AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My issue is i donot understand why my credit score is going down when i am paying my bills on time and have not tried to get credit from anyone. I called the credit bureaus to fine out why my scores was decreasing and i was told they could not tell me why. What she did tell me was i needed to have more credit cards. I could not close because of this. No inquiies have been made on my behalf. I am paying my bills on time or ahead of time. This is why i want to file a complaint on them. I see no reason why my scores should be as low as they are. I am trying to get this issue resolved so i can cloe on my home. Time is of essence. I am still paying my bills on time or before they are due. How could my scre drop so much in a month when there is no miss payments on anything. It is amazing how no one can tell you anything. Am i suppose to be homeless because of others not doing thier jobs correctly. I need to know how do you calculate my score if i donot pay my bill and many points is taken away but only XXXX or XXXX points is given when they are paid ontime or before time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this account with Experian on several occasions as well as filed a complaint being that the account is reported wrong. This account in not included in bankruptcy as it is currently reflecting on my Experian credit file as a negative information. I contacted the company which is XXXX to inquire as to why they are reporting inaccurate information. The company mailed me a letter as to what they are reporting to the credit bureaus. This goes to show that Experian has not correctly investigated my disputes. Attached is a copy of my credit report and a letter from the agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: Used my card to pay for service/fee ( exit tax at XXXX XXXX airport ) and the merchant processed as a cash transaction. I was unaware of this. I was charged {$10.00} plus interest. Barclaycard offered to remove both charges, which is fine but that is only part of the problem/resolution. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I reached out to a loan officer at Suntrust Mortgage in XXXX Maryland regarding a VA XXXX He quickly filed the paperwork and sent it to me. I signed the paperwork and asked my wife to hand deliver it to his office, since it is close to her place of employment. He then sent me another set of paperwork to lock in the rate. We then communicated via email that this was the rate to be locked in. Now, two months later, after hearing him complain about how busy they are, he is trying to tell me that not only is my rate not locked in ( and it would have been more than .5 % lower than what is available today ) but that he has had to add on extra fees. It has taken so long that I have had to make a mortgage payment in between, and I am concerned that they will use that fact as justification to change the deal. Since rates have gone up so much since then, I can not go anywhere else to get that deal. I was working with another company to refinance, but since my money is in a Suntrust bank, and my original mortgage was with them, I figured that I would give them the opportunity to match. They did, now they are trying to back out of it, and making all sorts of excuses. I have been in contact with the Branch Manager, who has yet to reply, the Loan Officer called me after I sent the initial email to his manager and angrily raised his voice on the phone with me. I do not want anything more or less than the deal that I signed. All of these " technicalities '' that go unexplained, and that benefit the banks, are the reason nobody trusts them anymore. I have made every attempt in the past two months to maintain lines of communication with this loan officer, and all I get is excuses, if anything at all. This is unacceptable. Suntrust Mortgage is allowing this to happen. If I had the ability to contact their executive membership, I would. Veterans, Beware. This bank, though it is XXXX of the better XXXX I have worked with, has some shady people in their Mortgage department. But, they are only human. I trust that they will eventually do the right thing. I hope. It is a savings of XXXX dollars per month, and that is quite a lot. Two months is too long for a VA " XXXX '' XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: What happened is I wrote several letters to the credit reporting agencies XXXX and XXXX and Trans Union and I sent them a copy of my government identification and I requested a copy of my credit report from each of them. They all never responded and none of them ever sent me a copy of my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX from the University of XXXX in XX/XX/XXXX. In XX/XX/XXXX I was diagnosed with a XXXX. Working as a regional airline pilot during time of medical leave we are not paid. During this time I was unable to pay my extremely high student loan payment of {$1000.00} a month. After contacting the lender they offered no assistance with lowering or modifying the payment to become affordable while on medical leave. With this the loan went into a state of past due and has damaged my credit to the point where I can not get approved for other consolidation loans to fix this issue. Wellsfargo also stated that I can not receive a loan modification because my co signer and myself still meet the requirements for a loan with them. However we were recently denied a request for a new consolidation loan with them. Making less than {$20000.00} a year a minimum payment of {$1000.00} should be restricted. 

