AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: A year ago we took out a mortgage with Wells Fargo. At closing, the Truth in Lending statement disclosed a monthly payment of {$1700.00}. One year later we received notice from Wells Fargo stating there was a {$5000.00} shortage in our escrow account that would need to be paid, as well as our monthly payment would be increased to {$2200.00} We reviewed all mortgage documents, and found that Wells Fargo made an error on the Truth in Lending statement in regards to our taxes. We contacted Wells Fargo in an attempt to resolve this situation. After 2 months of review, they ultimately admitted they made a mistake, they covered the {$5000.00} escrow shortage, but said we are still responsible for the higher mortgage payment, which amounts to {$480.00} more every single month for the term of the loan. We are not satisfied with this resolution, as their mistake will cause our family to have to pay an additional {$480.00} each month for the next 29 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: Prior to XXXX XXXX, 2015 US Bancorp placed an inquiry on my credit report without my permission and with no apparent permissibly purpose. As a result of this inquiry, US Bank mailed me a pre-approved firm offer of credit. I accepted the US Bank offer on XXXX XXXX and on that date US Bank placed further inquiries on the same credit report used to solicit me with their credit offer. Shortly after XXXX XXXX US Bank verbally informed me they declined my application and refused to state why. They have to this date never followed up with any written reason why they refuse to honor the firm offer of credit originally extended as a direct result of obtaining my credit report without my authorization or permissible purpose. 

It 's clear US Bank violates the FCRA by obtaining without permissible purpose consumer credit reports under the pretext of making a firm offer of credit yet their offer is neither firm or of value. It 's also clear that US Bank refuses to follow the FCRA in that they fail to provide written rational behind failing to consummate their offers and / or declining credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: according to my credit report there is an incorrect information in my profile .Which consists in the following : " XXXX account closed by the consumer '' .It never been closed! 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX unathorized charges withdrawn from my chequing account and the bank is stating that they find they to be valid since they occured in the country where I reside and also because I had changed my account type a few weeks back before the date of when the transactions occured. I never received any letter regarding the decision, I had to call to get information regarding the claim. I have also made a request to receive a copy of all supportting documentation that the bank used to determine this and they have stated that they are unable to because it 's in a format that they are unable to send via mail or fax. 

Company response: Company chooses not to provide a public response
Consumer complaint: Me & my father share the same name I 'm a XXXX and he is the XXXX. I have never had a XXXX bill in my name I believe that the current collection agency has mistaken me for my father. I have sent out XXXX validation notices to Stellar Recovery and have not got any response it has been more that 45 days. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, I used my debit card for {$23.00}. At that time I had {$300.00} in my account. Then on XXXX XXXX, I paid another bill for {$20.00} and at that time I had {$130.00} in my account. Later on XXXX XXXX, XXXX checks came through my account - XXXX for {$63.00} and XXXX, which I admit I forgot about writing, for {$120.00}. Bank of America manipulated the way the charges came through my account in order to charge me XXXX overdraft fees instead of just the one, and I actually think they are going to charge me a fourth fee this evening because the {$23.00} debit card from three days ago is still in processing and once it goes through another overdraft fee will be generated - even though the {$23.00} charge was approved three days ago. I know BOA paid a hefty settlement a couple of years ago for manipulating debit card charges in order to charge more overdraft fees and now they are doing it again. I guess they did not learn their lesson. 

