AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I mistakenly underpaid my XXXX credit card balance to Bank of American by {$10.00}. The amount due was {$730.00} and I paid {$720.00}. As a result, interest was charged to my account the following month. However, that particular month I had an unusually high bill because I had gone on vacation : total new charges were {$5300.00}. Nevertheless, the bank charged me interest on that amount in addition to the unpaid {$10.00} balance. This was keeping in line with their policy of charging interest on newly accrued charges if the previous month 's balance was not paid off in full. As a result, {$39.00} in interest was charged to my account. I did not notice the charge until the following month. Even though I paid the {$5300.00}, the following month I was charged {$44.00} in interest because of the {$10.00} balance which I had not noticed. After calling the bank to explain the situation, they agreed to refund the second interest charge " as a courtesy '' but not the first. I do question the ethics of having a rule that allows interest to be charged on newly accrued balances regardless of the past amount due. I have a history of always paying off my credit card balances in full and have always been a good customer. This however, did not sway the bank whose customer service representative stated to me that she thought their offer was " more than fair. '' I disagree. To have to pay {$39.00} in interest on an unpaid {$10.00} balance when I have been an outstanding customer for many years seems unreasonable and I would like this amount refunded. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paid extra fees to avoid giving green tree servicing direct debit ability. Had to hire a lawyer to avoid foreclosure action while my loan modification request was being delayed by them. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Several months ago an unknown person or persons used my XXXX card information to charge {$2100.00} ( probably gift cards ) at a distant outlet of a high end national retailer. My bank froze my account, reimbursed the fraudulent charges, and issued me a new XXXX account. It later occurred to me that I might have some exposure via my Shell Oil credit card. A purchase of gasoline using the card requires no password nor signature. I sent several emails to Shell asking about consequences of fraudulent use of my Shell card. Replies were boilerplate, did not address my question, and were totally unresponsive. Sloppy, too. They addressed XXXX email to " Dear XXXX '' ... ... ... the city where I live. So I sent an actual letter to Shell senior management asking the same question. This was a couple of months ago. No response. 
Can your agency tell me whether fraudulent use of an oil company credit card will produce reimbursement to the card holder? I believe this is a question of general interest ; I 've torn up my Shell card but may be interested in applying to another oil company. I like the convenience of tracking fuel purchases separately from my other credit card activity. 

Company response: Company chooses not to provide a public response
Consumer complaint: A new employer has been added but I am both XXXX and retired. XXXX XXXX has also reported fraudulent activity related to my card and reissued new card. ) 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan amount does not match with original settlement amount. Original loan was an XXXX loan with XXXX that then was sold to XXXX XXXX XXXX. XXXX XXXX XXXX consolidated XXXX loans into XXXX. Then the loan was sold to Greentree, who is the current loan holder. Now they say there is still XXXX loans for my mortgage and the XXXX mortgages original amount is more now than its original amount of loan when I purchased home. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian. Their website faulted out while I was trying to get my free annual credit report. Site said, 'try again later '. I tried many times in the following XXXX hours, but site said 'You 've already received your report. ' Only web alternative offered is to pay {$1.00} then {$15.00} per month thereafter. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello team, I would need your help removing a credit inquiry done by Citi on my XXXX report without my consent. 

On XXXX XXXX, I had requested for a credit limit increase in Citi website and I clearly remember it DID NOT mention anything about pulling a credit report. As soon as I entered my annual income details with expected credit limit and submitted the initial form, I just got a message that decision will be mailed to me later. 

The next day, on XXXX XXXX, I received an E-letter in my Citi account as : " We ca n't approve your request because you currently have the maximum amount of credit we allow without your consent to obtain and review your updated credit report '' This clearly indicated that it needs my consent further to get the credit limit increase along with a credit report pull. Since I did n't want a hard inquiry, I did n't take any action. But Citi sent me another E-letter on XXXX XXXX as : " We 're unable to approve your request because your credit limit is at the maximum amount our policy allows relative to the total income you provided. " In any of the requests which I submitted, I NEVER gave my consent to have a hard inquiry on my credit report. Even the letters which they sent me just mentions about not able to approve the increase because of the income. However I noticed a HARD INQUIRY on my XXXX report from Citi on XXXX XXXX. 

