AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: ON XXXX/XXXX/16 I RECEIVED NOTICE OF DEBT MY HUSBAND OWED. I CALLED IN TO PAY OFF BALANCE AND SPOKE TO A REP NAMED XXXX XXXX. I WAS NEVER MADE AWARE I WAS SPEAKING TO DEBT COLLECTOR, IN FACT I THOUGHT I WAS SPEAKING TO REP FROM COMPANY MY HUSBAND OWED DEBT TO. ALSO, XXXX NEVER ADVISED ME THE CALL WAS BEING RECORDED. HAD I KNOWN I WOULD HAVE REQUESTED CALL BACK ON NON RECORDED LINE. THEN WHEN I TOLD XXXX XXXX SHE SHOULD HAVE MADE ME AWARE OF CALL RECORDING SHE BECAME DEFENSIVE AND BEGAN TO RAISE OF VOICE TO ME. 
I FEEL THE COLLECTOR HANDLED THE CALL VERY UNPROFESSIONAL, NO CONSUMER SHOULD HAVE TO BE TREATED IN SUCH MANNER. 
NAME OF THE COMPANY IS CREDIT PROTECTION ASSOCIATION XXXX XXXX XXXX XXXX TX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I paid my Macy 's card balance in full and the check cleared the bank on XXXX XXXX, 2015. The company has been billing me {$2.00} per month since for interest charges. The due date for my payment is the XXXX of each month. I do not intend to pay the charges and have called the company and gotten no response. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been receiving offers in the mail to consolidate my student loan. Some of them even offer total loan forgiveness. Each of these offers lists the total amount of my student loan. Most troubling however, is how close they are to the exact amount - off by a XXXX dollars or so, but more or less spot on. 

I spoke with my service provider ( XXXX XXXX ) and they said they are not allowed to disclose or sell my financial information. This still does not explain how my financial information has essentially become public. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: make offers for credit, even if approved change terms ( always in their favor of course ) sales people AND management mis-inform clients blatant false advertising change websites ( 4 times in past year ) main retail website has link to bogus website 

Company response: Company chooses not to provide a public response
Consumer complaint: They continuously have been calling me claiming that they are a Debt Collection Agency. I have no Past Due Debts and furthermore I NEVER received anything from them in writing regarding the Debt I allegedly owe. I have not returned their calls since it sounds very sketchy to me. They have called on besides today at XXXX, also on the following dates and times : XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX. And numerous prior times since my phone only can hold so many Caller IDs. They have also used several different phone numbers from where they call from : XXXX, XXXX, XXXX, XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Transunion re- inserted a previously deleted unknown public record account on my credit. I am not sure where they get their information from but my file with this bureaus contains false and misleading information. BK Reference Number XXXX need to be removed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Received a credit card statement which indicates an increase to the credit card balance due to applied interest, despite a timely payment made for the prior credit card statement. No charges have been made on the card, as the card has been closed for over a year. Additionally, a prior payment should result in a slight decrease to the remaining balance due. I have suspected for some time that this credit card company is engaging in fraudulent practices to prevent consumers from reducing and eventually paying off their credit card balance. 

Company response: Company chooses not to provide a public response
Consumer complaint: Actually I just filed another complaint a couple seconds ago and then saw something else disturbing with my account, Bank of America is stating I have n't made a payment since XXXX/XXXX/15 which simply is not correct. I logged into my bank account and have payments that were processed since then. This is all on autopay so there 's no oversights ... Just one more issue that shows the incompetence of BOA!!!!!!!!!!! 

Attached is a printout of the 'last payment ' ( XXXX paragraph ) and also shows how they are indicating I owe much more than I do. 

