AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: To whom it may concern : l have been a client/customer of Bank of America for a longtime and l would like your help CFPB with this dubious issue! Due to a change in my financial income and a substantial-increase in expense obligations, l decided to respond to the correspondence sent to me by, BOA. During that time, l was constantly charged late fee 's due to paying after the XXXX of every month and on occasions was thirty-days late! l attempted to respond on ( XXXX ) XXXX occasions to BOA, ( account supervisor ) as per correspondence sent to me. l left XXXX messages and neither of the calls were returned. This banking practice was previously sanctioned by the U.S. Department of Justice and settled! I then decided a face to face meeting would be better served! So l decided to participate in ( XXXX ) of the ( XXXX ) required Banking community out-reach relief locations for help regarding the loan modification program! However, before l could attend XXXX XXXX XXXX NJ. I received a letter at my XXXX XXXX , with regards to termination of mortgage services. It is my believe BOA deliberately refused to notify me, promptly via : telephone, email, or home-address that their servicing obligations would stop within fifteen-days ; with confirmed acknowledgement. Oddly, weeks before however I received from BOA that my accounts would change starting XXXX XXXX. Not understanding the letter, I went to the bank for clarity. It is my belief, my inquiry in-regards to Bank fees and the lack of major account funds in account caused the transferring my loan to XXXX although competent, BOA Branch Asst. XXXX XXXX, verified my BOA account qualified not to be charged extra fee 's, the bank serviced my home-mortgage and my mortgage was linked to bank account. To find my mortgage would be transferred is a disgrace and a ruse not to comply with the settlement reached between, The U.S. Department Of Justice and Bank Of America, which was reached XX/XX/XXXX. I am very disappointed with the service and treatment of BOA! Additionally, l am trying to stabilize my current financial situation and believe face to face customer service help oppose to XXXX, which operates outside XXXX with numerous integrity issues as per customer based XXXX complaints would n't help my situation nor BOA 's customer service needs or the settlement compliance reached between The U.S. Department Of Justice. 
Please contact me XX/XX/XXXX, they are threatening to transfer my loan at end of business day! 

Company response: Company chooses not to provide a public response
Consumer complaint: In the month of XXXX, I was unable to make the full payment to my charge account with Goodyear/Citi. I called Goodyear credit which is Citi and attempted to make some type of payment arrangement. This was today, in the late afternoon. The first time I called, Citi disconnected the call when I was in mid-sentence. I called back and asked the representative if the hang-up on the prior call was an accident or intentional. I was told by the representative that they were very busy today but there was no trouble on the lines, that she was aware of. She said we would never hang up on you ; we want to talk to you. Then she proceeded to disconnect the call. I attempted to contact Citi a XXXX time and I had the same results. I gave up since I did not want to become further frustrated. 
I then called a few other places to make sure that it was not my line that was cutting off the phone calls. I had no trouble with any other call, so the problem was initiated by Citi. I was going to just let this go, but the more I thought about it, I became concerned that this is some type of tactic that is used on people that are late on their payments, which should not be allowed. I have currently have an ongoing complaint with CFPB regarding Home Depot which is also Citi.that XXXX blocked me from accessing my account online because I was late. That was followed by blocking a payment I was attempting to make today online. Both of these incidents were verified by their own representatives. Not having enough for the full payment is difficult enough for the consumer, but having to deal with their tricks on top of the original problem is wrong. I would appreciate your checking into this matter. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: l relocated to another state, found out my bank did not have any branch in the area. l called my bank to close the account, they told me l need to come to the branch to close the account which l did. the cashier closed my account, gave me my money, he told me this is the money l have. he did not explain to me he gave me # XXXX dollars from the line of credit to borrow of which l could have not accepted that. he gave me a wrong information saying this is all my money l have in the bank. now the bank is teling me i need to pay the money with interest. if l have borrowed the money, l should have talk to them on how to pay the money back. since l was informed wrongly, which was not my fault, l should not be charged for the interest. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a loan and it was bought from Shore Mortage by Country Wide and Country Wide was bought by Bank of America. I kept paying my loan every month on time for the last four years and than Bank of America sold sold the loan to XXXX XXXX. I filed for chapter XXXX bankruptcy in 2011 and was told I can keep my house and when I went to court and got discharge it was reaffirm that I will kept my home. Bank of America sent all XXXX credit bureau my account and told them it was part of the bankruptcy when it was n't. I wrote to the XXXX credit bureau 's and send them a copy of all the document from the court but the wo n't remove it from my credit report because they said Bank of American keep telling them it is part of the Bankruptcy. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX debt collection agency trying to collect a debit from XX/XX/XXXX. I was XXXX in college and did not get my XXXX credit card until XX/XX/XXXX. It would have been very easy for a doormate or anyone else to get this info. I didnt keep it hidden I didnt think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I arpled for an count with XXXX and was approved but they pull my cridit XXXXtimes when it just be XXXX time so now it 's on my cridit report XXXXtimes. 

