AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Greentree/Ditek have been loosing paper work not uploading it and saying they can not do HARP mods but can do in house. I am XXXX a XXXX vet XXXX my wife passed two years ago cutting my income in half. They say they are trying to help but there actions show othrreise. They continur to charge late fees and when I pay they apply to late fees generating more fees. I am at 8.75 % and they want to keep me there. I have had an on time payment history for 10 yrs till my wife died I spent down my savings know the would rather foreclose brcause its better fit thrm so put a ,XXXX year old vet in thr strret 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Closed my account at Barclay 's because they are unable to process my bank payments ( although no other companies have this problem ) Called every month since XX/XX/XXXX to try to resolve issue. They say they will take off late fee and I should only pay 'x ' amount. I send in a check and pay the amount and they charge me for not paying the late fees. Now they are charging me late fees on the late fees in addition to a minimum charge. 
XX/XX/XXXX : called and was told balance now XXXX + previous late payment charge. Agent said they will take away late payment so final payment is XXXX. Check sent for {$14.00}. 
XX/XX/XXXX have bill of {$58.00} all late feesXX/XX/XXXX, XXXX : called to resolve problem, phone system not working at Barclays any of these numbers XXXX ; XXXX ; XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: For several years I have not been able to get a FREE credit report from XXXX and Transunion. Every time I ask I get a different reason for not allowing me to see my credit report that they have on me. One of the reasons is that Transunion has false information that they will not divulge nor allow me to challange. 

Company response: Company chooses not to provide a public response
Consumer complaint: SUNTRUST PUT HARD INQUIRES ON MY CREDIT REPORT WITHOUT MY CONSENT 

