AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I took out a loan in 2011 from Cash Call for XXXX The balance never goes down The interest on this loan was 139 %. I see where there is a lawsuit against them from certain states and my state Indiana is XXXX of them. I have stopped paying them since I already have paid them over XXXX. I guess if they try to sue me I will have to get a lawyer. I do n't feel I should pay them anymore money. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: all credit agencies reporting incorrect data, never had any " Public Records/ TAX LIENS '' not mines, same infor on file 2 times ; violates FCRA with re-appearance of infor on file 

Company response: Company chooses not to provide a public response
Consumer complaint: A collection agency, Pro Collect, is trying to collect a debt that should not exist. 

In XXXX of 2012, I discontinued payment on a storage unit due to financial difficulties. Within a couple of weeks of non-payment, I received a notice from the storage facility that the locks would be cut and my items would be sold at auction. I received a prelien notice on XXXX, a lock cut notice on XXXX and a notice that my items were to be sold at auction on XXXX/XXXX/2012. With rent at the storage costing $ XXXX/mo, the items sold at auction should have well covered the month of rent that was due. 

It has been 3 years since I have heard anything about the storage unit. Now, 3 years later, Pro Collect, a collection agency, is trying to collect {$6800.00} in back rent on the storage unit. This is outrageous and a complete scam! 

Company response: Company chooses not to provide a public response
Consumer complaint: credit card with bank of america with account number XXXX I am a XXXX and a lot of credit is merging with my name that I have no knowledge of and this is destroying my life and my credit. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is a copy of a letter that was sent to Wells Fargo that explains the situation. 
XXXX # XXXXXX/XX/XXXXAttention : Customer Support, My loan has been reported late for 6 years now and I have never missed a payment. I have written letters like the one below and not had any favorable response. Please keep in mind my payments are auto drafted every XXXX weeks. 
The history is as follows1 ) XX/XX/XXXX my father was diagnosed with XXXX XXXX and given XXXX. 
2 ) I called XXXX XXXX to tell them I would miss some work and went through a lengthy telephone interview3 ) As a result of said interview I was told my next XXXX payments ( XXXX ) would not be drafted and they would be added to the end of my loan. 
4 ) Said payments were not drafted even though there was an ample balance in my account. 
5 ) Years later I discovered my loan being reported late every month yet my payments have been drafted every XXXX weeks on time and never missed. 
Please look at the payment history. You auto draft a payment every XXXX weeks on time and never missed. The only response I received from you is that I asked to not auto draft the payment and I would send it. This makes no sense. I have always had an ample balance in the bank and would not make this mistake. 

I was told that I could pay up by a Wells Forgo representative that I could pay the XXXX payments in question and they would drop the late payments and additional charges which I can do any time. However, my credit is a bigger concern. I asked for a letter from you stating this was an error so I can fix my credit and it was denied. I am asking one more time for help in this matter before I call my attorney general to report this as I am not at fault. This error has affected my ability to secure credit for my business. Your immediate attention is greatly needed. 

I am prepared to pay the payments in question, however I am not at fault for the late payments and interest. I have tried to resolve this on more than XXXX calls or letters and they keep telling me It 's my error, but is is not. My first contact was with XXXX XXXX which authorized a XXXX payment ( XXXX ) " skip a pay '' which occurred and then XXXX sold to Wachovia and the payments started to be reported as late. 

Company response: Company chooses not to provide a public response
Consumer complaint: Since The United States Bankruptcy Court has discharged my debts, I have been trying to get Wells Fargo to take this property in the form of a deed in lieu of foreclosure. The foreclosure process in NY is judicial, so it takes two years. That 's too long and serves nobody 's interest. I 'm trying to speed things up with a deed in lieu. 

I 'm amazed at the resistance and red tape involved in simply conveying a property back to Wells Fargo after a bankruptcy. I have two concerns:1. Privacy. Wells Fargo is asking me to explain deposits in my checking account post bankruptcy. My fresh start is well underway. This information is none of Wells Fargo 's business. These deposits were my tax return. I incurred huge losses and this was reflected in my tax return. Also, I received some back rent in a lump sum for another property not associated with Wells Fargo. This rent went immediately to paying for cesspool repairs on the property not associated with Wells Fargo. Why do I even have to explain this? It happened after bankruptcy. The Wells Fargo property has n't been rented since XXXX. No income from this property. I 'm in bankruptcy. Debts have been discharged. Wells Fargo should take this property. 

