AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX, 2015 my spouse passed away. On or about XXXX XXXX, 2015 I visited the BofA financial center to inform them of his death. I delivered to documentation they needed to start the claim process. On XXXX XXXX, 2015 I visited again and was told I needed to resubmit the same documentation. On XXXX XXXX, 2015 I received paperwork that said I needed to submit the same documentation I have submitted already twice. Since XXXX XXXX, 2015, they froze the accounts and allowed overdrafts to occur because the bank closed his visa overdraft protection without any notification to me, his spouse, beneficiary and successor trustee. This is apparently being handled through the bank 's Estate Unit in Florida. Now I have no access, either online or in the branch to see what is happening with these accounts. The branch personnel were extremely apologetic and helpful but even they could not get the correct information from the Estate Unit. this is now way to treat a grieving spouse. 

Company response: Company chooses not to provide a public response
Consumer complaint: I used home depot credit card charged {$210.00} on XXXX/XXXX/2015. 
I paid the bill of XXXX on XXXX/XXXX/2015 as the credit card company said that is including the interest. 
But the company keep to sending me the bill of late charge {$39.00} every month since then until now XXXX saying that because I paid XXXX is XXXX day late I have no idea of what after I paid whole balance bill with the late fee charge in full of their bill And they still keep to charge me the fee I have already paid in full And calling XXXX times day from XXXX to evening today XXXX, I had to pay {$78.00} for the company to finalize this pay by the customer service in the local home depot arrangement. 
This is not fair to me that I write this letter to you for your justifying. 

Company response: Company chooses not to provide a public response
Consumer complaint: Best Buy/CitiBank Cards is trying to rebill me for something that happened several months ago. I filed a dispute because I returned a TV for {$860.00}. I provided proof that it was returned via USPS and they 're now re-billing me for it when the dispute was filed back in XXXX. According to the LAW, a bank or company has up to 90 days to resolve a dispute, that time frame has passed. Also I have contacted them several times about this and they 're refusing to work with me. This is n't the first time they 've done this to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone opened a credit card in my name at XXXX XXXX. We have contacted the creditor, but need to pursue whatever is necessary to have this removed from my credit 

Company response: Company chooses not to provide a public response
Consumer complaint: I have stop payment on Lend Green due to finding out they are not regulated in the state of Ky. I went into my bank, XXXX XXXX XXXX XXXX, on XXXX and put a stop payment on them but they went into my 2 weeks later under alternate originator number. I have sent an email to the company to stop all ACH and I filed a complaint with Ky XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have an account listed on my credit report from Focus Receivables Management. I did n't receive anything from this company. This account, now almost 6 years old, was settled with original holder - XXXX. I have not received phone calls or mail from Focus Receivables and it is greatly impacting my credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I believe the so-called company " XXXX , Inc. '' Is fraudulent and I fear that my identity, finances and credit are at stake! 

