AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: When renewing my balloon home equity loan with Bank of America I was told I did not qualify and would have to apply for a modification. After 18 months my approval came through with Bank of America writing that I now had an affordable home equity line of credit payment. That is true for the first XXXX payments - not so much for the next XXXX payments that span 38 years. Then the rate goes to a close to market rate of 4.125 % with me paying more in finance charges than the amount of the loan more than doubling the amount owed. Bank of America gave me no indication that this was the only " modification " available until I received the paperwork. I had tried other avenues to write a loan but could not due to the stricter lending standards and the fact that my credit score took a bad hit when they reported me past due while the negotiations lingered on. 
This is a usury loan that only benefits the Bank of America. Even though I have made all trial payments timely and the new loan is in effect the old loan still shows on my credit report as past due. Due to the stricter underwriting rules placed on the big banks who caused the housing collapse ( i.e. Bank of America ) and in turn the recession I could not get a loan renewal. My only option, other than foreclosure, is to agree to a loan modification that cost me {$60000.00} finance charges on a {$59000.00} loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: citi will not refund credit due me. 

Company response: Company chooses not to provide a public response
Consumer complaint: My account for XXXX services I received from XXXX XXXX XXXX was placed at CRME Agency for collection. The information in my file contains my personal information including my XXXX. Recently I have noticed suspicious active on my credit report in the time my account was place in CRME Agency. I have notified the credit reporting agencies and was advised to confirm that any third party that received my information in 2015 is compliant with 45 CFR Parts 160, 162, and 164 Health Insurance Reform : Security Standards ; Final Rule, Gramm-Leach-Bliley Act and California A.B. 964 and A.B. 964. I have made the request and CRME refuses to provide this information 

Company response: Company chooses not to provide a public response
Consumer complaint: This concerns Bank of America and my active mortgage there. I have had trouble paying over the past several years. Due to the bankruptcy I filed in 2009, they are not able to give me pertinent information about my loan unless I specifically define what I am asking. In addition, every time I speak to a CSR, I am given the run-around - from additional numbers, to spouting rules that they can not provide a copy of. This has happened numerous times over the last several years, and more recently in the last 6 weeks. My loan is currently in foreclosure, with {$2200.00} dollars in attorney fees ( when the attorneys have only sent me a letter, and filed for a title search ( which is not even necessary in the state of GA ). When I question the fees, I am told I must pay them to reinstate the loan. Since I can not afford to lose my home, I am between a rock and a hard place. 
When I ask who I need to speak with about the fees, I am referred to a supervisor and no one above that supervisor. When I complain, I get a phone call back from the complaint department which turns out to be a " I hear you, and I am sorry '' conversation. 
Different CSRs have given conflicting information, and yet, whomever I am talking to at the moment can only reiterate what is in front of them - which does n't help at all. Bank of America has been a thorn in my side since they purchased this loan from Countrywide. I have had payments returned. I have had payments accepted over the phone for a later date, then the payment not processed, because the loan went into foreclosure before the payment date. I have never seen a banking system more designed for the consumer to fail in my life. The level of customer service is deplorable at best. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out an application on a credit card at Home Depot in XXXX 2015 because I was offered a promotion of 0 % interest for 18 months if I purchased items totaling between $ XXXX. I purchased a lawn mower for {$1200.00}. The front page of the invitation says no interest if balance paid in full during this time period. I just got my statement for XXXX and I was charged {$190.00} in interest because the balance was n't " Paid in full within 6 months ''. This is the small print inside of the offer that does n't coincide with the large print on the offer. I have documentation of all this if needed. The card is issued through XXXX Bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a judgement against my ex husband on XXXX bills that still show on my credit score. How can I get this off my credit score and on his??? 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened an account with Barclay card one year ago and I have never been late on a payment. All of a sudden, Barclays charged me a fee of {$500.00} as interest, running my account over the limit. This action represented the greatest threat of default on the card. It was bait and switch predatory lending in its worst form. I contacted the Consumer Financial Protection Bureau and Barclays turned around to waive the {$500.00} fee. However, in addition they used a new underhanded tactic to institute a punitive predatory interest rate of over 25 % on the account. This interest rate is higher than the 5-6 % interest rate that I currently have on my other accounts with other banks. Apart from being exploitative, It is a sure guarantee that this credit card will go into unavoidable default. There is no justification for this predatory lending practice. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit bureau is reporting me as deceased. When i tried to go and dispute it, I answered the questions wrong. They asked about a mortgage I did n't even have. The rest of the questions I answered were correct. I am now locked out. 

