AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Had a privacy issue when applying for a vehicle loan through XXXX ( TCF Bank ). I got a call from the funding specialist because apparently they did not get all of the necessary information from the vehicle dealership. I was asked many questions over the phone, many of which were on other parts of the application. I was okay with this. However, there was a document missing that required my signature and my driver 's license was too dark so they needed another copy. I was emailed the document that needed to be filled out and signed. All good so far. Now comes the issue. They do not use secure email and for convenience sake, they allow a text to their manager to send the documents in. I was n't happy with either choice, so I sent it in by text because I did not have scan capability readily available. I sent a picture of the completed documents to the finance institution along with a copy of my driver 's license. Got a text back minutes later saying, wrong number. This upset me. 

I called the finance specialist back, and after a little research, he figured out he gave me the wrong number. I just sent a credit application with my SSN, DOB, employer, income, a copy of my driver 's license, and all the information needed for credit fraud. A finance institution did this to me. This upsets me greatly and according to the finance institution, there is nothing they can do but call the individual back that I sent my information to and ask him to delete it. This makes me feel so much more safe. I just put my information out to be used or sold to a complete stranger. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Hi and thanks for your time ... we recently refinanced in order to take advantage of the reduced FHA monthly MI premium and move from 5yr ARM ( originated with same lender about 12 months prior ) to a fixed product. The monthly savings are less than {$100.00} but the silver lining was ARM to Fixed. The day before closing I received the following e-mail : XXXXXXXX , Funds to close is $ XXXX escrow return is {$4400.00}. 
Sorry about the funds to close but the difference it is made up in the escrow return. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXOffice : XXXXTollFree : ( XXXX ) XXXX ext.XXXXFax : ( XXXX ) XXXXXXXXXXXXwww.usmortgage.com XXXX $ XXXX at closing to save less than {$100.00} per month is a lot but the promise of the escrow refund made it tolerable. 
A few weeks later the escrow check was received in the amount of {$2200.00} ... big difference. 
We closed XXXX/XXXX/15 and I have been going back and forth with the lender to figure out what happened for the past month and every contact ends with let me look into it and I 'll get back to you ... then nothing until I reach out again. 

We think we were misled and I ca n't say for sure but I do n't know if we would have gone forward with the transaction without the inducement of the {$4400.00} escrow refund. 

Do we have a legit complaint? 

Thanks again for your attention to this matter. Any guidance you can offer will be appreciated. I 'm sick of going back and forth with the lender and then being ignored. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I Am XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX -My SS # is *********** - DOB - XXXX XXXX -On XXXX, Paypal Notified me that they were TERMINATED MY DEBIT CARD FOR NO REASON, A VILATION OF COMAONY POLICY ( THERE IS NONE ) after 17 Years and I have paid XXXX in fees to them for processing my payments, I have NO UNSOVED DISPUTES AND THEY LISTED XXXX -all of which I refunded after I found out they were CONVITED CRIMINALS - COmoany Policy, I am a 10 Year XXXX XXXX and XXXX int he Texas Secreatry of XXXX - I also have a Texas Credit Organazation XXXX and XXXX Texas Insurance Licence XXXX XXXX XXXX Financial Analysist and CFPB- - My XXXX as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - It is my Tax Attorney Address XXXX Coffin Atty, XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - Pay Pal Tells me that they are going to HOLD MY XXXX for 6 Months - When I have done nothing but been a loyal Client and a Tax Payer - This is Fraud and the TExas Attorney General said it is DECETIVE TRADE, FRAUD AND THEFT - I have reported this to them and local police, XXXX XXXX POLICE DEPARTMENT, XXXX TX XXXX. My attorney tells me to see them immediately, for lost Income, Fraud and Deceptive trade. 
I demand my fund back and have given them 3 days to do so, they state in an email only that they will NOT until they please. Under Texas Law and Federal Law this is NOT A bank and I owe them nothing and have NO LIABILITY - I want my fund returned to my CORPRATION IMMEDIATELY - MY EN # IS XXXX, XXXX XXXX XXXX - I have copied XXXX people at Pay Pal and their Board of Directors -I ma seeking Criminal charges as well as civil charges - Please do your due diligence and return my funs as I am XXXX - I have reported this to all the News Channels, Written XXXX XXXX PERSONALLY and President Obama XXXX PAYPAL HAS XXXX of complaints and the CFPB IS LETTING THEM OPERATE - SEEMS to me We should be suing you -Please help me accomplich putting these people out of business -My Card # is **************** exp XX/XX/XXXXMy attorney is XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX : XXXX XXXX ) XXXX hard to beleive after 17 years they would hold XXXX and have a attitude like I have done something wrong - A XXXX man that the GOVERNMENT FINALLY APPROVED XXXX AND I TURNED DOWN - I lost my mom on XXXX XXXX, XX/XX/XXXX - and she told me NOT TO POAY THE GOV, keep all cash that there are nothing but crroks - She was XXXX, had XXXX Siblings - XXXX nephew is XXXX XXXX, XXXX XXXX, he states it is simple theft, Fraud and Deceptive Trade- SUE THEM and give them to the CFPB that he would call XXXX XXXX - the XXXX is XXXX XXXX, XXXX XXXX and US XXXX MAGISTRATE northern XXXX of Mississippi - XXXX - He too said he would call XXXX the Governor of Texas -. 

