AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have held a mortgage with Bank of America , N.A . for the last XXXX years. I received a letter notifying me that they had sold my mortgage to XXXX effective XXXX/XXXX/15. The letter from Bank of America was dated XXXX/XXXX/15 which was not the proper XXXX days notice that they are required to give consumers. I did n't receive the notification letter until XXXX/XXXX/15 which only gave me XXXX days to respond or change any payment information in time as I left for a trip the next day. Today is XXXX/XXXX/15 & I still have not received any information from XXXX even though the transfer of my mortgage is effective XXXX/XXXX/15. I feel as a home owner I should have been notified a lot sooner than I was. I had to rush & get this taken care of at the last minute before I was to leave the country for my trip. In light of all the mortgage/banking issues I take my mortgage payments VERY seriously & I had to call both Bank of America & XXXX to get the proper information I needed to have peace of mind that my payment would be applied correctly as well as my entire mortgage account. It would have been nice to get this information in a timely manner as required. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: On my Experian credit report XXXX in the inquiries section XXXX Bank has been requesting my credit report monthly. I called XXXX and they have no record or knowledge of this and suggested I dispute it with Experian so they could locate the source. Experian would n't allow me to dispute this and said they could do nothing about it. I was told to dispute any wrong information found. Are they not suppose to follow up on any questionable information on a report? This is the same company that merged me with someone else last year and it took months to resolve. Frankly, I no longer trust the any of the credit reporting companies. 

Company response: Company chooses not to provide a public response
Consumer complaint: Performant Recovery called me on behalf of the Florida Department of Education because I was behind on my loans. The lady, XXXX XXXX, told me that for my {$8000.00} student loan balance at 8 % interest, she was offering me the following : - {$100.00} to get started- {$10.00} a month until the loan was paid in full, and- that they would report to the credit agencies that I was paying as agreed. 
I asked several times to make sure that I had correctly understood this too-good-to-be-true scenario. 

Instead, they charged me the initial {$100.00}, plus {$100.00} a month. Further, when I received the contract, it said that the monthly was {$100.00}, that the interest was 18 % and would go to 24 % after the first 10 months, and that they would n't report it to the credit bureau until it was paid in full. 

Going directly to the Florida Dept of Education, I 'm {$58.00} a month for 10 years. Interest charged is at 8 %. They do n't report anything except balance due to the credit bureau. 

Be careful with Performant Recovery and others like them. The situation was n't a misunderstanding ; it was downright deception. 

Company response: Company chooses not to provide a public response
Consumer complaint: The collector used harassing, abusive, mocking, threatening, dehumanizing language. He raised his voice, and treated me as sub-human. 

In the XXXX call ( XXXX/XXXX/15 ), I asked him to call back later as I was at work. he continued to harass me until I had to hang up, as I was at work. I did n't receive a call back until he called again and immediately notified me he had reported me to the credit bureau. I never had a chance to settle the debt before being reported. 

I also did not receive mail communication of the debt until after the XXXX call, when I had paid. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got behind on my mortgage payments. When I was able to make my payment and add additional monies to the payment, US Bank would accept my payments monthly and would return my check. They stated they needed the amount in arears paid in full, they would not accept as they called, partial payments. My mortgage got farther and farther behind because US Bank would not accept any money from me at all. Who does that? Meanwhile my credit rating has totally been ruined. When I was able to pay the arears amount in full, US Bank gave me the dollar amount I owed. I sent the check only to find out on my next month 's payment that they would not accept it because they said they mis-figured the arears amount and said I owed an additional amount. That totally was and is not my fault. The next issue is I want to sell the house. US Bank gave me an appraisal amount, my realtor gave me an appraisal amount which they are close. Then US Bank sends another appraiser and the appraisal went up {$27000.00}!!! I was advised of this after I put my house on the market. This bank does not and will not work with their mortgage holders. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian credit reporting agency sent an unfavorable report on me to XXXX and when I call or go online to get a copy of the report they tell me they do n't have enough information to send me a copy yet they had enough information to send it to XXXX. same information, same person 

