AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My property at XXXX XXXX XXXX XXXX, XXXX, Tn XXXX was vandalized back in XXXX, I filed an insurance claim with XXXX XXXX. XXXX sent the insurance check to XXXX XXXX XXXX on XXXX/XXXX/XXXX or XXXX. I was also in the process of doing a loan modification on the house because my brother moved out and I could not pay the mortgage for that property and also the property where I reside currently. Needless to say, XXXX XXXX XXXX never gave me the check for the repairs. Soon after, they sold the mortgage to Select Portfolio. I tried to sale the property and when I got a contract, codes ended up demolishing the property before my closing date. Now, there is no property ... but I still get mortgage payment requests, calls from SPS, my credit over the years has been destroyed and now I have a lien against the lot for the demolition! I do not know what to do at this point! The mortgage company will not foreclose, they will not allow me to surrender keys, I can not file a chapter XXXX at this time either. I am seeking guidance on what direction to take to file suit against the parties that caused this adverse affect on my life. SPS were made aware of the demolition at lease 90 days prior to it happening and they were also aware of the insurance money being held for repairs! I tried for years to get the money with no success so that I could make repairs and put a renter in there to start paying the mortgage! XXXX I told them I would be seeking counsel, they sent me forms informing me that I should get a quote from a contractor for repairs in an amount close to {$9000.00}. This was after the property was demolished. Please help me!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We are a small business and have used our Bank of America credit card to pay for a plumbing service. We have provided the credit card number to the plumber since otherwise he will not even go to look at the problem ; however, by doing that we did not authorize him to charge any amount to our card. We provided him with the credit card number like we do when we purchase other things from our Air Conditioning service supplier or XXXX or XXXX XXXX or any other of our suppliers. None of those suppliers charge our credit cards prior for us to review the charge and approve it. Once the plumber went to the job place we asked him to do the job and provide us with the invoice ; not even then we authorized him to charge the credit card since we did not know the charge amount. Instead he asked the tenant to sign the invoice in our stead and charged the card without our approval ; he provided the invoice to us afterwards. We have disputed that charge with Bank Of America showing that the amount was charged without our approval and that we authorized it to pay the merchant a different amount ( {$300.00} instead of {$660.00} since the job was not completed and the charge included an item that the plumber did not work on but that was included in the invoice - snaking the entire drain ; our technician went and verified that and the access panel on the main drain has not been touched ). Bank of America closed the claim saying that once we gave the merchant our credit card number he was authorized to charge it. Is that how it is supposed to work? 
We completely disagree. When asked ( by the other authorized user and company principal ) to provide us with a proof where Bank of America disclosed that information to us when we signed the credit card agreement, supervisor XXXX in the Claims department said that we do not have a claim anymore and we have to pay the amount charged since we authorized the merchant to charge our credit card when we gave him the number. Why do we have to sign, review or approve any other credit card charge when we use that card for different purposes? We have XXXX credit cards stored on the XXXX website, why whould n't XXXX charge us for a product that we did not need just because it has our credit card numbers? Simple, because it asks us to review and approve a charge before it charges anything. Well, the plumber was provided with the credit card number and was asked to supply an invoice for us to review and approve. Instead he charged the credit card number directly and Bank of America approved the charge without our approving it. When told that we will not pay a part of the charge that the plumber charged and did not provide service for BofA 's XXXX told us that we will be sent to collection. 
We ca n't afford to take this {$660.00} charge to a court - we are a small business, however, we believe that BofA process does not work the way it is supposed to and that the plumber charged our card fraudulently. 
