AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have been contacting XXXX, XXXX, & XXXX for over a year to have them remove the " open '' collections that clearly states it was discharged thru my bankruptcy. XXXX has since removed these from my credit. However XXXX and XXXX has then reporting as " open '' not only that I am showing XXXX collections for the same debt that was discharged. I 've made several attempts to have these removed from showing open collections with no results, except from XXXX. I understand these are in my bankruptcy, however they are not " OPEN ''. I have been discharged from these. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: On Friday XXXX/XXXX/2015, my check account said that check # XXXX in the amount of {$50.00} was paid and that I had a balance of {$24.00}. Therefore I assumed that the check was paid as they listed it as being paid. Today XXXX/XXXX/2015 my account shows as being overdrawn. I was charged a fee of {$12.00} and had {$50.00} removed from my savings account. I have been with the bank U.S Bank for many years and my bank has never been misleading. I feel that I was misled. 

Company response: Company chooses not to provide a public response
Consumer complaint: My doctors office, XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, tried to defraud my insurance carrier and myself by billing XXXX for the same visit with XXXX different billing codes. I tried to resolve the issue with the doctor 's office directly. After being given the run around, I filed a claim with the Texas Department of Insurance and XXXX. The doctors office corrected their bill and resubmitted the claim. The claim was then paid correctly by my insurance company. During all of this, I received a letter from a collection agency, RS Clark and Associates. I contacted them to ask for validation of the debt because I was told by the doctor 's office that they did not turn in my information. I then called them several times and never received a call back. I looked at my credit and I have a derogatory mark for an account in collections. I have asked them to remove it and they say they can not. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened up an account at Bank of America in XXXX 2013. That same day I asked about getting a {$100.00} loan to the bank teller. She takes me outside to the ATM machine and pressed the loan button and requested {$200.00}. I was trusting that she knew what she was doing, but a couple days later I found out my account was closed and I could n't use any bank anymore. You can see on camera that she was the one with me requesting the loan and she is shown on camera pressing the buttons a couple of times. I have no record, no fraud, I dont even owe any banks and I 've been with about XXXX diffrent banks before. 

Company response: Company chooses not to provide a public response
Consumer complaint: My former bank kept my bank account open by putting and taking money out of my account so they can keep charging me fees 

Company response: Company chooses not to provide a public response
Consumer complaint: I did not open a XXXX account back in 2013 like its showing on my credit history. Nor have i had a XXXX account in the past 7 years. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter stating the following ... 
according to our records you failed to appear in court as ordered on XXXX XXXX 2015. As a result of your failure to appear, the court has ordered that a bench warrant may be issued and sent to the sheriff with bail set in the amount of {$250.00}. At this time, I am extending you a 10 days from the date of this letter to contact my office. If I do not hear from you within that time, I will consider having the warrant issued. Please conduct yourself accordingly. Yours truly the Law Offices of Edwin B Perry attorney for XXXX XXXX XXXX XXXX this communication is from a debt collector this is an attempt to collect a debt any information obtained will be used for that purpose. 

I contacted phone number XXXX XXXX XXXX and was transferred to XXXX who stated he was the case manager and his phone number is XXXX XXXX XXXX. 

