AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX XXXX, 2015, I made a {$25.00} donation to my XXXX support group using my Bank of America XXXX. I never received the bill and, admittedly, I forgot about it until XXXX my other credit cards was canceled because of the outstanding delinquency on XXXX XXXX, 2015 ( FIA Card Services ). When I bought my credit report from XXXX on XXXX XXXX, 2015, I found out about the unpaid bill and promptly contacted Bank of America by phone ( to find out the total outstanding charges, including finance charges and/or late fees ), and paid the bill online that same day ( payment cleared the bank XXXX XXXX, 2015 ). I also requested Bank of America send me a copy of the outstanding bill, which they did. When I received the copy a week later, it said the amount due was {$28.00} ( the amount of the payment I made ) ; the due date was XXXX XXXX, 2015. When I received an updated copy of my credit report from XXXX ( dated XXXX XXXX, 2015 ), I was stunned to see that, although my Bank of America account was now showing the status as " current, '' there was another outstanding bill for {$1.00}. For the second time, I had to call and request a copy of the bill by phone. I paid it XXXX XXXX, 2015 ( the due date on the bill is XXXX XXXX, 2015 ), but I 'm disputing the additional charges ( listed on the bill as " minimum interest charges '' ). I 'm also disturbed that I received no bills in the last 6 months, except when I phoned them to request duplicates. What 's wrong with this picture ...? 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America allowed XXXX withdraws from a XXXX credit card account from my checking account. {$12000.00} taken between XXXX XXXX and XXXX XXXX XXXX all of the payments where sent through a XXXX credit card EPAY system and all were +/- {$2000.00} amounts. 
This is a clear violation of several laws Title III : International Money Laundering Abatement and Financial Anti-Terrorism Act of 2001 - Bank Secrecy Act - PART 353 -- SUSPICIOUS ACTIVITY REPORTS 12 U.S.C. 1818, 1819 ; 31 U.S.C. 5318. 

Company response: Company chooses not to provide a public response
Consumer complaint: Santander makes it impossible to close a bank account with them. I attempted to close my bank account by sending an email to Santander requesting my account to be closed, however they stated that they can not do this via email and would have to call. I then called them on their banking phone number and they told me that the " Bank Account Closing Department '' was closed, despite it listed as being open 7 days a week on their website here : XXXX Not closing my account after repeated requests is a violation of consumer protection laws, and I am now demanding that Santander close my account, unless they want to be taken to court for willful negligence. This is the worst experience that i 've ever had with a banking institution, and with these practices, I do n't see how they have n't been sued already. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a checking account from Bank of America. The lady in XXXX ( IL ) branch told me that as long as I have a total amount of direct deposit over XXXX to the account in a month, that I wo n't be charged with the $ 12 monthly fee. So I did {$150.00} per paycheck, that 's {$300.00} per month. Then I found that I was still charged for the $ XXXX monthly fee twice. So I went to the XXXX XXXX XXXX ( IL ) branch today, and ask for why. The lady and her manager told me that the requirement was {$250.00} per check. And there 's nothing they can do to help me. They asked me to leave and go to the previous branch and talk to the lady who talked with me before. They also said they did not care if I close my account or not, I told them I need my {$24.00} fee back before I can close that account. They said they could not help me with anything and asked me to wait somewhere else. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mother added me to her Wells Fargo MasterCard account as an authorized user in XX/XX/XXXX. I never received a card of my own or ever used this account. In XX/XX/XXXX m mother filed a chapter XXXX BK after being laid off from her employment. She however, failed to remove me as an authorized user from this account before filing. Wells Fargo has reported this debt on my credit report since XX/XX/XXXX and continues to come after me for this {$15000.00} balance. I have made several attempts to have WF remove this negative TL from my credit report but they tell me that their records show that I am the primary account holder and that I owe this debt. They are wrong. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am attempting to refinance my current mortgage that I have with XXXX XXXX Bank with XXXX Bank. XXXX pulled my credit history and in addition to my XXXX XXXX mortgage, another mortgage was listed with Bank of America ( BOA ). I have never had an account with BOA, and this is just an error on my credit report. 

