AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Jared Galleria is calling me upwards of XXXX times a day half from private numbers others from multiple different numbers mainly from XXXX. I answer and they hang up constantly. I have talked with them and explained the situation and they continue the same behavior. This is rediculous and harrassment. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After defaulting on a home improvement loan from WellsFargo ( WF ), I entered into debt collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was arranged to deduct $ XXXX/month from my checking to pay the XXXX {$5000.00} remainding balance. As of XXXX 2015, I finished paying the debt with a remaining balance of {$210.00}. However, XXXX, for some reason, deducted {$400.00} from me in XXXX and XXXX. 
After discovering the deductions, I called XXXX in late XXXX to ask what was happening. On the initial call, they claimed not to know. On subsequent calls, they noted an error and stated they were in touch with WF and would resolve the issue. At this time, I was still getting " bills '' from WF, stating my balance was at - {$800.00}, indicating to me, the balance was paid and sent to WF. 
Come XX/XX/XXXX I still had not had the issue resolved XXXX. I spoke with managers XXXX XXXX and XXXX XXXX on numerous occasions to be told the issue was being handled and a check would be sent, and to call back early XX/XX/XXXX. 
Come XXXX XXXX, no resolution. At this point, WF sent a new " bill '' saying I owed {$78.00} for lawyer fees and the prior - {$800.00} was gone due to " adjustment payments ''. I contacted WF directly to ask what was happening. WF claimed they were in contact XXXX, and the amount was ACTUALLY {$1200.00} THEY DEDUCTED FROM ME. WF also claimed they sent the money back XXXX. I emailed and called XXXX with this information and got this in return from XXXX XXXX - " I was able to talk to Wells Fargo Bank this afternoon. They asked that you communicate directly with them and for me to direct you to their office. They again gave me XXXX to give to you and they asked that you call them directly. I was also advised that they did not send any money back to our office. I am unsure where that part of the communication is coming from. Unfortunately this is all the information that I have. I hope you are able to speak to someone at Wells Fargo Bank that will be able to help you in regard to this matter. Thank you. " Since that email, sent on XXXX XXXX, I 've mainly been in contact with WF, but they are currently not being too responsive. When I called XXXX XXXX, they claimed they were still checking their accounts for the money and a resolution. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a homeowner who is currently recovering from a XXXX and I have been off work for the past 6 months. I received payments from earned leave and advanced leave from my employer. In XX/XX/2015, my leave reserves were depleted. I still required recovery time, and I was placed on FMLA without pay. I have been unable to pay on my Bank of America mortgage since XX/XX/2015. To date, I have missed XX/XX/2015, XX/XX/2015 and XX/XX/2015 payments. I contacted Bank of America as soon as possible to inform them of my current financial and medical status. I was informed by them to file for the Keep Your Home Program and they can offer {$3000.00} per month toward my mortgage and provide temporary assistance with some utilities as well. I applied with the Keep Your Home California program and I was conditionally approved XX/XX/2015. The KYHC program indicated in the notice that my loan servicer Bank of America must agree to a Loan Modification in order for me to get help. Bank Of America sent me a notice in XX/XX/XXXX stating that I they would be reviewing my account for the Hardest Hit program. Then on XXXX/XXXX/2015, I received a call from Bank of America and spoke to an Agent by the name of XXXX. XXXX stated to me that I have until XXXX/XXXX/2015 to pay {$7.00}, XXXX or they will be issuing a Letter of Intent to foreclose on my home. 
I know that I am behind on my mortgage, and I have been trying to return to work, and hope to return to work soon. However, I am suppose to be in a work-out stage with my loan servicer and I should not be threatened with foreclosure while I am in a work-out stage. 
Additionally, I do n't understand how they think that I can come up with {$7800.00} by XXXX/XXXX/2015 when I am currently XXXX and not working. I had to deal with Bank of America Representatives before, and I have had them laugh in the background, make fun of me, belittle me and try to shame me because of my circumstances. People like me and Homeowners like me need real help and real solutions, and we do n't need people trying to cause more heartache and problems in our lives. We are people too. I am hoping to get back to work soon so that I may be able to continue being a productive citizen in society. 
Bank of America is deliberately, willfully and intentionally trying to sabotage me and keep me from getting the help that I need so they can foreclose on my home. 
I have invested a lot of money into my home, and I want to keep my home. But Bank of America and it 's representatives are giving me the wrong information. I had XXXX from Bank of America tell me that she was giving me a number to the Hardest Hit Program, but she gave me a number to the KYHC program. When I informed her of this, she just non 

Company response: Company chooses not to provide a public response
Consumer complaint: I set up a car payment with Ally auto for XXXX XXXX, 2015. I then decided to reschedule that payment for XXXX XXXX to wait for my payday. I went back into my account and saw that I still had the option to cancel the payment, so I did. The payment said it was cancelled on my end. I then proceeded to set up a new payment to come out on my payday. On XXXX XXXX, ally auto deducted {$410.00} from my bank account, and then deducted another {$410.00} from my bank account on XXXX XXXX. I called both the bank and the auto finance company to explain the situation, that I was double charged, and set up a dispute. My dispute was denied. 

