AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I sent the below letter to Bank of America for a resolution, which they denied. I believe their actions are unjust. 

I am writing you with a very heavy heart. I am extremely dishearten and dissatisfied with the level of insensitivity and lack of understanding and communications received from Bank of America 's representatives regarding my closed account, now " charged off ''. I am requesting the charge off be reversed due to miscommunications and technicality. In XX/XX/XXXX, I spoke with a representative, who I notified that I was having hardship ( became unemployed ). She notified me that my account would be charged off on XX/XX/XXXX. Being XX/XX/XXXX was on a Saturday ( weekend ). I paid the bill on Monday, XX/XX/XXXX, which was paid the next business day, XX/XX/XXXX. I had no idea my account would be charged off on a weekend and neither was I explained this information in detailed. 

Additional information : I also was told that I had a cease and desist order on my account, which too was puzzling. I never requested a cease and desist and was never told such an order would be put on my account when requesting not to contacted via telephone. Today, XX/XX/XXXX, the represented mentioned that the cease and desist stopped all phone calls and correspondence, which I would have never agreed to. Requesting not to receive phone calls is totally different then not receiving mail. I never knew there was an issue until now, because I was still receiving my monthly statements. Therefore, I did n't get any reminder notice for the upcoming charge off or notice of the actual charge off or any notice pertaining to this cease and desist order that I did not consent to. 

I have had several hardships during the course of this account from being unemployment several times, XXXX, newborn ( a bundle of joy, nevertheless a financial adversity ), accepting a XXXX " only '' XXXX position, which was insufficient, thus having to move in with my mother, then recently in XX/XX/XXXX, becoming unemployed again. Through it all, I did the best I could. Now, that I have almost completed my payment in full, it is quite unfair and disappointing to receive a charge-off on my account for a difference of XXXX days, of which XXXX were weekend days. Furthermore, I never receive any notification pertaining to this charge-off, due to the above mentioned unauthorized communications disconnect. I thought Bank of America was in the business of helping people and that Bank of America would much rather see me pay my bill and build up my credit vs. damage my credit with a derogatory " charge-off ''. 

I am asking that you have compassion, thereby reversing the charge-off on the aforementioned account, in so doing allowing me to pay my outstanding balance in the amount of {$1200.00} without such a steep penalty. I really like Bank of America and hope to be a customer again, when my financial situation changes for the better. 

