AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had a fraudulent charge XXXX for {$240.00} XX/XX/XXXX. I reported the charge to Bank of America XX/XX/XXXX. They issued a credit for {$240.00} XX/XX/XXXX and {$240.00} plus {$10.00} as interest adjustment on XX/XX/XXXX. They mailed me a check for this credit which i deposited XX/XX/XXXXXXXX issued a credit for {$240.00} on XXXX/XXXX/15 to the card that had been closed. Bank of America caught their error and put a charge of {$240.00} on my account. The first fraud manager, XXXX, to whom I spoke found the credit XXXX, turned it into a debit and had me owing {$490.00}. Since she never returned my call as she said she would do, I called back and got XXXX. He at least fixed the credit to debit error. I now owe {$240.00}. I 've already paid for the fraudulent charge. Bank of America issued a credit. XXXX issued a credit. Right now I owe Bank of America {$240.00}. So if they get their way, I will have ended up paying for the fraudulent charge twice instead of receiving a fraud reimbursement from Bank of America and the charge back XXXX, which I pursued and obtained on my own. 

Company response: Company chooses not to provide a public response
Consumer complaint: ServiSolutions, the mortgage servicing department of the Alabama Housing Finance Authority, wrongfully foreclosed on homeowner XXXX home located at XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. ServiSolutions failed to timely renew the homeowner 's insurance, then forced-placed more expensive insurance, and then failed to mitigate unnecessary foreclosure by failing to work with homeowner to apply for loss mitigation. Homeowner is XXXX and lived in his home with his XXXX son. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a home equity loan from XXXX XXXX XXXX that was forgiven due to the lawsuit from the Department of Justice. I had applied for a business loan and got denied because my credit score went down XXXX points because my loan is reporting unpaid, past due of XXXX, and a balance of XXXX. I sent XXXX letters to all the credit bureaus and both times, they sent a letter back stating the account is correct and will remain on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear XXXX XXXX, I am reaching out to you in hopes that you will hear my concerns, provide me with some assistance or direct me in the right direction. 

Recently, I completed a pre-qualifying mortgage application XXXX. I used the company 's in-house mortgage broker DHI XXXX, which is a subsidiary XXXX. The amount I requested to finance was in the sum of {$210.00} dollars. After a review of my credit, I was told I did not qualify for any of the FHA Home Advantage Programs, which would provide downpayment assistance, closing costs and credits towards mortgage insurance. I was told by DHI Mortgage that my income debt to ratio was to high, specifically with regards to my student loan debt. 

I have a credit score between XXXX and XXXX depending on the credit reporting agency that is reporting. In 26 years, I have never missed a payment or have had a delinquency reported XXXX. My credit history clearly demonstrates that I am credit worthy individual. 

The following is some background information. When my credit file was reviewed by DHI Mortgage XXXX my student loan payment was reporting {$1200.00} dollars a month, which was totally inaccurate. My payment will NEVER be calculated anywhere close to that amount being a teacher in a public school system. I contacted my loan servicer and the payment was recalculated at {$330.00}, which is 15 percent of maximum amount of discretionary income. The payment will be adjusted again in XXXX 2015 under new provisions to the Health Care and Education Reconciliation Act ( HCERA ). The new adjusted monthly payment will be approximately {$230.00} dollars, which falls under the maximum limit set fourth by HCERA of 10 percent of discretionary income. Furthermore, I am a public servant who is enrolled in the XXXX Loan Forgiveness program. After XXXX qualifying payments my federal student loans will be discharged. Is any of this information factored in? 

None of this makes any sense to me. My current apartment lease cost me {$1600.00} + a month. Now, had I meet the " guidelines '' according to DHI Mortgage my monthly mortgage payment would have been {$1200.00} dollars. This would have included taxes, mortgage insurance and homeowner association fees. 

Something is very wrong here. My goal is to get a better understanding. I am very concerned about how my credit information was evaluated for programs under the Washington State XXXX and the Federal Government. I have included a couple of links below for reference points as well as XXXX attachments. 


https : XXXX : XXXX : //www.forgetstudentloandebt.com/student-loan-relief-programs/federal-student-loan-relief/federal-forgiveness-programs/president-obamas-student-loan-forgiveness-program/I appreciate you taking the time to review my concerns. 


Respectfully, XXXX XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XX/XX/XXXX I disputed information on a Bank of America Home Loans account that had been sold to XXXX Bank XX/XX/XXXX. The reason for the dispute was because the Bank of America account still had a status of " Open '' even though the account was sold four years earlier. Prior to creating the dispute with XXXX there had been no missed payments on this account as payments were being DEFERRED for 10 years from the initiation of the loan. XX/XX/XXXX the investigation was completed and correctly changed the status of the account to " Closed ''. However, XXXX now shows that I was delinquent on this account for over 120 days. I have asked XXXX to dispute with Bank of America multiple times but you ( Bank of America ) insist that I was delinquent on this account. 

