AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Several years ago, I opened an eBanking account with Bank of America. I was told that the account did not have a monthly fee if I conducted all of my transactions on-line or by ATM. I noticed a $ 12 monthly charge on my last bank statement and I called the Bank to inquire about the charge. Bank of America told me that my account was changed because it got rid of the eBanking account. I did not receive any notice of this change or the charges. I think it is unfair that the Bank can change the type of account without providing notice of the change ; potential charges ; and time for the consumer to either switch banks or bring the account in compliance with the new account requirements. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a XXXX helping a borrower of Wells Fargo ( WF ) who is behind on her payments. A request for modification assistance has been submitted to WF on their proscribed forms. I have attempted on several occasions to contact the single point of contact ( XXXX ) designated by WF and each time have had to leave a voicemail message without any response. Yesterday, I was told that I needed to schedule a specific time for a call back by the XXXX, which I did ( XXXX my time ) and still no call. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo is refusing to respond to theft and remove a hold on accounts. {$100000.00} plus is missing from the account through wire transfers, forged checks, on-line bill pay, credit card and XXXX XXXX XXXX cashed at Wells Fargo XXXX location. Also, checks from Credit cards and other banks were cashed through Wells Fargo XXXX location. 

Company response: Company chooses not to provide a public response
Consumer complaint: I keep requesting that Citibank remove my co-signer as I have met all requirements and do not want to pay off student loans until they are in my name alone to get the full benefit on my FICO score and credit history. In addition I have been paying these loans for more than seven years straight and on time. There is NO form for me to fill out to request my co-signer be removed anywhere on Citibank or it 's affiliated sites and they keep changing the terms of my loan contract. This is outright fraud and I will seek legal action against Citibank as a result. They have failed to validate the loans as is my right and will not show where they were disbursed and demanded I prove who I was when I logged in and found another person was applying for a student loan with my social security number in 2006! I was not allowed to cancel the process under threat of a lawsuit by Citibank and am ready to sue. I ca n't find out if the loans I 'm paying for are even MY loans! This is fraud! I will be filing a complaint EVERY 30 DAYS until this is resolved and will find a lawyer to SUE this company run by crooks! I will be filing complaints against XXXX, XXXX XXXX XXXX XXXX, and Citibank for this EVERY month until something is done. Even after I file a lawsuit I will continue to complain since what they are doing is out of blatant disregard of a contract that resembles nothing at all of what I had signed. I am sick of being cursed at by representatives on the phone, lied to, denied my XXXX from XXXX and more. These group of criminals have been already found guilty of fraud concerning what I have stated above and yet they are allowed to continue to break the law and the contract. I make more money at a stable job and meet the first agreed upon requirements for several years now. The fact that they do NOT have a co-signer release form anywhere on their sites or affiliate web sites further proves they never had any intent of releasing any co-signer. This is n't just misleading a student it 's outright fraud on a contract. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX Years ago XXXX XXXX bought a house. BOA 's lawyer made an error and added me somehow. They gave me 50 % ownership without my knowledge. When they discovered it and SUED ME this summer, I signed off within XXXX hours. My signature appears NO WHERE on their documents. Today I received notice they have hired the law firm of XXXX XXXX to sue me for the balance owed on a HOME I NEVER BOUGHT! XXXX XXXX convinced your offices they had fixed this mess but he did NOT. The home was discharged in a bankruptcy XXXX years ago. 

Company response: Company chooses not to provide a public response
Consumer complaint: Went to XXXX for my free credit report. Clicked on Transunion report ; got an error message saying I already received one this year. That is not true. I had my credit report file right in front of me to make sure I pulled the correct one. The most recent Transunion was pulled in 2012 by my attorney 's office using their software interface. 
So I was really XXXX when the next screen from TU was a " come-on '' to sell me my free credit report so I clipped that screen to OneNote to upload with this complaint. I XXXX this issue and learned that TU has been running this bait & switch for quite awhile. Is Transunion ever going to be slapped down for this? How about a swarm of locusts, or better yet a swarm of auditors & investigators from Treasury & Justice to poke around awhile. Nothing but a license to steal, or maybe XXXX from XXXX services got a new gig? 

Company response: Company chooses not to provide a public response
Consumer complaint: . For the past 2 months I have been receiving a photocopy of my printed statement. The pages are black & white, the coupons are printed on XXXX pages XXXX front on XXXX page and back on another ) and the billing disclosures are illegible, the ink is smeared and impossible to read. I called last month and was assured that another statement for XXXX & XXXX would be sent. And instead another photo copy was printed and mailed. Fair Credit Billing Act requires my billing statement be legible and contain legal disclosures for billing disputes, etc. I can not even read the billing dispute address on my statement. I am not making a payment until I receive a regular bill that can be read and I expect any late charges for XXXX, XXXX, or until I get a bill to be removed. 

