AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have an auto loan through credit acceptance, I have monthly payment due for the XXXX of each month. I did have auto-pay set up for this monthly payment however, I canceled the auto pay because payment was being taken from my account but not documented, I ended up being behind 2 monthly payments as they stated. I received nothing in the mail about this or any phone calls. I actually called them to take auto payment off, at this time they informed me i was 2 months behind even though my bank statements showed differently. They then informed me that they do n't contact their customers with these issues. I informed them that I would make the required payments as soon as possible. The next day they repossessed my vehicle, I have to pay the required fees and payment to get my car return, they completely trashed my car, kept personal items including my title and all personal documents in the glove compartment and have yet to return them. This company will not allow me to set-up payments according to my pay periods and because, of this I am always paying late payments. They will call me over XXXX times a day from unknown numbers, from block numbers, numbers from different states and leave automatic voicemails everyday. Everytime I speak to someone to set-up a payment, the next day they continue, no XXXX documents any of the calls or payment arrangements I have made. I have been hung up on, threats to have my car repossessed even though I have never been a month or more behind. I have been asked personal information about my banking accounts and working situation that they should n't be asked, and when I inform them of the harassment I am hung up on. I have asked them to no longer contact me by phone but by mail and they refuse to do so, they stated that they do n't have a mailing system set-up to do so. All my payments are made through XXXX XXXX and till this date I have yet to receive any documentation in mail from this company regrading my loan, balance, or any issues relating to my account. Instead I get these never ending calls. My account has never been over a month late if anything 2 weeks late and I still get these threats.This is the worst auto loan company ever, I am currently trying to get it refinanced through a bank or credit union. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America sends me checks in the mail each month as part of a promotional effort to reduce credit card rates. I have told them that I do not want these checks sent to me, and they continue to send them. How can I get them to stop? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have discovered the enclosed Assignment of Mortgage on my loan was robo-signed by serial robo-signer XXXX XXXX. 
Robo-signing is illegal in the State of New York. Therefore, making the robo-signedAssignment of Mortgage on my loan fraudulent. Mortgage Line Financial Corp., aNew York Corporation did [ n ] ot exist on XXXX XXXX, 2011 and XXXX XXXX was [ n ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc on that date. 
Mortgage Line Financial Corporation was also [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ) on XXXX XXXX, 2011, whom can be reached for verification of this fact at ( XXXX ) XXXX or toll-free ( XXXX ) XXXX ( Monday through Friday, XXXX XXXX to XXXX XXXX ). 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX collection agency on XX/XX/XXXX, they garnished my accounts and then they tried again and again but the Bank, charging me those ilegall attemp to my accounts and they knew I did not have money on those accounts.So that 's Debt is not mine is from XXXX XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Paid off my mortgage on XXXX XXXX 2015. Contacted customer service weeks ago inquiring about the PAID IN FULL LETTER and was told it was sent out weeks ago. Continued to call customer service a week ago and this time was told THERE IS NO INDICATION IN MY ACCOUNT RECORDS THAT THE LETTER WAS EVER SENT OUT. Called again this past Wednesday and this time was told by the supervisor that she would email it to me, but first she asked me WHY DO I NEED IT. All we want is the PAID IN FULL LETTER AND instructions on how do we obtain the DEED to the house. Have asked customer service about this but they are unwilling to answer my questions. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: My loan payments are current. They are calling me and the co-signor every XXXX minutes from morning until night. When I do answer the phone and talk to them they see that I am current and state that it is a " glitch '' in the system. However they are still calling every XXXX minutes to both of us and this has been going on for at least 3 weeks now. I am getting ready to call an attorney. Please help. Thank youXXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have paid these people over {$3000.00} on a XXXX acount they say I still owe them {$1500.00} ..I told them that I live on social security and can not pay the illegal usury interest rate of 1000 % .I am XXXX old. this guy would not give me his name but he at XXXX XXXX. on XXXX/XXXX/2015 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Escallate LLC is demanding that I pay {$450.00} for the doctor I saw while in the XXXX of XXXX XXXX XXXX Hospital ( XXXX ) on XXXX/XXXX/13. I could not afford healthcare at the time of service and as the attached documents show, all amounts due as a result of NECESSARY medical care were waived with a XXXX % charity discount by XXXX XXXX. I contacted the physician 's billing regarding this matter and was informed to forward my letter of acceptance from XXXX XXXX so that my account could be verified and the balance updated to {$0.00}. Despite providing this letter as requested, the account was not updated and Escallate insists that I owe {$450.00} for an amount that was written off by the physician. Not only is this incorrect, my credit has been seriously impacted as a result. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, I was charged the annual fee of {$95.00} for my Citibank XXXX XXXX Mastercard. On XXXX XXXX, I was informed by Citibank that they were closing all of my credit card accounts against my wishes. The only reason that they gave for closing my accounts was that they no longer wished to do business with me. I contacted Citibank to have the annual fee refunded and they refused. If my account had not been closed by Citibank, I would have had XXXX days after the posting of the annual fee in which to close the account myself and not pay the annual fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, XXXX has constituted sending me an invoice for payment on an account from Wachovia Bank. It appears that several of these debt collections agencies are attempting to collect on this invoice. This is n't the first time I 've seen this bank just different collector. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I mutually agreed that I would stay home and raise my daughter over the years. Now he has decided that he no longer wants to bear the burden and has cut us off financially and left us. He has always taken care of these matters and I have no idea how to proceed. I know that I have received notices but the strain has made me ill and I have been admitted to the hospital on a consistent bases - I am constantly fatigued and faint. Please, I am asking just for a short postponement of our foreclosure dates so I can short sale it, perhaps salvage some of my credit when I get on my feet. I can take care of myself and my daughter - I just need a little time. My realtor tells us she faxed everything to DiTech XX/XX/XXXX but we have never heard anything from them. Please help us. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed an attempt to collect by Enhanced Recovery Company , LLC on XXXX/XXXX/2015. Although being told I would be cleared of this debt, it shows up on my credit report. This debt is not mine as I told their representitive. This is the SECOND time within one year I have had this issue with Enhanced Recovery. Am I to assume that everyone with the name XXXX XXXX now has this on their credit report? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I live in New York XXXX and I have a Bank of America credit card which I used to book my travel XXXX, through XXXX Airways, online. 
To my surprise, I saw in my CC statement, that BoA has charged me XXXX Transaction fee even though the transaction was in XXXX XXXX as confirmed with XXXX Airways, and as stated in the invoice from XXXX Airways XXXX. I tried contacting the Bank through online chat, through calls and even walked over to the Bank. But the response from them was for me to check the Credit Card agreement which clearly states that the Bank would charge me a XXXX transaction fee. I however, kept repeating that this was not a XXXX transaction since the payment to XXXX Airways was in XXXX and not in XXXX. 
XXXX of their executives in the Claims department went on to say that because i was flying outside XXXX they consider it a XXXX transaction. Which does not make any sense to me. 
A XXXX transaction would be one where my Bank would have to pay to the vendor in a currency different from XXXX. That did not happen here. 

