AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a mortgage with Bank of America, I did a loan modification last year and all way good. This past XXXX they raised my payment {$700.00} and said it was because my escrow was short {$5000.00}. I asked why this amount was n't added into the modification. They told me it was missed. I was also told that I could do another loan modification in a year and I was at 8 months from my last XXXX. So I did n't make my XXXX, XXXX, XXXX, XXXX payments and I started the loan modification process in XXXX. after a lot and I mean a lot of faxing, explaining, and showing prof of earnings. I get an answer, I do n't qualify. That same week I get a letter saying Its not 12 months to do a re loan modification it 's 24 months. So I filed a complaint with the CFPB and got a response from Bank of America with in 2 days. I was assigned a Customer Relations Manager. I talked with him and was told he will work hard to come to a resolution to the complaint. Now I 'm behind 6 months on my mortgage. He tells me to make a payment for XXXX of {$400.00} more then my original modification amount. So I did, he says now I 'll only be behind 6 months behind and my XXXX payment will only " Get this would be {$100.00} more then, my original loan modification. Then I get a letter in the mail XXXX/XXXX/2015 saying that a escrow review was conducted and my escrow account is now NOT negative. I call Bank of America today to Just find out where to send my XXXX payment. The customer care guy says that my house is in foreclose and a sales date could be at anytime. he also tells me that I 'm 7 months behind not XXXX. I asked to speak to my Customer Relations manager, He says I am no longer assigned XXXX. Also he tells me that Bank of America will not except any payments, The only payment that they will except, is XXXX that will bring my mortgage current. So I ask him whats the total amount to bring it current, He says I do n't know. He 'll have to email the lawyer that is handling the foreclose. I said, can I contact him, He says no, I ask to talk to my customer relations manager, He says no he 's not allowed to transfer me. So in short of it all. Bank of America took me on a 6 month, Stressful and pointless circle for {$100.00} which set me back 7 months on my mortgage and looks like getting foreclosed on. Thank you Bank of America. 

Company response: Company chooses not to provide a public response
Consumer complaint: hello my name is XXXX i bought a car from a buy here pay here dealership. they sold me a used car with many mechanical problems. without me even knowing they sold my account to another financial loan company. This company has made my life XXXX literally from the moment i started receiving bills in the mail i was in shock i didnt know who they were. so when my vehicle started giving me major problems after making {$280.00} payment i called the company and told her i didnt want the car no more that i wanted to surrender it even though i knew it was going to hurt my credit. the lady said i couldnt that i knew it was used and that i was still responsible for the account basically she didnt care about my opinion or my feelings as a customer, or about my situation. i paid a mechanic to fix it and within a few weeks again it breaks down on me. this was really bothering me i couldnt pay insurance, pay car payments and pay repairs on top of all my extra bills. i called the lady again and explained to her again i wanted to surrender my vehicle. i couldnt afford paying all this money for something that was going to keep breaking down on me. she said no. she said if i would do that that the towing truck costs was going to be added to my account. and that the vehicle was probably going to be auctioned for {$500.00}. so basically this {$3200.00} car was being given away for free. i had tears after i hanged up with her. how can they make you keep making payments when you are telling them you do not want it anymore. i stopped making payments. i took insurance, and plates off. the vehicle was parked for over a month without being used. they kept calling and calling me threatening me with wage garnishments, taking me to court if i wouldnt make a payment. i told them please wait, please be patient with me, and to please just come and get the car. the lady insisted i sell the car. and then they would deside if they would give buyer the title. this has made me so stressed out. i feel scared of answering the phone. im scared to go to court. i cant believe theres companies out there who give XXXX cents for their customers. its hard making payments on time especially when im a mom of XXXX children. i want to sue these people. file a complaint XXXX for threatening me and doing things that they said they were going to do and didnt do. i feel this shouldnt happen to anyone ever. please help. please help!!!!!!! yesterday XXXX my car was towed away for not having insurance or plates. on top of this i have received many many calls from the company today they dont care about anything or anybody. they even hanged up on me. i dont want to keep dealing with these rude ignorant women. they should be the ones paying the towing truck company for not listening to me. for not putting their customers needs XXXX before theirs. us as customers are the reason why they have a job and a paycheck. please help ... i want to get this to the highest level there is. i want a judge to listen to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, My name is XXXX XXXX XXXX and I would like to file a compliant against TransUnion for reporting a collection account to my name that has been paid through my insurance in full and no longer owed. Beginning on XX/XX/XXXX I began my dispute process with Transunion, which has been one of the most tormenting experiences of my life. Initially they processed my dispute and quickly claimed it was verified to me. Then, I began sending them requests to know how these items were verified when my insurance had covered the balances completely through XXXX XXXX on XX/XX/XXXX. This Item was placed in collection by accident and was never overdue or owed. Transunion only claimed that they would no longer process any more disputes or letters from me on the matter and quickly shut me down with no evidence of an investigation, no results regarding how the invalid collection was verified and no answers on who verified it and when. The collection agency refuses to speak to me and they have, on numerous occasions, hung up the telephone while I was speaking and questioning their debt claims against me. I have also filed CFPB complaints against the collection company, XXXX XXXX in XXXX California, for illegally and fraudulently reporting onto my credit file with Transunion. Under FCRA guidelines I understand that as a consumer I have rights to dispute inaccurate and invalid items as needed and that my credit file must be reported with 100 % accuracy ; and this is absolutely in violation of that. 

