AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have requested online my credit reports from the XXXX bureaus for myself and my wife on XXXX XXXX on XXXX. I received a message for Experian XXXX that they could not provide my credit report due to technical difficulties. For my wife, I received a similar message from Experian. I went back three days later to pull the missing reports again and was told that I was not eligible to receive the reports since I already requested them. I then wrote to XXXX, who then sent me a letter stating that they could not help me and I had to take up the issue individually with each bureau. They only provided mailing addresses, no phone number, or email. The credit bureaus ' websites also did not provide any contact information besides mailing addresses. It is very costly for consumers to have to deal separately with each credit bureau in order to get the reports that they are due by law. 
In addition, I have been trying to verify the credit freeze status of our reports and this has proven impossible. We have had freezes put on our reports in the past for security purposes, but these have been lifted temporarily when we were getting a mortgage and I wanted to verify that they are in place. As far as I can tell, the only way to be sure that our reports are frozen is to pay to refreeze them and that just seems plain wrong. 
On a more general note, it is disturbing that there are these credit bureaus out there that amass information about me, whose information provision has a substantial impact on my financial life, yet who make it tremendously difficult for me to actually contact them or communicate with them. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have had a pending issue with First Hawaiian Bank, regarding a scam that took place. In the previous complaint i filed it goes into more detail. I was given a fraudulent check in which i deposited {$2600.00} into the bank. The next day, even though the check had n't been cleared, i was allowed to withdraw half of the money. First Hawaiian Banks policies state that until the check has cleared, only {$200.00} would become available to me next day. Yet, I was able to withdraw more than stated amount. This is an excerpt from First Hawaiian Banks website on their policies for depositing checks. 

Q : What does it mean if I receive a hold on my account after I have made a deposit? 
A hold means that although we 've received your check for deposit, you wo n't be able to use the funds until the hold period has expired. Depending on the type of check that you deposit, funds may not be available until the third business day after the day of your deposit. However, the first {$200.00} of your check deposits will be available on the first business day after the date of your deposit. If the deposited item is returned unpaid before the hold expires, those funds will not be made available to you. If the deposited item is returned after the hold expired, we charge your account for the amount of the item. Holds are placed to help protect both you and us from losses that could occur when a deposited item is returned unpaid. Situations that typically cause a check to be held include : -There is reason to believe the funds may be uncollectible-The source of the check ( e.g., foreign checks ) -The account is a new account ( new account rules apply for the first 30 days the account is open ) -The account has repeated overdrafts in the last 6 months-You deposit checks totaling more than {$5000.00} on any one day-Fraud is suspected-The check was previously deposited, then returned unpaid-The check was not properly endorsedAs a XXXX year old, making her way through the tough economy that is XXXX, I never had much money in my bank account, and if First Hawaiian Bank checks their records they 'll find that previous to this transaction my account had been over drafted several times before. At the time I deposited that fraudulent check, i only had about {$3.00}. I will not pay for the negligence of First Hawaiian Bank, I should have been protected under these policies that are stated so clearly on their website for everyone to see. A hold should have been put on my account. Never had I deposited a check that big before into my account, that should have been a red flag in itself. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sears/Citibank is reporting a balance on a paid account ; I have disputed this account both with the XXXX major credit reporting agencies ( XXXX, XXXX, XXXX ) and directly with Sears/Citibank and the account is still reporting incorrectly ; I 've attached credit reports showing that the account is reporting correctly with a XXXX balance on XXXX of the XXXX credit reporting agencies but with a balance of {$6500.00} on the third ; the first credit report shows the balance reporting on XXXX, but after disputing directly with Sears, the XXXX credit report shows that the balance of {$6500.00} is now reporting on XXXX and not XXXX, a clear indication that Sears 's internal records are absolutely messed up ; this account should be reporting a balance of {$0.00} on all XXXX credit reporting agencies. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have XXXX issues with Ally financial. First, I turned a a XXXX vehicle XX/XX/2015 and they finally sold the vehicle XX/XX/2015. They are now looking to me for a shortfall that they helped create by letting the car sit in their possession without any activity. I am told be several XXXX salesmen that the company makes a practice of this - letting cars sit, allowing for further depreciation and creating a larger shortfall than necessary - then they go after the lessees for the self-created shortfall. Additionally, Ally is calling my cellphone XXXX times a day without leaving a message. I think that is harassment. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I purchased a home in XXXX XXXX, XXXX ; and at that time I had a score of XXXX ; since closing on my home I have had multiple request for my report pulled without my permission. I notified the credit agencies to put a hold on my accounts and to delete all the inquiries on my file. XXXX ; put a freeze on my file and an alert and said they would notified the other XXXX companies to do the same. However, neither of the agencies are taking the effort to remove all the unauthorized inquiries on my credit file. The only response I get is that they will remain on there for 2 years. 