I await your reply and thank you -I have done work for the Affordable XXXX XXXX XXXX a consultant and its hard to belelive this could really happen -My XXXX XXXX XXXX TX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A settlement for a short sale with XXXX was made in XXXX/XXXX/2012. I received a form XXXX for the cancellation of debt ( Please see attached ). XXXX report my account as outstanding 2 months after settlement 

Company response: Company chooses not to provide a public response
Consumer complaint: I called Genesis Lending to discuss the forgiveness currently available for former XXXX Students. I was informed that my loan did n't qualify because I had an AFT loan. Upon further research, this loan is for teachers. I am not a teacher nor did I sign for this type of loan. I have been deceived in so many ways and time after time I am being held liable for a loan that was misrepresented to me. This issue needs to be resolved especially when I 'm repaying a loan I have no information on. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have a credit card through USAA and the Master Card payment can be done online. I made a payment and I was charged XXXX thus leaving me with a {$1900.00} and change credit which subsequently created an overdraft because I also have pulled {$6700.00} out to buy a truck. I have been speaking to several respresenatives XXXX, XXXX, XXXX, XXXX and a few others I can not remeber and still can not seem to get a hold of anyone who can give me a straight answer with realistic expectations. I 've ask to speak with management and was then transferred to USAA 's Executive Resolution Team who still couldn'y help. I asked to just speak with a manager and was told that was a 24 hour wait time, I suppose because at my point I 'm extremely irratated. I believe if USAA has the ability to accept an electronic payment or take money out of your account under their direct payment options, yet they claim they can not reverse the payment. So if an error is made regardless of the facts or situation, the customer will have to wait XXXX to 10 business days to be refunded the money. So fortunately I have savings, but what happens to the individual who gets this error and they do n't have money in the bank? {$1900.00} is many families two week take home pay check and USAA believes families can just skip a pay check! Worse during this process USAA has called " today '' and told me the card was compromised and has been locked so I can not even use the card to get the credit off the card. Lastly my bank charged me an over draft fee. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo sold my mortgage without me and my wife knowing it, I never received a servicing transfer notice, I began receiving letters from lawyers stating my home was up for foreclosure with XXXX XXXX XXXX, this is how we found out that our loan was transfered, I began seeking counsel, my home until today is up for foreclosure, My lawyer have petitioned sheriff sales and now found out that XXXX sold my home in a sheriff sale back to Wells Fargo, after it was petitioned but still was sending me foreclosure notices after the suppose to be sale date after I have been making several attempts to petition the sheriff sale, we spent several thousands of dollars paying lawyers. Wells fargo have not given us a chance to do a modification they are not out to help the lender, it has been 5 years and now they are telling me it is to late to save my home when I did not even know they sold it..unbelievable 

Company response: Company chooses not to provide a public response
Consumer complaint: i took a loan out from XXXX. i became unemployed we agreed to make XXXX installments bi-weekly. they than came back and offered me a XXXX installment with deferred until XXXX/XXXX/2015. i agreed but could not open the file to e-sign. i sent an email agreeing to the terms. and they took my XXXX but loan.me said because i did not sign they were going to take another XXXX out of my checking account. i ran down to the bank closed my accounts and reopened. this was a verbal agreement which was followed up by an email agreement. this agreement became binding at the point they took my 300.00 dollars. 

