AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I 'm very frustrated with Bank Of America my husband checks are deposited by weekly and he has the same amount and they do n't want to process my husbands checks because they said to me the check images were bad but that was completely not true and then they said their is a problem with my husbands boss ' bank which is also untrue and come to find out after a 4-5 days the checks go through and the money gets deposited. I recently started working and they are also doing the same thing to me they do n't want to deposit my money until 4-5 days later during this time my bills wo n't get paid on time, I ca n't buy food because we do n't use credit cards we use our bank card or cash, my family needs to eat and buy necessary items that I ca n't buy and my babysitter is n't getting paid or my house is n't getting paid. I 'm a loyal customer to BOA and I have to pay overdraft fees every other week because BOA wo n't credit my checks to my account my over draft fees are now XXXX and counting last time I paid XXXX which happened daily. I do n't want to leave BOA but will do so if my overdraft fees are n't refunded and my checks are cleared by weekly I ca n't afford to give away my hard earned money to BOA this is n't fair to me or my family or to my bills or things I need to buy and my family is n't happy with me and wants these issues with my checks and overdraft fees resolved as I do. I never been so upset and I want to deposit my checks and BOA wo n't let me all of my coworkers are n't having this problem and my husband who is working for the same employer for more than 2 years never had a problem until XX/XX/2015- and currently. Hopefully you can resolve my issues and BOA starts checking my checks properly and never overdrafts me ever again because of you help. I do n't know what to do anymore and tirelessly called but no care in the world from BOA and feel helpless that 's why I 'm turning to you for help because I do n't know what more I can do if I know this is injustice but BOA does n't properly check their customers checks. 

Company response: Company chooses not to provide a public response
Consumer complaint: Twice in XXXX separate instances the debt collection agency has incorrectly attempted to collect XXXX separate debts from me from over a period of a year and a half ago. Both instances dealt with an old apartment I lived in. One instance the debt collector, for some reason, put me on to the account of the person they were attempting to collect from who turned out to be the previous tenant in my apartment. I have NO connection to this person, and still have no idea how I was assigned responsibility for their debt. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have already submitted a complaint # XXXX. I was supposed to have a remedy within a 60 day period. Needless to say, the 60 days have passed and no response. The merry-go- round begins again. Please see what can be done and keep me informed, PLEASE!!! Thank you XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian reported a XXXX credit card ( XXXX ) report that in XXXX of 2012, a payment was late. It was not. XXXX do correctly reported that the account was paid in full, and closed, but yet they ( XXXX ) continue to report a fictional late payment, that was timely disputed and resolved. Now, preparing to seek another mortgage, I disputed the matter again per mortgage broker, and Experian " investigated '', but it remains on my report. While not fatal, it does slightly impact my rating, and I have asked that the record be corrected and the entry deleted, but to no avail. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went through XXXX to receive my credit report. No problem at all with XXXX. TransUnion is another story! Once I was redirected to the TransUnion website and pulled up my credit report the website directed me to a password site ( within just a few seconds ). I was not aware of any password for TransUnion. I contacted customer service and was given a temporary to get into my account. Ahh all good, right? Not so fast! When I tried to get in to see my credit report and it gave me the message that you have accessed your XXXX free report and are not allowed more than XXXX but, I could purchase XXXX. Problem, I would n't let me access my free report. I contacted customer service XXXX more times trying to get to my report. Basically, I was told that once the page was moved away from I no longer had access to my report. Funny, their site removed me in less than 30 seconds from being in my report. When I ask if they could reset so I could get in since it was the same day. I was told to every question " No, you will have to buy XXXX ''. What a scam! Kick you out of your report so you have to pay to get XXXX. 
Note : The other agencies sent me emails with reference numbers so I could pull up my free report at anytime. 
I work in XXXX side of things, so I know what can and ca n't be done from a application standpoint. I work for a company XXXX and I know the business. When I asked to talk to someone XXXX to help get the flag reset - I was told they did n't have an XXXX department - WHAT!! Anything I requested was denied, saying you can buy a report ( get the picture? ). 
Bottom line I believe TransUnion is pulling a scam to make you have to buy a report. 
XXXX last note. The main reason I was pulling my report from TU in the first place was to get them to close a XXXX account that had been reported to the them as paid and closed in XX/XX/XXXX 2015 but, they failed to do so. I have proof XXXX they were sent the information but, never updated the account. This is affecting my credit score. When I ask the CS person if I could get help with closing this account - Ummm, yes but, you have to have your Report ID and that means I have to buy XXXX because I ca n't access my free XXXX to get that ID. Just another pointer towards a scam. I bet I heard you will have to purchase a report more that 10 times in the course of trying to get my free one.. PLEASE HELP! Why are these companies under more stringent regulations and control - they basically control our lives! 

