AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I attended The XXXX XXXX from XXXX. I was promised enough student loans to complete XXXX and the ability to transfer my credits if necessary. After using approximately {$40000.00} in loansI was informed that my program had been cancelled. Not wanting to enroll in any other programs offered I decided to transfer. To my dismay I discovered that only a few of my credits would transfer and I had to start over again. The federal government has sued XXXX, the parent company for just such fraudulent behavior. XXXX has instructed the school to return XXXX XXXX dollars to it 's students and XXXX has a class action suit in progress. Can you help me recover some of my losses? 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Bank of America has wrongfully, maliciously and fraudulently denied insurance for an auto accident rented under compliant terms as expressed by the bank. The subsequent communication has become more and more anfractuous by the bank as they continue to fabricate lies and misrepresentations about the circumstances and their coverage. They have used this wrongful denial and broken representation to leverage negative credit reports for XXXX people, XXXX of whom were not involved whatsoever in the incident. 

Company response: Company chooses not to provide a public response
Consumer complaint: My father died XX/XX/XXXX. I am his sole heir. He had given a power of attorney to a friend who helped him manage his affairs. XX/XX/XXXX, that friend received a letter from Santander Bank stating that my father 's bank account had been inactive for more than three years and that the bank would have to remit the funds in the account to the Massachusetts Treasurer 's Abandoned Property Department unless the bank was contacted. The friend forwarded the letter to me. I called the bank 's customer service number and was instructed to mail to the bank 's " fulfillment department '' my father 's death certificate and an affidavit stating I was the sole heir. I mailed those items on XX/XX/XXXX and have followed up that mailing with XXXX faxes of the same material. The bank will not acknowledge the correspondence. I have called the bank 's service center each time before sending a fax. The service representatives state that they do not have a phone number for the " Fulfillment Department ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello - I opened an account with US Bank approximately 2 years ago. I was a " secured credit card '' - the terms were that I deposited {$5000.00} into a secured account and was granted a credit card with a limit of {$5000.00} corresponding to my secured account. 

I decided to close this account XX/XX/2015 and had difficulty discovering the process to close the account. Finally I submitted a request in writing to close the account XX/XX/XXXX. I was told my {$5000.00} would be refunded shortly. On XXXX XXXX, 2015 I was told again that my check was being cut and was being mailed that week and I would receive it by XX/XX/XXXX at the latest. It is now XXXX XXXX, 2015 and I have not received the funds I deposited with US Bank. 

I 've had a frustrating time dealing with the customer support as they make it very difficult to get information and have so far given me false information regarding the {$5000.00} that they are withholding from me. They have kept my funds for over 2 months and repeatedly misrepresented the return of those funds. I regard this a fraudulent in that they represent one thing ( that the deposited funds are easily recovered once the account is closed ) and their behavior suggests that they are holding the funds purposely for their own gain ( they are collecting interest on my funds ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an email from lendingtree.com the website offer to put me in touch with lenders and asked a few basic questions ( what loan was for " home improvement '', amount of loan, name, address, dob, phone number and last XXXX of social ) after i hit next I was told they found no qualifying offers. I then get an email from XXXX who said I was denied for credit. Provided my credit score and said I could contact transunion. 

I never stayed to lending tree that I was allowing my credit to be pulled. By not providing my full social I did not even realize thst could be done. If I knew it would be pulled I would have opted out as I am trying to fix my credit. 

Also, how can a company send an email with my personal information? They shared my declination and my score. How did the know who they were dealing with? 

I am now concerned about my credit and my privacy.please advise what I can do. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went through a loan modification with BOA a few years ago ( XX/XX/XXXX ). My payments were made on time yet BOA held one payment and it is indicated on my credit report negatively for 7 years ( until XX/XX/XXXX ) and affects my credit rating. This should be illegal or a notation should be entered into the credit reporting agencies stating that payments were made timely but one was held by the mortgage company and not a late payment by the individual. I do not feel I should be penalized because of BOA and other mortgage company 's procedures. I would like a notation on my credit report that the " missed/late payment '' was due to BOA holding a payment even though the payment was made on time. 