Company response: Company chooses not to provide a public response
Consumer complaint: Expenses for Reimbursement : Condo Inspection - {$350.00} Copies from XXXX - {$4.00} Attorney Fees - {$880.00} Condo Questionnaire - {$140.00} Mortgage Application Fee - $ XXXX - XXXXWe expect the Bank of America to honor and accept the mistakes and shortcomings that occurred by their employees.The purchase of our condo fell thru XXXX days before the closing of XX/XX/XXXX.We ca n't express enough the disappointment of the loss of this purchase and expense and lack of trust and communication of Bank of America to do their jobs properly. On Monday, XX/XX/XXXX, our Attorney called us to let us know that the deal had fell through due to the neglect of Bank of America Mortgage Loan Officers doing their job in a timely fashion. The mortgage was approved. All papers were submitted to Bank of America by us for the approval. We were trying to reach the Bank of America Mortgage Officer & his Manager XXXX XXXX for days and only received a call XXXX days after I had submitted a complaint with the XXXX telling me that they would not refund all of our money even though it was their fault. What a disgrace. They always called us to call each of them as their way to communicate. It was bizarre. It was like they never even spoke to each other. The Mortgage Officer would not take care of the Condo questionnaire. We had to have our realtor pay for it up front. He would never answer her calls or emails. Then XXXX week after the questionnaire was completed, another Bank of America employee called because she wanted to take care of the questionnaire and wanted our credit card number. The Loan Officer had called us for our credit card number to pay for the mortgage fee application and said he was charging the card {$440.00}. He charged our card {$660.00}. Who does this? Is this how Bank of America does business? Our Attorney called us once a week complaining that both Bank of America Officers would not respond to their calls and emails. They put all of us from the very start in a very bad position with this whole process. The burden of their jobs was pushed on us XXXX a week. It was like every day was their first day on the job! My husband and I are just XXXX over this and their neglect. Please help us. 
Time Line : Bid with Realtor - XX/XX/XXXX Inspection on Property - XX/XX/XXXX Mortgage Approval with Bank of America, - XX/XX/XXXX Condo Questionnaire Sent to BofA Mort Loan Officer to Complete - XX/XX/XXXX Condo Questionnaire Completed by Realtor - XX/XX/XXXX We were notified that Deal Fell Through - XX/XX/XXXXthe closing was set for XX/XX/XXXX ... ... We just want our expense back for their shortcoming ... 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a long standing, perfect pay history, line of credit with Citibank. It is important to maintain a good credit score and I monitor mine. Citibank pulled out of Texas and sold all branches to XXXX XXXX XXXX. As a result, my 8 year, perfect standing, on-time payments, very low balance, line of credit with Citibank was closed and moved to XXXX XXXX XXXX. The problem is that XXXX XXXX XXXX now shows a new line of credit. The CFPB should dictate that when banks move accounts between each other, the acquiring bank must use the original open date of the credit / loan. The time the loan is open, on-time payments, and low percentage outstanding all contribute to a higher credit score. With NO action on the consumer 's part, my credit score went down by over XXXX points month-over-month because the several positives with Citibank, became slight negatives with XXXX XXXX XXXX ( new credit, new credit inquiry, no payment history ). No other changes occurred on my credit reports ( except slightly lower balances on month-end cycles on XXXX credit cards as compared to previous month - which should have resulted in an increased credit score ). In my case, my excellent credit rating went down to good but many other consumers would have been more detrimentally impacted. This is an opportunity for the CFPB to make the banks change their account conversion / account acquisition practices, and methods to not negatively impact the consumer. Of course the consumer credit score effects the rating and interest rate on new credit, extension of credit, etc. This complaint should be directed against both Citibank and XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a Wells Fargo Credit Card that offered 0 % for 15 Months on balance transfers, and I was approved, and they automatically trasnferred my balance from my other card. When I get the card and statement in the mail it tells me I was approved for a " cash back '' card, of which I did not apply, that had a rate of 22.15 %. I called and spoke with a manager who says that since I already had a credit card with them that had had a previous introductory rate offer I was not eligible for this rate offer so they approved me for another card based on my credit. I told him I didnt apply for that card nor get an opportunity to deny the card once knowing that the card would be at 22.15 % but he told me that it states that the I may not be eligible for the rate if I already had a card with them that had in the past had a introductory rate. From Wells Fargo website : " Eligibility for Introductory Rate ( s ) and Fees : If you currently have an open credit card account or a closed credit card account with a balance issued by Wells Fargo Bank, N.A., you may not be eligible for the above introductory APR ( s ) or fees. " The problem is that even if I wasnt eligible for the card I was applying to at the 0 % how are they able to take my application and apply it to another card with another rate that I did not approve or know any terms or conditions on? 

