AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In 2014 I reported to Bank of America that I had lost my job and sources of income hence encounter financial hardship and could not meet my minimum payments and needed to enroll in their financial hardship program/card protection. I was told by the agent at the time that because I did not have a job i could not enroll in the hardship program and they would be reporting the negative information to the credit bureaus. I then told them that due to my circumstances it would be impossible for me to continue making payments without some sort of arrangement to no avail. Once I began working again I contacted Bank of America again and informed them that I had found another job and was ready to begin making payments and that I wanted to set up a payment arrangement and enroll in their hardship program so that I could pay them and take care of the other bills I had fallen behind on. I was informed that I had the options for payments : 1. ) I could pay {$260.00} for 2 months. 2 ) I could make a payment of {$180.00} for 3 months. Or 3. ) I could make a payment of {$150.00} for 4 months. While the payments were steep I agreed to commit to the 4 month plan to get my life back on track. Then after a string of invasive questions the customer service agent informed me that not only was I not eligible to complete the agreement for the 4 month plan but that the hardship program was not an option for me either after I was initially informed that these options were not available due to my unemployment status. Thus if I did not have the options for a hardship program or particular payment arraignments when I was unemployed or when i became employed then that means the options were never available to me at all. At the beginning of my credit relationship with Bank of America I was falsley led to believe that in the event of job loss and financial hardship that alternative payment options were available to me but under all circumstances this proved to be untrue. Hence I was coerced into a credit agreement with bank of america via misrepresentation of products and services. 

Company response: Company chooses not to provide a public response
Consumer complaint: Company named Accelerated Financial Solutions , LLC have been calling me and members of my family stating that they need to deliver court appearance papers to me for a debt I owe- a payday loan. Have never applied for a payday loan and they were trying to confirm sensitive information such as my social security and telephone number. They also lied and stated that my bank confirmed the amount of the loan was transferred to my account. No record of that deposit is on my account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Green Tree Serving we have insurance threw them they wo n't let us file a claim.Could someone help us, This Mortgage Company is not doing something wright because the escrow does n't change 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Green Tree mortage open escrow account against our wishes saying we did n't pay some property taxes and we send letter and you had to sign for it with prove that we had paid it They started taking our payment for house and putting into escrow making it look like we did't make our payments. we refinance our loan because of this with another mortage company. Green Tree loan was paid in full and look up on credit report they said we did n't make 2 payment which has hurt our credit score We wish to file a complaint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of American is charging me for " residual interest '' but can not produce any documentation, disclosure or terms and conditions for the card, talking about this residual interest. 
The bank representative and manager told me I was supposed to hold on to the paperwork I got with my card when I first received it years ago ; they said that was the only way for me to get the information. I had this card for years and do not have this hard copy of the disclosure. They later told me I could get a copy of the disclosure if I applied again for the same card, because I would received another hard copy withthe new card. This did not make any sense. 

The representatives later admited that this information " could '' be in the paper bill but it is not in the e-Bill, which means costumers ( like myself ) who choose e-billing per the bank 's recommendations to go green, are not informed about this residual interest calculation either. So, I am being charged residual interest when I have no access to any information on it. 

I had a {$0.00} balance since XXXX/XXXX/16 and Bank of America charge me " residual interest '' in their statement for the cycle that closed on XXXX/XXXX/16, 3 weeks later. 

I had this card for years under the impression that as long as I paid off my balance before statement closed I did n't have to pay interest for that period. No one at Bank of America has been able to produce any documentation stating otherwise. 

I am being charged interest on a {$0.00} balance, based on policy changes that I was never informed about by Bank of America, and they refuse to provide any documentation related to these interest calculation practices. 

Thank you. XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We had an existing Home Equity Line of Credit ( HELOC ) established with the Bank of America. This was to expire in XXXX, 2016 so we began the process of applying for a new HELOC to be able to transfer the existing balance from the old program to the new one. 

After successfully establishing the new HELOC we began to get statements which stated that our MINIMUM payments were to include both principle and interest. We assumed that the terms of the new HELOC would be the same as the old and that interest only payments would be sufficient until we totally paid the loan balance planned in a couple of months. 

To our shock, subsequent statements showed that the MINIMUM payment balances were rolled over to subsequent statements WITH A LATE PAYMENT PENALTY APPLIED! 