I have sent letters to XXXX and Bank of America with the above and I still have n't got a response from Bank of America. I received a response from XXXX stating that the negative information on my account is factual. 
I have called Bank of America and state they ca n't provide me account access to my previous XXXX that I had because the account is no longer open. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid my bill on Time. They State that i was late on my bill. So they put inaccurate information on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a very good customer to Barclay 's Card for a year and two months. The credit card company has not provided me with good service regarding a charge to the card which inevitably caused me to have to pay in excess of {$190.00}. Without any service for my protection in these types of disputes, I ended the relationship with the credit card company. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was issued a pre-approved credit limit with Country Door at first through the mail attached to their catalog. When I went to use the store credit, They used VA medical bills on my credit report to determined my credit limit that the VA is responsible to pay, not me, and denied me credit all together. Thus, they discriminated against me as a XXXX Veteran. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed a debt the debt collect witch represent themselves as law firm is in the business of collecting debts. I disputed the validity of the debt and requested specific information to validate the debt. I provided proof of why I disputed the debt and questioned the financial charge they were attempting to collect and asked the collector to validate the debt. I sent my request in writing and return receipt. Proof of that mailing I also requested the collector after XXXX XXXX, 2015 only communicate with my attorney. Provided contact information in that letter of my attorney. As of the filing of this complaint I have receive to demands for payment directly. The letters are carefully crafted to give impression that legal action will be taken but the debt has not been personally review by an attorney. The letterhead represents themselves as attorneys. 

These demands for payment states that I also failed to respond to request for information this is also a false statement. 

I have include copies of both mailing from the collector and my responses to the original claim of the debt. I had to mail them twice be there was refusal to accept my original and it was returned to me. 

I have included scanned copies of the returned mailing both of my letters. This firm has violated the act by communicating directly with after I specifically request them to address there responses to my attorney. 

