AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I received a letter of threat that I had 15 days from the date of a letter to pay a debt or they would file suit against me in court. The company then I called and they said I had 15 days to pay or they would send me a confession of judement in order to keep this out of court. I then told them I wanted all paperwork of verification sent to me and I would make a payment of I believe {$140.00} till I could see what this was about. I never received anything but a confession of judgement. I then set up a payment plan over the phone with them and sent the papers back. I emailed them and requested through many calls to get copies of the paperwork and bills to prove the amount. Still nothing. When my payment date came up I called to make a payment they denied me that opportunity said they never reeived the signed copy of the confession of judgement and then said they had already filed the lawsuit with the court. I said you never sent me anything in the mail or called to tell me you did n't get the paperwork. They said the only thing to do is sign a consent judgement. I then had the FTC on the phone with a recorded conversation of them dening me the option to pay. And also me requesting to have the verification documents sent to me. They still did nothing. I have yet to get any verification and they went ahead and said that I denied the service papers to the court when I was never served with papers at all. I sent them a consent to judgement because they threatened me numerous times on taking my paycheck which is only {$350.00} every 2 weeks. I have never receivec any proof of the amount owed on this debt and have around 10 emails asking for the proof and them responding. With what proof to you need. I said bills transactions. They told me that it was around XXXX pages but will not send anything. I was tricked into signing papers for consents and confessions by them and this was all in a 2 month time frame. I even sent them a 20th email stating that I will pay a settlememt of {$500.00} with proof of the debt they denied a settlkement offer. This company needs to be stopped. 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX, and my Spouse is XXXX XXXX, who is not on the Mortgage, but is a contributor to our living expenses. We were both forced into retirement because of XXXX condition, and would have applied for a Reverse Mortgage, however, we are upside down on the Mortgage. 
We applied for a XXXX Modification with our Lender, Ditech and we were told in a letter dated XXXX XXXX, 2015, that we are making too much money and there are no hardship, simply because we have been using our savings to remain current. DITECH use a technique, to 'GROSS UP '' our Social Security Income of {$1600.00} to {$2000.00} making us unqualified. 
We we questioned this technique, they said in another letter, that XXXX XXXX is the owner and because we are in a Loan Modification, XXXX XXXX will not honor another Loan Modification. 
We obtained our Loan from XXXX Bank, a predatory lender in a XXXX package using the Second Mortgage as a down payment and a 5 year Hybrid Adjustable Mortgage, and a search of our records does not show that the Loan was transferred to Ditech according to the Respa Laws of Florida. 
We have requested that Ditech produced records of the Loan Modification that they are saying we have, also produce the Transfer Assignment of the Loan to Ditech. To date we have not received any response. 
We have also contacted XXXX XXXX to produce the record of a Loan Modification, and have not heard anything as of this complaint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: " XXXX '' has called my roommates number every single day, has called my number several times a day, has called my mother and brother-in-law several times and has also called me at work at the hospital more than several times. On one occasion she spoke to me, so she knows that I am aware of the debt, and I ca n't receive personal phone calls at work. Yet she still calls, even today ( XX/XX/2016 ). She refused to deal with the credit counseling company even after I signed a power of attorney for them to negotiate my debt. I told her I was going to seek the advice of counsel for all my debts to see what I should do, and she spent 30 minutes on the phone telling me why I should n't do it while I was at work. I ca n't tie up the phones so doctors and other XXXX or the XXXX ca n't get through to get results. She obviously does n't understand that. She was told again today by the XXXX manager that I ca n't receive personal phone calls at work. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: someone used my information to obtain a loan on a vehicle that I have never owned. and it is showing up on my credit after notifying the company that my stolen identity was used to obtain this loan no 0ne would ever respond this is after getting a police report and notarized id theft affidavit as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a combination of fraud/scam and unauthorized transactions. US Bank is selling XXXX Prepaid Gift Cards which are n't activated properly upon purchase though the activation slips after purchase indicate they are activated and nothing is wrong. US Bank then forces you to fax in all the card information to their " activation center ''. You do not receive any calls from the activation center, but then the card will be furtively activated without your knowledge and the funds drained. Either US Bank is complicit in supporting this fraud, or they are completely negligent for allowing this to happen. I have attached for reference the images and fax that I was forced to fax to them to have my card activated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited my paycheck from the state of California at a Bank of America teller on XXXX/XXXX/16 for {$16000.00} at XXXX branch. Bank is saying they have no record of the check. They have refused to credit my account. I have a receipt that they issued when I deposited the cheque. What should I do? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been disputing with all three credit reporting companies and have gotten nothing resolved. I have been the victim of bad credit since I can remember. My credit score has always been in the XXXX 's due to improper reporting. This has caused me to continuously get denied for credit and pay very high interest rates on auto loans. Every time I shop for an auto loan the car dealership sends out my application to different banks ( shotgunning ) the credit companies report every single inquiry on my file. I get denied credit because too many inquiries. Credit companies try to tell me all those inquiries on my file only counted as XXXX and did not affect my score. That is the farthest from the truth. They count and that is why my credit score has never reached XXXX. I have also disputed other inaccurate information in my file and each and every time it remains un resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, CA - XXXX XXXX/XXXX/2016 Wells Fargo Bank, Customer Correspondence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, NC XXXX Dear Wells Fargo Bank, RE : Bank Associate Given my Accounts details and New ATM card to another Customer Account # XXXX Today XXXX/XXXX/2016 around XXXX I got a Wells Fargo phone alert Debit card ending # XXXX try to ATM Cash withdrawn at XXXX XXXX ATM and due to incorrect PIN transaction has been denied .I got so many alert ( screenshot attached ) and after that I called your call center and stop that above ATM card. 
Even I did n't order any extra ATM card at all past few years. 
After few mutinies later I got four emails from your bank and says I have been changed mailing address / Phone number / Customize Summery Details and Cancelled Wells Fargo Surepay Mobile ( screenshot attached ) .As soon as I log in to my online banking, I seen they have {$200.00} XXXX ATM Cash withdrawn and another {$82.00} ATM Cash withdrawn. I am so shocked and I live in XXXX XXXX and how possible ATM withdrawn while I am in XXXX XXXX. I Called again your call center and informed that my account some fraud activity. 
Agent says Wells Fargo XXXX XXXX Branch issued new ATM card today. How is possible? Without any verification how your banking associate did issued ATM card and that 's the reason another person withdrawn money from my account. And Banking associate update new mailing address and personal contact information to. ( screenshot attached ). 
Good thing is I called your call center and cancelled ATM Card last for number ending # XXXX. 
I am still disappointed and this is serious issues. I should ask legal help this serious matter I need my new ATM Card as soon as possible and Delete my profile XXXX XXXX mailing address. 
Your Bank looking in to my complain serious issues and take an action as soon possible. 

