AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX XXXX I went foreclosure due my financial hardship of income loss and my sons condition he was having with his XXXX and XXXX.. I recently did a uniform borrower assistance form for Bank of America and in XX/XX/XXXX I was denied a loan modification on XXXX XXXX XXXX .. I appealed and was denied on XXXX XXXX because they said I did not have a Financial hardship and my Income was the same and my bills are not higher than my income. I Fax all my housing expense documents to Bank of America pertaining my job loss, bills and home insurance premiums property taxes and they still did not look this through and waited to the last minute to call me. I also told Bank America my mom does not help me anymore and that was a loss of income I dont get anymore. I also was not gived a written notice to prevent a foreclosure for my home. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: took out a {$5000.00} cash advance on my bank account 115.00 % rate could not pay the high cost cash advances is not legal in the state of Arkansas XXXX is reporting these accounts for cash call XXXX XXXX collections 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Re : XXXX Macy 's Store Card I CALLED TO FIND OUT IF CARD WAS GOOD, AND THEY SAID IT WAS GOOD. 
AT THE MACY 'S STORE IN XXXX XXXX, IT WAS DECLINED, AND THEY SAID IT WAS CLOSED A YEAR AGO. I WAS NEVER INFORMED ABOUT CLOSING THIS ACCOUNT, AND I WAS OWING NO MONEY, AND WHY DID THEY CLOSE IT? THIS WAS WRONG. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I somehow have a fraud alert on my Experian credit report. I can not get it removed and now I am unable to be on our mortgage bc my mortgage company ca n't pull my Experian report bc of this fraud alert. My interest rate is also going up almost XXXX points bc I am unable to be on the mortgage. Mortgage company has no problems pulling the others reports w the other bureaus. 
Over the last 6 weeks -- -I have called 3 times, submitted 4 faxes, mailed a letter AND uploaded a document via Experian upload. AND THE FRAUD ALERT IS STILL THERE. 
Every time I called it was VERY difficult to get the person I spoke to to understand my problem, and the canned response was to send me to their website for help. The first phone call resolved that my address was the problem -- - not the fraud alert -- -- so I submitted a form for that. The second phone call could n't confirm that I had a fraud alert I was told that I had to pay {$10.00} ( which I did ) to get a copy of my report to verify that I did indeed have a fraud alert on my account. The next call directs me again to the Experian website -- - website said " we are unable to find you in the system '' -- - I had to call AGAIN to still not have any resolution. 
Mortgage companies and the credit bureaus are giant jerks who take advantage of good people. So now I am having to pay a higher mortgage interest rate bc I ca n't be on the loan. AND i ca n't get the fraud alert off my account AND NO ONE WILL HELP ME! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I hit a rough spot and became unable to pay for simple things needed for everyday life. I asked for the automatic payments that were set up to be held after the bank tolde chances are they are not licensed to lend in Wyoming. Which after much research they are not licensed. They continually call me from numbers that are n't associated with the company. I am just wanting to pay off the remaining principal in installments. They will not contacte regarding this via email as I requested. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: RE : CFPB # XXXX XXXX stated : " Our records indicate that XXXX XXXX 's 2014 property tax amounts reported to Provident Funding ( XXXX XXXX XXXX client and sub-servicer for XXXX XXXX ) were reported on XXXX/XXXX/2014 as XXXX payments of {$1400.00} due on XXXX/XXXX/14 and XXXX/XXXX/2014. '' I would like Provident Funding to verify or deny that XXXX reported to them on XXXX/XXXX/2014 XXXX payments of {$1400.00} due on XXXX/XXXX/14 and XXXX/XXXX/2014 regarding my property taxes. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX a Macy 's bill had some charges that I did not make. The charges were at a Macy 's in XXXX, TX. I moved from XXXX in XX/XX/XXXX. Secondly, I have severre scolioses and am unable to walk in the large store. I disputed the charges with Macy 's, closed the account. Macy 's would send us papers to fill out but I did not know or have the list of charges to put down since I did not make them. The reason I did not have the original bill was on XXXX XXXX, XXXX I was car jacked and my purse was stolen. I would try to get the list from the Macy 's website but because the account was closed I could not retrieve the list. I asked for receipt signatures from Macy 's and they were never given to me. Macy 's proceeded to put late charge after late charge on the bill. After months of getting no where I paid the bill and they would not take of the late charges off. This has hurt my credit and they did not care who made the charges they wanted the money regardless. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This number keep calling me everyday telling me I owe XXXX money, but double checked with XXXX, I do n't owe them money. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1. Macy 's billing department has been harassing me via phone, mail and collections agency regarding a credit card balance which I PAID IN FULL on XXXX/XXXX/2015 in the amount of {$260.00}. 
