AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: A bank teller called and advised I had been pre approved for a no fee, no interest, credit card. She declared all I had to do was give her the okay and the card would be sent to me in the mail. I advised I would come in, in person and discuss the card. I did visit the branch that called in XXXX, Ut in the XXXX 's XXXX on XXXX XXXX. In person the teller and manager were present. I asked again about the fees and limits of the card. I was advised again this was a no fee, no interest ( for term of no interest ), and that the limit was {$2000.00}. The teller advised she would send the information in for the card to be issued and she would call me back to advise if I wanted a higher limit. I then asked if this was an application to apply for a card, and I was very direct I did NOT want to apply for a card. She assured the card was already approved, and I was guaranteed to receive a credit card as I was already approved for this particular card. She indicated which card I would be receiving. I lastly stated, I do NOT want anything sent in as an application and only want to accept the card if it was guaranteed I was pre approved for the card and NOT the type where a person is pre approved to apply. Again she assured it was NOT a pre approve to apply. I said okay, go ahead and send me the card. She advised she would call in a few days and I never heard anything. I called the bank and was advised the card was still in review. I did not understand this. Today I called, XXXX, and spoke to the manager. She stated the application was declined and could not say for what reason. I discussed with her the matter and she could not explain and seemed at a loss for words. I then Spoke with XXXX XXXX XXXX, the district manager XXXX not sure of the name spelling ) at XXXX. He advised he would look into what had happened. 
I am sure this practice happens often and is directly misleading causing undue inquiries and stress of customers. I have dated a woman from a bank who advised many times the individual banks will run contests for the workers to see who can get the most credit applications, new accounts ect. I am aware the difference of being pre approved " to apply '' and pre approved for a card. I had the exact same scenario with America First who stated the process just as US BANK had. the difference was in less than XXXX business days I had the promised credit card in the mail. 
I do believe there could be enough falsely led individuals in the same situation to investigate and possibly result a class action suit 

Company response: Company chooses not to provide a public response
Consumer complaint: My son was XXXX and I informed the company that he was deceased and the family did not want the vehicle and that the vehicle was totaled. I also informed them that they can get whatever information that they wanted concerning the vehicle from the XXXX Police Dept. I am not a co-signer or guarantor or anything on his loan. My son had no insurance at the time of the accident and has no estate because he did not have anything I have asked them not to call me anymore. They are calling my cell phone while I am at work 3 and 4 times a day not to mention the number of times that they call my house. The company name is Credit Acceptance and there are several numbers that they call from one of the numbers is XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I see that there are XXXX hard inquiries on my credit that took place on XXXX XXXX, 2015. XXXX is from XXXX and the other is from XXXX XXXX. To the best of my knowledge, I did not apply for any credit nor do I have any reason why there would be such inquiries on my account. Can you please find out why these XXXX companies were checking my credit please? 

Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am co signer of an automobile account. The payment in question was XXXX 2015. It was paid online and due to insufficient funds in the primary owner 's account, the payment was returned. I learned of this from the primary owner about 30 days after the fact. I was Never contacted by ALLY -the lien holder that this account was past due, and unpaid. If you review my credit report, I pay my debts on time. This XXXX and only delinquency has caused my credit score to drop by XXXX points. I work very hard to maintain a good score and would have gladly made this payment on time if I had been notified by the lien holder. I did not receive a letter/ phone call/email from them stating this account was past due. I dispute this delinquent report because I was not informed of its delinquency. As the second account holder, I should have been notified. I would appreciate any help you can provide to get this matter reversed. Thank you for your assistance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased XXXX notebooks from XXXX on XXXX XXXX, 2015 for ~ {$16.00} and that charge was on my card. Five days later, while I was at work, there was {$280.00} transaction from the same XXXX on the same card I used previously. I caught this transaction that I did not authorize the same day it happened and called Bank of America to submit a dispute. I was informed I could not submit a dispute until the transaction was no longer pending. In the mean time, I called XXXX XXXX to see if I could figure out more information. I could not. I called Bank of America immediately when the charge was no longer pending to make a dispute. I was informed that because XXXX said my actual card was swiped that Bank of America could open an investigation, but that the charge would stay on my account. They refused to give me the benefit of the doubt during a very lengthy investigation period of 2-3 months. Meanwhile, they advised me to not pay they charge and let interest accrue and IF the dispute came back in my favor, they would excuse the charge and pay back the interest accrued. Lastly, I had to ask if I would get a new card because fraud was committed with my card ( this was not suggested by Bank of America even though I told them I had an unauthorized charge ) and I was informed to monitor my card, but that a new card was not necessary at that time. I felt this was misleading and poor advice and called back later to order a new card. It took 10 days to receive. The investigation is ongoing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I told Citi Bank one of the XXXX charges for XXXX XXXX XXXX on my account was a fraud in XXXX 2015. Citi fixed that issue very quickly but than the next XXXX months when I paid my XXXX XXXX XXXX account for XXXX and XXXX, in XXXX Citi unauthorized those transactions thinking that is fraud. When I called them and asked them why would they do that, they said I mentioned that the XXXX charge for XXXX XXXX XXXX I said was fraud because I closed my account with XXXX XXXX XXXX. Which was not true at all. Now XXXX XXXX XXXX charged me for late fees and put a hold on my account for XXXX months since XXXX months transactions were unauthorized the same day. If the first XXXX was unauthorized immediately I would have known and resolved the issue between these XXXX big companies, but neither of them are helping me out. 
I would like Citi to refund me for the late payment charges I paid to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and ask for the hold to be taken off my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, 2015 this account was removed from my credit reports. XXXX XXXX, 2015 - XXXX BANK OF AMERICA CHECKING ACCOU {$600.00} was removed from my credit report because it had been on for 7 years. It was added back to my account in XXXX 2015. I filed the complaint before but was looking at my deleted and removed collections on my credit reports and found it had been removed from XXXX XXXX on XXXX XXXX, 2015. How can another company report again when the account was already run the course of seven years? Is this not considered re-aging an account? 
This Company XXXX XXXX is listing on credit reports a monoth at a time instead of all at once causing my credit scores to drop each month. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 around XXXX this morning I contacted FMS debt collection regarding a debt I have from an apartment. XXXX gave me the information of what I owed. I later asked XXXX, can I settle the debt, and he stated that the " XXXX XXXX '' does not take settlements. I said, well if I pay half would they settle? XXXX responded, they will only take settlements if it 's close to what I owe. I then asked XXXX could this be removed from my report if I paid it in full, XXXX response was " Nah ''. I responded to XXXX " nah or do you mean no ''? He then replied to me in an ill-mannered tone and said you are being sarcastic and you need our help. Furthermore we will take legal action upon you. I asked him who was the manager, XXXX replied, I am. I asked him who was his boss, and he said the owner of the company. He also said that he will not give me his information because the owner does not talk with the debtors. He then slammed the phone in my ear. I then called to speak with XXXX XXXX XXXX, Operations Manager and I was told she no longer works for the company. I asked for XXXX XXXX XXXX and he said he 's not in this office. I then proceeded to call XXXX XXXX and left her a message at XXXX on XXXX XXXX, 2015. I have yet heard a response from anyone. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a credit issued by Barclay Bank XXXX XXXX ) card. I have two balance transfer promotions. 1 if for {$1700.00} and the other is for {$1600.00}. 
My minimum payment for XXXX XXXX, 2015 is {$54.00}. On XXXX XXXX, 2015 I make payment of {$200.00} which I want to go to my balance transfer promotion that is due in XXXX of 2015. Nowhere in their Important Information does it say that " if you have a balance with an APR vs a 0 % APR, that any monies paid will only go to the APR balance and not the 0 % APR promotional balance. I call to get the situation corrected and nowhere in their records can they find that statement. So the customer service supervisor states that that statement is located in the original agreement when I received the card and they would mail that to me. But she could not find the original agreement on her system XXXX which they should have it XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: IN XX/XX/XXXX I moved to a new town and pulled my credit and found that a XXXX XXXX court house placed a debt for XX/XX/XXXX on my report. I called them and the state office XXXX and paid the debt and received receipts and letters and paid additional fees to cover court cost to remove the lien on XX/XX/XXXX it was entered paid and released. However for the last nine years I have disputed this off and on with the credit bureaus and they continue to report it as unpaid. The item was paid in XX/XX/XXXX and both the XXXX attorney Generals office XXXX and XXXX XXXX Court Records division claim they removed it from reporting in XX/XX/XXXX when my spouse spoke to them this week they this is the credit bureaus error. I attempted to dispute online and it automatically states that all I can do is submit a statement due to a fair credit report act regarding disputing an item 2 times. However, the item continue to be incorrect as the fee was paid as evidence by the copy of my receipt and letter from the court below. In addition, I understand that paid tax liens must be removed after seven years from a record. This has been reporting now for 9 years. XX/XX/XXXX filed with court paid and this is XX/XX/XXXX XXXX 9 years ) I feel my federal rights are being violated and it significantly is lowering my credit score. I am asking this be removed immediately and not placed on again. This is a 9 year old paid tax lien and needs to be removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: My property is scheduled for Foreclosure Sale on XXXX/XXXX/15 by Green Tree Servicing , LLC ( GT ). Due to a security leak, my Personally Identifiable Information ( PII ) was compromised by Federal authorities. As a result, I have a freeze on my credit with the XXXX major Credit Bureaus ( XXXX, XXXX, and XXXX. ) To process my Loan Modification request, GT had to access my credit report and requested that I lift the XXXX security freeze. In response, I requested a temporary lift of the freeze for GT for a specific period of time. GT, however, still could not access my credit with XXXX. XXXX is the only Credit Bureau Green Tree uses. XXXX provided an Access Code ( for a " Selective Security Freeze Lift. '' ) which would allow only GT to access my credit report for a limited period of time ( another {$5.00} XXXX charge ). Green Tree was not able to use XXXX Access Code. There is no place to enter a code into GT 's system. XXXX, Loss Mitigation Dept., claims she has real time access to XXXX data, however, XXXX does not sign directly into XXXX credit system and can not enter the XXXX Access Code. I was instructed by XXXX that I would have to completely remove all Security freezes before they can access my data since she has no way to enter the XXXX Access Code. XXXX was informed there would be another {$5.00} charge to completely remove the freeze and another {$5.00} to invoke the freeze again. XXXX said that was the only way she could pull my credit. Although I did not want to open my credit information up for all inquiries because of my PII security being breached, there appeared to be no other option if GT was to continue with the Loan Modification process. After I initiated the complete security freeze lift with XXXX, GT still could not access my credit. XXXX 's supervisor told her she would have to wait until the next day to determine if they can access my credit. XXXX told me the entire Loan Modification would be on hold until she can pull my credit report. It appears GT does not have real time access to XXXX credit data although when XXXX was questioned, she said several times that she did have real time access. It appears that GT is batch loading credit data into GT 's system via overnight computer run. This has added at least XXXX days to processing my Loan Modification. A foreclosure sale is in less then a week. GT has forced me to abandon my prudent security measures making me vulnerable for additional fraud, and they still can not access my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted the credit reporting bureaus on XXXX XXXX, 2015 and till this day i have not heard back from any of them 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed a Reaffirmation Agreement with US Bank /US Bancorp on XX/XX/XXXX which states a fixed rate of interest 3 % for 375 Months, filed with US Bankruptcy Court . They are now saying that the modification done in XX/XX/XXXX is what is binding and that the reaffirmation agreement is only for credit reporting purposes. They have not reported any of my mortgage payments for the past 5 years to any of the XXXX credit bureaus. And are now raising my interest to 4 % for XX/XX/XXXX then 5 % XX/XX/XXXX and are amortizing the loan 400 months. 

