AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I bank with BB & T. I had a small overdraft on my account. Well a few days later that small overdraft turned into {$350.00} in overdrafts. From what it looks like they moved transactions that I know had already cleared my account and caused even more overdraft fees. They also moved things around to look like I had more money than what I had in the account and I did n't realize what they had done until it was too late and I had all of these fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: We received a recorded call that can only be partially heard because the recording starts before the tone indicated by our answering device for starting a message. However, we did hear them identify themselves as " this is a debt collector ... .etc. '' We are a health services office and do not have any outstanding debts. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In 2008, My ex husband bought house on XXXX XXXX XXXX in XXXX XXXX, NY. The loan was through Bank of America. I am not on the loan. Bank of America is trying to serve me with papers about a foreclosure. I am not an owner. They are also reporting it on my credit report which is fraud. My ex husband is XXXX XXXX and he lives at XXXX XXXX XXXX. XXXX, NY XXXX. Article XXXX of my dirvorce decree states that I am discharged of any obligation with regards to XXXX XXXX XXXX. Per my divorce decree the judge 's ruling is binding. I will not accept any papers regarding anything with XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 'm XXXX. We have a unit owner who has paid NO common charges in over XXXX years. She presently owes our XXXX over {$100000.00} and we have no remaining recourse because the bank refuses to foreclose on the mortgage. We would like the bank to foreclose and reimburse us for maintaining THEIR property for all these years. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion is continues to report a account that does not belong to me that I have disputed several times according to my rights under FCRA. I also have provided them with proof from XXXX that states they can not locate and account number under my name, social security, date of birth, etc ... I am hoping that the CFPB can help me get some results. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit report for Trans Union states that I used XXXX % of my XXXX XXXX account. ..which is incorrect? I 'm guess that this mistake caused the credit score to decrease by XXXX. Why would XXXX XXXX let me put more on a card than the limit? Did n't happen!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: Refused to change address and mail statements to correct issue. Thier only resolution was for me to go inside a branch and verify my identity in person. After explaining due to a handicap that would not be possible, they insisted the only way to verify my identity was to go inside and prove it. Instead I faxed them my birth certificate, ID card, Social Security card, and billing statement. They continued to refuse to update my address, and blocked all online access permitting me to see balances. and blocked online banking so I can not make payments. They would not give me the account balance when I called in, because I was not " verified '' 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently recieved an email from a XXXX XXXX XXXX claiming I was due back money and that I needed to send my personal information to the paying bank which was Barclay bank and show a passport however I do n't travel and I do n't own a passport I believe this is a scam I never heard heard of the person who was saying I sent them this person goes by a XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I settled my payment but it 's still showing on my credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2008, like many Americans, our family was suddenly underwater with our home mortgage and we got behind due to a job layoff. We applied for and were accepted in President Obama 's aid program. We did a loan modification with Wells Fargo. Our home mortgage went up the exact amount as the aid package, so we thought we were paying off this aid in our new payment. However, we were recently blocked from selling our home to a buyer who 1 ) was qualified and 2 ) did not have a property to sell. We also received what we needed in the offer. That sell was blocked as the title company uncovered a XXXX mortgage in the amount of that same aid. Please pursue this matter with Wells Fargo. We are open to a fair and equitable settlement. 

Thank You, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: There is an credit card account that is stated as XXXX days late on my credit report when it was deemed not late by the credit card account company. 

Company response: Company chooses not to provide a public response
Consumer complaint: Allied Interstate constantly calls my home several times a day. When the call is answered no one answers on the other end no matter how many times you say hello. When the call is not answered, they leave a blank voicemail. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent Experian numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly. 

Company response: Company chooses not to provide a public response
Consumer complaint: Since I open the account with Navy Federal I had several Fraud or misuse that was allowed by Navy Federal Credit Union they are not protecting my account nor keep the account secure Home Shield charge my credit card without my authorization claiming that they have card number on this can not be true because had my card change several time prior to this unauthorized charge of {$68.00} so how did they get the card number. Please review my account XXXX make sure charges and fees are apply correctly and the Credit Union is working within Federal Government Regulation 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Either a Macy 's customer used my phone number or their debt collector randomly selected mine and attached to delinquent account. I asked not to be called again. Called again less than a day after I requested for the harassment to cease. I called the XXXX number left on voicemail by XXXX XXXX. She verified by last XXXX of the SSN that I am not the account holder. 

