AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX fraudulent withdrawals were made from my account in XX/XX/XXXX and XX/XX/XXXX. XXXX in the amount of {$160.00}. These withdrawals caused an overdraft in my account. The withdrawals were actually for what I thought was XXXX XXXX XXXX. I was attempting to have my Federal student loans consolidated. The company turned out to be nonexistent but I did n't realize this until XX/XX/XXXX. I reported it to my bank, Bank of America and the gentleman that I spoke with researched the withdrawals and took my claim. He said the funds would be posted back into my account in a couple of days. Approximately two days later the funds and the overdraft fees were placed into my account.However, on XX/XX/XXXX {$320.00} was taken from my account. When I called to enquire as to why I was told the claim was rejected because it was not reported within 60 days of the transaction. I was not made aware of this when the claim was taken by the gentleman on the phone. Had I have known I would not have submitted the claim. Then on Wednesday XX/XX/XXXX I checked my account to see it was - {$540.00}. When I called this time I was told the overdraft fees were being taken back as well. Nothing was ever communicated to me about any of these actions. And why was the claim initially taken when the individual taking the claim was well aware of the 60 day law but never brought it to my attention. I also checked the account today XX/XX/XXXX and I see that additional fees have been added on as well. 
Please help! I believe that I was misled and ill informed during this entire process and I believe the Bank of America is trying to take advantage of me as a consumer. I was already victimized once now I feel I 'm being victimized again! 
I 'm requesting that the account be closed and the fees dismissed. They 've already taken XXXX of my paychecks that were deposited into the account. Leaving me with no way of paying my bills or caring for myself and my daughter. 

Company response: Company chooses not to provide a public response
Consumer complaint: called with voicemail saying they would contact my job and named my employeer and also that i will be having a case filed against me. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I tried independently due to changes in incomes to seek a modification from my lender. There representative XXXX from Greentree told me I could not until I made about 6 payments on time. I told him I could not do that. I then went to a HUD authorized counselling center called XXXX XXXX in XXXX, Fl. since XXXX of 2015. After working with them it was decided we needed to do a Deed in Lieu. We gave our XXXX XXXX rep XXXX XXXX all information on XXXX XXXX. XXXX has been working with Green Tree and during the ensuing time they have claimed they did not have possession of the files sent although we have proof they have been sent to the contrary. Then when they do, they say they are missing some items. Etc. XXXX has detailed documentation of her back and forth experiences with them. In summary we have done our best and the delays and stalls dealing with Green Tree internal issues has astronomically causing me financial hardship. Please help! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: When I enrolled in XXXX XXXX XXXX I was promised job security and placement upon XXXX and I was told that whatever federal loans did not cover towards my tuition I would be provided grants to pay for the rest. I found out later that I had a loan from genesis lending. I have no job to repay this loan and on top of that I told them when I signed up that I was an XXXX and they assured me that would not affect my ability to get a job but I have since found out that I can not get these jobs because I have felonies. I never signed or agreed for a genesis loan and the worst part is while I was in school I thought I was paying my federal loan when really it was a loan from genesis which is not a federal loan like I was told but a private loan at a very high interest rate. XXXX college closed and now wyotech will no help me since no longer associated with XXXX colleges. I can no long get my transcripts either. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: The closing for my home at was supposed to occur XXXX. The paperwork was submitted to the lender XXXX XXXX or so, but we learned yesterday that the lender -- iMortgage of XXXX, FL -- did not send the buyer 's package to underwriting. This has indefinitely delayed the sale of our home. We have had to cancel utilities, movers, caregivers, and has cost us XXXX of dollars in fees as a result. When we asked XXXX XXXX -- the man responsible for this mistake -- to rectify it by rushing the package, he said, " These things take time. We are just understaffed. I do n't see what the problem is. '' We noted that he had time -- months. He then said that the loan officer responsible for the file quit in XXXX, and no one bothered to check her email to help the clients with whom she was working. He then refused to take any phone calls or emails from us or any of the realtors involved, updating us on the process so that we could reschedule movers, etc. When he finally called us back after repeated attempts to contact him, he said he would not be able to close us on XXXX. To clarify, what has happened is not just that his company failed to process the paperwork for the sale of the home ; rather, iMortgage failed to determine if our buyer is good for the loan! This means, not that the closing may be late, but that it may not happen at all -- which will result in the loss of the home we are buying as well -- a XXXX dollar transaction gone awry. The lender has also asked us to extend our closing date past our lock rate date. Our mortgage lender has told us this will cost us {$1200.00} ( to lock the rate we secured sixty days ago ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i made last payment on loan XXXX XXXX i was later notified by family member XXXXthat World Finance had contacted them looking for me. I contacted XXXX and was told that I owed them {$15.00} dollars. I REGULARLY RECEIVE MAIL FROM THEM. Why did n't they contact me? My obligation for that loan was taken care of when imade last payment. It is showing on my credit reprots bas paid and also a balance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I cosigned for student loans for my niece ; due to operational and systemic errors on the lenders part ( XXXX ), several months of student loans were not debited from my nieces account ; in addition, due to operational and systemic errors on XXXX 's part, I was never contacted or notified regarding any late/missed payments. In addition, other operational and systemic errors on XXXX 's part, include the incorrect recording, by them, of my date of birth, limiting my ability to conduct business with them, as my identify could not be verified. I notified & reported this information to XXXX of the credit reporting agencies ( Trans Union ) for assistance but to no avail. 

