AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Trans union is reporting unpaid medical bills for which were paid via NC XXXX! 

Company response: Company chooses not to provide a public response
Consumer complaint: Citicards mixed up my account with another XXXX XXXX living in Texas who was seeking debt relief. They turned my account over to collections XXXX. My credit card account with XXXX was among the accounts that was entered into the debt settlement agreement with XXXX XXXX XXXX XXXX. The last XXXX digits of his Social Security number is XXXX and my last XXXX digits are XXXX. After numerous attempts to have XXXX take care of this, I finally filed a complaint with the Consumer Protection Bureau. XXXX responded to the complaint last week. I am attaching my letter to the Consumer Protection Bureau along with XXXX 's letter to me. They have indicated in their letter they have requested the credit reporting agencies to delete any delinquencies related to this issue. I want to be sure this is being taken care of as this has been going on for six months and I need my credit restored ASAP. This has created an undue hardship on me and my family. My daughter is in need of a loan and needs me as a cosigner. I need to do this for her as soon as possible. Also I was not able to take advantage of a sales promotion on a car due to my credit score now being in the XXXX 's as opposed to the XXXX 's where it was at before this incident. Please let me know this matter has been taken care of and my credit has been restored. My daughter is in need of this loan. This has been going on for six months now. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a credit card with Barclaycard and my interest charge varies very much from month to month. Been going through quite a few financial struggles and I am unable to pay the full card at once. I am trying to pay it a bit at a time but these interest charges make it a bit impossible. I pay at the same time of the month and the total that I owe is around {$3500.00}. Interest charges are : in XXXX : {$35.00}, in XXXX {$520.00} + {$36.00}, in XXXX {$68.00}, in XXXX {$69.00}. Even though I pay over the minimum, I continue to have {$0.00} in the account because I went over my limit with the fees. I know this is my fault for not being able to cover it but I need to go through a few more months until next year when I believe I will be able to pay it in full. Not sure what is going on with the fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have been customers of CitiMortgage for ten plus years and our current mortgage and HELOC are both serviced through them. We had done a refinance approximately five years ago to obtain a lower rate and the process was seamless even though the industry had tightened up due to the housing market crash. Recently we decided to refinance again combining the current mortgage and HELOC and because of our history with CitiMortgage, we decided to go through them again. On XXXX XXXX, 2015, I called and spoke with XXXX XXXX and began the process. While there are several customer service issues with our attempt to refinance XXXX which l will not go into at this time ), the first and foremost complaint has to deal with our lock. We were locked in a rate of 4.375 %, receiving a credit of {$1100.00} expiring on XXXX XXXX, 2015. As of today XXXX XXXX, 2015, we still have not been contacted by CitiMortgage regarding our expired lock. In fact on XXXX XXXX, 2015 at XXXX, I had called our loan processor XXXX XXXX XXXX and advised her via voicemail ( she does not answer her phone and or return phone calls ) that XXXX and I have decided to withdraw our application. However XXXX XXXX had not checked her phone messages, but instead sent me an email stating that we were final approved and the closing department would call me in the next 48 hours to schedule a closing time. I in turn replied to her email stating how could we be final approved with an expired lock? XXXX XXXX XXXX replied that our lock had been extended. Here lies the problem, I am unclear as to how CitiMortgage can take the liberty to extend our lock without our consent especially since refinance mortgage rates have dropped to 4 % -4.125 % with no points? It seems to me that this would fall under the category of full disclosure to the borrower, which in this case appears to have been violated. In addition, with the " new '' lock expiration date our daily interest charge continues to accumulate, this again is a mortgage loan being serviced by CitiMortgage. 
We have paid our mortgage payments on time, and have been loyal customers of CitiMortgage, but this process has been a nightmare. I have had to put off applying for student loans ( I am in the process of earning my degree ) not to mention the time that has been taken to deal with this, something that could have been avoided had CitiMortgage communicated with us. CitiMortgage has taken advantage of us and we feel violated by their underhanded dealings. We are requesting they refund us our appraisal and credit fees as they did not do provide the services promised. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed bankruptcy back in 2013 and the check system is showing that I owe on some checks that were taken care of in my bankruptcy 

