AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: To Whom it may Concern, I 've been dealing with a fraud issue. I had fraudulent transactions on my card and it was taken care of promptly. About a month later there was more fraud from the same company. I was told it was because my card and the fraud had not been dealt with the correct way the XXXX time and instead of closing my card I was just issued another. 

The XXXX time there were XXXX fraudulent charges totally about XXXX dollars. On my statements I can see provisional credit for only XXXX charges. The merchant that billed the fraudulent transactions reimbursed all XXXX of them and Wells Fargo promptly debited my account for all XXXX charges, stating I had already received credit for them. However, I had only received credit for XXXX transactions, leaving me approximately {$250.00} short. 

I was told that I had received the missing credits on the old card before the balance transfer and I would see it on my statement. It did not appear on my statement so I called again and was told I would get another statement in the mail that reflected that I had received credit for all XXXX transactions. I have received nothing, there is no proof I ever received credit for those transactions ( Aside from credits that were later taken away as debits ). I just want tangible proof that I was reimbursed or credited for those charges. Today on the phone I was told I had received credit ( even though it was debited shortly after ) so my request for written statements has been denied and I need to accept verbal confirmation from them that I had been credited. All I am asking for is a document showing XXXX provisional credits, XXXX merchant credits, and XXXX bank debits. All they can produce are statements for XXXX provisional credits, XXXX merchant credits, and XXXX bank debits. There are XXXX missing credits. By law I am entitled to these records. The bank is telling me I am not, I need to just trust that they have done it. I have been asking for documents for 2.5 months, the bank can produce none. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a B of A mortgage modification loan, and it has been in place for XXXX years. Now for no reason B of A has been sending XXXX packages to my home. The documents state that I need to re sign these documents and have them notarized. The documents state " As your home loan servicer, we where pleased that your loan was approved for a loan modification.Although your mortgage has been modified, there was an error in the format of the documents that we used and they were unable to be recorded at the county records office. If not recorded properly, homeowners may experience issues later when attempting to have their home loan serviced. This is not a new loan modification. It is a copy of your previous loan modification. '' They later state, .. '' while reviewing the documents, we noticed the XXXX or more items where missing in order for it to be recorded at your local county recorder of deed, which is a requirement of the loan modification process.Because we need your assistance in signing the replacement agreement, we would like to compensate you for your time by offering a {$500.00} incentive. " I checked with the County and my modification has been properly filed, recorded and documented with the county ; they faxed over my documents and everything seems to be in order. I have called Bank of America many times in regards to this and they keep giving me the same reason. I was assigned an account specialist who called me back regularly to tell me she has no answer for me as to why B of A insists that I need to resign these. I have taken it to the B of A escalation department ; where I was assigned another " account specialist ''. I have been recontacted by this specialist over the last XXXX weeks, at least XXXX a week ; to tell me that she has no answer for me as to why they need me to resign. Now the last call from this representative, I was told that she would no long be able to work with me and that I need to contact another person from B of A. I have supplied them with a copy of my documents and deed, registered with my county as proof that there is no issue and that the documents are indeed registered. B of A continues to XXXX the same documents to me ; I believe I have XXXX or XXXX of these packets now. I just want a straight answer from B of A ; or a copy of the document from my county stating that there is really an issue with my documents. I can not get a straight answer from anyone at B of A, this has been going on now for over 6 months. I do not trust these people and I just want a straight answer or proof so I can sleep at night knowing that these people are not trying to take my home ; I have never missed a payment and I have never been late. Please help 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently checked my credit report and found an account that was not my account. Upon further investigation of the matter I found that someone used my information without my consent, knowledge or authorization. I reported the incident to the FTC, local law enforcement and other agencies to protect my identity. I filled out documents required of me by law and sent the information to the consumer reporting agencies. I sent everything that I was given including report numbers and followed the instructions of the FTC. Transunion sent me a letter back with a Transunion Identity Theft Victim Assistance Affidavit requiring me to fill it out. Transunion additionally claims that the information that I sent in was missing essential personal identifiable information which is not true. I can submit the information sent to Transunion to prove that every aspect of the documents were filled out and a copy of my DL and SS card was sent. According to the FTC and the FCRA I am not required to fill out the companies form. I sent in a filled out FTC Affidavit with an FTC complaint, a report number, my DL and SS card which was required of me by law. The following account is not my account and I request that it be removed. 
XXXX XXXX XXXXis not my account.. Please remove this account from my credit profile. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX, i am a XXXX post XXXX veteran, my husband is a senior citizenI Was working with XXXX XXXX on Modification XXXX XXXX for nearly 2 years. He just got indited on for-closure fraud. My mortage has ballooned, I am 1000 % upside down loan to value, Experienced decrease in Now I am attempting to handle this process myself. I just would like for some protection for my case to ensure that Bank of America comply with all Federal, State, and Local regulations assistance due me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a checking account with US Bank, so I have a check card/debit card. While in XXXX, XXXX I noticed everytime I withdraw funds or use my debit card to pay for meals, medicine, or anything, I am assessed an XXXX fee. The bank knows I 'm XXXX for XXXX weeks. I told them before I left so they would n't suspect fraud or identity theft. The fees range from XXXX cents to {$2.00}. Why the wild inconsistency? Each time I go the local ATM I have to pay the bank 's ATM fee and my bank 's XXXX fee. Why are banks charging their customers these unncesessary XXXX fees? The technology is such today that it should n't matter where I am in terms of cost to my bank. 