Company response: Company chooses not to provide a public response
Consumer complaint: HC began reporting on my cr in XXXX. I sent several letters via fax to validate, which they ignored ( illegal under Texas statue, a collection company must validate within 30 days in Texas ), until I filled a complaint with XXXX. They also continued to report to the cr even after receiving my dispute, which is not in compliance with the FCRA. Finally XXXX was able to get documentation for me. What HC provide is a joke! I requested a contract showing where I agreed to XXXX services ( which I NEVER HAVE ) .Until this day, I have not received it. The bill they sent me has my name misspelled and an address that I 've never lived at. It does n't have an apt # on it. I feel like HC is attempting to force me to sign a fraud affidavit in which I have to pay to have notarized! I am not wasting my money on the incompetence of this company! I have never had any account with XXXX! I will file a complaint with AG XXXX XXXX and the CFPB if they do n't provide what is requested! 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife attended a XXXX and still has some debt we have been paying on. Recently a third party contacted us requesting a payment plan or a settlement in full. Finding this kind of fishy we contacted her school loan company ( XXXX ) they informed us the debt had not been transferred to another company. Knowing it was a scam I assumed they would leave us alone. They have now emailed documents to prove there legitimacy which is joke as the debt and names on the paperwork is not accurate. I am hoping to stop these guys from hurting anyone else that might fall prey to their scam. 

Company response: Company chooses not to provide a public response
Consumer complaint: This debt is not mine and has previously been removed from my XXXX Credit report. This company " North American Recovery '' continues to keep putting this collection account on my credit reports even after they have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report, but XXXX stated it was verified by North American Recovery but both companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting North American Recovery provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am, the responsible party for this debt. When they fail to provide such information, I request this false collection account be IMMEDIATELY DELETED from my credit file until such document can be provided bearing my signature. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Commonwealth financial has changed a collection account number so they can reinsert this to the credit bureaus. XXXX account number was XXXX now it is XXXX, this to me is in violation of the law. They can not prove I owe this debt, please look at complaint case number XXXX, there is no debt validation, and they know this that is why they changed the account number. I will be filing a complaint with the Illinois attorney generals office and seeking legal help to file a class action law suit. I will start a social media page to see if any other cousumers are being treated in this matter. To this day I have not received debt validation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a checking account with Doral Bank located at XXXX XXXX XXXX XXXX since XX/XX/XXXX. 
On Friday, XX/XX/XXXX, Doral Bank, XXXX XXXX, PR was closed by the Commissioner of Financial Institutions of XXXX XXXX, and the Federal Deposit Insurance Corporation ( FDIC ). 
My Doral Checking account was later assumed by Banco Popular de Puerto Rico ( BPPR ). " The acquiring institution '' Per their website, XXXX. The conversion of the BPPR and Doral was completed a few months later. 

According to the FDIC, it is assumed that the fact that the deposits are transferred to " the acquiring institution '' does not affect the day to day banking operations. However since the conversion made I have NO access to the funds nor make or generate any transaction at all. 

