AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: The night before closing, our lender Prime Lending called to say there was a problem with our loan. The long and short of it is we were told for nearly 4 months, including a Uniform Residential Loan Application and an estimated cash to closing work sheet, that Prime Lending would match a {$3000.00} credit the preferred lender for our builder was offering. When we locked in our rate, the credit as well as our earnest money was not showing. I was assured in an email that the earnest money and credit were there " Your credits were removed, but you will definitely get credit for your {$5000.00} Earnest Money deposit. The {$3000.00} Lender credit will be negotiable depending on the rates. Right now, the markets are very volatile so we are seeing a lot of movements and sometimes not in a positive direction unfortunately. Again, we will continue to monitor the rates for you, but we will most likely iron down the fees within the next few weeks before your closing. " There was never any negotiating mentioned before this. The night before closing we were told that in order to honor that credit the loan would have to go through their corporate and legal departments which could delay closing for days. We did not have days to delay we had to be out of our rental and could not afford to pay for 2 moves plus storage. They were able to match {$1900.00} of the {$3000.00}, but we had to pay the difference. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Experian is reporting XXXX charges as open and not satisfied but they have been paid. I have called XXXX XXXX about my {$34.00} " balance '' and my {$73.00} " balance '' but have not received a response. 

Company response: Company chooses not to provide a public response
Consumer complaint: From time to time, I try to cash a check from Wells Fargo and every time I need to show XXXX IDs, talk to an agent, listen to his solicitation speech ( " open an account '', " joint your husband 's accounts '', or both! ) and then I am allowed to cash the check. It is a waste of my time and I find it very intrusive. The check amounts are below {$500.00}, so it is not a safety issue, it is a solicitation hassle. This is the proof : I had to go today to the branch because yesterday, in the drive thru, they did not want to cash me the check. I offered the XXXX IDs but they still told me I had to stop by the next morning to talk to the agent! I have to always answer if I have an account with them and if not, if I am want to open one. I do n't want anything but cash my check in a simple, speedy transaction! 

Company response: Company chooses not to provide a public response
Consumer complaint: it shows i applied for many credit cards which i did n't. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Received a phone message with message of intent to sue for non-payment. Multiple family members and friends received the exact same message with my name, at the exact same time that day. I was unaware of this debt, having thought it was included in our bankruptcy. Upon some research I was able to determine this debt was over 9 years old. I am unable to pay as I am the only working and my husband is out on a medical injury, soon expecting surgery. I am unable to make such a substantial payment, and they have indicated I need to do so within 48 hours or they will take me to court and I could 'lose everything '. When contacted, the company would not allow me to speak to any of the named individuals ( each family member gave me a name of who called, all were the same first name but different last name ) only telling me that, that person was not available. I got the distinct feeling no such person existed.The number came up on everyones phone as blocked or restricted, however the number was quickly mentioned on the phone message. 

Company response: Company chooses not to provide a public response
Consumer complaint: Closed since 1985 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a XXXX XXXX on my and my husband credit I have called them I get transferred over and over spent hours on the phone just for them to tell me they will send me a bill to show me what it is for but it never comes. So it is on our credit as part of my bankruptcy when this was paid in full we were with this company for years. When I first went to XXXX years ago they told me my husband and son had the same name so my sons up grade got added to our account by mistake. The point is it is affecting my credit and I want it taken off.This is showing on all three bureaus on mine and my husband. I have no documents due to the fact it is so old. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently attempted to obtain a mortgage, at which time I discovered that Commonwealth Financial Systems had a judgment against me for {$4000.00} ( for a XXXX XXXX credit card from XX/XX/XXXX ). I was never notified that there was a lawsuit pending against me. I went to the XXXX Court system website and printed out the entire case file. It was then that I noticed that they documented at least 5 unsuccessful attempts to serve me with the paperwork. The final attempt, which they say was successful, is dated XXXX/XXXX/XXXX. I did not move to my current address until XXXX/XXXX/XXXX. It is at this address that they claimed they served me. Which is patently false. The file says the case was dismissed once for failure to notify me, and I feel that legally they can not uphold a judgment that was obtained without my knowledge. I need some guidance to see if I can have the judgment overturned based on the affidavit of service that indicates that I received the subpoena a full 9 months before I even moved to my current address. If I am able to have it overturned, they will not be able to sue me again, since the 4-year statute of limitations has long since passed on this debt. I am attaching the full copy of the case file. I also have a copy of my current apartment lease that can be furnished if needed. Please advise what my next step should be in this issue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I keep getting calls from XXXX, they claim to be ERC and are attempting to collect a debt. I have a person with similar information to me that lives in Iowa the big difference is I am XXXX and he is XXXX. This ERC keeps calling and tries to threaten me to pay the debt. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Allied Interstate keeps calling me on my cell phone. And I told them they have the wrong number. I have no debt owed. And I do not know how they got my number. 