Therefore, the complaint is that my bank, and I 'm sure it 's industry pracitce, is taking advantage of customers who are XXXX just to earn more revenue in the form of unnecessary " XXXX fees ''. 

Also, why the wide range in XXXX fees charged by my bank? Everytime I go to an ATM I 'm paying, sometimes, more than {$5.00} in fees total to withdraw money. This can add up because I do n't have a credit card. During a typical week that could add up to more than {$50.00} in fees. I 'm not in the habit of withdrawing a lot of cash at once to store on me out of safety and budget concerns. 

Thanks for considering this complaint. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a Wells Fargo checking account. Over the past several months, I kept on getting charged for low balances in the account even though my average balances for the month were over the minimum. I guess Wells Fargo has a rule which states that if the balance falls even {$1.00} below the minimum, customers get charged for this. I had a direct debit attached to the account to eliminate the minimum balance issue, but to no avail. I eventually got fed-up with Wells Fargo and asked to close my account and get a refund of the balance which was in excess of {$2000.00}. The account was asked to be closed over 1 month ago, and I am yet to receive my money from the bank. I have called the bank many times, been transferred around, been put on hold for hours. Now Wells Fargo is stating that the check was sent to over a month ago. Furthermore, they have not told me why the amount it my checking account was not just transferred into another bank ( which was linked to this account ) as I had instructed them to them. Finally, Wells Fargo has asked me to send them a notarize letter stating that the check was never received and to wait 90 days from the time they receive this letter before they will reissue another check. 
I think this is unfair, unethical, and illegal. The bank basically has kept my money and continues to keep my money and expects me to wait for over 3 months before I can get it. 
I would like my money back from this thieving institution. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an account at Bank of America for years. About two years ago I went in to close it since I no longer used it. I was told there was no need to close it since it was a free account and there was no way they could change my account and start to charge my free account. I then left {$20.00} in the account to keep it active. This year I find out through XXXX that my account was low. It turns out my account was now {$16.00} in the hole and there was the threat to charge me an additional {$35.00} insufficient funds fee. Having no other option to close the account I had to pay them {$16.00}! No one would refund my account so essentially Bank of America stole {$36.00} from me. The {$20.00} that was in the account and the {$16.00} extra that I had to pay. Infuriating to be lied to by bankers that my account could never change. I would have closed it long ago if I knew they could change the terms of the account without my approval. 

Company response: Company chooses not to provide a public response
Consumer complaint: CMRE has failed to respond to my letters. I have requested a validation of debt and requested any sign instrument of alleged collection. Till this date i have not heard from CMRE and they continue to report it on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have written Experian numerous times asking for this to be addressed to no avail. 
XXXX XXXX # XXXX is not a collection/chargeoff. The car was repossessed and I paid to get it back. 
I need this information corrected to show the XXXX balance and date paid/closed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently checked my student account from the XXXX College of XXXX and there is a so-called " Hold '' from ICR ( Immediate Credit Recoveries ). I 've never done business with this company and I pay my tuition with Federal Financial Aid and have already resolved my payment option through the Financial Aid Office of my University. I have not received any written nor electronic communication from this company nor from my school about this issue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I continue to get debt collection notices from CACH , LLC ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I informed them repeatedly that they got the wrong person. Pursuant to my rights under federal debt collection laws, I requested in a certified letter that CACH , LLC cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' They received letter on XXXX XXXX, 2015. On XXXX XXXX, 2015 I received another letter from them asking for monies. I want them to cease and decease letters and phone calls to my residence. 

