AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: After an internet search on a " XXXX '' website I was contacted by XXXX XXXX in XXXX XXXX XXXX. The particular salesperson who gave me a firm offer to purchase a new 2009 XXXX XXXX XXXX, with the exact options I need was not available when I went to the dealership to purchase the vehicle and sign fraudulently induced loan documents with XXXX XXXX XXXX XXXX, my note eventually sold to Ally Financial Services. The salesperson had me " robo-sign '' documents in blank. He acted fraudulently as I had automobile insurance at the time on the vehicle I owned before I bought the 2009 XXXX XXXX XXXX, with the XXXX XXXX of XXXX, and told the agent of Ally. Instead, he fraudulently went, upon information and belief to some local insurance agent he had an arrangement with, and without my consent purchased automobile insurance with a company I have never heard of, XXXX, who I never purchased an automobile insurance policy from, as I was insured with XXXX, but they are still reporting on my credit report as a negative collection account. Further, the salesman knew my son, XXXX XXXX was not licensed as a XXXX Driver, and as I was told after the fact by XXXX XXXX, the dealer should have never sold me the vehicle, as my son, was the primary borrower as I needed his income to qualify. Ally through their agent at XXXX XXXX told me I was getting XXXX which I did not receive based on the agreement I signed in blank. The dealership was told my son 's father, XXXX XXXX, ( XXXX-of blessed memory ) lived in XXXX XXXX XXXX, and my son said they could contact him as an emergency contact. The fraudulent salesman told XXXX that I lived in XXXX XXXX, and my son did, which caused a major family conflict. I have never lived there, nor has my son, as the dealer had my driver 's license, and my son XXXX State of XXXX Identification. Ally refused to provide me with accurate accounting on my account. I should have been paying on a new car loan as a priority buyer, not the figure they submitted to XXXX on the document I signed in blank.Please investigate Ally and have them refund to me the monies they owe me for their agent, XXXX XXXX putting in fraudulent figures, and acting fraudulent in violation of then existing XXXX XXXX policy, and in violation of the rules of the State of XXXX Department of State regarding new vehicle registration. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My wife and I signed a deed of lieu off foreclosure on XXXX XXXX with BSI Financial Services, with the agreement of a XXXX check of {$10000.00} for relocation fees, we vacated our premises on XXXX on XXXX per our agreement. and we still have not received the XXXX check from BSI financial Services. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is my second CFPB complaint [ Case number : XXXX ] regarding United Security Financial Corp 's mismanagement of my VA mortagage and now it appears that funds may have been embezzled. My account is payed electronically every month by XXXX XXXX and has NEVER been late or missed. XXXX is their mortgage servicing agent ; and even though I have brought this to their attention directly, they have continued to harass me for early payments after the above referenced case was supposed to have been resolved. Now payments are being reported as " not made '' and balances are reported incorrectly in my statement. 

The Facts show clearly, that XXXX XXXX correctly transmitted payment on XXXX/XXXX/2016. United Security Financial Corp ( USFC ) issued a statement on XXXX/XXXX/2016 ( available on request ) showing no payment received ( or applied to my account ) and demanding a DOUBLE PAYMENT. No late fees were assessed by USFC and XXXX confirms that the payment was successfully made. My payment appears to be NOT being applied to my account intentionally ; ergo, embezzlement and/or mismanagement can not be ignored. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Open date of XXXX account is incorrect an I request a deletion of the entire listing 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Received phone call from XXXX XXXX XXXX ( XXXX ) and told that they were attempting to collect debt from bad check from 2002. Representative had the last XXXX of my SS # and my address. I was told that with fees and all, I owed {$350.00}. I asked if there was an office I could come to and pay and was told there was not. I asked where I could mail in a money order and was told I had to take care of it over the phone and if I did not legal papers would be filed and lawyers would get involved. I stated that I was not comfortable giving any account information over the phone and was told that I could call with a pre-paid credit card and pay that way, and I could settle the debt today for {$200.00}. I was also told that after I settled the debt, I would be mailed a letter stating that the issue had been resolved. When I asked for a case number I was told the system had just crashed and I could call back later for the number. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I am writing to the CFPB with the hope something could be done to persuade Bank of America to consider our claim of fraud and reimburse us the money that was stolen from us. XXXX fraudulent checks were written on a Bank of America checking account that my twin sister and I share jointly. We are the only ones that have access to this account and share XXXX checkbook. This account had an average of XXXX checks written on it per month totaling to an amount of a XXXX dollars. For XXXX consecutive days in XXXX 2015, XXXX separate fraudulent checks withdrew large amounts of money out of this checking account totaling {$6600.00}! We were never alerted to this activity and it was not noticed until XXXX XXXX, 2015 when I was reviewing our transactions. I immediately contacted the Fraud Dept for Bank of America and was reassured that once fraud was proven we would be reimbursed what was taken. Apparently, that was not true as our claim was denied because the fraud was not brought to the bank 's attention within 60 days of the incident. The bank does not claim any