AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Yes we my wife bought a car and in order for her to get the car I had to sign in on the note as well. Right now we are separated and have been for a year she got a rent house to stay along with my son and I 'm paying child support as state order we both had jobs that downsized which changed our income tremendously and I 'm staying with my sister and husband. Now I 'm trying to get a place for myself to live but GMAC has a suit on me and I was denied a place to live because of it with no idea of the suit.My name is XXXX XXXX XXXX, XXXX ... XXXX XXXX XXXX XXXX XXXX, Texas XXXX ... XXXX ... ssn XXXX. But the return on the automobile was vouluntarily on my wife part because she got a better car for the prices and it was stated to her to do that..my its affecting everything I want to do..it just killing me to get ahead here. 

Company response: Company chooses not to provide a public response
Consumer complaint: Kimball , Tirey & St. John LLP representing XXXX properties. First, have not removed the civil judgement from my credit report. Second, the reason JKW did not except my money at the court proceedings was because they wanted me out for reporting them to housing authorities. Third, it has been over seven years. Furthermore, after reporting them they had the pipes in the build replaced due to the poor quality of water being dispensed. At the court proceeds I had the money and they did not want to take it. I can not believe that a legal firm would ethically represent such a reprehensible firm like XXXX properties. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hi there, Please help me! I am trying desperately to get accurate information on my XXXX! I am paying almost XXXX USD a year, I can never talk to someone and no one does anything, to resolve this issue! I have the feeling to be ripped off every of XXXX USD and nothing is done! 
I have filed XXXX business disputes, I have sent all legal documents to help resolve this issue. And nothing is done, as they keep on reporting completely wrong information, they are mixing our XXXX with an XXXX which has nothing to do with us! 
I have attached XXXX of the last business dispute emailI am so frustrated and I am seriously thinking to press charges! 
Looking forward hearing from you! 
XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: bank or credit union must give you at least 30 days ' notice before adding a new fee or increasing an existing fee. after I paid off my mortgage with Bank of America, my bank started charging me for my checking account {$25.00} per month without notice for 3 months. as I asked for refund, the rejected my request. Please review that chat session when I tried to get my money aback and the BA representative refused to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a credit monotoring service after a breech in my personal information with a hospital I attended. I received an alert that XXXX has made a hard inquiry to my credit reports. I already have a credit account that am currently paying off from XXXX so I sent a message via online to XXXX asking who had authorized the credit inquiry. I spoke to XXXX on saturday and was told that this was forwarded to the fraud department and flagged so no credit increase or credit account was open but they did create higher security features to my account so that no one can use make any changes to my account without my verbal consent. I am not only working to improve my credit but do not have any interest in obtaning a higher credit with kohls. XXXX is aware that this inquiry was not mine and suggested I speak to the credit agencies to have this inquiry removed since nothing was changed in my account. The incident was flagged and nothing happened as a result. YOu may contact XXXX directly to confirm this. I ask that you please remove the hard inquies as i have not authorized these. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing because I reported a fraudulent charge to my credit card company, they refunded my funds and now they have put the charge back on my account. I explained that I was the victim of identity theft and do n't know how someone also used my card without my permission. The charge was for XXXX for a company? XXXX My bank said they would issue my credit, they also cancelled my card because of the fraud I assume but now they are trying to take my money back. Thought I would see if you could help me before I have to spend more money on an attorney who said he would file arbitration paperwork or go to court on this matter Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: A few weeks ago I got a credit report alert stating that a negative item was reported on my credit report. After I log in to check it out I found out that a collection agency name XXXX agency on behalf of XXXX and XXXX was reporting information to the XXXX credit bureau without validation of the alleged debt. I called the agency and spoke to the first rep and I informed him that why was negative item being reported to the credit bureau and this allege debt is not validated and I requested that the debt be validated. He refuse to hear what I have to say and I requested to speak to a supervisor and one came on the phone with the same attitude stating that they requested a bill from the original creditor and as soon as they get it they will forward it to me. I told them that this is not satisfactory because the alleged debt should have been verified before they put a negative mark on my credit report. Up to this date I have never received any correspondence from XXXX agency or XXXX and XXXX who they are supposed to be represented. I have never received any validation on this allege debt. Reporting negative information to the credit bureau without validation is a violation of both federal and state law. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have exhausted all avenues with Experian to obtain my credit report online. I have been unable to purchase the report online and have been unable to contact them by phone. This is a simple request that should be easily handled. I have obtained my credit reports from XXXX and XXXX without any problem. I am working to dispute information on all three of my credit reports and this issue with Experian is causing me great inconvenience. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed XXXX trade lines reporting in my credit report with Trans Union, I attached a copy of the credit report with red marked items, attached a XXXX search from Secretary if State office of MA. After the " investigation '' all XXXX trade lines remind unchanged. 
I am attaching in this file all my filing. 

