AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have purchased a home with my ex husband the loan is in his name only and I 'm on the deed to the house we divorced in XX/XX/XXXX I have resided at the property and have been paying on his mortgage to stay here the payments got behind I paid the bank {$1000.00} in XX/XX/XXXX and been making the payments the mortgage company is refusing my payment because its behind and no payment plan was set up now I 'm disputing with the mortgage company to get all my refund that legally I 'm not responsible for and now they are foreclosing on the house and trying to put me out 

Company response: Company chooses not to provide a public response
Consumer complaint: I live on the west coast. SunTrust bank repeatedly calls me ( multiple times per day ) before XXXX. This morning they 've called me twice. Once at XXXX and once at XXXX. Surely thy ca n't wake me up like this. I have to work. I 've told them for years to stop. They said it 's automated and there 's nothing they can do. How is that legal? They 've harassed me this way for years. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX old baby and are calling at outside hours after XXXX and contacting family members at XXXX. bill was paid!! This is inexcusable!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On reviewing my TRANSUNION credit report, I discovered that XXXX XXXX Delaware had initiated an fraudulent inquiry on XXXX/XXXX/2015 into my credit report without my written authorization. This breach is in violation of my privacy Act, where it is evident that employees of XXXX XXXX Delaware unilaterally made unauthorized inquiry into my credit profile. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a new XXXX laptop on XXXX/XXXX/2015 for {$1000.00} ( before tax ). I used my CITI card. It has a warranty extension benefit that comes with the card that doubles the length of the manufacturers warranty. I opened a claim and sent in the required documentation. One of the things the claims package requested was an estimate for repair from the manufacturer. I had a manager at the service department of XXXX send me an email estimating the cost of repair and sent it in with the claim package. CITI 's claims department denied the claim on the basis that the estimate I sent in was not itemized. I informed them that XXXX was unable to give me an itemized estimate until I sent in the laptop ( which requires I pay the {$210.00} they estimated for the repair ). So Citi is unwilling to pay the claim without an estimate for the repair and I can not get an estimate until Citi pays the claim. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have rented a car XXXX and paid the rental amount with my credit card. After that, i have received almost {$1500.00} bill from the same car rental company for damages to the car which i was not agreed. The rental car company had forged my signature on a paper to charge my credit card and bank of america has denied my dispute even thought the signature for forged ... 

Company response: Company chooses not to provide a public response
Consumer complaint: I have derogatory mark on my file from XXXX XXXX. I called and got a pay off amount a good while ago and paid it off and suddenly they say I owe $ $ XXXX-If I were paying them off why would I not pay {$2300.00}? This is an error and I want it removed from all XXXX credit bureaus as paid in full. Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: In late XXXX, I travelled to XXXX to attend a conference and speak to college students about XXXX. In so doing, I left my debit card at the hotel for their file. Upon leaving -- a week later -- the hotel charged the wrong card ( mine ), as opposed to the university card. The charges appeared on the XXXX and were put in process to be reversed the same day. I requested a receipt on the XXXX, which will be attached. The hotel charge was fully refunded by the XXXX. I contacted Bank of America to make sure I would not receive overdraft fees on the XXXX. They were to make a note of it. Instead, I received XXXX overdraft fees on the XXXX -- stemming from the original charge and subsequent fees -- totally {$100.00}. I just got off the phone with them and, after going through other personal account business, they told me they could not deal with the overdrafts because they could no longer confirm my identity. I then repeated my name, as appearing on the website, and the teller in deposits XXXX, apologized and placed me on hold. He said there was no record of the overdrafts, and I expressed concern that he could see hte record I was seeing via my statement ( attached ). He then said I my name was incorrect and I could not be helped via phone. Apparently it does n't match the name on their file -- however, this was not the case a week ago, and my information on the online banking matches exactly what my name is, and how I said it, and how it appears on my card. It seems that they were able to handle all questions and business about my account except my fee reversal request. They are now telling me to go into a floor office to confirm my identity in their files and handle the overdraft. However, these offices do not handle overdraft fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: When we opened the business account XXXX we were told that there would be no fees associated with the accounts. The remote checking and the fee for having the account would be complimentary XXXX. However, we were assessed fees on the XXXX account every month. When I brought the fees up, the Citibank representative XXXX XXXX XXXX told us she would address it, but never did. Apparently, she left Citibank XXXX XXXX XXXX for another branch. I have talked and emailed XXXX XXXX, the manager at the XXXX XXXX XXXX branch, many times and received no resolution. 
I have gone physically to XXXX branches ( XXXX, XXXX XXXX, XXXX XXXX XXXX, spoke to multiple individuals over the phone and spoke multiple times on the citibusiness hotline XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, but received no resolution. I have multiple emails of me following up XXXX 
All the representatives from other branches have told me to go back to Citibank XXXX XXXX XXXX, which is where we opened the account but I am not located in that area. In XX/XX/XXXX2014, when I went to Citibank XXXX told me that I should be able to resolve the issues at any Citibank I walk into since it should not have to be a home branch. They made multiple attempts to resolve this from what XXXX told me, but XXXX XXXX and the XXXX XXXX XXXX district never followed up. It was not until XXXX/XXXX/2014 when I followed up with closing the account that XXXX XXXX made an effort and stopped the fees from incurring. 

