AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I joined the Bank of America for the sole purpose of a good rate of return from an inherentance i received, when i enquired it the BoA to open an account i was given a choice of a standard account which i feel suited my needs, at the time i was go through redundency from my job so i used {$5.00} to open the account after i transfered the money a few days had past i received nothing from the BoA to confirm the account set up so i emailed them to inqire what the hold up was after a day i received mail back from XXXX XXXX XXXX my account officer the standard account was no longer available and that i would need to take a more expensive account the Premium account at XXXX i had most of that but needed help so i called a friend of long knowing who lives in XXXX XXXX to assist me she agrreed to help with my account and did so, my money nearly XXXX usd was transferd in to my new account within 24 hours, after a few day i received mail telling me i could strat to transfer money to other accounts or my own here in the XXXX ( i am XXXX living in XXXX ) when i set the amount to transfer it would not transfer the funds i requested stating some thing about a cost of transfer fee, i emailed XXXX XXXX again and he told me that i needde to pay {$42.00} transfer fee to transfer money, why was i not informed about this why was i not informed about the Standard account being canceled why was things not explained to me? and why on Friday or Tuesday being it the XXXX break is my money being confinscated? and the account closed why can i not have money used to pay for this Cost of Transfer fee i just do not under stand why i can not have more time or why can the bank not alouw me to pay for the CoT out of my inhernance that they have in my bank account if you would please look into this as i feel it is unfair and to myself i feel as if i am being cheated of some thing i never know would come my way, and that i now have no money to pay my debts and have used all my redundancy payment just to oipen this account my friend also has paid {$37.00} towards the CoT she is tring to raise more but is finding things a little hard right now, so i feel this Bank of America has now put XXXX people deeper into debt, my self and my dear friend, so please help me with this matter my email address is XXXXXXXXXXXX XXXX if you need my BoA account number this i will provide on request, the account is in my full name XXXX XXXX XXXX XXXX, thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am a XXXX NMLS # XXXX - XXXX XXXX - I have been working with XXXX XXXX to secure a reverse mortgage for him. He has a Georgia XXXX XXXX loan that is a year old. There was not enough money to pay it off - so in XXXX I asked them if they would subordinate - they said they would. I proceeded to have XXXX XXXX pay for an appraisal & we are moving to close the loan & now they are saying they will not subordinate. That is not ethical - I need your help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am going thru a divorce and my estranged husband is supposed to make the house payments until I take over XXXX XXXX, per our agreement. He is not making the payments on time, therefore, creating several dollars in late fees. I am receiving phone calls every day, every two hours, several times on weekends. I have explained the situation, going thru divorce so on and so forth. This is very stressful for me and it has got to stop! I understand the payments need to be made, but per the order he is to pay the payment. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: First off I did not receive disclosure XXXX days prior to closing neither did seller. Then at closing my disclosure numbers were different from sellers. I thought the figures should be the same. We did not see this until a few days after closing in meeting with sellers. They deducted {$4800.00} from sellers check that was a deposit already taken of top of loan. Also sellers copy of disclosure date issued XXXX and it is a faxed copy which I did not see at closing. The date issued on my disclosure is XXXX so why were these numbers not on my disclosure and mine is a original and not a fax. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I C SYSTEMS COLLECTIONS # XXXXI believe under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from MEDICAL-XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to { name of provider } for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter-sent certified mail as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will respond by certified Mail. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Repeated calls, a lot outside of XXXX - XXXX. They use abusive language, and threatened to take legal action. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have disputed with transunion about accounts that did not belong to me and asked for an investigation. The investigation took over 30 days to complete and the results were the same which suggests that the investigation was incomplete. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Loan Servicer ( Green Tree, Ditech ) ruining my credit, deformation of character, false statements, lack of ability to provide documents, lack of proof of payments made, and poor and rude customer service. 