I called BOA on XXXX/XXXX/16 to request that they remove this with the credit bureaus and send me documentation stating that this is NOT my account. I talked to a supervisor named XXXX who confirmed that it was indeed not my mortgage. He said he was unable to send me any documentation indicating that this mortgage was not mine because that would violate a " privacy issue. '' I am filing a complaint because Republic has advised that BOA should be able to send me some documentation - anything, stating that this mortgage # XXXX with BOA is not mine and it is an error that they are correcting with the Credit Bureau. I need this done promptly so that my refinance can be moved along with XXXX. 

I have sent a written dispute into BOA, but they have advised there is nothing they can provide me to prove that this is not my mortgage account. I think this is unacceptable and they should be able to provide something since this was an error on their part. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed an account which it was fraudulently put on my credit report.XXXX # XXXX I demanded proof of signature for verification because it was obvious that all my information was utilized to obtain resident. I have previously reported identity theft but they refuse to remove this item from my credit report because they confirm name, ss #, dob, and any other information which does not verify it was my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ive been homeless in a shelter in XXXX for the last 2 years but my report says a mortgage leoan is out in my name as of XXXX XXXX and a bank card is out in my name as of XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: An account with XXXX XXXX was foreclosed in XXXX, XXXX. The credit reporting agency XXXX and Experian still displays that the account foreclosure is still in progress. XXXX is the only credit reporting agency who rectified the information. The account was foreclosed in XXXX, XXXX and they still have it reported as of XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been disputing inaccurate information on my credit report for over 1 YEAR and yet to have my report corrected. XXXX XXXX XXXX listed is incorrect. The balance is {$0.00} because it was transferred to U S DEPT OF ED/XXXX which I AM CURRENTLY PAYING EVERY MONTH. Yet it is NOT reported that I am in good standing and PAYING currently. 

AGAIN EXPERIAN CORRECT THIS IMMEDIATELY : XXXX ( XXXX DIFFERENT ACCOUNTS ) NEEDS TO SHOW A {$0.00} BALANCE. THE ONLY ACCOUNT WITH A BALANCE DUE IS U S DEPT OF ED/XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am forwarding to Chex Systems the police report. I am disputing XXXX items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Barclays is harassing me nonstop. They have hired XXXX XXXX XXXX to collect a credit card debt from me. I fell on financial hardship and am unable to get ahold of anyone to try to resolve this. They are using auto dialers but when I try to get through to them, I am always passed around. I will settle for less than owed if Barclays will work with me. The harassing me has got to stop and the attorney they hired XXXX is of no help. i will not be treated like i am less of a person or told that I should n't use credit if I ca n't afford it. That is unprofessional! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Company refuses to validate the debt 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015 I got a very attractive credit card offer from XXXX XXXX ( incl ). Major benefit included : " {$150.00} cash back bonus. Spend {$500.00} in the first 90 days of Cardmembership and earn a {$150.00} cash back bonus ''. Same day I 've applied on-line and was approved. On my first statement, dated XXXX XXXX, 2015, I 've spend total {$800.00} and on XXXX XXXX paid in full ( incl ). According to the fine print : Bonus points will be credited to your account 6 to 8 weeks after you reach the {$500.00} spend ( incl ). So, I completely followed the rules and meet all requirements. Then I was patiently waiting for XXXX/XXXX/2015 statement to get my cash back bonus. Unfortunately, my XXXX statement arrived with no bonus and I call the XXXX XXXX customer service. Analyst agreed with my concern and advised me that resolution will come shortly by mail from a different department. On XXXX XXXX, I 've received the letter ( incl ) indicating that bonus rewards will be posted 10-12 weeks from the end of the offer period, which is additional month on a top of 2 month in original offer. I 've wait another month, but XXXX statement also come with no bonus. On XXXX XXXX, 2015 I called again customer service and spoke to several people including the manager. Nobody, including manager, was not able to give a clear answer why I do n't get my cash back bonus. Manager was so rude and unprofessional and told me : If I do n't like the service I should close the account, which I did ... 
Please investigate and advice ; what are we dealing here : false advertising or just poor service? Also, how come such a bad company can use and apply American express logo? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a credit card account with XXXX XXXX with payment history dating back to 1999 and there have being issues with the account and on-going dispute with the bank.Mysteriously the account prior payment history has being removed from my Experian credit file and the account allegedly sold. All I am my requesting is for the prior payment history to be reinstated to have accurate information as the collection agency XXXX XXXX is making false claims and misrepresentation in court about the payment history and status. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hello, My complaint is regarding a Macy 's credit card account in my name and with my social security number that shows up on my credit report. The account was opened in 2004 and has been paid consistently since then, almost always on time. The problem is that it is not my account. I never opened the account and the address and phone number are from states I 've never lived in. 
Somehow my SSN became attached to what I think is a legitimate ( not fraudulent ) credit card account that belongs to a different person with the same name as me. I have contacted the credit rating agency XXXX multiple times to dispute that this is my account but Macy 's Credit Services continues to confirm that it is my account. I have contacted Macy 's, but they have not process to change the SSN on an existing account that is not clear cut identity theft. 
Please help me remove my SSN from this credit card account that does not belong to me. Thank you! 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX - Arizona Routing XXXX Acct last XXXX : XXXX Never owned personal bank account in XXXX or XXXX. 
never had XXXX Account with bank 

