AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: 1. On XXXX, I had a XXXX appt which was prepaid. At the end of the appt, I placed an order totaling XXXX with XXXX. 
2. After already running my BOA card XXXX, XXXX with XXXX asked for my card again and I trusted it was for a logical reason. After the XXXX running of my BOA card, XXXX was running her mouth about all this paperwork I needed to sign. The only paper I was given was a receipt and photo pages with small black and white images. The other " legal '' paperwork I was never given a copy of. 
3. After leaving XXXX on XXXX, at home, I checked my BOA account and glamour shots had charged/authorized my acct XXXX. The enclosed paperwork proves this. I consider this a gross misuse of my bank card and immediately called and emailed XXXX that my additional order for XXXX was cancelled. 
4. XXXX told me I could not cancel and they did nothing wrong. XXXX told my Bank of America XXXX authorized my card and that this happens frequently. I have never heard that banks initiate purchases, so that was what I consider a fraudulent platform for XXXX to take. 
5. When the charges cleared, I disputed the XXXX. The additional XXXX did come off my account, but no merchant has a right to authorize and cause funds to be held for additional transactions that were not authorized, even if they come off the acct at a later date. 
6. Bank of America took my dispute of the XXXX over the phone and told me they would let me know if they needed additional info. The BOA electronic claims dept kept telling me that the claim was in research and no additional info was needed. Around XXXX, I received a " resolution letter '' that stated the claim was denied and the temp credit of XXXX was to be deducted from my acct on XXXX. I was not given a fair chance to respond to the merchant's/ merchant bank 's response. I called and told BOA the " resolution was unacceptable, and provided the proof of the XXXX authorization and cancellation of the order. 
7. On or around XXXX, I received another letter that BOA was not able to do anything else on the dispute and that I needed to contact the merchant myself. 
8. FYI, this merchantXXXX, has given me a cease and desist order, and I depend on the bank to defend my right as a consumer to cancel an order, especially within an hour of the purchase, for the valid reason of XXXX misuse of my credit card. 
9. I would like Bank of America to take responsibility for double authorizing my account, and therefore, removing the XXXX charge permanently from my account, or : Bank of America needs to defend their customer against fraudulent practices of over authorization of an approved amount and the right of a consumer to swiftly and promptly cancel an order for logical reasons. 
10. XXXX sent the cancelled order and delivered to my apt office, which I consider free product, since XXXX was told to cancel the order and no payment for the additional order was authorized. 
11. Prompt and permanent removal of the XXXX charge from my acct is required to appropriately resolve this issue. I have attached pertinent documentation. 

XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was ripped of by a shady mechanic and contested the charges under workmanship. Ace rewards reversed the charges at first. They did nothing for over a month even though I called and asked what I need to do. Then a day or so before XXXX they contacted me and said I had to have paperwork from an independent mechanic by the following Monday. Almost impossible to do but I did it. Then they contact me and tell me that I ca n't claim the full {$1200.00} charge that they have a policy that if I do n't somehow reduce my claim to below the original charge, that they will not process it. They strong armed me and reduced it by {$150.00} over my objections. No reason for doing so except it was their policy. Then a few days before XXXX they demanded more paperwork from the third party mechanic and wanted it by the following Monday or they would deny the claim. I paid the mechanic to do a pressure test on the engine for proof that the head gasket job was defective and got them the paperwork they required even on such short notice again. Then they deny the claim because the mechanic had written it on his invoice form and signed it. They said that I had 24 hours to get the mechanic to write it on his letterhead instead. It was impossible to do since the mechanics shop did n't have letterhead only printed invoice and quote stationary. Then after complaining to them, they denied the claim under incorrect billing criteria instead of the workmanship criteria. They pretty much told me to pound sand that there was nothing I could do about it short of find another mechanic shop that had letterhead and start over with them, pay them and get that info to them within XXXX weeks. All the mechanics I contacted did not use letterhead. They also just used invoices and could not provide an estimate and statement within that time frame. 