Original Loan Number XXXX Loan Type 2yr Interest Only Adjustable Rate LIBOR mortgage Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Hi XXXX The current mortgage note servicer is servicing a loan for XXXX or XXXX XXXX XXXX. The servicer was originally XXXX then XXXX and now Green Tree Aka DiTech. The " NOTE '' or ARM they claim to be collecting on was never signed by me and is not filed along with the other note and documents in the bureau of convenience in the State of Hawaii. It says I signed it the same day of my Securities Instrument which was said to be signed on XX/XX/XXXX. I signed all my documents on XX/XX/XXXX in front of a notary. It is very suspicious that the note that they claim is reason for them collection has no date next to my signature and is missing some of the J and the K is signed not like mine as it never touched mine touches 99 % of the time in the middle. Further this is now said to be held in Asset Back Securities which XXXX just got sued over by XXXX ( cert holder for my note ). Read here XXXX. Further XXXX is said to be the mortgagee of the note and only legal title to property. The sent me a truth in lending document signed by me supposedly showing a loan amount borrowed of XXXX and my mortgage document says XXXX which again is odd and shows poor truth in lending. To add to it the Notary and Loan officer at XXXX in XXXX XXXX Hawaii where or are husband and wife and there is allegations of him using her notary to falsify documents.These documents Ditech is claiming to have that allow them to collect or try to collect this debt are fraudulent, represent nothing, and hold no value to their claim to collect a debt. They have no idea even who the mortgagee is, the ability to provide proof if paid in full of turning ownership over, no grounds for collecting this debt, failure to diligently provide and prove that this is in fact a valid debt. I have tried time and time again to iterate this to them and it has failed. I am settling this matter with XXXX regarding the loan this Weds. XXXX/XXXX/XXXX and it has been once dismissed without prejudice in Hawaii District Court and has been further quitclaim by the condo association. Until these numb nut DiTech collecting company can provide adequate verification of debt, writing from mortgagee ( signed stamped notarized ) that in fact if I pay this debt off I have sole ownership and no futher legal issues. Proper documentation of servicer company, mortgagee note holder, and the bank that is certifying the asset backed notes. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This account is reporting on my file and at no time have I received the documents that prove ownership neither from this company or from Experian, which I already submitted a complaint about. I have disputed this 3 times and they did not include the notice of dispute on my credit report which is in violation of section 807 ( 8 ) of the FDCPA as well as section 623 ( a ) ( 3 ) of the FCRA. I will either be suing them for up to {$1000.00} in small claims court or they must permanently remove this unverified item from my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Due to a subprime loan by Countrywide/Bank of America, I lost my home on XXXX XXXX in XXXX XXXX in XX/XX/XXXX in a foreclousure sale. Bank of America Foreclosed on my home in XX/XX/XXXX, and no other activity occured on said account since. Bank of America reported to their collection company a wrongful activity date of XX/XX/XXXX. This is on my credit report with XXXX and XXXX and must be removed immediately. The last activity on this account was the foreclosure in " XX/XX/XXXX ''. I have submitted several letters of Dispute and calls to both XXXX XXXX XXXX, and to Bank of America to no avail. I need help having them remove this from my credit reports since " XX/XX/XXXX ''. 
I have attached some letters of dispute I have sent to them. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I did use payment system from my banks to pay for my credit at XXXX, then my banks show they delivery check to the XXXX on XXXX/XXXX/XXXX 2 days before my due then on my new statement the company charge me XXXX dollars for late fee this not the first time they did that and they keep do that since XXXX and every month they did that, I call them and they wait for this month but nexth month they go up the charge almost double money. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Netspend has caused me several issues. First I filed a transaction dispute. I informed them I had the card in my possession, and they failed to inform me that the card was being locked ( and also did not do anything to assist in the provision of a new card ). After the card not working on a purchase the same evening I called them the next day. After reviewing my account, and myself telling them about the dispute, they told me to use the old card at an ATM. Only after that failed as well did they tell me that the card had been disabled. They were only willing to waive a XXXX fee to send a card in 7-10 business days even though they mislead me, and failed to offer a new card ( I asked that it be expedited ; 3-5 business days ; with any fees waived. They refused, and said to get it expedited I had to pay XXXX ). 
