AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have XXXX accounts with Bank of the West and I had a {$1600.00} hotel bill go through my checking account and posted online as XXXX XXXX on XXXX XXXX when it was no where to be seen on the XXXX. They are back to the old habits from the class action suit of taken the highest amount and moving it around to hit your account with the most fees. It should be just one fee for the {$1600.00} bill since I did n't transfer funds from one account to this one in time, but they shifted it to make everything else fail and left others pending to hit the following day. They would not have cashed a check and given me {$220.00} at the ATM on the XXXX if that bill had gone through on the date they claimed and I had a negative balance. The {$1600.00} bill just went through on the XXXX and the changed dates around on my online account for several items to make a killing in overdraft fees. I have been monitoring my account. Items that should have cleared days ago were then sitting pending so they can sock me again the following day. It 's class action stuff all over again. 
When I tried to transfer funds from another Bank of the West account during the night to make sure I had enough in my main account so they would n't hit more overdraft fees, they stopped the transfer from happening for 6.5 hours when it has always been instantaneous since they offered online banking. Amazingly they hit me for another {$140.00} in fees and then allowed the transfer to take place. After complaining about {$280.00} in fees in 2 days that put the account negative again, they refunded {$35.00} and before I could deposit or transfer more, they took the {$35.00} back again for the day. {$310.00} for one transaction that occurred after all the others until they started juggling the dates and putting the largest one before older ones to maximize their profit. 
If XXXX the accounts of people who have been with them for nearly 20 years is how they do business, they should be ashamed. I did a transfer this morning, XXXX XXXX, online before business hours and it happened immediately. Guess that 's because I already had a positive balance so their computer 's did n't automatically hold it up to get more fees like the day before. Their computer algorithms should be inspected by the government for the rigged game their bank plays. 

Company response: Company chooses not to provide a public response
Consumer complaint: To Whom it may concern, my name is XXXX XXXX, my mailing address is XXXX XXXX XXXX XXXX XXXX. My phone number is XXXX and the email address is XXXXXXXXXXXX. This complaint is against Wells Fargo, my active checking, account number is XXXX and an inactive checking account XXXX. 
My problems started back in XXXX of 2015, XXXX XXXX or XXXX ( i dont know her last name because she said she didnt have to provide it. ) She told me that I came in the branch on XXXX and XXXX and made a withdrawal of XXXX. After many attempts of trying to talk to XXXX XXXX to no avail, I also attempted to talk to XXXX XXXX at the Advisory Department on XXXX, and she informed me that she had talked to XXXX and this was a cash withdrawal and i would have to speak with her. XXXX XXXX called me on my phone and informed me, '' It 's not my job to keep up with your money. If you do n't know how to do your online banking, that 's not my fault. You had your Niece to come in and make a cash withdrawal and hung the phone up in my face. '' I asked her if i came into your institution, allow me see the film, in which she stated that " she did n't have to '' show me anything and closed my account and told me to leave the bank. 

Back in XXXX of 2015 ( I 've faxed all the information claim number:XXXX ), Wells Fargo ran several payments to XXXX 1 . {$92.00} 2. XXXX and 3. {$140.00}. I received a letter from Wells Fargo 's Fraud Department accepting blame. ( letter also faxed to you. ) All of my services have been disconnected for nonpayment of services. Well Fargo is saying that it 's been paid, but they will not show me where it was paid or where my account was credited. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have filed a total of XXXX disputes with this credit reporting agency. The XXXX other credit reporting agencies HAVE corrected or removed errors. The third ignores my disputes as well as proof I have sent them of their errors on my credit report! 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX Bank XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXHas Falsely Reported Information onto my Credit Reports and have Failed to Validate and Verify to my Dispute # XXXX .Violating FCRA, FDCPA, TILA, XXXX. 
First who am I dealing with? XXXX Bank XXXX XXXX a division of XXXX XXXX Exhibit A ) or XXXX BANK XXXX. ( Exhibit B )? 
What was Done? 
1 XXXX Loan was Transferred as stated in ( Exhibit A ) taken from XXXX XXXX? 
2 XXXX ForeClosure redeemed XXXX Exhibit C XXXX Transunion Remarks? 
3 ) XXXX Reclaimed collateral to settle defaulted Mortgage ( Exhibit C ) XXXX Remarks? 
In Regards to Question 3 Who was XXXX? 
4 XXXX No Loan or Account XXXX Exhibit C ) XXXXx? 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a car loan with XXXX XXXX that was paid as agreed and never late. Recently I checked my credit reports online and they have XXXX XXXX showing up with several negative marks. 

Company response: Company chooses not to provide a public response
Consumer complaint: The employment info is incorrect. I have never worked at XXXX or XXXX. I 've work for XXXX XXXX for the past 15 years. Not sure who is reporting this bogus info. 