Thank you kindly for your consideration, time and immediate attention to this matter. Providing you require additional information, please feel free to contact me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Have XXXX on my account from this company never have had any info on what is for on my trans union report the number is XXXX and the second is XXXX do n't know what they are for we have had XXXX XXXX for years and the other says insurance and we have had XXXX for years so no clue and never been contacted about these or had any info 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced my home and chose to preserve my Home Equity Line of Credit with Bank of America. They advised we would need to process a subrogation agreement which would take XXXX business days. That fell within the close date of XXXX XXXX, 2015, so we proceeded to pay the fees and process the subrugation. Bank of America missed the deadline by several days resulting in my being charged over {$3500.00} in interest from the original mortgagee because we went well into XXXX before the refinance was completed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Stonegate Mortgage Servicing has been rude and abusive to my inquiry on escrow/tax refunds due to me. Said they would call me back but I have had to keep calling to inquire through this process. I was told only XXXX manager was in today and could not speak to me. This is a separate issue but they only have XXXX manager for the entire servicing office that can handle escalated matters? Sounds like they are understaffed to handle sensitive issues and escalated matters properly. So, they received a check of my returned funds back from XXXX, their vendor partner, on a double payment and deposited those funds on XXXX XXXX. I called back a week later and was told they were not processing my funds until sometime in XXXX? They can process funds in 1 day from their own vendor partner but it takes 18 days to return funds to a consumer? Why so long? This is unfair to me and other consumers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted Select Portfolio, my mortgage servicing company, in order the obtain a letter entailing the amount I need for reinstatement to avoid eminent foreclosure. They sent a letter of reinstatement, but it did not state that this amount was the amount needed to avoid eminent foreclosure. When I contacted them to inform them of this, they related that they do n't write letters of this nature. They also stated that they are not in the processing of foreclosure upon my property, but 'in litigation '. I was confused. " Foreclosure is the legal process in which a bank or other secured creditor sells or repossesses a parcel of real property after the owner has failed to comply with an agreement between the lender and borrower called a 'mortgate ' or 'deed of trust ' ". Since they are in the process of trying to force a sale of my house through the courts, and represent XXXX bank, how can they say that I am not in danger of eminent foreclosure? They further directed me to make a payment immediately. I am unsure where that payment would go nor am I sure it would be used to avoid eminent foreclosure. I am in the process of getting help to work with the bank, but they do n't seem interested in working with me. They said all of our conversations are recorded, so there should be no discrepancy as to each conversation that transpired. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX 2011, I started a small XXXX Company and wanted a slide/portable credit card machine. So I contacted XXXX XXXX XXXX. The Bank immediately helped me over the phone and sent me the credit card machine. However, they asked my bank account number to make the deposits after 5 % deduction of their service charge, and the credit card machine was free. 
I said, ok and in good faith gave my bank account number. 
Since I was just starting the business, I had no clients and hardly used the credit card machine. Soon, I noticed that the XXXX XXXX started to siphon out money from my bank account ranging in the amount from {$25.00} to {$50.00} a month. When I inquired, and stated that we had agreed before I started the service that they would charge me only when I use the machine 5 % of the amount of transaction. They tried to justify that they told me before hand, which was never mentioned at the beginning of the when the service started. I felt misled, so I called them up and told them that I felt deceived, therefore, they abide by the initial promise they charge me only when I use the machine. I requested them not to take out any money from my bank account, because I never authorized them to do so. The only reason, I gave the Bank account # was for them to deposit the transaction amount after deducting their 5 % charge. No term was disclosed to me at the beginning either. But they continued to take my money on incremental basis. Therefore, I called them up to cancel my services with them and they told me to return the credit card machine, which I did. Even though I asked for the acknowledgement of the receipt over the phone after tracking the machine which reached to them, they did not respond for two and half years, nor did they try to contact me. Surprisingly, the collection Agency started to call me too often and tell my social security number. I am very much worried that they are trying to extract more money from me and destroy my credit. 
As a hard working citizen, I have responsibility to support my family and then thinking of a dream home. But things like this has threatened my integrity and and the credit score. 
Therefore I request you to contact the bank and consider this case null and void and close it forever without affecting my credit. 
Thank you 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Ordered a XXXX credit report and scores from XXXX ( Experian ) .They only gave me XXXX score and XXXX report from Experian. They said there was an error in getting the other XXXX scores & reports. I paid them {$49.00}, & they will not refund my money. It was paid with a Visa card 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a complaint against the bank before and the problem still has not been rectified. By the time I spend money in legal fees it will certainly not be worth it for me to try and get answers. However, I do plan to file complaints with other agencies until I am vindicated of this awful trail of unjust events. Starting with the account was a joint account and there were charged that were unauthorized. I should not have to suffer because someone else has done something wrong. Reporting me to XXXX is unfair and especially since the bank has already gotten over in fees. A collection agency kept calling me on their behalf until I just gave in and