Company response: Company chooses not to provide a public response
Consumer complaint: I got a vehicle loan at XXXX XXXX XXXX XXXX XXXX, in XXXX, MO, which was financed through Wells Fargo Dealer Services, on XXXX XXXX, 2015, according to my loan documents. I called yesterday, to try to make the current interest payment and a {$500.00} principal reduction on my loan, but Wells Fargo does n't have any record of the loan in their system yet. I called the dealership, and was told that the loan has n't been completely processed and funded yet, and that my payment is n't due until XXXX anyway ( which is utterly beside the point ). I called back to Wells Fargo and asked if I could make a payment, using my name and SSN, and have it applied with an effective date, once they receive the paperwork. I was told that they could not do that because the loan may not even go through them. I offered to send her a copy of my documents showing that Wells Fargo was the lender, and she said it did n't matter because they had no record of the loan. I asked if I was the accruing interest, since they did n't have the loan yet. I was told that the loan would be accruing interest as of the date of the contract, but it did n't matter, because the interest charge was calculated on the date of the loan. After explaining interest accrual to the nice young lady, and how principal reductions affect the accrued interest, I asked to speak with a manager, and was told the same thing by her. They will be charging me interest from XXXX XXXX, but as of XXXX XXXX, they are refusing to accept a payment, which would reduce my daily interest. At this point, the difference is only {$0.00} a day, but if you take that XXXX cents times all of Wells Fargo 's customers, they could be making a pretty sizable chunk of change over the course of a year. I 'm also going to be receiving a good-sized check from my insurance company for the replacement cost of the vehicle we totaled, and will be wanting to apply that to the loan also. If they are n't in any hurry, because my XXXX payment is n't due until XXXX, I could be out a good amount of money by the time they decide to process my loan. As someone who works at a bank, I know that there are consumer regulations that state how loan payments have to be applied, and that it has to be done in a timely manner and such. Since they 've not actually " funded '' the loan yet, am I just stuck in no man 's land? What recourse do I have? 

Company response: Company chooses not to provide a public response
Consumer complaint: B of A misleadingly claimed, and used fraudulent software advertised in Court exhibits that were purported to " XXXX '' and " XXXX '' overdraft fees. They settled the lawsuit for XXXX, but continued using the same fraudulent software. 

They also enticed customers with false sense of assurances, cited in XXXX once as saying, by their XXXX, " We are no longer having overdraft fees. " I have been changed overdraft fees of {$10.00} and then {$40.00} for {$1.00}, {$1.00}, {$1.00}, etc., etc, etc. This is clearly an indicator no lawsuit is big enough for them to not write it off as the cost of doing business. They literally make money by extracting funds from people who have no money. And XXXX, in their industry, sum in overdraft fees alone, each year. I wo n't get into how they do it, as it 's complex enough as it is for this box, but, it 's downright fraudulent. 

Company response: Company chooses not to provide a public response
Consumer complaint: USBank has eliminated and changed the benefits of their XXXX co-branded credit card. When I submitted my credit card application, XXXX of the benefits was a XXXX night when redeeming points for XXXX night. This benefit has been removed effective XXXX 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did mortgage re-financing with Bank of America ( BA ) in XX/XX/XXXX. 
The original agreement was that I would refinancing with {$0.00} closing cost but with interest rate slightly higher than the current market rate. BA did not stick to our original agreement. I was tricked into signing the loan, but at the end decided to pay it off completely ASAP. The new mortgage was paid off completely in XX/XX/XXXX. BA inappropriately withdrew money from my checking account at least on XXXX occasion. 
Originally the refinancing date was scheduled for XX/XX/XXXX. BA was very eager to do signing in XXXX. When I confronted them with the evidence that they where charging me extra origination fee, they lowered the closing fee, but unexpectedly moved the signing date to XX/XX/XXXX. The reason they said was I was supposed to receive appraisal report before signing. On the signing date in XXXX, I still did not have appraisal report from them. In fact it was not even mailed to me. At the same time XXXX withdrew {$1000.00} of previous mortgage payment, which they would not have done had we signed the refinancing in XXXX. As a result BA ended up charging me extra {$1000.00}. 
Multiple requests to explain what happened and return the money gave no results. 

In XX/XX/XXXX, the remaining principal balance on the mortgage was {$1200.00}, while the monthly payment was {$1200.00}. The accumulated interest form the month of XXXX was ~ {$4.00} ( 4.25 % annual interest on the loan ). Thus I was expected BA to withdraw {$1200.00} and close the loan account. Contrary to my expectation BA withdrew {$1200.00} and failed to provide any explanation of why that happened and when I will get the difference ( {$56.00} ) back. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was recently transferred to a servicing company LoanCare, a XXXX XXXX. When I called to setup XXXX payments the servicer said that they could not accept XXXX payments and only accept XXXX payments. They, in turn, offered a service through a third party company, XXXX XXXX. XXXX XXXX charges a fee to collect XXXXXXXX payments of {$290.00} and then roughly ~ {$2.00} per XXXX payments. This sets me at a detriment because I am being forced to choose between paying this fee or paying monthly. Either way the servicer is maximizing fees or maximizing interest at the expense of the customer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have used AnnualCreditReport.com with no issues for years. The last XXXX times I 've tried to use the service it has failed starting in XXXX of 2015. This time when I tried to get my report from Experian, after entering all my information it immediately goes to a page that says, " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' Then it proceeds to tell how to get a credit report, how long it will take and how much it will cost. It also requires a copy of a government issued photo ID and a recent utility bill or like document. 

