AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I received a XXXX day late notice on my credit that was reported by US Bank. I disputed with XXXX and XXXX but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized US Bank to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. US Bank took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... XXXX years since I requested it to be closed. US Bank is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the XXXX day notice. US Bank has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that US Bank could have provided a coutesy removal of late notices but did not contact them in time ... US Bank is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of US Bank but XXXX XXXX was unwilling to protect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: As part of a bankruptcy proceeding any American citizen is protected by Constitutional mandate. Bank of America has decided to follow a different course of action than any other creditor pertaining to my Chapter XXXX discharge of creditors. As I have submitted, Bank of America followed through a due process on my initial dispute on the carrying of balances on discharged debts. Bank of America re-inserted balances on XXXX ( XXXX ) lines of credit since they initially placed balances at XXXX from my initial dispute. 

Bank of America must file a release of any judgments filed against XXXX XXXX XXXX immediately in the county of my jurisdiction, XXXX County, New York. 

Bank of America must show a payment history of all late payments dating back from the inception of all accounts, and delete all accounts if a late payment occurred 84 months or greater based upon the 7-year rule mandated by the Fair Credit Reporting Act. 

Bank of America my XXXX out all account balances immediately as part of the bankruptcy judicial process, since under Federal Deposit Insurance Corporation ( FDIC ) Rule XXXX, the debt discharged through bankruptcy was listed as a sub-standard debt, written off or charged off by legal statute, and applied on a XXXX SEC quarterly filing on written off debt. 

Bank of America id " Double Dipping '' by maintaining balances on XXXX set of books, after applying all legal tax remedies through a XXXX SEC filing for written off debts. 

Bank of America must delete all aspects of past accounts if the XXXX month calculation is applicable, or the accounts will be considered re-aged, an FTC violation of Fair Credit Reporting Act protocol and Fair Debt Collection Practices Act processes on legal collection practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: Misleading and deceptive practices by US Bank regarding 0 % interest balance transfers. I was offered a 0 % balance transfer and told, after explicit questioning, that I would not be subject to any interest charges if I paid the monthly new purchase amount plus the minimum payment amount. However, even though I complied with what I was told by their representative, US Bank started charging me interest on the new purchases amount. They may hide this information in their fine print, but they mislead consumers in what they actually tell them regarding their balance transfer offers. Their claim of a 0 % interest balance transfer is misleading and deceptive because what they do not tell consumers is that you can not avoid interest charges unless you discontinue use of the card. US Bank did apparently remove the interest charges and I have discontinued use of the card, but my complaint is again, their misleading and deceptive practices. I initially started my complaint with US Bank in XXXX 2015 after discovering they were charging me interest for the first XXXX months following the balance transfer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am currently residing in XXXX and would like to get my annual ffree credit report. But the website is not available from myLocation. I called the number given XXXX, butThere is no assistance to talk. The access to website mustNot be restricted from the location where I live. Let me knowthe best way to get my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am unable to reach anyone by telephone for XXXX of my private educational loans for law school. Specifically, the loan disbursed in 1998, with the account # XXXX, by The Access Group ( XXXX ) had me on hold for over 20 minutes before I had to hang up to work. 

I have had trouble with many aspects of the servicing of this loan, including not being able to reach the servicer to learn the balance or what is going on with this loan. I believe that excessive interest has been and is being charged on this loan for a variety of ongoing accounting errors. 

