AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a car 72 month fixed rate Loan with BB AND T bank. 
I never had late payment I always make payment on time but the interest keeps going up. 
I want to know why it 's keeps going up. I usually pay total {$470.00} per month with interest of {$61.00} BUT it keeps going up and I 'm currently paying interest charge of {$75.00}. 
I want to deduct principal so I pay extra per month but the bank always charge more interest every month. 
I need help. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting an account with XXXX XXXX twice and both are showing charged off with a balance. There was only XXXX account and I have spoken to several people at XXXX XXXX about this issue. XXXX XXXX indicated there was just XXXX and there was no balance because it was an account they were given from a different company. The letter that I received from XXXX XXXX and forwarded to all three bureaus shows there is no money owed along with a contact person 's name phone number. I do n't understand why Experian continues to report it twice and with a balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed the charge for the service that has not been provided. However, the bank refused to give a full refund claiming that they are not able to collect money from the merchant. This is not has been promised in their dispute policy. This is the main reason I use credit card as it is a safer way of doing business. Credit Card should honer their policy and issue a full refund. And if they can not make the merchant pay them back they should not allow this merchant to use this system. 

Company response: Company chooses not to provide a public response
Consumer complaint: Midwest Acceptance Corporation is trying to recharge me for a car loan that has already been paid off. I appeared in court twice specking with Midwest Acceptance Attorney 's and showed proof that the car loan was paid off and I no longer owe them. However, I have another court date about this matter on XXXX XXXX, XXXX. Enclosed is a copy and proof that Midwest Acceptance Corp. no longer has a Lien on the XXXX Ford. Here we see that the names on the acceptance letter. They noted that the interest on the XXXX Ford was satisfied as of XXXX/XXXX/XXXX they also released us the title. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am filing a dispute because I can not add to my previous dispute. I sent in all documentation for loan mod. I was then requested to send in additional documentation with letter received on XXXX/XXXX/XXXX. I faxed on XXXX/XXXX/XXXX and did not receive any response that it had been received. I also called and left 2 voicemails for SPOC on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX stating I sent over documentation. I then refaxed on XXXX/XXXX/XXXX and I also sent overnight via XXXX to atten XXXX XXXX on XXXX/XXXX/XXXX. It was signed for the next morning. Yet on a letter dating XXXX/XXXX/XXXX from BSI/XXXX XXXX which was received XXXX/XXXX/XXXX It stated that they did not receive the XXXX documents requested. This is obviously untrue and I am attaching all documents proving that with the tracking info and fax confirmations. Again this is violating the laws of dual tracking in California. I have also requested numerous times by email, voicemails, faxes and mail to have XXXX set up a time for phone conversation because voicemail is all that I get. I have kept records and recorded all messages I have left with dates. Per lawyers request as well. I am tired of getting the run around on this. I have disputed random charges of XXXX they are claiming and the total amount that is due. Because between XXXX to them all I wanted and requested was to modify so I can make monthly payments or reasonable repayment plan. I can make payments my finances prove that but due to XXXX never contacting me after XXXX QWR ; s or sending me any monthly bill nothing has been done. I will not accept over charges but will pay my monthly bill. BSI took over the loan and that also means that the responsibility of correcting statements when I prove what is owed. I am also including all of the emails to set up online access and customer service that has never received a response since XX/XX/XXXX. I am also including the only monthly statement I have received from BSI which has no information on it. These are all proof of violations that I have copies of. The XXXX subsequent words ) was ignored because we limit queries to XXXX words. 

















Did you mean : Some common violations of the XXXX include : ( a ) dual tracking, XXXX b ) robo signing, ( c XXXX failure to acknowledge receipt of loan modification documents within 5 days, and ( d ) failure to appoint a single point of contact for loss mitigation efforts. In our opinion, these are all " material '' violations I can make monthly payments and I am not asking to modify to pay less than my monthly payment. I do not agree with total BSI states is in arrears and have mailed in writing that fact. I want the arrears to be modified or put into a reasonable repayment plan. House is still underwater 9 years later and I have kept it going entire time and do not plan on leaving house. There have been XXXX houses same model not selling in over a year either in neighborhood. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My mortgage was transferred, effective XX/XX/XXXX, from XXXX XXXX XXXX to DiTech. 

