AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I went online at the bank of america website to set a " travel alert '' because i was going to italy and wanted to use my atm and credit cards. Now i am XXXX and have tried atms at XXXX different banks and cant withdraw cash. I have done XXXX online chats with b of a, and they have not been able to figure out why the card wont work. they keep basically indicating there is no reason for it not to work. This is insane for a financial institution the size of b of a to mess up like this. I would have a major problem if i hadnt brought a XXXX atm card from my local bank ... it is working fine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was unemployed at the time when this debt collection attempt took place. At that time, a local agency called XXXX was providing energy assistance for my family during the winter and summer and they have been making payments to XXXX XXXX XXXX to cover my utility bills. I do n't know what went wrong and I was not notified of any issues with my energy assistance that I was receiving from XXXX. I was going through hardship due to job lost. I was receiving XXXX and other other help from the state plus XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Capital management has called me multiple times a day either speaking with me or leaving voices mails. When they have called and I picked up I told them to stop all phone call communication. If they want to talk to me to mail me information. Nope rhey continued to call leaving my personal info on my phone, on my step grandfathers phone. When they as well told them I do n't live there nor do they talk to me and please stop calling the wen harassed them. I have one of the.voice mails saved with the women 's name. I know the fcpa laws and the cfpb protection laws they have broken more than on with me. This must stop, I am looking into law suite with the company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX was paid by XXXX now they are out of business XXXX which i still have and never used have 2 collections on my credit score 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been asking XXXX and Transunion since XXXX 2015 to provide me the documentation they have on file for the items they are reporting on me. So far the credit bureaus have deleted some items and other items they say they verified are mine BUT sent me no proper documentation in fact they sent me nothing at all showing me how they proved the item was reporting correctly asnd was mine, nothing at all. I have sent all 3 credit bureaus over 5 letters asking them to show me and nothing. They are severly hurting my ability to get a house for my family. UIf they cant prove the items according and under the FCRA laws they need to remove the items. I am getting tired of the getting the run around and letters back from them with nothing. In fact TransUnion put a freeze on my account which I never asked them to do and when I contested it they sent me a form asking for several pieces of identification that I am NOT going to provide I want them items removed and the freeze removed. I also want to know how I can go after the credit reporting agency legally in court, can you help me please. It should n't take 6 months to get some action. 

Thanks- 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir or Madam : I have confirmation that there was the transaction that between my Checking account ending number in XXXX to the Citibusiness Checking account in the name on XXXX XXXX XXXX XXXX XXXX at XXXX XXXX Branch on XXXX XXXX XXXX. The fund amount was {$50000.00}. However, I have not known the company, XXXX XXXX XXXX XXXX, until I have received the letter from your XXXX, TX, on XXXX XXXX. And I had not received the Personal Loan agreement until I have received the letter from XXXX on XXXX XXXX. In fact, I have a heavy XXXX and I have the Certificate from XXXX agency, and I have received a medication at XXXX medical center, XXXX XXXX ( XXXX ), from XXXX XXXX, XXXX to XXXX XXXX, XXXX. In addition, I have been hospitalized at XXXX XXXX Hospital ( XXXX ) from XXXX XXXX, XXXX to XXXX XXXX, XXXX. And now, I have hospitalized at XXXX XXXX Hospital, XXXX ( XXXX ), from XXXX XXXX, XXXX to XXXX XXXX. My heavy XXXX XXXX was known by many people include XXXX XXXX XXXX of XXXX XXXX XXXX XXXX and the teller. 

I thought your teller, XXXX XXXX XXXX, and XXXX XXXX are friend and XXXX XXXX was a long-standing customer for XXXX XXXX at the time, XXXX XXXX XXXX. I had been called from XXXX XXXX many times and he said that XXXX can make new Business Loan because of my Credit Score and my fund at Citibank and he said that the teller talk XXXX XXXX can make new Business Loan with staying with XXXX. I visit your branch though I did not want to go to your branch. I felt to have already agreed new Business Loan between XXXX XXXX and XXXX XXXX before I visit to your branch. Therefore, I have not explained my personal loan, new CD account, and the transaction for the world. In fact my personal loan for XXXX XXXX 's Business Loan and the transaction had been made within just only five minutes. I think that I could not understand them due to my heavy XXXX XXXX even if they would explain me about them. In addition, I had not received the agreement of the loan and any documents at your branch. These processes were finished for just only five minutes. I have not used PIN code of my Bank card at your branch, I do not know XXXX XXXX 's mailing address, and his company. And I am not friend with XXXX XXXX though XXXX XXXX said XXXX XXXX is a friend with me. There is a possibility of discrimination of XXXX. It would be very big problem if the branch could discriminate my heavy XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Harassing phone calls for XXXX years. I do not owe any money to anyone, this was always a mistake. Told them by phone. Sent them a letter through their organization. Reported them to XXXX. Notified the Attorney General of Virginia. They have called at XXXX on Sunday morning, all hours day and night. It stopped in 2011 after the attorney general notified them to stop. Recently it has started again and I want it stopped before I explode. I am XXXX vet with XXXX and need to have the harassment stop. It is insane that someone who 's paid every bill over his lifetime should be bothered by XXXX like this at age XXXX. The company, Allied Interstate, is obviously run by incompetents and or psychopaths 

