AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: On XXXX XXXX between the hours of XXXX and XXXX I went to First National Bank located in XXXX XXXX , PA to close my savings account, after contacted them in the past by phone they indicated me that I must be in person to any branch in order to close the account. Around XXXX they made an automatic transaction to my savings account with I asked to close in the afternoon, I call them nex day XXXX XXXX to clarify why they made the transaction and overdraft my account and charge {$37.00} fee, if I was in person and with time the day before in the bank to closed the savings and avoid this situation. They give a number to contact a supervisor XXXX XXXX this person never spoke with and someone told me he contact you and he never call me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I took XXXX dog to XXXX XXXX hospital to the vet and made monthly payments of XXXX. To my knowledge this was not credit or a loan kind of deal but more as a pay as you go for service. I called around. XXXX/XXXX to cancel the debt the debt was never canceled by XXXX and they continue to charge me up to XXXX XXXX. After my dogs care had stopped there in XXXX being the last month he was ever seen in that hospital. I received a letter saying I owe XXXX to I.C. Systems. I attempted to call them because I Believed it was a scam and I I never heard from them again. Today it was report to the credit bureau. Which I do n't understand cause it was never a credit and I refuse to accept that debt because my animal stopped recieving care. Not only that I.C. systems never followed up with me. I am willing to pay what is owed up until XXXX/XXXX and have the removed from my credit report because it is unfair that I 'm being overcharged for services that was n't Provided after XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I filed a chapter XXXX bankruptcy and Transunion in the public records section of my credit report has an amount listed.No amount can show in a discharged account by federal law no amount is showing on my XXXX account under the same category.I tried to dispute on Transunions site but for some reason it kept timing out.This is for XXXX XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: BACK ON XXXX XXXX 2016 I RECEIVED A CALL FROM A LOCAL LOAN CO. WHICH THEY SAID IF I WOULD COME UP AND PAY THE LOAN OFF IT WOULD BE LESS THAN WHAT IT NORMALLY IS SO I WENET UP AND PAID IT OFF AND TRANSUNION AND XXXX AND PROBALY XXXX STILL HAVE IT ON MY CREDIT REPORT IF THESE COMPANIES DO N'T UPDATE THERE RECORDS WHY ARE THEY STILL IN BUSINESS BECAUSE THEY CAN XXXX ALOT OF PEOPLES LIFES UP THANK YOU. 