2. I had called, emailed, and submitted several customer service emails ONLINE to report a problem with the types of bills they were sending me. 
3. Although I had been paying my bills ONLINE for several years, the online service suddenly became unavailable, preventing me from making payments online. I reported this many times, i.e. customer service, email, yet the problem persisted. 
4. Although I received no acknowledgement of my reports or complaints from Macy 's, I then started receiving PHOTOCOPIES of bills in the U.S. MAIL. 
5. Again, I called numerous times and reported this but the photocopies continued to come in the mail. 
6. During this time, the late charges/fees continued to accrue on my account. 
7. This complaint was made by me IN WRITING to Macy 's with PHOTOCOPIES of the bills I had been receiving. 
7. Finally in XXXX, 2015, I decided that I would pay the entire balance and asked them to credit late charge. 
8. On XXXX XXXX, 2015, I paid the full balance of {$260.00} minus a {$25.00} late fee, at which point, the account was at XXXX ; information that was confirmed on the phone with a customer service representative. 
9. I finally received a response/confirmation letter from Macy 's on XXXX XXXX, 2015 stating that interest charges and late fees would be credited. 
10. The letter was sent from XXXX XXXX, XXXX. XXXX XXXX, XXXX, Ohio XXXX, XXXX. 
11. At that point, I closed my file and considered the problem resolved. 
12. However, several weeks later, I started receiving calls at all times of the day ( usually one in the morning and one or two in the evening ). 
13. Initially, I would take the calls and tried to explain that I had paid my bill in full in the amount of {$260.00}. 
14. However, the calls kept coming, and finally, the account went into Collections. 
15. For the past few months, I have started receiving ORIGINAL bills from Macy 's for late charges/fees that they were STILL charging despite my payment in full on XXXX/XXXX/2015, and their letter dated XXXX XXXX, 2015 confirming that late charges would be credited. 

Company response: Company chooses not to provide a public response
Consumer complaint: I currently have a first and second mtg with Suntrust Mtg co from XXXX Va. 
In XXXX XXXX I applied for a Mtg modification. I requested a mtg modification due to reduction in income from retirement. On XXXX XXXX, XXXX I spoke by phone with the modification debt, XXXX and XXXX, they advised of additional information needed. They were n't really helpfull just reading from a script. Then on XXXX XXXX I received a letter indicating that my application for modification was turndowned. How can one day add info is needed and then it 's turned down. I 've called for the rep assisgned to my application but never able to get thru ( XXXX ) 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX I went to a Bank of America branch in XXXX, Oregon to order new checks from the bank manager XXXX XXXX. On XXXX XXXX I ran out checks and I still did not receive my new checks. I called the customer service to inquire, they said no checks were ordered on XXXX XXXX. I was disappointed and went to ask the manager why he did not order the checks and told him he lied to me. He insisted that he ordered them, we had an argument and suddenly he said " Do you want to hit me? We can settle this outside if you want! '' I was surprised a bank manager would threaten a customer. I ask him to give me the name and tel # of his superior, he angrily tossed a business card of XXXX XXXX, Senior Vice President, Operations Market Manager. I called this person and complained to him what kind of maltreatment I received from XXXX XXXX. He said he would call him and get back to me, he never called me back. I called another operations manager, XXXX XXXX XXXX and also complained to her, she also did not call me back. I believe they are covering up for their fellow co-worker. I have been a Bank of America customer since 1968 and I never experienced such humiliation and verbal abuse from a bank manager. This person definitely needs an anger management counseling. Contact info re : these bank officials : 1. XXXX XXXX, Financial Center XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX ; tel ( XXXX ) XXXX ext XXXX ; fax- ( XXXX ) XXXX ; email : XXXXXXXXXXXX 2. XXXX XXXX, Senior Vice President, Operations Market Manager,XXXX XXXX XXXX, XXXX XXXX , XXXX ; tel ( XXXX ) XXXX ; fax ( XXXX ) XXXX ; Cell ( XXXX ) XXXX : 3. XXXX XXXX XXXX, Senior Vice President, Operations Market Manager, XXXX