AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Hunt & Henriques, Attorneys at Law are debt collectors and violated the terms of the credit card agreement with XXXX XXXX by 1 ) filing a lawsuit instead of binding arbitration ; 2 ) Taking action against the authorized signatory holding the corporate credit card issued in the name of a limited liability corporation ; 3 ) Using threatening tactics in order to force authorized signatory into settling the account under duress. 

This complaint is being submitted in order to allow Hunt & Henriques an opportunity to respond instead of claiming they did not receive the previous complaint and exhibits which support my position this case. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: A debt collector by the name of XXXX XXXX XXXX in North Dakota has threatened to sue me for a credit card that fell into debt because of hardship in which the original creditor knew it was being closed for that reason. This debt collector tried serving me papers at my previous address and their representative harrassed my parents there in the process. I then got in contact with this debt collector erxplaining I am experiencing hardship and explained that the original creditor knew of the hardship. I tried to work with the debt collector in telling them I could only give so money so much each month but they refused my offer. THEY REFUSED MONEY FROM ME. They are still attempting to SUE ME when I have nothing and still experiencing hardship and receive public assistance which in some states that could prevent the debt collector from attempting to garnish wages. It says on my credit according to trans union that this account has been removed and is pretty much wiped off. Also I am in the process of going into bankruptcy. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was called by a collector but they refused to give me an address or the representative 's last name. They threatened to prosecute me for fraudulent activity and had information from a loan with " XXXX XXXX XXXX ''. The payment was over double what I had borrowed. They also said someone was coming to my house to deliver a " package '' after calling my employer and daughter for my address. I was intimidated and knew I did owe money so I released my personal checking information and authorized an immediate {$500.00} withdrawal and {$380.00} installments biweekly for XXXX more installments. They refused to send me anything in writing and said I would have the transaction ID. I only have a toll free number and was informed the company was located in California. Do I stop payment on the next installments? I am very uncomfortable and fear this is a fraudulent company. Nothing about the lending institution or collector is on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo has allowed incompetent employees to essentially force someone who is suffering from XXXX into a personal credit card with a rate XXXX points higher than the previous BUSINESS credit card he was attempting to transfer to a new BUSINESS credit card with Wells Fargo. The agent made the application for a personal credit card in mistake. In fact, the balance transfer was from a BUSINESS CREDIT CARD ( which was provided ) and was intended to go to another BUSINESS CREDIT CARD with Wells Fargo. Once the mistake was brought to the banks attention they FAILED repeatedly to resolve the situation within a timeframe for which they had control. The branch employees and manger made numerous promises to reverse and fix the issue only to go back on their word, eventually telling me, " we have your signature '' after the window of opportunity to resolve the issue was gone. I have documented the steps that were taken by the consumer to resolve this issue and the amount of time already invested by a XXXX customer. The regional and national managers have done nothing whatsoever in fact the national office has never returned multiple phone calls. I have also attached numerous voice recordings, some of which are the manager speaking to resolving the issues and refunding fees which have still never been refunded. This is fraud and fraud of a XXXX person. If the bank continues to play this as " we have your signature '', our next step will be to take the story to the local news, and then small claims court. Be advised. 

Company response: Company chooses not to provide a public response
Consumer complaint: I really need CITI to lower my interest rate for a short period of time. Because of lowering my original credit limits my credit score has dropped drastically. Therefore my ability to receive more work has been limited to the point where I need to make this request. 