Company response: Company chooses not to provide a public response
Consumer complaint: Ditech, formerly Green Tree Servicing is the mortgage servicer on my Home Equity line. I just began my repayment period. They are trying to charge me an interest rate and payment that is clearly in violation of my contract. I have no problem paying what I owe and have never been late on a payment, but when the telephone representative reads the contract with me, but the company says they ca n't find the information and must review it, they are trying to collect extra interest that is clearly in violation of my contract. 
When I inquired about this mistake, they listed it as a dispute on all XXXX credit reporting agencies, so now unless I agree to pay the incorrect amount I ca n't get this dispute closed. They are definitely dragging their feet because the correct interest rate and principle balance are stated right on my monthly statement. Yet, the payment due reflects and interest rate XXXX points above that. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015 I called into Bank of America to see why a credit had not been dropped due to processing error by the merchant. I contacted the merchant XXXX XXXX on XXXX XXXX, 2015 to make sure the payment was not processed. I spoke with the resoulitions mananger at XXXX XXXX named XXXX and she made sure the payment was not processed and was immediately refunded to my account. While speaking with Bank of America on XXXX XXXX, 2015 they told me that the payment would drop off in their overnight processing system and any fees associated with the account would be immediately refunded. However as of XXXX XXXX they payment of XXXX has not been dropped of my account and I have incurred over 210 dollars worth of fees because the payment as not dropped due to Bank of America not releasing the funds and steadily charging me outrageous fees. Due to Bank of America not processing the refund accordingly my account is now overdrawn XXXX due to not fault of mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: Upon review of my credit information reported on the credit bureaus, i noticed certain inaccuracies and incomplete and wrong information reported on my credit reports i disputed these accounts with experian : XXXX, XXXX, XXXX : XXXX. These accounts reporting are obsolete, unverifiable, several attempt to experian to delete these incomplete informations have proved futile. I have contacted the sources who have not confirm the accuracy of these reportings. I believe it is in the best interest of the consumer to have unverifiable, obsolete, incomplete information removed from my credit report. 
Again, this account from XXXX XXXX : XXXX is also inaccurate, i disputed this information with experian and XXXX at the same time, equifax DELETED THIS ACCOUNT BECAUSE IT WAS INACCURATE AND UNVEREFIABLE, i have attached a copy of the outcome of the dispute from XXXX to serve as a proof. I want these informations be removed immediately since im consulting with a consumer attorney about any legal process involved. Please forward this to experian to help me resolve this issue immediately 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage company is Statebridge LLC have never received my escrow analyis for the upcoming year, have called several times to request it and find out what the new payment is due XXXX XXXX, still no response. They do not return calls, emails or faxes. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took my ex-girlfriend 's XXXX son to XXXX XXXX XXXX, with the agreement that the mom would pay any fees incurred. The doctor 's office 's posted financial policy, that I agreed to, states only the custodial parent will be held responsible for any unpaid balances. In addition, the State of Georgia has a Parental Responsiblity Act reflecting a law which states only the custodial parent can be held responsible. XXXX XXXX XXXX says, since I filled out the medical forms, it is assumed that I am the parent, therefore have joint responsibility. Georgia laws and the merchants financial policy state otherwise. I have disputed this debt numerous times with XXXX and all they do is verify whether or not the doctor 's visit took place. That is not what I am disputing. I am disputing the legality of being held responsible for the unpaid debt and having it posted to my credit report by PDQ Services XXXX Inc. When I provided parental records, legal documents, financial policy, and copies of the laws to the credit reporting agency, creditor, and collection agency ; they refused to honor the documents. I have provided more than enough information to be exonerated from any financial responsibility and have had no solution from any party. XXXX will not honor the information I provided and referred me to get help from Bureau Consumer Financial Protection. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Kay Jewlers or " sterling Jewlers '' would call me 15-20 times DAILY. They called my wife/sibling/and even my aunt and have no idea how they got their numbers. They would ask my family me XXXX person information about me in which none would disclose. They would call from XXXX different numbers so I would never have any idea who was calling. The repeated calls would only lead to XXXX XXXX voicemails a day. This was extremely embarrassing in the workplace as my phone would constantly ring during meetings. I requested them to not call anymore and to just email/mail. This did not work. Each time the person would state they are from the home office of Kay Jewlers ... But had phone numbers from various parts of the country. I never knew if it was a scam or not. The individuals who called claimed I only had weeks to make it right or serous consequences would happen to me financially. This scared me as I could easily lose my job if this were to happen. I was forced to surrender my belongings out of fear of this which amount to {$1600.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I checked my Experian Report and Found a collection account from XXXX or XXXX, I notified both XXXX and Experian that these are Fraud and asked Experian to block this account under FCRA Section 605B and 623 ( a ) ( 6 ). Experian failed to respond and did not follow the law and blocking these accounts that were setup as a result of my id information being used Fraudulently. I included the US DOJ Case # XXXX in my complaint, the DOJ arrested a person that has all of my info and also Fraudulent ID documents of mine and were selling it off to other people as well!! 

