AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Upon asking Bank of America in 2012 why they stopped sending me a monthly invoice they informed me it 's due to the fact that both of my credit cards had been moved to a Chapter XXXX Bankruptcy folder. The problems with this are, XXXX of the cards was found to be fraudulent. Which Bank of America took care of. The other is, I 've never filed bankruptcy. After bringing this to their attention I was told that all card accounts would be frozen until an internal investigation could be completed. I was to do nothing until I heard back from them. A lengthy amount of time passed and I did not hear back from Bank of America. I contacted them about it and was told that no payments could be accepted because the legal dept. said the account could not be worked. Some more time passed and I received a credit report update that Bank of America had charged off the account as failed collections and bad debt. No communication or collection attempts were ever attempted nor should they have been needed. Bank of America simply needed to correct their error and reinstate my account. Which of course they have n't. I 've done nothing but follow their instructions. Yet, they continue to imply that this matter is somehow my fault. I have engaged the help of an attorney and after lots of stonewalling Bank of America has acknowledged over the phone to myself as well as my attorney that this is a bank error. The legal dept. has opened the account to be worked and I 've started making payments but Bank of America refuses to remove the account being charged off for XXXX months from my record. I need help resolving this as Bank of America seems unwilling to do the right thing. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX in XXXX NJ offered 0 percent financing through a Wells Fargo Credit Card. While I offered to pay cash the store suggested I take advantage of the 0 percent financing. We charged approximately {$1900.00} for the furniture to the new Wells Fargo account. We paid double the monthly payment for about a year and owed {$200.00} on the account on the 1 year anniversary of the charge. When our statement came in the balance was {$610.00}. A {$410.00} interest charge was added because the account was not paid off completely in the first year. I immediately paid off the {$200.00} balance and contacted Wells Fargo. They would not remove any of the interest even though the account was paid in full within 15 days of the 1 year anniversary of the charge. I can not imagine how this could be a legal business practice. We were never made aware of what would happen after one year, and if we were, we would have never opened the account. We could have just as easily paid cash. I feel as if I have be mugged by someone on the street and my wallet stolen. Why is this practice allowed? 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an vehicle loan through Wells Fargo Dealer Services ( WFDS ) which I recently paid off ( XX/XX/XXXX ). Upon closure of the account, WFDS added a line to my account that said " Consumer Disputes After Resolution Closed Or Paid Account / XXXX Balance '' to my Credit Report. 

This is inaccurate - at no point have a disputed anything related to this account, and it has negatively affected my credit score, over XXXX points for TransUnion. I have sent a fax to the Wells Fargo Credit Dispute department asking for them to remove the line, and they have been wholly unresponsive after a month. 

I did write a Goodwill Letter to them this summer, asking if they would remove a 30 day late payment from XX/XX/XXXX, however I have never disputed the late payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I XXXX XXXX took a loan out with cash express and right now as it stands I am going though a financial hard time and I will admit I do owe it just recently cash express came to my mom and dad 's house and delivered paperwork to my mom while I was away and I offered them {$100.00} a month and they would not accept the payment and told me they would see my XXXX in court. and I do draw a XXXX check so just recently I typed up a cease and decease form and mailed it to the corporate headquarters and the local store of cash express on XX/XX/2015 and just recently I just received XXXX letters XXXX from the corporate headquarters and the local store and I do have witness to said fact of the letters being sent out and received. if you like anymore information please contact me XXXXXXXXXXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hi, There are some personal information in my credit report that are incorrect : For instance the " Employer Reported and Date Reported '' XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXXMy employer 's name is XXXX and neither of the above misspelled names. 

Same with the information in " Names Reported '' XXXX XXXX XXXXMy full name is XXXX XXXX and not XXXX XXXX as listed. 

Please help correct the above information on my credit profile. 

Company response: Company chooses not to provide a public response
Consumer complaint: On no less than XXXX occasions, I was told by XXXX that this debt was resolved. They billed me for pest control on a contract I canceled and for a property that sold in XXXX 2015. They also violated the XXXX, continuing to call my mobile after I repeatedly asked them to stop. 

After the last conversation when XXXX said the debt was not mine, and the balance was zero, I heard nothing for several months. 