Company response: Company chooses not to provide a public response
Consumer complaint: Under HARP, I had negotiated a refinance with Flagstar Bank and received an email saying I was " Approved '' with a " Commitment Letter '' as attachments to the email in 2010. I also received a letter through the US Mail saying Flagstar Bank was " committed '' to helping me keep my home. However, before any payments could be made at the lower interest rate I received a phone call from Flagstar Bank saying the refi loan was not approved. 
I had never been behind on my payments and was not asking for a principal reduction, just simple refinnance to lower interest rate. After continuing to press the bank for two more years to lower the interest rate and live up to their agreement, I was finally forced into giving up the home. Had the payments been lowered with the refinance, it would have lowered the monthly payment by over {$200.00} per month, making it an affordable $ XXXX. 
Flagstar Bank has paid millions of dollars in fines for treating people like me in the manner i described and forcing them into foreclosure. I feel that I am due and eligible for damages from the monies they have paid for their actions. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted the credit reporting bureaus on XXXX/XXXX/2015 and till this date i have not heard back from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: filed complaint before XXXX -- - they said need phone number to stop calling and did send in dispute response -- - their response wanted me call them but since not able use phones then ok how and no way calling collection agency and go round and round with before can help you need verify social security number and other stuff can just change person owing info to yours scam -- - not giving all kinds personal info like that just to demand they stop calling wrong person -- this is XXXX person 

Company response: Company chooses not to provide a public response
Consumer complaint: The Bank of America will not allow my daughter to be a co-trustee on a checking account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Case number : XXXX are the papers to prove my statements and the lack of bank of America not taking them seriously, as evidenced in their reply to you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I hold XXXX student loans with Citibank. I decided in XXXX to submit their auto-debit form. Unfortunately, the form can not be submitted online and must be mailed. Citibank has no record of receiving my request. I only realized this yesterday when XXXX notified me of a late payment on my credit file. I immediately logged into the Citibank student loan website, made the payment, and sent them a message inquiring about the issue. They responded that they had not received my request. 