2. Inordinate delays. Wells Fargo keeps assigning me new Home Preservation Specialists. This is n't about preserving. It 's about deed in lieu. I have been assigned XXXX different Home Preservation Specialists. Turn over in this department is high. These people are on the career path. Thus, each XXXX of them is compelled to request a document or ask a question so they can advance. It must be working for them since I have had XXXX of them. It all results in delays. This has been going on for months. I 'm tired of it. It 's time for Wells Fargo to do the deed in lieu. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took out a consumer title loan with Wilshire Consumer Credit for {$6000.00} using my car as collateral in 2013. They quoted a reasonable interest rate even though it was a consumer loan. I was thrilled to be able to get it. The balance was immediately raised up to {$8000.00} which I didnt know would happen. I paid on it religiously for almost two years and then my husband/business partner had a XXXX and I fell behind on the payments. I contacted them and told them the situation and asked for a payoff amount thinking I could just pay them the little that was still on the loan and not worry about it any longer. When they told me the payoff amount was still {$8000.00} I was flabbergast since I had more than paid for the loan! They explained that the interest had gone up since I had missed payments! I explained again that my husband was ill and we had to close a XXXX year business. I kept trying to negotiate this balance down to a reasonable amount and they wouldnt budge much. I kept asking to speak with a supervisor and eventually I went up the ladder to someone who looked at the situation and said under his breath that it was all interest we owed. He said he would talk to his supervisor and " get right back to me '' and I never heard from him again even after calling several times. We then had to declare bankruptcy which allowed us to keep the car a little bit longer and was advised by my lawyer to just give them back the car since they were never going to do anything that would have them not make all their money. So, I told them to come get the car. When they did, they sent me a notice saying they would be putting the car up for auction and I could purchase it for a little over {$4000.00}! Had they been willing to do that when I asked I would 've settled the loan immediately ... meanwhile I had to take out another loan and purchase a new car, which is fine, but what a pain to go through all this XXXX when I am taking care of my husband full time, lost our business and am trying to survive. Beware of title loans no matter how appealing they are! These people are sharks with no remorse. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a security question that I once resided at XXXX XXXX XXXX XXXX, NY.I replied 'NO ' that I never resided there and was unable to access my credit report. I never lived there, however my ex-husband lives there. I reported this to Experian in the past and I never received a written response although I sent a letter with proof of divorce etc.. Please have that information removed from my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent several letters via the the Unites States Postal Service to Transunion demanding appropriate documentation or removal of several inquiries to my credit report that I do not recall authorizing. It has been over 60 days since the letters were sent and I have recieved no correspondance, no proof of authorization and the disputed inquiries have remained on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: We have been receiving collection letters & phone calls daily for our mortgage account with Wells Fargo when we are current on the mortgage. There is an escrow balance that they 're showing is due for amount of {$100.00}, which is completely inaccurate as we do n't have an escrow account and last year when we switched insurance agencies from one agent to another for the same insurance company ( XXXX XXXX ), they 're claiming the property was not covered. 
This is not accurate as we have been on an call with Wells Fargo Escrow department to sort out this mess and unfortunately I 'm not getting any cooperation with Wells Fargo Escrow and Mortgage departments. Our insurance agent has sent information to them explaining the situation. 
They 're claiming that we have not paid our mortgage, which is not accurate. They 're now sending letters to proceed Foreclosure proceedings. We have never been late on our mortgage and are getting stressed and frustrated with Wells Fargo 's behavior and practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sold a utility trailer to someone 15 years ago. They never registered it with California DMV. Now they have received XXXX parking tickets from the City of XXXX XXXX for parking in a street sweeper zone. I went to DMV and had them stamp non-responsibiltity statement and sent it to the City of XXXX XXXX XXXX Department. The stamp is not back dated to 15 years ago, so the City of XXXX XXXX turned me into collections for the parking tickets that are not mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: Approximately 60 days ago I sent several letters via the Unites States Postal Service to Experian requesting proof of authorization for several credit inquiries I do not recall giving permission for. I have not recieved final response, I have not been furnished with any proof of authorization and Experian has failed in their duty to delete entries they have not provided sufficient proof for. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I received notice from Green tree stating that I was able to cancel my pmi insurance I called green tree and told them that I would like to stop pmi till this date they still have n't cancelled my pmi I have called them many times sent a letter stating to cancel pmi had my home reappraised still nothing I am paying XXXX a month for this if you could help that would be great 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have made multiple attempts to contact this company, with not ever receiving a response. This debt has been paid, and therefore should appear as closed and no longer in collections. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There are a few transactions at issue, all of which I brought to the attention of Barclay 's XXXX month ago, on XXXX/XXXX/15, and about which I have repeatedly written them, without receiving a single substantive response or explanation for why these charges are on my card. 

First, on XXXX/XXXX/15, XXXX transactions appear on my account. XXXX of them, for ( - {$30.00} ) from XXXX, is correct. That was a merchant refund ( minus shipping costs ) for a {$35.00} purchase I made at XXXX on XXXX/XXXX/15. However, the XXXX transaction listed on my account on XXXX/XXXX/15, a POSITIVE charge of {$30.00} to XXXX, is incorrect. I never made any purchase for {$30.00} on XXXX/XXXX/15. 

