AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had a Macy 's charge account that I had maintained a {$0.00} balance on in the past with no issue. When I had spoken to the clerk who opened my account I made sure to ask if there were any monthly or yearly fees and she assured me there were none. I made a purchase that I had paid in full on XXXX XXXX 2015. Apparently, without any notice to me, between that time they have started charging a monthly fee they call a " minimum interest charge ''. Being unaware of this fee ( thinking my account was paid in full ) I did not prepare and they debited my account. The payment was returned NSF and they proceeded to attempt to collect this {$2.00} " fee '' two more times. I understand re-running an ACH once is common practice, but three times I have never heard of. As a result I have lost {$75.00} in fees from my financial institution over a {$2.00} balance that I was never notified of. I attempted to remove my payment information from their website and it did not allow me to. The fact that they ran the payment three times and will not allow me to delete my account information makes me incredibly suspicious that they are committing some kind of minor fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have been trying to get a loan modification from Shellppoint Mortgage since XXXX/XXXX/15 and Shellpoint is not being copperative at all and they keep changing the assigned representative handling the file and continue to ask for the same documents over and over. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: First off, Bank of America closed my account after a perfect payment history, claiming my line was being used too much. I accepted this, but then when I attempted to retrieve points, which I earned, I was told the account was closed and I was getting nothing because of it. If the agreement contained information about getting points and redeeming them for credit to my card or other things, I think I should get this. In addition, I was told I had a ZERO interest rate on my account for almost 2 years and I have been getting charged interest each month since they closed my account. I want to know why they can break my agreement, not give me the credit I earned and charge interest on something that is interest free still? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I had fraud on my checking account with Navy Federal Credit Union. This happened while I was in XXXX, the person who did it was XXXX XXXX, I submitted all the fraud affidavits filed a report with the police in XXXX, XXXX and filed a ftc report as well. In addition I filed the fraud paperwork Navy Federal Credit Union sent me. This still has not been resolved. Navy Federal has blocked access to my accounts and say I owe them for this. I have filled out all the paperwork, filed police report but still they will not let me access my ccounts or give me new account numbers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo Overdraft Protection from Savings account plan states that it will transfer funds to cover items when the available balance is less than the amount necessary to cover the items, however, they are executing a funds transfer and charging a fee every time the balance is lower than {$20.00} even when there are no items pending that will take the balance into a negative balance. They are charging the consumer a transfer fee just because they have a low balance and not just to cover items that will send the account into overdraft. They are fraudulently charging these fees for overdraft protection from a savings account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Lender Live has began the same unscrupulous tactics that began XXXX 2015 ( see previous complaint ref # XXXX XXXX. I have bean receiving multiple phone calls daily stating that I did not pay my mortgage in XXXX. I have bill pay which automatically sends a check monthly. The agent ( XXXX ) recommended that I make a payment immediately so it does not show on my credit report. I told him no since my bank makes the same payment each month. XXXX stated that since there is no coupon associated with the payment, the computer may misdirect it and I am still responsible even if I have confirmation from my bank when the check was mailed and delivered. My account number and property address is on each payment. I should not be harassed and threatened because the organization does not have the appropriate systems to process payments. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Alpha Recovery Corp. has contacted family members on their personal cellular phones to discuss debt collection of my personal debt. When they have been successful in contacting my family members, they have threatened and harrassed them. They have also left threatening and harrassing messages on my personal home phone line and cellular phone. 

