AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We transferred money from our XXXX to our US bank account. Most banks operated with an exchange rate of XXXX the day the transfer was made ( XX/XX/2015 ), the highest exchange rate we have seen that day was XXXX. Bank of America on the other hand gave us an exchange rate of XXXX. This made the transfer about 260 dollars less than expected. After complaining to Bank of America they gave us 130 dollars back, an exchange rate of XXXX. We still mean this is far to high considering the exchange rate XXXX XXXX. 2015. They also informed us that their exchange rate is higher the higher the transferred amount is, and we want to complaint about this arbitrary way of setting the rate. 

Company response: Company chooses not to provide a public response
Consumer complaint: Paypal restricted permanently my accounts with them. I understand it is their business decision to not do further business with me but they are withholding my funds for 180 days before they release them. Upon contacting Paypal I was informed that this policy was due to potential charge backs / transaction disputes that may occur due to use of credit card and that the provision was part of their user terms and conditions. 

Paypal User terms and condition state that : '' XXXX Actions by PayPal - Restricted Activities. 
( ... ) e. We may hold your Balance for up to 180 Days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy ; '' I find that the period of XXXX is unreasonable in this circumstances because : - There is no risk of liability - my existing balances were from transfers from other users which loaded their accounts with Paypal MyCash which, according to Paypal terms and conditions, are non-refundable ( hence, the risk of liability from Paypal is non-existent ) - I am not involved in any prohibited activities described in the acceptance user policyI wish for Paypal to refund me XXXX, which is my existing balances across my accounts. Reference numbers : XXXX - XXXX - XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently paid additional principle on my home mortgage loan. After the additional principle payment the total balance of the loan is approximately 40 % of the appraised value. My mortgage company ( Penny Mac ) refuses to remove the PMI until 2 years from now. because that is the estimated date that the loan value would be below the required 80 % 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Roundpoint Mortgage Servicing Company says I owe them {$3700.00} which represents an escrow shortage. They assumed my mortagage in XX/XX/XXXX from XXXX XXXX XXXX XXXX. I have received XXXX prior Annual Escrow Account Disclosure Statements from Roundpoint ( XX/XX/XXXX and XX/XX/XXXX ) indicating I had a surplus. This is Roundpoints accounting and due diligence errors and I should not have to suffer financially because of it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America emailed me an eroneous bill. They have admitted to the mistake but can not explain it. I told them this was illegal. You can not be sending out eroneous bills and hoping that people pay them without looking. On XXXX XXXX I received an email saying that I owed them {$53.00} due on XXXX XXXX. I knew this was incorrect because I had just scheduled my payment of {$28.00} to be paid on XXXX XXXX. I XXXX checked and I was correct. 

I went online to chat with a B of A rep who could not explain what happened. He said a Manager would call me back on Monday. No one called. I chatted again on Tuesday night and the rep just told me to call the XXXX number which I hate doing because I know there will be a long wait. I called the XXXX number and explained everything again to a rep who was researching it then mysteriously I was transferred to another person. Now we are a XXXX into the XXXX attempt at a resolution. I get a manager on the line named XXXX who I had to tell the story again to. After XXXX minutes of him not really making any progress I told him to call me back the next day with an explaination and I wanted a written apology. He called the next night but I missed his call. His message said he would call back in an hour and that he could not give me a call back number. He has never called me back. 
Are n't banks suppose to be fined for these types of errors. If I had been a senior citizen who was not on the ball I may have gone on line and paid the eroneous bill. Something needs to be done. 