Company response: Company chooses not to provide a public response
Consumer complaint: Under the counsel of my HUD advisor, I had sent an appeal request to my lender US Bank Home Mortgage in regards to a denial letter dated XXXX/XXXX/2015. According to their denial letter, my appeal needed to be submitted no later than XX/XX/XXXX XXXX,2015 I sent my appeal letter directly to my relationship manager as well via certify letter on XXXX/XXXX/2015, and I also gave my relationship manager a call letting her know that my appeal letter had been sent. ( left a voice mail on XXXX/XXXX/2015 ) no response. I left a second voice mail on XXXX/XXXX/2015, no response. Being concern that I was hearing from my relationship manager, I called again on XXXX and talked to another agent from US Bank and I was told my she would pass on the message to my relationship manager because she was the one in charge of my file. 
On Monday the XXXX, I had a missed call from XXXX XXXX XXXX, my relationship manager, I called her back on this day ; but I was not able to talk to her. Finally, XXXX XXXX called me on XXXX telling me that because I had sent my correspondence to the wrong department, US Bank Mortgage, XXXX XXXX XXXX XXXX, MN instead of US Bank Home Mortgage, Escalation Center, XXXX XXXX XXXX XXXX, MN. and despite the fact that I had also faxed the appeal letter directly to her on XXXX/XXXX/2015 they were no longer considering my case, and she suggested to sell the house. 