I then received a collection letter from NCI demanding {$96.00}. Is that XXXX does? Ignore customers, tell them their debts are resolved and then forward them to an unsuspecting debt collector who is unaware of XXXX internal control issues and disregard for honoring their commitments? 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is reporting inaccurate information on my credit report I disputed information with the credit reporting bureau, advised that information reporting is wrong the balances does n't match the close dates etc. This account is reporting several different inaccuracies and should be removed from my credit report or updated correctly the credit bureau stated that they have conducted and investigation and information was updated however my credit report shows no change in this frivolous account. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX I had numerous issues with XXXX ( XXXX ) billing and it would take me hours and even days to clear up the issues. I had been treated very poorly by XXXX representatives. XXXX ( XXXX ) was billing me on behalf of XXXX ( XXXX ) so XX/XX/XXXX I asked XXXX to stop billing for XXXX and contacted XXXX to begin billing me directly. XX/XX/XXXX, I paid {$130.00} to XXXX. XXXX tried to bill me same amount ( {$130.00} ) that had already been been paid to XXXX. I received a letter dated XX/XX/XXXX from Central Credit Services ( CCS ) that I owed XXXX {$130.00}. I called CCS and spoke with XXXX who said to send proof the debt was paid. I faxed the proof XX/XX/XXXX. I pulled my Experian credit report on XX/XX/XXXX and found that CCS had reported the debt to XXXX ( and probably the other credit reporting agencies. ) I called CCS and XXXX spoke with XXXX then XXXX ( the first rep I had spoken to in XXXX. ) I asked XXXX why the debt showed up on my credit report when I had sent proof of payment in XXXX. She said that I still owe the debt to XXXX even if XXXX was paid. There was no indication that the proof had been forwarded to XXXX. I argued I did n't owe XXXX but XXXX repeated I did. I asked why I was n't contacted and told this after I submitted my proof of payment in XXXX. She said she had been out on XXXX leave. I asked if her desk was covered while she was gone and she said no. I believe this to be unfair collection practices and that I was lied to by XXXX. As I have a pristine credit report, I am livid this ended up on my credit report. So not only does XXXX try to collect on a debt already paid, but they involve Central Credit Services to harass the debtor. 

Company response: Company chooses not to provide a public response
Consumer complaint: FBCS has placed a collection item on my XXXX credit report and done so without contacting me before-hand.I Just realized about the collection after getting an an alert on my credit bureau. 

I have no idea of the debt, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i received a letter from this company stating that i owe there client nationwide insurance a balance of {$230.00} i told them i did n't but i was still willing to post date a payment for the XX/XX/XXXX while i contact my insurance agent and got this squared away they said that even if i maid that secured payment arrangement they are still going to report me 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Call at XXXX leaving messages they will sue they have repeatedly called my landlord to harass and embarrasse me they have been asked XXXX times not to do they also call constantly from different numbers also will not send debt validation letter.told my landlord that I owed money and was being sued. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Back in XXXX I filed a complaint with Suntrust Mortgage regarding our house in XXXX XXXX SD. In which i got a response and submitted the required documentation needed to foreclose the house. I had a lady email me and said thanks we will start the forclosure process this was in XXXX. We have been in contact with our case manager at Suntrust and nothing has been done. She did n't even have the documentation that I had submitted. This company has been anything but helpful. We get nonstop calls nobody knows what the other person is doing. Seems to be in complete disarray and we are the ones that are getting belittled by this company. Something needs to get done. Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX misapplied my payments. I have submitted to Transunion cancelled checks supporting my contention, ALL BILLS WERE PAID ON TIME They have adjusted the current parts, but wo n't correct the past errors 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage that was bought by Greentree and then Ditech. I pay my mortgage monthly by auto-payment with my credit union. I pay early by 2 weeks and I also pay over the Principal and Interest. On XXXX XXXX 2015 I paid for XXXX. Ditech put all of the money toward principal instead of making my mortgage payment. They then claimed I was late and started charging me late fees. I called Ditech on XXXX XXXX 2015. I also emailed them. During the phone call they said that they could n't fix it! They then tried to send me a check for the late fees. I told them NO I wanted it all fixed retroactively and the funds applied correctly. The supervisor came on and then said they would fix it in a week. It is now XXXX XXXX 2015 and it is still not fixed. Ditech has failed to fix the problem and the latest payment info shows that they have failed to correctly credit my account. They are also not applying the interest on my mortgage correctly. Ditech has committed fraud with my mortgage and is failing to credit my account correctly. I want my account fixed retroactively with correct credit on interest, especially when I pay additional on the principal. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Action Collection Services INC. is reporting a collection account ( XXXX XXXX XXXX ) on my XXXX Credit report that is not mine and they are damaging my credit with this. 

