AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Bank of America intentionally trapped me as a consumer into a high interest rate poor credit card package by forcing me to sign up with a " pre-paid '' credit card first. I was told because i was young and had little credit history, that they prefer i do a prepaid card. Bank of America uses this practice to Trap younger generations and making it difficult and impossible for them to obtain Fair credit card deals and packages once they have proved their credit worthiness after paying their bills responsibly. Instead, BOA transfers their credit account directly to an interest charging credit card service with an APR exceeding 20 % + charging me annual fees when i generally would not be. I was robbed of the opportunity to have a better credit card service through bank of america, as it already deceptivley trapped me in the prepaid credit card service. Just a couple months after being told i should start with BOA prepaid credit card, i was approved for XXXX XXXX Credit card, which is XXXX of their premium credit card services. I believe Bank of america is intentionally trapping younger generations into deceptive credit card agreements, manipulating consumers into being trapped into accounts robbing them of credit opportunities and competitive deals. Even though i have always paid my bill, ever since my trial period was over with BOA, i have been rejected of new bank of america offers that would grant me the Usual 0 % apr for 15 months plus other card benefits. I believe bank of america is participating in anti competitive practices, consumer fraud, deceptive consumer practices, among other violations against me as a consumer. 

Company response: Company chooses not to provide a public response
Consumer complaint: The final quarter that I attended XXXX University was XX/XX/XXXX - XX/XX/XXXX. I officially withdrew from the university on XX/XX/XXXX and transferred to XXXX effective XX/XX/XXXX for a XX/XX/XXXX start date ( see attached ). While attending XXXX all of my tuition was paid directly to the institution from XXXX. Although I was no longer enrolled at XXXX for the XX/XX/XXXX session I received a bill for {$6700.00}. I notified them on XX/XX/XXXX that I had withdrawn and was attending another college and was told they would research my account and get back to me. After receiving no correspondence for over 6 months, on XX/XX/XXXX I received another bill for {$6700.00} for XX/XX/XXXX and I responded to them in writing ( see attached ). On XX/XX/XXXX I received and email " demand for payment '' ( see attached ). I then decided to contact XXXX and they confirmed that XXXX had received direct payments from them to cover my tuition while I was in attendance. I continued to try and resolve this issue to no avail and received several notices from XXXX XXXX XXXX stating that my account had been turn over to them and I owed XXXX {$8400.00} for the unpaid tuition for XX/XX/XXXX which was a completely different amount than the bills I received from XXXX for {$6700.00}. I am disputing this because I transferred to XXXX in XXXX and was not enrolled during the XX/XX/XXXX that I am being charged for, and according to XXXX, all of my tuition was paid directly to the institution while I was enrolled. 

Company response: Company chooses not to provide a public response
Consumer complaint: I HAVE INCLUDED THE POLICE REPORT AS WELL. THIS IS THE FOURTH TIME THAT I HAVE HAD this is in response to clarify in simpler terms what my dispute with Chex-System is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) I AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXI have also attached the police Report that I have filed here is XXXX I will forward you the original version of the police report when I receive it on XXXX/XXXX/15. I have filed for ID Theft protection because there is no way I can leave in XXXX different states a XXXX time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was not working for almost XXXX years and was not able to pay my maintenance fees on a XXXX XXXX At XXXX XXXX timeshare that I completely paid - debt free. I offered to give the Timeshare to XXXX for FREE in exchange for not having the money to pay the maintenance fees. Instead, they kept billing and calling me and tacked on another year of maintenance fees. I am now getting calls on my cell phone and home phone from Aspen National Collections. XXXX is acting out of greed and are treating me like I defaulted on the mortgage! Get a clue, the mortgage is paid in full. Take the property, resell it and recoup the maintenance fees!!! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XXXX account was closed more than 7 years ago. This should no longer be shown on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Addendum to Complaint sent on XXXX XXXX : On XXXX XXXX, 2015 I received a phone call from XXXX XXXX, Bank of America, ( contact # XXXX XXXX XXXX XXXX ). She asked want I wanted to resolve my Complaint. I said I wanted to have my original application reviewed fairly. XXXX said since the review was " closed '' I would have to reapply. She persisted in trying to insisting this was a fact. I referenced all the communication I have received from Bank of America, including letters from XXXX XXXX, CRM, on XXXX XXXX, XXXX, and XXXX, to prove the case was stilled opened. 
I asked that she put this in writing, she refused. I then reference letters I had received on behalf of XXXX XXXX, XXXX XXXX from XXXX XXXX and on XXXX XXXX from XXXX XXXX, both were written by XXXX Customer Care regarding the modification application. 
Today, I received a letter from XXXX XXXX, XXXX Customer Care, which is clear shows the application is still opened it states I " should work with XXXX XXXX ... XXXX XXXX will be your primary contact throughout the workout the review process. I encourage you to work closely with her ad submit any requested information right away to keep your loan 's review moving forward ''. 
Also, previous letters state that we are further behind in our mortgage payments. 
It is apparent that BofA is continuing to use unethical mortgage practices, in evaluating this modification by false statements, misrepresenting facts, deceptive and misleading statement. 

