AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I received a letter in the mail from Bank of America stating that they are going to change the terms to my checking account they will start charging me a {$25.00} a month fee unless i keep {$5000.00} or more and my account or have other loan products. But for new customers they offer free checking on their website for new customers I will copy and paste it below. I have direct deposit and i meet their qualifications for the maintenance fee to be waived. This is not right they are false advertising if they are going to start charging me now. 
Convenient access to your personal checking account wherever, however you want. 
No monthly maintenance fee when you meet XXXX of the following requirements each monthly statement cycle : Have at least XXXX qualifying direct deposit of {$250.00} or more ; orMaintain an average daily balance of {$1500.00} or more ; orWhen you are a Bank of America Preferred Rewards client ( waiver applies to XXXX XXXX checking and savings accounts ) Otherwise, $ XXXX monthly maintenance fee. 
Students under age XXXX are eligible for a waiver of the monthly maintenance fee while enrolled in a high school or in a college, university, or vocational program. Please refer to your Personal Schedule of Fees for details. Footnote 1Teller accessOptional Regular Savings Account Footnote XXXX, MobileFootnote XXXX and TextFootnote XXXX bankingOnline Bill PayPayment RemindersCustomizable alertsFootnote XXXX card with {$0.00} Liability GuaranteeFootnote 6 and new chip technologyKeep the Change ( R ) savings programFootnote XXXX where everyday purchases add up to savingsOptional Overdraft Protection to help avoid overdraft fees and declined debit card transactions 

Company response: Company chooses not to provide a public response
Consumer complaint: continued attempts from numerous collection agencies trying to collect on same acct. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX, 2015 I went into the Citibank location in XXXX XXXX XXXX, FL to wire {$3700.00} to XXXX XXXX bank in XXXX XXXX XXXX. I spoke with XXXX XXXX to complete the transaction and he also spoke with the Branch manager in XXXX to verify the account information for the wire and the XXXX Branch Manager told him to send the funds in US currency to the account. I have attached the documentation for the wire. I called XXXX XXXX in XXXX 2 days later and the wire had not been received. I called Citibank wire dept. and I was told they would open a case to trace the funds the case # XXXX. I called Citibank back and they told me they do n't see my money! Thy have escalated this case at least XXXX times and they still ca n't see or find my money. The Wire dept. at XXXX XXXX says they do not have the money and Citibank says they are waiting for the money from XXXX, who again says, they do not have the money. At this point, it 's 2 months later and Citibank has not returned my money and said they do n't know where my money is. Every time I call I 'm told the case will be escalated and still they do not know where my money is. I worked very hard for my money and this was a transfer to a lawyer for family land that I am in jeopardy of losing because of the incompetence of Citibank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a XXXX XXXX XXXX XXXX. I Leased it at the end of XXXX though Bank of America. I paid the lease though maturity, then Bought the vehicle through the same bank XXXX. I paid on this loan through XXXX. Even though I was forced to claim a Chapter XXXX bankrupcy, I did not include the vehicle and paid it off. One month ago I turned the vehicle in to a dealership who could only give me {$250.00} for a 16 year old vehicle with over XXXX miles on it. I purchased a used vehicle, but did not have the title to my old SUV after so many years. Days later the dealership informed me that theycould not obtain a new title for the car because there was a lien on it. I called Bank of America right away. After waiting for weeks for them to " review '' the situation, they told me I owed them {$2100.00}. I have asked different people many times to explain how this could be, and they just tell me I owe it and that is it. I asked them why this is the first time I am hearing about this, and I can not get a intelligent answer. How was I able to renew my plates evey year. Why did I not recieve any notice. I aasked if they could work with me and negotiate the amount of this debt, and they said not at this time. The person on the phone explained that certain times throughout the year they do negotiate, but this was not XXXX of those times. I am recieving a huge amount of pressure from the dealership, and I can not afford this huge debt. I do not have time to wait for a period to negotiate because I already turned the car in. Had I known about this debt I would have made payments to take care of it, then turned the car in or sold it myself to offset the cost. If I owe something, I am willing to pay it off. But I am sure that Bank of America has already written off this debt and recieved the tax bennefits of doing so. I am also sure that it is not fair for them to tell me I have to wait until a certain time of year to negotiate with them. All i ask is that " If I do owe anything '' and they EVER do negotiate with people, please offer me the same consideration. I am going to have to try and borrow the money to pay this debt so I can get the dealership off my back. I do not think I owe this, and at least should be able to pay less than they are saying. Why didnt they come and reposess the car years ago, or send some sort of notice. This is not fair. 

