AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX, 2015, I noticed a fraudulent charge from XXXX XXXX in the amount of {$94.00} on my checking account with Bank of America. I went in to my local banking center and talked to a private banker. He assisted me to cancel my debit card, in addition to filing a claim and told me that the next day the funds should be returned to my account. The funds were credited back to my account the next day as I was told by the private banker in the location. All was corrected and no harm was done ... so it seemed. 

Then on XXXX XXXX, 2015, I noticed another charge on my account for the same amount of {$94.00}. I called customer service and they told me that the claim had been denied and claimed that they could not tell me anything more. I was then transferred to the fraud department after being put on hold. Finally the representative from the fraud department informed me that the claim had been denied and that the fraudulent charge had not even been posted to my account. They had deleted the entire transaction and any records of it from my account. And they would not assist me in informing me as to why the whole charge and records had been wiped. 

Next I was told that I would have to go through XXXX XXXX in order to get my money back. I called the customer service there after doing a quick search on XXXX to obtain it and they told me that they could not find the order that was fraudulently placed on my card when they searched for it using my name and zip code. I was then transferred to their corporate offices. I spoke to XXXX there and he told me that he would need my card number in order to search for the order. 

I had to call the bank again to obtain the card number. Then I called customer care back at XXXX XXXX and the representative refused to transfer me back to corporate. They told me that they could not locate any trace of an order ever being placed with my card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I been placed in a collection, i just know thru a credit monitor service 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I keep receiving calls from Wells Fargo Home Finance indicating that someone named XXXX at my number needs to speak with them. There is no XXXX at my number and I 've had this number for 5 years. I 've received 17 calls in 7 days including weekends and I 've told them numerous times to stop calling me as I am not the person they are trying to reach.. This is ridiculous and they wo n't stop despite telling me they will stop stating " It takes time to remove me from their call list ''. XXXX it does n't. They pull up the record to my number and told me how many times they called me as soon as I tell them to stop calling me. This is carelss harassment. 

Company response: Company chooses not to provide a public response
Consumer complaint: Green Tree servicing. I accept that we have been frequently delinquent, we have XXXX children in college and finances are tight. I am currently late and spoke with Green Tree indicating payment will be made at next pay cycle ( XXXX XXXX 2015 XXXX for XXXX XXXX payment due. Grace period is 15 days. Green Tree told me they would not accept XXXX payment ( would return my check ) and that I would have to make XXXX payments or nothing. Instead of trying to work with me " a manager '' tried to discuss short selling my house. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This summer, I tried to get the free copies of my credit report from the XXXX agencies. I have to report that it was very difficult. I was only able to get XXXX ( XXXX ) ; I had to pay for XXXX ( i.e., sign up for a {$1.00} trial at XXXX ), and I was never able to get Trans Union report. The free website would lock up, it was very difficult to use, and the whole process took hours. 

Company response: Company chooses not to provide a public response
Consumer complaint: Please see the attached letters. Both clients moved from the house, advised the City of XXXX, and then filed bankruptcy. The City of XXXX, WA code does not permit ongoing charges to a consumer for water bills if they advise the City that they are leaving the house and want the water shut off. The consumers did provide such notice. The City has failed and refused to produce its file for this account, and the debt collector, Puget Sound Collections ( or PSC ), and its attorney, XXXX XXXX, refuse to respond for demands for documentation. Additionally, the amounts keep varying by literally thousands of dollars, without explanation. 