Company response: Company chooses not to provide a public response
Consumer complaint: Agreed settled amount was {$3300.00} per agreement letter provided XX/XX/XXXXOriginal collection date : XX/XX/XXXXAttempts to resolve : In XX/XX/XXXX I hired a lawyer to contact collection agency IQ Data International because they refused to accept my attempts of payment offers. When I would call they would insult me by calling me ignorant and stupid and hang-up on me. Once I hired the lawyer they made attempts to arrange a payment but I was informed IQ Data did not want to agree on any payment arrangement. Instead they would only state that they would garnish my wages if I did not pay a total of {$4600.00} in a lump sum. They would not provide payment options and only wanted a bank card number to collect full payment. 
In XX/XX/XXXX I received notice that they secured a judgment against t me and again the law office began contacting them for payment arrangements and again they refused every offer attempted always threatening that if balance in full was not paid they would garnish my wages. 
Finally after over XXXX emails with my lawyers and a number of calls on my behalf XXXX XXXX from IQ Data International sent my lawyer 's office a letter with a payment arrangement for a settled amount of {$3300.00} - I agreed to initial deposit of {$1500.00} and 9 monthly payments of {$200.00} on the XXXX of every month beginning XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. This is clearly stated on the letter IQ Data provided my laywer. 
When I called to make the initial deposit of {$1500.00} they took my deposit via my bank credit card as this was according to XXXX XXXX from IQ Data the only method they could accept payment. XXXX XXXX stated my card would be charged {$200.00} as noted on the agreement and then an additional 3 months of payments with the last month a payment of {$240.00}. 
I explained this was not on the agreement. He stated he did not have room to add this to the letter he provided and threatened me by saying if I did not agree to the additional charge my deposit of {$1500.00} was going to be refunded and he was going to proceed with a garnishment, then hung-up the phone on me. Even after being very reluctant to use my personal credit card due to fear of this company 's bad practice and many bad review and fraud, I provided my bank information. 
I called my lawyer 's office explained the situation and informed my lawyer I was going to file a complaint against IQ Data International and I wanted to fight the charges that they keep adding to the balance. 

XXXX emailed me and my lawyer and said we had a conversation with me but that is not correct he now wants to charge me more than the agreed amount. I am attaching his email as proof to you. 

I, through my attorney since XX/XX/XXXX have been working on correcting any bad outstanding debt caused by a custody battle that I was involve with in XX/XX/XXXX. This is the only company that refuses to provide a proper agreement for payment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX banks XXXX XXXX XXXX, XXXX and XXXX should be deleted as XXXX accts were paid in full over 15 yrs and XXXX XXXX do n't belong to me 

