AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In XXXX, XXXX I applied for Mortgage assistance to Bank Of America, which WAS my primary mortgage holder. ( Bank of America Loan # XXXX ) We have been working with XXXX XXXX since XXXX XXXX, trying to get assistance for a predatory HELOC loan with a fixed balloon payment that came due in XXXX XXXX. 
My husband and I have faced financial hardships due to the downturn in the economy and subsequent bankruptcy. We are self-employed but have not missed payments on our mortgages. 
XXXX XXXX keeps denying us any assistance telling us we can not prove affordability and told us that if we could modify our primary mortgage under a HAMP program, they would consider giving us assistance on our second mortgage. 
We have applied XXXX times with XXXX XXXX, only to be denied. Our last submission was in XXXX XXXX, XXXX. 
We contacted Bank of America for assistance and was assigned a Home Loan Team Specialist, XXXX XXXX XXXX who guided me through the application process. 
On XXXX XXXX, XXXX, we submitted a Request for Mortgage Assistance, with follow up documentation as requested in early XXXX, XXXX. 
Then, without any response to our application, Bank of America SOLD my loan. I was sent a letter dated XXXX XXXX, XXXX notifying me the servicing of the loan would be transferred to XXXX XXXX XXXX XXXX. On XXXX XXXX, XXXX the loan was transferred. 
I was not able to get any further assistance form BofA and was not able to get through to my assigned representative. 
I was told that XXXX was aware of my application for assistance and advised that I could speak with them about mortgage assistance. I followed up in conversation with XXXX, but was met with unfriendly, unwelcoming advice. 
We had applied XXXX times with XXXX XXXX, only to be denied. Our last submission was in XXXX XXXX, XXXX. My present Home Preservation Specialist called me on XXXX/XXXX/XXXX to say I was denied again, and I am waiting a letter with their determination. The rep told me that they can not help me under any government program because it has to start with my primary mortgage ... so I restated to them what happened with BofA when I applied for assistance, and they sold my loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX I became aware that a recently terminated office manager who had been employed by my company, XXXX XXXX XXXX : XXXX for approximately 1 yr had fraudulently used my debit card for a {$99.00} purchase. This person also forged a payroll check for {$2200.00} ( see XXXX ) This person also generated a fraudulent check ( see XXXX ) from a customer for deposit into our business account in the hopes of ( a ) getting paid a commission on said check or ( b ) intentionally over drafting my account, which it did. On XXXX I reported these fraudulent transactions to XXXX XXXX, Suntrust Branch Manager at XXXX XXXX XXXX XXXX XXXX. XXXX Fl XXXX PH XXXX Fax XXXX because XXXX of the items had not cleared she suggested I check back in a few days. On XXXX I filed a police report with the XXXX Police Dept. ( see XXXX ) I then presented same report to XXXX XXXX a banker at the same Suntrust location to be forwarded along with check information to Suntrust 's security office. Both XXXX XXXX and XXXX XXXX were very helpful in retrieving images of the checks in question and assisting me in gathering documents. As of this date I have had no contact from Suntrust security or any other Suntrust representative regarding this identity theft and fraudulent checks in question. Suntrust did cancel my debit card, and issued credit of {$99.00} for the fraudulent use of my debit card but at this time my account still remains overdrawn due to the illegal checks being processed which is preventing me from doing future business through said account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a phone call today as well, as my husband, and mother-in-law from a woman named XXXX from XXXX and associates saying they were a law firm sending legal documents to my residence and/or work place so that I could be " served. '' They said this was a civil lawsuit for a credit card from Well 's Fargo bank I opened and defaulted on in 2004. This credit card had been closed and the debt has been closed and written off as a bad debt, no longer on my credit report. They then explained that If I refuse the lawsuit, criminal action will be taken against me and I will be arrested for fraud against a financial institution. Since this debt has been closed and is 11 years old, I am way beyond my statute of limitations for collection. Not only is it illegal for them to try and collect on my debt, it is also illegal for them to try and sue me, threaten criminal action, call my family members, threaten to come to my home and work, and for them to pose as an attorney 's office. I googled this company and their phone number and it is not a known company of anykind, let alone a lawfirm. 

