AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: They know i am not working at the moment so i asked for a diferment they sent it i filled it out and sent it back to them in 72 hours that was in XXXX 2015 they said it will take 20-30 business days and i can go ahead and apply back to school beginning of XXXX 2015 they said they received it i tried to apply to go back to school the middle of XXXX 2015 the school stated i cant move forward since the people i am doing my differment through is not processing my request and the calling begins like they never got my letter they are saying they dont do those and all schools are suppose to tgey even promise that in your student loan package when you first apply they call every other day about XXXX times a day with different excuses of why i must pay or this will stay on my credit i have a family i have to take care of and this is not ok and i will sue if this does not continue to dtoo 

Company response: Company chooses not to provide a public response
Consumer complaint: I was referred to your office by XXXX at Office of Controller of Currency. I have a Certificate of Deposit, issued by XXXX Bank ( now Bank of America ) of XXXX XXXX FL on XX/XX/XXXX. This was sent to me by FL Dept. Financial Svs, Bureau of Unclaimed Property, a content of my deceased father 's safe deposit box. The CD number is XXXX customer name XXXX XXXX XXXX or XXXX XXXX XXXX, both deceased. Bank of America said they would have sent the funds to the State. The State of Florida denies this. I have much correspondence if you want copies since I have been requesting this information from the State of Florida, Office of XXXX XXXX, XXXX, since XX/XX/XXXX. I want to know where the money paid for this CD is as it now belongs to me. I will appreciate your help. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted this attorney over a year ago when I saw a collection on my credit report and made a good faith payment of {$25.00} and asked them to send me the information regarding the debt. They never sent me any documents. Months passed and still nothing. I again called and made another good faith payment of {$50.00}. on their website and requested the documents pertaining to this debt. I received nothing again. I contacted them and they said that the payment I made the XXXX time was for a different charge. I told them I have no idea what theyre talking about and I never received any documentation. I asked them again to send me the charges pertaining to these debts. I received nothing. A few weeks ago, I received a letter from the court stating that they were levying my account for a debt. I was never given any proper notice. I contacted them about this debt for what I found out was for XXXX XXXX and told them that this should have been paid by my insurance company but I will make monthly payments of {$50.00} a month. The gentleman on the phone mocked me and called my names. He kept talking over me and I could n't communicate anything. I felt diminished and he kept on with interrupting me and then saying he was finished talking to me then hung up. I am horrified at the harrasment I received today XXXX/XXXX/15 on the phone by this gentleman who will not let me make payment arrangements again without hanging up on me. Please help me as I can not communicate with this collection agency without being verbally abused. 
Sincerely, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian failed to remove the Hard Inquire obtained by XXXX on XXXX/XXXX/15 and XXXX/XXXX/15 by letter submitted by XXXX XXXX XXXX XXXX on XXXX/XXXX/15 ( XXXX, XXXXXXXXXXXX in which clearly explained XXXX decision to remove XXXX hard inquires obtained from my personal financial records kept by Experian. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is an FHA mortgage which BOA has violated the HUD regulations regarding counseling ( 24 CFR 203.500, and 203.604 ) prior to initiating foreclosure AND while BOA was in receipt of a complete package did not attempt to cancel a trial and obtained a final judgment and sale date against the property in violation of 12 CFR 1024.41. In addition, after successfully obtaining a final judgment, in violation of 1024.41, BOA did not provide an opportunity to have an extended sale date to allow the borrower to have more time to be properly reviewed for a modification. 
Attached is confirmation of the documents sent to the lender. All documents the lender requested were submitted and complete. On XX/XX/XXXX, the bank requested : Our client has advised that the review can not be completed until the following is submitted:1. Both Non borrowers to provide signed and dated XX/XX/XXXX tax return2. Bank statement shows XXXX XXXX XXXX XXXX XXXX XXXX as mailing address. Borrower to provide signed letter regarding address discrepancy. 
3. Borrower to provide additional bank statements for acct ending in XXXX that is consecutive to XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX 
After submitting all the requested documents on XX/XX/XXXX, we assumed the file would be reviewed, but on XX/XX/XXXX, we were informed an additional, not-previously-requested bank statement was now needed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have previously disputed Bankruptcy and XXXX other judgement on credit report and it has always come back frivolous I am now filing an official complaint through FCRA act XXXX to have them permanently deleted! 