Company response: Company chooses not to provide a public response
Consumer complaint: Received call from ( XXXX ) XXXX and msg indicated call ( XXXX ) XXXX -- person answering did not identify the company I was calling and got testy when I asked what company I was calling ( interestingly, without my telling this person my name, they had my name ) -- I refused to give this person my name and asked at the get-go what company had called me. This person was yelling at me stating that " no one ever calls and not states who they are ... '' -- stated I was being sued for a $ XXXX debt and writing a bad check for over {$1000.00}. I am not the person they wanted : name was my first and last name, date of birth not mine, state of residence at time of " crime '' was in Louisiana. This person was very, very rude, yelled at me, and threatened to send case for me to be arrested. Finally after verifying the above name, date of birth, and state, the said would remove my name and number ; however, I have received several calls from this same number. Please do something about this. When I looked up both telephone numbers on the internet, there are complaints about a man named " XXXX XXXX '' -- I still do not know anything about the company or the company he is " representing ''. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have my credit frozen with Experian and XXXX. I havesubmitted all information they have requested to unfreeze mycredit per their website. I have lost my XXXX digit pin numberthey require which is why I have to send everything in themail they request as proof of identity. I receive nothing backsaying why they have not unfroze my credit and thereforeI ca n't get a loan currently. You ca n't talk to anyone on thephone because they just direct you to the website with theinstructions to follow to send everthing snail mail to get itunfroze. Help on this matter would be greatly appreciated as Ido n't know what else to do at this point. 

Company response: Company chooses not to provide a public response
Consumer complaint: I agreed to a monthly home phone payment of {$19.00} per month and XXXX tablets at {$10.00} per month. They were supposed to waive all of the fees up front. The amount I should owe from XX/XX/XXXX through XX/XX/XXXX is {$120.00} plus about {$300.00}. to break my contract due to their negligence. That would be a total of about {$420.00}, not {$830.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: I have sent Trans Union numerous request to investigate and correct accounts in my credit report that are reporting incorrectly. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage loan was transferred to LoanCare and since it transferred to them, my impound account was not properly funded. I now owe the county a large sum of money for taxes, out of pocket. I emailed, sent documents, and called them in an attempt to get them to pay my taxes from my impound account, they have done nothing. The people I did get on the phone were not helpful, and one employee was very rude. My emails have never been responded to. I attempted to call again last week, XXXX/XXXX/2015, to XXXX different numbers of theirs and the phone answered, but it was dead air, there was nobody there. I also had to jump through hoops with my home insurance company because the policy was not renewed as it should have been. I have never had to worry about anything with my home loan before, but with LoanCare I 'm very concerned they will mess something up again and it will cost me time and grief. 

Company response: Company chooses not to provide a public response
Consumer complaint: I Owe A Balance of {$2300.00} and i have been trying to be reasonable as possible to get this resolve i told the Debt Collector That I was XXXX And Not Able To Pay I Sent In Proof Of That By A XXXX Judge I Faxed In A Packet Of Papers They Make Like They Did n't Receive Them The Lady Name Is XXXX XXXX She Got A Really Nasty Attitude With Me Frederick J Hanna And Associates Law Firm XXXX Is The Third Party Collecting The Debt And I Had Something where they was supposed to pay off the debt when you become XXXX but they lied and they was charging me {$8.00} Monthly For That Service and It was n't Benefiting me at all they supposed to pay up to {$10000.00} if you become XXXX and I told Them That I Was XXXX And Not Able To Work Faxed In Papers From A XXXX Judge and they Make Like They Did n't Received the Fax and They Gave Me They Fax Number and I Even Have It On Paper the fax Number is ( XXXX ) XXXX and their telephone number is ( XXXX ) XXXX I Want Something Did About This And XXXX XXXX Supervisor XXXX XXXX is a Man Going Along With Her and they taking me to court over this on XXXX XXXX at XXXX I Received a paper From The Law Firm XXXX XXXX XXXX That Is Stating Dear XXXX XXXX we have been advised that our client 's lawsuit against you in the above case was recently served. if you are interested in resolving this case without further legal proceedings, we invite you to contact our Legal Department at ( XXXX ) XXXX to discuss your case in the event you are unable to reach a representative, we also welcome you to contact us via fax at ( XXXX ) XXXX or email XXXXXXXXXXXX, with a brief explanation stating how you would like to resolve this matter. and a representative will be in contact with you. However please note that contacting our office does not relieve you of any requirement ( s ) to file responsive pleadings with the court we would like to reach an amicable resolution to this matter. Payments and communications should be made only through our office. We Look foward to hearing from you This Firm is Licensed to practice law in XXXX, XXXX, XXXX, XXXX And XXXX. This Communication is from a XXXX Collector and is an attempt to collect a debt any information obtained will be used for that purpose. 
Sincerely, Frederick J Hanna And Associates, PC And When I Contacting Them XXXX XXXX said That Got Noting To Do With You Go To Court Let us Know How It Went but the Letter came to me With my name on it she had A Very Nasty Attitude 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been trying to get help resolving a lot loan charge off with BOA and I am getting the run around. 

