AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Bank of America incorrectly applied my payment to a credit card account. There were XXXX payments made in a billing cycle XXXX 2015. The XXXX payment of {$300.00} was made XXXX XXXX, 2015 and correctly applied towards the monthly minimum payment of {$81.00} and the lowest APR balance. This balance of {$7200.00} was subject to 0 % APR and represented the entire amount of debt on the account at the time. The XXXX payment was made on XXXX XXXX, 2015 for {$1300.00}. This entire amount of the XXXX payment should have been applied towards {$1500.00} of purchases posted between XXXX XXXX and XXXX XXXX, 2015. Unfortunately, Bank of America applied the payment incorrectly splitting the amount between the lower and higher interest rate. This resulted in an interest rate charge of {$9.00} against a balance of {$640.00} for purchases subject to the higher interest rate. If the payment was applied correctly, the balance subject to the higher rate should have been {$220.00}. I contacted Bank of America to resolve and they claim they applied the amount towards the lowest APR in accordance with Federal Law. This is NOT what the law prescribes. That only applies to the minimum payment amount and any amount above that must be applied towards the highest balance. 
I request you assistance on XXXX matters : 1 ) assist in getting the Bank of America to correctly apply the XXXX payment to reduce the balance subject to higher APR as this effects the next months bill and 2 ) assist in getting Band of America to refund the incorrectly charged interest. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage has gone into foreclosure due to a separation/divorce. At the time my husband left I was only working part time and could not afford the payments. I have since obtained full time employment. He has walked away from the loan. He has no contact with the bank and does n't care if the house forecloses. I have tried everything I can to work something out with Bank of America. I call them weekly, applied for a modification, and even saved the past due amount to reinstate the loan. To my dismay, they pushed forward with a foreclosure and filed judgement against me in local court. The are requesting additional information from my husband, which he would not provide because he does not want the loan anymore. I offered to pay the bank to reinstate the loan. They sent me reinstatement figures. There were XXXX of dollars in fees attached in addition to the past due amount of the loan. I asked for a detailed listing of the fees. They would not provide them to me. I was told by my Bank of America Customer Relations Manager to contact the attorney handling the foreclosure to obtain a breakdown of their fees. When I contacted the attorney, XXXX XXXX XXXX of XXXX of XXXX, PA, The amount to reinstate was completely different and a lot less than the bank was telling me. The woman at the attorney office told me I could send payment to them directly and the loan would be reinstated. I contacted the bank again, they denied this was an option. The told me to forward payment to them. I asked the amount needed to reinstate. I was given another estimate. Completely different again. It had gone down from the first quote, but was still higher than the attorney. They told me this was due to " estimated '' charges. I asked for a breakdown of these charges. They can not provide that to me. They told me to pay the amount by XXXX XXXX or they are filing for a Sheriff Sale date in my county. I have told them again and again I do not have the {$13000.00} or the {$11000.00} needed to reinstate that they want. I can pay the past due amount, the {$9700.00} for my back payments and have asked to make other arrangements to pay back the " fees ''. They refuse to accept the payment. They want the full amount they keep telling me. I asked why foreclosure went through when I was trying to get a modification. They could not answer me. Bank of America was requesting additional documents they told me. Every time I call I get a different person with a different answer. Bank of America is telling me it 's the lender, FHA, that 's requiring the full amount to reinstate, yet the amount changes every time I call. It 's like they want to foreclose on the loan and are not willing to help me save it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am trying to dispute addresses that are not correct on my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: I have repeatedly disputed XXXX California state tax liens on my credit report. They were filed because they did n't have my returns even though I did send them. The amount owed is inaccurate. The franchise tax board in California has refused to modify the amount although the have released the lien as satisfied and released. The letter which I will attach is dated XX/XX/XXXX, but liens were filed in XX/XX/XXXX and XX/XX/XXXX. The ketter clearly states that I have 30 days to pay before they will file a tax lien. I have contacted the state of California and they now say it us up to the credit reported agencies to delete the liens at being inaccurate 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX Company wrongfully overcharged me. I cancelled the policy and filed a complaint with the New York Department XXXX XXXX XXXX which is conducting an investigation. Due to the fact that I cancelled the policy, XXXX refuses to correct its error as a harassment tactic. It has hired Credit Collection Services ( CCS ) to harass me to pay money it knows I do n't owe. CCS has been informed that I dispute this alleged debt, but continues to harass me in violation of the Fair Credit Reporting Act. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I was trying to check my credit report because I was worried about identity theft ( i had just had one of my credit cards compromised, and copied XXXX. For whatever reason I used Experian -- I guess because they came up high in search results. They tell you it costs {$1.00} to check your credit report, but what I later found out is that they automatically enroll you in a {$23.00} a month credit monitoring service if you use this {$1.00} registration option. I am pretty adept at spotting online trickery when enrolling in things, and never suspected that a company that has my social security number, and maintains massive databases of credit records, would have one of the most deceptive and fraudulent registration forms I have come across in some time. I was unknowingly enrolled in this program, and only noticed after they 'd charged my credit card XXXX twice ). They are refusing to refund all of my money, because they say that I " knowingly '' signed up for their service. Because I called on the day they charged the second payment, they said they could remove that payment, but not the first charge the made a month previous. After XXXX this deceptive practice, you get a lot of results on consumer complaints website about many people being scammed by this. XXXXThere is no way its acceptable for any company to do this kind of deceptive marketing, especially from a credit reporting bureau, who has people coming to its site because they are nervous about identity theft, or any host of other personal credit issues. They should be forced to stop this practice immediately, return all injured parties monies, and seriously investigated to see if this is the kind of company XXXX can trust with holding their social security and personal credit information in online databases. 