Company response: Company chooses not to provide a public response
Consumer complaint: I obtained a {$35000.00} XXXX Loan with Bank of America in XXXX. This loan was solicited to me as a fixed rate, 60 month term loan. However, the loan was converted in XXXX or XXXX to a revolving account without my consent. I have tried unsuccessfully to resolve this issue with the bank to no avail. From documentation I 've received, the bank does n't know how much the loan was for or the APR nor the terms. I 've received letter stating the loan was for {$35000.00} then another XXXX saying it was for {$37000.00}. In addition, I had a Bank of America credit card during this same time and all the terms and conditions on this loan mirror my credit card. Based on my bank records, I have paid over {$70000.00} on this loan. It seems predatory lending at it 's best. I have researched online and I am not the only customers with this experience with this type of loan from Bank of America. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am a veteran but I am currently an XXXX XXXX dependent XXXX with my wife in XXXX, XXXX. I bought a condo in XXXX, XXXX in XX/XX/XXXX. XX/XX/XXXX was the recession and the drop in housing. I left my job there in XX/XX/XXXX and moved to XXXX for a different job. I was renting out the property without issue until I lost my job in XXXX. My loan is with Select Portfolio Servicing. It 's an XXXX loan and I believe the XXXX % belongs to XXXX XXXX. With losing my job, I could n't pay the mortgage. I tried and tried for a short sale but was denied at every turn. I did n't feel like it was ever a possibility. I subsequently had to file for bankruptcy in XX/XX/XXXX. They kept coming after me for the money even after the bankruptcy went through. Because I could n't really help myself in the states and had no one close to the property, I retained a lawyer about a year ago to handle figuring out when/if the place was ever foreclosed on. The lawyers have been doing a decent job keeping me posted but I feel like the mortgage company is dragging their feet on purpose. I believe the property is currently going through a sheriff sale but I have no idea. I ask the attorneys, they say it 's not on the list, and it has n't happened yet, and they 'll get back to me. I believe the problem is with the mortgage company or the state. All I want is some transparency. I want to know why I was n't helped with a short sale. I want to know why I was n't really helped with this situation at all. 

Also, this entire time, I have accruing association fees at $ XXXX/mo. because my condo was a part of an " association ''. This happens even if I 've declared bankruptcy and could not pay. How in the world is this fair? The property belonged to the state of XXXX ( where I declared bankruptcy ) since XX/XX/XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I did not open a XXXX XXXX. I have disputed with the XXXX bureaus at least 12 times. 
I have requested validation of all information such as original application and signature, all statements and payment history, disputes and collection letters, account terms and conditions, authorized users, etc. they have not been able to validate this information. I sent certified letter and they have 30 days to validate and can not so they must remove from my credit report and permanently delete the information. Account states that I can not be located and was sold to XXXX. XXXX sent me a letter stating they were closing the account and removing from my credit report since they have no information of the XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In case # XXXX, SPS does n't address anything that I submitted ; they just repeated that they thought that my transaction is not a rescindable transaction, and sent copies of everything that everybody already have copies of. 
They do not address my taking issue with them calling the XXXX mortgage payoff a " protective advance '' instead of a consolidation payoff because there was nothing to protect ... I was not in danger of foreclosure by XXXX XXXX, so there was nothing to protect. If what they say was valid, everybody anywhere who has a XXXX mortgage is in danger of their XXXX mortgage being paid odd just because the XXXX mortgage holder wants to, and then calls it a " protective advance ''. 
SPS did not address anything ' as I stated, they just provided copies of correspondence that I already have. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been trying to do a short sale on this property since XXXX/XXXX/XXXX. Every time we submit documents, the servicer says they can not move forward because the foreclosure sale date is too close. So, either our attorney or the servicer goes to court and requests an extension. The extension is granted and I try to move forward with the short sale. The servicer again says they need more time, so the short sale is denied. I just called them, after getting an extension to XXXX/XXXX/XXXX, and they said they need at least 6 weeks to complete a short sale and said they want it to foreclose, they wo n't do the short sale. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been attempting to refinance my home for over two years. The servicing company select portfolio servicing has been giving me the runaround consistently for this entire time. I have submitted and resubmitted paperwork in various forms for them over and over again with no true excuse as to why they were needed submitted in another manner. They hide behind " the program requires that we ... '' And continue to ask me to provide different information. Frankly, I am uncomfortable that they do not even own the right to collect my mortgage and have contacted them requesting a QIR. I have done so by certified mail and they have not met their obligation of even answering this request. They have however sent me a paid off quote that I did not request. This was a predatory loan to begin with, and I am trying to resolve the XXXX that I have been feeling for several years. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 'm on my second modification request with Select portfolio servicing/XXXX XXXX Bank regarding my mortgage. I have submitted XXXX full applications for modification/resume mortgage over the last 2 years. XXXX was turned down for " not enough income '' and the other was approved but again the income calculations were drastically incorrect. Our request to modify or resume was so we could continue making my current XXXX per month payment or something close to that. This time they came back with an income calculation of over {$15000.00} per month. They offer to have me make and payments of over $ XXXX per month for the first 4 months followed by $ XXXX per month for the life of the loan. The income was again calculated incorrectly. The proof provided via tax returns, paycheck stubs and bank statements clearly shows a monthly gross income of between $ XXXX per month. Now, after waiting several months, actually a year for an answer thay have pulled the offer for review which will no doubt take several months. Meanwhile arrearages and fees add up and get added to my balance for mistakes they have made. My wife and I have lost several days from work providing paperwork to the mortgage company, appointments with a counselor at XXXX and court dates with more to come. I have answered every question, provided every document and fielded phone calls " attempting to collect a debt '' of which they will not accept payment on unless it 's full payment. I finally have a job where I make sufficient income to pay all of my bills and I see tremendous progress. I just want to pay my mortgage! Our family is under tremendous stress not knowing where we will be living and all we want to do is resume our mortgage payments and live in our home. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX refuses to allow me to dispute the information that is old and should be be removed 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: TCF Processed debits before credits on my account and then charged an overdraft fee of {$37.00}. I specifically called TCF the very day the transactions were pending and they told me the credit from the deposit would process before the debit payments. In fact they did the opposite and the account was never overdrawn if credits were processed before debits. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: wells fargo bill me for atty services XXXX, XXXX this is the XXXX time they did this and do n't explain it. There a court date on XXXX XXXX, About a settlement for judgment, they need to explain things to me. 

And they s/b be suing the XXXX who created this mess, thinking they could foreclose on pty that the bank owns, by not serving them. 

Company response: Company chooses not to provide a public response
Consumer complaint: The details are in the attached letter that was sent to the bank. 
I was pressured into giving up my car and buying a newer one a at XXXX XXXX XXXX, CA. This matter is with the banks- Firstly, the bank issued a loan that I had no ability to repay. My income was, and still is {$480.00} that I receive from the VA for my XXXX. 
Second issue, the bank unilaterally changed the contract by altering the interest rate. 
Third issue was a disaster when the vehicle was repossessed. They mis-handled funds, sent letters saying they would do one thing and then did another. The entire evolution was a XXXX show. Excuse the language. 
Please see the attached letter I have sent to the bank. They did not respond to the letter, nor claim to have received it. I guess I ca n't prove that either way. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Collector was informed that I can not receive phone calls at work. Continues to call my place of employment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, Illinois XXXX and I was approved for a modification in the amount of {$1600.00} per month that I could not afford now. I have a change of circumstance and has been approved to opt out for the reason of medical problems XXXX that I have been diagnosed by my medical doctor. I have been back and forth to the hospital everyday undergoing XXXX. My wife is no longer living with me and my only income is {$760.00} per month XXXX. I was informed by my relationship manager that my approval to opt out of the previous mod was approved. I contacted Bank of America relationship manager and was not able to speak with him. Spoke with another relationship manager and was told I was declined for the modification that I opt out of that was told to me I was approved to do and start another modification process and would take ten days. My loan was originated FHA that I was approved to opt out. When I contacted the office on XXXX XXXX a relationship manager said my contact was not available and told me I was going to loose my home if I did not short sale or pay the entire balance owed on the home. She did not assist me on applying for a new modification just very rude. Did not care that the lender was not going to get any money for mortgage payments at all. I informed her I was going to file a consumer complaint again the lender for failing to assist me in saving my home, She said go right ahead. I informed her that I have to go back to court on XXXX XXXX and she said at that time I would be put out of my home. I was told that it would take 10 days for my modification for Change in Circumstances to be review and I informed her my wife has walked out and left me as well. My only income will be to pay the mortgage. She did not care. Very Rude Lady. Please assist 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a collection letter from BYL Collection Service. It is for a gas company I do not owe money to. The name of the Gas Company is for XXXX XXXX XXXX. I am currently subscribed to the Said company but I am current with my account. The account number listed on the collection letter does not match to my gas account number. I have sent them a letter demanding proof for the time being. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: now I understand why the FCRA was made because these companies are full of abuse and only want to make money off of inaccurate information! I disputed twice with all XXXX bureaus and I had a few deletions but then they were reinserted on my file and I was never notified and they have to do it within 5 business days of reinsertion. Are they willing to sign an affidavit swearing under oath they sent me something? I get all of my mail and I received all the mail from them except for that. they did n't send me anything and by law they must remove it. not only that, but they did n't send me the procedure they used to verify these items and seeing my name on a screen does not qualify as verification. I asked for the documentation and they did n't provide it. they have a job to make certain that the information on my report is correct and not only that, they have to make sure that the info they receive from the creditors is correct and they did n't. I do n't know what this bankruyptcy is either and the only response is that it stays on my file 7-10 years. did I ask how long it stays on? No I did n't. I have already complained to the AG for my state and I will make a press release. they are treating me unfairly and are breaking the law! 