From the time of the close on my home to XXXX XXXX to XXXX XXXX I had a total of XXXX inquiries on my credit file ; that is unheard of and my credit score dropped to now XXXX i am now seeking you help with getting these agencies to remove all inquires from my file from the time of XXXX XXXX, XXXX to XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Credit card company transferred a charge from a previously closed account to a new account without our authorization. ( The supplier had been authorized on the previous account. ) 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Please cross reference this complaint with a previous filed complaint # XXXX against XXXX XXXX XXXX. Bank of America , N.A . ( " BANA '' ) was the previous alleged servicer/debt collector for the loan. On XXXX XXXX, XXXX, I sent a letter to BANA ( attached with complaint ) requesting information on a Beneficiary Declaration. I asked if a Beneficiary Declaration was sent to the foreclosure trustee company, XXXX XXXX XXXX and if one was sent, to please send me a copy of it. I received a response ( attached with complaint ) from BANA, dated XXXX XXXX, XXXX. The response did not answer my question, and instead it totally ignored my request and directed me to ask any questions to XXXX. I sent follow-up letters ( attached with complaint ) to BANA on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, requesting the same information in both. I have yet to receive any acknowledgement or response from XXXX at the time of filing this complaint on XXXX XXXX, XXXX. I request that the CFPB compel BANA to answer my request and provide the information requested. BANA has my permission to communicate with the CFPB on this matter. 
The subject property is XXXX XXXX XXXX, XXXX WA XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: There are a lot of inquiries on my credit that are n't from me and they refuse to remove them 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2016, I received an email from by banking institution which is BB & T bank. It stated that I over drafted my checking account. I thought this could not be possible as I had {$1600.00} in my account and my federal tax refund coming in at the same time which was over {$3000.00}. Upon calling BB & T, they stated that yes in fact I did have {$1600.00} in my account in the XXXX of XXXX/XXXX/16 however, their system pulls all debits first and then posts the credits to the account. Even in the debits and credits hit the same day, the debits are always pulled first. Therefore because I had all of my bill pay items hit on XX/XX/XXXX, my account showed a negative first because the tax refund hit my account after all the debits are posted even if it was the same day. I am so frustrated with BB & T. This is just a way for them to make {$36.00} from someone who has way more funds in their account than what they are spending. I feel like the need a 24 hour hotline just so you can call and make sure your purchases the night before wo n't exceed your direct deposit in the morning. I never thought I would get an overdraft fee at the same time when I have {$4800.00} sitting in my checking account. In some way this has to be fraud. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I applied for assistance in saving my home from foreclosure. I hired an attorney who submitted my full complete financial information package to my lender Wells Fargo Home Mortgage on XXXX XXXX, XXXX. Wells Fargo refused to review me for assistance and since that date has refused to accept my application. Now they have filed a Notice of Default and I am in the process of being foreclosed. They have put my account with their re-entry team who said that there is no change in my circumstance and they will not officially review my application. I am told by my attorney that RESPA Regulation X requires my lender to review my full and complete financial application as long as it is received more than 37 days prior to a sale date. It was full and complete and no foreclosure was started at that date. My attorney asked Wells Fargo Home Mortgage for a denial letter stemming from my application submitted on XXXX XXXX, XXXX and they said there is no denial letter because there was no review. Today my attorney called Wells Fargo Home Mortgage and asked them what was the date of the last review done on my mortgage for assistance and they replied XXXX XXXX, XXXX. This is completely unfair and I believe illegal for Wells Fargo Home Mortgage to evade reviewing me for assistance. I was denied XX/XX/XXXX due to missing paperwork. ( See attached letter from last review ) My attorney worked very hard in XXXX XXXX to clear up all of that missing paperwork and Wells Fargo still simply refuses to actually review my case and issue me a finding like they did on XXXX XXXX, XXXX. My attorney states Wells Fargo is doing this because I now have some equity in my home and they simply want to foreclose me without giving me the chance to save my home. Wells Fargo Home Mortgage thinks they are above the law by creating the re-entry team who 's sole job is to evade reviewing home owners for assistance in saving their home. The re-entry team does not issue the 5 day letter confirming they have the financial application, they do not review it in the 30 days required by RESPA Reg X and they do not issue a decision. They simply verbally tell you they wo n't review the file. My attorney finally got Wells Fargo Home Mortgage to issue a letter stating this on XXXX XXXX, XXXX ( Attached ). However, other than that letter I have never recieved any correspondence from Wells Fargo Home Mortgage regaring my application which was submitted on XXXX/XXXX/XXXX and confirmed received by Wells Fargo Home Mortgage on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX my attorney spoke with Wells Fargo Home Mortgage and they verbally told them that they are refusing to review the application and no letters or findings will be issued in writing. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: TransUnion has failed to cease reporting the inaccurate information on my report noted below. I have filed numerous disputes, notified the creditors, hired a credit agency to assist me to no avail. 