Company response: Company chooses not to provide a public response
Consumer complaint: There were multiple issues performed by this debt collector. To begin with I got a phone call from this debt collector in which I did not answer. They called from a phone number in XXXX and claimed to be an investigator calling on behalf of XXXX XXXX XXXX ( my county of residence ). She stated that because I have failed to call her back after multiple attempts ( though I have never once received any voicemail or call from this number and can provide phone records to support that ) that she had no choice but to proceed with a detainment order with a court appearance. My voicemail is clearly set up where I state my name therefore there is no confusion as to whether they have the right number. I then received a phone call almost immediately from my mother stating that she received a phone call from the same woman with the same threat left on her voicemail. It is my understanding that a debt collector is only allowed to call a family member if they are unsure as to how to reach the person who has the debt. On top of that I also was under the understanding they are to share no information whatsoever especially the same threats of me getting detained. When I called the number back the same woman answered and never once identified herself as a debt collector but instead stated I owed money. I was frustrated because I believed this to be a debt I had paid to a law firm already and the woman then stated I can contact the company it originated with to verify the debt. When I told her that I was not going to pay something twice she then said she is going to proceed with the detainment and will notify the original debtor and then hung up on me. When I called back the same woman again answer and was very belligerent with me. I asked multiple time for a supervisor while she talked over me before finally sending me to a supervisor. The supervisor was a little more helpful but again never once did either of them identify themselves as a debt collector and it was not until I asked if they were one that they told me so. When I contacted the original company the debt was with they in fact told me it was still outstanding but stated that the company that the woman who called me claimed to be from was no longer in business and that that debt was sold to another company that they are unsure of. 

Company response: Company chooses not to provide a public response
Consumer complaint: United Consumer , Inc. keeps calling my phone number for a XXXX XXXX XXXX ; the phone they leave is XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX, I pulled a recent credit report to review my credit because I 'm in the process of establishing a business and I need to apply for a line of credit. I noticed there was a Collection entry by Eastern Account System that totally alarmed me. I was never notified that is account when it was added to my credit report in XX/XX/XXXX. My rights under the Fair Credit Reporting Act were violated because I would have disputed first this. I recently sent a dispute to all XXXX credit reporting agencies and of course it came back verified. How could this be? I 've been working extremely hard to maintain my credit report, and I would have addressed this immediately. And not to mention that I still have XXXX services and I have had services for years. Eastern Account Systems derogatory marks on my credit reports are preventing me from establishing a business line of credit and becoming a business owner. I had no knowledge of this account until recently and it ' does belong me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received XXXX letters from XXXX XXXX dated XX/XX/XXXX regarding account ending in XXXX. 
The XXXX letter Dated XX/XX/XXXX stated they correctly reported the first date account ending in XXXX became deliquent was XX/XX/XXXX. 
The XXXX letter Dated XX/XX/XXXX stated they correctly reported the first date account ending in XXXX became deliquent was XX/XX/XXXX. 

On XX/XX/XXXX aprx XXXX. I called XXXX XXXX at XXXX. 
Customer Service Rep XXXX Stated he was not able to verify any old statements on account ending XXXX. He stated he could not tell me or verify the date of first delinquency. He stated he did not have this information and had no previous statements on this account to provide me with the information regarding this accountI believe that XXXX XXXX does not have sufficient information to verify this account 

