AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a Checking and Saving with Navy Federal Credit Union and I happen to inquired about Bill Payments to for one Extremely important my Life Insurance XXXX the Bill Payment was setup on XXXX XXXX, 2015 to be paid on XXXX XXXX, 2015. The Confirmation Number XXXX of payment for Navy Federal Credit Union. Then I contact XXXX XXXX XXXX to confirm they received payment to Customer Service Representative informed that no they did not received payment. So I contact Navy Federal Credit Union to request them to trace and confirm payment they stated that the bill payment was set up on XXXX XXXX, 2015 and the check for {$77.00} mailed via United State Postal Indiana the nearest payment processing center. The Check Number is XXXX and XXXX said that he can not trace the check and not even verify proof of payment. Please investigate that Navy Federal Credit Union are following United States Federal Banking Regulation and that they are working within the Federal Banking and Federal Credit Union Regulation and they following Bill Payment Regulations. I have no way of verification or payment 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received an email from Bank of America notifying me that my credit card information has been compromised. They alerted me that a new card was in the mail. I then received a call from Bank of America 's fraud protection department. I asked which store or vendor had compromised my account information. They informed me that they can not tell me this information due to an on-going investigation. They then informed me that even after the investigation, I would not be able to find out who or which vendor compromised my credit card information. This information secrecy is atrocious and unacceptable. Consumers should have the right to know which companies are protecting their consumer data and which companies are not. Consumers should have the right to chose which vendors we do business with based on their ability to protect our security. 

Company response: Company chooses not to provide a public response
Consumer complaint: My car was repossessed XXXX XXXX, 2015 and i had an amount due of XXXX including past due charges finance charges as well as the repossession fee of XXXX. I had a month to do so it took Ally Financial 5 days to give me information on redeeming my vehicle. When i finally received the information i started gathering my funds. They gave me a month to pay the XXXX in FULL, they were not taking partial payments. I up called the tow yard to see how much a day was the fee and they stated " For ally we do not charge for storage fee '' Ally tried adding on XXXX $ of storage fee onto the top of the XXXX. Every time i called i had to explain to them the place my car was held had no storage fee some representatives refused to remove the fee. I ended up redeeming my vehicle paying XXXX in FULL on XXXX XXXX, 2015 i did receive an 7 day extension to redeem my vehicle. After bringing my account down to XXXX $ they added a hidden fee of XXXX on my account a couple days later which is adding late charges to my account. Its now XXXX XXXX, 2015 I 've been calling Ally explaining my situation for 3 weeks now and they have still done nothing, all the of reps claim they will note my account and they note very little leaving me a whole story to explain they told me i have to talk to redemption and i did call them as well as the tow yard and redemption states " we did not put any charges on your account because we would n't have released the vehicle if there were remaining charges left, you have to pay the amount owed before redeeming your vehicle ''. So i then called the storage company and they states " There are no charges left pending for that car ''. So that leaves me to believe they added some random charges to my account and they are trying to cover their selves. I spoke with a lady in Texas and she told me that i probably wont be able to dispute the charges because its something i owe. When state law states all charges must be paid in full before redeeming your vehicle. Im paying my care note on time and trying to refinance my car and i cant because of charges on my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: this acct is fraudulent and when initially submitting information was not totally complete this was a case of identity theft and needs to be removed from your records and my file asap 

