AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: To Whom It May ConcernI was a student XXXX at XXXX College XXXX, California XXXX XXXX XXXX XXXX XXXX shut down without any notice while I was enrolled as a student without any notice in XXXX 2015. I have found out that XXXX College has secured XXXX loans on my behalf from following lenders ; 1 : Genesis Lending XXXX in the amount of {$50000.00} : XXXX in the amount of $ XXXXBoth of these loans were taken without my knowledge and now lenders are asking for the repayment. I was still enrolled as a student while the College shut down and have not completed the program. I do n't have a job and ca n't repay the loan. 
I kindly request that an action should be taken against the college and lenders should be paid by college. This matter has causing me a lot of XXXX and I have to answer the inquiries about by these lenders over phone. Lenders have been sending me the statements and I requested them to stop but they have suggested I should file complain at Consumer Finance. 
Please feel free to contact me if there is any information needed. 

Sincerely, XXXX XXXX XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have. Requested removal of my XXXX bankruptcy court. 
And denial letters from Ally financial letters sho. DerogatoryXXXX XXXX is removing. I would prefer names and my previous address removed not disputed. Pls resolve this. I expect my credit to beXXXX or XXXX soon 

Company response: Company chooses not to provide a public response
Consumer complaint: told to get XXXX to pay loan because they wpouldnt letus change dates.on fixed income and ss comes in after the XXXX of the month .say we had to be charged for that service.we have been paying this XXXX service for a while and I could n't understand why? said it was because we could n't paqy on due date.they also never had us to sign any papers when they took the note from XXXX.we still own around XXXX and only paid XXXX for unit.been paying since 1999. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Sometime around XX/XX/XXXX, we applied to re-finance our Bank of America home loan. After being told on the phone that we were approved, and even offered congratulations, and after filling out the extensive paperwork, we were denied the refinance because of my wife 's bankruptcy in XX/XX/XXXX. Bank of America told us that we would have to get this bankruptcy " re-affirmed ''. I was able to contact the bankruptcy lawyer we used nearly ten years ago and he told me that " re-affirmation '' was impossible. He said it would have been impossible at the time ( the bankruptcy judge would have thrown it out ) and it remains impossible today. After I told officials at Bank of America this information, they put me in a video conference with XXXX of their agents in XXXX, TX who insisted that it is possible. The bottom line is that we were denied mortgage refinance because of a ten-year-old bankruptcy, the terms of which can not be changed. We believe, based on our current credit and our perfect record of mortgage payment since we bought our home ( XX/XX/XXXX ), that we were unfairly denied mortgage refinance. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX bad things on Regions bank that just not right. I still and have always had an account there for years. They gave me a line of credit that with my auto deposit they took it out each month. I just do n't understand. I am in great standing with this bank Regions opens in XXXX tn. Please help me resolve this and get my credit up. Also my insurance paid the outstanding bills. Thank XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX has placed me into collection for a bill they have not even sent to me yet. I ended my service with them on XXXX XXXX, and have yet to receive my final bill from them. However, I received a call today ( XXXX XXXX ) from a company purporting to be a debt collection agency called Southwest Credit Services, with whom I have never had any interaction previously. This person told me that XXXX has placed me into collection for a {$52.00} dollar bill that I have not received. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Received a collection agency notice to collect a toll I do not owe. If I had owed it, I would have receive a notice from the State of Florida. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I did a payday loan, and was told after the loan was in my account I would get charges interest rates everyday the loan accrued interest, which sounds odd to me. I was laid off and called the company my account was placed on hold until I went back to work and now I am getting threatening emails, even with the account being noted it is on hold. I received this tonight, the loan was XXXX and I made XXXX payments of XXXX on the loanHello XXXX , This is an urgent notice. We have not received a payment on your past due account of {$520.00}. We understand that complications arise and we are willing to negotiate a settlement for your overdue balance. We have reviewed your account and are willing to settle the balance of {$470.00}. If you do not respond to this email immediately then we will move your account into further collection. Contact our Retention Department now at XXXX to avoid your account going into further collections. 

LAST CHANCE OFFER ENDS XXXX XXXX, 2015. 

