AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I did not have enough in my bank account to cover my ACH {$97.00} insurance payment. The next day, before noon, I noticed, and transferred money from my savings to my checking, and I was in the positive. I thought I had caught it before any NSF fees could be levied ( I had never opted in to overdraft protection ). But, the ACH amount was credited back to my account and a {$34.00} NSF fee levied. I did not see this charge until the next day, otherwise I would have transferred more. Later that day, I was charged a monthly fee ( which can be anywhere between XXXX or {$12.00}, which is confusing to me ), which put me overdrawn again. I transferred another {$100.00}. Now I see I have XXXX overdraft fees, for a total of {$68.00} in overdraft fees and {$34.00} in NSF fees. I 'm confused. I thought overdraft was opt in, and NSF was a fee when the bank decides not to pay? I am trying to close this account anyway due to some very suspicious things like this, and I have been fearing that something fishy would happen, like them saying it was closed but it was n't and then charged a fee to keep it open in the red. I 'm confused, because I know the bank had sent me a packet with new terms ( I 've had this bank 9 years ), but I thought I had to explicitly opt in? 
Which is it? Am I able to be charged both NSF and overdraft on XXXX transaction? Do n't they mean the same? This is n't the XXXX fishy thing that 's ever happened. XXXX they decided, all of a sudden XXXX month with no notice, to start charging {$11.00}, then {$13.00}, then {$12.00} ( in consecutive months ) on my savings account, with no notice or packet outlining changes in terms or anything. I called and complained and they said " Oh we did an audit and you 're supposed to be paying {$10.00} for the savings account ''. I then asked why they charged me XXXX different amounts, none of which were {$10.00}, and why they decided 7 years later I 'm supposed to be paying some fee I had n't heard of. The lady did n't even have an answer. She just reversed the charges, and I got no explanation as to why the charges just started appearing. I had to do that XXXX, and I still have no answer besides " an audit ''. Another time, they shifted the order of my transactions ; my biggest transaction was on Monday, and XXXX smaller XXXX on previous Friday. They processed the bigger later XXXX and levied a fee on each of the XXXX smaller ones, and I paid it, but did not remember until later that I did not opt in. They even told me over the phone they decided to change the order of processing. I was shocked, but I just let it go and decided to be more careful. My bank is Citibank. I 'm leaving them shortly because I 'm tired of this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I pulled my credit report and saw this company on listed as collecting XXXX. I myself personally do not go to XXXX any amusement parks. I sent in a dispute in writing in early XXXX 2015. I kept calling back to get the status of the dispute and was continually told to call back each week. I finally received correspondence in the mail showing what supposed charges. I requested to have the contract showing where I agreed to the account, date I agreed to the contract, and proof that the account was mine. The agency was only abel to provide me with a copy showing it was drafted from a XXXX account, but it did not show my name as listed on the XXXX account. I called this morning and spoke with XXXX XXXX. I advised her I received the documentation only showing that the account was drafted under XXXX. She was extremely rude and berating. I advised her that I requested further documentation proving the account was mine. She then in a heated and belittling voice told me that was the documentation, and that it was my account. I advised her that what was sent was not proof that it was my account, and that since I have requested complete validation of the debt over a month ago, and that it was not provided that under FCRA the account needs to be removed from my credit report. Her tone took an even more hateful tone. She then started to not let me speak, and basically called me a liar in so many words. I told her that since my name does not appear on the drafting account for XXXX I needed social security number that is attached to the accountI. She rudely stated that there is not XXXX. I asked her how can it be proven without my name on the XXXX account and my social how can this be proven it is mine, and then her response was " XXXX does n't require a social. '' I asked to speak with a manager and she said she was a manager, and that there was no XXXX higher i could speak to. I asked her her extension and she advised me that she does n't have an extension that we were speaking on a recorded line for managers at extension XXXX. I advised her that I would be getting in contact with the Attorney Generals office in her state and she just said " OK! '' I have the written documentation that was sent to me and I would be glad to send it in to accompany this complaint via fax. I do not have a way to scan it at this time, but can fax it today. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: - called Ally Auto to have a deferred payment on XXXX XXXX. 
- called Ally Auto to pair the partial payment as requested for the deferred payment. Ally instructed me to make the payment over their internet application. Payment was made on XXXX XXXX online at approx XXXX per ally instructions. 
- ally informed me this would post in 2 business days and that the deferral would not effect any credit reporting agency. 
- ally reported me 30 days past due for the payment- I 've contacted Ally XXXX to request investigation and removal of 30 day late payment. However have been unable to resolve. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently found that at the time of my loan closing that my loan for XXXX at 5.875 % 30 yrs simple interest had been changed to 6.875 % FOR TEN YEARS. 
and could go up to 12.875 % BY GOING UP 2 % every six months. I DIDNOT SIGN FOR THIS. 
MY loan broker discovered this and told me i neversigned up for this and he never made me aloan likethis. I declined to pay and they are foreclosing XXXX XXXX XXXX XXXX at XXXX XXXX. I need help. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: In XX/XX/XXXX, I requested a " free '' credit report from Experian online and was asked to enter my credit card for a {$1.00} charge to have the report sent to me. In XXXX, I noticed that Experian had been charging my XXXX Visa since XX/XX/XXXX for some kind of membership that I did not request nor agree to. It costs {$21.00} per month and the total charges I have paid are {$130.00}. I have repeatedly attempted to cancel the membership and reverse the charges without success. I have requested that Experian refund all charges from XX/XX/XXXX to XX/XX/XXXX, but they have refused. It is still unclear to me whether this membership ( and associated charges ) is now cancelled. There are numerous other complaints similar to mine posted on-line and they number in the XXXX. The people affected by Experian 's practices probably number in the XXXX because of the likelihood that not everyone will post this problem on line. Experian 's customer service representative admitted he received numerous complaints just like mine, but does not make and can not change " policy '' for Experian. Please put a stop to this practice. It is rampant and a simple XXXX search for " Experian unauthorized charges '' will reveal how extensive this fraud is. Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: The card promised the benefit listed below but after payment of my annual fee I received notice this benefit was ending as of XXXX XXXX, 2015. I called for reimbursement of my {$60.00} annual fee and was told that was not possible. I paid my fee but US bank did not honor their part of the agreement. 

