AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX, 2015 log on into Navy Federal Credit Union and found out that they withdrew {$29.00} from my account and they did inform me what check was returned and for amount just return fee then I ask the representative why was n't it indicate on line she stated that do not do post it online they just send notice via United States Postal Service I thought that all transaction should be viewed online and statement they accused me of bounced check they pay via bill pay and they indicate it paid but they indicated if something was not paid they also charge me fee and taken me out of over draft protection which cause the check to be return and which cause me return check fee to XXXX Furniture and Sales I never opt out they have been commending so much fraud I would like them to investigate all banking product and services to ensure proper use of the services are being apply if any Fraud is found all individuals involved should be convicted according to United States Federal Law 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am filing a complaint since Transunion has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over 30 day and since they can not verify, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter ASAP. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, I purchased a home through a third party lender. The loan was purchased by Bank of America. Bank of America foreclosed on the property in XXXX XXXX, but continued to show late payments on the mortgage until XXXX of XXXX on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: My son has a property and has a very high interest rate. He is working XXXX. I have Power of Attorney for all his business. We decided to refinance since he would receive notices in the mail from Bank of America or when I would make his payments the tellers would remind me about that. We started the process in early XXXX of this year and by the end of XXXX we were supposed to close. They just needed a verification of employment for him. All we had was the address that on his paystubs, but I was able to get a number for someone in Texas. They were the hardest people to work with as I would call or email and not hear for days from them. 
Well, the straw that finally broke the camels back was when I called the person who was in charge of his file and she told me that she could no longer help us because of the job verification situation. She told me to call another person, I called him on a Friday and had to leave a message. On Monday afternoon I called and his voicemail stated he was on vacation, and his voicemail gave me someone else 's number to call. I did that and got the same voicemail and to call another person, I called that person and the same thing. Everyone was out of the office on vacation and would n't be back for a week. I do n't know how but i finally received an email from someone stating that they were sorry that they could n't help us and they had closed the file. 
My biggest gripe is " did anyone call the number I provided to verify his employment '' or did someone just drop the ball. 
My son has paid his mortgage payment on time and has great credit scores. He wants to refinance since he ca n't sell due to the fact that the home 's resale value is less than what he owes. 
Can you provide me with the contact number where I can file for the Bank of America vs DOJ suit where people have been helped by receiving lower interest rates or payoff assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attended XXXX XXXX, a XXXX XXXX, in XXXX XXXX, MI. The school has since closed down, no longer offering the " lifetime '' job placement assistance. Nor were they honest about job placement rates as evidenced by my own classmates. I feel that they misrepresented themselves and it was false information that impacted my decision to attend. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Experian refuses to allow me to dispute information regarding inquiries. Since it 's easy to take someone 's personal information, match it to an application and leave the inquiry as-is, they have repeatedly refused to remove the inquiries I have enclosed ( I circled them ) and refuses to request the companies in question supply an original application, which is FCRA mandated. 
Moreover, they refused to let me dispute XXXX/XXXX when the items and information reported have never been proven as mine, or proven accurate. 
I have the right to request a written copy of the process used to determine the information on my report is accurate as shown. So I am doing so. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ever since the origination of this mortgage, US Bank has refused to recognize the XXXX XXXX Homeowners insurance we purchase every year to satisfy the requirements of the mortgage. They continue to add their own policy to the mortgage even though we have provided the bank with proof of coverage. On occasion, they will apologize and give us a credit, but the next year we start all over with the bank adding yet another policy to the mortgage. This has been going on for 5 years. 
Different officers at the bank assure us the problem will be corrected and they will call us back. Never happens. At this point we have no idea how much the bank has added to the mortgage. 
Recently I received a letter informing me the bank was reporting late payments to the credit bureau. 
This mortgage does not have an escrow account, so we purchase insurance, pay taxes, etc., directly. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America froze my loan. They, the home equity line of credit division, told me that my house had lost equity. Therefor they had to freeze my loan. I got comps showing that my house had increased in equity. Then they said that my credit report was not good. I got copies. They admitted to me and to XXXX, loan officer at Bank of America, XXXX XXXX, California, that my credit was good. And it is. Then I received a notice saying that I had material changes in my financial circumstances and they would have to freeze the loan. This, freezing my loan, took place in XXXX, XXXX and has continued since. 
I asked to see a signed copy of my contract. They do not have one. They have stalled on this now for nine months. I had insurance should I not be able to pay my loan. They said I had cancelled it. I asked for a signed copy of such a cancellation. They do n't have one of course. 
They have also claimed that they had to freeze my loan because of liens. Those liens were on my home since XXXX, well before I established the line of credit. 
I have continued making payments, have asked for proof. Every conversation I have with them tells me that they intend to take my house and they will listen to nothing. Here 's the thing : The comps say that my house is valued at {$230.00}, I currently owe only {$22000.00}. My realtor, as I have my house up for sale, represents bank of America with foreclosures in my area. She claims she has seen B of A do this same scam with others. 
So ... I had arranged to leave the last {$3000.00} untouched and use for payments. The bank has put unnatural pressure on me by freezing my loan. 
So what happened next.? First they charge me late fees when there are n't any. ( I have made sure XXXX XXXX B of A monitors all my payments now. ) They have raised the amount of pay back to XXXX rather than XXXX or 31 days three months in a row. XXXX has practically yelled at them over the phone telling them they ca n't do that. XXXX XXXX used to work in B o A loan department. ) An employee in the department confided to me that they should n't be doing this to me. Her name is XXXX. XXXX I had a recording. XXXX, XXXX of B o A XXXX XXXX fought for me. Just retired. He thought what they were doing was ridiculous. 
Next I get a letter from B of A saying that my loan expires on XXXX, XXXX and I will either have to pay back loan in full or I will be paying much larger payments per month. This last loan began in XXXX. And already I have to pay it back in large sums. 