I would have attached screen shots of their registration process, but their " fine print '' is below the fold. And in the space where they display the pricing information, they say nothing at all about enrolling you in a program that costs additional money down the road ( you have to scroll all the way to the bottom and read a dense paragraph to figure this out ). Just go to their website XXXX experian.com XXXX and go through the two screens of entering information for your " {$1.00} credit report '' to see what I mean. 

I also called them, and after they deflected my attempts to get a full refund, a manager finally referred me to an email address for customer service request. I 've attached my email correspondence with their " customer service '' reps, which was unsuccessful at any further resolution. 

Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank advertised a special promotion for their Citigold product. It required a minimum deposit. 

I already had a checking and a savings account with Citi. I added additional funds to the savings account to achieve the threshold amount. In exchange, I was to receive the added benefits of the Citigold product. 

Unbeknownst to me, Citi opened a new checking account tied to Citigold. Since I did n't know this account existed, no money was placed in this account. Since no money was placed in this account, it was below the threshold. Citi began charging fees. 

I was able to have this reversed and shut the account. However, I think it is important to communicate to the CFPB that Citibank continues to employ deceptive practices even after it has paid heavy fines and made changes to management. Very disappointing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am trying to file a complaint against Bank of America on a Home Equity Loan ( XXXX ) which I paid off in XXXX. The problem began after my ex-husband, XXXX XXXX, passed away on XXXX XXXX, XXXX. His current wife, XXXX XXXX XXXX, sent a statement ( XXXX XXXX ) from BOA to my office in care of her tenant XXXX XXXX. Up until this time I had no idea there was a loan against our jointly held property located at XXXX XXXX XXXX, XXXX, XXXX XXXX as there was already a privately held mortgage on this property. 
When I contact BOA to ask about this, I was told my social security number was not the XXXX on the account and that I should go to a local branch as they could not tell me any information over the phone. I went to the BOA branch at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX and spoke with XXXX XXXX XXXX. I explained the situation and she contacted BOA and got me a copy of the signed loan application, changed SSN on file to mine, and had statements sent to my home. XXXX XXXX advised me to contact BOA 's Fraud Investigation unit. 
I contact the Fraud Investigation Unit ( XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX ). I sent her all the information and she turned the case over to XXXX XXXX. I had to fax XXXX XXXX property documents, divorce decree, and other papers. XXXX XXXX 's stated that the signature looked strikingly like mine and that I was responsible for loan. I began making payments as I did not know what else to do. At the same time XXXX XXXX from XXXX XXXX was handed the case as they insured the loans that BOA bought from XXXX Bank. She too asked for all the paperwork and my story. Because I made payments on the loan XXXX dropped their investigation as making payments means I accepted responsibility. I did not know at that time that I had a choice. XXXX XXXX told me to ask BOA for a copy of the ID that was used to authenticate the loan and prove that I was the person in the Bank. XXXX XXXX informed me that this loan was originally with XXXX Bank and was opened in XXXX at which time I was already divorced. This is the year that XXXX XXXX purchased his home in XXXX and I am of the opinion that the money from this account was originally used as the deposit for this purchase. I have since paid this loan off as I sold the XXXX property. 
To date, no proof of identification was every provided. I have had to pay {$90000.00} for a loan that was used to purchase XXXX XXXX 's home, and he wrote checks to his wife and her children. I am unsure of how XXXX Bank issued a loan on a property that was already mortgaged. 
I wish to know if there is anything you can do to assist me in recouping this money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have flawless credit except one negative mark from XXXX 2013. BofA has sold my loan since then and I am looking to buy my second house but they wo n't remove this blemish. This was my only late in 7 years. I have disputed until I could n't dispute anymore and even contacted them directly. No luck. Can you help please? 