In accordance with the mortgage transfer instructions, I made a payment direct to DiTech for the payment due on XX/XX/XXXX. Payment was made via check, and was mailed, in accordance with the instructions, to XXXX. XXXX XXXX, XXXX, CA XXXX. As I did not yet have a DiTech statement or an account number I sent a copy of the transfer letter ( from XXXX XXXX XXXX to Ditech ) along with my check. 

Payment was made via check drawn from my XXXX checking account. The check was made payable to " DiTech Financial '', and was cashed by DiTech on XX/XX/XXXX. As I did not have a DiTech account number, I included my previous mortgage service ( XXXX XXXX ) account info on the check, thinking it would simplify the transfer completion. 

The check was for {$2900.00}, slightly more than the {$2800.00} due ; I had indicated on the letter included with the check that the additional {$40.00} was to be applied to the principal balance. 

I 've made 2 phone calls, to no avail, and I 've submitted 2 separate requests via DiTech 's customer service portal. During the phone calls, the customer service representative was absurdly rude and extremely condescending even as I explained I had a copy of the cashed check ... she insisted that DiTech did not cash the check. It 's absolutely egregious that almost XXXX weeks after DiTech cashed my check, my mortgage account has not yet been credited, and DiTech ca n't tell me what they did with my check. 

I 'm well educated ( XXXX ) and have a federal job that requires me to maintain a good credit worthiness rating ; DiTech 's mishandling of the mortgage transfer and inability to credit my mortgage account with a payment made weeks ago is putting my credit rating at risk. Also, end of year tax statements will be inaccurate due to their mis-handling of my payment. 

To make matters worse, as a result of my submitting a request for assistance via DiTech 's customer service portal on-line, I get a form letter that says, in part, that the communication is an attempt to collect a debt, from a debt collector. And, that they will reply in writing within 30 days. Unbelievable!!! Most ridiculous customer service model I 've ever heard of!! 

Put simply, I want the payment I made on XX/XX/XXXX, to be appropriately credited to my mortgage account, effective that day. This seems to me to be a very straight-forward matter ... I made a payment on time, DiTech cashed the check on XX/XX/XXXX and it still ( as of XX/XX/XXXX ) has n't been credited to my mortgage account. 

I have attached a front and back copy of the cashed check ( made payable to DiTech ), as well as a screen shot of my bank statement showing that the payment was drawn from my checking account. These documents have been previously provided to DiTech, as well. 

Please advise/assist. 

XXXX XXXX XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I am filling a formal complaint against Columbia Recovery Group L.L.C, in the amount of a Default Judgment against me. Columbia Recovery Group, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used unethical, and illegal tactics to collecting an overly inflated alleged debt out of retaliation violating the Federal Fair Debt Collection Practice Act, in a period of XXXX months before even reaching court for a Default Judgment Columbia Recovery Group, along with XXXX XXXX XXXX on-site manager XXXX XXXX revised, and inflated the alleged debt to submit into court making the Default Judgment almost double the original debt. I have attached these documents showing the amounts, and how over four months they had increased, and also a revised collection statement, these documents are in order with chronological order by dates, and exhibit letters with a brief description on this page. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Still waiting on the alleged " bill '' to XXXX XXXX Crafters or whatever subsequent name it operated under when it suspiciously wrote an unsigned work order - 2 years after any work was completed on my car. 

I say again, there is no debt that has not been fabricated by you and/or your client in violation of multiple consumer protection laws. 

See below for the Fair Debt Collections Practices Act that you are in violation of : XXXX. Unfair practices [ XXXX XXXX XXXX ] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 


XXXX, There is no balance. There is no authorization for work, no signed order, nothing which evidences any overdue monetary obligation to your client from me in 2010 - authorization was never sought or given for the part repair in question. Hence, there is no figurative leg for you to move forward on. 

To continue to insist upon payment for unauthorized work and otherwise harass me is proximate to fraud. 