Add yet one more issue to the long list, so if in their records I have not made a payment since XXXX, why just now am I receiving notice of this ( 3 months later )!?!?!? How much in fees have they been charging while providing no notification..??? 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2016 I received a phone call stating that I received an {$8000.00} grant and in order to get the grant I had to give the account and routing number for my bank. The further instructions were to go to an ATM and pull out {$300.00}, then XXXX XXXX the money to an address in XXXX. After I withdrew the money from the ATM, someone went into a Navy Federal and deposited {$15.00} into the account and then withdrew {$770.00} from the checking account. Three hours after the withdrawal from the ATM, I told a friend about the grant and she told me to check my account because it sounded like a scam. When I checked the account, I saw the unauthorized debit of {$770.00}. I immediately notified Navy Federal Credit Union and informed them of the fraudulent activity. They recommended that I close the account, which I did. I asked about getting the money refunded, they said there was nothing they could do since I gave the perpetrators the account number and routing number. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I took out a loan with Cashnet USA back in 2014, long before I knew that the loans were void in my state. I took the loan out to cover a short in regular bills. They began charging my account right away, and I ended out having to reborrow the amount that I had to pay in fees, just to keep up, after the first few payments. It became a cycle. The loan finally exhausted my funds completely, and I had to close my account to be able to make my regular monthly expenses. I found help last year from a company and a group that helped me understand that the loan was void. I paid the company to help me with payday loan issues, but they took money without actually working things out with CashnetUSA. The other was a non-profit group that helped me with the payday loan help company, and CashnetUSA. I think my balance at that time was {$300.00}, or so, though with the Line of credit loan, it was always hard to tell. Because the loan was void and unenforceable, I tried to move on, and I tried to get the money back through my bank, but that was not successful. So I just went back to paying my bills, and trying to recover from the hole the loan had left in my budget. Since then, I have had phone calls, emails and letter from Cashnet USA, telling me that I am behind. I do not wish to have them calling me anymore, but from previous contact with them, I was afraid to call them again, for fear of harassment by them or another entity. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I disputed account XXXX with Experian on XXXX/XXXX/XXXX. I received an update XXXX/XXXX/XXXX that the status of the account with remain the same. I also contacted the collection agency XXXX on or around XXXX/XXXX/XXXX to let them know that I am disputing this account and they told me they were going to conduct an investigation. I also filed a complaint with CFPB under XXXX that attached the bills from XXXX. Upon review of the bill, I noticed that they did not make the proper adjustments according to my disconnect request made on XXXX/XXXX/XXXX. XXXX billed me for XXXX XXXX thru XXXX XXXX because they failed to disconnect my service on XXXX/XXXX/XXXX. I then received a bill and XXXX told me they were going to adjust my account for the bill date XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, but they still did not credit my account. Since XXXX did not adjust my bill for XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, it caused my account to have a balance of {$270.00} that is now being report by XXXX. I called Experian letting them know that a failed adjustment cause the balance and investigation is still being conducted. I asked Experian how can I dispute this account and the rep told me by law they do not have to delete or supply anything related to credit report. I ask him ( Experian ) what I need to do, he told me to send/upload documents related to my dispute. I told him XXXX verbally told me they were going to adjust my account. He ( Experian ) said he can only re-dispute if I supply documents related to a verbal call I had with XXXX two years ago. I told Experian how can I support documentation of a verbal call from two years ago and why