Company response: Company chooses not to provide a public response
Consumer complaint: **debt was not paid it was charged off I verified this with each creditor** Pressler & Pressler has trolled my credit report and with the help of XXXX XXXX has taken several, old charged off debts from my credit report and sued me for the debts. At XXXX they scared me because I thought they were legitimate, but as it kept happening over and over ( at least XXXX debts they have taken from my credit report and sued me on ) I researched and found out that they are not legitimate, if you XXXX them you will see how many illegal scams come up. I contacted the original debtors and not XXXX of them knew who either Pressler or XXXX XXXX was. As far as my debtors ( including XXXX XXXX, XXXX, XXXX and XXXX ) knew they charged off my debt ( I was unemployed for 3 years and had no way to pay them back ) I feel that Pressler & Pressler has illegally targeted me by trolling my credit report, that is the only explanation for them to have so many of my debts in their possession -- they claim its a " coincidence '' I do not believe in such a coincidence. I have XXXX debt that they have been taking {$25.00} a month from me since 2012, they have not ever sent me a status to show what I have paid and what I still owe, but if I stop paying, I get a threatening letter. They have NEVER sent back any debt verification after I have requested multiple times on each debt that they have sent me. They call but do not leave messages and when I call back there is no answer at their number or the call disconnects. I would like them to stop and leave me alone and I would like to counter-sue them for harassment. 
I let them bully me for a long time, now I am going to fight back with everything I have. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was told my loan would be be about XXXX month they took out XXXX this month they are taking XXXX out of bank I live on widows pension this is very hard on me 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I received a letter yesterday XXXX/XXXX/15 for a debt I do not owe from. this company named Performant Recovery Inc. XXXX XXXX, XXXX , CA , XXXX. Collectors Name : is XXXX XXXXCollection Phone : XXXX. Main Line : XXXX. I contacted The Dept of Treasury and they give me the number for The Federal Trade Commission for whom I called to file a complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a graduate of the University of XXXX XXXX. During my time at the University ( XX/XX/XXXX-XX/XX/XXXX ), I obtained XXXX ( XXXX ) private student loans from Sallie Mae to cover costs of tuition. Those loans have since gone into repayment with a monthly payment well over {$800.00}. I do not have the financial ability to repay those loans at that rate, nor is my cosigner able or willing to repay the loans. At the time I requested the loans, I was never made to understand the total amount I would need to eventually pay for all loans. I also never received any information about any options to reduce payments on my loans. I have been forced to request my loans be put into forbearance XXXX, and now I have only XXXX forbearance requests remaining. I mailed a letter to Sallie Mae detailing my financial situation, and asking for ways in which we could resolve the problem with lower payments. I submitted the letter on Wednesday, XX/XX/XXXX and have never received a response. I am willing, but however, unable to make payments on my loans. Due to Sallie Mae 's inconsistent and lack of communication with me regarding my account, I am at risk of going into default on my loans. The times I was able to reach someone at the customer service department via telephone, I received conflicting information from each person I spoke with and was left even more confused about the status of my account. Defaulting on my loans will not only be a negative outcome for myself but for the lender as well. I am currently employed in my field and working to progress in my career, but I simply do not make enough money to repay the loans and manage necessary living expenses. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: For recent months I 've rec 'd bills from XXXX that include {$75.00} late fees. This month XXXX rec 'd my bill on XXXX XXXX ( though the statement date is XXXX XXXX ) and it 's due XXXX XXXX & they say it can take 7 days to process payments once it 's rec 'd at their processing center. I 've called about this before and they say that I should access my bill online and pay online to avoid late fees but I wonder if they should n't give sufficient time to allow consumers to pay by check after receiving the hard-copy of the bill? And, if they choose not to that, should n't the late fees be reasonable? {$75.00} late fee on a single {$34.00} gas purchase is robbery. And, If they continue this practice, should n't the disclosure literature include a statement that there is no way a mailed payment will make it on time if they are allowed to take so long to process it once they get it and that they will not send the bills in a more timely manner and that the fee is now {$75.00} not the original ( also high ) {$35.00} that is was when I signed up for the card? 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX to XXXX repeated calls per day even after advising them to stop calling. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, XX/XX/2015, I was mailed a demand letter for payment of {$400.00} from Capital Management Services , LP. 

