AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX/XXXXXX/XX/XXXX my credit card became compromised. I had to contact Bank of America to have the card shut down and get XXXX reissued. However, I had already begun making payments to the old card number in the amount of XXXX on XXXX/XXXX/XX/XX/XXXX and XXXX on XXXX/XXXX/XX/XX/XXXX I also had returned an item for XXXX that posted to the old card on XXXX/XXXX/XX/XX/XXXX. Bank of America took over 30 days to process the transfer from the old card to the new card. I was given multiple different answers by multiple different associates. I wasted hours of my time and was lied to by this company on multiple occasions. The issue was not straightened out until XXXX/XXXX/XX/XX/XXXX. During XXXX phone call, I was hung up on by XXXX of the representatives. They acted completely unprofessionally and handled my concerns and issue in an entirely unethical manner. Because of the way this situation was handled, I have opened another card with a different company and will not be doing business with Bank of America any longer. 

Company response: Company chooses not to provide a public response
Consumer complaint: upon request of docs, i was told i was speaking to an attorneythey also have reported the same information in duplicate as to affect my scores 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: im a former XXXX student in XXXX MA. i took out a loan i was promised job placement and never received it. now im stuck with a loan that i can not pay back. please help. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: This number XXXX has been calling family and friends looking for us saying they want money from us for some debt and give no name as to their business or information about the matter but never have we received a call from them. When I looked up the number it was reported as a scam alert. Plus that number is not in service and goes to a XXXX voicemail service when called. The name my mom got was XXXX XXXX. She was uncertain as to the spelling of his last name. This has happened before and I do n't know how to stop it. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I had a contractual agreement with Citi-Bank on a Balance transfer from XXXX Credit card to Citi-Bank. The reason for the transfer for a lower interest rate. Citi-Bank entered into an agreement to have the interest rate remain the same for the term of the note. Citibank increased the interest without notice. Whereas payment to Citi-Bank was through direct debit my bank account. After several calls to Citi-Bank customer service, they admitted their mistake and corrected it. I received a statements reflecting this error and showing a corrected actions. Then I received a statement from Citi-Card once again with an increased interest rate to 29.5 % and a penalty for not paying a full payment. I have been advised by my attorney that this action was a freud, a former Judge also stated that Citi-Bank had committed a fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm filing a complaint because the {$75.00} annual fee I paid for with my credit card includes a XXXX night free bonus when using the card. After collecting the annual fee, US Bank has decided to remove the benefit that I had already paid for. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been contacted by several phone numbers that come up in google scam complaints as XXXX XXXX they call me excessively with recorded messages for months that I have fraud charges against me and will be receiving a subpoena. I phoned back with an attorney and all they would tell us is that it 's a XXXX XXXX from like 2010 (? ) for like XXXX. I have never had a XXXX XXXX and have never received any notice about this in the mail. They told my lawyer they would see me in court yet I still have never gotten any subpoena and they continue to call from various phone numbers with recorded messages. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have received a multitude of calls for a XXXX XXXX. I have had this number for over XXXX years. There is a large XXXX XXXX here and I looked up her former addresses and she has lived in XXXX XXXX, XXXX and XXXX XXXX, XXXX. They have called XXXX times today and XXXX times since XXXX XXXX. Usually XXXX times a day, XXXX a week. Most collection agencies do n't call so much. I have the number blocked. According to XXXX these people are very rude. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: On or about XX/XX/XXXX I closed on a refinance of my home with New American Funding Inc. My XXXX payment was due XX/XX/XXXX and I have made all my payments on time. Today XX/XX/XXXX I was contacted by a Mortgage Company concerning lowering my VA Loan through a VA Interest Rate Reduction Refinance Loan ( IRRRL. During the initial process I was informed that the current servicing mortgage company was not reporting my loan with the credit bureau 's and this was hindering me from getting the lowest interest rate available. He state I am only a couple of points shy and not reporting the loan was preventing me from obtaining the points. I contacted the XXXX bureau 's and they agreed. I then contacted XXXX with New American Funding, XXXXXXXXXXXX. He stated in XXXX they went to a new mortgage servicing company and according to RESPA they wo n't report to credit agencies until XXXX. It would appear this information is incorrect and is harming my ability to obtain the best rate possible. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: For Experian. Please note case number XXXX on file for XXXX. 
Dear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due. I am requesting that the credit bureaus delete the information or correct it. Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible. Sincerely, XXXX XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been attempting to cancel an XXXX XXXX credit card administered through Bank of America to no avail. I tried to cancel XXXX by writing a letter but that did not work. I returned the credit card but two months latter I was sent a new XXXX. I did not activate the new card but was sent an annual bill for which I did not pay. Now B of A is billing me interest on the annual bill for the non-activated credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have paid out XXXX to an attorney to help me save my home. It did not happen. XXXX, XXXX, XXXX and Bank of America have all had their hands on this house at XXXX point or another. I have been told to convert the chapter XXXX to a XXXX and give up my home. I am XXXX and so is my mom. I have a XXXX in my home for over 30 years. But nobody cares. All they want is to get their hands on the PMI insurance I have on the house and they get to sell the house to They have not offered me any kind of money to help me relocate Nothing. And this is the American way. All I can say is that I am a victim of predatory lending, something is wrong when the families are torn apart, the elderly and XXXX have no rights or protection. 
XXXX never served or tried to serve me any kind of summons, letters nothing. They are wrong. I need help because I did not come into this house poor, broke, no money, etc. Since I have been paying them my mortgage for over a year and my bills I am broke. These people broke all kind of laws and it looks like they are getting away with it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I need assistance with getting incorrect information removed my credit file. 
I have sent certified mail to all XXXX credit bureau and reporting agency and have been unsuccessful. 
1. Inquiries- un-authorized2. collections account I want proof with my signature establishing/bonding me to a contract of such said debt 