2.Bonus Award Night : When you redeem XXXX for Award Nights of XXXX or more consecutive nights at the same participating XXXX XXXX hotel property, you will receive the last of the Award Nights of that stay free without deduction of any XXXX from your Club XXXX account ( " Bonus Award Night '' ). Your Account must be open and reservation must be in the XXXX XXXX member 's name and use the member number associated with your Account to be eligible for the Bonus Award Night. The Bonus Award Night offer is available only on advance reservations for Award Nights paid in full with XXXX XXXX and is not valid with standard paid reservations or XXXX redemption reservations. Only XXXX Bonus Award Night will be available for a stay of XXXX or more consecutive nights at the same hotel ( early checkout with XXXX night stay not eligible ), regardless of the total length of stay, the total number of reservations or the number of check-in/check-outs, is subject to availability and all other terms and conditions and cancellation policies regarding Award Nights apply. Does not apply to additional reservations booked as contiguous stays at the same hotel. Only XXXX room per reservation, per hotel for an Award Stay will be eligible to receive the Bonus Award Night offer. Your Account must be open at the time of redemption to qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). Maximum XXXX ( XXXX ) Bonus Award Nights per calendar year per member with an open Account ( " Annual Maximum '' ). If a reservation with a Bonus Award Night is subject to a cancellation penalty, the Bonus Award Night from that reservation will count against the Annual Maximum. A Bonus Award Night has no XXXX or cash value and cancellations involving a Bonus Award Night will not result in the credit of any additional XXXX in your XXXX account 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is being filed because I have tried to reach out to experian telephonically and have been unable to get through to a live person. On XXXX XXXX I sent Experian a copy of my police report because I have been a victim of identity theft. In the cover page I included a list of the fraud accounts including the XXXX account # XXXX. For some reason all of the other accounts were removed but this one was not included. I have tried to reach by phone but can not get through to a representative to make them aware of this situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our mortgage modification was denied by our servicer Bank of America ( BOA ). We checked with XXXX XXXX XXXX XXXX through XXXX and they confirmed that we are clearly qualified under the HAMP but BOA still denied us. In their denial letter BOA did not even consider the PRA that we requested. In the same letter BOA states that we are approved for Short Sale and they will release their mortgage lien on our property even though they will accept proceeds that are less than the amount we owe. They say that they are willing to accept a lower amount in a short sale but not reduce our principal in order for us to be able to afford and continue to stay in our home. 
Our mortgage is not owned or guaranteed by Fannie Mae or XXXX XXXX. 
We owe more than our home is worth. ( We owe {$480000.00}, the property is worth {$260000.00} ) We occupy the house as our primary residence. 
We obtained our mortgage on or before XXXX XXXX, XXXX. ( Origination date XXXX/XXXX/XXXX ) Our mortgage payment is more than 31 percent of our gross ( pre-tax ) monthly income. ( Current mortgage payment {$1600.00}, our monthly gross income is {$3500.00} ) We owe up to {$720000.00} on our XXXX mortgage. ( We currently owe {$480000.00} ) We have a financial hardship and are delinquent in mortgage payments. 
We provided sufficient, documented income to support the modified payment. 
We have not been convicted within the last 10 years of felony larceny, theft, fraud or forgery, money laundering or tax evasion, in connection with a mortgage or real estate transaction. 
We even reduced the homeowners and windstorm insurance on our property in order to reduce our escrow but BOA still is refusing the modification. 
Our loan was originated by Countrywide Home Loans and then in XXXX it was assigned to XXXX as XXXX for XXXX XXXX CWALT Inc ( certificate Series XXXX ). CWALT is Countrywide Alternative Loan Trust. So no one knows who the real investor/owner of our loan is and BOA is our loan servicer who is refusing to modify our mortgage which may force us to loose our home. Up to date we paid to BOA over {$250000.00} for our {$460000.00} mortgage loan and according to their statements we still owe them {$480000.00}. We also understood that BOA is fully capable of internally modifying mortgages up to 25 percent of net monthly income as well as offering substantial principal reduction. 