Company response: Company chooses not to provide a public response
Consumer complaint: I had paid a medical debt, I ask the representative named XXXX if he could send me a statement saying that my debt was paid in full, he 's response was '' yes I will do that, you just have to wait 30 days ". It 's been now more that XXXX moths, I called them several times, and the only thing that he says is that he will send it out. I asked if it was easier he could fax it to me, and he said " yes that will be fine " I gave him the fax #, and until this day nothing has happen. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hi, My name is XXXX XXXX and I have a an issue with Frederick J. Hannah and Associates where they alleged intimate clients to sign a statement to pay them money on a debt that they do not have the right to do so. Also, presenting false affidavit to the court and saying that they are representing XXXX XXXX credit company to collect money from me. Last year the attorney presented this information to the courts in XXXX XXXX and seek a judgement against me. On XXXX XXXX, 2015, I received a letter from them that they have filed a garnishment on my wages with the XXXX XXXX XXXX XXXX and my employer. The Case Number for the Garnishment is XXXX. I need help quickly as to what shall I do to keep them from garnishing my wages. I have seen so much information on the internet where they was lawsuit filed on them by CFPB due to the Hanna firm relies on deception and faulty evidence to drag consumers to court and collect XXXX of dollars. Also, Intimidating consumers with deceptive court filings in collection suits that are signed by attorney when in fact the lawsuits are the result of automated processes and the work of non-attorney staff, without any meaningful involvement of attorneys. I need something in writing to take to the courts that this law firm is not suppose to be collecting money from consumers like myself due to they are in violation of certain codes. My email address is : XXXXXXXXXXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The Company, Omega RMS , LLC is claiming I owe XXXX XXXX ( XXXX ) XXXX and they will restore service. I have never contracted with XXXX and I currently have an active account with XXXX, which I would not if this claim was valid. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Loan was a paid off and it is showing up on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a auto loan at One auto dealer and it is now showing that I have XXXX hard credit inquiries so of of the other dealerships I visited must have done a Hard inquiry when I did not give them permission ... the only auto dealer that should have done a hard inquiry on my credit is XXXX XXXX and no one else was given permission to do so. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2015 I contacted XXXX XXXX from S. Foreman & Associates about Credit repair, I paid her {$100.00} a month for 6 months and has seen no results on my credit report, I emailed her on Thursday, XXXX XXXX, 2015 to let her know that I no longer need her services and to refund me my money with in 10 days or I was going to report her to the FTC and the Consumer Financial Protection Bureau, she send me an email back on XXXX XXXX, 2015 to proceed the way I wish cause no laws have been broken. I called the Commissioner of Financial Regulation to find out if she was licensed and was told that it 's an application pending and that she is not suppose to be doing any type of Credit repair until the license is approved. She has also called XXXX posing as me which I did n't know until she sent me the email telling me she contacted them. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Key bank transferred my balance to Elan Financial and rate went from 9 % to 15.99 % ... I have not been using this card and working to pay off the balance ... .Never late ..maybe once a few days and most often pay overlimit ... Trying to pay off still owe {$10000.00}. not aware ofthe ability of them to just raise the rate but read hear maybe not correct? 

Company response: Company chooses not to provide a public response
Consumer complaint: Paypal closed my Paypal account XXXXXXXXXXXX on XXXX/XXXX/15 without any warning or reason. There are more than {$8000.00} in my account. They refused to return the money and said they will grab the fund for 6 months without any reasonable ground. 
That means that I can not access my own all legitimate money for 6 months, which causes enormous financial stress and loss. 
I was given no valid reason when calling the representative. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America sold our loan to another bank and did not tell us they where doing so. When we went to pay our mortgage we where not allowed to pay it and it became late. This also hurts our credit cause of the way credit reporting companies rate length of credit history. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm in the process of trying to get a mortgage from XXXX XXXX XXXX. In doing that XXXX looked at my credit report & saw some outstanding things:1.There was a judgement from XXXX back from XX/XX/XXXX which i do n't know anything about. 

2.There was a tax lien which I paid in full but needed it remoed earlier than XX/XX/XXXX in order for my credit score to go up to get a better mortgage. 

3.I also had a volunteer return for my old XXXX XXXX , but it shows as a " repo ''. I was behind a couple months, then I contacted XXXX XXXX & drove the car myself to the dealer where I ought it from to return it. Once XXXX sold my XXXX, they gave me a check for the difference in balance, so how can this be a repo if XXXX gave me a check for the difference when the vehicle was sold? 

4. There 's also a collector trying to get {$200.00} from when I was in the emergency room, however I have Full medical coverage from my work & i paid the co-pay to the hospital. The emergency visits are covered. How can the hospital try to collect from me, when I already paid the co-pays? 