Company response: Company chooses not to provide a public response
Consumer complaint: Please see attachment. Select Portfolio is making a claim that it represents my creditor. They claim there is an assignment that took place by XXXX assigning my note to some Trust. They never sent me a copy of the assignment. Please help me get understanding and to get them to send me proof of an assignment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I asked XXXX to investigate the information regarding XXXX XXXX Credit Union. The CRA swears that the information is valid and refuses to invesitigate when I know for I fact the account is over years old. I got approved for a loan with XXXX in XXXX and the XXXX reported deliquency was in XXXX. The CRA has down XXXX. While XXXX was the date the car was repossessed. So how can that be? 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015, I saw an online promotion from CITI which said XXXX bonus ThankYou Points canbe awarded after {$2000.00} in purchases within XXXX months if a new CITI Preferred Card is opened. Then I followed the link to apply the card and got instant approval after application. Then I spent more than {$2000.00} within XXXX months, and in the XXXX month, guess what, not a single ThankYou point was awarded. I called CITI customer service twice and they just responded that investigation is needed. I also mailed once, and finally on XXXX/XXXX/2015, I received a mail from CITI explaining the reason : " ... this account is not eligible for the offer you mentioned because you have had the same or similar offer on another account that has been either been opened or closed within the last XXXX months ''. What a despot clause! Where did CITI mention a period of XXXX months is needed for a new card to be awarded when I applied the new card? That is also unreasonable, does it mean I could not buy XXXX cars simply because the dealer has to offer promotion discounts for XXXX cars. Why CITI play such a trick in order to keep customers opening new cards and our customers just act like fools to spend money ( sometimes buying extra unneeded stuff ) in order to reach the amount required in XXXX months. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was starting my small business in XXXX XXXX about two years ago. I ordered an XXXX computer using the Barclay credit card which offered what I thought was 2 years no interest. It turns out it was XXXX years deferred interest. This was not clear to me at the beginning nor was the amount I would end up be charged in interest if I only paid the minimum payment every month. I was n't made aware of the coming interest charge until a month before the deferred interest kicked in. The interest charge on my XXXX bill was a {$1500.00}. 

I have struggled to keep my business afloat in a tough market in XXXX of the most expensive cities in the world. I am a XXXX. My rent and expenses are a burden. Suddenly, I have been hit with a over {$1500.00} interest charge. Its a disaster for my business and for me personally. I believe the terms on these cards need to be VERY CLEARLY stated to people interested in using them or out-lawed all together. That XXXX, the most profitably company in the world, does this to small businesses and everyday consumers is a disgrace. I fully expect to pay interest on credit but this is just a dirty trick. 

Company response: Company chooses not to provide a public response
Consumer complaint: I want that charge off amount of {$300.00} to be taken off of my account with XXXX XXXX. I have paid up in full my monies due from the balance due. 

Company response: Company chooses not to provide a public response
Consumer complaint: A.R.M. representative called my boss at home and yelled at her, threatened to " ruin '' her personal credit for an office debt that we do not consider to be a valid debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have credit inquiries from XXXX. I am concerned as there have been XXXX inquiries by this company. How do I get rid of them? I am not comfortable with them having access to my credit report when I did n't initialize anything with them. Please let me know what I should do about this. I am concerned for the security and confidentiality of my personal credit information. There are many individuals who have been charged fees for products that they did not request. 