Company response: Company chooses not to provide a public response
Consumer complaint: # 1Original bill was with the XXXX, XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX and in the amount of {$280.00}. The account was referred to collections between XXXX & XXXX. 
# 2Bill for collection was originally assigned to XXXX XXXX XXXX in the amount of {$280.00} # XXXX XXXX XXXX, XXXX I received a notice from XXXX the account was referred to American Collections Enterprises who re-aged the account to the date XXXX/XXXX/XXXX. 
# 4Due to the age of the debt XXXX original date XXXX/XXXX/XXXX XXXX it had " aged '' off of all XXXX Credit Bureau Reports. 
# 5American Collections enterprises placed the collection back in all XXXX of my Credit Bureau files with re-aged dates : XXXX Date of XXXX delinquency of XXXX placed for collection XXXX date opened XXXX above referenced medical bill is a dead account dated XXXX/XXXX/XXXX that had long since aged out of my Credit Bureau Files when American Collections purchased the bill and then re-aged the account to XXXX/XXXX/XXXX. They then placed it again in all XXXX of my Credit Bureau Reports. This action has fictitiously made it appear to be a newer account resulting in the account now staying in my Credit Bureau files longer than the legal time frame of 7 years. This has had a negative impact on my credit scores resulting in lower scores and denials of credit. 
I have tried on numerous occasions to reach out XXXX to have this removed from my Credit Bureau files only to be told by them I have to contact the collection agency. I was advised not to contact the collection agency due to the re-aging. 
Attachments : Copy of bill from XXXX, XXXX XXXX XXXX XXXXCopy of collection letter from XXXX XXXX XXXX of notice from XXXX XXXX American Collections EnterprisesCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collection 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm writing regarding to a lawyer named XXXX XXXX who sued me and took the money and misused the money and tried to collect the money again, and when I questioned him telling him I paid you in full why are you still billing me he responded every email you send to me I 'm gon na charge you.please help and stop this XXXX XXXX from stealing cheating and lying. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: iI 'm trying to refinance my mortgage thru the credit union. We need a letter of mortgage cancelation in order to proceed. My current financial institution, Banco Santander almost deny such letter. 
They charge {$10.00} for it and it can not be pay. They sum it to the mortage. 
I need the letter for the XXXX of XXXX. Banco Santander say that it can not be before the XXXX. 
These is clearly an obstruction for me to refinance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello. In assisting a client with loss mitigation procedure, Ditech ( formerly Greentree ) servicing is refusing to acknowledge a recorded quit claim and letter of explanation and is demanding that the client get divorced. The divorce is an issue because the wife does not want to share her retirement savings. She has left the property and signed a quit claim. Her income no longer is utilized for the purpose of household debt. I believe this is an extravagant request considering that XXXX XXXX is attempting to get his affairs back in order after the breakdown of his marriage. I thank you for your time and attention to this matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I made an offer to a seller on ebay for an item. The seller agreed and took the item down allowing me to pay via paypal. Last message i had with the seller was hom stating he was going to send the item in a few days and that was on XXXX. I have not heard from the seller since. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX 2010, we were forced to relocate for a job. To do so, we had to short sell our home. At the time we had XXXX mortgage lenders, XXXX of which was XXXX Bank. XXXX mortgage lenders agreed to report on our credit reports that we settled for less than the amount owed. This was a bank approved short sale. We NEVER had any late payments, current all the way up to the final sale of the house. XXXX bank reported the sale as a foreclosure on our credit reports, as well as a serious delinquency. This is completely untrue, and as a result has had a major derogatory impact on our credit score. We have made multiple attempts to have this fixed, and they have refused. XXXX reported it correctly, XXXX absolutely did not. Please expedite this request because we do not want to suffer another financial consequence because we are in the process of refinancing, and this is substantially effecting our credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: I ordered, based on the recommendation of my financial advisor, my FREE credit report from Experian. Unfortunately I did not notice the verbiage that said I must cancel a future subscription within a time period that I DID NOT REQUEST in the first place! I understand this is a marketing tactic, but I think it is obnoxious and misleading. They 're taking advantage of people dealing with their financial status when they 're busy and stressed and they get you because of all the verbiage. Please help me get them to do the right thing for the CONSUMER. They should at the very least, give people in this position a one time courtesy refund. Then we will know for next time to watch for this process. 
Thank you. 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The issue with the Bank of America account is that they charged off the account BUT are still reporting that I owe the full balance. This loan was a XXXX loan for the Foreclosure!! I feel like I 'm getting XXXX because I had the foreclosure and they are also carrying the balance, thus I ca n't rebuild my credit nor can I make any purchases because creditors state I have $ 68,000+ in outstanding debt. 
I was looking through some old email and I actually got charged a XXXX by BOA ( as income to me ) for that debt back in the day too. So I have been charged and this is still not being reporting accurately on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a second mortgage with Citibank. My attorney made several attempts to get in touch with Citibank so my loan an be modified but up to now no one has returned his phone call. 

Company response: Company chooses not to provide a public response
Consumer complaint: I put in a " Stop Payment '' request on an electronic withdrawel from a payday loan company ... and the teller said " sure no problem, you just have to pay the XXXX fee '' I asked her " are you sure ''? do I need to submit a letter? and she said No! I made this request 3 weeks before my sceduled withdrawel, I gave her the name of the company and the exact amount and the date the money was supposed to come out. As of today the money has been taken!! I called U.S Bank this morning, and was told that stopping a payment is NOT a guarantee. I WAS NOT TOLD THIS when I walked into the bank 3 weeks ago. 