Company response: Company chooses not to provide a public response
Consumer complaint: After returning to school at XXXX in XX/XX/XXXX, I applied for and received a Citibank private alternative student loan. At the time XXXX financial aid counselors, who had recommended that I go this route to subsidize my costs of attendance, did not notify me that the loans in question were " alternative '' loans, and therefore non-subsidized or guaranteed. After successfully completing my classes in XX/XX/XXXX, Citibank notified me that my loans would begin repayment immediately, at a cost of over XXXX. Given the timing of this repayment, during the height of the financial and banking crisis which was driven largely by banks like Citibank and irresponsible lending, I contacted the bank and notified them that I was unable to make a {$500.00} payment at that time due to job and economic conditions. I further requested that Citibank work with me to come to a compromise as to what would be a reasonable payment amount per month, given the circumstances. Citibank refused all efforts on my part to work out a payment arrangement, and declared that it was all or nothing. Their position was that either I paid the {$500.00} each month in full, or they would default my loan and thereby prevent my future purchases of homes, cars, etc. Their agent was rude, insulting, unprofessional, and inflexible. I responded, over a period of several weeks worth of calls and attempts to resolve the matter, that since they were making an " all or nothing '' demand, I would be forced to respond in kind. As such, I refused any payment and allowed the loans to go into default. Since that time in XX/XX/XXXX, I have never received a single letter, phone call, email, or text from Citibank regarding the status of these loans or any further attempts to collect or work out a compromise agreement. However, the loans were reported to the XXXX major credit bureaus, and remain on my credit record to this day as defaulted or in collection. The cumulative effect has been a significant drop in my credit score and denial of credit to me. I was recently instructed by several people, however, that because my loans were not federally guaranteed student loans, and because Citibank has made no efforts to collect or follow-up on these loans since the default occurred in XX/XX/XXXX, that I was legally entitled to have the loans wiped from my credit record, and the default removed without further penalty due to Citibank 's lack of action on the accounts in the last XXXX years. Should that not be the case, I was notified that regardless of status, having reached the XXXX year deadline since loan default, and even more since loan inception, Citibank is required to remove all references to the accounts in question from my credit files. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was unaware of the {$230.00} debt, as I never received a bill. I tried to contact XXXX, who charged off the account to XXXX. I never received any collection materials regarding this debt. XXXX charged the debt off to XXXX XXXX XXXX, who supposedly gave the account to the XXXX Law Firm in Arizona. When I called the law firm and spoke with XXXX XXXX on XXXX/XXXX/15, they have no records of this account. I gave them the account number that is on my credit report and my social security number and nothing came up with my owing any debt. I tried to contact XXXX, XXXX and Experian to resolve this issue, by either paying off the debt or having it removed from my credit report, but there is no way to speak with a live person at any of the bureau 's, as everything is automated and no customer service representatives are available to discuss credit disputes. I have no idea what I supposedly purchased, as no one can provide me with this information. My credit score used to be over XXXX and now it is in the XXXX 's, due to this debt, which is reported XXXX on my credit report, as XXXX charged it off to another lender, XXXX. Why do we as consumers have no other way of disputing these issues other than through the Consumer Finance.gov or by a letter being sent to these companies. The Credit Bureaus are causing a lot of damage to my credit score and I may not even be responsible for this debt. XXXX told me that the bill was returned from the post office as undeliverable. I have lived on this street for XXXX years, so I found this to be difficult to understand. I need help removing this debt from my credit report and will be sending each company a letter requesting the removal of this debt. I should be able to find out what was purchased, but no one can provide me with this information. If someone could tell me what was purchased and I did in fact purchase the item, than I would pay off the debt. I have never received any letters or calls from this Law firm, so I believe this whole reporting incident is in error. Please advise me as to what my next step should be. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America called me and told me that I qualified for a quick and easy " HARP '' refinance. My mortgage is $ 100k. My home appraised at 900k. 
I submitted all documentation to the loan agent who never processed the paper work. Three months later, I have yet to speak to BofA and have processed a new loan elsewhere. Seriously disappointed in the level of service after being a loyal top 1-percenter for over 30 years. The Bank of America team, has been dishonest and fraudulent. I dealt with XXXX, XXXX at XXXXXXXXXXXX, XXXXXXXXXXXX XXXXXXXXXXXX ; XXXXXXXXXXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was told that XXXX XXXX had reported on my report as themselves and XXXX which neither is the originator of the loan. The originator which was XXXX XXXX was shut down due to illegal loans. My first payment was suddenly to XXXX XXXX as they say they sent confirmation of this. After I had them stop calling harrasing me at my job, XXXX is now trying to collect and I know they have been calling my office and cell phone not leaving a name after I have reported them and their affiliates to cease and desist with all contact except in writing. It is listed double on my report and I want it noted that they are not licensed in my state to do loans per the Alabama XXXX. They are all the same people. I have researched this and many states are filing suits for these illegal loans with interest rates above state laws where this company has been collecting from consumers illegally. XXXX XXXX and XXXX are affiliates. I was told to submit complaint with CFPB and if no positive response to refer back to them. Per the dept as they have been working on these predatory lenders, and if many states have already figured this scamming out, I 'm sure our state will get it done too. 