Second, on XXXX/XXXX/15, XXXX transactions appear on my account. Again, XXXX of them, for ( - {$42.00} ) from XXXX, is correct. That was a merchant refund for a purchase made on XXXX/XXXX/15, for {$42.00}. However, there are XXXX further POSITIVE charges to XXXX listed on XXXX/XXXX/15 for {$42.00}. This is incorrect. I did not make XXXX purchases of {$42.00} on XXXX/XXXX/15. 

As I stated above, I have tried repeatedly to have this issue resolved. Barclay 's promised me a resolution within 7-10 business days. They did not keep that promise. They then promised to call me to resolve the issue. They did not keep that promise either. I have contacted XXXX and they confirmed that they issued the refunds for ( - {$30.00} ) and ( $ XXXX ), and that there should not be any additional purchase charges on my account related to these transactions ( except for temporary authorizations ). However, the XXXX charges at issue are not listed as temporary authorizations on my Barclay 's account. Rather, they are listed as completed purchases on my most recent monthly statement, for which Barclay 's has demanded payment by XXXX XXXX, 2015. 

To repeat : there are XXXX mistaken purchase transactions on my account, totaling {$110.00} XXXX {$30.00} + {$42.00} + {$42.00} XXXX for which Barclay 's is demanding payment. Barclay 's has failed to provide any substantive response to my dispute of these transactions, except to give me empty promises that they will contact me. I have, to this date, received no oral or written explanation or justification for these charges, despite raising the issue with them multiple times, starting on XXXX/XXXX/15. And finally, the merchant, XXXX, agrees with me that I do not owe the amounts charged. 

I thank you in advance for your help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a call on the morning of XXXX/XXXX/15 at XXXX. I called back the number at XXXX and let the person who answered know that I was returning a call to this number. The person on the phone confirmed my name and last XXXX of my social security. He proceeded to tell me his name was XXXX and that he was one of the Supervisors there. He did NOT tell me that he was trying to collect a debt or that he was a debt collector, he did tell me that he was calling because I had committed a fraudulent act by writing a bad check to XXXX XXXX XXXX and if I did not talk to him he would forward my paperwork to the proper authorities and inferred that I could be thrown in jail. He almost gave me a XXXX!! 

Knowing that I had not written a bad check to anyone I requested that he send all paperwork to the police, since writing a bad check is illegal. I also let him know that I have an account with that bank. He then threatened me again that he would be forwarding my case to the proper authorities. I then ended the call. i calmed myself down and called the same number back and got a female. I explained what had happened and told her I would be filing a complaint with the Attorney General. I asked for her company name and address she would not give it to me. She asked for my name and said I was not even in her system. I requested her company info again and she transferred me to another female. I again explained my story and requested her company name. She asked me if the word Jail was mentioned and I confirmed it was - I also let her know that I was threatened by this guy and if she has recordings she confirmed that conversations are recorded. She requested my name and after searching her system she said that they were a debt collection company trying to collect on a XXXX payday loan. I told her that this XXXX person told me it was a bad check written to XXXX. She gave me the address of her company and would no longer respond to me so I hung up. She told me that the guy I spoke with was a XXXX XXXX XXXX and he was not a supervisor. 

The Company does business as : Clear Credit Solutions at XXXX XXXX XXXX # XXXX, XXXX Delaware XXXX believe that what was done to me was extremely threatening and hostile! I got XXXX when he told me that I had broken some law and was subject to some type of penalty including jail. I believe that this company rep has crossed a line that is illegal and I would like to pursue legal justice. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I received a negative credit report due to defaulted private student loans. Subsequently, I negotiated with my lending company and agreed to a full and complete settlement on XX/XX/XXXX. On XX/XX/XXXX, I formally requested ( via a letter from my lawyer at XXXX XXXX XXXX at XXXX University ) that the debt collection agency ( XXXX, XXXX, & XXXX ) update that information with all XXXX credit reporting agencies. 

As of Monday, XX/XX/XXXX, my Experian credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX ( XXXX XXXX XXXX ). Visible are a " Payment History '' section, and Status Details reading " This account is scheduled to continue on record until XX/XX/XXXX. 

Likewise, as of Monday, XX/XX/XXXX, my XXXX credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX in addition to a second listing with XXXX. ( These XXXX listings pertain to the same loan which changed hands several times between XXXX, XXXX, and XXXX. ) Both of these accounts show as " open '' and " placed for collection. " My XXXX credit report was correct when I pulled it in XX/XX/XXXX. 