My issues are XXXX those listed at the bottom of this page : Making payments, signing agreement, problems when you are unable to pay.. 

Company response: Company chooses not to provide a public response
Consumer complaint: We purchased a home that was being built. We took a loan from US Bank for the full amount of the construction but the lien was placed against our commercial dental office building instead of the new home. When the construction was completed we paid off the bulk of the loan with proceeds from the home we sold and then took a mortgage out on the balance from another bank. The loan was paid off in full on XXXX XXXX, 2015. Since that time, we have been trying to get US Bank to release the lien on our property. They keep assuring us that the release documents have been sent to our county recorders office. To date, the recorders office has not received anything from US Bank. In fact, the recorders office states that US Bank has placed XXXX liens on the property, both for the full amount of the original loan, which was {$500000.00}. US Bank says that the recorders office gave them inaccurate information which resulted in the second lien, but the recorders office denies it. Regardless of that, it now appears as if we have liens totaling {$1000000.00} against our office building which is paid for in full. Our numerous efforts to resolve this issue with US Bank have been without results. We have contacted the mortgage department, which is in a different state, and been informed that the release department will take care of this matter and be in touch with us immediately, but nothing has been done, nor have they contacted us as promised. They refuse to let us talk to anyone in the release department, or any sort of supervisor, saying that they do not accept calls. We have contacted the local bank branch, the loan officer, our commercial banker, and our personal banker and none of them will respond except to say that they are " looking into it ''. Due to the problems that have arisen from this we have moved all of our banking, both business and personal to another bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: Since XX/XX/XXXX, I started XXXX family plan with a 2-year contract. After this 2 year contract due, XX/XX/XXXX, I went to XXXX store at XXXX XXXX XXXX, XXXX, and changed my plan to prepaid service. But after plan switch, I found XXXX still charged me same money of the canceled plan monthly, in the meanwhile, the prepaid minutes also decreased after each use. I called XXXX customer service for several times to fix it, their representatives agreed to cancel this double charge, but an unreasonable bill which value is {$270.00} resulted from that. And XXXX sold this bill to RPM collection agency to let them collect the money from me. 

Company response: Company chooses not to provide a public response
Consumer complaint: For the past 3 years, my mortgage company has been paying {$860.00} per year out of my escrow accounts towards what they 've been refering to as a " water tax '' or a " water/sewer assessment ''. I 've attempted more than once to get clarification on what they 're paying and every time they basically blow me off and tell me to get the information from my tax assessor. My local tax assessor 's office as well as the water company had advised me this tax does n't exist and they had no idea what my mortgage company was paying. For the past 2 years my home was being renovated and unoccupied, so I did n't have garbage service. This is my first year having garbage service and receiving a bill ... .for {$860.00}. A normal yearly garbage bill for a single family residence is {$430.00}, however the city was incorrectly billing my home as a duplex. When I received the bill and saw the amount, I realized that my mortgage company has been paying a garbage bill for the past 2 years that I should not have been getting billed for. Furthermore, they had no business paying for a utility out of my escrow account. My escrow account does not cover any of the other utilities for my home. Had they appropriately labled what they were issuing a payment for or been willing to provide me with any information on the payment, I could have dispute the charges with the city two years ago. As it stands, the city waste deparment has been overpaid {$2100.00} of my money. After speaking with the garbage department, they agreed that I should not have been billed for the past 2 years and did n't owe the money, but it 's unlikely I 'll be able to get a refund due to the amount of time that 's passed. I submitted a request via e-mail to my mortgage company almost a month ago for information on the payments they were making. I received a generic reply that they would respond within 10 days. I 've yet to receive a response. When I 've tried to speak with someone over the phone for the past 2 years, I 'm always told that the tax department ca n't be reached by phone, only fax or e-mail. 

