AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I applied for a VA loan and the underwriter from AmCap Mortgage set a condition of my loan to provide medical documentation as proof of documentation as an extenuating circumstance of credit difficulties. Additionally, as a condition of the loan I was asked to provide documentation of upgrades done to my home that has been over 9 years past. Additionally, we have been asked to provide evidence of property listed as for sale or rented to support my military XXXX move in 2006, which is over 9 years ago. I beleive the underwriter is asking for obsolete and unatainable information as set conditions for a loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Did not try to call me to fix problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a Home modification in XX/XX/XXXX with Bank of America ( BOA ) ; the mortgage at that time was {$1000.00}. I was placed on a trial period ( XX/XX/XXXX to XX/XX/XXXX ) with a reduced payment of {$620.00} while it was being determined if I qualified for the modification. I have never made a late payment at any time of paying for my home. 
In XX/XX/XXXX I was notified that I did not qualify for the modification. 
In XX/XX/XXXX I started receiving foreclosure letters from BOA for the amount of the difference of the original mortgage payment and the reduced trial payment. 
In XX/XX/XXXX I wrote a letter to XXXX XXXX, CEO of BOA. In the letter I voiced my concern for the threat of foreclosing on my home and for the erroneous reporting to the credit bureau. I could not believe what BOA was doing, especially when I was given permission to make reduced payments. Not only did they threaten to put me in foreclosure ; they reported to the credit bureau late payments, for the months of XXXX through XX/XX/XXXX ; I was outrage. 
I received a response to my letter from BOA dated XX/XX/XXXX. In the letter I was told that my application would be reevaluated. 
I received a response letter from BOA dated XX/XX/XXXX. This letter stated I was approved for the loan modification. 
Later the next year my loan was sold to another mortgage company. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a voice mail on XXXX/XXXX/15 and XXXX/XXXX/15 from XXXX XXXX with XXXX XXXX XXXX stating that they will file charges on me and take me to court if I did n't respond within 72 hours related to a debt they supposed to have bought and it is now in their office. I have not responded to these calls because I don not live in XXXX County where they are supposedly filing a suit. I do not know what they are talking about because I have not received any notifications from these people via mail.I believe these people are scam artists or at least using illegal tactics trying to get money. When I looked up the number for the caller ; I see they used to be XXXX also NE Processing. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I purchased XXXX prepaid Visa Gift cards from XXXX on XXXX/XXXX/2015 issued by US Bank. I found out a week later the funds were liquidated fraudulently. I informed US Bank on the number of the back of the Visa Gift card. Weeks later they request additional information but gave me very little time to send it. I then faxed the information in XXXX. Today they said they never got the information and closed the case on XXXX of the cards because of insufficient information and closed the case. I have the fax receipt showing that I did send it in. The other card I still have not heard any information. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2014 I was scammed and was charged {$9000.00} from my Bank of America Visa Credit Card, I think the {$4000.00} charge is still under investigation but the {$5000.00} dispute was closed and now they are beginning minimal charges against my card. I made every effort to give them information and documentation regarding this fraudulent activity. I do n't understand how they could close this case knowing that this was a result of fraud. I think that this may be an inside job ... you can call me at XXXX. Any help would be appreciated. Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: As part of a divorce settlement, I signed a Special Warranty Deed, drawn up by my attorney. According to the State of Texas, I am no longer an owner of this property and not responsible for making payments. My ex-husband does not show enough income to re-finance the home in his name only, so my name is still on the mortgage documents with Wells Fargo. In XX/XX/XXXX and XX/XX/XXXX, the payments were made more than 30 days late. This is now reflected on my XXXX credit score. My score dropped for the high XXXX 's to XXXX due to the late payments and will remain so for seven years or longer. Due to the low credit score, I am unable to get a loan for anything, have been turned down when applying for an apartment lease, would not come close to qualifying for a loan for a home for myself and my XXXX children, and could be harmed when seeking new employment. I have, in essence, been held responsible for a debt I no longer owe according the the laws in Texas. I contacted the XXXX credit bureaus to dispute the derogatory comments on my reports.While they did not remove the items, it is listed as " disputed '' on each negative item. On XX/XX/XXXX I contacted Wells Fargo bank to explain the situation. While I am not expecting them to remove my name from the mortgage, I do expect them to report to the credit bureaus that I have made a formal complaint and remove the derogatory comments. Their reply was that they could not do anything help me. Their advice was to contact my attorney and force the sale of the home. I do not have the {$7500.00} deposit required to hire yet another attorney to force the sale of the home. The mortgage still has 15 years remaining until paid in full. This means that for the next 22 years my credit could reflect a negative comment every time the mortgage payment is not made on time. I am being punished for the bad acts of another with no chance of relief without spending thousands of dollars I do not have. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company holding my debt served my father, at an address that I did not live at. I was unaware of the lawsuit and failed to attend the hearing. I was assessed an additional 25 %. I tried to talk to the company, but was told that my time to contest the lawsuit had passed ( even though I was never informed of the lawsuit ). 