Company response: Company chooses not to provide a public response
Consumer complaint: Auto finance company towed my car and repossed it saying I was late on payments. I proved my payments. I called to get my car out of repo yard and finance company would n't release it. They confirm my payments are up to date but still wo n't release my car. I called their supervisor who said by error they auctioned my car. The following day finance company stated they had my car at towing yard and would release it in 24 hours. Two weeks later, I do not know where my car is and I am current and can prove it on my payments. Total negligence.I ca n't get to work and I am out money for a car I paid for that this company possesses. I have documented over XXXX calls to this company to try to find my car. Each representative told me a different stories. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We needed money to pay the rent, car, and food for the two months I was without a job. I am not educated with money and we needed money really bad. I borrowed XXXX dollars from XXXX XXXX / Cash Call. There was instantly a XXXX processing fee, so I basically borrowed XXXX. Since XXXX 2013, I have been paying XXXX dollars per month. Today, I still owe Cash Call 2500 dollars. The interest that I am paying against is evil. I will never be able to pay this off. To date I have already paid approximately XXXX for a 2300 dollar loan. I do not know what to do. I have paid XXXX the principal of the loan. And I still owe them XXXX. I did not know that this loan would be literally putting me in a mountain of revolving debt that I will never be able to pay off. I would like to report them for convincing me to take out this loan. This is a scam. This has caused major hardships for me and my family. We need your help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was in a month to month lease with XXXX ( XXXX ) XXXX. I was obliged to give a 60 day written notice before vacating the building. I did so, and sent the letter via certified mail. Roughly six months later, XXXX placed a {$7500.00} fine on my credit through Fair Collections and Out. This fee is exorbitant, as I only paid {$850.00} a month, and met my obligations for the lease. In the state of Georgia, the law states the landlord can only claim damages and the amount of time the apartment was vacant. I was never evicted, because I did n't break a lease, I should not have this on my credit. When I spoke with them they agreed to reduce the fee to {$3400.00}. This is still outrageous, and I 'm being illegally bullied in to paying for fines I never owed in the first place. They provided a forged copy of the lease that I never signed. If you search XXXX property services in XXXX Georgia, you will see they are well known for these tactics. 

Company response: Company chooses not to provide a public response
Consumer complaint: We received a phone call from XXXX from someone named XXXX XXXX working for XXXX Investigations. She said she was verifying I was at this phone number because there is a lawyer about to file in court about XXXX payday loans from 8+ years ago. She had my old address and drivers license number and the details of the debt. She said to contact a lawyer named XXXX XXXX in XXXX XXXX, VA at XXXX to discuss. She said there would be a warrant within 24-48 hours. The lawyer 's number had been disconnected. When I called the XXXX number, the voicemail said the phone belonged to XXXX XXXX. I googled this name and found many scams associated with it. I believe this is a scam, and it is worrisome that these people have my information. I 'm not sure if this is the right place to report this. I 'm not sure if the PayDay loan company shared his info with these people. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I just checked my credit score and saw a 9 dollar medical bill put into collection from a supposed appointment in XXXX 2015 by FMS for XXXX in XXXX, WA. I 'd cancelled an appointment at XXXX XXXX weeks in advance but other than that I had no medical care with them. I was never given a bill or contacted, simply turned into collections for a visit that never happened. This is the billing line XXXX XXXXOur billing statements represent hospital and physician charges for XXXX. 
To pay your XXXX online at XXXXPlease call XXXX or toll-free at XXXX Monday-Friday XXXX to XXXXTo update the insurance coverage we have listed, call XXXX or toll-free at XXXXSince I never received a bill I ca n't set up an online payment, meaning I 'd pay the 9 dollars I do n't owe to clear up my credit 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Called work number, the first time she was transferred to me, I explained that it was absolutely unacceptable for me to have calls at work and they could not call me again. The lady just called me again ( after a couple of weeks ) and said that she would continue calling me at work since I do n't answer my home phone. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I received repeated calls and hang ups from XXXX Associates collection agency in Florida. When they finally spoke to me they threatened me with a civil suite and reporting to the Credit Bureaus for an unpaid bill for home repair work I had performed over 2 years ago. I said I had paid the bill and would find proof at home in my records. The next day I sent them my receipt for the final bill marked " final '' and proof of payment with method and date. They said that this was XXXX of XXXX bills and I stilled owed on another bill and I needed to call their office " that afternoon '' to resolve. My records were at home so again I dug through records and found my copy of the other paid bill with method of payment and date. I called the next day repeatedly to explain what I had found. XXXX XXXX ( the agency owner ) refused to take my calls. By afternoon I told the receptionist that I would hold since my calls ere not being returned and he would not take my calls. XXXX XXXX was again threatening about not paying my bills and refused any explanation of the documents I sent him. 