paid. However, during the process my bank account for my XXXX year old daughter has been closed because BB & T decided to report me and not my husband to XXXX. I have NEVER EVER been in XXXX and this just is n't right. I now think it is a smart investment to hire someone on my behalf to fix this since they want to just play dirty with the whole thing. BB & T is the worse bank to ever have in life and I never thought I would have such a problem with them even reporting ect. However, let the record reflect that I have tried to contact several sources inside of BB & T to help but they are just not qualified to get the job done. There is no XXXX number you have to go in and do everything and unfortunately, I do not have that type of time or means. I am a mother and recently had a XXXX that does n't allow me to even drive. Either way this is a ongoing problem even after their unreasonable request for fees have been paid. I 've been lied to and now cheated out of money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was told by my bank that they did n't accept money orders via mobile upload. I did however upload them. I did n't see the deposits on my account so I went to a branch and had the deposited. Suntrust cashed XXXX sets of money orders and then they closed my account. After I withdrew {$1000.00} I had a balance of {$40.00} well they charged me all types of fees and told me the money orders were no good. I contacted the money order issuing company and confirmed the money orders were good. I have yet to see my {$40.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to resolve problems with Citibank andtheir XXXX credit cards. The matter has been going onsometime. I need to resolve these problems but thebank has not been helpful, other than sending formattedlong letters. I hope they come up with a solution. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am being called by USAA credit card services XXXX times a day regarding a credit card debt. They call on weekends, Holidays, and sometimes at XXXX at night. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I attended XXXX XXXX XX/XX/XXXX -XX/XX/XXXX ( a XXXX XXXX ). All of my loans were forgiven by XXXX Acct. # XXXX in XX/XX/XXXX. Genesis should have been included in this. They need to stop sending me notices as I am XXXX and will not be paying back any loan unless I receive help from the government myself. Please check this out and inform me of your findings. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Macy 's has charge me 8 month interest on a closed account that i request to be closed on XXXX XXXX 2011 because high interest rate it does n't state after you closed an account that Macy 's is still able to charger you interest it only state that Macy 's can collect the remain balance which i owe. The agreement that i sign was terminated upon my request if it is closed you are only to collect the the remain balance Macy 's agreement was terminated so were the late fee Macy 's has not sent me any type of information that state after account is closed Macy 's is able to charger you late fee. so i decide to file a complaint against Macy 's so please investigate this case Thank you Sincerely XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/2014 I purchased an Solar Air Cond. system. I have found out that the system installed is NOT an Solar Air Cond. system and that the outside condensing unit and inside air handler should have NEVER been connected to an Solar panel per the manufacture. 
I have placed criminal charges against the company's owner. The company XXXX that sold me the system arranged for financing thru Aqua Finance Inc. I have explained several times over the past several months that XXXX DID NOT install a Solar system they installed a plane old A/C and air handler system that is connected to a Solar panel that should have never been done. Now Aqua is coming after me for non payment and has placed past due notices on my credit record. I'm NOT going to pay for something that is a FRAUD. Please help me with getting ride of this debit that Ive tried my very best to let EVERYONE know that I didn't get what I paid for.
Company response: Company disputes the facts presented in the complaint
Consumer complaint: To whom it may concern : I submitted and complainant on the XXXX/XXXX/2014 : on the letter that yawl send me stated that some complaint. if so something should be done about the same complaint over and should let you know over so that so that should let you know that there is some truth to this matter and I gave the only info that I had. The info that Lawyer gave was Ford and forgery and I do not have A Business on XXXX or any or any ware else. what they are say is I have Company business in my home when I do n't have one so now they base my payment on something that the lawyer say but he is lying about the no business here there was never an business here. was documents that give the Bank America from this Lawyer. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America representative XXXX called my home 364 days straight in XXXX and also called an hung up when I did not answer XXXX times each of those 364 days but did not leave his name. The calls came in between XXXX est and XXXX est. Sometimes every half hour for several hours. The three years or so before these harassing calls I tried to speak with Bank of America representatives and was cursed at, threatened, degraded, hung up on by them only to be called back every XXXX minutes until I picked up again. I went in person the the local Bank of America Branch to report this and the Branch assistant mgr said she know this is a common complaint and nothing can be done. I was shaking so bad I could barely speak and tell her what they are doing and how much it disrupts daily life to the point I cringe each time the phone rings. To add insult to injury my credit score is damaged and the Bank of America actually states the kind of loan I have - interest only home equity loan - can not possibly be the type I received as it is not allowed by law! I do have XXXX! The interest only home equity loan was given to me XXXX and here it is XXXX and the Bank of America is a nightmare that will not end. I am on the do not call list, have been for years. I am on XXXX since XXXX and all I am seeking is an immediate and final correction and repair of my credit and no longer be afraid to answer my phone. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting a foreclosure starting in XX/XX/XXXX on my credit report, source XXXX bankI was denied an FHA mortgage through XXXX XXXX bank as a direct cause of this erroneous information. 
This account was completely closed back in XX/XX/XXXX and I can prove it with a copy of the dee transfer which was recorded in XX/XX/XXXX. 

