AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was informed today the bank was closing my account after a business decision. On Friday this account was placed on hold and I did not have access to the money. The bank has not disclosed the reason for closing my account in XXXX business days. I have tried on several occasions prior to today/ XXXX XXXX, 2015 to obtain information. In accordance the consumer account agreement it stated 'the bank will give notice required by the laws governing your account '. I do not have notice or explanation for the HOLD. I am only told the investigator has made a final decision. In speculation, I have POA for my father and have written check from his account since XXXX XXXX, 2015 to pay the bills from this account. My father was not able to write the checks and I lived in a different location. I did not asked to be placed on this account since I was in hopes of my father would be able to handle his affairs on his own. I tried to put a copy of the POA on file for this account. I was told I would have to open another account and close this XXXX. I decided against that because again I wanted my father to have access and handle his affairs. I wrote checks from my fathers account and deposited the checks in my account and paid other bills from this account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Why is Select Portfolio Servicing allowed to charge me {$5.00} to pay my mortgage online? XXXX XXXX XXXX does this if you pay past a certain date but I am able to go into a branch and make my payment in person. SPS does not have this same opportunity. This is ridiculous and should not be allowed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Why did XXXX XXXX ( Credit Agency ), take off the $ XXXX-Dollars, ( for a PARKING FEE LATE CHARGE OF MY VEHICLE ), as I had & was told by my Daughter, that SHE had picked-up HER CAR. ( as I had given my Car to her ). *IN THE PAST I HAD GIVEN MY DAUGHTER XXXX-Other Cars ... .. ( SHE HAD ALWAYS GOT THEM, in the past ). I was in the XXXX, & thus had NO WAY OF KNOWING if in fact the Car had been picked-up by her? 
SHE TOLD ME SHE GOT THE CAR, I HAD GIVEN HER. 
WHY DID XXXX XXXX XXXX XXXX, take this ( XXXX ), off of MY CREDIT REPORT ... ... AND EXPERIAN DID ''NOT ''? 
Thanks, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Per our conversation a representative from GLA /phone number XXXX, continues to call me numerous of times throughout the day, and when asked about the debt amount the representative was very aggressive, and gave me an an amount that differs from the amount I received in the mail. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: A debt of what was recently said to me of {$810.00} was a result of an overdraft fee from 2006 by a bank under FDIC. A phone call was received by company who was tasked with contacting me to deliver a summons or something to that effect provided me with the information of the attorney 's office that accepted the case. When I proceeded to contact this office a representative of this office did not fail to enforce understanding upon me of severity of paying the amount in full or be taking to court. However as I requested detailed information of the matter by rights of the first initial contact received, the representative refused to provide any information. As a military service member I then proceeded to take the matter to the Judge Advocate General who in representation of me attempted several times to speak with any representatives in that office and none answered or return a call on the matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: Netspend deactivated my card when I inadvertently went into overdraft because of an XXXX order that was billed in several different increments. They did not notify me at all that my card was deactivated, so after I made a deposit to put the balance over {$170.00} in the positive, I tried to use it at a gas station and it was declined. I check the ATM at the station and it said I had {$170.00} balance, but when I tried to withdraw money from the ATM it was declined. I tried again and it was declined. I logged onto the website and it said I had that much available, but it also charged me {$.00} for each of the XXXX times I checked my balance. At that time I received XXXX text messages at once from them stating my card had been deactivated and I needed to reactivate it online. I tried to do so, but it indicated that the card was " already activated. '' I called the customer service number and a very rude XXXX man, supposedly named " XXXX '' informed me he could NOT reactivate my card, he would have to send an email to the department who did that. I indicated I was XXXX miles away from home and needed to purchase gas to get home and the deactivated card was the only method I had of doing so. I told him I needed to talk to someone who could rectify the situation NOW and he offered for me to speak to his supervisor. After holding for more than XXXX minutes, my cellphone battery was dying, so I told " XXXX '' to have a supervisor call me on my daughter 's cellphone, and I gave him the number. I told him to also email the department who could fix the problem and I needed to know when it was fixed so I could actually drive home. This was at XXXX and I had XXXX of my children with me. It is now more than 12 hours later and I have not received any phone calls, text messages or emails regarding the status of my card. I called the customer service number again and held for more than 10 minutes without anyone coming to the phone to take my call. I am furious! I want access to MY money, which they are holding because I do n't have any way to get it out other than the card that is " deactivated ''. They send me texts for everything from deposits to withdrawals to advertisements. They could n't send me a text to let me know my card would not work, even though I had just deposited money onto it? This is poor business practice and when I called them it should have been corrected immediately. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: XXXX XXXX XXXX. First Colony Mortgage ( XXXX ) XXXX did not Relinquish the Keys to my houses which should have been done No later than XXXX XXXX, 2012 based on No matter what they are you XXXX when he or she gets the XXXX and claimed with faxes and foot step on land rule. The person is accounted for paying the XXXX from SSI and Welfare and the Direct Deposit Abduction Law is not neglected. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I purchased a vehicle in XXXX of 2014 and every credit inquiry is listed twice. All XXXX listed hard inquiries are for the same vehicle purchase. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi there, in XXXX of this year an unknown BK appeared on my Experian credit report that was said to have been filed in XXXX XXXX 5 years later. The claim and liability amount XXXX say 0. 
Please be advised I have asked that Experian remove this error and they have refused and request that I submit documents to support it removal. If I never filed or attempted to file a BK I would not have any paperwork. 
I can not refinance my car loan until the BK is removed. The bank is questioning me because it was never there before .... yes I know this is Experian 's error. Please help!! 

