AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: About two and half years ago I purchased a copy of my credit report and had noticed there were addresses and some credit card accounts that was not mine, among these account XXXX them was with bank of America. I had immediately contacted the credit bureaus and had notified them about my identity was stolen .Also same time I did a police report and ftc report and contacted every XXXX of those account that was showing up in my credit report that did not belong to me and explain to them about my identity was stolen and all of them took care of the account that was opened under my name but having problem with Bank of America that been giving me the run around for the past two and half years. I had send them the following letter certified mail more than ten times, Dear Sirs or madams : An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature. 
Any other documentation that verifies the account is mine. 
If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports. Until this matter is cleared up, I firmly request that you stop reporting this account altogether. Please give this matter your prompt attention. I had disputed this account with credit bureaus and bank of America and nothing happened so far. bank of America has not responded to me. at this time I need your help to get my problem resolved with bank of America. 

Company response: Company chooses not to provide a public response
Consumer complaint: My son, college student, working a part-time job, received his first paycheck in paper form XXXX XXXX, 2015. He had 30 min lunch to deposit money and grab lunch, he is also a XXXX. He tried the bank app to take a picture of the check for deposit, a confirmation email stated it was received and to wait for another email for for approval and processed, which he received. His account showed available {$200.00} out of the {$630.00}. He attempted to use his debit card, but it declined, he checked mobile banking and it stated that the check bounced and he was assessed the fees and now negative balance. He did n't have the time to wait in the busy bank lobby so he deposited the check in the atm. When he did that, US Bank froze his account and debit card, he spoke with customer service and they said that it would be fine after they check the atm to verify the paper check and fix his account it would take 48 hours. After waiting 3 days, he contacted customer service again because he was still locked out of his account, the representative stated that fraud had his account and they were working on it, if anything else the hold would auto release on XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and we continue to get the run around from US Bank and his account is still locked and he still has no access to his funds. Good thing I gave him money. My son conference me with US bank on the phone around XXXX pst XXXX XXXX, 2015 to add me to his account so that I could contact the bank and fix this mess, I gave all of my vital information, address, phone, name, dob, ssn, driver license info, everything, I contacted the fraud department this morning XXXX XXXX to find that non of my information was added or even a record of the call that transpired. My son is walking to the train station on his way to work this morning, he called them again, the rep stated he has access to his account the check cleared back on XXXX XXXX? Ummm, still cant use the debit card or access his account 2 weeks later ... .This is poor customer service and extremely poor banking practices. my son has never broken the law, never been in trouble, does n't party or do drugs, this was, what we are learning now, a mistake but honest on his end, he needed to eat something the day this started because he is a XXXX and all of this could have been avoided if he was n't consistently being lied to. now the reps are telling him the branch he opened the account with is the only one that can unlock his account. I want to know who has my vital information if it was never added, this might be a cause of identity theft and fraud. My son needs assistance with his dealings with US Bank and I need assistance on laws regarding my identity, please help us. 

Thank you .... 

Company response: Company chooses not to provide a public response
Consumer complaint: RE : CFPB # XXXX XXXX XXXX provided verification that they sent the correct tax amounts to Seneca Mortgage Servicing LLC on XXXX XXXX, 2014. 

Faced with this evidence, Seneca is now contradicting the statement they made to the XXXX that the error was caused by the " prior servicer 's tax vendor '' and have now stated to XXXX XXXX that the error was actually caused by Seneca 's own vendor, XXXX. 

I am currently unable to locate and identify XXXX and XXXX is not in the CFPB database. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I requested a loan modification and a principal reduction several times from Wells Fargo for my property located at XXXX XXXX XXXX XXXX, in XXXX XXXX. At the time of I was being reviewed for HAMP in XXXX 2014 my property was valued at {$67000.00}, the comps in my neighborhood were valued in the range from {$22000.00} to {$55000.00}. Wells Fargo Bank denied my loan modification under HAMP using my monthly gross income of {$2400.00}, Wells Fargo did not reduce the Principal Balance as allowed by HAMP. Wells Fargo did not Provide me with a Net Present Value review, this what have revealed the true value of the home and what method the value was obtained, furthermore, the XXXX would allow me to see what the projected HAMP modification would be the interest rate and the amortization schedule along with the any reduction of the principal balance. My gross income used of {$2400.00} would have been sufficient for a repayment of {$67000.00} at a interest rate of 2 % and amortization of 30 years. Instead Wells Fargo placed the excess principal amount which exceeded the value on the back end of the loan, a maneuver which HAMP would not allow. This action caused my payments to accelerate ever year way beyond the true value of the home and provided for Wells Fargo Bank to gauge me for payments legally, however to their dismay I refused to sign such a one sided agreement. Therefore, my punishment is foreclosure. 