Company response: Company chooses not to provide a public response
Consumer complaint: Capital Accounts , LLC has been unable to verify the debt. I am provided the name of a vendor, but no detail as to any services. I do not know the vendor for whom they are attempting to collect the debt and when I XXXX the name there is no phone number or website. I am requesting validation of the debt or removal from my credit from the XXXX major reporting agencies. I have requested this via phone call and e-mail ( attached ) yet they continue to attempt to collect the debt without any proof that the debt is valid. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A company named Loan Depot called me more than 8 times after I repeatedly told them to remove my information from their call database. I also indicated that they are harassing and terrorizing me. They allege I solicited s request for a loan and I never did. They are allegedly based in XXXX but the phone number I have on caller id is XXXX based XXXX. 
When asked for a central number they provided XXXX XXXX XXXX which goes to an operator. The customer care line at XXXX XXXX XXXX also goes to voicemail, where I am supposed to provide my phone number and name for them to contact me. I did not request any funding from them or the website they allege they got my information from, XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am in the process of foreclosure with Citi Mortgage. They offered me {$5000.00} cash for keys with a sale date of XXXX XXXX, with the agreement that they would review in good faith my loan modification application. I made Citi a settlement offer on XXXX XXXX but to this date have not received a reply On XXXX XXXX Citi had the locks to my house glued shut. I have made multiple phone calls and sent several emails to both Citi and the attorney for Citi, XXXX XXXX XXXX XXXX XXXX XXXX, FL looking for answers on why my locks were glued shut. Citi does n't even have me on their system anymore. When I call, they are unable to access my loan with my loan number or SSN. It is like I do n't exist. The only reply I received was from an associate at XXXX XXXX XXXX saying that my doors had probably been glued shut by the first mortgage company. I have NO first mortgage company. Citi is the only bank with a mortgage on my property. I believe they are doing this to prevent me from going into my house and fulfill my agreement with them, which would relieve them from paying the {$5000.00} cash for keys. Perhaps this is a strategy to harass me into walking away from my house. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just recently noticed a charge on my bank account from XXXX for {$29.00}, and also from Experian ( XXXX ) for {$24.00}. I called my bank was given a phone number to XXXX XXXX and to Experian XXXX. I first called XXXX and they could not find anything on their system with my name, address, phone number, last XXXX digits of my debit card or e-mail. I was advised by " XXXX '' to go to my bank and file a dispute report. I went to my bank and then also notice the charge from Experian, so I filed a report against both agencies they destroyed my debit card and I was issued another one. I have been charged {$29.00} and {$24.00} since XXXX 2014. I then called Experian but again just like XXXX they too could not find anything not even with my social security number. I was asked for the debit card number to be able to pull up the account. I called my bank obtained the number called Experian and that debit card number is tied into a person by the name of " XXXX XXXX ''. I was then advised to go to my bank I informed them I already have but my bank will reimburse me for the last 2 months only. I was told by XXXX from Experian that they could not refund any amount. I told XXXX that their company is supposed to protect us from people like " XXXX XXXX '' and from companies like " Experian ''. I recalled enrolling to a travel agency company around that time giving my debit card number being charged {$1.00} for the first month and would need to cancel account so that I would not be charge on a monthly basis. I knew that I had enrolled with this travel agency so I cancelled my subscription but with these XXXX credit agencies I was initially charged the {$1.00} and they continued charging my account because I never cancelled my subscription. I never cancelled because I did n't know that I was enrolled with these agencies I never received any correspondence, e-mails or phone calls, and I would n't have received anything from them because they had none of my personal information other than my debit card number which I still do n't know how they obtained. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am appallingly concerned about how the mortgage servicer has handled my account since they have been the overseer and am requesting an investigation of my mortgage account and how my payments ( principle, interest and escrow ) have been applied since XX/XX/XXXX when I believe there was an accounting error that initially forced me into foreclosure. I was awarded a HAMP modification in XX/XX/XXXX where terms were established which I complied to, for them to increase my payment by {$500.00} monthly after 14 months of payments stating it was the increase of escrow that had not been disclosed during the underwriting process or prior to the trial period or permanent modification. I contacted my township for them to tell me there had been no increase that year on property taxes. The increase in my homeowners insurance did not substantiate the $ XXXX/monthly increase they applied. Now that I am back in foreclosure due to the hardship of a fire and also the payment increase they claim is due to a rise in escrow, I would like my account investigated to prove this is true. They claim I defaulted on their adjusted terms that were not the terms I agreed to and signed which has since caused me to be ineligible for another HAMP review and qualification. Now I am again trying to see if there are any unspoken underlying cost factors that could come out after the trial period or permanent modification that would land me back in the same predicament as before, now being offered another modification? My mortgage has again been taken over by another servicer whom I was not notified about and I have concerns about whether they are legitimately able to foreclose? I would also like to request the servicer prove they hold the original mortgage Note to be able to foreclose on my property. Since the servicing company prior to this takeover, my mortgage has been a nightmare and I believe deep in my heart that there have been undisclosed errors that are unfair and falling on me. I think this is a gross misconduct and I need to know that I am not being taken advantage of. I want to keep my home and if this is a legitimate offer that they can not or will not impose a significant increase upon completion of the trial period and permanent modification and the numbers are accurate, I would be more than happy to agree to it. It just appears the servicer is preying on struggling homeowners like myself to force them out of their properties and I want to satisfy my conscious to make an educated and informed decision when possibly entering into this modification agreement. If it is found they have fault in the servicing of my loan or are not the original Note holder, justification for me would be to reverse the foreclosure and correct the numbers to provide an accurate account of what I actually owe so I can live my life without the fear of foreclosure unless deemed necessary by my fault, not theirs. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Bank of America checking account was subjected to multiple overdraft charges. This seems to have been caused by the Bank applying the transactions in a manner that maximized the number of transactions subject to an overdraft fee. In addition, while the default display of transactions shows the " statement balance '', the bank maintains a separate " account balance '' that apparently can trigger fees even when the statement balance is showing a positive balance. This seems misleading at best and deceitful at worst. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a bank account with Bank of America branch office at XXXX MD on XXXX/XXXX/2015. 
I made a deposit of {$2000.00}. The check was cleared from my XXXX Bank Checking Account on XXXX/XXXX/2015. Bank of America has since put a hold on my account denying me access to money without any legitimate cause. This is a pure profiling and a plot to cause problems in my life. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received bill from XXXX XXXX on XXXX/XXXX/XXXX for {$200.00}. I did not know I had a balance. Sent check XXXX XXXX/XXXX/XXXX for {$30.00}. Never received an updated balance. Received collection from CMRE on XXXX/XXXX/XXXX for {$200.00} on behalf of XXXX. From XXXX until XXXX I sent XXXX {$10.00} payments totaling {$70.00} to CMRE. I stopped getting letters from CMRE. On XXXX/XXXX/XXXX received bill from XXXX for {$170.00}. ( 2 years later ). I paid check XXXX on XXXX/XXXX/XXXX for {$25.00}. Never received updated bill. On XXXX/XXXX/XXXX I received bill from XXXX for {$130.00}. I sent check XXXX XXXX/XXXX/XXXX for {$25.00}. I have now received XXXX new collection letters from CMRE for {$65.00} and {$140.00}!!! I can not keep paying these XXXX companies all this money. I have never been credited correctly by either company. I feel I am now being ambushed to keep paying money out that is not due. I can not get anyone on the phone to straighten this out. Over two and half years I have been chased for more money and never once got an accurate updated statement showing the {$150.00} I have paid out between XXXX XXXX and CMRE. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband recently received an end of lease inspection from U.S. Bank for a XXXX XXXX. This was our XXXX vehicle lease but XXXX through U.S. Bank so we have XXXX times prior gone through a lease inspection with no charges imposed for ordinary wear and tear. I am an XXXX. In my opinion, the lease inspection was a joke and this particular institution is improperly using the inspection process as a profit center. Damage that was clearly ordinary wear and tear ( minute scratches on bumpers ) was categorized as excessive. A small dent on a passenger door valued at {$1500.00}. Most ridiculous, a {$200.00} charge for a missing car manual which was actually present ( in the glove compartment ). Apparently blind to the obvious, the inspector never even asked if my husband had the manual. A U.S. Bank customer service representative said we would be charged for the manual, even if returned with the vehicle, unless we took the additional step of ensuring the dealer wrote the bank a letter confirming that the manual was present. This is a ridiculous shifting of the burden of proving damage. 
A quick internet search indicates that there are many complaints that U.S. Bank is " inventing '' damage and collecting excessive fees for ordinary wear and tear. A complaint letter I drafted to XXXX XXXX, General Counsel at U.S. Bank, went unanswered. 

