AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I disputed the XXXX XXXX ( listed as XXXX ) on my Trans Union report. The account number is listed as XXXX They left it on my file. I contacted XXXX today and they have no record in any of their departments for a collection in my name. If this is the case, they could not have responded to Trans Union that they had a record for me. This means Trans Union did not even process this dispute but claimed that XXXX responded to them. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made a payment online to pay my Macy 's credit card in full. I received a notification by email that my payment had been applied to my account. I never received any further notification that the payment was rejected. Macy 's contends that they sent me a letter by mail -- even though I had elected to receive notifications by email -- but I did not receive any such letter, nor did I receive an email. I was not notified of the returned payment until my next statement, at which point a {$25.00} returned check fee had been applied. Macy 's refuses to refund the {$25.00} returned check fee. They contend that the check was returned because the account number I provided was for a closed account. However, they admit that the account number they recorded was only XXXX digits long. It is not possible that I entered a XXXX account number in both fields where the account number is requested in the Macy 's online payment flow. I 'm aware that my account number is much longer than XXXX digits, and the Macy 's system should not and would not accept a XXXX account number. It 's clear that the payment was rejected due to a technical error on the part of Macy 's, and that I was not informed of this error in a timely manner. Furthermore, as a result of this issue, I incurred an adverse credit score. I would like to request your assistance with reversing the returned check fee that Macy 's charged me, as well as repairing the damage to my credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: Unfortunately Bank of America does not care about their customers! I contacted customer service today because they sent me the wrong debit card. I ordered the XXXX White Sox affinity debit card, and selected it online when I opened my account. The customer service rep XXXX fixed it to the white sox card and when I asked him to overnight me a new card he said there would be a {$15.00} fee, I asked him to waive it since it was Bank of America 's fault, he refused. I asked him to explain the situation to his supervisor and see if she could waive the fee. He came back and said his supervisor XXXX XXXX denied the request, refused to give me her first name or either of their employee ID numbers. Completely unacceptable! I guess this is how Bank of America treats their customers! Now I have to wait 5-7 days before I can have access to my money, and they wo n't take care of a customer over {$15.00}??? TERRIBLE BANK! I am thinking of switching and going elsewhere, why should I stay with a bank that is n't there for their customers?? I would like to have a {$15.00} credit placed in my checking account since I ca n't access my funds for 5 -7 days I think that 's fair. I have already posted social media as well and will be writing a personal email to the CEO and VP of Bank of America on how terrible their customer service department is. That supervisor XXXX XXXX should immediately be terminated for allowing this type of behavior be be conducted by her associates. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sold a car online and was sent a cashier check from the company I try to get the bank to verified it before I deposit in my checking account, I was told by one of the banker that it looked ok just deposit into my account that I had with that bank, I put it in my bank account I had with the bank.The bank gave me half of the check which was XXXX available to me which I took the cash. The bank aloud m XXXX available that day ok 3 days later I get a block put on my account and when I call them that 's when I found out the cashier was not good. I tried to get it comfort at now I am label high risk @ XXXX XXXX and can not open a bank account 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Federal tax lien that was released, reporting on XXXX and Transunion. According to everything I have read on the laws, released tax liens must be removed within 7 years of the filing date. I have disputed this with the bureaus, as the filing date was more than 10 years ago. XXXX removed it. XXXX and Trans Union have neglected to investigate it properly and remove it. The credit bureaus keep violating my rights as a consumer to have fair and accurate credit reporting. 

Company response: Company chooses not to provide a public response
Consumer complaint: We purchased our home in 2007 and at that time P.M.I. was required. We were told 2 years of perfect payments and it would be removed and found out that was a lie. We have requested many times it be removed from our loan and they refused too. At their request, we had our home appraised by their appraiser and when it came back, we were at XXXX % L.T.V. and we are required to be at XXXX %. When we requested it be removed they told us it had to be at XXXX % so we offered to pay it down to the XXXX % L.T.V. to have it removed. They are now telling us it is based on the " original '' amount of what the home was worth when we refinanced a year ago! This is NOT what the law states! They are claiming the value of the home was {$230000.00} when THEY refinanced it for {$240000.00} so they are claiming to have advanced well over XXXX % L.T.V. at that time! We feel they are and have been taking advantage of us and need it to stop! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX BSI Financial took out a home insurance policy on my house even though I already had insurance. This made my escrow account " low '' so they increased my monthly payment. I got that straightened out and money refunded, I asked for my payment to be reduced to what it was before the issue and was denied. XX/XX/XXXX I noticed that they started showing an insurance premium again, I asked that it be removed as I already had insurance and again provided proof. XX/XX/XXXX received notice that my monthly payment was to increase again due to insurance in my escrow. I called and asked that they delete that and refund the additional fees they collected in my escrow. XX/XX/XXXX BSI made the payment and still claims that my escrow account is short. I made my XX/XX/XXXX payment per my original payment amount and asked that they note why the payment is less than what BSI feels is the appropriate payment and asked for my escrow account be canceled all together. XX/XX/XXXX received notice that I could not cancel due to late payment, from XX/XX/XXXX. I now have delinquent penalty on my credit. They do not call you back. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Received letter from rental property manager showing rental account paid in full 

