AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: " To receive the {$300.00} bonus, you must open a new Bank of America Core Checking account and set up and receive XXXX Qualifying Direct Deposits of {$2000.00} or more each to your new personal checking account within 90 days from account opening. " I received the ad in mail from Bank of America. Because of the attractive bonus, I opened a new checking account and then transfer my salary to it. 3 months later, I did not get any bonus as they committed at beginning. I called their customer service hotline, contacted the teller who set up the new account and resubmitted the relating documents to one of BOA branches. Nobody can tell me exactly what 's the " qualified deposit '' is. My company paid me every two weeks, the bi-weekly income is less than {$2000.00}, but the " qualified deposit '' they required is monthly income .... I believe it 's a big trap for consumers. I wasted too much time to call their customer service, and they kept transfer my call to another person, and they asked the same questions about your account information, your name, birthday, social security number, when you tried to get the solution, they said they are going to transfer you to the right department, and you never know where is the right department. 
Bank of America is a lier! I wo n't trust them any more. Do n't trust their promotions, they are professional liers who are ready to trap you all the time. 

Company response: Company chooses not to provide a public response
Consumer complaint: Borrower : XXXX XXXX XXXX XXXX Loan Number : XXXX BB & T Loan Number : XXXX Recorded Date : XXXX Principal Balance : XXXX address : XXXX XXXX XXXX, XXXX XXXX NC XXXX Rate : 7.250 % Current pre UPB XXXX, after Servicer mod UBP proposed to be XXXX Payment : XXXX/XXXX/2015 ; New Term : 480 months, maturity date XXXX request and concerns : Refer to attachments. Borrower was advised by servicer BB & T that HAMP, trial period offer was printed and sent in error. BB & T servicer then advised borrower and XXXX XXXX XXXX verbally on the phone that the original HAMP, TPP was an error. Offer was not mailed to correct the error. The borrower was advised over the phone to take what was verbally offered or the foreclosure would move forward. Be advised that no correction modification was mailed to the borrower per request from the borrower and no signature modification is recorded or on record. Be also advised that the borrower would have never been aware of the error had she never initiated the outbound call to the servicer to confirm the mailing address was correct to assure the servicer received the original HAMP TPP was received before the designated deadline. 

Per XXXX XXXX guidelines the borrower is requesting a fair review and a new trial period with the original offer of payment at {$0.00} identified as a forbearance period of 3 months, refer to the attachment and rate while this violation is under review and all workout options per waterfall as listed in attached XXXX XXXX directive are considered. The borrower also request a reduction to the current interest rate of 7.25 % to a rate of 2 % and term to 480 months. A complaint is currently filed and in review with the following financial agencies : Servicer BB & T ( servicer ) executive compliant department, Federal Housing Finance Agency, Consumer Finance Protection Bureau. We ask that XXXX and CFPB investigate and confer with XXXX XXXX XXXX investor XXXX the operation and servicer 's performance as a delegated entity on the behalf of XXXX XXXX. We suggest all loss mitigation timelines and foreclosure operation task be reviewed by a third party firm for designated servicer participation agreements, compliance and regulatory error. We ask that a random audit of servicer 's internal mailers be reviewed for more than one workout mailed to additional borrowers and not honored. This error flags servicer and investor violations and places borrowers at risk. Keep in mind this is one violation. There are XXXX if not more and by more than XXXX servicer. Feel free to contact, XXXX XXXX XXXX, and XXXX XXXX XXXX at XXXX XXXX ) XXXX, former senior mortgage XXXX consultant to XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Allied collection services was contacted by myself to resolve a debt account that has been settled in full with another collection agency ( XXXX XXXX XXXX XXXX ) but still remains delinquent on my credit report through Allied collection services. Allied is unwilling to update my account status. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had to hire a lawyer because from day 1 when Greentree took over my loan from XXXX, I have yet to get a straight answer on what was owed, how much was owed, when it was due, etc. I need help! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased a vehicle and obtained a loan but shortly thereafter ran into some unexpected expenses. I fell two months behind on my payments and have received multiple calls a day at both my work and on my cell phone after I made contact with a representative of the lender and told them my situation as well as the date, this month, I intended on paying the past due amount. The calls are excessive, and when returned are often not answered. XXXX now when I have had my calls answered I 've been verbally attacked by Wells Fargo representatives. Once, I asked to speak to a superior. When I was made to wait for forty minutes and finally put in touch with someone, they hung up on me when I asked if I could record the conversation. 