Company response: Company chooses not to provide a public response
Consumer complaint: Company has called me several times pretending to be attorneys aggressively and abusively telling me they will be taking me to court and telling me I operate a dishonest business and I will be " punished '' 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I owed XXXX for a bill that I did n't know that I had. Southwest collection Agency contacted me I called XXXX. I never received a bill from XXXX, once XXXX understood that there was an error and never got the bill they allowed me to pay them. Southwest could call my home phone being nasty, and then my cell ordering me to pay. After I had inform them that I had taken care of this bill with XXXX. I informed Southwest Collection Agency and gave them proof of the conversation with XXXX and that XXXX stated that they would not be listed on my credit report. Southwest refuses to remove themselves from my credit report. I asked nicely and was told " No, we will continue to report and remain on your credit report for seven year. Even after XXXX informed me and I informed them that XXXX stated that they should not be listed on mt credit report. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We filed a complaint with XXXX XXXX about the fees that involved a lease agreement with XXXX XXXX XXXX ( located in XXXX, XXXX XXXX ) Place on XXXX/XXXX/2014 ( certified mail Receipt ), asking this company to dispute the charges. XXXX XXXX never responded to my request after 30 days. 
XXXX XXXX waited 45 days later and placed this item on my credit. They never disputed my item with the company. ( XXXX XXXX located in XXXX XXXX or Leasing agency ). 

Company response: Company chooses not to provide a public response
Consumer complaint: I was incarcerated for four months ... at which point. I was having Idaho state insurance fund direct deposit checks for workers comp.. this was XXXX to XXXX my bank account was being spent via my debit card .. when I got out I found my account to have insuficiant funds .. I filed a fraud claim and verified my imprisonment and tried to get the money back and was denied most of it ... I have bank statements,,, and would like help getting the money and any applicable interest ... about XXXX dollars and 18 months time so far I figure 21 % interest is sufficient 

Company response: Company chooses not to provide a public response
Consumer complaint: I used Citibanks online payment system to make a payment for {$20.00} and they drafted {$1500.00} from my bank account without my authorization which i am currently filing fraud charges through my bank against citibank to reverse this fraudulent payment and get my money back. In addition he company will not allow me to take any forebearance which i have requested XXXX times due to medical billing. Also the company will not allow me to adjust my payments in any way which will ultimately lead me to have to default on this loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: Keep receiving automated telephone calls indicating they are Amsher Debt Collection Agency calling in regards to a debt. No debts - nothing is owed to anyone. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: i was briefly employed by a XXXX company that is based out of XXXX and specializes in the third party consumer collection of subrogation debts across the country. Not only did it become obvious they were not properly licensed in the states they do business but their collection tactics were some of the most abusive and misleading I have EVER witnessed. I have been in the collection business for over twenty years. Disclosure of debts to third parties including texts and written emails, threats of drivers license suspension even when they know the debt does not qualify for that kind of action and open threats of lawsuit and wage garnishment. Just ask to see the collection records as it is all there, the texts, threats, emails, intimidation everything. there is no mini miranda or FDCP used even though they are a third party collecting debts against private individuals. When i complained they changed and reduced my hourly wage. I believe they feel that because some of the debtors were driving without insurance that nobody will care if they are misleading and abusive. Companies like this are the reason that many decent agencies are suffering from lawsuits. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Our experience with XXXX XXXX XXXX XXXX is an ongoing practical and nightmare, now in its 3rd month, delivery still not completed, goods lost, others horribly damaged, even as XXXX keeps running up more charges against our credit card accounts without our authorization. Now XXXX is sending us forged and altered documents in order to try to bill us even more. 

We never authorized XXXX to make these charges. We had a COD deal but they charged our cards even before anything was delivered without knowledge or permission. They also delivered only a partial shipment and collected fees before a bill was ever presented. 

There are many other problems with these transactions. They are secondary. The deal for this move was based upon weight. XXXX had the responsible to get the truck officially weighed unloaded and fully loaded. But has yet to give legitimate weigh station forms to substantiate the charges. 