I received a letter in the mail that stated that my account number has been turned over to " XXXX, Inc. '' for collection. This letter was asking me too forward payment in full or to call the office to arrange payment terms. It also stated that they report to XXXX and XXXX and that it is in my best interest to pay the money or contact them. The end of the letter was signed " Sincerely, XXXX '' Additional comments at bottom of letter : " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this. Or any portion thereof, this office will assume this that is valid. If you notify this office in writing within 30 days from receiving this notice that the debt, or any portion thereof, is disputed, this office will obtain verification of the debt or a copy of a judgment against you, & a copy of such verification or judgment will be mailed to you. Upon your written request within the 30 day period, this office will provide you with the name and address of the original creditor, if different from the current creditor. 
This is an attempt to collect a debt. Any information obtained will be used for that purpose. 
This communication is from a debt collector. '' I believe that this is a fraudulent company whom is attempting to steal money from me and possibly steal my identity. When I contacted the number to inform them that any or all of my medical debt has been paid in full, they were rude, demanding and very unhelpful unless I exposed personal and/or important information about myself. They refused to discuss the matter any further until I gave them my birthday, social security number and other information that I am NOT comfortable giving over the phone. When I research the company online through the XXXX there were endless complaints about this company being fraudulent and harassing other people around the United States! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My home was foreclosed in XXXX 2012. The XXXX lien holder, Wells Fargo, did not follow proper procedure about closing the loan out. They now are recording my loan as an Unknown status, which is preventing me from moving on with my life and securing a new mortgage on a lesser home 3.5 years later. I am told that they must record the mortgage status as foreclosed or written off, and they are not doing so on my FICO report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am needing some assistance. My mortgage was part of a bankruptcy that was discharged back in 2013. My loan modification was never re-affirmed and since then anytime I am late I receive foreclosure notices. I just finished getting my loan re-instated from a fore closure. I am at the point where I cam considering a federal lawsuit against Bank of America because they refuse to help me by way of getting my loan re-affirmed. I ca n't refinance, I ca n't get a line of credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: Failure to address fraudulent charges and multiple false promises from customer support. On XXXX XXXX I became aware of multiple fraudulent charges on my debit card. I contacted Bank of America and, after spending over an hour on the phone was assured of that : all the charges would be removed by the next day ; the card had been shut down so no further charges were possible ; and I would receive a replacement card by XXXX XXXX. On XXXX XXXX I checked my account online and discovered that not only had none of the fraudulent charges been removed but several more had appeared. I called again, and after spending nearly XXXX hours on the phone ( including an escalation to the 'Customer Advocate Team ' ) the same promises were reiterated. On XXXX XXXX I discovered several more fraudulent charges ( XXXX of which were dated after the card was allegedly shut down. ) I called in yet again and, after an extended hold time, had to waste even more time arguing with a rep who claimed crediting back fraudulent charges takes 3 business days ( even though I had seen it done immediately the day before ) acknowledging that was false and processing the claim. Additionally, even though I had been repeatedly promised no further charges would post I was then told that was false and fraudulent charges which had previously been removed could repost at anytime. Additionally on XXXX XXXX I was promised that a replacement card would be sent out immediately for delivery no later than XXXX XXXX. When I did not receive it I had to waste still more time on the phone before being told it had not been sent for over 24 hours after I was told it would be and would n't be delivered until XXXX XXXX at the earliest. 

Company response: Company chooses not to provide a public response
Consumer complaint: The manager gave us a letter saying that he would not do a walk through of the apartment required by law because of complaints filed with HUD. 
Then he sent us an illegal bill charging us for new paint, carpets, tile without including the receipts ( also against the law ) Now he hired these illegal lawyers to try to collect. I have filed a small claim case against them but had it delayed because of health problems. 
I demand that XXXX return our security deposit or I will ask the judge to double the amount! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I checked my credit report and there is information about a debt in the amount of {$670.00} that is not mine. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: In XXXX Countrywide Mortgage discharged a mortgage for {$30000.00}. I relied on this Discharge. In XXXX Country Wide Assigned this discharged mortgage to XXXX XXXX background the following facts and events occured : In XXXX Bank America ( the loan servicer ) attempted to foreclose on the {$30000.00} discharged mortgage.. After numerous letters and phonecalls Bof A admitted the loan was discharged and ended all foreclosure actions against me. I recently discovered that Countrywide Mortgage sold or assigned the mortage in XXXX to XXXX XXXX. At no time did Bank America divulge this to me until after a response to my consumer action letter ( in XXXX ) XXXX XXXX pursuant to Massachusetts General Laws.without proving the mortgage ( XXXX ) was invalid. With respect to the Assignment it ignores the Discharge even though it was Countrywide who created the Assignment to XXXX XXXX. Of further note, my first mortgage was with Country Wide who was found responsible for predatory lending practices as well as unfair actions when they serviced the loan and other claims. My first mortgage was Modified in XXXX at no time did Countrywide claim that there was a second mortgage. Please Note : I am having trouble with uploading..the XXXX documents are a Discharge recorded at Book XXXX Page XXXX ( XXXX ) and the Assignment recorded at XXXX Page XXXX. ( XXXX ) Both recorded at the XXXX XXXX XXXX XXXX XXXX in XXXX Massachusetts documents are available on line. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I owed back taxes in the amount of XXXX we have since than paid it all back. I had a company called XXXX help me to try get the lien off my credit report after it cost me XXXX and it was taking so long for them to help me I decided to reach out to you for help. TransUnion is still showing the lien on it so can you please help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: im in the process of identity theft from my family members using my ss number and drivers license which they had no permission to use in the first place! 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My CITIBANK Checking Account is consistently showing systematic daily posting of debit card transactions in a descending order after they are pending for 3-5 business days. Transactions are re-ordered with the largest coming out first, then gradually the smaller ones last. This practice has been making it extremely difficult to balance my account and avoid overdraft fees. This happened before with XXXX XXXX XXXX. I asked XXXX supervisors in the customer service department, and they refused to answer my question as to why this pattern has taken place every day for at least the most recent 6 months of my transaction history. I suspect this practice has taken place since the inception of my checking account with CITIBANK. The bank also withholds my deposit funds for far too long. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX at XXXX XXXX called me and told me that I was going to have a warrant for my arrest if I did n't make a payment on a debt from 5 years ago. They were attempting to get XXXX in total. I blindly sent XXXX dollars to these con-artist. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX = XXXX did an unauthorized hard credit check when i did not apply for a credit card. This caused a drop in my credit rating. I am notifying Transunion and XXXX but have been told that they will not remove it. I believe that this is totally unfair and illegal and they should fix my credit rating. 

