AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I pulled my credit report on XXXX/XXXX/15. I immediately noticed that the fraud statement had an old phone number listed in both my report and my husband 's. I reported this XXXX years ago and have continuously contacted all XXXX credit reporting agencies in the past regarding the issue. I tried to dispute online, but could not as the message on Experian 's website says that you have to call to dispute the fraud statement. So I called the following day. An agent with a XXXX told me to dispute online. I reiterated what the web says and that there is no " dispute '' button. He gave me the following site : XXXX. No such link exists. He then claimed that he was deleting my phone numbers. I told him not to delete all my phone numbers, only the incorrect XXXX. About a week later, I received a letter from Experian that, as requested, they had deleted all my phone numbers. I went online again to check my report. No changes have been made and the incorrect phone number is still on the site. I have not had a chance to call back as the office is only open from XXXX, and I do not want to continue going through this ridiculous routine with Experian not changing incorrect information. They 've had 6 years to make XXXX change. 

Company response: Company chooses not to provide a public response
Consumer complaint: Common wealth financial systems reported on all XXXX of my credit reports on XXXX and changed the status to " collection '' on XXXX/XXXX/XXXX. This debit was discharged XXXX XXXX in chapter XXXX bankruptcy. I contacted Common wealth financial systems at XXXX spoke with the supervisor XXXX XXXX and he stated to me " this is not common wealth 's problem because they have this debit reported as in collections as of XXXX XXXX '' He was informed the debit was discharged in chapter XXXX in XXXX XXXX and he stated " Common wealth does not investigate this and as of XXXX XXXX it is a collection that is due ''. What can i do about this stuff being reported to my credit. I have submitted packages to XXXX, XXXX and XXXX in XXXX XXXX to dispute the XXXX XXXX acct placed on my credit and Common wealth updated the status on XXXX/XXXX/XXXX to " collections '' I have been denied credit since XXXX XXXX and most recent XXXX XXXX reporting. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The monthly amount due on my credit card is inconsistent. My monthly statement gives XXXX amount. The online banking alert of credit card payment due ( an email from them ) gives a different amount. I 've contacted them several times to correct this, but the problem still remains. The final straw was this evening when I called again, and politely but pointedly asked for some action to be taken. I was transferred to another department which had already closed for the day. A horrible way to treat a customer. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB, I contacted Bank of America to close out my health savings account on XXXX XXXX, 2015. Bank of America advised me that the account would be closed and I would receive a refund check for the funds that were in the account. I received a check from BOA in the amount of {$570.00}. On XXXX XXXX, 2015 I deposited the check BOA owed me to my XXXX bank account. On XXXX XXXX, 2015 to my horrific surprise BOA reversed the check causing my bank account to be overdrafed and causing financial harm. I contacted BOA directly to find out why they took my money on XXXX XXXX and the response I received was, " We are sorry the check was reversed, we have been advised by other consumers of the same issue and we are working to escalate to find out why this happened and will contact you the latest Friday XXXX XXXX. '' Not only was BOA not helpful, they did n't not return my funds. Due to their incompetence, I now have to pay a reverse checking fee and overdraft fee. This is unacceptable and unethical what BOA has done to me. I am a hard working single woman who should not be penalized due to BOA terrible mistake. The worst thing about the entire situation is that they could not tell me why they took my money they owe me. I hereby demand that the {$570.00} be returned to my account immediately along with the {$22.00} for reverse check and overdraft fee I now have to pay. BOA has not only violated UDAAP laws, they have also caused stress and financial issues on my part for what they did. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was a student at University of XXXX and received a loan in XXXX when I completed my education and it came time to pay I deferred my loans because I was having difficulty but citibank would not defer so the account ended up being charged off. I tried to call and make arrangments because on my credit report they say I am charged off but they are still charging a past due fee of about XXXX every month on my account. The representative on the phone says the company does not accept payments anymore but the account is still theres and they can charge because I havent made any payments to them, and they havent for a long time they contract out and gave me the number to a collection agency. Now I went on the website and you can make payments but it says I dont have any active or full disbursed loans, so how am I still getting charged for an inactive account that they will not accept any payment for? 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like to submit a complaint against Bank of the West for how they process checking account transactions. I had a debit card transaction of XXXX that was pending over a weekend my account at that time had the funds. Then on Monday an individual cashed a check that I gave them in the amount of XXXX. On Monday night there was a XXXX in my account plus a deposit I made at an atm machine in amount of XXXX but was n't until after business hours. On Tuesday the bank charges me XXXX overdraft fees they processed the check first which was the higher amount which put me at a negative balance then processed the debit transaction after that causing XXXX over draft. My complaint is the debit card was sitting on pending way before a check was even processed but yet the higher amount transaction got processed first. When I asked my bank they told me that they determine which is more important and process that first. I asked them how they determine which one is more important and I was told by bank manager that they go by the higher amount in determining which one is more important. What even give them this right to determine which is more important of a transaction and if this was the case why was n't the check cashed before all my other transactions that were pending over the weekend which were all much lower then the check amount of XXXX. I will not argue against having XXXX over draft fee but I am furious that they could arrange the order of my transactions being processed. To me what ever gets posted to your account first should be processed first not whether or not a branch manager thinks XXXX transaction is more important then another transaction. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received phone calls approximately XXXX months ago about a delinquent payday loan. I never took out this payday loan and the money the company said was deposited in my checking account never was so the debt is completely false. Now I have Aargon Collection Agency out of XXXX XXXX, Nevada trying to collect this same debt and providing no debt verification even though I can prove through bank records that the payday loan was never applied for or received. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: After XXXX attempts to consummate a short sale for this property, for XXXX reason or another Bank of America was unable to proceed. After finally figuring out that BofA did not want a short sale, I quickly applied for the deed-in-lieu program. The investor, XXXX, has approved the deed -in-lieu but BofA has declined the process. The sale date is scheduled for XXXX/XXXX/2015. I have called as many agencies as I could to stop the foreclosure so we could consummate the XXXX. I have also filed a pro se motion with the court to postpone the sale date to give ample time to finish the XXXX. All paperwork is in and XXXX is willing but the servicer is unwilling to co-operate. What is my next step?. 

