AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We were going on two months behind on our mortgage with Bank of America. I had lost my job because of downsizing. I had taken out a student loan and gone to school to learn a new profession, but everyone wanted at least two years experience and I had about six months. It was difficult since I was older and the job market was flooded at that time for my profession with a lot of young girls who may be faster or have more experience. Everybody was getting modifications at that time, so we thought we should try for one. We always paid the late fee with our payment if we were past the due date, but Bank of America would return the late fee saying it was n't enough for the next payment. When we went for the modification we were told it would help us get it if we were three months behind. So we did as told and got a " modification '' that was more than {$200.00}. more than the payment we had!! We refused that and by then more behind, asked if we paid up to date if we could just go back to the original payment. They said yes, so my husband got a loan from his retirement fund, we paid that, and for about three months everything was okay. Then they started billing us for the modification amount saying they had to have an escrow account to pay for taxes and insurance, which we never had included before. We always made payments on our insurance and saved for taxes and did not have to worry about paying so much every month They did not tell us if we applied for a modification the escrow was a requirement. Then I had to have XXXX, and XXXX among other medical problems and payments were impossible for us. Bank of America would not take any money except all that was due. So we ended up more behind, then the mortgage went to XXXX and they could not give us a modification with the information they had and more charges were added until we ended up currently being foreclosed with a sale date before the end of this month, we have nowhere to go since we have quite a few pets. We rescued a few and took a couple from loved ones who passed on. I also was just diagnosed with XXXX XXXX and will be having XXXX in about ten days. I am stressed to the max and blame Bank of America for not being honest with their information in the first place, and of course the person we applied for the modification with, no longer works there. I have stacks of notes from calls I made trying to work things out and the person who was in charge of our account kept changing about every month. It has been a very bad situation from the beginning. Our credit has been ruined which also affects our getting someplace to live. I am on XXXX and my husband had to retire from his job because of his age. 

Company response: Company chooses not to provide a public response
Consumer complaint: Approximately 2 years ago I contacted XXXX XXXX XXXX ( XXXX ) to settle XXXX large debts I had with a couple of credit card companies. We arranged an amount of money to be drafted to them once a month - and when there were enough funds they would negotiate a settlement with the companies. Everything was fine with XXXX of the companies - a settlement was reached in XXXX XXXX. The other - Bank of America ( FIA card services as it was then XXXX ) - was a different matter. I waited another year and when I thought I had enough funds in my account began to call them about the other settlement. It was then I found out that they used a different company - XXXX XXXX XXXX - to negotiate the settlement ( although XXXX held my money ). I was given a gentleman called XXXX XXXX at XXXX as my negotiator. From then on - despite numerous telephone calls and emails from me, nothing was done, even though they continued to deduct my monthly payment. It was not until recently ( XXXX XXXX, XXXX ) that XXXX ( XXXX ) admitted that since XXXX they were no longer authorized to negotiate with B of A, and he suggested that I call them and try to negotiate a settlement. I explained that if that had been my intent in the XXXX place, why would I have needed them at all. I expressed my desire to have all my funds returned to me immediately, and I would try to deal with it myself. That is when I was also told that they did n't have my funds - XXXX did. I contacted XXXX by email and telephone, however, the " Customer Service Reps '' were extremely rude - talking over me as I tried to explain my problem and even hanging up on me! I finally managed to contact a supervisor ( XXXX ) who was very helpful and returned my funds ( {$7500.00} ), but I felt I was owed more than that given the length of time it had taken for this to happen ( a year and a half ), the amount of time and energy I had invested in getting to the truth, the fact that they did not put the money in some sort of interest bearing account, the appalling behavior of the customer service reps at both companies and the continual misinformation I was given. And I STILL have not resolved my debt to B of A. Please help! 

Company response: Company chooses not to provide a public response
Consumer complaint: We had a Bank of America home equity loan protection plan, that they cancelled without offering anything to fall back on. How can the bank we have our mortgage and home equity loan through, just cancel it without helping the customer 's find another protection plan, or other alternative. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank Of America withdrew funds from my account without my knowledge or authorization. They claimed I owed XXXX on a reposessed RV, I disputed the debt XX/XX/XXXX. Bank of America did not provide written verification of the debt. Instead Bank of America made an unauthorized withdrawal of XXXX on XX/XX/2015. I am enclosing documents to show the dispute, unauthorized withdrawal and letter from my attorney.
Company response: Company chooses not to provide a public response
Consumer complaint: I just recently learned about the program initiated by President Obama in XX/XX/XXXX trying to rectify unfair mortgage practices against XXXX members and veterans beginning during the XXXX recession. After retiring from the XXXX XXXX in XXXX, I was employed here in Ohio until XXXX XXXX. Eventually, I/we were foreclosed upon by Countrywide Lending after attempting everything legal that I was aware of having available. This wound up costing us & gt ; {$43000.00} in equity alone. All I ever received from the XXXX settlements were XXXX checks totaling less than {$800.00}. If the program talked about in this news article is still functioning, how do I go about having my case submitted to, and reviewed by the appropriate people? XXXXXXXXThank you in advance for your time and assistance. 