Company response: Company chooses not to provide a public response
Consumer complaint: Around XXXX XXXX, 2015, I received a letter in the XXXX Mail from " Experian '' Credit Bureau. Under the " Previous Addresses '' on my " Experian '' credit file it incorrectly stated that I lived at : " XXXX. XXXX XXXX ; XXXX, Ca ; XXXX '' as of " XXXX. '' I have never lived in " XXXX, California. '' In fact, I do n't even where " XXXX, California '' is located at. I am the victim of " Identity Theft. '' When I called " Experian '' to ask them to " Delete '' this false, " Identity Theft '' address, they kept me on " hold '' for over 30 minutes and then " Experian '' just hung up on me! 

Company response: Company chooses not to provide a public response
Consumer complaint: About 2 years ago I reached out to you twice for some assistance dealing with Bank of America as they refused to work with me on several of thier options to prevent foreclosure for which i qualified. I lost the property but just received a check from them for XXXX dollars because they wrote that they may not have provided me with the level of service I deserved. 

Company response: Company chooses not to provide a public response
Consumer complaint: SunTrust Bank offered me a XXXX to replace the bank card that doubled as a credit card, I agreed to accept it. They also offer convenience checks monthly. I needed to use one with the understanding that it was interest free for 18 months. Starting in XXXX, I was charged interest. When I called, I was told that because the credit card was no longer interest free, the amount of the convenience check and whatever charges I had would be combined and I would be charged at the rate of the credit card. I stopped using the card and was still charged interest. 
What I learned today is that my monthly payments were allocated toward paying off the convenience check, that carried no interest, instead of the credit card charges which of course carried interest. I was never given a choice on how to allocate my payments. It is my understanding that consumers should at least be told when this is happening. Instead, the representative explained that it 's buried somewhere in the credit card agreement that I agreed to let SunTrust make that choice for me. 
I pay my credit cards in full every month. I have been charged a fee to use the convenience check, and then charged interest every month. This appears to be deceptive at best. And SunTrust is unwilling to make any adjustments. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested my free annual credit report from the XXXX companies but was able to only access XXXX ( XXXX ) and it was full of incorrect information, appearing as if me and someone else got their credits combined. I called XXXX to dispute the information and they started an investigation. I was unable to get a report from XXXX and Experian because the security questions they asked me to access that information was full of information that I did n't know ( such as addresses in Florida that I never lived at or account numbers from someone else ). It does n't appear that my credit was tampered with or anything stolen but obviously there is a big mix-up. Help! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Bonus miles not applied to my account. The bonus miles are claimed to be available only if you use the card for a minimum amount of purchases in a three month period after account opening. While this is clear on the airline 's website, the terms and conditions as advertised, are not clear on the bank 's site. Using the internet archive, the website, as I saw it at the time of account opening is not available. 

Company response: Company chooses not to provide a public response
Consumer complaint: I closed an XXXX account in 2012 due to I have no signal in my house. I returned the cellphones and was charged a re-stocking fees, XXXX credited my account for the amount due to me, later a received an statement reflecting a debt. I returned to the XXXX store and the manager understood the matter and gave me adjustment form and noted the charges did not apply. Some time later I received another statement and returned to XXXX and explained this all over, I got another adjustment form noting I was penalized incorrectly and told me this was resolved. 
Then, At the beginning of this year I received a letter from Enhanced Recovery Company ( ERC ) LLC collecting an amount for ATT, I responded with a package of all documentation exonerating me from the debt. I never received a clearing letter from the collection company XXXX. 
On Thursday I checked my credit score and realized this account is still reported as on collection on the credit agencies. I contacted the collection company ERC and resend all information, today I received an email were ERC says they returned the case XXXX. I call XXXX customer service and financial office and no one help me. I ca n't get to the right office XXXX to clear my name, in the mean time my credit is affected and I ca n't get XXXX to engage in a conversation to clarify this since XXXX representatives told me that they can not help me since the account is close and there is zero balance. 
I need help in having XXXX clearing their mistake and clear my record, since XXXX in 2012 I have tried to correct it and provided XXXX all the information about this matter, no one has even look at it nor responded to me. 

See attachments. 


Thanks, XXXX XXXX XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Citibank has refused my timely request to opt out of the company 's new arbitration provision. Citibank lied about the date of my request. Certified Mail tracking proves that it was not only postmarked, but even received, before the postmark deadline. I believe that Citibank is expecting customers not to notice or question the imposition of arbitration. 

