AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XXXX XXXX, 2015 my mother passed away. She and I both had several account together at Bank of America. Because of my mother 's declining condition, on XXXX XXXX, 2015 I made a transfer into her account in the amount of {$10000.00} to pay for the upcoming funeral services. Prior to me notifying the bank of her death, the bank froze her accounts XXXX XXXX, 2015 without notification. When I went to write a check for the funeral home services the account was blocked. I have sent in numerous documents to the bank to close the account, however they have sent me numerous requests for duplicate items including the XXXX which I completed XXXX times with their Bank Rep. XXXX XXXX, in the XXXX, NJ branch. I received letters from Bank of America requesting letters of Testamentary which I submitted XXXX times. I submitted a copy of the my mother 's will after they threatened to not close the account and after my attorney advised me against submitting a copy of the will. I have called the Estate Department ( XXXX ) and spoken to over XXXX people, I have their names and date and time I spoke with each person. Each person claims to be either the Supervisor or give me a fake number or name to a supervisor. No one knows the actual status of the account. Several have told me everything was received and a check would be mailed. Then a few days later I receive another letter requesting duplicate information. Please help! I need to finish paying my mother 's past bills and Bank of America has been a nightmare. 

Company response: Company chooses not to provide a public response
Consumer complaint: Cach LLC ; Contacted me at my employer XXXX. I ended up having to speak to a representative once because I answered the phone while working ( that was part of my job title ). The other occasion was calling my employer to asking for me and representitive leaving a number to call back. They have also, found a family members number and called them asking for information about me, luckily they denied knowing me. I have now been sued by them, even though ( through much headache and research ) I discovered the court papers were delivered to a wrong address and sued in a county that I never resided in, but since the papers were deemed " delivered '' ( from what I was told ) I missed any chance proving my case and now facing wage garnishment unless I file bankruptcy. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a credit card with Wells Fargo. The " due date '' on my account is the XXXX of every month. ON XXXX XXXX, 2015 I went to my online account with Wells Fargo ready to make a payment to my account ... .this was at XXXX. When I opened my file and looked at my account online, my balance had gone up {$35.00} with no explanation ... additionally there were alert messages in red stating " Your account is over limit, remit payment at once ''. I had not charged anything with that card and looked at the definition of " date due '' ... .which clearly states that you have until XXXX on that business day to make a payment BEFORE late fees are issued. 
My complaint is that Wells Fargo is assessing a " late fee '' at the beginning of the day on the date due and not at the end of the day, as the law reads. I feel that this is illegal and should be looked into. Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: SunTrust took over the Mortgage Servicing of my mortgage in XXXX 2015. I got my first notice from SunTrust on XXXX XXXX, 2015, ( attached ). The previous mortgage servicer sent me partial information on the transfer before that. SunTrust also sent me a statement dated XXXX XXXX, 2015 stating I was Past Due {$570.00}, apparently for the XXXX XXXX payment. They said I needed to pay {$1100.00} to bring the mortgage current. I have no idea how they got that unless they were trying to collect the XXXX payment 29 days in advance. 

I use an automatic Billpayer system for all my bills. SunTrust gets a check each month from my credit union. I 'm not sure why but unlike most of my other XXXX mortgages, so far the credit union is mailing vs. sending the payment electronically. It appears it is taking SunTrust 7-8 calendar days from the time the payment is mailed until they receive, process and post it. 

As a result of this, while they are slowly processing payments, their computer starts making robo-calls to my home phone. Having received XXXX today, I got my recorder out and answered the third XXXX since my credit union shows the payment was sent on XXXX XXXX, see statement attached. 

Eventually XXXX joined the call and I was told the call was being recorded for quality purposes. I told her that they were not authorized to make robo-calls and/or auto-dial me with a computer and to take me off that list. I 'm not she responded to that. She asked for more identifying information, my phone number, other phone numbers, etc. Eventually I told her I was recording the conversation too. At that point she told me I did n't have her permission to record the call. I told her they did n't ask for my permission when I was told they were recording the call so what did it matter. She said she could n't talk with me or something to that effect and hung up. 