Company response: Company chooses not to provide a public response
Consumer complaint: I was charged for a medical service in 2011 by XXXX XXXX XXXX XXXX without my consent. This occurred immediately after I had clearly expressed the specific services I was there to receive to his office staff and that the services must be covered by my medical insurer. I subsequently learned XXXX XXXX XXXX had used this same tactic to up-sell another patient. It is my belief a study of his practice would prove a pattern of over treating patients to increase his invoices. I have protested numerous times in certified letters to the XXXX XXXX XXXX. Now an attorney representing XXXX XXXX XXXX as a debt collector is requesting payment and the amount has increased 234 % without explanation. The original debt is fraudulent. The practice of the attorney, XXXX XXXX XXXX, is perpetuating the fraud and harassment. This is abusive, deceptive, and unfair. I have good documentation of my dispute from 2011 to present. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX I filed for bankruptcy. Pentagon Federal Credit Union XXXX PFCU XXXX held the mtg to a property that I owned, so they were named in the bankruptcy. There were, In fact, a large part of the reason for the bankruptcy, which I is part of this complaint. The first reason I am filing a complaint against them This past week I called to close a member account I had with them. I kept receiving statements even though I have not used the account since XXXX. The account balance was {$5.00}. When I told the C/S Rep what I wanted he said he needed to transfer me to the Delinquency Dept. I asked why as I did not have any open accounts with them. He said I had caused them to lose money and my accounts were being treated as delinquent! I asked if he knew that I had filed for bankruptcy in XXXX and these debts had been legally discharged. He said he could only tell me what was marked on my account. He then transferred me to XXXX in Delinquency Control. She said my account was being treated as delinquent, and that the notes indicated I had caused them to lose money. I told her this was illegal. The debts had been discharged, and PFCU played a large part in why I needed to file for bankruptcy. She said she would send a request to XXXX XXXX in the Bankruptcy Dept to see if he would close the account and release the {$5.00}. They were to notify me via em. Instead i received a check in the mail for {$5.00}. So, the first part of the complaint is : I have yet to know whether they are illegally treating the debt as a delinquency and if there are still derogatory notes against me. 
The second part of the complaint involves why I ended up filing for bankruptcy. I purchased my property in XXXX under a FHA loan. Then in XXXX I became XXXX and be XXXX I had used up most of my savings and was unable to work. I was living on social security. I had a secured line of credit against my property for {$67000.00}. I requested an increase of {$20000.00}. for living expenses. Normally XXXX would pay off the {$67000.00} from the old line of credit and then issue a new line of credit for {$89000.00} with a balance of {$67.00}. So when this was not done and I had two lines of credit, one for {$67000.00}. and the other for {$89000.00} I called them. I was told not to worry I qualified for XXXX. By XXXX XXXX lines of credit were used and I was having problemskeeping up with the payments. PFCU admitted their mistake but refused to help me in lowering payments. XXXX XXXX XXXX of PFCU suggested I pay them off by taking a new conventional first mortgage through them. I told him the new payments would not allow me to pay anything else. I was told this was the only solution or PFCU would take me to court. I still have the paperwork that shows my income and the new payments that I received from them. If this is n't predatory lending I ca n't imagine what is. The end result is PFCU paid off the two lines of credit and I ended up unable to make the payments. I have all the paperwork including the lines of credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: My debit card was charge without authorization on XX/XX/2015 for {$180.00}. I did not tell them to take a payment. I was called serval times and received an e-mail to contact them. Shorty after someone took money out of my account which I needed for my rent and has conflicting effects with other bills I had! I work in this industry and this is considered fraud at my company for running a payment without consent. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Upon reviewing my Transunion credit on XXXX/XXXX/2015 I found there to be 6 Derogatory items ( XXXX, XXXX XXXX, XXXX, XXXX XXXX 2 XXXX ) AND 5 Inquiries ( XXXX ) that I know nothing of. I did not apply for credit with these companies and I did not receive credit from these collections. I disputed these items with Transunion, then proceeded to contact these companies to dispute these items as well as request information on these debt through certified mail. These companies did not respond at all. It has been more than 30 days so I sent Transunion a package with copies of all my letters of dispute to these companies as well as a request to remove these items from my file. Transunion has ignored my request. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1. Experian gives no phone number, email address or snail mail address on their website to complain about their fraud. 
2. They fraudulently claimed that I had XXXX negative items reported " between XXXX XXXX, XXXX and XXXX XXXX, XXXX '', but when I view the credit report, there are no such entries after XXXX. 
3. It is no surprise that they sell " identity protection '' of sorts, and this giving out of falsified information is simply a selling scam for their products. 