Company response: Company chooses not to provide a public response
Consumer complaint: This dispute is in reference to judgment file # XXXX in the amount of {$6000.00} which was paid off XX/XX/XXXX. On that date XX/XX/XXXX I attached payment documentation along with the final payment, sent in a certified package to Frederick J Hanna & Associates. XX/XX/XXXX I talked with XXXX and he inform me that there was an outstanding balance in the amount of {$4100.00}, after talking with him for several minutes he then said the balance was {$500.00} which I told him it was incorrect and the balance was {$0.00}. XX/XX/XXXX I call their office again to see if they had corrected my account I talked with XXXX XXXX and then transferred to XXXX XXXX who informed me that they were still investigating matter, my response was that you have had over 30 days to investigate this. XX/XX/XXXX I talked with XXXX XXXX she said the balance on the account was {$120.00}. which was because of the money order dated XX/XX/XXXX could not be account for, so I call the money order company and confirmed the money order was not cashed. I call XXXX XXXX back the same day and informed him the money order had not been cashed. I also informed that the issuing company was only going to replace {$100.00} of the money order due to the age of it. She said they would absorb the {$20.00} and to just send them {$100.00} which I did XX/XX/XXXX. XX/XX/XXXX Frederick Hanna sent me a letter stating that my current balance on this account is {$3800.00}. I have all my payment receipts which total the amount owed. I would appreciate any assistance you can give to help resolve the matter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: MY NAME IS XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, IL.XXXX. I AM WRITING TO FILE A COMPLAINT ABOUT A COMPANY CALL CORELOGIC / CREDCO. TO FIND OUT WHY CREDCO HAS MY SOCIAL SECURITY NUMBER AND HOW DID CREDCO GET MY SOCIAL SECURITY. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a USAA debit card customer. Recently, my debit account number was hacked, so the bank replaced my card with a new card. In the meantime, XXXX payees reported that they had not received their monthly payment. Payee A contacted me by email and I resolved the problem by giving them the new card number. Payee B contacted me by email and then sent an email saying that they had resolved the problem by charging my new debit card. I never gave anyone at Payee B or USAA permission to debit my new debit card account. 
USSA has reversed my charges and given me a new debit card. But there is no explanation for why the bank or the XXXX network allowed payee B to be payed with my new card. Finding out what I know has wasted hours of my time. It 's worse than dealing with a car dealer!! 
This is a form of customer harassment. Why do banks get away with this? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been in dispute with my XXXX lienholder ( Green Tree Servicing ) about the status of our XXXX lien in order to meet qualifications of XXXX. We have documentation from the XXXX lienholder XXXX XXXX XXXX that the loan was accurately reported in the system and from the XXXX lienholder ( Green Tree Servicing and DiTech ) that states that the XXXX lien was properly identified as a HAMP-modified loan. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My name is XXXX XXXX ; i am a widow ; semi-retired from XXXX. The FCM bought out my XXXX mortgage a few years ago and placed a lien on my property. I have been trying to settle this since then. It is almost upsetting how they kept on asking me to counter offer against their offer of {$31000.00}, but never mentioned about the expiration date -- XXXX. Had I known that there was an expiration date on their offer, I would have made far better decision. I did not have a regular income, so I was trying to see if I could lower the final amount to borrow lower than {$31000.00}. I felt very angry at their deceit -- not ethical at all. Now I have to appeal this to see if I can settle this once for all, which has been my heart desire ; they just sent me 'Notice of Default and Intent to Accelerate ' to me last week. I had filed chapter XXXX in XX/XX/XXXX, I need clarification on page XXXX where they said, ''To the extent your obligation has been discharged or is subject to the automatic stay in a bankruptcy case, this notice is for informational purposes only and does not constitute a demand for payment or an attempt to collect a debt as your personal obligation. ' I am totally confused ; they said this debt was excused ; then, they would like to accelerate?. 
If you can help me settle this with their initial amount for me since they were deceitful, I would greatly appreciate it. I have XXXX different licenses -- XXXX ; each ethics class I had taken for these, they emphasized how important it was to inform your customers with all important facts to help them make a better financial decision. Their hiding this fact until after the fact seems to me pretty unethical almost like a criminal act ; consequently, I am appealing this to you to see if you can help. 