I have been paying monthly ever since I was notified of the judgment, and do not get any kind of statement. Nothing that shows how much I paid that month, nothing that shows how my payment is applied, nothing that shows how much I still owe, and nothing that shows how much interest they are assessing! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I requested a loan modification, under the recommendation of the VA, on my VA home loan in XXXX of 2011 ; I was XXXX for two months and requested those two months be rolled into the principal of my loan. I resumed normal mortgage payments on the third month and have never been late. I remained in monthly contact with customer service of this mortgage company, and they consistently reassured me that the " late payment '' status on my paper bill was just a formality during this process and will correct itself once the paperwork is finalized. It took the mortgage company 11 months to " finalize '' the paperwork. This mortgage company reported to the XXXX credit bureaus that I was 120 days late for 11 consecutive months. This does not correctly reflect my payment history, I do not know what they would have to gain from this, but it is pulverizing my credit! 

Company response: Company chooses not to provide a public response
Consumer complaint: Applied for a loan to pay off my credit cards. The bank approved the loan. When the bank paid off the credit cards, I found there was an unknown credit card, I never applied for this card in my name. I ask the bank not to pay it that I did not know anything about it. The bank paid it and since I had signed the paper there was nothing they could do at that point. I contacted Citibank and confirmed that it was a fraudulent account. See letter dated XX/XX/XXXX. I hired a lawyer who contacted Citibank on XX/XX/XXXX and again on XX/XX/XXXX by letter ( see attached ) and have not received any response. 
Please help me get my {$17000.00} paid back to me for a credit card opened and had been active without my knowledge or approval. 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited a check for {$19000.00} inside a BOA branch on XXXX XXXX, XX/XX/2015. I signed the deposit slip. On XXXX XXXX, XX/XX/2015 it was taken out of the account as a " return item chargeback ''. I was not contacted and noticed that the amount was not in the account so I called Bank of America. They said they took the funds out because I did not authorize the check. I feel like this was the teller 's responsibility to ensure that the transaction was handled according to BOA 's policies. I would have gladly authorized the check if I knew that it needed to be authorized. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received unsolicited Visa debit card from netSpend. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I HAVE SENT THIS COMPANY XXXX LETTER TO STOP CALLING ME AND STOP REPORTING THIS ON MY CREDIT. THEY NO LISTEN TO ME AND I CANS NOT TAKES THIS ANYMORE. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a business checking account with Bank of America. My ATM cards magnetic strip apparently wore out, because XXXX ATM machines at the branch had trouble reading it. After repeated attempts at the XXXX ATM 's I was finally able to perform my transaction. I logged into my account to request another card, and it said a fee would be charged for cases like lost cards, which makes sense, but it did n't clearly say if a fee would be charged if a card wears out. I then went into the branch and told the representative that my card was n't working and I need a new XXXX, but was not willing to pay a fee. She then typed on the computer and told me a new card would be mailed, and said nothing about a fee. XXXX days later ( this morning ) I log into my account and see they charged {$5.00} for the new card. This is absolutely unacceptable to charge someone a fee without telling them, especially when they are standing in front of the employee telling them they are not willing to pay a fee. Obviously I 'm furious, because had she told me there would be a fee I would have said do n't order a new card. I 've had multiple problems with BOA and this will probably be the final straw that makes me close my account. I will be going back to the branch today to tell them I want the charge refunded, but no matter the outcome I am filing this complaint for their deceptive and unethical business practice. 

Company response: Company chooses not to provide a public response
Consumer complaint: I CANT BELIEVE THIS MESS. I SENT OUT NOT XXXX BUT XXXX LETTERS STATIN NOT TO CONTACT ME AND TO TAKE THIS MESS OFF MY CREDIT REPORT. 