It 's wo n't be happened for future customers .and You should reverse that Amount {$200.00} and {$82.00} as soon as possible. 

If you need any more details contact me ( XXXX ) XXXX Thanks XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: This is the latest of about XXXX Companies wanting to collect money from a " XXXX XXXX ''. The calls have been occurring about every 4-6 months since 2011. There is no XXXX XXXX at this address/phone number. We have turned in XXXX other fake Company in the past because they started using threatening language. Please shut these guys down- they will never get money from us. They are simply annoying now. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: CitiCards is not Protecting Consumers from FraudAfter exhausting all avenues with Citi and spending a ridiculous amount of my time, I am turning to CFPB to file a formal complaint against Citi for failing to protect their consumers from fraudulent and unauthorized charges to consumer credit cards. 

First, I have maintained a long-term FICO credit rating above XXXX, so I am well respected among the credit and banking industries and this is not a claim without merit. 

Secondly, I have had a CitiCard fraud-proof credit card for more than 15 years in good standing. By fraud-proof, I mean this card is supposed to be guaranteed against fraudulent and unauthorized charges. It has no magnetic strip on the back, no raised account number or letters on the front of the card, and I only use it for internet type purchases. 

History : The XXXX Report or ( XXXX XXXX or other names they go by ) fraudulently and without authorization charged my credit card number they had on file since last year for {$490.00} on XXXX/XXXX/15. 
CitiCards sent me an alert email on XXXX letting me know a large charge had just been placed. 
I contacted XXXX the very same day, XXXX/XXXX/15, asking them to remove the unauthorized charge. 
On XXXX/XXXX/15, XXXX sent an email refusing to remove the charge. 
Since then, XXXX has refused to answer phone numbers or respond to numerous email requests. 