Company response: Company chooses not to provide a public response
Consumer complaint: Focus Receivables Management & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXXThe above listed debit collection company contacted me via letter File # XXXX referencing I owe {$130.00} from XXXX Last four digits of account XXXX. All above listed information was on letter they sent. Focus Receivables Management upon contact did not show themselves to be a legit company or any other information to provide they are not a scam but they just kept asking for personal information and this is the XXXX and only letter they sent also 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: In 2005 we were rushed through a mtg refinance and were never made aware of adj rate mtg. In the last 3 yrs denied refiance with Bank of America as we were under water on the loan and not Freddie or fannie backed so do not qualify for gov ref programs. BOA lost lawsuit, atty general said set aside $ ( in XXXX ) & help cust with unfavorable mtgs. They have refused and set me up for mod which we denied due to pymt were XXXX from original amt that we were struggling with, so XXXX pymts are impossible. BOA refuses to give us better pymts & lower int rate. Per US Legal BOA is violating court order. We want to retain home. not interested in short sale or deed in lieu, which was explained to BOA. BOA does not respond to e-mails they hav to send via portal which does not work on computer & their rep said it does not work on all comp, yet refuses to send because not secured. Have to answer ton of question to verify identy before they will talk to you very frustrating, they only need XXXX piece of info for validate. They are not lowering pyments or interest and CEO does not call or answer mail send directly to him. WE have defaulted on credit card payments to try to make mtg pymnts. Offer of mod in XX/XX/XXXX/XX/XX/XXXX was denied & BOA has not restored payment to original amt, we denied with several representatives & told denial will return pymts to original amt never happened. BOA has done XXXX drive by appraisals & all different values XXXX done by same person. Home is worth more than appraisals & appraisals are not correctXXXX is more than appraisals. Our loan is not Freddie or Fannie backed so do not qualify for gov mtg programs. Per US Legal BOA sets customers up for failure so they can foreclose. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank recently cancelled the free night award bonus which was a benefit of their club carlson credit card. I had renew my annual membership with them for this card solely for this benefit feature. US bank did not communicate clearly with me that the benefit had changed. Instead they added a small notification in my monthly statement to notify that this benefit was set to expire XXXX XXXX. I feel I was misled by US Bank as they advertized at the time I renew my membership unlimited free bonus award for any nights booked with points. my family do a large part of our banking with US bank and are not considering other options. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attend University of XXXX XXXX in XXXX XXXX, California. I have had accounts with Sallie Mae for a couple years, regarding my student loans. However, throughout the past semester I have been locked out of my account a minimum of XXXX times, requiring me to call customer care and unlock my account. Then I am put on hold for absurdly long time periods for a conversation with an agitated employee that lasts about 2 minutes. Last week I tried to call because I could n't make a payment, in one day I spent over 2 hours on hold with them and never got through. I even waited for 45 minutes the last time before I finally gave up. Because I do n't have time to sit on hold, I have been unable to make a payment as I am locked out of my account. Now they call me with a recorded voice at least XXXX a day, every single day and leave voicemails. I tried to call again this morning and was put on hold for 20 minutes before I had to go to class. It is extremely frustrating, and believe me, I would like to make a payment as badly as they would like me to make a payment. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I have been getting threatening and harrassing calls from this company, XXXX, and a lady keeps leaving voicemails telling me that she is an Investigator from the State of Va, and that there is a very serious legal matter pending with me, and there are XXXX counts of Financial Fraud that I am being charged with. She also said she was sending authorities to my house or any other address they have on file for me. She has also left messages on my son 's answering machine, my sister 's, my brother in law 's answering machine and talked to my other brother in law who lives in another state and told them the exact same thing. That I am being charged with Finiancial Fraud and she is a a Fraud Investigator with the State of Va, and that I may have a warrent for my arrest. My family has called me in a panic. I called the number back that she left with a " docket number '' she referenced and I reached a man named XXXX XXXX. When I asked him the name of the company that he works for, he said XXXX Legal, he said they are a law firm. When I looked them up, it was a collection agency called XXXX. I requested that no one else from this company contact me or my family. I also asked for the company address and fax number so that I can put that request in writting. He said they do not have a fax #. I have looked this company up and they have some very scary and threatening tactics they use, such as harrassing your neighbors and family, continual calls at home and work, and even coming to your home. I am a single parent with small children, and I am just afraid someone is going to come to my home in order to intimidate me, because the lady said on my answering machine that they will go to my address. This debt they are trying to collect is in dispute with the cmpany and has been for a while. I know that there are legal ways to conduct business, and this is not one of them, this is threatening and harrassing. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Prospect Financial Group , Inc. in XXXX XXXX, CA is an unprofessional lending group. What should have been a quick and simple refinance it turned into dealing with a company that made false promises and them dragging out the process that never went any where. They did not provide me with my good faith estimate within XXXX business days once I provided my application. On day XXXX, I still did not have my GFE. This company is out of compliance with HUD. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: The law offices of Arnold Scott Harris ( XXXX ) continue to robo-call demanding that I call them at XXXX re the debt. I actually called them back after the XXXX robo-call as I was concerned about the call. I unfortunately provided personal information to the office and the person I spoke w/could not find any debt attributed to me and promised that I would be removed from their list. I received another robo-call on XXXX/XXXX/15 and have received several others prior to this date. Please make them stop with the robo-calls! 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: In regard to my AT & T Universal XXXX Card, I have been denied " calling benefits '' as of XXXX XXXX, 2015. After contacting the company by letter ( regular mail ), by phone conversation, and by XXXX e-mails ( via the company 's secure message service ), I was finally informed in response to the last e-mail that my " calling benefits '' had been discontinued. At XXXX, I took this to mean that the entire " calling benefits '' program had been discontinued. But, apparently that is not the case. A XXXX/XXXX/2015 visit to their website, under " your card 's key features '', show 2 items : 1. Citi Easy Deals ( points ) and 2. " extend the conversation with your calling benefits. Enjoy up to XXXX free phone minutes and XXXX Directory Assistance inquiries- free each month* ''. The * references fine print. So, I 'm thinking my particular calling benefits have been discontinued for some reason buried in the fine print or this is a case of false advertising. Not being an expert in either fine print or false advertising, I need a clear explanation of what is going on. 

Company response: Company chooses not to provide a public response
Consumer complaint: I called the company to get verification of debt. Asked them to send to me in writing. They refused to, They told me that i disputed the debt, I told them i have never talked to them before so how is that even possible. They said once the debt has been disputed, i legally have to pay the debt for it to go away, and they legally do n't have to do anything. I asked them to remove the dispute comment, because i never disputed it. They refused and said federal law says they cant once its been disputed. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: In XXXX 2015, I ordered a product from Experian to get my XXXX bureau reports with my FICO score. When I ordered the product through Experian 's customer portal I was told that the FICO score was unavailable. This was very disappointing to me because I am fixing my credit and I spent my money to get an idea of my credit rating only to be set back again. Experian gave me back a refund of money, but I have no clue as to what my middle score is. 

