AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Dear CFPB Committee, Happy XXXX! 

Unfortunately, I wo n't be able to celebrate this year due to a number of financials burdens on my soul - including identity theft ( police report enclosed ), XXXX and of course not having enough expenses to cover my living costs.It is with extreme grief to tell you that this particular circumstance has impacted my daily life tremendously. 

I 'm a loyal Bank of America consumer since an year - the day that I first came to XXXX. Bank of America has always been my favorite bank, I 've had the best customer experience from an institution ever in my life. 
Recently, however, I have been in great sadness as per circumstances which resulted in me being self-employed and sufficient, an XXXX with no income. From XX/XX/XXXX, I have been charged with 12 x overdraft fees ( XXXX $ ) fees on amounts as low as {$4.00} while I was on 'decline any transactions ' ticked on my checking account. The fees are as a result of the merchants duplicating transactions on the next day whereas they got declined previously. The merchants were notified about my inability to pay, however, they constantly ignored my requests. I have removed my debit card from auto pay - however, as I have an outstanding balance they kept charging me. Enclosed are the fees that I 'm referring to ... 

I 'm having a tough moment in my life as I 'm on food benefits, thus I do n't have money to cover food expenses - not to mention paying {$35.00} in fees.. As proof, I have enclosed a copy of the food benefits EBT stamps I receive.. I 've called and seek aid from the service fee dispute center, however, without help.. 

XXXX. Even though, I want to remain a Bank of America customer - I 've been paying my Bank of America Secured Credit Card in full each month, as to not owe bank of America money, however I can not allow myself to further pay those fees.. I want to remain loyal as the customer service is superb. 

This being said, is there any way for those fees to have them reduced as to financially stabilize myself from the hole I 'm sinked into. 

Having those fees refunded will greatly improve my life and allow me to buy food.. Please feel free to call me and ask for any proof as to validate my claims but please understand that I 'm in a very hard economic hardship currently as a result of my identity being stolen and the other reasons stated above. 

Yours, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: An address change was submitted to my mortgage company ( XXXX XXXX XXXX ) approximately 8 years ago. Someone had tried to compromise my wife 's credit. She caught it, and it was recently resolved This address is now showing on my credit report. The credit reporting companies have refused to remove it because they said it was reported to them, and suggested I file an identify theft report ( no one has stolen my identity ). I now have a credit reporting company monitoring my identify. XXXX states this address is no longer in their system ( they removed it ). Please have the credit reporting companies REMOVE this address from my reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: Making XXXX XXXX payments of XXXX to BOFA XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. My old regular payment was {$1100.00}. The old payment was still in my XXXX bill pay and went out my mistake on XXXX XXXX, 2015 and XXXX XXXX, 2015. Not wanting to mess up the trial payment I sent the full payment of {$1500.00} on XXXX XXXX, 2015. I need to receive credit or refund for these XXXX payments before XXXX XXXX, 2015 so I can make the full trial payment of {$1500.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from ACA on Monday XX/XX/XXXX XXXX, it 's a recorded message telling you this is in regards to a sensitive matter, please press XXXX. 
I pressed XXXX and got someone on the phone when I advised them that I was pressing the number XXXX he put me on hold and came back and advised they must have missed dialed and hung up. 
Then : I received a call from XXXX ACA on Friday XX/XX/XXXX XXXX. 
He proceeded to tell me that he was representing his customer and that he has legal rights to advise me that I owe a debt XXXX for {$850.00}. He claims I opened this account XX/XX/XXXX 
I did not open this account and told him so but he kept on talking, so I asked him to send me any documents via mail and he refused. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I received a call from XXXX on Monday XXXX/XXXX/15 at XXXX, it 's a recorded message telling you this is in regards to a sensitive matter, please press XXXX. 
I pressed XXXX and got someone on the phone when I advised them that I was pressing the number XXXX he put me on hold and came back and advised they must have missed dialed and hung up. 
Then : I received a call from XXXX XXXX of XXXX on Friday XXXX/XXXX/15 at XXXX. 
He proceeded to tell me that he was representing his customer and that he has legal rights to advise me that I owe a debt to Sears for {$850.00}. He claims I opened this account in 2005. 
I did not open this account and told him so but he kept on talking, so I asked him to send me any documents via mail and he refused. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, USA Discounters/USA Living filed a lawsuit in the state of Virginia for an account I opened on XX/XX/XXXX while serving as an XXXX Service-member. They charged me 18 % to 19.05 % interest rate and {$5.00} XXXX Specialist service fee. In XX/XX/XXXX, I was medically discharged from the service and could not make my payments on time or at all due to lack of or fixed XXXX income. In XX/XX/XXXX, I could not keep up with payments, and finally had to stop payments to USA Discounters in order to live. I offered USA Discounters to retrieve its merchandise several times prior to the lawsuit and was told they can not retrieve the merchandise. On XX/XX/XXXX, USA Discounters filed a lawsuit and was granted a judgment in the state of Virginia ( in which I could not attend court due to lack of funds to travel the distance ) instead of my home of residence which is out of the state of Virginia. I have not been employed since XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I believe that Citi is inappropriately not allowing people to sign up for automatic payments, in order to capture more late fees. I have called multiple times to Citi and have asked if they can switch that option on as every time I try to do this online, it wo n't allow me to. I 'm repeatedly told they are not able to do help me and I have asked to talk with a supervisor multiple times and not been transferred to anyone that can help me - either by switching this option on or by helping me through the technical issues when I 'm try to do online. I have tried from different internet browsers as well ( e.g. XXXX and XXXX ), and still does not work. 