Company response: Company chooses not to provide a public response
Consumer complaint: I thought I could trust LoanMe, so I did n't think twice about their rate of 99 %. But now I 'm paying {$800.00} on a {$10000.00} loan each month and it will take 3 or 4 years to pay it back. 

It jarred me when I found out from another loan shopper guy that 35 % is considered very high among thousands of lenders and that LoanMe 's 99 % is unheard of. 

Is n't this usury? Should n't consumers be protected? 

Company response: Company chooses not to provide a public response
Consumer complaint: Well I have had problems with accessing my account online and that is the only way I can get any information or do anything that has to do with my account other than getting money. Everything else is impossible because that 's the only way you can .I 've emailed the president of the company ( Netspend ) that is were my government XXXX gets direct deposit to. Now I have been contacting them about this problem for 5 years. I just recently have emailed there President twice now and he had some lady contact me and all she could say is to click on forgot password well I have tried XXXX of times over the years and I told her that and nothing even if I call they just have me do what already have been done XXXX of times before and that 's the far as it gets. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Enhanced Recovery continued to report an false claim on my credit files. The debt is not mind 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Since being contacted by this company I have replied to each letterin writing, provided a detailed narrative of the problems and a requestto cease any further contact on this issue. That request has beenignored. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am disputing this collection and explained that to XXXX different callers from this company. I asked them to not call again. Now they call at least XXXX times a day and then hang up. The last phone call they called, someone breathed heavily on the line, and then they hung up. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX I was able to do a home loanmodification that the Presidentput in place. My home loan is servicedwith Select Portfolio Servicing companyI have made my payments on time every month since XX/XX/XXXX except XXXX timein XX/XX/XXXX I wrote my mortgage check out ofthe wrong checking account and caused alate payment on my credit. 
For the last five years I have been working to pay offeverything on my credit report and have gonefrom a low XXXX credit score to XXXX-XXXX now. 
I wanted to get an even lowerinterest rate because shortly after Select Porfolio Modified mymortgage payment to an affordable payment, they raised my paymentthree months later to an un-affordable rate, after they had takenthe incentive from the government for my loan modification. 
So I found out about the HARP program and how you could check withyour mortgage company to see if they offer the programand could get you a lower interest rate. 
I called Select Portfolio Servicing and asked who myMortgagee was and the person that answered stated that they could not tellme over the phone and that they would mail me the name of my Mortgagee. 
They sent me a letter and I have it and advised me my mortgageewas XXXX XXXX. They did not provide a phone number for me to callXXXX. I was advised by Select Portfolio Servicing thatI could not contact them and that I would haveto contact Select Portfolio Servicing if I wanted or needed any king ofassistance in regards to my home loan. 
I went ahead and googled XXXX in NY and someoneanswers and connects me to a recording when I asked for someone in the mortgage dept. 
I called and I called to reach someone with this XXXX XXXX. 
I then applied with XXXX XXXX for the HARP program and theyadvised me that my home was in foreclosure. 
I applied with my local bank XXXX XXXX XXXX, and they advised me thatmy credit report shows my home is in foreclosure. 
I asked XXXX XXXX XXXX Loan Officer, where are they gettingthis information from because I am looking at my credit reportI pulled last week and it shows I have not been late XXXX timesince XX/XX/XXXX but in XX/XX/XXXX for writing the payment from thewrong checking account and I have proof of that. 
I would like to be contacted about what action that I can take against XXXX XXXX. 
They are purposely filing mis-information to these credit bureaureport. The banks co-CEO and CEO have recently resigned for putting people inforeclose who should have never been in foreclosure. Please contact me aboutthis matter asap, as I need to get my home refinance at an affordable rate. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a bank account with wells fargo open from XX/XX/XXXX-XX/XX/XXXX. Wells fargo keeps changing their story for why my new account was closed. I called XXXX XXXX and he told me it was because i harassed their district manager XXXX XXXX, but he did n't explain how i harassed her and my new account was closed XXXX days after it was open, very suspiciously. XXXX XXXX then proceeded to tell me in the letter that i 'm not allowed in any wells fargo, he even made sure to mentioned to say that i was n't allowed in the XXXX XXXX location where i ran into XXXX at the front door but I did not bother her. Let me point this out i had no idea anything was wrong until i called to see how much money was in my account, on XX/XX/XXXX when i learned my account had been closed. I am being treated very unfairly here and for XXXX to assume i would be a problem to disrupt wells fargo daily business. It is XXXX who is disrupting everything. I was banking with wells fargo even before XXXX started working their, its not right that i get treated this way. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX denied my application for their store card and gave reason asEXCESSIVE AMOUNT OWED ON ACCOUNTS. 
This is untrue, as shown in Experian 's report, as all my accounts are in good standing. 
As for My Personal Statement, the options to pick related reasons had no OTHER on them. I was forced to check a box that did not describe my dispute. To continue the dispute, I checked the DELINQUENT box. My reason for the dispute is stated above. My statement should be deleted from the report as I checked the box incorrectly. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a letter from Stonleigh Recovery and Associates, located in XXXX. The debt is from XX/XX/XXXX, and the company stated that they are trying to collect a debt for XXXX XXXX , XXXX, located in XXXX. The statue of limitations for debt collections is 6 years, and it is now XX/XX/XXXX. Also, debt collections must be in the same county the debt occurred. In my case, it 's XXXX XXXX, XXXX. When I talked to a man at the company, XXXX XXXX, I tried to explain this to him. The letter I received threatened to garnish my wages if I did n't respond back in 30 days. However, when I called, XXXX told me that they do n't have anything to do with a judgement because they are not an attorney 's office. When I explained he can not collect anything without a judgement, he started raising his voice and stated that a judgement has nothing to do with debt collections. He stated that I ran up a bill, and I did n't pay it, so they will start garnishing my wages if I do not agree to pay. When I stated that this was not legal, he responded by saying " well, this conversation is going nowhere, so I 'm hanging up now, '' and hung up in my face! To make matters worse, this debt is not even mine. I 've informed all the credit reporting bureaus, and have asked Stoneleigh Recovery for a fraud packet XXXX, and still have not received anything in the mail, except for another notice about garnishing my wages. There was no judgement ; just a typed letter. Whenever I try to call, the associates always transfer me to XXXX XXXX, who is engaging in rude and illegal behavior. I feel like they 're trying to intimidate me ; it is unlawful for a consumer to ask for a fraud packet, and not hear anything back! I feel like the company is biding their time trying to pass a judgement, and they wo n't even verify the debt! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was called to the front office at my place of employment. They handed me a notice of intent to collect a debit. The main problem was that it was opened for all to read. Almost everyone here gets mail and it is opened and distributed because it is all work related. This was not! This has personal information on it. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted in the past regarding debtfor someone otherthan myself. Allied Interstate was informed that I was notthe owner of the debt nor did I know them but the multiple dailycalls have continued. 

Company response: Company chooses not to provide a public response
Consumer complaint: This company has placed a debt on my credit file about a debt that I know nothing about. I have contacted them regarding this matter numerous times with no response. They are being an annoyance to both myself and my family. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello, After contacting the XXXX XXXX XXXX XXXX XXXX, they helped us identify that we are potential victims of mortgage fraud and insurance fraud/bait and switch on our original FHA XXXX mortgage. However they say they do not have funding or attorney availability to assist us. 
I was charged for $ XXXX in homeowners insurance for a number of years. After a recent incident that was estimated & gt ; $ XXXX in damages, it was found they only provided approx. $ XXXX total in coverage. I cant get work done because the mortgage company holding the insurance money and now trying to foreclose ( CVE XXXX ) despite the fact we have been following their instructions and they have nothing filed at the local courthouse to identify a lawful foreclosure. We have all copies of all documentation to include the {$90000.00} of insurance and inter-office instructions from Bank of America telling their inspector to lower repair estimates. 
We do n't know what to do and are tired of living like this. Any advise or help you could provide would be greatly appreciated. 

Company response: Company chooses not to provide a public response