Company response: Company chooses not to provide a public response
Consumer complaint: Name : XXXX XXXXBank : US BankLoan # : XXXX filed bankruptcy in XX/XX/XXXX. Part of that was a XXXX mortgage ( equity line ) on my home at XXXX XXXX XXXX XXXX, XXXX XXXX KY. I am now in a pre-foreclosure status with that home. I have been working with my Primary Lender, XXXX, and they had approved a short sale. We sent in a settlement request to US bank for the XXXX lien on XX/XX/XXXX with no return calls. We have called over XXXX times with no answers. Finally we got in touch with someone and they have told us the timeline and the buyer I have will no longer be able to purchase. I Need US Bank to escalate and settle my request once and for all QUICKLY in order for me to sell my house through the approved short sale process. THEY are our ONLY hold up! 
We have had a buyer under contract this entire time over XXXX MONTHS. However, due to the delays with US Bank, our contract and short sale fell through and expired. I am going to lose my home to foreclosure and my credit beyond repair due to US Banks delays. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX Bank XXXX XXXX XXXX XXXX XXXX, MI XXXX # XXXXHas Falsely Reported Information onto my Credit Reports and have Failed to Validate and Verify to my Dispute # XXXX .Violating FCRA, FDCPA, TILA, XXXX XXXX. 
First who am I dealing with? XXXX Bank Mortgage XXXX a division of XXXX Bank, XXXX. XXXX Exhibit A ) or XXXX BANK F.S.B. ( Exhibit B )? 
What was Done? 
1 XXXX Loan was Transferred as stated in ( Exhibit A ) taken from XXXX Website? 
2 XXXX ForeClosure redeemed XXXX Exhibit XXXX XXXX XXXX Remarks? 
3 ) XXXX Reclaimed collateral to settle defaulted Mortgage ( Exhibit C ) Experian Remarks? 
In Regards to Question 3 Who was XXXX XXXX? 
4 XXXX No Loan or Account XXXX Exhibit C ) XXXX? 
Consent to publish the description of what happened? Consent providedSupporting documents ( A ) Loan Activity Detail XXXX XXXX ( XXXX ) ( B ) Screen Shot XXXX at XXXX ( XXXX ) ( C ) Screen Shot XXXX at XXXX.png ( XXXX ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been approved for a reverse mortgage however my payoff is approximately $ XXXX. 
Over the course of my Mortgage I have refinanced XXXX times. Each time I used what Bank of America calls it 's " Fast Track '' refinance. This is a method where no documentation is required. I did pay all closing costs for each refinance. It is now my understanding that it is not legal to use this " Fast Track '' more than once, however they did. ( XXXX ) If I was not allowed to refinance through this " Fast Track '' method ( illegally ) I would not qualify for a refinance. The money for closing XXXX would never have been added to my principle and I would not find myself short financially on my existing lien to obtain the reverse mortgage that I seek. 
BofA is refusing to negotiate an option to payoff this existing lien. I would like my closing costs returned to my principle so that I may complete my reverse mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from CMRE financial services INC. for a principal amount of XXXX. This is for a XXXX XXXX and XXXX I had done. During the time of this visit I had insurance with XXXX through my father, XXXX XXXX, which they failed to bill. I never received a statement for the money owed they just sent this bill to a collection agency. Furthermore, to add insult to injury, this company is unlawfully charging me interest. The CMRE Account # XXXX PIN # XXXX Account # XXXX. From what I recall this is for XXXX done to gauge my XXXX due to being diagnosed with XXXX in 2011. This was requested, I believe, by a XXXX XXXX XXXX in XXXX XXXX, CA. 