This is totally unacceptable. I did a quick internet search and have found similar complaints from many others. it appears the credit reporting agencies are not holding up their agreement to provide a free credit report annually to those who request it. I am asking you to contact them and require them to correct this error immediately. 

Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a long standing, perfect pay history, line of credit with XXXX. It is important to maintain a good credit score and I monitor mine. XXXX pulled out of Texas and sold all branches to BB & T. As a result, my 8 year, perfect standing, on-time payments, very low balance, line of credit with XXXX was closed and moved to BB & T. The problem is that BB & T now shows a new line of credit. The CFPB should dictate that when banks move accounts between each other, the acquiring bank must use the original open date of the credit / loan. The time the loan is open, on-time payments, and low percentage outstanding all contribute to a higher credit score. With NO action on the consumer 's part, my credit score went down by over XXXX points month-over-month because the several positives with XXXX, became slight negatives with BB & T ( new credit, new credit inquiry, no payment history ). No other changes occurred on my credit reports ( except slightly lower balances on month-end cycles on XXXX credit cards as compared to previous month - which should have resulted in an increased credit score ). In my case, my excellent credit rating went down to good but many other consumers would have been more detrimentally impacted. This is an opportunity for the CFPB to make the banks change their account conversion / account acquisition practices, and methods to not negatively impact the consumer. Of course the consumer credit score effects the rating and interest rate on new credit, extension of credit, etc. This complaint should be directed against both XXXX and BB & T. 

Company response: Company chooses not to provide a public response
Consumer complaint: Approximation a year and 1/2 ago I was searching for a part time job over the internet to supplement my full time job to help my children pay for college. I was offered a position but it unfortunately was a fraudulent scheme. Unknowing that it was fraud, I took the check that they sent me and opened an account with Well Fargo and deposited the check. No money was withdrawn. Upon the check not clearing, Wells Fargo then closed the account which I completely understood. Well Fargo said that this incident will not remain on my record and encouraged me to open an account with them in the not too distant future. 
A XXXX has since transpired. Because of financial difficulties, I decided to take a lone out from my XXXX. The XXXX management firm sent me check as a lone in the amount of XXXX dollars. I then took that check to Well Fargo to open an account and deposit it. I explained to Wells Fargo of the fraud incident that occurred a year and 1/2 ago. They expressed that it was not a problem, opened an account and presented me with a debit card which I successfully used the next day. When I went to use the debit card the following day, I was informed it was no longer active. So I immediately when to Well Fargo to understand what happened. Well Fargo told me that due to the fraud that happened XXXX ago, they were putting my check on hold until XXXX XXXX ( approximately two weeks ) at which time the funds would then be available. Please keep in mind that these funds were needed to pay normal household bills. During this time I spoke to the Well Fargo branch staff as well as numerous toll-free numbers that the bank offers. These efforts to resolve were all unsuccessful. So, I made agreements to be able to survive financially until XXXX XXXX. On XXXX XXXX I went back to Wells Fargo to make sure that the " hold '' on my account was lifted. It was then that I was told that the hold was not lifted, and the account is being closed. A check would be mailed to me and would take 5-7 business days to arrive. Again I spoke to bank staff, called toll-free numbers and I also attempted to write Wells Fargo an email ( their web-site would not accept the email request since my account was on hold ). 
In my opinion, if Wells Fargo was going to freeze my account, then this should have been told to me up front and I would have made different arrangements. Secondly, they were incorrect when they said the funds would be available on XXXX XXXX. They instead held the funds for two weeks and then said they were sending me a check through the mail. I asked them if I could get the funds wired if I paid the fee. They again declined to do this. Finally, I believe it was unethical for Well Fargo to accept my money to then make it inaccessible to me for over XXXX weeks. 

Company response: Company chooses not to provide a public response
Consumer complaint: i sent in all verifying documents they did not take the items off i dont know what else to do from here .... i have contacted the beaureas to no avail 

Company response: Company chooses not to provide a public response