AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Attached is a full explanation of my issues with Bank of America concerning their putting me on a Trial Modification Program without me filing documents and clearly telling them I did not want to do a modification since it was rejected several years ago after 7 months, leaving me with a ruined credit report. After numerous telephone calls for 4 days I finally got them to a few days later to correct my information and remove me from the trial period. My concern it this should never have happened. They had no authority or permission and frankly continually made excuses. I did file with the state and then now with you. If this is happening to me, it is obviously happening to others. Please investigate and stop this continuous nonsense and I believe illegal process they force on people. 

Company response: Company chooses not to provide a public response
Consumer complaint: As of XXXX XXXX, XXXX I have been paying Central Credit service LLC. ( I attached the very first letter where I was paying them and also the very last payment that came out of my account ) Because they stated I did not start paying until XXXX which is not true the documents are attached. I have copies of all documentations on hand also. I recently ( XXXX/XXXX/XXXX ) called and spoke to walter see what balance they had as it should have been paid off. He told me my balance was XXXXXXXX.Which was incorrect and then proceeded to tell me I was being charged interest. I told him I had no clue I was being charged interest and had no paper work from them stating otherwise. He then changed his story and said oh no I 'm sorry your not being charged interest. So then why was my balance XXXX. It should be a {$0.00}. I called back on XXXX/XXXX/XXXX and spoke to XXXX XXXX and she refused to let me speak, didnt not want my proof from my bank of my pay record showing I had paid it in full and said that they sent it back to XXXX when I called concerned about my account on XXXX/XXXX/XXXX and I needed to call XXXX. So I called XXXX They said that my account shows it was charged off in XXXX and it was PAID IN FULL by me. So all this time I have been making extra payments. I was immediately told by XXXX to file a complaint with the FTC commission and to keep all my paperwork and correspondence, which I have. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had applied in XX/XX/XXXX for a online loan with Western Sky and from that point I been paying XXXX a month contantly and they had a lawsuit i wasnt aware of and they transfer to cash call and then to Delbert Services. I use to be able go online check how much i owed and now there is no website to be found and they send my information to many different people to collect they want me to get a debit visa card or go to the bank and will not mail me information about my debt which i thought i was done paying and it show delbert service on my credit report. and this person from oracle financial keep calling and want me to pay the debt i ask if they can mail me the information he stated i owed XXXX something and on my credit report show XXXX and i was supposed be done with payment for western sky in XX/XX/XXXX. then they was involved with XXXX and who called from XXXX and i just want to pay on it in legal way instead they direct me with no paper work on what i really owed 

Company response: Company chooses not to provide a public response
Consumer complaint: Please find the email I sent to BOA re : them overdrafting my account by double debiting a BANK check. Not only was I NEVER able to reach a live person on the phone ( after two 25+ minute hold times ), I sent the below email to them only to have them respond to me that they no longer accept such emails and directed me back to their Online chat, or call center. They are the worst ( though they 're likely in good company with other massive banks ). 

Dear Bank of America/client retention : You have your work cut out for you today. I 've had enough. Enough of your poorly facilitated transactions, poorer customer service, and lack of any kind of reliable feedback. I 've been a BOA client for over 10 years, with checking, savings, credit card, and business accounts, however you 've done NOTHING to keep my business, and now I know that the final straw has been dropped. 

Today you double-debited my checking account for my rent check, overdrawing my account by {$1500.00}. When I called to rectify, I was on hold for over TWENTY minutes ( 23 minutes before I had to move on with my life, and hung up ). Concurrently, I attempted to use your chat service- for the first 10 minutes, NO AGENTS were available. Then, I was told it would be a 6 minute wait. SIX minutes- to clear up your error. Keep in mind, I 'm still on hold on the phone during this entire time. 

Next, I tried to send an email- to my surprise ( though perhaps I should n't be surprised given your pattern and trend of sub-par service ) the only " options '' I was given to send an email re : checking are : order a check copy, order a statement copy, or " financial hardship. '' Are those really the ONLY things you think your customers might need to email you about?? 