Company response: Company chooses not to provide a public response
Consumer complaint: First. let me start by saying I am trying my best to remain loyal to Citibank and continue to use their credit cards. However, they are making it almost impossible for me to do. While on vacation in XXXX XXXX, XXXX XXXX I somehow lost my entire wallet and cellphone. After realizing I did n't have my cell phone or wallet I called Citibank to inform them that I had lost my wallet and cell phone. Upon calling Citibank to inform them on XXXX/XXXX/2015 that I had lost my wallet and cell phone and to also inform them that when I logged on to account I noticed several charges that was pending and I never authorized the charges. I had last used my card for the XXXX XXXX stay and a XXXX purchase in the amount of {$39.00}. I was never able to advise Citibank of this as I was only met with their notorious terrible, rude, and unprofessional customer service. All the representative kept telling me was the card was temporary blocked and unless I have the code that was sent to my phone their was n't anything Citibank could do for me. Are you serious? I just brought to your attention that not only am I vacation I have lost my wallet and cell phone and I just informed you that I noticed charges on my account that I did n't authorize. All you can tell me is unless I have some code there is n't anything you can do for me. That 's customer service? Yet Citibank claims to pride themselves on great customer service. The mere fact I informed Citibank that I noticed charges I did n't authorized should have been more then enough concern for them to at least close down the account and issue me a new card. I could have called them when I got home and gotten a replacement phone to address any issue about some code they where talking about. As a result of Citibank not taking such measures and claiming to have a concern about the so called security of my account I logged into my account today XXXX/XXXX/2015 and notice over XXXX new pending charges. I guess the temporary blocked was just that " Temporary ''. Not only did Citibank allow the new charges to go through, they allowed many charges to go through even after my credit limit was exceeded. I showed over XXXX charges at the same XXXX. That should have been another reason for them to close the account down until they could talk to me even if I had never contacted them.Why would Citibank allow any new charges on XX/XX/XXXX and XXXX/XXXX/2015 to go through after I just informed that I lost my wallet and cell phone. So now I have over XXXX fraudulent charges on my account from XX/XX/XXXX to XX/XX/XXXX. Not once did Citibank do anything to prevent this from happening. Citibank is completely unbelievable. I just cant believe this even as I write this message. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a credit card listed on my credit report that is not mine. It belongs to my ex-husband. It is the credit card with XXXX XXXX visa. I do n't even have a credit account with XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I wrote XXXX a check for {$68.00} back on XXXX XXXX 2015. In XXXX they sent me a check for {$68.00}, which I never cashed or deposited. Then they had GLA collection company inc send me notice saying I owed them {$68.00}. I called GLA and told them I had a cancelled check showing that I had paid the bill and send them a copy of it. They then told me that even though I had paid them that they wanted me to cash the check they had sent me and write them another check. I told them I thought this was ridiculous and a waste of time. I did my part and now because they made a mistake they want me to waste my time. I fill like this is all because they do n't want to call the bank and pay {$25.00} to cancel the check. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The company is disputing an item from XX/XX/XXXX on my credit report as if it is a new account. The information that was provided to the credit bureaus is showing as new for a original creditor. Which should n't be updated on my credit report because I disputed the account and it was removed off my credit report to re appear as if it is new. Please investigate this company because the time has past on statue of limitations and now there returning with a new company to impose on my credit report and lower my report due to wrong information being provided 8 years later. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXXOriginal Creditor XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance {$2200.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to get XXXX XXXX XXXX and Experian to list my mortgage payment/history but neither will get it done. I have sent letters to both and and have talked to my bank rep. Because the information is not making on to the report my score is much lower than the scores of the other XXXX agencies that do report it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like delete the debt in my credit report because the debt was paid in agreements by {$700.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Regarding Case number : XXXXI just recently found out that Barclays Bank was withdrawing monies from my account without authorization from XX/XX/XXXX to XX/XX/XXXX. I was a full time student, unemployed, and going through the Home Affordable Act at the time this all happened. According to my bank these payments were taken via ACH and not through personal payments. That is how Barclays is able to show a statement of payment on former complaint file. Also, on the letterhead addressed to me they note an amount of XXXX on original balance yet my limit was XXXX which is stated on XXXX XXXX. Barclays has fraudulently withdrawn monies from my bank account after closing my credit card account and my online account, to which I had no personal access to. Information given to CFPB does not match info on XXXX XXXX or XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX, I was involved in a car accident ( No fault of mine ), and was taken by ambulance to XXXX Hospital. XXXX years later, I 'm receiving phone calls, letters for collection. I went to court, won the case, and all hospital bills, were paid, by my attorney, and my government health plan. The records have been archived, and I told the collection agency about the records, being archived, and they are asking for payment, when they 've been paid. The debt, was removed from my credit report, and was put back on XX/XX/XXXX. My credit scores, were in good standing, now they have dropped toa score I want removed and restore the previous scores. This company has violated the Fair Credit Collection Act, and I am thinking about suing this company for the aggravation and score reduction. Please have this removed, and I will pursue, taking action. Respectfully!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Our mortgage loan was purchased by Wells Fargo a while back. Things were great at first and then in XX/XX/XXXX we received a letter from them saying our property taxes were past due, this was around XXXX. Our taxes are not due till XXXX. Then before we knew it they added escrow to our loan without our knowledge raising our payment by {$600.00}. We are on a fixed income. We finally had to get a lawyer and get this escrow taken off, which it was. We have tried to get our mortgage refinanced XXXX times this year recently the XX/XX/XXXX. It has been XXXX months and still no mortgage because of Wells Fargo. They have put inaccurate info on our credit report making our credit score keep going down. They are saying our mortgage payments have been XXXX and XXXX days late but we have bank statements to prove there not. They recently updated our credit report with inaccurate info that made our score go down far below the score needed to get a mortgage loan. When we XXXX applied our chances were good but they have done this to our credit report to keep us from getting our mortgage refinanced. They are even harassing us by mail and phone calls at the beginning of the month with collection calls saying our payment is late and delinquent when it is not. Why are they doing this to us? All we want is to get our mortgage refinanced with a respectable company and lower our interest rate so we can have our taxes included in it with a lower monthly payment. They did the same thing in XXXX when we wanted to refinance. Also in XX/XX/XXXX we received another letter from Wells Fargo saying our property taxes were delinquent ( according to our tax agent our taxes are not XX/XX/XXXX, and not delinquent till XX/XX/XXXX ) again for this year and they gave us till the XX/XX/XXXX to pay them or they were going to add escrow to our loan again?? 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Transunion via telephone on XXXX XXXX. Talking to the customer service rep to have them remove an OBSOLETE account- XXXX XXXX XXXX # XXXX is showing as account paid in full WAS a charge off. The date of first default on that account was XX/XX/XXXX. They were not helpful and trying to tell me date of last default was XX/XX/XXXX. I called Transunion again yesterday, and they also agreed that an account that old should be removed and it looked odd, but could n't remove it. I am requesting they remove it now. This is violation! 

