AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I transferred a {$6700.00} balance to my Barclay XXXX credit card in XXXX, 2015. I transferred what I thought was that balance plus some ( {$6800.00} ) OUT of the account 14 days later. Now EVERY SINGLE MONTH since I 'm charged interest on that Barclay card even though I pay off my statement every month. When I called the card company, they said that even though I transferred out the amount that I transferred in, they see it as I still owe interest on that money. They said that the only way to make it go away is that I pay off my statement balance AND any transactions that occurred AFTER the closing date of that statement balance. In other words, PAY MORE than what my ending balance is every month. They have credited me back the interest so far, but I have to call them every single month to get them to do that. There is something seriously wrong with this practice and it almost seems illegal. 

Company response: Company chooses not to provide a public response
Consumer complaint: I want to hereby denounce Eastern Account System Inc. for continuing to violate the FDCPA and Experian for continuing to violate the FCRA. 

Eastern Account System Inc. 

On XXXX XXXX, 2015 I wrote to Eastern Account System to dispute the account being reported by them on my XXXX credit report, and I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. ( Letter enclosed ) Eastern Account System responded by sending a copy of a computer statement printout. ( Answer and computer printout enclosed ) A computer statement is not a Validation of Debt, and once again I demanded that the collection agency obtain verification of the debt. 