Company response: Company chooses not to provide a public response
Consumer complaint: My x-boss got in to my wallet and got my XXXX card issued by bank of america and used it for XXXX times, when I contact bank of america 's customer service they told me that they CAN NOT do anything about it! because I knew who did those unauthorized transactions " my x-boss '' and because we had ( my x-boss and I ) an agreement to pay off the balance, so it is my responsibility to fix that even if he ( my x-boss ) did those unauthorized transactions by phone paying a bill to XXXX XXXX, still bank of america CAN NOT do nothing about that, in other hand, if you have a boss and you do have a credit card issued by bank of america, you should cancel that card ASAP, or if you have a card issued by bank of america and you have ( friend, relative, coworkers or any human you know on this planet ) you should cancel your card ASAP, because you are responsible for any unauthorized transactions made by them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a wire transfer through Citibank to XXXX in the amount of {$18000.00} in order to purchase a land in XXXX on XXXX. It took almost 1 month and the fund was never received by the beneficiary. I got answers that the transfer takes up to 5 day,10 days, and 20 days ... every time I called. Citibank is supposed to contact me if there is anything wrong but they never did and instead, I contacted Citibank almost every week since the transfer was made. Citibank promised me that I will get full refund and fee if the transfer is not made. So the last time that I called them was on XXXX. XXXX, XX/XX/2015 and I was told that the fund was returned because the account number that I provided was not correct. I also contacted the bank in XXXX to check all information and all information is correct including the account number. I would like to get my full refund and the processing fee as they promised since my time has been wasted and I will not trust them again. The problem is that Citibank told me that they will refund me with the current rate and without the fee which means I will lose money. This does n't make sense at all! Citibank kept telling me different answers and changing their minds which is not right. I highly doubt that if they ever transferred the fund. I ca n't pay for this because I provided correct information. In addition, I could always modify the information if there is anything wrong. I really need my full refund because Citibank failed to transfer my money. I 'm providing information regarding to this issue below. 
Source Account : XXXX ( Checking ) US Dollar Amount : $ XXXX : XXXX XXXX XXXX Account : XXXX : XXXX XXXX XXXX XXXX : XXXX Number : XXXXCitibank Reference Number : XXXXTrace Number : XXXX up by : XXXX XXXX XXXX XXXX XXXX XXXX My name has been changed to XXXX XXXX and XXXX XXXX XXXX my previous name 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan office has some sort of issue with questions about my loan. Every time I ask details I get unclear answers and push to another time. If I email him my questions about the extra payment plan agreed to, I receive vague answers in red & no contact info for said XXXX party servicer ( XXXX ). XXXX who services my mortgage knows nothing about extra payment plan agreed to. My original mortgage is with Resmac, my servicer is XXXX, the third party whom they have the agreement with is XXXX. It 's a whirlwind of confusion. XXXX XXXX XXXX a XXXX Resmac 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: To whom it XXXX concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX, and XXXX XXXX is my daughter 's name. I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are either not current or just wrong, since the only names I have ever used are XXXX XXXX and XXXX XXXX, but only while I was married, and XXXX divorced, in XX/XX/XXXX, I returned to my maiden name, XXXX. I am contacting you to correct these errors, because they are hurting my daughter 's credit report, as it seems you have us as the same person. My daughter has been working on correcting her credit report as well, since a lot of my information can also be found on her record. Also, my birthdate is reported incorrectly on my credit report. I was born on XX/XX/XXXX, not in XX/XX/XXXX, as it is reported. 