For Credit/Debit Cards : Call us at XXXX to process a payment over the phone. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XX/XX/2015, I returned a call that was left on my phone's voicemail to XXXX(XXXX) from United Bilt Homes Corp in XXXX LA. During this call, XXXX said we had missed our payment for XXXX. I informed XXXX, our due date was on XXXX and we had a 10 day grace period and we had up until the XXXX of the month.  He was quick to say no, that is when we will receive a late payment penalty. And then asked me how I would like for him, XXXX, to take away our home from us. I told him, we were still in our grace period and the payment should be there that day or the XXXX. And there was not legal right for him to say that statement when we were not in past due status. I ask if the Owner knew how he treats people unfairly and was told the owner back him 100% and hung up. I called back, he asked if I would like to talk to the owner, XXXX and said he would transfer me to him. XXXX transferred me to XXXX, and other employees but never XXXX. After repeated times to call back, XXXX would put me on hold.
Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Well i was given a notice to vacate at XXXX apartments for violating the lease terms. They of course sent it to a collection agency named blakely witt. Now i expected to owe money but i didnt expect to have to deal with a bs company who posts XXXX what i owe on my credit report without trying to collect from me at all. So i decided to call them and ask how i could owe XXXX?! I definitely did not expect to be disrespected like i was. From the moment he started talking i knew they werent like any other debt collection agency i have ever dealt with. First off he just said hello. He didnt tell me who he was what company he worked for or that he was attempting to collect a debt. I know i called them but every other collection company did whether i called them or the other way around. To his defense though he wasnt trying to collect anything. When all he said was hello i said um hi my name is XXXX XXXX and yall put on my credit report that i owe XXXX and i would like to know what that is for exactly. So he started to read off the list and he said XXXX for rent which sounded high but possible then he said XXXX for damages and that sounded right. Then he said something about a fee for not providing proper notice. I said i was asked to leave in three days how can i leave 30 days notice in three days? He said that doesnt matter and i said yeah it does and then he said let me explain how a conversation works .... At this point i am pretty mad. Then he said a XXXX dollar collection fee. I asked what are you doing to justify that you have been on the phone with me for XXXX min and still havent tried to collect anything from me? He said it was in my lease. I said you arent helping and he told me im not trying to help you im trying to help my clients so i hung up. So then i decided i should go to the apartment complex for a copy of the lease. I asked for it and they took my number down and said they would call when they had it but of course they never did so a few days later i called them and they said they didnt have it anymore because they shred them after a year and i had to get it from blakely witt, but they have a list for what i owe so i got it and it said i owe XXXX something with collection fee included so i called blakely back. This time they asked my name and transfered me right back to the same guy who called himself XXXX XXXX. This time he refused to talk about the debt and just made fun of the way i laughed or something. I said ok whatever i just need a copy of the lease and an itemized list for what i owe emailed to me. He said he cant email only mail it i said i dont have a address because i cant get an apartment because of this debt he said call back when i had XXXX. I said fine here is my moms address but i dont think he wrote it down. Then iasked if he was going to mail it he asked " what of you think ''? Then i said please correct the amount and let me start paying on it and he told me i dont have money so i couldnt pay it then i asked what the amount he had was and he hung up. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Knight Adjustment Bureau is trying to collect {$350.00} which is more that what I owe to a daycare I enrolled my daughter in. A check I issued for under {$150.00} was returned but KAB is trying to collect for an entire week of daycare fees which my daughter was not there and did not check her in. I have my daughter at XXXX for only two weeks and was visiting for a short period of time over the summer which the daycare knew. Now they want to collect more money just because of a returned check I have offered to pay 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I went to the ATM at the Wells Fargo location in XXXX, IN like usual. The v machine has been extra slow the last several weeks and I 've just put up with the long line of cars that forms behind me whenever I 'm using it for deposits, however this time it took my money and miscalculated it! WTF? If the tellers did n't try to sell me something every single time I complete a transaction I might not hesitate to go inside so often, but dealing with them is almost more rotten then the broken atm! Please replace or service it asap! Thanks!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sent a letter from Wells Fargo regarding my mortgage on my property at XXXX XXXX XXXX XXXX, AZ XXXX to refinance my loan, the letter stated that if I sent them XXXX that could be my payment instead of the usual XXXX All I had to do was to start those payments, I did that in XXXX as requested by the letter. Now, I get the check back saying that that was n't enough money for my mortgage so my mortgage could be in default. I sent that amount to start my mortgage loan modification. I am sending you the letter I received. I did not receive any more phone calls. Now I have a letter with a check in it that they have not accepted. I have never seen anymore incompetence then these people on mortgages. I get a different loan perservation officer everytime I turn around. I have dozen of letters from different names. The loan officer does not live in my state. I can not contact anyone in my state to help me. They just refer me out to some XXXX number. This is ridiculous. This is my home and I have worked hard to keep it. They have done nothing but add to confusion and misrepresent their offers by mail. If I do talk to someone by phone, they dont even know what is going on with my loan preservationist. I am beginning to wonder if that person really exists. I am tired of dealing with incompetence and fraudulent behaviors and it has caused me great grief and stress to keep dealing with different people all the time. I am sending you the letter I received and a copy of the check that was returned to me. I am tired of all this misrepresentation and fraud.-+ 

