AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: i wrote XXXX checks and Ally bank bounced all XXXX and locked my account. When I called to find out what happen, a rep and a supervisor told me the checks were submitted on the morning of XXXX/XXXX/15 and my money transfer did n't arrive until the evening of the same day. I used Ally site to transfer money from my saving account at XXXX XXXX XXXX on XXXX/XXXX/15 and Ally locked up {$100.00} for transfer on that date. I made a second call the next day and was told by another rep the same story, I then asked to speak with a supervisor who then changed the story line and tried to claim the checks arrived on XXXX/XXXX/15 and the money did n't arrive until XXXX/XXXX/15 and that was the reason why they bounced. The problem is I have a print out from XXXX XXXX XXXX dating the money transferr to Ally bank XXXX/XXXX/15 and a copy of the check transaction dated XXXX/XXXX/15 from XXXX XXXX whom XXXX of the checks was written to, XXXX also states that all the checks had a transaction decline date of XXXX/XXXX/15. Why did Ally bank bounce the checks and lock the account when they had my money to cover the checks? I want to be reimburst $ XXXX+ in fees Ally actions has caused. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have been trying to get Citi Mortgage to work with us on some type of modification on our loan, we had a hardship and followed the correct procedures and worked with a consomer credit counsolor to get a solution to keep our home, It has been in my family over 65 years and I do not want to lose it. Citi Mortgage has played along like they are trying to help us but never actually do, they kept switching my contract person, I think I had a total of XXXX different people at XXXX time, I sent a Qualified Written request letter request some informaiton on our loan, they sent some info but not the main information that I wanted. 
We have went to court, In court I stated the only way that they are a debt collector and call us and state theya re trying to collect on the loan is if they bought our loan when it was in default. And that is exactly what they did, but when I ask for our assingment records they will not send me the documentation on it. 
everytime I have talked to them they state XXXX XXXX owns our loan. 
I am currently seeking the help of a local lawyer and will appeal our case, there are several things they did wrong. The Judge did not seem impressed with the laws that I had stated that were put in place to protect the home owners and her attitude was, I will let them win and they will still work with you to keep your house. Which I do n't think they will do, so I need to act quickly to the court and make them understand these laws and rules are put in place for a reason and if judges just dismiss them and do not abide by them what good are they? 
Any help you can give us whould be greatly appreciated. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Complaint Description : We 've received XXXX property tax bills within 2 months. We 're requesting they be paid from our escrow account but our lender is delaying the process. When we purchased our property we had to pay a significant amount to fund our escrow account. As a stipulation from our lender, and have the account impounded. Since XXXX we have paid each month into our escrow account faithfully and was advised by the representative who we signed our closing documents that we have overpaid and are still overpaying the necessary amount into escrow. To date our mortgage company has only made XXXX payments from our escrow account and sent us an overage check because we overpaid. In XXXX we received a supplemental tax for XXXX fiscal tax year with half due XX/XX/XXXX and in XXXX our new property taxes for fiscal year XXXX with half also due XX/XX/XXXX. We have contacted LoanCare on several occasions and have sent documents via fax, email and even certified mail to no avail. When asked who we could file a complaint with they say there was no one we could speak with but that the matter would be escalated. We had to go as far to contact our original loan officer in order to get a response and assistance and even now we are still at step one. After all the battling they are saying they will only pay half of the first supplemental tax bill but they will not pay the other half because the funds to pay the remaining balance would not be available which makes no sense according to their own calculations. Their balance of our escrow account is incorrect we were told by one representative and the title company that we have one amount and another that we have another. And they 've refused to explain what happened to the original amount we funded the escrow account with when we signed our closing documents. 