I have lived at my present address : XXXX XXXX XXXX, XXXX, MA XXXX, for 15 years. I lived at XXXX XXXX XXXX, XXXX, MA, XXXX, before that. I have NEVER lived in : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or in XXXXXXXX. My daughter has lived in some of the following addresses, not me, yet these addresses can be found under my XXXX daughters record as well. My daughter and I have different social security numbers, and we share the same first name, and XXXX last name, and in the past, the same address. I need my financial account separated from that of my daughters, because of these errors, when my daughter requests a change of address, my mail is also redirected to her new address, since in my credit report I am reported as having lived where she has erroneously. Lastly, I have some defaulted student loans and they do not show-up on my credit report and I fear they may be lurking under my daughter 's credit report. I need help in removing my daughters name and addresses from my account, in the hopes of separating our financial records. I have provided documentation to prove my name and addresses, along with my student loans, which should be under my name. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a detailed Email from my Realtor : to the COE of XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX '' We have sent everything ( XXXX ) need to process the loan for XXXX XXXX XXXX, XXXX at least two weeks ago and we still do n't have a closing package at the Title company for the HUD and closing. 
This is a Fannie Mae loan and I have been telling everyone all along and especially over the last two weeks that we MUST HAVE THE FILE TO TITLE 48 HOURS BEFORE CLOSING. 
The file was complete Thursday, XXXX XXXX with corrections on name and ready for underwriter. I expected to see it arrive at the Title company and have a HUD done on Friday only to be informed by your local representative, XXXX XXXX, that nothing had been done yet but should be done by early week. 
I requested the file to be complete and sent to title on Monday so we could close on Wednesday. Your employee XXXX XXXX stated that " closing date is XXXX XXXX so the file will be there the XXXX ''. A FANNIE MAE LOAN NEEDS TO BE AT TITLE 48 HOURS BEFORE CLOSING!. 
I have talked with XXXX and he can not seem to get the file escalated enough to meet the deadline as of yet. WE have 2 hours to meet the deadline - see email from XXXX XXXX at XXXX XXXX. If it is not there by XXXX EST, we will not make the closing. 
My buyer has given extra time in planning his life ( we have moved the closing from XXXX/XXXX/15 to XXXX/XXXX/15 to XXXX/XXXX/15 ) but we have maxed out his time. He will be without a home XXXX if this does n't close on time ''. 

No one took the time to explain to me why we could n't close on each of the previous times listed. This has been a great waste of time and money for me. Now as of the XXXX of XXXX I will not have a place to call my own due to the fact that I picked XXXX as a lender for my XXXX loan. Overall this has been a awful experience. I am disappointed, angry and very unhappy. For more than a month, this has been happening. Thankfully, I have detailed email threads for proof and investigation by attorney. 

