AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: i would like to pay ONLY what is owed and my legitimate charges. i would like an itemized list of charges and overdraft fees need to be deleted. im a single mother and i dont have much money. i really want to fix my account with XXXX and Suntrust never fully resolved account issues before closing the account and assessing unfair fees. i had duplicate charges from XXXX ( suntrust account was linked to XXXX ) i went into the XXXX XXXX, md banking center to resolve. the branch manager told me she would resolve but did not. i have many over draft fees on the account even after XXXX faxed in a letter stating the error. this is not in collections and needs to be resolved. i will pay whats owed 

Company response: Company chooses not to provide a public response
Consumer complaint: My TransUnion account is showing a " new employer '' on my list that I do not work for. I have had the same job for years, nothing new should be appearing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had XXXX " miles '' on my XXXX card issued by Barclays Bank , also known as Barclaycard , when they suddenly closed my account without notice and for no apparent reason. ( See Exhibit A ) When I called to inquire, the rep could n't figure out why, but said there is nothing he can do about it. 
It seems like a deceptive business practice to tell me I can earn and redeem " miles '' then just close my account out of the blue without compensating me for the value of the rewards that I earned. 
What Barclays Bank calls " miles '' are rewards redeemable at a rate of XXXX cent each for travel expenses charged to the card, with 10 % of them being returned to the " miles '' balance. As you can see from Exhibit B, their website promises : " Redeem your miles for travel statement credits, and earn 10 % miles back to use toward your next redemption. " Thus, the value of XXXX " miles '' would be {$1200.00}, with 10 % of the miles ( XXXX ) being returned to my account after redemption, which I could then use for another redemption of {$120.00}, making the total value after just XXXX redemptions {$1400.00}. 
It seems deceptive that Barclays Bank would encourage customers to earn these " miles '' and then close an account without notice or reasonable cause. 
I have been an excellent customer. My FICO score has ranged between XXXX and XXXX over the past year, according to Barclaycard itself. 
I have never made a late payment, nor had a bounced payment. In fact, I generally have paid early ; Barclays Bank sends out emails, starting off " Why wait? Make a payment now '' encouraging early payments before the due date. 
Not only have I used this card for a significant amount of my spending, but I 've also responded to their promotional enticements. For example, Barclays Bank encourages the purchase of gift cards, such as by offering XXXX ( XXXX extra points per dollar spent ) by buying XXXX XXXX XXXX XXXX through their Barclays RewardsBoost online shopping portal. ( See Exhibit C ) I have done that. 
I 've been deliberately trying to earn " miles '', and as shown in Exhibit D, Barclays Bank claims repeatedly that there is " no limit ''. 
It is deceptive for this bank to entice people like me to use this card, accumulate a significant amount of rewards, then pull the rug out from under me. 
Their website touts " 300 years of experience has taught us a thing or XXXX about financial services. '' It seems like whenever Barclays Bank is in the news, it 's for some sort of deceptive practices or fraud - apparently they think have become very proficient in that sort of thing. 
I will consider this matter satisfactorily settled if my account is credited for {$1400.00}, the minimum amount that my earned miles are worth if redeemed for travel statement credits. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting fraudulent inquires on my credit from companies listedXX/XX/XXXX XXXX AND XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX SHOWS XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX / XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a credit card for XXXX with XXXX Bank Creditor, I got my denial letter stating my credit score was low of XXXX from Experian at XXXX Experian XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. However, I went to Experian to obtain my credit score and it states XXXX. I check my credit score regularly and it has not been that low. I have called XXXX Bank and they told me to dispute with Experian because that is where they got the information, so when I called Experian they told me I needed to call back to the bank to figure out " what model they used to pull the credit score? '' He would n't let me make a dispute or speak with a superior and kept telling me to call back to the bank. So I called back to XXXX bank and they told me they do not give out those information nor can find out how to find that out. I need to find out where they obtained this credit score because it has denied me a credit card and also affect my credit inquire. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a bankruptcy more than 15 years ago. It has not been taken off my credit report as it should be after so many years. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Bank discriminately closing, denying account access and being denied opportunity to open a small business account pursuant 42 U.S. Code 1983 and 15 U.S. Code 1691 ( d ). 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan modification began in XXXX of 2015 ; out company XXXX sent in a complete modification packet and the bank began processing the application. The bank is refusing to grant a modification because they claim that the client make too much money. However, the bank has refused to take into account the fact that the client incur unreimbursed employee business expenses ( per their tax return ). Despite Wells Fargo 's usual custom & practice of allowing unreimbused employee business expenses to reduce the income valuation, Wells Fargo has for some reason refused to do so in this case. They have, instead, gone ahead to schedule a foreclosure date of XXXX XXXX 2015 without any reason for doing so. They claim that because they have sent the client 's file to a " Reentry Team '' which has imposed an absolute bar on the file getting approved for a modification. 