Company response: Company chooses not to provide a public response
Consumer complaint: In the past two years, I 've been trying to get my credit scores up. I 'm older now an more responsible. Each month I regularly check my credit score hopping I 'm moving in the right direction to make this happen. Obviously not. My scores rarely change an when they do it 's barely XXXX point. First of all my name is not being spelled right there are inquires that I know I 've not asked for. My work status has n't been updated none. This could be one of the reasons my score is suffering. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2014 I lost my job working with XXXX XXXX under no fault of my own. I contacted Wells Fargo about the loss of my job and that I was having difficulty paying on my home. After I was approved for unemployment, I inquired for a short sale with Wells Fargo, Which I was then approved for. It appeared that everything was normal with the progress of the short sale. I found a real estate agent to represent me throughout this process and I was in regular contact with Wells Fargo. During the XXXX approximately XXXX I was not able to get in contact with the agent servicing the sale with Wells Fargo. I called and called back and left messages and never received a call back from the person servicing the short sale. Around late XXXX early XXXX time frame, I received a call from an appraiser about my property saying he was unable to access the premises. I told him that I live in another state and that I was unaware that anyone was needing to gain access to the property. I myself did not have access to the property being that is was broken into and Wells Fargo had secured the property. So, I told him that the property was boarded up and secure by Wells Fargo and he would have to talk to them to gain access to the property. About a month later I found out that my short sale was dropped because the appraiser could not get access to the property, and Wells Fargo billed me all the way from XXXX to XXXX when the final foreclosure notice came out. They said that I owed them approximately {$10000.00} which I could n't pay. I found a job in XXXX, but it was making less money than what I was making before. Prior to losing my job I had not been late on any payments to Wells Fargo and I owned the property for XXXX years. Wells Fargo, I told them that I was unable to contact the person that was servicing my short sale when I found out the short sale was dropped. They attempted to contact the same guy while I was on the phone. They said that they was going to send an email to him and start to reinitiate the short sale process again, but that never happened and it led to the eventual foreclosure this month in XXXX. I do n't know the exact date, but it has been foreclosed. This foreclosure has basically ruined my credit or the bank has and I could potentially lose the job that I have now because of this foreclosure. I do n't think that I was given a fair shake. I tried to do things in the proper way, but the lender became unresponsive. There was a XXXX of people that tried to work with me toward the end of the foreclosure but it was already too late. During when I was employed I was making approximately {$XXXX} a month. When I became unemployed, unemployment paid {$XXXX}. I could n't afford to pay the mortgage and live at the same time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a Judgement reporting on my credit report that is completely inaccurate. I have sent the credit bureaus multiple letters asking them to verify the accuracy and they claim they contacted the court however I sent the court a letter as well and they claim they do not verify anything with any credit reporting agency. The credit bureaus are falsifying their investigation results and lying to the consumers 

Company response: Company chooses not to provide a public response
Consumer complaint: I have creditors that are time sensitive debts that are over ten years old and by Oregon state law it is my understanding they should no longer be on my credit report. What information can you provide me to help remove these creditors from my report? 

Company response: Company chooses not to provide a public response
Consumer complaint: I received and deposited an out of state check in the amount of {$1700.00}. This check was deposited on Wednesday and when i checked my account on line Thursday the account showed {$2000.00} funds available. It did not say {$2100.00} deposited and {$360.00} available. This was a fraudulent check that I had received unknowingly, the scam artist then requested the funds be returned through XXXX XXXX, Which I did. Then 2 days later the Bank notified me that I was over drawn by {$1400.00}. My complaint is that the bank would not let me withdraw cash from the teller, atm or use my card in excess of the {$300.00} but they allowed a wire transfer for {$1700.00}. I have tried everything to work out a solution with the bank but every dept says the bank will help and then refer me to the fraud dept. The fraud dept continues to hang up and offer no help. They even hung up the phone on me while i was on speaker phone at the local branch. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2014, I received a loan modification offer from Bank of America while in litigation working with a law firm to help facilitate the process. After making several trial payments, I received a permanent loan modification offer in XXXX of 2014 which was nothing like the modification offer/details provided in XXXX. The offer in XXXX is severely damaging and provides absolutely no relief or comfort to save my home. Furthermore, it keeps me extremely buried upside down to the point it feels like a cruel joke. They did a total breach of contract. The changes below highlight the significant changes : SETTLEMENT OFFER XXXX 2014Loan Balance : $ XXXX Value : $ XXXX : $ XXXX & Interest Payment : $ XXXX 2 % for XXXX years. 
Amortization term XXXX. 
Principal balance {$390000.00}. 
Principal forbearance {$160000.00}. 
Principal forgiveness of {$270000.00}. 

