AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The location of Bank of America at XXXX XXXX XXXX XXXX XXXX Fl has employees that are giving out my financial information including account numbers and an actual printout of my mortgage status to a person pretending to be co-owner of my house and who is actually the tenant. He was able to secure my account number and financial status on my mortgage loan from employees at this bank who he claims are his friends. He also claims to have bank friends at the XXXX XXXX in XXXX XXXX FL and has secured additional information on my loan from them. Both of these branches need to be investigated immediately and held accountable for disclosing my personal financial information to a stranger that walks into the bank claiming he is friends with the bank employees. 

Company response: Company chooses not to provide a public response
Consumer complaint: Homeowners was granted a HAMP modification by GreenTree, but his XXXX statement reflects an amount that is $ XXXX/month more than the Total Monthly Payment amount listed on the HAMP modification. We called GreenTree to inquire into the discrepancy, but they told us the loan had been transferred to XXXX, and we must therefore ask them. When we contacted XXXX, they told us to ask GreenTree, as they would n't be able to answer that for us. I contacted GreenTree again, and was once again told that I needed to talk to XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a Banamex USA credit card. I recently called the company to complain about my credit card strip not working. In addition, I also spoke about difficulty with my pin not working. I was mailed a new card but I am unable to use it. I 've called the company numerous times during regular business hours and I get a recording that tells me to call back during business hours. My concern is that they are unresponsive and they have access to my bank account information ( monthly payments ). I 've called and I 've emailed Banamex USA ; I do n't know what to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: Account was placed on Forbearance Plan and was told that it wouldnt report as late payment on credit report, but that a statement would be added. 
Mortgage account # XXXX. During the months of XXXX and XXXX 2015, my account was placed on a forbearance plan, in which XXXX payments were made on time. As of the end of XXXX, I called to cancel the plan and all previous past due amounts were paid immediately. Also looking at my credit report I noticed that late payment negatives were placed on my report for this mortgage account showing 31-60 days late. This is incorrect because I was told by the home preservation agent and via Wells Fargo site that it would not report late payments, that instead it would list on my report that the account was setup in a forbearance plan. When I saw this on my report, I disputed the late payments and asked that it be corrected. To date this was not done, and it is still reporting late for 2 months. 
This is unacceptable due to the fact that this was not clearly explained, especially the fact that it would go reported late being that this was an assistance plan. Had this been clearly explained, I probably would have tried other options. 
his does not address the issue that I have about reporting as late. Nowhere does it mention this, and no one mentioned to me that payments would be reported late. This company is nothing but a fraudulent company. They are not here to help, they are here to XXXX with people and attempt to take their homes. I read the reviews of their forbearance plan, and I wish I would have read them earlier. Nothing but bad reviews from customers due to lack of information and not clearly explaining things to their customers. As a result they have forced people into for closure and XXXX with people 's credit like they did with mine. I ca n't wait to refinance and geT away from this scam company. I do n't want nothing to do with Wells Fargo. I had perfect credit until they came and XXXX with me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I TOOK OUT A PERSONAL LOAN WITH MY BANK ( WELLSFARGO ) AND CAN NOT PAY I AM WORKING WITH A COMPANY TO PAY DOWN MY DEBT NOW MY BANK HAS FORCED A PAYMENT AND OVERDREW MY ACCOUNT WITHOUT ANY KNOWLEDGE OF THE PENDING DEBT OCCURRING, I FOUND OUT BY LOOKING AT MY BANK STATEMENT AND THEY HAD TAKEN A SUM OUT, I CALLED CUSTOMER SERVICE TO REPORT IT AS FRAUD, SINCE I HAD NO KNOWLEDGE NOR ANY WARNING OF THE TRANSACTION AND WAS GIVEN A CLAIM NUMBER AND A BLOW OFF GOOD BYE, ESSENTIALLY I WAS LIED TO THAT THEY WERE SENDING THE CLAIM TO THE CLAIMS DEPARTMENT WHICH I DOUBT. AND I HAVE BEEN WITH THE COMPANY SINCE 1999. I CAN NOT EVEN CHECK THAT THE MONEY WENT TO THE LOAN SINCE THEY HAVE TAKEN IT OFF MY ONLINE ACCOUNT SO I REALLY DONT KNOW WHERE THE XXXX WENT EITHER. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a late payment on my credit report from Bloomingdales for XXXX 2015, that should not be there. I made a payment on my Bloomingdales credit card for that month and it was n't processed. There website is very confusing when it comes to making payments and I 'm not sure why it was n't processed. I have noticed when I make payments online via their website it can sometimes take up to a week before it will show up. Also, it is almost impossible to find payment history on their website. I contacted Bloomingdales customer service on the evening of XXXX/XXXX/2015 to request help in fixing this. The representative, as well as the supervisor I spoke with were extremely rude and offered me no help. I do not feel as if I should have a late payment showing on my credit file because their website is confusing and did n't process my payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: Without my permission, Wells Fargo took money from my bank account to pay for a new purchase on my Wells Fargo Credit Card. I did not authorize a new payment schedule for this new purchase and Wells Fargo took it upon themselves to draft money from my bank account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received a line of credit of {$1500.00} from cashnet USA. They was charging interest on my account everyday until it got up til {$1900.00}. My first payment of almost {$200.00} did n't go towards non of the loan. My next payment of {$280.00}, they charge {$160.00} in interest the rest towards my principles. They take {$290.00} out of my account every XXXX weeks. So they are charging extra interest towards this loan. My balance as of today is {$1700.00}. If I make the payments accordingly to how they are taking the money out of my account, I will pay them over {$3000.00} for a {$1500.00} advance credit loan. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have reached out to BOA, because the information they are reporting on my credit file is not correct. I reached out to BOA on several occasions to get the correct information on my credit file, but they keep reporting incorrect information. I have emailed the company, certified mail, and challenged per my credit file, but BOA has not updated my credit information with the correct info. 
I have already spoken with your office about this account several time per the FCRA it is well over the XXXX days response time to respond to my request. It actually been over a year I have been trying to get bank of america 's derogatory information off of my credit file. BOA is in violation of multiple FCRA violations by knowing continuing to report erroneous and false information that I have asked numerous time to be validated which it was not. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX. I disputing my students loans. XXXX XXXX has been sending missed payment with reports to my credit for the past couple years. This is frustrating because I am currently in school. My contract them is i 'm not obligated to pay until 6 months after graduation. I contact them and they stated that sometimes it 's paper work error between school and Fedloan services. They keep telling me it 's an error but I am still seeing missed payments on my credit report. How to I get those removed? 

