AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I modified my mortgage with Bank of America in XXXX XXXX. I have paid my mortgage on time each month since that time. XX/XX/XXXX I receive a package from Bank of America stating that some of the documents from my modification contained errors that prevented them from recording the modification with the county. Included in the package were XXXX separate sections needing signatures : The Loan Modification Agreement, the Amended and Restated Note, and a third signature page with the words, " Page XXXX of XXXX, '' on the bottom, missing any accompanying page XXXX for that particular page. It is a different font and format to either of the other sections, so it clearly is a separate section. 
The package offered a {$500.00} compensation for my inconvenience and offered to send a notary to our home at no cost. 
We ignored the first XXXX sets of paperwork but by the XXXX set we began questioning it. We brought it to an attorney who advised us not to sign it for at least XXXX reasons : the amended and restated note changes the terms of the original modification by adding an entire section titled Grounds for Acceleration of Debt ; and because of the section that includes a page XXXX without the accompanying page XXXX. This is not erroneous, as the packets came with this signature page and no page XXXX in each of the XXXX packets. 
When I called to inquire about these concerns, I was told that the page XXXX was a printing error, and that it was simply a continuation of the page XXXX of the Loan Modification Agreement but that both would still need to be signed. As I noted before, the font and format of these pages are completely different and thus the mortgage company lied to me and is deliberately hiding something from me. They are trying to pressure me into signing this page with false information. With regard to my concern about the additional terms that change the original modification I agreed to, they simply said it had to be signed or the modification would not be recorded and I would have issues when trying to sell the property. 
I am trying to put the property on the market and need this resolved before we find a buyer, otherwise Bank of America 's mistakes will cost me a lot of money. This entire situation is suspicious due to the fact that six years have passed since the final paperwork was signed but only now they 're trying to fix whatever mistake they really made. I need answers and I believe Bank of America 's actions are unethical at best and criminal and fraudulent at worst. 
I have included XXXX sets of documents ; the XXXX is the packet we received XX/XX/XXXX and the XXXX is the original documents from our modification. I have additional documentation if needed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: From XXXX XXXX till XXXX XXXX I had an account with a limit of {$2500.00}, soon raised to {$2700.00} dollars.The highest I ever had the account was just over {$500.00}. I was never late with a payment and in good faith made twice the payments needed, most well over the minimum asked for. Of those XXXX payments XXXX bank drew from the wrong account, the one I had closed. The moment I was made aware I corrected it and resent a payment from the correct bank, XXXX XXXX. Never ever, even with XXXX screwups, was I late on a payment. Yet because of XXXX screwups my account was abruptly closed, and with XXXX reputation I 'm sure you 'll try and XXXX with my credit rating for your own amusement. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bank of America ( BofA ) has not honored a {$300.00} checking account promotion I signed up for in XXXX, and fulfilled the terms on. BofA was supposed to pay the {$300.00} bonus within 60 days of fulfilling the terms, which was over 15 days ago from this complaint. 

I have been a BofA credit card customer since XXXX. Last year, I logged into my BofA credit card account and had an offer box on the side stating a {$300.00} bonus for opening a new checking account. I clicked on the link, which took me to an application page where I then signed up. There was no promo code, only the link. I did print off the offer after following the link, which I will try to attach and which I completed all terms for the promo. 

Yesterday I did an online chat with a BofA representative ( there was no option to SM them ) to inquire, and he said he could not help me but I needed to call their main checking account number ( XXXX ) to inquire. The person there said they could not see the promo code on my account but gave me a new internal number for marking online redemption issues ( XXXX ). I then called that number, and the person refused to deal with me since it was supposedly an " internal '' number. I then asked what number I needed to call to talk with someone and submit my records ( being very clear it was a checking account issue ), and he assured me they would handle it at XXXX. When I called THAT number, it was corporate credit cards, and they said they had no jurisdiction to help me! 

It 's obvious that BofA has XXXX interest in trying to assist customers with collecting the bonus they are due based on the almost 2 hours I put in and XXXX different departments giving me the run-around! Therefore, I 've resorted to filing this federal complaint due to the sinister organizational structure BofA has erected to try to get its customers to give up on collecting any checking account bonus due. I hope CFPB, besides resolving my issue, looks into fining BofA for providing no viable due process for a customer requesting a bonus and offering to submit evidence that they had signed up for it -- particularly since BofA offered this bonus online and how " convenient '' it is for them to claim the bonus offer was not associated with the account based on the lack of any paper trail. 