Company response: Company chooses not to provide a public response
Consumer complaint: THIS IS BBT BANK 'S NINTH KICK OF THE MULE AND BOY ARE THEY THICK HEADED. AT THE SAME TIME I AM A TOUGH OLE BIRD. BBT YOU REALLY ARE N'T PORTRAYING YOURSELVES AS BRIGHT AT ALL. THE CONSUMER FINANCE PROTECTION BUREAU IS BRIGHT ENOUGH TO REALIZE THAT I WOULD NOT BEAT A DEAD HORSE. YOU ARE TRYING TO SKIRT THE ISSUE BY STATING YOU STAND BY YOUR PREVIOUS RESPONSE. WELL, I STAND BY MINE! THE CONSUMER FINANCE PROTECTION BUREAU REALIZES AS DO YOU WITH YOUR FAKE DECEPTION ATTEMPTS THAT YOU HAVE AVOIDED/ NOT ACKNOWLEDGED THE FACT THAT ( IN ADDITION TO NOT REVEALING WHAT YOU DID WITH THE CONTENTS OF MY SAFE DEPOSIT BOX ) YOU HAVE NOT/REFUSED TO ADDRESS THE ISSUE OF THE SAFE DEPOSIT BOX KEYS THAT I HAVE ARE NOT THE ONES I WAS GIVEN WHEN I RENTED THE BOX AND YOU APPARENTLY ARE REFUSING TO CHECK YOUR CAMERAS THAT WOULD REVEAL WHO WAS IN THE BOX ON THE AFOREMENTIONED DATES-OH WAIT, CAMERAS CAN BE ALTERED/TAPES CAN BE ERASED. THIS CAN AND MAY HAVE HAPPENED BECAUSE THERE ARE ALSO PLENTY OF DISHONEST PEOPLE IN BANKS!! AND NOW YOUR ( BBT BANK ) SENIOR VICE PRESIDENT IS SNEAKING INTO THIS MATTER. WELL, TO HIM/HER I SAY WHAT I HAVE SAID IN MY PREVIOUS RESPONSES AND IN CASE YA HAVE N'T NOTICED I AM NOT TIRED YET-WHERE ARE THE CONTENTS OF MY SAFE DEPOSIT BOX!!! SO XXXX, I LOOK FORWARD TO ADDRESSING YOU IN THE TENTH KICK OF THE MULE!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm trying to buy a leased vehicle from a friend who has leased it. The lease term is over and Ally Bank told us what to do so that I can own the vehicle. I sent the Bank Checks to Ally Bank exactly the way they instructed. It 's been a month and Ally Bank will NOT release the title to me even though they CASHED the Bank Checks two days after they received it, on XXXX XXXX, 2015. When you call the XXXX number, they transfer you to " customer service '' and the call actually gets transferred to some XXXX company, totally unrelated to Ally Bank! I really need some help to get the title to this vehicle as they CASHED the Bank Checks and are now avoiding my calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2014, I contacted XXXX just to inquire general information on obtaining a mortgage. I made it more than clear, I was just looking for information and not ready to take action. The representative on the phone told me he would run a SOFT inquiry on my credit and that it would not affect my score. He ran my credit ( and my wife 's too ) and later that week, I see it was indeed ran as a HARD inquiry. I called and wrote asking for the audio from the call since I know they are at times recorded. I NEVER gave XXXX any permission for a HARD inquiry and I would not until I was at the stage to actually purchase a home. I feel tricked and manipulated by this company. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am XXXX patient account number XXXX all bill i paid on time, but they send to collection without any notice, I paid full amount on time to XXXX not to collection, I heard they send statement to wrong address, that is not my mistake, I used only XXXX mailing address that is XXXX XXXX XXXX XXXX # XXXX, this mailing address more than 4 years in patient file, in the time of ER why they used other addressee I do n't now. I talked to XXXX, XXXX XXXX XXXX XXXX they said we got this information from XXXX XXXX XXXX XXXX, I called to XXXX XXXX XXXX XXXX XXXX they told me ( you update your address after statement ) but I got call from XXXX In XXXX 2015, they told me this bill from XXXX, that is way I called to XXXX to correct the own problem b/c they used wrong addressee, when I got the statement I paid unpaid balance full to XXXX not to collection. 