I offered a payment of {$150.00} and monthly payment of {$40.00} a month. He stated that this was not acceptable and that they would be moving forward with the bench warrant if I do not contact them within the 10 days and make a payment that would be on their terms. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This debt has been showing up on my credit report for few years now. I talked to someone representing this company ( XXXX ) few years ago and even had everything clarified. But, I believe 2 years ago maybe, the innacurate information showed up on my credit report again. If I remember correctly, it was a computer wich was paid for with a personal check with my name printed on it. After 4 days it was returned with receipt. But we did n't get a refund at that time. We were told that we would have to wait another week because it was paid by check allegedely, so the check had to clear with their bank to get a back. So XXXX got their product back and decided to report us for years as thiefes? In fact i think maybe they owe us close to {$700.00}. I am a XXXX XXXX and I have been discriminated because I cant run around or call all day to find out what happend.. I think XXXX of their own employees stole my refund, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I filed a complaint against Ally regarding my car loan earlier today however I finally was able to speak with an agent and learned why I have had so many issues during the four years. When Ally credits a payment they credit the payment to next or current car payment but do not credit any of the funds to any amount that may be " in arrears ''. When the next payment comes in they continue to credit the entire amount to the next payment regardless if there is a late fee or shortage in the previous/current month on the account. This keeps the customers account in a constant shortage which then incurs additional late charges and sets the customer up for reporting to the credit bureau. This is what has been happening to me since I became an Ally customer over 4 years ago. I have complained several times to Ally but they deny doing anything wrong. Today " XXXX '' told me how Ally credits payments which explains why/how Ally has been overcharging me for the last 4 years. Per " XXXX '' this form of accounting is perfectly acceptable. If this is the way a bank/credit union is suppose to credit payments then I have several other accounts to file complaints because none of my other lender do this underhanded accounting. I make more than XXXX payment per month so instead of Ally crediting my payments to current month or any arearage they are crediting payments to potentially future payments and leaving me with multiple late fees. When I make a payment I expect the money will be credited to what I owe - late fees, current monthly payment if additional to principle. I expect this every month. 

Company response: Company chooses not to provide a public response
Consumer complaint: Checksmart XXXX collections office has been harrassing me for 5 months. I have informed them multiple times that they have the wrong number. They are attempting to reach a woman 's home phone number and are instead calling my cell phone every day. The agents are extremely XXXX and XXXX toward me and i have never done any sort of business with tgem. I have inforned them on XXXX occassions i would be filing a complaint against them if the calls continued yet they still continue. ( XXXX ) XXXX is the number they call from. When you call back their answering service is de eptive as well. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: In XXXX XX/XX/2015 my wife & I were pre-qualified for a new primary residence home mortgage through Bank of America. We found a home we wanted to purchase & on XXXX/XXXX/XX/XX/2015 our offer on a new home was accepted by the sellers with a close date of XXXX. We immediately forwarded all the information to BofA to start the loan process. We provided all information that the bank requested and responded to them with any additional document requests the same day they requested them. Our closing date came & went and they only explanation we were provided was that our file was very complicated. On Tuesday XXXX/XXXX/XX/XX/2015 we were finally told that our loan had been 100 % approved. On Wednesday XXXX/XXXX/XX/XX/2015 the bank then informed me that not only was the loan not approved yet, but they wanted an additional {$140000.00} of liquid assets in order to close. After speaking with the bank, they then amended the requirement to {$15000.00}. I was able to come up with the additional assets that they required the same day & now it is Friday XXXX/XXXX/XX/XX/2015 and I still have no answers from the bank other than the file is in underwriting. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contracted with XXXX XXXX in XXXX of 2013 to help negotiate settlements on XXXX credit card debts. XXXX went fine and the third, Bank of America represented by XXXX XXXX XXXX, has been a fiasco. A written settlement agreement was made in XXXX of 2013, the XXXX XXXX settled, for XXXX {$1100.00} payments over a XXXX month period. I placed the money in escrow with XXXX financial through XXXX to guarantee payments as agreed. XXXX of the {$1100.00} payments were made as scheduled and Bank of America refused the last payment and backed out of the deal. They have been billing me for the full original amount and I never received any credit at all for the {$2200.00} they accepted. I have a copy of the original agreement and copies of the cashed payment checks, I have no idea where that {$2200.00} went. The original debt amount was put into collection and passed from XXXX agency to another. Since I have already paid XXXX for their service, I have been emailing and calling back and forth in an attempt to resolve this issue as agreed. Now XXXX will not answer my calls or respond to my emails in my attempts to find out the status. I feel both Bank of America and XXXX have both committed fraud and left me with the adverse effect on my credit reports which severely restricts my employment possibilities and my insurance costs. 