Company response: Company chooses not to provide a public response
Consumer complaint: I turn in the car in 2010 as a voluntary repossession, at a licensed auto shopwhere I had been getting the fixed since I had it and the agreement was thatthey was to pick up the car and sale it and pay the remaining balances. 
however they never followed up on there end of thing and they lost ownershipof the car cause they never picked up the car or pay the storage fees that hadbeen up at the auto shop so I received a letter asking me to pay or creditacceptance and neither one of us followed up and we both lost the car! 

Company response: Company chooses not to provide a public response
Consumer complaint: U.s. Bank charge me XXXX $ to check my balance on their atm. Bank agreed to reverse one of the charges after I complained although I asked that all be reversed as no prior notice of the charge was provided. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a mortgage with CountryWide home loans that was a conventional6 % fixed rate loan. CountryWide went bankruptcy and Bank of Americatook over the loan and my mortgage became FHA loan without mesigning any paperwork. Then I ran into trouble paying my mortgage andcontacted Bank of America who said they were going to defer XXXX payments to the end of mto the end of my loan. What they actually did was a modification andadded 16 years to my loan and over {$16000.00}. 
When I sat in the closing with CountryWide they told me they wouldnever sell or transfer my loan that was misleading and untrue. 
I 'd like to know how my loan went from conventional to FHA and how {$16000.00} was added to my loan. 
I also took a home equity loan with CountryWide that was transferred toBank of America then to XXXX XXXX. I was charged fees for paymentsand had payments that were n't applied correctly to the loan and whenXXXX XXXX took over the loan they harassed me and threatened me onregular basis about payments, 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB, On XXXX XXXX, 2015 I contacted National Credit Systems XXXX Inc., and I spoke with representative XXXX XXXX about a debt they Reported to the creditors in the amount of {$1700.00}. I requested a debt settlement offer for {$1000.00}. In which I was denied. XXXX days latter, requested a settlement offer for {$1200.00}. And on the XXXX of XXXX, I was told my offer was denied and they were not accepting any offers, and that the account had to be paid in full by XXXX XXXX, 2015, and if not paid in full by that date the amount owed will increase and the new amount would be reported to the credit bureaus. So, to avoid any more negatives to my creditors I paid the amount in full on XXXX XXXX, 2015. To my astonishment, on XXXX XXXX, I received a letter from XXXX XXXX, stating that they are offering a XXXX percent settlement in the amount of {$880.00}, I was shocked! And hurt to know that they would go to such extreme to be deceptive just to obtain the full amount. However, I would like for the company to honor the 50 percent settlement offer, and return {$880.00} in certified check. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I keep receiving calls about a debt I have no clue about 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Used the best category list above. My credit card XXXX XXXX XXXX XXXX determined to reduce my credit limit from $ XXXX to $ XXXX as a result of non-activity ( use ). The information was reported to Experian ( my credit monitoring service ) and then I was notified that my credit score had been reduced as a result of XXXX XXXX 's action. I was not delinquent, and the balances had been paid for over a year. My compliant is against the algorithms used by Experian that uses the information as a negative that reduces my credit score as a result of my decision to be as debt free as possible using cards as a second alternative. The US government talks about the debt of America then we get penalized by the credit bureaus based their calculations of a score. I am now rated in the " good '' credit category rather than the " very good category '' for actions of the credit card. The credit score is the basis of better interest rates to buy goods and services and it is collusion between the credit card companies and credit bureau in their algorithm derived score that pushes more use of credit by XXXX XXXX XXXX XXXX for non use of the card and Experian for the actions of not using the credit cards derive fees and interest charges. THE FTC needs to investigate the algorithms that is affecting US citizens such as this where are rendered powerless XXXX. Obviously now that I am just a good credit customer, XXXX XXXX and other credit facilities can not charge me more interest based on the actions XXXX and not based on my consideration to pay cash for fertilizer and flowers, etc. When I do not pay my bills on credits based on the conditions I expects the actions XXXX to be reflected accordingly. However when I who have expressed my history of being credit worthy but by the actions of XXXX XXXX and Experian, I have no consumer power to use credit and debt free in the best manner. THE FTC should review all credit bureau algorithms to ensure it maintains independence and fairness with its reporting of information and now so important Credit Score that drives how we obtain and pay for things in the marketplace. This would great for " 60 Minutes ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for the loan in XXXX 2013 because an emergency had come up and I needed cash quickly. I was given a loan of Approx {$3500.00} from Onemain Financial. The rep informed me at the time that it would be a 60 month loan and after all the payments were made I would have paid back {$14000.00}, to which I asked " I could pay off off early and not have to pay the extra interest right? '' and was informed by the rep that I could. I was not willing to pay $ XXXX in interest on a {$3500.00} loan and I voiced that and was assured that I could payoff the loan and not have to pay the extra interest. When I attempted to payoff the loan within a year of applying I was told that the balance was $ XXXX and all of my payments had been going to " interest '' ... I feel as though Onemain were very deceitful in their loan process and I was blindsided into agreeing to this loan that is wrong and illegal in so many ways. 