Company response: Company chooses not to provide a public response
Consumer complaint: COMPLAINT REPORT OF SUSPICIOUS ACTIVITY POTENTIAL RACKETEERING AND/OR MONEY LAUNDERING This complaint is by and from family Date : XXXX XXXX, XXXX To, WHOM EVER THIS MAY CONCERN/ WHOM EVER IN AUTHORITY REGARDING : XXXX XXXX and XXXX , XXXX. ( XXXX XXXX XXXX For the Firm ), Attorney for XXXX XXXX BANK TRUSTEE, XXXX. XXXX XXXX, XXXX XXXX, FL XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), XXXX. XXXX XXXX XXXX, XXXX XXXX, SENECA MORTGAGE SERVICING LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, THE ALLEGED " TITLE HOLDER CLAIMANTS '', XXXX XXXX XXXX ( RESIDENTIAL MORTGAGE LOAN TRUST XXXX ) C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX above mentioned ALLEGED " TITLE HOLDER CLAIMANTS '' are not the true title holder claimants on record and are attempting to deprive me ( i.e. XXXX : of the XXXX family, the Secured Creditor ) of my {$290000.00} promissory note, security, investment, and private/ personal residential family home in XXXX XXXX XXXX XXXX.I have no prior existing written contract with the above named alleged title holder claimants that they can prove on and for the records as true, complete and not misleading, under the risks and penalties of perjury that I am obligated to XXXX or must sell my house without my consent and valuable consideration. BREACH OF SECURITY. 

I have a strong compelling feeling and supportive reasons to feel that I am being extorted, embezzled, robbed, defrauded, deprived, racketeered, discriminated against, lied to, libeled, defamed, induced, and prejudged by the above listed alleged title holders. 

I am competent of what a contract is and I am aware of my will to choose good or bad, and to say yes or no. My no 's is no and my yes 's is yes. I do not consent means I DO NOT CONSENT. Coercion and duress is a crime. It breaks my heart to be put in this emotion wrecking situation and not know anywhere else to go for help and relief. 

I have absolutely no contract with the above alleged title holders and my name has been forged on fraudulent assignment sheets which I can furnish as proof if requested to. 

I have the original wet ink signed warranty deed of trust to the house although the original creditor ( i.e. XXXX XXXX XXXX ) has been breached do to a undisclosed conveyance of my promissory note which should have been applied to my liabilities pursuant to the XXXX, the XXXX XXXX XXXX XXXX XXXX, the XXXX, XXXX XXXX, XXXX XXXX XXXX, the Federal Reserve Act, the XXXX, the Negotiable Instruments Act, and the Bill of Exchange Act. This soo called " debt obligation '' has been paid in full and has been sold as a security asset in the secondary market/ the security and exchange market. Sincerely, family, In XXXX ALL RIGHTS RESERVED UCC XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My XXXX accounts with Barclaycard were closed on XXXX XXXX, 2015. I have been given next to no information on why, just vague statements like " due to terms and conditions '' or " bank policy ''. I have written a letter as instructed to request more information and received a very generic form-letter response with no additional information. I just spent over an hour on the phone with representatives and a supervisor and they were still unable to give me any indication as to why my account was closed. 

Since my account was closed, my XXXX points were forfeited, and even though I had valid charges eligible to be redeemed at the time the account was closed, they refused to allow me to redeem against them. 

Company response: Company chooses not to provide a public response
Consumer complaint: My account was closed unexpectedly on XXXX XXXX, 2015. I have been given no reason for the closure. Calls to the company have been completely useless. I also find it ironic that I had just made a charge which would have allowed me to remain more than half my accumulated rewards. Perhaps Barclay 's did n't want to pay me for the XXXX points I had accumulated? 

