AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I closed my checking account with Wells Fargo on Friday, XXXX/XXXX/15 in person at the same branch I opened it 15 years ago. The teller confirmed that the account would be closed and handed me in cash the remaining balance. I also have a credit card account with Wells Fargo and it was setup to autopay from my checking account. Payment was due on XXXX/XXXX/15 in the amount of {$290.00}. I attempted to cancel that autopay but they do n't allow you to do it online. Since the checking account had been closed, I decided to not worry about it since could n't very well autopay from a closed account. I made payments of {$500.00} & {$1000.00} to the credit card account on XXXX/XXXX/15 from XXXX separate checking accounts outside of Wells Fargo. Both posted on XXXX/XXXX/15. Wells Fargo proceeded to deduct {$290.00} from my closed checking account and transfer it as a payment to the credit card account. This caused the checking account to be charged a {$35.00} insufficient funds fee. I specifically opted out of their overdraft system previously and chose to instead have them deny payment if insufficient funds due to their manipulation of their internal system to generate fees. They then transferred {$290.00} from my credit card account ( yes, the same XXXX they had just paid ) to cover the overdraft in the checking account and charged that account another {$35.00} for paying the overdraft. Another option that I had specifically exercised to not implement because of the outrageous fee they were going to charge for as little as covering a {$1.00} overdraft. They set the system up so they would make {$70.00} for any possible overdraft if you let them tie it to your credit card account. After speaking with the Wells Fargo claims department after sending them an email detailing the problem, I was informed by the claims department person that I needed to take this up with the local branch because she did n't show the account closed. So far, I 'm about an hour into trying to protect my money and still have to spend time at my local branch. I would n't file this complaint at this point except I doubt I 'm unique in this situation and I suspect that Wells Fargo has generated a great deal to their bottom line by manipulating accounts and fees and most people just give up rather than fight them. Of course, that 's exactly why your agency was created and hopefully you will be able to force them to quit these heinous practices. One thing is for sure, I made the right decision last Friday to close my account with Wells Fargo. Thanks for your time. I have enclosed a document that contains my account info and copies from online of what transactions took place. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been doing what I can to get my short sell finalized. US Bank are the worst. After denying a few offers this gentleman offered what the bank wanted. He waited almost 2 years for them complete the view everything was done but after patient running he withdrew his contract. I got put in this situation because they refuse to except my payments because I had a temporary job and I would need to pay back all the money to get caught up before they I can apply for loss mitigation. I feel they are no not trying to let the house be sold. I do n't understand. 

Company response: Company chooses not to provide a public response
Consumer complaint: My home was foreclosed by Greentree in XXXX 2015. I am still working to determine where a more than {$20000.00} payment is with them. In the meantime, their new company, Ditech sent a collections letter in XX/XX/XXXX for {$34000.00}. Upon calling twice, no Ditech representative could tell me what that amount is and how it was calculated. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX American Express credit card payment was due on XXXX XXXX, 2015. I always pay the bill electronically 3 or 4 days in advance. On XXXX XXXX, 2015 I logged in multiple times to authorize payment. The system would not let me put in a payment with a date of earlier than XXXX XXXX, 2015. I assumed this was because of the holiday and went ahead and authorized payment as early as it would let me. Now I get the bill and see that there is a {$25.00} late fee and {$35.00} interest charge on a {$1700.00} balance. I always pay in full ; I never carry a balance. If they did this to me I would assume they treated everyone who logged in on XXXX XXXX to pay their bill the same ( would n't take the payment until after the due date ). I have no other way to pay but electronic -- - I do not get a statement ; everything is on-line. So on XXXX XXXX it was not possible to pay a bill electronically with a due date of XXXX XXXX. This never happened before and I believe it is just not fair. 

Company response: Company chooses not to provide a public response
Consumer complaint: Trying to figure out if the company is charging me the guidelines of interest for an online pay day loan of ohio 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My complaint is against Bank of America. Due to my loss of job during the great recession we were working with them to refinance our home loan in 2009. While making our " new payment '' they were reporting it to the credit bureaus as NOT being paid and ruined my credit. While we did eventually refinance the loan they stuck me with {$17000.00} of unpaid back payments and my credit is damaged. I am current on all debt and all mortgage payments are up to date with NO late payments reported since Bank of America lied to us. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian refuses by trickery to investigate the accuracy of accounts, and largely denies consumers the opportunity to redispute information that is on the reports. In my case, which has happened for the past 8 years, Experian keeps merging information between myself, my brother, father, and grandfather because of similar names, in my case, they assigning my brothers accounts, their home addresses, and credit information to my report, and when actively disputing the accounts, they state that the wo n't correct the information, that it is verified. My name is XXXX XXXX XXXX, my relatives are XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, this is the first instance. 
The XXXX problem XXXX, auto credit, and security national between 2012 present sent me a IRS Form XXXX, debt forgiveness, which means that it was counted as income, not debt on my annual filings, Experian refuses to reinvestigate those facts, and cites repeated disputes, so based upon trickery, they are allowed to keep the item by refusing dispute capacity. 