Company response: Company chooses not to provide a public response
Consumer complaint: For the last couple of weeks, we have received calls from UCI stating my wife has a debt. We have caller ID and do not answer calls from unknown parties so the call is recorded. We owe no debts and have received no mail notices from anyone about any unpaid bills. The calls are coming from XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2010 I was forced to move because of my job. The bank attempted to foreclose on my home without any late payments and would not allow me to rent my home to anyone. The deed of trust said I had to live in it. The mortgage counselors said I had to miss payments in order to gain protection from the law. I had to fight the bank and the final resolution was a deed in lieu with the understanding that they would correct my credit bureau. They did not correct it and it is currently reporting as a foreclosure. I have disputed this information repeatedly and spoken to the bank but I have no resolution to this day. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX misrepresents the correct date of this account being open. They acquired this debt from companies currently listed on all XXXX credit reporting agencies. I have requested investigation of this fact with no satisfactory results any credit reporting agency.The correct open date should be XX/XX/2009 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I incurred XXXX overdraft charges on my checking account on XXXX/XXXX/15 of {$35.00} each, for a total of {$100.00}. My account was overdrafted by & lt ; {$500.00} on XXXX/XXXX/15. 
I have several account notifications set up through BofA.com to inform me if my account balance drops below {$500.00}, my account overdraws, etc. When I received an email on ( XXXX/XXXX/15 ), I immediately transferred {$1500.00} from my Bofa Savings to BofA Checking ( XXXX linked accounts ). This was more than the overdrafted amount. I still incurred XXXX fees of {$35.00}. 
I called to have these fees removed. The initial customer service rep ( XXXX ) was very pleasant but her manager ( XXXX ) was incredibly rude and condescending. I kindly requested for the overdraft fees to be removed as I had not received any notifications until it was too late. The purpose of setting up the email notifications is to inform me BEFORE fees are incurred, not after. She said that is not their responsibility and told me I needed to have made a cash deposit before XXXX on XXXX/XXXX/15. She did not answer my further questions and hung up on me before our conversation was over. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX is being reported as being 30 days late on my Experian report and I believe that is incorrect. The account has been current always, to my knowledge. I have asked for support on the reporting but I have not received it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am a displaced XXXX XXXX student. I did not received accreditation for the program that I was enrolled in for the school closed before I could receive it. I attended XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX between the dates of XXXX 2014 and XXXX 2014. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Received a phone call at XXXX claiming that this XXXX XXXX was trying to reach out about a lawsuit that was attached to the social security number and that action needed to be taken asap. I googled the phone number that was on Caller ID and it is not registered to the place XXXX was claiming she was calling from. XXXX claimed she was calling from GLC Associates but when I searched the company their website said they were a work safety consulting company. I searched the XXXX number and a GCL Financial Group came up with a lot of consumer complaints. I also searched the XXXX for GLC Financial groups where consumers complained of this company being a scam and taking money. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Trans Union, XXXX are reporting a {$93000.00} dollar deb in my credit reports and this is a mistake make by the child support system. After a lengthy proses trough the court systems I was able to correct this problem and the judge finally signed the order to remove the deb. So since XXXX XXXX 2015 my balance is {$0.00}. but this above mentioned credit agencies refuse to remove the information from my credit file despite my efforts to provide copies of the original court orders and XXXX requests to remove it. They just do n't care. Trans Union have the information twice on the same report making my XXXX XXXX X XXXX = XXXX this is what creditors see when I apply for credit that I have an outstanding debt of {$180000.00} and this is impairing me from buying a house or a car. 
I am writing the CFPB as my last resource of dealing with this credit agencies. Please help me with this problem. 
Thanks. 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The primary creditor of this account has never contacted me in regard to taken further action to collect payment. In my defense payments has been auto scheduled to a min payment deducted every month from my account, but creditor decided to close my account without any notice and send me to collection instead of contacting me directly through all sorts of updated information on my account to settle this issue. I was wrongly sent to collection by this creditor and my balance is showing {$150.00} higher than what really is in facts. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Drive Time sold me a car ( Chrysler 200 XXXX ) at 16.9 % interest. I drove the car a little over a week and the Anti-Freeze hose was completely busted that I could n't even replace the hose i had to replace the entire hose including the cap mounted to the front of the car. Since I 've had my car the 2nd week I 've been filling my front right tire up with air because the light keeps coming on " low air ''. Drive Time told me today that my payment was Behind ; after a day when in fact I 'd paid the car not the night before they called through my bank - telling me that I would inquire a 2 % interest late fee EVERYDAY that I 'm late. I told them i would Not pay that I could show them receipt of the date and time stamp that I made the payment. I refuse to be paying a company that will try to bully me harrassing and calling my phone at work repeatedly during the day BEFORE and AFTER I 've made a payment. My number is XXXX and email : XXXXXXXXXXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received lease renewal notice dated XXXX XXXX, 2015 which I signed indicating that i would not be renewing my lease, I returned this to the leasing office on XXXX XXXX, 2015. This was not considered to be notice that I wanted to end my lease and leave. There was a form that I did not know about that is given to indicate notice to vacate an apartment. I found out about this form, when I went to the leasing office to ask about a notice for XXXX rent. I have been sent a bill from a collections agency for the amount of $ {$3.00} XXXX. I am unable to pay this kind of money. I do owe rent for the month of XXXX which I am willing to make payment arrangement. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I called TransUnion at XXXX to put a fraud alert on my social security number after it was released by my employer to the wrong employee. TransUnion had me provide all information into the phone and than provided me with the address of XXXX. The recording told me to send my personal information, social security card, and another form of identification, such as my drivers license. However no other information was provided, therefore I have no idea what I am supposed to send requesting to place a fraud alert on my account, no form or anything. The recording only said send my social security card to this address. I am in a great amount of frustration over the whole process and just want to place a fraud alert on my account to XXXX and TransUnion. How can I get this done? 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Good day and thank you for resolving my last issue with Wells Fargo Bank. Yesterday I went at the Wells Fargo Bank with a copy of my letter of verification for dated XXXX XXXX 2015 for an updated letter for the last six months which ended in XXXX, 2015 and was very unsuccessful. I call the toll free number and spoke to a representative and her supervisor XXXX XXXX and was unsuccessful. I need this verification letter for a XXXX waiver program to be submitted by XXXX/XXXX/2015. Please assist ASAP. 