Company response: Company chooses not to provide a public response
Consumer complaint: this fraudulent account that was removed/deleted in XX/XX/XXXX was reinserted on XX/XX/XXXX from transunion. Transunion failed to notify the reinsertion of this account within XXXX day.s 

Company response: Company chooses not to provide a public response
Consumer complaint: I have filed XXXX complaints against this company, I received a credit report today the information is still wrong. 

Company response: Company chooses not to provide a public response
Consumer complaint: on XXXX its still saying i have an open collections account with a collection agency when i paid the bill in full 

Company response: Company chooses not to provide a public response
Consumer complaint: sent in application for loan modification ( XXXX times ) bank claims they never received them 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX has repeatedly failed to process information regarding my student loan deferrment from both my XXXX as well as the XXXX XXXX times since XXXX of 2015. Fielding XXXX University registrar 's office and XXXX were able to provide me with their records of contacting XXXX directly indicating my status as a full-time student since this past XXXX 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: There 's XXXX credit card record. 
I have only XXXX!!!! credit card. 
Also there 's account on XXXX XXXX name. I am not that person. And that account is n't mineWhy it 's on my record?? 
Thanks 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/15, I purchased several items of clothing online from Macy 's with my Macy 's credit card. On XXXX, I returned XXXX items via XXXX and requested ( online ) that my credit card be credited for the total ( {$130.00} ). Macy 's instead sent me gift cards for that amount. I returned the gift cards on XXXX and again requested that my credit card be credited. When my bill arrived, the amount had not been credited. I placed XXXX phone calls in XXXX to Macy 's customer service dept. and was informed on both occasions that the outstanding amount would be credited. It was not and I was charged interest on that amount. In XXXX, I made an online written complaint to Macy 's customer service and XXXX weeks later was informed via email that the interest alone ( about {$3.00} ) would be credited and it was. I received a bill shortly thereafter ( attached ) in which I still have an outstanding balance of {$130.00} and have now been charged an additional {$5.00} in interest. I wrote Macy 's again online XXXX days ago and have not received a response. My Macy 's bill is due XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed bankruptcy, chapter XXXX, and was discharged in XXXX of this year. A XXXX Credit Card is showing on my transunion report as closed with a {$970.00} balance and is not showing discharged as it should. 

Company response: Company chooses not to provide a public response
Consumer complaint: My debit card was stolen when I was at a XXXX XXXX in XXXX on XXXX XXXX, 2015. I paid to have my nails done prior to receiving service and my wallet ( onkly containing the debit card and license XXXX were XXXX stolen. I did not realize the wallet had been stolen because it was taken out of my purse and my purse was not stolen. When I discovered that it had been stolen, I immediately reported it stolen on XXXX XXXX, 2015 and got a new license. My fraud claim to the bank ( BB & T ) was denied because they feel like I did not have enough evidence. I have since filed a police report about the charges which were made in another town XXXX XXXX, NC XXXX totaling {$2400.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: A credit report that I recently received indicated that I was in default of payments for what appears to be since the start of 2015. On my end, I made the final payment on the credit card and stopped using the card as the one I had expired. I never received a new card, so did not continue to use the credit card. Upon receiving this credit report, I see that I have been missing payments. Upon calling the company, they have been charging me a XXXX $ " minimum interest fee '', and then a XXXX $ late fee when that was not paid. Again, I was not receiving notifications of any bills or that the card was in any way active. The amount totaled to XXXX $ by the time I received the report, which I paid off immediately. Previous to this incident, I had been making timely payments to this credit card for approximately XXXX years. The company did not do a good job communicating that this was happening with me, and so I had no idea that they were still charging me even though I was not using the card. This has harmed my credit immensely and made it look like I do not make payments on time when this is not the case at all. I have paid the overdue balance and closed the account, and would like my credit score to be repaired. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a auto loan with CPS Consumer Portfolio Services Inc. on XXXX/XXXX/14, I informed them that the vehicle odometer was tampered with, and the dealership refused to pay my old auto loan off which damaged my credit. After reviewing my complaint. CPS informed me that this loan was null and vold because the Auto dealership violated their agreement with CPS, regarding opeing up a new loan with me because I had XXXX auto loans currently open. I ask CPS to provide me with a letter explaining this information before I return the car, because I was n't confident my credit would be safe without any documentation of our conversation. I never received a letter. The phone payment system stop processing any payments, and two weeks they repo the vehicle and they are not responding to my inquiries. I 'm afraid they are going to ruing my credit score and not going to remove this from my credit 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX mixed up my account with another XXXX XXXX living in XXXX who was seeking debt relief. They turned my account over to collections XXXX. My credit card account with XXXX was among the accounts that was entered into the debt settlement agreement with XXXX XXXX XXXX XXXX. The last XXXX digits of his Social Security number is XXXX and my last XXXX digits are XXXX. After numerous attempts to have XXXX take care of this, I finally filed a complaint with the Consumer Protection Bureau. XXXX responded to the complaint last week. I am attaching my letter to the Consumer Protection Bureau along with XXXX letter to me. They have indicated in their letter they have requested the credit reporting agencies to delete any delinquencies related to this issue. I want to be sure this is being taken care of as this has been going on for XXXX months and I need my credit restored ASAP. This has created an undue hardship on me and my family. My daughter is in need of a loan and needs me as a cosigner. I need to do this for her as soon as possible. Also I was not able to take advantage of a sales promotion on a car due to my credit score now being in the XXXX as opposed to the XXXX where it was at before this incident. Please let me know this matter has been taken care of and my credit has been restored. My daughter is in need of this loan. This has been going on for XXXX months now. 