Company response: Company chooses not to provide a public response
Consumer complaint: A short sale was initiated with Wells Fargo the beginning of 2015, over the course of this year Wells Fargo has continued to delay the process, requesting the same documents over and over and over again, these documents have been submitted via their fax line and emailed to womomever the current file owner is at the time. The documents are confirmed to have been received however a week or two passes and they ask for the same documents over again. This file has been escilated to the executive offices at Wells Fargo and they then reassign the file and the process of submitting the same documents over and over begins again. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is very simple, but seems to be complex. I had a mortgage with Wells Fargo for 11 years, and never missed a payment. I refinanced XX/XX/XXXX, and have had this mortgage with Wells Fargo for over a year, and never missed a payment. So far, so good, right? I can not get XXXX or XXXX to reflect that the XXXX Mortgage was for 11 years ... .they show the dates, but on XXXX , neither XXXX or XXXX show 11 years credit, and that is what I need on my report ... .longevity is important to show my good history. 
Wells Fargo show the years XXXX-XXXX, but the XXXX are not showing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I WAS ALL READY SUED IN XXXX COUNTY COURT XXXXINXX/XX/XXXX CAUSE NUMBER XXXXBY XXXX XXXX XXXX XXXX , XXXX XXXX PLUS INTEREST OF XXXX WE MY SSA XXXX PAYEE MADE A PAYMENT OF XXXXCHECK NUMBER XXXX XXXX ACCT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXTHERE FILE NUMBER WITHOUT A CAUSE NUMBER XXXXCASE NUMBER XXXXXX/XX/2015BALANCE DUE XXXXPRINCIPAL XXXX INTEREST XXXX COURT COSTS XXXX I CAN NOT BE SUED FOR THE SAME CREDIT CARD AND OR FOR AND OTHER REASONLESS = DOUBLE JEOPARDY 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested the report from XXXX last spring and though it docked me so it says i received it, it would not download. I recently requested my free annual report from all XXXX agencies and could not download them. Then I sent in a request following the instructions carefully over 6 weeks ago and still have not received them. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Godson, XXXX on XX/XX/XXXX due too mortgage loan servicing abuse by XXXX XXXX and foreclosure abuse by Citibank. He was never served, the process server lied about service, and we have proof. He was only XXXX years old and XXXX in the house he built from his own savings. After his death, his father, an XXXX XXXX Veteran presented XXXX XXXX with his son 's death certificate, and asked XXXX XXXX if he could take over the mortgage because he wanted to keep the house in remembrance of his son. He also wanted to donate the house to a non-profit that house homeless Veterans with families. XXXX XXXX told the Father if he got probate then they would discuss the loan. The father a XXXX citizen Veteran paid {$2500.00} to a probate attorney and received probate, and when the father called the XXXX XXXX, they would not take the call, would not return the call and later the father found out that XXXX XXXX had went into court and had XXXX appearances in front of the court ( without serving the father ) asking to complete the foreclosure. We found a lawyer that told us she went to court and had the foreclosure reverse and that the bank must speak to the father. The problem with this we never found evidence of this hearing, and secondly XXXX XXXX hired another law firm to go back to court to get foreclosure again. Later we found out that the mortgage is really from Citibank. XXXX XXXX in XX/XX/XXXX, the father has had probate since XX/XX/XXXX but has not been able to speak to no one at either bank. Can you help? I read about the consent judgement and this case is a good candidate for settlement to at least XXXX 's Father. Thank you, XXXX at XXXXXXXXXXXX please in subject line put XXXX. We could n't find the loan/mortgage number because it was blacken out with black marker in the legal files. We are guessing its a FHA mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested the report from Transunion last spring and though it docked me so it says i received it, it would not download. I recently requested my free annual report from all XXXX agencies and could not download them. Then I sent in a request following the instructions carefully over 6 weeks ago and still have not received them. 