Respectfully, 

Company response: Company chooses not to provide a public response
Consumer complaint: They are calling my home and cell repeatedly at all hours insisting that I pay {$200.00} plus dollars more than I owe for processing fees, when I offered to pay what I had and thought that I owed, they refused to take my payment and continued to call multiple times a day. My husband tried to make a payment plan and they again refused to take partial payment insisting on more than we could afford, even though I explained that my husband had suffered a XXXX XXXX and is now a XXXX XXXX veteran and we are trying to recover financially. They call my home and XXXX of our cells repeatedly. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had misplaced/lost my citi credit card and promptly reported this ( online to block the account ) and called the customer service on XXXX XXXX, 2015. I was informed that I would be receiving a new card in XXXX days. In addition, was given some bull about the card, which I know for a fact to be untrue. On pressing for additional details, the agent clammed up. 
I called back on XXXX XXXX to inquire about the status. The rep ordered an additional card ( which I did not ask for, all I wanted to know was the status ). 
Been 14 days since the XXXX report ( call ) and 7 days since the XXXX and no card yet. Called again today, XXXX XXXX and was asked by the rep if I would like to close my account. 
Been a citibank customer for over 7 years and this is the XXXX time that I 've faced such an issue with the card not being sent out and jerked around by the call center reps. 
It 's getting increasingly difficult to deal with call center employees who do not understand/care, do not give a straightforward answer and cause additional hassle, after getting through the IVR and waiting on queue to speak to a human being with the expectation that the problem will be solved. 

Company response: Company chooses not to provide a public response
Consumer complaint: I started a loan modification with XXXX XXXX in 2011 which was supposed to combine a XXXX & XXXX. I was making payment under a trial period until they qualified me for the modification. XXXX months into the process they sold the loan to XXXX after 9 month of making payments which never reduced my principle balance and also they reported me late during the time I was making the agreed payments. SLS service called me and said they were starting foreclosure because I had n't made a payment in 9 months. I hired an attorney and all they agreed to do was start another modification. I agreed because I was afraid of losing my home.I was told I 'd only have XXXX mortgage so I assumed when XXXX sold the serving it included both the XXXX and XXXX because they were differing XXXX of the {$26000.00} I owed on the XXXX. Now the loan has been transferred once again to SPS and they are stating the deferred amount is {$24000.00} which is {$10000.00} more than I agreed to in the signed loan modification agreement with XXXX. My rate is 7 % so I 'm trying to refinance my loan with a lender I know. I 've been told I have XXXX liens against my property and XXXX of them was a XXXX from XXXX. I requested my note from SPS over 45 days ago and they still have n't provided it. XXXX reported to the credit bureaus ' that the original XXXX was paid and closed that is why I thought it was transfer to SLS and was the deferred portion of my current payoff. How can they do this? Say it 's paid and closed and refuse to provide me with a lien release. They are holding me hostage so I 'm not able to refinance to a lower rate. My complaint involves XXXX companies XXXX ( original lender ), XXXX ( XXXX servicer of my loan and loan modification provider ), SPS ( current servicer of my note which they have refused to provide in a timely manner and have added XXXX to the deferred portion of my payoff, which was not supposed to collect interest. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The loan is through Wells Fargo. I am the co-signer. My son has been under employed or unemployed for nearly 3 years. As the co-signer, I am keeping the loan current. However, I have asked Wells numerous times to send me a billing, allow me access via on line or something so that I know what is due and when. They say I need to have the primary account holder change the address or take other steps. They acknowledge that my obligation is not activated until it is past due. However, they call me when the account goes 10 or 14 days past due and then hit me with a $ XXXX {$30.00} late fee. It seems unfair that due to their system limitations and/or unwillingness to get me timely information, I get stuck with a late fee. They also have informed me that as of the end of every month they report to credit agencies. Based on that information, that means they are regularly showing a negative impact of my credit rating. I am the only thing standing between Wells Fargo and a charge off yet I get negative comments on my credit report and hit with late fees. Does this seem reasonable? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been disputing information for 6mths or more and cant get correct updated information. I have submitted documentation to support the investigation. yet it opens another dispute. XXXX XXXX account should be removed from all XXXX bureaus. in addition to XXXX should also be removed from credit report. I have accounts that where settled and close that are reporting open and due. I have an XXXX account the went to collections that has since been rectified by att that I have to wait to have it removed, 

