AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I recently came across an article on the XXXX regarding Bank Of America being fined over XXXX XXXX dollars for their identity theft scam. I have been a member of the privacy assist owned by BOA since XX/XX/XXXX so I called them to see if I am eligible for this refund. When I spoke to XXXX of their representative XXXX she transferred me to a guy rep who can help me with the refund. After going over some questions he told me that he ca n't find my account and told me that only members from the year XX/XX/XXXX-XX/XX/XXXX are eligible for refund. I could'nt tell when I started exactly on my membership so he directed me back to the previous rep to find out. Privacy assist told me that I 've been a member since XX/XX/XXXX making me eligible for the refund so then I asked the rep why they could n't find my account information. The rep then told me to call BOA directly which surprised me because all along I thought I was talking to BOA. So I did that I called the customer service for BOA and what they did was transferred me back to Privacy Assist. I was passed on from one rep to another with no answers to my questions. I need your help to get fair justice from this corporation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am submitting the Amended Police Report to Chex-Systems. I have disputed several address and reported information but Chex-Systems continues to come back to me and tell me that it is n't enough the dates are wrong or they flat out just deny it. Please remove all reported information from my Chex-System consumer report. Please only leave my actual mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX. Please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXAnd send me an updated consumer report 

Company response: Company chooses not to provide a public response
Consumer complaint: The have XXXX offices. I told the lady to contact me in a week and i would hopefully have a better idea or have something to put down. Then she tells me they put it down in the computer but still I keep getting phone calls two or three times a day. I talked to the guy in XXXX and told him last week I would hopefully have something by the first and again phone calls from both places everyday. Again I talk to the guy in Idaho falls he is rude. I do not work. He does n't want to make small payments with me and when I complained about them continuing to call me over and over he said well if you paid this we would stop calling you. This was this morning. I told him to stop calling and I would give them something as soon as I got some money. Right before I wrote this complaint against them they called me again. It 's bonneville collections 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Some company posted a account on credit report that is not mines. They never even sent me a bill stating debt. But after i disputed they updated account and sent me attached letter.But company still has not provided me information on what the debt is. The letter does not even give me any type of ACCOUNT INFO. 