Company response: Company chooses not to provide a public response
Consumer complaint: I XXXX XXXX XXXX, was a cosigner for a personal loan from XXXX. the loan was paid for in full about two years ago, how ever my credit report shows that the loan is still active. I am attaching an letter from XXXX, stating that the loan was paid in full. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX XXXX XXXX credit card offered through Barclay Bank. I never authorized automatic renew of my XXXX XXXX XXXX membership charged to XXXX XXXX XXXX credit card. Barclay Bank charged {$25.00} automatic renew fee and refused to issue refund. 

Company response: Company chooses not to provide a public response
Consumer complaint: DISPUTED XXXX XXXX BANK SINCE XXXX. WITH THE ASSISTANCE FROM THE CFPB I HAVE GOTTEN IT DELETED FROM XXXX, HOWEVER THEY REMAIN ON XXXX AND TRANSUNION. I WILL NEED THE FRAUDULENT INQUIRIES REMOVE FROM ALL XXXX BUREAUS 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a Barclaycard Wyndham Rewards VISA and, after being accepted, was made aware of a bonus offer of XXXX points awarded for purchases made. I called about the offer and was promised the XXXX bonus points for my activity on the card. I performed the required activity but was never awarded the bonus points. I repeatedly contacted the company about why the points were not awarded and they continued to tell me they would be awarded. Finally, after 3 months of repeated calling and being promised the points, the company then said they were not going to award the points. I asked why, but they would not tell me ; they just said I would not be awarded the bonus points. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, my name is XXXX XXXX and i have been trying to figure out what is wrong with my information at Transunion. I am unable to receive my credit score/report from them because i suspect that some of my information is wrong with them. I am able to receive my credit score/report from XXXX and XXXX but am unsuccessful with Transunion. I suspect that because of this problem with them i am unable to be approved for credit at numerous locations including retail stores. I have called Transunion countless times and they ca n't do anything about it over the phone. They give me information saying they 're going to talk to their " IT Team '' and there 's nothing else i can do. A lot of time has passed and i have received no response or any information regarding the status of my credit report or why i am unable to get a credit score/ credit report from them. I would like for this to be resolved so i can receive a credit report from them and have no further problems involving wrong information with their bureau. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm so sick of Bank Of America.constantly sneakily stealing money from their Customers! I have well over the min Balance to waive " maintenance fees '' yet they still once in.a while.sneakily Charge me. The min balanceone should have is XXXX and I have almost XXXX. It 's ridiculous. They need to be investigated because they do this too many people knowingly! If you do n't thoroughly inspect your back statements, you may unwilling be giving your money away to them. If course back of Ameeica customer service is almost non existence as well! They give you numbers to call, mainly wrong numbers and do nothing to fix the issue 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Duplicate entries, debtor : XXXX XXXX account # same as XXXX, triple reporting, aged out account XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: i give the compleint of the bank of america because i have submited several aplications for credit and well reject because litelle information from the credit report y when opened secured credi card upon {$600.00} gave musta must a month i cosed the credit card of card secured by one payment {$500.00} dollrs wich was not doneand have resolved nothing fraude department of the bank of america no resoveld and my debit the charged to my name the account was opened XXXX XXXX XXXX and the BANKAMERICARDwich resolved anything 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may kindly concern : I have a credit card account through Bank of America. This past cycle, my bill payment was 10 days late ( due XXXX, XXXX, 2015 ). I had a health emergency and ended up in the hospital. I can send you documentation to support this claim if you wish. 