I am disputing this debt, because it has never belonged to me. This debt is not mine. 

This debt is a result of an identity theft where my XXXX Bank checking account checks and debit card were stolen from my vehicle. 

Again, I am disputing this XXXX Bank debt of {$400.00}, because it does not belong to me and it resulted from an identity theft of my debit card and checking account checks. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted XXXX XXXX. about opening and account. I told them that I would be moving in a few months and that if it was a problem to move, I would wait to get service until I have moved to my new place. The representative told me that it would be no problem, as you get XXXX free move a year and I could get it moved to the new address. So I signed up. When I got ready to move, I called XXXX to have my service moved and was told that it would be over {$400.00}. I explained to them that the rep said I could get XXXX free move a year. Now they tell me its only after you have had service for XXXX year that you get a free move. I asked to speak to a supervisor, started all over and was told the same thing. I was told that the sales rep did n't have anything to do with moving that was a different dept. I told them that since all of my calls were recorded, they could look it up. I paid my bill for the months that I used the service and did not move it because they lied to me when I signed up and I would not pay for to have the service moved when they assured me in my sign up that it was free. They broke the contract by not doing their part of the agreement. They should not be able to harm me or my credit by adding a report that does not reflect what really happened. It is not an unpaid bill. They did not supply the service that I signed up for and I am not responsible for it. They can not lie to get a consumer to purchase a service and not stand behind what they say, then expect to be paid for it anyway. Companies take advantage of people and then we either have to pay a bill that we do not owe or have our credit harmed. It 's not right that they can come back in over a year later and put a harmful account on my credit. I was very happy with my service and probably would still have it if they had moved my service as they said. They need to have everyone in their company on XXXX page. They ca n't just say XXXX thing and do another. Even if that was their policy, ALL employees should be trained and know that policy, every department, every erson. It 's not right to say they are not responsible because someone in their company told me wrong. It is their responsibility. They can go back and listen to the recording. Simple answer. Stand behind what their own representative told me to get me to go ahead and sign up for service now. I could have easily waited until I moved. Thats why I questioned it and told them I was moving from the very beginning. XXXX XXXX. lied to me to get me to sign up and did not follow thru with the service they gave me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Allied interstate, ( while acting as an agent of dish network ), has failed to provide me with documentation relating to the claim from dish network that I dish any monies whatsoever, the request for documentation was sent to allied via USPS and was ultimately ignored. They have continued to call me, ignoring the FACT that this alleged debt is not valid, and that they have no proof of this debt whatsoever. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was contacted by XXXX XXXX on XXXX/XXXX/2015 inreguards to payday loan. man told me I had XXXX options to pay debt back. due to me unable to pay settlement on that date. I set up arrangement for XXXX payments of {$270.00}. I contact company today XXXX to see if I could be offered a settlement. after speaking with XXXX ( direct supervisor ) I was belittled and he then slammed phone on me. I called back and spoke with a XXXX XXXX who infmd me I am unable to do the settlement of {$320.00} that was offered to me before. I called again to get company information and was hung up on. I contacted again to get payments removed and man refused and hung up on me. 