In the past, Citibank used multiple methods of contacting me including sending paper statements and telephone calls when I had n't paid by the due date. It appears they have changed their practice. If they had maintained the contacting methods they used in the past and that are similar to other creditor practices, this situation would have been avoided. 

I am seeking a mortgage for my first home and this derogatory credit reporting will severely impact that process. I am seeking a resolution where at the least Citibank removes the derogatory credit reporting. To help others, they may also streamline the auto-debit process, and be much more clear about notifying consumers when they change the method of contacting them in similar situations. 

Company response: Company chooses not to provide a public response
Consumer complaint: I keep getting harassed by this company and i have no idea who they are and what exactly they are talking about. i have sent in letters in response to the ones that they send me telling them that they are so wrong in who they are contacting, which is now harassing. i just want it all to stop but they have n't, just founds out that they put it on my credit. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I attempted to purchase a phone from XXXX and they told me that my credit was badd and I had to put down a huge deposit. This sparked my curiosity about my credit because I am XXXX and never put anything in my name. So I went to credit karma to try and get my credit score and it kept saying my personal information I provided did not match the records. Then I went to Transunion to request a free report and it told me that my personal information was also incorrect. My name, birthday and social I entered I know is 100 % mine and correct. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am, disputing my Barckylcard rewards mastercard that I opened back in 2013. There it shows a balance transfer in 2013 back in XXXX that was made to all of the credit cards that I had under my name. The charges went to XXXX, XXXX XXXX XXXX and also XXXX. I called to dispute this charge sense I did not only have the card yet when I just applied for it, but also I was uneployed at the time and was not going to be getting a credit card to pay other credit cards. I am waiting for this issue to be fiexad and also the balance tranfer fee to be taken off of my account after XXXX years. I reported all of this as fraud and it keeps coming back that it is all valid. Yes, the accounths that was paid was my other credit cards but yet again, was not even done or the card was not in my hands or I did not recieve it at that time of this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX we filed Bankruptcy and it was approved. We continued to pay our mortgage and the chapter XXXX was approved. After the approval of the bankruptcy we received a letter from Wells Fargo Mortgage asking us to reaffirm our mortgage. We went back to the lawyer who handled our bankruptcy and we were told that in NC we could not reaffirm a mortgage. At this point we did nothing. 

After the bankruptcy was granted we approached Well Fargo for a loan modification as we had a 6 3/4 % loan from XXXX. We were denied this request as we were current in our payments.We were told we would have to miss payments before they would talk to us. We stopped payments. Within XXXX months we got a call from WF about the payments at which time re requested a loan Mod, we were put in contact with that dept. and after time. denied a Mod. Back and forth for months and the foreclosure process was pu into process by WF. Meanwhile we are still working on the loan Mod. 

The house was due to be foreclosed on in XXXX XXXX?, we had XXXX weeks before we were out and a court appearance was scheduled. 

We received a letter from WF saying they would grant us a modification and we received paperwork. When we applied for the loan mod. we owed aprox. {$120.00} with a XXXX rate. and a {$1200.00} payment With the Mod. granted the new payment would be {$1100.00} at XXXX rate and a new mortgage of {$140.00}. We accepted as we did not want to loose the house. 

We had XXXX prior years with perfect credit and never missing a Mortgage payment on XXXX different Mortgages and WF bent us over the barrel and did almost nothing to help. 

Our only income at this time was S.S. with a combined net income of {$XXXX} with XXXX month Mortgage of {$13000.00} which left us with $ XXXX.to live on which is {$XXXX} a month of which {$XXXX} a month was going to medical insurance over and above XXXX. 

As for the loan modification request, we had to submit the application XXXX or more times as they kept lelling us they never received the paperwork and at the time we had the fax receipts to prove we faxed the documents. XXXX finally fixed the problem as someone had to sign for the package. 

All we ever asked WF for was a lower interest rate and we got nothing. 

Company response: Company chooses not to provide a public response