Company response: Company chooses not to provide a public response
Consumer complaint: Fraud occurred on my credit card and I was alerted by Wells Fargo and issued a new card. However when I got the new card they put the fraudulent transaction back on the new card. I have called and called to ask them to take the charges off but it never happens. This happened in XXXX and I still can not get it fixed. 

Company response: Company chooses not to provide a public response
Consumer complaint: this company Hunter Warfield XXXX has been harassing my family looking for someone who owes them money when we have told them to please stop calling this number and they cont. they are very rude and threaten us with law suits jail etc ... Please make them stop 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I was contacted by letter from Contract Callers, a debt collection agency, regarding a balance I owed to XXXX gas. The balance due was {$400.00} The letter was a settlement offer. They offered me to pay {$200.00} and my debt would be considered settled in full. I spoke to XXXX XXXX and was assured if I paid the {$200.00}, I would owe nothing else on this bill. A month after paying I received a collection letter from another agency for the remaining {$200.00}. XXXX XXXX told me my account was still open for the {$200.00} balance. I called Contract Callers and was told that my debt was only settled with them, not with XXXX XXXX - that all that happened by me paying the {$200.00} was that I was no longer in collection. My account had not been settled with XXXX XXXX and I still owed that money. They would not send me a copy of the letter I received stating that my account would be settled in full so I could have proof of the exact wording that was used. And I was told that it should have been explained better to me and that the woman I spoke to when I paid should not have told me my I would owe nothing else on this bill. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a flexible medical spending account through my employer XXXX. I tried to use it to pay a dental bill and learned that the account had been hacked and {$3200.00} was taken out from someone in XXXX When I contacted Bank of America they said there was nothing they could do. Their explanation to me was that it was over 90 days and because I did n't report it as soon as it happened the time frame for filing a complaint had expired. They stated they tried to contact me.i did not receive anything in the mail, nor did I receive a phone call. I have called twice to try to resolve this with Bank of America and they hung up on me. My name is XXXX XXXX XXXX. I can be reached at XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I WENT TO ORDER MY CREDIT REPORT ON LINE AND IT DENIED ME. 

Company response: Company chooses not to provide a public response
Consumer complaint: They were sending my information to the wrong address, by the time I received the information, it was almost past the 30 day cut off and it was a weekend. I called them the first thing Monday and gave them my information and was told that I notified them in time. I sent her ( XXXX ) the personal and financial information that she requested and she used it against me. Two weeks later they started garnishing my wages for {$500.00} plus a month. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. XXXX Experian 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed chapter XXXX bankruptcy in XXXX 2012. I included in my bankruptcy a bill from a company named XXXX. The bill was for residential garbage collection from my house that was vacant and being foreclosed. 
XXXX has given the bill to a collection company named Puget Sound Collections and they are currently trying to collect the amount past due. 
I 've contacted Puget Sound Collections several times and let them know this bill was part of a chapter XXXX bankruptcy filing. I 've even sent a copy of the list of creditors from my bankruptcy to Puget Sound Collections. It clearly states that this bill was part of my bankruptcy. 
They refuse to remove this from my credit report. It 's causing severe damage to my credit score and am in need of assistance getting Puget Sound Collections to remove this from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX keeps calling about a private student loan that was not signed by me. I have the documents that shows no signature. This loan is a school loan through XXXX. I did not take out private loans for this school. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. XXXX TransunionXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Look. I am trying to get a credit card? All I am trying to do is pay my bills. Have legit job. BUT all these credit company. All I asking for a credit card. To open a business an started. I been discriminated on because company 's like XXXX XXXX. Other credit card company 's 

Company response: Company chooses not to provide a public response
Consumer complaint: a company called citgroup credit services, a third party to citi is responding weirdly ... 

i have requested of them since 2009 a copy of their agreement between themselves citigroup credit services and their trustee XXXX and the owner of the debt as per their agreement that they would accept XXXX as noted in their letterthey have never provided such an agreement 