Account XXXX Bank XXXX, this account is not mines and this bank never sent me any information regarding this bill. I do n't know what this is. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted BOA to inquire about an escrow reimbursement check on XXXX/XXXX/15. The automated system indicated XXXX would be mailed out on XXXX/XXXX/15 however the associate informed me that XXXX was the amount sent on XXXX/XXXX/15. I asked what happen to the XXXX and was told it was " mailed out to the investor ( XXXX ) to pay for your PMI. '' XXXX said they had nothing to do with PMI. I called BOA back, shared what I was told by XXXX and the story changed. This time I was told the PMI was sent to HUD. I contacted HUD ; they had no record of me. I called BOA back and the story changed a XXXX time. I was told AGAIN the PMI had been sent to XXXX. After refuting this, I was told my PMI carrier was XXXX XXXX. I learned from XXXX that the account was cancelled on XXXX/XXXX/15 and the last payment received on XXXX/XXXX/15. Moreover I was told if additional funds were received from BOA they would be returned to them. I called BOA back and the story changed a XXXX time. This time the associate said the XXXX was sitting in my escrow account. I asked how this could be when I no longer have a mortgage. I asked if I could have the money refunded and was told " no. '' I asked why and the story changed AGAIN. This time I was told the XXXX would be used to cover admin fees for paying off my mortgage. 
I ca n't begin to imagine how many other customers have been subjected to this type of fraud. In fact I said this to a BOA manager named XXXX yesterday and his response was " unfortunately you 're absolutely right. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: I WENT TO A CAR LOT TO GET A NEW CAR AND WHEN THE CREDITOR TOLD ME HE HAD TO PULL MY CREDIT I TOLD HIM THAT I ONLY WANT XXXX INQUIRE ON MY CREDIT REPORT. THEY RAN MY CREDIT MORE THAT XXXX TIME AND MADE MY SCORE DROP 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX 's sales and lease sued me in small claims court and was awarded a judgement against me. At some point they sold my account to a dept collection agencies and they received the money from me. I have contacted the collection agency and they are mailing me the form stating that the accounts are paid in full and closed. But when XXXX 's filed their complaint the total amount does not match what I paid in full and they also labeled the account as medical which is not true. I tried contacting them on several occasions so I could get the original amount so I can prove to the court that the dept is paid. I have gotten wrong numbers and out of service numbers and answering machines. I Have left messages and no one has contacted me as of yet. This judgment is preventing me from buying a house. I do n't know what else to do if they do n't respond back. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo Credit Card issued me a credit card i believe back in XX/XX/XXXX. I have been using that card recently. I have a XXXX credit limit. Recently I was unable to use the credit card for a purchase and contacted the number on the back of the card. When I spoke to the representative at Wells Fargo Credit Card he said that They extended me credit this past month because I am a valued customer who makes their monthly payment on time and overtime. So because I am a " valued '' customer they gave me more money then my contractual {$5000.00}. they did this without warning me or notifying me what was happening. Now they claim that I have until XX/XX/XXXX to pay the overlimit fee and my monthly payment of {$100.00} This amount comes to {$880.00}. I do not understand why they extended me credit when I did ; t ask for it. I expect that if I go over my limit I am going to be declined at the register. Why was I not declined and or notified and why am I being punished now by having to pay the whole amount back within a month. I do n't care if they think I am a good customer or not, should n't it be my decision if I want more credit? Where are my rights? Am I XXXX by Wells Fargo? Please help! Thanks. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian received a letter from me in XXXX questioning accounts I feel are inaccurate on my credit report. They never responded to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company, Net Spend sent me a debit card that I did not request. The card can only be activated by entering my social security number, not the card number. I tried to contact Net Spend and without activating the card I could not speak to customer service. I have filed a complaint with the FTC and Local Police. My name and address is listed with Opt-out Prescreen list and flagged with the credit bureaus. I had to email them to cancel card XXXX exp XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i recently pulled my credit report and discovered that this company has reported that I owe them a debt. I never received a letter from them informing me that I owed them anything and rights were violated under the FDCPA 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Since I blocked there number on my phone, ( they use XXXX different numbers ) I have received over XXXX calls. Sometimes up to XXXX times a day calling me. If I pick up and hang up they will turn around and call again. Last Monday XXXX XXXX they called me at XXXX, XXXX and again at XXXX. Along with every day of the week they constantly call me. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have an alleged XXXX account for XXXX on my Experian credit report.I have disputed this account several times with Experian as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Experian credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
XXXX DOFD - XX/XX/XXXXExperian DOFD - XX/XX/XXXXXXXX DOFD - XX/XX/XXXXThe FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Experian is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Experian responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is on all XXXX credit bureaus. On XXXX XXXX I traded in a XXXX for a XXXX. Some reports have that I have XXXX car loans, I have XXXX. Under each of the reports inquires they have listed XXXX XXXX XX/XX/XXXX14- XXXX XXXX XXXX XX/XX/XXXX/14- XXXX XX/XX/XXXX/14-auto XXXX XXXX XXXX XX/XX/XXXX/14XXXX XXXX XXXX XXXX/XXXX/14 Where I purchased the car XXXX XXXX/XXXX/14 Which is my loan company XXXX XXXX/XXXX/14 It is my understanding that there should only be XXXX loan inquiry for this purchase. This greatly effects my credit and my score 

Company response: Company chooses not to provide a public response
Consumer complaint: I am XXXX in XXXX, NC, where I have practiced for 17 years. A borrower has asked my firm to do his closing and his lender is Corporate Investors Mortgage Group. This lender is requiring that I use XXXX and that I pre-pay the access fee for doing so. This computer system is purely for the benefit of the lender but they have shifted the cost to me, the settlement agent. Additionally, in order to use the program, I am required to agree to the Terms of Service which are ludicrously one-sided. Essentially, if anything goes wrong with my use of this system, I indemnify them and I promise not to blame anything on them to the consumer. I do n't have a choice in using the system, and if anything bad happens ( like their system is hacked and my credit card information is stolen ), I am totally on my own. I am on the verge of telling any consumer that wants to hire me as his/her XXXX that I will decline if his/her lender is Corporate Investors Mortgage Group. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: XX/XX/XXXX, I contacted Wells Fargo about a mortgage modification. Being proactive because my financial situation was changing. They sent me documentation to fill out and this was done by me in a timely fashion. Wells Fargo confirmed that all documentation required was done by me until they denied the modification XX/XX/XXXX because something they did n't ask for was not completed. Month after month the same documents were sent, then I got representation because of the stress this process was taking on me. Finally in XX/XX/XXXX I sent an email to Wells Fargo board of directors and then all of a sudden my modification was approved XX/XX/XXXX. Then XX/XX/XXXX, Wells Fargo sends me a letter trying to cover the fact that they contacted me during the cease and desist period which I dispute in writing. Wells Fargo also purposely dragged out the process of the modification urging a short sell and in the process have given themselves XXXX sitting in a corner of profit at my expense. The desired solution ; explanation of how my request for a modification rewards Wells Fargo a profit of XXXX. And to make others aware of Wells Fargo way of business. 