Company response: Company chooses not to provide a public response
Consumer complaint: My account was closed at MY request. This should not be on my credit reports. I want them removed from ALL three credit bureaus ASAP. 

Company response: Company chooses not to provide a public response
Consumer complaint: Kohn Law Firm, S.C. ( XXXX XXXX XXXX ) called my place of work asking to speak with me or my wife. When I spoke with them on the phone, they insisted that they needed my social security number and birth date before they could tell me anything. That sounded like a scam so I did n't provide the information. Now they have sent at least XXXX letters to my place of work trying to garnish my wages. The letters make clear that I am not even the person they are looking for ( different middle name and different social security number ). So they are trying to collect a debt I do n't owe, have improperly contacted a third party ( my employer and me in regard to the person whose debt it actually is ), improperly sharing the social security number. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My problem is that credit reporting is used by companies to gouge consumers when they first request a service. In my case a service provider that has a monopoly in my city. I have been do business with this company for over ten years when I first went through them I had a co-signer so this was not an issue. But even though I have been a loyal customer with an account in the black through this entire period. A representative of this company called me and informed that because I have no credit history as reported by one of these credit checking services ; meaning I have never taken out a line of credit nor do I have a mortgage type payment exc .... I also do n't have bad credit meaning I have never filed for bankruptcy or let any of those credit lines I never had go in to the red to many times. This representative used the words " we do n't count the history you have had with our business, because we use credit checks ''. So you see my issue is not how the report was used, even though I feel that only industries that report on your credit history should be able to utilize it. My issue is that by this process being a thing it is destroying the customer to service provider relationship. How am I supposed to build loyalty with the companies I do business with if they want to charge me XXXX % of my monthly income just because I do n't have a credit card? 
Disregard any bubbles that I selected in the first portion. you do n't get to choose what issues people have with the service you provide. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied and received a modification with Greentree with an interest rate of 2 %. My loan was sold (? ) to Diitech who is NOT honoring Greentree 's modification, and has offered a modification with 5.75 % rate. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have XXXX of Bank of America Credit cards, XXXX is power rewardssignature visa, XXXX is cash rewards signature visa. Bank of Americacredit department closed my both account without any notice, and all of mycash or power points rewards are forfeited. I do not violate any T & Cs of credit card agreement or rewards program rule, and both of my credit card account remains in good standing, I want bank of america refund all cash or power rewards to me 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I requested that TransUnion investigate XXXX XXXX XXXX XXXX tradelines listed on my credit report, numbered XXXX ; the same tradelines I successfully had removed from my XXXX credit report. In the complaint I requested that they provide me with documentation of their verification process to ensure that they performed their due diligence. On XXXX XXXX, 2015 I received my dispute results ; XXXX of the tradelines were removed, however the other XXXX remained. To date I have not received any documentation surrounding their verification of the remaining XXXX trade lines. 

Prior to filing this complaint I called TransUnion and spoke to a representative ( XXXX/XXXX/2015 @ XXXX ). I spoke with an extremely arrogant representative who dismissed my complaint as being inconsequential to the validity of their report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an auto loan with XXXX that has been paid in full per a letter I received from them ( the car was traded in ) however they are reporting my account as delinquent to the credit bureaus with a balance of {$0.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: I was coerced into buying a XXXX vacuum by the owner of the XXXX WI company XXXX XXXX, the salesman ( my boyfriend ) and his manager on XXXX/XXXX/15. They told me they wanted to make quota for the week and that they could resell the equipment and pay it off before monthly payments started up. This had been done before and I should n't worry about it. The manager filled out the sales contract and had me sign it. United Consumer Financial Services said they called my place of employment to verify income and verified the purchase with me but they never did. I 'm a XXXX, living at home and XXXX, I 'm not employed. And my mother is joint owner/signer on all my financial accounts. We have tried to resolve this issue with the company for 10 days with the XXXX but the company refuses. UCFS when contacted, said they verified employment and income but there is no employment or income so who verified it? We asked for a copy of the loan application to see who filled it out and what was written on it, from both XXXX XXXX XXXX and UCFS but neither one would supply it. We just want to return the equipment and cancel the loan. These are preditory and fraudulent practices and should n't be allowed to continue. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I applied for a card from paypal prepaid XXXX ( issued by XXXX ) and was indeed issued a card. However, when I went to activate the card online, I was informed there was a problem with my account and directed to call customer svc. The woman on the phone told me that I was not eligible for an account with them and when I asked for a reason I was told " we can not give a reason ''. I asked whom I could contact for a reason but was told that no reason can be given and I can not contact anyone who can tell me why I was declined. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Reported date incorrect original disputed with XXXX XXXX for reporting to Trans Union Credit Agency twice XX/XX/XXXX and XX/XX/XXXX. With this reporting I was unable to obtain an apartment due to the two yr rule here in XXXX Texas and asked to pay an extra deposit of {$800.00} for an apartment. This debt was scheduled to be removed off my credit XX/XX/XXXX, then the XX/XX/XXXX date showed up and prolonged it. I do n't feel it 's fair I would like to have this debt removed from my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, Bank of America on line payment system did n't work so the payments were posted late. The irony is that I have my checking account with Bank of America, so they just simply needed to transfer the payments from my checking account to the mortgage account with themselves and they failed to do that. Now they refuse to fix the issue because the loan was transferred to XXXX and they do n't care to do anything neither the new servicer. I am applying for a Mortgage and this issue is affecting my credit. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX debt collectors incessantly called me during the months of XXXX and XXXX 2013 to collect on an alleged Bank of America credit card debt. I remember these repeated calls as annoying, aggressive, intense and oppressive. All of these calls took place while I was attempting to work. 

