AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: A woman from Loan Til Payday in XXXX Delaware, at the phone number XXXX called. I answered the phone by telling her to remove me from her list. She said she is looking for XXXX something and I told her I do n't know XXXX, he does n't live here and remove me from the list. She ended the call by calling me a XXXX and hanging up on me. When I called her back, she refused to give me her name, her manager 's name, he corporate phone number or any other identifying information. I called another location of Loan til Payday and got the corporate phone number from them. I spoke to XXXX and explained what happened and he said he would get to the bottom of it and get back to me. I am very angry with her unprofessionalism. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I bank with BB & T. Recently they have overdraft my account when the funds are there. This has occurred on several occasions in the past few months and the trend is that this happens overnight when I have a paycheck pending electronic deposit. While in some cases I may not have the funds to cover all charges BB & T tends to push all charges through immediately. At other times pending charges may take days to process. The example below shows what I mean. I spoke with a representative at BB & T about the overdraft charges and I was told their system accounts for all charges pending or otherwise. So BB & T can make money off customers regardless of circumstances and that funds like a pending paycheck that will cover all charges is not counted. Mind you that they consider pending charges against the ledger but not pending paychecks. 

Pending transaction date XXXX/XXXX/XXXX Debit XXXX XXXX # XXXX {$87.00} Pending transaction date XXXX/XXXX/XXXX Debit XXXX XXXX XXXX XXXX XXXX DE # XXXX {$360.00} Pending transaction date XXXX/XXXX/XXXX Credit XXXX - XXXX XXXX, XXXX XXXX {$2000.00} XXXX/XXXX/XXXX Debit OVERDRAFT FEE {$72.00} {$260.00} XXXX/XXXX/XXXX POS XXXX 'S XXXX # XXXX XXXX XXXX XXXX XXXX IA XXXX BB & T CHECK CARD PURCHASE {$11.00} XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX BB & T CHECK CARD PURCHASE-P {$26.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: REF : XXXX XXXX DO NOT KNOW ACCOUNT NUMBER, BUT THE HOME PHONE BEING CALLED IS XXXX. 

On XXXX/XXXX/2016 a number of my family memeber 's receive a phone call from this number XXXX X XXXX and told ask for XXXX or XXXX spoke to them, looking for my son XXXX XXXX. Please note this company goes by multiple numbers. The phone number they call from is not always the same. 

The company goes by the name of Westlake Financial Services. 
They call each person cell phone number. The caller was very harassing to others. They also call the grandparents of my son, who are senior citizens, who call me very scare, upset and feeling money needed to be given on their part. On one cell phone they are calling is minor line. 

Nevertheless, this company has call my home every 1/2 hour from morning to night, leaving one message to another, over and over again. 

On XXXX/XXXX/2016 the same company call the home in a hour period every 5 min. My son stated they call his cell phone number every hour and at times every half a hour. My son stated he spoke to this company about all this and refuse to listen. 