Company response: Company chooses not to provide a public response
Consumer complaint: Last year I have been getting calls from banks unpaid accounts never did business with themI had credit cards with one bank I found that they have been used by someone not meI have been sending letters to Truns Union asking to delet the accounts all they gave methe run around sent them 3 letters in 4 mouths run around. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had my info hacked as a result of identity theft, result being I received a bill from XXXX for services in XXXX. I have filled out all the forms and send copies of all pertitent info on this bill and mailed to Credit Collections Service of XXXX.I have not heard from this collection service since? 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I am writing this complaint against BANK OF AMERICA , N.A . ( hereinafter BOA ) for continually violating the Homeowner bill of rights statute. On XXXX XXXX, 2015 a letter was sent from someone by the name of XXXX XXXX ( XXXX XXXX ). I have a point of contact established pursuant to the statute CCP 2923.7 by the name of XXXX XXXX. I have requested information from my point of contact with no response from XXXX XXXX. I have delivered a letter via XXXX certified mail article number XXXX dated XXXX XXXX, 2015 to XXXX XXXX 's supervisor XXXX XXXX that was received and signed for on XXXX XXXX, 2015. 

There has been another letter dated XXXX XXXX, 2015 sent from XXXX XXXX making more unlawful and illegal threats to me. XXXX XXXX is not my point of contact according to the statute. I have requested XXXX XXXX supervisor XXXX XXXX to be my point of contact accordingly to statute CCP 2923.7 ( d ). I have attempted to call XXXX XXXX on more than one occasion leaving detailed voicemails on her voicemail. There has been no call back from XXXX XXXX or XXXX XXXX to present date. I have uploaded a declaration in support of this complaint. XXXX XXXX and BOA are proving an act to commit deceit, fraud, and concealment of an issue of material fact. Further BOA has sent a letter making a false statement by alleging BOA is satisfying the due diligence statute CCP 2423.5. I have uploaded this document from BOA to prove the false statements BOA is alleging so they can attempt to foreclose on my house they have no rights too. 

Company response: Company chooses not to provide a public response
Consumer complaint: They are requesting information from me instead of following the proper Fair credit Reporting guidelines. It has been over a year and they want a bunch of documentation and will not send valid information to verify the account owner. 

Company response: Company chooses not to provide a public response
Consumer complaint: This account has been paid in full since XXXX 2015. The company has yet to update the status and balance. It also lists late payments when in fact I was on time since XXXX 2015. I would like this account deleted if not then corrected 

Company response: Company chooses not to provide a public response
Consumer complaint: law enforcement systems did not send me a bill for the use of a bridge ( XXXX XXXX bridge ) I have payed once I seen it on my credit report nowthey will not remove it from my credit report what can I do to get this removedXXXX bridge did not have proof that they sent me a invoice they just sendit out with the u s mail and law enforcement systems never sent me a invoiceas well 

Company response: Company chooses not to provide a public response
Consumer complaint: Here we go again. Obviously Greetree is not overly concerned about their scamming tactics. This is the third complaint with CFPB about Greentree Servicing who continue with inaccurate billing and charges. 
Attached is a copy from my bank listing payments for my mortgage. {$800.00} dollars a month. My mortgage is {$700.00} a month. I have requested repeatedly that any additional monies always be applied to my principle balance. Instead it is put in an " unapplied funds account ''. Not applying the additional money to the principal interferes the mortgage being paid down accurately. 
XXXX 2015 billing statement reflects XXXX due when only XXXX is was due. So calculations for remaining balance would not be accurate. When I called the company therepresentative, XXXX stated the XXXX 2015 payment was dislocated. And again the same thing happened XXXX 2015. My payments are made electronically. No excuse for saying it as dislocatedSecondly, when the billing statements come in the mail they do not reflect the true balance remaining. I have requested a payoff statement several times and have not had I response from the company I am so close to paying off the house. But with the tactics this company practice I no doubt I will have over paid monies to them. 
I want an accurate payoff statement mailed to me. And from this point on I want any and all additional payments to be applied to the principle balance. All future billing statements should accurately reflect what the remaining balance is. This is the second time that I have filed a complaint with CFPB that pointed out similar incidents. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Citibank Best Buy Credit Card was not clear on how the payments towards their promotional balances ( 18 month financing ) were applied and were processed in a way that interests were accumulating. 

Company response: Company chooses not to provide a public response