XXXX XXXX/US Bank did everything they could to prevent me from filing the claim. I do n't even think they submitted it to visa at all. As a result, we have been without the vehicle that does n't even run after repair, for over XXXX months now. Due to the damages that have resulted from the actions of XXXX XXXX/US Bank not processing the claim properly and with no intent to follow their own policies, I will be stopping any further payments on the account until we can go to court and have a judge settle it. I imagine the damages from the negative credit reporting will start accumulating as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took a cash out loan to pay off my Home depot Consumer Credit card & the title company overnighted them a check for {$5600.00} on XXXX, it was received in their office on XXXX & deposited on XXXX. They have yet to post the money to my account. I have called numerous times & been given the run around. I spoke to a manager named XXXX XXXX on XXXX at XXXX and was promised this was resolved. 2 days later my money is still not posted to my account & XXXX XXXX is refusing to return my calls. I faxed their payoff department on XXXX with the cancelled check & letter they asked for. They have had my money since almost 2 weeks & done NOTHING to assist me. 

Company response: Company chooses not to provide a public response
Consumer complaint: The mortgage service provider ( SP Servicing ) has failed to remove private mortgage insurance ( PMI ) from the loan while overcharging on their escrow calculations. Furthermore, the service provide has refused to remove the escrow account. XXXX requests were in accordance with Federal and State of Texas law. The service provide has also paid of home insurance XXXX on separate occasions, and failed to pay on time on another. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have never had an account with the XXXX cable that my debt originated from. They sent my case to Focus RM collections, and I ca n't get a hold of anyone to resolve the issue! I 'm so frustrated and confused. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Today, I applied over the phone for a balance transfer to the Citibank XXXX XXXX. While doing so, a few things happened : 1 ) when asking for my phone number, they asked if I authorized them to contact me via phone in various ways, but never told me that I can op-out of being contacted, which they should tell customers, 2 ) after my application was processed, I told them I wanted the credit report that they pulled sent to me. I was transferred to roughly XXXX departments within the Bank, not XXXX employee knew that the FCRA gives consumers the right to get a copy of their credit report whenever someone pulls it, nor did they have the ability to simply check that I wanted a copy sent to me. I even spoke with a supervisor, who was also not aware of this requirement. Actually none of them even knew of the FCRA. I spoke with Citi customer service, their credit card application department, and the status department, multiple times. The fact that Citibank has no protocols for informing and ensuring that individuals can receive a copy of their credit report after completing an application for a Citi product is, from my understanding, a clear violation of FCRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a complaint on XX/XX/XXXX case number ( XXXX ) in which Banco Popular answered to XXXX CFPB saying that they tried to reach me on several ocasions which is a lie. I called like they instructed me before XX/XX/XXXX in which XXXX XXXX XXXX who is encharge of my loss mitigation process told me to wait for his call that we were going to be signing the documents at the begining of XXXX. Banco Popular has never contacted me. I was contacted by XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX to be exact in concern with the loan modification papers because she is the loan officer from XXXX and havent received the loan modification papers. Now the Court wants to remove me and my family from my house. I want CFPB to not accept any explanation from Banco Popular. Get from Banco Popular The name of the Manger of the bank and tell CFPB a date when I am suppose to be at the Banco Popular. For me to get a contact number in CFPB for that same date for me to call. Banco Popular hasnt allow me to keep on making my monthly payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: This account was paid by the California state Victums fund. I was the victum of XXXX and was told by the doctor they where billing the fund. I have disputed the item and no proof sent to me it is a total scam but his collection agency who muscles XXXX 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Debt was paid through my insurance and the balance with my debit card. The original creditor did not inform me thst i had a balance because i used my insurance for medical visits..so now i have various collections for small amounts..dropping my score tremendously i paid the balance anyway..and assured me that they will not report it to the credit bureau..i was lied to and comoletely mislead..please help!! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have a credit card with Bank of America, which was closed in XXXX/XXXX/08 with settlement. But now it still shows are maximum delinquency of {$1200.00}. Please help to investigate and remove the delinquent amount. 