Company response: Company chooses not to provide a public response
Consumer complaint: I dispute this being on mycredit report, due to I wasmiss lead at the time thishappen. They lied to meand have treated meunfairly ever since. I triedto make payments andthey were charging memore interest than Icould pay. In 2011 I fileda complaint with XXXX XXXX Complaint # XXXX. Please removethis from my credit reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: experian credit reportXXXX XXXX status showing XXXXand showing foreclosure proceeding started status should be : included in chapter XXXX bankruptcy XXXX balance ( unrated ) 

Company response: Company chooses not to provide a public response
Consumer complaint: There was n't a category that matched this and it 's more I 'm considering legal action. 

I have been trying to contact Gatestone about a debt I have that got transferred to them. The numbers provided go to voicemail only and voicemails do not get answered. I checked my credit report and the account with the original debtor is showing that I have n't paid since 2013, but I have been making regular payments. I also need them to acknowledge that this is the last month for a payment 

Company response: Company chooses not to provide a public response
Consumer complaint: I have asked Experian for 6 months to verify my information that 's reporting or delete the items I questioned. In the last 6 months after several letters asking in fact begging for them to follow the law they have repeatedly ignored my request. I am not happy. I have attached the string of letters they have been unresponsive to. I need to buy a house and this is severely affecting my outcome. 

Company response: Company chooses not to provide a public response
Consumer complaint: I phoned Experian on XXXX XXXX to have them fix incorrect addresses on my credit report. 
There is only one correct address that should be reporting and that is XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXThey did not allow me to open a dispute of wrong information being reported on my credit report. 

The F.C.R.A deems me the right to dispute incomplete or inaccurate information on my report. Credit reporting agencies must delete inaccurate, incomplete or unverifiable information. My creditors have reported my address as XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXThis is the only verifiable and true address. All other unverifiable information must be deleted according to the F.C.R.A. False information has been used in identity theft of myself in the past. I work hard to keep that from happening again. In light of all the repeated data breaches I would expect a Credit Reporting Agency to be at the forefront of protecting consumers personal information and make it more difficult for thieves by only reporting accurate info. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am continuously being hounded, because of a debt that I 've proven to be brought on by identity theft, and therefore invalid. This time, a different collection agency is looking to collect. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: My SunTrust HELOC was going into repayment. I received multiple notices and phone calls informing me of my options to extend my repayment up to XXXX years at about 4.75 % .. At XXXX point about three months ago I had asked what the interest would be on repayment of the existing loan and they told me over 5 %. So I spent time looking into other HELOC options or rolling it into a refinance of my home. 

Finally SunTrust sent an agreement by XXXX to be signed for a XXXX year HELOC extension. I called to ask about the offer and I asked again what the interest would be on repayment of the existing HELOC. They said they did n't have that information and I would have to check my HELOC agreement. After trying to push the 20 year HELOC for a few more minutes I told them it was strange that they do n't know the interest for my existing loan and I ca n't make a decision on moving forward with a new HELOC without that information. They then gave me another phone number and at this number they informed me that the payback interest is only prime ( about 3.25 % ). 
There was a carefully laid plan to deceive me and push me to sign a longer term loan at a higher interest rate. This is clearly unethical practice and should be stopped immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: After speaking with an agent and telling them when I could make a payment, I received XXXX calls a day starting from XXXX to XXXX every day since the call. When they call and I pick up, there is no one on the other end and it hangs up. I understand if I paid my bill on time I would not have this problem but I have been in XXXX accidents and have had my identity stolen and am trying. I feel this practice MUST stop because it affects everyone in my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by my current Mortgage lender Freedom Mortgage Lender NMLS ID : XXXX to do a refiance to lower my rate. I proceeded with the transaction and closed on XXXX/XXXX/2015. After the XXXX day right to recind period on XXXX XXXX 2015 the new loan was signed and funded. As of today XXXX XXXX 2015 Freedom Mortgage has not paid off my old loan with them and have now requested I pay them money to do so! 