responsibility for noticing this unusual and criminal behavior. We were told that it was entirely the customer 's responsibility to be diligently aware of what was happening with their account. And usually I was very diligent in that regard. I would look over our transactions on a monthly basis for budget purposes. The 60 days following the fraud were the busiest 60 days of our lives. We were making a major life change at that time. We sold a house, we bought a house, we moved to a new city, we were working at a new job, and we were also taking care of our elderly mother. My usual practice of reviewing our bank account was delayed. The Fraud Dept ask me to write a letter explaining our circumstances and maybe an exception will be given to us. I have initiated XXXX requests for the agent to contact me, but have yet to hear from him. Bank of America advertises to its customers that they are on the look out for suspicious activity that may be fraudulent and that we need to keep contact information updated in order for them to let us know. Why are then we held responsible? We are devastated by this financial loss and the complete lack of support from our bank. Please help us if you can. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Navy Federal refuses to give me statements for my account. They have taken away access to my account. I have no idea on purchases that were made on my account, because they are withholding statements. I am hereby refusing to pay now since they refuse to tell me anything about my account. I have supplied them with my identification like they requested before but still nothing. I am attaching identification again with this. If any negative activity appears on my credit report I will pursue legal action with the courts against Navy Federal. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a credit card with US Bank. I made several attempts to pay the balance via telephone and internet. Phone kept on hanging up and internet log in did n't work. 
After I finally got to talk to somebody the bank charged me {$170.00} dollars in fees. And because I was 21 days late I am sure I was reported to credit reporting agencies. I feel I was treated unfairly paid my balance and close the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: my info does not match up with my social security number and i put in all of the correct information in and i still cant access my account 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On XXXX/XXXX/15 I paid my Macy 's credit card in person - some cash plus a check for {$1000.00}. In the past they 've always handed back my endorsed check, because it is processed as an electronic payment. This time the clerk kept the check - and a few days later, when my debit card was denied for insufficient funds, I found out that my checking account had been charged twice, once electronically and once as a check. But only {$1000.00} had been posted to my Macy 's account. After several phone calls and faxes, Macy 's " resolved '' this by treating it as a refund of an excess payment - in other words, they put the {$1000.00} back into my checking account but charged it to my Macy 's card!!! More faxes and phone calls ... .. More runarounds. Except for a letter on XX/XX/XXXX that was posted on-line ( never mailed to me! ) telling me my dispute was being looked into, I have NEVER HEARD FROM MACY 'S. Not when I had first put in the dispute and did n't give them all the info they needed - nope, they just quietly closed the dispute without bothering to tell me - just ignored me. Not when I had been promised calls back by a supervisor - no call back. When I call Macy 's one can not speak to anyone who has my correspondence in front of them - only the " back office '' has the actual correspondence, and the people on the phone only have the ( half-baked ) notes from the back office, so there 's no way to " confront my accuser '' or at least force them to explain what it is they do n't understand. Sometimes I could n't tell if the person I was speaking to was stupid, or just assumed I was stupid ( sure, I stupidly, mistakenly thought my {$1000.00} was missing ) - or maybe that I was making the whole story up. Oh, and to top things off, the website has a feature allowing you to send a message - but the feature is broken - you ca n't send a message!! Even alphanumeric characters give back an error message about " special characters '' that are n't allowed!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am an Authorized User on a Credit Card account. I have been in contact with my creditors furnishing this account to all XXXX credit bureaus. All except Transunion is not reporting this specific account on my Transunion credit report as well as not reporting on my Account Holder 's Transunion credit report. This account was supposed to be reporting from 2015 and we did not take notice of this unreporting until recent months when our credit scores were significantly lower than other credit bureau 's and compared what accounts were reporting and not reporting. Twice I have contacted Transunion and twice I came in contact with XXXX Transunion. Despite my informing him that the creditors have been reporting to Transunion, he continues to disagree and tell me that the creditors are n't reporting it and they need to contact Marketing Department directly. I said " Yes my creditors have in fact been in direct contact and I have documentation to show '' and he questions me. I requested today to speak with a Supervisor who tells me same thing as XXXX to have creditors contact Transunion directly. She said her name is XXXX XXXX. I told her I have documentation that Transunion is being contacted directly by my creditors and since she specifies Marketing Department handles the reporting I want the contact info and contact person to address this issue. She replies " I do n't have that information. '' I asked to speak to her Supervisor and she replies " I am the Supervisor. '' Funny how they are scripted to say this and how are we to know if such department exists, and if this department is even the one that updates credit reports. 
