AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We originally submitted complaint against B of A on XXXX Case number : XXXX, we are adding a new complaint. BofA has a history with us of making life difficult and trying to make us refinance, The first complaint we made was because they denied access to our account when we were one month behind and logged on to schedule payments and access gone. Since contacting your office and The XXXX we also spoke with Bof A and have been told Bank of America no longer services our account. No notice, we received our regular email your XXXX statement is available for viewing log on to access ... nothing by email, on the account page, or in regular postal mail NOTHING. When we spoke to them last night They said they can not even provide us an account number for this " New '' mortgage. We have been given nothing but a name and phone number. This behavior is just so ridiculous and it is OKAY? Shift our account around and deny access to try to make the account be two months behind? Then fail to provide documents or information who to or how to reach ... Will you address this issue better than the XXXX? XXXX Case opened XXXX case closed XXXX ... yeah I guess they say account closed then case closed. Does n't that make it convenient and easy for these banks to do these things. Nice how everyone says oh follow this link to counseling help and re finance options etc .... ALL WE WANTED TOP DO WAS PAY OUR MORTGAGE, 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I paid XXXX XXXX in full as they cancelled my account because we had a conversation and I found out someone fraudulent ly entered my account and tampered with my service. So the account was cancelled by them and I paid them only what I owed them {$21.00}. Professional Credit Service wanted another {$800.00} and I contacted them and disputed the entire account as I had paid XXXX XXXX in full. Then Professional Credit Service changed the amount to an additional {$80.00}. but I had already paid XXXX XXXX and the payment was accepted as the check was deposited. I disputed the collections on all XXXX credit bureau reports and they would not remove it. I do not owe them any monies! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Good day and a happy XXXX holiday to all of you ... 
I am being defrauded by my bank-Bank of America via a direct deposited check paid monthly by one of my renters-directly to me. He lives in XXXX, XXXX and uses the XXXX in XXXX. My B of A banks are down here in the XXXX XXXX XXXX. They have cheated me before. But this time, on XXXX XXXX, the XXXX had sent an electronic check to the B of A and it was endorsed and stamped as received and a copy sent back to said bank and to my renter. I never saw that money. I got into it with B of A reps. yesterday and they promised to credit said amount that apparently went through their " bill pay '' system and they did n't know what happened thereafter? That evening the amount of {$500.00} was credited to my account. And here we are a day or two later and the money has disappeared once again from my account. B of A is trying to cheat me out of money they received/took/deposited somewhere and credited to the other bank? 
Please help as this is totally overwhelming and my account can not handle this missing rent check. Same said property needs a well repaired & I can not do it without said money. The renter is elderly and can not understand what is going on? 
many thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is part of complaint number XXXX. To clarify some bad types plus that this company is reporting me delinquent when I should not. 
I have being having an issue with CitiMortgage. My husband and I filed for bankruptcy on XXXX XXXX due to several medical bills When filling the bankruptcy a Reaffirmation Agreement with CitiMortgage was done and sent to the bank. My husband passed away on XXXX XXXX. Because his dead I got a small life Insurance which I used to pay the bankruptcy amount and Paid Off the mortgage on XXXX/XXXX/XXXX based upon a CitiMortgage Pay Off letter I had in that time where my principal balance was XXXX. When I did the pay off according to CitiMortgage I was short on the amount of XXXX. 
When I called the bank after the money was deliver to the bank, they told me because I was in bankruptcy they could not apply the pay off. I talked then to my Bankruptcy lawyer and he started talking with CitiMortgage and in XXXX/XXXX/XXXX he found out that the bank did not record the Reaffirmation agreement, so that date my lawyer sent again the document. 
The pay off was not applied not even then, I had to go out of the country and when I came back on XXXX Then again I talked to CitiMortgage because still my loan was not Paid Off but I did not get any satisfactory answer ; so I asked to my bankruptcy lawyer to speak to CitiMortgage attorneys. After my lawyer call I was requested by him to send a letter to the bank with the copy of my Paid off. This was done XXXX XXXX, XXXX. 
