AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This complaint goes back to the beginning of a loan modification with Bank Of America starting XX/XX/XXXX. The BOA rep ( XXXX ) that was handling the account continuously requesting the same paperwork over and over again, even though it was faxed many times, and I know they had it because I had done all the paperwork myself. The rep ( XXXX ) also lied more than XXXX to me during this procedure. The rep dragged this modification out until XX/XX/XXXX in order to take almost every penny of equity out of the house when she knew that she was going to deny the modification because it was not the mortgage holder 's primary residence. Well according to research I have done " The Obama Plan '' states the loan can be modified if it is a XXXX residence, and can be occupied by a family member ( I am daughter ) that does n't pay rent. So this rep was blatantly denying this loan in order to steal the equity out of the house, and now they are trying to take the house also. BOA has sent many Fed Ex envelopes with contacts of about XXXX different people ( which there should only be XXXX ), which I have never spoken to any of them except the latest person ( XXXX ). I have left voice mail messages with many of the people on the letters with no response from them. I believe this is BOA 's scam and they think that people are just going to give up and let them take the house and the equity. Well that is not my case. I will not give up until I get all the fees, interest, and lawyers fees back from them. This has been my home for 20 years and I will not give it up without a very good fight. I am currently working on a loan modification with another rep right now and think it will be successful. There are many loan modification options for a borrower whether it is their primary or XXXX residence. This is criminal on behalf of BOA and something needs to be done about their procedures ( if they actually have any ). Per a report on the internet each loan modification rep has over XXXX applications and get a {$500.00} bonus for every XXXX loan modifications they deny a month. Employees are the ones that reported this. Please help, thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt is for an emergency room visit for an infant that I was babysitting at the time he became ill. He is not my child, I have never had custody or guardianship over this child and this company continue to try and collect this debt from me. This account is impacting my credit score and my ability to obtain a mortgage loan and it is not mine. I have provided this company with the names of the child 's parents and they still associate me with this debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: could n't pay its charged off 

Company response: Company chooses not to provide a public response
Consumer complaint: Just found out that I 've been paying for years through my Bank of America account for something called XXXX. Called BOA and they say it 's a XXXX party charge. They transferred me and XXXX says my husband signed up for this and they wo n't cancel it. Called BOA back and told them I wanted them to stop the charge from going through anymore and they refused. I apparently have been paying for something that I was unaware of. My money goes into this account, my name is on the account and I ca n't stop them from taking my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: I went to see a teller about a check deposit, and Bank of America banker applied for credit card without my consent or knowledge. She offered me a cc offer, but I said no thanks several times, to which she lied, saying that it 's already in the mail. Boa regularly mails out credit cards to our best customers. To which I said. That 's illegal. Bank is breaking law if you send me a cc without my request. She said BOA does this all the time, said if I did n't want it, I should just not activate it. I complained to her that 's not how it works. But we ended our conversation there. To my horror and surprise I received a boa credit card in the mail with a letter dated for that very day I was in the branch regarding my check matter. Bank employee proceeded to lie to me over and over. She did not have my consent. Verbal or written. She just lied to apply for this without my knowledge. I do Not want a BOa credit card. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, 2015, while making reservations for my husband and I to travel to XXXX XXXX and XXXX online, I made a reservation for a flight between XXXX and XXXX. The flight reservations were made using using the XXXX search engine which transferred me to XXXX, who made the reservations on XXXX Airlines. After making of the reservation using my XXXX Airlines Bank of America card, I received an alert in my email from Bank of America. I phoned Bank of America and was informed that they had declined the purchase because it looked suspicious. I advised to make the reservation again. I tried to make the reservation again, assuming that the XXXX was cancelled due to being declined. The XXXX site would not process my request because of the earlier reservation. So I used XXXX to book a XXXX XXXX flight from XXXX to XXXX. When the flight had been confirmed I made a reservation for a hotel room in XXXX using the XXXX site. It was confirmed. I phoned Bank of America and was assured the purchases would go through. 

Yesterday I went on my online account with Bank of America. The account showed that the charges for the flight and hotel were pending. I phoned Bank of America and was assured the XXXX XXXX purchases would go through, and that I could use my existing card for 30 days. I also called XXXX and was told our hotel reservation was still confirmed. 