I related this answer to my HUD counselor and she advise me to contact as soon as possible the Consumer Financial Protection Bureau 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX as Assignee Gamache and Meyers have garnished bank accounts after the statute of limitations has expired in Missouri. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hi, I had a financial situacion on XXXX and I owned {$1700.00} to XXXX XXXX I couldn'n pay because I loose my job. The bank made a charge off on XXXX XXXX. After that CACH , LLC AND XXXX ; opened a judgment case # XXXX and they order a earning withholding. I already pay the amount of {$3500.00} and the last withdrawal was on XXXX XXXX XXXX. Until this date they have n't report to my credit file that I already pay the full amount. This situation is affecting to my credit record because I tried to buy a house and the lender wants the information about the case. Please can you help me with this matter? I already called both companies. CACH LLC told me that XXXX XXXX XXXX needs to send the information to the Credit Bureau. XXXX sent to me to CACH LLC.because they do n't have information about this. 

Company response: Company chooses not to provide a public response
Consumer complaint: I never lived atAddress : XXXX XXXX XXXX XXXX, WI XXXXAddress identification number : XXXXType of Residence : Single familyGeographical Code : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I rented an apartment from a company - when I moved out they claimed I had a balance due. They are incorrect and are trying now to collect on a balance that is not correct. I have paperwork proving otherwise. 

They have sent me to a debt collector - I 've told the debt collector I deny the debt - the debt collector has mailed me a " proof '' of the debt - nothing signed saying I agree to the debt - just a " bill '' for something that is incorrect. 

I 'm told I will need to hire a lawyer to even begin to fight these guys and they are suggesting they are going to start reporting me to the credit reporting things. 