Company response: Company chooses not to provide a public response
Consumer complaint: Although I have filed bankruptcy and this was discharged in XXXX 2014, I am still battling with the credit agencies and creditors to reflect accuracy - this inhibits the ability to move forward and gain a credit history ; which was the ultimate goal of going to this extreme. I am simply trying to face forward and establish some positivity out of a horrendous situation. However, it has been months and they seem to discredit my claim. This is why I turn to this portal and request some assistance they may take a little more seriously ... thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit Bureaus are giving out wrong information on me and refuse to give me my credit report. I am being discriminated by the credit bureaus and they are giving the XXXX person, who is using my information the correct information, and giving the people that I apply too, the wrong information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently had an escrow analysis done by Shellpoint Mortgage servicing. The analysis came back as me owing {$440000.00} due to a shortage in my escrow account. I Knew my shortage was coming. I tried to contact Shellpoint multiple times to try to pay more in my escrow account to offset the eventual increase in my impounds account. Most of the additional money was applied to my principle of my loan, or the money was put in a side account, and nothing was done with it to reduce my shortfall in my impounds account. When I tried to notify Shellpoint about an impending increase in my impounds account, they told me to write a different check for the amount of my shortage for my impounds account, and write Escrow Only on the check a long with my account number. I did everything they ask, and my checks were still applied to my principle. I called them again to speak with someone in escrow regarding my impending increase in my escrow account. They stated all information must go through customer service, and I could not speak with their escrow department. They said I could fax a letter to them about my problem. I faxed a letter to them, and they still did nothing. Eventually Shellpoint refunded all of my excess funds sent to them for the shortage in my impounds account. When I received my analysis recently, I was told if I could n't pay the amount in full, my monthly payments on my mortgage would go up {$800.00} a month more. I would have to pay off the amount owed in my impound account, and play catch up with my shortfall in my impounds account. This is clear evidence of Shellpoint trying to generate debt. By doing so, they would get interest on my impounds shortage, mortgage interest, and of course the amount owed for the shortage. This is clearly an intentional act to get more money from the consumer. Their accounting practices are always behind in what is owed. They hit you with late fees if your are late even if it was their fault. It seems one hand does not know what the other is doing. 
Shellpoint is clearly trying to make customers default by their business practices. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Wells Fargo wrongfully denied a modification because : They said you had to be in default to qualify ( which I do n't ) ; There was a change in circumstances because I lost one of my jobs that they did n't consider. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to refinance my XXXX Mortgage, this was an interest only loan from XX/XX/XXXX that went to a 6 month ARM. the value is finaly such that I have enough equity to refinance. The process was started on XX/XX/XXXX. I also have a XXXX mortgage that must be subordinated through Select Portfolio Services. All requested documents were sent by me within days of request. both companies have dropped the ball on loan processing. the XXXX lien holder took XXXX ; 30 days to complete the subordination agreement. When it was sent back to them for signature, they said it did not match the good faith. When it was corrected and sent back for signature, the signature line was incorrect!!! Now for the XXXX time the subordination agreement is with them to be completed and they are still dragging their feet. this was to refi my ARM to a fixed rate loan lowering my payment by over a {$1000.00} per month. To get either company moving I keep escalating my complaints but they both are so incompetent. They are happy to take my payment on time each month for the last 10 years of course when I refinance, they will make less money. Not sure if there is anything you can do about this issue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have had horrible experience with CIG financial. First and foremost the employees are extremely rude and unprofessional. I receive calls, text messages, and emails with very demeaning remarks. They have contacted my family members, friends, and neighbors disclosing information about my account and threatening legal action and imprisonment. The employers and supervisors of my references have also been contacted and given information about my account. Even after contacting supervisors and general managers the problems continue. I have been humiliated and my references jobs have been jeopardized due to the harassing calls and personal issues being presented to the work place. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I call the credit card company and they was not going to help me. I do know what they are taking about I did n't got a credit card from know one please help me with this and thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: My complaint with Select Portfolio Servicing is that they constantly keep asking for documents that were already submitted for a loan modification. When it gets close to the sale date for the house they denied the modification because they said it was close to the sales date. 