SETTLEMENT OFFER XXXX XXXX Balance : $ XXXX Value : $ XXXX : $ XXXX & Interest Payment : $ XXXX 2 % for 3 years. 
Amortization term XXXX. 
Principal balance {$830000.00}. 
Principal forbearance {$230000.00}. 
Principal forgiveness of {$0.00}. 
Balloon Payment : $ XXXX have complained to my attorney 's office, but they were only confused as well and not sure what or why XXXX did something like this. I even received permanent loan mod docs for signature late from my old attorney and they just wanted me to sign without questioning the complete change in loan modification terms. I reluctantly did as my counsel scared me into thinking if I did n't, I would lose my home. I dismissed my case and my attorney in order to represent myself as I began to feel like the attorney 's office did n't really care anymore since I paid them in full. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been making current payments on this account for over 2 years and the balence is now much lower, would like this account updated 

Company response: Company chooses not to provide a public response
Consumer complaint: I do not know where to begin, except my situation with my mortgage is not right. Its been on-going for years since during and after my Chapter XXXX Bankruptcy discharge in XXXX. For all I know, it may have started when I bought my home. My mortgage was with XXXX XXXX, which was bought out by XXXX XXXX XXXX at the end of my Bankruptcy in XXXX ; which in turn was handed over to SPS to service in late XXXX. In addition, ever since a medical condition and a long unemployment, I felt that something was not right with how my situation was handled. For starters, there was a court order entered through bankruptcy court, which I feel was violated. I have attached this order with this complaint along with an audit/transaction print out from both XXXX and XXXX XXXX. Pay close attention to the date of the order and certain transactions done on or about that same date. When I question the mortgage company about their compliance with the court order, I was told that I did not know what I was talking about. However, it is in black in white. How much does a mortgage company need in " Restrictive Corporate Fees '', and then to turn around and tell me it was for attorney 's fees???? The big kicker was " we do n't care about that order '' From day one, my interest has been 14.65 %. When I ran into trouble from XXXX and my job loss between XXXX through the present, instead of the mortgage company helping me out by adjusting my interest rate and lowering my payments, I was denied a modification, but given a repayment plan that is barely affordable. Then my escrow was discontinued, which put me in situation where I felt the need to put my house on the market just to escape these crooks. I kept every piece of paper on my mortgage from the day I bought my house, and I probably have paid my house off at least XXXX times over. I have attached documents such as court order, transaction history, last statement from XXXX before switching over to SPS, correspondence regarding my Forbearance and Repayment plans, pay-off quotes, XXXX from Washington and XXXX from SPS, a fax to my bankruptcy attorney upon discovery of the violation of the court order and XXXX of few letters of circumstances that I was ask to write. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: When I moved from a house to an apartment, I overlooked a bill from the house, and XXXX called me. I moved into my apartment in XXXX, yet paid the bill in XXXX of 2013, in two payments of {$180.00} to XXXX. All of a sudden, within the last year, I am getting hit on my credit for whatever this {$320.00} amount is from Enhanced Recovery XXXX, who say they are collecting from XXXX. I am still with XXXX, and have been for over 15 years. I have called XXXX and they said I do n't what this debt is from ERC, and told me I do n't owe them anything, nor have they reported anything to ERC. So, someone sold Enhanced Recovery XXXX a lie, or they are bogously reporting this to get $ $ $ from me. I have told them over and over through many, letters that I DO NOT OWE THIS AMOUNT!!! They have NOT provided the proper information proving that I owe this debt, because I guess they do n't think the rules apply to them, but they keep sending me canned letters, and have once again, brought my credit score down again, reporting it as a new debt. I would pay it, if I owed it, but I do not. Seriously rediculous and frustrating, and these people are crooked. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I started calling my mortgage company Freedom Mortgage about refinancing in XX/XX/XXXX 2015 asking what I need to do, what they need from me. after I started the process with XXXX XXXX giving him the information he asked for I went weeks no calls or call backs. after leaving many voicemails I finally got a hold of him he told me my account was transferred to a different rep leaving yet another voicemail for someone else after a couple weeks later to be told someone else had the account. three different people later finally getting a hold of XXXX XXXX who told me my account was closed because they did n't have the paperwork they needed from me which I explained to her I had turned those in to the previous rep who had the account. it was XXXX 3months and payments later she tells me she has to get with a supervisor to reopen it. I called another mortgage company to ask advice they told me I could make a complaint with CFPB. telling XXXX this the next day she called back immediately telling me the account was open and at the under writers. couple weeks go by I call her to hear they need my bank statement I send it another week goes by and she tells me my wife has to write a letter