To prove up the weight of the first truck XXXX provided a scanned copy of a weight scale receipt which is unsigned AND which has hand-written alterations of the truck 's ID numbers AND which has a pre-printed legend that it CAN NOT be used for legal trade in California! The weight scale company CATScale told my husband that this is an invalid receipt, period, the end. Then XXXX provided us a scanned copy of another CATScale receipt, supposedly for the fully laden truck the night of XXXX XXXX. This receipt is signed, but it also states it is not for legal trade, AND MOST IMPORTANTLY, the truck 's ID numbers have been altered in handwriting. 

Delivery is still not complete and we have many damaged and missing items - they wo n't return our calls. I am trying to get the credit companies to reverse the charges. Since I did not authorize them, and I have not seen proper billing for me to agree to pay such charges. Also the services they did provide were unsatisfactory in many ways - resulting in damage to goods and properties as well as breaking the contract and delivering part of our load 26 days later then the contract. 

Does n't the consumer have control of where and when their money is spent. 
We need help. I absolutely did not authorize the charges the card was specifically meant to hold the reservation and the COD deal combined with billing is when I was suppose to pay the invoice. The first part of move in was XXXX XXXX you can see they did XXXX charges before we moved in and before we were presented with an invoice. 

If the credit cards were doing their job that would have done more due diligence and find out about authorization for such large charges. 
There are XXXX companies involved in this Bloomingdales XXXX, XXXX XXXX XXXX and XXXX XXXX. 

I want the charges reversed and I want to get legitimate proper bills with no cross-outs and hand writing on forms from XXXX that I can review prior to making any payment decisions. 

Thank you for your help, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I cancelled my card due to a fraudulent charge that caused a major overdraft situation, and ordered a new Debit card. I went to my local Wells Fargo Bank branch to get a temporary debit card XX/XX/XXXX. I asked the branch rep if she could make sure my account would not allow transactions that would leave me with a negative. She said, " yes, we can do that. '' I asked if that protected me for online purchases, she said " yes. '' So for a couple months I 've been under the assumption that this service was available to me. Friday, XX/XX/XXXX I made XXXX purchases online, through XXXX, and I apparently went negative. The transactions went through XX/XX/XXXX, and after realizing that happened, I immediately went to the bank to put money in the account. I needed to made another purchase for work, and I put {$100.00} in my account Monday, XX/XX/XXXX, leaving me with a XXXX+ balance, which all seemed off. Then I checked my balance again, and I only had {$28.00} dollars! Se regardless of whatever efforts I made to put money in my account over the weekend, it did not matter. Seems that the bank waited to charge my account the next business day, confusing me, causing me to lose {$70.00}. I could have just closed the account instead and they could have lost a customer, and kept my money. I contacted several customer service people yesterday and today, and they said " they can not do anything about it. Sorry you were not given the right information. '' I also found out that the service to not allow my account to go into the negative was never on to begin with, and was only specific to the temporary debt card, not my account. Customer Service " apologized for the inconvenience '' then activated that for XX/XX/XXXX. But then they explained that anything online would be considered an Automated Payment, and that is n't going to be protected by that service anyway, which goes against what the representative at the branch said. So the information I was given was faulty, the help I 've received was little too late, and the apathy for this customer misinformation is astounding. I really would like my {$70.00} dollars back thanks to this. I did n't deserve this slap on the wrist. I manage my account as best as I can, and try to stay as informed as I can. I remained calm, but I know I require more help to get my cash back. That 's my hard earned dollars and I do n't deserve to be punished for something I obviously tried to prevent from happening. 

Company response: Company chooses not to provide a public response
Consumer complaint: When attempting to make a payment online, I received the following error message : The website is not responding at this time. Please try back later or contact your institutions customer service department for further assistance. We apologize for any inconvenience. I contacted the Freedom Mortgage customer service line and explained to them the error message. The representative informed me that the error was a known issue and that I had the option of either making a payment via the phone system for a {$10.00} fee or via a live person for a {$15.00} fee. I requested a waiver of the fee since I could not make a free payment through their website. The representative stated the fee could not be waived. I then asked to speak with a supervisor. I was transferred to a team lead, XXXX, who was able to take my payment and waive the fee. I believe that Freedom Mortgage is deceptive in its practices by attempting to charge customers a fee for a payments when the option to make a free payment is not available due to the actions of Freedom Mortgage, not by any action by the consumer. In this instance, Freedom Mortgage has no incentive to correct the online system as they are able to obtain fee income from consumers that are unable to make online payments. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a public record on my Experian credit report from " XXXX XXXX XXXX XXXX. '' There is no recorded judgment from this creditor. I have disputed in the past with Experian, and it has come back verified. I went on to request that Experian provide me with the method by which they verified this public record, and they have repeatedly failed to provide me with any such information. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX mistakenly send me to collections. This situation was resolved with XXXX XXXX. XXXX XXXX informed the collection company that this was resolved. I continued receiving collection notices. I requested documentation from XXXX XXXX that this was resolved. I have a letter from the collection company, dated XXXX/XXXX/15 that the account was closed. I received another collection letter dated XXXX/XXXX/15. 