I would like to add to this complaint that I received a call from Macys at work on XXXX at XXXX from XXXX at that time i told them not to call me at work or on my cell anymore. I received a XXXX call also at work on XXXX at XXXX from XXXX again at my place of employment XXXX XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have been dealing with SunTrust Bank since we came to the US.We must admit we were getting excellant personalised service since 2013.In all we had two chek in accounts, two savings accounts & two secured credit card accounts.We had closed Saving Bank accounts since we did not find any specific benefit of having these .We have been maintaining the accounts in the best possible manner i.e maintaining desired balance, not overdrawing, paying in time & thus have been maintaining strict financial discipline from day one till date.We also have a safe deposit locker. 

Few days back we received two letters fom the bank asking us to close all the accounts without telling us the account number or the reason of this uncalled action.We talked to Consumer affairs section of the bank to inquire the reason .We were told it is a business decision. 
We feel this uncalled action of bank is illegal & will cause undue inconvenience to us, a XXXX couple.We are living very cl ; ose to the branch & this action of bank without any reason or rhyme appears to us as an infringement of our basic as well as banking rights. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is an addendum to case number XXXX which was filed yesterday, XXXX/XXXX/2015. 
We believe the Suntrust Mortgage Company has intentionally delayed our short sale process to allow our mortgage to reset. We had all paperwork in and had been approved for the short sale. Our mortgage resets XXXX XXXX, 2015, and increases from approximately {$1200.00} to {$2400.00} per month. We can not afford the {$1000.00} increase. The agent has acknowledge receiving all documents on time, and that someone in Suntrust " dropped the ball ''. They are requiring us to resubmit all documents because of their errors resulting in " Stale dated '' documents. These delaying practices seem ominously similar to the actions of XXXX which the CFPB and Federal Trade Comission which you took serious action against XX/XX/XXXX, fining them XXXX in restitution and XXXX in civil money penalt for it 's illegal action. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a XXXX year old XXXX XXXX XXXX veteran. I applied for my annual free credit report and was DENIED. I was asked questions about financial situations that occurred in XX/XX/XXXX and XX/XX/XXXX. In addition, I was asked for the last XXXX numbers of my primary checking account. I have NOT written a check in decades. I do not have any checks, and that information is blocked on my online account. I was also asked about a bank card. What is a bank card? I have XXXX credit card, XXXX XXXX, XXXX Mortgage, XXXX, and a debit card.. I CAN NOT answer questions about changes or whatever that happened over a decade ago. Experian needs to mail me a copy of my credit report immediately. I will NOT send copies of my passport or other vital id papers to this predator. My bank recently sent me a list of XXXX things that lenders look at, XXXX really jumped out at me. Thou must have more than XXXX type of credit i.e. a credit card, and a auto loan. Is this what is being held against the citizens of the United States. I only have a credit card, a mortgage and a debit card. The mortgage will be done soon. So I will only have a credit card and a debit card. This is crazy, NO debt is the goal. 

Company response: Company chooses not to provide a public response
Consumer complaint: We are victims of dual tracking while in-review. 
Submitted a completed package, in letter dated XXXX XXXX from BB & T and received XX/XX/XXXX by mail, BB & T asked for updated financials and an additional piece of information - a letter of income contribution from wife of income shown in bank statements in package to be submitted in XXXX days. On XX/XX/XXXX BB & T sent a motion to the court asking to schedule a foreclosure sale. See a copy of the court docket showing a motion sent to the judge asking to schedule a sales date. 

Company response: Company chooses not to provide a public response
Consumer complaint: My lender, Wells Fargo, continues to increase the required amount of flood insurance. Under the FDPA, the minimum required is the lesser of the loan amount, the insurable value or {$250000.00}. While I fully understand the lender has the option to require more coverage, in this case, they are causing undo hardship by continually increasing the required amount of coverage and therefore the premiums. This is causing customer harm and even though my agent has discussed this with Wells Fargo at great length in the past, they refuse to review and continue to provide the standard " we are protecting you '' answer. I understand the necessity of flood insurance but my loan balance is well below the amount of insurance I carry on the home. This is my choice as an informed consumer. It should also hold true with the amount of flood coverage I choose to obtain as long as it meets regulatory requirements. 

I know this will be future to submit a complaint as I 'm sure I will get the " lenders can determine the minimum amount ''. Yes, I work in the mortgage industry but I fell Wells Fargo is being unfair and causing undo hardship by this requirement 

Company response: Company chooses not to provide a public response
Consumer complaint: Repeated calls for debts incurred by a person named XXXX XXXX who has not resided or had my phone number for over a decade. 

