AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I received a letter From Bank of AMerica XX/XX/XXXX that my heloc on my condo rental property was going to reset on XX/XX/XXXX. I called immediately to discuss my options. I am currently paying interest only and now they want to convert to a regular mortgage at {$700.00} more a month then I am currently paying. I am unable to pay this so I asked for a modification. I was told it was too soon to start the process. I kept calling and XX/XX/XXXX I was told that I could not do anything more than XXXX days in advance. I waited the XXXX days and called back to start the process. I am upside down between the value of the property and the XXXX mortgage and the equity loan. I was told I would have to apply for a regular mortgage and get a denial letter. I went to XXXX mortgage brokers and was told there are no programs for me and they would not issue a denial letter. I had Bank of America mortgage dept talk to the Bank of America modification department and they told my cust serv rep XXXX XXXX that it was nonsense and they would send them the denial letter. When I called back they told me they had no record of speaking to their own mortgage department.. I repeatedly had issue with this customer service rep. I asked for a supervisor and was told I could n't speak to one. I asked for a different rep and was told I could n't have one. I kept calling back to check on the status and I was told each phone call that some item was missing. I asked them to tell me everything they need and I would send it to them. I finally had to write a letter explaining that all my troubles and that I wanted this XXXX XXXX removed from my account. I received a call from someone else and they told me they wanted more information. I finally got to the bottom of this and they said they had all the info they needed and my information was in underwriting. That was XX/XX/XXXX. It took from XX/XX/XXXX to XX/XX/XXXX to get this far. I have called back twice to check on the status and was told they are still reviewing it. It is supposed to reset on XX/XX/XXXX. I am out of time. I do not want to have to default on this loan to get someone to help me. I was hit 3 months ago with a {$8500.00} assessment that also has to be paid. I do n't know what else to do. At this point if I can not get any modification or answers I will have no choice but to default. 

Company response: Company chooses not to provide a public response
Consumer complaint: Im in the process of doing a short sale on my house, to avoid foreclosure.I was given permission from the bank-Bank of America & lt ; to do so.I was told that any correspondence concerning foreclosure would cease, for Im trying & lt ; in good faith, to get the property sold.However, today, I received a notice that the house was to be sold at a sheriff 's sale XX/XX/XXXX.BOA did nothing to cease these notices ; but Im not surprised-Ive been dealing with incompantency & ignorance with BOA & Countrywide for literally years ( 5 years in bankrupcy because Countrywide charged illegal fees & the last almost 3 years trying to get this mortgage straightened out to no avail ) Im fed up & stressed out & am considering a lawsuit 

Company response: Company chooses not to provide a public response
Consumer complaint: bank of America sent me a promotional rate to use. I payed off my credit card with bank of America to take advantage of the new rate on the XXXX of XXXX they assured me I would have {$14.00} sent to my bank I called them XXXX of XXXX they assured me the funds were enroute. no money! I called today XXXX of XXXX they told me I had giving wrong acct info, expect deposit by XXXX of XXXX I ask them to ck there recordings of conversation they would not admit whose was at fault.senior in real hardship.help! 

Company response: Company chooses not to provide a public response
Consumer complaint: My home was started in a foreclosure process that was stopped by Wells Fargo Bank. # XXXX. Wells Fargo had been found guilty in The State of California for a loan called pick-a- payment which a ruling by The Department of Justice found unfair to persons who had this type of loan.After agreeing to stop all actions against me and my house being listed and sold by XXXX , XXXX , XXXX continued to damage me to the extent of my not being able to get a loan for a home or equity line with XXXX XXXX.My house was paid off in full and went through XXXX.The closing was on XXXX XXXX. Wells Fargo Bank @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX.Wells Fargo also never advised me of The agreement with The State of California. Now comes XXXX, XXXX, and XXXX giving foreclosure a new name. Attempted foreclosure well attempted is not foreclosed. 

Company response: Company chooses not to provide a public response
Consumer complaint: We went down that road before XX/XX/XXXX. CitiMortgage then placed a windstorm insurance onto my property, even though I had sufficient coverage. Only weeks after the first matter was finally corrected, or at least I thought it was, the same wrong accounting started again. Soon thereafter I received CitiMortgage 's threatening letters and automated phone calls. I took the time to communicate with the person on the other end of the phone line and have been assured several times that this matter had been solved. However, the problem still exists and the confusion about insurances CitiMortgage placed onto my property got even worse. I did have flood insurance with the XXXX XXXX but CitiMortgage appearantly tried to place additional insurances. When somebody recognized the error, I received a check for an overpay in escrow funds. In the meantime the wrong accounting started to place late fees onto my account because I did not submit the wrong amount and therefore their system, as explained to me by a processor, did not credit my account the amount I sent in. The amount I sent is exactly what the statement I attached called for. XX/XX/XXXX I talked to a supervisor who promised me personally that he would send me a detailed accounting statement. it never arrived and the wrong accounting escalated into it 's present stage. I can not get any response from CitiMortgage except automated phone calls and generic default packages. I sent a letter to CitiMortgage with the request to get a direct line to someone who had unlimited access to my account. Of course, no response. And that 's where we stand right now. It 's a shame how poorly business is conducted by a company of this size. XX/XX/XXXX I finally got a response from CitiMortgage but only after I contacted your agency. I would like to see the same outcome this time around and a detailed statement for my accountant to review. PS XXXX more cases similar to mine have been brought to my attention after sharing what happened to me. All in a small town. I wonder how many cases nationwide? 