Company response: Company chooses not to provide a public response
Consumer complaint: My social security number is totally different from my dads but half of his information pops up on my credit report when my credit is ran. I 've never worked at XXXX XXXX. I 've never Rented a Place Ever, also I 've never owned a XXXX account and several other things on my credit I was underage for most of these things I think they should be removed from my credit because now as an adult I ca n't get a place 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Several items on my credit report are outdated, according to FCRA reporting limitations, when I tried to dispute these discrepancies I was n't allowed. It told that because I had previously submitted a claim and it was not in my favor, I could n't disputed it again. 
I definitely believe that this is a another way to segregate and strip an individual from their ability to disagree with public information. Not to mention the violation of FCRA on my right to challenge as many times as needed inaccurate information on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been disputing a debt which is not mine for months that is showing in my credit report as XXXX account number XXXX. I have written to XXXX several times at the address provided in the report, which is XXXX XXXX XXXX XXXX, CA XXXX. It turns out that this is an incorrect address for XXXX and has not been valid for years. This has cost months of delay in this process and Experian will no longer take a dispute for one reason or another. And I can not clear this up with the creditor since Experian does not list a vaild address, which I believe is the responsiblity of both Experian and the alleged creditor to have valid contact information listed under the FCRA. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX I purchased a home in XXXX, CA. I took out a 30 year interest only loan. In addition, I was told I needed to take out a adjustable HELOC for my downpayment. XXXX year later the housing market collapsed. My wife and I had extreme financial hardships. I am XXXX XXXX with XXXX, and my wife had lost her job. We spent years applying for home loan modifications that never seem to get anywhere. In the mean time we stopped paying the HELOC because the payment became to high and our home was very underwater. I was forced to file chapter XXXX bankruptcy as XXXX XXXX XXXX raised my payment while granting me a terrible loan modification. The terms were awful. My wife and I could not afford to relocate as I was no longer working. It was not until I found this website that I finally made a complaint about what I had been through with XXXX XXXX XXXX. With the help of your organization we were finally offered an affordable loan modification. We have been paying our loan mod since aprox - XX/XX/XXXX/XX/XX/XXXX. 

I am writing you because I received a letter from XXXX XXXX about some loan I may or may not have with them. The HELOC loan was originally with XXXX XXXX XXXX but we stopped payments back in XX/XX/XXXX or XX/XX/XXXX because the house was upside down. and XXXX XXXX XXXX sold it so many times we could not keep track of it. I currently do not have any financial information on this debt. The last letter I have regarding a HELOC is from XXXX XXXX XXXX saying it was being sold to SLS Lending dated XXXX. Even then, XXXX XXXX did not have the amount of the debt nor any history of payments, etc. This letter was dated way back XXXX/XXXX/XXXX. That is a long time ago and I have no way of knowing what my payment history was, fees incurred, who has the original title, transfer or sale dates of the loan., etc. So I have not heard anything about this since XX/XX/XXXX. Today, XXXX/XXXX/XXXX I received a letter from SLS. Something about RESPA and QRW and possible enforcement of the lien. But there is no other information on there. I thought HELOCs did not have RESPA rights to information so I do not understand what this letter is for. I can not afford to make anymore payments as I am XXXX and my wife can only work part time. That is why I received a loan modification for my home on a financial hardship term. I do not have the means or resources to leave my home based on a HELOC that may or may not be valid. We still owe a very large amount of this debt vs. the worth of the home. I will be forced to file Chapter XXXX for protection. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX I took a 30 year interest only loan for {$690000.00} in XXXX, CA. We also took out a XXXX loan with an interest only adjustable HELOC ( purchase money loan ) for {$130000.00}. Both loans were with XXXX. 

The housing market crashed and around XXXX we were having trouble with our mortgage and HELOC. We completely stopped paying for our HELOC way back then. 
Our house was completely underwater. 

Both loans were with XXXX and we received a terrible loan modification that raised our payment and we went back into default. XXXX sold both loans to XXXX XXXX XXXX. Again, applied for loan modifications for over 2 plus years. Again, received another one that raised our payment. These modifications were not set up to help. Still we were not paying our XXXX. XXXX XXXX XXXX sold our HELOC loan to XXXX XXXX XXXX. Still no balance info and no payment made since XXXX. After many failed attempts I filed chapter XXXX BK in XXXX. 

Filed a complaint with CFPB about the predatory lending we had been through. Received and successfully completed a sustainable payment with a loan modification. We have been paying our 1st mortgage for over 3 years. It seems XXXX XXXX XXXX sold our loan to SLS Lending. They were part of the predatory lenders and I just received a letter from them about nothing I can understand. The letter was not dated, with no account info. I have not responded to them via phone, email or letter. I have filed a complaint with you as the validity of this debt they may or may not claim I owe. 