Enough. By my own sweat and efforts ( as you 're clearly not accessible to help ) I 'm going to clear up your error regarding my checking account. I will next be opening new accounts with my local bank. My direct deposits, cash, and all other immediate banking will be going elsewhere because, frankly, you 're too big to care. Shame on you for being a glutton. Shame on you for becoming the target and symbol of what this country now despises. I should have seen this coming, of course ; I 'm just too smart to be banking with BOA. 

Sincerely, 

Company response: Company chooses not to provide a public response
Consumer complaint: I was made aware of a purported debt many months after it had been sent to collection. I have never received a notice, call or letter from the collection agency ( Optima Recovery Services ) but they reported the debt to the credit bureaus and now my credit score has dropped significantly. 

I sent a certified letter to Optima Recovery Services in XXXX 2015. The letter explained I did not owe the debt and included a copy of the cleared check showing the item had been paid. 

I received no response from Optima and the item is still on my credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My loan is being serviced by Amerisave. In addition to my regular monthly payment, I have been sending {$2000.00} in additional curtailment every month. Each month, Amerisave records the amount as {$120.00}. Each month, I contact them to request it be corrected. The corrections are resulting in wildly erroneous calculations and my outstanding balance is not being calculated correctly. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I need my home inspection from the year XXXXXXXXTo XX/XX/XXXX all document that stated that IPaid Well Fargo and I need a payment historyFrom XXXX XXXX to XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I had water service in XXXX VA back in 2011. In XXXX 2011 when I paid my bill I enclosed a note requesting service be discontinued on XXXX XXXX, 2011 because I was moving out of state. I left Virginia early on XXXX XXXX. I had a forwarding order in with the post office and never heard anything else from the water company. I recently discovered that I have XXXX collection accounts for that water service, both with different amounts. I disputed with the credit bureaus and requested proof from the collection agency, stating that since I only had service at XXXX location, I was concerned about having XXXX different collections. The collection agency sent paperwork which appears to show that XXXX collection account is for water service and XXXX collection account for collection fees. However, I noticed that water service was continued for almost 2 months after the date I had requested for disconnection. Furthermore, the last payment I made, placed into a water company drop box, was never credited. My deposit was also never credited. I was also never sent a final bill, so I was unable to dispute the charges for after I requested disconnection. Taking into account the deposit that was never credited and the the payment never credited, if the charges after I requested disconnect were removed, I believe the water company would actually owe me a refund. I absolutely feel the account for collection charges is wrong because if I am owed money, then how can I be charged collection fees? I do not believe the account for the balance is accurate, again because of unauthorized continuation of service and failure to credit payments and a deposit. 

Company response: Company chooses not to provide a public response
Consumer complaint: We received numerous letters or ads from our mortgage company, Freedom Mortgage, stating that our house was valued at {$240000.00} and that we could refinance to use some of the equity in our house. After applying and providing scores of paperwork, we were told that our house appraised at only {$200000.00} by an appraisal company from Indiana and we could only get a new mortgage if we paid {$10000.00} for it up front. The appraisal was based on more than XXXX houses, XXXX of which was out of our district and was half the size of our house plus it was appraised at only {$170000.00} which lowered our appraisal considerably. I believe that this is a practice that is being used to scam homeowners and wish to have a federal investigation of this mortgage company. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX-XX/XX/2011 I damaged my phone and returned it to XXXX. They claimed they never received it and charged my account {$370.00} for " lost equipment ''. I disputed this with them at this time to no avail. 
I cancelled service ( outside of contract ) and went to another provider. XXXX continued to charge me monthly after I left the company. 
I do not owe XXXX {$2300.00}. My position is that I owe them nothing but I am willing to settle for the " lost equipment '' charge and have this removed from my file. 
I approached the collection company and offered to settle. They replied with an amount that is out of the question. 
Please help, they have been less than cooperative. 