This morning I checked my online account with Bank of America. The pending charges were no longer there - they had been declined AGAIN!!! The woman I spoke with, whose name was XXXX was extremely rude. 
I called a XXXX XXXX XXXX XXXX for help and was told that the flights were still confirmed. This means we are responsible for payment of confirmed but declined reservations which are non-refundable. Every time I try to make another flight reservation the cost increases. I am sure the same with the hotel. AND I am not certain if future purchases will be declined again. I do not know what to do. Any help will be greatly appreciated. 
Sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America is charging intrest and late fees before the 30 days time has elapsed. They repeatedly charge interest and late fees on the recent purchases even though I pay the total amount due every month. I have contacted them and they have reversed these charges each time as they agree that the intrest and late fees were applied to my account on amounts that I had not even seen a statement for yet. However, on the next billing cycle they do it again. I believe they are trying to essentially steal money from people that are not paying as close attention to their account as I am. 

Company response: Company chooses not to provide a public response
Consumer complaint: I opened a checking account with Bank of america ( BofA ) on XXXX/XXXX/2015. I did it because Bofa offers the possibility of no international fees when a client uses affilliatted banks out of the XXXX. I specifically asked the costumer service Rep ( XXXX XXXX XXXX ) who took my information to check this for me. He confirmed that in XXXX as well as in XXXX I could use ATM without penalty if they were from The XXXX Bank. Prior to my departure I again called to reconfirm the affilliatted banks in XXXX and XXXX. I spoke to XXXX - Costumer service- on XXXX XXXX 2015, and again I was told that I could use XXXX bank to make withdrawals without being assessed a fee. I travel to XXXX between XXXX XXXX to XXXX XXXX. 
To my surprise when I received the checking acct. statement for the balance beginning XXXX XXXX to XXXX XXXX I noticed that I had service fees for withdrawals made at XXXX Bank in XXXX and in XXXX. Immediately I contacted Bank of America to dispute those charges and Spoke both to XXXX as well as XXXX on XXXX XXXX, 2015. XXXX mentioned that Bank of america used to have that bank as affiliated in XXXX and XXXX but that it had changed and that XXXX Bank was no more affiliated with the. She told me that as a courtesy they will remove XXXX of the service fees assessed but the others will remain. She told me that was all she could do and that I should do whatever I need to do. 
My complaint is that I should not be assessed any service fees for this withdrawals since I was very clear in asking XXXX different people from BofA about giving me the information about overseas fees and both mentioned XXXX Bank as affiliated in those countries. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a Bank of America Master Card for many years. The payment hasbeen set up on Auto Pay from my XXXX XXXX checking account since thebeginning and there has never been a problem making the payment. 
I noticed this month while going thru lots of mail that the account was past due. 
I contacted B of A on XXXX XXXX, at approx. XXXX ; XXXX XXXX to inquire why it was delinquentwhen I was set up on auto pay? I did make the entire payment in full. Therepresentative could n't explain why the auto pay was discontinued, but offered towaive the late fee. I asked for a letter to explain the account was current. 
She then forwarded me to someone to discuss why the auto pay was disconnected. 
XXXX transfers and an hour and XXXX later, someone named XXXX in the auto payIT area told me that several customers were affected because of a software updateglitch that turned off the auto pays. Not only did B of A know this back in XXXX. 
XX/XX/2015 and reversed the late fees automatically, they never contacted the consumersNow I believe I will have XXXX late payments on the perfect credit report. Icontinually asked for a department that could erase the late pays and was transfer-red over and over to card services to re-explain the situation. I was eventually sentto an automated credit services area, not a real person and no one to address myconcerns. 
I am in the process of buying a home and fear this will damage my credit and ability toto qualify. 
I am also very concerned about all the others who were affected and not notified. 
I have been treated very badly by B of A. Any by the way, they cancelled anotheraccount that had no activity, but blamed it on late payments to my credit report. 
Any assistance that can be provided would be very much appreciated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a gift card last year that has an expiration date of XX/XX/2015. My understand of federal law is that it can not expire for at least 5 years. The issuing bank is refusing to re-issue me a non-expired card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have made several attempts to resolve my debt with US Bank without success. The phone number that is listed XXXX is not is service and I can not get a good contact # to discuss my charged off account. I would like to discuss settling the debt and would like to have someone from US Bank contact me. 
My social is XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My lender has made it so difficult to access the payment system that this is an active attempt to prevent people from paying their mortgage. They use a CAPTCHA system that frequently cuts off the verification string so it can not be entered correctly. On top of that, they permanently lock your account after XXXX failed attempts, forcing you to call customer service and hold for lengthy amounts of time for a representative to unlock it. They do not allow you to verify before they rush you off the call and, on more than XXXX occasion, they did not actually unlock my account, forcing me to repeat the process. I 've complained to the company and they simply do not care. This is a punitive system to force people into paying late fees or even default. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I 'm being given the run around for over a week. 