At no time during our application and signing process were we told that interest only payments were no longer sufficient and that the new HELOC program REQUIRED a MINIMUM payment that included principle AND interest. 

When contacted, the Bank of America did forgive the penalty for 1 month but required that we pay the total outstanding amount ( principle, delinquent principle as well as interest ) or otherwise be charged with another delinquent payment penalty. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have many debts on my report that are my uncles that has the same name as mine. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Acknowledged as a victim of massive identity theft in 2015 by the Internal Revenue Service. My case warranted me involving the FBI and Internal Revenue Service. 
Despite me providing Transunion and Experian with documentation from the Federal government and additional XXXX pages of proof regarding fraudulent accounts they continue to allow the creditors to report fraudulent information. Specifically of concern XXXX XXXX XXXX. I have provided information that this is my mother 's account. Sending the Registration, and Insurance documents. XXXX providing information that this car is garaged at her home address " a senior housing complex '' XXXX continues to report that I am a cosigner on this account the most compelling evidence, which hyundai would be unaware of, is that I am a victim of identity theft which left me unable to obtain any type of loan. My credit score being XXXX left main financially and economically paralyzed. I am devastated by what XXXX XXXX XXXX has done after me being a victim of identity theft I have been revitalized by XXXX XXXX XXXX. This is my mother 's car. I did pay this account to help my mother which was my prerogative. I did not authorize XXXX XXXX XXXX to keep my information in their system. XXXX XXXX XXXX continues to list me as a co signer on this account which is mind boggling. More disturbing is transunion has the factual information that this is not my account. The reckless and destructive reporting by XXXX XXXX XXXX to the credit bureau is beyond comprehension. I did make payments on this account for my mother 's car. At no point in time did I allow XXXX XXXX XXXX to keep my information on file. I have found out XX/XX/XXXX they have used my banking information, which was not to be stored in their system, to take an unauthorized payment out of my account. XXXX XXXX XXXX can not substantiate a co signer on this account .There is no supporting documentation stating I am a cosigner XXXX deleted XXXX XXXX XXXX XXXX from my account however I have been disputing this with XXXX and TransUnion for a year. Being a victim of massive identity theft and fraud and dealing with the credit bureaus actions has affected me in a way that I can not even begin to express. Dealing with the credit reporting agencies is being subjected to continued abuse for me. It is unfathomable, beyond comprehension. This is XXXX account. Equifax removed XXXX accounts. Experian is still reporting a federal tax lien which the Internal Revenue Service found me not liable for. The credit bureaus have all of this information. The government does n't hold me responsible. I should not be subject to more abuse by the credit reporting agencies. These accounts need to be taken off my report as soon as possible. I have been left in financial ruins. A single mother of XXXX XXXX children. I 've been left economically and financially paralyzed. Thank you in advance for your time. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I owe a debt to a credit card company that I was unable to pay due to some financial set backs. The company contacted my sister and lied about being a lawyer and serving me with papers at my job if I did not return the phone call to them. I then called the company after my sister gave me the information from the rude collector, and was yelled and screamed at and told that they would be to my job to serve me when I called myself. I was never informed of what the debt was for or what the amount was, and was told that I had committed fraud and would be handled legally. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Call Wilber & Assc to make paymnt arrgmnt on a debt wth XXXX XXXX to cont. wth XXXX agreement/ the rep wth Wilber never vefy who I was or this is a communivcation from a debt collector. refused to take a paymnt, refused any agreement, refused to let me tt a supervisor for a complaint, I called 2x and XXXX never vefy or gave discloser told me he did n't have to obey FDCP and for me to not call again, and hu on my for the 2nd time 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Around XXXX XXXX, 2015 I sent in dispute letters regarding incorrect reporting on my credit report. I received letters back stating it was correct and told they case was closed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Mortgage with XXXX XXXX which was serviced by LOANCARE. The mortgage was recently refinanced and paid off. I inadvertently sent in a loan from my bank 's web bill pay after the loan was paid off and that account number was closed. I have been trying for close to a month to get the money refund. Three phone calls just today alone and I was shuffled from one customer rep to another repeating the same information over and over. I have called LOANCARE 6 prior times and fax them the info they asked for which they said they did not received. I even verified the fax number was correct with a customer representative. 
In one phone call the customer service rep placed me on hold and after 10 minutes on hold a different customer service rep picked up the phone and so I had to repeat everything all over again. She then placed me on hold and next thing I know I had a dial tone. 
There is no doubt in my mind that they do not intend to give me my money back and is stalling hoping I will go away. But i am talking about almost a thousand dollars. Now they want me to email the same information they did not received via fax even though I verified I sent it to their correct fax number. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Previously the XXXX account was stale reporting XXXX XXXX and my mortgage lender requested a credit supplement. I provided TU with documentation showing updated account balance of {$0.00} ; however, they did not update accordingly. Currently the reporting is 60 days stale showing last reported XXXX/XXXX/XXXX. I have provided a XXXX/XXXX/XXXX statement with the redispute XX/XX/XXXX but they have not yet updated the account to reflect accurate reporting. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is written by XXXX XXXX XXXX ; collection involves an account under my wife 's name XXXX XXXX XXXX XXXX XXXX. 