transunion reinsertion : XXXX XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I paid of my mortgage to Ditech on XX/XX/2016. On XX/XX/2016 they debited my checking account for {$1500.00} for my regular payment. I called Ditech and demanded they return my money. After several calls they refused to return my money immediately and told me they would issue a refund in 30 days. If I had taken their money and held it hostage for 30 days I would be in jail. The took the money by ACH transfer because I had set up automatic payments but the account was paid in full by wire transfer and closed on XX/XX/2016. 
I want my money returned immediately. But if not and there are no consequences for Ditech, I want to know if I can do the same thing and that nothing will be considered illegal or theft. 
Thanks, XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Loan # XXXX Ditechh, Greentree Services To Whom it may concern ; The reason for filing this complaint is to report the incompetent and severe consequences I have encountered due to the actions ( lack thereof ) of Ditech & Greentree Services For the transition period XXXX XXXX, XXXX XXXX XXXX, XXXX is due to several components. The most significant impact and issues are primarily due to the following : XXXX, XXXX loan modification program started I set up monthly scheduled Direct banking payment to Greentree Services XXXX XXXX Greentree Services called asking for a payment " over the phone '', stated XXXX payment had not been received. Greentree Services told me to call the bank to " stop XXXX payment ''. I made a payment over the phone & paid {$30.00} fee to stop the issued payment. XXXX payment was received by Greentree Services in XXXX ( have bank documentation proof ) Greentree Services did not post until XXXX. I was told " do n't worryabout it '' Submitted XXXX payment on time. Greentree Services returned XXXX payment back to me, stated I was rejected from the program due to none payment in XXXX. Combined with NOT finding regular employment Low Sales of running a small business are the reasons for being behind on the mortgage payments. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX is mis reporting the date of last activity to Experian and XXXX for my old mortgage. The true date of last activity is XX/XX/XXXX however, on Experian and XXXX it is reporting XX/XX/XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I fell behind on my mortgage XX/XX/2009. I spoke with my lender, Bank of America and they instructed me to send {$1400.00} overnight to prevent foreclosure, which I did. I was told that this would bring me up to date and that they would respond with the next steps to take. Two months later they sent the money back and told me that it was a miscommunication and that they were going to foreclose anyway. I made attempts over the next 3 years to work with Bank of America but they refused to take any payments stating they would only accept the full balance, or they would proceed with the foreclose. 
Eventually I beat them back in court in the XXXX Judicial Circuit of Illinois and forced them to modify the loan. A {$2000.00} settlement payment followed from Bank of America to compensate me for the improper foreclosure effort. 
As a result of the improper foreclosure Bank of America has placed over 38 late / missing payment notations on my credit report, even though they would not accept payments during that period. Additionally, it was agreed during the loan modification that Bank of America would remove the late / missed payment notations. It was agreed that I could n't have been late or missed payments that the lender refused to accept. They now have simply forgotten that part of the agreement. 
I have attempted to speak with Bank of America regarding this complaint, but there is no one who is willing to address the modification, or even discuss the mis-reporting. This is having a huge affect on my credit score and my ability to refinance to get a lower interest rate. It has cost me thousands of dollars in high interest rates with other lenders as well. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response