Hope this helps someone. 
Thanks XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I get several calls from this company who have some not all of my personal identification information. They claim I owe this debt and demand payment. When I ask for mailing address and/or validation, the reps offer an email. I state that I would like validation mailed, the XXXX lady said, no we will email that to you, how are you going to pay this in the meantime. I stated that she was violating the law and I was reporting the call, she laughed, and said, we do n't have to comply with the law, good luck with that. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My husband received a call that we have been turned over to a collection agency for a medical debt that occurred in 2013. He asked for a statement and told the collection agency that we would be happy to pay as long as we received a statement to verify the debt. He was told they did not have to provide a statement and this would be reported on his credit report. I in turn called them and attempted to have them send me a copy of the debt we reportedly owed but they refused. I have not received any written communication from the collector only a phone call. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted Case number : XXXX but it was not sent to Citibank but rather to XXXX for resolution. Since the Patriot Act, banks are required to obtain ID before opening an account so I want to know how was a CRIMINAL allow to open an account and receive wire transfers. Also how did Citibank allow their database to be hacked and all correct information on a credit card was stolen and used to pay for my services. And now I am told I have to write-off all my expensesI wire transferred {$3200.00} to what I thought was a legitimate customer of Citibank who turned out to be a scam. The following information is all documented via emails. 
On XXXX/XXXX/2014 we received a request for quote via email from XXXX XXXX from XXXX and Sons to print XXXX flyers. 
On XXXX/XXXX/2014 we received an email with the information on the Mastercard we used to pay for the XXXX and Printing of the material of {$5800.00}. On XXXX/XXXX/2014 the funds from the credit card were deposited into our bank account and that is when we started the printing the material On XXXX/XXXX/2014 he asked us via email for the status of the printing job and asked us to contact the XXXX XXXX to schedule the pick-up by the XXXX XXXX. On this date, he also called the shop to talk about the status. We schedule pick up of the XXXX XXXX at our shop on XXXX/XXXX/2014 and paid the XXXX company the {$3200.00} they requested for the shipment. I was provided a routing number and account number and name. 
On XXXX/XXXX/2014, in reconciling our bank account we noticed that the {$5800.00} was chargeback to our bank account and hence the reason I am writing this information. In the meantime, the XXXX XXXX flyers have been printed and we are waiting for the XXXX Company to pick them up 

Company response: Company chooses not to provide a public response
Consumer complaint: Activated citibank Debit Visa card on XX/XX/XXXX. Expired on XX/XX/XXXX. Citibank says that any monies on card at expiration are theirs for accounting fees per agreement at time of purchase. I saw no agreement at time of purchase. 

XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Consumer Financial Protection Bureau : Please, I have written the XXXX Credit Bureaus ( XXXX, XXXX, and Experian ) to contact XXXX XXXX XXXX in order to credit me for the credit history I established when I purchased a XXXX XXXX XX/XX/XXXX and continued paying for it until XX/XX/XXXX when I finished the payment. Attached are the letter and summary of my account history from XXXX XXXX XXXX. I have been turned around each time I have called the credit bureaus about this while they continue to report that the XXXX XXXX XXXX do not report to them ( Credit Bureaus ). The credit bureaus should not have any adverse reporting against me when I have been buying and paying for my vehicles in full. They seem to be interested in hurting consumers than trying to help us. I could not be establishing a good credit while they continue reporting the adverse hurting credit histories instead of reporting the good credits I have worked hard to establish. I do not know what else I could do to help my credit reports than to appeal to you to help get my established records credited for me. I am being dribbled by both the credit bureaus and XXXX XXXX XXXX. This is a report against Experian since you told me to file separately against each credit bureau. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently applied for a refinance to my mortgage through Quicken Loans. I had asked about their product where they claim to pay your PMI for you. This would really save us some money each month. After working with their agent, I was told that I did not qualify because I do not have enough equity in my current home. I understand this even though my wife and I have an impeccable record and credit scores. The problem that I have is that if I do not qualify, why do I continue to get email notifications urging me to apply for refinances through them? I constantly receive email notifications from Quicken Loans telling me to apply and asking 'What 's holding me back. ' The emails even allow for a link to apply within them. I wanted to apply for the right product for me, which they said I could not get at this time. Now I receive notifications that I should keep applying. I just want to move forward with the product I want. 

Company response: Company chooses not to provide a public response
Consumer complaint: Repeated calls from XXXX from XXXX, and XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am former student of XXXX XXXX, I have a genesis loan that is in default. I currently owe {$7.00}. The school is now being sued and is under investigation for fraud. The school was a joke ; they where so worried about collecting the monthly payments for the Genesis loan that they would pull students out of class and away from there studies. 

I strongly believe that I am not responsible to continue paying on these loans because I did not finish the course. The schools curriculum was not that of a regular college. XXXX was over packed with teacher to student ratio. In the class room the students had to stand or find setting because they over packed there classes. Half the time the book store did not have the books needed for the class and they where on back order ; this cause student to have to wait to take a class and or share with a class mate. This made students unable to finish work on time. 

I want to be able to go back to school and finish my degree, but I am not able to due to so with this genesis loan. The lender is not people friendly and they seem to not want to help with paying back loans ; they are rude when you call and state that they are unable to take less than {$200.00} a month in payments. This is outrageous for a single mother that works full time. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company