Company response: Company chooses not to provide a public response
Consumer complaint: A debt collector by the name of rodenburg law firm in North Dakota has threatened to sue me for a credit card that fell into debt because of hardship in which the original creditor knew it was being closed for that reason. This debt collector tried serving me papers at my previous address and their representative harrassed my parents there in the process. I then got in contact with this debt collector erxplaining I am experiencing hardship and explained that the original creditor knew of the hardship. I tried to work with the debt collector in telling them I could only give so money so much each month but they refused my offer. THEY REFUSED MONEY FROM ME. They are still attempting to SUE ME when I have nothing and still experiencing hardship and receive public assistance which in some states that could prevent the debt collector from attempting to garnish wages. It says on my credit according to trans union that this account has been removed and is pretty much wiped off. Also I am in the process of going into bankruptcy. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XX/XX/XXXX I obtained a loan from Bank of America to purchase a building for my medical practice. Due to the economy, I had to close my practice in XX/XX/XXXX and now the building is under water. There is a short sale on the table, but BOA wants me to have personal resposibility for the almost {$200000.00} deficit with a variable rate of interest. At this point, the principle balance has been paid from the mortgage loan, and the interest of 9 % that was obtained by the bank from the line of credit that has now been paid off. Also, I feel there has been a level of malice from the loan officers at BOA, as I have tried to work something out with them since XX/XX/XXXX. On XXXX occasions, I was asked to submit financial statements and tax returns, only to never hear from anyone. My case has been turned over to a private debt collector, even though BOA has its own internal debt collection agency. I would like the matter resolved by the writing off of the balance from the short sale or at least only be liable for the difference in price from the appraised value and the short sale. Due to personal liability, this puts my personal residence in jeopardy. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am in concern to a mortgage we were approved for but has yet to close. We applied for a Mortgage back in XXXX 2015. We were approved sent in all our financial information, had our appraisal, foundation inspection, final approval and had to have a rent survey of our area. We prepaid for all of our inspections as they requested. Our seller did all his part and our closing dates have been changed as they requested the same information over and over again. Now they have let the appraisal expired and are asking it be redone again and start over. How are they allowed to do it? They have delayed several times and sent SAME docs OVER AND OVER AGAIN WITH THE SAME INFORMATION JUST CHANGED THE DATES.to be signed with same information several times. We have had dates to closed promised, and always delayed with XXXX excuse or another. ALSO THEY TOLD US IN A EMAIL NOTHING WOULD EXPIRED IT WOULD JUST BE UPDATED IN NEW DOCUMENTS .. THIS IS XXXX ALREADY AND STILL NO CLOSING. Why are they allowed to do this to a home buyer who is committed and has done everything they have asked. Buying a home is a huge investment in your future. It has taken a toll on our health with the stress, and on the lenders side no consideration for the home buyer who has done all they have asked for. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America lowered by credit limit from the original agreement. Therefore lowering my credit score. I now am not able to obtain better work and therefore my financial situation has changed. I need them know to be willing to lower my interest rate. 

Company response: Company chooses not to provide a public response
Consumer complaint: I never give out my work number as I am not allowed calls at work. I received a call today XXXX XXXX, 2015 from a XXXX at XXXX XXXX stating he needed the last XXXX of my social security number or he needed to verify my address I asked who he was collecting on behalf of as the debts I do have I am working directly with the people I owe and have payment arrangements. He stated he is not allowed to tell me until I give him the last XXXX of my social security or my street address. I said you can send me something in writing but he states they did. I have nothing from ACEI in any form of writing, I asked him when he mailed it he said by asking that question I verified my address..???? What? 

He also said he was calling my home number and I asked him to verify what number he had and he told me he can not give out my home number either. So how am I supposed to verify what they are calling me about without giving information to someone I know nothing about? 

Company response: Company chooses not to provide a public response
Consumer complaint: I was trying to make payment arrangements with my credit card company because I received a letter in the mail dated XXXX XXXX ( See attached ). I had until XXXX XXXX, 2015 to get in contact with them before they sent me to collections and would charge me an addition XXXX % on top of what I owe. I spoke to someone at AAFES on XXXX XXXX, 2015 about the unmanageable {$470.00} a month payment requested in the original letter. She and I made the payment arrangements of {$210.00} each month for 36 months. After all was said and done I agreed to put it in writing and fax in which I did on XXXX XXXX, 2015. 
The payment arrangements were to start on XXXX XXXX, 2015. When I called them on the XXXX, they had no record of the phone conversation or my fax. They had note that I called in on XXXX XXXX, 2015 to talk about the debt, but then no record of the lengthy phone conversation afterwards. I asked for them to listen to the recording for proof of the conversation. The customer service agent said she did not have access, only her manager. I asked for a manager, but the manager was not in after a ten minute hold. 
I talked with the debt collection company and they were not helpful. When I talked to AAFES they told me to pay them, and not the debt collection company. I can not control if an AAFES employee enters my data in the computer system or not and should not be penalized for her not updating the database with my new payment arrangements. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened a small business checking account with Bank of America, in part due to a {$100.00} bonus promotion. As shown in the attached advertisement ( which has been front and center on their home page for most of the year ), BoA promises a {$100.00} bonus posted to the account within 90 days, so long as a deposit of {$1000.00} or more is made within 60 days of the account opening date. The promotional ad and terms do not indicate that any other action is required other than depositing the required amount within that time frame. I have attached documentation showing a deposit of {$2000.00} on XXXX XXXX, 2015, less than one month after opening the account ( on XXXX XXXX, 2015 ). This falls well within the 60 day window stated in the fine print ). 