Company response: Company chooses not to provide a public response
Consumer complaint: Prequalified for a mortgage and rate locked in at 2.87 % for a 5 year ARM. 
Bank of America has caused innumerable delays in loan processing ; lost documents, me resubmitting the same thing over and over, " just one more thing ''. 
Now two weeks before closing the say they wo n't approve me for the 5 year arm, just a 7 year arm at a XXXX percent, a 0.35 % rate increase. They say my income, which I have been honest about through the whole process, is suddenly too low, so they are making the payment higher. 
It is a racket. I want them to refund the mortgage appraisal fee which I paid RELYING UPON the original " truth in lending '' statement. 
What good is a " truth in lending '' statement or a rate lock if the bank can just ignore them at the final hour. It is extortion. I spent money on an appraisal based on their original disclosures and I want them to either honor their original rate lock or refund the money I outlaid, {$460.00}, because I was relying on them honoring their end of the agreement. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX i purchased a XXXX computer, made payments on it for several years, I fell behind, the interest rate was extremely high andI couldnt get to the balance. I stopped making payments in XXXX. Its been over 10 years and the negative response is still on my credit report. The original company, XXXX sells it off to XXXX a while back then it gets sold to XXXX company and they say the origianal creditor is XXXX. That is false they keep selling it off and repeating it over and over, and do this over 10 years, and keeping it current. Please look into this. 

Company response: Company chooses not to provide a public response
Consumer complaint: Suntrust bank created a situation where they forced an over draft coverage on an account that has no over draft coverage. I reminded the bank that there is no overdraft coverage on the account and that federal law prohibited over-drafting with out the consent of the customer. I have never given my consent for overdraft coverage, and was clear, that if I do not have available funds in the account, then decline the transaction for insufficient funds. Suntrust runs algorithms on the account to create overdrafts and then manufacture debt. This is a clear violation of the federal law. 
On Friday the XXXX of XXXX after XXXX there was a positive balance. However on Monday the XXXX the bank is claiming that an over draft occurred and I was penalized for it. 
The facts are the bank manufactured the debt by providing overdraft coverage when non existed. The provided overdraft for XXXX debit transactions, 1 ) for XXXX and 2 ) for XXXX, when the transactions should have been declined for insufficient funds. That would have left enough of a balance to cover the internal transfer and alerted me of a low balance so that I could have transferred more money into the account. 

By applying overdraft coverage on an account that had no such coverage Suntrust created a negative balance then fined me for being unable to make a XXXX dollar internal transfer as is the practice of the bank to do on the XXXX of the month. Suntrust created a debt where non existed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a loan modification and the Mortgage company denied my request stating I had sufficient income. I had to withdraw money from my XXXX incurring penalties so I can make my payments. They sent me an appraisal report showing that I 'm under water on my property but have not offered me a better solution. Back in XXXX when I was having financial diffuculties paying I asked for assistance and instead they forced me into foreclosure and bankrupcty. I have just gotten out of bankrupcty and am looking for a modification and they are not willing to work with me, which I do n't understand why. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went into home Depot an aplied for a credit card an I was approved for XXXX {$.00} They asked if I would like to use it for my purchase which was some XXXX like XXXX $ I declined an said I would like to wait till I get my card so I paid with cash.well when I got my card 3 months later I went into store to use it an it was declined for a purchase of XXXX $ that turned into XXXX $ with late fees I told them it was a mistake I just got my card well they told me that I was just XXXX since I did n't keep my recite that was 3 months ago for a piece of XXXX an that has messed my credit up since then an they will do nothing to help over XXXX $ that I would have been taking care of if I knew about it what can I do 