I have been now trying to talk with CitiMortgage and is really impossible to get a straight answer from them. The last thing they told me is that now I need to pay interest over the {$1100.00} remaining balance so my debt now rose to XXXX which I do not agree since the bank was at fault for not recording the Reaffirmation Agreement. 
I finally contacted the Executive Office and I was assigned to a person. First she took all the time of the world and finally she contacted me on XXXX with no resolution. Nobody wants to understand that the bank is at fault for no recording the document. I had all the emails that my lawyer had with a person in CitiMortgage. The person that was my lawyer he now is a teacher in a school and busy with lot of kids so I was left alone to deal with the bank. I came out from bankruptcy in XXXX XXXX. 
I sent the pay off with the interest applied on XX/XX/XXXX by the amount of XXXX because I did not want to carry out this issue to XXXX otherwise the interest will go to the roof. 
The XXXX for the pay off principal balance correspond to XXXX my original remaining principal balance after I paid XXXX. So I paid XXXX in interest that is not justified because this was all CitiMortgage fault And now in top of all I just realized CitiMortgage reported delinquencies on my mortgage on XXXX, XXXX, XXXX and XXXX which is ruining my credit scores. 
Citi Mortgage has been heartless unprofessional and causing me a grieving in top of the my personal one and everybody need to know how unprofessional this company is 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/XXXX a collection agency called me trying to collect a debt from XX/XX/XXXX and XX/XX/XXXX in which was paid and I faxed a copy of the removal from my credit report. This agency is saying this is not enough information to prove this has been paid. In XX/XX/XXXX I was a XXXX, therefore that charge can not be on my credit..The debt from XX/XX/XXXX was paid in full and is on my credit report as being removed from my credit. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XX/XX/2016, I received a response from Wells Fargo about my account Project Visa XXXX and XXXX today XXXX. The response did not address any of the issues that I raised.The investigator just wrote a short response and printed a bogus transaction history. She claimed that I was 180 days late, but the history did not show that. The history showed that I paid in timely manner. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We have been dealing with XXXX Bank and Bank of America for more than 4 years trying to work out a loss mitigation settlement on our home. This story is hard to tell without giving some details. We stopped paying our mortgage in XXXX 2011, after seeking the advice of several professionals ( real estate agents, attorneys, and financial advisors ). Our property had lost half of its value, and we were literally throwing money away. We had tried to refinance with our lender for 2 years before we stopped paying. 
After losing my job, we put our house on the market hoping for a short sale. Over 4 years, we had XXXX short sale offers XXXX XXXX, a cash offer for the fair market value of the property ). Every time we had a sale, we would submit the paper work to get approval for the short sale. Every time it was rejected. Recently, we have been trying to get a deed-in-lieu of foreclosure, since short sales are no longer happening in our area. Buyers are not willing to put up with the red tape involved with a short sale. 
We feel that we are dealing with a conflict of interest -- -- - Bank of America who owns the mortgage and XXXX Bank servicing the mortgage, and another arm of XXXX servicing our HELOC. We have to work with XXXX Bank regarding all the paperwork, but they tell us that Bank of America 's investors will not give us a deed-in-lieu, but with no explanations as to why. Bank of America was ordered by the courts to resolve these situations with the government settlement they received. 
We had never missed a mortgage payment and had excellent credit, until the housing crash forced us to make some difficult decisions.We did nothing to cause this situation. Our home was supposed to be an investment to supplement our retirement. Now we start retirement with a damaged credit rating and a house we can no longer afford. 
This system is entirely broken. We have spent countless hours filling out paperwork, working with professionals, and doing research. We have come to the conclusion that it is in the best interest of the banks to deny anything which benefits their customers or the XXXX economy. Our tax money bailed them out, but they are not helping those who were hurt by their reckless behavior. 
Any assistance or advice you might provide would be greatly appreciated. We feel strongly that hearing our story might spur future legislation curtailing the power of the Banking Institutions in this country. 