Company response: Company chooses not to provide a public response
Consumer complaint: On my transunion report ( through XXXX " the folllowing information is showing incorrect : - XXXX mortgage ( open with XXXX missing payment ), it needs to show " closed with zero missing payments - XXXX should show closed Please Transunion correct this information 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There are several accounts that have been re aged on my credit file. My issues were a long time ago and past 7 years and still listed. Is n't this against the law? I have disputed several times and I do not get a response back. Please assist me in this. 
XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. XXXX XXXX # XXXX, XXXX # XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I disputed items on my credit report that either did not belong to me or were not reporting accurately. I only asked for the items to be removed or updated. I received a response of verified from creditor but NEVER received proof of verification that the items in question were mine or reported accurately. It is by law my right to receive this information or I demand that the following items be removed or updated : XXXX XXXX XXXX - I HAVE NEVER had a payday loan and I DEMAND proof that I applied for and received these monies or remove it from my report. 
XXXX XXXX XXXX - I was a co-signer on the vehicle. I should have been removed. I have demanded a resolution to this matter and it is being ignored. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt. 

The details of the debt on my credit report are as follows : Account number : XXXX Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Company Name : MRS BPO Original Creditor : XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: First, and I realize this is not an illegal business practice, I am very upset that I was sold this card at my bank and was not told that they were partnered with a 3rd-party service provider, rather than handling the debt themselves. This card has been the bane of my existence! 

My chief complaint, however, is that I recently learned that Cardholder Services does not permit online update of auto-pay information, although they provide a way to update bank information online. According to the representative I spoke with today : " We do not know that [ you ] have changed bank accounts just because you update the bank account information on our website. How would we know this? '' So despite the fact that I changed my bank account information on their online portal in XX/XX/XXXX when I changed banks, Cardholder Services attempted to debit my old account, I got hit with a returned item fee, and I had to deal with their abysmal joke of a customer service representative. Apparently, the only way to change auto-pay is to call Cardholder Services, have them update their database, then go online and set up auto-pay again. Insane! 

During that call, I authorized my domestic partner to speak on my behalf and my partner requested that a copy of the cardholder agreement or other document that stated that I was required to call them to update the auto-pay details be mailed to our home address for our review. Immediately upon my partner requesting this, the representative refused to speak with her any further, which given that Texas is a Community Property state and we have a notarized document declaring that we are responsible for each other 's support ( debt included ), I 'm fairly certain my partner has the same legal right as me to request said documentation. I 'm also fairly sure that policies such as this must be in writing. I 'm also fairly sure this representative refusing to speak with my partner when I instructed her to discuss these matters with my partner is illegal and discriminatory! My partner asserted a legal right and I want to understand why we were treated as morons ( the representative spoke to us as though our combined XXXX ) and I had to re-request that the documentation be sent ( with no assurance that it would be ). 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015 and in an earlier Qualified Written Request ( QWR ), both Congresswoman XXXX ' office ( via XXXX XXXX XXXX ) and I inquired in writing about who in fact is claiming ownership to my loan and under what authority was Select Portfolio Servicing ( SPS ) given the right to service the questionable loan. In a letter dated XXXX XXXX, 2015, SPS again did not provide written proof of their financial or legal interest they are claiming they have in my property. 
Upon researching recorded documents at the XXXX County Recorder 's Office, the Mortgage-Backed Security ( MBS ) SPS cited in its correspondence ( XXXX XXXX Trust XXXX ) as connected to my home ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) does not exist within any records submitted to the XXXX XXXX XXXX Recorder 's office. It does not appear on any documents connected with my residence. More important, this MBS ( XXXX XXXX Trust XXXX ) does not exist within the records of the Securities and Exchange Commission ( SEC ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX SS # XXXX You still have not deleted XXXX as you can see XXXX has it displayed correctly on my report but you do not this has gone on for far too long you must correct tower FCU or delete it stop playing games and do your job!!! 
Delete XXXX XXXX You have id and utility bill an drivers id attached COMPANY XXXX - XXXX. XXXX XXXX XXXX - LOAN TYPE Credit Card Credit Card - ACCOUNT NUMBER XXXX XXXX - ACCOUNT HOLDER Individual Individual Account - DATE OPENED XXXX, XXXX XXXX, XXXX - STATUS DATE XXXX, XXXX XXXX, XXXX - CONDITION Closed Closed - LAST ACTIVITY XXXX, XXXX XXXX, XXXX - BALANCE {$0.00} {$0.00} - STATUS - Wage earner or similar plan - LATE 30 DAYS 0 times 0 times - LATE 60 DAYS 0 times 0 times - LATE XXXX PLUS DAYS 0 times 0 times - WORST DELINQUENCY None Reported None Reported - HIGH BALANCE {$0.00} {$0.00} - TERMS - - - SCHEDULED PAYMENT - - - CREDIT LIMIT {$0.00} {$0.00} - REMARKS Consumer disputes after resolution Chap. XXXX/dispute resolved/consumer disagrees - Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am currently unemployed and having trouble keeping up with my XXXX mortgage payment with Ditech home mortgage. They know this. I have told them several times that I am trying to get them the money I owe them. I have been able to avoid foreclosure through family members. I get collections calls from them telling me that they know the house is vacant and are taking steps to take the house, and they know that I am still living at the address Now my relatives are getting calls telling them that I have a package and need to call a certain number to receive the package. I have check the internet on Ditech mortgage have found several negative remarks, and complaints about them. The loan was originally with XXXX mortgage company and sold to Green tree mortgage and sold to Ditech. 
I did not receive a new service letter from either green tree and Ditech. Which I believe is a violation. I worked in the XXXX fro fourteen years and I remember having to send letters of new servicing to customers I also AVE STRONG SUSPICIONS THAT THEY ARE INVOLVED IN PREDATOR LENDING PRACTICES. 