I have spoke to XXXX XXXX, the district manager, on XXXX/XXXX/2014, who told me that it is my fault for not bringing up the fees with the accounts within a 3 month time frame. 
I work full time XXXX and help out my mother XXXX. I do n't have time to pursue this issue full time. It has been incredibly frustrating to have to go through so many individuals at Citibank and receive no resolution at all. My impression is that it is easier for Citibank not to reach any resolution in order to continue incurring fees onto the account. A resolution to stop future fees was finally made on XXXX/XXXX/2014 when I told XXXX XXXX via email when I asked for the account to be closed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Mortgage account XXXX and XXXX XXXX XXXX, 2015, Wells Fargo paid my property taxes, XXXX borough XXXX, block XXXX and lot XXXX and established an escrow account. This was done in error since I was not delinquent on my taxes. The payment by Wells Fargo created a credit on my property tax account and there ensued months of attempting to reconcile this error. I contacted the XXXX XXXX Department, XXXX XXXX, and confirmed there was now a credit on my account for {$970.00} since I paid and Wells Fargo paid the same bill. I contacted Wells Fargo and was told I had to pay back Wells Fargo the amount they sent to the Tax Dept. in order to get the escrow account deleted ; I sent Wells Fargo a check, as directed by XXXX XXXX, Mortgage Specialist at Wells Fargo, in the amount of {$1300.00} plus was told Wells Fargo filed a refund request with XXXX in the amount of {$970.00}. I was told once the city refunded Wells Fargo, the escrow would be deleted and I could resume property tax payments on my own. My last contact with XXXX XXXX was XXXX and he confirmed that the refund to Wells Fargo was processed by the XXXX XXXX and there was no longer a credit on my account. Here it is XXXX, and we are starting all over again : Wells Fargo paid my XXXX to XXXX 2015 tax bill and now are telling me that I am delinquent in my mortgage payments for XXXX and XXXX since the payments I sent could not be credited since there was an outstanding escrow balance. I have never been late with my mortgage payments but because there exists an outstanding escrow account, Wells Fargo will not properly credited my payments to my mortgage account, and are now considering me delinquent. I am now getting harassing calls for payment and XXXX XXXX has not answered my emails or my calls for over a month. I am sick over this since I fear my credit will be affected and quite honestly, I do n't know what to do. Every time I get correspondence from XXXX XXXX, the amount I have to pay them to satisfy the escrow changes. I am completely confused and feel I am in a nightmare of error that can not be resolved. 

I am in desperate need of assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX 2015 - I attempted to pay my Macy 's acct online various times prior to my due date, their online system was n't working. I called to make payment over the phone and an associate informed me their payment system was n't working due to maintenance but to make my XX/XX/XXXX payment in XX/XX/XXXX along with XX/XX/XXXX payment and that I could continue to use my credit card and there should n't be a late fee, but if one was assessed they would remove it. 
XXXX 2015 - I received my Macy 's bill that included a late for XXXX. Prior to paying the bill I attempted to call Macy 's about the late fee issue at the phone number in my contacts, the phone numbers on their website, but none of them worked. I even emailed them using their online link, and still have not received a response. So I made a {$70.00} payment that did not cover the late fee since it is a Macy 's error. 
XXXX 2015 - today I spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX XXXX removed the late fees from XX/XX/XXXX & XX/XX/XXXX. However, the minimum due {$79.00} is incorrect as it still includes late fees. XXXX XXXX informed me that I HAVE to pay the incorrect minimum due for XX/XX/XXXX {$79.00} ( which is incorrect due to {$38.00} late fee and {$11.00} portion of the XX/XX/XXXX late fee ). And that if I do not pay the minimum {$79.00} I will be assessed another late fee which Macy 's will not remove. The minimum payment due is incorrect and I am being forced to pay for Macy 's billing error upfront. I was on the telephone for over 1.5 hours when I could have been at work. The associates did not care that Macy 's was at fault and when I asked XXXX XXXX what my minimum payment should be because that 's the amount I want to pay, she wanted to know why I could n't make a {$79.00} payment and what my hardship was because she looked up my payment history and could see that I had made a large payment recently and because of payments like that {$79.00} should n't be an issue now. I do not want this incident to be reported negatively to the credit bureaus. 