My complaint is they need to start reporting information, stop lying to consumers, and work faster to get matters resolved. This is months of good data going unreported!!! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Hunter Warfield is representing an XXXX that I visited and i was told i was DENIED the day of MOVE IN after signing the lease.I was assured the lease was not VALID. There was a computer error and they claimed I did not make enough money. I was short XXXX of the XXXX financial qualification. Years later I see this apartment community on my credit file. I was told by the credit bureau to submit the affidavit because the manager claimed the unit was rented and someone lived there under my name. I have mailed and faxed a idenity theft affidavit, A third party company named XXXX has also sent information to validate said information. I have sent my photo ID upon request and now they are using it as if they had it from the beginning. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I took out what was called The Gold Option Loan from Bank of America in 2008. The loan was for XXXX for a 60 month term. I paid over XXXX for 63 months. I have paid Bank of America over {$45000.00}. This loan was a bait and switch. Bank of America from the start kept changing the due date, they credit two payments to one month and claimed I was late. They added another 96 months to the term of the loan because they said I took more money out, which I did not. I am not the only who is making these claims. There are so many people that have the exact same story. Bank of America has since filed suit against me claiming I defaulted on the loan. I have not!! It is Bank of America who has faulted on the loan. I upheld my end of the deal. Please do not let Bank of America take any more of my money. I did not break the contract. This was a scam. Between appealing a advertisements and the misleading words of the customer service reps it was a complete Bait and Switch. Bank of America cheats and steals by any means possible. Every one who took this Gold Option Loan has been ripped off. If anyone does any research on this loan they will see how many people have been scammed. Bank of America has broken several laws. Please do n't let Bank of America get away with stealing from so many people who trusted that they could actually be a trustworthy company. Bank of America will cheat any one who does business with them. After some research it appears that they are not capable of doing business without ripping people off. Please help anyone who has been abused and taking advantage of by Bank of America. I want Bank of America to take the money they have all ready been paid and to never contact me again. I will never make the mistake of doing business with them again. I do not owe them anything else.I 'm not sure how to list this. It was supposed to be a loan which they later turned into a credit card. The advertising was very misleading. At one point they charged me a 44 % interest rate. They did not inform me of {$1000.00} transfer fee that made the account overdrawn. Thank you for your time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have called the company several times in an attempt to speak with someone. I am always transferred over to the same representative. I had to request an itemized summary of the charges multiple times before she complied. After receiving a copy of the itemized charges I called back to speak with someone about the discrepancies. I explained to her that the charges does not comply with state rental and housing laws for the state of TX and she began yelling at me and pulled my credit report without my authorization and said " you just do n't like paying your bills ; you do n't pay ( creditor ) or ( another creditor ) ''. I then asked her if she pulled my credit report without my consent and she laughed at me and hung up. I called back and asked the first agent that answered if I could speak with a supervisor only to be transferred back to the insulting agent. 