stating I have access to the account and money since it is a joint checking account. then yet another week goes by I call they want an explanation written out why the address on the account is not my house address. I would not have found any of this out had I not called. I was told to get one thing after another and did so in a timely fashion. i finally get everything to them and now XXXX payments later since starting the process its XXXX I am told we are going to get to close the XXXX then they canceled one hour before our meeting because they did n't have the right paperwork rescheduling for the XXXX they canceled again still did not have correct paperwork. they rescheduled for the XXXX and once again called to reschedule for the XXXX still not ready today. I get a call from the title company XXXX XXXX at XXXX they have not received the paperwork from Freedom Mortgage so they are unable to meet us for closing tomorrow. the title company proceeds to tell me they have been ready since XXXX XXXX for me to close however they have been and are still waiting on Freedom Mortgage. I have explained to Freedom Mortgage since day one my payments are to high and I am paying 8 % interest and in XXXX of having this loan my pay off has only moved around {$4000.00}. since XXXX I have been wasting money because it all goes to interest and I explained to them I wanted this done as soon as possible. it was hard to keep up the payment because it is so high and after XXXX I have built no equity due to this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit reporting agency told me if the court couldnt prove the lien was mine, they woould remove it. They said all I have to do is wait XXXX days and it will be removed. After the other two credit reporting agencies removed the erroneous report off of my name instantly with the IRS document I provided, they decided it wasnt good enough. Then I continued sending in IRS documents that the IRS said would clear my name, the whole time they did not tell me each time I send new information in, it resets the XXXX days I have to wait. So today I finally found out ( now that it was about to be XXXX days ) that they have been resetting my XXXX day wait period. Now I have had destroyed credit that continues to go on and on. They do not know how to read the IRS documents and are accusing me of something the IRS said they should easily be able to read. The complaint I have is that they were not honoring the initial XXXX day window to clear my name if not proven guilty, now it is getting closer to XXXX month I will have to wait. They should not be able to assume I want to extend my XXXX days by sending them new information that is only extending my time for my name to be cleared. They did not tell me they would do this, and it has really hurt me financially and is continuing to. They should have to disclose to the disputing party that any information sent resets the XXXX day waiting period, otherwise that means a person is claiming to be guilty because why would anybody want to wait longer when they know the initial debt collecting party can not prove anything because it is false. 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan was originally with XXXX XXXX XXXX then transferred without my knowledge to greentree who did not honor my current modification I was under with XXXX so it started off bad me trying to get a new loan mod with them after two years being told I did n't qualify then they almost foreclosed on me until I hired a lawyer then Florida hardests hit paid almost {$12000.00} to my account to cover all past due fees and bring me current again now asked for a new payoff and see that Greentree has added an additional {$38000.00} to my loan amount and have called it corporate advances?? seriously my original mortgage is only XXXX now the total payoff is over {$80000.00} after we just put XXXX towards the account? I cant understand how this is legal to double my mortgage amount without my permission or consent? greentree did not honor XXXX original note or loan modification now it has already cost me over {$15000.00} in lawyers fees to save this home and clear my account and now they had added all this money to it. I need help with this matter this is no fair to me as a consumer and I wanted to transfer this loan from greentree to another lender and found this corporate advance amount added to my mortgage I need this cleared in order to proceed. Can you please help me with this matter. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Hi I have a dispute with Ally Financial we traded in our lease car at XXXX XXXX and bought a truck they let us out of our lease early and added on our new loan. We did this on XXXX XXXX, XXXX called them and got the pay off and everything was ok. Now Ally is saying we owe them over XXXX dollars because we still own the car we faxed them everything they needed we do n't own the car anymore first Ally said we needed to sign a paper because my husbands name is still on the title so we took care of that then they call us and say we are behind two payments because we still have the car and we did n't they say they still need more money that the pay off was wrong. Not our fault they have everything they need and wo n't close our account we were never late with our payments we traded in the car before our payments was due now my credit is taking a beating because of this I will never deal with XXXX or Ally ever again because the car dealership is not helping us either. I do n't know what to do next can I get a lawyer on this at what type of lawyer. and how can I restore my credit from this it is Two months now and nothing we do is working with Ally. 

Company response: Company chooses not to provide a public response