I have since had XXXX conversations with Bank of America customer service personnel ( some of which have lasted an hour, as agents round up information from various departments trying to figure out why the debit has not been posted ). Each confirmed that I seem to have met the criteria for the statement credit, and forward the complaint along for resolution. I only received a response from the company on XXXX of the XXXX requests for service that I filed ( Case # XXXX ), in which the emails states " Resolution action : Unable to complete as desired. To ensure the safety of your personal information we can not provide details related to your request in this notification. '' Upon calling the company, the agent noted that the back office requested I come into a branch, though this did not make sense to the agent given that it was an online promotion. The agent was not able to locate additional information, and promised to file another service request, but I did not receive a response. 

I have done as much as I can, and wasted a great deal of time that I could have spent more productively. Each time I am promised a resolution, which never materializes. I doubt that I am the only XXXX experiencing difficulties in receiving this promotion, and hope that some justice can be done. It is deplorable that Bank of America continues to promote this on their homepage while refusing to honor their commitments. They have already roped me into a number of fees commensurate with the bonus, but are refusing to take responsibility for their own commitments to their customers. 

As a small businessperson myself, I appreciate businesses that provide value to their customers rather than draining them of resources, energy and time. It is sad to see that Bank of America seems to fall in this latter category and that I am brought to seek out a regulatory institution to get a resolution. I am glad that there is a recourse to protect consumers who are being treated unfairly by the businesses they pay for service. 

XXXX XXXX, XXXX, XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: A portion of my medical bill was sent to the California Business Bureau and I reached out to the company to find around {$80.00} dollars in interest fees were charged to my account. I was seeking to have the policy and/or information containing the companies legal right to charge interest on a medical bill sent to me. The Vice President continued to tell me it was her legal right to charge interest. I again asked her to send the policy to me and she continued to talk over me and she appeared very angry that I was asking for what I believe to be my right. I do not feel I was adequately advised as to why I was being charged additional monies on my account. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: About a month ago, I inquired about the HARP program, and I was assigned to XXXX XXXX. I was told by XXXX that in order to be approved with the HARP program I have to be working. At that time I inquired about the HARP program, I was in between jobs and was only receiving unemployment benefits. On XXXX XXXX, I went back to work and contacted XXXX XXXX again. He instructed me to send him a copy of my paystub, and so I did on XXXX/XXXX/2015. As of today, I still have not heard from XXXX XXXX. I have been leaving messages at XXXX XXXX XXXX XXXX, but would not return any of my calls. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a check from XXXX to deposit into my account. After I deposited the check, the bank told me that the check is counterfeit. They closed my personal checking account along with my husband and my joint account. The fraud department told me that I have committed fraud. I believe that I am the victim in this situation and not the fraudulent person. We have been with Wells Fargo Bank since we retired and moved to FL 6 years ago. The bank wo n't let our mortgage check get paid from the joint account or let us use our money from that account. I think this is wrong and accusing me of fraud is wrong. Wells Fargo Bank has been very nasty to me and my husband about this. If they want to close an account, they should just close the account where the check was deposited. I do n't think they need to close an account that did not have the counterfeit check deposited. Wells Fargo bank told me that since I deposited a counterfeit check that I will never be able to have an account at their bank again. They are punishing me even though I am the victim. They wo n't let us have access to OUR money. I am ready to hire an attorney to deal with Wells Fargo and their saying I committed FRAUD and shutting down our joint account with my husbands social security money in it. They wo n't say that I am the victim with the fraud business that paid me with a counterfeit check. I make all of my deposits thru the ATM and they say that since I deposited the check thru the ATM that it is FRAUD. If they look at my history, I always deposit thru the ATM! I think Wells Fargo Bank has falsely accused me of FRAUD and not going after the people who wrote and sent me the counterfeit check is the easy way out for them. Wells Fargo Bank should investigate who the people are that wrote the counterfeit check and shut them down. 