XXXX XXXX, XXXX XXXX, XXXX ; tel ( XXXX ) XXXX ; email : XXXXXXXXXXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Iam here to complain that i made arrangements with loam company JBS Iam currently 8 days behind and Talk to the office manager XXXX advised i would make payment om wednesday XXXX/XXXX/2016 and they came and repo my car on the XXXX/XXXX/2016 I was 8 days late they lied and took car anyway please can you help XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I made purchases through XXXX promotions, XXXX eighteen-month financing and a twelve-month financing. My payments are timely, never late and always more than the minimum due. XXXX XXXX, XXXX I made an online payment of {$150.00}. I noticed my balance appeared {$800.00}. more than it should be. I then noticed I was charged {$790.00} in interest on the eighteen-month financing promo. I did n't realize the 18-mth promo ended and the deferred interest {$790.00} was applied. I immediately contacted Best Buy to resolve the matter without success. I was told the promo balance of {$650.00} needed to be paid to avoid the interest. I offered to pay an additional {$500.00}. immediately to waive the interest and was told an emphatic " no ''. I made several calls to Best Buy and got different answers but all said " no ''. I also called BBuy Dept. of Citibank and spoke to a woman who said I had 20 days to pay the promo balance which would have been XXXX XXXX, XXXX. A matter of 4 days cost me an additional {$790.00}. I also spoke to another BBuy rep and was told someone would call me back and no one did. As a matter of good faith, I paid an additional {$500.00}. on my account XXXX XXXX, XXXX. That would make a payment of {$650.00} to satisfy the {$650.00} promo balance. I also researched the Credit Card Act 2009 and TILA. Both state the disclosure of the time frame of the promotional period must be clear and conspicuous. Looking at my BBuy statement the things that stand out to me are the bold banners and large print. The disclosure re time frame is in the lower third of the statement in very small print. The time frame notice on the statement does not appear to meet the standard set by the Credit Card Act 2009 or the TILA, i.e. " readily noticeable to the consumer ''. Something as relevant as the disclosure should be prominently displayed with a reasonable font size. Apparently, this has happened to many consumers. I have read multiple posts where consumers have been the victim of this practice for even larger amounts of interest, all without success in having the interest removed. I would have at least expected a friendly compromise and/or some flexibility in the interest charged. It is not like I called months later and it is not like I did not offer to immediately satisfy the {$650.00} promo balance. What is certain is that Citibank Best Buy credit card practices are predatory and in direct violation of the Credit Card Act 2009 and the TILA, Truth In Lending Act. In light of that, I would like the deferred interested waived and removed from my account immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: I settled a deb with XXXX XXXX XXXX XXXX XXXX in XXXX 2014. They reported this to the credit reporting agencies. Both Transunion and XXXX do not have updated information on this debt, which should be noted as " legally paid for less than the full amount, settled '' to be fully FCRA compliant, and this should be dated from the time the debt was settled : XXXX 2014. Instead, this shows 'charged off ' and this is showing up as a charge off on successive months on my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a collection showing up on my credit report that never happened 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I tried to obtain my annual free credit report. I was unable to do so. It looks like my credit has been stolen! 

Company response: Company chooses not to provide a public response
Consumer complaint: Have been trying since XXXX, 2015. To get the collections items removed. 

I have asked Experian to earnestly update and remove the collection items off the credit Report. According to the provisions of the Fair Credit Reporting Act ( XXXX ( a ) { XXXX XXXX ( a ) That these items must be seriously reinvestigated and or deleted from my credit report within 30 days. as the mere reporting of items. Contacted XXXX, With complaints as well. Your records will show that I have contacted your Government Entity to assist. Trying to get my mortgage and appraisal licensing completed. 
