AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had a mortgage through Bank of America. I was told by B of A that if I stopped making the payments for 3 months they would modify my loan and lower the payments, after not making the payments like I was advised B of A stated I did not qualify for a modification and actually raised the house payment to where I could not make the payment. I knew other people that had this same situation and they just stayed in the house until the bank forced them to leave. I left this was not right and I left the house and moved into a rental ( have supporting documents to show I was not living in the house ). Over the years I kept receiving phone calls and correspondence from multiple banks and/or mortgage companies wanting me to pay what I owed. I stated several times that I had left the residence and to please just foreclose on the property that I was not moving back in. In XXXX my husband and I were looking into purchasing a home. The mortgage company involved pulled my credit and stated I owed XXXX on my house. I stated that I no longer lived there and the house had since been sold and people were living in it. I contacted the mortgage company that was listed on my credit report and told them they had since sold the house so how could I owe them any money. I also stated that I had not been at the residence since XXXX and why was in not showing foreclosed? They stated they had just taken over the loan and that they showed the house did actually foreclose back in XXXX XXXX and they would update it on my credit, I also asked them how come it did not show a foreclosure sooner since I had left the residence back in XXXX? They stated they did n't know why they had just taken over the loan. My credit was updated and it reflected that the house foreclosed in XXXX. I tried to complain to the Mortgage company that I left the house in XXXX and that it caused me further delay to purchase a house because they missed foreclosing when I actually left, but no one would help me. I was then told I could purchase in a house in XXXX XXXX because it would have then been 3 years since the foreclosure, so once again I went this week to purchase the house I have been living in for 3 years and was advised that a mortgage company filed an Mortgage Insurance claim in XXXX XXXX for the me leaving the house. NOW I am being told I can not purchase a house until 3 years from that date? B of A has actually taken a foreclosure that should have only effected me purchasing a new house and know has make it to where I can not obtain a house for 9 years. This process should have been resolved and showed foreclosed back in XXXX and now I am being told I can not purchase a house until XXXX of XXXX. I will be forced to move from the house I am in with my children because of this and do not feel this is right. I was honest and moved out and did not live there for free. I need to know what action can be taken if any? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried to update a wrong credit report with cbna and was told they were unable to help me and correctly update an account debt that was sold to another creditor and since been finalized and then I tried to contact experian directly to help me and they do not have a way to speak to any one, only automation phone. Very frustrating. 

Company response: Company chooses not to provide a public response
Consumer complaint: At finally, I required to file extra-charging complaints against Bank of America that They still refused send my paid rent check with sad icons forward to Speaker XXXX XXXX and U.S. Senators and they refused helped with me into credit card declined because of overdraft and bad credit records as XXXX official told me that I applied for XXXX Bank for a debit/checking account application had been declined in the past years ago because of Bank of America had my bad record included overdraft and others. In addition, I did not get a refund check {$310.00} since XXXX XXXX, XXXX i checked mail daily, it was nothing to do, so frustrated with Bank of America did not send me a refund check to me without alert messaging to my smartphone, it helps me a notification alert. They declined my credit card with XXXX that they discriminated me that had not resolved problem. I do not want call Bank of America without person will take care of me. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX XXXX XXXX from Wells Fargo called me and left me a voice message advising me that he is sending Wells Fargo 's resolution as their response to my complaint to your office and on XXXX of XXXX I received his response from you via email. In his message he asked me call him if I had any questions so that we could discuss it. I have called his XXXX different days and left him a voice massage today that it is 5 business days after my call ( s ) he still has not responded. In his voice message he indicates & advises the customer to leave him a message and that he would return the call within 24 hours or One Business Day. Even his voice message is not based on honesty. 
I am filing this complaint because he has left me in the air without returning my calls and ignoring my concerns. W.F. is trying very hard to get my house foreclosed and have not cooperated an inch in the entire time nor wanting to help. Only with a logo of " We are here to help '' ( help whom, themselves or the customer?? ) a pretentious way of fake identity. 
Please contact this abnoxious man and ask him why he is not following the rules or any laws? Plus he did not acknowledge or replied to my concerns in my previous appeal. The only reason I can think of is because he has absolutely nothing to say in favor of Wells Fargo and he can not tell the truth either. 