Company response: Company chooses not to provide a public response
Consumer complaint: The information presented in credit report looks like I 'm in a bankruptcy situation. That 's not true. The following are my current situations : I paid almost all of my account off ( only one left ) ; I have a student loan with no obligation to make payments, I 'm still at school XXXX ; I 'm a co-buyer of our house. I am not the primary buyer. MyWife 's income is count off e.g. It looks like again that I pay the house on my own. That 's not real ; The report said that I have a car loan again I am married I do n't pay only on my own. 
When I called on my own the collectors agencies to pay my debts off a way to show commitments to comply to my debts the credit bureau block me to have a credit. Is that did n't pay was the best thing to do? I do n't think so. 
Please, I would like you to look back my situation and allow me to get back in the system like a responsible US citizen because hardships can happen to anyone. 

Company response: Company chooses not to provide a public response
Consumer complaint: hello, I was charged an overdraft fee in the amount of {$35.00} for a {$1.00} check I wrote to NJ-EZ pass check # XXXX on XXXX/XXXX/15! I had an ending balance of about $ XXXX {$110.00} in the account, and there was a check I wrote for {$600.00} which was mistakenly deposited a day before it should have been, so that caused the account to overdraw by about {$490.00} or so. Well Fargo will say the checks are presented as they come in at the end of the day, and they will lie and say the check for the XXXX dollars came first causing the account to overdraw! 
they do their calculations at the end of business each day, and items are pending allowing you to make a deposit, so I clearly do not know how they can say they pay the items in the order they come in. 
They do this all the item seeking to charge as much as they can in overdraft fees,. 
While I am greatful they honor my checks ( they should, I have been banking with them for over 8 years, and they have been getting tremendous amount of fees from me in the last year or two ). When I am in the wrong, I do not argue with them for the fees to be returned, but in several cases, such as this, I will. 
Again, {$35.00} for a {$1.00} check???? that is criminal!! 
Why are things like this allowed to happen over and over??? 
why are these banks not presented with stricter regulations on such things as this? 
I am not letting them get away with this XXXX, and need your help. 
I am not rich, support my XXXX mother, and pay over {$300.00} a week XXXX to come to my home, which makes money very tight for me. 
I am sick of this, and want something done about the criminality of Wells Fargo for thinking they can do such things! 
Thank you for your help, pls go after them to the fullest extent 

Company response: Company chooses not to provide a public response
Consumer complaint: co signed a student loan for my son, he has fallen on hard times unable to pay, I have retired, and have a very limited income, unable to pay. my son will be able to take care of this himself soon. The company calls by auto dialing everyday at least XXXX times a day on weekends the calls start at XXXX continue every hour until about XXXX. I have explained my deli ma, they offer me no other solutions. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Since XXXX XXXX, 2013, Revenue Recovery Corporation ( " RRC '' ) has been using my social security number and date of birth to report to the credit bureaus that I owe a debt that I do not owe to Jewish Hospital. I had notified RRC several of times that I was not a patient at XXXX Hospital in XXXX both verbally and in writing. I have had to clear off my credit reports at least two to three times because of RRC reporting false information. XXXX Hospital has not responded to their inquire each attempt because I do not owe XXXX Hospital in 2013. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bank with Citibank. 
On XXXX/XXXX/15 my balance was {$8.00}. 
On XXXX/XXXX/15 Citibank charged a monthly banking service fee of {$12.00}, which made my account overdrawn. 
On XXXX/XXXX/15 Citibank charged me a {$34.00} overdraft fee, because of the Citibank service fee charged to my account overdrawing the account. 

Is this legal? 

Below is the end of my live chat conversation with Citibank? 
Is what they are saying true? 