At times these calls has appear to be threaten phone calls. The caller reveal that my son XXXX XXXX has debt with them and from there becomes very harassing. With some phone calls they ask 3rd party to call them back. This company left many messages with the 3rd parties, about XXXX XXXX. Some of the people they call are upset and scare.We think this company went to far and this why we are filing a complaint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX of XXXX I refinanced my home through Cornerstone Mortgage. I chose this company because I needed to pull money out of my house for college costs for my kids. They gave me a closing cost amount that was slightly over what others were by about XXXX dollars but I went will them because the loan officer ( XXXX XXXX ) claimed she could do it quickly. As is turned out when my home loan was sold to another company by cornerstone virtually immediately and my payment was increased in XXXX of XXXX by {$120.00} dollars a month. After a lot of investigation and run around I found out that the original company CORNERSTONE MORTGAGE had told me that my home owners insurance was paid up for 12 months when it was n't. They only collected 2 months from me and it was due in full in XXXX of XXXX. The loan officer XXXX XXXX XXXX XXXX told me it was an oversight on there part and she could refinance the loan and factor in the additional amount. I explained to her that the reason I went with there company was because it was comparable to others with the closing cost. Of course the other companies were paying my insurance in full. I feel like I was lied to regarding the closing costs as they pocked the additional 10 months of insurance payment that I was told was included and now I am having to pay it again by my payment increasing way over what I was promised in XXXX. I faxed the initial escrow account disclosure to the loan officer and never heard from her. I do n't know if anything can be done at this since it says only 2 months were collected on the paperwork but I wonder how many people this company has done this to that do n't think to confirm with the paperwork or maybe do n't understand what is needed as was my case. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: On XXXX/XXXX/2006, a car sales man from XXXX XXXX, XXXX and Bank of America, forced me into an auto loan contract at an exorbitant interest rate. The name of the sales man is XXXX XXXX. XXXX XXXX in presence of the Finance Manager, told me that my interest rate is 7.99 % APR. When I refused to accept it, the Finance Manager told me, generally XXXX, XXXX, XXXX and other people of XXXX, get 3 % higher interest rates. He told me if I was white, he would give me interest rate of 4.99 % APR. He held my car hostage and told me that I had already signed my car as a trade and he told me that the car now belongs to XXXX XXXX. The Finance Manager told me that I had already signed the checks for {$3000.00} towards the down payment and I ca n't have it back. The Finance Manager and XXXX, told me that if I back off from the deal, I will lose the {$3000.00} and I have to walk home as my car belongs to XXXX XXXX as I have signed on the title. The Finance manager also added add-on products without my consent, even after, I declined the add-on products. I signed this contract under severe duress from this unscrupulous finance manager and XXXX XXXX who threatened, intimidated and coerced me into signing this contract. I can not find appropriate words to describe the pain, humiliation, grief and suffering, XXXX XXXX, Bank of America and the Finance XXXX from XXXX XXXX inflicted on me. Few years back I went to XXXX XXXX with one of my XXXX friend. XXXX XXXX spoke to my friend in XXXX and told him to stay away from me. My friend told me later that XXXX told him to stay away from me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Business is attempting to collect a towing fee for a vehicle I did not own when it was towed. Recently I faxed the following communication to the entities attempting to collect a debt from me : To : Lien Enforcement, Incorporated XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX FAX ( XXXX ) XXXX XXXXXXXXXXXX AND- XXXX Primary Business Address XXXX , CA XXXX Phone : XXXX Fax : XXXX E-mail : XXXXXXXXXXXX XXXX : XXXX XXXX XXXX I contacted the State of California Department of Motor Vehicles Investigations unit at ( XXXX ) XXXX regarding the XXXX XXXX XXXX VIN. # XXXX and spoke with XXXX - ID # XXXX. XXXX said that there is no record in the system that I was ever a registered owner of the vehicle, and because I was never a registered owner I can not obtain a record of registered owners for the vehicle. The DMV states the sale date on the release of liability is XXXX/XXXX/XXXX and it must be honored. I never completed the registration process nor paid to register the vehicle, and the DMV states ( The record is not permanently transferred out of your name until the DMV receives a completed application for transfer of ownership and payment of appropriate fees from the new owner. ) So you need to find whomever 's name was / is on the title for the vehicle. Finally, you are refusing to honor the sale date, speaking on behalf of the DMV, which you can not do. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was contacted via text message saying I was approved for a loan $ XXXX {$10000.00}. I was given a number to call to discuss the details of my loan. He asked me that standard questions a loan officer would. He then was telling me about some insurance that I would need to take out on my loan and that it was for my protection. If I could n't make a payment then this insurance would make it for me. He then asked if I had a XXXX near by and that I would have to money gram him the payment for the insurance but he insured me that I would get my money back. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am trying to refinance my mortgage through the Harp program. SLS ( HELOC ) will not agree to the subordination agreement unless I pay them approximately {$3000.00}. I 've asked a supervisor to me to explain and no one has returned my call. I called again and they still tell have n't return my call. 

Company response: Company chooses not to provide a public response
Consumer complaint: Progressive Financial Services is calling a business office trying to collect a debt. We have told them numerous times to stop calling. We keep telling them that they are calling a business and the person they are trying to reach can not be reached at our business phone number. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX, account specialist, called once, asked to verify last XXXX of SSN. Admitted it was not mine and then said would research and get back. Then had his manager call -- still could not verify SSN. Yet looked up other matching cities and addresses to assert loan was mine and wanted me to admit it, repeatedly. I have never taken a loan from XXXX student loans, the creditor in question. He said he would put me in touch with XXXX student loans to confirm that I was not the borrower, put me on hold and then I hung up. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Circumstances of my life changed and I can not currently pay any of the debt on my USAA credit card for a number of reasons : I have had the same XXXX for 18 years and we tenuously made things work, by agreeing as to who pays for what. 