After receiving the new card everything was fine until the date of this complaint. I was enrolled in their XXXX to keep from having fees every time I used the card. I found XXXX total fees, and that the plan was no longer set on my account. I called to have the reset the plan, and told them that I needed those fees reversed due to the fact that I never cancelled the plan. They returned XXXX of the fees. After calling them again they refused to return any further fees quoting that the plan " had expired ''. There was no indicator anywhere of any expiration. 
Anytime I have asked for a supervisor they would attempt to refuse me. I have to literally yell at them to stop talking and get a supervisor at which point I am put on hold for an average of 15-20 minutes. Any supervisor I have spoken to has refused any request I made quoting " we do n't have access in the system to do that ''. Once I asked for someone above the Customer Service Supervisor. I was flat out denied access to anyone further. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The bank is reporting past due and this was paid in full and subsequently XXXX Bank was taken over by Union Bank. This is still on my credit report reflecting past due when in fact it is PAID IN FULL and should be reported as such. 

Company response: Company chooses not to provide a public response
Consumer complaint: There are many items listed that are past the statute of limitations, I have disputed all of them and yet no one is assisting me. These items listed have been re aged which is against the law. Please help 

Company response: Company chooses not to provide a public response
Consumer complaint: About 3 years ago, I started my own XXXX and opened up a BOA business account along with a credit card merchant service. When I signed up the contract with the bank agent, the guy told me that I can cancel the credit card merchant service any time I want without any penalty. Things have been going smoothly until I closed my business 6 month ago, when the BOA collection department started sending me letter and had me pay them {$540.00}. I understand that I am responsible for the {$44.00} as it is the service fee for the last six months, but I have no idea why they ask me to pay the {$500.00}. After getting the first letter from them, my son called them immediately in an attempt to figure out where the {$500.00} came from. The representative said that the {$500.00} is something called " Early Termination Fee '' which I should take care of it as my XXXX shut down before the contract is over. I was extremely frustrated because the bank agent did not mention anything about the " Early Termination Fee '' in the beginning, she kept telling that I was able to cancel the service freely. My son had negotiated with the collection department and customer service for a long time, and finally they agreed to escalated my case to their management level to see whether they can waive the {$500.00}. Two weeks later, my son got a phone call from a lady whose name is XXXX XXXX I believe ( her phone number is XXXX ), she told us that we no longer need to pay the {$500.00}. I was glad that they waived the {$500.00} at the end, but when I called back the collection department to double check, they still told me I own them {$500.00}. Then my son tried to get in touch with XXXX XXXX, Customer Service, and Collection department to figure out what 's going on here. Customer Service and XXXX XXXX said I do not own them {$500.00}, but the collection department kept sending me letter for the {$500.00}. I am really lost now. It takes long time to get through their phone tree and waiting time, so I decide to lodge a complain here and ask for help. I feel that they treated me in a very unprofessional manner, and the {$500.00} Early Termination Fee is really a fraud, it 's like they rob money from me violently. I want the collection department to give me a fair explanation and apologize to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: the following accounts were disputed over 30 days ago and were not either validated or investigated fully. the receipt of the initial investigations are attached. the following accounts should be deleted from my credit file for non-compliance. 
XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX keep sending me letters, saying I owe them money for ( Cash America ) I do not owe them anything, and do n't even know who they are! Oh, and they ca n't provide me with any information I request and then hang up!! They are trying to scam me and other people, making them believe they owe money! 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have always paid my bills on time. In XXXX, however, my business suffered a severe financial crisis and had to declare chapter XXXX. My HELOC was discharged but we wanted to keep the house and so since then I have been working very hard day and night and have been paying my bills on time. I voluntarily caught up the payments on my HELOC in XXXX and then it was sold to a serving company who resold it to SLS. I have continued making on time voluntary interest payments for the past 5 years and have never missed a payment or been late. In XXXX XXXX the HELOC reaches 10 years and I will owe {$730000.00} balloon payment. There was a clause in the original contract that they have the option to refinance. 