Company response: Company chooses not to provide a public response
Consumer complaint: the law office of William C. Grossman is collecting a credit card debt that I do owe and I had made payment arrangements of {$10.00} a month I have not made my XXXX payment so they called my wife who is not on the loan and I did not give the attorney authorization to talk to anyone about the loan and they discussed my mortgage how long I have left on it in a threatening way she did tell them that she was not on the loan and did n't want to discuss it and they kept forcing the issue this is in violation of FDCPA they had no right to talk to her or anyone about it 

Company response: Company chooses not to provide a public response
Consumer complaint: collection/ charge off from the state of XXXX XXXX account went delinquent in XX/XX/XXXX with the state of XXXX. made payment arrangements but never regained current. XX/XX/XXXX account transfered to state of XXXX and refuse to remove and correct the origional delinquency date of XX/XX/XXXX and origional creditor. 

Company response: Company chooses not to provide a public response
Consumer complaint: I WAS OUT OF WORK DUE TO XXXX. SO I GOT BEHIND ON MY PAYMENTS. I HAD EXPLAINED TO THEM ABOUT THE SITUATION. I JUST STARTED BACK WORK, HAD TO GET A CAR, SO MY FRIEND GOT THE CAR FOR ME. ONE DAY SOMEONE FROM CREDIT CENTRAL CAME BY THE HOUSE AND SAW THE CAR PEOPLE TAG ON THE CAR. THEY CALLED THE PLACE WHERE I GOT THE CAR AND TOLD THEM EVERYTHING ABOUT MY ACCOUNT WITH THEM 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/2015 I opened a BofA checking account and made an opening deposit of {$5900.00}. I left later that day for my assigned XXXX XXXX XXXX for an upcoming deployment. I was XXXX, XXXX until XXXX/XXXX/2015. At which point I realized my account was drained. I filed a fraud claim and even after a Department of Defense memorandum from my XXXX, I was still denied numerous times. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our XXXX XXXX XXXX loan was purchased by BSI Financial well over 2 years ago while we were in the process of trying to modify our loan. Since then, our family has gone through hardships that make it impossible for us to make our loan payments due to my health issues and inability to maintain full time employment. We have filed for bankruptcy and are no longer in the financial position to keep our home. In the process of trying to rebuild our lives and repair our credit we have been attempting to short sale our home for almost one year. We have presented over XXXX solid offers to BSI financial, of which none have been acceptable to the " investors ''. Our interactions with BSI financial representative, XXXX XXXX of the Maryland office have been highly unprofessional, demeaning, and disrespectful. Our full loan balance excluding fees is {$500000.00}. We have currently ( as of XXXX/XXXX/2015 ) presented a cash offer for review for {$540000.00}. In our last contact with BSI representative XXXX, he stated that only full loan value offers would be accepted by BSI. This process has been highly frustrating to say the least and I feel that it has been the intention all along for BSI to force us into foreclosure. To further add insult to injury, my husband recently lost his XXXX job and is XXXX with the military. We have not received a response from BSI. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was in a car accident XX/XX/2013. The bills were to be paid by the insurance company. My attorney and I have contacted the companies at least 10 times with no response. The bills should NEVER have been placed on my credit reports and should be removed ASAP from all three credit bureaus. There are XXXX bills from the same company that were placed on my credit reports. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Opened an XXXX XXXX account so that we could use on vacations so that we would not have to carry cash with us. After coming back from vacation we received a bill saying that it must be paid in full. They would not accept payments and turned it over to a debt collector with which we settled with out of court. They told us that as long as we did not miss a payment then there would not be a judgment. XXXX is still reporting our account delinquent and the judgment has not been resolved. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX, which i am a curent customer in good standing had a billinng glitch when we moved to our new house 4 years ago. 