Company response: Company chooses not to provide a public response
Consumer complaint: My lender is Select Portfolio Servicing. And, not by choice! My loan was sold to them by XXXX XXXX XXXX a year and half ago. Its been XXXX ever since! 
I had XXXX messages from my Relationship Manager so I called back SPS. While I am waiting for a human being to pick up, the recording is giving me the latest update on the status of my account. It starts off with " your forbearance payment of $ XXXX was received on XXXX XXXX, 2015. Your next forbearance payment of $ XXXX is due on XXXX XXXX, 2015 ''. 
I was shocked and horrified! I am NOT in default on my loan payments and yet, according to this account update from SPS, I am! When I do get XXXX ( relationship manager team ) on the line, I ask her about this. Mind you, this conversation is being recorded. I say, good! We will need the proof! XXXX starts off by telling me that I am confused! She says I am paid up ahead and that my next payment is not till XXXX 2015 ; further that since I paid extra, the XXXX amount is that much less. 
So, I ask her what happened to my XXXX payment that I made -- -on time, mind you. I get silence! Then XXXX insists that I am paid up ahead and that my payment was applied to XXXX 2015. Again, I question this statement and action on the part of SPS because I paid for XXXX 2015, on time. Finally, XXXX says that my XXXX payment triggered the Trial Loan Modification that I was approved for. 
Yet again, I am shocked and not a little terrified! Because, from what XXXX of SPS is telling me is that SPS took my XX/XX/XXXX-on-time payment, applied it to XXXX thereby forcing me to be in default!!!!!! Further XXXX is telling me that the Trial Loan Mod that should not have been triggered except by MY payment of their required amount by XXXX XXXX, 2015 was triggered by my XXXX payment! Even though the correspondence from SPS clearly indicates that the trial loan mod would only be triggered by my payment of $ XXXX by XXXX XXXX, 2015! 
So, I want CFPB 's help with this problem with SPS. SPS is operating outside the law and has committed FRAUD. What they did by forcing me to be in default when I am not is ILLEGAL!!!!! 
I would appreciate guidance as to what my options are in this case where my lender is corrupt and committing illegal acts as well as fraud with the mortgage loans that they service. 
Thank you in advance for your help! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was robbed at gunpoint while at college in an apartment that I was placed in with other occupants based on profiles we each filled out. The apartment employee, XXXX, placed me with XXXX people he had wrestled with in a room that was down the hall from my friends. We each had our own bedroom/bathroom that locked in each apartment. The kitche/familyroom & washer/dryer were common areas that were shared by all. The XXXX gunmen that entered the apartment were looking there for another tenant that XXXX wrestled with and knew. This roommate had been in drug treatment facility and was a known drug dealer. I had just meet these people & had only known them for 3 weeks. My wallet was taken, my laptop, my new iphone 5 & games from my room. They locked us in a bathroom and left. We waited and then all went to other friends apartments and called police. Nothing was recovered, the police investigator said the XXXX gunmen were XXXX and they would not prosecute because they would just get out. We had pictures of them from cameras outside our entry door. The apartments kicked the XXXX guy out because it was his fault. They offered to move me and the other roommate to another apartment if I wanted to. I was scared and said I would rather go home. I arranged through the Dean at school to finish my classes at home. The apartments fired the lady over operations at the facility and a few other people because of all the problems with issues on property. The gate was never closed, doors left open & not secured, fights, etc. Police were on property XXXX times the XXXX weekend I was there. XXXX XXXX from the apartments corporate office in Indiana said that was okay and I left by XXXX XXXX, 2014. No one ever sent me anything, nor did they tell me I would owe anything. I did not receive anything until the end of XXXX 2014. My attorney sent them a letter and they said they would take care of it. Now, I start getting calls from a collection agency??? I have ask them to contact my attorney and given them his information several times. They continue to call. They have been very rude to my mother and even cussed on the phone, which we have recorded on our answering machine that was recording the conversation. The males who have called were nice, took the information but then we were disconnected. The females ( all but XXXX & there have been several ) are extremely rude, have cursed & are not professional at all. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a prepaid XXXX card issued to me as incentive from XXXX to purchase their services. I the card was issued by Citi. I never used the card and infact lost it but I recently found a document with the account number and credit amount. 

I contacted the issuer Citi and spoke to several individuals who reported that the card had expired as of XXXX and the unused balance was surrendered as fees ( {$180.00} ). 

They would not re-issue a card. The last individual I spoke with told me that the card was issued in Pennsylvania so for some reason the Credit Card Accountability Responsibility and Disclosure Act did not apply to them. I 'm told that it is clearly in the terms and conditions for the use of the card. 

This seems entirely unreasonable and if it is n't illegal, as far as I 'm concerned it should be. 

I am interested in learning more about this law and filing a complaint. 