The most recent XXXX XXXX agency that calls sometimes as early as XXXX looking for the above person. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was pre-approved for a house loan by Bank Of America XXXX BOA XXXX. I found a house that was for the amount of the loan. Did everything, supplied everything that the bank asked for. Even financed my car, with the intention of financing it with BOA. Had the house inspected, paid for a credit report, had insurance put on the house, all of this at the request of BOA. Getting everything set to close on this house, and at 2 weeks before closing, BOA denied the loan. Why pre-approve a loan and put me through all of this and then deny the loan? Bank of America is the absolute worst financial institution to apply for a loan. They give false hope, they discriminate against women, and they have no intention of granting an approval if you are n't making mega amounts of money. I am very disgusted with this Banking Institution and would advise anyone who is seeking a house loan to seek it elsewhere. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was transferred from XXXX to Green Tree servicing in XXXX 2015. I was current with payments to XXXX when it transferred. I have made XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX payments in FULL and On time to Greentree. Unfortunately in XXXX 2015 BEFORE my account went to Greentree, An additional payment was erroneously posted to my account AFTER I paid my regular payment to XXXX. XXXX realized this in XXXX 2015, and requested Greentree to take the erroneous payment out of of my account. Greentree took it out of my monthly payment amount that I had already paid on time and in full instead of taking it out of the Balance of my account. Now, greentree says I own additional money to cover what was taken out!!! I was current with XXXX and am current in my payments to Greetree, but they have charged me late payment fees, etc and no one will correct this error!! This was not my error ... Also just found out that they paid my property taxes late and I got a {$110.00} fee on my tax bill that they are in charge of paying! Help ... I ca n't get any help from Greetree and now that it is changing to XXXX, I am afraid that this will go on forever XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a call today from XXXX. The gentlemen I spoketo stated they wanted to do a settlement over the phone I said no I need it in writing. He took this as a refusal and stated that they will be filing a suit and the IRS will XXXX me. I also told him the attempt to collect a debt is past the statute of limitations he did not seem to care and continued to harass me about the settlement of the debt. I was then told that something on paper could be mailed to me once the settlement had been approved and agreed to. I was also told nothing else could be mailed out because letters were already sent to my address. Which were not.. After getting off the phone I received XXXX more calls and a voicemail from the same company mind you I had returned the first phone call. As I called a second time to let them know this was already discussed a women told me I blantently lied stating she shows I talked to someone on XXXX XXXX and its not possible I talked to someone today as that person was out because of the birth of a child. Of course I was angry. Upon looking these folks up I have come to the decision practices like this need to be stopped and the FDCPA enforced. I will take further action against said company as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: Collection attempt is being made for a medical bill from a provider that I have not seen since 2009. I contacted the medical provider and confirmed that I had no outstanding bills. I have request contact from the collection company through faxes and USPS and have not heard from them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Problem-Garnishment of Funds by Blatt, Hasemiller, LeibskerXXXX & Moore LLC for a XXXX account that had been settled. 

The law firm of Blatt, Hasemiller, Leibsker & Moore LLC. BHLM garnished my income tax returns for an account that had been previously settled. I had already submitted the paperwork to them a few years back. After coming across that old documentation again, I re-submitted it to the law firm on today XX/XX/XXXX. On XX/XX/XXXX I received a letter in the mail stating that the firm did an investigation and can find no evidence that this account was ever settled or paid in full. I also was sent a copy of a Request and Writ For Garnishment ( Income Tax Refund/ Credit XXXX dated XX/XX/XXXX I never received. I do have a copy of the Request and Writ For Garnishment ( Income Tax Refund/ Credit ) that I had received and do n't understand why there are now two. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Someone hacked into my XXXX account and placed a {$27.00} order for a wallet from a 3rd party seller and had it shipped to their address in XXXX ( I live in Kentucky ). I called XXXX and they said it was too late to cancel the order and that they were sorry. They told me to dispute the charge with my credit card company. I removed my credit card info which was saved in their system without my knowledge and I changed my password and deleted the new shipping address that the hacker added to my account. 

I disputed the fraudulent charge with U.S. Bank and told them I did not place the order, did not authorize the charge, and did not receive the merchandise. They made a provisional credit for {$27.00} to my account. XXXX rebuts with documentation showing the wallet order and the name and address where the wallet was shipped to along with USPS tracking information showing delivery to that address. 