Company response: Company chooses not to provide a public response
Consumer complaint: The following dates are when I made contact with Transunion via latter disputing inaccurate information on my Credit Report. On or about XX/XX/2016, on or about the XX/XX/2016 ( Certified Mail ) & on or about XX/XX/XXXX. On or about XXXX/XXXX/16 I called Transunion requesting an update on the status of my disputes and the Representative informed me that they are still being investigated. I replied by saying that it has been more than 30 days since my dispute. I was told to be patient and that my disputes were being investigated. Approximately 1 week letter I got a letter from Transunion AT MY HOME ADDRESS stating they will not investigate my disputes regarding the " Inquires ''. The next day I called Transunion and the Representative confirmed what the letter stated. Furthermore, the Representative told me IT WAS MY RESPONSOBILITY to contact each establishment and have them send me a letter stating that the inquiry need to be removed from my Transunion Report and once I received that letter I can forward it to Transunion. On or about XXXX/XXXX/2016 my neighbor visited me at my home and gave me a letter sent by Transunion to her residence with my name on the envelope. The letter was regarding that they did not have my up to date address and until then a proper investigation will not be conducted ( If that was a true statement why did Transunion successfully send me a letter to my HOME ADDRESS/RESIDENCE on or about XXXX/XXXX/2016 ). Based on this incident it is reasonable for me to think that this is a tactic being used by Transunion to delay in doing a proper investigation to determine if the information I disputed are in addition to bringing into question the quality of their investigation. Transunion has my accurate address. Please note that my first contact with Transunion has been more than 60 days ago. Supporting documentation are available upon request. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I applied for a home mortgage with wells fargo bank 3 months ago. they demanded more and more pieces of information, waited a week or two and then demanded even more. so far i think they demanded the same bank statements XXXX times. XXXX wells fargo mortgage guy XXXX XXXX, dropped out and did n't return calls. the rate is about to go up due to its expiring, and i believe this is a bait and switch technique, where they postpone and postpone and postpone until oh well, you need to pay much much more because time has run out. also the sellers of the house are beginning to pull out and can do so on XXXX XXXX the rate lock in expires XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion recently sent me my Credit Report on XXXX XXXX, 2016. Unfortunately my previous disputed inquires have not been removed. The following inquiries were and are being disputed : XXXX XXXX/XXXX/2016 XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 Please note that for some of the mentioned disputes listed above have been disputed with XXXX & XXXX and removed.Transunion has not complied FCRA. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am asking for assistance on a modification or reinstatement. Their is an amount of XXXX due for a note of {$5000.00} an i 'm offering to pay {$5000.00} and commence payments of {$200.00} a month with the intention of paying all past due withing a year with a Refinance. This company is refusing to help stating it to short of the time per Sale Date XX/XX/XXXX even though I have provided all documentation. I have proven the death of my mother and my hardship. 