Company response: Company chooses not to provide a public response
Consumer complaint: I made XXXX mortgage payment electronically from my XXXX XXXX account to Homebridge financial on XX/XX/XXXX and XX/XX/XXXX. The mortgage company only credited my account for 1 payment. I have been followed up on this matter a few days but the company kept giving me a runaround and neither credit my account nor refund my money. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: On XXXX XXXX I submitted an application for a mortgage with Bank of America. Their loan officer, XXXX XXXX XXXX XXXX, collected an application fee from me ( among other fees ) and assured me we could close in " 30 to 45 days ''. It has since been 95 days and BofA has still not come to a credit decision. XXXX XXXX has made assurances to me on countless occasions that a final credit decision is eminent, but each time the bank fails to follow through. He has stated repeatedly that the underwriter is " ready to give final approval '' and that my file " meets the guidelines '' for this loan product. 

Requests for paperwork have been few and far between, but in each case, I have responded in less than 24 hours. BofA simply refuses to come to a credit decision or provide any reasonable explanation for why they refuse to do so. Complaints to managers within XXXX 's office have simply yielded more false promises, " This week, '' " Next week. '' " By XXXX today, '' " By XXXX tomorrow ''. Each time, the new deadline comes and goes without any explanation. Now 95 days into this process, I have a growing concern that BofA simply does not with to honor the rate lock they offered me at the beginning of this process, which is now substantially under market. 

Thank you for any assistance you can provide on this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a credit card account with Bank of America for the purpose of a balance transfer promotion. This balance transfer promotion is until XX/XX/XXXX. I called Bank of America to see if I could add additional purchases and if they would be covered under the 0 % apr. I was informed that they would be. I made a purchase and on my next billing cycle was charged interest. I called Bank of America again, to see why this happened. The representative informed me that my new purchase was NOT covered under the 0 % apr and to avoid further interest charges, I would need to pay off the new purchase amount in full. I did this. I received my next statement with even a larger interest charge and again called Bank of America. This time I was informed by both a representative and supervisor that my payment was only partially applied to my higher rate purchase and the rest was applied to my balance transfer of 0 % interest. The supervisor told me there was nothing she could do except reimbursement this once for the interest charge. Through my research and what I have read about the Credit Card ACT of XX/XX/XXXX, this company is not abiding by this legislation. I was misinformed on XXXX separate occasions by the same company. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage is with XXXX i just got it XXXX months ago and they used an assumption to set my escrow based on what they thought my property taxes would be. Well they thought they would be {$1900.00} a year roughly and they are actually {$8.00} big difference. I have emailed and called XXXX times over the last XXXX months to get a refund for overpayment and get my escrow payment adjusted as i should not have to be overpaying it and them keeping my money. I keep getting told it will be handled and no one ever handles it. i call back and they submit a new request and still nothing. I am yet to get an email or a call back or a letter about adjusting my escrow payment and getting me a refund for the over payment I have made. 