Regards, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Guardian Mortgage of XXXX Texas withheld my insurance money for home repairs until the repairs were complete. I paid off the mortgage. If I had n't had enough money. I would have been left homeless because of their abusive policies. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: wells fargo has denied me a loan modivation which I qualify for.they have changed my case maneger 3 times and never return phone calls.they have wrong information on my financels.I finalley got a hold of some one to find out why I got denied and there number of my monthly income got put in computer wrong.so I resubmitted.and know one called and now XXXX XXXX they started forcloser and I just got letter in mail 3 days ago.I have been in my home 18 years and have had my XXXX 30 years.my interest rate is XXXX wells fargo has been very challenging to deal with its because I have a little equity in my home they will not give me loan mode even though I qualify. I am a hard working single female.XXXX is why I feel behind she is XXXX and had to help her, I am only behind XXXX payment over the last 3 years, if they lowered my rate and added past payments on back of loan I would be fine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've been denied a loan due to not having my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, I contacted AC AutoPay to request a voluntary surrender because it was costing me more to fix different issues with the vehicle than it is actually worth and I could n't afford to keep fixing everything and make the monthly payments. I was told by the representative that the request would be reviewed and I 'd be contacted when a decision was made. On XXXX XXXX, the company contacted me to do a collection call. When I asked about the voluntary surrender I was told that the request had been reviewed that XXXX and they decided not to come pick the vehicle up, that they had abandoned interest. When I asked why no one had contacted me to let me know. I was told they did n't have to. I called back later in the day to request the decision in writing and was told that they do n't provide things like that in writing. I asked to speak with a supervisor. When the supervisor came on the line, he advised that they do n't provide their decisions in writing and hung up on me. A few weeks later, a rep called me to complete a collection call and I advised him that I had no intentions of paying anything else and that I wanted them to come pick up the vehicle. Since that, I 've had to demand that they stop calling my work phone and block them from both my home and cell phones. Then blocking on my cell phone does not stop them from leaving voicemails and they call multiple times a day leaving voicemails where they do n't say anything, just a minute or more of background noise. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased a XXXX Cheverolet Cobalt back XX/XX/XXXX when I was XXXX in the Air Force in XXXX Georgia XXXX. The car was overpriced and they charged me a very high interest rate. The payments were paid via an allotment directly from my paycheck. I paid the payments faithfully while in active duty. In XXXX I XXXX could no longer make the payments. I contacted Security National XXXX to see if they would defer my payment until I could find employment, but they refused to work with me. The eventually repossed the car and resold it to another buyer. I have not seen or heard anything from them since, but they have added this to my credit report as a charge-off and have an outstanding balance of {$8300.00}. I feel that this is unfair especially since the car has been resold and I did pay for the car faithfully when in the Air Force and did try to work out an arrangement with them, which they refused. I am asking CFPB to please assist me in getting this removed from my credit report. I would like to purchase another vehicle but this has prevented me from gettng approved for financing over the years. I appreciate any help that your agency can provide. 
Thanking you in advance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had earned a visa rewards card from a credit card I have. The rewards card was issued for {$50.00}. When I called to activate the card, they advised that the cards value was now {$47.00}. I tried to used the card at a restaurant and it was denied. I contacted the credit card who issued the visa rewards card and they had no clue as to why it was denied. I then was shopping and decided to try using the card again. The first time it was swiped, it came back declined. The salesperson tried swiping again and it indicated that I had {$42.00} on the card. We did go ahead and use the card. For a {$50.00} reward I was 'shorted ' {$7.00}. ( I was going contact visa regarding the first denial, however, when I called the number, I was advised there would be a fee for talking to them - needless to say, I immediately hung up rather than further decrease the card value. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit score is XXXX. Ally turned me down on a {$7500.00} loan on a {$47000.00} car. 
Dealer discount price was subject to a loan with Ally. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a XXXX card from Best Buy I did n't request. They both had different account numbers. When I called to inquire I found that they also activated it without my permission. And worse it had a balance. XXXX showed XXXX and the other XXXX. I demanded that they Close XXXX accounts immediately. For my safety. I do n't want this to go against my credit score because of this. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX, TX XXXX ( XXXX ) XXXX Use my credit XXXX time and I only ask for XXXX time, I would like it remove if possible. Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian continues to report an incorrect item on my credit report. There is a lien on my credit report for a XXXX XXXX account from 2010. On the same credit report page XXXX, you can find my XXXX XXXX account histories and they are always paid on time, never late. Account closed at consumer request. 
Even after disputing this item twice and pointing them to their own information on my credit report, Experian refuses to remove the fraudulent item on my credit report. This is now impacting my ability to buy a home. 
Can you help me resolve this issue? 