I contacted Action Collection Sevices Inc. on XXXX ( attached : original letter to Action, & certified mail delivery ) asking them to send verification of the debt with in 5 days. By law a collection company has to verify any debt the consumer asks to verify.They still have not. They responded with a letter stating they can not locate the account ( attached : Action response letter ) I gave them all information needed to locate said account, obviously they are misreporting information to the credit bureaus and damaging peoples credit. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: XXXX as part of an XXXX XXXX, 2015 refuses to remove erroneous and fraudulent items from my credit report, a report that has several names which are not mine, a birth date that is incorrect and several address 's and judgements which are not mine. 
this account is not mine and I demand it be removed : WELLS FARGO BANK XXXX ... ... 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried to obtain a free credit report from Experian, because I was denied credit over a month ago, but my request was denied. 
Today when I paid for it, I was able to get the report. 
On that report, there are names I did not recognize, and wrong information. 
I tried to open a dispute and was denied. 
So Experian has to be paid for everything, otherwise I can not move forward with the dispute. 

Company response: Company chooses not to provide a public response
Consumer complaint: Trying to complete load modification 

Company response: Company chooses not to provide a public response
Consumer complaint: Regions Bank has taken XXXX out of my account because of overdrafts. I know this is my fault, but why do they keep putting thru checks that can not clear more than once? Im XXXX and they have no mercy on me. Why are these charges so expensive? Cant they be XXXX dollars? My son is going to help me, but this is a disgrace for a bank to be this greedy! 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently applied to Bank of America to modify my HELOC Loan to a 40 year amoritization loan, in order to lower my monthly payments. ( All my payments have been and are current. ) On XX/XX/XXXX the Bank of America Underwriter denied the Modification even though my Debt to Income Ratio is 49.53 %, which is within the required 45 % to 55 % range. The Bank of America Underwriter 's denial was based on her incorrect calculation of the Ratio ( the Underwriters errors have been detailed in my Table XXXX ). 

On XX/XX/XXXX Bank of America changed the HELOC loan payment from interest only to amortized over 15 years. This resulted in the monthly payments increasing from {$720.00} to {$2100.00}, which is a massive 191 % increase. To cover these higher payments from XX/XX/XXXX to present, I have had to pay a cumulative total of {$25000.00} extra [ ( {$2100.00} - {$720.00} ) ( 18 months ) = {$25000.00} ]. If I had been able to modify the HELOC before, I would not have had to pay {$25000.00} extra, which is still increasing at a rate of {$46.00} PER DAY. 

I have been seeking a HELOC Modification for over 3 years now. I have FAXed in over 20 months of documents which has taken over a XXXX hours of my time, due to chronic and systemic complications with the process. I am a senior citizen and have been a Bank of America customer for over 40 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: My home loan lender is Lender Live Acct XXXX, you can not contact them as my loan is serviced by XXXX XXXX XXXX, I have been trying to pay my loan payment for the last 2 weeks today I was able to reach them and found out they updated there system 2 weeks ago and lost all logons so I had to re register in order to logon an pay my payment my loan is not or ever been late but because of there screw up and because they did not notify me or anyone I should not be charged interest for the last 2 weeks its not my fault they did the update and its not my fault they wo n't answer the phone and of course not everyday that goes by they make more money what a rip off. I tried to contact them by email and it was returned undeliverable go figure. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: my credit is wrong i never had a credit card or apply for any credit card 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Collection Bureau Inc. Is reporting a collection account that does not belong to me on my XXXX Credit report. Shows on report for Collection Bureau INC. & XXXX This Collection Account is Damaging my credit. 

I sent Collection Bureau INC. a letter ( attached : original letter ) asking them to verify the debt within 5 days. ( Certified mail tracking # XXXX ). They have not Verified the debt Which they are required by law ( FCRA ) to verify a debt in which a consumer asks to verify. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Macy 's American Express credit card is reluctant to credit Macy 's Worrynomore voucher in the amount of {$220.00}. The voucher was issued on XXXX/XXXX/15 by Macy 's as reimbursement for not using the furniture protection plan and has to be used only towards the purchase of furniture, it expires in 90 days from the issue date. I purchased the furniture from Macy 's over the phone and was told that the voucher would be credited before the XXXX statement. As per worrynomore program, the voucher was redeemed on XXXX/XXXX/15, but never credited to my account. The furniture was delovered on XXXX/XXXX/15. I called Macy 's worrynomore program and credit card customer service multiple times since the purchase in attempt to get the voucher credited towards the purchase, I also filled out the dispute of charge form. I was told to fax the voucher to Macy 's, and I did so to several different numbers provided by different customer service reps ; but no result. The reps refuse to provide their names or ID numbers, and refuse to connect to supervisors. Last time I was tols it takes 30 days to process the voucher, but today is over this limit, and the credit not applied. It seems to me that the Macy 's worrynomore is a consumer scam to inflate the furniture price and to trick into purchasing " refundable '' protection plan. 
The Macy 's customer service never responded to my multiple e-mails. 
Every phone call takes no less than XXXX min ; I have no choice but to request your help 