Company response: Company chooses not to provide a public response
Consumer complaint: There has been a recurring charge of {$280.00}, listed as collections, on all XXXX credit bureau reports. I have written the collection agency and the primary source, but neither have provided any documentation or respond to my requests. It is for a medical bill, but I have paid all my medical bills to this company. I believe they have mixed up my name with someone else from what they tell me. They never respond to my letters, they just renew dates on the credit bureau reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: The bank close my account without nofity me of reason i received a check in the mail that i did not know was not a real check. Im only XXXX years old never had a account before now Im not able to open an account in my name.because of the issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I disputed XXXX unverified items from my Experian consumer credit report ( copy attached ). I received the results from my Experian consumer credit report but Experian had only responded to XXXX of the XXXX unverified items dated XXXX XXXX 2015 ( results copy attached ). 

Experian has failed to re-investigate the accounts disputed, failed to provide the documentation or names of the persons who verify the accuracy of the accounts currently reporting on my consumer credit report, Experian has not deleted all unverified accounts within XXXX days as the Law requires under Section 611 of the FCRA. Experian has not properly verified or investigated any accounts I disputed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion and XXXX has not completed by dispute correctly. I have XXXX account that shows in the remaks that it was included in bankruptcy. It was not and I even have a letter from that account to reflect it. But they still continue to leave that in the comments or remarks. I do n't know what to do. 