they constantly call me even after i have asked them not to. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX car loans through Automobile Acceptance.I am still paying for the Azera. But the loan for the Town and Country was almost paid in full when I needed the repairs done.I had paid the car loan down to approx {$600.00} and the car would be completely paid for.I had repairs done on my car in XX/XX/XXXX-XX/XX/XXXX. The cost was approx {$800.00}. I had the work done at XXXX. The vehicle loan is through Automobile Acceptance and XXXX works with them. You make your car payments, car repair bill, etc to them. 
I was told by AutoTune that I am to pay {$140.00} per month and there was no mention of interest on the repair bill. It should also be noted that this is the second time I have my car repaired and paid to Automobile Acceptance and there was n't any interest charged. The gentleman at XXXX never said anything about interest charged on the repair bill. Like I said this is the second time I have had my car repaired this way. 
After steadily getting all the calls regarding the repair bill I told them that my repair bill should be paid for by now. When I looked at the bill I saw that interest was being charged to the repair bill. 
When I went to them they combined the repair bill with the rest of the balance owed on the car. That 's when I discovered that I was being charged interest on the repair bill. 
I am submitting the payment history and a copy of the contract. 
Please help. I am on XXXX and my husband is the sole bread winner as I ca n't work. So our money is limited and we count every dime. It 's not fair that I am being charged interest on a repair bill. 
I am getting phone call after phone call regarding my payment for the repairs. I get calls XXXX-XXXX times per day. I informed the company that my bill is to be paid once per month. 
When I started paying I would pay every other Friday, to get the loan down, and I figured it was a good way to pay since I had to pay for the Azera and the Town and Country. 
Please look into this matter and help me please. Thank you in advanceXXXX XXXX XXXX XXXX XXXXThis will be the XXXX car loan I 've had with them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: THIS IS NOT A CHARGE DISPUTE. IT IS ABOUT TAKING THE CHARGE OFF FROM MY CREDIT HISTORY. 
I held a Bank of America Credit card. My credit card was stolen around XX/XX/XXXX and there were fraudulent charges on my card. I noticed this when I received the statement and launched a complaint with Bank of America ( BOFA ) and disputed the transactions. BOFA froze my online credit card account and reversed the fraudulent. As a result I was unable to see any outstanding bills on my account. There was a genuine {$40.00} XXXX clipper card fee that was outstanding on the bill. As my account was XXXX, I was unable to see any outstanding payments on my account and the amount was sent to collections. I made the payment as soon as I received the statement from collections, However, this impacted my credit history. I called BOFA in early XX/XX/XXXX to take the late payment charge off my credit history and called back in XX/XX/XXXX to follow up. I was assured by BOFA that the charge was taken off from my credit history. I applied for refinancing my current mortgage and was told that the late payment impact is still being in reflected and my credit score has been impacted. As a result, I was declined the loan that I tried to refinance. BOFA promised that the charge has been taken off my account and it takes XXXX days to reflect on the credit card. I spoke to BOFA exec throught chat on XXXX and XXXX. I was assured that a customer service exec would contact me with the status. No calls. I tried calling them today on XXXX narrated the whole story and was then transferred to another department and then the call dropped. I tried again after being transferred to billing dispute department, fraud department and several other departments, I was told that the charge will not be taken off from my credit history and that I should take it up with the XXXX. My questions : 1 ) Why was I not told this when I followed up with them in XXXX, then in XXXX, and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: A company called " Credit Collection Services '' and " XXXX '' have sent another letter concerning a debt for XXXX XXXX XXXX of {$25.00} to XXXX XXXX XXXX who does not live at this address and also, is not even the correct middle name. The middle name is that of my mother who died over XXXX years ago. I have filed a complaint in the past for this same company and this is another continued attempt at fraud. I checked multiple website and every single site says the same thing " fraudulent. '' I contacted the company and spoke with a " XXXX XXXX ( not sure on spelling ) '' or " XXXX XXXX or XXXX '' she gave multiple names which made the call even more suspicious. I was intrigued by this and asked if she had any more aliases she went by. She stated no. I informed them I was filing a complaint. I also contacted XXXX and informed them of the situation providing them with the File Number and PIN number on the document. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: A new vulturous collection agency named XXXX XXXX XXXX is reporting on my credit in the amount of {$990.00}. This account has been removed from my account over and over and then reappears under a different name each time in which Experian has not been able to verify and all have been removed. However, it is reporting again. This has got to stop!! This is an invasion of my good credit and has been going on for over 7 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: An inquiry was made on my credit earlier today from a XXXX Customer Service on Experian. I am an XXXX and have been driving all day from XXXX to XXXX. There was no way whatsoever while I was driving did I authorize any company or organization to place an inquiry on my credit. I have proof from my XXXX that I have been driving all day long and there is no possible way on this earth I would have spoke to anyone or signed anything while driving. I called Experien and they are rude and could care less that I have the proof of XXXX. Therefore I am reporting Experian to the CFPB to investigate this potential identify fraud ; in which Experian is not following the laws. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I have a personal loan through one main financial. I have insurance on my loan, if I am out of work the insurance will make the payments so I do n't get behind in my loan payments. I was out of work on XXXX. I contacted one main financial to let them know I was out of work, so they could submit a claim. one main contacted me to set up the paperwork needed to submit the claim. as the claim was processed, a member of the company contacted me. he left a XXXX minute message on my phone. the message that left was very inappropriate. message stated was the gentleman on the phone started of by sounding XXXX and saying " hey I love XXXX, I love big XXXX, I could play with an suck on big XXXX for hours. Then talking about movies, Grandmas boy. XXXX year old XXXX, with co workers in the office. then he said they were XXXX while watching these movies. message ended. I then contacted the district manager stating my complaint, he said that he would look into it. I felt that he blew our conversation off. nothing was done. 