Company response: Company chooses not to provide a public response
Consumer complaint: I continue to get debt collection notices from XXXX , XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I informed them repeatedly that they got the wrong person. Pursuant to my rights under federal debt collection laws, I requested in a certified letter that XXXX , XXXX cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' They received letter on XXXX XXXX, 2015. On XXXX XXXX, 2015 I received another letter from them asking for monies. I want them to cease and decease letters and phone calls to my residence. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sued for an old debt of XXXX in 2012 which was bought by XXXX XXXX XXXX. Settled for XXXX and the court judgment indicated that the debt is Paid In Full once paid off as agreed. The settlement of XXXX was paid off a week ago and I went to the attorney 's office for the final documentation and pay off notice for my records. Frederick J. Hanna & Associates presented me with a paper showing a XXXX balance, I asked why is there a balance showing when the account is paid off and the judgment is satisfied. I was informed that what I agreed to was a " Settlement '' and that I did n't pay off the original balance. I provided him with the court documents from 2012 clearly showing the terms of the agreement and his response was ... he does n't know how the court could write that at the time even though their signatures and the court agreement terms were provided to both parties at the court in 2012. I asked how can you change the terms of the agreement after the Civil Action was filed and completed and considering that the original account was not owed to them? The document clearly shows a balance of XXXX and nowhere does it indicate that the agreed terms were met and the balance paid off as the court required. The attorney said that I paid/agreed to a settlement and did not pay off the original balance so the balance still remains, but if you " read ' the document it 's in there. However, he insisted that there is no balance owed, that the account was paid off and I am cleared. The document is written in a way that anyone can come along and sue me for the remaining balance and I told him that. He insisted that they only had to " read '' the document. It is a clear contradiction of the terms of the court agreement and a direct move to implicate me further in this situation. Had I not met the payment agreement as the court directed, my end of the deal would be null and void and I would owe the entire balance. So how at the end of the contracted agreement can they insert a balance to an account that is PAID OFF, I met the terms when I paid the balance off as agreed? I then requested a payment schedule which was provided but showed XXXX instead because my final on the spot CASH PAYMENT was n't posted to their account and a copy of the Satisfaction of Judgment which I have n't received yet. The attorney told me if anyone asked I could show them the payment schedule and the payment schedule. He also noted that this was their standard letter and it could not be changed. Utterly ridiculous shenanigans! The document does not indicate anything was paid, not the dollar amount, not the final agreement, nothing but a remaining balance and words to the effect that I owe a balance to an account that as of last week has been satisfied and paid off. XXXX XXXX XXXX has clearly reneged on the original XXXX Judgment of 2012 and changed the terms of the agreement after the fact. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/15 TCF Bank reordered my transactions and added an additional {$19.00} Check Printing fee to make my account overdrawn by - {$2.00}. On XXXX/XXXX/15 TCF Bank charge my account {$37.00} Returned item NSF fee. My deposits are not available for XXXX/XXXX/15 {$100.00} cash, XXXX/XXXX/15 ATM {$100.00} cash, XXXX/XXXX/15 ATM {$380.00} check. ( Please see attachment ) 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: At approximately XXXX EDT on Friday, XXXX XXXX 2015, I placed a call to Citigroup ( at telephone number XXXX - hereinafter the " XXXX number '' ) in regards to a closed account. I was instructed that the people available on that line were not able to help me, but that I should call another department within Citigroup at telephone number XXXX ( the " XXXX number '' ). 

At approximately XXXX EDT on that same day, I followed the recommendation of the Citigroup employee, and placed a telephone call to the XXXX number. When an unnamed representative answered this call, she answered the call as " XXXX XXXX XXXX XXXX. '' As I had been led to believe that the XXXX number was another office within Citigroup, I was confused, and asked for clarification. 

After being assured that yes, I was in fact speaking with a representative of Citigroup, I proceeded to divulge personal details - including, but not limited to my name, address, and social security number ( or a portion thereof ). 

