AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The borrower, XXXX XXXX, has been working with Bank of America since XX/XX/XXXX to get his mortgage loan modified. He is current and the loan was modified. The most recent mortgage statement, however, shows that his payment has increased by $ XXXX/month and he does n't know why. XXXX charges are listed on the statement in addition to his PITI payment of {$700.00}. They are : 1 ) {$85.00} for overdue payments, fees, and charges and 2 ) {$46.00} for a payment advance. 
A Notice of Error was sent certified mail return receipt requested XX/XX/XXXX and is signed by BofA XX/XX/XXXX by a housing counselor, myself, XXXX XXXX. On XX/XX/XXXX, I received a letter from BofA stating that they needed authorization to send me this information. An authorization form was sent with the Notice of Error and was resent on XX/XX/XXXX. 
To date, we do n't have confidence that Bank of America is going to identify the charges and inform the borrower how long he will be charged for same. 
Borrower is on limited income and his budget is short $ XXXX/month. Not paying these fees is very important to him. At the least, he needs to know what they are for and how long they will be charged. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a payment for a loan with Net Credit due on XXXX XXXX, 2015. I called to pay off the entire balance of the loan but had to use a different checking account than the one I was using for the loan. The representative for Net Credit advised I would need to mail a check from the different bank account in and it would need to be processed for me to use a that different account. I then asked if I could pay with a debit or credit card and the representative advised I could. I told the representative I would call back on XXXX XXXX and pay off the loan with a debit card because it would be quicker than going through the process of paying with a check. The representative advised that she would make a note that I would call back and pay off my account on the XXXX. She told me the amount would be {$3900.00}. 
I called today, XXXX XXXX, to pay off the loan. I was told the balance was {$4100.00}. I was told the account accrued interest since XXXX XXXX. I advised the representative I called on the XXXX and attempted to pay off the debt with a check and was told I had to mail in a check and the check would be processed. I told the representative that I was advised to call back because paying with a different check would take longer than paying with a debit card and I was not told interest would accrue on the account in the meantime. The representative told me that it is a contractual agreement that interest is accrued when payment is not made. I told the representative, and the manager, I attempted to pay the debt on XXXX XXXX with a check and that the time it takes them to process a check it not my responsibility. They accept checks as a payment option, the representative on the XXXX advised me otherwise, and I should not be charged interest when I attempted to pay the debt on the XXXX. 
XXXX, the manager, then told me I also stated I would pay off the balance on XXXX XXXX. I asked XXXX if the interest I was being charged since XXXX XXXX or for me being one day late from the day I stated I would call back to pay the balance in full? XXXX advised the interest was from XXXX XXXX to today. I told XXXX multiple times that I should not be held responsible to pay interest when I attempted to pay the debt on XXXX XXXX but I was still charged the extra {$170.00}. If needed, I did record the conversation and can provide a copy. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: In XXXX 2015 I requested and signed with Banco Popular of Puerto Rico to enter the Loss Mitigation Program since I was having some difficulties to pay my monthly mortgage payment. I submitted the documents to the bank as they requested, including XXXX financial statements prepared by an Accountant. Surprisingly when I was in good faith negotiations with the bank, I received a letter from a XXXX attorney and his XXXX Firm that my file was sent to them in order to file a foreclosure lawsuit against me. My attorney called them and explained that there must be a mistake since we were negotiating with the bank under the Loss Mit Program and never received a communication from the bank denying my request. The file was sent back to the bank to continue the Loss Mit Process. I also tried to pay the due amount of the mortgage payments but the bank conditioned the payment that I also pay {$500.00} for the previous lawyer services. I have email evidence of this. The bank sent me an invoice of this legal fees from XXXX XXXX XXXX XXXX a company in the U.S. My attorney called the bank 's XXXX attorney that sent me the letter and he said that the Firm did n't sent an invoice to the bank for such legal services. I have evidence of this. I sent to the bank the due amount monthly payments without the {$500.00} for legal services and the check was returned via mail to me. To this day I 'm under the Loss Mit Program in good faith negotiations, sent already a THIRD financial statement three weeks ago since they wanted XXXX updated and by my surprise I was summoned today with a Foreclosure Lawsuit from Banco Popular of Puerto Rico even when the bank never sent me any type of communications denying my application under the program. I have evidence of the communications by email with the bank, the invoice from XXXX XXXX XXXX XXXX, the application I signed to enter the Loss Mit Program, among other documents. Today I called the bank and the employee that is working my case told me that being under the Loss Mit Program does n't protect me from being sue by the bank in foreclosure. I understand that the Federal Laws and Regulations require that I first need to be notified with a communication from the Loss Mitigation Program denying my case before being sue in foreclosure. 

