AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Back in XXXX, my former husband and I purchased a house together. At some point, the mortgage was transferred to Bank of America. In XXXX, we went through a non-contested divorce, and he agreed and the court confirmed that he would assume responsibility for the mortgage. At the time of the divorce, I contacted Bank of America and requested separation paperwork which I filled out, signed and submitted. Evidently, my former husband did not fill out his portion of the paperwork. I followed up with him and was made to understand that my name was off the mortgage. A few months ago, I signed up for online banking through Bank of America, because my XXXX rewards card had been transferred to them. I discovered the mortgage was still listed in my name as well as his. I contacted my former husband and he told me he was working on refinancing the house. I also called the mortgage division of Bank of America and asked what I needed to do to get my name of the mortgage. I was treated in a very rude and condescending way. The representative said, " I do n't care what the court says. It does n't matter ... .You are responsible for the loan! '' My ex-husband assured me that the refinancing process was underway. Then a few days ago, I received an email from Bank of America indicating that I was in danger of defaulting on the loan and threatening that my credit rating was in danger. I again contacted Bank of America and explained the situation. While this representative was a bit kinder, she again said that it was up to me to cover the loan or that the activity would be turned over to the credit agencies. I contacted my ex-husband and it turned out that as part of the refinancing process ... two payments had been made on the final mortgage payment to Bank of America and they had applied both to the principal instead of to the payment. So it was their own mistake which resulted in the call and the contact. Their choices resulted in a huge degree of stress and fear for me. And they blamed me for it. Fortunately, the refinancing is complete and the account will be closed in two days. But their insensitivity and lack of coordination resulted in a great deal of anxiety for me. I pity former spouses who do not have good relationships with their ex husbands and ex wives. I 'm not sure why court orders do not apply to financial institutions or what measures divorced people must go to to enforce those decisions, but I am very unhappy with the way I was treated by Bank of America. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I receive 6-8 calls a day from different area codes but the same collector to get around the harrasment statutes. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Recently, Bank of America lowered my credit limits on XXXX cards without basis. When I questioned them they told me it was due to XXXX reporting my account overdue -- -which was reversed after I filed a lawsuit against them. They dropped me {$6000.00} from XXXX cards causing me to have to drop out of school. When I researched it with XXXX XXXX, I saw that though Bank of America promised to remove a hard inquiry that was done without my permission, it was still on my credit report. I called and spoke with XXXX XXXX, who told me that though the president 's office told me they would have it removed, it would just fall off in two years. She told me that though I had never been late for any payments, they lowered my credit cards and did n't care how it effects my good credit. When I asked for this to be escalated, she outright refused. Now, I have to drop out of school. I told her that XXXX made a mistake on my report, but she said they would have to foist another hard inquiry upon me in order to check. When I told her I sent a certified letter to the president she also told me he would not help me and that though I 've never missed a payment, they did this because of what XXXX did to me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX of last year, I switched from paying monthly to bi-weekly with XXXX extra payments to be paid each year. I was told by a Wells Fargo customer service representative on XXXX XXXX that the extra payment of {$970.00} I made in XXXX ( Please see attached copies of my bank statements ) would be applied directly to principal ; however, when I called in XXXX of last year to ask why the extra payment had not been applied, I was told that the first payment toward principal would not occur until XXXX and the second in XXXX. 

My questions are : Why was the extra payment I made in XXXX, which is clearly shown in the attached bank statement, not applied to the principal immediately? Especially since I was told that this is what was going to happen? In past experience, as this is not the first mortgage I have had, each time I made an extra payment toward principal, it was applied immediately and it also affected my long term payment plan. Moreover, what happens to the extra payment I paid in XXXX? How on earth can they get away with this? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am sending in a second request to Experian for my free credit report - I completed the annual credit report form I down loaded off the annual credit reports site as I do every year and mailed in and ever year Experian comes back saying they can not fine me and like now there letter says I did not provide the required information yet I have my information from the other XXXX. It seems that every year they do this to me and I send back a letter with a copy of the completed from and threaten to notice the FTC and you about this - all of a sudden they find me and provide XXXX copy - so my question is why do you allow them to get away with this - I just want my report I do not want my score etc - but every Experian does this 