Company response: Company chooses not to provide a public response
Consumer complaint: We were trying to apply for a mortgage. Since my credit is locked they refused to use only my wifes credit and because we do n't have any recurring credit were not approved. This part was fine. 

The problem is that we are staying with our kids at their house, and we told them to use our mailing address and to NOT send anything to our kids address. They ignored their own application that shows a mailing address on it. We told them we do n't use our kids address for anything, and they used it during my wifes credit check, and then also against our request they also sent their credit documents to our kids address ignoring our request to ONLY use our mailing address. Now we will start to get things mailed to our kids address against our will and promise to them to never use their address for anything. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: The Collection Company keeps calling and calling we have told them we do not owe them any money no body at this number owes any money they keep calling every day no matter what you tell them. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America 's representative and short sale negotiator, XXXX XXXX, and her supervisor, XXXX XXXX, continue to create unnecessary delays and roadblocks to stall the process of the short sale offer review we have file XXXX behalf of the borrower, XXXX XXXX XXXX for the property located at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. XXXX XXXX has suffered loss of job and income due to the ongoing financial crisis in our area and Bank of America seems determined to punish her for her hardship. The excess of pettiness in the demands from XXXX XXXX and her supervisor is beyond any other interactions I have had with Bank of America representatives in the XXXX years have been working with Bank of America in the distressed housing market. I can not believe how ridiculous and nit-picky they are with this file, exceeding all previous transactions I have worked on. I believe there is a personal vendetta or bias on the part of the Bank of America representatives toward the borrower and/or towards me as the legal representative of the borrower. I have requested that Bank of America replace this person but they refuse to. In the latest episode the bank 's representative has put the short sale process on hold while they have demanded an impossible to complete task regarding a change on one of the listing agreement addenda. They are demanding that the change and correction of the listed sale price be initialed by Seller and Buyer. In Oregon, as I am sure the Bank of America XXXX know, it is not permissible for the listing agent, me, to share any of the listing agreement documents with the Buyer or the Buyer 's agent. That is a violation of the fiduciary duty of confidentiality that I have with my client. So, I am put inn the position of being required to complete a task I am not legally allowed to complete. This is just wrong, and petty and unnecessary as well. This is just one example of the lengths that Bank of America and it 's representatives are going to in order to, apparently, stall the process of the short sale until they can force this loan and property into an unnecessary foreclosure. 

Company response: Company chooses not to provide a public response
Consumer complaint: BACKGROUND - I have an investment property located at XXXX XXXX XXXX in XXXX, Georgia that is currently in foreclosure. No sale date is currently scheduled. I requested approval for a short sale from the lender XXXX Wells Fargo XXXX - which was approved almost 2 years ago. I have had multiple sales contracts - but XXXX potential buyers eventually canceled because the process was taking so long ( they found other properties to buy ). I complained to the CEO and SVP in written letters on XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15. Each time I received a letter from XXXX XXXX XXXX - Senior Vice-President Wells Fargo Home Lending stating that she would investigate and get back to me. I have not heard back from XXXX XXXX XXXX with the results of any investigation. SPECIFICALLY - THIS IS MY CURRENT COMPLAINT AND REQUEST FOR ASSISTANCE : A short sale offer of $ XXXX was made on XXXX/XXXX/15. The buyer is a cash buyer and funds have been verified by Wells Fargo. On XXXX/XXXX/2015 my sales agent spoke to a Wells Fargo representative in the short sales department. As per the representative, the file was declined for the offer being too low. As per the underwriter, they want an offer of at least {$180000.00} as the current appraisal they conducted deems this to be at fair market value. Two key points. A short sale from another buyer WAS APPROVED by Wells Fargo and underwriter for the exact same amount ( $ XXXX ) on XXXX/XXXX/2015. XXXX The buyer canceled a few days later because they had been waiting since XXXX/XXXX/2014 and found another house to buy. ) A new appraisal HAD NOT BEEN DONE between the dates of XXXX/XXXX/2015 and XXXX/XXXX/2015. No material market conditions or home improvements have been made since XXXX/XXXX/2015. After waiting for almost 2 years - I would like to get this short sale finalized. The fact that Wells Fargo approved $ XXXX in XXXX, we received a new offer 2 months later for the same amount with a qualified buyer, and now that offer is being rejected - is not ethical. I would appreciate any help you can provide. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I applied by telephone to Citi for the Double Cash Back Credit Card and was rejected. The reason for rejection that I was given by a " supervisor '' was that my annual income was too low, as dictated by the Federal Card Act Ability to Pay provision. I well recognize that I have a very low income, but I think that I was given a one-sided look at my credit worthiness. The XXXX intake worker did ask the amount of my rent or mortgage payment. I told her " XXXX '', since I own my home. They did not ask any other financial questions -- assets or debts. Had they, I would have told them the following : I own approximately XXXX acres of land, have XXXX ownership in another home on the land, have a CD at a local bank, and money in my checking account at XXXX banks ( XXXX in XXXX KY and another in XXXX KY ). I have no debts. Also XXXX or XXXX times I told the Citi employees that I am in good standing with XXXX credit cards ( XXXX and XXXX ) for which I have always paid my balance monthly. I offered to give them my account numbers. They did not want this information. 