Company response: Company chooses not to provide a public response
Consumer complaint: I was approved for offered and accepted Department of Justice Attorney General Modification trial modification term by XXXX XXXX XXXX who subsequently after successful completion of 2 months of the 3 month trial sold and transferred my loan in question to BSI Financial Services as the new servicer. As stipulated the DOJ Attorney General Settlement Consent Judgement in exhibit A section M Transfer of Services of Loans Pending for Permanent Loan Modification pages XXXX and XXXX, and as agreed and confirmed by BOTH XXXX XXXX XXXX and new servicer BSI Financial Services it is mandated and agreed that " Servicer shall ensure that it will accept and continue to process pending loan modification requests .... and that it WILL HONOR TRIAL AND PERMANENT loan modification agreements entered inot by the prior servicer. It has been agreed and confirmedby BSI representatives that my required trial was completed with my XX/XX/XXXX payment. It was further confirmed in a XX/XX/XXXX email from BSI that they would honor my completed trial plan and move my loan to permanent resolution of a permanent DOJ Settlement modification adhering to the terms worked out for my loan on my behalf through the California Mortgage Modfication Monitoring office of the California Attorney General office. As early as XX/XX/XXXX, at their request, I provided BSI DOJ Modification offer and approval documentation from XXXX XXXX XXXX ( prior Servicer ) as well details and emails between the attorney representative of the California Mortgage Monitor office of the Attorney General 's Office and XXXX XXXX XXXX authorized representatives including detailed permanent modification terms. Since XX/XX/XXXX to present date my permanent modification terms and documents have not been remitted to me and my permanent DOJ Attorney General modification per the Settlement and agreement with prior servicer has not been made permanent. I have waited patiently and with understanding as my requests for status, updates and expectation of my permanent modification have met repeatedly with the response that the BSI " underwriter is backed up. '' It is now XX/XX/XXXX and as my situation includes the special circumstance of being a Department of Justice Attorney General National Mortgage Settlement permanent modification term agreement I would hope for priority in processing and finalizing and that my mortgage should have been permanently modified before this timeframe. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: On XXXX 2014 I file a complaint on a EFT because the company cancel my policy for my car insurance 2weeks after I paid them for a month of services I called XXXX XXXX several and got no where with them so I file a claim with Bank of America so have 90 days after investigate alls XXXX XXXX sent them authorization form and sent them prove of them canceling my policy after 2 weeks of services I sent them a copy of the e-mail that XXXX XXXX sent me and they still denied my claim and I feel I should be credit for that charge 

