AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am a mutual costumer of Bank of America and I have submitted a compliant about a XXXX ago and XXXX of the employee from customer resolution contacted me and notified me that the issue I had was taking care of and they will issue me a balance I had before they terminate my account and i did receive the check from them but when I took it to the bank they said " the check is invalid '' and they could n't give any explanation as to why. I called the customer service and they said " there is nothing we can do '' they left me with anger and disappointment. This is the most unprofessional bank I have ever seen. None of them could resolve the issue I have with them. It 's my money and they told me that I had a balance that needs to be given to me but they still have n't returned my money. What kind of bank disappoint some one who has been a customer over XXXX years? 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is assigning a mortage. XXXX has no right since it does note own the note. XXXX only keeps track of mortgages. The bank representative acting as a XXXX reperesentative is assigning the mortgage. XXXX can not assign mortgages. It does not own the note and therefore can not assign the mortgage. The bank representativce does not work for XXXX, or have the rights to assign the mortage without owning the note. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased a car on XXXX XXXX, 2014 from XXXX XXXX in XXXX, IL. I received a contract and drove off with the car that day. On XXXX XXXX, and XXXX XXXX, XXXX decided to run my credit report again to the same finance companies creating a total of XXXX inquiries on my credit report, since I bought the car on XXXX XXXX, 2014. I never gave permission for XXXX to run my credit again and for what. When I explained this to the credit bureau, XXXX XXXX, XXXX, and Experian, they informed me that hard inquiries ca n't be removed, because they were done by the consumer or credit holder. I was very upset, because I never authorized or give permission to those finance companies or XXXX to run my credit on XXXX XXXX, or XXXX XXXX, 2014. My credit score has dropped over XXXX points because of this. When I told XXXX, they said well we were trying to find a different 'finance company, if XXXX XXXX had approved me. I asked them to have it removed in XXXX, but they said I needed to dispute it with the credit bureau. Now I 'm back to here. I ca n't dispute it with the credit bureau, because they wo n't let me. They state that it is a hard inquiry so I ca n't dispute it. Can you please investigate? In the Experian report on pages XXXX shows the inquirees. Please notice the dates for XXXX, 2014 and the multiple inquiries. Thanks! 

Company response: Company chooses not to provide a public response
Consumer complaint: Countrywide Bank, now owned by Bank of America, did not provide ANY answers to my request for a loan modification in writing. The only resolution was done by phone and the employee told me several different answers as to the status of the loan modification. ( anything from " Yes, the modification was approved '' to " the modification is being reviewed and to check back with them in a couple of months. '' Employees that no longer work at Bank of America have stated, " The unilateral ploy to answer customers is to provide stall tactics. " ) Countrywide Bank is the originators of the loan, and I am claiming that they conducted themselves with predatory loan practices by artificially inflating the loan to benefit Countrywide Bank. 
The loan value depicted the value of the home, and it led me to believe that if Countrywide Bank would loan me the money for the home, then the home must be valued correctly, to the value that Countrywide Bank placed on the home at XXXX XXXX XXXX XXXX XXXX, CA XXXX, at the time of the mortgage. If the bank will loan me the money for the home, then great, they have a lot more tools and a lot more resources to identify what the true value of the home is. 
Following this valuation from Countrywide bank, the true value of the home was discovered by the real estate market to be much lower. The original loan amount was for approximately {$580000.00} USD, and the true value was found to be approximately {$250000.00} USD, Countrywide Bank artificially and intentionally, inflated the value of the home so that Countrywide Bank would be solely benefited, without assuming any of the risk or attempting to correctly value the home with the necessary resources that was available to Countrywide Bank at the time of the loan. 
By Countrywide bank and the new owners " Bank of America '' using stall tactics and other means to not move forward with a mortgage modification or some other resolution, they have placed me in a position of very few options and none of them that are offered will have me remaining in the home. Now the options are a " Short sale '' or " deed in Lieu '' or foreclosure, and the loan modification that was offered places the value of the home approximately {$800000.00} USD, which is no where near the true value of the home. 
Bank of America needs to establish a true value of the home, and since it is their fault for not providing a suitable loan modification so that I could remain in my home, and this will cause me to be homeless. I have no good options to place me in a home with even half of the square footage, and I claim that Bank of America should have criminal charges filed on them for Predatory Lending, and any other laws that they have broken with this mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received calls and mail correspondence from First National Credit Bureau in reference to a 2004 XXXX debt that was a result of identity theft but was sold to XXXX XXXX and now has been sold to FNCB. This debt has not and can not be validated. I 'm requesting assistance in handling this matter properly and swiftly. This is considered junk debt being that it is XXXX years old and besides it was opened in my name without my consent. I have attached the original police report and letter I received from the collection agency. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After years of trying, in XXXX of 2013 Wells Fargo finally processed a loan modification ( after the MHA helpline intervened ). Unfortunately the modification as not done properly and instead of being " current '' once the modification was executed the mortgage was already thousands of dollars behind. While working patiently with them to resolve the problem I discovered that they had apparently changed the terms of the modification after I signed and sent it in, increasing the interest rate and adding a {$75000.00} balloon payment due at the end of the loan. After being recently laid off I applied for a HAMP deferrment and the application was being processed, but after I insisted on receiving answers about the XXXX modification being changed Wells Fargo sent me a letter saying my HAMP application had been withdrawn at my request ( it had not ) and they placed my condo into Foreclosure status and set a sale date for this tuesday without telling me. 