IDENTIFICATION NUMBER XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I spoke with the representative named XXXX on XXXX XXXX, 2015. He cursed and was verbally abusive towards me, and my husband. Also, he offered to have me make a payment up front of {$150.00}, and I said no I could not do it that night, and when my husband called today XXXX XXXX, 2015 to make the partial payment of our debt, he called me a liar to my husband, and hung up on him. That is not professional and verbally abusive. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Bank of America ( possibly other banks ) use antiquated timeframes for transactions to clear my checking account when using my debit card and/or routing number with bank checking account number as an electronic funds transfer/transaction forcing me to wait XXXX hours or as many as XXXX hours to show online and deducted from my available balance. This causes me to waste my own personal time, which is money, and my ability to enjoy my life, pay for items I need such as food, transportation and clothing. Think about it, before I can conduct a transaction the cashier or online website must contact the bank to verify I have the funds to complete a transaction in seconds. However Bank of America does n't have to show it online in my bank account for 1, 2, 3 or more days, possibly 5 business days ... how is this even legal in the digital age? If I am using an old fashioned method like a paper check maybe, but even then the casher runs my check through an electronic machine to verify I have the funds ... then why are n't banks like Bank of American required to show the amount verified and reduce that from my available balance immediately? We consumers need this and in this digital age we all know it is possible. For example, when I pay my XXXX cell phone bill it clears my Bank of America account almost immediately ( less than XXXX minutes online with my checking account ). Why do n't all my electronic transactions clear like this, there is no reason other than Bank of American holding out as long as possible to post the transaction to earn interest on millions of account holders or worse to cause us to forget we made that transaction so we have to go into overdraft and pay {$35.00} in overdraft fees, or even worse still up to {$100.00} in fees if there are insufficient funds and both Bank of America and the vendor I was trying to make a purchase charge me $ XXXX {$35.00} insufficient funds charges and still do not pay for the transaction! I need someone like the CFPB to make sure Bank of America makes all electronic transactions " electronic '' and in " real time '' like my XXXX online payments to clear and post within XXXX minutes not 1-3 days. This is costing me time and money, it is wrong in todays world. If my account can be verified for available funds in seconds then when that same transaction is completed that must appear as reduced from my account at that moment not 3-5 business days later. 

Company response: Company chooses not to provide a public response
Consumer complaint: I feel like I 've been a victim of identity theft and contacted the credit bureaus right away. I explained that I contacted the creditor and XXXX told me that this account belongs to someone else with a different address. So I did everything that the Experian representative told me so that these accounts would come off. I checked almost every other day to see if anything has been done ; to my surprise, not even a dispute was placed on any accounts that we 've discussed. Then I was informed about your agency who keeps everyone in check. I am really hoping that these kind of business is not tolerated as we know that a lot of things depend on credit rating. We can not afford to have a XXXX bureau just because they can do whatever they want or not do what ever they do n't want even if its the right thing to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is in Reference to Case number : XXXX, reported XX/XX/XXXX regardingnot been able to re-financ my mortgage @ XXXX XXXX XXXX XXXX , XXXX, FL XXXX with WellsFargo/American Servicing Company. 
I have researched this issue of claiming that my mortgage is not with XXXX XXXX. 
Please see attached Documents from the " Title Company '' that shows that my mortgage instruments signed on XX/XX/XXXX was with XXXX. 
XXXX Documents attached : ( 1 ) The letter that WellsFargo/American Servicing Company Official sent to me that claimed categorically that the loan is not XXXX ( 2 ) My researched documents from " Title company '' that shows that the mortgage is with XXXX. 
All I want them to do is refinance my mortgage/Remodificagtion to lower my rate sitting at 6.626 % for the past 10 years. 
I should be able to take advantage of HARP program to lower my rate and payment. 
I have contacted other banks, I was told that my mortgage company is the only one that can do this for me, to make it cheaper. 
Note : Could you please help me with this issue. You can see it from the Title company document that it is XXXX. I am not sure why they are telling me it is not XXXX while the document says it is XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: experian would not delete wrong information 