Your assistance in this mater will be greatly appreciated. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was working with a mortgage loan officer and he kept promising me the moon and stars only to come back later and tell me that he could n't deliver. He then kept sending me documents with certain amounts that I would be responsible for at closing only to turn around and tell me in an email that I would be expected to bring an extra {$2000.00} to closing and when I sent him a copy of the document that he had me to sign, he acted like he did n't know what it was. Then when I had finally had enough of the back and forth from him and his empty promises, I went to a different lender and because the loan is FHA, they had me to sign a form stating that I wanted them to release the case number to the new lender. That is when he emailed me copies of a float down agreement that I signed, the first XXXX was for USDA signed on XXXX XXXX, 2016 that stated that if did not close a loan with their company that I would be charged a fee of {$970.00}. When I emailed him to inform him that this was n't a XXXX loan and that the document signed was irrelevant, he then sent me a copy of the FHA document that I signed on XXXX XXXX, 2016 which was signed before the XXXX loan that he promised me that he could deliver and said that I would be charged a fee of XXXX if I did n't close that loan with him. That document became voided when he had me sign the document for the XXXX loan, however, according to the terms outlined in the document. This guy has been using hostile tactics and basically holding me and my bank account hostage so that I use his company to close my loan. He has threatened me and told me that he will be forced to take that money from my account when he never even explained what the document I was signing was for. The only reason he had my bank card number in the first place was because I gave authorization for him to charge me for the appraisal and now he is going to use my bank card information from the appraisal to charge me this bogus fee that he is coming up with in the XXXX hour basically. I have since then decided not to continue with any loan and not to even try to buy a home at this time because of all the XXXX frustration involved in this matter with this lender. For me and my family having to pay a nearly {$1000.00} dollar fee is a huge amount of money. Money, that we work hard for each day to be able to provide for ourselves and my fianc 's daughter, as well as our fur babies. That is definitely not something that I just want to hand over to him for services that he has n't even provided to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I inquired about a refinance with Loan Depot, XXXX, CA. XXXX. inquiring about a refinance. however, I really did n't want to pay appraisal fees, or closing costs, so I told them I was n't interested. They ended up sending me about XXXX pages of paperwork, consisting of an Addendum to Loan Application, Loan Estimate, Closing Cost Details, written list of service providers, Borrower 's Certificate and Authorization, an Attorney Preference checklist, Applicant Information stating the Loan Originator and ( me ) as Borrower, my credit information, South Carolina Regulatory Agency Disclosure, Itemization of amount Financed for Truth-In-Lending, Disclosure Notice, and several other documents. This looks to me like a REAL CONTRACT. I live in a townhome that I bought 2 years ago, and my lender was XXXX XXXX, which has switched over to XXXX I NEVER TOLD THE LOAN DEPOT THAT I WANTED A LOAN. I AM COMPLAINING AS I DO N'T OR NEVER DID WANT THIS LOAN, and have no intention of signing any of these documents. How can this company spend all this time and paperwork and postage on an inquiry??? They have wasted their time and now my time. How do people find out about a refinance if they do n't call and inquire. I thought it might save me money as interest rates had dropped, but it does n't so of course, I am not interested. I finally found their phone number, which is XXXX. XXXX XXXX, AKA XXXX XXXX which is the name this loan is under. They also have a loan number which is XXXX, my email is XXXXXXXXXXXX or you can call me at XXXX, as I did not apply for this loan, what is going on? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Formal Complaint and notice of Violation of Credit Card Responsibility and Disclosure Act of XXXX Attn : Office of President U.S. Bank Reference : Account # XXXX Operator : XXXX # XXXX Mr. President, I attempted to call in to your company on XXXX/XXXX/XXXX and make a payment on my account. My account currently shows XXXX separate APR 's and my attempt was to pay off in full the higher interest rate of 23.24 % at the sum of $ XXXX. This would leave the remaining balance of $ XXXX at the lower interest rate of 18.24 %. This would leave me 11 days to pay the " minimum payment due '' before the date of XXXX/XXXX/XXXX. Federal law clearly states the following : Handling of Payments Credit card companies are now required to abide by certain rules regarding how to handle payments made on an account. One of the most important changes is that for customers who have multiple APR 's applying to different types of debt credit card companies must now apply those consumer 's payments to debt in the order of the highest APR first. No longer can companies apply payments to debts with lower APR, while leaving debts with higher APR to accrue interest charges. '' Your operator XXXX # XXXX refused to take my payment and apply it to the higher interest rate today. He was n't refusing to take my payment but did state that he would apply it elsewhere leaving the higher interest rate balance to accrue the higher rate of profit to your company. This is a clear violation of the Credit Card Responsibility and Discloser Act of XXXX and I request your assistance in correcting this complete and total disregard of Federal Law immediately. My goal is to satisfy my debt as soon as possible but when a consumer calls into your company, not only is he met with a total disregard of the law but an obvious attempt to gain the most profit for your company as possible. This is not only illegal but immoral. Furthermore, I request a lower interest rate on the remaining balance as a sign of good faith on your company 's behalf to show that you are trying to at least help your customers who may have experienced a tragedy in their life beyond their control. I do understand that you are in the business to make money and profit to which I have no disagreement. I 'm merely requesting a lower APR on the remaining balance to facilitate a consumer making some progress in paying the debt off faster. This would also show a sign of good faith due to your employee 's total lack of complying with the Federal Law. 

Company response: Company chooses not to provide a public response