Company response: Company chooses not to provide a public response
Consumer complaint: This was removed from my credit report then it reappeared. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I obtained a mortgage with Countrywide Home Loans now Bank of America.That mortgage was for {$120000.00}. In XX/XX/XXXX despite having made all my payments they filed an action for foreclosure in XX/XX/XXXX. I obtained a refinance from another company XXXX XXXX which will be the subject of another complaint as XXXX did not pay-off Countrywide despite having received 4 years of mortgage payments from me. After 5 years of working my way out of chapter XXXX then chapter XXXX bankruptcy in order to keep my loan I finally made it into a loan modification program. Of course in order to foreclose on me Countrywide/BofA filed phony paperwork, with forged signatures etc. etc. I did hire bankruptcy attorneys. I working contract did not work for three months. I started a new job XX/XX/XXXX. I notified my attorneys and also Countrywide that the first payment would have to wait until I got paid. I not actually being a career criminal like XXXX XXXX, have to wait until I got paid. Countrywide/ BofA refused to disclose to me the amount of the principle that I am required to pay. They are arrogantly demanding that I somehow acceed to their crazy XXXX demands for payment on their terms. I say this as BofA received billions of dollars in bail-out money despite using fraud to 1 ) Give mortgages to anyone who had a pulse 2 ) And throwing XXXX Americans out of their homes 3 ) No one in BofA/Countrywide ( XXXX XXXX ) has ever been criminally prosecuted for their financial crimes. Now I think Countrywide is demanding $ XXXX.Countrywide refused loan mediation demanding that I pay for it. I say I think because Countrywide has never given me paperwork. I would like to be a company that can flout the law, take a {$120000.00} mortgage and turn it into a {$250000.00} debt, never be prosecuting for their crimes, destroy people 's lives and never have to be held accountable. I would like to be a company that has done more to foster XXXX by tearing apart families, throwing people out of their homes, than any " XXXX '' alive or dead.I have worked my entire life, bought a house when I was XXXX. I have endured years of gender discrimination against women by working in XXXX.XXXX. And have had to spend years in court trying to keep my house which leaves me at the age of XXXX living in financial poverty despite having been a high earner my entire life. I have spent a small fortune on lawyers ( which says a whole lot about their competency ). I would like Countrywide/BofA to actually take the loan modification seriously and work with me to reduce the principle.I would really like people to be prosecuted for financial crimes. 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed up for a one-off credit report from Experian - a service I wanted to receive. After a few months I noticed that I was being billed monthly for {$19.00}. I did not notice this the first 2 months but then I phoned to query it. I was told that when I signed up for the one-off payment there was some small print that said I was given membership of a monthly credit check service that was initially {$5.00} but would increase to {$19.00} if I did not sign out of it. I do not recall this and would not have signed up for any monthly membership - even at {$5.00} - because it is a service I do not want and do not need. I called Experian to cancel the account and get a refund. They canceled the account but would only refund one month 's payments. I want all the payments refunded as they are for a service I did not want or need - and one that I was tricked into consuming when I was only trying to get a one-off credit check - which was the advert that I saw and to which I responded. I am extremely careful with my financial affairs and would not sign up for a service like this. The advertising is particularly misleading as it relates to buying a one-off report but has set up a monthly service in an underhand way. 

I spoke with a manager for whom I have the name and contact ID which I can supply as well as my Experian account number. 

I would be very grateful if you could pursue this case - and publicize the misleading and unfair way in which Experian has acted. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: While going through the process of a 8 year divorce, I had relinquished my home at XXXX XXXX XXXX XXXX, Ca to the mother of my children. Court documentation stated that she had full custody of my children ; additionally, I wasnt abreast of their activity, nor was I granted any visitations. I extended the business to continue the last contract up to XXXX upon which all funds received went directly to her to a bank account that I had know access to. I recently checked my credit and found that in XXXX, XXXX and XXXX several liens were placed on my credit unbeknownst to me. My address has been in XXXX XXXX for the past 6 years. The updated status of these liens have apparently been satisfied/released and this has caused more of a hardship upon me to function in todays economy. I have know knowledge what these were placed on my credit for, for I havent been in contact with her and I still have to go through her if I wish to speak to my now XXXX XXXX XXXX son. I feel that due to her knowing my personal information, that my name and information was used in of hers for whatever these liens are applied to. I need to see proof of my acknowledgement, signature, etc ... something showing that i was aware or responsible for any of this. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently check my XXXX credit report and there is an exaggerated past due amount of {$16000.00} from Barclays Bank Delaware. I do not owe this amount of money or am I conducting business with this company. 