Please assist me in getting this matter rectified. 

Regards, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am disputing the charge from, XXXX Business, my credit report, shows i owe, {$1000.00}. i have never received a bill from them and and I was and i am om XXXX and medic care, I have never had any bills. to pay for any services from XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a checking account on XXXX/XXXX/2015, and moved to a new state shortly after. Citibankaccepted my initial deposit of {$8800.00} into the account via a transaction over the phone. To date, I am unable to access my account, or use my debit card as I have not received my PIN number ( despite having mail forwarding, and receiving my ATM card ). Upon calling Citibank representatives they refuse to allow me access to my account in any way. I have had my ATM card and PIN number sent back to me TWICE. I have only ever received an ATM card ( with noPIN ). Additionally, I can not access my account in any way due to the lack of ATM/PINverification. The wonderfully brilliant powers at Citibank decided that an ATM card and PINcombo is the only way to verify identity ... even though they accepted an initial deposit from this very same unverified identity. It is XXXX/XXXX/2015, and I have NO ACCESS to my funds. I have no checks, no usable ATM card, no online access, and no other access to the funds in my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and XXXX do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The first time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a foreclosure in 2011 and this loan was a second on the the original mortgage that is still reporting as if it has a balance of XXXX and should have been part of the foreclosure or at least show a XXXX balance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2014 I purchased a home. My spouse called XXXX and asked to be turned off on XXXX XXXX, 2014. However the gas company did not show record of this and billed for XXXX which I went back and forth with them about. 

They have sent it to a collection agency and I offered to pay in full to get it removed from my credit report even though I did not live at the address any longer and whoever does or did live there used my gas or name. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX, my husband and I purchased a motor home financed by Bank of the West in California. For six years we diligently made the {$610.00} a month payment, totaling about {$46000.00} on the {$70000.00} loan. The interest rate was very high at the time. As we increasingly felt the effect of the XX/XX/2008 crisis and we lost a lot of income, we could no longer afford those payments. We prevailed on Bank of the West to refinance our loan. They told us they would not even consider it because we were current in our payments -- we needed to be at least 90 days in arrears. So we let our payments lapse and used the money to make other financial obligations. Then they said they would not refinance the loan : bottom line they repossessed our motor home. They sold it at auction for {$20000.00} despite the fact that we had found a buyer for {$30000.00} who they refused to consider. Then they told us we owed them {$50000.00}. They would n't even take into consideration the money already paid over a six year period. They set us up on a payment plan of {$150.00} a month. Fast forward three years : we have been making payments religiously, and have paid down {$5000.00}, but they report us to the credit bureaus ( I have written XXXX, XXXX and XXXX but I have not heard anything ) as though we are always 30 days late when we are not. 
As time has gone on, our fixed income Social Security has not gone up, but everything else has. Our payments on our medical supplements have increased substantially, along with taxes, insurance and life insurance premiums. Utility bills are continuing to rise, and we can no longer afford the mortgage payments on our house. We can not refinance our house because of the bad credit report from Bank of the West, and now two other things are happening as a result of Bank of the West : 1 ) Our homeowners insurance is going to double XX/XX/XXXX {$1300.00} because we no longer have an XXXX credit rating, and 2 ) XXXX XXXX is going to close our credit cards despite the fact that we have never abused them, which will hurt our credit even further. We are in our XXXX, and within a few months will be in danger of losing our house. I called Bank of the West and asked if they would consider a lower than {$150.00} a month asset recovery payment -- they said they would not. I asked them if they would please report our credit in a better way to let creditors know that we are paying on time and they said they " have the right to report our credit any way they want to. '' This repossession is the only " bad '' mark we have ever had on our credit in all our adult life. We are at wits end as to what to do. Bank of the West says they will take everything we have. Bankruptcy is n't an option to us. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2015, Bank of America wrote me to state they paid a XXXX insurance policy To XXXX with my escrow money and I might not have enough escrow funds. I do n't have XXXX XXXX. I have used XXXX XXXX for the 10 years since I owned this house. I called, they admitted paid someone else 's policy with my money. BUT they will not pay me back the money until XXXX repays them AND it has my name on the check. Why would XXXX have my name!! I call often, can never speak to a supervisor. I am told each time 7 to 10 days I will have the money back. It has been over 7 months with no resolution. NOW they have just increased my monthly mortgage payment by {$220.00} to cover their mistake! Bank of America has taken no responsibility for their error. They readily admit it is their error. HELP. 
They admit the paid the insurance for some other home with the same street address in some other city and state. When you place a street address in XXXX maps you can find TONS of addresses in different cities and different states with the same street address. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern, Our family was offered a USDA loan modification from Wells Fargo which began on XXXX XXXX, 2015. The offer required a down payment of {$1400.00} to be made by the date of XXXX XXXX, 2015 in order to accept the offer. In addition to having made the initial payment and consequently completing an extra payment of {$1400.00}, XX/XX/XXXX ; we have still not received our permanent loan modification. 