Company response: Company chooses not to provide a public response
Consumer complaint: Was in XXXX XXXX XXXX XXXX in XX/XX/XXXX. Hospital has 3rd-party billing company - XXXX ( AKA XXXX ' ). XXXX & I have had ongoing billing issues thru XX/XX/XXXX, due to my 'overpayment ' of bill ( which should 've been 'zeroed out ' due to my insurance/their billing mistakes ). Have received XXXX ( XXXX ) refund checks from local state facility ( no address avail via XXXX, but have local # AND XXXX # ). 3 months had passed, as of this week ( opened mail XX/XX/XXXX, no datemark on XXXX envelope, just XXXX 's return city/state of XXXX, Tennessee ) with Bank of America 's debit card ( aka 'BofA ' ) attached to default debit card form, only referencing XXXX logo up top of form, reference in bottom right says, card value : {$100.00}, XXXX XXXX XXXX XXXX along with included bank facts of how private information can be shared. Never authorized 3rd-party billing to 'volunteer ' my private information ( including my SSN, which is referenced in bank doc ), nor agreed to it in hospital documentation. Contacted XXXX via XXXX #, asked for supervisor, got XXXX XXXX, rude, interrupted my statements of HIPPA violation reasons & that I 'd previously gotten refund checks, by saying it was NOT HIPPA violation, that it was 'new ' policy ( my summation is that I wo n't be the only individual dealing with this HIPPA violation ). I interrupted her to get her full name, told her I would be reporting her for HIPPA violation and hung up. Tried calling my bank to see what options I had, no one available to help, decided to call local state XXXX #, spoke to XXXX XXXX. Am uncertain whether she 's aware of other office 's ( corporate? ) policy, BUT was extremely pleasant and helpful, said she 'd follow up with me 24/48 hours later via email, repeated back to me my requests : 1, to have my private info removed from BofA ; 2, that I get a refund CHECK from XXXX ; 3, that BofA credit card made void. 

Company response: Company chooses not to provide a public response
Consumer complaint: for a while i was being billed monthly charges from Bank of america. I addressed these charges and they were waived as i was told that i needed a direct deposit totaling a minimum of $ 250/month. So i started directly depositing {$120.00} from each payroll check that totaled $ 250/month. I received another charge last month and called in to BOA. I was told that i was misinformed and that it is supposed to be $ 25/pay period/deposit. So, again, i revised my contributions to $ 250/pay period to meet their requirements even thought i was misinformed. I called in today about the charge and was informed that i am out of luck and that they have already refunded charges before. That was not at my request but at a branch managers decision to retain me as a customer as i was there to close out my account. Regardless, i was told XXXX thing to avoid the monthly fees and i did exactly what the representative stated. Then i was charged again, so i switched again and was informed that i may get another charge and to just call in. I spoke with XXXX at BOA in their California call center who was polite but refused to assists. I cant help but have concern for myself and others in regard to receiving incorrect information from BOA and then turning around and charging customers for their under-advised reps. I would like for my account to be credited the monthly maint fee as i did what they asked every time. I would be open to a class action suit to see if others were experiencing this bad business practice. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was late paying my property taxes. the county notified bank of america.Bank of america paidthe taxes by setting up an ascrow account causing my monthly mortgae payment to increase. subsequintly the county notfied Bank of America that I had indeed payed the taxes albeit late and refunded BofA. I asked BofA to remove the escrow account that is noe included in my mortgage payment. I explained that I am on a fixed income and can not afford the payment increas BofA refuse remove the escrow account 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a threatening " time sensative '' letter from Bank of America on XXXX/XXXXXX/XX/2015. The notice was in regards to a Partial XXXX XXXX they 're servicing on behalf of HUD. I was to sign these documents along side a notary and return them to Bank of America. Bank of America told me to contact them and they will send a notary to me. I comtacted them XXXX times, and no one could help me because my SPOC was never and has never been available. I even scheduled a time for someone to call me and they called on the wrong day and time. I am a single mom and am trying to do everything possible to save my home. I feel as if Bank of America is pushing me into foreclosure on purpose. I do n't even know what my SPOC sounds like because he has not XXXX contacted me. The craziest part of it all is that if your SPOC is n't available, their policy is that NO ONE else can assist you. How do they expect a customer to know anything if your SINGLE POINT OF CONTACT does NOTHING to contact you and help you save your home. 

Company response: Company chooses not to provide a public response