Company response: Company chooses not to provide a public response
Consumer complaint: We never received our property tax check. We called US Bank in XX/XX/XXXX. US Bank told us they were fed exing the property tax check. We never received it, and followed up with US Bank in XX/XX/XXXX. US Bank promised to wire funds directly to the government where the property taxes were to be paid. We received confirmation from US Bank that the property taxes were paid XX/XX/XXXX XXXX. In XX/XX/XXXX we received a notice from our village that the property taxes were not paid. Followed up with US Bank XXXX XXXX. US Bank noticed that only {$80.00} was wired for our taxes. They said they would cover any penalties and pay the taxes. Followed up with village today, XXXX XXXX, and taxes are still not paid. Followed up with US Bank. They are now still researching. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My mortgage was recently sold to Loancare-A XXXX XXXX Company. Loancare appears to be unwilling or unable to provide information on my escrow calculations. Loancare does not have a mechanism for customers to speak with decision makers. XXXX60 minute phone holds result only in a message being taken. Email and web contacts go weeks without answer. I simply want Loancare to show my escrow calculations as they do n't match tax and insurance expenses. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have told Ally Financial to stop calling me at least twice in writing, which there website automatically sends me a copy of from them. They continue to call over and over and now are calling my relatives. I just want them to stop harrassing me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a Macys credit card which seems to be administered through Citibank. I made a purchase of {$130.00} on XXXX XXXX 2015. I missed making the payment so was charged a late fee of {$25.00} and an interest of {$2.00} in the statement dated XXXX XXXX, 2015, a total of {$150.00}. I paid the amount and was inexplicably charged a {$2.00} fee XX/XX/XXXX totaling to {$6.00}. I called and asked about this fee, and none of the credit card executives could provide a coherent answer. The last person I spoke to offered to remove {$4.00} in fees if I paid {$2.00}, which again, made no sense. 

Company response: Company chooses not to provide a public response
Consumer complaint: attachment : pg XXXX shows credit of disputed bill - pg XXXX new address and account # with disputed amount credited - pg XXXX previous account number will bill in dispute. ///// I disputed this bill and was given credit on my account. It was a move and transfer request that was fouled up by XXXX XXXX XXXX. The credit amount ( XXXX ) is not exact because of taxes or some other internal computer function, I suppose. Stellar Recovery also rounded to the amount owed as {$67.00}. 
When the issue was correct at the XXXX office with a representative I showed her the notice that it was going into collection but they did not follow through as they should have. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2010 our clients purchase a manufactured home which had a lien from the previous owner. The mortgage was paid in full on XXXX XXXX, 2010 but a release of lien was never provided and now our client is in the process of selling their home. I 've requested, on 5 separate occasions, a release of lien. I 've provided all proofs to show that the lien/mortgage was paid in full. They lien holder has not acknowledged receipt of any of my requests. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened an account with US Bank in XXXX 2010. I was fed up with XXXX XXXX at the time, but eventually went back to them because they are the best big bank. I opened the account with them because I have a few student loans with them. I was working at a XXXX at the time and did n't have a big income. I over-drafted a few time, but always paid the fee. I never set up any automatic payments with them for student loans, bills, etc. I closed the account a few months later because there interest fees and high over draft fees. I got a phone call today, five years later, that I still owed US Bank XXXX. XXXX. I closed the account five years ago and the balance was current. How could I close an account that was negative? They sent the bill over to a collection agency to settle the account. Why I am being harassing from a collection agency five years later about a bank account I have for a only a few short months? Why am I paying fees on an account I did n't even use? Why this is now going to hurt my credit? I am extremely frustrated and fed up with US Bank bullying me around. I find the XXXX to be insulting and overbearing. I am student loan victim and am currently making minimum wage and tips as a server. XXXX is nearly a whole weeks work at times. I also give US Bank XXXX every month for my student. How can they get away with this? 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2016, Citi Bank closed all my credit cards unexpected and about XXXX thank you points was forfeited. I always pay my credit card pills on time and never miss a single payment. I have paid the hefty annual fees on multiple cards and just lost all benefits I should enjoy upon the account closure. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX credit card service declined my auto payments. When I called in they stated it was due to my card had expired. My card good thru date shows XXXX. They advised on XXXX they would issue a new card with an updated good through date reflecting XX/XX/XXXX. I received the updated card on XXXX only to have an even earlier expiration date of XXXX. If a card has a valid good through date there should be no reason why a card charge should not go through. They asked me to activate the new card which will expire next month. This does me no good by my auto payments will get rejected once again. The person who is not returning calls is XXXX and her number is XXXX. I 've reached out to her 6 times and left 2 messages and have not heard back. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: " This complaint is related to the Fair Credit Reporting Act. 