Company response: Company chooses not to provide a public response
Consumer complaint: I did file complaint XXXX .Welles Fargo are not resolving the issues and instead they are not looking at the whole issues. 
Per their letter dated XXXX XXXX XXXX the line of Credit Balance for the account XXXX at the time when I sold the home was XXXX. And per their letter dated XXXX XXXX, XXXX the mortgage account # XXXX for the property located at XXXX XXXX XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XXXX XXXX, XXXX. 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home in XXXX and both account Balance were XXXX as of XXXX XXXX, XXXX at the time of sale. 
This inaccurate information needs to be corrected with credit BureauI did submit to you the HUD and Pay off proof dated back in XXXX. 
Please keep copy from this letter on my file. This letter will be faxed to you today XXXX XXXX, XXXX. 
I would like to resolve this issue ASAP 

Company response: Company chooses not to provide a public response
Consumer complaint: I had dealt with the issue on my credit report last year which was with XXXX. I had Lost my home into foreclosure in XXXX ; due to failed, XXXX. ( Which was all cause from an auto accident in XXXX ; a driver that was texting that hit me from behind! ) I 'm now on social security XXXX. I had to get the XXXX mortgage with XXXX, released before I was able to close on my home. So this was taken care of as of last year, closed XXXX XXXX, XXXX. I received in the mail a letter XXXX, from XXXX XXXX XXXX Acct. XXXX this letter in ref. to property, my old address. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX threatened to seize my assetts and garnish my wages, when I said a judge would allow payments life I was offering to make she said they 'd garnish and seize without it going to court. She said they 'd just take my income since they know where I work. She lied about calling XXXX I told her that has n't been my number for years, she said she 'd left a message. I told her I could prove it was n't my number for years. She told me they would n't agree to payments but we 're going to proceed in garnishing my wages 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Revenue Recovery Corporation attempted to change credit card amount they where not authorized to do. They changed my debit card XXXX which they where only authorized to do XXXX for a payment. This is an ongoing issue with different people I have talked to regarding this account. The company does not call you back to resolve an issue with the account and continue to lie about whether my wife or I authorized money to be taken out of our bank account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed the above file # XXXX ( 2 ) times in the last 60 days. The pay status is showing account 60 days past due, also shows 60 days late XX/XX/2015 and 30 days late XX/XX/2015. This account was paid on time and paid off. Each dispute Trans Union responded back to me Investigated and no change. Well the creditor ( XXXX XXXX XXXX XXXX ) sent me these 2 letters with apoligies and a {$25.00} gift card for the trouble and they instructed Trans Union to correct the account pay status as Paid/Closed and payment history XXXX XXXX and XXXX See attached documents. Trans Union has refused, and still reports false information. 

Company response: Company chooses not to provide a public response
Consumer complaint: Applied for a student loan through Salle Mae in XXXX of this year. Website needed a copy of the borrower 's social security card which was lost. Called Salle Mae to discuss & was told to apply for a new social security card & that the loan only took a day to process so everything should be okay. Social Security send the card to the wrong address ( which is not Salle Mae 's fault ). The loan was delayed due to this issue. But when the card was uploaded they took longer than the 3-5 days the site said it would take to approve. On the 6th day I called them again. I was told they needed a clear copy. I was looking at the copy of the card & told them they had it. The person did find it then transfered me. I was transferred XXXX times and was told everytime they needed a copy. Told all of them they had it and then eventually was told that the loan was approved. The disbursement did not happen when they said it would. I am now getting nasty calls from the school. When I try to look up the loan with XXXX XXXX on-line there is no record of it. I call again and the employee had difficulty in finding the loan. She eventually did and told me it was disbursed today, XX/XX/2015, but did n't tell me how. I had another message from the school, so I called again and was told it was sent by check. They failed to tell me that after the loan is processed it takes 10 days to disburse. They are passed the 10 days. I now have an additional {$130.00} fee due to the lateness. The school is XXXX University in XXXX, MI. I am the co-signer for my daughter and work at a financial institution. I am beyond fustrated with the whole thing. My credit union would never stay in business if we conducted ourselves like that. All of this before the loan is even disbursed. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I 'm enlisted in the XXXX XXXX stationed onboard the XXXX XXXX XXXX, XXXX XXXX which is in the shipyard at XXXX XXXX XXXX. XXXX 2014 I got a preapproved loan thru XXXX XXXX XXXX XXXX. I went to XXXX XXXX in XXXX Va. The dealership told me they could get me a loan elsewhere allowing me to buy the car I really wanted which was higher than my loan approval. I was approved through SNAAC, the dealership had me set up the payments as an allotment at the time of purchase. My command took me back to the dealership & the car was returned at no cost. I got a better deal elsewhere, however I did n't stop the allotment going to SNAAC. When I realized last month that I was always broke I went to XXXX to see about getting the money back from SNAAC, I stopped the allotment on XXXX. I spoke with XXXX on XXXX XXXX at XXXX and he assured me they would return my money to me, over {$3000.00}. I have not received my money from them as of this morning. 