Company response: Company chooses not to provide a public response
Consumer complaint: Have disputed several fraudulent accounts on my credit report with TransUnion and submitted FTC Identity Theft Affidavit/Report ( OMB control # XXXX, FTC reference number XXXX ) but they have chosen to not remove all of the fraudulent account information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had made a deal with a credit card company to have fund taken out of my checking acct of XXXX a month until it was paid so they took out XXXX payment then sold to a collection agencythen took XXXX more payments of the same amount this was a XXXXXXXXlimit card at the time I made the deal I had like XXXX before theyhad late fees over the limit fee how can I be over my limit when I have maid payments now I have all paper work they took payment after they sold the note. 
Now they Are going to garnish my pay forXXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The XXXX travel company charged me over {$700.00} dollars. I called XXXX and they told me it 's for a travel tickets. I did not buy any ticket from XXXX and i dont know who is the person in the collector named and mention in the letter. And in addition I had already bought XXXX tickets for 5 days in NY from XXXX 2 weeks before this incident, not the XXXX. I called and claimed Unauthorized Transaction. XXXX investigate in 2-3 week and refund me the amounts they took from me. Today XXXX XXXX i received letter from their collector and try to collect {$250.00} which the debt is n't mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am Wells Fargo Customer Since XX/XX/XXXX and I always doing my banking with your bank. But today I had bad customer service experienceOn XX/XX/XXXX Monday around XXXX I went Wells Fargo Branch Located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( LAECHMONT VILLAGE ) get some foreign currency due to my travel for XXXX on XX/XX/XXXX when I enter your bank inside I asked XXXX ( assistant Manager Name tag on it ) I need get some foreign currency XXXX .He said unfortunately we are not issuing foreign currency after XXXX. I asked him is not possible and before I come I check with your customer service and they confirm you will able to get it done before XXXX.Afeter I saying that he went to asked counter and said for me I have {$300.00} worth of XXXX. So I said let me have that one at least. He refused to give me and he said this for tomorrow customers. After that {$700.00} I deposited via ATM machine and went home. 
he treated me very unprofessional. I feel like I been discriminates which against my race, color national origin .And also he not fully committed to providing your clients with service that is respectful and responsive. 
Please look in to this and please advise the above bank provides good customer service and it wont happened any other customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: It is a Best Buy credit card they call me everyday sometimes two and three times a day including Saturdays and Sunday and has been going on for the last 2 or 3 months I let them know that I am involved with a debt relief program for them to stop calling me and they have not stopped they call me Sunday mornings Sunday evenings everyday. It 's non stop 7 days a week. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America is reporting debt balance as due on credit report after XXXX was issued discharging the debt. 

I lost my house to a XX/XX/XXXX foreclosure with XXXX during the foreclosure mismanagement and mortgage practices documented by State and Federal investigations ( XX/XX/XXXX National Mortgage Settlement ). Prior to the foreclosure I opened a line of credit with Bank of America ( BOA ) in XX/XX/XXXX for house repairs and modifications. I became financially unable to continue the payments after the foreclosure for the BOA line of credit debt and the account was charged off in XX/XX/XXXX. 

In tax year XX/XX/XXXX, BOA issued a Form XXXX ( cancellation of debt ) in XX/XX/XXXX discharging the credit debt. I consulted my tax advisor and filed the XXXX with my XX/XX/XXXX taxes. I reviewed my credit report XX/XX/XXXX and BOA has a balance due for the amount that was discharged. I contacted BOA and was informed the amount is still due ( BOA issued XXXX discharging the debt in XX/XX/XXXX ). 

I submitted disputes along with a copy of the XXXX to the XXXX credit reporting agencies ( part of my dispute was the account is not a charge off but a discharge based on the issued XXXX ). XXXX was the only agency that did not report the balance. Fast forward to XX/XX/XXXX and I reviewed my credit report again which still reflects a balance for the discharged debt with the XXXX credit reporting agencies. I contacted BOA and was informed that they will not remove the balance to reflect XXXX ( BOA issued XXXX discharging the debt in XX/XX/XXXX ). 

I was advised by another entity to submit a complaint to the CFPB for assistance with BOA to reflect XXXX on my credit report after a XXXX was issued discharging the debt. I plan on submitting a second dispute letter to XXXX and XXXX XXXX within the next XXXX hours. I am a XXXX Veteran and did not use my VA loan to purchase the house that foreclosed in XX/XX/XXXX. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I made a request for VALIDATION of Acct # XXXXat SENTRY RECOVERY. The client has requested this account beclosed. Received a letter on XXXX/XXXX/2015 Stating this. copy of letter inside. It is XXXX/XXXX/2015 and this account is still being report to the credit reporting agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit history is rated unfairly. My oldest credit card is 30 years. I have had XXXX inquires XX/XX/XXXX and received a " C '' rating for this. I have XXXX derogatory comment with a notoriously fraudulent company. I have 100 % on time payments for over 30 years, credit utilization of 4 % and available credit of {$50000.00}. My credit score remains at XXXX, and as you know this is too low to receive good credit rates. For some reason there is discrimination against me with the credit reporting company. I am an older American and take my credit rating very seriously. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage with Wells Fargo ( Loan No. XXXX ) and first put my XXXX XXXX house ( XXXX XXXX XXXX, XXXX XXXX, OH. XXXX ) on the market in XXXX 2015. I have maintained this property since I was divorced and filed bankruptcy in 2000. However, due to the house needing repairs that were beyond my financial ability to handle, I applied for a short sale in early 2015. I was approved for a short sale and Well Fargo appraised the house at {$22000.00}, though I owed {$62000.00}. I re-located in XXXX of 2015 due to conditions becoming un-livable. There have been no offers or even buyers inquiring on the property at {$22000.00}. 
Wells Fargo then retracted my approval for the short sale in XXXX of 2015. I then submitted an appeal with my updated financial worksheets showing a deficit. I asked for XXXX of XXXX options : 1. a deed in lieu of foreclosure. 2. Reconsideration of the short sale and an updated appraisal of the house based on fair market value. 
I was approved for the short sale and an appraiser from Wells Fargo was sent to property. However, they refused to release an amount. My realtor & I received an offer for the property of {$5000.00} and submitted this to Wells Fargo on XXXX/XXXX/15. The following properties have sold in my area for the amounts listed : XXXX XXXX XXXX, XXXX XXXX was listed at {$29000.00} but sold for {$5500.00} XXXX XXXX XXXX, XXXX XXXX sold for {$7000.00} XXXX XXXX XXXX, XXXX XXXX sold for {$6400.00} XXXX XXXX , XXXX XXXX sold for {$4500.00} I received a letter from Wells Fargo dated XXXX XXXX, 2015 that the short sale was again retracted. When my realtor, XXXX XXXX ( XXXXXXXXXXXX XXXX ) called Wells Fargo to find out why she was told that I had a surplus in financials due to the following : They do n't count tithing as an expense. 
They have limits on certain categories as to how much I can count as an expense. 
The first reason seems like a violation of my religious freedom. The second reason seems impossible to meet. My realtor was told that a single person could only count {$250.00} a month for ALL automobile expenses ( gas, insurance and car payment ). I spend {$100.00} a month on gas, {$97.00} a month on car insurance and {$300.00} a month on a car payment. This limit hardly seems reasonable. 
My house is going into foreclosure after my attempts to work with Wells Fargo. I feel I am trying every attempt to avoid foreclosure and work with the bank but I am hitting walls. I would like to resolve this issue and allow the house to sell for what is fair market value. 