Company response: Company chooses not to provide a public response
Consumer complaint: experianXXXXXXXXXXXX XXXXstatus showing : collection/charge off ( should be unknown ) debt was included in chapter XXXX bankruptcy filed XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Fradulent credit inquiry on my credit report. I have called several times and told that this fradulent inquiry would be removed. It has not been removed from my credit reports. I did not authorize this inquiry and need it removed immediately 

Company response: Company chooses not to provide a public response
Consumer complaint: I never had any credit cards opened in my name!!!! Someone opened XXXX in my name because it is showing on my credit report!!! I want to dispute this!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX # XXXX and XXXX # XXXX are not mine due to identity theft. I have reported this information too credit reporting companies and STILL not off my record with them or court. I filed information with XXXX and again court and credit reporting companies have NOT removed this information on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. My school location was XXXX College, XXXX XXXX. I still receive letters from them. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: The credit reporting agencies are in complete control of our personal business lives, yet they have no accountability, no customer service, etc. Esperian is the worst of XXXX. I try to get them to update my report and I talk to someone in XXXX. This economy is based upon consumerism. It should be easier to update credit reports! 

Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Last week I was victim of a vacation rental scam. After inquiring about the rental property being available on the XXXX weekend, I was told by the renter to submit a check for {$1000.00} to an account number he provided via email. On XXXX XXXX I brought the check to Bank of America to submit the deposit. I was informed at the time that the account was new and that {$850.00} would be available to the renter on XXXX XXXX. After returning home from the bank, I sent an email to the renter to notify that the check was deposited. On XXXX XXXX I received word from the renter that he had seen the deposit. I then requested a receipt and phone number but did not receive either XXXX. Later that day I had my son get on the XXXX website where I found the rental. He inquired about the property and received an email that it was available on the exact dates I just paid for. This obviously was a vacation rental scam. The next day I went back to Bank of America and told my situation to a customer service representative and he contacted their fraud department with all the information I had that included the contract, deposit receipts and website information. Since it was obvious that the rental was a scam, I asked that the check be placed on hold. Remember that {$850.00} was not going to available until XXXX which would give ample time for the fraud department to act upon the scam. Bank of America DID ABSOLUTELY NOTHING! They allowed the check to go through and I 'm now out of {$1000.00}. Because of this incompetence I have had to spend hours closing my checking account, filing a police report, contacting sure pay accounts, filing a scam report and spending time talking to your representative. Why have a fraud department if they 're not going to do anything? 

Company response: Company chooses not to provide a public response
Consumer complaint: I am submitting a complaint in regards to my personal checking account with US Bank. My account was overdrawn twice between the dates of XX/XX/XXXX. I made a deposit on XXXX XXXX and the balance in my checking did not appear as more XXXX on that date and nor did the daily text alert on my phone registered as my account being overdrawn more than XXXX. The following Monday on XXXX XXXX I check my account it seen it was overdrawn by XXXX and I check the transaction and notice the discrepancy. I contact to US Bank and spoke to a representative I which he refuse to waive the overdraft fees stating it was valid. When I explain to him I was not given the correct balance information from the ATM machine and daily text alert. He informed the text alert is not real time information but up until that date every representative assure me it was. I encounter this same problem back in XXXX of this same year, and when I went into a branch a banker waive the fee once I show him the information I have received as far as account balance. The representative informed me to go into branch for farther assistance. I went into a branch located in the downtown area of XXXX, Il. I spoke with a Branch Manager after XXXX minutes of digging through my account and asking me various questions that did have not anything to do with the issue I present to her refuse the waive the fees due to the discrepancy and through to admit it was a valid discrepancy. She proceed to tried to sell me a line of credit and than a secure credit card, which I found to be distasteful at the least. I think it was unfair not to waive the XXXX overdraft fees and especially after the branch manager herself stated it was a valid discrepancy but stated if they refuse to do it over the phone I am not doing it neither because you had XXXX in overdraft fees waive within a year which I know to be untrue. I had to file a fraudulent claim in XX/XX/XXXX and still have the documentation to support it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a mistake and asked for a refinance on my condo. I got a prompt reply by phone and began the process. After agreeing on rates, 15 years fixed. I was asked to fill out a form which I had to print and send back. Before I could print the form I received a request for copies of paper documents. I now realize that this could go on for ever. I have sent Ameri-save an email canceling the process. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX, 2015Institution Name : U.S. Bank ( XXXX Office ) Account/Product Type : Checking/SavingAddress : XXXX XXXX XXXX XXXX XXXX, IL XXXXU.S. Bank has been defrauding me. U.S. Bank began showing different account balances than what was actually in my account and causing me to write checks, withdraw money and incur over-draft fees because the balance that the bank would show ( after all withdrawals ) was not accurate. I began to notice that this was a pattern and had been going on for approximately XXXX-months so I closed my accounts with U.S. Bank and opened a checking account with another bank in XXXX, 2015. I notified Social Security and U.S. Bank well in advance. U.S. Bank received my check from the social security office on XXXX/XXXX/15 and is holding my check. As of today, the only check that has deposited into my new bank account is my XXXX/XXXX/15 check. Last month I notified Social Security that U.S. Bank is holding my check. As, per the Social Security Administration ( XXXX Office ), U.S. Bank is to return my check to them. Apparently, U.S. Bank is still holding my check. People on fixed income need their checks. I went over a month without a check because of U.S. Bank! This caused me to incur major setbacks, and I still do not have my XXXX check. I want an investigation into U.S. Bank, I want my check, I want U.S. Bank to cover all expenses incurred by me, and I do not want any further communication from U.S. Bank 