Company response: Company chooses not to provide a public response
Consumer complaint: Banco Popular de Puerto RicoMortgageDespite being completely up to date, this bank has been harassing me since XXXX 2015, every month by calling on the 1st, 2nd and 3rd day of each month to pressure me to pay and when they can expect payment. I repeat, the mortgage is not in arrears or default, it is completely up to date. 

Company response: Company chooses not to provide a public response
Consumer complaint: JD BYRIDER { CNAC }, XXXX, Iowa has been taking car payments, electronically out of my checking account for the last month and a half without my permission or consent for a vehicle loan that is in no way associated with me or my name.I am XXXX years old and am trying to survive on a fixed income and now have a negative checking account balance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Debt collector did not send a dunning letter at all. Did not call me, made no contact before reporting this to the Credit Reporting agencies, XXXX, XXXX and XXXX. This is a violation of the California XXXX FDCPA. This is not the first time they have done that. Just a few months ago the CFPB helped me with the exact same situation with the exact same company who listed ten items on my XXXX file and XXXX on my XXXX file. They did end up deleting the items because I threatened to sue for damages and because of my complaints to this agency as well as the XXXX, FTC and the XXXX Attorney General. 

It seems they 're back at it again. This is a rogue company that does not abide by XXXX State Consumer Protection Laws. Please help me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After numerous troubles with fraudulent charges, unjust service charges, poor customer service and policies that change to suit the bank, we decided to bank elsewhere. In trying to make sure that auto charges are being switched over to the new account, I checked the account yesterday morning and found that XXXX auto-debit was floating and needed to be addressed. I immediately deposited cash to cover the " pending '' charges. During our problems with fraudulent charges, we were informed that " pending '' charges could n't be disputed or stopped because they had not been honored yet and we were forced to wait three weeks and face late fees from our mortgage institution and utilities because we had to wait a long period of time to have the charges investigated because of their " pending '' status. Additionally, according to their online banking site, there was XXXX item pushing my account to {$6.00} overdrawn and then they delayed processing the cash deposit so they could charge another item fee, therefore totaling XXXX item fees. When I checked this morning XXXX of my insurances had erroneously billed their account instead of the new account and I rushed to make the cash available. I was told that this " pending '' item was already being honored and that even if I got my insurance company to reverse the error, they would charge another item fee. I am complaining, because when the opportunity suits them " pending '' transactions can be held in cyberspace and the financial stability of my family can be left in limbo for days and weeks, but I can not address erroneous charges while they are " pending. '' I have no way of correcting or disputing charges without incurring fees anyway. Cash deposits should be immediately available funds and be able to be applied to charges that by the bank 's own admission have not cleared their institution yet. It leaves consumers powerless to prevent fees in erroneous situations while pursuing action against those improperly billing. Charging fees for charges yet cleared while not immediately honoring cash deposits only benefits the bank and unjustly penalizes the account holder. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a bank account with Bank of America. to transfer money between accounts, they have a {$1000.00} limit per day, unless you get a text message code, or get XXXX card. 
I have recently relocated back XXXX XXXX after living and working XXXX for a year ). During this relocation my XXXX card malfunctioned, and will not allow me to transfer money. Now that i am living outside of the United States, Bank of America will not provide me with a replacement XXXX card ( as they do not send overseas ), and I can not get phone text messages ( again due to me being outside of the United States XXXX. Due to this, I am unable to transfer my money XXXX more than {$1000.00} a day ) between accounts, and outside of the United States back home. 
As I was working in the United States for a year, I have a substantial amount in this account, that I would like to get access to. 
And to make matter worse, they have a policy of not replacing a XXXX card within 30 days of updating an address. Which I was not aware of. So after relocating to XXXX, and getting a house to live in, I updated my address, then tried to apply for the XXXX card. I was told that I need to wait for 30 days, before I can re-apply for this card. 