It is very clear that, I DIDNT GIVE MY CONSENT for this hard inquiry. I brought this to attention of Citi customer service immediately and have been following up with them from XXXX XXXX week, but without any successful outcome. Even after contacting them over call, fax, and over website several times, they are reluctant to agree that inquiry was done by mistake. 

I have requested for credit limit increases in the past ( I just had requested one for the same card in XXXX 2014 ) with a hard inquiry and am aware of how the prompts for hard inquiries will be. 

Further, it does n't make sense that they declined my request ONLY BECAUSE my current limit was already maxed for my annual income, which did n't need the credit report at all. 


I would like to escalate this now. Since it is done in error from Citi, I would expect their credit department to get it removed from my credit report. Please let me know if you need any further details. 

Regards 

Company response: Company chooses not to provide a public response
Consumer complaint: started months ago on XXXX and they call XXXX to XXXX times a day 7 days a week leave no message or information. any time of day also 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America sent me information regarding using a convenience check but made no mention that these checks were subject to a verification process that could result in their cancellation without timely notification, and that my verification of the transaction would still yield a cancellation of the transaction. 

BoA called me asking to verify the transaction which I did over the phone to a customer service representative. I found out later that although I verified the transaction, the transaction still was cancelled by BoA. I was told that the reason for cancelling the transaction was that the my verification occurred hours after the call was initially placed to me, and that the department that needed to verify the transaction was closed, and that the BoA representative I called back to verify the transaction could not contact the necessary office ( it was closed ). I was also told that because I had no signature on file with BoA, they could not verify my transaction and, ultimately, that is why they cancelled my transaction. 

Bank of America then sent me a letter verifying the cancellation with no mention of why this cancellation was occurring. The letter contained a phone number to customer service who explained to me that they had no way of understanding my issue and gave me another number to call which I did. The other number said that they were not the right department and I was transferred to another department I was finally given another number to call. 

BoA is not being transparent with consumers in regards to how they verify transactions and lure customers to use products without being forthcoming regarding the necessity of signature files etc. to verify transactions. BoA is also not forthcoming regarding how to resolve issues with customers as they gave me a number to call that was unable to give me any information and I was explicitly told by the BoA representatives that although I was given their number to call, that they had no information on my case. 

Customer Service Representative XXXX said she was going into file a complaint on my behalf with Bank of America and a letter will be sent to me from BoA. 

Company response: Company chooses not to provide a public response
Consumer complaint: DCS did not send statements of receipt of payments. The information that was provided in ledger by a third party shows the accurate amount received was not applied to my account. 
DCS failed to respond to my written request for a statement and did not notify me that they would be transferring my account to another company. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX with Wells Fargo is deliberitly delaying the refinancing of our loan. She indicated to me that I would be put in touch with a loan supervisor two weeks ago and I never received a call. When I called her today she stated she forgot. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received this letter from this collection agency informing me that I owe them a debt and upon further review I noticed that this debt was with another debt collection agency prior with whom I disputed the debt. It appears that they may have sold the debt and this company is now trying to collect 