Company response: Company chooses not to provide a public response
Consumer complaint: I have several issues on my credit report I am trying to get removed. I have XXXX alleged debts that have been reported on my credit report for about XXXX years. Both of these debts are debts I did not make, do not owe, and want off my credit report. The problem is, how do you show proof that you do n't owe a debt. I do n't have documents that say debt X is XXXX I did not make on XXXX XXXX, 2010. XXXX of these alleged debts is from a cell carrier. I paid and closed the account. About XXXX months later I received a bill for XXXX months of service after I had paid and closed the account. Another is from my previous auto insurance. They paid me on an insurance claim and then some months later sent me a bill and claimed they paid me a XXXX and change too much and were demanding payment or they would send me to a collection. I do n't owe them anything. They paid me what was owed. I 've attempted to dispute both of these with Experian and they refuse due to it being a " frivolous '' dispute. I have to send them supporting documentation stating I did not make these debts or they do n't belong to me before they will consider proceeding with a dispute. I 'm puzzled as to what to do at this point. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife had a XXXX and paid the bills late for XX/XX/XXXX/XX/XX/XXXX. Onemain Financial was notified. They were also notified to only call my cell. XXXX called my work, all XXXX references listed and left personal information on my friends and families voicemail. It was both crazy and psychotic. The more you said do n't do that ... The more aggressive she became. My family friends and co-workers felt harassed and I am embarrassed over 2 weeks!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted XXXX and FBCS Consumer Contact Solutions and they ignored my requests for validation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was having automatic payments taken out of my bank account from XXXX. I lost my source of income, and called to have automatic payments stopped. The payment was still taken out and overdrafted my account. I had my lawyer involved, who had it taken care of from the bank 's side, but i still have XXXX in my collections. I stopped these payments and do not feel like i owe them anything. This was also several years ago, and happened just before my family of XXXX had to be rushed out of the house we lost to back taxes, which them caused my dad to have his XXXX. My family was enduring major hardship at this time, as well as me being told that i owe money i should not have to owe. I did my part, and i cancelled the payments. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They call my house every hour starting at XXXX and quit at XXXX then they call my cell phone I have explained to them that my husband passed away on XXXX XXXX He worked in XXXX And did XXXX years in the XXXX Before we got Married we were Married XXXX years when he passed! It is taking time to find out if I even qualify for any spouse benefits from over there I am to young to collect benefits here I have to be XXXX i have XXXX years yet but calling me XXXX days a week XXXX times a day is n't going to get the XXXX government to do any of their decision any faster! 

Company response: Company chooses not to provide a public response
Consumer complaint: Cohen & Slamowitz LLP in XXXX NY somehow obtained a default judgement against me for {$4700.00} in XXXX county Supreme court. Acting on that judgement ( alleged service made 10 years ago ) my checking account was seized ( XXXX in XXXX NY ) The account contained XXXX+-. As is common, the entire account was frozen. Then Slamowitz got another judgement for the total amount in my account and the entire amount was frozen for the last year. I investigated this claim and found that Slamowitz contends that service was made at an address ( XXXX XXXX XXXX, XXXX NY ) at which I never lived. I have no knowledge of this debt, and as a former XXXX XXXX, I know what a " Sewer service '' is. They claim they are representing " XXXX XXXX '' who apparently purchased the alleged debt from XXXX, On XXXX XXXX, 2010, XXXX, XXXX, UT was closed by the Utah Department of Financial Institutions. THIS DEBT IS TOTALLY BOGUS, and I contend that the seizing of my funds from XXXX amounts to little more than theft. The " Service '' was fraudulent and the judgement should be vacated forthwith. 