Company response: Company chooses not to provide a public response
Consumer complaint: In late XXXX, I applied for a XXXX XXXX credit card from U.S. Bank. It advertised that for cardholders, the last night of each XXXX XXXX hotel award stay is free. I signed up for the credit card with that benefit as my primary motivation. Then, about a month after I received the card and after they charged me a {$75.00} annual fee for the benefit, U.S. Bank announced they 're no longer offer the last award night free benefit. I think that 's extremely deceptive. I called in to say how disappointed I was and see if U.S. Bank is offering compensation. They offered me XXXX XXXX XXXX points, which is next to nothing. For reference, the closest XXXX XXXX hotel to me in New Jersey is charging either {$100.00} or XXXX points for a room tonight. That 's a value of approximately {$0.00} per point. That would mean XXXX points is worth {$7.00}. That 's not even close to fair compensation for a benefit worth a free hotel nights ; a benefit that I already paid for through the annual fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: Fidelity Account Services called me on XX/XX/XXXX about an amount owed to a former college that I attended in XX/XX/XXXX/XX/XX/XXXX. I have never heard of this debt in fact I had received a refund when I withdrew. They sent me a barely readable form clearly showing my refund as well as an amount added for XX/XX/XXXX semester which I did not attend. i contacted the former college and they have no record of this being owed and show a refund given on my account. I do not know if this is a scam to collect money not owed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX 2015 my credit card with Citibank was compromised. They contacted me promptly to address the issue, told me they were freezing my card and sending me a new one. At that time they notified me of a few pending charges and assured me that those charges not incurred by me would be refunded. 

Unfortunately, I later noticed XXXX charges from a company called XXXX XXXX, each for {$140.00}. This appears to be a company based in Tennessee. I currently live in XXXX, XXXX. I have never heard of or done business with this company. As soon as I noticed these charges on my bill I contacted Citibank to notify them, and was told they would be refunded in 7-10 business days. 

Approximately XXXX weeks after my initial conversation with Citibank about the fraudulent charges from XXXX XXXX, I called them again to notify them that I had only been refunded XXXX of the charges and the remaining {$140.00} was still outstanding. They assured me that the charge would be refunded and again asked me to wait up to 10 business days. In good faith, I did, but no further credits were made to my account. I have since contacted them XXXX more regarding this same charge. The last time I called, approximately one week from today, I was told that the charge was refunded to me, but for some reason it was not showing up when I looked at my bill online. I was told that they would send me copies of my paper statements, which would show the refund. 