I just called Experian & XXXX XXXX this morning to get all of the above issues investigated. However, I had to do with automated teller, then deal w/Phone operator which did n't have a good attitude, so I 'm afraid that they may not process correctly? I hope that you guys can help me in following up with them to make sure that they remove these outstanding issues in order for me to get a better credit score so that I may get this mortgage from XXXX XXXX XXXX & start a new chapter in my life with my wife. 
Thank you in advance for your help in this matter 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX ( now XXXX ) is showing my final payment on my mortgage as 30 days late. It was " late '' because, despite repeated attempts by me, the company failed to give me the final payoff amount in a timely manner. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am serving on XXXX in the XXXX XXXX XXXX. My family and I have received orders to report to XXXX in XX/XX/XXXX, our exact date of departure is undetermined. 

We are permitted to take a vehicle with us to XXXX. The company which ships the vehicles requires either a clear title, or a letter of approval from a vehicle lien older. Sometime in XX/XX/XXXX I contacted Ally Bank and requested a letter of authorization to ship my vehicle to XXXX. I was told they would not be providing me such a letter. 

I purchased my vehicle back in XX/XX/XXXX. The total cost of my vehicle was over {$17000.00}. My vehicle is currently worth {$6000.00} and I currently owe approximately {$7000.00}. I do not have the funds available to immediately pay off the remaining balance. I have contacted other banks asking about refinancing the vehicle and was told they wo n't do it because the value of the car is less than the amount still owed. I am current on all payments on my car loan. Although I was late making XXXX payments over the past four years, those payments were made very shortly after their due date. 

Having a vehicle in XXXX would help my wife and children tremendously. If I am not allowed to ship my vehicle, I have no idea how or where I would store the vehicle for the three years we will be stationed in XXXX. 

I do not have a copy of my financing agreement with Ally readily available, as nearly all of my personal belongings are packed up and ready to ship XXXX. Even if such a clause exists in their financing agreement prohibiting transporting vehicles outside the country, I believe such a clause would be unconscionable for military service members. I do n't know if it is Ally 's policy to not provide any service member with this type of authorization letter, or if I am being singled out for some reason. Regardless, I would have never financed with Ally had I known they would deny me the ability to take my vehicle with me to an XXXX duty station. I am requesting any assistance available in obtaining an authorization letter to ship my vehicle. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am beyond disappointed with the service I received while attempting to use my Macy ; 's credit card to play an order on Macys.com. I tried placing the order, but the website kept saying that my card was declined. I knew this must be a mistake as I have not missed any payments and have a {$0.00} balance. I called the customer service number that displayed, and was informed my card had been deactivated for not having been used in awhile. I was surprised to find that this occurred without any notice to me! She stated she could have it reactivated, and I asked her to do so. However, she came back on the line and informed me that due to a system upgrade, I could not use my credit card until this coming Tuesday. I was taken aback that such a mature company as Macys would take several days for a system upgrade! In this day and age, there should be no reason that a customer 's credit account would have to be deactivated for such a long period due to a technology update. ESPECIALLY without notice to the customer. 
However, I understand that such things are beyond my or the agent 's control, so I simply asked her to guarantee that when I place the order on Tuesday I will be granted the same sale price and 15 % off offer that I would receive today if the order were placed. She could not promise me this and said I would lose the pricing. With the current sale and promotion, I would be saving over {$600.00}! It is unacceptable that I would lose this price due to a system update and no fault of my own. 
I then asked to speak to a supervisor. I was placed on hold for 10 minutes, and ultimately the call was answered by another agent who was not a supervisor. She had to transfer me to XXXX, a supervisor with ID number XXXX, who could not help me. She kept talking over me and acting as if I were unreasonable in my simple request to have her guarantee the pricing. When she said she could not promise this, I asked to speak to someone above her. She said there is no one above her that I can talk to. She also said she can not make any notes in my file because my order is not yet placed. Again, this is absurd considering I have been a Macy 's customer and credit account holder for many years. I can not believe that not only did XXXX not have a supervisor I could speak to, but that in this day and age, Macys does not have the technology for her to notate my account. 
I would like to mention that the reason my account was XXXX was because I rarely ever shop at Macy 's anymore. The reason is that I have been displeased with the service and find XXXX to be a much better company. However, I was intrigued by the sale on the bedding items, and decided to give it another chance. It seems that this may have been a mistake. 

Company response: Company chooses not to provide a public response