Company response: Company chooses not to provide a public response
Consumer complaint: This were an XXXX XXXX bill that was deleted from my credit report and now it appears on my credit report by another company which should not have happened. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have contacted the company for a hardcopy of my credit report both online and by phone and still have not received a copy 

Company response: Company chooses not to provide a public response
Consumer complaint: Is constantly calling my employer and is calling me and threatened I will loose my job if I do n't pay 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have contacted the company for a copy of my credit report both by phone and online, I still have not received it 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been working on selling our home of 30 years since XXXX 2015, Unfortunately as everything I own seems to be worth less than what I owe. I am resorting to a short sale and even asked if we could do a deed in lieu of they said NO!!! we have the property listed with a very reputable realtor. we have submitted every document on the list ( even several times ) for the same doc. 
We have been waiting weeks for any kind of answer. When I call they say they dont need anything else but still will not move forward. This week we were notified that it was going to another new processor. Just to go on the bottom of someone else 's pile of to do stuff. Out of everybody My family and I have worked very hard to keep this home even thru hard times but we always pulled it out. We are the only ones loseing here. My idea was to sale this home later for our retirement next egg but they tell me the home needs to moany upgrades with nothing wrong with it?? go Figure, Please Please if you have anything that can help speed up the process that would be great!!!!! Thank You for your time. 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I received a notice from my mortgage servicer ( Shellpoint Mortgage Servicing ) that my mortgage was past due for the XXXX XXXX, 2015 payment. I promptly contacted them and faxed proof that my payment had cleared my bank account on XXXX XXXX, 2015 through electronic payment with a note indicating payment went to them. I have since spoken with XXXX representatives and XXXX manager and still can not get this matter resolved. I have been placed on hold for 15 minutes, disconnected twice, and have left numerous messages. On XXXX XXXX the manager, XXXX XXXX, indicated that they had verified my payment arrived in their bank account on XXXX XXXX, 2015 and they were trying to get it transferred to my loan account. I informed him that was very concerned about the late fees, interest accruals and credit reporting issues that come with this type of error. In fact as of XXXX XXXX, 2015 my account was showing as being 30 days late in their system and subject to credit bureau reporting. I have not heard back from anyone since XXXX XXXX, 2015 regarding a final resolution and would appreciate it if you could help. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I 've attempted to retrieve my Experian free annual report and the system indicates that I can not get a report. I do not understand why. I have not yet gotten a free annual disclosure and furthermore I am actually an Experian customer. I subscribe to their FICO score and report product, but this product does not show the full report with items such as soft inquiries. I wish to receive an online copy of my full report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am writing to complain that a very important and useful institution that I use may go out of business, and they say it is because the CFPB is interefering. For many years, Nationwide Biweekly Administration took my biweekly payments and transferred them to my mortgage company, which at one time was XXXX Mortgage. When XXXX Mortgage was not properly distributing my funds and I could not get them to respond to me, NBA aided me and the problem was resolved. XXXX has since gone of out business but NBA has been there all along to help. XXXX XXXX is from Ohio, as am I, and I supported him in his elections here, and worked with his own former staff when I was a XXXX at the XXXX XXXX XXXX of Ohio. I was very happy with his success in getting this position in the Obama administration, which I have also supported. However, I am very unhappy with this situation, NBA, located in XXXX, Ohio, has been a great help to people like me who which to have their loans serviced. This is a setback which I do not appreciate. Please consider what you have done in this regard and restore NBA 's ability to work for consumers like me. Thank you. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: We filed a complaint several months ago about our on going foreclosure with CitiMortgage. The issue has not been resolved. CitiMortgage fails to respond to any and all of our requests for a loan modification. They also do not disclose the property sale date to us at all, we always have to find out via the local paper. Also, we have reviewed the original loan documents have found a real problem with the appraisal they did on our home. We refinanced the loan we had with Citi for a lower interest rate, the appraisal was inflated by {$47000.00} in only a span of 9 months. We feel this is predatory as Citi signed off on the appraisal which was done by the same appraiser who appraised our home for the previous loan. We have attached the appraisals for your review. 

Company response: Company chooses not to provide a public response