I received the paper statements earlier this week, and no refund appears. I see the original refund for {$140.00}, which I was well aware of, but nothing has been done about the remaining {$140.00}. I even thought there might be an error in showing the credit/refund, on the bill, but it might instead be reflected in my balance. This was not the case. I added up the credits and debits to my account manually, and the balance is still missing {$140.00} incurred due a fraudulent charge. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear CFPB, I am having a problem with accessing my credit. I 've applied for XXXX XXXX XXXX XXXX credit cards from XXXX XXXX Bank, XXXX. In XXXX 2015, I was denied and the reasons for their decision was credit bureau information missing or unavailable. I made a complaint to XXXX and they gave a response that was somewhat satisfactory. They explained that a initial fraud alert was placed on XXXX XXXX credit file. I then resubmitted the same application a month later and was denied for the same reason. I spoke with a supervision in the application dept. on XXXX/XXXX/15 at approx. XXXX and it was suggested to me to contact the CRA and get the initial fraud alert removed because they are not able to see items in XXXX XXXX credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid off my Aspire Credit card more than 2 years ago. Recently, I was notified by my potential mortgage lender that Aspire Credit Card has incorrectly reported on my account status with XXXX with XXXX different account numbers and XXXX different statuses. Once as " closed and paid in full '' and the other as " closed and paid with a balance, '' this XXXX XXXX is incorrect and has not been updated since 2009. When I called to ask for a correction, they said my records were purged so they could not correct the account and would not send me a letter stating that the account was purged. Apparently it is their policy to delete all account information if it is paid more than XXXX year old, but not a policy to update the records correctly with the Credit Bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: Vehicle was totaled in an accident on XXXX XXXX and CNAC has been calling since anywhere from XXXX-XXXX times a day. Today we 've had XXXX calls wanting the remaining balance of loan after they received the insurance check. They are even trying to get us to buy another vehicle through XXXX Byrider to cover remaining balance plus the new vehicle price which there is definitely no way we can afford that with monthly income from social security XXXX. They are now threatening to take us to court. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear CFPB, I am having a problem with accessing my credit. I 've applied for XXXX ( XXXX ) credit cards from XXXX. In XXXX 2015, I was denied and the reasons for their decision was credit bureau information missing or unavailable. I made a complaint to Transunion and they gave a response that was somewhat satisfactory. They explained that a initial fraud alert was placed on XXXX XXXX 's credit file. I then resubmitted the same application a month later and was denied for the same reason. I spoke with a supervision in the application dept. on XXXX/XXXX/15 at approx. XXXX and it was suggested to me to contact the CRA and get the initial fraud alert removed because they are not able to see items in XXXX XXXX 'S credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: I moved out from XXXX XXXX in XXXX 2014. I received notice in XXXX 2014 that I owed various items, which were illegal in the state of XXXX to collect - such as re-painting the walls. I contested the charges with apartment complex. XXXX months later I received notice From XXXX, they simply sold the debt to a collections agency and did not call or work with me on my request for more info or to resolve. XXXX became aggressive to collect despite requests to resolve. I hired an attorney who sent requests to XXXX and to XXXX to provide sufficient detail regarding what was being collected, and within the law, they had 30 days to respond. Neither party responded to the party within the allocated timeframe. As such, the debt is invalid due to lack of response from EITHER party. I have disputed this debt with XXXX and provided information and they removed it XXXX and XXXX need to remove this debt as well, but refuse to because XXXX continues to state this is a " valid '' debt despite proof that we have attempted to resolve this in the legal forums. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did n't take a loan for XXXX. From this college. I only took XXXX classes and those classes did n't cost XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I tried changing my due date over a week ago ( 7 days roughly ) prior to my due date. I have automatic withdrawal scheduled on my due date. The CSR told me I have to cancel my automatic payment online only and change my due date online only. She did not tell me it had to be at least XXXX business days before the due date. Today, 3 days before the due date, I 'm told by a floor supervisor ( XXXX branch # XXXX ) 3 business days may not even be enough. Sometimes they will still auto withdraw the payment from the account, there is no guarantee it wo n't. Also, they can not manually cancel the transaction, even if they contact their " payment processing '' department they can not do it. I struggle with this considering the size of the organization, that they can not manually put a stop to a transaction when the payment is not even pending. Also, the terms and conditions do not mention that " potentially '' it may or may not hit your account. The terms and conditions are only available via a small link you have to click and read, the web page itself does not present or require you to read them before you accept the automatic withdrawal. You can easily, accidentally skip over the link and continue the setup of your automatic withdrawal payment. Needless to say this entire payment process is unfair and deceptive. 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion is refusing to block fraudulent information on my credit report. I spoke with a representative by the name of XXXX in the Special Handling Department on XXXX/XXXX/2015 and was told that TransUnion had not received my police report and that was why XXXX fraudulent account continued to report in error on my credit report. She indicated that the other fraudulent accounts were blocked because XXXX had received my police report and shared the information to block the items. She indicated that I could send her a copy of the report via fax and she would promptly block it in accordance with Section 605B of the Fair Credit Reporting Act. She also indicated that it was already being investigated, but she would block it with police report. 