FHA mortgage guidelines disqualify any applicant with a " recent foreclosure '' in the last 24 months. This account is XXXX years old ... as it was CLOSED totally and finalized with a transfer of deed, registered at the XXXX County Court in New Hampshire. I supplied this proof to XXXX XXXX, who re-submitted it through Experian Credit Bureau, who still refused to remove it. I origianlly disuted this directly through experian in XX/XX/XXXX when this inof appeared..to no avail. This has caused my extreme financial damage, and emotional distress, causing me to forfeit funds ... possibly move etc. etc. 

Company response: Company chooses not to provide a public response
Consumer complaint: MANY HARASSING PHONE CALLS PER DAY 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: On or about XXXX XXXX I have been sending Letters to XXXX and XXXX with respects to reporting my Bloomingdale 's account 60 days late, when in fact it was not. Each response I received was that it was " previously verified ''. 
I also made contact with Bloomingdale 's in XXXX XXXX, and spoke with a customer service representative requesting that they investigate this information and to date this matter has not been resolved. 
Bloomingdales and XXXX are reporting my account 60 days late when in fact it was not. Each letter sent is being responded as " verified '' I made numerous calls and attempting to clarify this and they have not made any resolution. I have explained to the customer service representative how can I be " current '' in XXXX and " XXXX '' days late in XXXX XXXX. In addition, on or about XXXX XXXX, XXXX I spoke to a representative by the name of XXXX which informed me that they will issue me a credit for {$1100.00} for billing me for a credit protection program I never signed up for. I was further instructed that I do not need to make my monthly minimum payment of {$110.00} since I was being issued a credit for the above amount. On XXXX XXXX, XXXX, I received an alert from my creditreport.com stating that I was late 30 days with Bloomingdale. 
I immediately contacted Bloomingdales and explained to them what I was instructed and have I know I would have been marked " 30 days '' late I would have made my payment. XXXX XXXX XXXX advised me that I need to pay {$110.00} and then they will issue me a credit for {$18.00} when I got charged {$35.00} late fees. I was also instructed that I would need to pay the full balance due of {$170.00} in order for Bloomingdale 's to remove the item from my file. I explained to the representative that what they are doing was forcing me to pay for a balance that is not due. My XXXX bill is due XXXX XXXX, XXXX. 
Bloomingdale 'sXXXX and XXXX is defaming my character and adding incorrect information on my credit file when in fact it is not accurate. I have been a customer since XXXX XXXX and have always made my payments timely. This adverse information on my credit file is not showing any potential lender my ability to make payments timely. Bloomingdale 's is merely abusing their authority by placing invalidated information on my file. 
Bloomingdale 'sXXXX and XXXX, act by reporting inaccurate information to my file constitutes fraud under both Federal and State Laws. Due to this fact, Bloomingdale 's, XXXX and XXXX has violated the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act and have Defamed my character. Simply matching numbers in a database is not sufficient in validating a person 's account. In addition each inquiry to validate a complaint should be treated as a new complaint not only to indicate to a consumer that the matter was " previously verified ''. I am requesting that these negative items be removed from my file. 

Company response: Company chooses not to provide a public response
Consumer complaint: I resided at XXXX from XXXX ( see attached ), and I had a move out balance of {$110.00}. The apartment collection agency ( XXXX ) posted this on my credit report TWICE. The balance has been paid to XXXX since XXXX XXXX, XX/XX/XXXX ( see attached ), however it is still showing up on all credit bureau as a DEBT and as a DUPLICATE. The collection agency is giving me the run around and it has affected me tremendously, and I need this debt to be removed IMMEDIATELY! 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I filed for Chapter XXXX Bankruptcy in XXXX. My mortgage was not included in the bankruptcy. I have continued to make payments to Bank of America XXXX a month, every month, and have never missed a payment or ever been late. Bank of America ( BAC ) debits my account themselves twice a month. On checking my credit reports this year, I found that BAC has given me a negative rating starting XXXX. It started with a N/R rating, then on XXXX it went to an X for unknown. They also stated that this account was closed XXXX/XXXX/XXXX as well as discharged in the bankruptcy of XXXX. Again, IT WAS NOT INCLUDED! I have all my statements from BAC, my bank, and even an escrow account review that begins XXXX and ends XXXX, showing that I have paid every month. The previous credit report that I received in XXXX stated from BAC, that I paid as agreed, was current and never late. And nothing has changed on my end. I have tried to rectify this with BAC and the credit bureaus, but to no avail. However, since I disputed their rating, BAC has retaliated against me by transferring my account to XXXX Mortgage, XXXX, which I have since found out to be a collection agency. And I have read nothing but horror stories about this agency. There was no reason for the adverse credit reports in the first place and certainly no reason to transfer my account to collection agency, since I am current and always on time with my payments. This is a malicious and unconscionable act on the part of BAC. Nor will BAC even speak to me concerning this or the credit reports. I had no idea that there was even a problem with BAC until I saw my credit reports and I do n't understand why they just changed everything, out the blue, when nothing had changed with my payments. I suspect, since their XXXX statements started mentioning the bankruptcy in bold print and that they could foreclose if I default in my agreement ; that by making fraudulent claims, they are trying to set me up for foreclosure. Why they ca n't just do the right and just thing for consumers, is beyond me. It is as if they have a department that does nothing more than figure out ways to steal, disrupt the lives of and just plain defraud their customers. All they had to do was just report the correct information on my credit reports. I ca n't even refinance my home because of the adverse credit reports by BAC. 

Company response: Company chooses not to provide a public response