Company response: Company chooses not to provide a public response
Consumer complaint: This was my ex-wifes debt that has been investigated by XXXX, XXXX, and experian and proven as Not My Debt and removed from my credit reports. I have sent this company MANY letters showing my case results and they continue to send me settlement offers monthly that even acknowledge that it 's my ex wife s debt! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Around XXXX XXXX I stopped paying my mortgage because I was injured on the job. I was out of work for a year. I have returned to work. In XX/XX/XXXX I hired an attorney to help me with loan modification - have been denied at XXXX times with Wells Fargo - It 's been going on for 2 yrs - In XXXX XXXX I was denied -unable to create an affordable mortgage payment - then we reapplied XX/XX/XXXX again was denied unable to reduce the principal and interest payment by 10 % - then I reapplied again XXXX XXXX this time I used my brother in law as a contributor who lives with me to show additional income -again I was denied for HAMP for different reasons because I have reached the allowable number of modifications - why was n't I told this from the beginning from the previous denials -HAMP TIER 2 was denied because we are unable to modify your mortgage based on the result of the NPV however I went to the website XXXX I was found eligible. -In addition, they reduced the income that was submitted -I feel I am being treated unfairly and being discriminated - I am asking for your help - I want to save my home and I have been trying to workout out something with ASC and they seem to deny me for different reasons - HELP ME! please investigate this matter with ASC 

Company response: Company chooses not to provide a public response
Consumer complaint: Repeated calls and voice mail from this number identifying themselves as XXXX Focus Receivables, a debt collection agency and requesting a callback. They provide no reference account numbers or details then ask me to leave information. I do n't owe any debts to anyone and these calls are disrupting my right to quiet enjoyment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This complaint is against Bank of America , N.A . as successor by merger to Bank of America , Home Loan Servicing, LP, as successor in interest to Countrywide Home Loans Servicing, LP ( " Bank of America '' ) for numerous violations of 15 USC 1692. Bank of America has violated the Fair Debt Collections Practices Act ( " FDCPA '' ) by among other things, its unlawful collection of debt when it had no contractual authority to do so while falsely purporting itself as " Servicer '' of the Mortgage loan ending in XXXX. Additionally, at least as early as XX/XX/XXXX, the Note and Mortgage the subject of this complaint were rescinded by the Mortgagor pursuant to 12 CFR 1026.23 ( d ). Despite the void status of the Note and Mortgage, Bank of America continued its unlawful collection actions and fraudulently attempted to transfer " servicing rights '' to the Void Mortgage to another company on XX/XX/XXXX 

Although Bank of America will likely attempt to respond to this Complaint by misleadingly stating it is no longer the servicer of the Mortgage the subject of this complaint, this complaint is based on the fact that Bank of America was NEVER the legal servicer of the Mortgage and can provide no evidence to the contrary. 

A CFPB investigation will confirm that Bank of America had no legal contractual right to service the mortgage loan the subject of this Complaint and has concealed this fact for years, now falsely claiming to have transferred said " rights '' it never legally held to another company. In the process, Bank of America made numerous false statements with regard to my Note and Mortgage in the attempt to collect a debt, and attempted to collect an amount not expressly authorized by the agreement creating the debt and permitted by law in violation of the Fair Debt Collections Practices Act, a federal consumer financial protection law. 