This company is charging me for, both, a reletting fee and acceleration of rent ; which is illegal by law. Housing laws prevent collecting payment of rent twice in the same month ; charging me an acceleration of rent AND reletting fees does just that. I am being billed {$850.00} for reletting fees to cover the loss the property incurs while the unit is unoccupied however, I have also been billed {$8600.00} for accelerated rent for the time period XXXX XXXX ( the day I was evicted through XXXX XXXX ( what would have been the last day of my contract ) .I have expressed to the agency that I know, by law, the property has to mitigate damages and can not charge me for the rent of an unit someone else was occupying and paying rent for. I have asked for them to tell me when the next occupant moved into the unit and have yet to receive the information. I have only been met with insults, placed on hold for extended and unreasonable periods of time, yelled at, treated as though I was subhuman, and completely neglected. Being unable to resolve this matter, despite the many calls I have placed to this company, has negatively impacted my life and finances. I have had to pay more for deposits at other complexes, my credit score has this blemish, I have been turned away from a local program that would aid me in obtaining a grant for the purchase of a home, and had to pay higher interest rates. For all of the previously listed reasons I have moved towards filing a lawsuit against this company for 1. ) Pulling my credit report without permission which is a violation of the Fair Credit Reporting Act Section 604 ( A ) ( 3 ) 2. ) Failing to validate the debt yet continuing to purse the collection of the debt which is a violation of the FCRA 809 ( b ) 3. ) Failing to validate my debt and continuing to report it to the credit bureaus which is also a violation of the FCRA under the same 809 ( b ) clause and 4. ) The abusive language used when I called a violation that I am protected against under the FDCPA Section 806. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was paying on a collections that was on my credit report from an old bill from XXXX. ENHANCRCVRCO had took over the debt once it went into collections. Well I had set up a payment plan with them and I was to make my final payment on XXXX XXXX, 2015 which I was told that by rep XXXX when I had first called into set up a payment schedule. Well before that day came I had called again because I had checked my credit report again and seen it said I owed the company XXXX dollars instead of the XXXX I was suppose to make as my last payment. So, I went ahead and called them to see why it said I owed XXXX dollars as my last payment instead of the XXXX that was originally stated. I was told by a rep who refused to repeat his name or give me his rep number that I owed it and I had to pay it and that was that. I went ahead and paid it because I 'm working on building my credit back up and did n't wan na it ruined by the XXXX dollars he claimed I owed due to bad payment history. My point of this is I was ripped off by this company I know for fact that I only owed XXXX and they jacked the payment up to get extra money out of me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: UPDATED COMPLAINT XXXX/XXXX/2015 I have been following my checking account for several days and was led to believe that there was more money in my checking account than was actually there. On Friday, XXXX/XXXX/2015 my account showed that XXXX outstanding checks in the amount of {$50.00} each had been paid and that I had a balance of {$24.00} approximately. I had XXXX ( XXXX ) outstanding check in the amount of {$25.00} and when I deposited {$13.00} electronically yesterday XXXX/XXXX/15 my account was overdrawn by the last {$50.00} check that my bank said was paid. I was charged {$12.00} and {$50.00} was withdrawn from my savings account to cover the over-drawn check. Now my account shows a balance of {$12.00}. I have been a loyal customer for years and I have never had any problems with my bank. Lately, I have been having problems with businesses that I had no problems with before such as my student loan lenders, XXXX. I had to file a complaint on them because they kept claiming to lose my applications for forbearance. I have been harassed by XXXX XXXX XXXX and have asked that they leave me alone. Despite my efforts to get them to leave me alone, they continue to harass/threaten me. It has gotten really out of hand. I even posted posts online asking them to leave me alone to no regard. This week my XXXX credit and XXXX accounts were hacked and I could not close out my checking, credit, or debit cards.. I had to call XXXX so they could close my account. 
How complaint can be satisfactorily addressedI am requesting that U.S. bank stop payment on check XXXX a lost check at their expense. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing a complaint against CitiMortgage based on their unwillingness to provide the HARP program to me due to the mortgage is for a manufactured home. 
I recently had my monthly take home income reduced from {$10000.00} to {$2000.00} and have a 12 year loan at a XXXX high annual percent rate of 6.25. 
I called the CitiMortage customer service telephone number on XXXX/XXXX/2015 and spoke with a person named XXXX ( employee # XXXX ). XXXX said that CitiMortgage considers HARPs as new loans and CitiMortgage does not do a HARP on manufactured housing. 

Address of the mortgaged property XXXX XXXX XXXX XXXX, IN. XXXX Loan Number - XXXX If HARP is a federal program to provide assistance than I should be included being eligible. 

Company response: Company chooses not to provide a public response