AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Following information has been submitted XXXX : Contributor : SUNTRUST BANKContribute Reference # XXXXAccount # XXXX Date XX/XX/XXXXContribution Reason : Transaction ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 


I have never attempted to transact with an account in an unauthorized or prohibited manner. Such FALSE statement on file is prohibiting me from doing business from other banks. 

Company response: Company chooses not to provide a public response
Consumer complaint: Issue : Citibank deducts face value difference XXXX XXXX vs XXXX dollars ) from account principal, not pending deposited amount, on deposited cheques in XXXX currency. I filed a CFPB complaint one month ago, and was contacted by a Citibank representative who apologized in writing and assured me this would not happen again. However, it happened with the next XXXX cheque I deposited, resulting in a bounced cheque due to funds withdrawn from the account to cover the CAD to XXXX exchange rate. A citibank representative then refused to refund the bounced cheque fee, despite being informed of the outcome of the previous complaint ( refunded fees XXXX, and verifying it in Citibank 's records. 

Narrative : I regularly deposit paychecks in XXXX XXXX XXXX XXXX XXXX into my Citibank bank account. Citibank first deposits the checks as if they had been made out in XXXX. Then they correct the amount by subtracting the difference. However, they do this before making the deposited amount available. They typically hold an excessive 2-3 weeks before making the amount available. Where do the get the money for the difference? They deduct it from the balance already in the checking account, rather than adjusting the deposit amount. This has created an overdraft and left me without my own money on three occasions. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am enclosing the letter to the Attorney General 's Office. 

I am facing a hiring fraud and credit card fraud because Wells Fargo allows their accounts to reverse payments weeks after payment was received and spent again. I was paid through XXXX Wells Fargo accounts and the funds were put into my credit cards, but they were taken away again ... leaving me with a massive debt. I went to the local Wells Fargo branch to see what could be done, but they would n't help because the I was not permitted to see the XXXX accounts. 

I was scammed by XXXX XXXX XXXX if that is her name XXXX and XXXX Systems XXXX if that is truly the company name. I was told that I was hired as a buyer, but for the first few weeks I had to use my credit line to make purchases ... supposedly until the corporate credit card was ready for me. Payments were made to me in advance by following this procedure:1 ) Take a credit card with a balance and pay that off with XXXX funds. 
2 ) Ring up new charges on that card for XXXX purchases to the amount XXXX provided. 
3 ) Repeat 1 and 2. 

Needless to say, the job was n't real. The paycheck and benefits package never came. The payments to my credit cards were recalled with stop payment orders, so that the payments I had made were canceled. My XXXX card alone could cost me {$50000.00} in XXXX purchases. 

Wells Fargo enabled this kind of fraud by allowing the payments to be reversed long after they were approved. This gave the scammers a few weeks to build up my confidence, and then to hit me hard with massive reversals, all the while taking the value of the purchases I had made for them. The XXXX XXXX accounts at Wells Fargo must be showing frequent payments and reversals, and the way banks monitor their accounts these days, they must have known that this was unusual behavior, possibly criminal. 

I need to be protected as an innocent victim from this massive fraud. I also need to know that this can not be done again. Please tell me what can be done. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has reinserted wrong information on my credit report and has affected my credibility with loan officers. 

Company response: Company chooses not to provide a public response
Consumer complaint: My HELOC with XXXX Bank is being reported as closed by the XXXX credit bureaus. I have been making payments on this account for over ten years XXXX last six months of statements are enclosed ). In XXXX I filed a complaint against XXXX Bank with the CFPB ( case # XXXX ) stating that my account was not being reported to the XXXX bureaus. XXXX XXXX XXXX responded by letter for XXXX Bank dated XXXX/XXXX/XXXX XXXX letter enclosed ) saying that they would take care of it. I disputed this response because although XXXX Bank started reporting the payments they still reported the account as closed. This is the current situation. The bureaus are reporting the monthly payments ( over {$2600.00} a month ) but still report the account as closed. On XXXX/XXXX/XXXX I contacted XXXX Bank 's Customer Solutions Department and asked to speak with XXXX XXXX but was told she does n't talk on the phone. 