did the credit bureau did not question a collection items dated two years ago that is currently being reported by XXXX XX/XX/XXXX. This account is still under investigation with XXXX and XXXX. I believe the laws protect me from this negative reporting until the investigation is complete. I thought the collection item should be flag disputing until investigation is complete. At this moment, there is not flag and I can not re-dispute unless I upload a document, which I feel is totally unfair. At the end of the day, who is there to protect consumers from these type of issues. This is so unfair and it should be required for a service company to send an email and letter to consumer when they request to terminate service for future instances that are similar to this particular issue. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: This is related to a previous complaint but the proof is now present that Bank of America does not even read or proper act on issues/complaints. I received a notice they had not received my payment but I checked my bank account and they most certainly did receive the payment. I logged into my BOA account and noticed a higher amount due which is the proof. Probably a month ago I provided them my insurance information which means they needed to cancel the policy they put on the house and make the appropriate changes for amounts due ... Obviously instead of doing this, they simply cut and pasted a response and did nothing else. In the recent email from them they threaten reporting me to credit agencies and based 100 % of their failure and thus waste my time which means nothing to them ... 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX Bank of America foced closed my account without notifying me. At the time the closed it I had XXXX direct deposit XXXX of XXXX and another of XXXX. I have called several times and was told mutilple different things about how I could receive my money now that they closed my account that they refuse to reopen. I was told at first that they would reopen the account so I could access my funds after not being able to sign in I called back and was informed that it was n't even possible to open a closed account and that my money would be send to me at their discretion. So I continued to call hoping to optain my XXXX dollars, when another representative told me to go to the local bank open a new account and they would transfer the money over. I get to the bank they say I am not eligible to get a new account so back to square XXXX. Basically they are holding my money no one know how I can get it or why they even accepted money in an account that they decided to close. Still waiting on a call from there enterprise customer care hoping they will help me but basically everyone on there staff has different information and approximately half of them are so rude it makes me sick to keep trying to contact them about this issue. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XX/XX/2014, I refinanced my mortgage on a rental property. Because of delays in the loan process by the lender, the close was delayed. This was at a time when my previous mortgage servicer was paying taxes. Taxes were escroed in the new mortgage to pay off taxes due in 2014. Taxes were paid by the old mortgage and the new mortgage company and were refunded to new mortgage. I raised the issue to the new mortgage company and they let the 3rd party closing attorneys know what was going on. I was refunded different amounts to reimburse for taxes that were described as " Double Paid ''. A {$290.00} tax payment was not paid on my behalf. I was not privy to this non-payment. Loan Depot was made aware and paid after penalties and fees were applied. I was not aware for more than a year later when I investigated why my payment changed so abruptly. I have asked Loan Depot to reimburse me for the amount paid in fees and penalties on my behalf without my knowledge ( {$220.00} ). Loan Depot has ignored my request and never responded to my inquiry. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I 'm receiving calls from Professional Financial Services at least XXXX15 times a week. This tactics is unacceptable and causing additional XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: US Bank is attempting to collect an unreasonable debt consisting of excessive {$25.00} fees they charged to my account even after I requested the account closed. The matter was reported to XXXX and to a collection company. 