If you will provide me with an email address or other process to send you copies of following:1 USPS returned receipts2. Copies of USPS receipts that have deliverary tracking numbers3. additional copies of letters sent to collector4. Copies of letters received from collector after my letters requesting they only contact my attorney5. Copies of my letter to my attorney that I requested them to be contacted. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Experian reports a closed, unknown account XXXX XXXX based from XXXX as a charge-off every month ; effectively re-aging the account as new, every month. I live in XXXX. I disputed the accuracy of the XXXX wireless account and it still is reported charge off every month! 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a Home Depot credit card for years with a high creditlimit and never fell behind, always made more the minimumdue and all of a sudden without warning I got a letter froma collection agency saying my card was shut off accountclosed and I owed my balance asap or it was gon na ruin mycredit. So while I was talking to the people I asked them whythis happen what have I done ive been a perfect customerand could n't tell me. So right then they said if you pay thisamount they will wipe it clean so I did exactly that.. Thereceived what they asked for within 5 days. so I calledhome depot I honestly was very devasted and could n't understastand what happened. So I called and called finally reachedsomeone back at the collection agency because home depotwould n't talk to me that because a user on my card XXXX who has never used my card or had possession ofa card filed bankruptcy, which he did n't fall through with hehad to do it over a short sale because the mortgage companywas being a jerk even though we had a signed short salecontract for more then what was owed to XXXX theywere being jerks ... So I feel that it is n't right that this happenedI did nothing wrong and his bankruptcy which can be lookedup was never followed up with we had to do it cuz alawyer told him too ... So please look over and help me out..Ido n't see why it should be bad on my credit report. I wouldhave taken his name off hes never used my card ever! Theycan check theres XXXX different numbers on the cards ... 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America has reordered my transactions, from those processing first, to processing a larger amount which came in last, so that I incur XXXX {$35.00} overdraft fees instead of XXXX. This unfortunately is not the first time this has happened. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion has let unverifiable information back to my report 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had an account with Macy 's since XX/XX/XXXX. I retired XX/XX/XXXX at which time I contacted all of my creditors andexplained my due would have to change. I was told it wastaken care of. I have not used the card a lot, but what I haveUsed it, I have made monthly payments. I noticed last monthI could not access my account. Not thinking anything about itI made a payment, but when it happened again, I contacted Macy'slast night. I was transferred twice and was on hold for 30 minuteswith no answer. This morning I finally spoke with customer servicetwice and found out I had been charged numerous latecharges and interest. I was also told they had XXXX of my moneyin a credit account. 
My question is : why was my due date not changed? Why was I notcontacted by mail at the deliquincy of my account? I wastold I owed Macy 's {$290.00} and some odd cents. She put meOn hold and came back and told me they took the {$80.00} credit, applied it to my bill, took off XXXX late charge and XXXX interest charge! 
My balance was {$170.00}!! Who makes that decision on howmuch you are charged?? 
I think this is unfair and fraud due to the fact I wasNEVER contacted by Macy 's!!! But, she told me they wouldsend me my bill via US mail. 
I always pay my bills and have great credit. I DO NOT want thisto go against my credit report and I want the late charges and interestcharges refunded to me. I am still in awe of a company as large asMacy 's allowed to do this to their customers. My account is now closed. 
I would appreciate your prompt attention to this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: Medical revenue Service is attempting to collect a debt I XXXX do not owe. This debt was settled by XXXX Insurance company and I was told by them I do not owe the bill. The Ac # XXXX XXXX XXXX XXXX XXXX Date : XXXX/XXXX/2015 Balance {$4200.00}. Supposed debtor XXXX XXXX. I do not owe this bill and I am continually being harassed by both XXXX XXXX XXXX and their collection agency Medical Revenue Services. We were told on numerous occasions by XXXX Insurance that we do n't owe this bill. This bill appears on our XXXX Insurance Account as nothing owed. I do owe a balance of {$2200.00} which I have been paying {$100.00} a month on that balance. In the latest collection threat my outstanding balance latest {$100.00} payment was not credited. Medical Revenue Service combined the outstanding balance I owe ( {$2300.00} less {$100.00} ) with the outstanding balance I do n't owe ( {$4200.00} ) for a Total Amount Due of {$6.00}, XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, someone identifying herself as XXXX from the Law Offices of M.L. Zager, P.C. contacted a third party about a medical bill. They contacted, by phone, a relative who lives in a different household and has nothing to do with my finances at all, asking about me and saying I owed them money. The phone number they called is not a phone number that has ever been associated with any of my accounts, so I do not know how they got it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After creating an account at XXXX 's website I noticed on my trans unioncredit report that I have a civil judgement against me. I disputed the judgementagainst me on the trans union website and after 30 days had passed, trans union sends me an e mail saying that the investigation of my complaintresults in my civil judgement being valid by the law firm who sued. 
I discovered yesterday from getting court copies of this lawsuit that this is acase of mistaken identity. I am not disputing that the civil judgement is notvalid, what my dispute was about is that they have the wrong person. Thiscivil judgement is about someone else not me and should not be showing onmy credit history at all. Trans union I feel did n't do their job by removing thisoff of my credit history. This civil judgement clearly is valid but I am not theperson. They have me mistaken for someone else and I want this removedfrom my credit file. I have all the proof to show I am not the person in the civiljudgement and I am prepared to show what ever documents that 's needed so Ican finally get this judgement removed from my credit history. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX, I took out a credit card loan from Banks of America. XX/XX/XXXX, I called Banks of America and paid {$8700.00} the remain of the debt. I ask that my account be close XX/XX/XXXX, I paid {$83.00} for the interest acuminated for XX/XX/XXXX. Agains, I ask that they closed my account. B.O.A assured me that they will close my account. For 10 months, that account remain inactive. In XX/XX/XXXX, someone took {$450.00} and I was not aware of. I have bank statement that I paid it all, but yet BOA sold my default loan to a collecting agency, report that I defaulted {$450.00}. Prior to this, I never have a bad credit in my record. I never have not pay a loan or debt. Why else I paid {$8700.00} and not paid {$450.00}. Please help investigate other victim as myself due to Banks of America erronoes. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is with regards to a notice from " Merchants & Professional Credit Bureau Inc '' A/C No : XXXXThis company has been trying to collect a debt that i do not really owe as i have worked with the debt owner ( Medical company ) on why it was paid by my insurance. 
This collection agency has not paid heed to all my communication in this regard and went ahead with reporting this to all credit agencies. This caused my credit score to go down drastically and prevented me from getting a mortgage on my new home. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My home equity loan is being reported as unpaid, late, and and still open. This account was forgiven by Bank of America due to the lawsuit from the Department of Justice. The account is damaging my credit score drastically and I have sent letters to Bank of America twice. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I received a letter from Central Credit Services LLC, dated XXXX XXXX, 2015, attempting to collect a debt I allegedly owed XXXX. On XXXX XXXX, 2015, I sent a certified letter to Central Credit Services ( i ) denying that I owed the debt ; XXXX ii XXXX demanding that they cease attempts to collect the debt or contact me until they could satisfactorily demonstrate the validity of this debt ; XXXX iii XXXX stating that any further contact should be in writing to a specified address and only for certain limited purposes ; and XXXX iv ) directing them to refrain from reporting any negative information to a credit agency. This letter was delivered to Central Credit Services on XXXX XXXX, 2015. 
Subsequently, on XXXX XXXX, 2015 XXXX I received a call from XXXX. The caller would not identify herself at first ; only after multiple requests on my part, did the caller acknowledge that she was calling on behalf of Central Credit Services. I told the caller that I had disputed the debt and directed them not to contact me, that calling me was a violation of the FDCPA, and that I would be filing a complaint against the company. 