Company response: Company chooses not to provide a public response
Consumer complaint: Good day! I have a public record on my credit report from 2008 concerning XXXX XXXX XXXX that I believe should be deleted based the statue of limitations. I have paid the debt and it should not still be on file since it is now 7 years. Please assist me inn this issue, if at all possible. Thank you ... 

Company response: Company chooses not to provide a public response
Consumer complaint: Incorrect information is being reported on my credit report, all medical information is private and reporting my medical information is against my HIPPA rights and is a direct violation of such. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, my wife and I met with a Bank of America mortgage loan officer to apply for a refinance our house. We were told that would not be a problem. The following day I brought all documents requested. After placing several phone call to find out the status I called the branch 's general manager, she called the loan officer 's manager and the following day the mortgage loan officer called me XXXX XXXX XXXX ) to tell me that I was XXXX or XXXX payments late in the last 24 months. When we met with him to formalized the application that should not be a problem to obtain the refinance, he asked us if we have been late in our mortgage one month in the last 12 months, the answer was no, then a day latter he requested banks statements for the last 24 months and the he said that in our credit report shows that we were late XXXX or XXXX payments late that would be very difficult to obtain the refinance but that he has someone else who can help us. Also the mortgage officer mentioned that he met with the underwriter and now via e-mail his manager is saying that the my application has not been submitted and if I want them to do so, i need to come up with {$450.00} for the appraisal of the house. I have request in multiple occasions to be provided with a letter stating the reason ( s ) of the denied, all my documents back and a copy of the application and also a copy of our credit report and to this day I have nothing. Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo received an entire loan modification on XXXX XXXX, 2015. As of today XXXX XXXX, 2015 Wells Fargo Bank still has a Foreclosure Sale Date for XXXX XXXX, 2015. We spoke with XXXX XXXX of Wells Fargo Bank on XXXX XXXX, 2015 who verified that Wells Fargo hadreceived the documents on XXXX XXXX, 2015, XXXX XXXX stated that Wells Fargo tried to contact the borrower XXXX on the wrong telephone number ( XXXX ) XXXX, despite having the correct telephone on the RMA and the authorization submitted ( XXXX ) XXXX XXXX. 
Wells Fargo is stating that XXXX items were missing from the submission, however, they have never identified what those XXXX items were. When asked did a letter go out, XXXX XXXX says a letter went out on the XXXX of XXXX 2015. However, when speaking to XXXX XXXX of the office of the President he says no letter went out. Therefore, Wells Fargo chose to ignore the submission for the purposes of foreclosing on the borrower, otherwise they would have contacted the XXXX party or the correct number on the RMA which is a legaldocument. 

Company response: Company chooses not to provide a public response
Consumer complaint: Collection company is calling me, asking very personal questions.Kept me on the phone for XXXX minutes asking personal details of my finances. They looked at my credit report without asking me. And they also called my family members. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Credit Bureaus are reporting that my monthly payment for XXXX of my student loans are above $ XXXX when in fact it is only {$290.00} for all XXXX consolidated loans. This is throwing my debt to income ratio off. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am not happy with Green Tree. We have a loan and have paid it perfect. For the last ten years we paid them through our bill pay at our bank. Now, for the payoff and last payment they will not take that method of payment. Their response is " You HAVE to send a wire transfer or check by mail. '' I 'm XXXX and it 's difficult for me to go to the bank. They say it 's because the payment needs to be transferred through a different location. I tell them that 's their problem as it 's internal. I want to make my payment in good faith. They refuse my payment and give me no help at all. I use my bill pay or my debit to pay them usually. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter from First National Collection Bureau , Inc. ( creditor " XXXX XXXX XXXX XXXX, XXXX '' ) representing that I owe a debt to XXXX XXXX. I called FNCB, and a representative said it was a XXXX that I had opened in XX/XX/XXXX and closed in XX/XX/XXXX. I never opened a XXXX in XX/XX/XXXX, nor does such an item appear on any of my credit reports. When I contacted XXXX XXXX, they represented that, not only do they not recognize the account number included on the FNCB letter, but I never had an account with them, and further, that they only carry XXXX, not XXXX, and thus the debt could never have existed. 