Because of them my credit report is damaged, I need correction from XXXX XXXX XXXX XXXX and XXXX to fix my reportXXXX/ XXXX/XXXX take responsibility, I am not responsible for late fee, they never send to me any statement to me, I do n't now my credit card number too from them. 
Please clear my credit report in right way I am not responsible for above mistakes 

Company response: Company chooses not to provide a public response
Consumer complaint: I am on a reduced interest/monthly payment however due to ME making payments on XXXX and my parents parent + loan, I have been unable to make any substantial payments on this account, I pay $ XXXX when I can but I can not overdraft my account any more without not having any food or having my car taken away. Great Lakes continues to post negative marks on my credit report, there is no way for me to get any kind of extension or forbearance or anything based on my conversations with the Great Lakes reps - they are also calling my parents ( who are cosigners but living in poverty with health concerns ) every single day asking for payment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX Apartments are on my credit and transfered the account to FCO as a collection which in turn sent the file to an attorney ( which resulted to them having to dismiss the case as this is not a debt that I owe ) I called and faxed both the attorney 's office as well as FCO and they both keep referring me back to each other. I really need them to removed this from my credit as it is hurting my score and is resulting to me not qualifying for important purchases as well as increased interest rates. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got this card for my wife and she was to pay the balance. She had lost her job and did not make me aware that there was a balance due on this account. Would like to have these removed from my credit report, the account is paid in full and in good standing. 

Company response: Company chooses not to provide a public response
Consumer complaint: The interest is 782 % they already in one month took {$290.00} with only XXXX to my loan principle. I borrowed XXXX However. the issue is that I was given false information on the payment amount. I was told that my payment was going to be {$100.00} each of my pay period in which I agreed. But in reality ONLY the first payment was going to be {$100.00} and all the ones were going to increase to {$190.00} each pay period. Which is totally insane! I would have rejected the loan if they would have given me that info in the very beginning! I do not have any paper documentation because I saved the email XXXX XXXX had first sent with all the information and It has disappeared from my box. But I am willing to swear under oath that he had sent me the information indicating the payments of {$100.00} NOT {$190.00}. XXXX became very verbally hostile when I questioned their false tactics. He then added more fee 's to my balance for asking him to take out the remaining XXXX on the next pay period. ( I had to borrow the money from family members so I can get out of this terrible situation. ) 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: New Credit Card. A charge for {$75.00} was on the first bill, transaction date before the card was either received or activated. Charge was to a company in XXXX but in XXXX XXXX. 
This is a major security issue that the charge was not trapped by Citicorp fraud filter. I called customer service, who connected me to security. Security was not interested and just treated it as a Billing Dispute. After a few weeks, the dispute was denied, showing evidence that somebody Named XXXX XXXX in XXXX ordered something from XXXX XXXX in XXXX, again long before the card was received or activated. 
I have tried to reach Billing Disputes at XXXX ( XXXX, or # XXXX for immediate connection to Billing Disputes ) several times for two days. Finally called customer service, and they to got runaround first from Security, then unable to reach billing disputes. Kept me on the phone for about an hour ( XXXX XXXX, 2015 ) despite request, they never called back. 