Company response: Company chooses not to provide a public response
Consumer complaint: Just by coincidence my mortgage company customer service dept told me my escrow was almost {$5000.00} short. With further digging I was told that when I refinanced in XXXX 2015 the homeowners insurance somehow was not included by the servicer although it is on the good faith estimate and the HUD statement. This means for last year no money had been put in my escrow for homeowners insurance although my monthly payment at closing was calculated based on taxes principle and insurance Now I face an extreme shortage in XX/XX/XXXX which is when Texas does annual analysis. I am so angry thinking that all along all my fees were being paid when I paid my monthly payment. I have spoken with the mortgage company and the company that did the refi application today and they are looking to see what happened. They should be held responsible as they made me have this shortage. If my monthly mortgage payment was to include my homeowners insurance, where is that portion of my monthly going if it has not gone towards the insurance? 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: When I purchased my home in 2006 I believe that I had obtained a rate whose rate was only fixed for 5 years and would adjust afterwards. When the 5 year mark arrived the rate did n't adjust. I contacted Wells Fargo and they insisted the loan was with a fixed rate and the rate would not be changed. I tried to refinance the mortgage and despite many attempts they have refused to refinance my mortgage under any circumstances. 
I reached out for assistance from Wells Fargo and despite the fact that I sent the same information repeatedly they insisted I had not furnished them all the information required. They also kept moving my case to other people. It seemed that they on purpose would request the same information over and over just to discourage you from asking for assistance. 
I have been current with my payments and I am locked in a mortgage at close 7 % which is far higher than the market and ca n't get the bank to refinance me. I think the mortgage when I first signed for it was misrepresented to me and I believe that in order to correct that misrepresentation some accommodation should be reached. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Brandsource which is a city bank card. I went to pay off the account.Told them funds was move to my checking account from the sayings account. They show acct paid when spoke to them on XXXX/XXXX/16. Told a rep payment wo n't go though once they put show the balance I would call in a pay it off. Citi bank has hit my savings account 4 times now. Even with me calling them again on XXXX/XXXX/16, XXXX & XXXX/XXXX/16. It is costing me fees. I was told by them they will hit the account as many times as my credit union allows. Since account still show a XXXX balance I have asked for a paid in full letter they would send on and they have n't. I want them to stop hitting my savings account and pay me back the {$75.00} dollars they have cost me in fees. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My SEARS Master Card statement with statement closing date XXXX/XXXX/2016 for SEARS credit card shows a new balance in the amount of {$250.00} with a payment due date of XXXX XXXX, 2016. On XXXX XXXX, 2016 I paid the amount of {$250.00} in cash at SEARS store located at XXXX XXXX XXXX located in XXXX XXXX NY, XXXX. I will enclosed a copy of the payment receipt. The receipt date located on the bottom left corner of the receipt shows a date of XXXX/XXXX/16 as well as a copy of journal display printed by a SEARS associate for that point of sale showing XXXX as the payment timestamp. 
I received a text message on XXXX XXXX to call Citibank about my Sears account at XXXX. I promptly called and a representative told me that my account is overdue. I explained to the representative over the phone that I have paid it in full and I have the payment receipt. The representative directed me to fax the receipt over to the investigation department at XXXX XXXX. Then I called to make sure that it was received. Since XXXX XXXX 2016, I have been calling every other day to check on the status of the account. The representative talks to me as if there are no notes on the account about telling the bank that I have already paid, faxed the payment receipt and an investigation is under way. When I ask about a case number or a reference number to this matter, I am told that they ca n't give it to me. Last time I called was on XXXX/XXXX/2016 at around XXXX XXXX XXXX. I was told that my payment is still overdue. Frustrated and worried, I decided to go back to the store again. I showed the manager at the store my receipt. She kindly called the credit department with the store information and the receipt information and she was told that the account was credited on XXXX XXXX, 2016. Because now I do n't trust what I hear anymore, I called the XXXX number on my card and listened to the automated account information and indeed it mentioned that the payment was received on XXXX/XXXX/2016. The payment posted date is 17 days after I actually paid at the store. 
According to page XXXX of the credit card statement which reads as follows, Payment other than by mail. 
In store ( where Available ). 
Any payment in proper form accepted in-store will be credited as of that day. 