Please have someone from The Access Group contact me and require that it provide telephone numbers where people actually answer the call who can answer questions about my loan in a reasonable amount of time. Please also procure a significant discount off the loan for their failure to provide access to personnel who will answer questions about it and increase the amount of the discount with each recurrence. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this debt with XXXX since XXXX. I have sent multiple requests to verify the debt. XXXX has refused to respond to the certified letters I sent on XXXX and again on XXXX. The credit bureaus removed the item, but now all of a sudden it 's appearing again. This debt is not mine, I have not signed a contract or anything to business with XXXX. Please remove this from my credit. It 's been almost a year and XXXX has not responded to any requests. The law provides for removal of the item if you do n't respond and it 's been nearly a year. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo has delayed the review of our re-finance of house. Application was submitted in XXXX and we just found out they denied. They constantly asked for the same info over and over again. 
I was constantly calling them with no response. The manager said she was sitting at different desk that 's why she never replied!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Consistently calling me at work even though I told them that I can not take calls at work 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a primary home mortgage through Wells Fargo in the XXXX of 2014. After reviewing my credit/income information, WF issued me a commitment letter for the purchase of my home dated XXXX/XXXX/2014. It was a 15 year mortgage with 20 % down and a 3.625 % interest rate. Closing was scheduled for some time in XXXX. Just before closing, WF told me that based on the appraisal report, I was required to bring {$500.00} to closing and put siding on XXXX side of the property ( I have never heard of an appraiser requring work to be done on the property ). I objected to the last minute notice and the additional monies I would need. The WF rep told me that I could put 15 % down, pay PMI and a slightly higher interest rate to fund the siding and additional monies required at close. I refused their offer. About a week later, just as I was about to put siding on a house I did not own, WF told me their underwriting unit rejected the loan application because I did not provide suitable comps, even though comps had been submitted to them months ago. Closing was pushed back yet again. Additional comps were provided, but those comps were deemed unsuitable. I was never told why. I then asked WF whether they were rejecting my loan and that I would need a written rejection to get my XXXX security deposit back. They would not respond. I pursued a loan with another lender, and settled within three weeks. A few months later, WF officially rejected my loan due to my credit ( although they had already approved me through a commitment letter ). I believe that the entire process was a scheme designed to suck me in with a great interest rate, and then at the last minute claim I had to come up with more money to close, thereby getting me me to lower my down payment, pay PMI and a higher interest rate. WF 's deceptive sales practices caused me to incur additional moving, storage and living expenses in the amount of $ XXXX. Plus, I paid additional appraisal fees to XXXX lenders ( approx. {$500.00} ). 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, XXXX XXXX, complaint against Bank of America loan provider, XXXX, loan sent to them by Bank of America, and XXXX. 
My brother had a loan with them for about ten years payment XXXX mo. he paid every month XXXX towards loan. Contacting B of A. in XXXX of XXXX to redo his mortgage with a payment of XXXX. In XXXX of XXXX he sent back the papers to the Bank with them coming back saying it was not his signature in the papers but XXXX had XXXX making is writing some different but ledgable.. We went to a legal aid office in XXXX NC for help. XXXX XXXX XXXX was the attorney, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX. We asked for help with Bank of America she has a lot of problem with B. of A. they would hang up on her never returned calls asking for odd info this kept up for a year into XXXX. No payment have been made since then due to me trying to get a reverse mortgage. 
There was so much pressure on my brother that XX/XX/XXXX he gave up stopped his meds and then passed on the XXXX of XXXX XXXX. 
***** The rest of the information and finishing giving you all the important fact is continued on a PDF I have included along with lots of info from these companies and attorney. I did this as per speaking to your office earlier today. 