I received a letter from U.S. Bank with copies of XXXX 's rebuttal. The bank tells me the charges appear to be correct as billed. They reversed the {$27.00} back to my account. XXXX failed to give the IP address of the person that placed the order. Why? 

Why am I being forced to pay for a wallet for a crook in XXXX which clearly is fruad? I do not have a California address and I have never lived in or visited XXXX. I do not have friends in XXXX. Why is U.S. Bank and XXXX not protecting me against this fraudulent activity? 

BTW, I am a Verified By XXXX member. Why did XXXX fail to protect my account? 

Company response: Company chooses not to provide a public response
Consumer complaint: my credit report is skewed because of the amount of money owed related to the credit limit. 
I have a XXXX credit card, that had a credit limit of {$13000.00} in 2014. They reduced thelimit to {$9200.00}. This increased my " debt to limit ratio '' to an unfavorable rate. I am penalizedtwice. I did have late payment which I do not challenge. But the ratios that are used do nottake into account the reduction in the new limit. XXXX reason it was reduced- lack of use inXXXX stores. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been attempting to obtain a modification on my mortgage loan since last XX/XX/XXXX The first attempt we had to start the process over because of the length of time that passed. This time we submitted everything that was asked of us in a timely manner each time we received a letter or phone call and I received a letter from the bank on XX/XX/XXXX stating they had not received all required documentation they would be unable to offer assistance options. The week of XX/XX/XXXX was the last contact I received via phone call requesting documents from a male co-worker of our Home Preservation Specialist asking me to send 2 documents the last week of XXXX and I faxed those documents the same week. Since that time, we had not received a call or letter notifying us of any additional documentation needed like we had in prior communication with the bank. The letter also did not state which documents were missing. On XX/XX/XXXX, I called the Home Preservation Specialist ( HPS ) we 'd been working with throughout this process who stated she would transfer me to the Re-entry Program. I spoke with that contact person who stated he would have the HPS review our package to find out what documents were missing and the HPS would contact me by XXXX, XXXX XXXX. I had not heard from the HPS on said date so I called her and left a message asking for a return call with the status of the review. On Thursday, XXXX XXXX, I called the HPS again and left a message asking for an update of the review. I then proceeded to call the Re-entry Program contact number provided in my initial call on XXXX and an automated message stated they were currently having technical difficulties and the system then disconnected the call. I believe we are getting the run around and are not being treated equitably. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern : I, XXXX XXXX, writing this letter in regards of collection account which I just found out from me credit bureau and it was created on my name for the purchase I never made. 
The details of this collection says that I owe {$3300.00} to a creditor - XXXX. I want to dispute this just because I live in America since 1996 and have never in my life purchased a phone or signed up for a contract to XXXX XXXX. The person who has is not me and is a fraud of myself. I would like to request a full investigation on who impersonated me. As soon as any information is found, please contact me and remove me off the collection list. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a complaint # XXXX XXXX. Apparently this was closed. I received several e-mails to call you but I can never get through. I also have continued to try to get thru to Citibank without sucess. I received my first bill under the new arangement and it makes no sense. It has no detail, just a total due. If I was to pay the principal divided by XXXX it would be {$3000.00}. but they are billing me for {$4000.00} with no explanation 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo never sent a bill for my {$31.00} payment for XXXX 2015. I looked for it. It never came. I moved and sent my new address to them on the other wells fargo bill that i had. They sent me a bill for the {$31.00} and XXXX charge and a {$25.00} late fee. It was due XXXX XXXX. I called XXXX XXXX, spoke to a lady named XXXX and told her how they never sent a bill then XXXX billed and gave a late fee. She said just send {$63.00} today and i will remove late fee. I gave my bank card numbers. It was paid. In XXXX Wells Fargo sent me a new bill for {$92.00} with a {$35.00} late fee and past due amount of {$21.00}. I called and a man from Wells Fargo told me that she made a mistake, the late fee gets deducted from the total amount and that i owe {$92.00}. I told him thats not fair, they never sent me a bill and almost {$100.00} for the month is a lot to pay for a bill thats only {$900.00} .He says well you can send XXXX now and the other before the XXXX. I sent {$40.00} at that time. They sent me a note asking for {$25.00} more. I sent a check for {$25.00}. They sent a new bill for {$100.00} charging a past due amount of {$52.00} and a {$35.00} late fee. I called the service says i owe {$83.00} by XXXX XXXX. I feel the late fees are unfair. why didnt they say the right amount in the last letter? What happened to XXXX bill? I should not have been charged late fees. All of this is on my credit report also. These increases and late fees are unfair. Can you help? Thank You XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I wrote XXXX about this dispute, but got no response. 

Company response: Company disputes the facts presented in the complaint