AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX/XXXX/15 I signed up for a XXXX Credit Tracker program to see my report and Fico credit score. 
I called them to verify cancellation and was told as long as I cancelled within XXXX day, there would be no additional charge. This is not true. They billed me XXXX on XXXX. I called today to discuss this and was told there was no refund and that i had only signed up for a XXXX day program. Had I not called to verify being able to cancel, I may agree. However, my biggest compliant is the actual package. Yes, I got a credit report but the " score '' was either not my FICO or was inaccurate. It gave me a number of XXXX. The same company gave XXXX XXXX XXXX. It gave XXXX XXXX XXXX and I could go on. Even for XXXX what did i pay for? Credit reports are to be free once a year. Disputes are also free to file. I have ever done anything else with them except that. Today I was told i had logged-in to look at the report. No, I open the consumer site looking for a phone number! There is misinformation, false advertising and possibly fraud here in what they say they offer. The supervisor told me to look at the page I logged on to for the disclaimer about the XXXX day trial. Even looking for it I could not find it. They have a mulch-colored box with all their services and packages and at the very top of the page on a grey background in grey type, it does mention the 7 day trial. This is done intentionally so that a consumer will over look it. There is no doubt about this. I want my money back. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of america has no legal standing to collect my mortgage payments. There was an assignment of mortgage done years after the merger with bank of america and countrywide and the assignment of mortgage appears to be fraud to me. The assignor portion was left blank and so was the address. And the XXXX employee who signed it were employees of bank of america. Furthermore, countrywide was never assigned to hold mortgage. Bank of America has been collecting my mortgage when they are not the holder or hold the mortgage. I attached the attachment of mortgage and written letter I am sending to Bank of America today. 

Company response: Company chooses not to provide a public response
Consumer complaint: Applied for Deed in Lieu of foreclosure with Wells Fargo.. Wellsfargo initially responded to claim : XXXX, stating in process of foreclosure.. The foreclosure process was subsequently stopped, and I have provided all documentation requested for the Deed in Lieu. However, I have not received any response from Wells Fargo or its agents ( title company ). The documentation was received and information used to update County files regarding property. Yet, I still have not received any further communication regarding property and deed in lieu acceptance. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Monday, XXXX XXXX,2015 I received a notice from my mortgage company that monthly payment would increase by XXXX dollars. I contacted SunTrust mortgage company and was informed that the increase was due to my property taxes going up by over XXXX dollars. After learning this, I went in person to XXXX XXXX tax assessors office and the XXXX county tax office. At both locations I was informed that they had not provided SunTrust mortgage company with any tax information. And they did not have any idea where SunTrust mortgage was getting their information. 
My wife and I are senior citizens. A XXXX dollar monthly increase in are mortgage payment would have a very serious impact on our lives because we live on a fixed income. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a loan modification for a loan that I have with Bank of America that I originally was obtained through Bank of America. I started this process in XXXX 2015. I finally was sent to underwriting and was declined ( of course ) on XXXX XXXX, 2015. I filed an appeal on XXXX XXXX, 2015, but only received letters and correspondence stating " We require additional processing time to review your appeal ''. When I contacted the author of the letter today, XXXX XXXX, he told me that it was past the appeal processing time as I had not submitted the supporting documentation. He gave me conflicting information as to was I was denied my modification and the appeal. I was initially told that I made too much money for this modification. Today I was told I did not make enough money. I questioned further and this supposed calculation was without the requested loan modification. He said I did not send in supporting documentation, but I have not been asked to submit supporting documentation. This process has become so convoluted, that each " Home Loan Team member '' does not know what each other has been doing and I believe that Bank of America has been making this process so difficult in order to make it impossible for me to keep my property. I can not get a lower interest rate for this loan and now I have been told that I can not get a loan modification. This loan was originated by Countrywide Home Loans and I believe that this was a predatory loan. I have contacted the funding company, who is Bank XXXX XXXX which this was never disclosed to me XXXX. It appears that Bank of America would rather keep the extra {$500.00} per month that I believe I am entitled to in order to keep my property. This loan was funded before interest rates decreased : 7.12 % and I have been trying for years to refinance and now modify without success and have been given numerous reasons during these processes. I do not want to lose this property and have done everything that I can to keep up on the payments. Please help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2014 certain person or persons unknown were granted access to the personal bank account of my deceased father XXXX XXXX through the presentation of a Small Estate Affidavit and on XXXX XXXX 2014 recieved a check in the amount of {$38000.00}. Though I am listed as the XXXX XXXX Executor on the Will and was listed as an equal heir to my siblings, I have not received any benefits from this bank account. I was told by BANK of America that I had no right to know who recieved these funds. 