Property address XXXX XXXX XXXX XXXX XXXX, Fl XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bursey & Associates acted as a debt collector for XXXX XXXX. I settled to accounts with them and was advised that the accounts would be updated on my credit report to show settled. As of XXXX both accounts are showing as collections by XXXX XXXX XXXX and XXXX. See attached letters as proof of settlement. The abusive language refers to questions they asked. Where are you going to get the money etc. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am asking XXXX for validation of debt for a collection they say I owe for an apartment complex. I have sent them 3 letters asking for validation. The XXXX letter said their client verified the name and address listed on the account was correct. I did n't ask for that, I asked for legal validation. In the XXXX letter I received, they sent a statement with my name but not my signature from a lease agreement, nothing showing my DOB or SSN. It had an apartment complex manager 's signature, not mine. That is not valid proof. The third letter flat out refused to send me anything stating they already sent proof which they did not. The XXXX major credit reporting agencies keep sending me reports back saying they verified the account and belongs to me. I requested in my last correspondence with them what their method of verification was on this account when I am not getting any legal verification. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've been a member of USAA since 1990. Like millions of Americans, I was hit hard by the Great Recession. And was divorced, lost my job and forced to sell my much devalued home through short-sale ALL in the same year. Subsequently, I was forced to file for bankruptcy. Got back on my feet within two years but, USAA blocked access to their " full '' website immediately. For 3 1/2 years I have only been allowed access to my accounts through a minimized web page holding only cryptic information as an alternative. When I log into USAA, it actually closes immediately and transfers me to another page where you have to go through the entire procedure again. The " new '' web site that opens only offers minimal access. USAA also insures my car and when I had an accident a month ago, I could not see vital information pertaining to my claim. Their actions are clearly punitive. I kept my pre-bankruptcy bank accounts open ONLY to pay my insurance bill each month without much bother and do business through another bank. It is disturbing that I can not access information that is mine. Communicating with the adjuster has become nearly impossible as I can not download forms, photos or send emails that are allowed through the full web site. All things necessary to complete my damage claim. 
I have read online from other USAA members that this is a common practice for USAA that amounts to a " punishment '' for losing financial stability. Punishment on its members for causing the bank lose capital either through defaulted loans or credit card debt. 
An interesting side note. I also have an IRA brokerage account through USAA. Numerous times I have tried to place money in the IRA and been rejected. The full web site offers easy access for adding to IRA and similar investment accounts. The reduced web site access offers no avenue for increasing the amount in my IRA which has stayed at {$11.00} for 3 1/2 years. Seems USAA does n't want my investment dollars either! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I would like the late status for the rating to be removed from XX/XX/2010 as 30 days. So that my account truely reflects what it should. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I was traveling with my wife on XXXX XXXX Flight number XXXX from XXXX to XXXX. The pilot came on the speaker at approximately XXXX CDT and announced that if we applied for an XXXX XXXX Advantage Card, we would receive a sign up bonus of XXXX frequent flyer miles and if we turned the application back into the flight attendant while on board we would receive an additional XXXX frequent flyer miles. Both my wife and I applied and turned our applications into the flight attendant. When the flight attendant brought us the application and we saw it only mentioned XXXX miles in the application, we questioned her to make sure we understood that if we applied, met the other qualifications ( spend {$3000.00} within 90 days ) and were approved and it occurred while on board, we would received a total of XXXX frequent flyer miles. The flight attendant assured us that this was correct. Also the application noted our flight number ( XXXX ) next to our signatures. 
We were both approved and when the literature arrived, describing the card and its benefits, it did not mention any supplemental benefit, i.e., the additional XXXX miles. I immediately called Citibank and spoke to a representative and gave him all of the details. I received a letter on Friday XX/XX/XXXX that said they had investigated my complaint and they advised they could not approve the additional miles. I have covered my damages by buying XXXX miles for {$860.00} today. I observed several other passengers apply the same time I did, so there may as many as XXXX-XXXX other parties affected. They would be easy to find as the application date would be XX/XX/XXXX, XX/XX/XXXX or at most the XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, with a balance owed, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due, and recall monthly reports of charge-off for the period spanning XXXX 2014 to XX/XX/XXXX. 

Company response: Company chooses not to provide a public response