My Ch. XXXX bankruptcy was discharged in XXXX 2015. The Trustee notified my mortgage company ( Greentree ) in XXXX 2015 of the discharge. Greentree mortgage merged with Ditech mortgage in 2015. In XXXX 2015, my attorney sent copies of that discharge notification to both Greentree and Ditech. 

Ditech continues to report this account as an account in active bankruptcy. 

I have spoken to multiple representatives regarding correcting this. ( XXXX/XXXX/15 XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX ) I have been told that XXXX XXXX ( id XXXX ) & XXXX ( id # XXXX ) have been working on resolving this matter. I have left XXXX messages for their Manager XXXX XXXX. To date, I have yet to receive a return phone call. 

Can you assist me in resolving this inquiry to have the Ditech report this correctly to the credit reporting agencies? '' 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: The City of XXXX charged had a balance due of {$77.00} but Fidelity Credit service charged me over a XXXX % penalty for using them as a debt collection service for a total of {$100.00}. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have paid my line of credit with TCF in XX/XX/XXXX. I called and asked for my account to be closed. I was told that I need to sent a fax, which I did. However, I had a servicing fee of {$50.00} assessed on XX/XX/XXXX for a balance of XXXX during XX/XX/XXXX. I called again and I was once again asked to send a fax. I did send a fax together with the following email ( to XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX ) : **** email copy***** Dear TCF representative, I, XXXX XXXX XXXX , would dlike to close my account XXXX. I have paid my loan and do not need the credit line anymore. I would like to ask ( per my conversation with XXXX customer service representatives ) that the assessment fee of {$50.00} be retroactively removed. 
Thank you very much and kind regards, XXXX XXXX PS The above was the text in the fax I sent on XX/XX/XXXX. I am not sure why things did not go through ( I do have the fax being successfully sent receipt ) **** end of email ***** Now I have a new charge in XX/XX/XXXX, once again of {$50.00} ( which they draw against my debit card with the threat that if I do not pay, I 'd have my credit score affected ). My balance continues to be XXXX as I have long repaid my mortgage. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They sending a bill i dont owe at all, they just post it on my 3 credit report 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a private student loan with Wells Fargo Bank, Thus far they have attempted to collect my debt from ONLY XXXX co-signer. The one who happens to be the richest our of all of my co signers ( I only have XXXX loans and XXXX co signers ) I am trying to consolidate the XXXX loans. They have rejected the XXXX co signer I have ( My spouse ). I am an XXXX and do not have anyone else to offer up as a co signer. When I explained this to Wells Fargo, I was told that did not matter that I would have to find a co XXXX or pay the monthly payments as they are written out per the terms of the loan. I have gotten them to verify that they are charging me XXXX the interest rate that was agreed to. When asking for an explanation they had none. All I am trying to do is lower the payment, what they want and what I can afford are XXXX different things. Currently my XXXX in Federal Loans is cheaper that the XXXX I owe to Wells Fargo. Wells Fargo has admited to not contacting me to advise that loan payments were due, They contacted my co signer and advised him that he was required to pay the loan in full or be subjected to a negative credit report. Today I called Wells Fargo again attempting consolidate or re negotiate my loan pmts. I was told that there was nothing that they could do until I found a new co signer. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response