Company response: Company chooses not to provide a public response
Consumer complaint: My educational institution, XXXX XXXX XXXX XXXX XXXX XXXX, initiated my repayments in XXXX through UHEA ( XXXX ). At that time, I owed approximately XXXX, XXXX dollars. Through a deferment, inability to " communicate '' with XXXX, getting conflicting information from them when they would respond, there total lack of cooperation in providing statements and other loan specifics as well as my own ignorance in just refusing to deal with them or my loan for about 2 years, I have since paid approximately XXXX dollars to them and still owe them approximately XXXX, XXXX dollars. I am nearing retirement and do n't feel I can maintain these payments much longer as I will not have the money. It trying to work with them to settle the loan, I received but rude and degrading comments. I am at my wits end about it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Best Buy/Citi Card. I was 3 days late on a {$25.00} payment, they charged me a late fee of XXXX. Since then they have been calling me from an automated service 3-6 times a day, even Sunday. 

Company response: Company chooses not to provide a public response
Consumer complaint: We got behind on the mortgage payment for my Mother 's estate ( XXXX XXXX XXXX, ( aka XXXX XXXX XXXX, deceased on XX/XX/XXXX ). On XX/XX/XXXX a letter was sent from Wells Fargo Mortgage ( WF ) with a refund check of {$56.00} for " unapplied '' funds. A delinquent status letter was received.around the same time. A WF statement dated XX/XX/XXXX was received later in the month. showing a balance due by XX/XX/XXXX of {$1700.00}. On XX/XX/XXXX, I made that payment in full by cash payment with a payment coupon at the local bank as I had previously done. The next day ( XX/XX/XXXX ) I received a letter from WF ( dated XX/XX/XXXX ) that loan had been referred to attorney. A second letter from WF ( dated XX/XX/XXXX ) was received 2 days later. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, demanding payment in full to avoid foreclosure. I subsequently hired XXXX XXXX XXXX to resolve the wrongful foreclosure action. It was determined that WF had misapplied the XXXX XXXX payment to a Closed Credit Card account without comment, instead of the mortgage account. He received confirmation from XXXX. XXXX XXXX that the foreclosure was cancelled on XX/XX/XXXX. Wells Fargo has since refused payment to bring the account current for the months of XXXX by payment attempted on XX/XX/XXXX. Wells Fargo is now demanding payment of mortgage payment that they mis-applied and attorneys fees for the wrongful attempt to foreclose on the property. I have received a response from XXXX XXXX XXXX in response to the inquiry initiated by XXXX XXXX. Wells Fargo continues to be unwilling to apply the previous payment to the mortgage ; thereby demanding a second payment of those funds already paid. They are also demanding payment for the wrongful foreclosure action. They refuse to take payment for the mortgage payments currently due. On XX/XX/XXXX, I again received a statement from WF, showing yet another balance due after their apparent payment of property taxes. However, a check today of the property taxes shows that only tax payment for XXXX lot not both lots under the mortgage has been made. 

Company response: Company chooses not to provide a public response
Consumer complaint: CBNA made a hard inquiry on my credit without asking me. I already have a citi bank card and have had it for a year, why are they pulling a hard inquiry and lowering my credit score by XXXX points??? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I receive, at a minimum, one phone call a day from the phone number XXXX, and when I answer it hangs up. After a quick search, I found out this number belongs to First National Collection Bureau out of Nevada. I do n't owe them anything, and repeated phone calls without anyone on the other end are unnerving and annoying. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: tired of doing this. i have been with ciri bank 25 years plus what banking does not do sometimes is get to know their customers. XXXX does XXXX XXXX and i use those cards for major purchases. not citi. since there is no loyalty since XXXX they have XXXX dollars of interest they refuse to refund all of a sudden when it was happening. i have medical debt that could if i so chose allow me to discharge all. i am not doing this though. 
i am very frustrated at the scripts and bureaucracy in the financial industry what a disappointment that you dont get loyalty for loyalty so i cant give it. onceciti refunds it wuthout throwing it in my face or scripting me. or telling me its valid i will add it to my list of preferred cards. this is for my card ending in XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Wells Fargo Loan # XXXXInvestor - XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXXShort Sale was started XXXX/XXXX/2015. XXXX/XXXX/2015 the buyer was countered to $ XXXX. XXXX/XXXX/2015 we faxed an offer matching their counter offer. XXXX/XXXX/2015 We were told that the negotiator made a decision to decline the file last week. 

1. We spoke to Wells Fargo last week and no one bothered to tell us that the short sale was cancelled. 
2. Wells Fargo could not give a reason as to why the file was cancelled. 
3. The purchase price and fees on the HUD match the fees the negotiator told us would be approved. 

Why is Wells Fargo countering buyers, then cancelling when they get an offer that meets their countered price? 