Company response: Company chooses not to provide a public response
Consumer complaint: There are accounts open dating back to 2010, home loans and credit cards open under my information. I was in XXXX school at that time therefore have not opened a home loan, recently became an adult, i have never started my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: # XXXX We have a 0 interest card with Citi. I made XXXX payments in XXXX after the XXXX intended to be paid towards XXXX XXXX due date. {$100.00} cleared XXXX XXXX ( the due date is the XXXX monthly ). Citi applied that {$100.00} to XXXX rather than XXXX so I got a notice I had n't made a payment on time. The second check for {$45.00} was correctly applied to payment due XXXX XXXX. It cleared XXXX XXXX. Because the {$100.00} was applied incorrectly my XXXX XXXX payment was short. I talked to XXXX people in customer service and sorry, they could n't back the {$100.00} out and reapply to amount due XXXX XXXX. We are self employed and credit is very important buying real estate. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received notice of account closure - no reason provided until I contacted them. Account was closed due to " non-use ''. I had not used the account in 24 months so they closed the account ; which would have been OK had they given me notice. Citi has now done this to XXXX of my cards in two weeks for non use resulting a {$22000.00} decrease in my credit. This will have a negative impact on my score. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank has asked me to " verify my information '' in order to allow me access to my account online so that I can review my billing statements and pay my credit card bills. As I am enrolled in their paperless billing, I do not have an alternative to review and pay accounts. The information that is being demanded is information that does not exist : I do not have an ATM card, I do not have a Checking Account and I do not have a PIN number with Citibank. When I have called in to inquire about this issue, they asked me to wait on the line while they " deregistered '' my account and instructed me to re-register. When I attempted to do I received warning that my account was already registered and to apply for the replacement of my Password and Username. When I attempted to do so I was first greeted with a warning that my account was already registered and to change my password with a challenge question. When I entered that system to change my password and unlock my account, I was greeted with a warning that my account was NOT registered and then asked to register my account. Following those instructions ( again ) gave the same message that my account has already been registered and that I need to login ... which then promptly asked for the Account/PIN and Debit Card numbers which I do not have. 

In the mean time, interest, late fees, penalties and every other charge imaginable I 'm sure is racking up on my account and what 's more, I 'm certain that they are reporting negatively to the bureaus. I 'm attempting to pay my bills, but their call center and their website is preventing me from doing so! 

Given the history of this bank abandoning Texas and continually practicing negatively effecting business against me and others ( reducing credit limits to balances ( increasing balance ratios ) losing customer information ( leading to fraudulent accounts opened ) etc. I 'm not surprise, but certainly am at risk is decrease financial capability because of either technological incompetence on the part of this institution, or a concerted effort to hamper the financial well-being of customers in Texas 's Low-Income Census Tracts. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Per the back of the prepaid visa card I have states that a fee is charged, except where prohibited by state law. 
I live in Colorado and it is my understanding that an inactivity fee can not be charged for prepaid accounts. 

Colo. Rev. Stat. 6-1-722 ( b ) ( 3 ) Prohibits service fee, a dormancy fee, an inactivity fee, a maintenance fee, or any other type of fee. 