In XXXX of XXXX, we cancelled our TV cable service with XXXX and kept only XXXX internet service. A XXXX serviceman picked up TV equipment ( TV control unit and remote, as I recall ) and left the modem only. 

In early XXXX, we switched our internet service to XXXX XXXX XXXX. When my wife ( per directions from XXXX ) delivered the modem to our local XXXX office, we were told we still had a piece of TV equipment we did not have, and would be charged for it. I called XXXX customer service and explained the above scenario, and advised we did not take or have their lost equipment and would not pay for what seemed to have been lost by someone else. I believed that the matter was closed, and then the cards and calls from Consumer Protection Association began to come. They came to me, because my phone was listed as the contact. 

I called both CPA and XXXX on three occasions. After each contact, I believed that XXXX understood our position and the matter was closed. The last contact was on XXXX/XXXX/XXXX to XXXX companies. I confirmed that CPA would be contacting XXXX, and I confirmed XXXX would be confirming to CPA that the matter was resolved. 

I then received notice in XXXX ( XXXX copy included ) that CPA had 'turned my account over to the credit bureaus '. I was shocked, as this was clearly a disputed matter, and I had recieved no indication from CPA that 'the credit bureaus ' ( no specs as to how this was reported, or to who ) had been advised that this was a contested matter. 

I now realize that I should have disputed this matter in writing withing 30 days of first notice, etc. I am sure XXXX and CPA have records regarding my phone calls, and XXXX should have record of the resolution ( s ) I was led to believe were forthcoming, so the formality of writing on such a clearly baseless case did not occur to me. 