When my landlord gave a 60 day rent increase notice, XX/XX/XXXX, XXXX had a XXXX and is temporarily staying with relatives in XXXX. Her relatives are helping and XXXX can still split the expenses with me until XX/XX/XXXX, and if I do n't find another professional job, before XX/XX/XXXX I will have to move to a cheaper cost of living area. 

On XXXX XXXX, XXXX, I also underwent XXXX, to save my life. XXXX. 

My circumstances are just information, part of which I gave to USAA and not to give a SOB story. 

USAA said that they would not renew my credit card, even after I am able to pay back my debt to them. 

I had previously let USAA know that I am judgment proof, except for Federal debts. I am currently living on a combined military and XXXX pension and have XXXX XXXX car. I had also previously promised that when I get another professional job, I will take care of my credit card obligation, with USAA. 

Today, XXXX XXXX, XXXX, I received another one of repeated calls from the USAA credit department on XXXX. In order to " get me verified '', the caller wanted to know everything about the XXXX cars I have insured with them, as well as my social security number, etc. These are things that the department of USAA which insures me already has on file. I hope that USAA is not planning to try to seize our cars, that a third contracting party claiming to be USAA, without my knowledge, wants the information that USAA already knows, for that purpose.. 

I asked USAA or the anonymous third party claiming to be USAA, once again, to cease calling and told them that if they want to sue me, then that is their option. The estimated amount of the debt is {$4000.00}. I can not stop them from tacking on late charges and other fees, so I hope that I wo n't end up legally owing them a much higher sum of money and that, it can be negotiated when I am able to repay this obligation. My member number with USAA is XXXX. You may choose to omit this information, if you choose to publish this complaint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX is listed as a derogatory items on my credit report.XXXX is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. XXXX XXXX is intentionally reporting wrong credit information on my credit report and it has negatively affected me. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX. After not receiving a response, I sent my letter of concern to TransUnion addressing my concern. XXXX responded on after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Looking to fix my credit to purchase property, I requested a validation of the account via mail 3 times. The only answer we received was a bill, with no break down or validation at all. 
No breakdown of fees or any other explanation. This account was unattractive for years, know the calls are extremely over the limit calling all day about every hour, and letters on the mail 2-3 every week. I have called the agency to request and offer a settlement. 
They refuse to offer anything and know, I am getting calls with treated to take legal action. 
This company fail 3 times to Validate the account credit agencies disclose that agency have show them prove and validate the account, but I do not get anything in paper. just the bill. 

In addition, now other company ERC collection agency is sending me a bill and calling and every time I ask to disclose the name or employee ID for my records. They refuse to gave name and they star with treated to take legal action. 

Note : If XXXX sold the account? I never give XXXX authorization to release my personal information like my home number. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had an account open with WellsFargo since XX/XX/XXXX for direct deposit from my employer XXXX XXXX. On or about XXXX XXXX, XXXX both my Credit account were closed and put on collections. 1. Platinum Credit Card account XXXX {$1000.00} and 2. Line of Credit limit {$3000.00}. I had balances on both accounts, but never missed or made late payments. I had inquired bout their closure and was informed that WellsFargo is not obliged to give reason for the closure at their executive office. On XXXX XXXX, XXXX, I had paid both balances to {$0.00}. Yesterday, XXXX XXXX, XXXX, I took my family to a restaurant and attempted to pay for my restuarant bill with wellsfargo debit card, I had a balance of {$760.00} of which {$210.00} cash deposit was made at the branch at XXXX XXXX Est. on XXXX/XXXX/XXXX. Card got declined, I was embarrassed and had to use credit card to pay my bill. 
Today XXXX/XXXX/XXXX, I called the wellsfargo customer service and after so many transfers was informed that the bank had terminated the relationship and funds are frozen for up to 10 business days. I have inquired as to why my account was closed and relationship terminated. No explanation was provided. I had asked for supervisor to intervene and release my funds as I had payments and other bills to pay. They had declined to allow the total funds to be released, and decided to release only {$580.00} out of the {$1000.00} I had in my accounts. Funds that I have earned legally from my employers. I do n't think it is right as a consumer for my funds to be frozen without proper explanation. I have bills to pay and late charges incurred because my funds were frozen would only add to my problems and frustrations. I do n't think any bank institution has the right to freeze consumer funds unless that consumer comes up on OFAC list. Last I have checked I am not on OFAC list, therefore, I do not wish for anyone else to go through what I am going through with WellsFargo and wish to file a complaint and remedy the surcharges incurred by me because of this ordeal. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Company response to previous CFPB complaint, raised additional issue. 
Although my prior CFPB complaint with the company was responded to swiftly, the comlaint was closed without addressing the issues. 
The company miscategorized the previous complaint as being focused on whether or not I liked the vehicle and was able to voluntarily enter into the agreement when buying it. 