Company response: Company chooses not to provide a public response
Consumer complaint: Addendum number XXXX : XXXX ( unintelligible last name ) called from Wells Fargo, in regard to our complaint. He left us a message to call XXXX XXXX, who was not in the office, so he left us a number to reach him. XXXX, that number is not in service. 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried to file for repayment deferment based on my XXXX student status as a XXXX. student with The XXXX, XXXX, XXXX, XXXX XXXX. Even though the school has no electronic code ( the main reason SallieMae refuses to grant my deferment ), which XXXX universities do not have, the following fact is obtain from XXXX, XXXX paragraph down : The XXXX is also one of only three XXXX XXXX higher education institutions to gain accreditation in the United States of America by the Middle States Commission on Higher Education , [ XXXX ] an institutional accrediting agency, recognized by the United States Secretary of Education and the Council for Higher Education Accreditation. I intent to file a lawsuit against SallieMae, and to publish bad publicity about this loan institute. The lack of an electronic code is completely irrelevant to this case. All that matters is my XXXX status at a XXXX university in the United States, even if the university is headquartered in XXXX, XXXX, XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: When the property went underwater, a loan mod by XXXX was declined. Foreclosure followed. After years the lawsuit was settled. the consent agreement is attached, paragraph XXXX states : XXXX. Plaintiff and all of its agents and assignees agrees to waive and release Defendants from any and all actions, causes of action, suits, claims, demands, liabilities, obligations, damages, trespasses, whatsoever, known or unknown, express or implied, vested or inchoate, at law or in equity ( hereinafter " Claims '' ), from the beginning of time up to and including the date of this Agreement. This release only relates to the loan that is the subject of the instant foreclosure action. 
Nevertheless XXXX filled negative reports to the Credit Report Agencies, harming my score. 
After the consent settlement XXXX sold the note to a Trust, see attached Motion to change lawyer. BSI Financial Services is the servicer for the trust. 
Neither XXXX nor BSI informed me about the transfer of the note as required under TILA, FDCPA and FL STAT XXXX. 
In a Motion to cancel the foreclosure sale ( attached ) BSI states they send a letter regarding Loan Mod, as of today we have not received this letter. 
Furthermore BSI reports to the Credit Report Agencies that we are in foreclosure on the same note. 
Threw this reporting my credit was heavily damaged, now I am unable to get a new loan do to the low credit score. Nevertheless it is a violation of the consent agreement too. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am applying for a home loan, and one of my positive accounts is missing from my Experian credit report, which is adversely effecting my credit scores. I am an authorized user on my wife 's XXXX XXXX revolving credit account, and this information shows on both my XXXX and XXXX XXXX reports, but the tradeline is not showing on my Experian credit report. I contacted XXXX, the issuer of the XXXX XXXX account, and they stated they ARE reporting it to Experian and that there is nothing further they can do since they are actively reporting the information, and that it is on Experian 's end. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a wrongful charge from XXXX and it is in collection. My account was on auto bill pay and called XXXX at the time of the bill to inform them this was n't a legitimate charge as I had cancelled my account and switched to XXXX. I thought the issue was resolved as I did n't receive a bill after that until I recieved a bill from a collection agency. I had informed the collection agency but XXXX would never respond or even answer for that matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I spoke with the US Dept of Education in XXXX today regarding my $ XXXX student loan. They stated that they reported to the credit agencies way back at the end of XXXX, 2015, that my account was paid in full and that all remarks and negative history should have been removed. They said that it is the obligation of the Credit report agencies ( all XXXX ) to remove all information off my account permanently so it does not stay on my report for XXXX years. All this derogatory information is still on my credit report and it is now almost XXXX!! I have to move and this credit score is disrupting my life and unjustified!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted XXXX to let them know I was moving in with my daughter and that she already had an account so I could n't continue with mine. They told me to return my equipment to them and that they would waive my early termination fee because not only did my daughter have an account but I also had another account at my other home which I closed and paid an early termination fee due to going thru a divorce. 
a few months later I got a bill for the same exact amount due which was XXXX dollars and change so I called them and they assured me that this was to cover shipping fees on my returned equipment and that if I would pay it they would make sure there would be no negative information for my account. 
Next action I saw was that it was reported to Transunion that I owed {$290.00} to XXXX. I called the collection agency and they said they could do nothing about it and the only way to get it removed was to pay the amount shown. I asked them to verify this as it had to be a mistake and they hung up on me. XXXX was the collection company listed on my credit report for XXXX. I also called XXXX and they assured me that they would get it removed as I owe them XXXX but it has been over a month and nothing has changed. I am attaching my live chat with XXXX today again confirming that I owe them nothing. so please make this collection agency and credit bureau stop reporting that I owe money. 
my insurance has gone up and I am trying to buy a home so please assist me in this. 
I had a hard time saving the chat so I attached it in XXXX formats so hopefully XXXX is legible. Thanks much. 
XXXX XXXX XXXX XXXX or work # is XXXX XXXX. 
I can be reached from XXXX till XXXX Monday thru Thursday at the work number. 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a re-fi loan on my home with Navy Fed. Union the loan application took over 8 months with multiple problems and issues. I am a XXXX service XXXX and within the last 3 yrs XXXX these people told me in the beginning that I did n't have a VA loan I submitted XXXX mortgage applications I finally signed the papers to finish the loan process but I was unhappy with the new higher interest rate. I believe all paperwork for this loan over the last 8 months should be reviewed by the Bureau as the whole process has been very stressful for me and they have not resolve any of my complaints. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I believe that the account being re-reported to my credit report had fallen off or paid for by me. I am certain that I paid another debt collection or this same collection agency Talbott Adams and Moore spears the amount of {$260.00}. I called the credit collection agency and they asked for a receipt number which i obviously do n't have becuase it has been XXXX years since i paid for it and it was removed from my credit report. I want challenge the accuracy of the information and verification of this debt from XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We have been unable to sell our home for what is owed and contacted Navy Federal Credit Union about doing a short sale. They sent us the paperwork and we put the home on the market, during this process NFCU would not postpone the sheriff sale, however, we live in Michigan and have a 6 month redemption period after the short sale. We finally rec 'd an offer on the home and now NFCU is telling us they wo n't negotiate a short sale because it is after the sheriff sale ... this make no sense to us because they did n't inform us of this at anytime during the process. We ca n't pay off the loan and really do n't want the home to remain vacant for over 6 months. Does n't the government want banks and credit unions to work with their mortgage holders? Please help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I wrote and corresponded directly with XXXX and was told the account was closed with no penalty to me as per the contract which requires XXXX days notice and cancellation allowed for medical reasons. I also sent a letter to collection agency XXXX XXXX XXXX and never received reply. Now I see it 's still on my credit report. How do I get this removed? 