Company response: Company chooses not to provide a public response
Consumer complaint: A little background to the story, I 'm an out of state XXXX student. I get a scholarship to study here & the tuition takes couple months to come in to my account. I 'm not working due to the fact that I 'm a full time plus more student. My mother is a single mother, trying to provide both me & my XXXX year old younger brother. It 's very hard especially during this time of the year, when I have to constantly ask my mother for money for food & material/supplies I need for upcoming/ongoing projects ( materials can be pretty expensive! ). Recently, Wells Fargo charged me {$35.00} XXXX on a purchase I had made at XXXX XXXX on a Thursday and money was put in the following day. Throughout the whole weekend, I constantly checked my bank account to make sure I did n't have an insufficient fund & I was doing completely fine. However, just today which is Monday, I checked my account to see that they charged me {$70.00} total for the transactions. I put in money into my account right after and called in to see if they can reimburse the fees but they coldheartedly declined my request and said that there was nothing they can do to help me. I do n't understand how any kind of banking service would be this rude and disrespectful. The charges were n't my fault, but still they refuse to believe that the fault is their system. I 've been a Wells Fargo customer for good 5 years, and yet they still have yet to respect me as a customer & help me out with the slightest thing like an reimbursement. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America ... .AGAIN In XX/XX/XXXX they told me that they did n't receive my XX/XX/XXXX mortgage payment .... even though I had Proof that they cashed my check.They had me send in my bank statements to Prove I had paid them. Then the customer service rep said she could n't see the balance in my bank account so they could n't honor the payment until there was proof. After going back and forth with them and contacting a few Federal agencies. they FOUND my payment. they applied it to another account that was n't mine. Then they write me a letter in XX/XX/XXXX telling me not to pay for XX/XX/XXXX because they SOLD my loan to another servicer then around XXXX XXXX I receive a letter of them telling me they did NOT sell my load and to pay them. My new payment was suppose to be around XXXX a month because I got a lower insurance company. So I sent a check for {$2200.00}, then I just get another letter from them telling me Im LATE for my XX/XX/XXXX payment and I own another {$180.00} and I have UNAPPLIED Funds. I need a Federal agency to do a full investigation into them and their treatment of my loan servicing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had home located at # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold XXXX. Mortgage was paid off and the line of Credit ( # XXXX ) balance at the home at the time of sale on XX/XX/XXXX was XXXX as indicated in the letter attached issued by XXXX XXXX Bank the mortgage account # XXXX for the property located at XXXX Hidden XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XX/XX/XXXX 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home XX/XX/XXXX and both account Balance were XXXX as of XX/XX/XXXX at the time of sale. 
This inaccurate information needs to be correctedI did submit to you the HUD and Pay off proof dated back XX/XX/XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: My bank XXXX, via web pay bill, paid my mortgage to Wells Fargo on XXXX XXXX 2015. For over a year Wells Fargo had received payments via this method and applied the funds to my mortgage. This time Wells Fargo did not apply the funds to my mortgage but instead somehow misplaced and lost the payment. It took nearly 5 weeks for Wells Fargo to locate and return the money. Meanwhile I had to pay my mortgage again as to not be late on my payments. Wells Fargo refused to pay any interest on the money they held and did not compensate me for the over drafts on my account due to having to pay my mortgage XXXX in one month. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX my debit card would not work at the atm machine. I went inside the branch and told the teller. she did the transaction for me. later that day I found out a check had not cleared so I rush back to the atm before XXXX to deposit the money back except the card would not work. there were another deposit made in the account that was placed into pending although it was cash. The check was paid and I was charge {$35.00}. the issue is the bank was to investigate the matter in XXXX and get back with me, never a letter nor a phone call not even a message. I went to the branch yesterday to see what was going on and I got such unprofessional response from the employees and lies and they stated the bank does not send customers replies to dispute because it is a personal thing that they do so they do not, yet they tell me this employee had tried several times to call me and yet I never received a call or a voice mail, not even a e-mail from this branch. the bank manager was talking to the man employee and when he walked out I asked to speak to her, would you believe she effused to speak to me and she was sitting right there in her office looking directly in my face which she then moved her chair over to the other side so I could not see her and there were no one in her office with her. That employee that was to type up the paper work for the investigation did not know what she was doing and she said so, other people was coming in to help her and because I had been in her office a long time waiting for her my XXXX small grand children got very antsy, so now you know I am getting a little frustrated because every office person should know how to quickly get a customer request resolved, except this one did not. to wait two months for a banking resolution is ridiculous and this type of behavior should not be tolerated from no employer. all your office personnel needs to be terminated and all your bank tellers should be running the bank and then find all new tellers, because they are the ones with class and professionalism. this group at the XXXX GEORGIA NEEDS TO GET THEIR TRAINING FROM THE XXXX, GEORGIA BRANCH ON HIGHWAY XXXX BECAUSE THEY ARE THE TOP WHEN IT COMES TO CUSTOMER SERVICE AND THEIR NEEDS. MORE SO THEY ARE HONEST IN GETTING THE JOB DONE AND KEEPING A VERY GOOD REPUTATION FOR THEIR EMPLOYER. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am getting repeated phone calls from this number with no message left and no ID 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Experian has my XXXX XXXX account listed as closed. Its open and paid on timeattached is a copy of report and card information 