Company response: Company chooses not to provide a public response
Consumer complaint: A breach of a debt collector, for XXXX account, which never existed in the manner presented. It has affected me a great deal, by delaying mortgage loan process closing down on my first home loan on XXXX/XXXX/15. 
I was devastated about the action by the third party I have never heard before. I had not received any statement of collections from them about this debt. 
I had not receive any notice from this third party ( Enhanced Recovery Company ) prior, but they sent the debt to the credit agencies which it apparently stopped the home closing. 
I sent a letter of protest on XXXX/XXXX/15 to ( Enhanced Recovery Company ) the third party agency collecting for XXXX. 
XXXX This Saturday XXXX/XXXX/15 was the first time receiving a letter from ( ERC ) about this account collection via XXXX. I had sent them protest notice on XXXX/XXXX/15, but the debt had already reported to all credit agencies before notifying me. This is against consumer right & protectionI will like to pursue legal action against Enhanced Recovery Company and XXXX. 
Sincerely, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: NE CRDT COL Company violating the law. They never mail me a letter giving me a chance to disputes the claim { XXXX REPORT }. This is a Zombie debt .They did the same thing on my XXXX report, they could n't validated debt. The law is clear they supposed to send me a letter first ( XXXX ) before posting it on my report. CFPB need to stop company illegal debt this illegal debt practicing, They do n't have account number associate with account {$67.00} 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My XXXX XXXX XXXX credit card ending in XXXX has had issues for several months. I have contacted them numerous times and made payments in which they put my incorrect checking account number in XXXX times, and blamed me for the payment not going through. As you will see below, I made numerous contacts and paid of the phone and they have read off the number to me to make sure they finally had it correct and then still failed to correct it in their system. They never once contacted me to let me know there was an issue with the card. I have contacted them over and over, and just recently in XXXX made another payment ( over the phone since my online XXXX section was never fixed like they promised ) and no one even mention to me of the account closing?? I have done everything in my power to make payments on this card and it is not my fault for their employees not being able to do their job correctly. Please see all proof below! 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased XXXX Savings Certificates from XXXX in XXXX of 1992, XXXX each under each of my daughter 's XXXX. Since 1992 Wells Fargo Bank purchased XXXX. I recently found the original certificates and went to Wells Fargo ( XXXX, MN Branch ) to cash them. They did a 10 day search and said they had no record of them and said they probably turned them over after 7 years to the State ofMinnesota Unclaimed Property Division. I called the Unclaimed Property folks, and they have no record of any monies coming from XXXX or Wells Fargo Bank. Wells Fargo Bank said there is nothing we can do. We will not honor the certificates. I asked if the funds could be withdrawn without turning in the original certificates, and they said no! Since I have the original certificates and they have NO record of ever paying out the monies or even sending them to the Unclaimed Property Division of the State of Minnesota, how do I cash in these certificates and receive MY money back plus interest that was listed on the certificates? 

Company response: Company chooses not to provide a public response
Consumer complaint: # 1.FALSE REPORT : untrue and not correct. reported on my credit as open acct XXXX XXXX, XXXXdebt is from medical XX/XX/XXXX for family membercalled from XXXX XX/XX/XXXX @ XXXX, XXXX, and XXXX ... repeat calls.. less then XXXX hrs apart ... Talked to a XXXX Party about Debt : the collector spoke to my Son about the debt.. offered my son a settlement for XXXX my son who is XXXX yrs. old.. at end of convo.. the Collector asked who he was speaking to my son gave him his name ... .. My son asked who he was the collector gave his name XXXX XXXX # 2 Did not disclose communication was attempt to collect a debt ... I called in on XX/XX/XXXX, because I seen on my credit.. Did not disclose communication was attempt to collect a debt at first time I contacted ... # 4 Never received notice of rights to dispute ... have had the same address for 15 years.. and another call this morning XX/XX/XXXX at XXXX.. all calls made to my cell: 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: We refinanced our home in XXXX of 2015. We took the mortgage out and Ditech Financial LLC turned out to be the loan servicing company ( Originally it was Green Tree but they were bought by Ditech XXXX. Our loan paperwork says our mortgage is set up to put taxes into an escrow account and the money is included with our payment each month. On XXXX XXXX, I called ditech regarding my taxes not being paid. The person I spoke with said my account was not set up for tax payments. I told him I have a copy of my mortgage saying I should be. He said he would submit a " Research Request '' and that it would take 14 business days. 
I called back on XXXX XXXX around XXXX and was informed it had not been the full 14 business days and I should call back tomorrow - even though there were only a few short hours until the end of their business days. 