Company response: Company chooses not to provide a public response
Consumer complaint: The collector from Kinum threatened to hire and attorney, and would not let me speak. He did not notify me of my right to dispute the debt, and would not let me talk to tell him I do not think I owe this debt. He yelled at me and screamed, refusing to let me talk. He called me at XXXX as well. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a refinance with Bank Of America, after taking my XXXX Dollar Fee things went down hill from there. I was asked to fax or send by E-mail XXXX documents which I did. I was told the Loan was approved and would be closing soon. After not hearing anything for some time I called and was told the application was closed due to lack of information. I was given a list of information to send which I did several times. I believe Bank Of America is simply collecting Fee 's and stopping all contact in the Loan process. I cant believe the number of Complaints this Bank has against it, almost word by word for XXXX Customers. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America ( XXXX ) will not close the claim from 2012, they have also duplicated the claim which is causing me not to be able to get home owners insurance anywhere else at an affordable price. I have spoke to numerous of agents with XXXX and told that it has been taken care of and when I try to get insurance from another carrier the claim information from 2012 is still showing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I lost my job in XXXX. My mortgage payment was {$980.00}. I went through all of my IRA and XXXX to keep up with my bills. I worked XXXX different temporary jobs for 2 years. Then I got a permanent part time position with less pay in XXXX that led to full time in XXXX XXXX. My mortgage is with Bank of America. I went through XXXX for a while and then went through XXXX. XXXX had my payments at {$470.00}. While I was making these payments, BOA listed me in foreclosure for 2 weeks. I was trying to work with Bank of America to get a loan modification. I went to the XXXX meeting in XXXX in XXXX XXXX to hopefully get a solution that day. BOA told me I was in underwriting for a loan modification, so they said nothing I or they could do. Few days later I received the loan modification paperwork. 
New payment {$1000.00}. I make XXXX an hour, have XXXX dependents, get child support for XXXX, and that ends in 1 year. I want to keep my house but there is no way I can afford this. I dont understand why Bank of America would tell me one thing, XXXX would tell me something different. 

Company response: Company chooses not to provide a public response
Consumer complaint: USAA staff advised us on XXXX, in XXXX separate phone calls, that USAA is now permitting all fraud activity on their members ' cards to be handled by a fully automated system. USAA further advised us that this system is completely autonomous and there is no human oversight or control. Therefore members ' cards will be subject to hold and suspension with no known cause or effect. This will cripple business and personal activity of those members who can now not rely on the availability of the credit and purchasing power given to them under the card members contract with USAA. 

This violates the following : USAA card member agreementState lawFederal lawTruth in lending lawFederal law governing internet and on line treansactions Personal civil rightsWe require USAA immediately reinstate a manual control over their fraud alert issues of all card members accounts before serious retribution and/or risk to USAA employees and public safety that could result in loss of life is reached. 

Under this current situation we have been forced to suspend all state to state travel as we can no longer depend on our credit cards being accepted at all locations we use for purchases to conduct our day to day business. As USAA can not know when, or for how long, or for what reason, alleged fraud activity by their automated system would shut our cards down ; we are forced to suspend operations. We can not jeopardize our staff, volunteers, or clients to the risk of an ambiguous automated system that would result in our staff, volunteers, or clients being held hostage by an out of control automated system. USAA 's unwillingness to correct this matter and provide proof of cause and effect is a form of extortion and could be considered an act of terrorism against us - a religious based operation. 

XXXX XXXX, Va. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They keep calling me everyday even weekends and leaving me messages to call them back. Call them back they have automated systems 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I sent certified mail to Continental Finance XXXX, they signed for the mail. They elected not to respond. I went above my legal obligations in an effort to resole my concerns and to have the bank update there records. I emailed the vice president of customer service, she explained that they never got any correspondence from me. I explained I had the signature card. She explained it was my responsibility to send her a copy of said signature card. I reminded her it was not. She said she tried in good faith to respond. I then explained an example of good faith would be responding to mail they signed for. She disagreed and refused to remove said inquire and or provide proof I agreed to this company accessing my credit reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call from a ladys starting she is a attorney representing XXXX XXXX, and that she is needing my Checking/Routing numbers saying that she needs to take money from a checking account. She then started I could continue to make my agree 'd payments of {$50.00} for 3 more months, and that I would have to pay {$100.00} payments after that. She then threatened to take my license, or have it suspended if I did not start making {$100.00} payments. 