Please Help! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Wells Fargo offer a XXXX Pay service to pay other wells fargo customers easily. I used this service to pay someone. The process of payment requires a selection of the " from '' account and the process ensures that sufficient funds are available in order to proceed. There were sufficient funds and the recipient received the amount immediately. 
The next day, I was charged an overdraft fee of {$35.00} for insufficient funds for that specific XXXX transaction. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX sued me for a debt I do not owe in XXXX County Texas per case number XXXX. They had no verification to support the lawsuit other than a computer printout with my name and an address I have not lived at in many years, an incomplete account number and many pages of generic documents that did not apply to the case at all. Prior to court, I requested a verification of debt and they sent the same printout. They did not verify anything with the original creditor. They voluntarily dropped the suit on XXXX XXXX, 2015 but it remains on my credit report still. This issue has been on my credit report for years and has caused me to incurr high interest rates on many occasions. The least they could have done is to stop reporting a debt that is not valid to credit reporting agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received this letter from this company demanding that I pay them for services that they never rendered to me. I never signed a contract with this company. This is the 3rd time that a collection agency has tried to get me to pay this alleged debt 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is XXXX located at XXXX , Florida . XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: US Bank recently cancelled the free night award bonus which was a benefit of their XXXX credit card. I had renewed my annual membership with them for this card solely for this benefit feature. US bank did not communicate clearly with me that the benefit had changed. Instead they added a small notification in my monthly statement to notify that this benefit was set to expire XXXX XXXX. I feel I was misled by US Bank as they advertised at the time I renew my membership unlimited free bonus award for any nights booked with points. My family does a large part of our banking with US bank and are now considering other options. 

Company response: Company chooses not to provide a public response
Consumer complaint: Greentree/Ditech financial group sent me a repossession notice appx. 30 days ago for an insurance amount that was cancelled the date it was paid off. The original amount was XXXX, but the repossession amount on the letter was for appx. XXXX. A payment of XXXX was sent via XXXX on XXXX XXXX, XXXX. Payments were posted as follows : XXXX : {$29.00}, XXXX : {$29.00}, and XXXX : {$120.00}. I received another repossession notice today stating that a payment received of {$29.00} was a partial payment and they were continuing with the reposession ( which should be in the next 48 hours ). The loan was paid off in XXXX of XXXX with a remaining bal. of XXXX. XXXX principal, XXXX interest and XXXX insurance. Original note was 15 yr. simple signed in XXXX XXXX. There were approximately XXXX to XXXX deferred payments. Does n't add up. I have a XXXX XXXX XXXX Grandson to raise and it would be nice to come home to a house sitting on the property tomorrow. Please help. I am uploading several forms at this time for the immediate problem. Copies of all other documents are being copied and printed. I would be happy to send them to you showing loan payments etc. It is a large file and would either need to be sent on a flash drive or printed. Please let me know which will be most convenient. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We contacted our lender XXXX Mortgage in XX/XX/XXXX and told them I had been injured with a XXXX and was removed from the State of XXXX. Husband had lost his job and insurance due to having to leave a job in XXXX to come save my life in XXXX. XXXX XXXX XXXX diagnosed XXXX XXXX XXXX, due to my XXXX there was nothing else that they could do for me. On XX/XX/XXXX my husband brought me to XXXX XXXX where I could receive emergency treatment for Brain injury, neck injury and starvation. We were approved by the VA for a special circumstance approval for short sale. However they refused to provide the needed documentation in order to complete the sale. Instead they sold our loan to Freedom Mortgage Company and set the Auction for XX/XX/XXXX. We had another short sale buyer but could not get the needed and required documents from them either after repeated calls from us and our real estate agent. Our buyers were there for the auction however no one should up. I called them and was told it had been postponed for the short sale they would not cooperate in providing the documents. Auction rescheduled for XX/XX/XXXX. 
Legal notifications do not required the correct spelling of our names in the State of XXXX just the correct number. However to get the VA insured loan our documentation had to be complete and correct. 

Company response: Company chooses not to provide a public response