Company response: Company chooses not to provide a public response
Consumer complaint: The below complaint/request was attempted to be sent to Experian through website and was rejected. It is impossible to get an Experian human being on line. Ihave tried twice without success. On the second occasion I used two prompts suggested by a CFPB telephone representative. A second rep indicated that this failure could be the subject of a complaint. Here is that comlaint. 
1.In a letter dated XXXX/XXXX/15 from XXXX Bank XXXX it was stated that a credit card for XXXX was denied based upon information provided by Experian. The fact is that I did not apply for the card. I have been the victim of Identity Fraud. According to both XXXX and XXXX you have been alerted to my situation and are monitoring my credit. In the letter it is stated that you wrote that your records have me listed as having " Deceased ''. Do your records reflect that I am deceased? Did you provide XXXX Bank a statement in connection with the XXXX application or to anyone else a statement that I am deceased? Do your records reflect that I am deceased? 
I ask for answers to these questions. 
I ask for a copy of my credit report on your files. 
Are you aware that you are to have a Fraud Alert on my file? 
Of the XXXX main credit services notified at the request of XXXX you stand alone in not advising me that you have undertaken that assignment. Why is that? 
Why is it impossible to reach a live person in your employ? 

Company response: Company chooses not to provide a public response
Consumer complaint: Applied for modification Bank of America advised on XXXX/XXXX/2014 they have a complete package. On XXXX XXXX was advised that approval letter was sent out, questioned about doing a short sale, was told if that is what I want must send in writing want a short sale and opting out of modification process. Which is what I did.To date Bank Of America still has me as being modified and I never was. FHA will not allow short sale if was modified, which is not correct I know of other people who have been through this process 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied to refinance my 2010 Chrysler Town and Country vehicle that is being financed by Wells Fargo Dealer Services. I applied for refinance and was approved with the same finance company Wells Fargo Dealer Services. The refinance loan is in process. I notified to let them know that the loan was in refinance process because it is with the same finance company. The payment came due but there is no reason to pay if the refinance will take care of the old loan from the same lender. I have never been late prior to applying for refinance and now they are harassing me to pay when it is going to get paid off in a few days. I do not want them to report 30 day late to credit bureaus when it is the same lender and considering I was never late on any payments prior to waiting for the refinance to complete. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX and XXXX XXXX is reporting duplicateaccount on my XXXX, XXXX and XXXX Credit reports, The amount owing on the account was {$60.00} not {$220.00}. Have contactedthem several times and they have refused to remove this falseinformation. I have contacted all credit reporting agencies regarding this matter also. Please delete incorrect information. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: countrywide mortgage took a pre existing home equity loan for XXXX dollars and without my consent or knowledge changed the loan balance to XXXX dollars in which I, ve been paying for since 2007. the loan was sold to bank of America and than to XXXX I, ve pursued this matter vigorously to where bank ok America has investigated this complaint thru it, s CEO president XXXX XXXX XXXX who informed me after a thourough investigation she had no other options but to refer this case to their fraude dept. I was told by XXXX that after 30 to 60 days that the fraude dept would be in contact with me, it, s been close to a year now with no contact, I, ve tried contacting XXXX since than with no success. I, ve filed a complaint by mail with CFPB with no success, I, ve attempted to employ the FBI to look into this obvious case of bank fraude with no response. bank of America has turned this case over to the fraude dept and I, am still paying as of this date for a fraudulent loan 

Company response: Company chooses not to provide a public response
Consumer complaint: This is not a dispute of fraud, please DO not classify it as such. 

Experian is making changes to my record, with no substantiation for these changes. 

For this complaint, I assert that Experian is adding a " personal statement '' on my behalf, and without merit, and as a Fraud Statement. 