Company response: Company chooses not to provide a public response
Consumer complaint: TCF BANK TOLD XXXX THAT LOAN NO XXXX WAS OK TO UNLAWFULLY RE-INSERT ACCOUNT WITHOUT XXXX DAY NOTICE TO CONSUMER IN VIOLATION OF F.C.R.A. THIS HAS TRANSPIRED XXXX TIMES OVER XXXX YEAR PERIOD. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter from Sears Credit Services. The letter informed me that I was sent information earlier ( I received nothing earlier ) and that if I did nothing by XXXX XXXX my Sears credit card would be changed to a Sears Mastercard. If I preferred not to accept the " upgrade '' I was instructed to call a telephone number or go to a website. I tried calling but it would not accept my card number either by entering by voice or telephone key pad. It then asked for my social security number! The website had no place to turn down the offer. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX and XXXX XXXX XXXX are on my credit reports. the problem is they both say different amounts and limits. I sent them each debt validation letter, have not recieved anything from XXXX but they extended sol to XXXX. It seems funny that portfolio sol is XX/XX/XXXX.Did recieve doc from XXXX, just what credit report says. Trying inprove credit, these were long ago. Just do n't remember. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I recently received a notice stating that the owner of XXXX XXXX is being sued for " using illegal tactics to induce students into taking out private student loans ''. I graduated from XXXX XXXX in XXXX, California, in XXXX of 2014. In XXXX 2014 I found out that my XXXX. I was not able to use the job finding services that XXXX offered. And now I find out that they have shut their doors for good. I do not feel that it is right for me and my other classmates to have to pay all this money for student loans for services we ca n't use. For example, getting help with resume writing, looking for a job, and for us XXXX, we had the opportunity to go back to the classroom to refresh our XXXX skills and other XXXX functions. 

I have XXXX student loans, XXXX through Genesis Lending which I believe they are a rip off and the other was through the Federal Loan however is now through the Department of Education through a third party. I still have not gone back to work, however will be going in for my XXXX in a week then I can be released to go back to work. This was my XXXX time getting XXXX and I feel this would be XXXX less thing for me to worry about. Having to pay for a school that is no longer there or in financial termoil. 

My loan was XXXX of them that qualified for the deduction however it was not the 40 % I was told it would be in my letter. I hope that this gets straightened out soon. Again I am disappointed that this is happening, I had no problem with my teachers at XXXX College, but the financial department was really no help and I felt like I was being talked to in circles. I feel like once I signed the paperwork to attend XXXX College, I felt like I was just another number and left feeling things were unresolved. 

Thank you 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Beginning XXXX, Rushmore Service Center LLC started harassing my workplace, my co-workers and my Supervisors. I work only a few days a month at my workplace and do not even live in XXXX XXXX SD. When the process server came to the business they showed the paperwork to our guards with personal information regarding me. They then refused to leave when told I could not come out or was not there. They followed and questioned co-workers about me and my schedule. Then a week ago they started harassing my Daughter at her apartment. They left a postcard in her door and today the taped a postcard to her apartment entry main lobby for everyone to see. Not in an envelope and had my name and her apartment # on it. I contacted the Atty General for South Dakota, XXXX XXXX and he instructed me to contact the FTC/complaint file/and to contact you. They are locating my children using XXXX and XXXX and they gather all of my children 's info, their spouse info/ssn # 's/phone # 's/neighbors # 's and cousin 's information including ssn # 's. 
They were told by my Attorney XXXX XXXX, XXXX SD, that they had to contact him and only him but they do not listen and now have released private information to my family, co-workers, guards at my work and Supervisor. I do not know what they want or are trying to collect. My spouse has XXXX and has medicare. I only work 2 days a week and travel to do that. It uses everything I make to keep coverage of health insurance at work. They were told 2 days ago by my Daughter that they have the wrong address and still posted a postcard with all of my information today in her entryway. At least XXXX people would have seen it today. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Wells Fargo Financial National Bank prefunded a vendor XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, in XXXX, Tennessee ZIP Code XXXX, telephone number of XXXX ) before the work had been completed and Wells Fargo Financial National Bank has been billing me for the balance which I have been paying monthly. I have requested Wells Fargo Financial National Bank to delay billing, but they have refused to delay billing or adjust payment due date stating the problem is between the vendor and me. 

Company response: Company chooses not to provide a public response