Either CITIBANK has little regard for customer, or they are again part of the fraud and extortion from my account. Perhaps they assume that they can exhaust me with this runaround and extort this amount to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an unauthorized and unjustified hard inquiry on my Experian credit report from XXXX XXXX XXXX. Experian has told me I can contact XXXX XXXX XXXX to request it be removed but XXXX XXXX XXXX is no longer in business so I am out of options. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was approved for a BestBuy storecard and my card was compromised when my identity was stolen. I submitted a fraud claim for the charges on my BestBuy card and according to BestBuy they have completed the fraud claim but I have not received a replacement card. It has been several months since they have completed the fraud claim but as of today I still was not issued a replacement card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've reached out to both SLS and XXXX regarding my XXXX mortgage that is now paid in full. They are reflecting on my credit report with the name Specialize Loan Servicing, but the address is for XXXX. This is hurting my credit score and resulting to my interest rates increasing and not qualifying for credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank Sears MasterCard has been charging {$19.00} a month since XXXX/XXXX/2015 for " XXXX CreditRep '' and I do not know what it is and did not ever authorize this charge. 
I submitted a written dispute with Citibank upon discovery of the charges ( XXXX/XXXX/2015 ). 

Company response: Company chooses not to provide a public response
Consumer complaint: . New servicer is reporting a tradeline that was discharged in a Chapter XXXX Bankruptcy. The reporting date is XX/XX/XXXX and Date of last activity is XX/XX/XXXX. This debt was discharged in XX/XX/XXXX and I didnt reaffirm. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: XXXX is attempting to collect a debt. They call me during work hours and I have told them XXXX orally that I am in a HIPAA controlled environment and I am not allowed to take calls not pertaining to work. I have on three occasions told them a proper time to contact me is during my lunch at XXXX. They have never attempted to contact me during that time and continue to call outside of that time. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX owner is cancelling credit card processing service with the XXXX. As a part of XXXX XXXX cancellation process it is charging {$290.00} cancellation fee because 3 year of service term which according to my card processing application does n't indicates. I believe is not a fair charge & seeking to reimburse it. 

Company response: Company chooses not to provide a public response
Consumer complaint: This judgement was dismissed in XXXX of 2015 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, my partner passed away and I was namedthe personal representative of the estate. Since XXXX XXXXI have been attempting to work with Wells Fargo to completea deed in lew of foreclosure. Wells Fargo has assigned mycase to many representatives who tell me that this is basicallyapproved, then not approved, then it is assigned to newperson. Wells Fargo had stated on the phone, of whichthereXXXX have been many calls they have recorded. 
that this is moving forward and their are no issues. 
There is a line of credit with WElls Fargo of whichthey stated they declined the {$6000.00} offer from thefirst, only to tell me on the phone they reversed thatand would accept it. I was told today that the previousHome Preservation Spedicalist was removed from theposition, and that he had incorrectly selected the wrongscreen and put my case into a different status ( I still do notunderstand ) and that I would need to start the process overagain. I have done everything I can and have so many lettersstating that this is moving forward, only to have the letter thenext day tell me it is not, then the following day it is. I havehad no less than XXXX home preservation specialist. This hasbeen ongoing since XXXX and when I asked to speak to asupervisor I was given XXXX, only to be told today, that personwas not my preservation specialist supervisor ... .so I was liedto. I do n't know what else to do and need assistanceto get this moving forward so it can be closed out. 