My wife XXXX and I XXXX have a very long history of excellent credit. It is ludicrous to suggest that we would jeopardize that by failing to return a part that should have been picked up at the time our TV service ended. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Please refer to the attached Cease and Desist Order pursuant to 15 USC 1692 g 5b. 
Aldridge Pite LLP are debt collectors and not attorneys. They hold bar cards but spend most of their time filing fraudulent paperwork against homes of Americans who dispute their alleged interest in our homes and then steal homes across America regardless of the serious title issues. I am now one of their victims. I have asked XXXX XXXX and Aldridge Pite LLP to provide me the Account Loan Data from Original lender and they have refused to abide to 15 USc 1692 g. I am in the middle of Quiet Title and I do not have the time or resources to deal with unethical debt collectors. If they provide the account loan data from original lender - I am willing to talk but not to strangers who file fraud paperwork to steal -- and file documents w/out my authorization pursuant to 15 USC 1692c. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: When they originally called they actually called my in-laws who would not give them my number, when I called them back she did not tell me it was an attempt to collect a debit or anything of that nature. Basically jumped right into making payments. In XXXX 2005 I received some charges in which I was to pay some fines, over the course of a few years I made payments, and when I filed my taxes they took my state return. I assumed since I was n't getting returns that they were still taking them, I was just contacted today for this debit ( 11 years later ), according to them they have sold my account 3 times and have failed to find me, yet I 've lived in the same county for 8 years, gone to school, applied for loans, I have phones and bills in my name, not to mention a simple google.com search brings up my information. The original debit is for just under {$900.00} now they want me to pay over {$1300.00} for their collection costs. They were able to verify my address in XXXX XXXX, Utah. I do not have any type of documents and when calling the court house they have destroyed my file therefore there is nothing left of this case. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: We have applied to Citi Bank Mortgage at least 3 time to refinance our loan and take some cash out. Citibank ask us to close several other accounts which we did, fax document after document and then later deny our request yet would not provide an explanation. They always send us a letter referring us to one of the credit bureaus. 
Our mortgage has been with Citi for over 10 years but they can never give us the respect of an explanation or reason for the denial. They would constantly call or email with their many demands for many forms and documents, yet when it 's time to hear the results and reason it 's always a voice mail. To me that is very disrespectful I think this is discrimination and need to be addressed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The debt is past the statue of limitations and its also older then 7 years. I have disputed and asked for it to come off all the credit reports and somehow it has stayed on. its over 7 years old. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was charged a late fee for for a payment that was on time. The money was withdrawn from my bank account by the company on XX/XX/XXXX but they did not post the payment to my Barclaycard account until XX/XX/XXXX. This resulted in a late payment fee of {$25.00}. I contacted the company and informed them of the error, and I was told that it is their policy to hold the payment for one to two days for processing. Although they physically had my cash in their account, they did not process my payment until the next day. They have refused to reverse the fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent payment for a bill via mail when I called to inquiry why payment had not been applied I was informed that I had post dated my check for the month of may. I informed the rep that was incorrect and the payment was to be applied XXXX/XXXX/16 ; I authorized them to change the date if incorrect and withdraw payment of {$90.00} listed on check. At the time I was offered to also set up payment for the remaining balance, I inquired if this would incurr a fee because payment over the phone stated it had a fee? I was informed by their employee that since they had the information and were processing a payment, the administrative fee would be waived. I asked again if she was sure of the procedure because I understood there was a {$9.00} administrative fee otherwise I would just mail a check. I was assured that would not occur. Upon checking my financial balance I noticed an electronic check withdrawl for a {$99.00} fee. I immediately called and spoke to a supervisor and was told that was incorrect, he had to check the tapes of the conversation. I would be refunded my {$9.00} but he was unaware of when that would happen. It may take time for them to return my money that I did not agree to have them withdraw. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX of 2014, I moved to a new residence where I paid my last bill owed, but tried to transfer my service with XXXX. XXXX came out and could not find a line-of-sight to connect my service, and I was not allowed to have it per my landlord/tenant rules I was unaware of which deemed my contract null and void. My chapter XXXX bankruptcy was not discharged until XXXX of 2014 so even if this all had not happened I would still owe XXXX nothing. They continue to send a bill to collection agencies, and tamper with my credit illegally. The new agency they sent false info to is at XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Last year, I asked that the ( at the time ) XXXX XXXX XXXX ( now the XXXX ) take me off of automatic enrollment so that I would not be charged the automatic $ XXXX yearly fee. Yesterday, I looked at my monthly statement, and not only had Barclay 's ( presumably the organization responsible for overseeing the card payments ) deducted {$89.00} from my account again - they had done so twice. A total of {$170.00} was taken out of my account without my permission - despite having spoken to a representative last year and requesting that I be taken out of auto enrollment. Although I called them and my money is apparently being refunded ( I have not received a refund yet ), it is terrifying to think that a company such as XXXX, or Barclay Card, can simply deduct money from my personal bank account without permission - or even a request - despite me taking the time to attempt to eliminate this type of event from occurring. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage that is currently being services by Sterns Lending/Loan Care. I went on line on XXXX/XXXX/2015 to make my mortgage payment only to find out that my payment had increased by almost {$400.00}. I called Sterns and was told that my mortgage insurance was doubled on my FHA loan in error after an account analysis had been done. They advised that they would do another account analysis that would take two weeks and fix the issue. I was told I would n't be charged late fees because of their error. I checked every day up until XXXX to see when my payment was corrected. On XXXX when I checked my payment was changed but still much higher than the mortgage payment that I qualified for and had been paying. They said the notes in the system were due to a shortage in my escrow account. I was issued a REFUND on my escrow overage less than two months prior to this happening ... .now I have a shortage? I asked why I as given a refund and now they are increasing my payment beyond what I qualified for or wanted. After being on hold for 30 minutes I was told by the representative that neither her or the manager could figure out why my payment had increased and that I needed to just make my payment. I went online to make my payment so that my credit would n't be adversely affected and I was charged the late fee that I was told would be waived due to their error. 

Company response: Company chooses not to provide a public response