I called the Contracting company and they explained that the salesman had left the company and that they had many duplicate quotes in the system for the work performed on my home. Somehow they decided to randomly pick XXXX quotes and insist I owed them {$2500.00} I have provided proof of payment for the XXXX bills I received for the work performed. What they are trying to collect for is duplicate billing and erroneous work from sloppy paperwork from a former salesman. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Experian has told me that they have investigated an account to XXXX XXXX XXXX. After speaking to the original creditor, XXXX XXXX XXXX had the credit bureaus remove the false information from my credit report. Experian has refused to remove this information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm trying to buy a house so the mortgage company ran a credit report. There is a medical bill that is over XXXX thousands dollars. I called the collection company that is holding this account. Spoke with a representative and she also spoke with the manager. In 2011 this company sent multiple letters requesting this be removed from my credit report. It has been 4 years since this company ( XXXX XXXX XXXX XXXX ) sent this request in writting. XXXX, XXXX, and Experian are still reporting this negative account on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: collector called did not advise call was recorded or gave mini Miranda he stated i was a pt at plantation hospital asked me to confirm an address they had on file since i was not a pt at the hospital i refused to verify my address he became angry and stated i would no the balance if i opened my i asked for a mgr he hung the call i call back s/w a mgr who stated he would review the call and reprimand the employee 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I am the owner of XXXX XXXX XXXX, XXXX, NC XXXX. 
I bought the property in XXXX and paid as agreed until the endof XXXX. Due to personal and economic problems, I could notkeep up with payments to Select Portfolio Servicing XXXX XXXX XXXX. Both Deed of Trust were obtained at the timeof my purchase. These Companies are the current servicingcompanies that this complaint is all about. 
I gave up with XXXX XXXX even though they are chargingme a current rate of 12.5 % interest. They are impossible totalk to on the phone. Harassment is the only descriptionthat can define this company. I have gotten well over XXXXcalls, even on Sundays per year. It should show in their records. 
I had worked with SELECT PORFOLIO SERVICING to obtain anadjustment of the current interest rate of 8.5 % but I wasnever able to get a positive response. I decided to ask for aDeed In Lieu due to the fact that SPS has gotten appraisalsand XXXX to find the current market value, I bought the property at {$85000.00}. Today it is reported that is worth no more than {$40000.00}. Since I stopped payments, interest and penalties has adadded up to over {$96000.00}! 
After months of paperwork, In XXXX XXXX, I was told by SPSthat the STATUS of my account was at a Title search stage. 
Every single conversation with SPS has my permission to berecorded. Within days from that phone call, I received a letterfrom SPS denying my request for a Deed In Lieu due to lack ofsent by me. Since then I have copies of faxes sent to SPSshowing information as per request, yet I receive letters almostdaily, from SPS. My stack of papers is now over XXXX inches thick. 
I have been to court XXXX already for a foreclosure hearing. 
XXXX it has been reschedule because I showed the courtpapers to prove my case for the Deed In Lieu. Next courtdate if XXXX XXXX, XXXX. I have proof that SPS is very wellaware of this date. 
I do not know what else I can do to make SPS to have theunderwriter do his/her job and finish what was startedover a year ago. 
I just send a package to multiple parties asking for help toresolve this situation. 
NOTE - The home is not in bad condition. It can easily beupgraded for very low investment and it must appraise ata value of at least {$70000.00}! I know, I am able to get CMAwhich is a Comprehensive Market Value from the MultipleListing Service that REALTORS use. 
SPS is practicing business in an incompetent manner. 
This situation could have been completed to the satisfactionof the Investor holding the Deed of Trust and SPS. 
A family could be living in this house for a very low price andall parties could have saved time, money and aggravation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Credit card reduction in benefits 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt collection company was issued a validation of debt notice which was received XXXX XXXX 2015. They have posted the debt on my credit score after being told not to until validation was made. 

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