In addition, XXXX XXXX XXXX and XXXX both faced law suits and were ordered to forgive XXXX XXXX dollars in HELOC loans. We were never notified of this at the time and we believe this loan would fall under this category. We are current on our first loan and it is our primary residence. We can not afford to pay a new loan. Our 1st was modified based on hardship and we can not afford to move. I believe this HELOC loan should have been forgiven at the time of our loan modification as we were underwater. This week I filed XXXX complaints. XXXX for the HELOC to be forgiven based on a major settlement. And the second against SLS Lending for trying to validate or collect this debt that may or may not exist. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was removed from the HAMP Loan Modification Program and foreclosed upon, inadvertently. This statement was in a letter sent to me from Wells Fargo. Please help me, they ruined my families life. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have spent three years going around in circles with my mortgage servicer Select Portfolio Servicing. The day my loan was transferred to them they put a Notice for Sale on my door. After fighting back I was able to get them to try and consider me for a modification and then they tried to sell my house out from under me again. I qualify for the DOJ modification settlement, I even received a letter with an offer while my loan was with XXXX XXXX XXXX. I immediately accepted the offer which included principal forgiveness and sent in all of the paperwork. Instead of saving my home my next correspondence was a Notice of Sale and a letter saying my loan has been transferred to Select Portfolio Servicing. This has been beyond frustrating. We have sent in hundreds and hundreds of documents to SPS, but still three years later they have never actually completed a review of our information. They have assigned and re-assigned and changed our point of contact a minimum of 10 times, and have been less than forthcoming in the letter that they sent to us after we got our Congressman involved regarding why this has happened. We are not asking for anything for free, we just want a chance to resolve this issue and get into an affordable monthly payment. 

I have worked XXXX for 35 years. Due to the consolidation of the XXXX, XXXX XXXX, economy etc. the pay for on XXXX began getting cut. This coincided with my property value tanking. At that time I was in a predatory adjustable rate 40 year loan with XXXX XXXX XXXX and I tried to get some type of help. I went to homeowner events, I called in, I tried to apply and made no progress. Finally I was laid off and then could not make the payment and after I fell behind XXXX XXXX XXXX started to pay attention. I was ecstatic when I received the letter that I qualified for the Department of Justice modification program which included principal forgiveness and immediately got the requested documents to XXXX XXXX XXXX and hoped for the best but instead got the worst, as I had mentioned above. A sale date and a transfer to Select Portfolio Servicing. 

I know I qualify for government programs, I know that the investor is participating in these programs so why does SPS put up so many roadblocks? I am working full time, my husband is working full time and we have boarder income as well. I know that we fit the criteria for help, our one obstacle is SPS. I am pleading with your organization to put SPS on notice and push them to make this file a priority and work with me to help us save our home. We will provide whatever additional information is needed in a timely fashion, but we need SPS to stop playing musical chairs with our point of contact and to actually COMMUNICATE with us. We can afford a reasonable payment and we have taken good care of this house and want to stay if we are given the opportunity. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am writing to file a formal complaint and ask for assistance in getting my funds from Suntrust Bank. 

On XXXX XXXX, 2016 I made a {$3100.00} deposit at the XXXX GA branch. I asked the Branch manager when the funds would be available and she said they would be available at mid-night. The next day I went to XXXX XXXX to purchase materials for a job I was working on and the transaction was declined. I went to the bank and the same manager laughed and said " I guess you cant have access until XXXX XXXX '' and walked away. I asked her why and she turned around and said " You can have your money on XXXX XXXX '' and, started laughing. I was very upset and I said " This is XXXX that I cant have access to my own money '' and walked out. 

I called Suntrust and filed a complaint against the branch manager and about 3 hours later I received a call from a security guard for Suntrust that said I was no longer allowed in that bank. I asked him why, and he said she filed a complaint against me. 

The same branch manager tried to have the manager at XXXX ( the bank is inside ) to have me banned from XXXX. She does not know that he is a personal acquaintance of mine and he told me that she said I was trouble and not to let me back in the store. He refused her request. 

I reached out to the District Manager and she informed me that my account was closed and that I would have a check cut and released on XX/XX/XXXX. 
I have not received any type of notice about any holds on my account and I have not received any notice that my account was being closed. 

I called on XX/XX/XXXX, and she now says that I can just sit and wait and there is nothing she is going to do. 