I have disputed this account with all XXXX bureaus, even faxing in my HELOC statements while also pointing out that they are reporting the monthly payments but still reporting the account as closed. This has affected the average age of my accounts that affects my credit score. In XXXX I made the last payment on a six-year auto loan and the account was closed. The next month XXXX XXXX dropped my credit score XXXX points as my average age of accounts dropped to less than six months. This has affected my ability to refinance my HELOC which is in it 's repayment period. 

The timeline of this account started on XXXX/XXXX/XXXX when I opened this HELOC with XXXX, a division of XXXX Bank XXXX. On XXXX/XXXX/XXXX the servicing of this loan was transferred to XXXX XXXX XXXX, XXXX XXXX letter enclosed ). The HELOC was then transferred back to XXXX XXXX effected XXXX/XXXX/XXXX XXXX letter enclosed ). A letter dated XXXX/XXXX/XXXX informed me that XXXX XXXX was now XXXX Bank XXXX letter enclosed XXXX. 

ACTION NEEDEDThis HELOC with XXXX Bank should be reported as open with a 10 year credit history. 

Under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : XXXX 1 XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have contacted an attorney who has advised me to file XXXX more complaint against the XXXX credit bureaus with the CFPB. If this situation is not remedied I will proceed and file a complaint in XXXX XXXX Court for violation of my rights under the FCRA naming XXXX Bank, and the XXXX credit bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a Home and Financed it thru XXXX using a FHA Loan. The REP for XXXX told me that once the Value of the Home went up 20 % i could request to have the Morgage Insurance dropped. Shortly after that the Loan was sold to Wells Fargo Bank. In 2012 i contact Wells fargo and asked them to drop the Morgage insurance since the Value of the Home had risen 20 %. 