Company response: Company chooses not to provide a public response
Consumer complaint: HOME @ FIVE MADE A HARD INQUIRE ON MY CREDIT REPORT WITH OUT MY CONSENT 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: On XXXX XXXX I went to my local bank and deposited a {$350.00} check into the ATM and it gave me a receipt. The following day my card continued to decline transactions. I phone the bank several times about the missing deposit. I was told that I attempted to make a deposit, but nothing cleared. I was angry because no one from the bank called or emailed to say the was a error in my account and that it was not reconciled by end of day. I started a investigation and was told around XXXX that the teller was watching my account and she saw what looked like a pending {$350.00} transaction, so I went home. This morning XXXX XXXX, the funds were still missing. I need my money now. They said they have to investigate in case there is fraud, meaning me I assume. The fact is, the ATM ate my check at my bank and I am sure I am on camera making this transaction. I want my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a {$500.00} revolving line of credit with Regions Bank. I am in the process of trying to close on a condo, so I paid {$300.00} last month and yesterday, XXXX/XXXX/2015, the account had a balance of {$190.00} in which I made a payment of {$200.00}. This a.m. I went into the branch to try to get an update statement showing the {$200.00} payment with a available credit of {$500.00}. Unfortunately, the XXXX branch manager could not produce an updated statement showing this payment and available credit. Unfortunately, I discovered Regions had assessed a {$37.00} paid in full fee and was able to produce a statement showing only this transaction. I also noticed that on this {$500.00} revolving account, Regions had " willy nilly '' assessed a ton of fees to this account throughout the time I have had this account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I live in XXXX but previously I was taking care of my Dad who passed away XX/XX/XXXX While taking care of him a debt collection and attorney in XXXX got a garnishment against my wages for a debt that was in XX/XX/XXXX. I was in major car accident and therefore on XXXX. I tried to resolve some debts but lost my home and job due to accident in XX/XX/XXXX. The attorney knows all this but somehow in a state I am not in was able to get the debt legalized and now is coming after me. I am XXXX and my husband is XXXX. I do not live with my husband as we are separated ( not legally ). I was never served court documents and I found out the attorney got the state to sign for my court documents. Why isnt this stuff done here in the state I am in is this legal?? They now have a hold of my bank account ( total is XXXX dollars ) and my lock box which holds personal items what can I do to stop what is happening. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Refinance loan application got declined. 
1. I have excellent credit. 
2. New payment is going to more than the current loan I have. 
3. Mentioned that my loan to income ratio was supposed to be less than or equal to XXXX % but told that it was coming out to be XXXX %. When asked for the basis and calculations, none are provided. 
4. Asked to bring {$7500.00} more to the table, in the lines of origination fee. When I said, i would not, the loan got declined. 

Company response: Company chooses not to provide a public response
Consumer complaint: CitiBank refuses to honor their printed terms and conditions to give me XXXX Thank You Points for every dollar spent on a cruise charged to my CitiBank Thank You Premier credit card. Their written terms and conditions ( T & C ) state : XXXX Thank You Points for every dollar you spend on purchases at ..cruse lines. Further down on the T & C it specifically states : " Cruise lines are classified as merchants that provide passenger transportation on the open sea or inland waters for the purpose of vacation or pleasure and operate predefined and advertised routes ''. 
My credit card charges ( dated XX/XX/XXXX and XXXX/XXXX/15 ) are listed as for " XXXX XXXX XXXX '' in a category called " MISC AMUSEMENT / RECREATION SERVICES ''. The total amount of the XXXX charges is $ XXXXCitiBank says that even though this is a cruise, because their system code for this charge was NOT a cruise code, they will not honor their terms T & C. They say they have sent this matter XXXX to their dispute department and my request has been rejected XXXX. They also tell me if my car repair shop ( or anyone else ) sent in a charge with the cruise code I would get the XXXX points per dollar spent. CitiBank says it is not their problem if something is mis-coded. They say the actual facts or truth as to what was charged does not matter, nor do their T & C. Only the coding matters.I disagree and look forward to assistance from your office in this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I send a certified letter to the creditor to this addresse ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to obtain a written verification documentation concerning the account dispute. sixty days pass without a response from creditor. I joined a copy of the letter to XXXX XXXX XXXX and asked Transunion credit report to investigate and the result came and state remain .the creditor keep updating monthly the account as charge off. after several call to the creditor they finally said that the account is transfer to XXXX collection agency since XXXX 2012. I wrote to Transunion again asking them to prove how their investigation was done and they should delete inaccurate information on my credit file. Transunion responded that the information is corrected and will remain. I need Transunion to delete or update the inaccurate information on my file. 