In my later reading a bit about the Federal Card Act time and time again was the statement that any credit card issuer must do " a review of the consumer 's income or assets as well as current obligations ''. Thus I think that I was not treated fairly by Citi in my telephone application process for their Double Cash Back Card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I banked at Suntrust Bank for nearly over a dozen years without incident. Moved another business account there. After moving that account there, I was told to close ALL my accounts - checking./Savings & credit cards. It appears that one officer of this business has negative credit with Banks. I removed that person and severed all relationships. However, SunTrust has discriminated against me because of who I used to associate with. By closing my Credit Card, it shows on my credit bureau as " Closed Account by Creditor ''. This has adversely affected my credit standing in an immense way. I am asking that SunTrust reopen my credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed Chapter XXXX in XXXX 2015 ; discharge XX/XX/2015. Between XX/XX/2015-XX/XX/2015 I had accounts that were under the Bankruptcy Stay. I disputed XXXX XXXX, XXXX XXXX, XXXX, and XXXX. XXXX, XXXX and XXXX XXXX were all reporting Charge OFf or key derrogatory as the status between XXXX 2015 and XXXX 2015. The account 's coding was never corrected by Experian at all. This is negatively affecting my credit it dropped about XXXX points. They also blocked my ability to dispute which is my right under FCRA. The disputes are not frivolous inasmuch as I have sent documentation each time. They just chose to ignore it and close out the investigation without due diligence of the investigation. I am attaching the negative reporting of XXXX and also the blocked access. I need this corrected. They can not simply ignore the documentation. They must update if I am providing proof. This is my right under FCRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed chapter XXXX bankruptcy in XXXX. At that time I reaffirmed my mortgage with XXXX Company. XXXX sold my loan to XXXX XXXX around XXXX. On XXXX XXXX XXXX XXXX XXXX sold it to Green Tree. I recently noticed that Green Tree is not reporting to the XXXX credit bureaus. The first rep that I spoke with told me they did n't have the reaffirmation papers, the XXXX rep said they have them and transferred me to XXXX rep who told me that I need to reopen a 10 year old bankruptcy and reaffirm the debt with them. I asked to speak with a supervisor and was transferred to a generic voicemail. I have contacted an attorney regarding this issue. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: A bank account was opened in a Wells Fargo bank in XXXX XXXX, California in my namewithout my knowledge. I was a victim of identity theft. For two years the person said I worked for XXXX for him as a care giver He had a direct deposit of the checks placed in a Well Fargo account .At the same time I was in negotiation with the IRS to settle for back taxes owed in the years XXXX and XXXX. They said that I did n't report the income earned for these two years. The settlement agreed on was denied as a result of the identity theft. The XXXX XXXX police arrested and convicted the person involved. The police showed me forged signatures of an account opened in Wells Fargo bank .I contacted WFB and they say there is no account in their system that matches the detectives findings. The fraud claim was denied by WFB. The case number is XXXX. They sent me a letter on XXXX XXXX XXXX to contact XXXX XXXX. XXXX times I tired to reach her. No phone call back I have contact XXXX XXXX a higher up supervisor. No phone calls have been returned. I want my name cleared with a letter to the IRS and SS. {$25000.00} was stolen from XXXX in this fraud and not XXXX person seems to want to help me .I have proof from the police report, SS and the IRS and WF refuses to admit wrong. I 'm XXXX, living on {$1100.00} a month. I need help. I do n't have the resources to fight them. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have lived at XXXX XXXX XXXX for XXXX yrs there r judgements on my credit report from different addresses that I never and couldnt have lived at. These do not belong to me 

Company response: Company chooses not to provide a public response
Consumer complaint: Focus Receivables Management keeps calling my cell phone number, when I call I get a person who can not even speak clear XXXX. I tell them I am not receiving letters from them, so obviously I do not owe them any money. They insist I am the person owing money. I have no debts to them. 

Company response: Company can't verify or dispute the facts in the complaint