I called in today to learn that it would not be blocked and that it is being investigated and that she did receive the police report detailing the fraudulent account, but since it is already being investigated it is nothing she can do. I also sent in a copy of my drivers license with my new address on it and I am being told that she did not receive it with the police report. I have verification that all pages of the fax went through successfully. 

Company response: Company chooses not to provide a public response
Consumer complaint: I ordered a credit report from Experian for {$1.00} on XX/XX/XXXX. When I checked my credit card bill on XX/XX/XXXX, I discovered an unexpected charge for {$21.00} from Experian. I contacted the company the same day and was informed by the customer server representative that I was now enrolled in their Experian Credit Tracker program for {$21.00} and that they would not refund the charge. 

The customer service agent informed me that I was sent an email notifying me about the enrollment. I located the email ( in my junk mail folder ). That " notification '' omits any mention of a {$21.00} charge or any other charge whatsoever. 

On returning to the original Experian website, I discovered a difficult-to-read statement in fine print explaining that I would be charged {$21.00} monthly if I did not cancel within seven days. It is hidden away in small, gray type on the gray background of an otherwise brightly colored webpage announcing in enormous type : " '' What 's your FICO ( R ) Score? Find out now when you check your credit report for {$1.00}. '' This page is designed to mislead consumers, and in my case it succeeded. I actually thought I was ordering a credit report for {$1.00}. Silly me. 

It is impossible to cancel a membership in seven days when the consumer does n't know they are being charged for something. Since their own follow-up email does not notify the consumer of the charge, they are left in the dark until after the seven-day period expires. 
I neither requested nor want this so-called membership. 

When I spoke with the consumer service agent, on XX/XX/XXXX, she cancelled the monthly membership but refused to refund the initial {$21.00}. I asked to speaker to her supervisor, who also refused to refund charge. She referred me to an email address, and I sent them a written request the same day. On XX/XX/XXXX, an agent replied in writing again refusing to refund the charge. 

I believe Experian, dba Experian Credit Tracker, is engaged in a classic deceptive business practice. The company has a lengthy history of such practices, as I have since learned, addressed in the Credit Card Act of XX/XX/XXXX. 

I want a refund of {$21.00}, minus the {$1.00} fee they claimed I would be charged. 

Attachments : screenshot of Experian webpage ; " Welcome to Experian Credit Tracker '' email ; Email correspondence with " XXXX '' from Experian Consumer Billing Department. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently paid off a Citi card in full before it reached my credit report. When I paid it in XXXX of 2013 it was explained to me that it would not report on my credit report. I recently had my credit report pulled for personal reasons and saw they did report it after it was paid. I would like them to consider removing it off of my credit reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: We got screwed over by Wells Fargo. We won the lawsuit & got a settlement. This is so unfair to still be on our credit report! We have been paying higher interest rates since. Going on five years! We would like this off our credit report! 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX collections that have recently been put on my credit report by a collection company and they have no record of the collection. I have tried to dispute the items with the bureau and they have come back as verified and not going to be deleted according to XXXX. I do n't know where else to turn to help as this item is severely damaging my credit. 

Company response: Company can't verify or dispute the facts in the complaint