Many of the false statements and misrepresentations are outlined in the full Complaint with supporting documents attached. 

Company response: Company chooses not to provide a public response
Consumer complaint: The card promised the benefit listed below but after payment of my {$75.00} annual fee I received notice this benefit was ending as of XXXX XXXX, 2015. I called for reimbursement of my annual fee and was told that was not possible. I paid my fee but US bank did not honor their part of the agreement. 

XXXX.Bonus Award Night : When you redeem Gold Points for Award Nights of XXXX or more consecutive nights at the same participating XXXX XXXX hotel property, you will receive the last of the Award Nights of that stay free without deduction of any Gold Points from your XXXX account ( " Bonus Award Night '' ). Your Account must be open and reservation must be in the XXXX XXXX member 's name and use the member number associated with your Account to be eligible for the Bonus Award Night. The Bonus Award Night offer is available only on advance reservations for Award Nights paid in full with Gold Points and is not valid with standard paid reservations or Points + Cash redemption reservations. Only XXXX Bonus Award Night will be available for a stay of XXXX or more consecutive nights at the same hotel XXXX early checkout with XXXX night stay not eligible ), regardless of the total length of stay, the total number of reservations or the number of check-in/check-outs, is subject to availability and all other terms and conditions and cancellation policies regarding Award Nights apply. Does not apply to additional reservations booked as contiguous stays at the same hotel. Only XXXX room per reservation, per hotel for an Award Stay will be eligible to receive the Bonus Award Night offer. Your Account must be open at the time of redemption to qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). Maximum XXXX ( XXXX ) Bonus Award Nights per calendar year per member with an open Account ( " Annual Maximum '' ). If a reservation with a Bonus Award Night is subject to a cancellation penalty, the Bonus Award Night from that reservation will count against the Annual Maximum. A Bonus Award Night has no Gold Point or cash value and cancellations involving a Bonus Award Night will not result in the credit of any additional Gold Points in your XXXX XXXX account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have called many times after seeing this on my report. I spoke to someone and they could n't find any information in their system and seemed irritated that I was trying to figure out what the debt was. I asked them to remove this reporting from my report or provide all the documentation to me showing that what the debt is for and that it is mine. They never sent anything but still continue to report it messing up my credit costing me lots of money 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have a public record / judgement on my credit report which does not belong to me. This public record has kept me from financing my home, and has even kept me from getting a job. On XXXX XXXX, 2015 I appeared in court before a judge to clarify the judgement was not mine. On this day I was given a court order specifying that the judgement belongs to an individual with a social security ending in a sequence of numbers which does not match mine. After sending a dispute to Experian I was told the negative listing can not be investigated because I did not include my entire social security. ( I sent my last XXXX, name and address ) This issue continues to keep me from doing the most basic things in life like purchase a car, a home, or even get a job. Please Help! 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian has a collection account on my credit report. The information is incorrect and I do not owe anything. I filed a dispute with them before and they did not properly investigate the matter. I filed again recently and I am trying to speak with someone from the company. I have call records that show I attempted to call on more than XXXX occasions and they keep me on hold for long times and eventually the call is disconnected. When I asked a representative to give me a direct number to call the dispute department because I keep getting disconnected after long hold times he stated " we do not have a direct dispute number. '' I was told that I just have to call the general number and be transfered. I have yet to have a single successful transfer. When trying to file an online dispute they have a XXXX word maximum to describe what happened, that is just not enough to describe what happened and how much damage this is causing. The account is charging me for a lease break and a new carpet for my old apartment. I did not break my lease I was evicted. I should not be charge for a new carpet. When I moved in the carpet was already very old. I paid my security deposit and an extra pet deposit when I adopted my dog, and I paid dog rent as well every months. I did not get any of the deposits and after living there for a year with an animal on an already old carpet, they company had to replace the carpet regardless, but I will not pay for them to remodel. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company has called my family and I about a payday loan. They have used profanity and threatened to take money from us. They even called my sister and harassed her and told her info about herself that they were never given by my sister. They call from various numbers all day every day. They tell us they are gon na have papers delivered to our place of employment or residence. We have received nothing in writing to this affect. The original copy has sold my information to various other companies and now all of them are trying to scam my family and I. 

Company response: Company chooses not to provide a public response