So, I have waited for 30 days, and have just been informed that I can not get this card at all ( unless I change my address to a friends place, wait another 30 days, then get it sent to my friends who can then forward it on to me ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent TRansunion a letter, along with my ID, in XXXX. They never responded to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company is Experian and of course it is impossible to find a phone number to speak with a person and complain. I recently worked with a home builder and applied through their lending company to be pre-qualified. All of a sudden I start getting a bunch of phone calls from XXXX XXXX XXXX, I finally asked them why they were calling me. They knew my full name, phone number, credit score, the fact I was in the home buying market, etc. When I asked how they knew they told me Experian gives them the information during the credit checking process so that they ( XXXX XXXX can call and offer a competitive offer. I find this activity highly unethical by Experian. A credit reporting agency of all people should NOT be sharing private information with a third party. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am an XXXX service member and XXXX in XXXX of XXXX. When we arrived in the area we purchase a house for {$190000.00} and by XXXX the value had dropped dramatically. I am now set to transfer to XXXX in XXXX of XXXX and can not afford to keep the property so I started the process to sell my house in XXXX of XXXX, thinking that two years was more than enough time to sell before leaving. I know I will never be able to sell the property for as much as I paid for it so I requested a Short Sale through my then mortgage company. After a couple of months of waiting for a reply from them and listing the house for sale, that mortgage company sold my loan to another mortgage company and in the process lost some of the documents causing the buyer we had for the property to back out because they were taking to long. We then got back on track with the new company trying to sell the house. The last appraisal was done in XXXX of XXXX stating the house was worth {$76000.00}. We listed the house for {$100000.00} and received an offer at that price. Now almost a year and a half into trying to sell this house and not go into foreclosure, my now mortgage lender says they need to net {$140000.00} to approve the Short Sale. I have never missed a monthly mortgage payment and can not afford to in the future because it will affect my security clearance and my job. I do n't know what else to do. We have been very patient and done everything this company has asked. If I foreclose on this house it will affect my career and family and that is the last thing I want to do but come XXXX of XXXX I will not have a choice and will be forced to foreclose. I would very much appreciate any assistance you could offer. Thank you. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: USAA will not allow me full member access to my accounts saying that " Since I declared bankruptcy they ca n't collect debts ''. This is contrary to bankruptcy law, as my bankruptcy was finalized 3 years ago, and therefore I no longer owe them money. When I call to find out more and get more details and ask to speak to a supervisor in banking they put me on hold for XXXX minutes and then disconnect me. They only allow me mobile access, which does not allow access to my USAA accounts to change how I pay my bill and do other critical things. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have disputed this item with Experian through the mail and over the phone several times and the last time I spoke with the customer service representative, he told me that he was doing me a favor by opening up XXXX more investigation. I sent Experian documentation showing that I have never had a tax lien and sent them records that I have from the CA XXXX website showing my tax history for the last 7 years. I was told that I would have to have the state of california issue a withdrawal of lien before they would remove it which is utterly IMPOSSIBLE!! and I currently live in another state. The will not accept anymore documentation from me to prove my case with them, which I already did. I need help! 

Company response: Company chooses not to provide a public response
Consumer complaint: A check was mailed to pay off my Macy 's account in full on XXXX XXXX, 2015, and to this day Macy 's still has not applied my payment to my account. Macy 's cashed the check, but refuses to apply the funds to my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a client of Citibank. I was notified that from XX/XX/XXXX on I would be charged a maintenance fee in my account ( " basic '' type of account ) if I did n't have a balance of {$1500.00} ( I was a student before and I did not have to pay fees ). My average balance since XX/XX/XXXX has been + {$10000.00} a month ( which corresponds to the minimum balance needed to waive fees from " premium '' accounts XXXX. 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was charged a {$25.00} fee for maintaining the account. 
I called Citibank today and they waived the charges as 1 ) I had enough balance to waive all my fees 2 ) I was not a " premium '' customer but " basic '' 

Company response: Company chooses not to provide a public response