Our relationship agent XXXX XXXX has not retuned any of our calls since XXXX XXXX, 2015 and we feel that the final adjustments to our account have not been made. We are also concerned that Wells Fargo is in some way attempting not offer us the permanent loan modification and place our account back into default. 
*See Exhibit A -XXXX- USDA Loan Modification OfferOur escrow account is also a major concern as well. Due to my XXXX status as well as limited earning potential I 've been fortunate enough to be granted a property tax exemption. This exemption enables our family to be charged no more than {$380.00} for city taxes rather than {$1900.00}, no matter if the taxes go up. Wells Fargo has been made aware that these adjustments are to be made to my escrow account and have refused to dos so. These extra costs being charged to my escrow account have placed additional burden on our family to make payments for our mortgage. 

*See Exhibit B -XXXX Tax Proof of Exemption documentWe feel as though our family is getting the run around and we are seeking intervention from your offices. Wells Fargo is not keeping a transparent process and is abusing us by not adjusting a large negative balance to our escrow, even after receiving proof of the exemption via fax. 

No one is returning our calls regarding this matter and we 're entering into month # 3 and no adjustments have been made as discussed with XXXX XXXX on XXXX XXXX, 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: after being denied a home loan i pulled a credit report, and found this collection. I was not informed of my right to dispute allowed to set up payments or informed before added to credit report. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I applied for assistance on my home loan on XXXX of 2015. Since I submitted my request for review, I have been assigned XXXX representatives, I was sent letters of any missing documents, in which I returned all items as requested. I was contacted in XXXX of 2015 and advised that I had been approved for the Hamp Trial Program. I did not agree with the offer, since the payments were still too high for my fixed income. I requested an appeal on XXXX XXXX, and no response has been provided. On XXXX XXXX, 2015, I received a letter from Wells Fargo dated, XXXX XXXX, 2015, stating that my payment would increase from {$560.00} to {$1000.00} a month, effective XXXX XXXX, 2015. No explanation was given to as why there was an increase or at least a 30 day notice. When I spoke to the representative at Wells Fargo, she was unable to advise to why the increase and unable to provide status of appeal. In addition, prior to starting the review, I set up an escrow account for taxes and insurance and I was told by the representative that I could cancel in the event the hamp program was not accepted. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was in California for a summer program, and I got my account closed because I did not reply a letter with some security questions. 
But I check with the bank and this letter was returned to the bank, once I was not in XXXX, so I never had an opportunity to reply it. 
I called the bank and I ask to receive this letter and reopen my account on my new address in California, but the letter did not arrived. 
The only way I could get my money back, was to returning to XXXX. But I was studying in California so I could not come back. 
I am a XXXX student from XXXX, XXXX is in a huge crises and my family could not send me more money at that time. 
I got a lot of problems due this closed account, so I had to borrow money to stay there and finish my XXXX XXXX. 
Also I had to cancel a planned trip with my friends, it was very inconvenient and abusive. 

Company response: Company believes it acted appropriately as authorized by contract or law