XXXX insisted that I had to settle my alleged debt before the end of the month or the settlement talks would end. It appeared, based on their aggressive and oppressive behavior, that they were indeed desperate. Therefore, I better settle the alleged debt by the end of the month or the endless and degrading phone calls would never end. 

The calls, to my recollection, started with the initial collector who was rude and aggressive and tried to force me to settle the alleged debt at a price that I was unable to afford. Then I was moved around between different " levels '' of surly and degrading debt collectors. This culminated in a high pressure settlement on XXXX XXXX, 2013. ( See the attached letter from XXXX XXXX, dated XXXX XXXX, 2013. ) As I state below, the only reason I paid the alleged debt was to end the incessant and harassing and oppressive XXXX XXXX phone calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted Macy 's credit card customer service in XXXX. I had been off work for medical issues and needed help making my credit card payments for awhile. I talked to a woman who said she would set me up on a 12 month program. She was reducing my monthly payment to XXXX dollars, lowering my interest rate to 3 percent and moving my due date to the XXXX of every month. In order to do this I had to close my account, which I agreed to do. I logged into the credit card website in XXXX to make my payment, and my account reflected the payment program. I made the XXXX dollar payment as agreed and was charged XXXX dollars and some change in interest. Come XXXX, I log into my account to make my payment. Well now my payment plan looks to be non existant, my account is still closed and I 'm showing as XXXX dollars past due! I desperately try to get anyone to help me. I called over XXXX times and each person told me they could n't help me and to call back. They gave me the number to the department who handles hardship accounts, to which I left a voicemail and never got a return message. I did XXXX online chat sessions, where both people would not help me. I submitted XXXX online secure messages, I sent XXXX complaints to the XXXX. I just do n't know what to do! No one will help me or even acknowledge me!!! This is ruining my credit!! I feel I was lied to, mislead, and tricked into being put on a program and having my account closed when that 's not what actually even happened! I need someone to help me! When you look at my statement for XXXX, it shows a payment plan and 3 % interest, but when you look at my XXXX statement it reflects XXXX dollars of interest, late fees, and past due amounts! This is seriously stressing me out. I feel like they have all this control over my credit and are just ruining it. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX 2015, I filled out an application w/Bay Equity, LLC to refinance my home. On XXXX XXXX 2015, I paid {$490.00} to have my home appraised per Bay Equity, LLC instructions. The Lender notified me on XXXX XXXX 2015 that they had underwriter 's approval for my loan. Then, I was scheduled for 'closing ' on XXXX XXXX 2015. During the 'closing ' I talked to Bay Equity personnel 3 times at numbers : XXXX & XXXX ; while in the process of signing all relevant documents. At no time during this process did Bay Equity personnel cite any derogatory complaints concerning the funding of my loan. As of XXXX XXXX 2015, I have not received any official documentation from Bay Equity : As to why my loan did not fund? So I have made several attempts ( phone : XXXX ) ; ( email : XXXXXXXXXXXX & XXXXXXXXXXXX ) ; & ( certified mail : Bay Equity Home Loans, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ), to inquire without response. I initiated this action after recently ( via Internet ) becoming aware that under Federal Law, Bay Equity, LLC fail to notify me ( in writing ) in 60 days of my 'rights ' under the Equal Credit Opportunity Act after my loan # XXXX was disapproved without warning. End of Statement 

Company response: Company chooses not to provide a public response
Consumer complaint: I bank with Navy Federal credit Union, I have direct deposit. This bank without autoririze took my va deposit and made a payment without my autoririze. They have no right too take my money. What kind of bank automatic take a Payment without your permission ... Now if I went into any bank or company and take money without been authorize would be a crime. Big cooperation make their owned rules 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've been getting calls from company called Bryant and Bryant associates claiming be lawyers office. However, I research them on XXXX and their are collection company. This is total against law and violates debt collection rules. A XXXX XXXX has called me numerous times saying he 's got legal claim against me in his office. I 've saved voicemails sent in last three months. Company refused to verify debt through mail. They called and harassing my family friends and job. They claim be lawyers office however, they are only collection company. State of Ct says that this company ca n't charge without crime its civil issue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have filed several disputes with the all XXXX of the CRA 's and have also disputed directly with XXXX XXXX XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the first time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: Since XX/XX/XXXX the borrowers XXXX and XXXX XXXX have made SEVERAL attempts to resolve the XXXX lien dilemma with Specialized Loan Servicing. The problem begin when the homeowners sought to refinance prior to the maturity of the XXXX lien. The request was denied due to the " lack of equity '' found by the mortgage company - XXXX XXXX. Immediately contact was made with SLS to advise of the challenge prior to maturity. SLS stated the borrowers had to complete a hardship package and submitt via fax or email. The package was sent to borrowers and promptly completed in XX/XX/XXXX. The borrowers stated in supporting documents that they needed to settle the debt which they were told the file was under review for this option. However on at least 4 different occassions since this request was opened the borrowers have received loan modification packages which grossly exceed the borrowers affordability. The payment prior to the end of the maturity was under {$200.00} per month however since numerous requested for settlement, SLS releases calling for monthly payments that begin initially with {$600.00} to now over {$700.00} per month for the next 5 years. NO financial information has ever been submitted, because it is non-existent, that supports they can pay this! .Each and every time the various representatives - XXXX, XXXX , XXXX , XXXX and lastly XXXX , converse with me the do n't have the ability to comprehend what the request is of the borrowers and always ask for the Foreclosure prevention Change of Intent form. This form has been sent no less than 7 times! The borrowers have stated they would like to keep their property, submitted the settlement offer and proof of funds available to pay the settlement but this has been to no avail. I am told that the file is with the underwriter and most recently, I was told that there is equity in the home although I submitted a certified copy of the lenders appraisal which denied the refinance to include the SLS XXXX lien because of value. 

Company response: Company chooses not to provide a public response
Consumer complaint: My current mortgage company ... .Ditech..formerly Green Tree Servicing charges a {$12.00} convenience fee for electronic check payments through their own website. I find this fee to be egregious and hypocritical given that hey are encouraging everyone to move away from paper bills only to then " ding '' people {$12.00} for paying online. This is not new technology and certainly does n't cost them {$12.00} to process. Your assistance is greatly appreciated. 
Thanks, Consumer 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Credit Line reduced from {$2500.00} to {$500.00} immediately following payment in full of the credit card balance. I contacted Barclay Card to determine ( per XXXX XXXX ) that the credit limit was reduced due to balances on other lines of credit. I advised her that such credit reports do not indicate current information regarding such balances and I offered to provide account statements ( including checking account activity ) which confirms that other such balances have, in fact, also been paid in-full. My request for consideration of alternative account balance verifications was declined. The reduction in the Barclay Card credit limit affects the available credit reported on the various credit bureaus, and thus has a financial impact ( damages ) resulting in otherwise higher interest rates and other adverse credit actions. I feel this scenario clearly indicates that Barclay Card is engaging in unfair practices by not providing an alternative resolution protocol in this matter. This issue has happened previously ( XXXX 2014 ) in which Barclay Card restored my credit limit following receipt of my prior complaint filed with the CFPB in that matter. I am requesting that the CFPB conduct a full investigation into possible unfair actions being conducted by Barclay Card. 

Company response: Company chooses not to provide a public response