Company response: Company chooses not to provide a public response
Consumer complaint: Address I never lived at 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a loan with a company that has been continuous going up on my payments without my knowledge. Repossessed the car and still charging me as if I had the car will not answer any phone calls that have been made to attempt to clear up this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a problem with my mortgage modification from Bank of America that I wanted you to be aware of, and to see if there was anything that you could do to help. Simply, Bank of America significantly changed the terms from what I was offered and accepted for the trial modification to what they offered as the actual modification : Trial Modification Offered & Accepted XXXX XXXX XXXX, 2015 XXXX : Interest Rate 2.750 % Months to Pay Off Loan XXXX & I Payment $ XXXXActual Modification ( XXXX XXXX, 2015 ) Interest Rate 5.250 % ( +2.500 %, 92 % higher ) Months to Pay Off Loan XXXX ( XXXX, +17-1/2 years ) P & I Payment {$2200.00} ( + {$30.00} ) I accepted the trial modification terms as offered, thus avoiding formal mediation in Nevada 's Mediated Mortgage XXXX Program ( MMMP ) as part of my Chapter XXXX Bankruptcy. On XXXX XXXX, 2015, after XXXX successful trial payments, Bank of America sent the mortgage modification documents, but with the new terms. 
I signed the documents on XXXX XXXX, 2015 so that I could keep my home, on advice from my bankruptcy attorney. On XXXX XXXX, 2015, the Bankruptcy Court approved the modification, with it entered on XXXX XXXX, 2015. 
The question that I have repeatedly asked Bank of America, and that they seem incapable of answering is : Why did you offer XXXX set of terms for the trial and change those terms for the actual modification? 
Did Bank of America commit fraud or breach of contract with these bait-and-switch modification tactics - and does this constitute misleading financial practices? 
Am I just stuck with this new mortgage? Is there anything you can do to help? I would be more than happy to provide you with all relevant modification documents. 
Thank you for your time and consideration. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a residential mortgage with Freedom Mortgage for about 7 years. They collect XXXX per month towards escrow. My taxes and insurance come to XXXX per year. This should leave a surplus of XXXX per year yet every year I get a shortage letter and they can not tell me where my money is going. This is the first time I have stopped to research it and I am mad. I realize there should be a 20 % cushion but XXXX plus they want XXXX more as a shortage amount is absurd. I need someone that can get them to be accountable for every dime I gave them towards escrow as they will not communicate with me. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, 2013 bought TV at Best Buy - salesman offered Best Buy card. Told him did n't want credit card - he said only {$25.00} a month. Also bought a few small priced items, all of which no longer work. Recently BB charged me XXXX of dollars of interest on bill which was previously at {$2000.00}. Payment changed to {$75.00}, and now, they added hundreds of $ $ more in this month, payment charged to {$90.00}. Contacted by email first, said it was my understanding only {$25.00} and I was clear could n't afford more. They said pay them {$440.00} right away and they might " adjust ''. Went on live chat, said I do n't have it, and I can only afford $ XXXX/month. Best Buy rep then startled me by saying reason : I had n't paid Any payments on time. This is false. I pay ALL my bills, on time, and always have which my credit history shows. I asked him to email me the credit reports, reporting me late ( and how could I make other purchases ). Asked him 3 times, refused to answer, then said I should contact dept deals with XXXX and I would have to prove it?! I repeated request for his evidence and again gave email - Best Buy wo n't answer up. I am desperate for help because they are going to continue to add XXXX of dollars of interest each month and keep escalating month payment demands. I think they 're charging something close to 30 %. The TV I bought is now sold for about {$200.00}. The other small items might amount to {$300.00} in total. They have now escalated bill to {$3000.00} and continue to make it impossible. They are going to ruin my credit as there is no way I can pay these amounts which I question as legal. They have NOT reported to the credit bureaus in the last 2 years - not surprising since I never miss a payment or pay late. I am a senior citizen, recovering from surgery, and my wife is also a senior citizen, XXXX. I am totally willing to pay what I promised, and what was promised to me by Best Buy salesman - $ XXXX/month and with a balance capped at the original {$2000.00}. I feel like Best Buy is fraudulently duping senior citizens and not sure if this is even legal. XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I keep being harassed by this company. They call my cell phone very late a night and they insult me and describe me as a " not a real man ''. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: My wife and I acquired a " mortgage '' loan from Wachovia in XXXX XXXX. In XXXX, we found out that our mortgage agent ( XXXX XXXX XXXX ) was arrested and charged by the FBI for mortgage fraud. 
XXXXXXXXRecently, I went back to view and calculate our mortgage payments and found out that this loan is not like your traditional loan and we have been paying ridiculous interest charges for almost 8 years. 
This is a loan that pays on principal and interest ; however, interest accrues daily. Here are the issues. 
- XXXX XXXX, we had and still have great credit. Per the Wachovia loan officer, this loan was similar to a VA loan but " less paperwork ''. We got a mortgage loan for in the branch office with this agent ( she was the closer to ). We also got an equity loan on the same day. She pushed this loan into our lap. Home appraisal was at more than what we borrowed. Plenty of equity to get a VA loan with favorable terms for us. This loan is no longer available and there was know real estate attorney involved. 
- XXXX my wife requested a copy of the appraisal. Per the mortgage agent " file was thrown away '' - XXXX We have XXXX auto loans, XXXX checking accounts, XXXX different mortgages at Wells Fargo and no one will assist us with fixing the loan which they did not follow the law. After researching, we feel that they have violated the Home Ownership and Equity Protection Act of XXXX. This loan is no longer available ; hence, a type of predatory loan. I was told that the loan is an entire home equity loan. The front of the mortgage states that the payments are for 360 months. I just made a payment and our entire amount went to interest. So the 360 months is not true. As this is definitely deceptive and unfair, this violates the law. 
- As a veteran, as she knew, we should have been offered a VA loan or other loans with sensible financial terms and not this predatory loan which was sold to us from a crooked mortgage agent who lied to us. Now, we also think that we had a fraudulent appraisal. 
I have requested Wells Fargo to do their due diligence and go back and review our files. They are not willing to assist nor do they care. We are not looking for a bail out but expect them to be held accountable and fix which was done illegally. 
Thank you for your time, 