They are using illegal practices for collection as started in the Fair Debt Collection Practices Act 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I contracted with XXXX XXXX XXXX in XXXX, XXXX to conduct my move from XXXX to XXXX, XXXX. I paid for the entire move, over {$8000.00} on a Merrill Lynch, XXXX card which is owned by Bank of America. 
My move went horribly by the mover. XXXX split my shipment in to XXXX-differen shipments, with the second shipment arriving 19-days after the first. Many needed household items were missing from the XXXX shipment, in which we had to go out and purchase replacement items. 
I submitted to Merrill Lynch credit card to hold {$500.00} from payment, since XXXX was unresponsive to my requests. Merrill Lynch waited over 30-days and stated that company was entitled to payment, even though moving company did not live up to its contract. 

Company response: Company chooses not to provide a public response
Consumer complaint: Collection bureau failed to provide 30-day notice at commencement of their attempts to collect. I disputed the debt, which has been erroneously attributed to me, and the collection agency has attempted to collect the same amount from multiple parties, which, if successful, would be unlawful. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: RE : CitiBank issued Home Depot charge card/s. [ Unauthorized ] deferred interest payment on purchases over XXXX. I was not made aware nor did I approve " Deferred Interest '' purchase at time of purchases. I neither made aware or given a choice to purchase these : NO INT FOR XXXX MOS - PMT REQ XX/XX/XXXX {$720.00} {$0.00} {$720.00} XX/XX/XXXX NO INT FOR XXXX MOS - PMT REQ XX/XX/XXXX {$550.00} {$0.00} {$550.00} XX/XX/XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was a customer of XXXX from XX/XX/XXXX until XX/XX/XXXX and had never been late or missed a payment. The original contract expired after a few years so I had no obligation to continue the service. In XX/XX/XXXX I notified and cancelled XXXX and switched to another provider. XXXX claimed I owed a {$150.00} cancellation fee but I had never signed a contract extension. XXXX said I automatically took an open contract when I accepted a newer piece of equipment they offered [ unsolicited by me ]. I do not remember being informed a new contract was involved. My credit history is clean except for this erroneous claim and I am not paying what I do n't owe. Companies should be required to get a new signature accepting a new or extended contract before they can enact that new or extended contact, i.e., no automatic opt in but instead, a clear customer choice to do so or not. My Experian credit report went from XXXX on XXXX to XXXX on XXXX because an agency hired by XXXX issued a past due account of {$150.00} [ as of XXXX ] after I did n't accept their settlement offer of {$77.00}. I would appreciate the CFPB making an effort to require companies to be more upfront with customers in situations like changing contract obligations. Thanks for reviewing this complaint. 
XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The company continues to call me and leave messages. When I answer it 's only a recording of very unspecific nature trying to get me to call them. I have excellent credit and nothing outstanding on my credit report so I know they are not trying to collect a debt from me. At this point I feel like it is harassment. Several calls a day is too much and answering their calls does nothing because there is no person to talk to just a recording. I am not going to call some number and take the risk of having to pay international fees like so many scams out there. I need to be removed from their call list. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I went to www.XXXX.com and filled out the online form. But I did n't receive a report from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015 I requested an annual credit report from Experian, XXXX, and XXXX. To this day I have not received a report. I would like to know the next step to take 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested the Bank of America to close my account as I am living these days in XXXX for the past 4 years. I used to get my XXXX benefits directly from XXXX, but due to this bank charging a fee and several ATM charges abroad in XXXX by the XXXX banks which will only dispense XXXX or nearly {$150.00} per transaction, I decided to close the account but the Bank though initially agreed to waive the fee for XXXX XXXX their bank statement dated XXXX, continued to start again charge me the very next day {$12.00} and refused to refund the money. In the meantime another small pension from XXXX in the sum of {$37.00} was credited to my above bank account, but the Bank of America will neither wire transfer the balance which is less than $ XXXX or send a cheque to my address abroad in XXXX. The customer care reps. have a nasty attitude and was adopting a dog in the manger policy. I want my money back and close the account. My discussions with them was quite unsatisfactory. 

Company response: Company chooses not to provide a public response