After divulging this information, I was informed that the telephone call to the XXXX number constituted an attempt to collect a debt, and that I was not, in fact, speaking with someone who had any connection to Citigroup. I was further told that XXXX XXXX XXXX XXXX is in no way affiliated with Citigroup, even though this directly contradicted the information provided immediately earlier by agents and/or employees of both Citigroup and XXXX XXXX XXXX XXXX. 

I believe that during the call to the XXXX number, an agent or employee of Citigroup did engage in unfair, deceptive, and abusive acts and practices, in violation of the Dodd-Frank Act. 

I also believe that their actions may have violated the Fair Debt Collection Practices Act, as follows:1. Violation of 15 U.S.C. 1692 ( e ), Paragraph 10 - " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ; '' 2. Violation of 15 U.S.C. 1692 ( e ), Paragraph 14 - " The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

The Citigroup employee either knew or should have known that the XXXX number was not, in fact, another department within Citigroup, and certainly should not have represented that it was. I believe that this unfair and deceptive act may have been sanctioned by Citigroup, pursuant to a forward flow agreement with XXXX XXXX XXXX XXXX, who periodically purchase defaulted consumer credit accounts from Citigroup. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Wednesday, XXXX at approximately XXXX pm duplicate payoff wires were sent from XXXX XXXX XXXX XXXX account to payoff a Seller 's Bank of America mortgage. Payoff attached. The payoff amount sent in duplicate is {$140000.00}. Wire confirmation attached. The wire hit BOA 's account early Thursday morning of the XXXX. I called BOA payoff department and informed them of the duplicate payoff. XXXX, our bank did the same. Since approximately XXXX on XXXX, BOA stated the recall for the wire to return to the sender ( XXXX ) has been approved and sent. However, we have yet to receive the funds. We have run out of options to receive our funds back, and the only information we are getting from BOA is that is has been sent. I know if the wire has been, we surely would have received it Friday at some point. Please note, these are funds from our XXXX account, and it is imperative that we receive the funds as soon as possible. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX we received a copy of the BPO which stated the home was occupied ( home is empty and vacant ) and there were no photos of the inside of the home and this was an " interior BPO ''. 
XX/XX/XXXX We tried to escalate over the phone to speak to the Negotiator or their manager and was denied the information and said all we can do is dispute the bpo, we advised that this counter is n't justifiable as the BPO has repairs outlined but the as-is and as-repaired value were the same despite the bpo agent never even entering the property to assess the condition. They would not let her escalate. 
XX/XX/XXXX XXXX emailed the Negotiator XXXX XXXX who responded stating they ordered a new BPO through a new vendor, so even he agreed it was unjustifiable. 
XX/XX/XXXX Negotiator emailed the new XXXX We emailed XXXX request the Negotiator and addressed that this BPO has comps over XXXX mile away, the comps square footage is over the subject property, closings took place over 6 months ago. There were no adjustments to the value based off upgrades, heated floors and XXXX car garages with the XXXX XXXX emailed that he will submit for review of value dispute. He informed XXXX he gave her contact info to his mgmt. team ( but wo n't give us their contact info ) to date, no one has ever contacted us. 
XX/XX/XXXX We emailed the Negotiator our XXXX and supporting comps to add to the dispute reviewSince then we have followed up for status on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and have emailed the Negotiator for update via email XX/XX/XXXX and XX/XX/XXXX with no response. 

We escalated on XX/XX/XXXX and on XX/XX/XXXX I was advised that the dispute will take another 1 to 2 weeks. I escalated again XX/XX/XXXX and another update of 1 to 2 weeks was noted on the file and talk of ordering new bpo. To this date, no new bpo has been ordered. 

We have informed the Negotiator and several Relationship managers that this buyer is about to walk and no one has expedited the file. 

Since no one has expedited the review, the home has been broken into XXXX times and now the floors are covered in vomit and holes kicked into the walls. The banks lack of effort has put this vacant home in harm of being vandalized and possibly obtaining squatters. The client and us feel the bank has no concerns and no intentions on getting this reviewed properly or rendering a decision. They would rather force us to relist and possible obtain more issues with the home. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a bill for a " expedited payoff ''. I did not request this therefore is does not belong to me, nor did I agree to this! 

Company response: Company chooses not to provide a public response