Company response: Company chooses not to provide a public response
Consumer complaint: First National Collection Bureau XXXX Inc., account # : XXXX, Ref # : XXXX, is a fraudulent account and do not belong to me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received my consumer report from Chex Systems and upon reviewing my consumer report, I discovered some unauthorized and fraudulent inquiries listed on my consumer report. The following inquiries listed on my consumer report are unauthorized and fraudulent : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: We have disputed inaccurate info with the credit bureaus previously but all they did was indicate on our files that the info was under dispute and never removed it which was what was warranted. We went into a Chapt XXXX in XXXX 2014. All creditors are included and will be receiving payment from the Chapt XXXX. All XXXX credit bureaus still have not updated our individual credit files to reflect that we are in a Chapt XXXX. It 's being indicated on our credit bureau reports that we still have accounts in collections when all the accounts have been in Chapter XXXX since XXXX 2014. We contacted the individual creditors but they said it is not their problem. When the creditors submit info to our files, they indicate that there is a dispute as to whether the account can be included in the Chapt XXXX. We have verified that the accounts are in Chapt XXXX and that there is no dispute. XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just turned XXXX TODAY. XXXX XXXX. and i went to the bank to get a student loan as i had an appointment set from the day before. I get there and they tell me that there are things that are preventing me from getting a loan on my credit report like foreclosure and outstanding balances, XXXX like that. I just turned XXXX today so ive never owned a car or house or been convicted of a crime or any of that stuff that they were talking about so i really dont see whats going on. I start school in a week and I need a place to live, which is why i was at the bank for a student loan so i can pay rent on the first otherwise im out on the streets here in florida fresh out of XXXX. I temporarily live with my grandmother and she 's already packed leaving XXXX to return to XXXX. So I need a place to stay. Like i said i just turned XXXX and have no type of credit at all in anyway shape or form so there should be nothing on my credit report in the first place. I dont even have my drivers liscence so i clearly dont own a car or have any repossessions of any type. As i was trying to access my credit report from XXXX it asked me these questions regarding like mortgage and phone numbers i recently had or something when none of that applys to me AT ALL. I JUST TURNED XXXX TODAY MY DATE OF BIRTH IS XX/XX/XXXX. HOW WOULD I OWN A HOUSE AND BE ABLE TO PAY MORTGAGE. I 'VE NEVER EVEN HAD MY FIRST JOB!!!! I honestly have no idea what 's going on and why i cant get a student loan when i have NO CREDIT HISTORY. how are they gon na tell me about my credit history when i 've never had credit in the first place?!????!?!?!?!??!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?!?! this makes no sense. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed a chapter XXXX XX/XX/XXXX and it was discharged XX/XX/XXXX but it is still on my TransUnion report even though it has been fifteen years and it is only suppose to be there for seven. 

Company response: Company chooses not to provide a public response
Consumer complaint: I do n't owe any money to XXXX XXXX XXXX 2014 paid for less than full Balance XXXX this information is not accrete please take this out from my Credit Score ASAP 

Company response: Company chooses not to provide a public response
Consumer complaint: A few weeks ago I checked my credit score and noticed an open account that I did n't recognize under the name " Armor Sys '' or something similar. A little googling resulted in me finding Armor Systems Collections so I figured I would give them a call. They found the account for {$170.00}, which is what my credit report showed as well. I asked for verification and also the company which reported it and they provided both. I called the original company that reported the debt and they have no record of me being a patient there ( it 's an XXXX I believe ). They were very suspicious of the charge and suggested I look into it as it sounded fraudulent. I do n't know what to do as calling Armor Systems Collections only results in them telling me I need to pay the debt plus interest and them putting me on hold for a long time. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I do n't owe any money to XXXX XXXX XXXX 2014 paid for less than full Balance XXXX. this information is not accrete please take this out from my Credit Score ASAP Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: I went through a divorce XXXX years ago and right away listed my home because I was not able to make my payments on XXXX income. It is being listed as a short sale as my home is worth half of what I paid for it. I have had an offer on the table for XXXX months and the bank refuses to accept it. It takes them months to respond and they come back asking for more then it takes them more months to respond to the buyers counter offer. The buyer had not low balled, they have given a decent offer and the bank is still just sitting on it,. We have no other offers, no showings ( home is not in a great neighborhood ) I continue to up keep the property and pay utilities even though I am not living there. I filed a complaint with my senator and the bank claimed that I have not handed in all the paperwork. A complete lie. They have everything they need. My realtor has saved all documents that have been sent since the very beginning in 2012.XXXX years of this is absolutely ridiculous ... .we will lose these buyers and the house will sit and rot ( it would have already If I had not kept things up ) if the bank does not accept this fair offer now. 