As to the subsequently approved work from my insurer : Attached is a fax from XXXX XXXX confirming that payment in full has now been sent to your client for all approved work performed on my car. I now consider this matter resolved. 

As I indicated in my previous e-mail, I did not authorize your client to perform any work on my car that was not covered by my insurer, XXXX XXXX. Moreover, your client failed to notify me prior to beginning work on my car that XXXX XXXX would not cover certain work performed by your client on my car. Had your client informed me that certain proposed work would not be covered by XXXX XXXX, I would have made an informed decision, maybe taken my car to another shop. Instead, your client said " I 'll take care of it '' and began work, which I am now informed ( three years later ) included work not covered by XXXX XXXX. 

You are hereby notified that any efforts by you or your client to collect for any unauthorized work performed on my car is unlawful and would subject you and your client to civil penalties, punitive damages and attorney 's fees and costs pursuant to the California Fair Debt Collection Practices Act, Unfair Business Practices and Unfair Competition Act, and the Fair Debt Collection Practices Act. XXXX. XXXX XXXX. section XXXX, et seq. ; XXXX. Bus. XXXX XXXX section XXXX, et seq ; XXXX XXXX. XXXX, et seq. You are further notified that having purposefully availed yourself to the jurisdiction of California, you would be subject to civil suit in California along with your client. 

Thanks, 

Company response: Company chooses not to provide a public response
Consumer complaint: TransUnion has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX # XXXX ... It appears that TransUnion changes my address at their own discretionary whim, with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors, current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner, " confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address, they never answered 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a notice on Saturday, XXXX XXXX, 2016 XXXX from creditkarma.com that my password has changed. 
I did n't make this request which came in conjunction with credit card number, being stolen and used fraudulently, and an attempt to hack my yahoo email and XXXX account which, to the best of my knowledge, failed. 
An email dialogue ensured which I have printed out in PDF format The highlights include : - They think I am XXXX XXXXXXXXXXXXXXXXXXXX which they should know I am not because I told them so 14 times and because they are emailing XXXXXXXXXXXX not XXXXXXXXXXXX. 
They actually published XXXX XXXX 's DOB which is personally identifiable information ( PII ) over clear text email to me ( XXXX XXXX XXXX ) who self-identified as NOT XXXX XXXX 
At this point my conclusion is either : Credit Karma has been hacked and their email being used by fraudster 's as a phishing attempt. 
Credit Karma is inept and shares DOB over clear text emails and expects me to do the same. 
The email dialogue is attached. They explicitly declined to call me or give me their number. I can not find their number on the web for credit karma. In their email contact they publish a bad number XXXX XXXX XXXX XXXX which is not their company when I call it. 

I submitted a police report this evening in person to police XXXX XXXX XXXX ( on the XXXX XXXX on the evening of XXXX ) of the XXXX, XXXX police department. The police report number is XXXX Jus email is XXXXXXXXXXXX. 

I am foggy on next steps. I would really appreciate an investigator to figure out what 's going on. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Wells Fargo is denying our application for a loan modification. Their servicer, XXXX XXXX XXXX, has been requiring XXXX forms to be filled out and submitted at least six times in the last two years. Each time, we have been denied a loan modification - despite qualifying for a HAMP modification due to XXXX and loss of income. Wells Fargo is XXXX of the XXXX large financial institutions participating in the HAMP program. We do not understand why they are denying us a loan mod when they have received government monies to do just that - modify loans. Please help us sway Wells Fargo into doing what they have promised. 

Thank you, XXXX and XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2016 I wrote a check to Wells Fargo Mortgage for {$3600.00} to pay off my mortgage. This was the payoff amount I was quoted by both their online site and a bank officer at their branch. The payoff amount I was led to believe included all interest due and processing fees. The bank has since come back told me that I have interest due and a processing fee of {$18.00} due. After talking with Wells Fargo they have agreed to waive the interest charge, but not the processing fee of {$18.00}. I have paid the bank in full and should owe no more money. 