Over a week and still can not access my mortgage account online. 
Pennymac usa is making no effort to reset my account so that I can access my account online to pay my bill and be aware of account issues. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I called Gatestone Collection agency on XXXX/XXXX/2015 at XXXX. This debt from XXXX is not my Debit. I have spoken with XXXX and they have no knowledge of this account. The person on the phone was not helpful at all. I have spoken to Catestone XXXX times in regards to this account. Her response today was it is not XXXX but digital life which I am not even sure what that is. I had told them the other day to stop calling me I know nothing about this account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Closed a Bank of America credit card on XXXX/XXXX/15. Bank allowed a charge to be placed on a closed credit card on XXXX/XXXX/15. I can not believe that this is legal or allowed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received an automated call that was a looped recording from a blocked number. It did not identify the company calling, the reason for the call, or have any way to speak to a human being. It kept insisting the matter was important and that I call another number ( XXXX ). I tried the number several times before finally getting a human being, who still did not identify the company or the reason for the call. After attempts by this person to get personal information that I refused and back and forth arguments they finally identified themselves as C.S.C. ( Collection Service Center ) and that they were collecting a debt. They refused to inform me of the original creditor or the nature of the debt unless I provided personal information ( which I refused ). As I have no legitimate, outstanding debts at this time that are allowed to be collected upon this call strikes me as a phishing scam. Several aspects of this exchange are in violation of numerous sections of the Fair Debt Collection Act as well as the Telecommunications Consumer Protection Act. The only outstanding, unpaid debt I should still have has been disputed for more than 15 years now. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: This is the XXXX time I have written you about CitiGroup. I have a Best buy Card that I have closed. When I closed the account, they charged me for all of the interest that was went with the promotions on the items I bought. A few months ago, I wrote you to tell you that they had been charging me for a program I had never signed up for that was to protect me if I ever lost my job. Well, after they got your letter ( and after I informed them that I had lost my job ), they refunded me {$200.00} for the program that I had never signed up for. I paid a lot more than that for the program. But as soon as they found out I lost my job, then they were willing to back out. What a rip off. So now, I checked my card activity and they have charged me {$200.00} in XXXX for interest they say was from a promotion. I already paid that when I closed the card. I think I need a lawyer. I need help. I ca n't pay this off if they keep messing with me. Please, Please help me with this problem. If you ca n't do anything, then please refer me to a lawyer that will. 
Thank you. 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX I received a Short Year Escrow Account Disclosure statement from XXXX because the servicing of my account was being transferred to SunTrust mortgage ( I had an escrow balance of XXXX ). SunTrust ( ST ) sent my first invoice on XX/XX/XXXX. I will note that my mortgage with green tree was $ XXXX, once moved over XXXX XXXX that amount was reduced to {$1300.00}, and according to ST my escrow balance was {$2300.00} - I paid the XXXX on XXXX. Then on XXXX/XXXX/14 I received another invoice from ST in the amount of {$1600.00} - I paid that in XXXX installments of {$830.00} on XXXX and XXXX. Then on XXXX I received another letter XXXX XXXX indicating that they have reviewed my escrow acct and determined that I was owed {$660.00}. I XXXX XXXX to dispute this because my account was with them for only 1 month and did not understand how they could have already assessed my account to determine an overage. I called on the date of receipt XX/XX/XXXX and spoke to a cust. svc person. She told me there was nothing to be done, that I must deposit the check. I told her that my property taxes have increased and offered to fax a copy of which I did. No response from ST. I then continue to pay XXXXXXXXXXXX ( XXXX installments of {$840.00} XX/XX/XXXX & XX/XX/XXXX ), and then was billed for {$1400.00} of which I paid XXXX installments of {$840.00} on XX/XX/XXXX & XX/XX/XXXX. I then got a letter from ST indicating that I was in arrears and owed. I was told that they do not take biweekly payments, but then was offered a biweekly payment setup. I signed up that on XX/XX/XXXX and was sent a letter indicating that the deduction would take place on XX/XX/XXXX. The following month I was sent another letter indicating that I was in arrears, and was then informed that I needed to pay 1 month ahead. Their documentation states that the customer will pay a 13 month payment in the bi weekly program. It seemed reasonable because instead of XXXX payments of {$720.00} it would be XXXX. Based upon my calculations I will have paid 15 months from time I was acquired XX/XX/XXXX to XX/XX/XXXX. will be XXXX Then I received an email from ST on XX/XX/XXXX indicating that my escrow was short {$260.00}. then I contacted ST on XX/XX/XXXX. received another letter from ST on XX/XX/XXXX indicating that escrow was short {$620.00}. I paid it and received an email on XX/XX/XXXX indicating that amount was received. Today I receive my mortgage statement from ST and they indicate that I owe {$3000.00}. I have been paying SunTrust all along, and on time. I do n't know what to do and have not had success when taking with their customer service reps. 
It is imperative that I have someone from the CFPB address SunTrust on my behalf, I feel that they are trying to force me into an unnecessary foreclosure or are trying to bully me in to paying additional funds unnecessarily. Please help and stop the unnecessary harassment. 