Company response: Company chooses not to provide a public response
Consumer complaint: I did join the gym. I took out a membership. I stopped going to the gym due to a racist employee working. I pay my bill just as any one else would. I agreed to pay the cancel fee and all. But the manager never would call me or face me face to face. The only person I ever seen was the rude employee. I left # serval times and called no one ever called me back. Now I call to this day and I 'm informed they ca n't take this off my credit and they apologize bc they are the new owners and that was XXXX their time.I ca n't help the manger never called. They was n't ever in the building and I 'm not going any place that I do n't feel welcomed.I paid my bill and always went. I just wanted to be treated with respect which I did n't get. This should n't have ever got reported to my credit. I agreed to pay cancel fee the manger needs to man up and call me or talk face to face. I 'm not the only XXXX in this situation. And it 's sad a manager ca n't call a member personal and talk on XXXX and solve the issue. No wonder why they had to find new Owner 's. Now the new ownersowners claim its nothing to do with them it was XXXX their time to take it up with collectors that they would agree to take it off my credit but they did n't know how to go about doing it. Do I need to get a attorney to help me get this removed?????? 

Company response: Company chooses not to provide a public response
Consumer complaint: I can create e-mailable attachments for all I represent below : I received an offer from Citibank regarding a balance transfer offer. There are XXXX sheets, a promotional page designed to encourage me to take the offer and another page which are balance transfer checks with a bridging perforated piece of the sheet to tear them out from, and on that page there is a different fee than on the biggest print letters in the top portion of the first page. 

The particulars are this : A fixed date in XXXX 2017 the offer reverts [ thus, the longer I am made to wait for a response, the incrementally less the offer is worth pursuing ] for 0 % for the life of the transfer for an up-front fee. On the largest font print on the top of the form in a distinctive color it says the standard fee is 3 %. On the fine print part of the XXXX page the rate says that for this offer the rate is 4 %. 
I have received these offers for months with different particulars ; however the immediately previous offer in fact was for the standard 3 % rate and that part of each offer page is identical in all cases. [ I receive these roughly monthly and so does my wife ; I have to believe thousands of others do as well. ] I pointed the discrepancy out to a Citi customer service phone center supervisor, who agreed with me in principle that I deserved the 3 % rate, but I needed to FAX the forms in so they could review it ; I complied, and was told I would get a snail-mail response, which I did. It is merely a likely form letter that just states the offer is 3 % and really does n't address the issue of the unreconcilable statements on the XXXX pages in each mailing. 

Thus, I have physical documentation of their position, and my position is that this is false advertising. Thus, I am here writing to you for help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Lender sent me a contract saying first payment due on XXXX XXXX, 2015 for {$72.00} but on XX/XX/XXXX2015 they took {$83.00} from my bank account they said I owed from a prior loan that 's not true loan was merged with new loan new loan new contract. Loan # XXXX been paying on loan for over a year, now they calling harassing my reference everyday. 

Company response: Company believes it acted appropriately as authorized by contract or law