The Fair Credit Reporting Act creates a " duty to correct and update information '' for entities that furnish consumer information to credit reporting agencies. Because I paid a full and complement settlement of this debt, I am requesting that you assist me in ensuring all necessary changes to update and report this debt ( in all its names ) as paid, closed, and settled with all XXXX credit reporting agencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested a payoff statement on XXXX XXXX, XXXX from a representative at Bank of America which I never received. On XXXX XXXX I called Bank of America and spoke with Senior Customer Representative, XXXX XXXX at Bank of America who provided me with my pay off statement in the amount of {$300000.00}. At this time I sent my presentment and negotiable instrument to Bank of America certified receipt number XXXX. I then received a call from XXXX XXXX who informed me that my paperwork had been process and that I would receive my letter on reconveyance within 7 to 10 business days and that all the other related documents will be sent within the next 60 to 90 days. On XXXX XXXX, XXXX I received my letter of satisfaction ( XXXX Pay Off- LetterOfSatifaction XXXX XXXX/XXXX/XXXX ). Then on XXXX XXXX, XXXX I received my G/L Transaction ( XXXX LNHIST XXXX XXXX/XXXX/XXXX ). On XXXX XXXX, XXXX I went to the XXXX Registry of Deeds with the documents that Bank of America sent to me and the informed me that they sent me incomplete paperwork and they would not be able to process my request. I immediately contact Bank of American on XXXX XXXX, XXXX and spoke with XXXX who informed me that she will forward this request Pay off Department and I would receive a follow-up call from that Department. I then called again on XXXX XXXX, XXXX I was informed that they are still investigating. I also called Bank of America on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and was informed that they are still investigating. I then called on XXXX XXXX and XXXX XXXX of XXXX which the phone went to voice mail, left voice mail with no return call. Then on XXXX XXXX, XXXX I received a bill from Bank of America and called them immediately and I spoke with XXXX who escalated to her supervisor. She then asked me " who told me to send those documents " and I responded it 's the law. I then asked her to refer to the XXXX and The Fair Debt Collection Act. She then said that Bank of America will require additional time. On XXXX XXXX, XXXX I spoke with XXXX from the Payoff Department who informed me that Bank of America would respond to me via mail on XXXX XXXX, XXXX. I did not receive anything and called XXXX who informed me that she would require additional time and that I would receive a response via mail on XXXX XXXX, XXXX which again I did not receive. I called XXXX on XXXX XXXX and XXXX of XXXX I had to leave a voice mail but did not receive a call back. Finally on XXXX XXXX, XXXX I received a letter from Bank of America with their false statement of fact which I have included. I have been forthright during this process and have been more that patient. Bank of America has violated my right according to the XXXX, Fair Debt Collection Act, Chapter 63, Emergency Economic Act of XXXX and Joint House Resolution Act of XXXX and they need to held liable. 

Company response: Company chooses not to provide a public response
Consumer complaint: my husband got temporarily laid off work on XXXX XXXX. I contacted wells fargo my mortgage lender on XXXX XXXX regarding help with our loan. I explained our situation and started working with a home preservation specialist. I was under the impression that I would be applying for a forbearance or loan modification. I done everything they asked in a timely manner and 30 days later was denied due to lake of income which was calculated incorrectly. I contacted my specialist and was told to file appeal and resubmit income, which I did. I called back a few days later to make sure they got everything and they said they had and it would be 7-10 days for a decision. called back 10 days later when I had not heard from them and they said nothing that I had sent in had been submitted to underwriting but they would send it in today and it would be 7-10 more days for a decision. 20 days later and several phone calls to them checking on the status they denied me again. I called my specialist again and he said denial was due to lack of income because they could n't use my husband as a source of income cause he was a non borrower on the loan. They knew this from day one and still drug it out for over 60 days. So I asked about the forbearance why I did n't qualify for that when I would be going back to work and so would my husband in XX/XX/XXXX and would be back on our feet soon. Also we 've had the FHA loan for 5 years, never fell in default or asked for any kind of help and was current on payments when i first contacted them for help. He told me he never submitted a application for a forbearance which i thought this whole time he had, and he would TRY to get the ball rolling on that. So 65 days later and 2 weeks away from 90 days behind on loan and foreclosure I 'm no further now than what i was on day 1. I feel that they are dragging this out till it 's too late for them t help me. I have XXXX XXXX children and this is the only home they 've ever know, please help me save it! 

Company response: Company chooses not to provide a public response
Consumer complaint: We keep getting called by XXXX, upon answering the message says this is a debt collection call, press # to speak with someone or it just forwards our call to someone. Name of Company : Allied Interstate looking for " XXXX '' They have been calling repeatedly for a month now even though we have contacted the company by phone. 

Company response: Company chooses not to provide a public response