This raises additional issues, and as CFPB closed the prior complaint, it appears I must enter a new complaint to address these XXXX issues. 

Although I very much like the car, now that the Company 's prior response has raised the issue of whether or not I voluntarily entered the sales agreement : Oklahoma law seems to limit " who may contract '' in title XXXX, of oklahoma state law codified. 
As the company has chosen to make this the issue, I am deeply concerned that as a consumer who has made all payments in a timely manner, that I will be unable to keep the product purchased ( a 2013 XXXX ) simply because of having been adjudicated as insane. 
Since the Americans with XXXX act includes persons regarded as having a XXXX as protected by its provisions, I feel as though the company may be handling my complaint in an unlawful manner. 
Would a consumer not regarded as being XXXX have their complaints addressed properly instead of having the complaint issue in focus being shifted to their ability to enter into a contract or perform other daily life activities. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently obtained my XXXX credit bureau reports and was shocked to find an account on there that is in my name under USAA Savings bank. It is fraudulent. It is not and has never been my account. The address listed on this account was never my address. I did not open this account. I demanded immediately all proof that USAA is providing to the XXXX credit reporting agencies to " verify '' this account. Was this opened online or at a branch? Do you have a copy of the original agreement? Was a drivers license used in obtaining the original account when it was opened? Do you have a copy of the original contractual agreement? USAA has refused to verify this account and continues to disregard multiple inquires XXXX on the phone and through the mail. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I can not print and view my full credit report online. There is also a name XXXX XXXX XXXX. Which is not mine. This person had stolen my identy a couple of years ago and her name was supposed to be removed from my credit report and it 's still showing on my credit report. Please remove her name and I the collection companies I.c and remex has been paid in full. This should have been moved from my credit report years ago. I wish to have this resolved ASAP as a I am looking for proper housing and need good credit. Please contact me at XXXX. My full name is XXXX XXXX XXXX. Your immediate attention be greatly appreciated. 


P.S. this identity theft person XXXX XXXX XXXX committed this crime twice and went to court twice. 
Thank you XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XX/XX/2015, my house XXXX flooded. When I received the disbursements from the insurance company, I sent the checks with copies of the Proof of Loss and the contractor 's estimate to USAA XXXX our mortgage company ) and waited for the check. 

On Friday, XXXX XXXX, XXXX, I called and asked the status of the first disbursement for the contractor and was told that my information has been received and input on XXXX XXXX, and it would take 5-7 business days to send the check. 

I called back Friday, XXXX XXXX, XXXX and was told the 5-7 business days was for processing time and that the check would be mailed in 24-48 hours. 

I called back on Wednesday, XXXX XXXX, XXXX and was told my packet was missing the Proof of Loss from the insurance company and the contractor 's estimate and that nothing could be done until they were received. I was given an email address to send electronic copies to and sent that email XXXX. 

I called back Thursday, XXXX XXXX, XXXX and was told that it would take 24-48 hours to input the documents and that the check would be sent after that. 

I called back Monday, XXXX XXXX, XXXX and was told everything was cleared and that the check would be going out. 

I called back Tuesday, XXXX XXXX, XXXX to insure the check had been mailed and was told it had just been released and would be mailed on Thursday, XXXX XXXX. 

I called back Thursday, XXXX XXXX XXXX and was told that my file was missing the contractor 's estimate. I asked to speak with a supervisor who looked in my file and said she saw something from the contractor that said how much the repairs were going to cost. 

Regardless of whether the contractor 's estimate is actually in their possession XXXX the number she quoted off it made it clear it is XXXX, the fact that they have repeatedly told me that the check is going to mail soon and then continually delaying the process is entirely unacceptable. Losing paperwork on multiple occasions smacks of willful negligence. USAA purports to serve service members and veterans, that I and my family has been treated so poorly is beyond my comprehension. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I sent a letter to Trans Union letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Trans Union refuses to delete the fraudulent accounts from my credit report stating in a letter they will not remove it. Trans Union provided no physical evidence to why they wo n't remove it, according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response