I do not dispute the fact that my payment was late, however, the reason was beyond my control. My account is now current. 

The issue I have is, I received an letter that my APR will be raised to a " Penalty APR '' at XXXX percent because of this XXXX late payment! With this exception, I have never had a late payment with this account, whatsoever, or any others in my credit history. The hospitalization was completely outside of my control. I made the payment as soon as I was physically able. 

I would also like to add, I attempted to pay my bill online a few days early, but Bank of America 's website was down for " scheduled maintenance. '' The next day, I went to the hospital, so this is at least partially their fault. 
Any help or advice you could provide with this matter would be greatly appreciated. 

Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: They called my wife 's phone number about 6 times already. From XXXX 2015 till now but I do n't know what they want. But I do n't know the number either. They do n't leave any messages or anythingelse. It is in the morning around XXXX or so. Then they will call tomorrow then again then again. Harrassing her is really beginning to be a problem. We have n't gotten anything in the mail or they did not leave any messages. Except a robo call also keep calling also. I did check my credit report and hers I did not find anything from these people. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX I applied for a hafa short sale at Select Portfolio Request request the told me my loan qualified for he HAFA short sale and they would have debt forgiveness and relocation money They told me to hire a realtor to process the short sale He gathered all the documents that Select Portfolio required they where upset that I listed my House with an outside agent from their companyXXXX-XXXX-XXXX we submitted an offerXXXX/XXXX/XXXX BPO completed Value XXXX ( select Port folio said Investor will not take less the {$250000.00} What ) we have a problem with valueXXXX/XXXX/XXXX sent service er update information in regards to Hafa Short saleSelect Portfolio has never sent Counter has never sent us approval to participate/XXXX/XXXX/XXXX submitted counter with repair billrequested a value varianceXXXX/XXXX/XXXX Select portfolio said the Investor they do n't want her on the HAFA short salewould not give a reasonprinciple loan XXXX set aside XXXX Property value XXXX why would they want {$250000.00} we have escalated the file the loan servicer refusing to help they have not been honest with me, they have Not given us Tangible Information, the have been very deceiving with me and deceptive please help 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have XXXX Bank of America credit cards. On XXXX/XXXX/2015 Bank of America showed online that I had a roughly {$3000.00} dollar balance on credit card # XXXX. I, in fact, had a {$3000.00} dollar balance on credit card # XXXX. I paid {$3000.00} to credit card # XXXX. This resulted in a - {$2900.00} credit on credit card # XXXX. On XXXX/XXXX/2015 Bank of America showed online that I still had a roughly {$2000.00} dollar balance on credit card # XXXX. I again paid {$2000.00} to credit card # XXXX. This resulted in a - {$4200.00} on credit card # XXXX. On XXXX/XXXX/2015 I attempted to shift {$3000.00} of then then - {$4100.00} credit back to my regular checking account with Bank of America via the online transfer. I was charged a {$150.00} fee for this. At the time, I had a - {$4100.00} credit on the credit card. 

Company response: Company chooses not to provide a public response