Company response: Company chooses not to provide a public response
Consumer complaint: My 20 year credit history is great according to XXXX and XXXX, however Experian has no record of my existence. This is posing a problem because I 'm trying to secure a mortgage for a home for which the seller has accepted my offer. Nothing at all came back from Experian when my broker ran my credit report. I tried to receive my credit report from Experian 's website and phone services, but they say " We 're sorry, we could not fulfill your request at this time '', but gave a phone number and email to contact. 
I sent an email, several days ago and have heard nothing back except for an automatic confirmation that they received it. I also tried the phone number but I am not able to speak to a person without a credit report number. I was able to finally get ahold of a real person after calling their business customer service line ( getting yelled at for doing so ) and getting transferred several times. The customer service representative I finally got on the line was not able to access my account, and " escalated '' the issue to a group that " handles these issues '' through an email that only Experian employees have access to ( there is no way to call this group either ). He could n't give me an estimate of how long it would take, but said they would call me back soon. Based on my previous experience with Experian and email, I have no guarantee that I will ever hear back, and I do n't know what is considered a reasonable amount of time to wait for them to respond. 

So, I 'm getting a bit antsy as this is the last step to getting my dream home, the clock is ticking, and it seems I may not be able to secure a loan without resolving this glitch. I figured that filing a complaint here was a good step to take. 

I should note that my identity was stolen in XX/XX/XXXX and my social security number was used to purchase multiple vehicles. I reported it as soon as I found out, filed a police report, and thought I did a pretty good job clearing my name, although this was before the Fair Credit Reporting Act was passed and there were not the legal options for me to pursue ( I did consult a lawyer at that time ). I did not have a problem securing a mortgage in XX/XX/XXXX, refinancing several years later, or obtaining a credit card since then. So I 'm not sure the identity theft incident is related, but thought I should mention it. 

I can submit any supporting documents you need to help me resolve this. Thank you! 

Company response: Company chooses not to provide a public response
Consumer complaint: PayPal reported lack of payment to credit collection company XXXX XXXX XXXX. I did not open this account, and even the email used to open should raise suspicion. When I researched online, it appears this regularly happens with PayPal and XXXX. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Now married to my husband, I have XXXX now attempted to simply get added to our joint account so I may be issued a debit card and purchase groceries, etc. My records indicate, as ChexSystems just sent me my requested copy dtd XX/XX/XXXX that queries were made on XX/XX/XXXX and 5XX/XX/XXXX by XXXX XXXX XXXX XXXX. The bank indicated XXXX times that a code was returned that they can not override indicating I do not qualify to do business with their bank. The reason provided : the code received back from ChexSystems. 
I then requested the report ChexSystems sent XX/XX/XXXX and it shows the XXXX queries but no other information at all regarding the reason for the code or any cause for me to be denied anything via ChexSystems query. My report shows " no information found '' under the check ordered and reported information sections. If this is indeed the case, reporting to the bank a code that denies me membership is a misreporting of my status and should be corrected as soon as possible. If the report I requested is missing information, then this report should be corrected so I can then find the source of negative reporting and get the situation corrected or disputed properly. 
I therefore request either a corrected report or a correction to the code returned when a bank requests information regarding me using my social security number or name. If possible, I further request an explanation why for the past year I 've been unable to be added to a joint bank account with my husband, yet the report I requested contains no negative reporting associated with my social security number. 
I believe I have a copy of the bank 's " bad code '' report, but I definitely have a copy of my ChexSystems report if needed. 

XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX. It has been more than a month since I talked to XXXX XXXX in a recorded line to process a loan modification.with Wells Fargo Bank. The last XXXX pieces of documents needed were a letter of employment in Georgia and a statement describing the status of the house in XX/XX/XXXX. Last week, I have submitted all the requested documents for the modification. On XXXX XXXX, I received a phone call from Wells Fargo Home Preservation Team requesting a new set of documents because XXXX XXXX, my contact person had moved to another department. XXXX XXXX, the person who initiated the call told me that I needed to send new documents to XXXX XXXX, my new contact person. The previous documents are no longer available. I could nod believe it. This is not the first time that I have submitted documents after documents with no modification. I was told that my house is not on sale, but XXXX confirmed that the house will be sold on XX/XX/XXXX. The fact that the documents are in the process, and there should not be a sale. My frustration with everything is there is nobody in charge. .I have been trying for so long to work with this bank with no result. This is a policy that big banks, like Wells Fargo have been implemented to deprive minorities of home ownership. They have succeeded because there is no oversight or check and balance.. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a collection on my credit report for over XXXX and at that time I had insurance and was covered 100 %. This collection is a mistake and I have tried to resolve this matter with the credit bureaus as well as with the company which has yielded no results. 

Company response: Company believes it acted appropriately as authorized by contract or law