Complaint:1. CitiCards handled this claim as a dispute vs. and unauthorized or fraudulent charge. 
2. CitiCards did not honor my request to remove the unauthorized charge and the Citi investigator incorrectly claimed there were conflicting statements, which means they either did not spend the time to read the responses in their entirety, did not feel it was worth their time, or they just misinterpreted them. 
3. There is no way to counter the Citi investigator 's response as Citi 's first level call center personnel can not acknowledge the investigator made a mistake or did not perform due-diligence in resolving this matter. They claimed it was an irreversible decision. 
4. CitiCards did not protect me from the either fraudulent or unauthorized chare on my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a home equity line of credit with XXXX XXXX in the amount of {$100000.00}. I am using this line of credit to pay for home improvements. XXXX XXXX would not increase the amount of credit which is insufficient to my needs, so I applied for a larger line of credit with Bank of. After I had applied, BofA, without my authorization, sent a notice to XXXX XXXX that they intended to pay off my XXXX XXXX XXXX ( balance is around {$9000.00} ) with my BofA loan. As a result of that notice, XXXX XXXX froze my line of credit which makes me unable to pay for the renovations that are ongoing. I owe contractors thousands of dollars in the coming days. To unfreeze my loan, XXXX XXXX requires that BofA send in writing a notice that they are rescinding or voiding the payoff notice. BofA refuses to send this notice. As a result, I no longer have access to funds under the terms and conditions of my XXXX XXXX loan which I have fully abided by. BofA should not have sent, and XXXX XXXX should not have acted upon the payoff/freeze request without my authorization. 
Please help me resolve this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a gift card on XXXX/XXXX/2015 in the amount of {$250.00}. I attempted to use the card in the evening on XXXX/XXXX/2015 and it was declined. I called the customer service number on XXXX/XXXX/2015 and a representative told me that the cashier must have activated the wrong gift card but that she could see the money. I was instructed to fax over some information ( front/back of card, activation receipt, name, phone number, email address, contact time preference ). I did this on XXXX/XXXX/2015. I called back on XXXX/XXXX/2015 to inquire on the status of the fax and was told that it would take 7-10 business days after the fax was received. I asked to escalate the issue and that group informed me that it was n't an activation issue. He said someone had tried to use the card twice in XXXX so when I purchased it in XXXX they decided to not activate it. So the company is holding onto my {$250.00} and giving me the runaround on how to get it back. I 've called them XXXX times ( with a hold time of no less than XXXX minutes ) and every time I receive a different set of instructions. I just called again and they said they were waiting on my fax. I stated that I had already faxed it in so they placed me on a brief hold. They then informed me that they had received my fax and were waiting on additional action from me. I would now need to fax in my address and that the voicemail left on XXXX/XXXX/2015 stated that. I replayed the voicemail to make sure I did n't miss anything. I have been unsuccessful at every attempt made. I feel this is fraudulent and misleading. If the company knows that an attempt has been made to use a gift card prior to it ever being sold, they should not be allowed to take the consumer 's money and have them scrambling trying to recover it. This company knowingly sold me a useless gift card with the knowledge that I would not be able to do anything with it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Collection agency took over claim in XX/XX/XXXX for a medical visit that took place in 2010. I had previously paid this medical provider, albeit somewhat late. ( The bill was for {$44.00} - it was not a life shattering event creating out of control medical bills. I was simply having financial problems as evidenced by later events. ) Even if I had n't paid that bill, by XX/XX/XXXX, I had filed a Chapter XXXX bankruptcy and the collection agency should rightfully have filed a claim with the trustee, but they did not. Any valid claim would have discharged with the bankruptcy in XX/XX/XXXX, yet the collection agency was not included in the trustee 's list. Perhaps because it was not a valid claim? To add further insult to injury, this collection agency never sent me any bills or notice to back up their claim. Perhaps they tried to call, but like so many other debt collectors that I dealt with during the course of my bankruptcy, they would either refuse to leave a message on my phone or simply hang up when I answered. When I tried to call back, the phone would either go to a busy signal or was not a phone that could receive in-bound calls. 

In any case, the collection agency has gone around the federal bankruptcy court, ignored the orders of the trustee ( again, assuming they had a valid claim ) and now tried to " reset '' the clock for a bill that was incurred XX/XX/XXXX, which I understand to be in violation of other laws. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX XXXX, 2015 I tried to deposit XXXX checks into Bank of America 's ATM ID # XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The ATM made all kinds of crazy sounds, took my XXXX checks in the amount of XXXX, XXXX and XXXX totally XXXX. ATM gave a message of something like ERROW and kept my XXXX checks. The ATM did spit out a receipt stating " We apologize for the inconvience. We are unable to process your request and can not return your items. I have the receipt if needed? 

Bank of America 's claim number is XXXX, I spoke with XXXX in ATM Fraud Dept. 