Company response: Company chooses not to provide a public response
Consumer complaint: Several years ago I fell behind in XXXX mortgages : XXXX resulted in foreclosure and the other ended in a " sort of refinance. '' Bank of America had so many hoops to jump through, documents to submit, and questions to answer that I finally had my " new '' mortgage modification payment at a now 8.25 % rate ( which was higher than the original ). I wrote back saying that increasing my rate would increase my payment, and as a consumer I was looking for payment relief in order to get back to financial health. I never heard from them as a result I am paying a mortgage payment {$200.00} higher than previously with a balloon payment in addition. I have made payments on time and am paying more than the payment amount. I just want a reasonable rate with a lower payment. I am XXXX and may not be as solvent in the future. 

Company response: Company chooses not to provide a public response
Consumer complaint: Why am I still getting a bill? I paid off my account and if I would have been informed that my rewards would be lost if cancelled ( which I should have been ) I would have requested them paid to my account before cancelling and you would have been owing me money. 

It is not much fun to get a load of groceries and then be told that your card is being declined. You had my phone number and I should have been called about the fraud charges and let known that I would not be able to use my card. I was on vacation and it was at a very bad time to have this happen. 

I feel that because of the rewards that were not applied and I was not contacted about my card being declined -- - I do not owe you - you would owe me and I would be charging you late fees and past due amount. You owe me {$40.00} for rewards and I owe you only {$7.00}. You charged me a {$29.00} late fee before I even got a chance to pay on the statement. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am looking at my credit report and saw an inquiry from XXXX on XXXX th which I did n't authorize. As per XXXX their Client Mason-McDuffie mortgage ordered a credit report and I have n't authorized either XXXX Mason-McDuffie to put hard inquiry into my credit report. I request that they removed this inquiry ASAP and no more inquiries moving forwardXXXX Miscellaneous XXXX XXXX, 2013 XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I had duplicate accounts in XXXX which shows the balance XXXX e.g. XXXX $ on a card that has {$4000.00} total. I erased the XXXX card and paid off the card since. 

Company response: Company chooses not to provide a public response
Consumer complaint: Called before XXXX on XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). In addition, they are calling my cell phone using an auto dialer. In total, they have made XXXX auto dial calls. 

Company response: Company chooses not to provide a public response
Consumer complaint: the lender was very good at giving the loan out at making 135 % interest! but when I tried paying off the loan early ( there was no prepayment penalty stated XXXX the kept giving me the run around about pending payments and wanted me to overpay the balance on the loan! RIP OFF COMPANY TAKING ADVANTAGE OF PEOPLE IN NEED! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The information has not been updated on my account. My account says that I have a balance of XXXX dollars owed to XXXX on XXXX XXXX XXXX but I have a paper that shows that my balance owed to them is XXXX. My bill has been paid but yet it has not been showed as paid on your balances on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a phone call today from a lady in XXXX state stating they are a 3rd party legal and attorney service and wants me to give my phone number and address to them for a XXXX legal matter. I have not lived in XXXX since XX/XX/XXXX. I pulled my credit reports today and found this new collection account on my XXXX. Please remove this account from all XXXX reports.commonwealth financial systems acc XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXCollection account. {$270.00} past due as of XXXXYour report number isXXXX Report date : XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Have been receiving calls from XXXX at Summit Receivables ( XXXX & XXXX ) regarding a debt for XXXX XXXX XXXX at phone # XXXX. The phone number is my XXXX number that I have had for over five ( 5 ) years, but I do not know the above mentioned XXXX . XXXX. Today was the fifth time the agency has called and the fifth time I told them that there is no XXXX . XXXX with this phone number. Please advise how I get them to stop calling me!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Account was charged off for XXXX dollars and I paid XXXX check of XXXX dollars XX/XX/XXXX and XXXX of XXXX dollar XX/XX/XXXX experian is reporting this and transunion and I mailed them statements if proof of payment 

Company response: Company chooses not to provide a public response