This means that I have honored my obligation and paid in full a day before the payment due date not 17 days later The Bank refuses to 1- follow its own published rules on page XXXX of the credit card statement and change the payment posting date to the date of payment at the store. 
2- Reverse the LATE FEE although payment was NOT late 3- Reverse the Interest Charges although the entire balance was paid in full before the due date. 
Because the bank does n't admit to its errors, I am concerned that it will report my payment as late to the credit bureaus. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My home was vandalized two days before XXXX on XXXX XXXX, 2015. I reported the incident to my insurance company who has dragged their feet in making good on the claim, however, they finally issued a check which was sent to Bank of America. Bank of America had numerous request prior to them issuing the check to begin the work, all request which were told to me or put in writing I complied with. I have been calling Bank of America on a daily basis to insure the completion of the process. Bank of America representative stated to me the reason I was facing challenges with the process is because some borrowers take the money and do not repair the home? I am at a loss as to why this statement was told to me? Bank of America was in receipt of my contractors license and the bid to repair the home. I believe this statement was made to me because I am a XXXX borrower, XXXX XXXX, and I fail to see what the statement had to do with my process. The representative from Bank of America as added additional stress and worry regarding the completion of my home, I feel there is a hidden agenda, and not all borrowers are practically accused of stealing. I have been in my home for over 12 years I am vested and want the work completed more than anyone. The conditions in which me and my son currently live while waiting on the repairs has been a struggle. Because of the damage to the carpets and floors we are force to walk on plywood, it is almost impossible to keep the home warm. Once we are home we spend as little time downstairs where it is freezing and most of our time is confined to our bedrooms. I was not aware until now, that Bank of America had XXXX set 's of standards for borrowers, one they feel at liberty to say anything to and treat anyway without regard, and the other, they quickly process their claims., 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This company is moving forward with a NOD and has entered a sale date on my home, when my loan servicer is working on a loan modification this is a violation of California XXXX laws Dual tracking and other violation XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: About a year ago, I submitted a complaint on my fiances behalf about Renton Collections in XXXX, WA. Last year, we tried to make contact with them to find out about a medical collection they had put on his report and find out where it came from and if it was his, a way to settle it or way to pay it. Not only did they refuse to furnish him proof of where the debt came from and where almost the {$1000.00} 'interest ' was coming from, but they also talked down to him threatening to take everything from him and told him he was n't allowed to call them more than three times a day ( after they continuously hung up on him and I ) and then when we could get ahold of them, they told us we were n't allowed to call again until the next week. After I submitted the complaint the last time, this 'debt ' he 'owes ' mysteriously disappeared from his credit report. And now, over a year later, they 've randomly put it back on his credit report as not only a new debt, but as one that 's in dispute. We have not contacted them or spoken to them in over a year and we want this off his report where it should be. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: This is with respect to my experience with Bank of America, XXXX, NJ Branch. I contacted them for a pre qualification of a mortgage loan before I can put an offer on a house I was interested in buying. I made it very clear to them that this is just pre-qualification and asked them if doing it will have any impact on my credit report, and if it did then I do n't want to proceed with them. They made it very clear that this will only be a soft check and it will in no way affect my credit history/report. I went ahead with the pre-qualification with them based on this assurance. However to my surprise my credit history was affected as they run a hard check on my SSN. When I contacted them asking for explanation, the person said she was not aware of it and said she was sorry, but said there was no way to fix it. This happened on XXXX/XXXX/2015. I even complained to the BOA redressal cell, but never got a response back from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: The banks Wells fargo and XXXX have a charge off on my credit that I do n't owe on and they refuse to verify the debt 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My mortgage was transferred from XXXX XXXX XXXX XXXX to Specialized Loan Servicing ( SLS ). During the transfer my account was labeled as being in " Bankruptcy '' and therefore my payments submitted to SLS have been returned. My account is NOT in bankruptcy, I have been current with all monthly payments, and there are no negative reports of late payments or past due charges. I have tried for three weeks to have SLS remove the bankruptcy status on my account so I may submit payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have visa credit for 6 yr never mists any payment the problem is my name Im a man and my name XXXX XXXX the keeps asking me to verify account info. ... Everytime I input my credit card info and press enter it gos back to ... Every time it asks for verification, it 's like all my address information, plus my .... Go into bank and show my ID 

Company response: Company chooses not to provide a public response