XXXX : at XXXX, please repeat the stance of Citibank when it comes to Citibank service fees overdrawing an accountNoble : at XXXXXXXXWhenever an account is overdrawn, account will be charged with the Overdraft fee of {$34.00} on the next business day. You can avoid the overdraft fee of {$34.00} by enrolling into our Overdraft protection. 
XXXX : at XXXXXXXXAnd that will also occur when a customer has a positive checking account balance, and then a Citibank service fee is charged that makes the account become overdrawn? 
XXXX : at XXXXXXXXYes, Overdraft fee will also occur when the account is overdrawn due to service fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: Had car loan with XXXX XXXX XXXX, same was voluntarily surrendered in XX/XX/XXXX. Item was to have been removed from my credit file from XX/XX/XXXX, and now is XX/XX/XXXX and it is not removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: About 20 or 25 yrs ago Citi Bank said that i owe them some money but I never took out any loan or anything from Citi Bank, I sent word to the D.A in their home town but they never got any word from them, now almost 10 yrs. later I get a letter fro a company called XXXX XXXX they took over the loan or some thing I do not know. Now they say I owe the around XXXX and sum thing 

Company response: Company chooses not to provide a public response
Consumer complaint: I am seeking your help because my mortgage company is refusing to help me avoid foreclosure, it is now over 9 months since I was laid off and bmo Harris bank told me that they were going to help me modify my loan. 

Now after several months under review working XXXX, they just told me that they are not going to help me avoid foreclosure because it is not on the best interest of the investor to help me or my familyPlease help!!!!!!! 


XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX of United Collections Bureau called my ex husband and revealed that she was trying to reach me about a debt collection. I believe this practice is illegal. My private financial information should not be disclosed to others. especially my ex husband. He is the reason I am in debt. I have been in protracted legal battle over a financial settlement, and he is a lawyer. He has used the system to drag this out and forced me in debt in an effort to make me accept a bad settlement. You have not helped by disclosing this to him. Companies should not call other people in an effort to collect debt. By telling him who she worked for she was telling him I am in collections for debt. This type of tactics should be stopped! 
Sincerely, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX called my ex husband and revealed that she was trying to reach me about a debt collection. I believe this practice is illegal. My private financial information should not be disclosed to others. especially my ex husband. He is the reason I am in debt. I have been in protracted legal battle over a financial settlement, and he is a lawyer. He has used the system to drag this out and forced me in debt in an effort to make me accept a bad settlement. You have not helped by disclosing this to him. Companies should not call other people in an effort to collect debt. By telling him who she worked for she was telling him I am in collections for debt. This type of tactics should be stopped! 
Sincerely, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Home Mortgage shows a status discharge through bankruptcy chapter XXXX in the amount of {$54000.00} as of XX/XX/XXXX. I believe this is my current Mortgage that I am and have been paying on. Wells Fargo was not listed in my bankruptcy. Please advise. Thank you in advance for your consideration. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage company is Wells Fargo. I received a loan modification in XXXX XXXX for XXXX properties-my home on XXXX XXXX, XXXX XXXX and my rental in XXXX, XXXX. The loan modifications expired XXXX XXXX. I was still unable to pay the full mortgage and requested another modification, which was denied/ignored. I continued to pay the modified amount, but the difference between the modified amount and the actual loan continued to accrue. Finally, Wells Fargo contacted me and requested documents. I submitted pay statements and other financial documents. I was given a payment plan for the rental property only. I began to pay XXXX/month for the rental, which covered the mortgage and the amount in arrears. However, the mortgage payments were $ XXXX/month. I also requested a payment plan for my home in XXXX, but Wells Fargo did not give me a payment plan. In XX/XX/XXXX began to pay the full mortgage of $ XXXX/month and I requested a refinance so the the amount in arrears could be added to the end of my mortgage. Wells Fargo did not respond. Now, Wells Fargo is requesting the full amount that accrued when from XX/XX/XXXX to XX/XX/XXXX. They have never given me an opportunity to modify the loan or refinance the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is the XXXX time I have felt it necessary to file a complaint about Suntrust Mortgage ( see CFPB case # XXXX ). On XXXX XXXX, 2015 I started the process of doing a refinance with Suntrust, which has been my mortgage company for many years. Because of my good credit history in general and with Suntrust I was told at the time that this should be a fairly easy refinance. After now making XXXX additional mortgage payments at the old rate of 6 %, with another coming due the XX/XX/XXXX, I still have not closed on my refinance. I have heard many excuses for the delays none of them involving a problem with my account. The latest incident was this week when I was told on Tuesday XXXX XXXX that Suntrust was ready to close and they setup an appointment for a notary to meet with me on Friday XXXX XXXX to sign. On Friday the notary called me to let me know that they had not received the documents from Suntrust and they were not responding to there emails. After I contacted Suntrust a new appointment was set up for the next day, Saturday the XXXX. At XXXX on Friday the notary called me to tell me I needed a certified check to cover some of the closing cost. Suntrust had never said that I would need to cover any closing cost in fact they have always said those costs would be rolled into the refinance. With the banks closing at XXXX for the weekend there was no way to even get a check if I had wanted to. In addition to that the notary made mention that my wife would need to be at signing. I have n't been married for 12 years and in fact Suntrust had requested a copy of my divorce decree which I provided, two months prior. In the mean time another week slips by as I wait for this " simple refinance '' to be completed. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX hard pulls in my credit reports that I did not authorize. XXXX are from before I turned XXXX. Also, on XXXX of my credit reports there is an address that is not/was never mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am putting in a complaint against Trans Union Because since XXXX of this year I have been trying to split the merge between my twin brother and me. My brother has been a XXXX for a few years and I have recently gotten my XXXX. I have been living at my brothers house as he is the one who requested me to the XXXX. I have been calling repeatedly and trying to fix the issue where I have not been able to access my free credit report. Trans Union requested for a copy of my social security card which i sent to them already on several occasions. They claim that my file is being sent to the maintenance department and that the problem is going to be fixed yet they do not end up fixing anything. Today i called to get a follow up and once again i spoke to a representative whom this time made the situation worse and finished merging XXXX files together now me and my brother have only XXXX file. This has been an ongoing situation and I am already frustrated in trying to get this matter resolved 