They sent me a letter that i had to wait at least 5 years for them to drop it. I am paying just over {$300.00} a Month on the Insurance. 
My Current Morgage Ballance is XXXX and the Value of the Home is between XXXX and XXXX. 
.Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a Dillard 's charge card as I would like to participate in their rewards program. 
Instead of a charge card, I was issued a Dillard 's American Express card. I contacted Dillard 's and XXXX XXXX requesting a downgrade to a regular Dillard 's charge card and was told I was ineligible for a downgrade because my credit is too good and that only people with bad credit are eligible for a " Dillard 's only '' charge card. 
I do not want another credit card because of the greater liability if lost stolen and the fact that I plan to let other persons use the card for Dillard 's purchases. 
I believe it is an unfair practice to issue Dillard 's charge cards only to persons with bad credit and to refuse to issue a charge card to persons with good credit. 
Desired resolution : Issue me a Dillard 's only charge card. 
The XXXX XXXX card that I was issued is XXXX. I have not activated it ; nor do I intend to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm charging that Citi Credit Card company sabotage my credit rating by lowering my available credit below the current accelerated voluntary payments and then report to the credit bureau that the card is over the limit. They have continue to do this from some time. The latest event in XXXX over {$1800.00} available and payments over {$700.00} paid. Then in XXXX over {$700.00} in payments made with a minimum payment of {$110.00} due. Then in XXXX over {$400.00} in payments ( XXXX/XXXX/15 ) with only {$85.00} due and Citi lower the credit limit between the XXXX/XXXX/15 and XXXX/XXXX/15 and reported the over the limit to the credit bureau on XXXX/XXXX/15. This type of policy cost the client XXXX discount deals that may be offer by other organizations by keeping cards at limits. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a victim of identity theft and have filed reports with local law enforcement as well as the FTC. In relation to this identity theft, I have submitted fraud claims with Bank of America for unauthorized funds that were taken from my business accounts. Bank of America has refused to honor these claims in light of the aforementioned identity theft, even though the funds are FDIC insured. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX IS KNOWINGLY REPORTING FALSE INFORMATION TO ALL CREDIT BUREAU 'S. THEY STATE I OWE {$700.00} FOR UNRETURNED EQUIPMENT. I TURNED THE EQUIPMENT IN OVER 5 MONTHS AGO. THEY FIRST STATED THEY COULD N'T FIND THE EQUIPMENT, THEN THEY SAY THEY DID FIND IT AND ISSUED ME A RETURN TICKET NUMBER THAT I WAS SUPPOSED TO BE ABLE TO USE FOR XXXX TO VERIFY THE EQUIPMENT HAD BEEN LOCATED AND THAT I WOULD SEE THE ACCOUNT REMOVED FROM MY CREDIT REPORT DUE TO THEIR NEGLIGENCE. I SEEN NO CHANGES IN MY REPORT OVER THE NEXT WEEK OR SO, SO I CALLED TO CHECK ON THE STATUS OF THE UPDATE. UPON CONTACT WITH A SUPERVISOR BY THE NAME OF XXXX IN THE BILLING DEPARTMENT, SHE CLAMIED THE EQUIPMENT HAS NEVER BEEN LOCATED, AND THERE WAS NO SUCH RETURN TICKET NUMBER ON FILE. SHE ALSO STATED THAT THEY KEEP A LOG OF NOTES ON FILE AND THAT I NEVER CONTACTED THEM BETWEEN NOW AND XXXX. I 'VE CALLED OVER XXXX TIMES IN BETWEEN NOW AND XXXX, AS WELL AS AT LEAST XXXX TIMES SINCE THE ACCOUNT WAS CLOSED. NOT ONLY ARE THEY FALSELY REPORTING A DEBT THAT I DO NOT OWE, THEIR LYING TO ME AND I HAVE A LOG OF DATES, TIMES, AND REPRESENTATIVES THAT I HAVE SPOKEN TO ON SEVERAL OF THE PHONE CALLS I HAVE MADE.THIS COMPANY HAS MADE NO EFFORT TO CORRECT THEIR OWN MISTAKES, THEY SAID I JUST HAVE TO WAIT TIL THEY FIND THE EQUIPMENT ( WHICH HAS ALREADY BEEN FOUND ), AND THEY WILL KEEP REPORTING THIS DEBT ( FALSELY ) UNTIL ITS LOCATED. THIS IS NOT ONLY UNFAIR, BUT IS A VIOLATION OF MY RIGHTS! I HAVE BEEN DENIED CREDIT, LOANS, REFUSED CAR FINANCING, DENIED APARTMENT LEASES, AND HAVE SUFFERED GREATLY OVER THE PAST 2 YEARS DUE TO THE NEGLIGENCE AND IMMORAL NATURE IN WHICH THIS COMPANY CONDUCTS BUSINESS OPERATIONS. I LOCATED A XXXX COMMUNITY ON THEIR WEBSITE, ONLY TO FIND THAT I AM NOT ALONE IN THESE ISSUES IM HAVING WITH XXXX. THERE ARE DOZENS OF FORMER CUSTOMERS STATING THEY HAVE HAD THIS EXACT SAME ISSUE. I JUST RECENTLY GOT THEM TO DELETE A DEBT FROM 2009 THAT WAS FRAUDULENT, AND I REPORTED IT TO THEM YEARS AGO. THE AMOUNT OF TIME IT TAKES THIS COMPANY TO RESOLVE INACCURATE INFORMATION IS RIDICULOUS AND SOMETHING NEEDS TO BE DONE ABOUT IT! THEY LIE ABOUT EVERYTHING, AND I FEEL HIGHLY INSULTED THAT THEY TREAT THEIR CUSTOMERS THIS WAY. IF IT WAS N'T FOR THESE DISHONEST, DEFAMING, AND MALICIOUS ACTS COMITTED AGAINST ME, I WOULD HAVE PERFECT CREDIT. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am in a dispute with a former landlord from 2014, the landlord did receive my 90 day notice to vacate on XXXX/XXXX/2014 by certified mail # XXXX XXXX XXXX XXXX XXXX, along with my request that " ALL '' correspondences be sent to my attorney, yet his collection company has disregarded my request. I continue to dispute the debt and refuse to make payments. The agency also has not provided any options in there validation letter advising me of my rights if I disagree with the client. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Select Portfolio Servicing is a collection agency, not a mortgage Co.. Therefore I believe they do not have legal right to foreclose on my property. They have been harassing me with foreclosure, sheriff notices since year 2004. There is a statute of limitations to collect on a debt. I already owned my home. I did not purchase my property from SPS. I took out a home improvement loan with a mortgage company called XXXX. They are no longer in business. SPS refuses to produce original wet ink note on property.We went through numerous modifications. With higher payments.Always at the end of trial period, they have repeatedly lied about paperwork and documents missing.The last modification they wanted us to sign was for a whole new amount due, well over {$100000.00}. My principal due on loan was only {$71000.00} at that time. I refused to sign.SPS was adding attorney fees, property inspection fees, misc fees. No one ever came to my home to inspect. I have tried to make payments, sent through XXXX XXXX. SPS returns payment, will not accept. This has caused stress related illness with the constant badgering. I demand SPS to cease and desist any further contact, through the courts or otherwise. There are many, many others experiencing this same treatment from SPS. They have filed complaints as well. Why are they still allowed to be in business?? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion has reinserted negative unverifiable information and has damage my credibility with loan officers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am working receiving limited invome a month and paying my monthly health and medical insurance. Loan Servicing and Freedom Mortgage gas increased my mortgage for the past year. I have no other income and my mortgage is taking my whole check leaving me very little to pay my other utilities. I went back to school trying to get a better job but that has n't happened yet. I have to have a car because i have no other means of transportation. I am very depressed. This is a home me and my husband purchased when he wss living. I just feel that the mortgage compsny is not looking out for my best intrrest. I have nobody to turn to. Please help and tell me what i can do. At the end of my rope. 