we eventually paid it but ever so often it pops up that we are delinquent. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We were charged for a XXXX subordination fee for a home refinance that did not happen. we were not told of the fee we could not refinance because of citimorgages subordination denial, they refuse to refund or credit back the fee. XXXX XXXX XXXX also charges us a fee but it was only XXXX and not XXXX and XXXX XXXX XXXX refunded the fee because the loan was not refinanced. we paid over XXXX dollars towns the refinance on top of their fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a Citi XXXX XXXX Credit Card with the promotional terms of XXXX XXXX points after spending {$2000.00}. Citi now refuses to honor the promotion stating that I have had another card opened in the prior 18 months. However, there is no disclaimer on the application or in the fine print that states this exclusion. Simple case of bait and switch. I have a copy of the application with the promotional terms and the disclaimers as proof. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a checking and saving account at XXXX Bank. On XXXX XXXX, 2015 I canceled a recurring debit of {$490.00} payment from a company by the name XXXX. Meaning I no longer authorized for payments. I do n't owe XXXX I canceled my contract with XXXX in XXXX 2015. On XXXX XXXX, 2015 I had a direct deposit cleared, the canceled payment of {$490.00} was debited from my saving account on the XXXX XXXX, 2015 but, back posted on XXXX XXXX, 2015. The funds was not in my account on XXXX XXXX, 2015. XXXX Bank knows I have direct desposit bi-weekly so, the payment cleared and I was charged a fee for not having the fund in my saving on XXXX XXXX, 2015 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern : In XXXX of this year I initiated a loan request to purchase a home. I have jumped through hoops to satisfy the bank we are dealing with. We had a credit card that had not been paid for {$1100.00} that they required we pay off. We paid that last Friday thinking that was the last hoop to jump through. Then they required that we deposit XXXX house payments with the bank to get approval. In addition we already made a down payment of {$4800.00} and {$100.00} in earnest money. Also paid for the appraisal. 

The house was originally priced at {$130000.00} by the realty company but has been reduced to {$130000.00} to meet the lower appraisal. We are requesting a 30 year loan which when the down payment is applied the loan will be less that {$130000.00}. Short of requiring our youngest child to be used for collateral we have done all we can to meet this requirement. 

We may not be the perfect or usual?? American family. We have XXXX children and we are both in college. XXXX has completed his first 2 years of college in XXXX and recently graduated. He is attending college part time working towards a XXXX and had has a permanent full time position as a XXXX. 

I am also enrolled in college pursuing a degree in XXXX XXXX XXXX. 

Our landlady is putting up our house for sale. At the time we leased from her it was difficult to find adequate housing because of the number of children. We rent a XXXX bedroom XXXX XXXX bath house with a large fenced yard for {$900.00} a month. The house is well kept in a nice neighborhood. In addition, the house has a large yard fenced in back yard with a garage and oversized patio. Perfect for our family. 

Schools are nearby as well as shopping and access to highway and major streets for easy commuting to and from work, shopping, library, hospital and other services in the community. The perfect house for a low income family and an opportunity to raise our kids in a no crime area. 

We have had challenges and have responded honestly and transparently and yet we are unable to get approval for this loan. We have had a closing date since the XXXX of XXXX and every few days are we are given a potential new date. This last request added on at this time to deposit 3 months of house payments which we did seems a ploy to sabotage us and discriminate against us and prevent us from getting a loan at all costs. At closing they are still requiring taxes and insurance in addition to whatever other fees they discriminately impose whether usual and customary or not. 

We are forced to form an alliance with our families to provide monies to now comply with any other financial requests. I respectfully request your assistance and let me add that time to ask start this process all over again with a new application with a new bank is not an option for us as we have put the landlord/owner off time after time. As they continue to ask for more and more information and documents we have to continue to pay rent. Thank you for taking the time to look into this. 