Company response: Company chooses not to provide a public response
Consumer complaint: EXPERIANXXXX/XXXXaccount showing collection/chargeoff ( should be unknown ) account was included in chapter XXXX bankruptcy filed XX/XX/2015 

Company response: Company chooses not to provide a public response
Consumer complaint: Select Portfolio Servicing is attempting to alter the original terms of the mortgage. 
i currently have a {$10000.00} home insurance deductible and SPS is requiring that I rework the insurance policy to lower the deductible to {$5000.00}. The {$10000.00} deductible also covers all contents within the home. The current assessed value of my home is {$970000.00} but the mortgage balance is {$400000.00}. 
This mortgage originated 10 years ago and met all insurance requirements. mortgage was bought and sold several times. SPS is the only company requiring I alter my insurance policy. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage company, Gateway Mortgage Group, double charged me, same amount on XXXX XXXX and XXXX XXXX, XX/XX/XXXXI contacted Gateway, they acknowledged that they double charged me and promised to refund me no later than XXXX XXXX, but they failed to do so. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: The following information is incorrect and is recorded on my Trans Union Credit report - several years ago ts same report had shown up on my XXXX Credit Report and I sent an online dispute and the item was removed - showed same amt and creditor but had an open date of XX/XX/XXXX and an address was a rental property in XXXX I owned XXXX years ago. I have tried to call XXXX and no answer - just loops - and I have written with no response. Tis is NOT my account -- and info is over XXXX years old!! HELP. XXXX XXXX XXXXAccount DetailsLast ReportedXX/XX/XXXXCollection AgencyXXXX XXXX Original CreditorXXXX XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed DateResponsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Placed for collectionCreditor Contact DetailsXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXSee something wrong? 
Learn more about how to dispute 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/2014 XXXX sent me a letter stating : Dear estate of ( my name ). The letter did not give me my mini-miranda rights nor did their letter state they they were a debt collector. 

I disputed the debt in a letter dated XX/XX/2014 and requested that they conduct an investigation and to send me the results. 

On XX/XX/2014 I received another collection letter from them with out receiving results of the investigation of my dispute on the alleged debt. The collection letter attempted to collect {$12000.00} and then it also stated to me : " You personally are not required to pay any of the debts from the estate. '' What estate if I am still alive and the the letter was sent addressed to me! 

XXXX Violated the FDCPA and the Texas Finance Code. 

Company response: Company chooses not to provide a public response
Consumer complaint: I assume this is a energy company. Not sure what state it is in but I have never has service with XXXX energy. I was living in Ga at the time they reported the service and I do not believe this company services the Ga area. 

Company response: Company chooses not to provide a public response
Consumer complaint: experianXXXX XXXXaccount showing a balance of {$5000.00} ( should be XXXX ) account showing collection/charge off ( should be unknown ) account was included in chapter XXXX bankruptcy filed XX/XX/2015 

Company response: Company chooses not to provide a public response