Today I call Bank of American 's Customer Service number on the back of my Debt Card twice. After going through all the phone prompts, a message came on saying " due to unforeseen circumstances we ca n't take your call ''. Then the phone call is disconnected. 

I want the XXXX checks found in this ATM and my account needs to be credited XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I Deposited XXXX checks at a TCF Bank that I received from a online casino. ( Winnings ) They said it would need to clear casino account before I could withdraw any funds, understandable I said. Total of XXXX chks {$6000.00} I checked with the bank XXXX XXXX later and checks were good, no problem. 
Another time I took a larger check ( cashiers ) for {$12000.00} from a online casino. ( winnings ) they said I had to pay them {$120.00} to get verified & same wait to clear!! I questioned it but they insisted so I paid the fee, checked XXXX XXXX later the bank said the check was a fraud. 
I never withdrew any funds nor did I receive the check back either, now I see they reported on my credit ( XXXX XXXX ) record as a bad check!!!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I get constant calls from ERC ( XXXX ). We owe no debt aside from home mortgage ( which is paid on time ). ERC calls are on a daily or weekly basis. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After 4 years of applying for home modification with Bank of America, I received XXXX earlier this year. There are several issues that I have been trying to resolve and BOA has given me a run around. Issues include a new loan principal that is more that the previous principal, this new principal is more that what I had purchased the house for initially and my home value is no where close to this loan amount. While seeking modification, I have continue to pay the bank my mortgage albeit not the entire amount. Upon modification, there is not a trace that I had payed BOA save for my own bank statements. The money simply vanished. The documents I signed also are very suspicious as there are too many inconsistencies. I was told by an agent from the bank I should be happy I got the modification and I am not eligible again if I do not accept this mod, and I constantly had foreclosure threats leveled at me for the past 4 years. BOA reset my loan back to 30 years, did not reduce my interest rate and has tagged on a {$50000.00} fee that is due at the end of the 30 years and have not been able to explain the origin of this back-end loan. The only evidence of the existence of this bogus loan and my responsibility to pay it as a lump sum in 30 years is no where else but the modification papers. 
XXXX spoken to a few mortgage law experts, it seems there are quite a few violations with the loan and the whole process surrounding it. I would like an answer to all these issues once and for all and and hope this gets resolved soon. 

Company response: Company chooses not to provide a public response
Consumer complaint: We are have been trying do a loan modification through a loss mitigation application with Green Tree Servicing now Dietech Financial, LLC. since at least XXXX 2015!!! We had a court date with a attorney representing Dietech and a XXXX XXXX courthouse employee on XXXX/XXXX/2015. That meeting ended with an extension until XXXX/XXXX/2015, because we had received via U.S. Mail a request for XXXX more documents of information Dietech needed for the XXXX. time!!! Dietech gave us 30 days to get that information to them and we faxed them all the information before the deadline!!! Instead of Dietech sending me another letter to save time, our last representative during that time frame called me on the phone and told me to refax some of the documents that did not come through to them clearly and that was done that day or the next day at the latest!!! This was confirmed by my Dietech representative via an XXXX minute phone conversation that I generated on XXXX/XXXX/15, because on XXXX/XXXX/15, I received a letter from Dietech, stating that the loss mitigation application that they were reviewing will not be reviewed at this time, because they did not receive all the requested information which they did!!! Dietech continues to stall the loan modification process by telling us that the information that we sent them already had either expired or they did not receive it all which they have, because the faxes went through to the right number!!! This is at least the third time that they have done this since XXXX 2015!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a XXXX, currently unemployed. I was looking at options to finance my education, and wanted to know if I had enough ( any ) credit built to take out a student loan without my parents cosigning. My free credit report did not display whether I had any credit established, so I paid XXXX {$1.00} for a full credit report. I got the report and saw that I did n't have any credit built so I would have to get my dad to cosign. 
Flash six months later, I recieve a text message from my bank telling me that I have overdrawn my account. It could n't have been possible, because I have n't been using that card. I looked at my bank statement and noticed that I have been receiving monthly reoccurring charges of {$19.00} since XXXX 2015. XXXX automatically signed me up with out me knowing to a monthly subscription with TransUnion. I had no idea this was happening, and the customer service department was extremelt insensitive when I explained the situation. I do not have an income, and I do not have any credit for them to monitor. It was disingenuous to sign me up unknowingly, especially for a purchase that was not authorized buy the card owner. They will not refund me. I want the company to be held accountable for what they did. 

Company response: Company chooses not to provide a public response