Eastern Account System responded with the exact same computer statement printout. ( Answer and computer printout enclosed ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America did an unexpected or unauthorized automated payment from my personal account to my inactive past due small business credit card account that had been inactive for months. The amount of the transfer is {$490.00} and happened XXXX XXXX, 2015. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I have a vehicle loan from XXXX XXXX XXXX and last year I was late on one payment mostly because I used to pay my vehicle loan bill with my mortgage and I had refinanced my mortgage and I did n't have to pay that month. Unfortunately I totally forgot about my XXXX XXXX XXXX bill. But as soon as I realized that I paid the bill for the last month and the current month. I was n't notified by XXXX and I had paid the bill before I got their call. On call they said that they will be reporting it to Credit agencies as it was past 30 days. I said it 's fine and I assumed that it will probably be a minor hit as it was one missed payment in 3 years since my loan began and probably the only missed payment since I started paying bills. But I had no clue that my credit score will go down from XXXX to XXXX. Next month we decide to buy a new home and applied for the pre approval. I was shocked to find out what my credit score was. Based on the credit score and just one missed payment, I was being offer a much higher loan rate but I was told that it will be fine by the time we purchase the house as it was still XXXX months away. I was also advised to talk to XXXX XXXX XXXX to see if they could resolve it with credit agencies. I called XXXX XXXX XXXX XXXX times and they never resolved it. On my last call with them, they asked me to raise a complaint with all three credit agencies and they said once credit agencies follow up with them, they will resolve the issue. I went to all three credit agencies and opened the dispute. But I have never heard from them and my FICO score as of today stands at XXXX. And this is all because of one missed payment in 10 years. Since then I have paid all my bills on time and it 's been almost 9 months since I missed the payment. But the credit score is where it was. Now it 's time to close my new home and I had to settle on higher interest rate because my FICO score is low i.e. XXXX. This does n't sound right to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Frequent phone calls, multiple times a day/week. I have gone to their website and submitted a request XXXX ) to be contacted via writing ONLY. I have done this about XXXX times. I have yet to recieve anything in writing from them since my request. The frequent phone calls are disrupting my work. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have previously disputed address with Experian and it seems to never really come off. I am once again disputing address information which is and has not belonged to me. These following address 's please remove them from my credit report:XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, I have attached a letter of deletion from Debt Recovery service which I have previously sent to Experian and yet the collection entry still exist on my credit report with them. Please remove the collection entry and the XXXX address that I have previously asked you to remove from my credit report. I have attached the deletion letter, Experian credit report with the deleted items that needs to be removed circled. I have also filed a police report with the XXXX Police Department for ID Fraud and I have also attached that to this dispute. It is apparent that there is someone using my name and social security number. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a XXXX trying to stay in my home. I am in active foreclosure and filed for bankruptcy. I am waiting a reply for results of a RFI my attorney sent to Wells Fargo for the foreclosure which asks for an explanation as to why Wells Fargo can not provide an account for the history of my mortgage during XX/XX/XXXX-XX/XX/XXXX. I have sent QWR 's 2 years ago, in an attempt to get an explanation for servicing issues discovered in my mortgage and the loan balance was due to pay down in 18 - 24 years as stated to us during the mortgage application process with the bank process XX/XX/XXXX. As of XX/XX/XXXX foreclosure process the mortgage balance was not on course for this to happen. A recent reply from Wells Fargo to my attorney 's RFI, during our now pending bankruptcy process, states that mortgage information for the time frame XX/XX/XXXX-XX/XX/XXXX was not obtainable. I need Wells Fargo to provide me with an amortization schedule from the beginning my loan XX/XX/XXXX to present in order for the amount owed to be verified. I paid many years of double payments. Wells Fargo replied ; they lost 4 years of history but they claim the amount owed can be verified. During the foreclosure process they perjured themselves when they claimed the mortgage amount owed had been verified and have sworn to this fact. They told the courts they have all my records. How can they have verified this amount due as true if a 4 year history is not present to do so. Also during the course of this time frame many extra principle payments were made in order to pay down the mortgage sooner which need to verified as well. See attached QWR replied from Wells Fargo and recent RFI reply as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an account listed on my Experian report that is not mine. I contacted the company, XXXX XXXX XXXX, and they have no record of an account. I tried to dispute this with Experian and keep getting a message that they would not investigate this. I need your help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have attached a letter of deletion from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I have previously sent to Transunion and yet the collection entry still exist on my credit report with them. Please remove the collection entry. I also am diputing the different variations of my name. I am only and have only been known as XXXX XXXX XXXX. Please delete the other variations. Also, I have never ever worked at XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, My name is XXXX XXXX XXXX XXXX - Original Account # XXXX had an account with XXXX XXXX XXXX for a mobile line, back in 2011. They started raising their prices so I closed the account and paid off what I was told. 
Four years later, XXXX XXXX XXXX reported this account as none paid, to a collection company named " Enhance Recovery company '' ; which reported this account to the major credit bureaus as none paid and damaged my credit in a greatly manner! ERC did not contact me by phone or mail. When I recently contact them ( ERC ), they told me that they were trying to contact me to the phone number that was given by XXXX XXXX XXXX, which I closed back in 2011, so would they contact me? Now, that BAD account will be in my credit report for many years. 
Just this pass week, I called them and I settled a payment in full to get rid of this account. However, they said ( XXXX XXXX XXXX and ERC ) that they can not erase it form my credit account. Is there any way that I could do that? I would appreciate if any company could get in touch with them and inform them that is not right just to damage someone 's credit with out any contact with them. Below, is ERC information:XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX Toll XXXX Hours ( Eastern Time ) :XXXX XXXX XXXX advance, thank you so much for your time. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Innovative Credit Solutions is still reporting a debt on my credit report in which they have not provided any information, this company calls and threatens that they are sending me documentation from the clerks office this company does not provide any information this is a collection for XXXX bank in which XXXX bank has removed this account from my credit reporting due to the factor its been over XXXX years since the last payment was received this company provides nothing to me this is my XXXX complaint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My parents credit information is on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit report contains my parents information 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX address in XXXX appears in my known addesses- I have never lived or used a XXXX tgere 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX XXXX, I purchase a ticket from XXXX XXXX via online in the amount of {$350.00}. Unfortunately, the ticket was not issued to the passenger so the passenger had to purchase the ticket using her own debit card. I then contact Navy Federal Credit Union, and talked to customer service, then was informed to contact the merchant, XXXX XXXX regarding the charges. Apparently, I contacted XXXX XXXX and talked to the agent. He informed me that there was no payment that was made due to the ticket not issued. On XXXX XXXX XXXX, I contacted Navy Federal Credit Union, and talked to XXXX, Supervisor regarding payment that was made to XXXX XXXX since my checking account showed a minus. I tried to explain to her about the matter between XXXX XXXX and Navy Federal Credit Union. She informed me that XXXX XXXX needs to provide me a letterhead to Navy Federal Credit Union to say not going to pay funds. I told her that is not what I was told in the first place, and that I was going to file a complain with CFPB, and she said go ahead and make sure my name is spelled correctly. This was uncalled for as she was negative and unprofessional including rude talking to a customer that has been with Navy Federal Credit Union for years. Again, I contacted XXXX XXXX and talked to the manager and was told that a letterhead does not need to be provided and that does not change because I was not charged for the ticket. I need to contact the Navy Federal Credit Union letting them know. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I obtained a secured credit card with Citibank XXXX years ago to enhance my credit score. The trade line on my credit report had perfect payment history. My vehicle was stolen along with my wallet in XXXX 2015. All of my credit cards were replaced. The stolen card and replacement cards for Citibank were accurately reporting until XXXX. XXXX credit bureaus have verified that the account was deleted by Citibank " due to fraud ''. I have contacted the bank numerous times to please re-enter the cards because it is adversely affecting my credit score. Several account managers have advised me of ways the company would correct the mistake. I received a letter attesting my account and payment history but it has not been rectified on any of my credit reports. The last person I spoke with on XXXX/XXXX/2015, XXXX XXXX, executive assistant at Citibank, assured me that she would personally call her contacts at each bureau and fix the problem by close of business on the day we spoke. I have left several messages for XXXX XXXX and have not received a return call. My credit report has not been corrected as of this writing. The account is open and current. 