Company response: Company chooses not to provide a public response
Consumer complaint: I had made my car payment on XXXX XXXX, 2015 in cash by visiting the Bank of America branch. 
I got a phone call approximately one week after the phone call from the Bank of America and the person asked me when I would make the next payment and I assured her the next payment will be made within 30 days. About a month pror to that I had talked to a BoA rep and he said my car was up for possession if I did not make a payment and I immediately rushed to make the payment. 
The reason I got behind in making my payment was medical conditions and accompanying diffculty in landing a job. 
On XXXX XXXX, Sunday, late at night I get a call asking me if I was XXXX XXXX, I said yes and the person responded he has my car. I was confused what was happening. 
I called BoA XXXX XXXX on their customer service number and they gave me another number XXXX to call at XXXX .When I called that number the voice machine said I should call XXXX. When I called that number they gave me a XXXX number XXXX, option XXXX to call. I was harshly told that the documents were not ready.I again called later and they said the document will come by evening. I called them after XXXX and they finally gave me the number to call XXXX where a machine said the office hours are until XXXX. 
When the XXXX XXXX came to literally steal the car night of XXXX XXXX it was like a nightmare because I had made a payment XXXX days ago and spoke with the BoA person XXXX days ago. I was even willing to call the police and the recovery guy said he would call it himself and so as not to make a scene in the working class neighborhood I let the matter go. He asked me to remove my stuffs I complied. He asked me to give keys and I complied. I did tell him that this entire thing made me feel like I am in XXXX XXXX, meaning a lawless jungle. 
I lost my daily wages XXXX XXXX, 2015 because I could not go to work. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am after whatever compensation I am entitled to ; I am a customer of Green Tree Mortgaging ; I am a victim of the XXXX they have been taken to task for 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a complaint regarding the overdraft fees that were billed to my checking account. I have a complaint regarding the overdraft fees that were billed to mychecking account. I was charged XXXX overcharge fees for XXXX withdrawals in which I had funds in the account. I contact your office and spoke with a representativewho credited me with XXXX of the fees back. However, the XXXX fee was never credited. I just do n't understand how I can billed for an overdraft fee when the fundswere in my accounts. I contacted the office of the president for Flagstar Bank and my compliant was pushed aside. Flagstar has now filed a writ of garnishmentwith my employer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have 7 times written letters to this company that my health insurance paid this bill. This home health care was awful while treating us, and even worse with billing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a judgment with XXXX Colorado that was satisfied. Experian XXXX are still misreporting this as an open judgment. 

Company response: Company chooses not to provide a public response
Consumer complaint: So they are back at it!!! I spoke with a employee at my sons bank to understand how my son cashed a check I wrote to him could be presented on XXXX XXXX when I clearly gave him the check Saturday XXXX XXXX,2015 I saw the copy and realized I dated the check incorrect I thought Saturday was XXXX XXXX instead of XXXX XXXX ... Wells Fargo saw the date on the check and hit me with a {$35.00} overdraft fee!! The check was cashed on XXXX XXXX!! The funds were avalible on XXXX XXXX!!! I am disgusted with these sneaky tactics!!! And when I tried to click on the check image the Well Fargo site wo n't allow me to view the image 