The card that I have has been depleted of {$16.00} in inactivity fees. I called the customer service number XXXX and was told that the law does n't pertain to their card. The customer service agent was very rude and hard to understand. She told me she would not assist me. 
I then tried to use the card so that I could salvage the {$34.00} left and it was declined. I waited a few days and was able to use the {$34.00} left on the card. 
The card is issued by US Bank and the website for balance information is XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted on Saturday about a loan I supposedly took out in 2011 from XXXX XXXX XXXX XXXX XXXX XXXX if I paid {$590.00} that day, the issue would be resolved even though I owed {$790.00}. When asked the original amount of the loan, XXXX could not give an answer - just advised somewhere between $ XXXX {$500.00}. When doing research on this Rosen Management, come to find out they have multiple complaints filed against them. A phone number for XXXX XXXX XXXX was found and called. They knew nothing about a loan, yet tried to sell me Protein Muscle Builder for body builders? I was then contacted today by a local number telling me legal action was going be taken if I did not pay my debts - basically calling me a deadbeat. When asked to send me the validation of debt paperwork, along with how to dispute this fraudulent activity, the gentleman declined. Per state of Wisconsin law, I have the right to request this information and it has to be sent within 5 days. Instead I was advised that my employment information had been verified and I can be expecting my wages to be garnished before being hung up on. This is not a legitimate company, and according to my attorney I have the right to request the above paperwork. Complaints have also been filed with the Federal Consumer Protection agency, along with the Consumer Finance agency. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: These agencies are giving the wrong conviction of my criminal background. My final conviction was a XXXX, not a felony. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hi, I have been paying for 8 years and 11 months on my XXXX and XXXX mortgage with no payment issues. My credit is flawless. I just became aware that my XXXX mortgage is going to adjust after 10 years and this will cause XXXX payment to go from {$1400.00} to nearly {$3800.00}. My XXXX also has a balloon that will come due in 5 years although the note has no term defined in the signed note. The combined mortgage payment will far exceed my ability to make payments. I reached out to Wells Fargo, ( my XXXX mortgage ) today and they can not do anything proactively to adjust my loan. My intention is to not have any lates or payment issues. I have an excellent job and am planning to live in my home with my wife and XXXX kids well past when they move out. I am open to look at financing and re-structure but it appears this can not happen until after is adjusts or I start missing payments. My equity position is far under water. Details : First mortgage XXXX owed Second mortgage : XXXX owed Approx value of property : XXXX Any help would be greatly appreciated! 

Company response: Company chooses not to provide a public response
Consumer complaint: Initiated a refinance with Stonegate Mortgage. Supplied all documentation ( credit report, paystubs, XXXX 's etc. ) scheduled and purchased appraisal, appraisal completed, loan to pre-processing. Lender contacts me about derogatory remark on XXXX account on credit report, states loan can not continue until removal of derogatory remark. Instructed me to contact all XXXX bureaus to have remark removed. By this action, FICO score reset from XXXX to XXXX XXXX ruined as it falls below XXXX. Result : No loan, out {$490.00} appraisal fee, credit ruined. Why did the lender not advise me that requesting a removal of a remark would have negative score reset? After working hard to get score up to XXXX now its XXXX. This will damage my ability to try financing from any other institute or could cause damage in my ability to secure employment or any other credit related financial situation that I might come across. How did simply requesting a removal of a comment that should not have been there in the first place cause my score to suddenly drop XXXX points? If making inquiries to credit companies in an attempt to rectify a wrong how are consumers supposed to 'clean up ' their credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have received at least XXXX " home loan refinance opportunities '' from Bank of America, who holds my current mortgage. The latest letter is attached, both front and back pages. I believe the manner the refinancing option is presented in these letters is misleading, deceptive, and potentially illegal. 
The letter boldly emphasizes several times that I will save {$3000.00} per year. But this savings is not primarily due to a lower interest rate, it 's primarily due to the conversion of my current 20-year loan to a new 30-year loan. Yes, I would save the {$3000.00} per year for 20 years, and then I would owe an additional {$14000.00} per year for 10 years ( this risk is vaguely mentioned in a very-small-font footnote on the bottom of the back page ). I would basically pay about {$80000.00} more, while Bank of America pockets {$2800.00} in fees and costs. 
Bank of America has complete and full access to all details of my current mortgage and to all details of their proposed refinancing plan. They have the information to accurately and honestly present their refinancing opportunity. Instead they are willfully and intentionally choosing to present the offer in a dishonest and deceptive manner. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a complaint about the CFPB process. I submitted a claim against Bank of America XX/XX/XXXX, and was told I would receive a status update in 15 days. 
On the XXXX day, the " status update '' was that it would now be 60 days to hear anything back. 
Having talked to CFPB personnel by phone, I was told that companies are allowed to request up to 60 days time once the XXXX day has been reached. 
Did Bank of America request more time? What was the decision process to grant them more time? Is there any evidence they did anything on this complaint in the first 15 days? 