Company response: Company chooses not to provide a public response
Consumer complaint: Asked for a loan modification from XXXX XXXX XXXX XX/XX/XXXX. For six years I have hired XXXX lawyers and filed XXXX Dodd-Frank Modifications packages. I have spent over {$9000.00} in legal fees. My interest rate on the mortgage is at 8.875 %. Green Tree Mortgage Services acquired the note in XX/XX/XXXX-XX/XX/XXXX and offerred another loan modification package. This was done. Unfortunately, they chose a " Bait and Switch '' approach. Green Tree did not modify the interest. Now the interest amount totals well over {$170000.00} +/- plus the principal of {$200000.00}. Green Tree offerred a 4.125 % on the pricipal, but chose not to modify the interest amount. The house is under water and not worth the mortgage amount of XXXX. The town as a value of {$190000.00}. 
Before XXXX sold the note to Green Tree, representatives broke into the house and winterized the house without my consent. Also, XXXX representatives told tenants who were living there not to pay the rent. Nearly {$11000.00} was lost. 
It is my belief that XXXX and Green Tree do not want to modify the principal nor the interest amount. XXXX has acquired a judicial sale date, but I met the three month trail period. Because of BA duel tracking and Green Tree refusal to modify, my credit score has suffered and I am having difficulty in refinancing this loan. 
This is my e-mail address : XXXXXXXXXXXX. Thank you in advance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife and I bought a house in XXXX and did some remodeling, etc. In XXXX when we refinanced our construction loan into a XXXX year fixed mortgage, the rate for our nonconforming loan was 6.25 % with Bank of America. The recession then wiped out a substantial portion of the value of our home - which we have not yet recovered. 

Since then, I have had several setbacks. In XXXX, I lost my job and in XXXX, my wife passed away. 

Since XXXX, I have repeatedly tried to refinance at a lower interest and can not, despite the fact that BofA already own the liability on the home through my current mortgage. I have been given many different reasons that we cant refinance, including ; " there is no tarp loan modification program that fits for jumbo loans, even though there is XXXX for everyone else '', '' your house does n't appraise high enough to meet the 80 % threshold '', '' you do n't have sufficient income history '', and " you need XXXX years income history for your own business. " I have been paying interest at substantially more than the market rate for more than XXXX years and feel victimized by the bank. 

I have never missed a payment, but it 's becoming more difficult with kids in college, with a lower income, and without my wife 's help. I simply want to refinance at a rate that makes sense in today 's environment, a rate that is fair considering the XXXX of people who have been able to refinance since the recession. I have done my part and now I need some help. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2013 I was a victim of Fraud and I was n't able to get the perpertrator so I ended up having to pay my XXXX XXXX accounts, later I was able to pay off another account from XXXX also. I need CHEX SYSTEMS to remove these PAID accounts off of my Chex System account. I am a mother of XXXX children that have XXXX and it is very difficult to open them up an savings account because of this information on my CHEX account. 

Company response: Company chooses not to provide a public response