Company response: Company chooses not to provide a public response
Consumer complaint: I had my Bank of America checking account as well my credit cards accounts closed without a warning or reason.I just found out about it after trying to use my credit cards and getting denied. When I went to the bank to get an explanation i was given a XXXX number with a message saying they can terminate their relationship anytime and do not need a reason for it. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX/XXXX/2015 - account balance - $ XXXX/XXXX/2015 - NSF Fee ( {$37.00} ) -- why? unknownXXXX/XXXX/2015 - spoke with CSR who told me that the computer system on XXXX had my balance as - $ XXXXXXXXwhy my online view is different than the CSR online view -- unknown and not goodXXXX/XXXX/2015 - balance had not gone negative and yet NSF Fee ( {$37.00} ) -- why? unknownit would appear that they are keeping XXXX different sets of " books '' for posted transactions -- XXXX that I have online access to view and another XXXX that the NSF Fee goes byit is quite impossible for me to ever possibly prevent NSF Fees if I do not what is truly going on with my account and its balanceit seems to me that this amounts to a lie and probably fraudulent activity 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My physician 's office mistakenly sent this account for collection in XXXX of 2015. My physician 's office took action right away when they determined that they had sent the account to collections in error and immediately contacted the collection agency to have the account removed. This occurred in early XXXX 2015. I just checked my credit reports and the collection accounts are still on all XXXX credit reports. When I called the collection agency, they would n't help me to remove the account, they just told me to file a dispute with the credit agencies. They did n't even ask for my account number, just said that they would have done it right away. Basically, they said that it 's my problem, not theirs, and I need to go through the dispute process to have the inaccurate removed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted XXXX and tried to make arrangements to settle account, as i was in process of purchasing a condo in Va. we verbally agreed on a {$500.00} settlement paid in full, of which i let them automatically had them take out of my checking acct. the amount of $ XXXX.The bal was to have been paid on the following month. During the time after the first payment i received a letter stating i had a bal. of {$710.00} I made a phone call to them and was told that the amount on the letter was standard, to which i replied this amount was not our agreement and where does it state my initial payment, and the settlement amount we agreed on. In my opinion they reneged on the agreement therefore i am of the impression they lied and pulled a scam.My Payment of {$45.00} to me is debt paid in full ... 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened an account with Bank of America on XXXX 2015. On XXXX I deposited a check from my XXXX account and they had the money within any problem. On XXXX XXXX I deposit a check for XXXX from XXXX too because my employer deposits my salary direct on XXXX. Well, XXXX paid the check to Bank of America on XXXX XXXX but now Bank of America is holding my money up to XXXX. I ca n't understand why they are holding my money if the check was paid to them. That 's unfair because I had to wait XXXX days in order to get paid from my company, it 's an abuse that they make me to wait XXXX more days 

Company response: Company chooses not to provide a public response
Consumer complaint: Green Tree Servicing LLC continues to increase our loan amount. The escrow account is used for the payment increase and fail to notified and explain, in writing, the tax accessor of XXXX XXXX tax assessment for XXXX XXXX. Housing in our area has decrease and not increase in value. They will not provide the information on how they calculated the new increase. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a check for {$300.00} for a painting I sold to a lawyer. The check was from Union Bank, so I went to go cash the check at a Union Bank. Since I also bank with Union Bank, I know they will cash checks from their bank for {$5.00} fee. I did NOT want him to have my account numbers, so I did n't want to deposit the check in my Union Bank account, or use my ATM card to cash the check with. Everyone at the branch was very rude and refused to cash my check unless I showed them my ATM card. I pulled out my cellphone to record a video of how they were acting and how they were treating me. As soon as I started recording it, they complied and cashed my check with XXXX other forms of ID and took out the {$5.00} fee. 2 weeks later I receive a certified letter from Union Bank stating that because of what happened, they are going to close my account. The check was fine, so how are they allowed to do this? 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America is not allowing me to file a dispute on a part of charge ( {$590.00} out of {$1700.00} ) with the merchant XXXX XXXX XXXX XXXX who has negligently lost my property while cruising and now refuses compensation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was actually in a treatment program for XXXX in XXXX, Ky which I successfully completed. We were told that we could go to the school of XXXX in XXXX and the cost would be covered since we were in the XXXX program at the XXXX XXXX in XXXX, KY. I have successfully completed that program and have been XXXX for over eight years. I just want to get this debt off of my credit report at all XXXX agencies. Any help you can give me would be greatly appreciated. 
Thanks, XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a debt that was sent to collections without my knowledge. The debt collection company, CMRE, had the wrong mailing address. Then I updated my address with both the hospital and CMRE. The hospital billing department corrected their mistake, and I was reassured by both CMRE and the hospital that everything was taken care of. 

Several months later, I try to refinance my condo, and it turns out CMRE still has an outstanding debt on my credit report. I call them and they still have the wrong billing address, and I have still had absolutely no notifications or contact with them. And interest has being compiling this whole time. 

I settle the outstanding bill because I do n't have time to wait for the hospital billing department or wait for my health insurance to settle the claim, since I need the refinance with the bank. 