Company response: Company chooses not to provide a public response
Consumer complaint: I XXXX XXXX applied for a mortgage on or about XX/XX/XXXX. 
I applied for a mortgage amount approximately of {$500000.00}. 
I filled out a XXXX form and supplied all necessary documentation along with signing aXXXX form so the bank who originated this no income check subprime mortgage to verifyI can afford it. The bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX 's directly from the IRS to verify my actual income and stated what it was instead. The current mortgage with Wells Fargo Home Mortgage loan # XXXX and also with XXXX XXXX XXXX # XXXX on my Owner Occupied Property : XXXX XXXX XXXX , XXXX XXXX, NY XXXX, my S.S. # is XXXX D.O.B. XX/XX/XXXX. Wells Fargo Home Mortgage and XXXX XXXX are committing the following Fraudulent and Federal Law violations:1. LACK OF STANDING TO FORECLOSE ; ATTEMPTED ON OR ABOUT XX/XX/XXXX2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY. 

Company response: Company chooses not to provide a public response
Consumer complaint: As a result of a Credit Card furnishing me with my updated FICO score periodically, and having recently applied for credit, I learned that there is a XXXX point difference between XXXX of the XXXX reports. I spent time and money to find the XXXX, and was directed to file a complaint to an address that does n't exist by Transunion ( the one with the lowest score ). I tried to get all XXXX of my reports for free, but when I was on the phone with XXXX to get a bunch of information corrected ( duplicates, wrong address information, incomplete work history, some of my son 's credit history included in mine ), I timed out and was unable to retrieve or correct the other XXXX reports, though I 'm sure the same misinformation exists. This process of each of the XXXX companies using different models, different information, and NOT sharing a credit score unless the owner of that score pays for it causes the consumer to be denied credit frequently. Speaking with the individual company ( Transunion ) took XXXX hours and I never got an answer-a supervisor hung up on me ( XXXX XXXX ). He would not furnish me with his direct line or an address, or refer me to anyone else before he hung up on me. He also stated he could n't pull up my report and insisted I tell him what " factors '' affected my score, but could n't explain any of them. The entire process was frustrating, provided no information of value, and caused me a great deal of stress-and I still have no answers as to WHY I have XXXX credit reports with vastly different scores. Finally, when I asked for an address or contact information to file a complaint, I was given an address of FCRA, Credit Bureau Disputes, XXXX, DE, XXXX. This address is NOT associated with anything relevant to filing a complaint and I feel the supervisor purposely gave me false information to lead me astray. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had NUMEROUS complaints and ISSUES with Bank of America. In 2005 when we got hit with XXXX XXXX and I lost my XXXX income, I was told they had a hurricane relief program where I did not have to make a payment for 3 months. I called and applied, they told me no problem, after 3 months start making payments again. They told me I did not need to sign anything. After 3 months I receive a notice that I was in foreclosure. WHAT? I freaked out, called and they told me I had to make all my payments immediately or they would foreclose. I emptied my bank account and paid them. 
Then 5 years ago after the real estate market crashed I had a hard time making payments. I was 3 months behind but finally had the # to pay in full. They would not accept my payment, telling me I was in foreclosure. I had never been served. I was NOT in foreclosure. They would not take my $ and told me to call their attorney, XXXX XXXX. It took a month to get ahold of them, I called, faxed, emailed sent certified letter and US mail. Finally they called me back and told me to bring them a {$10000.00}. cashiers check and they had me sign a Stipulation Agreement to make 1 year payments and everything would be fine. I signed it and they notarized it and I thought everything was ok. Well, Bank of America apparently did not know what their attorney was doing and again they denied my #. They returned my payments and told me I was in foreclosure. I was freaking out. B of A said they never received the $ XXXX. I paid for a mediator to straighten this out and B of A told them they never got the {$10000.00}. that I gave the attorney several months earlier. Fast forward 3 years, I have been dealing with B of A to get a loan mod. It has been EXHAUSTING and time consuming. They keep switching account representatives, I keep being told one thing and they do another. Recently I completed my XXXX TRIAL Loan Modification where my payments would be based on 30 year mortgage @ 2 %. I bought the condo in XXXXXXXX5.87 %. So I made the payments based on that new payment structure. So imagine the SHOCK when I get the paperwork to sign for the NEW LOAN and it tells me I will have a 38 year mortgage at 4.87 %. I never would have made those payments if I knew that was the case. I am underwater here and they are NOT helping me, they are hurting me! I agreed anyway because I feel like I have no choice. I made the new payment for this month, after I had notarized the new loan and returned to them. And NOW I just received another NEW LOAN AGREEMENT for a different rate and they are telling me I do n't have to make payments til next year! I am SO confused. I called them right away and they ca n't explain it to me. They said they will have to call me back. I strongly believe they used the old " switch and bait '' on me. I need someone to look in to this for me and help me out. I am drowning here & they are XXXX me. Over and over, and over. It must be illegal. 

Company response: Company chooses not to provide a public response