Wells Fargo has, for no valid reason, violated the client 's right to a Fair Review Process and have rejected any reasonable avenue to avoid foreclosure on this home. Every time our company has spoken to a Wells Fargo Loss Mitigation agent, they have always been bent on having the foreclosure process completed. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt was settled with the exact same debt collection agency yet they reinserted the debt back onto my credit report after it had been taken off. This is becoming insane. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a second complaint filed -- the initial complaint resulted in the bank rescinding the original foreclosure. We discussed the payment required to enter into a forbearance agreement. The original amount discussed was significantly lower -- the amount that was offered by the bank was eventually much higher and the funds were not available to make such a payment. We agreed to sell the family home after making certain renovations : those renovations ( about 80 % ) were made at a cost of over {$40000.00}. We began listing the house a short while ago. It was our understanding that the bank would give us the time to try and sell the house at a reasonable valuation. The listing price was almost XXXX % below the tax appraised value -- I think it showed we were serious about selling the home as quickly as possible. A great deal of work went into the staging and removal of most personal items to a storage center. 

We were scheduled for a realtor open house last weekend when a stranger knocked at our door saying the property was listed in the paper for foreclosure just a a little over a week away and wanted us to retain him to fight the bank -- we declined. A couple of days later a letter arrived from the Bank 's law firm saying the foreclosure was re-instated and scheduled for XX/XX/XXXX. The bank officials with whom we had discussed the forbearance, etc.had out emails and telephone numbers -- they made no attempt to contact us an alert us they were moving in this direction. We in good faith made several investment renovations decisions in the prior week, including purchasing new counter tops and appliances for the kitchen and replacement windows. It appears that this investment has been for nothing and we will lose these money. The auction will only bring an amount close to the banks loan/lien and we will see $ XXXX - $ XXXX of equity disappear. 

Given our willingness to list and sell the house at a discount, I think it would only have been right for the bank to provide this time. Also they should have communicated sooner that they were moving forward with the foreclosure so we could have stopped investing in renovations to the home. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX center removed XXXX collection accounts but it is back on my credit report. Those XXXX accounts should have never been on my credit report. I had insurance at the time and I was not there on the day they claim. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America refuses to terminate mortgage insurance on the property, even thou the LTV is below 70 %. BofA demanded we pay {$450.00} for another appraisal to be done by XXXX XXXX XXXX XXXX. I think it is unnecessary and violates the spirit and the letter of the Federal Homeowners Protection Act of XXXX as amended in XXXX. The full appraisal of the subject property was performed on XXXX XXXX, XXXX by a fully licensed appraiser, certified to perform appraisals for FHA. The subject property was appraised at {$490000.00}. A copy of the Appraisal Report was submitted to BofA on XXXX XXXX, XXXX. The current Principal Balance on the loan is {$340000.00}. That makes LTV below 70 %! In the letter dated XXXX XXXX, XXXX received from BofA, it estimated the Property Value as of XXXX XXXX, XXXX to be {$470000.00}. The LTV ratio based on BofA 's own Property Value Estimate is below 70.00 %. Furthermore, even if you take the Purchase Price of the Property at the time of purchase in XXXX, of {$430000.00}, the current LTV is still under 80.0 %. On XXXX XXXX, XXXX we send a check for {$450.00} to cover appraisal fee for a second appraisal as Bank demanded. Bank cashed the check immediately and still has not even started process of appraisal. I called back PMI department they said they do n't see payment for appraisal being processed! I filed a complaint with CFSB on XXXX XXXX, XXXX, got a letter from XXXX XXXX, " customer advocate '' that she is going to resolve the matter by XXXX XXXX, XXXX. Nothing happened as of today. I am leaving messages to her phone number XXXX it does not even ring, goes straight to voice message ) she calls me back XXXX days letter when I am not at the phone and leave me a message. There is no way to get a hold of her. I asked for a fax or email to communicate, with no success. Nothing is being done and PMI is still charged. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid off this bill but it is still in collections. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My name is XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX at XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX, NC denied a checking account for me. XXXX XXXX stated ChexSystems had a DENIAL code on my ChexSystems file XXXX my consumer id is XXXX ). I spoke with XXXX at ChexSystems immediately after who stated they do n't place denial or approval messages on consumers accounts. Can you review if ChexSystems is reporting a denial or approval to financial institutions? 