Company response: Company chooses not to provide a public response
Consumer complaint: I started the process to try and have things removed from my credit report, I called and spoke to customer service at XXXX XXXX about the lates on this account. I was unaware of this many lates for this account. They said that I was only late 1 time. But on my credit report it shows 7. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was given a date of XXXX to move out. I would like to remain in the home and pay rent. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is really a two-fold issue. A complaint was issued against XXXX XXXX XXXX ( submission # XXXX ) for selling a mortgage XX/XX/XXXX for a home that was sold back XX/XX/XXXX. The issue with XXXX XXXX XXXX has been resolved. But now there is an issue with the place they sold the loan to : Select Portfolio Servicing. I have a stack of paperwork from SPS for demand payments and threats with foreclosure on this property. I have spoken with their customer service representative numerous times since XX/XX/XXXX, when this all started. I have been told that their records indicate it was resolved XX/XX/XXXX. Since that time, I have been trying to get a written document stating, this loan was sold erroneously and there was NEVER a loan that should have been processed. I do NOT owe {$65000.00}. I want documentation stating those facts along with a written guarantee that this will NOT be reported to the credit bureaus. After numerous calls speaking with reps AND supervisors, all I can get is their " word '' that it has been taken care of. Not good enough! This headache came out of nowhere through the fault of XXXX XXXX XXXX and/or SPS. At this point, I do n't care who is to blame, but since SPS seems to be able to send me stacks of demand notices and threats, I 'm sure a letter stating ... .oops someone XX/XX/XXXX up and you are in clear must be asking for too much. This is all I want .... Would really like an apology but I definitely know THAT is asking for too much. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a mortgage with Bank of America. I current principle balance of {$80000.00} on the original loan amount of {$92000.00} with original appraisal was {$100000.00} which put me at 22.3 percent equity in the house or debt of 77.7 percent. Bank of America had advised verbally that my PMI would automatically roll off after I reached 20 percent equity in my home. I have reached better than 20 percent equity in my home yet Bank of America consistently denies to remove the PMI. They have indicated it will automatically come off XX/XX/XXXX but at that point I will have paid well over {$800.00} from this point until then which is outrageous. 
At closing my lender was not onsite to disclose to me the documentation that I was signing. My lender specifically XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX at phone XXXX. The title agent was not knowledgeable enough to answer the questions I had regarding the paperwork. 
I have reviewed the documentation from my closing and have been thus far unable to find a PMI document that Bank of America has stated I signed/initialed regarding their PMI practices. Bank of America has indicated that I can, at my own expense, request an appraisal from ONE OF THEIR APPRAISERS and pending the value of the home not diminishing since the original appraisal XX/XX/XXXX they would remove PMI. All of the values of homes in my neighborhood have only been increasing based on sale prices alone. Bank of America has no standing or grounds on which to base their assumption that values have decreased since I purchased my home, but there is irrefutable evidence that values have increased. Additionally, I do have an appraisal report from a qualified appraiser indicating the value of my home to be in excess of {$120000.00} in the home 's current condition. I will be submitting to Bank of America a QWR as well as the appraisal in-order to have a copy of all the documents Bank of America has as well as to have the PMI removed. 
I feel their business practices are unfair and deceptive regarding their disclosure of PMI and requiring a borrower substantiate a non-decreasing value of a home when all property values regarding the neighborhood are increasing is unfair and puts a burden on the home owner that is fair from warranted. 

Company response: Company chooses not to provide a public response
Consumer complaint: To Whom It May Concern : My Mother XXXX XXXX XXXX passed away on XXXX XXXX, 2015. We purchased the house together and all though I am not on the mortgage note I am on the Deed of the house. We purchased the home in joint tenancy in the State of Colorado. We were advised when we bought the home that this was the best way to take title so that no formal Estate had to be established because in the event of XXXX of us passing away the ownership transferred to the survivor. Wells Fargo is making me chase my tail for an issue that can be settled. We are trying to short sale because when my Mom was sick she did not pay the mortgage and I can not afford with only my income. This is what they keep telling me : ( We need documentation that the person on the deed is able to sign for the deceased. The person on the deed is not on the loan. ) This makes absolutely no sense the only POA done for my Mother was medical and not real estate related. I did not think that we had to go through this because of joint tenancy title in the State of Colorado. If this was a normal sale they would accept my signature as the sole owner on title do not know why they are giving me such a hard time in the short sale process. Can you please help me get this issue settled?? 

Company response: Company chooses not to provide a public response