Company response: Company chooses not to provide a public response
Consumer complaint: I have filed complain with all XXXX credit bureau 90 days a go and still have n't gotany reply back 

Company response: Company chooses not to provide a public response
Consumer complaint: transunion would not delete wrong information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank was sending statements to the wrong address. The XXXX had an annual fee which I was unaware, as I did n't receive statement, and cause the card to go XXXX day late before I could catch it. The account had a XXXX balance before the annual fee and now I have paid the annual fee and late charges that it had caused. I asked to have them remove the XXXX day late reporting but they refused but they wont help. They also lowered my credit line from $ XXXX {$250.00}, which is also adversely effecting my Can you please help me with these problems? I have reached out to citibank on multiple occasions, and spent hours on the phone with no resolution. 
mastercard account # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX my wife lost her job and we applied for a HAMP modification for our XXXX loan with Citi Mortgage. After a long and painful process, where documents were continually " lost '' by Citi, we were told to start making lower, " trial '' payments on our home loan. After successfully completing the trial payment series, we were denied a HAMP modification due to our income and/or assets. We had to repay the entire amount due resulting from the trial payments. 

We continued to communicate with Citi Mortgage on this matter for the next two years. We received denial after denial and suggestions that we should submit to foreclosure. Even though we were in much better financial shape, Citi finally agreed to modify our loan after another successful series of " trial '' payments in XX/XX/XXXX. The modification extended the term of the loan from 30 to 40 years and reset the interest rate to the then current market rate for mortgage loans. There was no forgiveness of principal. 

However, unlike with the HAMP application two years earlier, our credit report began to show " missed payments '' corresponding to the required " trial payment '' schedule. We are now completely recovered financially and our credit scores range from XXXX to XXXX. We would like to refinance our mortgage to a 15 year term and take advantage of still low current rates. But despite our high credit scores, those " missed payments '' still appear on the report. Based on the negative credit, lenders will not allow us to refinance. 

This whole mess started in XX/XX/XXXX. If we could get the credit hit moved back to XX/XX/XXXX, they would come off our credit report next year. As it is, it will be XX/XX/XXXX before we can refinance. We only did what Citi told us to do. We made payments in the amounts and on the time frame they required. I have contacted the credit bureaus and they refuse to help. 

Is there any way we can get our credit report to more accurately reflect what really happened with Citi Mortgage? 