It is obvious the negotiator is lazy or cancels files purpose to cover the fact she is too lazy to do her job. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank closed my Citi Prestige card after I paid the annual fee for the membership year. They closed it about 6 months after I paid the fee, and are refusing to refund the portion of the fee covering the remaining 6 months of the membership year. Citibank 's communication with me, which is attached, states they would refund it if I closed the account within 30 days of paying it. It was not my choice to close my account which never had a late or missed payment, so Citibank is participating in unfair and deceptive practices by charging a fee and then closing an account leaving me without access to paid benefits. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Service disconnected on XX/XX/XXXX, returned devices, was told it could take 3 months to get final bill in the mail. Waited & noticed bill came at over {$1200.00}. XX/XX/XXXX contacted financial services from the XXXX corporate store, spoke with representative named XXXX who escalated additional charges since XX/XX/XXXX to her supervisor by the name of XXXX. XXXX told me the correct final bill was {$390.00} and that I would get a text message in 24-48 hours when credit was given for the remainder. I never received text message and am now being contacted by a collection agency who states we owe the full balance of over {$1200.00}. XXXX tells me there is nothing they can do even though they do have all the notations on the account from the numerous representatives I have spoken with both in the corporate store and financial services via phone. This has now resulted in effecting my credit and by no fault of my own. I have done what I have been advised to do by XXXX and their financial service team as well as followed up numerous times with no proper result. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: One day after payment due date, rhe incessant collection calls begin ; home, cell and work, starting XXXX through XXXX, Monday through Sunday, robocall after robocall. I am currently 10 days late on my regular payment and I must have received 50 or more calls, with voicemails. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XXXX XXXX, XXXX my mailman knocked on my door and when I opened the door he gave me a piece of mail that was intended for my next door neighbor at XXXX XXXX XXXX XXXX. The mailman knew me personally and even though the address on the correspondence had the wrong address, it had my name on it. My address is XXXX XXXX XXXX XXXX. When I opened the letter it was an " Intent to Foreclose '' from the Law Office of XXXX XXXX XXXX, XXXX. on behalf of a XXXX XXXX XXXX XXXX. Had the mailman not delivered this piece of mail to me I would never had known 1 ) that this mortgage was being held by another company other than XXXX XXXX 2 ) that my house was in foreclosure and I could have actually lost my house without even being aware of this. 

This was the XXXX time that I had received any communication in regards to this mortgage in over 5 years. The mortgage was originally a second lien held by XXXX XXXX XXXX ( formally XXXX XXXX XXXX ). In XXXX XXXX, the XXXX mortgage was modified by XXXX XXXX Bank and we were told that the XXXX lien had been extinguished. We have been making payments on the XXXX mortgage to XXXX XXXX Bank since XXXX XXXX on a regular basis. Since we did not receive any correspondence in regards to the XXXX lien, we were shocked when we received this letter. Upon further research we learned that this XXXX lien had been sold several times over the five year period ( see attached ) and we were not notified at any time of any of these transfers which is in direct violation of 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow account - specifically Notice by transferee of loan servicing at time of transfer ( 1 ) Notice requirement Each transferee servicer to whom the servicing of any federally related mortgage loan is assigned, sold, or transferred shall notify the borrower of any such assignment, sale, or transfer. 

Because of the failure to comply with the provisions of this law we would therefore request that you investigate have each entity that was involved with the transfer of my loan to provide the servicing transfer letters that were sent to me including my signature of any RETURN RECEIPT REQUESTED certified mail that was sent to me. 

I am attaching copies of the recorded assignments that I was able to find in public records to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that I was never notified about. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am having and still is having issue with the XXXX Credit Bureau for the last two years. I have been told that I have to provide information in order to Requested my credit reports and all I get is nothing. I have sent Experian XXXX the information that was requested in order for me to receive my free annual credit report and I have yet to receive my credit reports from either XXXX of theses agencies. I feel like some XXXX with in these agencies are monitoring my credit report. I also believe that XXXX, Experian and XXXX has been issuing my credit report to somebody else other then me I also have belief that my information is being sold through XXXX and Experian there is no reason why I am being Deny my rights to my free credit report every year. I feel like my EUAL RIGHTS ARE BE VIOLATED AND I PLAN TO TAKE THIS AS FAR as I can I also believe that these company in General has share my information with my employer and several others with out my permission. every time I request my report they come up with that same line that I did n't provide enough information well how much is enough. I had enough!!!! I feel like your company is challenging me to legal battle see I only see what I think you are doing and I am aware as long as negative marks remain you are less likely to obtain fair market rates also I understand you carless because its big business for the Credit Bureau to deny you a report then because you need it you will pay for it is the thought I believe 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: First, we tried to resolve the subject dispute with citicards, the credit card issuer for several months, and could not resolve the issue. 
Briefly, we are disputing a charge on our credit card for a purchase where we did not receive the services we purchased. 
We have provided our explanation and related documents to show how the services we purchased were not provided by the merchant, to citicards, during the course of the dispute process. 
Unfortunately, citicards refused to direct our complaints and documents to the relevant merchant and demand an explanation from the merchant regarding our claim. Or, if citicards indeed have communicated with the merchant regarding this complaint, they have failed to provide that communication to us. 
The issue here is that : Does a credit card issuer such as citicards, have a fiduciary duty to ensure that the charges on a cardholder 's account are legitimate and products and services purchased using their credit cards are actually provided. And, what are the responsibilities that a credit card issuer has when a charge becomes illegitimate and products and services are not provided by the relevant merchant? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response