I would like to note that, when I told the representative from FNCB that I dispute the claim, he asked what exactly I was disputing, and I told him that I disputed that the debt ever existed, and their representative said he would report it to the original creditor ( which is obviously impossible since the original creditor has no knowledge of said debt ). I doubt, therefore, that the employees of the company know that they are fraudulently attempting to collect on nonexistent debt ( s ). 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I received a letter from XXXX XXXX XXXX XXXX , XXXX ( creditor " XXXX XXXX XXXX XXXX, XXXX '' ) representing that I owe a debt to Continental Finance. I called XXXX, and a representative said it was a Visa that I had opened XX/XX/XXXX and closed XX/XX/XXXX. I never opened a Visa XX/XX/XXXX, nor does such an item appear on any of my credit reports. When I contacted Continental Finance, they represented that, not only do they not recognize the account number included on the FNCB letter, but I never had an account with them, and further, that they only carry MasterCard, not Visa, and thus the debt could never have existed. 

I would like to note that, when I told the representative from FNCB that I dispute the claim, he asked what exactly I was disputing, and I told him that I disputed that the debt ever existed, and their representative said he would report it to the original creditor ( which is obviously impossible since the original creditor has no knowledge of said debt ). I doubt, therefore, that the employees of the company know that they are fraudulently attempting to collect on nonexistent debt ( s ). 

Company response: Company chooses not to provide a public response
Consumer complaint: My daughter received XXXX services at XXXX facility, I had paid the {$25.00} copayment. 
Insurance statements and credit card statements confirm I paid the {$25.00} copayment. 
I sent a certified mail to debt colletor with proof of payment. I kept record that letter was received by debt colletor. 
After sending the mail, debt collector keeps calling statign they have not received any certified mail, that I still how {$25.00} + interests. 
I had to sent a fax with all information again. 

Company response: Company chooses not to provide a public response
Consumer complaint: this company call my wife with XXXX frequent i never give them my wife cell number. she was very upset when the call her when she was with her XXXX at a work shop 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My husband and I have our mortgage thru Wells Fargo Bank and I use on line banking for everything. Unfortunately, like millions of Americans, we struggled with the poor economy, high medical bills and job loss and filed chapter XXXX Bankruptcy. During this process, we reached out to Wells regarding the mortgage payment and were given the opportunity to do a loan modification to reduce our monthly payment. We were very grateful for the help and completed the process. The mortgage is not behind or in any jeopardy, with the manageable payments. My complaint is simple. We are being denied the option to pay the monthly payment on line. When I pressed for an answer as to why, I was told it was the bank policy, the account is restricted because of bankruptcy, I would not be allowed that privilege. In addition, I am being denied the chance to vocalize my complaint with the upper administration of the organization. I feel this practice is discriminatory in nature. We pay the mortgage directly, as it was never looped into the bankruptcy. In essence, we are being punished by the bank for resorting to filing XXXX XXXX. Is there any recourse we can take? 

Company response: Company chooses not to provide a public response
Consumer complaint: We used our XXXX to book a cottage through XXXX for a mini vacation to celebrate my husbands first year in XXXX and the completion of his first year of school XXXX and still working towards his XXXX degree.  The room they booked was unfit for staying in. It was at XXXX.  They charged us and showed a prime place on their site at XXXX for XXXX a night.  When we arrived the septic field was dug up right next to the cottage they put us in.  The living room floor was caving in and my sons were tripping and fell XXXX, the bathroom door wouldn't close and there were animal feces next to the stove.  I have the pictures.  I called XXXX to cancel Confirmation Number XXXX.  They wouldn't because they couldn't get the managerof the place on the phone.  It stunk we were getting sick and the ad said it was airconditioned.  This was a lie the bedroom had no vent and no air conditioner seperate and it was XXXX degrees in the keys.  We told XXXX we couldn't stay it wasn't fit they said you have too.  That's fraud they falsely advertised this place.  They wouldn't cancel we offered pictures,  we offered for them to skype in they wouldn't.  We had to leave and had to pay for another hotel it's on our bill as proof we put the keys in the maagers night drop box and drove XXXX hours and checked in at XXXX that night,  then we went home sad and broke.  XXXX is saying they can't make XXXX  remove this fraudulent biling.  Now the XXXX in bogus fee's are putting us high on our credit card and were trying to buy a house.  So it's hurting our credit ,charging us money we don't have.  XXXX  He's in school getting his XXXX Degree XXXX.  He already helps XXXX and wants to help XXXX  This was his treat for 70 hr weeks,  for a year,  trying to do school and a internship so he could bless others.  We were not so upset about it happening we forgave but to charge us for this is horrible.  XXXX need to get a heart or not be used by consumers.  Also they need to be responsible and step up when their merchants commit fraud.  We have all the pictures from this fiasco as proof. XXXX says it's to bad but XXXX says too bad the manager wouldn't cancel.  The manager renting fraudulent rooms doesn't want to give up his money.  Really?  I thought XXXX were there to help us with that.
Company response: Company believes it acted appropriately as authorized by contract or law