Company response: Company chooses not to provide a public response
Consumer complaint: Have full coverage insurance, paid co pay of XXXX dollar as required be my XXXX XXXX XXXX plan to hospital XXXX at time of visit. Visit was 10 min to look in my ear. My insurance was billed afterwards. Then i got nasty calls from CMRE. XXXX to pay or they would destroy my credit. I explained to them the bill was paid in full. I now see repeat strikes on my XXXX credit reports from them. I would like to take legal action 

Company response: Company chooses not to provide a public response
Consumer complaint: Service provider, XXXX XXXX XXXX XXXX is double billing for a procedure. Since the second bill is false as I did not have XXXX identical XXXX on the same day at the same time at the same facility by the same or different Doctor ( s ). The service provider, XXXX XXXX XXXX XXXX has submitted the second false/fraudulent procedure to my insurance provider, XXXX XXXX of California and consequently XXXX XXXX XXXX XXXX has submitted this false claim to a collection agency, CMRE Financial Services to collect for a procedure that never happened. I need the harassment and threats to damage my credit from CMRE Financial Services to stop, I need XXXX to understand the second claim was fraudulent and I need XXXX XXXX XXXX XXXX to stop double billing so this matter can be expunged from all data bases. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion : Unable to resolve the dispute via their webpage as they seem to just want to sell me a credit monitoring service.. 

Company response: Company chooses not to provide a public response
Consumer complaint: On previous trips to XXXX, I have used my Bank of America ATM card to get cash at various ATMs. In XXXX, I have used XXXX XXXX, BoA 's partner bank there and never had a problem. As a result, on my recent trip to XXXX, I took little cash because I knew that I could get cash from the ATM. In fact, one of the reasons that I have a Bank of America ATM card is because I was assured by the bank that it would work overseas. 

On arriving in XXXX XX/XX/XXXX, I tried my ATM card at a XXXX branch and the machine indicated that the transaction could not be completed. I tried at other branches of XXXX as well as at other banks with the same result. On the chance that something was wrong with my card, I tried my wife 's card ( we are on the same account ) and that did n't work either. At the time, we had a balance in our checking account of more than {$10000.00}, so it was not a question of insufficient funds. I called Bank of America from XXXX ( at substantial cost to me, given international rates ) and after the usual voice mail tree, wait, prolonged identification process, and a transfer, got to a person to whom I explained my problem. Her response was that the chip in my ATM card was so sophisticated that the XXXX banks could n't process it. This, of course, is ridiculous ; XXXX has been using chip cards for several years and my chip card from XXXX XXXX worked fine for charging items. She also indicated that there was nothing that Bank of America could do for me to get me a card that worked, or to get me funds. Before I left for XXXX, I filed a travel notice with Bank of America, indicating that I would be using my ATM card when overseas. Although BoA did tell me that there would be a 3 % transaction fee, there was no indication that my card might not work. So here I was in XXXX at the beginning of a two week trip with little cash, and no one at Bank of America was prepared to assist me. Fortunately, XXXX XXXX, a company that seems to care about its customers, arranged to get me the cash that I needed for my trip. 
Clearly, in providing my wife and I with an ATM card that would n't work overseas ( it does work here in the states ) and refusing to even tell me why this happened or whether it will happen again the next time I go overseas it seems to me that Bank of America has engaged in fraud. 

Company response: Company chooses not to provide a public response
Consumer complaint: Havent been informed that this debt was still owed. Last comminication I had with company was in 2008 by court paper that stated withdraw motion due to expire. I took that to mean they were not pursuing the debt anymore. Now 8 years later my emploer is garnishing my wages for the amount of original loan plus 8 years of interest. My permanent address is my mothers. Not sure why after all these years something wasnt sent. I have an additional {$3500.00} added to loan to repay. Why was I not informed? It 's like they sat on this debt and let interest build up until statute of limitations were about ready to expire then decided they wanted their money. I would have had this debt paid off years ago if I had known I still owed it. Just unfair. Should have been notified of this years ago!!! 

Company response: Company disputes the facts presented in the complaint