Company response: Company chooses not to provide a public response
Consumer complaint: I moved from my apartment XXXX in XXXX of 2013. I received the itemized statement of amount due ( attached ) totaling {$980.00}. 

Just 24 months later, IQ Data is attempting to collect {$5500.00} on this debt. An increase of over 500 % of the amount I owed. This is blatant manipulation of debt to collect much more money than is owed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo is constantly trying to add additional products and features to my account. I have a checking and credit card with WF ; they asked if I wanted to link the XXXX in the event of an overdraft the credit card would serve as my overdraft protection. They sold it as, do n't ever get denied at POS and do n't worry about paying returned check fees. Money transferred to the checking account to cover a transaction is done as a cash advance and paid at a higher interest rate. The credit card allows for a cash advance feature, which is just borrowing funds at the higher rate, but no charge. When money is advanced from the credit card with the overdraft protection feature, it is done so with a considerable fee. I think the fee is a way of WF layering fees and costs because they can. Obviously this is n't requiring anything more than electronically transferring of funds, which is a option without fees. Again, I can transfer money or take a cash advance at no charge, but due to an overdraft ( where I am obviously short funds ) I am being taxed by the fee and the additional higher interest rate. I think that if WF offers the " Protection '' they should be limited to collecting the higher interest on a cash advance and not be able to charge a fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a house with my husband in XX/XX/XXXX. He refinanced the mortgage without my knowledge in XX/XX/XXXX. He moved out and stopped paying the loan, forcing me to make payments from early withdrawals from my IRA. I requested a XXXX from the loan servicing company for tax purposes, but was denied this on the grounds that my name is not on the note. 

Company response: Company believes it acted appropriately as authorized by contract or law