Company response: Company chooses not to provide a public response
Consumer complaint: THIS JUNK BE CRAY. I CANT STAND THAT THEY CALLING ME ALL THE TIME THE THE ACCOUNT AINT MINE. SO I SENT A CEASE AND DESIST THINKIN THAT WOULD HELP BUT IT DIDNT SOOS I SENT THEM ANOTHER. NOW THAT AINT WORKIN 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was contacted by an unknown number this morning, and when I answered I was informed that whoever was calling was looking for my father. They asked to speak with him but I was given no other information such as who was speaking or where they were calling from. Without knowing who I was speaking to, I did not disclose any information. Rather, I asked the caller to identify herself and after various attempts she finally gave me her name. I then asked her where she was calling from ( as in which company ) and she refused to answer. Instead she kept asking for my father. When I would n't disclose if I knew him or not she hung up on me. At this point I was curious as to who was calling soliciting information about my father so I called the number back and asked where I had called. The representative told me I was calling Glass Mountain Capital. I went online to see what this was and found out that it was a debt collector. 

My issue here is the fact that after various inquiries, the debt collector failed to disclose the fact that she was a debt collector. If I had n't called the number back, I never would have known it was an attempt to collect a debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: WHY THERE COMPANIES OUT THERE THAT HAVE THE SOUL PURPOSE TO TICK PEOPLE OFF. THEY NO LISTEN TO ME I TELL THEM ALL THE TIMES THEY CALL THEY HAVE THE WRONG PERSON BUT NO. THEY BUT IT UP ON MY REPORT AND CALL NO STOP. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Credit Consulting Services sent me a notice of Outstanding Obligation as it relates to XXXX XXXX XXXX XXXX and requested that I contact and deal with the company directly. I have enclosed a copy of the letter for you for your review. I received the letter on XXXX XXXX and respond back to CCS with a certified letter on XXXX XXXX. I advised them ( CCS ) of the payment that was made to XXXX XXXX XXXX XXXX and that I had also put in a call to the XXXX XXXX ( one of the partners of the company ) because when I connected with him by email I had advised him that I had already had my taxes prepared. I was told the process would only take XXXX weeks but XXXX weeks turned into 4 months. Anyway, CCS sent me another notice on XXXX XXXX which could have been crossed in the mail, but I still sent them another certified letter which they received explaining the situation again. 

On XXXX XXXX, 2015 I received an alert on my credit report that I have a collection account on my credit from CCS. 

My concern is that CCS said they wanted me to deal with XXXX XXXX XXXX XXXX DIRECTLY, however they placed themselves on my credit alleging I owe them the debt!!! 

Also I responded to them 5 days after I received the notice from them and they still ignored me and placed the account on both my personal and business credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I declared personal bankruptcy 4 years ago. My home has XXXX mortgages. At the time, my lawyer advised that I =not= include the servicers in my list of creditors. I have never missed a payment with either company, but because I did not include them in my list of eligible creditors, they have refused to report my good payment history to XXXX, XXXX, etc. so I ca n't properly rebuild my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America will not stop contacting me re : a mortgage modification that I rejected back in or about XX/XX/XXXX. I am attaching a voicemail I received on XX/XX/XXXX from Bank of America 's " NEW Primary Contact ''. As you can see from all complaints that I have filed with the Bureau of Consumer Financial Protection , Bank of America has royally messed up my mortgage account ; violated my privacy and personal information ; misappropriated my escrow funds ; refused to accept my XX/XX/XXXX mortgage payment and the list goes on. Please note that I have left several messages demanding the specific BOA employees, XXXX. XXXX XXXX in XXXX XXXX, NJ and XXXX XXXX who claims to now be handling my " moidification '' to stop contacting me since they have no reason to do so. There is not mortgage modification that I have approved. I have also demanded XXXX to stop contacting me. This company obviously received my mortgage information from Bank of America in order to contact me, without my permission for BOA to release any of my personal information. 

Although I have requested on numerous past occasions that my mortgage account be placed BACK TO " NORMAL '' and to remove if from the modification account they have placed it in WITHOUT MY CONSENT OR ACCEPTANCE of their proposed modification, BOA continues to harass me about my mortgage modification, which I rejected and does n't exist ; is and always has been current and they are now refusing to accept my XXXX mortgage payment that I have been trying to remit since XX/XX/XXXX, at their local BOA office in XXXX, NJ. On XX/XX/XXXX, I was caused to expend {$11.00} in XXXX fees to mail my mortgage payment to BOA via certified mail, return receipt requested. 