Company response: Company chooses not to provide a public response
Consumer complaint: False statements submitted in a response letter from US BANK NA I did n't vacate my home the XXXX XXXX county sheriff 's deputies executed an illegal homeowner eviction of XXXX 2013, I, myself the original homeowner, relative room renter and a host of neighbors are KEY WITNESSES because of lack of action by the District Attorney 's office on my pending legal complaint pending before the District Attorney 's office. FOR PERSONAL SAFETY REASONS I POSTPONED TO TAKE BACK UP RESIDENCE IN MY HOME. There is no FHA LOAN ESCROW CLOSE recorded on my real estate property with the XXXX XXXX county recorder office, as part of the OCC FEDERAL CASES investigation into us bank na mortgage loan account number XXXX, it was discovered via identity theft linked with loan fraud qualifications in my name the former senior partners and title holders of my real estate property working with U.S.BANK NA fraudulent activity defrauded the DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT of approximately {$130.00}, XXXX this is to include an alleged down payment governmental grant of {$5000.00} the FHA LOAN FUNDS WAS NEVER RECOVERED thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I fell behind on my mortgage in 2013 due to illness. I received help with the " Ohio Save the Dream '' program. Wells Fargo received the payment from the program and stated the amount received was incorrect. A check for {$15000.00} was sent to pay the mortgage through XXXX/XXXX/13, which is what was stated on my closing documents. Wells Fargo said they were only notified that the mortgage was to be paid through XXXX/XXXX/2013 and returned {$1700.00}, saying they are not permitted to apply more funds than what is allowed for a loan " saving '' through this program and that they were only told to apply through XXXX/XXXX/13.. I was n't able to get the mortgage caught up. Wells Fargo blames Save the DReam. Save the Dream says it was a problem with Wells Fargo. None the less, I lost my home and would like to rebuild my credit to be able to buy a home in the future. I have asked Wells Fargo to remove the negative reporting from my credit. They say they ca n't because the mortgage was behind ... but it was only " behind '' because they returned the funds. I do n't care about who is at fault. I just want the negative reporting off my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is the XXXX complaint filed about this company ( WINDHAM ) with the CFPB. They REPEATEDLY continue to re age this alleged debt that occurred in 2003, and harm my otherwise flawless credit standing. 