Company response: Company chooses not to provide a public response
Consumer complaint: The Cash Store calls multiple times a day ( XXXX ) Using different numbers XXXX through XXXX. They have also begin calling my workplace. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a homeowner in the state of Va. I am currently in bankruptcy, I am surrendering my home under my bankruptcy, my home has not went thru the foreclosure process yet. Im in the process of moving out of the property, and when I went back to my property, my tv was missing. Is it legal for the mortgage company to change the locks on my property / take possession without notifying me or my attorney? 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested a Qualified Written Request from Shellpoint Mortgage. I alleged that they change the terms of my fixed rate mortgage ( with no prepayment penalty ) each month I pay more than the minimum payment amount. I allege they are penalizing me when I attempt to pre-pay my mortgage. Normally, every mortgage company I have dealt with ( until Shellpoint XXXX will apply the additional amount to the principal and push the due date for the next payment into the future, effectively shortening my loan. Shellpoint does n't do this. They apply the additional amount to the principal, then the RECALULATE the remaining principal and interest to maintain the original maturity date and require the next month 's payment in full. Their business practice end up making the loan appear younger and they end up collecting more interest than standard industry practices, but me as the consumer have no built in cushion to get ahead in my payments. Shellpoint 's response dated XXXX XXXX, 2015 states they feel my QFR does n't apply to them, that my complaint is n't about their servicing of the loan. They sent the original loan documents from the XXXX mortgage company XXXX as it happens that company did not recalculate my note each month I overpaid ) and restated what I said, with the exception of how they recalculate the loan every time more principal is paid than what is due. I would like to ensure they are NEVER allowed to purchase XXXX my loans in the future, as well as insist they can not recalculate the interest and principal ( amortization schedule ) to maintain the monthly payment amount and say they are n't changing the terms of my fixed rate mortgage when I pay down my principal. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a credit card opened in XX/XX/XXXX with XXXX, NA after I was married to my husband in XX/XX/XXXX. Even though it was in my name, we both used the card for both of our use, which included purposes for the home we bought in XX/XX/XXXX. However, since the credit reached a substantial high of {$6500.00}. along with other credit cards we had that we made home improvements on, we decided to refinance on a XXXX mortgage in XX/XX/XXXX with XXXX Mortgage eliminating these debts. Unfortunately, XXXX child later, and in XXXX, we divorced and I 'm left in a strict foreclosure after losing my job due to the economy crisis in XXXX and working XXXX jobs to meet the mortgage and during XXXX job I took a fall which left me on XXXX since XX/XX/XXXX, still fighting for XXXX. However, let me be brief ... XXXX, XXXX apparently sold off debt to XXXX XXXX , XXXX in XX/XX/XXXX, that 's XXXX years later. I 've never had it on my credit report since then. Like I said, I refinanced the debt in XXXX. When I received the letter from XXXX XXXX , XXXX inn XX/XX/XXXX ( which by the way is over the statute of limitations in CT ). I immediately advised them that this credit was refinanced in XX/XX/XXXX and she said ok I 'll take care of it. There must have been an error. I was never notified any time after that, but I was taken to small claims court in XXXX XXXX where there was a judgement against me yet no papers were ever sent to me for {$5000.00} judgement XXXX months later. Then they sold the debt off to another credit agency called Resolute Credit who is now again taking me back to court and threatening me when they know that they can not go into my funds because I am on worker 's compensation and I was receiving child support which just ended and my son is living with me until he goes to XXXX in XX/XX/XXXX. However, this man legally threatened to go after my checking account again for the same amount knowing I just turned into the court via fax An Exempt for Execution which I should n't have had to do in the first place because the Bank ( XXXX ) should have been able to protect my money with my Divorce Decree on File as well as my XXXX Check. They should have marked my account as XXXX!! And they did not do their job. So yes, I believe this should be made public for others to see. So it does n't happen to them. And their should be laws put against these Credit Card/Collection Agencies that do this because now I have this on my credit report which ruins my credit report while I now need to look for a place to live and when they need to check my credit score, it brought it down traumatically. And they should be held liable for this damage. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I revieved a notice on my credit reporting service ( Experian ) that I had a pending Inquiry. I looked into the XXXX inquiry and it was stemming from my previous apartment complex ( XXXX XXXX At XXXX XXXX ). The XXXX said that my account was closed and that I should not be hearing from XXXX. They also stated they do n't work with XXXX and sent my my final invoice showing XXXX balance. Experian opened a case on my behalf but XXXX would not agree to even though I have documentation showing a zero balance from The XXXX. Experian closed my case and stated that I should report to CFPB. 