Company response: Company chooses not to provide a public response
Consumer complaint: Letter received from AMSHER requesting a payment from a debt they say I owed, they are a collection firm. I sent a letter to AMSHER within the 30 day time period, requesting further validation of this alleged debt and received no response. I did see an entry on my credit report that this is listed as a collection. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had a HAMP loan modification through Wells Fargo and they have not performed paying XXXX borrower 's incentives for on time payment as noted .... 
Borrowers who make timely payments on their modified XXXX lien and the modified payment resulted in at least a six percent reduction from the monthly mortgage payment used to determine eligibility will receive a " Pay for Performance '' incentive in the form of a principal reduction of up to {$1000.00} per year for five years. This incentives accrue monthly at {$83.00} toward principal. 
Thank you! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have written and called Experian several times about their incorrect reporting of a collections account with XXXX XXXX XXXX that caused my score to drop drastically. I paid the account in full, submitted the letter from the creditor, and Experian continues to report the account as a charge-off when it was not. It was paid. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for XXXX refinance loans via internet from a company called Cardinal Financial. They called me, checked my credit, which is in the top 1 %, indicated they would freeze the rates if if I paid for the appraisals that day, which I did. The appraisals were completed XX/XX/XXXX, with both properties being appraised with over {$500000.00} in equity. The process bogged down for nearly XXXX months from what they indicated was a work overload for their underwriters. 

In addition to the equity in the properties, I have no debt other than the mortgages and related insurances, XXXX years of credit history, {$54000.00} in annual rental income, {$26000.00} in social security, {$400000.00} in liquid cash in the bank and annual business income of {$100000.00}. Finally, this month they declined both loans as my not meeting debt to income ratios, which is impossible and refuse to refund the appraisal costs. 

I believe the real issue is that I am XXXX years old and they lost the price freeze on the loans due to their own incapability of processing. 

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX account XXXX does not belong to me 

Company response: Company chooses not to provide a public response
Consumer complaint: I just called Wells Fargo bank Personsl Line of Credit. Tried to make a payment of {$360.00}. XXXX XXXX was rude and would take my payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied online for a credit card with Pentagon Federal Credit Union. I was told in order to " apply '' for this credit card I would have to deposit money into a new account otherwise I would NOT be allowed to apply. 
In the application I was prompted to deposit an amount into a new account to process my application. 
Afterward the application was completed I hit the process button and was '' denied '' a credit card from Pentagon Federal. BUT they never offered to return the money I deposited for the purpose of applying for a credit card. 

Now I have a account I did not want to begin with, and feel this is a VERY DECEPTIVE business practice just to apply for a credit card and then be denied. 
Pentagon Federal should NOT require opening any account unless they " approve '' a credit card application. They should also be forced to refund ALL monies taken by this deceptive practice of denying credit card application in order to solict money to open unwanted accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: i had to use XXXX that belongs to City XXXX 
they sent me a bill with a wrong information. 
i asked them to submit it to my health insurance and double check the bill. 
instead of submitting the claim to health insurance they submitted it to collection agency. 
collection agency never contacted me and just reported the illegal debt to my XXXX account and damaged by perfect credit score. 
i contacted people from debt collection agency and informed them that there was no debt. they informed me they would check everything and get back to me. after that they disappeared. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Our XXXX loan was sold to Carrington Mortgage Services. After two months, they said we could get into a program to reduce our indebtedness on our home since we were underwater. Carrington then sold the loan to XXXX XXXX for approximate value of our house. Carrington was paid in full for the loan yet they reported that we short sold the loan. Since we still live in the house, this is impossible. Senator XXXX XXXX 's office has stated that we were not in any Nevada home refinance program. Note that Carrington purchased the loan in XXXX 2014 and sold it in XXXX of 2014. The report on our credit prevents us from obtaining lower interest in a refinance for three years. 