I called SLS XX/XX/XXXX to ask them if I could refinance in good time so that we do n't wait to the last minute and have any problems as I can afford the monthly payments, but not a lump sum of {$730000.00}. The person who answered seemed very unknowledgeable and incompetent and said because it was discharged I could not refinance. ( But it was discharged and they have happily taken my voluntary interest payments ). I was told to write a letter with my request and they would get back to me in 5 days. I have faxed the letter and mailed it and they are ignoring me. 

I am feeling like they are loan sharks who took over the loan, and have been taking my interest payment money while waiting for the balloon payment to come due, and then instead of working with me to try and extend the loan or refinance the loan, they are just waiting to pounce on it and take it from me as soon as the balloon payment date arrives. 

We are trying to refinance through other banks and this could very well happen, but just in case it does n't, I need to keep all options open, and I wish they would cooperate with me, be reasonable and discuss our options, so we can get this taken care of in good time. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Trans Union reports my employer as XXXX XXXX. I have never even HEARD of this company. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do not receive statements/bills or any other documents from SallieMae. This has been going on for a year and is still not fixed. My XXXX 2016 statement was not even sent or generated on my account in a PDF for me to view, so my payment was late. I 've called numerous times and the customer service people just ask questions, procedure I get it, but after that tell me everything looks fine. I 've changed how I receive information to paper form and that has not helped, in fact XXXX 2016 should have been the first paper form and as I said, that was never sent. The representatives become rude when I get upset and it seems that they no longer want to help me. They just tell me to pay my bill, even though my date was changed with my XXXX loan and I was not notified. My tax for went to my co-signor instead of me which I was told should not happen. I should receive statements, no questions asked. I was not charged late fees, but am still upset. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter yesterday, claiming from me {$92.00}. The name of the collection agency is IC System. The name of the creditor is XXXX. 
I called XXXX the day after wich is today, I spoke with XXXX XXXX, and he confirmed to me that my balance is {$0.00} since XXXX/XXXX/XXXX. 
Aproximetelly 20 days ago I filled another similar complaint with the same claiming amount, but with other collection agency name 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a credit card through the retail store Best Buy that I made a purchase on with 12 months deferred interest on my purchase. Payment was due XXXX XXXX in full or I would be charged the deferred interest charge. I did not get payed by my job and called to ask to have the due date extended, to avoid the charge and pay it off in full when I got paid. I was assured this would work, but the due date came and I was assessed a late fee. After this I contacted them again and was assured there would be no problems as long as I paid off the full amount within 6 days of the original due date, so I found the funds and paid it off the very day after speaking with them again. Then today I wake up, the deferred interest charges are now on my account, and they tell me that there is no way to remove them even though I was assured they would n't be charged in the first place. I took screenshots of the final chat I had with this company, and am just looking for advice on how to proceed seeing as they are unwilling to work with me anymore after lying to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I. C. System Inc. reported a collection on my file for {$120.00} charge from XXXX XXXX. When I was contacted by them in Decemeber I told them that my insurance company covered the charged and I was not sure why they where calling me. I even offered to pay the debt if they could show me where I owed the debt. I have not be contacted since. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Credit Bureaus XXXX and XXXX are reporting wrongfully. This is detramental to my credit. The Account Status they both are reporting as activity date of XX/XX/XXXX is incorrect. The Activity date was XX/XX/XXXX when the foreclosure took place on my home in XXXX Calif. No activity happened after that. The correct Activity Date should reflect XX/XX/XXXX. 
I have Disputed this with them several times per phone and XXXX, to no avail. XXXX XXXX XXXX is reporting to them the wrong activity date. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response