1000.00} each within the first 3 months we would each receive XXXX free miles.Over the past few months, we have made several telephone calls to both Citi and XXXX. We were told to wait for the miles to appear on our statements XX/XX/XXXX. Recently, we called were told we are not eligible for the offer as it had changed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo put a furniture company in charge of representing their services, which were misrepresented, I filed a complaint regarding this account and I was immediately contacted the next day to appear compliant, I was told that someone would contact me within 5 business days and gave me his information. He never called and I have left XXXX ignored messages for him. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit bureau 's failure to provide me with information to prove that this is my account they have stated that they will no longer investigate my claims. I am requesting proof or remove the in accurate information 

Company response: Company chooses not to provide a public response
Consumer complaint: I received 96 month fixed term loan from Bank of America. Made XXXX payment XX/XX/XXXX. Made last payment XX/XX/XXXX. I have made XXXX consecutive payments of amount due and have not missed XXXX payment. I have paid more than amount due totaling {$990.00} and overpaid by XXXX payment ( {$440.00} XXXX. B of A says I still owe them {$6500.00}. How can I owe them, if I followed terms of loan? I wrote them back XX/XX/XXXX and letter came back undeliverable. I was concerned then that my balance was not going down. I filed complaint with you and received response from B of A XX/XX/XXXX. Letter said fixed term loan for 96 months. I do not owe them and I do n't want them to ruin my credit. If anything they owe me for overpayments I made. How can I get this corrected? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have having trouble with Ally. They have called and harrassed me multiple times about my payment. Each time they call i explain to them the same situation. My ex and me are divorced and I travel for work. Also, that I am unable to log into my account online to make a payment or set up auto pay and I have requested them to help me multiple times. There solution is to pass me off to a third party payment call where i have to pay a fee for my convenience. They keep charging me late fees which is unacceptable when i have requested help. I have been harassed multiple times by them and each time i have stated the same thing. I do I have XXXX and sometimes i forget to cal, but when I make the same request over and over and it goes unanswered is unacceptable. 

Company response: Company chooses not to provide a public response
Consumer complaint: Westlake has not been responsive to my requests since XXXX so that I may get current tags on my vehicle. I have made XXXX calls since XXXX asking for assistance and continue to be told it will take various amounts of time for them to get ( sometimes 24 hours, sometimes 2 weeks ). I moved XX/XX/XXXX. XX/XX/XXXX I went to XXXX get XXXX driver 's license and new tags for my car. I was advised that I need to have my finance company request the memo title XXXX, and have them send it XXXX. My temporary XXXX tags expired on XXXX and I am no longer permitted to drive it until Westlake Financial submits the XXXX title. Can you please help encourage Westlake to get the necessary title paperwork XXXX? If I can not work, I can not pay them. 
I called Westlake the following times requesting the memo title be ordered and sent XXXX ( per cell phone records, all times XXXX ) XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Describe what happened so we can understand the issue ... 
I became delinquent with my XXXX dues and in order to catch up a settlement stipulation was proposed and accepted. Approximately 6 months later the attorney who I was sending payments to was fired by my home owners association. At this time the balance owed was approximately XXXX dollars. The new attorney fees brought the balance up to approximately XXXX dollars. I was approved for a short sale by the mortgage company but received an estoppel letter from the home owners assoc attorney, demanding XXXX. After the sale was stopped the attorney demanded the XXXX in full ( even though i was making payments on the settlement stipulation ) or threatened foreclosure. They did foreclose and the association bought my condo at auction for XXXX dollars. Now the mortgage company is auing the homeowners assoc and me. 
In spite of the fact that I had received a modification on my mortgage and was current I believe my homeowners assoc and thier attorneys strong armed me out of my condo. 
I am niw looking at probably having to file bankruptcy due to their actions. Any assistance you can provide will be greatly appreciated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was foreclosed on in 2008. I feel as though I was a victim of fraud, discrimination, scam, and robo signing. The lender in question is Courntrywide Home Loans, now known as Bank of America. I begged and pleaded with this lender to work with me instead of working with parties involved whom were intercepting my information. Till this day I have no knowledge of how all of these terrible things have taken place to displace us of our home. End resulting of the bank working with this ring whom end resulted in purchasing my home from the bank for {$500.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian.com fails to inform applicants of the automatic monthly fee into a forced subscription/ membership. This was my experience upon utilizing Experian.com to obtain my credit report, which I paid for that via online. Please note this was my first inquiry on my own, which I am entitled to obtain for free, however I paid for it and received it. What I did not authorize was to be automatically enrolled into additional services I never requested. Furthermore services for their fee was never provided, I did not receive any assistance for credit issue however they obtained a total of {$79.00} ( XXXX payments of {$9.00} ). This is a hidden and deceptive practice this credit company forces their clients into. Please note I did pay for my credit report but was unaware of the monthly {$9.00} monthly subscription. Experian.com unlike its competitor XXXX does not ask for a credit report, this is something all credit companies should provide for free since a consumer is entitled to XXXX credit reports a year. 

Company response: Company chooses not to provide a public response