Company response: Company chooses not to provide a public response
Consumer complaint: When I phoned back the XXXX number on the collection call, the person was abusively rude. I told him the person he was looking for has n't worked here in years and to take my number off, and that I thought it was illegal to disturb business with his call, he said that " he knows his business '' and " what are you gon na do? what are you gon na do? what are you gon na do? '' and repeated it in an aggressive manner many times. I finally interrupted and said, " report you right now '' and hung up. The company was Commonwealth Financial XXXX at XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: my name is XXXX XXXX I have never lived on XXXX XXXX in ohio my ex husband married a girl that lived there her name is XXXX not me XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Constantly being called about fictitious amounts on a credit card that was supposedly canceled years ago. I have no clue why there would be a charge, I cant verify what any charge would be from, and I cant verify who exactly is calling me. The last call received was from XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX, my employer received a call from a man who identified himself as XXXX with the XXXX XXXX PROCESSORS OFFICE.. XXXX XXXX XXXX XXXX XXXX, FL ) XXXX This call was recorded ) caller # was XXXX/California XXXX, he ask what the companies policy was on employees being served on there job, then provided a CASE # XXXX and # for me to call back to the Administrator of the file XXXXgiving Third party discloser to my employer **** -- -- -- -- -- -- -- -- -- -- On XXXX/XXXX/XXXX - When I returned to work and was provided with this information I returned the call XXXX and spoke withXXXX XXXX with XXXX @ XXXX, He did not provide Mini Miranda, and did not identify himself as a debt collector, however told me I had a pending Civil Case against me? I ask am I being sued, he said yes! He said they sent me papers to process services in my local jurisdiction? I ask for the documents to be faxed to me, he said no they are out for process service, and the next thing I receive will be a summons? XXXX This company will not provide me anything in writing which I have ask repeatably by fax/mail ... I ask what the charge off date was and was told XXXX, however this is a old Juniper Bank Visa sold to Barclays Bank and charged off in XXXX XXXX well beyond any statue of limitation XXXX where I currently live ) I called Barclays bank they sold the account to a debt buyer in XXXX. I can not find anything on this company they claim to be XXXX out of California. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is in reference to XXXX number : XXXX with Wells Fargo not responding to my request or to my realtor. Wells Fargo says they have made several attempts to contact with me with the last letter being date in XX/XX/XXXX. Since XX/XX/XXXX I have attempted many times through email, phone to contact Wells Fargo. Each time my specialist who is supposed to be working with me is changed. If this is only letter the sent in XX/XX/XXXX, it is now XX/XX/XXXX. I have had XXXX different specialist, none of which respond back to my case, except to state they are no longer on my case. Today at XXXX on XXXX/XXXX/2015 once again called and have a new specialist : XXXX XXXX . I am not sure how to spell last name. She assured me she would call me back Friday. She did n't know much about the case except it showed was working on short sale. As for the short sell, they keep telling my realtor and I that I owe XXXX I only owe XXXX on the home. Its like they have a totally different person they are speaking with. There is another XXXX XXXX that lives in same town I do. If you look online, according to online stats, XXXX XXXX 's home has already went to court and been foreclosed on. I have never received a notification like this of any kind. XXXX from Wells Fargo said there was no record of foreclosure. So this makes me wonder if they are combining the other persons case with mine. I am not sure what kind of house the other person has, but my home is only worth about {$50000.00} if that. Its old and needs repair, but Wells Fargo will not even look at the home to access it. So how do they know they have the right place. For all I know this other XXXX XXXX could be in same boat I am and they are doing the same thing to her. I think I will get with this other person and see what situation they are in. I am sure there are many people in same boat. Wells Fargo keeps stating they try to get in touch with us, but we are the ones getting the run around. New specialist every month, that specialist has no clue what is going on. and process starts all over again. They responded by saying I have not paid. True, I have had finical hardship due to medical issues and they house in need a major repair, which every time I have tried to talk to Wells Fargo they can not help in any way. No matter how much you try to explain to them the situation or explain the loan is only for XXXX, they say they need XXXX. I am not sure where they get that. Even my realtor can not understand it. I think I shall just get a Lawyer and file XXXX or get with other home owners who have been through same and file civil suit. Obviously there is no other solution. Wells Fargo is the one who will not work with us, not the other way around. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I took advantage of a promotion in the Macy 's men 's department at their XXXX, OR store where I would receive a XXXX % discount if I opened a revolving charge account. So I did, and promptly paid the full amount of the charge right there at the checkout stand. Several months later, I receive a statement that I owed more than {$500.00}. Upon investigating, I discovered that the account was charged XXXX for the same purchase. Once at the discounted price of {$390.00} that I paid on the spot, but then the charge at the full price of {$480.00} was also added for the same transaction. I never received a statement until several months later to discover the account had been referred to collections and more than {$100.00} in late fees and interest were also added. After trying for several weeks, and speaking to dozens of customer service representatives, I am compelled to file a formal complaint against Macy 's and their predatory credit practices. They lure customers to open usurious revolving charge accounts with discounts at the time of purchase only to rip-off consumers with false charges to their accounts and then charge outrageous late fees and penalties, referrals to collection agencies, and incur deleterious impacts to their credit scores without providing consumer-friendly, effective means to redress the problems. 