By way of background, I have been a Citibank credit card customer for 21 years, have never missed a payment, and have always maintained a high credit score. My account is in good standing and no disputes are pending. 

Facts, in chronological order : XXXX XXXX, 2015 : Citibank announces the proposed arbitration provision and the opt-out process. " You can reject the change to arbitration by writing to us ... Your letter must be postmarked on or before XXXX/XXXX/2015. We will not close your account ... '' Letter attached. 

XXXX XXXX, 2015 : I mail my opt-out request, XXXX XXXX, Certified, postage-paid. Letter and postmarked Certified Mail receipt attached. 

XXXX XXXX, 2015 : Citibank receives my letter, before even the postmark deadline. United States Postal Service tracking results attached. 

XXXX XXXX, 2015 : Citibank refuses my arbitration opt-out request. Citibank falsely claims that " you did n't mail your preference to opt out by the deadline we established. '' Letter attached. 

XXXX XXXX, 2015 : I file the present complaint with the Consumer Financial Protection Bureau and mail copies of the complaint and of the documents mentioned above to Citibank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage loan with Santander bank, and have been having difficulties paying my mortgage since I lost my full-time job in XXXX. I was denied Loan Modification 5 times over the past 4 years, the most recent being XXXX XXXX. In XXXX XXXX, I received help from CHFA ( in the form of a Loan - with deferred payments ) and brought my account current. 
Because the mortgage loan was never modified - I am still paying an interest rate of 5.75 % and the payments are almost {$1600.00}, I fell behind again in XXXX. 
I continue to make payments, and on XXXX XXXX, XXXX I had made enough payments totaling one month 's mortgage. 
However, Santander DID NOT apply the payments to my account, but instead sent my information to an attorney to begin the foreclosure process. On Monday XXXX XXXX, I received a letter from XXXX XXXX XXXX regarding said mortgage. I also received - on that same day- a mortgage statement dated XXXX XXXX, showing the unapplied funds. I immediately called Santander and spoke with XXXX XXXX, who could not give a valid reason why they did not apply the {$1500.00} to my account. 
Subsequently the mortgage company refunded me in XXXX installments the XXXX for {$790.00} received on XXXX/XXXX/XXXX and the XXXX for {$800.00} received on XXXX XXXX, XXXX. 
Santander Bank, by their actions FORCED me into foreclosure to suit themselves. Instead of assisting me to keep my house they are trying to forcible take my house from me. 
I am also a Social Security XXXX recipient. 
I have a modification package which I will complete and return to them within the next few days. 
Please investigate. 
Thank You XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Company filed a negative comment on my credit report. Did not receive any written communication from them.? This company inundated my land line for several consecutive days. I would not give them any of my personal information because I was unsure if they were a scam for my identity. I asked them to send me the invoice and also I was told that it will be put in dispute STATUS AND WOULD NOT BE ON MY Credit report till they here back from the creditor. next thing i know its on my credit report and I never received the invoice till this day!!!! but they added a derogatory comment on my credit report.I DESERVE VAILIDATION OF THE DEBT. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I did not authorize these company 's to pull my credit. These inquiries were not made by me. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: We started receiving calls from Firstsource ADV XXXX XXXX XXXX last summer about debt collection for someone else. I called back on XXXX XXXX, 2015. I told him that they have the wrong number and they were reaching the XXXX residence. In other words, they were calling the wrong person. We were rudely asked " what phone number do you want me to remove '' and we told him. He refused to take the case number ( XXXX ). However they still are calling us, and just called this morning, XXXX XXXX, 2015. We want this to stop! 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: In reference to my response from Citi Bank I was contacted by a rep by the name of XXXX XXXX I spoke to hear about my credit card request she promised me that my credit card application would be reacessed for credit card approval. I then call the reacessement line to get a up date only to find out that a credit card application reacessement was not submitted so she lied to me about submitting a request. this is one of the problems of the big banks no respect a bad customer service that lies to customers I am requesting that this be looked into because this only proves my point that these big banks do discrimmate againist minoritys I do n't understand why I was lied to about my credit card reacessement which was never submitted. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXChexSystemsConsumer RelationsXXXX XXXX XXXX. XXXX XXXX, XXXX XXXX : XXXXGreetings : I am writing to you to complain. Entries posted to my ChexSystems consumer credit report from 2012 are inaccurate. ChexSystems recommends this venue, publishing this website as the means in which to resolve disputes on my report. 