Company response: Company chooses not to provide a public response
Consumer complaint: I just received a call today, XXXX, from someone claiming to be from XXXX, when spefically asked if with government XXXX, the gentleman said yes. The agent proceeded to tell me as part of XXXX his job was to let people know they are entitled to savings due to the type of loan that I had.I was told I did n't need to agree to anything at the moment and just to hear the cost savings. The agent proceeded to connect me to a 'Specialist ' while he remained on the line. I heard a recording say Loan Depot before the 'specialist ' got on the line and asked the agent who was Loan Depot as he said XXXX XXXX The line was abruptly disconnected at this point. Please make consumers aware loan companies are claiming to be federal agencies. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: In XXXX of this year, my wife and I started receiving multiple phone calls from Green Tree Services LLC, our current mortgage holder. The caller was stating that we were several months behind in our mortgage payments and we owed upwards 0f {$4000.00} to them. Checking our online banking statements it showed that all of our mortgage checks had been processed and we were making the monthly payments. The woman calling, XXXX, was extremely rude in the voice mails and in one of my recorded voicemails, she curses into the phone. My wife was finally able to get a hold of another representative from the company who explained to my wife that Green Tree had made a mistake and placed all of the checks they had received from us into our escrow account, which in turn showed the mortgage not being paid. They even went as far as to send notice of eviction to our home. While we were desperately attempting to figure out what was happening to our checks we were sending, the company continued with the harassing and bullying phone calls. They even went as far as to call my place of work to harass me. After they finally realized the mistake was theirs, the calls stopped. I am extremely displeased with the undue stress and harassing calls this company has caused my family all due to a mistake on their part. The quality control of Green Tree Services leaves much to be desired. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have contacted Citi Cards multiple times in regard to a check they issued to an incorrect address. They have continually told me to follow up with them week after week. This has been going on since XXXX, it is now XXXX. They admitted they never updated my address in their system and were at fault ; however, they have not followed through in correcting their error. They advised it could take WEEKS to place a stop payment, which is ridiculous. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dietech Financial, aka Greentree will be forclosing on a house located at XXXX XXXX XXXX XXXX. today at XXXX XXXX pst. They have not dealt in good faith with us and have " dual tracked '' this house in that they told us we were eligible and be considered for a loan modification. We have also submitted an offer and a short sale package to them within the time line that they set. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Someone claiming to be XXXX XXXX continues to call my job after I told them I do not have any outstanding debt, to stop calling me at work and to mail me whatever information they have against me. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Caller said she is XXXX XXXX from the Law Offices of Scott Caruthers, calling to collect a debt. She was very rude and when I told her I was at work and not to call me here anymore and asked for her number she did n't want to give me her number. She threated to file a lawsuit in court and it would lead to 25 % garnishment of my wages. I kept telling her I could not talk while at work and she was very rude and pushy! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Never recieved a bill so i do not understand why im recieving this letter. I have insuranc so i should be covered for whatever procedure! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: They called and said they would give me a hardship settlement if I paid them right now with debit. They said checks and credit are not acceptable. He said he would be forced to go further if I do not pay and take me to court. They then proceeded to harass me at work, I did not give them my work numbers. XXXX XXXX is the name he gave me XXXX. The ladies name was XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Solomon & Solomon are reporting an old XXXX bill as owing XXXX. I have asked them to provide me proof of the amount owed as I know I do n't owe what they state. I filed with the Attorney General office and finally got some documents that show that they are collecting and amount that does n't belong to me and they continue to report it erroneously. I have been disputing this for over 3 years. The attempted to make their own excel spreadsheet and pass that off as what I owe. Once they provided all the supporting docs it showed that there was an amount transferred to my bill for XXXX that does n't belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: all late payments and inquiry and other negative info on my report and filled complaintwith all XXXX credit bureau and never got any response in timely manner 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo approved me for a mortgage in XXXX. In XXXX XXXX I could no longer work nor pay my mortgage. At that time and for a subsequent year, I kept the property up while offering to give the bank a deed in lieu of foreclosure. Over that year, I talked to no less than XXXX individuals at the bank ( never the same ones XXXX and got conflicting information. In XXXX the bank started a foreclosure action. Over all this time I had offered the bank a deed in lieu of foreclosure with the understanding that it would not seek a deficiency judgment. In XXXX the lawyer for the bank finally agreed to this proposal ( the same XXXX I offered the month XXXX ). However it still took the bank 's lawyer, court and the appointed referee more than XXXX months to have the Judgment of Foreclosure and Sale occur. It is scheduled for XXXX XXXX, XXXX, exactly XXXX years after I offered the property to the bank. 
In the meantime, I had a XXXX and after spending more than XXXX months XXXX over a XXXX year period, I am starting to get my health back. My complaints are : Why would the bank not take a deed in lieu of as soon as it became obvious that I did not have the resources to pay the mortgage ; Why did the bank not take steps to protect the property ( e.g., leave the power and heat on minimal heat settings to avoid what finally happened : frozen pipes and overwhelming mildew and black mold )? When the house finally sells, the bank will get pennies on a dollar because it failed to protect the property. 
I am XXXX years and trying to get my credit back so that I can buy a car on reasonable terms. I fault the bank and the law firms handling the foreclosure action. I get a strong sense that the bank has and had a mechanism in place to assure that it will not loose any money in the long run. That mechanism may be as simple as stating to the regulators " look at the losses we were forced to take ''. Please note, neither I or anyone else has lived in the premises for this 6 year period. In my current physical condition, I would be unable to live there. 

Company response: Company chooses not to provide a public response