I called back on XXXX XXXX and spoke with XXXX in the tax department. She indicated there was n't anything in the notes regarding the results of the research request. I told her this was unacceptable, as it 's been two full weeks and my taxes are still not paid. I waited on hold for close to an hour, hoping to speak with a supervisor. Apparently there was n't a supervisor available. XXXX said she spoke with someone from Customer Service regarding my account and that they indicated my account was not set up for tax escrow. XXXX told me she would submit an " Escalation Request '' for me but that escalations can take up to 3 business days. She told me a supervisor would be calling me back within the three business days. 
I never received a phone call, so on the fourth business day XXXX XXXX XXXX ) I called back and spoke with XXXX again. After waiting on hold for more than 30 minutes for a supervisor, one could not be found for me to speak to. XXXX then completed a XXXX way conference call between her, XXXX the customer service representative and me. XXXX also confirmed my account is not set up to escrow taxes. XXXX provided me with the following directions : Fax a copy of the pages of my mortgage where it states my taxes should be paid via escrow to both customer service and the tax departmentProvide a cover letter giving my name, account #, Block and lot numbers, an explanation that my taxes are not listed on the escrow line and the request to have my taxes paid. 
I sent the cover letter and requested information to XXXX fax numbers on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. 
XXXX indicated it could take up to 5 business days to correct the issue. I will call back on XXXX XXXX. 
After daily calls to Ditech Financial LLC the issue is still not resolved. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: On XXXX 2015 I received a notice from Experian stating my personal information was stolen while in their possession, they are offering me XXXX for two years to help with this problem, ( but i must be willing to allow them to SHARE my personal information with others for AD purposes to acquire this service ) that 's not acceptable. what can I do to receive the service and not have to give up my personal information out to be stolen from other sites!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've received an unsolicited loan offer with an annual interest rate ranging from 99.75 % to 184.36 % from a company called LoanMe, Inc. based in XXXX, CA. ( License # XXXX ) 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX, XXXX, and XXXX, I disputed an account on my credit report through Experian. On XXXX and XXXX, I submitted escalations to Experian for the same account. Experian has not given any feedback on this account on any of the disputes or escalations. The amount is being reported to Experian from the original creditor and has not sent to a collection agency. The amount has an open account date of XX/XX/XXXX and a total past due of {$2700.00}. This account dispute should have been removed from my credit report in accordance with the Fair Credit Reporting Act. Knowing that there has been no response, the account should be removed from my credit report. The CFPB has my formal permission to access my credit reports for the sake of this account. 

Company response: Company chooses not to provide a public response
Consumer complaint: When I went to purchase a car at a dealership I gave specific instructions I would be financing the vehicle through XXXX XXXX XXXX. Without my permission the dealership shopped the loan at XXXX additional lenders on XXXX XXXX, so a total of XXXX hard inquiries were added to my Transunion Credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Bank of America credit card Account was charged off in XXXX of 2014 after being 60 days late. I recieved a bill from the bank in XX/XX/XXXX stating I was past due but had no warning of the charge off taking place XX/XX/XXXX. My concern is that this charge off took place after only 60 days of delinquency. I attempted to contact Bank. Of America and ask why I was charged off after 2 months and was told. That 's what we do with partially secured accounts. Aside from this charge off status, my payment history and late payments do not match up with XXXX, XXXX, and XXXX. This inaccurate reporting led me to dispute with The XXXX CRAs last XX/XX/XXXX as of XX/XX/XXXX all came back as accurate and verified from Bank of America. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America is changing the account 'type ' that I originally signed up for and the resulting fees are significant. With little notice, BofA is requiring a balance of {$2500.00} for me to maintain my account 'level ' which came with essentially free access to the bank and free checks. Now they intend charge {$25.00} each month for me to maintain that account at BofA. Also, the line of credit linked to my account will assess a fee of {$10.00} per transfer. This was previously free. These new fees are unacceptable and I do not think it is fair or legal for them to force me to downgrade my account and limit my access to the bank and my money. 
By analogy, this is like buying a new car from XXXX with power windows a few years ago and then hearing from them today that they want to remove the power windows 'benefit ' from my car. If not, they will charge me {$10.00} or {$25.00} each time I want to use the power windows unless I buy a new 'plan ' for {$2500.00}. 
By comparison, the other banks ( and credit unions ) I have funds with are not charging fees for this access to my money nor requiring minimum balances or 'direct deposits ' so I question the legality of the new requirements and fee structures. At a minimum it is poor customer relations not good business. 
My attempts to resolve this with BofA have been rather time consuming and somewhat fruitless. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am trying to buy my first home with section XXXX homebuying it has been a long process, I was told that only to banks in the area do this types of loans so I called XXXX after speaking with a mortgage officer at Santander bank and him pulling my credit twice I was told my score was to be at XXXX. I was at XXXX and he was like that 's ok if it 's the same they are willing to do a rapid rescore. After doing everything he ask and dropping all documents off to him he now states he is unable to do my loan that I should find another bank to help me. I have done everything I was ask. He also talked about other loan then emails me to say that they are unable to do those types of loans with section XXXX homebuying. I now have to dents on my score due to his not telling the truth he also did n't state that the bank required a XXXX score in order to be approved. I been turned down by many banks that are not willing to help because I am doing section XXXX homebuying. I have called and called and everyone says no we do n't do those types of loans. I not sure what they mean seeing that it is a subsidy to pay a portion of my mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank Home Mortgage continually calls me, as much as ( 4 ) times per day at my desk at work. They call XXXX, which is my work cell phone. I am delinquent nearly 30 days on my mortgage. I have spoken with a US Bank home Mortgage representative each day since XX/XX/XXXX and run through my financial information and the fact that I have moved to XXXX from XXXX after losing my job in 2008. I have kept up the mortgage payments since I lost my job utilizing my savings and my 401k funds, which are both now exhausted. 