Company response: Company chooses not to provide a public response
Consumer complaint: I represent XXXX XXXX, who is trying to stop the foreclosure of her home. Originally, the property was purchased by XXXX XXXX, XXXX 's partner of 20 years and common law husband. The XXXX separated and XXXX remained in the property. A foreclosure was initiated in XXXX. XXXX agreed to transfer the property to XXXX in XXXX, and the foreclosure was voluntarily discontinued and then filed again with XXXX and XXXX as defendants. XXXX has been working with me to try to get a loan modification since XXXX. However, Ocwen, the current servicer, will not provide any information on the account, nor will it provide any instructions on whether and how XXXX can assume the mortgage.I contacted Ocwen several times ( with permission from counsel for the mortgage holder XXXX XXXX XXXX XXXX but Ocwen would not provide information about the account without XXXX 's authorization. After making several attempts to get information, Ocwen eventually transferred me to the assumptions department, which instructed me to fax a request for an assumption. I faxed the request on XXXX XXXX, XXXX along with a copy of the deed to the property from XXXX XXXX to XXXX XXXX, as evidence of her ownership interest in the property. I have not received a response from the Ocwen about whether the loan is assumable or how XXXX could assume the loan. I have also not received a response to whether the streamlined modification offer sent to XXXX could be accepted by XXXX. When I made that request, Ocwen responded by contacting XXXX and informing their attorney that they could not reach the borrower, rather than attempting to reach my client. There is some urgency to this matter as the foreclosure case is scheduled for trial sometime in XXXX and Ocwen has not reviewed XXXX 's application for a loan modification or an assumption. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Refused to agree in writing that account would not be reported on credit report if paid in full by the XXXX. Paid in full by the XXXX and per the recorded conversation with XXXX and her supervisor. The account was reported on my account in direct violation of our agreement. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had an account with Nation 's Bank years ago when Bank of America purchased Nation 's Bank and grandfathered my no fee checking. I moved this account to XXXX, Oregon and BoA grandfathered my no fee checking. BoA compelled me to change the account to a no-interest checking account when I purchased a home with BoA mortgage. BoA then sold my mortgage disqualifying me from having the account at no charge to me. They claimed they would grandfather me. Fraud occurred in XXXX XX/XX/2014 with a washed check, at BoA request we opened a new account and at great annoyance migrated everything ( bills, autopays, etc. ) to that account over 3 months time. They promised they would grandfather my new account. Their payments got messed up and they failed to make a scheduled mortgage payment inciting my mortgage company to interrogate me. After unwinding that in-person at BoA they again promised to grandfather my account. On XXXX XXXX, BoA started charging a new fee ( {$25.00} maintenance ) posted on XXXX XXXX to my account. On inquiry they determined they would not live up to their promised grandfathering and offered other fee based account options. While they refunded the fee they failed to mention I would get charged the same fee the next month. 

Through mergers and coercive behavior, the gov is a willing participant in reducing competition and reducing consumer services while funding these companies with taxpayer dollars. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company will put a collection claim on a credit bureau. When I have it removed, they will put it back on and re-age it so it stays on the report for XXXX more years. This is illegal. They will not tell me what company they are trying to collect for, either. They refuse to answer any questions, in fact, except to say I need to pay. They are a scam. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Someone called me from Regional Acquisitions Group named XXXX XXXX, claiming that I owe {$1300.00} from an overdraft from XXXX ( he was unsure of the date ) he said from XXXX and that a group of lawyers has now been assigned to use their legal powers to seek judgment against me. He stated that he was able to reduce the debt to {$620.00} if I were willing to pay him, saving me money and going to court. I then said where can I call you at and he stated I could call him at XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a call from XXXX XXXX XXXX asking if I wanted to switch to Uverse that it was better and that there was no charge or interruption of service. I received a new modem in the mail and after connecting it found out it was defective. I was directed to an XXXX office in XXXX, CA to exchange the Modem. Went to the store and was told that I was given the wrong information and had to send it back ( mail ) to exchange it for a working XXXX which I did. After about 20 days the system was up and running. Got a collection call several months afterword 's, I contacted XXXX XXXX XXXX who told me it was an error and that they would correct it. A year later I am starting to get collection calls and letters trying to collect the same account again. I called XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX - would not give his last name ) and basically was told that either they could not find the account or that they could not do anything about the account because they had sold it and that I would have to work it out with the collection company. I had and still have the same service with XXXX XXXX XXXX with no interruptions in service. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XXXX XXXX XXXX account in collections since 2008 for balance of XXXX. XXXX collections provided the account number and directed me to XXXX. The XXXX XXXX XXXX representative researched the issue contacted the collections agency and provided the following diagnosis : the spelling of the my first name and Social Security Number, do not match those listed on the account. XXXX XXXX XXXX will notify the collections agency of its error and remove my information from its records. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did a loan modification with bank of America last XXXX, It was very easy and after a short time I got a coupon book in the mail to make XXXX trial payment that were a lot lower then my original mortgage payment. I made all three payments that were for XXXX, XXXX, XXXX. and my payment was then set to that low payment. I then made the XXXX, XXXX, XXXX, XXXX, XXXX payments. My XXXX payment jumped up {$600.00} dollars. When I called Bank of America they stated to me that there was a {$5000.00} dollar balance left owed on escrow. That I was never told about. They also said that they wanted a cushion in the escrow account for future payments on taxes and Ins. I informed them that I could n't pay the new mortgage amount. I then was told that I could do a modification after a year has past. I was also told I could start the process in XXXX 2015 and in XXXX it would be a year. So I Filled out the Modification application and started to gather all my copies and statements. It was the worst experiences I have ever had. I was receiving XXXX packages almost every day requesting more stuff. My contact person was XXXX XXXX Who did n't care about me just the numbers. I was being called for paper work that I already sent and questioned on accounts I paid off. Now three months later they send me a denial letter stating the reason they could n't do the modification was I needed to wait 24 months not 12. to apply for a new modification. When I spoke to XXXX XXXX after receiving the letter I asked her why was I still sending papers and faxing things to her if all along you know I was n't in the guild line of a new modification. Her answer was. That 's the FHA guild line. So the time and money I spent on coping and faxing was all for nothing. Thank you Bank of America Sign XXXX XXXX. a very disappointed customer. 