Thank you, XXXX XXXX DI TECH mortgage XXXX XXXX XXXX, SD XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I will try to explain, but so much has happened not sure where to start. This has been going on for 28mths just about. We have tried to do a loan modification and have been given the run around to the point we got behind and had to hire lawyers to help us and after the lawyer we were paying got suspended we have been left alone. We have contacted Freedom Mortgage since they got our loan back in XXXX XXXX from the previous lender which was XXXX. Since the lawyer we were left us high and dry in XXXX XXXX, we have been contacting Freedom, they keep giving us the run around. They said that we need to short-sale and if not they will give us 3 months to do a deed of liue and help us with relocation cost, we have wanted that in writing ... they keep saying that they have sent us a mitigation package and all that and to this day we have yet to receive it. I 'm sorry I forgot to mention this all started due to my husbands hours were cut and he had some medical bills that arose due to he had XXXX in XXXX and it looked like something had came back that caused us to apply to do a loan modification and it led to 28mths of fighting with mortgage company. So..after the told me to short-sale ... I went ahead and found a Realtor who put the house up ... she called them and they told her over the phone that the payoff was {$190000.00} and we had tittle company request it in writing ... we got an offer on the house while it was only on the marker for 7 days we were still waiting on the mortgage company to send the payoff..I have called them, had to leave a voicemail to a caseworker who never calls me back, left a message for a manager to call me and that has n't happened either ... we have a VA loan ... I do n't want to loose it, but how can I work with a mortgage company that is not working with me is almost as if they want to foreclosure.We do n't want that, we did not miss our payments on purpose, it was a life crisis that we ende dup in and went straight to the mortgage for help. Right now the people are waiting on our counter offer which we ca n't because Freedom has yet to send anything or return my calls. I 'm stressed, I just want to sale the house and move on, but the longer it takes the longer our credit is ruined. I want Freedom to help us and to do as they have said they will do. We ca n't loose our VA and we do n't want to foreclosure, we have tried to work with them and even have had an attorney email them to call him and they have n't even called him. All t his to me just does n't sound right and Im so scared that we wo n't have anywhere to go and no money to go anywhere. Please help us!! Please! 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I HAVE FILED 3 TIMES TO THEM THAT I HAVE NOT APPLIED FOR CREDIT I WAS IN THE HOSPITAL FOR 3 YEARS IN ICU AND SOMEONE HAS MY SOCIAL SECURITY NUMBER AND A COPY OF MY DRIVERS LISC WHERE I HAD TO FILE FOR ANOTHER DRIVERS LISC, I WILL BE FILING A XXXX DOLLAR LAW SUIT AGAINST THEM I WANT ALL THIS OFF MY CREDIT ... 

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