What can I do to fight this without having to waste time and money going to court to prove something I 'm not responsible for? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had my ID stolen in 2012. I had reported this to CMRE Finance and all the credit bureaus, they still have not taken this off my credit yet. What do I do? 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, XXXX I would like to file a complaint against US.bank, who sold the property to a third property, but when the home was foreclosed, I did n't find out that USbank had any interest until I received an unlawful detainer and USbank was at the top of the list. When the home was foreclosed, it did n't sell at auction, and reverted back to the bank, but nobody would say which bank. When I received the unlawful detainer, I immediately went to a local branch located @ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, I spoke with the branch manger ( XXXX XXXX ) on several occasions from XXXX XXXX, until as recent as XXXX XXXX and while I was there he would call the back office, and USbank would never acknowledge ownership, nor could they identify me by account number, address, or social security number, yet the third party speculator claims they purchased the property from them. I went to XXXX to help me through the process and on paper it was made look like US.Bank was the highest bidder, but that 's not the case, it reverted back to the bank, and I recently have documentation from XX/XX/XXXX ( Enclosed ) where USbank is affixed at the top of the list. I would like to discover why they could never identify me, and banks are allowed to play this game of keep away from distressed homeowners trying to reach out to save their properties. I am contending that USbank sold a property that they had no right to sell, they know that and if I just give up, they win. I want this investigated ; I should at least be given the right to a jury trial. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I took out a {$2600.00} loan with XXXX XXXX/CashCall in XXXX 2013. Payments started in XXXX 2013 and as of last month they wee still taking out {$280.00} - {$290.00} with the balance of my loan barely changing. They 've taken over {$8000.00} from me and are starting to harass my family members and letting them know I owe for a loan all because I stopped payment. They 're a bunch of crooks. How can one make these payments all this time and yet the balance on the loan has n't really changed? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Municipal Collection Services XXXX Inc. ( MCIS ), has repeatedly called to collected on this item that the XXXX XXXX XXXX XXXX XXXX had received payment. The XXXX XXXX XXXX XXXX XXXX also informed me to pay them directly. This was communicated to MCIS in XX/XX/XXXX 2015. I communicated this again to MCIS on XXXX/XXXX/15. I have and is requesting that MCIS verify information and remove completely this negative information from my credit report immediately. Simply reporting information as paid is insufficient. I am requesting it be removed asap. Furthermore, MCIS provided me with no written documentation or communication about this action ( placing of negative information on my credit report ) in anyway. This information was place on my credit report with no documentation or communication to me. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX XXXX XXXX AND 2 CREDIT BUREAUS, XXXX AND TRANSUNION KEEP REPORTING OUTDATED NEGATIVE INFORMATION ON MY CREDIT REPORTS. I TALKED TO XXXX XXXX XXXX AND THEY TOLD ME THAT THE CREDIT BUREAUS ARE RESPONSIBLE FOR REMOVING THIS INCORRECT INFORMATION. 
THE CREDIT BUREAUS TOLD ME THAT THE BANK IS RESPONSIBLE FOR REMOVING THE OUTDATED INFORMATION.? WHO IS CORRECT?? PLEASE HELP ME RESOLVE THIS MATTER. THE ACCOUNT IS OVER 7 YEARS OLD!! 
. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a citi aadvantage credit card, but have n't used it for the last 3 years. I have n't received or activated the replacement card. When I checked my credit report last week and found out i was charged with annual fee every year without having or using the card, I called citi bank to ask to waive the fee, but they refused. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attended a presentation in XXXX, and the company ran my credit card for almost {$31000.00}. I did not authorize the charges. I revisited the merchant after seeing the charge, they provided me a letter stating they would refund my monies. this never occured. I called Citibank my card issuer, opened a fraud dispute at the customer service reps advice, heard nothing until XX/XX/XXXX where the case was closed as they stated this was not fraud it was billing dispute. I did speak with the investigator, she asked me to send in a notarized copy of the situation and then I opened the billing dispute. Weekly I have been contacting Citibank with no resolution, and this week they told me that too much time has elapsed and they could not assist me. there was not any moment I waited longer than 48 hours to return any documentation they asked for, and the initial charge back was open within 10 days of the charge. Since XX/XX/XXXX the merchant has disconnected their phones and removed website. I have asked the issue for arbitration, and they have told me I can not request arbitration on this issue as they need to open arbitration with the acquiring bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have had difficulties in paying our loan to Bank of America. Tried to set up electronic payment through our bank ( not a BOA ) when our loan was bought by BOA and the first month was a nightmare of issues of BOA, so we ended up sending a check but made it so we could track when it was received. Took 3 weeks to show it had processes. We were able to set up electronic payment ( not automatic withdrawal ) the next month. But it takes more than XXXX attempt to electronically pay. XXXX month it took XXXX attempts before it was able to successfully be paid and that was after us calling to complain and after BOA sent us a default notice by certified mail! It had only been 3 weeks and XXXX attempts to pay BOA. And when I called about the default notice, I was told there were no problems with my account. And that BOA sends the notice to all WA residents as information on our rights as WA residents and it was not a notice of default. I have spoken with a representative at WA XXXX XXXX XXXX XXXX and was told that BOA may have sent the notice after our XXXX payment being late ( 3weeks! ) but it was definitely a notice of default not just a informational letter as I was told when I called BOA. BOA has been extremely frustrating to work with since our loan was purchased by them 5 months ago. 

Company response: Company chooses not to provide a public response
Consumer complaint: my credit report shows someone else 's name under my social security number. 

Company response: Company chooses not to provide a public response
Consumer complaint: Macy 's credit card services recently underwent an online site update that has made it impossible for me to view my statements or update a payment. Without my consent, Macy 's changed my automatic payment from minimum+ {$100.00} to simply the minimum payment, causing me to incur interest I do not want to pay. When I talk to customer service they say they can not fix the issue and that I have to login to do so. Macy 's online site has been unavailable for weeks and I am now going into a XXXX billing cycle with this problem. Also, because I have electronic statements, I can not view them. Macy 's refuses to fix the issue with my account and therefore I am not able to review my account, check it for fraud, etc. They also refuse to give me any updates on when the issue will be fixed and frankly will not speak with me regarding the source of the problem. They only state " we do n't know when it will be fixed, try logging in tomorrow. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt validation was requested but collection agency never responded to request. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: owed XXXX to B O A, house was sold thru short sale, this was paid and for gave as of XX/XX/2015 in full. 

Company response: Company chooses not to provide a public response