Company response: Company chooses not to provide a public response
Consumer complaint: Some debt collector keeps calling my work number ( which is a call center ) and leaves a message indicating that they have case in their office that requires immediate attention. There is no contact information left and this happens throughout the day several times. 
XXXX numbers that call appear to be local XXXX and XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Northest Collections Agency XXXX. They have the wrong phone number, I have repeatedly asked them " nicely '' to stop calling to no avail. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Between XXXX/XXXX/15 and XXXX/XXXX/15 I have had XXXX hard inquiries appear on my Transunion credit report. XXXX inquiries through XXXX, XXXX through XXXX and XXXX through XXXX XXXX XXXX. All of these inquiries were an attempt to get credit cards with my identifying information. I have put a credit freeze on my information and credit alerts through Transunion. I also received a letter from XXXX indicating that XXXX hard inquiries were made to my credit report by XXXX. XXXX reported that they have been hacked. I want all of these hard credit inquiries taken off my credit report due to the fact that I have never applied to these companies for credit cards or other services. These hard inquires are causing by credit scores to go down. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of 2012 my identification mainly my social security card and Florida ID card was lost or stolen from my handbag and a sequence of accounts were open and checks cashed in my name. As soon as this was realized, I filed a police report ( see attached ). This account is unknown and was not opened by me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bought a house on XXXX 2014 and I was presented with a property tax certification of {$0.00}. In other words that the house did n't have any tax debts. Later I received invoices for property taxes XXXX years before the closing date. Since this was a foreclosed house I contacted the bank that sold it to me and they said I was responsible for paying all those property taxes. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have ( 1 ) 30 days and ( XXXX ) 60 days late on my credit report. I 'm trying to re-fi my house, this loan has been paid in full and early. The company has refused to help me, the late payments were back in 2010. when payments were late we always called to get help from the company. They would refuse I was in between jobs but had always was on time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied and was awarded a Bank of America Platinum MasterCard in 2013. They approved and awarded me a credit limit of {$10000.00}. I have paid consistently without incident. Now they have dropped my limit to {$8600.00} which has impacted my credit score because I owe {$7500.00}. So instead of being {$2500.00} away from be 50 % below the limit the credit limit keeps getting reduced as I pay the credit card down. So my credit score is lower then what it should be due to no fault of my own. Please request that Bank of America increase the limit back to {$10000.00} as originally agreed. They do not have to permit or allow any future charges, but I want my credit score to increase by having them maintain our original agreement. Thank you for your assistance with this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: What happenedDescribe what happened so we can understand the issue ... 