I will hire a lawyer to sue Wells Fargo if they do not cooperate and help me save my house. His phone no. is : XXXX Ext. XXXX. 
Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have banked with US Bank for over 20 years. This is not my primary account so I do not monitor it regularly. I keep it open only for longevity and have prided myself on perfect credit until now. I set up a premier line attached to the account in the case of an oversight in the beginning and I have a U.S. Bank XXXX which I have used and never had a problem. On XXXX XXXX the bank must have done an electronic purge for idle accounts that has no human intervention. My previously free account had now been charged a return check fee even though I have n't written a check in over 5 years. This activated the premier line that advanced {$15.00}. When I received the notification I went to the bank that very day and signed a form showing that I needed the account deactivated and giving the bank permission to correct the error. I deposited more funds to the account just to be safe and they said I had nothing to worry about. No sooner had I left the bank they called me asking me to come back because they needed a copy of my drivers license and I obliged, signed yet another form and I left the bank relieved. A month later I received another statement that showed I still owed {$15.00}. I hurried back to the bank, told them what had happened and this time directly paid the {$15.00} myself. I then called the credit card company who was of NO help at all. They said I would have to dispute the matter with XXXX, which I did. During the dispute process I discovered not only had they refused to recognize this was an error, they hit my account with a {$50.00} maintenance fee and late fee on top of that. I did not receive a credit card statement to let me know. To add insult to injury the credit report I got back noted I had " poor performance '' and they lowered the credit line on the account. This is a very, very old account that has had literally no activity on it to constitute " poor performance. '' I am so disheartened to see that my bank has no power to fix this terrible problem by reaching out and just saying, " hey, our system goofed and we do not want to lose this good customer who has loved us until now, please fix this for her with our apologies. '' It 's not about the money for me at all it is about integrity and principle and being fair. I 've paid everything they have asked for and it scares me that this could easily happen again. I would close all my accounts but I 'm just not that type of person. I diligently try to work things out with the best of intentions. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I applied for a home loan through a major bank. To our surprise, there were XXXX ( XXXX ) accounting errors, and a bill for a person that is not me. 1. Tax Lien {$1600.00} My tax debt was settled in XX/XX/XXXX, the balance is {$0.00} and it is paid in full, this should have been removed over 7-month 's ago. 2. Child support monthly payment {$660.00}, my daughter turned XXXX in XX/XX/XXXX, my support was reduced to {$150.00}, this should have been corrected over 3-years ago. 3. My name is XXXX XXXX, I have no idea who XXXX XXXX XXXX is, this person 's credit history should not be connected wit mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a Bank of America customer, and I used my debit card for gas and there was {$1.00} hold placed on my account. When that transaction finally posted for the full amount, the bank rearranged the order of all my recent transactions which caused my account to look like it was overdrawn and then charged me a {$35.00} overdraft fee even though my account had plenty of money in it. At the beginning of the business day on XXXX/XXXX/15 my account was fine and when I informed the manager that the over draft jus showed up today he stated that the account was overdrawn on the XXXX/XXXX/15 but I just could n't see it. I believe this is an unfair business practice. To rearrange the order in which things post and then not even make it visible to me so that I can properly manage my account makes me feel like I 've been robbed. This should be fraud. This is the second time now they 've don'e this to me and they refuse to refund my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX/XXXX/2015 Complaint XXXX Follow-up : Dear Vice-President, I received your letter informing me your offices were trying to contact me regarding my complaint to the Consumer Protection Services about my Loan Modification. 
I disagree with Wellsfargo because my loan Modification took too long was wrongly completed by extension to 40 years? Monthly payment application are very wrong with interest and Principal!!! 
Loan Modification is NOT refinancing loan & is mandated by Govt to assist home owners in trouble, My payment should reflect 70 % payment towards Principal and 30 % towards Interest or worst case equal amount to Principal & Interest after Escrow deduction as was the case previously but this greedy wicked bank is trying to extort unreasonably. 