Company response: Company chooses not to provide a public response
Consumer complaint: Lender failed to notify buyer of condition of XXXX acre property was not approved less the XXXX hours prior to closing. Mortgage Broker was in direct communication with Sellers Agent, taking verbal on amend extend. Contract expired and Buyers lost Ernest Moneys. Mortgage Broker and Direct supervisor admitted negligence and stated Company would reimburse Ernest Money. When asked for promise to be provided on official letter, received sub par email for request of internal process. The actions of Mortgage Broker were not in the fiduciary interest of Buyers, and fraudulent statements made in regards to why loan was not approved were given to Buyers. Buyers were not afforded the opportunity to seek new Lender with in reasonable time to complete transaction, before expiring. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Is it legal for the Credit Bureaus to reflect late pays and charge-offs on debts that were NOT late and were in good standing at the time I filed my Colorado bankruptcy in XX/XX/XXXX ( due to loss of income and unemployment )? My bankruptcy discharged at the XX/XX/XXXX. My debts were all in good current standing at the time I filed bankruptcy. All my debts ARE reflected as " discharged in bankruptcy '' with {$0.00} balances now in my credit reports. However, some of the bureaus are NOW also reflecting XX/XX/XXXX ( possibly earlier ) some " late payments '' and " charge-offs '' on those same debts during the 3 months that the BK was " pending '' prior to discharge from XX/XX/XXXX - XX/XX/XXXX XXXX. Everything I have researched on the internet states that these previous creditors are reporting " false '' late pays since they are reflected as " late '' AFTER my BK was filed. Based on the BK laws, I was to discontinue any payments toward any creditor ( which I was unable to do anyway ) after I filed BK so how can they NOW claim " late pays '' and " charge-offs '' on those debts? I had NO late payments NOR charge-offs on my credit record at the time of my BK was filed. All my payments were current and in good standing at that time of my filing for BK. Why are the credit bureaus reflecting this erroneous designation now on my reports? If this is WRONG, why do I have to spend the time and effort disputing all of this when it is defined in the Fair Credit Reporting laws and the bankruptcy laws? This is like being accused of something I am not guilty of and I have to " prove myself innocent '' and am assumed guilty when I am innocent based on the bankruptcy laws. Do n't the credit bureaus have some way in their software to cross-check this information and notify the credit card companies they are illegally reporting something incorrectly? They can not accuse me of late payments and charge-offed debt AFTER my BK filing date when I was actually current on all my payments at the time I FILED my BK, can they? 

Company response: Company chooses not to provide a public response
Consumer complaint: This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately. The account information is XXXX Account # XXXX XXXX {$390.00} XXXX and Acct # XXXX XXXX {$190.00} XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The XXXX credit bureaus are not reporting XXXX account from XXXX XXXX that was already paid in XXXX of 2015 that is affecting very badly my credit. In my latest credit report of XXXX/XXXX/15 they still reporting incorrectly the account as bad debt and charge off as bad debt. Attached is the following : 1-the proof of payment settlement. 2- is the information that is being reported by the XXXX credit bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo is charging excessive late fees 