Company response: Company chooses not to provide a public response
Consumer complaint: I leased a car in 2008 from XXXX. I lost my job and was unable to make payments and returned the vehicle. The law firm of Kieth Weiner and Associates in XXXX Ohio began trying to collect on the reminder of the debt. I paid approximately {$5700.00} towards this debt to their firm. I still owed an additional {$2700.00}. A lien was put on my bank account in this amount leaving me {$450.00} to take care of my financial obligations. In the state of Ohio {$420.00} is protected in consumer accounts in these situations. I am however a legal resident of South Carolina and have been for almost a year. South Carolina residents are guaranteed {$5000.00} in protection. I informed The Keith Weiner Law firm of this several times and they refused to release my funds. They told me their attorney said that they could take the money but that they were willing to settle. I knew that they would have kept the entire amount if they were legally able however with all of my money in their hands my only option was to settle or borrow money to hire attorneys to fight them. I had children to feed and they knew it. This was a case of lies, extortion, and blatant disregard of the law. I settled for {$1200.00} but did not sign anything. My bank charged {$100.00} in legal fees. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dear Sir/Madam, Subject : Complaint Against Neighborhood Assistance Corporation of America ( NACA ) My home Mortgage with XXXX XXXX XXXX was initiated through Neighborhood Assistance Corporation of America ( NACA ) which is a non-profit organization, getting XXXX Dollars from Members and also from Government. NACA have/had been advertising that getting Mortgage through them, Members would not have to pay closing cost, down payments and other benefits, which proved to be false also. XXXX XXXX XXXX was already offering many benefits to their members like me as I have Accounts with them for many years.. I am attaching their promotion flyer to me. Neighborhood Assistance Corporation of America has been adding $ XXXXmonth in to my mortgage payment since the closing of mortgage on XXXX XXXX, 2009. At the time of closing, They did not explain anything about that adding $ 50XXXX to my mortgage payment and had me sign a contract between them and myself before closing of Mortgage, without explaining it or letting me read it saying it 's just formality. I did not receive the copies of contracts at time of signing it, which they sent me quite recently after I had filed a dispute with them and second Contract I received was even later. Also on XXXX contract, my wife is not included and added in XXXX contract and in that contract it 's not her hand writing and signature or mine. They had explained me through lots of meeting and conferences when I was working with them regarding getting the mortgage loan with XXXX XXXX XXXX that their program helps mortgage holder in economics/financial hardship to avoid foreclosure and make my mortgage payments for up to XXXX times at a time. I am Unemployed for several months, actively looking for work so I contacted NACA as I was facing severe Financial Hardship and talked to several people from NACA through several telephone calls and emails, including their managers and provided lots of documents to them on their request but I was not getting any help what so ever, getting false promises and runaround and later they were not even replying to my phone calls or emails. I recently received that copy of contract between NACA and myself, which states that they will be making payments to my mortgage lender and other clauses of contracts are very one sided and deceptive, till I get back on my feet. Later they were not letting me cancel the contract and keep adding $ XXXX/month and XXXX XXXX XXXX would let me do it as They have Contract with XXXX also.. I do have proofs of my Complaint, which I can share with you as and when needed. I have Loan to catch up with my Mortgage Payments to XXXX XXXX XXXX, which have added to my XXXX Debt. 