Company response: Company chooses not to provide a public response
Consumer complaint: Convergent continues to send me collection letters and calling my cellular phone after being advised that the debt they are attempting to collect is more than the 4 years for the state of Florida. XXXX account is for a balance of {$17000.00} which was first delinquent on XX/XX/XXXX which is more than 13 years old and also received a pre recorded call on XX/XX/XXXX at XXXX. In addition received another collection notice from same agency for an amount of {$160.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A man called and said he was with Dynamic Recovery Solutions ( he called my cellular telephone ) did not identify himself 'only that we wasnted to discuss a personal issue. 

I did not call back -after I read Ripoff report and all of the other compliants on line. They did not even say who they were calling for. 

Seems like a scam 

Company response: Company chooses not to provide a public response
Consumer complaint: I wo n't go into it but citi pulled XXXX and denied based on my number not being on my fraud alert. XXXX XXXX conjectured that she could n't remove the inquiry but I applied again when confirmed physically by experian that the number was reporting. This time they demanded XXXX. Classic bait and switch, I RSVP to the XXXX CFPB meeting for the public and I have lots of documents to handover on consumer protection violations. Citi needs to learn Dodd-frank and refrain from attempting to school me on it, XXXX charlatans as they are now want Equifax go figure sounds like ECOA violation retaliation because I filed a dispute. In contradiction to the CCPA. 

Company response: Company chooses not to provide a public response
Consumer complaint: Summitt receivables calling daily to " settle a debt '' but will not disclose who debt is for, nor will not stop calling after repeated written requests. Summit is a collector for payday loans, I have never taken XXXX. Summit refuses to verify the debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: There a XXXX fraudulent credit cards that were opened and used without my knowledge over the past few years. I 've filed this report with you people numerous times and you have done nothing. This case is being investigated by the FBI, letter attached. 
I have written numerous letters, made numerous calls, the Private Investigator assigned to not only mine but others in this matter have also exhausted their effortsI keep receiving letters from Bank of The West that they have turned the account to charge off. This is not my debt and they have not once called the FBI to confirmed as other creditors have that have released the debt. 
I have been harassed by a man at Bank of The west by the name of XXXX ( XXXX ) XXXX and he flat out told me I was a thief and this was my debt. 
Bank of the West has been very rude and called me a thief even. How does a consumer that has been issued an FBI 's victims number and pin, l having to register on the FBI 's Victims sight get treated this way????? I want you XXXX the CFPB do FINALLY DO SOMETHINE ABOUT THIS HARRASSMENT. FBI VICTIMS LETTER ATTACHED ALL THREE SHOWING THE CASE IS STILL UNDERACTIVE INVESTIGATION AS THEY HAVE PINPOINTED AT LEAST XXXX VICTIMS. 
THE PROBLEM IS YOU THE CFPB HAVE TAKEN THEIR SIDE AS WELL AND NOT FORCED THEM TO CALL THE FBI TO VERIFY THIS CRIME. THE CARD COMPANIES THAT HAVE RELEASED ME FROM THE DEBT DUE TO FRAUD CALLED THE FBI AN VERIFIED. BANK OF THE WEST SAYS THEY DO NOT HAVE TO. I AM VERY DISSAPPOINTED IN THE CFPB AT THIS TIME AS WELL AS YOU ARE NOT PROTECTING INNOCENT VICTIMS. 

Company response: Company chooses not to provide a public response