Company response: Company chooses not to provide a public response
Consumer complaint: I keep getting junk mail from NetSpend. They want me to have my pay check deposited in their system. I have requested several times for them to stop contacting me & delete my information. I am sick of this. Each time they send me their XXXX junk mail with pre-paid card and mailing information, I have to have it destroyed or risk my information being stolen. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: constant calling and threatingin 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been going back and forth for few years on modification trial packages. In 2013, a loan modification given was accepted by me for a total payment of {$2100.00}. I made payments timely for seven months ( 4 months past the trial period ), but could not complete the process due to title issues. My mortgage bank wanted my student loan to be in subordinate lien position. I gave a written authorization to that effect. The bank 's negotiator did not follow up her responsibility until the system timed me out. She asked me to reapply, which I did. This time, the total mortgage payment jumped from {$2100.00} to $ 2,900+ in just few months. I questioned the increase in payment as my income remained the same, but was asked to make a one time payment as an act of good faith while she works to get me a payment close to {$2100.00}. She never did and I did not make another payment as that was too much at the time. A new negotiator was assigned and she got me another modification package and this time with a payment of {$3200.00}. I was not happy and rejected it and insisted to get the 2013 package or close to it. All these time, the bank and the negotiators took forever to get XXXX modification done. In addition, the value given to my home is so high compared to its condition and market price. I once paid {$200.00} to a XXXX party to dispute the bank 's appraised value. As of last month, the bank denied me a complete modification with reasons that I had exceeded my trial modification periods. I only accepted the 2013 modification, even though I made periodic lump sum payments before the beginning of the trial period and in between. I feel that I have been deceived all this time, babysitting the property for the investor who is waiting for the market to turn around. I missed XXXX opportunities to buy similar homes on contract for deed for less and affordable payment. In 2013, after making XXXX payments and assurance from the negotiator that she would get me an affordable mortgage payment, I started to complete my unfinished basement with expenses of almost {$11000.00} in framing, electrical, plumbing, etc. The bank recently asked me to appeal their denial decision and property valuation for a second time in less than 2 1/2 years. I need help in keeping my home with an affordable payment as my little children are emotionally attached to their schools and neighborhood. 

Company response: Company chooses not to provide a public response
Consumer complaint: I missed a mortgage payment for XXXX 2015. Once I realized this on XXXX XXXX 2015 I sent both XX/XX/XXXX and XX/XX/XXXX mortgage payments using my XXXX account. 

US Bank has reported that I was 60 days late on my mortgage and not 30 days late as was the case. I have called several times, disputed the item with the credit bureaus, had my attorney send them letters requesting correction, had a credit repair firm dispute the item several times, and finally I have written a letter to their dispute department requesting this item to be removed. As of yet US Bank has not corrected this erroneously reported information. 

Company response: Company chooses not to provide a public response
Consumer complaint: found an error of being late on my account in the report put out by Experian. Contacted XXXX on this account and verified with them that I have not been late with a payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: We closed on a new house in XXXX XXXX in XXXX, and right afterwards I wanted to refinance a house we still own in XXXX. I wanted to use Bank of America since we just used them for the new loan in XXXX. 

I was quoted a 15YR option at 3.375 % with XXXX Point, we locked in on XXXX/XXXX/2015, and yesterday XXXX/XXXX/2015 I was reached out to my loan officer saying she made a mistake and selected Single Family Home vs Multi-Unit Home when providing me the rate. Its a XXXX Home that is non-owner occupied since we do n't live in it anymore, and they knew this as it was all originally disclosed when we did the new loan for the purchase of the XXXX XXXX house in XXXX Now that we are two weeks out from closing they want to adjust the rate to XXXX with XXXX point or 3.5 % with XXXX points. 