Company response: Company chooses not to provide a public response
Consumer complaint: I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I am victim of ID Theft. I have notified my craditor which is Bank of America, cash rewards platinum visa credit card and made sure all the documents were sent in properly through certified mail. I have been authorized the n payments of XXXX dollars in month of XXXX, XXXX and XXXX which was posted to my account as of now ending in XXXX. I made sure I check with the bank after 8 days to make sure thry have revived the payments and they confirmed. Then suddenly thr funds were transferred back to unknown or old account whixh was closed due to IDTheft. Since then I have asked them to send me a new card and they have held my card up. They have said they sent XXXX cards but I have inquired about both of those which they never mailed out to me. Then I was told that if was waiting approval bur for what? I have been member since 2009 and had a excellent payment history. Holding my credit card whixh was made avai to me is a credit discrimination with the IDTheft victim. I was then told you will revive your card in 3 to 7 Bussiness days but never recited it. I am constantly paying the payments on the card on date we both agreed upon but I am not having the previalage to have my card avail for me to use. This is no coincidence that once I had disputed those amounts and pointed out lack of communication within department and how security of a member is been secured their authenticity is challenged. On order to defend their respective concerns they have held my card so I ca n't use or make future references which can make their side look bad. I would love to sue them for not sending my card and violating my rights as they ca n't just cancel or take my card once I am I 'd theft victim and then I have excellent paayent history. Thus they have to reimburse me for the discomfort thry have caused me by doing such actions. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have attempted to modify our home loan with Bank of America, only to be told for the XXXX time that our investor XXXX will not allow modification of the Loan, the process has been very stressful, and I know that we are not alone in this. Please Help!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I received the bill on my credit of XXXX dollars from Gold Key Cred. 
I was shocked because i am an educated and responsible person.I can never leave my bills unpaid. 
I called their customer service number, XXXX. The lady on the call told me that its about the medical bill of hospital, used by my name or miss used my information. 
I never been there in that hospital in emergency. 
Some one used my name and information. I request you please take action on this wrong bill on my name. Its damaging my credit score badly. 
Please help me to get rid of this fraud done with my ID, as soon as possible. 
I will apprecite. 
RegardsXXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Apparently XXXX of my girlfriend 's credit cards ( XXXX XXXX ) was added to my list of credit cards, though I do not have the card, I am not an authorized user, nor do I have any type of access to this account. The account has had XXXX late payments, which are showing up on my credit report and damaging my score. The account shows as open, but with XXXX balance and it states that the last time it reported was on XXXX XXXX, 2014. On the credit report, it also states my responsibility for the account is " Terminated ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: Regarding Wells Fargo Mortgage I was injured at work on workers comp for several months. Unable to make mortgage payment. Granted forbearance for XXXX months. I inquired as to what would occur when I returned to work. Told I could resume payments and then they were modify the loan. Started payment on time and then they told me I had to make all missed payments with fees or thye would foreclose. I could not pay such a large sum but contained to make payments in full and on time. Continued to make payments then they started to send them back to me. They denied modification and have now started foreclosure. I have applied for and been denied modification numerous times, note most were denied saying I did not have enough income even though my income was the same and has now increased considerably over what it was when they wrote the original loan. I have complied with hundreds of requests for the same documents over and over and it appears the is a delay tactic so they can move forward with foreclosure seems to be a fraudulent tactic based on my research of other consumers in the same situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Have had a car loan for over XXXX years with US Bank and received a letter from CA DMV that the lien has n't been satisfied and I have an incomplete registration. Have been trying to speak with branch about get the issue corrected and ca n't get anyone to return my call. Have never been notified that there was an issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: Informed me that I have a collection account with them - First Source Advantage - but would not give me any other information when I asked what the debt was and who it was from. Intimidating behavior. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I had a business line of credit with Wells Fargo Bank. My company went bankrupt but we continued paying on the loan. Wells Fargo unilaterally discontinued our account access and sent no statements. They contacted us after XXXX months and still refused to give us account access since it was part of our company, but they said we had to pay it since it was personally guaranteed. They still would n't send any statements or billings. Today they took over {$3400.00} out of my personal Wells Fargo account. They still have not given me any written explanation of the amount, fees, interest, anything. The representative at Wells Fargo XXXX XXXX at XXXX XXXX was not only rude but also refused to give me any information about the amount taken. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter stating that someone opened a Dillards credit card in my name. I did not open a credit card. The limit was {$1000.00} - and they spent {$990.00} on it the same day they opened it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Greentree Servicing, no Ditech, charges me {$12.00} to make XXXX payment online. It seems to me this has to be against mortgage laws to charge a customer {$140.00} per year to make payments on their online website. They are taking advantage of their customers. 

When I originally obtained my loan it was though XXXX, then XXXX XXXX XXXX. At no time did they charge me a fee to make my payment online. I have no choice who buys my mortgage, so how can they force unreasoble terms on how to make a payment? It is really cheaper for them to hire someone to open maile and accept my check? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a VA loan through Stonegate Mortgage XXXX XXXX XXXX, I prefer to make my payments on the XXXX and the XXXX, it simply prevents me from using any of the money that needs to go into my mortgage and is a convenience for me. Stonegate has been taking my payments from the XXXX, placing it in a holding account and NEVER applying it to my mortgage. Then, they reported me to credit reporting agencies AND charged me a late fee, when I was actually early and paid them more than my actual mortgage. 

Company response: Company disputes the facts presented in the complaint