Company response: Company chooses not to provide a public response
Consumer complaint: After I was divorced, my ex Wife XXXX XXXX XXXX, applied for a Government back refinance of our old home, Bank Of America approved her application. At the time Bank of America sent me via XXXX documents to sign, which I DID NOT SIGN OR RETURN TO THEM. I still have the documents. 
They still approved her loan and she has been paying it on time and in full for XXXX years now. 
My complaint is that Bank of America lists loan number XXXX on my Credit Report, and despite multiple letters, refuses to remove this mortgage from my credit report. Making it look as if I already have a mortgage. And preventing me from buying my own VA financed home. Again today I was almost pre-approved for a home loan, but that house pops up. Paid on time and in full every month. But I DID NOT sign the loan app and it is not mine. And does not belong on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I never signed nor endorsed any contract or applications that gave authorization to this company that created multiple inquiries into my credit profile. Someone has unlawfully used my name, unambiguous information and endorsements. Additionally the company did not have a permissible purpose to inquire into my credit profile. These inquiries were done without my knowledge, authorization, consent and or signature. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank Of America refusing cancel my PMI without expensive appraisal even so my principal balance of existing mortgage is below 75 percent of the original value. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a XXXX XXXX account from XXXX XXXX, XXXX through XXXX XXXX, XXXX. From XXXX XXXX through XXXX XXXX. They reported I was 30,60,30,30,60,90 days late. Which shown up on my TransUnion report. It shown bad marks from them on my XXXX report. I do n't have access to the XXXX credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I sent a dispute to Transunion disputing an inaccurate account balance, results came back that they verified the account, I then sent a method of verification letter to them on XXXX/XXXX/2015, they sent sent back a frm letter stating what the process is, I was not given the data furnishers name or contact information. I have the original documents and certified mail receipts sent to transunion that can be faxed in for proof. My next step is filling a lawsuit. The only acceptable outcome now is for the lien t be deleted 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a customer at Bank of America and enough is enough!!!!!!! I have told Bank of America on more than one occasion that I DO NOT WANT OVERDRAFT " PROTECTION ''. I had to leave town on a emergency and due to posting delays ( I made those charges of Friday but they did n't post until Monday ) I over estimated how much money I had and due to my withdrawal on Sunday before I left town my account went into overdraft on Monday while I was out of town. I read up on the laws and what the bank promises and they say that they will not charge fee 's for non recurring items and bill pay. I had XXXX items post while I was out of town XXXX for XXXX each and XXXX for XXXX and of course I was charged XXXX for each item!!! I know Bank of America and the other banks are a business BUT this is unconscionable and I do n't know why it is acceptable for the banks to act this way? I researched state usury loan shark laws and the most any state allows someone to charge in interest is 45 % in the state of Colorado. Why are banks not forced to charge a percentage of the over draft amount???? Is it fair that a person that overdrafts by {$1.00} and a person that overdraft by {$1000.00} pay the same {$35.00}??? Also I am reading that bank believe that they dont have to abide by lending interest rate laws because they claim overdraft items are not loans. I beg to differ if I dont have XXXX to pay for an item and YOU, BANK OF AMERICA. Chooses to pay for that item for me WITH THE EXPECTATION that I must pay you back THAT ABSOLUTELY IS A LOAN!! And what they are doing is illegal and there needs to be a class action lawsuit, its very simply if I dont have enough money in my account I DONT WANT YOU PAYING THE ITEM FOR ME!!!!!!!! They continue to do this because the law is not forcing them to act in a decent and equitable manner. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a home rebate credit card with Wells Fargo to accept a 0 % offer and accepted a balance transfer offer included in that. Upon receiving my card the balance transfer was not processed. I proceeded to complete it online with no complaints, but then inquired via phone first to ensure that my balance transfer would apply towards my home rebate offer. They confirmed it would not so I explained that I would not want the balance transfer to be processed. The representative assured me there was no balance transfer processed on my account, however days later I learned from my limited available credit they had processed a balance transfer to my other credit card. I called and advised I would need it reversed as I had not authorized it, or if so had expressed that I did not want it as they did not advertise that balance transfers were not included in the offer. They also had charged me a fee that I was requesting to be credited. Wells Fargo representatives informed me I would need to proceed with a fraud claim and be issued a new card and that would cancel the balance transfer made on the old card. I did that waited XXXX days to get my new card and the balance transfer amount of XXXX had been credited back on my card, but not the fee. I called again, and was told it can take 7-10 more days and I would need to wait. I did, however in the mean time I checked my account because I had made some rather large purchases and discovered not only had the applied the balance transfer fee again, but I now ( because of my purchases was massively over the credit limit ). I called again and this time was told I needed to contact my other credit card company ( XXXX XXXX ) because there was now nothing we could do. XXXX XXXX stated that they could have reversed it, but it was a small window, and the fact that Wells Fargo had given me the runaround for XXXX weeks, that window had passed. I called Wells Fargo again, where I was hung up on after requesting for further management to resolve the issue. I do not want my credit negatively impacted nor do I want to have the balance held with a company that does business like this. 