Thanking you in advance, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: After making a XXXX deposit in my Citibank account last week. 
I attempted to pay some bills once the banking website saidThat my funds are available. XXXX bills including my mortgagePayment were denied payment even though the money isIn the account. As an alternative I attempted to transfer theMoney to my Citibank credit card so I could pay the bills that wayHoping that it might be faster now that I am behind on my bills. 
This was denied as well. 
I called into Citibanks customer service who told me I needed to goInto a Citibank location for resolution. Problem is theyDo not have a location in XXXX where I live and do not haveOne in XXXX or XXXX. So unless I buy a plane ticket the onlyOther way for me to access my own money in my checking accountIs to write a letter to Citibank requesting access. This is the most ridiculousSolution I have ever been given to access my own money. 
My account was not overdrawn when I made the deposit and myCitibank credit card has always been on time and is also in good standing. 
The Citibank Customer service agent would not give me any reasonWhy my account is on hold. She also refused to give me anyFurther escalation phone number including a number for their '' Office of the President '' so I could make a formal complaint. 
So at the end of the call with XXXX in checking on an accountThat is good standing as well as a credit card I am left with writing a letter. 
That is completely unacceptable resolution to a consumer and I amAsking for your assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was trying to print my credit report and the link to print did n't work. Could you reset the link or mail me my credit report, so I can print my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX released my new account number to XXXX after I closed the account and was issued a new credit card because of unauthorized activity on my account from this same company. When I notified XXXX I had XXXX knew charges on my account from Instantcheckmate, I was told they have arrangements with this company to release new account information for reoccurring monthly billing. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I visited Banco Populars Loss Mitigation offices to apply for an alternative [ toforeclosure ], since I was unemployed and my mortgage loan is in arrears, and I want to keep my home. 
To this day, XXXX XXXX, 2015, I havent received any notification from the bank. I didnt receivenotification within five working days of filing the application, and now more than 30 days have gone by, and I havent been informed of any decision. I am including a complete timeline of my case. 
I hope you can help me, because I dont want to lose my home, and I want banks to learn to treat theircustomers well. 
Thank you in advance! 

Company response: Company chooses not to provide a public response
Consumer complaint: I am having trouble with bank of America about a house I bought in texas. They continue to stall or not communicate with me or my realtor. This has been the problem for 18 months. I have filed a complaint ... # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX 2014 LenderLive purchased Loan from Prime Lending, at that time I made XX/XX/XXXX Payment to XXXX. After few months I went to re fianc and found out that Lender Live was saying that I was Late, after doing our investigation we realized that XXXX never forward payment to LenderLive. They agreed and told me they would fix it, it has been 6 months and nothing except phone calls that I am always 1 month late, I am going to attach my payments and XXXX payment. I went to re fi and found out that my credit score of XXXX is now XXXX because of Lender Live, this is unfair and I ca n't event get new loan cause of them. I have never missed a payment and I am being harassed by them. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I have a loan with Bank of the West and I am frustrated because I was just informed that I would not be receiving regular statements, which was not disclosed at the time I took the loan 3 months ago. In addition, when I go to view the payments that were made online sometimes the payments show and sometimes they do n't, it 's very arbitrary. So downloading my activity is useless. Is there some remedy so that I have a way to make sure my payments are posted accurately and timely? I feel like I am in prison with a bank that is less than transparent and I do n't care for it and I am wondering if this is allowed from a regulatory perspective. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ditech ( formerly Greentree Servicing ) has repeatedly called my place of employment, harrassed secretaries, and requested to speak to my boss. Moreover, callers have called siblings, cousins, and even elderly grandparents to ask for contact information ( which they currently have ). In each instance, the caller from Greentree and/or Ditech have stated that they are representing my Mortgage company. Additionally, each time that I have spoken to the caller, she is rude and occasionally curses. I have often requested to speak to a supervisor ; however, the caller has refused and at times has hung up on me. These calls typically start if I am more than five days late for a monthly payment. 

Ditech ( formerly Greentree ) uses unprofessional tactics, and I feel that the individuals who work for this company have been harassing not only me but also my family and my co-workers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I requested my bank close my IRA account and refund the money to me. BBT agrees that they owe the money. That was 6 weeks ago, XXXX emails and XXXX phone calls ago and I still have not received my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: The XXXX month I paid my BOA credit card statment XXXX cents short. The 2nd month came with that amount due plus a : '' minimum interest charge '' fee of {$1.00}. I called, was told as a long time customer they would waive it, so paid my balance minus the {$1.00}. the 3rd month - the charge remain plus incurred another " minimum interest charge '' of {$1.00}, called and was told the {$3.00} would be removed, so paid the balance minus the {$3.00} ; 4th month, got a credit of {$3.00} but got another {$1.00} " minimum interest charge. '' This time I was told even though BOA was giving me credit, I had to pay the {$1.00}, because the credit would n't go into effect until after my balance w/the fee was paid. I would then receive a credit, which would then be applied to my future balance. Why? ca n't BOA, when they say they 're going to remove their charge, remove it at that time like they do other vendor charges that are being credited back? Thank you. 

Company response: Company chooses not to provide a public response