thank youXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My Husband and I went through bank of America for a loan to purchase a home. Prior to making an offer, we approached XXXX XXXX XXXX at BOA to see what we can qualify for and get pre-qualification. After our visit and presentation of all the requested document, he issued us a loan application number ; XXXX and told us we are good to present our offer from BOA to the sellers agent. At that point, we contacted an agent XXXX XXXX to represent us as we began the process. We also gave {$5000.00} to be held in escrow as our commitment to the home. 
With no pending reason for a denial because we had a credit in the low XXXX 's, and sufficient amount in the bank to cover for approximately XXXX-XXXX % of our purchase price, we proceeded. 
one days prior to close of the loan, the Bank of America Home service specialist, called us saying that the loan will not be approved and asked if we have " more money to put down '' very devastated as this was only approximately a day prior to close and us receiving keys. 
He proceeded to tell us that the initial loan he thought would work for us, which was a XXXX loan ( he called it a XXXX. Loan ) was not possible and that he did n't know it was for only XXXX. He was asking for another almost XXXX after we have showed proof of over XXXX that we had set aside for this home. 
We contacted the seller and our agent of this grave disappointment and then proceeded to check out other options as we were told that BOA is notorious for such practices. 
We went with XXXX who offered us a jumbo loan with better terms. But as loyal bank of america customers which we have been since we were married, we wanted to give them another chance since they had all our information and we wanted to close in a timely manner. they promised and appealed with us that they would match the Credit Union Offer and we again believed them and cancelled our application with XXXX to come back to bank of America. again the same thing happened. two days before close of escrow, and us receiving the keys, Bank of America again called and said they could not close the loan and wanted us to furnish about 1 year of home payments verifiable in our account in addition to 25 % down payment. 
they had switched the script on us so much that we could not get the loan or the home that we felt very confident we could afford and had very strong credit and work income. We make over XXXX year and have great credit but for whatever reason, this incompetent banker or the inefficient methods of bank of america home mortgage department caused us much grief, disappointment and shame. 
To worsen matters, our {$5000.00} deposit to the escrow company has not been refunded and we need this amount refunded. We did not chose to abandon the process we could not qualify and get approval for the home we wanted to buy and we see no reason why our deposit to the escrow company is being held. Please we need this rectified and this mischief and thievery addressed with the Escrow company XXXX XXXX and Bank of America. 

Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX letters sent to the mortgage institution in order to request the money is available, according to the monthly loan statement, and they did n't answer it. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I logged onto my Bank of America online account on XXXX XXXX and my account showed that I had a payment of {$32.00} due on XXXX XXXX. I made the payment at that time. When I logged on again on XXXX XXXX, my account showed a past due amount of {$32.00} and a late fee of {$25.00}. I verified that the payment of {$32.00} posted to my bank account on the XXXX of XXXX and called B of A. I was told that my XX/XX/XXXX statement closed on XX/XX/XXXX and that my payment of {$32.00} for XX/XX/XXXX was applied to my XX/XX/XXXX statement. After I explained that my online account showed a payment due for XXXX XXXX, the XXXX reversed the late fee and I was told that the payment would be applied to my XX/XX/XXXX statement. I checked my online account today and my statement for XX/XX/XXXX shows a late fee of {$25.00} and past due of {$32.00}, as well as credits for {$25.00} and {$32.00} ( meaning that the credits were applied to principal instead of reversing the charges ). Additionally, my minimum payment amount, which contractually should be 1 % of the outstanding balance was now {$89.00} instead of the {$32.00} is should be. This was because B of A was adding the late fee and " past due amount '' to the minimum amount due ( {$32.00} + {$25.00} + {$32.00} = {$89.00} ). I have contacted Bank of America 's customer service multiply times and have been told that there is nothing that they can do. I feel that it is an unfair and deceptive practice for a company to tell a customer that they have a payment due and after the customer makes the payment, apply it to the previous statement cycle and increase the next minimum payment due. While the increase from {$32.00} to {$89.00} has little affect on my ability to make my payment, I 'm concerned that this practice could but some borrowers into the position of not being able to make the increased payment. If this is happening because of a timing issue between B of A 's online system and accounting system, it seems to me that it is something that B of A should correct, not an issue that should be passed on to their consumers. 