Saturday XXXX XXXX, XXXX and major complaint. Previous complaints addressed harassing phone calls. You stated that no more phone calls. I was awaken at XXXX Hawaii Standard Time by a phone call from your representative. Message from Representative XXXX XXXX, to call her at XXXX XXXX. 
Please answer the following questions to include unresponsive answers to previous complaints. 
1-Is this a harassing phone call. Simply answer Yes or No and what is going to be done to stop harassing phone calls. What is the violation and civil penalty if this occurs again? 
2-You all keep changing enterprise representatives on me. Please respond with name of representative to contact by email. Your phone calls are not resolving our issues and my complaints. I previously ask for email address for Representative XXXX XXXX to resolve our issues and complaints. You all have be non-compliant. Please email me his email address. If not, please explain why I can not get his email address to resolve all issues and complaints. 
3-I ask for the mailing address to mail XXXX form to receive {$500.00} signing incentive for partial claim. Please respond with mailing address to include attention what department. 
What if any is the money incentive to re-sign modification documents? Yes or No. If so how much? 
4-You responded that I am not required to re-sign loan modification documents. You also stated that my modification terms will still remain in effect. You further stated by not re-signing loan modification, it may cause difficulties in the future if I attempt to modify, refinance or the sell the property. 
Please be specific, not general terms as stated above, what difficulties I am going to encounter if I attempt to modify, refinance or sell the property. Please explain fully. 
5-You mentioned previously about recordation of modification. My questions to this still have not been answered. Where is modification recorded at. Name of agency where recordation is being done. Exactly what is being recorded? Who is doing recordation? Phone number to call to check on recordation. 
6-If you all address and answer my questions and concerns, then we can finally resolve all issues. It is up to you all to finally resolve all issues. Simply answer my questions and concernsThank you-XXXX XXXX to publish the description of what happened? Consent provided 

Company response: Company chooses not to provide a public response
Consumer complaint: After repeated communication that I was unable to pay for my student loans. I received several calls in one day from Sallie Mae. The most recent call at XXXX on XXXX XXXX, was from a rep. who yelled at me and threatened to add additional delinquency fees. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Barclays Financial canceled my credit card, because they stated that my credit score decreased. I 've been dealing with unemployment and have entered into payment agreements with all the accounts where I am delinquent. However, I have never been delinquent on the Barclays account. Can they cancel my credit card anyway? I thought they could not do that as long as I was up-to-date in paying them. 

Company response: Company chooses not to provide a public response
Consumer complaint: Flagship calls me every day up to five times a day every time I am late on payment. Even, after I advise them I can not make the payment until a specific date ( the day I get paid ). Last week they contacted me at work. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been fighting with the bureaus for a year in regards to XXXX charge off account I got tired and obtained XXXX whom contacted all the bureaus and got XXXX XXXX XXXX deleted from my credit but as of XX/XX/XXXX Transunion has reinserted the account and have allowed the Bank to use a fradulant new card # and frdalunt updated activity on the account which has been charged off in XX/XX/XXXX I opened it in XX/XX/XXXX.I filed a police report for the fraud because the new account number is not mine.I still hace the old credit card with the # on it.I sent the bureaus a letter from the Bank stating the year and month in which the account charged off and the police report and a copy of the old credit card i had. ( XXXX and XXXX have deleted the account once contacted by XXXX and have not reinserted it ... Transunion is the problem they deleted it XXXX and rein serted it XXXX as of XXXX paid XXXX and they did their job.My Fair Debt Credit and Collection Act has been violated and it is against the law for this typeof action..I have been humiliated caused stress and mental anguish.I will not be submitting anymore documents to Transunion they alreay have all documents I mention in this letter 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out student loans, in fact, {$90000.00} for a university, and when I was there, students and staff were so mean to me. When I graduated, I came home crying my eyes out. I had a look in my eye before from the staff members that I would never ever get a job and I could look for the rest of my life and no one would hire me. And I have processed that feeling although it comes and it goes. Maybe these banks should add a Human Behavior course that Americans will lie, cheat, and steal to get ahead. They will psychologically damage you and change all of your memories. I needed to be better prepared for human behavior to take out student loans. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am the victim of identity theft. I submitted my police report, affidavit and items in dispute to Experian as they requested and the accounts opened due to identity theft are still reflecting on my credit report in violation of the XXXX that is supposed to protect me from this. Once I give them the identity theft police report, they are supposed to block this information from being reflected and they never did and still are not. They are not following the FCRA or our XXXX that is supposed to protect us from this. 