1. Experian - please provide your rational for adding the following statement to my report, because adding it without reasoning/documentation and on my behalf, is wholly inaccurate. 

2. After you have provided the reasoning for adding this details, delete this unsupported text. 

3. A screen shot of such verbiage, and from Experian 's website is attached. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a phone call on XXXX XXXX 2015 from XXXX @ XXXX with caller ID as 'UNAVAILABLE ' Left an automated voice message stating " This message is for XXXX '' XXXX Immediately, I recognized the caller had the 'wrong number ' because no XXXX resides here ) and continued to state, "... this call is not a sales/marketing call. Hunter Warfield is a Debt Collection Agency and advised to call XXXX between M-F ( EST ) XXXX - XXXX When calling refer to number ID : XXXX. '' A return call to the toll-free and local number, each call was answered with the name Hunter Warfield in the greeting. Apparently, they are a debt collection agency. Area code for XXXX is XXXX, Florida. http : //ww2.hunterwarfield.com/ Mailing address for : Hunter Warfield XXXX XXXX XXXX XXXX. XXXX, FL XXXX / XXXX : XXXX XXXX : XXXX 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: A credit card that I believe I once had but was paid off years ago is still listed on my credit report, showing a balance and a date of a recent reported payment. The credit card company says that I have no active account with them. I obtained my credit report from TransUnion. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015 I received a bill from Macys for a balance of {$50.00}. along with a {$2.00}. low balance fee. The closing date for billing was XXXX XXXX - then they processed the bill and mailed it to me. I got the bill on XXXX XXXX and wrote a check and mailed it to them on XXXX XXXX. They said it posted on XXXX XXXX - well in advance of the XXXX XXXX closing date. I received another bill for {$2.00}. in XXXX for a low balance fee. I called and they said that even though I paid in full, ( balance + fee } in advance of the closing date - they are legally empowered to charge the additional {$2.00}. fee. I asked if they planned to charge an additional {$2.00}. fee on the {$2.00}. they had sent the XXXX billing for and they said yes, because the {$2.00}. fee represented a " balance '' and a low balance and because it was sent upon the closing date - and there are days in-between when it closes and they mail it and they receive payment - they can legally do this. I countered that that was kind of nuts - that the {$2.00}. fee could result in perpetuity, a never ending {$2.00} fee ... They said that I should have paid the entire balance in full and this would n't be happening or an ongoing issue. Needless to say, I closed the account - after insisting they waive the fee. I just wanted to file this complaint in order to let you know that they are doing this - and am questioning the legality of it. If truly seems to be taking advantage of customers and the spirit of their recouping fees for low balances, by creating a situation that in essence, continues to create new low balances - by adding this fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Department of the Treasury website refers us to the Annual Credit Report Request Service. This service used XXXX, Experian and XXXX. I thought I was safe there. You should know that Experian ( which I never used ) allowed fraudulent use of my credit card to open an account with them for a person unknown to me. This is laughable, but terrifying, because the very company we are referred to to get credit reports and which claims to prevent fraud, was fooled into letting a person open an account with them using my credit card, and my address. 
Experian says : " We help businesses to manage credit risk, prevent fraud, target marketing offers and automate decision making. " They should be investigated to see if we are really safe with them. Cancellation # of the account with Experian and the first name and last initial of the party are available on request by the proper authorities. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our Wells Fargo Home Mortgage Loan Number XXXX, recent Interest rate hike is more than reasonable. For XXXX years our base rate was 2.25 %, bought down by an initial substantial payment. Now interest is being raised by the full Libor rate. 

This week Wells Fargo advised that the rate would be the full Libor plus the initial rate or one they calculate to be 3 %, a 33 % gain when it is well known that there has been no substantial gain in interest rates over the last XXXX years. For a year, based on my {$150000.00} mortgage, this results in an additional {$1000.00} increase in payments. Based on this, the next five years, assuming a 1 % Libor each year, would cause the rate to be 7.24 %, a full 322 % gain, or at a minimum, an additional cost to me of {$5200.00}. This is usury. 

The loan agreement does stipulate this Libor rate increase but it is XXXX '' thick document, over XXXX pages, and I missed the full Libor increase clause when initiated. I thought, when they said an increase it meant the percentage change in the rate, not the full Libor rate. A change would mean subtracting today 's Libor rate from the original rate and using the sum as the adder. This would be reasonable. 

Credit score is not in question because mine is XXXX. Is there anything you can do to relieve me of this additional cost? 

Company response: Company chooses not to provide a public response