Company response: Company chooses not to provide a public response
Consumer complaint: Enhanced Recovery Company is once again reporting on my credit profile for a debt that I do not believe to be my debt. If this debt were mine once again I need to be served with a dunning notice before a debt appears on my credit profile. I have not received a dunning notice nor have I received any verifiable proof of this debt linking this debt to me. It seems as if this company simply creates their own rules and do not follow federal or state guidelines. By law I can not have accounts on my credit profile that do not belong to me nor should I have debts on my credit profile that can not be verified. If this continues to happen I will be forced to take this process a step further in regards to the law and seek legal counsel about this company ruining my credit. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: In the last few months I have sent to TransUnion the documentation they requested to provide me a copy of my credit report. In each instance TransUnion mails a notice back that the documentation provided was not a qualifying document, or did not meet their requirements in some other way. 

TransUnion also will not allow me to access my credit report on their website, and will no longer supply my credit information to XXXX. TransUnion does not allow me to dispute errors on my credit report online with my online login XXXXXXXXXXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: there is a collection account on my credit report from XX/XX/XXXX it was open from the XXXX account nubmber # XXXX there have not been no activity on this account and 30 years into i dispute it in XX/XX/XXXX the account is to old to stay on report you can call me at XXXX i can talk to you more. 

Company response: Company chooses not to provide a public response
Consumer complaint: I initially file the dispute 6 months ago when I initially file the dispute I provided supporting documentation I provided things like a XXXX tracking number showing when the package was returned back to the merchant showing the proper weight, ect. About two months later the temporary credit that was issued was reversed the bank asking for proof that I return the merchandise keeping in mind two months earlier I already gave them all of this information clearly they did n't look through it when I brought that to their attention they reissued the credit and started the dispute process all over again then I received a letter telling me that they are still working with the merchant attempting to get a permanent credit then a few weeks after that once again I get another letter where I 'm told that I 'm being charged again but temporary credit is being reversed and it goes on to say that I filed a false dispute I am absolutely clueless what you 're talking about in the information you sent me with this letter all it is is my order confirmation I 'm not disputing the fact that I placed an order with the company I 'm disputing the fact that I return the defective product well within their 30 day return policy its not like XXXX is just making this information up they weigh the package multiple times throughout the transit back to the company we can see where it was delivered By the way I used the companies shipping label that they asked me to use so again it 's not like everyone does not already have the return shipping info. 

Company response: Company chooses not to provide a public response
Consumer complaint: account is in bk and they reported everything negative on my cbr i have contacted them a few times trying to get this matter taken care of and have dealt with the rude collections folks who still try and collect on this XXXX balance paid off account 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Three years ago we refinanced our home with XXXX XXXX to get a lower interest rate. During the first year of this refinance we received a notice stating that we needed to start sending our payments to LoanCare, XXXX. We did this for nearly two years, during the last 6 months or so we got behind on our payments and was offered a Loss Mitigation by LoanCare. This Loss Mitigation was approved for a four month trial period. We made our reduced payments every month during this trial. In XXXX Loan Care sent us a notice that we no longer qualified for the loss mitigation and that we owed the full amount in mortgage payments. They did not give us credit for the payments that we made during this four month trial period. We have been unable to get anyone from LoanCare to give us a reason why this money has not been applied to our account. We feel that an investigation should be filed in order to find out if this is a common practice for this company and put a stop to this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a bank account with Citi bank under a promotion which promised me XXXX thank you points when I open a new Citigold bank account. The promotion indicated that I need to be a new account holder and since I had recently closed a bank account ( XX/XX/XXXX ) I talked to the agent to enquire whether I qualify for this promotion or not. At that time the agent told me that I qualify and I will get the points within 60-90 days from opening the account. So I went ahead and opened the account. After using the account for a month I verified with the bank if I have met all requirements of the promotion and when I will receive the points. The bank responded via email that I have met all requirements and will receive the points no later than by XX/XX/XXXX statement. Now after XX/XX/XXXX passed and I did not receive the points, I inquired again, and this time they tell me that I do not qualify since I used to be a customer at a earlier point in time before I opened this bank account. This is a very unfair and deceptive, I inquired with them multiple times and every time they said I will receive the points, and in the end after keeping the account open in good health for 3.5 months they tell me that I no longer qualify for any points. 

Company response: Company chooses not to provide a public response