There are XXXX entries to address. Those are : XXXX, XXXX XXXX and XXXX. Each filed derogatory remarks with Chex Systems in 2012. At that time, I had a lawsuit filed against XXXX XXXX, XXXX, XXXX and XXXX. The lawsuit acknowledged numerous attempts to clear allegations printed in my reports. Inaccuracies were corrected from the evidence submitted, yet repeatedly reposted to my reports. As a XXXX person, I retained an attorney, XXXX XXXX. He claimed I would receive all but XXXX dollars to cover costs and fees to file. However, XXXX kept XXXX of XXXX of my settlement money paid by these defendants and, ChexSystems was not involved in the lawsuit. 

Again, I have no buisness with XXXX, XXXX XXXX, or XXXX. The alleged " account abuse '' made by XXXX XXXX and XXXX in 2012 are mistakes. XXXX XXXX wired funds to XXXX after I had cancelled a transfer and closed the XXXX account. XXXX XXXX personnel were to have reversed the entry to correct the the mistake when it occurred. An XXXX account has not ever been opened in my name as far as I know, nor have I ever communicated to, or received anything from this company. 

Recently, I notified the FTC of my concerns relating to compromises to my accounts and consumer credit reports. Implementing extra protection, I continue to address negative remarks that need to be deleted with ChexSystem. This report is a measure to avoid further delay in repairing my reports and correct inaccuracies in reports. 

Sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I am not certain this complaint is being posted in the correct area, but this is the closest area I could find related to my complaint. My complaint concerns the credit score reductions for no legitimate reason.Let me start by saying, I am not understanding why my credit score declines if someone simply inquires as to what it is. If my credit score is XXXX and someone runs my credit to see if I qualify for credit with them, it brings my score down XXXX points. Which now means my score is XXXX. This seems so unfair to me. A credit score should be diminished for failure to pay, slow payment, or bankruptcy. A credit score should not be decreased because someone inquires as to what it is. Example : : I decide to purchase a home, they run my credit, it is XXXX, borderline fair and poor. That lender is not meeting my needs and I decide to change lenders, and the new lender runs my credit and it has gone down XXXX points to XXXX which is now reflect the score as poor, which now means I ca n't get a house at all because my score has to be at least XXXX. I have not done anything wrong to cause this. I have not failed to pay anyone, or been delinquent with any payments. It 's as though you 're taking away my right to change my mind, and destroying my chance at home ownership just because of a credit inquiry. It does not seem to me that the services are making any money when a business inquires as to what your score is. If that is not correct, please enlighten me. This is a matter that needs some serious revamping, not later but as soon as possible. It is unfair to all consumers, whether the credit score is XXXX or XXXX. 
I will be sending this request for change to you every day until my voice is heard and also looking for other sources to voice my complaint to in the meantime. 


Thank you, 

Company response: Company chooses not to provide a public response
Consumer complaint: I was notified in XXXX that the mortgage payment ( {$500.00} ) I paid, XXXX XXXX for the XXXX XXXX due date had not been credited to my loan and was being " held ''. Apparently, my monthly payment was increased ( due a requested review of my escrow ) to account for potential shortage. I did not receive information explaining the increase from {$490.00} to {$590.00} before paying the historical amount. Once notified, I requested to have additional information sent, inquired into whether a credit bureau mark had taken place and requested that the {$500.00} being held be credited to the account as appropriate. I then set up the additional {$100.00} payment to be dispersed ( XXXX/XXXX/2015 ) as well as paying the XXXX XXXX payment due ( {$600.00} ), which I was informed was going to be the new payment moving forward. 
Since completing, I have received XXXX calls, that I now view as harassing in nature, in which Suntrust Mortgage is claiming I owe an additional {$490.00} ( on top of most likely late fees charged in error ). I do not agree with these tactics, as I 've not failed to meet the standards outlined within my contract. I pay my mortgage every month, the required amount and have been more than willing to adjust as needed. 
As of now, should Suntrust Mortgage fail to update and correct their records on file, should I incur any form of negative impact from their inabilities, I will seek legal counsel. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank continuously harasses me ( XXXX calls per day ) whenever my minimum payment is 2 weeks late until it is paid. This is completely unreasonable. I will be filing a written request with them to stop the calls as I use my phone for work and it is interfering with my ability to pay them. There is absolutely no constructive reason for these calls. 

Company response: Company chooses not to provide a public response