Please advise and help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for the Making Home Affordable program ( 2 % interest rate ) HAMP Tier 1 and/or Tier 2 through my mortgage lender, SPS. For the last few months, I 've been having a difficult time paying my mortgage and been trying my best to stay afloat. My expenses have increased. To make ends meet, I exhausted all my reserves and looked for help from SPS. I want to be evaluated for every loan modification alternative including the HAMP program which is the lowest and most affordable mortgage payment. I also want a decreased interest rate to 2 % through the HAMP program as well as any incentives. SPS has been delaying consideration of my mortgage application, losing documents, constantly requiring additional items, making me submit new documents because the documents I previously sent to them are now outdated ( the lender dragged their feet ), dual-tracking ( filing a foreclosure complaint while a modification is pending review ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/2014 I wrote to Diversified Consultants requesting proof of the debt that they alledged I owed but never received a response to the information that I requested and they are constantly verifying this information to the credit bureaus. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX phoned me about a malicious virus i had on my computer and charged me XXXX dollars to have it removed for a lifetime of any computer problems i might have in the future here is his bill he sent through pay pal. Yesterday i got a call saying the same thing from a diffrent company Go To Assist Company telling me the same thing so i went to my first co. and told them about it and they said there 's nothing they can do about it without charging me an addional XXXXTransaction DetailsPayment Sent ( Unique Transaction ID # XXXX ) Original Transaction Date Type Status Details Amount XXXX XXXX, 2015 Payment To XXXX XXXX Completed ... - {$470.00} USDRelated Transaction Date Type Status Details Amount XXXX XXXX, 2015 Charged XXXX Credit XXXX XXXX {$470.00} USDSent to : XXXX XXXX ( The recipient of this payment is Non-U.S. - Verified ) Email : XXXXXXXXXXXX amount : ( in currency funded ) - {$470.00} USDYour fees : {$0.00} USDYour total charge : - {$470.00} USDPayment amount : - {$470.00} USDXXXX XXXX XXXX fees : - {$20.00} USDXXXX XXXX receives : {$440.00} USDDate : XXXX XXXX, 2015Time:XXXX PDTStatus : CompletedFunds will be available to your recipient on or before : XXXX XXXX, 2015Note : The recipient can send or spend the full amount on this date. If the recipient wishes to withdraw money, limits may apply. 

Subject : You have sent {$470.00} USD to XXXX XXXX with PayPalFunding Type : XXXX XXXX Source : {$470.00} USD - XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I keep getting a call from a company that I do not know who they are and have asked to not call again, yet they continue to call. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Regular checking account with Bank of America since the late XXXX 's. I 'm not an XXXX XXXX so I used to use it when I travel to the XXXX. Since XX/XX/XXXX I stopped using the account and left a balance. The bank inactivated my account so I could n't withdraw money any more, nor received further bank statements or access online to review my statement. 
I tried to activate it in XX/XX/XXXX, and now they have activated it, they sent me a statement and charged {$14.00} dollars as a monthly maintenance fee and noticed they have done so for the last 12 months now that the account is active. 
So I called them and asked them why they have charged me for twelve months of maintenance fee over an account they inactivated and they said that they can not return those charges because the account was opened. It sounds unfair to me that they inactivated an account, stopped sending me statements, blocked my internet access and now that I reached them to see what happened to my account they take advantage there is a balance in the account and charge directly 12 months of fees of a service they did n't provide. There was no straight answer to that but any way they argued they can charge it because the Regular checking contract says so. If so, why then they blocked my account? What about their part of the contract about having the account open for me all these years? 

Company response: Company chooses not to provide a public response
Consumer complaint: Purchases were made at multiple merchants which were expected to qualify under promotional rewards earn. Promotional bonus was not applied. Contacted via online message. No resolution. Contacted by phone. No resolution. Closed account due to " gotcha '' marketing and refusal to honor offer. 
Marketing copy lists " Home Depot '' and " XXXX and XXXX Stores ''. Any reasonable person connects the XXXX, and associates Home Depot as a XXXX and XXXX ' store. Even in the disclosure below nothing indicates those XXXX should not be associated. I prefer shopping at other 'home and garden ' shops -- -XXXX and XXXX XXXX . A simple google search yields that these all offer comparable products and services. There is no reason to believe any of these would be treated differently. 
Ultimately I missed out on bonus rewards for {$480.00} worth of transactions, or {$24.00} worth of rewards. 
Marketing copy is deceptive and disclosures are inconsistent and unclear. XXXX refused to acknowledge or rectify this on the XXXX customer that called them out. If I had put other transactions on the card, it is unlikely I would have even noticed this. That is not an acceptable way to treat consumers. If they are not willing to honor the promotion, they should not have it out there to begin with. There is likely a reason why they no longer offer this product -- -clearly this category bonus scam has caused similar frustration from other customers. 
Attached documentation supports and validates all information claimed above. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, I contacted this collection agency to request that they change a comment on my credit report. Long story short, there are XXXX medical collection accounts that are reporting to my credit reports by this Fox Collection Company that were showing in dispute ( because I was n't sure what they are so I asked the bureaus to investigate ). Anyway, I called because I know what they are now, and I do not want the dispute to continue. I requested that the dispute comments or codes be removed from my credit items so they are no longer showing in dispute. Fox Collections requested that I send an email so they have something in writing from me showing I am no longer disputing the accounts and to remove the dispute language ( I have this email as proofs FYI ). Fast forward to approx XXXX XXXX - I applied for a mortgage loan and was denied because Fox Collections had n't removed the dispute language from my credit report. I called Fox Collections and was told that yes, they WOULD remove the language/codes but it would n't be reported correctly until XXXX XXXX. XXXX XXXX ... re-applied for mortgage - dispute language/comments/codes still on credit report. I proceeded to call FOX Collections AGAIN- they were very rude - claimed now that they did n't say they would remove the dispute language OR that they received my email requesting the accounts to no longer be in dispute ( again, i have proof I sent this email on XXXX XXXX ) and they said it was my fault ANYWAY because I did n't pay my bills. 