XXXX XXXX and a XXXX! 


Respectfully, XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am cosigner on my daughters XXXX loan. My daughters loan is in default and XXXX loan has given this loan to debt collector Attorney Russell P Goldman located at XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, NJ XXXX. This debt collection company put a levy on my bank account and took everything I had without notice. My daughter and I received a letter that XXXX Bank as well as XXXX XXXX XXXX had a levy placed on them. Neither of these banks do I hold an account at. My bank is XXXX XXXX and this bank was not mentioned in any of the received paperwork. Also once before they had placed a levy on my daughters XXXX Bank account and when my daughter wrote a letter to the court to claim her {$1000.00} exemption they lied to the court and said there was no levy yet we supplied the court with a copy of the paperwork where they did. This debt collection company does not work within the guidelines that they are to follow. If they have been dishonest with my daughter and myself then I can imagine they have the same practice with all of the people they are harassing for payments. My daughter has also in writing on numerous occasions asked them to consider payment arrangements as she does not deny the debt, it is that the payments were so high she could not afford them. This debt collection agency has ignored every request that my daughter has made to them in writing about a payment plan. XXXX loan was seeking {$1900.00} per month from my daughter directly out of college. My daughter was granted XXXX forbearance and then denied consolidation as well as refinancing as they said she did not make enough money to do these things. We still do n't understand this logic as consolidating would have made her payments less and would enable her to keep on track. XXXX loan essentially dismissed my daughter as she was not making full payments but she was paying whatever she could and XXXX loan defaulted her even though she was attempting to make any kind of payment to them. In closing I would like to also add that XXXX of the loans that was less than {$90000.00} has now somehow since XXXX blossomed into {$210000.00} while at this debt collecting agency. Is n't this Usury? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This account is closed since XXXX/XXXX/09 and still showing om my credit report XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was making a transaction on XXXX using my bank of america debit card and the transaction never went through. Moreover, they sent me a text message saying there is an unusual activity and asked me to confirm if it was me making the transaction. I sent a reply back saying yes and also called them and informed the same. Regardless of all this, the next message from them is that the card has been blocked! 
When i called them again, they put me on hold for 33 min searching for questions to ask about authentication. Finally, they dont even ask the questions but simply ask me to walk in to a bank of america center with my ID proofs. I live in XXXX in Minnesota and there is no bank of america in a XXXX mile radius! I tried talking to the supervisor but she has been arrogant enough to even accept that there has been so much trouble caused and in return was rude enough to say thats how the organization works!! 
Now i just need to travel a XXXX miles for just trying to purchase something online.!! 

Company response: Company chooses not to provide a public response
Consumer complaint: This is regarding my mortgage servicer DiTech Financial LLC which was formerly Greentree. A month ago I got an escrow notice from DiTech that said I owed them {$2100.00} additionally for escrow. The prior year I had given them an additional XXXX to cover escrow shortages - which made sense as my insurance and taxes went up. This year my homeowners insurance did not go up and my taxes also stayed close to last years amount, therefore if they were able to pay my bills last year with the monies taken out of escrow why then do I need to pay them an additional {$2100.00}. As a result, I called and took on the personal liability of my homeowners policy - a {$1200.00} amount no longer needed to be pulled from escrow. I got a revised statement saying that I now owed them {$1900.00} for additional escrow monies. My problem is that this does not make sense, my escrow amounts did not go up significantly and I took {$1200.00} out of escrow payments. The mortgage servicer knows what my homeowners and taxes are - they are close to the same every year - so how can have made such a big mistake in collecting the required escrow monies with the resultant shortfall of {$1900.00}. Now not only do I have to pay {$1200.00} to my insurance but I am pretty much still paying close to their original amount. This makes no fiscal sense. I tried to get them to see this and ask how this is possible but get no satisfactory answer. From a servicing standpoint it is their job to know the amount that would be required for escrow. As a consumer to be all of a sudden asked for an additional {$1900.00} out of my budget is shocking and unfair as I have been paying all along. There should have been little to no change. 

Company response: Company believes the complaint is the result of a misunderstanding