1. XXXX Bank XXXX is being reported by TransUnion as charged off, this is not my debt. 
2. XXXX XXXX XXXX is being reported by TransUnion as charged off, Potentially Negative. this is not my debt. and another account 3. XXXX XXXX XXXX account is reporting late payments in XXXX, this is not correct. the account has since been sold. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I paid off our personal line of credit with B 0f A in XX/XX/XXXX, and were told that a formal release, giving us clear title to our property would be issued in 30-90 days. The pay-off date was XX/XX/2015. Today I called regarding the document and was first told that I had to contact my County for that document. When I said I had already queried them, I was then told the paperwork had not bee processed until XX/XX/2015 and it would be another 30-90 days until B 0f A sent the paperwork to my County. When I pointed out that it had already been 30 days since their processing, I was told it could be up to another 90 days before we received the release and clear title to our property. This is not acceptable business practice, I know that B 0f A would not wait 120 days for any documents or money that was due to them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was denied credit. I contacted Experian to get a copy of my credit report. They would not let me access my credit report. I filed a complaint and they said they would mail my credit reporting to me. That was over a month ago. To date, I have still not received my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a letter in the mail from Suntrust about suspicious activity on debit card. When i called in, I did find fraud ; closed debit card and have a case no. My first issue is this is the third time this has happened, only with Suntrust ( once on business account, twice personal ). I think they may have a security breach issue. I am angry because they would NOT credit my account for the amount of the fraud until after investigation. This is happening 2 days before XX/XX/XXXX, plus they knew it was fraud, they detected it. XXXX fraudulent charge for {$240.00} and XXXX for {$25.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I started a home mortgage through Homebridge Financial Services XXXX XXXX XXXX XXXX GA XXXX. They are extremely difficult to make payments through their automated phone payment system unless I set up an automatic draft which I don not prefer. I prefer one time ACH drafts as I need to control the date of payment each month as I need to insure funds are available. 
Their system makes it so difficult I had to wait through extremely long and irrelevent bot messages just to get to the phone payment. Then each and every month it looks like I need to re enter my checking account info as their system will not save the info. Other mortgage agenceis can and will do that service. But that 's not the worst of the experience yet. They also require you to enter the payment amount in dollars and cents from your phone keypad even though they now what you need to pay. I had so much trouble with this ( on my second time ever doing it ) that I ended up entering a payment of only {$12.00} when I really owed around {$1100.00} I didnt even get to figure out how Im supposed to do the decimal point on my phone keypad by the time I realized I started a whole other issue now with an XXXX payment. So then I hung up had to do it all over again and waited 20 mins before I could talk to a rep whose best case scenario was to delete my {$12.00} payment and was told I had to wait till tomorrow as the system will only allow XXXX pending transaction at a time. This is a terrible system I feel is designed to create difficulty in order to ensnare the consumer in fees and interest traps. Their phone number is XXXX try it you 'll see its not right. I would also like to add that I started this loan with Homebridge ( and I wont even get into that ) but after my first payment they switched me to XXXX ( who in comparison was exemplary ) They saved my info after the first time and I would call and be done with the process in 5 or so minutes doing one time ACH drafts from my checking account ( also due to less irrelevant bot messages ). Then for some reason I dont know they switched us back from XXXX to Homebridge just a couple months ago. Thanks for taking the time to read my experience with Homebridge Financial Services and I hope it helps them make changes to their system. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Esperian Credit Reporting has continually reported false and negative information pertaining to a loan at XXXX XXXX XXXX XXXX California. They show wording s foreclosure started. XXXX XXXX XXXX which realized this was to be removed has put that in writing to CPB and Esperian to remove this from my record. This was a bad loan from the beginning as stated by The California Department Of Justice. The real issue is the failure to perform by Esperian. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a Citigold checking account with Citibank on XX/XX/2015. The account came with an opening promo : XXXX American miles to be awarded within 90 days after I completed the requirements for the promotion. The promo code was XXXX. I completed the requirements for the promo on XXXX, which was confirmed in writing by XXXX separate Citi customer service reps. Well over 90 days has passed, and I have not received my promotion award. I called Citi and simply got shuttled around within their help system 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America has an old debt of mine that they charged off. They will not allow me to settle this debt at this point because they wrote it off as a loss but they are continually, on a monthly basis, reporting this debt to the credit bureaus as a " late payment '' every single month. Their lack of regard for consumer credit reporting laws is stopping me from cleaning up the wreckage of my past and even more worrisome is making it impossible to get a home loan. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had a Barclays credit card for which I filed XXXX disputes under the Fair Credit Billing Act. Those disputes were ( date of charge, company, and amount ) : XXXX/XXXX/14 XXXX XXXX {$100.00} XXXX/XXXX/14 XXXX XXXX XXXX {$810.00} XXXX/XXXX/14 XXXX {$6500.00} I sent these disputes to Barclays by certified mail to the proper address and within the time limit required by the FCBA. Barclays failed to investigate these disputes and failed to reverse the charges. Because I refused to pay for these illegitimate charges, my account was charged off and reported to the credit agencies. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX DC offers tax refunds on Citi Bank Prepaid card. The tax refund was for XXXX. Citi only permitted me to withdraw XXXX. Merchants have refused the XXXX and Citi refuses to close the account. Next month Citi will start charging me maintenance fees. Its is obvious that Citi only permits whole dollar transactions so that cards are left with unusable balances and then they are happy to charge maintenance fees. You should audit all of Citi tax refund accounts to see how many cases Citi has benefited from this behavior. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello I paid resumes by XXXX and XXXX XXXX ( Company XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX XXXX County ( XXXX ) XXXX ) owner XXXX XXXX. Who claims she does Credit Restoration {$250.00}. But come to find out she do n't do credit restoration. She is just sending off a bunch of dispute letters only. Through a program she has brought online. She does n't take the time to research the facts before disputing. So, she disputed to account that was not right to dispute. In which I will upload into the system with my credit report and complaint to the Texas Attorney General 's Office on XXXX XXXX. I need both of these disputes removed off my credit report please. XXXX of the disputes has a company name, address, zip code, and phone number. The other company has only a P.O. Box address. I would like Experian, XXXX, and XXXX to remove the disputes off my credit report. Because XXXX XXXX did n't and should n't have sent dispute letters to these companies because I had already resolved these XXXX bills and as you can see from my credit report. Then the Credit Reporting Agencies needs to correct the information to Paid as Agreed on my credit report. Both accounts has a XXXX balance on them because I paid them off. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am filing a complaint because I was made aware that i had a fraudulent account with XXXX showing on my chex systems file in the amount of {$340.00}. I filed a police report and have attempted to call chex systems to speak to a live person in trying to get this matter resolved and the automated system is not allowing me to reach someone. I need this fraudulent account to be removed from my chex systems file immediately. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had an account with Citibank that was paid off in full and closed a year ago. Recently I started getting statements for an annual fee. I called and explained again that the account was closed and was told they would fix their records and not bother me again. Today I got a statement in the mail for an annnual fee, a late fee and an interest charge. When I tried calling Citibank they refused to talk to me because I did not know some kind of password ; no reason I would know it since the account has been closed for a year. This is disgraceful conduct and needs to be penalized. I am attaching a copy of my XXXX 2015 statement showing a zero balance, and a copy of the statement that arrived in the mail today. I would assume the {$95.00} " previous balance '' on the statement I received today refers to the annual fee which they told me in a previous phone call would be eliminated, of course, as the account was closed. Now they bill me again and refuse even to talk to me. 

Company response: Company chooses not to provide a public response