Note also that we never signed any paperwork with Carrington 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: This is my second complaint against Wells Fargo. My first complaint number is XXXX. I have tried to negotiate with Wells Fargo and they refuse to work with me. I am sick and tired of the their lies and their manipulation of the system. My complaint is that I can not get a straight answer from them. Was Wells Fargo the lender/investor of my loan or was the FHA the lender/investor? This information is crucial because if Wells Fargo lied to me in order to steal my home for profit or gain, they are in violation of consumer protection laws. I had FHA insurance which I paid for. Could the FHA be the investor and also force me to pay them for mortgage insurance? That 's what Wells Fargo is telling me. XXXX XXXX, XXXX, XXXX XXXX sent the OCC a letter stating Wells Fargo was both the server and the investor but in XXXX of XXXX, XXXX XXXX told me, over the phone, that XXXX was wrong and the FHA owned my loan. ( I 'm sure it was recorded ) I wish I did n't have to deal with them. Wells Fargo chose to acquire my loan from XXXX XXXX XXXX , XXXX . I never asked to deal with them, they chose me. I purchased my home in XXXX of XXXX and XXXX of XXXX, my job claimed they did n't have the money to honor our contract and needed to negotiate a new deal. The body agreed to it so they could save jobs. I lost approximately {$400.00} a month from my income. I tried my best to stay afloat but I started to go under water very quickly. Every bill I had started to suffer. I contacted Wells Fargo to see if I could change my payment arraignments and send them partial payments for a while and they said no. They said the loan was not theirs and they could not alter the loan. They were ONLY the servicer of the loan and the FHA was the investor. I did n't want a modification at that time because I knew I would get my income back soon and I could get back on track. Well, I lost that battle XXXX XXXX, XXXX. Wells Fargo foreclosed on me. What made it worst was that they tried to push it through the courts expeditiously. Lucky for me the Magistrate said no. He knew there were programs to help me regain control of my finances. Although I took advantage of these programs, mortgage modification, Save the dream program, Hamp program, etc ...., Wells Fargo has come up with excuses to why they could n't help me. They even went as far to say that I did n't want the modification. I want to know if Wells Fargo would be considered the lender of my loan since they took over the loan. Also, does that make them the investor too or is that something totally different? Wells Fargo claims the FHA is/was the investor which is why I 'm writing this complaint. All I want is a straight answer. They already manipulated the courts, foreclosed, then bought the house at the Sheriffs sale. I just want my home back. If I have to sue Wells Fargo for that to happen, than so be it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from citi bank saying I was eligible for a credit card with 0 % for 21 months then 12.99 % after that. the invitation number was XXXX..it said i could apply on line for fast response, which i did. when i received my credit card in the mail, citi bank changed my interest rate to 22.99 %. i called citi bank and they said they would forward my complaint to the proper department and i would receive a response in about two weeks. i received the response from citi bank today in a letter dated XXXX/XXXX/15. they refused to give me the 12.99 % originally offered and accepted by me. I have not activated or used this credit card due to this issue. I consider this a bait and switch tactic that is unlawful. I want the credit card at the 12.99 % originally offered to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: After finding a negative report that was inaccurate on my Experian report I filed a dispute with them because the issue was litigated in court, it was found in my favor that the amount was paid and the insurance company had reported false information. They never contacted me to get copies of the legal documents and updated the report to say the issue met the Fair Reporting Act. I also contacted the company in question and provided ( XXXX ) and provided the court documents and they never removed it or reported back to the credit bureaus. I have been denied credit because of this issue 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is currently reporting a balance of XXXX on my credit reports. I received XXXX different notice of collection from XXXX different agencies. XXXX sold the account so they need to report a {$0.00} and also tell me who the debt ACTUALLY belongs too. I have attached documentation from each CA and my report still has the balance. They are reporting inaccurate information.. False or misleading representation of debt amount is illegal as well as unfair. If this is not resolved then I risk having XXXX different companies reporting the SAME debt ... the XXXX companies are : XXXX, XXXX XXXX and XXXX XXXX ... These practices are not fair. 

Company response: Company chooses not to provide a public response
Consumer complaint: Collection agency is harassing me over the phone. They call repeatedly, and can provide no information about the debt. They just want my personally identifiable information. The same information that can be used for identify theft. Please make them stop calling my phone. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company is calling me at all different times of the day. Here are a few samples of times they have called. 
ALLIED INTERSTA ( XXXX ) XXXX XXXX PDT Sun. XX/XX/2015ALLIED INTERSTA ( XXXX ) XXXX XXXX XXXX Sat. XX/XX/2015ALLIED INTERSTA ( XXXX ) XXXX XXXX PDT Thu. XX/XX/2015And it goes on and one. 

Company response: Company chooses not to provide a public response