This is unbecoming of any company let alone a collection agency. I also know my rights under the FCRA and FDCPA. They can not misreport information to my credit report. I have easy to follow trail requesting that these XXXX accounts are NOT showing in dispute. I as the consumer have the right to request an investigation and the right to decide not to dispute accounts any longer. They are misreporting that my accounts are still in dispute to PURPOSEFULLY and WILLFULLY DAMAGE my reputation and hold me back from qualifying for a mortgage loan. When I told them this, I was placed on hold for about XXXX mins ... and then call was disconnected. Now they wo n't return my phone calls. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Debt collection agency - Harris & Harris , Ltd of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX, telephone XXXX, sent me collection letter dated XXXX/XXXX/XX/XX/2015 demanding payment for debt that is already paid with original debtor. I sent a letter to collection agency dated XXXX/XXXX/XX/XX/2015 denying the demand was valid and stop any further collection attempt regarding the debt. The denial letter was mailed within 30 days of the demand letter. After the 30 days expired from the date of the demand letter, the collection agency sent a XXXX demand letter dated XXXX/XXXXXX/XX/2015 for the same debt. Collection agency did not acknowledge receiving my letter stating the debt was invalid and is continuing collection attempts for an invalid debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: on XXXX XXXX 2014 i, XXXX XXXX had my purse stolen out of my vehicle and have police incident report.i then called all my banks and credit cards to cancel.Bank of XXXX is the only bank not allowing me to close my account till this day cuz of not XXXX balanced..in XXXX i spoke to XXXX XXXX and arranged financial difficulty payments and already paid XXXX payments and still not closing my account and my numbers keep going up instead of down..XXXX owed on my checking and i didnt agree on that but arranged payments anyway ... XXXX on my credit card account totaling XXXX..still charging me fees and late payments wen its stolen nobody knew about arrangements..then got a hold of a lawyer and no respond to our letter, ,i just want my account closed and i only owe XXXX to the checking if that XXXX on my credit card minus the charges.lawyer was XXXX XXXX FILE # XXXX. to show that i followed thru and they have not and its fraud, 

Company response: Company chooses not to provide a public response
Consumer complaint: A debt collector called Credit Collection Services keeps calling my work phone and leaving voice mails on my work answering machine. I have caller ID so the number they are calling from is XXXX. These calls are constant throughout the work week and I 've even come into them on a Monday where they 've left them on the weekends. They are calling all the time. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Quicken Loans has given me XXXX approval letters stating that my loan has been approved and FULLY underwritten in accordance of the underwriting guidelines. 5 days before closing XXXX XXXX, Solution Consultant for Quicken Loans, informed me that they still needed more time and that the loan HAS NOT been approved by their underwriters. Due to this, I have lost ALL deposits for the purchase of the home I was interested in buying since the approval letter was emailed from the loan consultant to my broker. A total of {$3300.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank advertised that if I use my credit card for purchasing home furniture, I get back 5% on my purchases.  I had several other credit offers in the mail, offering various % back on purchases, and I decided to go with my existing Citibank credit card because it offered the highest % back.  When it came to paying the 5%, they said that the merchant classified itself with Visa/Mastercard as a "specialty" merchant, and they will not pay my 5%.  I contacted the merchant, the merchant stated that their business was set up years ago, business classifications were different back then, and they are more than happy to verify  for Citibank that they are EXCLUSIVELY a children's home furnishing store.  They also have a website that confirms this:  XXXX  My purchase definitely qualifies for the cash credit.  I contacted Citibank again, and customer service has no interest in verifying any of the facts.  They just simply denied my cash back.  I could have used another card that maybe gave back less, but no tricks involved.  There was nothing on the website saying that if your merchant set up its business decades ago and is not classified this and that, you won't get any cash back. Citibank uses common sense, plain XXXX in their advertisement to pull you in their misleading deal ("5% cash back on home furnishings") but then have tricks to get out of their obligations when it comes to paying.   I could have had money back from other credit card companies and not use Citibank in the first place.  They owe me money as far as I am concerned.  I have been a Citi customer for YEARS and paid my bills on time.  I expect to be treated with respect.
Company response: Company chooses not to provide a public response
Consumer complaint: My divorce decree indicate that my ex wife to pay all medical expenses created by her children. A collection was placed on my report resulting from her failure to pay the medical bills from her daughter. 