Company response: Company chooses not to provide a public response
Consumer complaint: While waiting on loss migigation nationwide advadvantage sold our home 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I would like to report unprecedented behavior and lock of understanding customer needs and unwillingness to help by the CitiBank. 
For years to login and conduct any online services through my business accounts, and I have XXXX business accounts, we were using the web site : XXXX with providing user name, password and randomly generated number with the token Citibank provided for each account. 
Over the year ago, Citibank made changes how customers are accessing their personal and business accounts, providing new web site : XXXX and eliminating electronic tokens to login to business account. 
I never knew that by using new web site and new rules to logins to my business accounts this will generate all online transaction, especially wires, as funds coming from me personal name and not from my business name. 
On XXXX XXXX, 2016, following the bank instructions, I sent wire to my XXXX company in the amount of {$7500.00}. Next day I receive a call from XXXX confirming that they received a wire, but they were confused who is " XXXX XXXX '', as this name appeared in the wire as sender. 
I immediately contacted the Citibank to send an adjustments to the wire, but my request was not processed. They recommended to send fund return request, and then send new wire already using the new token they provided to me. 
Unfortunately, because of the delay, funds were deposited to the wrong type account in XXXX, and XXXX XXXX refused return the money. 
All my following calls and visits to the Citibank offices did not resolved anything. They were refusing, or did not know how to contact Ukrainian bank with the simple notes that sender of this wire was the business and not the person, and refused to credit my account for lost funds of {$7500.00}. 
I have tree shipment with equipment already on the way to XXXX, and those funds were to cover our customs fees we have to pay at arriving of our cargo. XXXX and customs services does not know my name as the entity sending this equipment, they do know my business entity name of my company. 
I 'm requesting Citibank immediate credit my account in the amount of {$7500.00}, and deal with XXXX to return funds back. 
I was following Citibank instructions for online transactions and can not be hold as a hostage by the both banks to receive my money back. 
Sincerely, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Today XXXX XXXX, 2016 I did called the sears citi master card to request for credit increased. The male representative in XXXX XXXX, never even check his system he just asked my social security number, and never reviewed the report that I have, this company made a mistaked and went into my account, to enrolled me to a paper less payment, this company told me, that I owed them, and they said that there will be a late charged, Ive been in this company for almost 5 years, but I never missed my statement from them, there male representative declined my credit increased, and hang up on me, he ruin my credit report, I called there investigation department, and they said, that they will call this guy, but they will never call me anymore, is this a right policy, how this company ruin my credit, there representative told me, that my payment will be hold for 48 hours, so by Monday, that is the day I could apply for increase. Its not the company but the poor of this call center. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a call from XXXX Veteran 's Relief Services, LLC who insisted she could help my husband ( who is a veteran ) and me get a much better mortgage via her company 's program which she referred to as a " Hybrid ARM ''. Per XXXX, this program was completely different from a standard ARM ( adjustable rate mortgage ) in that he rate could never go up more than 2 % over the locked in rate of the current 2.25 %. I advised that before I would set an appointment with one of her 'advisors ' I would need to see some sort of literature on the loan explaining exactly how it worked and what to expect. 
XXXX XXXX sent the email to my husband per my request. ( See attached ) Because he was exceedingly busy he asked me to review it and respond. The loan is, in fact, a standard ARM loan. Per the United States Department of Veteran 's Affairs there is no such thing as a 'Hybrid ARM ' just for veterans. 
I replied to XXXX XXXX, albeit somewhat harshly, advising her as such. ( See attached ) The sale of this fraudulent loan is harmful to veterans and their families. I copied her employer, who claims to own the company, my husband, as well as the man who handled our current VA 30 year fixed rate loan. In response I received a XXXX page email ( see attached ) from the owner of Veteran 's Relief Services, LLC, XXXX XXXX, filled with foul vitriol towards me, my family, and People 's bank. 
The email is also, filled with fraudulent statements regarding the aforementioned nonexistent VA Hybrid ARM that XXXX XXXX of Veteran 's Relief Services, LLC is trying to convince our Veterans they should buy into even if they are currently fine in a fixed rate mortgage. 
The fraud comes in by telling consumers that 1. It is not a standard ARM. 2. He shows his own mortgage statement that clearly indicates his mortgage interest changes in XXXX of 2016. ( See attached ) The video their company uses to demonstrate the loan also clearly indicates this a standard ARM. See XXXX However, because it is XXXX minutes long I doubt that many people will watch it in its entirety. 
I believe selling a fraudulent mortgage by phone and email is illegal. So should the follow up harassment and the slanderous statements regarding XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Regarding my complaint number XXXX. The Bank of Americas has responded to my complaint. As you can see, it is with contempt for the authority of the CFPB. Both letters were submitted on the same day and previous to your message of XXXX/XXXX/2016 saying they needed 60 days. They modified my loan : the results are the same 9.5 % for {$50000.00} loan. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response