Company response: Company chooses not to provide a public response
Consumer complaint: Was not provided with a TRUTH IN LENDING DISCLOSURE or a HUD prior to sitting at the settlement table. I do have copies of several emails I sent requesting this information beginning 14 days prior to the scheduled settlement date. 

Company response: Company chooses not to provide a public response
Consumer complaint: A debt collecter from Quantum Collections called me on Wednesday XXXX XXXX, 2015 at XXXX. The represtative did not fully verify that she was speaking to the right person before she disclosed information about the debt. She only verified me by first name then she identified herself, the company who they were representing and the amount of the debt. After she violated not only the FDCPA, but also HIPPA I told her what she did and asked to speak with A manager or the call center director she said XXXX would not be available until after XXXX. The representative said she would pass my information along and have someone call me. I immediately sent an email. I did not get a response back from the company until Tuesday XXXX XXXX at XXXX after I sent another email the director of operations called me and said that he could not pull the recording and he had not spoken to the representative and what typ of resolve would I like. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a loan that is now well over 30 % LTV and the lender still will not remove the PMI 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX account listed on my credit report with XXXX TransUnion has been paid and closed since XXXX 2007. I would like this account removed from my credit report as it has been over 7 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have submitted numerous complaints. Nothing happens. I recieved a call regarding reporting me 90 and 120 days past due. LIKE I told XXXX before he hung up pn me, I was told in XXXX that it would take 2 weeks for the MODIFICATION. I asked him check the recirded line! He says he does n't believe me! I would n't be hassling this for over a year if it wasn ; t true CHECK THE RECORDED LINE WELLS???? 
Also when I paid XXXX XXXX and XXXX it just kept the late notice going higher and higer. My payments for the modification was never ever ever acknowledged on my Credit Ratings! It looked to the public that I was still not paying. 
This is personal and I will continue to keep this active until the take accountablility from the beginning! 
Im sick of all the hours and time on this. I am very tired of some people being RUDE to me or Hanging up on me. What kind of Bank is this!!!!!!!!!! 
Because you have n't done what should have been donbe pertaining to this modification you have caused me hardship and stopped us from doing anything with our credit. Thats you fault and liability! 

XXXX and XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: i applied for a loan with one main financial serval times because every time there an issue my score or my income is low and also same thing with my mother also they are the worst company everthey should not be in business.it what this company is pullingalso they act very nasty also 

Company response: Company chooses not to provide a public response
Consumer complaint: The Fair Credit Reporting Act was established as Section Nine XXXX 9 ) of the 1970 Currency Act, otherwise known as Public Law 91-508, and subsequently amended many times. It was established to protect consumers as well as the commercial banking industry. It also establishes a playing field for full disclosure on the validation or verification of credit trade lines or items of public record. 
An item of public record being a judgment granted to a creditor against an individual, having the right of being on a credit bureau, that are part of credit reporting agencies ( CRA 'S ). These items have a right to stay on one 's credit report for XXXX XXXX 10 XXXX years from the date the judgment was granted. However, several changes have been accomplished recently based upon rules on re-aged debts. 
Bankruptcies have a right to be maintained on credit bureaus for ten XXXX 10 XXXX years, be it a Chapter XXXX or Chapter XXXX petition. 
I personally, as part of my right under the Fair Credit Reporting Act have a right to know where an item of public record originated from, such as a public record vendor. It must be presented to me who the public record vendor was, their contact information, and a person XXXX s ) responsible for the maintaining of any true copy original of an item posted against me on any credit bureau ; i.e., Experian, XXXX respectively. 
Accordingly, I have submitted a request for full authenticity of a bankruptcy posted against my credit bureau, and that no disclosure has been submitted to me as to where this information originated from. 
I respectfully request that since the credit reporting agency in question has failed to live up to the high standards of the Fair Credit Reporting Act, that this bankruptcy listed be deleted permanently. 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion credit bureau has had an account on my report listed as " in dispute '' status for over XXXX months. Because of this I have been unable to secure a mortgage as the lender will not issue a mortgage to anyone who an account shown as " in dispute ''. They have been unable to tell me why it remains in that status and show no inclination to change it. 

Company response: Company chooses not to provide a public response