Company response: Company chooses not to provide a public response
Consumer complaint: My home has been in foreclosure too long due to my servicing company Select Portfolio Servicing , Inc . I have been trying to apply for the Home Affordable Modification Program since XX/XX/XXXX. I have turned in numerous documents requested by the specialist that is assigned to my review. Every time I call the assigned specialist there is no answer and when I speak to someone else they state I need more documents. I call once a month for an update in regards to the review and ask if there is a for sale date. I received a legal advertisement for prevention of sale date on XX/XX/XXXX so I immediately called Select Portfolio Servicing and asked the representative and she stated no sale date. Then on XX/XX/XXXX I receive Notice of Cancellation of Foreclosure Sale Date from the Circuit Court of XXXX County. When I addressed this to Select Portfolio Servicing representative she stated there was never a for sale date. I have uploaded the legal advertisement and court document mentioned.The representatives at Select Portfolio Servicing give false and misleading information to delay the modification process and keep the home in foreclosure. I have spoken with a total of XXXX different representatives there and they are deceptive and seem to be uneducated in what they do. For instance my last call was in regards to missing documents and I asked what was needed. The representative responded with XX/XX/XXXX tax return thats all that is needed. I told her the last representative yesterday said XX/XX/XXXX tax return and XXXX form. The representative responded with yes that as well. At this point I have been forced to file complaints with the CFBP, Florida State Attorneys Office and the HOPE hotline for the HAMP program in regards to the unprofessional delay in processing my paperwork for a modification The delay from Select Portfolio Servicing in regards to the modification has made me ineligible for the XXXX as well based on a conversation with a representative from there. The representative with the XXXX stated I was ineligible due to the fact that my arrears are over XXXX and my home was in foreclosure too long. As of today I have sent Select Portfolio Servicing a whole new complete packet by certified mail, fax and over there website. I have also requested in writing that my review be escalated. I also need your company to answer a question for me. The manager at Select Portfolio Servicing stated that they have an underwriting department that my paperwork will go to when all documents are received and if I have to appeal the decision after the review the appeal will go to the same underwriting department for review again. I was under the impression that if it is an appeal then a XXXX party underwriter has to process the review. So my question is can the same underwriting department with in the servicing company look at a possible modification of the loan after denying it once already? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went on line to ask for a Bank of America account, I have had two before and I am a victim of Identity Theft. I have faxed in both police reports to the three credit bureaus and to as many of my accounts including school loans. I went in to XXXX XXXX XXXX to discuss the accounts and about reopening up one. When I saw him on Saturday the XXXX of XXXX and I also took in one of my police reports that was from 2013 with the IRS. I showed him the report or at least placed it on the table. XXXX XXXX XXXX was very polite and professional. Asked for me to come back in the week so he could call in and get authorization and to override my previous accounts. I called XXXX XXXX on Monday and I left several messages. XXXXXXXX, XXXX, XXXX, we basically were playing phone tag with each other. The number I called was XXXX, when finally speaking with XXXX XXXX, he mentioned he was waiting for a call/authorization and he would let me know, to wait for a call from Bank of America by XXXX. Around XXXX I received a call from XXXX XXXX and stressing that I owed money did I want him to tell me the amounts owed to Bank of America XXXX I can fax you the police reports and can someone let me know what my rights are as a Victim of Identity Theft and thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a public record on my TransUnion credit report from " MINNESOTA FEDERAL COURT. '' There is no recorded judgment from this creditor. I have disputed in the past with TransUnion, and it has come back verified. I went on to request that TransUnion provide me with the method by which they verified this public record, and they have repeatedly failed to provide me with any such information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a vehicle from DriveTime XX/XX/XXXX, they reported to credit bureau for 3 months and now state my information had to be deleted because of a bankruptcy that discharged XX/XX/XXXX..three years prior to opening this account. They continue to tell me that the credit bureaus will not allow them to report because of my bankruptcy and this is discrimination and negatively impacts my credit worthiness for no reason as this should have had no impact. My loan agreement and rights support credit bureau reporting and I want my information reported correctly and for the discrimination of bankruptcy accounts to be rectified. 

Company response: Company chooses not to provide a public response