Company response: Company chooses not to provide a public response
Consumer complaint: Unresolved account Settlement : As a final result, " we 've determined the payment was not cashed by us '', after all the payment are delivered to the address provided on the payment stub from the other Money Orders received and post it on my account! The result is unfeasible because it is leading me to believe that the Account Payable Department are going on lunches on my expense, cashing these money orders to different places instead of posting it to my account. 
Since than, I have sent XXXX additional payments, XXXX on XXXX/XXXX/2015 for {$210.00} and another XXXX on XXXX/XXXX/2015 in the amount of {$74.00} ( balance from adding all of my receipts and confirmed from the last statement of XXXX/XXXX/2015 ) which should bring the current balance at {$0.00} again. 
It has been my experience that Customer Service is well practice from the people working at the gas stations, always treated me with respect as well as the agents when calling about my account issues. 
Unfortunately, after submitting all of the supportive documentations several times about money order payments, written the same way, sent at the same address provided on the payment stub, confirmed legitimate address due to, receiving back the Certified Mail Post Card, and cashing them of which some are not getting post it on my account, causing the balance due to fluctuate outrageously amount after each time a manager get 's involve. 
Furthermore, I have great concern about how the company 's Account Payable Department is attending their affairs, such as : - The money orders are received, cashed, written and submitted the same from the ones that are post it as 'Last payment Amount '' and some that are not. 
- Continuation of " Current Balance '' fluctuating higher after payments received and confirmed by your agents. 
- Inconsistency about my account information when speaking to the managers that are disrespectful ( strongly suggest to lesson to your recorded calls ). 
- Repeatedly losing the money orders sent on a timely manner. 
- No confirmation by manager about the interoffice practice in your company. 
These factors are raising a great concern because it is SABOTAGING my account to possibly damaging my credit score. 
How would you feel if this would to happen to you? 
With all due respect, I am demanding that my account be resolve immediately of which it has been going on since XXXX 2015. Please, adjust all surcharges for late payments and to reimburse me of all of the money spent proving a legitimate business with your Company. 
I hope that you understand my frustration and help me about my concerns. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been charged {$61.00} in overdraft fees for a {$6.00} transaction that occurred while my account balance was {$25.00}. I transferred the funds into my account and waited for the website to indicate the funds were available before I made the {$6.00} transaction. The website did not indicate the funds were pending but that they were currently available. Furthermore, I specifically requested at the time I opened the account that any transactions not covered by available funds be denied. I was assured by the bank representative this would be the case. I feel I have been mislead and literally robbed of my hard-earned money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I check to my credit report and see mbb I have reached out to them several times and yet to hear back from them. I reached out to the credit bureaus and they say to contact them directly. my credit is being affected by something that is not mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2013, I suffered an emergency room visit while traveling for work out of state. I was seen by XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX Utah. Phone : XXXX. I presented them with my medical insurance and was discharged the same night. I told them I was traveling for work and that my company 's work insurance should pay for the visit. I never heard from them again ( a year later, I moved ). When I ran my credit report in XXXX 2015, there was a medical collection for {$650.00}! They never tried to contact me ( my phone number has n't changed in XXXX years ). They refused to delete the collection from my report after I paid it in full ( no longer worked for the same company ). By then it was with a collector and they refused to re-call the debt. They shared my personal medical information with a debt collector, violating HIPAA and refused to re-call the debt even when I offered to pay in full and even after I explained I had no knowledge of the debt. This collection is reporting on both my XXXX and XXXX reports and I would like it removed due to HIPAA violation and the fact that they did n't disclose it to me prior to sending to collections. 