Apparently, " The acquiring institution '' had an incorrect address on their systems, unable able to send notifications, including a complete kit with the new account number, cards, and a " PIN '' required for the web registration. On my several attempts to the customer service center, I have explained that I 'm currently living in the U.S ; however, I retain a local address in PR. This is exactly the same address that I have been receiving mail from Popular Mortgage, a division of Banco Popular, PR. For an unknown reason the bank could n't match this address. 

It 's been four months since I started communicating to BPPR that I require access to my checking account to receive the proceeds of the rents of a property retained in PR as well as to pay the mortgage associated with this property financed with Popular Mortgage Inc. ( now 4 months past due, with all the funds sitting in the account ). I have provided the correct address several times and I believe that their systems are finally updated. However I still need to receive the information associated with the checking account. All of the customer service representatives that I have contacted insist that because I 'm not residing in PR I 'm not allowed to receive an account number or PIN to validate. In the meantime my mortgage continues to fall. 

I demand that " The acquiring bank '' ( 1 ) send me a complete kit of the new account assumed, as well as any cards and PIN or information needed to be able to register on their website to generate transactions. 2 ) make any adjustments required to any of the ( XXXX ) Credit Reporting Companies, that could be negatively affected by " The acquiring bank ''. 3 ), cease and desist any written or verbal communication from Popular Mortgage Inc. asking mortgage payments while the funds are clearly sitting on the account for over three months now. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed several accounts on my Experian credit report on XXXX/XXXX/15. Ihave yet to receive a response to investigation results. Pulled creditXXXX/XXXX/15 which still shows XXXX XXXXaccount # XXXX reflecting $ XXXXbalance. This was a rental agreement and merchandise was picked up. 

Company response: Company chooses not to provide a public response
Consumer complaint: i have an account with TCF bank, on XXXX/XXXX/15 I purchased shoes from website, in thein the amount of {$170.00}, the items were out of stock, so I requested refundon XXXX/XXXX/15, and since then back and forth with this merchant to refund me, finally 10 days ago or more, the merchant stated they refunded me for the full amount, but TCF bank insisting that there is no refund, and they are requesting me to ax them information proving the communication between me and the merchant, I faxedthe info 3 times, and keep saying its not showing received and they are investigating the issue ..I am the victim and they are holding my money, when actually I showed the solid proof that the merchant stating they refunded me and my bank have the moneyto tell you the truth, I do n't know who to believe anymore, its been 2 months ... 
I gave up ... Please help 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife and I filed for bankruptcy under chapter XXXX on XX/XX/XXXX and was discharged on XX/XX/XXXX. We thought that after the discharged of the bankruptcy we had a clean slate. Since then we have obtained few credit cards and pay all on time. We also maintain our home mortgage payments on time. In other words we have never been late on any account payments since XX/XX/XXXX. 
We recently applied for an Equity Loan from the XXXX XXXX XXXX to effect some repairs on our home and we were rejected because of : Serious delinquency, numbers of accounts with balances etc. XXXX XXXX XXXX based their decision on the fact that all XXXX credit reporting agencies still list on our credit reports all the accounts that were discharged in the bankruptcy. I think is very unfair to based their decision on our financial problems prior to the bankruptcy since according to our laws we supposed to have a clean slate after we painfully were forced to file in order to save our home. 
I am a veteran and I feel XXXX XXXX XXXX should give us a XXXX look 