Company response: Company chooses not to provide a public response
Consumer complaint: Misleading and Guarantees made that could not be kept. In XXXX 2015 my wife and I had found a home that we wished to purchase. Before finding the home I spoke to XXXX XXXX and he pre-approved us. When we found the home we started the process for XXXX backed loan. XXXX assured us and even guaranteed that we would make it through XXXX even with our bankruptcy in the past. I was attentive to what XXXX needed and returned all items within 48 hours to him. During this process ( once it was to late to find a new mortgage company, XXXX started to be less responsive and we ended up missing our loan commitment date. XXXX XXXX kept us from going to XXXX and having loan commitment letter on XXXX XXXX like we where suppose to, this was not done till XXXX XXXX. I was vary clear with XXXX upfront about our past, I did not lie or hide anything and informed him when our current lease was up. Due to his delays we had to stay past our lease which caused expenses, by no fault of our own. Once XXXX started reviewing our file, they asked for documentation. I typed up a letter that explained our bankruptcy in more detail and called the XXXX XXXX office and Called XXXX XXXX XXXX Director of GA XXXX XXXX. XXXX ended up denying us, and XXXX never submitted the letter I typed up to them ( that XXXX requested ). When I spoke to XXXX XXXX and the XXXX XXXX, had that letter been submitted then they would have approved us and it did show we where less of a liability then we where when we filed for bankruptcy. So due to XXXX 's lies, incompetence, misrepresentation I am left with a lot of money lost, a forever home lost and expenses that I have to pay now that are not my fault. I have spoken to a few people and found that shortly before I began my process with XXXX Mortgage, XXXX employee 's walked out because of this same unethical behavior. I have also discovered that XXXX Mortgage claims to be a preferred provider for a lot of organizations, when they really are not. After speaking with parties involved in this ( minus XXXX Mortgage XXXX and my attorney, we believe this is a bait and switch style scam. I have all e-mails documenting my entire experience with XXXX Mortgage. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Currently I have an account with Bank of America. To be very Honest ; I love bank of america and I have been customer with them since XXXX. Up until recently I have never had any issues with bank of America. Until recently in XXXX when I cam across some financial difficulties which caused my account to go negative end up with higher then normal overdraft fee 's. Which I have no problem with paying ; because the over draft fee 's are to no one 's fault but my own. Hiowever now my account is overdrawn in the amount of XXXX well actually XXXX after the XXXX dollar transactions fee falls off. Of that XXXX XXXX are returned item fees and XXXX of that is overdraft fees. with a total of XXXX dollars and I think I am problem missing a XXXX of fees here. All in all I believe that my balance is XXXX. However when I contacted bank of America they state there is nothing they can do ; I think that is insane. Seriously the returned item fee 's I understand ; and I am fighting comed as we speak about submitting a payment XXXX. However the overdraft fees really. I think that is a bit much. 

Company response: Company chooses not to provide a public response