Company response: Company chooses not to provide a public response
Consumer complaint: Asked XXXX to defer XXXX payments, was told I needed to bring my account up to date before they would 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX for {$230.00} is incorrect. Insurance covers XXXX % since my daughter is on XXXX. It 's not my fault they never filed the insurance. Not to mention, I never received a bill for this. I 'm assuming it 's from where my daughter XXXX and her father was the responsible party at that time. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX, XXXX, and finally on XXXX I attempted to transfer {$21000.00} from our account at Wells Fargo to our account at XXXX. On the XXXX I contacted XXXX from the Wells branch on XXXX XXXX XXXX and he provided specific instructions to make this transfer through XXXX, XXXX 's fed wire agent ( routing number, account number, account name, etc. ) while on a conference with Wells ' desk officer. The instructions were prepared by the desk officer and the funds were wired. Next day the funds were returned as owners of the XXXX account had not been included. This was corrected on the XXXX but again the funds were returned due to a typo. On the XXXX the exact title of the account was recorded and the funds were again wired ; however the account title was too big for the computer field and the last XXXX letters of the last name were truncated. Unfortunately this wire was accepted and the funds were applied not to XXXX 's account, but to the account of a XXXX retail customer. When XXXX finally determined what had happened, on XXXX or XXXX, they messaged Wells to explain and further said the funds would be refurned within XXXX days. On the fourth day XXXX informed Wells that they had gone to the incorrectly funded account to retrieve the money but the funds were n't there and therefore XXXX would not be returning the funds and that furthermore XXXX was closing its case on this transfer. Iwas informed of XXXX 's decisions on XXXX and further told that as XXXX had closed its case there was nothing further that Wells could do and that Wells, too, had closed its case. The matter was eventually referred to an " executive resolution team " and on XXXX I was informed by a team member that there was nothing that the bank could do : " We have our rules. If you are unsatisfied by our decision you should get a lawyer ... ''. I responded that only Wells Fargo had the standing with XXXX to argue for the return of the money and I believed that Wells was obligated, at least by good business practice to pursue my claim ; but was told again to get a lawyer - " ... ..we 're sorry, but we have our rules and there is nothing that I can do. " I am told by attornies that litigation will likely cost more than {$20000.00} and that Wells ill likely respond by giving the matter to XXXX of its retained law firms with the instruction to make this problem go away. As courts are reluctant to award damages to cover the cost of litigation it seems that I am frozen out. Frankly, I suspect that this arithmatic is central to the bank 's " rules '' which seems predatory. I am pursuing counsel and every other venue which I can think of. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have placed a complaint against Wells Fargo ( case XXXX ) in regards my Certificate of Deposit that were purchaseD under Wachovia Bank, who has since been bought by Wells Fargo, but all of the local Well Fargo branches are not able to locate the CDs. I recieved a notification that they will look into this issue but unfortunately it has been serval months since contacting them about the situation, and I still have n't been updated to the location of the CDs. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I wrote a letter to Enhanced Recovery requesting that the debt they say I owe be validated ; not disputed, but validated. I asked that their office provide me with competent evidence that I have any legal obligation to pay them. I requested that they send me the following items : What the money you say I owe is for ; provide a detailed list of any and all services or goods purchased and a line by line itemization of charges. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the statute of limitations has not expired on this account. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and registered agent. 

I demanded that they send me a deletion letter immediately if they could not provide me with competent evidence that I have any legal obligation to pay. 

Enhanced Recovery did not send me anything but a balance amount and a dispute letter. This is not what I requested from their company. If they can not validate this debt with evidence, I demand that this debt be removed from my credit report and a deletion letter be sent to me immediately. 

I have attached a copy of my letter I sent and a copy of their letter in response to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for assistance with my lender on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork to my lender Bank of America. I confirmed Bank of America had my full and complete application and all financials ( See letter attached dated XXXX/XXXX/2015 ). Bank of America then recorded a Notice of Sale against me on XXXX/XXXX/2015. I am told per RESPA-Mortgage Servicing Regulation X XXXX, my lender is not supposed to move forward with foreclosure if I have an application submitted 37+ days prior to a any sale date. My application qualifies within that time period and I feel my servicer illegally recorded a notice of sale against me and is therefore is now " Dual Tracking '' my foreclosure process. I am currently under review for a loan modification. The most recent letter ( Attached ) states I have until XXXX/XXXX/15 to provide additional documentation. Although I have already submitted this paperwork on XXXX/XXXX/15, how am I going to comply if I now have a sale date hanging over my head for XXXX/XXXX/2015??? I feel I qualify for assistance. My attorney says I qualify for assistance. Bank of America 's actions seem to violate RESPA Reg X ( XXXX ). 

Company response: Company chooses not to provide a public response