Most importantly, I have recently been advised by the Internal Revenue Service that they have " flagged my XX/XX/XXXX Tax Return '' since someone else has attempted to file XXXX using my personal information. This is quite troubling since Bank of America violated my privacy by ( 1 ) employing someone who stole customers ' personal information a few years ago ; and ( 2 ) by recently providing another individual with my mortgage documentation/information, whereby I received that person 's Bank of America letter re : a rental car which was received in an envelope addressed to me. As a result of Bank of America 's failure to protect my privacy and personal information/identity, same has been stolen and the IRS will not release my XX/XX/XXXX Tax Refund. 

Please advise if you require any additional documentation and I will promptly provide same which shall confirm the fraud. Simply stated, Bank of America has violated the Federal Privacy Act, among other illegal acts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am trying to refinance my mortgage with another provider but because my current mortgage company switched servicers from a third party to in-house, they have stopped reporting to the credit agencies. They have not reported since XXXX 2015 and will not start again until XXXX 2015. They told me they wo n't report until XXXX but I am trying to refinance now. The credit agencies are reflecting my credit score as XXXX without a mortgage. Because of this, my score is lower. Because of the lower score ( XXXX without a mortgage ) I ca n't get the program I need to get a lower rate. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After telling them not to call my work, which is at a XXXX. therefore falling under the inconvenient clause. They continue to keep trying to contact me there. They also keep calling my parents house after they have repeatedly asked them not to. 

Company response: Company chooses not to provide a public response
Consumer complaint: Prime Acceptance Corp makes call after call all day long from multiple phone numbers! I own a business and it 's very disrupting while I 'm trying to talk to my customers! They harass my wife in the same manner and she works in the medical industry!? This harrasing disrupts her while trying to deal with patients! This is not border line harassment it 's full blown harassment! 

Oh wait a minute! If this is not enough! If I do n't answer they call the people that you used for references and ask them where we are and are we going to pay our bill! BTW I HAVE WITNESSES!!! 

I am going to talk to my attorney and see if I can file a lawsuit tomorrow! No more Mr nice guy here! We have been putting up with their unprofessional, harassing behavior long enough! I need someone that can stop their bullying tactics and shut them down! 

Unfortunately some people respond to their harassing behavior like " We will reposess your car if it 's late 3 days if you do n't pay! HAPPENED TONIGHT! I do n't respond to threats! I told every person that I talked to today that I would make XXXX out of the XXXX payments! XXXX XXXX is a supervisor and she told me I 'd better change my attitude because she was the Collection supervisor and she would take our car off repo hold and start repossession action! 
Our loan is 3 days into the XXXX payment! 

We got behind because of the time of the year in our business and Ipaid {$2600.00} in the past 60 days and became current! I would think this should have shown our intentions and capabilities to these Harrassing Collection XXXX ... 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Someone stole my money out of my checking account I did not authorize anyone to a control money from my account I filed a fraud claim immediately upon finding my funds work on SunTrust has denied my claim and now I have to file a rebuttal to have made me wait two weeks of no funds taken my sons XXXX check and my entire account plus fees over {$4000.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: says i have home loans and credit cards out ... 
I have never taken a loan and i have never had a credit card and some info is wrong like my current address and employer ... 
I lost my job too due to my XXXX. 
Something has to be done. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am not able to obtain my experian credit report or report # 

Company response: Company chooses not to provide a public response
Consumer complaint: I RECEIVED A PROMOTIONAL OFFER FROM CENTER STATE BANK, CARDMEMBERSERVICES, XXXX, XXXX ND STATING THAT IF I SPENT $ XXXXWITHIN XXXX MONTHS MY ACCOUNT WOULD BE CREDITED {$300.00} IHAVE MET THESEREQUIREMENTS BUT WHEN I WENT TO REDEEM MY MONEY I WAS TOLD I WOULDHAVE TO WAIT XXXX MONTHS BEFORE I WOULD RECEIVE MY. MONEY THE OFFERI RECEIVED MADE NO MENTION OF THIS. I BELIEVE THIS IS UNETHICAL MARKETINGAND I REQUEST I RECEIVE MY MONEY IMMEDIATELY. 

Company response: Company chooses not to provide a public response
Consumer complaint: Numerous calls ( more than XXXX ) to my cell phone in less than 2 weeks. Caller does not leave a message and does not answer when I have picked up the call. 

Internet research lists this number for a debt collection agency Contract Callers , Inc. of XXXX, Georgia XXXX XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Turned down for a VA loan by loan officer at price financial services. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Credit Report from Quicken Loans. I have XXXX complaints on these negative items on my credit reports, and now they show up again and again. After I have been told they are removed. 

Company response: Company chooses not to provide a public response