The XXXX previous complaints for your review:XXXXInstead for removing the fallacious tradeline, they CONTINUE TO REPORT DEROGATORY INFORMATION and are also reporting it DISPUTED. 
Please see proof from my XXXX XXXX and XXXX XXXX that the negative and RE AGED tradeline is still reporting as a NEGATIVE account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Enhanced Recovery Co.LLC is reporting this debt to credit bureaus without proper validation. I have requested validation and collection agencies keep sending me this excel spread sheet. This is not considered a valid validation. This account has been to several collection agencies and every time I ask for validation they have never been able to validate so they remove it from the credit bureaus. They are trying to collect for XXXX, I did not have service with XXXX during the time shown on the excel spreadsheet. That 's why they cant validate. I had cancelled XXXX, because my son transferred his XXXX service to our address. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a loan with servicing company, Loan Care ( account # XXXX ). I previously put a request for a credit dispute of a late payment that was reported to the credit agencies. Since XXXX XXXX, 2015, I received a letter stating that my loan is " current and that the late payments were to be removed for XXXX and XXXX 2015 '' on my credit report. I am requesting for another letter to have my wife 's name on it as well ( as she is on my mortgage account too ) ; also requesting to have LoanCare notify the credit reporting agencies that my wife 's credit account is " Current and to remove the late payments reported in XXXX and XXXX 2015 ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: a collection appeared on my credit report, this company did not inform me before it was added or inform me of my right to dispute. when i called the company they could not find the account. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Hello, I received a letter from Ally Financial inc.and Ally Bank, that they settled a lawsuit with XXXX government agencies -- the U.S. Dept. of Justice and the Consumer Financial Protection bureau -- over allegations of discrimination in auto financing. and that a credit will be reflected in my next billing statement. I was told that the credit would be applied to the principle, but when checking my ally online account history, the XXXX credits {$48.00}, of that {$24.00} went to finance charges, {$94.00}, of that {$47.00} went to finance charges. QUESTION : Is n't that whole amount to be applied to the principle? 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a Macys account in 2014 when they promised a discount on all purchases that day. I later found out that they did not discount as they said so only kept this account for a few months. When I received a statement in XX/XX/2015, it said I owed {$66.00}. I paid this on XXXX/XXXX/2015 and asked that my account be closed since I felt I could not trust this company. Today, I received an email saying I owe them {$4.00}. I called Macys this evening and the woman told me they charged an additional {$2.00} after I paid off the account and now they are adding another {$2.00} on the original XXXX. She could not help me stating her manager would call me at some point but she could not say when. 

Company response: Company chooses not to provide a public response
Consumer complaint: The XXXX 's rents Inc.that are on my credit report on transition and XXXX is not mine.those were husband accts.they never put meme on accts. cause they said I was n't working. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I had proceeds from a debt consolidation loan issued to Macys to pay off an outstanding balance. On XXXX XXXX, the check was deposited by Citibank ( the owner of Macys store credit card portfolio ) and cleared my credit union which funded the loan on XXXX XXXX. 
The funds were never applied to my credit account and I can not get anyone from Macys or Citibank to respond to my emails. Their customer service is HORRIBLE and they simply seem to not care or push the issue off to another department claiming that someone will email me back in 3-5 business days. That timeframe has come and gone. I 've also tried calling their customer service number but consistently get transferred to an automated system that does n't allow me to resolve my issue. 
I did notice on the check that the credit union listed the last XXXX digits of this account number that appeared on my credit report they had pulled ( XXXX ). The card for this account was last a few months back so a new card was issued ended in ( XXXX ). Both accounts are tied to my name, address, phone number and SSN though and the XXXX account was simply transferred to XXXX so I 'm not sure if there was any confusion that Macys did not attempt to contact me before cashing the check. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am trying to modify my loan with Bank of America. However, they have filed a lawsuit for a " relief of Stay '' so that they an start the foreclosure process on my house. They filed this lawsuit without offering me a loan modification. 

Company response: Company chooses not to provide a public response
Consumer complaint: The agency does not have my balance and limit accurate on my credit cards through XXXX XXXX XXXX XXXX XXXX is $ XXXX and balance is below $ XXXX XXXX XXXX XXXX balance is {$9300.00} NOT $ XXXXThe inaccurate limit is causing my ratios to be high when they are really not. Disputed but still not updated. The agency MUST report inaccurate information correct? I feel no one even read my dispute or even my request. 

Company response: Company chooses not to provide a public response