It is now XX/XX/XXXX and the funds are still being held by Suntrust. I have called the company that wrote me the check for my work at XXXX and they said the checks cleared their account on XXXX XXXX. 

The customer service at Suntrust tells me all they can see is the account says " under investigation '' and there is nothing they can do. 

It has been 20 days ( 14 business days ) and, my funds are still being held at Suntrust with no signs of them giving me my money. 

I have sent numerous emails to XXXX and do not even get a courtesy response from them. 

In the mean time, I am past due on my mortgage, truck payment, electric bill, and have limited money to feed my family. I also do not have material money to complete my next job because of the funds being held. 

I am told you are the person that can assist me with the wrong actions I have with Suntrust. 

Please contact me at XXXX if you have any questions Thank you, XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I asked Wells Fargo if they would accept a Deed in Lieu before foreclosure for my home mortgage. They accepted the Deed in Lieu and said I had to vacate the property XXXX XXXX XXXX, XXXX. I requested an extension so I could get everything moved out of the house. They gave me an extension. We vacated the property on XXXX XXXX, XXXX. Wells Fargo said they would pay our moving expenses, but to date they keep postponing the moving expenses payout. I keep contacting them but the last time XXXX XXXX said I would have the check no later than XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX and no check has been received. I have constantly been the XXXX to contact them. First to understand exactly what a Deed in Lieu entailed, then to ask them to secure the house as it is in the XXXX and the weather can damage the house. The last time I contacted them I told XXXX XXXX I just had the oil tank filled and shut off the water pump and drained the lines. I asked him to please secure the property properly and have the house winterized as the house was in PERFECT condition and I wanted it to remain that way. I had lived and cared for that house for 25 years and only relinquished possession of it due to my inability to keep up with the mortgage and escrow payments, now that I am getting on in years and my income has finished. Please assist me with receiving my relocation check as promised. My address will be provided upon request as I am not to include personal information in this correspondence. My mortgage is less then {$600000.00} and the XXXX estimate of the houses worth is $ XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: The company ( ERC ) contacted XXXX of my family members ( including my wife, sister, mother, XXXX daughters, and my sister-in-law ) about an alleged debt to XXXX, using language that suggested they were a law firm. They specifically referred to " legal papers '', and gave a " case number '' to the family members. They made these calls after first calling me and leaving a voicemail message. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This Bankruptcy is not mine and does not belong to me. I have reported this to all XXXX credit bureaus and they will not re-dispute it. I have provided them with a copy of my police report..
Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have Wells Fargo Visa Credit Card for around two ( 2 ) years, since the beginning I transferred an amount to not interest program for 12 month, I took the entire 12 month to pay it off, right after that I stop to use this credit card in order to keep in good standing my credit scores from my bureau of credit, today XXXX/XXXX/2016 I have received a letter from Wells Fargo Bank telling me that my account was closed because I have not activity for more than six ( 6 ) month, I believe be notified before to close the account just to give me the opportunity to use this credit card in order to prevent to be account close, will be the best way from Wells Fargo bank to show any respect for a client and do not be a XXXX against XXXX, I called them and they told me, they can not do anything for me, now I have my credit report affected because their decision to close my account, I am very frustrate because when you try to find the best way to solve this situation, you have a Giant telling you, '' I do what I want to do, you really do not count ", please help me in this unfair situation, Thank you, if you need more information just contact to me 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage complaint with Freedom Mortgage Co. which extent from 2014 to the present. I have spoken to a repersenitive on several occasions which have led me nowhere. I am really trying to resolve this with out getting legal help, which I can not afford. This is my problem, I have paid more on the principal than is not required and it never shows up on the following payment. In some cases a statement was typed in the Account Information section stating that " This is the Principal Balance only, not the amount required to pay the loan in full. '' When asked, What happen to the overage amount? I was told that their records did n't show an overage amount. I went to my E-Statement on lined, that showed that I had paid thousands to my principal that was not showing up on my account since 2014. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX I received a bill from Macy 's stating that I was pat due XXXX dollars even though I had not made any purchases since XX/XX/XXXX. I paid it off and this month when I go to pay my bill I find another charge. Checking on my statements I noticed a " minimum interest charge '' of XXXX dollars very month even though I did not make any purchases. After speaking with customer service agent and doing internet research I see a lot of people having this issue. I hope you can do something to stop this blatant thievery of Citibank/Macy 's. This is just a gimmick to steal money. 
Thank you. 

Company response: Company chooses not to provide a public response