Experian even said that they contacted a creditor ( XXXX ) in XXXX that is no longer in business due to bankruptcy and is nowhere in the list of businesses conducting business in New York State. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have had a Brooks Brothers credit card for a number of years. They recently switched card servicers from XXXX to Citi. I was leaving for XXXX on XXXX XXXX, 2015. I called Customer Service on XXXX XXXX to find out if there are are foreign currency transaction fees associated with the account. I was informed by the gentleman on the phone that there were none. I then told him to put a notation on my account to the effect that I 'll be using the card in XXXX for the next 4 days and it is not a fraudulent use. When I came back on Tuesday, XXXX XXXX there was voicemail on my home phone telling me to call Citi customer service or my charges would be denied. I called them despite that it was close to XXXX. The saga does n't end there. Upon checking my charges I found out that they are charging me 3 % for each foreign transaction. I called Customer service and explained but they referred me to the Card member agreement that lists foreign currency fees will be accessed against the account. 

1 ) Citi never sent me an updated card member agreement and it is not available online under my account. 
2 ) Citi provided me incorrect information when I called specifically to check if there were any foreign currency fees associated with the card. That was BEFORE I used the card overseas. 
3 ) Citi continued to try and reach me at my home number despite my call BEFORE leaving overseas and that I will be using the card overseas. 

Citi has refused to refund me the foreign currency transaction fees associated with my card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was given a {$40.00} prepaid card from NetSpend. This was a gift from a friend. I tried to activate the card online and was told I could not and to call the toll-free number on the card. The first time I called, the rep asked me some questions and said the card was activated. 

I tried to make an online purchase ( making sure to include the fees NetSpend would charge ) and it would not approve. 

I then got a voicemail from someone at NetSpend to call back and give them a reference number to finish setting up my account. When I called, the rep who answered seemed to have no idea what I was talking about and said he needed to transfer me to a " special department. '' When he did, I was dumped directly into a voicemail of someone in the legal department who handles subpoenas???? 

I called a 3rd time and another rep answered -- she went through the same drill and said she had to transfer me to a " special department. '' She refused to give me the name of the department or their direct number. I was transferred and sat on hold for 15 minutes before hanging up. 

I called a 4th time and another rep answered -- I explained to him what was going on. When he asked me again for my name and last XXXX of my SS #, I asked him why did that matter because they would n't have my information if I did n't have an account. He said he had to take this info to set up the account, but once again told me I needed to speak to the " special department. '' He said he would wait until he reached someone before transferring me. I have now been on hold for 23 minutes and will hang up at 25 if no one answers. 

At this point, NetSpend needs to be ordered to refund my friend 's purchase. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I purchased a computer through XXXX Computers in XXXX and they pushed me to purchase the computer through Duvera Financial who was doing business as EasyPay Finance. They told me that the loan would be for 90 days and the installments would be finished within the 90 days. I recently found out that this was a lie and I am now being charged 189 % interest on my original loan. I received a contract that I had never seen or signed, but was digitally signed. Also my address on the contract is incorrect. Because of the incorrect address, which I assume was entered by the store clerk as I have never lived at that address, I had a terribly difficult time accessing my file within EasyPay Finance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Small town in XXXX. Rented a house for XXXX year. Water bills paid on time. Moved out due to retiring from XXXX XXXX XXXX. Disconnected water account prior to moving from XXXX to XXXX. New tennant moved in to XXXX house and apparantly garnered free water services ( still in my name ). Landlord and city were contacted about the new tennant needing to pay this debt. The account was eventually changed in to the new tennant 's neme but the amount pending remained in my name and the tennant never paid it or owned up to it. It is a small amount of money, easlily paid. My issue is based on principal. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have bad customer service from my Mortgage Servicer and would like to switch to a different one. My account information online is never up to date, their online portal is terrible and the never address any of my concerns. There is a reason they get a XXXX star review on XXXX reviews. Is there a process that would allow me to select a mortgage servicer or a least force a change? Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: This account is not owned by me ; I have never had any services from this service provider and therefore owe no balance as stated in my credit files. Please provide me with relevant information that you are using to validate this account such as ID used to open this account ; when and where this account was opened ; signatures etc., so that I may add it to my current and ongoing investigation. 

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