How can ONLY {$41.00} be Principal with {$180.00} interest out of {$400.00} - I have paid Wellsfargo Bank over {$130000.00} on a {$72000.00} loan over the past 19 years!! 
I am demanding immediate review & correction as stated of my Loan Modification at worst. Thank you, XXXX XXXX XXXXTel : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The Credit Reporting Agencies hold consumers hostage and decide their credit fate at their whim. Their undisclosed algorithms calculate a score that consumers do not have access to unless they apply for a loan or " buy '' the score from the agency ( for a monthly fee of {$29.00} ). When you do buy a score from XXXX of these companies, it 's not guaranteed to be the same score a creditor would get if pulled on the same day. That is because each reporting agency has multiple scoring systems and there is no certainty as to which XXXX the creditor is pulling. The " key factors affecting your credit score '' are even more of a joke. They do not provide any real insight into your score and are not consistently supported by what is in your report. I recent requested by XXXX report from XXXX. Despite no delinquencies, charges offs, or other negative information showing on the report ( not XXXX derogatory item ), the top factor affecting my score was " serious delinquency. '' The credit score tracking provided by XXXX of my credit cards ( presumably from Experian ) is no where near close to the credit score disclosed to me on a risk based pricing notice from a creditor from the same period. The credit reporting agencies have a monopoly over individual 's credit access and they are not held accountable nor is there any transparency. When is the CFPB going to regulate this industry and hold these companies accountable? How many studies must you conduct regarding the abuse before you take action? FCRA does not provide any consumer protection from these for-profit agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have notice over and over again my accoutn being minus and find myself paying well over {$200.00} of over draft fees. And thing that I pay via debit should automatically show as being cleared the smae day. Bank of America shows everything as processing even the things I have debited. They could not answer my question when I asked. Long story short they had to refund me {$320.00} because they were wrong. This has been going on for a while and I am sick and tired of wasting my time EVERYTIME this happens. For all I know they may owe me alot more money. Can someone please investigate this. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX I purchased a new home. It was a foreclosure that needed a ton of repairs as it had been vacant for almost a year before. I went to Home Depot to try and obtain a " XXXX XXXX '' to hopefully be able to afford the things I needed. Unfortunately they did not approve the loan but a member of their prodesk said that they could sign me up for a credit card that had a high enough limit to purchase the things that I needed. We walked to the front and went over the pertinent info : name, work info, social, etc. They approved me for a {$5000.00} credit card, so i purchased a full kitchen suite and flooring for the new house, maxing out the card immediately. A month goes by and I returned some products so I went to check the balance of the card to make sure they cleared and made a small payment. A few days later I received a call from someone from Home Depots credit card service asking about unpaid invoices. Not sure what they meant, I asked what the invoices were about and they named the items that I had purchased. I told them I had made a payment online a few days prior which they confirmed, but then they informed me that the card I had signed up for a was a " paid in full account. '' Something that had never at any point been disclosed to me. Had it been disclosed, I never would have spent all that money. I have made every effort to work with the XXXX to have this line converted to a revolving line of credit however they were unable to approve the change without opening a new line of credit, then transferring this amount to the new card. However, when they tried to do that, I was ineligible DUE TO THE BALANCE ON THE EXISTING CARD. I 'm not sure what to do now. they have been reporting to credit bureaus monthly for the last few months as late payments because the entire balance of the card has not been paid. My credit score has fallen nearly XXXX in that time to XXXX and the entire {$5000.00} amount will be sent to collections after 120 days. I attempted to work out a home equity loan with my bank to try and pay off the debt with that, however was unable to because of my credit score and the length of time since my last credit line was opened. So in essence, I am unable to access the equity in my old townhouse ( ~ $ XXXX ), which would only be used to consolidate existing debt due to my newly lowered score and my newly existing debt. I do n't know where to go from here. I 've tried to work with the store and the credit company and neither XXXX is capable or willing to help. All I want to do is make payments on the card that I was not fully informed of the terms for. I never would have signed up for the card had I known it would have turned into all this. I 've always been a Home Depot shopper, but they are on the verge of losing a customer for life. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX incorrectly reported late payments after account was paid in full and settled. I disputed an incorrect late payment reporting from XXXX with them and the XXXX major credit bureaus. Trans Union is the only credit bureau that has not corrected the rating. I requested the correction on line according to Trans Unions procedure on XXXX XXXX and submitted written verification documentation from XXXX stating the account has been paid in full to Trans Union and Trans Union is saying its not enough, they need to talk to someone at XXXX. I provided phone # 's and contact information for XXXX to Trans Union and Trans Union is now saying they can not verify the phone number and are refusing to correct the issue. I am in contract escrow with a lender to purchase a new house and have given notice to my Landlord. I have to be out of my current rental property in 10 days and will lose thousands of dollars and be homeless if Transunion will not correct this issue immediately. The unacceptable part of this situation is Trans Union corrected the issue on my husbands report and is refusing to correct the same issue on mine over the same joint account with XXXX. If I ca n't get some immediate assistance with this from someone with some common sense and authority I will be homeless in 10 days. Please help, I have documentation to support everything. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit bureaus are now limiting how and when your account information can be investigated. Because I disputed information on my mortgage account over a year ago, XXXX will not allow me to dispute any information again on the account unless I go through a lengthy process of re-submitting additional information and substantiate my requests. This is how the credit bureaus are going to work around and not truly help the consumers and maintain control while limiting any negative reputation towards creditors. I think it 's wrong! If it 's been over a year and I need to dispute the same account, I should be allowed to without any hassle and resistance. The bureaus are supposed to be there to help us ensure creditors are not abusing their power and accurately reporting. They should not be limiting/controlling how and when I need to make complaints on an account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I HAVE SENT THIS COMPANY XXXX DIFFERENT LETTERS AND THEY HAVE NOT COMPLIED WITH EITHER XXXX OF THEM!! THEY NEED TO STOP CALLING ME AND HARASSING ME!! THIS IS NOT MY ACCOUNT AND THERE FOR SHOULD NOT BE ON MY CREDIT REPORT!! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Went to branch to process cash advance deposit at XXXX XXXX XXXX branch in XXXX XXXX CA. XXXX told that would be OK. Then told by XXXX XXXX that I need to get a voice authorization from the credit card company. Staff at branch where in a hurry to go home. Then they told me that they could not process my deposit. I told them that I needed to make the deposit to avoid XXXX {$35.00} overdraft fees. They said sorry and ushered me out the door. 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Report Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for 5 years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in Utah 2 years, it would be easy just to ask when and where the charge occured. Can you please have this corrected? 

I would like debt validation : CREDITOR/DEBT COLLECTOR DECLARATIONPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: An apartment complex turned a debt over to Alpha Recovery Corp. 

I paid Alpha Recovery Corp {$1500.00} on XXXX XXXX, 2015 using a debit card. The transaction cleared my XXXX XXXX XXXX Checking Account on XXXX XXXX, 2015. The amount did not chargeback ( overdraft ). Alpha Recovery Corp began contacting me on XXXX XXXX, 2015 saying my bank reversed the transaction. This is not true. 

I provided Alpha Recovery Corp with : ( 1 ) a statement saying I authorized the transaction, ( 2 ) my bank statement, and ( 3 ) a letter from my bank. In addition, my bank spoke with Alpha Recovery Corp & myself on conference call. My bank informed Alpha Recovery Corp that reversing a transaction ( that is not an overdraft ) is impossible and was not done. 

Lastly, representatives from Alpha Recovery Corp are harassing me both at home and at work despite a Cease & Desist letter mailed on XXXX XXXX, 2015. Specifically, a representative named XXXX XXXX has repeatedly called my employer 's corporate office and the CEO. On XXXX XXXX, 2015 a female representative lied and said I paid with a XXXX XXXX and the money has been placed into my account. I do not own a XXXX XXXX. No funds have been placed into my account. 

I have proof of:1. The original bill2. Payment receipt from Alpha Recovery Corp3. A letter from my bank confirming ( 1 ) both the funds cleared and ( 2 ) the transaction was not reversed4. XX/XX/XXXX bank statement showing the payment to Alpha Recovery Corp5. XX/XX/XXXX bank statement showing the transaction was not reversed 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers