AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The Honorable to FDIC Only! 

I write in worst extra file charging complaint against Bank of America that BOA called me today, we discussed then at last that 's not resolved problem. I told them it was not resolved problems, so they did not tell me about paid rent check with sad icons forward to U.S. XXXX and Speaker XXXX XXXX. In addition, Bank of America did not tell me about credit card issues information. I told them that I did not receive a refund today and checked my BOA on tablet, there is still nothing. 

Still that I do not happy with Bank of America since that I used Bank of America account. In addition, I do not allow female worker involved in this bank issues and me, so use a male accommodation works with me through these/those bank issues. 

Company response: Company chooses not to provide a public response
Consumer complaint: I began working with XXXX XXXX and XXXX XXXX in XXXX 2015. Several times during the mortgage preapproval and application process I was told that I would receive communication back, either via a phone call or email, however, I did not. Having waited for said contact on multiple occasions over two months, mortgage rates have now risen. Because of their inability to follow through on what they said they would do, and the lack of communication on their part, I had to pursue my mortgage application with another company at a higher rate. My last conversation with XXXX XXXX ended on XXXX XXXX, 2015. He stated at the end of our conversation that I would receive a call back later that day. To date, I still have not received any contact. On several occasions, I had to call his office multiple times in one day. Specifically on XXXX XXXX, 2015, I called XXXX ; XXXX in the morning and XXXX at close of business, only to be told that I would receive a call back both times. I never did receive that call. Instead XXXX XXXX sent me an email to call him the following morning. Since I began the mortgage process, I have been pursing the XXXX Achieving the Dream product with the 3 % Down Payment Assistance Loan. Since XXXX 2015, the rate has held steady at 3.375 %. However, on XXXX XXXX, 2015, the rate rose to 3.5 %. Because I waited to hear back from these award-winning employees, I am now locked in at a higher rate, thus spending XXXX more over the life of my mortgage. I now highly regret engaging in contact with XXXX, believing that I would receive timely correspondence. During the course of my career, I have been trained to spot regulatory violations and this XXXX is glaringly obvious. It is exceptionally unfair that I am now subject to the higher rate and thus more money out of my pocket, because I waited for contact me back. Had these loan officers followed through not only in communication, but with my application, this could have been avoided. Furthermore, having sent XXXX XXXX and XXXX XXXX the XXXX pieces of information that constitute an application and receiving no response to date, this is clear violation of the service level agreements set forth by RESPA statute. I have attached a timeline of events depicting the correspondence between XXXX and myself. Emails and phone records are available upon request. I want to know what XXXX will do to rectify this situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a report of collection for {$100.00}. The debt collector is listed as XXXX XXXX. The original Creditor is listed as XXXX and XXXX XXXX. I have not had an account with this creditor, and have never received literature regarding this debt from the original creditor or the collection agency listed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am receiving numerous robocalls from various numbers. When I answer, the call ends. I have called back several numbers, and they appear to be XXXX. I have asked them to cease, but they continue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/XXXX, I filed a complaint towards citibank for the credit inquiry made by citibank on my XXXX credit report. The inquiry was shown on my credit report as " CBNA dated XX/XX/XXXX Bank-Installment Loans. '' On XX/XX/XXXX, Citibank gave me a response through CFPB. The content of the response is attached below. 

" We reviewed the client 's request to have the credit inquiry removed that is listed under " CBNA dated XX/XX/XXXX Bank-Installment Loans. '' Due to the incorrect product type reported, we submitted a request on XX/XX/XXXX to have that inquiry removed. Please allow 30 business days for this information to be updated on the credit report. We sincerely regret any miscommunication that occurred regarding this matter and the frustration this caused. " However, as of XX/XX/XXXX, the credit inquiry mentioned above is still listed on my XXXX credit report. Enclosed please find a copy of my XX/XX/XXXX XXXX bureau credit report. 

Citibank did not take action as they promised, nor did they give me any explanation or notice in regards of why they did not remove the inquiry from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America is where I have banked for twenty years. They changed to XXXX XXXX. I banked on line for years with Bank of America and decided to do the same with XXXX since all of my online banking information was transferred as well. I paid all of my bills on line for a few months and had no problems. I paid my XXXX 2015 mortgage payment in XX/XX/XXXX to Bank of America along with all of my other accounts. When I went to pay XX/XX/XXXX 's payment in XX/XX/XXXX, I realized XX/XX/XXXX was not paid. When I called Bank of America they said they only received a dollar in XX/XX/XXXX. I asked Bank of America why they had not called me. I had paid them faithfully for nine years why not call when they did not receive a payment. I could have contacted XXXX XXXX right then. They stated that they had called me at work and left a message on my machine. They did not call my cell, nor did they call me at work. I do not have an answering machine at work. I work XXXX plus hours a week, I 'm the XXXX XXXX and would have known if they had called. I called Bank of America several times this week trying to get my account corrected and the last time I called and asked the very same question to the customer service gentleman, he told me that no numbers were called. They just sent my information to a debt consolidation firm. So I never received a past due letter or phone call. I was very concerned that this would show on my credit report but more importantly my mothers as she has co signed on my house. I paid two payments immediately on line to get my account straight and one by phone. One of my payments on line did not get posted, when I called Home trust they stated that they notified businesses that account numbers would change. He stated that his day is spent answering compliants such as this. My mortgage was kicked back on one of the payments but not both of them done on the same day with the same bill pay account number. Every time I called Home trust they confirmed that the payment was taken from the account they did not understand why Bank of America did not receive it. I paid three times and only two payments were posted one from on line and one by phone. I am trying to build my credit. XXXX XXXX and Bank of America have now destroyed it. This knocked my score down XXXX points and my mother is a cosigner. This is not fair to her. Since XXXX XXXX took over my account, my debit card has not worked at the grocery store. The " available '' balances are not correct. I deposited a check for XXXX XXXX it showed this amount in my available balance but then kicked a payment to a credit card back. I have since changed banks and will not ever have this issue with XXXX XXXX. I do not feel that this should be on my credit report. I was not thirty plus days late on my mortgage payment and do not feel that any of the credit bureaus should reflect this. Please help me resolve this. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX contacted me about a 9 years old debt that was charged off my Credit History 2 years ago, It was affecting my Credit Bureaus for 7 years now this Agency sent my old debt to another new Debt Collection Agency named XXXX XXXX XXXX, this last one is threatening me with another 7 years od bad luck.Please help me.The original collection started in 2006 with a Bank of America Credit Card. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/XXXX a Mortgage contract was entered between my self and XXXX XXXX XXXX, using an XXXX conventional loan. All loan contract paperwork dated for XX/XX/XXXX have no disclosure of or state " NO '' PMI/MMI/LPMI insurance. 
XX/XX/XXXX the home was lost to foreclosure to which XXXX XXXX filed a claim to XXXX XXXX for the amount of {$50000.00}. 
After which XXXX XXXX secured a default judgment against me for just over {$56000.00}. After reviewing my mortgage documents, Truth and Lending documents and Good Faith estimates, all documents state No PMI or LPMI is attached to the loan. I have contacted XXXX and they stated that LPMI was added to the loan XXXX days after closing. According to 12 U.S.C 4905 Home owners protection act and the Truth In Lending Disclosure acts, the original contract and the collection from XXXX is illegal, however I can not find a lawyer who has any background on a mortgage company not disclosing LPMI nor adding it after closing. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit report shows a {$12000.00} dollar debt on an XXXX XXXX credit card. The account was closed in XXXX 2009. I believe this debt should not be on my credit report due to how old it is. 

Company response: Company chooses not to provide a public response
Consumer complaint: Issue with Card Numbers : XXXXI purchased a US Bank Visa Variable Gift cards for {$500.00} at XXXX ( XXXX XXXX XXXX XXXX , XXXX XXXX , CA ) on XXXX/XXXX/2015 and XXXX/XXXX/2015. 

The {$500.00} gift card I purchased on XXXX/XXXX/2015 which was fraudulently used for {$490.00} at a XXXX XXXX in XXXX XXXX on XXXX/XXXX/2015. My funds are held for over XXXX months now. 

I tried to use the one I purchased on XXXX/XXXX/2015 on same day due to my previous card being drained by fraudsters before I used it, but it was declined saying that it was not activated. I faxed in required information for activating it. Later, when I tried to use the gift card at a XXXX in XXXX XXXX, CA on XXXX/XXXX/2015, the purchase was declined. When I checked online I found that it was fraudulently used for a purchase of {$490.00} at XXXX in XXXX, CA on XXXX/XXXX/2015 while I still have the possession of my gift card. I did not even know it was activated and the funds were drained. 

I faxed all the necessary documents to US Bank. It seems like something is really wrong with these prepaid gift cards that makes it so easy for fraudulent transaction while we still have possession of the card. I would suggest everyone not to buy these US Bank Gift cards to avoid this hassle and being out of your funds for several months. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed bankruptcy in XXXX of 2010. There are several medical collection items that were included in my bankruptcy that still show open on all XXXX credit bureaus. I would like to have them removed and am not sure how I can do that? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In the process of refinancing my house with suntrust mortgage company I was providing all the documents required and following all their instructions to have my house refinanced. The whole time I was being led to believe that everything was on track. during this time I was told that I need an appraisal on my house and that cost XXXX. Everything is on track I believe. I would call suntrust to follow up on the progress of my refinance and was told that paperwork was being processed. Approximately two weeks after the appraisal someone from suntrust called me and said that I was denied to refinance my house because my income to debt ratio was to close. I had never spoken with this person during my refinance process and he could not answer any of my questions. I called the agent I was working with and had to leave several messages before he would return my calls. When he finally called me back I explained to him that they should have known I was approved before they took my money. I have spoke with other lenders who said they should have never taken my money until they knew the deal was going through. My agent at suntrust assured me that the money would be refunded to me within seven to ten business days. It 's been over two months now waiting for my refund. Every time I call suntrust I get an assurance that the money is on its way. I have been very patient but I feel like their giving me the run around. The last time I called he told me that the appraiser is sending me the money but I have yet to see a check in the mail. I spent almost XXXX with no service provided. I think it 's wrong, illegal and very dishonest what they are doing and how they handle their business. I would like my money back so I can use that to go a different route in refinancing my home. During the process there was never a change in my income or credit. They had all the proper paperwork with my income/debt. With that information with them they should have been able to determine weather or not my refinance was going to go through before they charged me for the appraisal. 

Company response: Company chooses not to provide a public response
Consumer complaint: The FCRA Guidelines specifically states that it prohibits incomplete or inaccurate information from being reported on a consumers credit report. Doing so constitutes grounds for removal. The Law needs to be followed and enforced. I have wrote this company and faxed information on several occasions regarding these particular accounts listed in this letter. 
1. XXXX XXXX XXXX : This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
2. XXXX XXXX XXXX XXXX This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
3. XXXX XXXX XXXX : This account is/ was in my ex-husbands names, but it is in my credit file therefore deeming it " '' inaccurate '' '' which constitutes grounds for removal. 
4.XXXX XXXX XXXX : A collection account can not be open or go into collections " inaccurate '', " incomplete ''. I have contacted the original creditor and they can not find any account of the sorts in their system. 
FCRA states that if you have previously initiated a dispute or an investigation and do not receive a complete or satisfactory resolution that you may dispute again and the company must respond in XXXX days after receipt of the XXXX notice. This is their XXXX notice. 

Company response: Company chooses not to provide a public response
Consumer complaint: We had CC protection on a CC from BofA so if I lost my job it would continue to be paid. It was an insurance policy. All of my other CC 's froze the account and payments where made from the insurance to keep my credit good while I was unemployed. BofA decided to immediately move the interest rate from 7 % to 29 % for no reason other than they could see I was unemployed. The insurance kicked in and instead of the payments making a dent into the principal it all went to their interest since it was now so high. We called and they said they could do this since I was unemployed yet we never missed a payment or made a late payment. We decided to close the account and refused to continue paying them. A XXXX later they decided to settle the account for {$.00} on the dollar but by then my credit was ruined. No other CC did this practice of raising the interest, just BofA. And yet our government bailed them out ... .how wrong is that. 

Company response: Company chooses not to provide a public response
Consumer complaint: A letter written by XXXX XXXX, the creditor, dated XX/XX/XXXX, was sent to all credit reporting agencies advising them to change our credit history for them from " negative '' to " positive! '' Yet, my XX/XX/XXXX Credit Report by TransUnion is still reporting the account as " negative! '' No other credit reporting agency is reporting XXXX XXXX negatively ; they corrected the status in XXXX, as stated in the letter from XXXX XXXX! 

I went online to dispute this erroneous information XXXX XXXX and XX/XX/XXXX ; I sent the support documents XX/XX/XXXX XXXX XXXX Mail via " Certificate of Mailing. '' I called TransUnion today, XX/XX/XXXX, and spoke with XXXX initially, then I spoke with her supervisor, XXXX. He admitted receiving and looking at the support documents I submitted, yet he refused to change the status from " negative '' to " positive '' per the creditor 's instructions in the letter! The other XXXX credit reporting agencies XXXX XXXX, XXXX, XXXX XXXX had this information changed in XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: MY MORTGAGE WAS JUST SOLD/TAKEN OVER BY PENNYMAC LOANS XX/XX/XXXX. I HAVE HAD NOTHING BUT ISSUES WITH THEM SINCE THEN. NOT ONLY HAVE THEY DECIDED THAT MY ESCROW ACCOUNT NEEDS MORE MONEY AND RAISED MY PAYMENT, BUT NOW THEY HAVE NOT PAID MY HOMEOWNERS INSURANCE PREMIUM. SUPPOSEDLY THE CHECK " GOT LOST IN THE MAIL ''. MY INSURANCE COMPANY HAS CONTACTED THEM ATLEAST TWICE A WEEK FOR 3 WEEKS, WITHOUT SUCCESS. NOW POLICY IS SET TO CANCEL IF THE PAYMENT IS NOT RECEIVED BY TOMORROW. MY INSURANCE COMPANY REP GOT ME INVOLVED TODAY, AND AFTER MULTIPLE CALLS, PENNYMAC THINKS THAT THEY CAN SUPPOSEDLY GET ANOTHER CHECK OUT BY MON OR TUES .... SEVERAL DAYS AFTER MY INSURANCE POLICY CANCELS. THEY EVEN SUGGESTED THAT I JUST PAY MY PREMIUM, THEN I CAN GET A REFUND FROM MY INSURANCE AFTER THEY FINALLY PAY. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I had an account with XXXX # XXXX that is listed on Experian and XXXX as a charge off account even though it has been paid. This account was paid 8-9 years ago and should not be on my report any more. I have disputed it several times to no avail. They have come back and stated that this account was verified but when i ask either the creditor or the credit bureaus for proof of the last date of activity i never get it. 

i 'm hoping you can help me resolve this as this is hurting my ability to obtain employment 

Company response: Company chooses not to provide a public response
Consumer complaint: A {$250.00} payday loan was deposited into a checking account I closed in 2013 from CashNet USA. I might have used this lender in the past but it had to be over 2 years ago. I called the company once my old bank contacted me ( I had no idea this money was deposited until CashNet USA tried withdrawing more than {$250.00} ) and was told I needed to file a police report. I explained my situation emphasizing fact they sent unauthorized money to a very old bank account but they still refused to help. I also offered to send them a copy of my current account statement showing I had absolutely no need for {$250.00}. My old bank ( XXXX XXXX ) is in the process of returning {$250.00} to CashNet USA yet I still received an email stating my account is being turned over to collections. This is a giant scam! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I received a Reward Debit card for purchasing XXXX tires for my car. It is a VISA Card issued through Citi. I left it in the envelope for a period of time and when I called to activate the card and was informed that it had expired and that it had a 6 month use it or loose it date. I purchased the tires in XXXX and the card expired XXXX. I did some research on a couple of websites including Wisconsin XXXX XXXX and found the information that states : " Cards given as a reward or as part of a promotion for making a purchase can expire in XXXX year. The expiration date must be clearly disclosed on the card ''. I called Citi back and talked to supervisor XXXX agent number XXXX and talked to him about my findings on the website and he informed me to go ahead and file a complaint if that 's what i wanted to do, and that Citi 's policy is no re-issues are given. I also talked to him about the XXXX XXXX XXXX web page that had a complaint from this past XXXX against Citi for a similar problem and everything that he said to me is the same as what was told to that consumer as well. XXXX said again go ahead and file the complaint if that was my choice but they would not be making any payment to me so that is what i am doing. I am probably not the only one that has had this happen and would really like to see this practice ended. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have another company charging me XXXX for medical bills that my insurance is supposed to pay. I have no clue why they are charging me because I havent been to the hospital that many times ... so why are they charging me. Why do I have insurance if it dont take care of medical bills. 

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