Company response: Company chooses not to provide a public response
Consumer complaint: Teletrack is listing XXXX inquiries well over the allowed 2 year period. XXXX is still there after almost 4 years, XXXX around 3 years old and XXXX nearing 25 months old. This is against FCRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: yesterday i checked my credit report through Experian and i found many incorrect informations about me as : 1- My first name 2- My last name 3- My mailing address so i contacted the XXXX '' which is credit report Agency to ask about this wrong informations they told me this informations has been added by : XXXX XXXX which is sent to XXXX XXXX by Quality Asset Recovery I didnt authorize this action Quality Asset Recovery sent : 1- My social Security Number 2- they violated my privacy when i was patient 3- by sending this documents to XXXX XXXX about my illness they violated Section 264 of HIPAA Law violated 5 USC, section 552A 4- i sent them cetified letter 2 month ago to ask them about this collection account they didnt respond me yet untill now due to the FCRA they should respond before 30 days or they have to delete the collection account they didnt do any of these 5- i filed dispute regarding this collection account on the XXXX credit report agency 2 month ago and due to the investigations it has been deleted from my credit report but the collection agency reinserted the collection account on XXXX and XXXX without sending my any mails the section 6o9 of the FCRA says before the collection agency reinsert the collection account on the credit report they have to send mail regarding the collection account before they reinsert it their phone number : XXXX XXXX XXXX their mailing address : 7 XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX - they added a collection account to my credit report for service which is i didnt use and i didnt ask for this service ( I didnt use or receive any services from this company the collection account number is : XXXX 1- I need them to delete this incorrect informations from my credit report 2- kindly they have to get this collection account removed from my credit report from XXXX, XXXX and all credit report Agency which is having my credit report and this collection account on it unless i will have to show up in the court asking for XXXX for each incorrect information they added to my credit report without my autorization +XXXX USD for sharing my Social Security number informations with unauthorized company +XXXX USD for violating my patient Privacy 

Company response: Company chooses not to provide a public response
Consumer complaint: I was denied online a copy of my credit report as they said they could not verify my identity ( I believe this is due to confusion with my son 's Texas address which appears to be reported as an address I have lived at [ I have not lived there ever ). I filled out their mail form as requested. I got back a response again asking me to verify my information with full name, SS #, complete addresses for the past 2 years, DOB, copy of driver 's license, and a copy of a recent utility bill. I responded again by using their required form, sending them a photocopy of my current Georgia drivers license, a photocopy of my social security card, a photocopy of my current electric bill, and on thier required form my addresses for the past 5 years, my SS #, full name, & DOB. As a response, I got back the SAME canned form asking for the same identification information again! 
What did they do with the photocopies of my drivers license, social security card, electric bill and other information? I provided each item on their list and checked it off, and even sent back the list with the required information to show I had provided it. I also stamped my current name and address on the front & back of each submitted item, so if it got separated it could be easily identified. What has happened to my information that I submitted to EXPERIAN? Why can they not get this corrected? I feel like I am in an infinite loop! My credit card was recently hacked and I need to see my report! 

Company response: Company chooses not to provide a public response
Consumer complaint: Best Buy Credit Services offers several limited time 0 % interest offers. We have used several of these offers but it seems that, because we tend to carry a non 0 % interest offer as well, no matter how much we apply over our minimum monthly payment, none of the funds pay down the 0 % interest balance so that we eliminate that balance before the expiration date. We then end up paying interest on the accrued interest as it is added to our principal balance. There is nothing on the statement that discloses how to pay down those balances. 
This month we made a significant payment to the card to payoff an existing 0 % interest balance before the expiration but none of the funds were actually applied to that 0 % interest balance. We contacted Best Buy Credit Services to inquire and were told that " No, the information is not on the statement '' and that we would have to contact them to let them know how we wanted to apply any funds over the minimum payment. I feel like this is an unfair practice and, had we been informed of how to pay down that 0 % interest balance, or that there were options for payment plans, we would have saved ourselves money in the excessive interest that we are now paying on those accrued interest balances that applied to the 0 % interest promotions. Best Buy Credit Services needs to revise their disclosures in order to advise customers of their payment options for 0 % interest balances so that those balance are less likely to result in negatively amortizing balances and excessive interest charges. 

Company response: Company chooses not to provide a public response