Company response: Company chooses not to provide a public response
Consumer complaint: Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
At this time The debt collection agency continues to report invalidated information to the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I worked as loan officer/branch manager for LendSmart mortgage in XXXX AZ. 
They did not pay me my comp plan, they were charging me for " branch " expenses and pay me what was left over .They were running NET branch which is illegal .When I tried to resolve that with them they emailed me that they would not pay me what was still owed to me and they did not even 6 months after I resigned. They also requested in order to be paid what was left over to sign agreement that I am waiving my right to come back and ask for even adjustment if numbers were not correct. At that point I did not sign anything because their accounting was horrible and they had mistakes pretty much on every pay period .They would not pay me and after we " resolve '' discrepancy it will be another reason for not paying. I did not want to sign agreement because I believed what they did was not right and by rules but they were ones that holds my paycheck and they could do anything they want. This company simple should not be in business at all. They also when I resigned email me that if I do not sign same paperwork they would not pay me at all due for me breaching a contract and violating some rules even they never write me up fro anything and never told me about that either until that day. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My Home Loan Servicer did not properly allow for my participation in a mandated Home Loan foreclose avoidance program nor did they provide me with the information or guidance in a timely manner to prevent the impending loss of my Home. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for credit from Best Buy, to get their credit card which would entitle me to rewards and discounts. They approved me for reduced credit based upon what they said was my credit score ( XXXX ). Knowing this was a low score and my recent score was much higher I both pulled my score from all XXXX major reporting bureaus and wrote to them sending a full copy of my recent report which showed a minimum of XXXX points higher from the bureau they cited and over XXXX from another, and requested reconsideration. They said to call them. When I did they lied and said they never report a score to the consumer ( see their letter which contradicts this ), misrepresented their report and refused to correct their error. This refusal has cost me the cost of obtaining the report and will cost me both rewards and reduced interest rates on future purchases from this business. I understand this is their typical credit approval tactic and they consistently deny full credit, no matter how creditworthy an applicant may be. They also refused to provide a facsimile number so I could provide additional information 

Company response: Company chooses not to provide a public response
Consumer complaint: On Saturday, XXXX XXXX, XXXX, My wife and I went to our bank to apply for a re-finance of our home. I was told : " You have no credit reporting. '' My reply was : " I have a mortgage that I 've been paying on for twenty years. " " Whomever has your mortgage is not reporting any payments. '' was her reply. 
Upon returning home, I checked my XXXX credit scores. Green Tree Servicing has never reported any of my payments. 
Upon calling Green Tree Servicing, I was routed to a half dozen different people before some really rude woman came on to tell me that I had never filed a reaffirmation with XXXX after my bankruptcy in XX/XX/XXXX and because of that, they were not required to report my payments to the credit scoring agencies. 
I had filed bankruptcy in XX/XX/XXXX while still a customer of XXXX Mortgage and sent them a letter assuring them that I wanted to reaffirm with them, I had never missed a payment until I requested a Loan Modification from XXXX. The Loan Modification was completed and granted in XX/XX/XXXX, two years after my bankruptcy. 
With XXXX continuing to take my payments and granting a Loan Modification in the aftermath of my bankruptcy, they effectively accepted my reaffirmation,. 
In XX/XX/XXXX Green Tree bought my mortgage and stopped reporting, Now they want me to go to court to reopen my bankruptcy and do a reaffirmation with them, before they 'll begin reporting again. Three years after they bought my mortgage, they tell me this. 
This is effectively holding me as a financial hostage, because XXXX XXXX XXXX is no longer reachable. 
Now if I want to get any credit at all I 'm stuck, with only my mortgage payments as proof of my credit history. I hate being strong armed. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I lived from XXXX till XXXX in the apartment complex XXXX XXXX, XXXX, TX. This apartment complex was bought at the end of XXXX by XXXX XXXX XXXX. Upon leaving the apartment during XXXX XXXX I was told that my deposit would be affected towards the cleaning fee and I provided my new address in case they needed anything. A few months ago I pull my credit report and found that National Credit Systems , Inc. is reporting a debt of {$180.00}. I would have payed that amount of money without problem if I would had been notified and the debt had been validated. In exchange, the XXXX notice i got from a debt that I do not know why I am being charged came from my credit report. This is causing a great harm to my credit history, and I have n't been able to get a mortgage because of it. I requested 25 days ago a debt validation notice and proof that they attempted to collect the debt before reporting it to the credit bureaus. I 've got nothing. I feel frustrated and unprotected from this company. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I keep getting automated calls that they will contact the Attorney Generals office and file a warrant on me. They have contacted family out of state saying I have a legal matter to take care. When talking to a person on the phone I requested verification of debt and I stated I was not giving my credit card information to a stranger over the phone, she then told me she could not help me and legal action would be taken. I hung up the phone and she called back seven more times in a row after I requested to not be contacted again. 

Company response: Company chooses not to provide a public response