Attached is the Loan Estimate for the refinancing, which mentions Non-Owner Occupied but nothing about SFH or Multi. Also attached was the GFE or original estimate when we were talking about 30 YR vs 15YR. 

I feel frustrated as now were two weeks out from closing on refinancing and they are asking me to just accept this when its not an error we made but Bank of America and I should have to pay for as it was an error they made and concealed from me. Looking over the 15 year loan this change will be over XXXX out of my pocket due to this rate change, now rates are at their 4 month high and I have no chance in finding a comparable rate that was locked in to me, not to mention the month and a half I have put into this and paid for appraisal already. 

Thanks for your help! 

Company response: Company chooses not to provide a public response
Consumer complaint: on XXXX/XXXX/2015, I filed an dispute with Helm Associates. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Helm Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Helm Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Helm Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .Helm Associates sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After filing a fraud alert with TU, I filed a complaint with them that they had allowed a third party to access my credit report and add " and XXXX XXXX '' after my name in the record. I also reported that their own XXXX complaint line operator had told me a New York XXXX company named XXXX XXXX XXXX showed in their files as accessing my file in the past ( I was not given the date though it is a part of the file ). 

TransUnion 's response was to tell me that a Fraud Alert had been added to my file and that their investigation was closed. The third party name XXXX XXXX remains on my file and presumably means that entity has full access to my credit report. 

I want an explanation, apology and assurances from TransUnion that they have closed off whatever access device is/was used to access my report, and that they have removed that third party 's wording " and XXXX XXXX '' from my file. 

Otherwise the concept of these XXXX credit bureaus being the XXXX XXXX of US citizens sensitive credit reports, is a farce and it should be known to the US public, as such. 

Company response: Company chooses not to provide a public response
Consumer complaint: I made few claims and Wells Fargo approved them in writing. Wells Fargo informed me that my " account should be credited in the amount of $ XXXX within XXXX business days ''. However, that did not happen. I communicated with Wells Fargo and I posted on their XXXX and they kept delaying me and wasting my time. I still have all my proofs in writing that Wells Fargo can never be able to deny. The amounts are : {$12.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$18.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$18.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$17.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo XXXX {$16.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo XXXX {$24.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] I am kindly requesting your help to be able to receive the money. 

Company response: Company chooses not to provide a public response
Consumer complaint: RE : Bank of America XXXX TexasI had just about given up. this complaint process is time consuming and my semester for the winter is about to begin for my XXXX program. The complaint has transformed into a fight with bureaucratic red-tape and stonewalling by the customer service members of BOA. Now I find out today that I can not open another account with any bank in Texas because my name has been flagged. I have gone through 4 -5 years of ID theft as a BOA customer and my credit has been damaged. Can not believe a Bank in the USA intentionally damages or allows its customer to suffer prohibiting the ability to recover from financial set backs instead of helping. In this context I decided to file this new complaint. Please see the synopsis of my complaint and supporting documents below. 
XXXX startFiled with OCCC TX : To : *OCCC Texas XXXX XXXXXXXXXXXX XXXX *Bank Pres. XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX RE : follow up : Status Synopsis UrgencyI have written numerous times attempting to expedite this BOA investigation from XXXX XXXX, 2015 to present. The details have been elucidated in several emails but the resolution has not been implemented. As a result as mentioned in the previous email " BOA complaint : Status Synopsis Urgency '' dated XXXX, XXXX, 2015 ( about 30 day after my compliant ), the time has run out. This month services needed to run my household are out of time. Creditors have begun to implement prosecution by district attorney for returned checks and payments, termination/suspension of services, utilities, insurance coverage, cell service, phone service, home owners insurance, etc. BOA has even informed me that BOA mortgage will report XX/XX/XXXX missing mortgage payment to the credit bureaus and that they are not required to add an explanation i.e., detail of my complaint and reason why the automatic payment was missing. Accounts that are cancelled or will be this month XXXX, XXXX ( gas ), XXXX XXXX ( lights ), Water bill, A # XXXX XXXX XXXX XXXX XXXX XXXX service plan XXXX. Please see the attached listing of creditor 's late fees that in total to date exceed the original {$910.00} withdrawal. 
XXXX EndIt seems that there was a push to just finalize this complaint without really addressing the ID Theft issues suffered by me over the past 4 -5 years with BOA. The latest of which is outlined above. OCCC TX has not been engaged in this complaint as I would have liked. My next semester is just about to start so I eventually agreed to pay to being the accounts current with BOA and my creditors. I then tried to transfer my police pension to XXXX XXXX XXXX which is now being blocked. Really inconvenient during this holiday season. I agree that you can share this complaint with the media. Of the dozen or so BOA CEO executive team managers that I discussed this case with the last were XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX with friendly but ineffective customer service. Please see the supporting documentation. 
Thanks, XXXX XXXX XXXX XXXX CFPB 