I have disputed the issue with Experian and they sent a report stating the collection will remain and to work out a payment arrangement with the creditor 

Company response: Company chooses not to provide a public response
Consumer complaint: I owned the property which is financed by XXXX XXXX XXXX XXXX. I divorced and the ex-wife was awarded the property and all responsibility was placed on her for the mortgage of the property. Absolute divorce was granted on XXXX XXXX 2007. This is the only item that is negative on my report and I wish to improve my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: This morning at XXXX CST I received an email from XXXX of my Credit Cards - XXXX Bank for XXXX Credit that XXXX payments legitimately made from a joint banking account with Bank of America were advised unauthorized. The amounts are as follows : {$97.00} $ XXXX XXXX Bank for XXXX Credit they received the dispute on XXXX XXXX, 2015 from Bank of America XXXX I have proof that the individual that is making these disputes on the Bank of America account was also an authorized user on the XXXX Bank for XXXX XXXX account. This seems to be an on-going matter with Bank of America allowing payments to be disputed and not doing a proper investigation on this matter. This is a direct violation of their fiduciary duty and they ca n't allow payments to any vendor to be removed. I was an active user on the Bank of America account until XXXX/XXXX/15 - I have proof that I was an authorized user on the account that the disputes were coming from.This is completely affecting my credit and I should n't have to pay for something that was authorized. My ex became extremely abusive hence the reason why I removed myself from the account on XXXX/XXXX/15. I do not think it is fair that they are allowing this foolishness to happen. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX I closed my XXXX account where my XXXX loan payments were drafted automatically every month without any delay. At that time, I setup through ECSI 's website an automatic payment to be drafted from my XXXX account starting on XX/XX/XXXX even increasing my minimum payment of {$59.00} to {$81.00}. I noticed that my account was drafted on XXXX and assumed that I had setup correctly the automatic payments. On XXXX XXXX I received a call from XXXX ( XXXX XXXX ) stating that the XXXX payment has not been received and I was due XXXX, XXXX and a fee of {$30.00}. Immediately, I called XXXX and spoke with a representative by the name of XXXX and explained him that I tried to setup through their website the automatic payments, and please go ahead to take my new XXXX account information where the monthly dues were to be drafted. He advised it had been done and starting XX/XX/XXXX at that time I went ahead and made a payment through the website for {$150.00} which represented XXXX, XXXX and the late fee. In XXXX XXXX I called again because I received another call and when I called back I spoke with XXXX. She advised that the XXXX payment was still missing and that I owed XXXX ( again ), XXXX ( in XXXX ) and another {$30.00} fee totaling {$210.00}. At that moment I requested automatic payments to stop thinking that XXXX had declined the transaction. I went ahead and called XXXX to ask for an explanation where they told me they had not received any request to debit my account from XXXX or XXXX. Then I called back to ECSI and was advised that they tried again to collect in XXXX from XXXX and could n't collected the payment ( even when I had specifically asked for that account to be removed from the system ) and that the payment I submitted of {$150.00} did n't cover the XXXX payment because it was applied to interests and I was due XXXX, XXXX and a fee of {$35.00}. Note that I have not been late since I started with this loan. I see this as a very unfair practice from this lender and I recommend the CFPB to look into this as they are collecting fees unfairly from their borrowers due to a mistake in the way their system is configured and poorly trained representatives. Such fee I have been advised twice that is not possible to be removed. I am supposed still to receive a call from a supervisor in XXXX business hours. I appreciate your time. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had an identity theft and provided the police report and id theft package ( we now knew who did this via the FBI contacting me ) via fax last night they claimed they never received it previously. I called to day to verify if XXXX received it, she told me she had, She said she had competed her investigation and had determined I owed the debt and that if I did not pay by credit card right now she would have me arrest and thrown in jail. I told her it was illegal for her to to try to collect a debt a debt I do n't owe and to say she would have me arrest and I demanded she provide me the method and results of her investigation in writing, she refused and finally put the owner of the company on the phone. The woman said she was XXXX and refused to give me her last name. She also said she had reviewed the account and has concluded I owed the money she also demanded payment of these debts I do now owe, I told her she was breaking the law telling me she was going to sue me, she is refusing to show the method and findings of an investigation concluded in less than 10 hrs after receiving the ID theft and police report. I plan on hiring an attorney to sue these people and need your help in obtaining their names etc so I can file a complaint against them in federal court. I have just received a very large inheritance and I now have the money to hire an attorney. XXXX of the acts is XXXX XXXX XXXX XXXX XXXX XXXX ER XXXX XXXX XXXX XXXX I I have spoken to him he has never treated me 

Company response: Company chooses not to provide a public response