I do have an offer on the home ( finally ) pending. I have asked them to stop calling and to see what happens after the home is sold where upon I can satisfy the mortgage in full. No kidding, their representative XXXX ( ID # XXXX ) told me they will call as much as once an hour until I satisfy the mortgage. This needs to stop. 

Company response: Company chooses not to provide a public response
Consumer complaint: Barclaycard closed my account and took the earned points I had on my account with no explanation as to why. The accumulated points totaled XXXX, with an approximate value of {$15000.00}. I received a letter stating that the account was closed " in accordance with the terms and conditions of the Card Member Agreement. '' The letter never states which term or agreement was violated. I have never been late on my monthly payments or missed any payments. I made several phone calls to discuss this with no success. Each time I was told to mail a letter. Attached is the letter I mailed to XXXX different addresses I was given by Barclaycard Customer Service. 

Company response: Company chooses not to provide a public response
Consumer complaint: Identity stolen a while ago, and police reports were sent to XXXX and collection agency to stop collection on an account that was opened in my identity. 1 year later and they are still putting collections in my credit reports dropping my score even though I have proof I faxed them police reports to stop. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX of 2012 my identification mainly my social security card and Florida ID card was lost or stolen from my handbag and a sequence of accounts were open and checks cashed in my name. As soon as this was realized, I filed a police report ( see attached ). This account is unknown and was not opened by me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a reverse mortgage and am getting threatening letters that I can lose my home because I owe XXXX for property insurance even though I sent proof that my condo XXXX provides it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: For more than six years, XXXX XXXX and its subsidiary, XXXX XXXX XXXX, have tried to wrongfully and unlawfully collect a number of alleged XXXX-party debts from me. 

As a XXXX-party, bulk debt buyer and debt collector, XXXX XXXX and XXXX XXXX XXXX have knowingly and intentionally engaged in business practices that are in violation of state and federal law. 

In every effort to collect an alleged debt from me, XXXX XXXX and XXXX XXXX XXXX have made material misstatements of law and fact. 

XXXX XXXX has worked to collect an alleged Wells Fargo Bank account that continues to ignore the fact that the alleged, XXXX-party debt is barred by the statute of limitations. 

XXXX XXXX wrongful and unlawful statements, practices and acts have caused personal, professional and financial harm to me. 

In 2015, XXXX XXXX continues to ignore the law and settlement agreements. 

Shame on XXXX XXXX, its executive team and its shareholders. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was making a XXXX Airline reservation, when I was offered a credit card that showed the cost of the ticket would be {$100.00} less, if I applied and was accepted. I applied for the card, was accepted and notified that I could use it to make purchases right away. Went back to the reservation web site and indeed the cost of the ticket was {$100.00} less. BUT, timed out during the process. Now I am not able to receive the {$100.00} discount on the ticket. I have been told several different stories regarding this issue. I was told to use the card I will receive the credit. I tried this and card would not work. I was told by Citi that getting timed out happens and the credit card company can work with AA to get it fixed to make purchase. Finally, I was told I can not use the card for 7 days until it is activated and they can not cancel it until it is activated. Bottom line, this was false advertising, the reason for my getting the card I am not able to take advantage of. I have spent many hours over 3 days with no resolution. 

Company response: Company chooses not to provide a public response