Company response: Company chooses not to provide a public response
Consumer complaint: " The California Homeowner Bill of Rights became law on XXXX XXXX, 2013 to ensure fair lending and borrowing practices for California homeowners. 
The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process '' IS IT FAIR THAT IF YOU WANT TO HAVE ANY REPRESENTATION BY AN ATTORNEY, IT MAY COSTS A MINIMUM OF {$8000.00}? AND THERE IS NO GUARNTEE THAT YOU WILL SUCEED IN YOUR MORTGAGE MODIFICATION. 
IS THE PROCESS TRANSPARENT & FAIR WHEN YOU HAVE TO EDUCATE YOURSELF AND RESEARCH FOR HOURS AND HOURS JUST TO FIND ANY INFORMATION THAT MAY HELP YOU IN THE LOAN MODIFICATON PROCESS, IT APPEARS IT TAKES A LAW DEGREE TO FIGURE ANY OF THIS OUT?? 
IS IT TRANSPARENT & FAIR WHEN YOU DO N'T KNOW WHAT THE UNDERWRITER 'S CRITERIA IS, SO YOU MAY PROVIDE THE NECESSARY DOCUMENTATION TO MEET THEIR GUIDELINES FOR THE APPROVAL OF YOUR MORTGAGE MODIFICATION PROCESS?? 
IS IT TRANSPARENT & FAIR WHEN THE LENDER REQUIRES THAT I SEND A COUPLE OF REAMS OF PAPER ( DOCUMENTATION ), SPEND A {$1.00} A PAGE TO FAX IT AND/OR SPEND {$50.00} OR MORE FOR POSTAGE TO SEND IT TO THEM, IS THAT FAIR?? I DO N'T HAVE A FANCY COPIER, FAX, SCANNER OR COMPUTER IN MY HOME LIKE YOU HAVE IN YOUR UNDERWRITER 'S OFFICE. 
IT IS FAIR THAT I HAVE TO WAIT 6 MONTHS TO HEAR FOR AN UNDERWRITERS DECISION, FIND OUT THAT YOU NEED ANOTHER REAM OF PAPER FAXED TO YOU. THAT 'S FAIR??? 
I DARE YOU LENDER TO COME IN MY HOME - INSTEAD OF SENDING SOME FIELD REP FROM THE XXXX AREA TO TAKE PICTURES FROM THEIR CAR - YEP YOU CAN SEE THE XXXX FLAG I FLY FOR MY SON, WHO MADE THE DECISION TO SERVE HIS COUNTRY AND YOU SEND ME A LETTER ASKING IF I 'M IN THE MILITARY?? COME INTO MY HOME AND SEE HOW I LIVE, SEE HOW I STRUGGLE AND WORRY ABOUT LOSING MY HOME BECAUSE I 'M WAITING FOR AN UNDERWRITER 'S DECISION??? WHO ARE THESE UNDERWRITER 'S???? 
THIS CA HOMEOWNER 'S BILL OF RIGHTS DOES NOT HELP THE HOMEOWNER WHO IS TRYING TO SAVE THEIR HOME FROM FORCLOSURE. I 'M TRYING TO KEEP XXXX ELDERLY RETIRED FOLKS AND A FAIMLY OF XXXX FROM BEING HOMELESS!! 
I 'M SORRY LAWMAKERS, NON-PROFITS, ( AKA HUD CERTIFIED COUNSELORS ), ATTORNEYS & STATE AGENCIES YOU GET TO UTILIZE THE XXXX XXXX DOLLARS YOU RECEIVED FROM THESE LEDERS AND COVER YOUR SALARIES, OFFICES AND OVERHEAD - YOU ARE THE ONES PROFITING!! 
GET REAL - THERE IS NO TRANSPARCY AND WHAT IS YOUR DEFINITION OF BASIC FAIRNESS???? 

Company response: Company chooses not to provide a public response
Consumer complaint: Hereby its a pleasure contact with yours referent to a matter where result be victim with Bank Citi is involved employees occurred with me account bank where I received me deposit direct each month, in addition after multiples complaint by negligence because the bank take me money and refused protect me account from individual, business, entity, merchants or any other, a as consequences after review me account find that the bank allowed that business or merchant take money from me account without me authorization, the bank has been advice of such fraud but allowed that its merchant, business or entity charge to me account transaction that has been return or in dispute some time the merchant was return a product or services due to numerously factors example in days or month after refund to the account the merchant agent or business have charge once time the same amount to me account believes me I never ca n't see what happened with me account but few days find that a merchant have charge to me account a transaction that was dispute with the bank and the merchant at the time of requested a bad services and product that was return and the merchant shall be return such amount to me account but two month after the same merchant requested to the bank the amount one more time caused a balance negative must find that me account have various transaction with the same situation or in some case the merchant not return the credit to me account or have charge for amount that I do n't have sign or authorized and the bank refused verified or invest above the merchant caused sever loss to me account today the bank concluded that a amount where the merchant was return the product and services the bank allowed that its merchant charge to me believes me I have a same incident numerously time in the same account where I have a loss around of {$4000.00} Dollars from me account with a similar incident believes me by resolve requested allowed open a investigation to the bank and merchant and requested back me account the amount loss consequences of negligent of the bank Very Truly Yours 

Company response: Company chooses not to provide a public response