Company response: Company chooses not to provide a public response
Consumer complaint: Have disputed this account with XXXX Transunion numerous times. Account has not fully been investigated properly. Have not been provided with information and different information being reported to each bureau. Have requested full verification as each report is showing different information and have yet to receive adequate proof of ownership. Have received statements but nothing proving I own the account and inconsistent information being reported across all XXXX bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: Customer called a number that did not belong to me but belonged to my parents, yelled at my mother insisting she was me, told her all of my information what I owe, payment got returned. I did not provide my parents number to the debt collector, and my parent 's number is on the do not call list. The collector was informed numerous times to not contact that number and continued. This collector is a 3rd party collector 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I got the information from credit report and was upset because I had tried to make payment arrangements with them, but they refused to accept arrangements and did not respond. I do n't feel that was fair as I offered what I could and they never, ever responded. When I would go to the automatic teller, it would get my information ; then reject it. I tried this several times. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I signed as a guarantor on a lease for my son XXXX XXXX on XXXX XXXX XXXX on a 1 year lease. On XXXX XXXX, XXXX my son signed a new lease on his own, which is the last lease. He signed XXXX prior to that. Once he signed a new lease on his own, I was no longer responsible. This was sent to collection, National Credit systems and they are now saying I owe them. In XXXX XXXX, I commenced to dispute this account and the dispute ended on XXXX XXXX, XXXX, they are still reporting this account as being in dispute and XXXX XXXX XXXX XXXX XXXX is verifying falsely that this account is still in dispute to prolong and stop me from moving forward in closing a loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was pre-approved by Pulte Mortgage to purchase a home from Pulte homes. ThisThis pre-approval was based on me fulfilling several things. My incomeneeded to be verified, I had to defer my student loans for a year, and I needed tpay off XXXX credit cards. I paid XXXX payments of {$500.00} each to Pulte as a downpayment and they told me my house would be complete by XXXX orearlier, but then told me it would be XXXX. I had picked a base modelthat only had some cosmetic changes like flooring and cabinet color. Thehouse was framed when I started losing hours and was afraid of losing my job. 
I immediately started looking for a new job so that I could still buy the house. Iended up losing my job and informed Pulte. I did get hired a week or so later, and would be starting a new job for less pay about 2 weeks later. I was toldby Pulte Mortgage that I would not be approved because of switching jobs andmaking less money. They told me I could apply with a co-signer but may stillnot be approved. I was told by Pulte homes that they were not returning my {$1500.00} because my mortgage was approved and I had defaulted. I neverreceived anything from Pulte Mortgage that I was approved and they hadnever even verified my income. I was also not able to pay off the credit cardsdue to reduced income because my hours were cut and I was makingpayments to Pulte. I also had yet to receive anything from my student loans toshow that they were deferred. During this time I received a call from Pultestating I needed to pay {$500.00} for an appraisal on the home. I told her I didn'thave {$500.00} and she said I could use a credit card. I told her I needed to payoff the credit card as a condition of my mortgage. I was told there would be no cclosing costs and did n't understand why I had to pay for an appraisal on ahouse that was n't even built. I asked Pulte Homes for my money back andwas told that they did n't have to return it because my mortgage was approved aand I was in default. I explained that I was only pre-approved and was n't able tto meet the conditions of the mortgage. I was left with no job and no money. 
Pulte offered to put my money toward the purchase of a home at a later date, but I will never buy a house from them. I just want and need my money back. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is on my credit report 1 ) without an amount. I never had internet for 2014. XXXX billed for internet. I had XXXX for phone. I have history of records, payments, etc. I have paid in full but it is on my credit. I was late with small payment but should not have owed that anyway due to no internet for the year 2014. 

Company response: Company chooses not to provide a public response
Consumer complaint: The lender overstepped his boundaries and did not honor his agreement for the first time down payment assistance program. This unethical behavior lead to, the lender trying to force me to purchase a home with monies that was not agreed upon nor discussed. As the buyer I lost an extensive amount of money along with a portion of my earnest money because of the lender 's unethical behavior and unwillingness to submit a denial letter. I understand this unethical behavior to be a case of predatory lending and the lender should be responsible for giving me back the other portion of my monies that I lost in earnest money and for a class that the lender was aware that I would not qualify for. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from CACH , LLC regarding a debt I never had any business relationship with CACH , LLC. I wrote a ( certified letter ) requesting verification of the debt. CACH , LLC. did not respond ; instead CACH , LLC. proceeded with legal action against me. I want CACH , LLC to verify the debt as allowed under the credit act law. 

Company response: Company chooses not to provide a public response