NACA is very Clearly in Violation of several Rules ans Regulations, some of which are as follows : Unfair and Deceptive Trade PracticeDebt Adjusting ACTThe Mortgage Assistance Relief Services ( MARS XXXX RuleBreach of ContractIf you have any questions, please feel free to contact me. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXXXXXXXXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: To whom it may concern, I am filing a complaint against Chex-systems because I have been a victim of identity theft and I sent them my police report and got a response from them that i was clear of any negative information that was reporting due to the fraud. I tried to open up a savings account and was denied because there is XXXX accounts reporting negative on my file with XXXX XXXX XXXX and XXXX Bank. The dates on these accounts are right around the time that I sent my police report to Chex-systems. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have negative marks on my report that I believe have been satisfied. This has disqualified me for a loan. I need and would like to have my credit history updated, XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a checking and a savings account with SunTrust Bank, On one occasion I had received a check for {$2500.00} in the mail that was deposited and placed on hold by the bank as standard procedure. While the check was on hold no debits were paid out on the deposited amount and no ATM withdrawals were attempted or processed. During the hold process over several days, the bank sent a letter stating that they could not verify the funds with the bank listed on the check and the deposit would not be credited to the account. At that point I assumed that was the end of the issue and that I would just need to subtract the amount of the proposed deposit and pay the {$15.00} dollar handling fee and later contact the business that sent the check for restitution. What took place unfortunately was Suntrust Bank went ahead and added a number of additional charges, closed my account and sent a report to XXXX ... ..stating that the account was closed due to Fraud in XXXX 2014. Since that time I have contacted XXXX. to dispute the case and in the process Suntrust Bank does not provide any new information to help resolve the issue, they only send the a verification that a report was submitted under my information back as a response to the dispute when filed through XXXX When I contact SunTrust customer service at XXXX XXXX XXXX XXXX XXXX I 'm repeatedly told by representatives that take the call that since the account has been closed more than thirty days, they can not provide any account numbers, account information or even a number or link to a department within SunTrust bank that could help me. At this point I have no way to effectively dispute or obtain closure to the issue XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: THIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Therefore, I would like to request an arbitration hearing to resolve this issue. As per, " The Fair Debt Collection Practices Act : The Consumer Protection Act was amended in XX/XX/XXXX to include the Fair Debt Collection Practices Act ( Public Law 104-208, 110 Stat. 3009 [ XX/XX/XXXX ] ). Congress passed the law to address the abusive, deceptive, and unfair debt collection practices used by many debt collectors. " In response to CORRESPONDENCE RECEIVED FROM : XXXX : Dated : XX/XX/XXXX ( Enclosed ) First and far most, I would like to certainly make one thing perfectly clear. This is a request for Validation of Inaccurate / and erroneous or fraudulent charges. Upon your review of my credit reports, from ( XXXX/XXXX/ TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting that I owe both creditors a debt. I am in dispute of this inaccurate billing error, AND that I would like to get this inaccurate erroneous /or fraudulent account issue resolved immediately. I never had a XXXX with XXXX XXXX XXXX. Technically, there is apparently a Contract Billing error, and /or fraudulent billing practices. This Fair Credit Report Act Violation has impacted every aspect of XXXX XXXX consumer rights in the marketplace. It is evident that this company is engaged in illegal billing tactics. How can a company could be allowed to do this. Consumer rights and consumer protection law provides a way for individuals to fight back against abusive business practices. These laws are designed to hold sellers of goods and services accountable when they seek to profit by taking advantage of a consumer 's lack of information or bargaining power. Some conduct addressed by consumer rights laws is simply unfair, while other conduct can be described as outright fraud. Consumer rights laws exist at the federal and state level. They are enforced by government agencies, offices of attorneys general, and through individual and class action lawsuits filed by victims. 
Clearly, this inaccurate account contains Illegal billing practices/ as well as hidden fees, and unauthorized charges. Creditors charging consumers twice for the same service or product are unacceptable. I have yet to receive a detailed summary of the DEMINISHED INACCURATE ACCOUNT. Consumer rights laws also protect the public from false or misleading advertising. For example, automobile dealers have been known to advertise a vehicle at a reduced price in order to draw shoppers to the dealership. Once they arrive, however, that vehicle or sales price is no longer available. The dealer will then pressure shoppers into purchasing a vehicle on less favorable terms. In addition to these " bait and switch '' advertising tactics, consumer rights laws address things like warranty misrepresentation, defective products, forced arbitration clauses, identity theft, and other types of harassment and fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a certified used car w/ Ally Bank being the lean holder. The car I purchased had several issue I only took the car to the dealership to get serviced never did they inform me of any issues, but the check engine light kept coming on. The gas and or the fuel pump was fixed XXXX by the dealership within a months time. After two weeks the engine failed. They saying to repair it cost XXXX XXXX dollars which I do n't have and now I 'm stuck with a XXXX XXXX dollar loan for a car that is worth XXXX and is also not operable. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX loan was sold to Frederick J. Hanna and assoiciates. Hanna and associates will not return any of my calls nor will they send any receipt of payment that was sent for a {$500.00} payment by money order to their office. Customer service agents do this on purpose so that they wo n't have to work with the customer and immediately set debtor up with garnishment, as in my case. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: National credit system account number are asking g too much for XXXX month rent I was. Not their to defend my self in court the rent was XXXX a month one month how can this rent plus a court cost of XXXX pluses XXXX an the cleaning how can that add up to XXXX that is why I want someone to vestigate I am not in no way to pay that I tried to work this out but they are abusing an taking advantage of the public an the credit bureau 

Company response: Company believes it acted appropriately as authorized by contract or law