I have already filed complaint on XXXX, and will be contacting a consumer rights attorney for FDCPA violations as well 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: We were in a pet store, wanting a {$2000.00} XXXX. We were told that we could apply for financing. We did, and they told us we were approved. I asked how much my interest rate and payment should be, and the salesman told me he was n't sure, but it should n't be much. The salesman took me around the store shopping for accessories while another store employee helped my husband load a cage into our car, and yet another salesman was assembling a pet carrier, that we also had to purchase, to place the bird in for travel. They kept us very busy. Finally after they had the cage loaded and the bird in the assembled pet carrier, they called me into the office, to " sign '' the contract. The contract was on a computer, and they scrolled through telling me where to click. I never got to see and touch any paperwork to really look over it. After it was all said and done, I later found out my payment that " should n't be very much '' according to XXXX salesman was {$180.00} per month and my interest rate that " should n't be very much '' according to previously mentioned salesman, was 59.99 %. I was in total shock over that interest rate and knew I could n't afford that kind of payment. I 've made calls to the store, I 've made calls to the finance company AFTER I got a bill from them. I go to their website, and there 's not even a way to review my contract terms. I can not get any help at all. I 've shared their website with a few people and I 've asked people about the interest rate, and everyone thinks the website is bogus and the interest rate is illegal. I need help figuring all of this out. I am very upset with the pet store for how they handled everything, and they wo n't take the bird back. It has been 3 months now, but I was willing to return the bird as soon as I realized all of this. Here is a link to their website : XXXXThe pet store is XXXX in XXXX XXXX , Kansas and the finance company is XXXX. When I went to the XXXX to try to submit a complaint, I put in XXXX of the addresses on the statement sent to me by the finance company and it was n't a legitimate address. I reentered it thinking I 'd made a mistake, and I still got an error. So, I used the other address on the statement, and it did take that. The address that I am supposed to submit payment to, is the one that I kept getting an error on. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I started looking in to buying a house last year, pulled my credit, found this Stellar Rec on there, called, payed them, and it did n't get removed from my credit report, it was pain in full XXXX. Please help me get it deleted. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a voice mail on XXXX/XXXX/XX/XX/2015 at XXXX XXXX from XXXX XXXX at Miller Davis & Peoples stating that I am involved in a civil matter that has been filed against me by their office, that this was a time sensitive matter, and I must contact them immediately. At no time in the voice mail message did XXXX XXXX state that this was an attempt to collect a debt and any information obtained would be used for that purpose, in violation of FDCPA 807 ( 11 ). I have not been served with a summons and complaint by this company. Because I work XXXX with a lot of collection scams, I was immediately suspicious and researched the company online. They appear to be a scam, so I do not feel comfortable returning their call to gather more information. However, I thought I would file a complaint just to be safe. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Recieved call stating BOA had aquired a loan from prior to 2010. Being very ill, I gave my wife permission to speak with them. She was extremely RUDE and kept telling my wife not to interupt her. She would NOT tell her anything except Bankj of America had just aquired the loan & they want thier money. When my wife tried to get any info as to what the loan was about, she said we could settle the debt right now but would not say anything more than it was an old loan that BOA had just aquired and no other info from whom the loan was aquired. She finally said we would be sued and taken to court and abruptly HUNG UP on my wife. I called here back and tried to get the info from her. She was so rude and ignorant, I could not believe this woman. She said " NOW YOU WANT TO TALK TO ME '' " if you want to know anything, ASK YOUR WIFE. I wanted to know how I can settle a debt when she would not tell me who the debtor was. I have to admit I became HIGHLY AGITATED and did use some abusive language and hung up on her when I could get NO INFO and all she was doing was yelling at me. My wife called back and tried to talk to someone else and they once again immediately hung up the phone without speaking, as soon as they determined who was calling. 

To summarize this whole situation. The person who called was XXXX and she was mean and very rude. She told my wife this debt has to be settled today but would not reveal from whom BOA aquired the loan. After giving us NO INFO she said to ge3t a lawyer because they are going take us to court and sue us. I 'm not sure if the company name and representive is correct. They did not identify themselves except to say there is a claim against me. The phone numbers were left on the answering machine and taken from my caller ID. 

Company response: Company chooses not to provide a public response
Consumer complaint: Now I think I have heard it all from Citi. They are refusing to work on a dispute with a fraudulent merchant that did not provide product or services because I paid off the balance owed on my credit card. You are XXXX if you do and punished if you do n't. This is totally unreal the type of bull that a bank can do and get away with it. I am screwed out of thousands of dollars and now this. 

Company response: Company chooses not to provide a public response