Company response: Company chooses not to provide a public response
Consumer complaint: My complaint is with US Bank. I have a checking account with them as part of an arrangement for disbursement of assets from an inherited Trust. I am trying to set up a way to transfer money from that account to my main bank account with the XXXX XXXX XXXX XXXX. After an extensive verification process to link an external account that took 3 days, I was finally able to go online attempt to transfer funds, starting with a test transfer of {$1000.00}. To my dismay, they charged me {$3.00} for the privilege. The funds did not show up today, so I called them and they told me it takes 3 days for a transfer to occur. So they want to charge me {$3.00} per transfer and it is not even a same day transaction?! I think this is an abusive rip-off. Can you please look into it, and let me know if I have any recourse? Thank you! 

Company response: Company chooses not to provide a public response
Consumer complaint: This is crazy, I received a prepaid debit card as a refund and then I ca n't pull anything up online, ca n't activate it online, there 's a sticker to call to activate it, I 'm sure it 's probably lost it 's value as all these cards do ... These cards are basically yet XXXX more way to XXXX consumers. I am certain they are offered to companies at a discount because they are certain people wo n't use them, wo n't jump through these hoops, and mysteriously, they get to keep money that is not theirs and call it 'fees ' is the bottom line. 

To save a step, the card number is XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've been involved with several complaints against Bank of America and in each attempted response, while they address little to nothing, they have literally now sent me XXXX ( very literally ) XXXX of pages of documents. I wish people could opt out of receiving paper documents especially after receiving them multiple times. So many pages have now accumulated that now simply have to throw all of this in the trash as it 's impossible to shred all of it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have requested for Experian to remove an obsolete Federal Tax lien from my credit report several times. They refuse even though I have supplied them with the appropriate documents to show that the item should be removed. I do not like having to file complaints but this item is really hurting my ability to obtain credit and I have made several requests for removal with no change to my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: My elderly Dad received a call from ( XXXX ) XXXX. The woman asked who he was and was looking for me. She made him very upset. I called the number back and the women stated that she was from the Company Harris and Harris and that I was being recorded. I asked what she wanted. She said I owe money to the XXXX. I had already worked the pay back with the XXXX office and told her that. She became very forceful and we both started arguing. I think this company is a scam from what I saw on the internet. I want them stopped if possible. 
Thank You 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am receiving frecuent calls from this number. I do not know the person contacting me but i suspect its a debt colection agent in representation of a debt collection agency which bought my debt at a lower price than what i owe. Buying debt specially at a fraction of the cost is an illegal act and its usury. I understand that every 7 yeard debt must be discharged and this has not happened. I cant pay that debt since I do not have a job that pays enough to get rid of the debt. I am under XXXX as well since the economy drove me to be on federal aid since there is no job opportunities nearby and im not willing to go out in exile to the usa to work there. I do not earn enough get out. Please make them stop i dont like the harrasment and i was very clear as i am not taking any calls and i am not going to pay the debt because i am broke. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The credit bureau are reporting XXXX fraudulent collections where my identity was stolen. I have my police report and I am sending in the documentation 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: This just shows Bank of America 's incompetence. They have been claiming I have n't submitted proof of insurance and have even signed me up for insurance all while I 've had insurance and they should have the documentation, it was provided last year and now it 's my inconvenience they ca n't properly maintain records ... 

I 'm attaching the file for last year, they still have a host of issues to address from previous complaints so I will send the latest policy once they prove I am bound by BOA terms which means send me the legal information on the transfer of my loan. Instead they have only sent thousands of duplicate pages of the original note, BOA terms, everything but the legal paperwork for the transfer of the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: wells fargo bank is blocking me access to my account/money & has since XXXX. 
XXXX store manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX, al XXXX she blocked all access to my own money after i reported her for not knowing how to activate an instant debit card. she retaliated against me for reporting her, and told me to call loss prevention & therefore, they told me they she told them to block my from getting my money out of the bank. me & my children have been starving and without for 2 days now because of this banks actions. i want access to my funds immediately! Also, yesterday they printed my balance & i have a paper receipt of : {$4400.00} Open XXXX ( R ) Savings Total {$4400.00} Activity Summary Current Posted Balance & today my account went down somehow by balance of : {$4300.00} ANONYMOUSLY, AND WHEN I DIALED THE XXXX THE OPERATORS WERE ASKING FOR MY ONLINE BANKING USERNAME & PASSWORD. 

Company response: Company chooses not to provide a public response
Consumer complaint: Macys XXXX statement was paid in person at the store. The payment was not credited to my account. 
Macys reported XXXX that payment was overdue which loweredmy credit score. 

Company response: Company chooses not to provide a public response
Consumer complaint: While I now have seemingly countless complaints against Bank of America, the only reason for this is because of their continued avoidance to address the issues so they continue on even they inaccurately state the issues have been addressed, resolved, and closed. I still have n't figured out if it 's intentional, some sort of strategy, or just incompetence but that does n't really change the situation that they refuse to deal with the issues. It has gotten to such an extreme that the basis of this complaint is that they are now simply cut and pasting responses. This was never so evident as the last issue which was related to their simply providing document after document and it became impossible to keep up with disposing of the same documents over and over again but yet their response was related to another issue related to insurance. It was a precise cut and paste. The worst part is that the insurance issue was also essentially a cut and paste from previous issues but it required action on their part since they incorrectly accused me of not having insurance when I did and I fear they simply did n't even read the issue and did the cut and paste. This really is leading to the belief it 's incompetence but the funny/sad part is that everyone in this process is being paid for their time except for me and the only XXXX executive in this entire process. My motivation is to get answers, to get fair resolutions, it 's not to waste my time or anyone else 's but the second I stop responding and pointing out these issues is the point where all the previous time spent is for nothing and that 's now in the XXXX of hours which equates to XXXX of dollars. BOA does n't care about my time, they only care about greed and covering their butts when they do make mistakes. Again though and to ensure I 'm clear, the basis of this complaint is simply that they are now providing cut and paste responses which goes even further than their usual avoidance of issues. 

Company response: Company chooses not to provide a public response