Company response: Company chooses not to provide a public response
Consumer complaint: I am attempting to settle a medical debt from 2013. I am on a limited income because I am XXXX as determined by the Social Security Administration. I contacted the collection agency, Allied Collections in XXXX XXXX regarding this debit. I advised them that I would like to make an appointment to come in and make pymnt arrangements. I made an appointment, however my XXXX-month old child was ill and I had to take care of her. I called them within a few hours advance notice and they were extremely rude to me and asked me to bring my daughter in anyway. I advised them that I would not, and they threatened me with higher interest rates on my debt if I did not make an appointment with them the next day. I made an appointment but my daughter was still ill the next day so I had to cancel again. I just checked my credit score and my interest rate and penalties went up in value. I made a complaint with the XXXX in XXXX XXXX about this and was given a number to call. I feel that I am being punished for canceling an appointment with this collection service. 

Company response: Company chooses not to provide a public response
Consumer complaint: I closed my checking account and two weeks later a debit went through from a company whom I had notified of my new bank account number. Apparently it was n't processed in time enough before the debit hit my bank account. That happened with another company as well. So the bank opened up my account without my permission and let charges go through without notifying me that my account had been reopened by the bank and late charges incurred and also monthly service fee was applied even though I had closed my account. I spoke with them and the balance I now owe is {$160.00} dollars. Unless I pay it all off my account will stay opened and monthly service charge will continue. I should only be liable for the merchant charges. This is illegal for the bank to reopen my account after I closed it. The XXXX charges that came through should have been denied but instead they reopen my account, charge me XXXX overdraft fees and monthly service fee. I owe {$32.00} for XXXX and {$13.00} for XXXX which is what I am willing to pay. 
Thank you and please advise. 

Company response: Company chooses not to provide a public response
Consumer complaint: i have a reverse mortage with reverse mortage solutionsI am on a fixed income they require me to pay XXXXper month to pay the premium I only receive XXXX permonthI have a home onwers policy and auto insuranceutilites and dr and XXXX bills 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After the death of my husband XX/XX/XXXX and the loss of my job, I was unable to pay the mortgage on our home. I went through the necessary steps and returned the deed to XXXX and it 's attorneys XX/XX/XXXX. It was recorded as becoming XXXX property on at the local courthouse on XX/XX/XXXX. The original deed was released to me XX/XX/XXXX. A new owner purchased from XXXX on XX/XX/XXXX. I am trying to get a mortgage for a condo I have under contract and it has been brought to my attention that all XXXX credit bureaus have XX/XX/XXXX as the date the deed was returned.Over XXXX year and XXXX months after it happened. Even though I have all sorts of proof, the mortgage credit bureau will not accept it because it has not been corrected on my consumer credit reports. Please help me! Time is of the essence.It 's hard for me to understand why this ca n't be easily corrected as the dates I am telling you are all public record at the local courthouse. We have been in contact XXXX, but this has not yet been resolved. All the documentation was rejected by the mortgage credit bureau. I 'm not sure I know the difference, but the date XX/XX/XXXX is just WRONG! Please let me know if you can resolve this for me. 

Company response: Company chooses not to provide a public response