Company response: Company chooses not to provide a public response
Consumer complaint: FMS INC placed an account on my credit report that does not belong to me and is damaging my credit. I have attempted contacting FMS INC to provide proof that this account belongs to me or otherwise remove it and they have not responded to me or removed it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My friend XXXX XXXX XXXX has been receiving repeated calls from continental financial they called him this morning at XXXX not saying nothing and breathing in the phone 

Company response: Company chooses not to provide a public response
Consumer complaint: a company made a hard inquiry on credit report on XX/XX/2014 i never gave the company permission or had any dealings with them for employment or financial i contacted experian who said it was valid inquiry and provided with the company 's phone, i attempted to contact them and the number is not in service the address provided as well is also incorrect the post office returned mail addressed to them. i now feel the company does not exist and this could some of fraud or identify theft on the company that pulled my credit report without permission 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied and was accepted for a US Bank XXXX XXXX Visa signature, which advertised a XXXX award night free on all stays booked with points while holding the card, along with other benefits, for paying the annual fee. I received notice a few weeks ago that the benefit was ending as of XXXX XXXX, about 6 months of the way through my XXXX year of having the card. I applied for the card, and suffered a hit to my credit score, primarily because of this benefit, and having it removed is a big blow to its value. I called the bank and asked for some form of compensation, and they were only willing to give XXXX points, which is worth about {$15.00} maximum, nowhere near the lost value of the benefit being removed. I feel like this was a bait and switch on the part of US Bank, as I applied for this specifically for a benefit that was promised, only to have it removed shortly thereafter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have authorization to represent XXXX XXXX XXXX and XXXX XXXX XXXX XXXX concerning their mortgage with Nationstar Mortgage. This authorization is notorized and I can provide a copy. The Nationstar Mortgage company is trying to get XXXX 's to sign documentation without any explaination to what or why they need the documents signed. The email I have acknowledging my authorization is from XXXX XXXX, Government XXXX XXXX, phone XXXX. But I can get no answers for my client and the contact phone number only offers me a XXXX XXXX card if I qualify. 
You may contact me for the proof of documentation. XXXX XXXX, XXXX, XXXXXXXXXXXX, phone XXXX. I am trying to serve a client who needs help. 
Thank you. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Hello my name is XXXX XXXX and I was illegally/over charred in price and intrest rate for a XX/XX/XXXX XXXX XXXX from XXXX in which Credit Acceptance Corrporation assist. I was manipulated into putting the car into my name because the original purchaser was denied by the bank and my name was n't. The car went into deep I status and was reported stolen XX/XX/XXXX which was never recovered or sault after in which I told them I wanted them to find the car and remove me from the loan due to non payment and my credit score declining XXXX points. I really think I was discriminated against because of me being a woman with little knowledge of the loan processing. Please help me!! 
XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently received a copy of my credit report. The credit report showed a credit inquiry by Best Buy that they do not recall authorizing. I understand that Best Buy should n't be allowed to put an inquiry on my file unless I have authorized it. when I called credit Bureaus companies ( XXXX, XXXX & XXXX ), they refused to dispute this inquiry and they said to me to call Best Buy to remove it. when Best Buy called, they refused to remove and they asked me to call credit Bureaus companies and dispute it. I asked Best Buy what reason that Best Buy wanted to my credit file. They replied that we do n't have any information or record why we wanted to your credit file. 

Company response: Company chooses not to provide a public response