CMRE still has n't sent a letter that confirms deletion of the outstanding debt on my credit report and I have no confirmation that I have paid the bill in full. Other than the big charge on the credit card. 

Now that I do n't owe CMRE any money, they have literally hung up the phone XXXX, transferred me to a nonworking extension, and transferred me to their supervisor who despite leaving voice mails has never returned my calls. 

They tell me over and over again the letter has been sent, but I still have n't received a deletion confirmation letter than I can submit to the bank for the refinance. They claim they ca n't e-mail a password protected file, they ca n't fax a letter, they ca n't send certified a letter, and they ca n't regenerate the letter and send it again. 

After all this, I am not surprised I have n't received a confirmation of deletion or a confirmation of payment, since for months, they did n't have my billing address correct and I have never had any contact with them. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank Of America Has Been Placing Hard Inquiry on My Credit Report. They Keep performing hard inquiry again and again. Numerous Certified Mail Phone calls and Even lack of Proof on my part to authorize them has not been investigated nor even acknowledged by the Bank Of America. My credit report is on fraud Alert and itys really hard to place a hard Inquiry. These are the Numerous dates of they inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They ca n't provide a proof for my authorization for these inquiries. Yet no Response from The Bank nor any compliance from Credit Bureaus. Please note the same branch and location of this Bank Keeps Placing Hard Inquiry on My Credit Report. 
BANK OF AMERICAXXXX XXXX, TX XXXX ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was sold to Greentree servicing. Due to medical issues, I fell XXXX month behind on my mortgage. I spoke with someone at greentree and told them I was planning to pay extra every month to catch up. I then became only XXXX behind. I then was put into foreclosure ... for being XXXX behind. I called greentree, they told me they mailed me a letter telling me to be current by a specific date. I never got this letter. They then stopped accepting payments from me, and told me I had to make pay all past due amounts at once. This included a check they cashed but put into holding, but did not reduce the amount I owed. It took a few months ( XXXX ) to get them to come up with the right amount that included that cashed check. I then attemped to pay the amount past due in total. I was informed that they sent an email to legal and had to wait for a response before they could accept payment in full. ( due to the foreclosure fees they needed to get info on ) I was constantly told to call back the next day, I did, eventually they began saying call back in a week, I did.. then it became nothing by being sent to voicemail and no one returning my calls. This occurred for a full year. I was then massively behind. At my wits end and months away from being kicked out of my home, I contacted XXXX. Only then did greentree talk to me about my mortgage again. They told me I only had XXXX option in the modification that extended my loan from XXXX more years, to XXXXXXXX XXXX! They then tacked on over {$10000.00} to my principle balance.. They claimed this was a charge for " capitol '' I now owe MORE on my mortgage than when I bought my home in XX/XX/XXXX. I contacted greentree to find out what this " capital '' was and they will only give the answer " Its just capitol on the mortgage '' That is not an answer. Bottom line, is that I had to modify a mortgage due to their negligence, and they get to add XXXX XXXX dollars to my principle balance. Contacting them has not gotten anything resolved. They went from being harassing and threatening me, to avoiding and causing extreme financial issues that could of been completely avoided. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am receiving calls from Linebarger Goggan Blair and Sampson, LLP every day saying I own a debt from the year 1996I want to know how are they entitled to collect this debt and I want them to stop harrassing me. 

They just sent a letter of collection for this nonexistent debt for {$740.00} 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Vision Financial gained every number of my relatives, customers, and co workers from XXXX XXXX and sent a blanket message that a court action was going to be filed against me over an old debt. I have contacted XXXX 's Security department and they are investigating this as a potential hack of their systems. I will be taking legal action against them for damages but need this investigated. Phone number for them is XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: We purchased a business and landscaping was already in place by a company. We let them continue, but did not have a contract with the company. We called and asked for a Mosquito treatment on the property in XXXX 2013. They did not apply it until XXXX 2013. At that point, we called and cancelled all services. The landscape company continued to come every week, but were coming in the morning before anyone was at the building. We never saw them. I received the XXXX billing after cancellation in mid-XXXX 2013 and called again and left a message. They still continued to come through the end of the season. We have written letters and asked for these bills to be reversed. XXXX years later, the landscape company has turned the account over for collection. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have never lived or visited the State of Florida, USA and never used this address : XXXX XXXX XXXX XXXX XXXX, FL XXXX 

Company response: Company chooses not to provide a public response