Company response: Company chooses not to provide a public response
Consumer complaint: on XXXX/XXXX/2015 we ordered a payoff statement from Stearns Lending. On XXXX, having still not received a response to our request, we contacted Stearns and were told to email the request and we would have the payoff XXXX. When we did not have it by XXXX, we called back and were told we would have it by XXXX. When we still had not received it by Monday XXXX, we called back and spoke with a supervisor who asked that we conference our client in for verbal authorization. Upon doing so, we were told once again that we would have the payoff in an hour. Tuesday XXXX, still no payoff received. Called Stearns again at XXXX. They asked that we conference the client in for a verbal authorization. When I pointed out that I was simply following up on the call from the previous day when verbal authorization was provided, we were told that the request was being expedited. At XXXX we called again and were told that our authorization was expired and no payoff would be sent. We were connected with the same supervisor from the previous day, however, in this conversation he stated that a verbal authorization would not be accepted. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello my name is XXXX XXXX and I. Am upset.. I have been trying to close on a short sale and was told that I could get up to {$3000.00} in moving cost at closing.. But was just told after I signed the paper work stating i would receive last week that this week I was n't entitled.. I have been in and out the hospital due to XXXX and staying at my sisters but maintaining the property, property insurance and still have valuables in the house ... I have been told for the last 6 months I was entitled to the exiting funds ... Wells Fargo has done enough to my family and I..i was a victim of predatory lending where brokers and Realtors went to jail, I have had to let the house sale for XXXX instead of them letting me purchase the home, and lol I 'm asking for is my exit funds of up to {$3000.00} .... On the paper i signed it states {$750.00} if we closed after closing date and then I would be entitled to the {$1000.00} if we closed before the closing date .... Also the law has changed it is now up to {$3000.00} for exit funds. I just want what 's do to me ... I still maintain the insurance on the property and my belongings are there ... 

Company response: Company chooses not to provide a public response
Consumer complaint: Company continues to report on my credit report this debt. I settled this with another collection agency and received a letter stating it was paid. Sent all verification to this second company, Enhanced Recovery Company, and they refuse to remove it and continue to report to credit bureau. They are attempting to collect a debt already settled and paid. They continue to state " we do n't know if it 's been paid '' even though verification letter states " Paid ''. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My urgent matter involves foreclosure I 'm a young XXXX XXXX in the process of trying to get a XXXX and save my home at the same time but it has become overwhelming. After being XXXX retired the military terminated my BAH ( Basic Housing Allowance ) and since then it 's been hard for me and my family. On or about XX/XX/XXXX I was almost 3 months behind on my mortgage and I tried to pay for two months of payments and they refused to take the payments and they then stated they could n't help me until I was three months behind. My lawyers have submitted documents to request a loan modification but within a 2 month period they state that I make too much or not enough. I now have a sale date of XX/XX/XXXX. So its clear they have no intention to honor a loan modification. I received a loan modification on or about XX/XX/XXXX but it was still a financial burden. I excepted the terms because they stated If I did n't it they would terminate the loan modification and I would have to start all over again. As a XXXX XXXX veteran I 'm not suppose to pay property tax but they still charge me. In addition, we had a certified forensic loan audit which depicted fraud on the loan. Our XXXX report revealed our note was split-apart or fractionalized, as separate accounting entries and deposited ach Class is insured up to 30 times the face value of each Note therein, which is permissible under the Federal Reserve System. I have no problem providing forensic audits and securitization reports. I want justice and my home. Freedom is n't free!! 

Company response: Company chooses not to provide a public response