Company response: Company chooses not to provide a public response
Consumer complaint: lvnv funding is reporting on an account that has been deleted and is at least 7 years old. the original creditor is not even reporting on my credit report anymore 

Company response: Company chooses not to provide a public response
Consumer complaint: This is my Fifth formal complaint last XX/XX/XXXX over 30 days, and asks you to investigate the business practices of Transunion. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
I have asked that XXXX Credit Card XX/XX/XXXX and XXXX XXXX Credit Card XX/XX/XXXX and XXXX XX/XX/XXXX, XX/XX/XXXX be removed as this was opened as a result of ID Stolen. This has been Removed/Deleted by XXXX and XXXX, however Transunion has been reluctant. My ID was stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX XXXX XXXX Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Transunion 's failure to properly adhere has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed. Failure to do so by Transunion this fifth time will pave way for a suit within 5 days. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am behind in my mortgage and received a notice ( XXXX XXXX ) that states to cure my default I can pay by the following options : Cash, Cashiers Check, or Money Order. So I am trying to save my house and went to pay cash and was told that I am unable to pay cash. Why would the payment options presented in the notice say " cash '' but that is actually not an option. So now I have to wait until Monday and be late to work and pay a fee so I can obtain a cashier 's check to mail since bringing it to a local branch is also not an option. I also now run into the risk of Bank of America not receiving my payment in time and could start the proceedings on foreclosing on my home. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have made XXXX payments to escrow account that was received and cashed by Wells Fargo, but never deposited to the escrow account but rather used to pay interest. 

{$980.00} on XXXX/XXXX/2015 {$500.00} on XXXX/XXXX/2015 FYI monthly mortgage payments are {$630.00}, and monthly escrow payments of XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX this the ongoing dispute, that I been having with my NSF fees, and no one called me sent me a letter nor email during, that time. Now I do n't work for XXXX and I believe I sent my response to them via letter, but they never received it go figure. 

WITHIN 60 DAYS I GOT RIPPED OFF BETWEEN XXXX TO XXXX DOLLARS I CAN EVEN GO AS FAR AS 90 DAYS EVERY SINCE THIS HONORABLE VETERAN LOST HIS JOB IN NORTH DAKOTA BASED UPON A FAMILY HARDSHIP. 
MY XXXX COMPLAINT TIRED OF USAA ( profanity used ) ME ON NSF FEES UP TO XXXX DOLLARS IN THE LAST FEW MONTHS THEY KNOW I AI N'T MAKING CLOSE TO XXXX GS A MONTH. NOW THAT I AM ON PENSION AGAIN WAITING ON MY HARDSHIP UNEMPLOYMENT ITS BEEN AN ORDEAL, BUT XXXX CAN TELL AT THE END OF THE FISCAL YEAR OF XXXX I LOST ABOUT XXXX GS IN GROSS INCOME YOU DO N'T SEE ME SMILING THESE DAYS. 
USAA HAS BLATANTLY DISREGARD, AND DISMISS ME AS THE CUSTOMER WITH XXXX NEGATIVE OF BANKING HISTORY. THEY HELD MY CHECKS I DEPOSITED, AND MY VA CHECKS AND WHEN I HAD TO PAY A BILL OR EXPECTING AN IRS REFUND THEY HELD THAT CHECK TOO UNTIL I WENT NEGATIVE, AND THEN RELEASED THE MONEY IN MY ACCOUNT AFTER RIPPING ME OFF OF FEES FOR LAST 60 DAYS FROM XXXX, AND XXXX I AM GOING TO FIX THAT TODAY. 
Product Bank account or service : Checking account Issue Problems caused by my funds being low They did not address a XXXX thing accept these people are working against me, and try to jack my VA money, and Income taxes due an owed to me. They would do business with the XXXX XXXX XXXX XXXX corporations. In regards they think they can XXXX my money, and abuse my money while I am asleep or not watching my accounts while USAA secretly use their members money on the securities, and commodities on the international stock exchange. 

No one is my DAD I have only XXXX father, and that XXXX dollars of a so called refund is n't good enough they are in cahoots with those trying to sabotage my accounts. Things were different when I was on top in North Dakota, but now they treat me as a second class citizen. They even turned down my application when I was trying to get a XXXX job. I got back stabbed by them XXXX. I want all my NSF 's credited back to me from 120 days ago, and I been out of work since XXXX 2015, and I was prevented by USAA to pay my bills effectively to even have successful transfers. 

This is my response to I do n't agree with USAA at this juncture. 

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