Company response: Company chooses not to provide a public response
Consumer complaint: This also concerns an earlier complaint that is still unresolved, # XXXX. Since then, another unauthorized transaction has occurred. On XXXX XXXX, 2015. XXXX XXXX - XXXX deposited XXXX check into my savings account. Check XXXX in the amount of {$540.00} and check XXXX in the amount of {$220.00}. Despite previous warnings and flags attached to my Bank of America accounts that were in place to prevent this from happening, it happened again. XXXX XXXX XXXX had previously deposited checks into an account unknown to her. The XXXX XXXX Branch of B of A allowed XXXX XXXX to deposit these check into that account ( XXXX XXXX and when XXXX checks were returned to her she now had the complete account number of my savings account. Or maybe B of A just provided her with this information at that time. On XXXX XXXX, 2015 she used my name, not her own name when making this deposit ( as evidenced by the attached " counter credit '' ). I would like to know who these checks were make out to and who 's signature is on the back of these checks? 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit card has been fraud antsy charged for XXXX year for XXXX without my permission. I went to bank spoke with banker and they were going to contact XXXX and investagate thus far I have not reviewed any assistance or refund reflecting my credit card. I did not authorize the transaction at all. Nor do I watch XXXX. Please help me to find out why Bank of Anerica is negligent in following proper ethics and XXXX in credit card fraud reflecting their bank issued card? 

Company response: Company chooses not to provide a public response
Consumer complaint: A woman calls up to XXXX times a day and has left several messages on my employer 's voice mail stating that she is calling regarding an unpaid debt. My employer has threatened to relieve me of my duties if they continue to contact me at work. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Enhanced Recovery has reported XXXX negative trade lines with failing to properly validating the debt. On XXXX XXXX I received a collection notice from Enhanced Recovery payment of {$390.00} for a debt owed to XXXX XXXX. I sent them a request for validation. It looks like they received it XXXX XXXX, 2015. Enhanced Recovery failed to properly validated this debt and reported it as a collection in XXXX of 2015. Furthermore on Enhanced Recovery sent me a settlement offer XXXX XXXX, 2015 for a XXXX account again i sent them a request for validation ( a letter dated XXXX XXXX, 2015. I never received anything from them. In XXXX 2015 a collection was placed on my credit report. I firmly believe that Enhanced Recovery actions are illegal. I want these negative entries removed from my credit report. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Today i went in to pay my loan, and i wanted to renew it and the lady said no because i told her about a month ago that i maybe moving to florida if I 'm able to save up by XX/XX/XXXX. but i do n't have the money to move so I 'm just gonnna move in with my mom until tax time. But she told me that she will not renew cause she put it in the computer that i was moving but that was rude and i will never walk in there again. i need the manager. AND also they keep sending me txt telling me to renew 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went to see an apt that i wanted to rent from whom i thought was a realtor. She explained to me what steps to take to deposit my money into the owners bank account to hold the apt for myself. After i deposited the amount i needed and sent her confirmation she said she would call me back and set up a time for the next day to sign a lease agreement. After a few hours my phone calls would go straight to voicemail and now I 'm trying to get my deposit back from this scammers account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello. I have a past due credit card account with USAA. I have been making attempts to contact USAA for the past XXXX weeks in order to settle this debt. I have yet to reach anyone about this. I have waited on hold for up to an hour to speak to someone and I 'm still unable to get through. I recently received my XXXX rating from the VA. I have been diagnosed with XXXX from being an XXXX in the XXXX XXXX serving in XXXX, XXXX. My experience took a very big personal toll on my ability to properly manage my finances and personal matters. In addition, I was caring for my father who was at the time, a XXXX patient. My father was receiving XXXX from a result from his condition. This income was being used to manage our shared finances. He passed away from his condition and the XXXX payments stopped. I dealing with my father 's death and loss of income, I was not in the right mind to manage my personal finances. I could not afford the payments on this account and it caused it to charge off. I have not heard from USAA in the last couple of years in reference to this account. Now that I received my XXXX rating from the VA, I also received a large payment from them. I immediately set out to settle my debts. USAA was the first company I attempted to contact but I was unable to reach anyone. I have since settled other debts and now I have a little under XXXX XXXX dollars to settle this debt. My intention was to settle this debt for a reasonable amount but now this is all that is left. This is very unfortunate since I had the ability to pay this off and USAA was the first in line. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX 2014 I cancelled my credit card with barclays bank. I just received a collection notice from XXXX wanting XXXX. I called Barclay bank they say that a bill was paid over a month after the card had been cancelled for XXXX. They never contacted me about the bill. I asked them for the phone # and address they had and it was correct, I asked them why they never contacted me, they did not know. I said i would pay the XXXX, they said they could not deal with me that I have to deal with the collection agency. The collection agency wants XXXX and will not deal. I asked if I pay the XXXX would they take it off my credit report they said no. First I believe barclays had no authority to pay the XXXX and should have had the store contact me. Second Barclays should have at least tried to contact me about the XXXX dollars. Now they have destroyed my credit. I am willing to pay the XXXX but they must remove it from my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened up a XXXX " Outdoor Rewards '' Master Card. I did not get a " XXXX '' statement. The XXXX statement I received said that I missed the XXXX payment and I was being assessed a {$25.00} late fee plus {$7.00} in interest. I called the customer service number and " XXXX '' said that she could not help me and take the late fee off due to my accnt. being delinquent. So, according to them, it is my fault that I did not make the XXXX payment ( even though there is no way I could have not having received a first statement ). 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone opened an account in my maiden name with my social security number in 2005. 
I am now getting collection calls in reference to this account. This account does not appear on my credit record. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have Barclay closed all my accounts with out any good reason. 
The bank took all my reward ( proximately {$550.00} ) and or promotion that I have on all my accounts. 
The bank offer no solution but took away the right to charge any thing on the account immediately with out notify me first. 
The bank would not refund the membership fee that I paid on the account. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX closed the account many years ago and submitted it to CACH LLC for collection. This debt was disputed and the amount owed. CACH continues to report it every year to keep it open on my credit report and I have never received a copy of the orginal paperwork as requested from XXXX. XXXX is reporting it as well as CACH. So I have XXXX companies reporting the same debt each with different amounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was forced to file for a loan modification due to a hardship brought about by a divorce. I made every payment up to when I was sent a letter stating what my new payment would be and the date that the next payment was due. My loan modification specialist said that I must make these three payments for that amount, on or before the date that they were due, or my modification would either be delayed or denied. I made the XXXX payments and was subsequently modified after the XXXX monthly trial payments. I checked my credit score in the months following and found that two XXXX day late payments showed up. I have since followed up many times with the bank, only to get conflicting answers. XXXX answer I received from the bank is that I should have paid another full payment before the trail payment that they wanted me to pay. My Attached documents show that I paid every payment up to XX/XX/XXXX. I received a letter from the Bank on XXXX XXXX, stating that I would now be entering into a new payment schedule, and that the next payment was due on XXXX XXXX. Another answer was that the lates resulted from the difference between my unmodified payment and the trial payment. I was never informed that I needed to keep paying my old amount or in other terms above what they asked me to pay during the trial period. Bottom line I paid what they told me to pay, when they wanted it to be paid. I would have had no issue paying more if they wanted more. Also the late payments on my credit report state they occurred during the trial period, if this was the case the bank would have delayed or not given me a loan modification, neither of those happened. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased and closed on my home XX/XX/2014. To my surprise i just received a letter from my servicer that there is a {$4000.00} shortgage to cover the taxes and insurance. I contacted the title co who prepared Hud 1 and I contacted the Wells Fargo who preparedthe closing documents. Each are blaming one another. My mortgage payment is {$1000.00} and now going to increase to over {$1600.00} to cover the shortage. I would like to know how in the world was i even approved for this loan? My husband is XXXX years old and im XXXX. This home was a flip home and i never met the seller. I believe they purposely kept the correct annual taxes amount hidden from me because when i would ask them during the process " what are my taxes '' they would just say " oh about {$350.00} a month ''. I believe they did this cause i didnt qualify for the actual amount. I come to find out after 1 year my taxes are {$7100.00} a year as opposed to {$4200.00}. I am now in a position that i may have to sell my house. This is a huge burden for us!! 

Company response: Company chooses not to provide a public response
Consumer complaint: According to my credit report I owed {$130.00} to XXXX XXXX XXXX. However, they have no record of me ever having an outstanding balance with them. Neither do I. 

Company response: Company chooses not to provide a public response