Company response: Company chooses not to provide a public response
Consumer complaint: My mother passed away earlier this year and I tried to get Wells Fargo to put the loan in my name. My attorney sent them the death certificate again but a month later they had still not coded it properly. I am supposed to be working with the assumption/silmutaneous modification department but they will not give me an answer since they do not have it in their system that my mother passed away. 

Company response: Company chooses not to provide a public response
Consumer complaint: My business partner and I opened a DUAL SIGNATURE account, at BB & T, which required both signatures for any transactions. She and I, each, put $ XXXX the account and were adamant with the Bank Officer that we had to sign jointly and we signed a card to be filed with BB & T. On XXXX XXXX, 2015 an investor, ( He was a friend of my partner. ) came on board and loaned us {$25.00}, XXXX payable in 6 months with 5 % interest. All XXXX ( XXXX ) of us signed a Promissory Note at the bank with the same bank officer as a witness and notary. We wrote a check for a deposit for $ XXXX a lease for a building on the beach. Monday, XXXX XXXX, 2015, the banker called me and informed me, my partner had withdrawn all the money andCLOSED the account, but they were depositing my initial {$4000.00}. back into an existing account I had already with BB & T. When I questioned the banker about how my partner was able to withdraw without XXXX signatures, she informed me that as a partner she ( my Partner ) could manuever money as she saw fit since she was a signer on the account. 
I contacted BB & T corporate and they referred me to a clause stating that if was unclear, they could allow XXXX signature to conduct transactions if they are unclear that XXXX signatures were required. The same Bank Officer is the one who opened the account, witnessed the promissory note signatures, and closed the account. I do NOT see how any of this can be misunderstood nor unclear. 

Now I have a {$12000.00} check floating around out there with my signature, ( and my Partners ), on a closed account. HELP! 

Company response: Company chooses not to provide a public response
Consumer complaint: ENHANCED RECOVERY COMPANXXXX XXXX XXXX, XXXX ( XXXX ) XXXX age of account I do not owe shows XXXX XXXX 2014. The company lies on my credit report and when I contacted them they said they will move this to XXXX XXXX XXXX Please see attached copy of the report. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Good Morning, I am asking for help to reduce my car payment. I currently pay {$620.00} a month for a vehicle. I could n't afford the vehicle, but because of a XXXX I developed while I was in the military XXXX, I could not stop my compulsion to get what I wanted. I am a veteran and I was diagnosed with XXXX and XXXX XX/XX/XXXX. I have recently had some success at treating my condition and the VA notified me I am going to lose some of an entitlement due to the change in my XXXX. Some of the decisions I have made financially were in direct contrast to being well thought out. When I purchased the XXXX Dodge Durango I traded in a XXXX Nissan Altima Hybrid. There was nothing wrong with the hybrid but I was so convinced that I needed a new car that I could n't see the compulsion was determining my decision rather than making a rational decision. I had so much negative equity ( XXXX ) that was adding to the Durango that I should have been able to stop and walk away. But because of my condition I could not recognize getting the new car I wanted was more important than knowing if I could afford the car. And now that I am losing just over {$2000.00} a month, and I am XXXX, I know I ca n't afford {$620.00} a month ( This is n't the only bill of course - I am addressing all of them so that I can make my my budget work. ) Really, I could n't afford it then either. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this item listed on my personal credit file. I do NOT owe on any judgment and took it upon my self to search and this case file there are no charges. I have disputed and requested the agency to remove. Why are they not removing this item? It is inaccurate informationXX/XX/2010 / XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit company contacted my Team Lead at my job looking for me and they wanted information about me. 

Company response: Company chooses not to provide a public response