Company response: Company chooses not to provide a public response
Consumer complaint: We repeatedly receive computerized phone calls from Enhanced Debt Recoveryphone # XXXX even though we have no debts and are on the no-call list. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: It started about XXXX years ago, after the birth of our " XXXX '', which needless to say was a surprise. At that time both my wife and i were both employed. 
My wife had her job eliminated, we were in need of financial relief and applied for the Making Your Home Affordable several time and were told we did n't qualify. After several years of financial difficulty we saw something strange happening to the house. 
I discovered I had a Sinkhole under part of my house, and the whole process for that began. 
After exhausting all options and also the financial help from relatives, we were faced with few options. 
Sinkhole under the house and now in debt i was forced into Bankruptcy. 
I retained a Lawyer to guide me through the bankruptcy process, and after several missed mortgage payment I get a call and I magically now qualify for assistance, so i looked into and it was for $ XXXX- {$100.00} relief a month for a limited time. 
That 's it, i was denied all other offers. 
So after that i continued with the Bankruptcy process. 
I was granted the Chapter XXXX due to all the circumstances and moved on with my life. 
I am still in a legal battle with my Insurance company over the Sink hole. 
After about XXXX more years, and now a year after my discharged Chapter XXXX i receive a Notice of Sale on my home, I fully understand the situation and move out prior to the sale date to avoid any issues. 
XXXX days after the sale i receive a letter stating the home sale was stopped by the bank. 
I do n't understand. 
The house they would n't help me with is now abandoned. 
I did everything possible to assist them, created no problems, didnt fight. 
I am now bankrupt, no home, I have a wife and XXXX kids, now living in a small townhouse, not my house that I worked my whole life for, to build and want to raise our kids in. 
I have had to surrender our family dog who was too big to go with us, we gave away the kids horse and now all I want is for it to be put behind me. 
Due to the sink hole, out of fear my wife stopped sleeping on that side of the house, XXXX. Dont ' think that has not created any issues. 
I also was diagnosed with a XXXX which requires a XXXX and XXXX. 
That is Not a XXXX. It just presented itself one day, doctors have no idea. 
Try XXXX ... .... 
My lender Bank of America has done nothing to help, and now they keep the house from auction, I do not want anything to do with the house anymore, but since they did not sell it, I do not feel i should be responsible for it or the XXXX acres it is on. 
I really want this to end it is tearing my family apart. 
I never needed anybody 's help, not family, friends and sure did not need the government to bail me out, but when I really needed assistance I was denied. 
I pay my taxes, I have my own medical insurance, I support my family. 
So for doing all the right things, trying as hard as I could, I have a XXXX, a bankruptcy, soon a foreclosure and no home to count on for my family 's financial future. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attended XXXX XXXX, a XXXX school, and was encouraged to apply for a Genesis student loan with the understanding I would have a XXXX high paying job. After over XXXX months looking for a job as a XXXX I am working XXXX hours a week @ {$XXXX} an hour and have over {$9000.00} in student loan debt. I do not believe I was given honest information and the loan was not reasonable for me to take out. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Since XXXX XXXX, XX/XX/2015, I have unsuccessfully attempted to have an electronic lien removed from a Florida electronic title. Sun Trust Bank has submitted written title releases, but refuses to remove the lien electronically. Due to its failure to do so, I can not obtain a paper title. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, 2015, Bank of America performed an update to their systems ( as per the representative at Bank of America ). The representative explained that as a result of the update, this caused XXXX and stored sources of customer payments ( such as checking accounts ) to be erased. 
I was not aware of this issue until I received a notice from Bank of America that XXXX of my credit card accounts payments was past due. It ended up being the account I had set up on auto-pay years earlier, and the payments were always made on time ( the amount of payments above the minimum payment amount ). 
When I called Bank of America customer service number at XXXX about the late fees they assessed, they directed me to call their auto pay department at XXXX. 
I contacted the auto-pay number and spoke to XXXX. He advised me he would be able to reverse the {$25.00} fee. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX I ordered a credit report from XXXX XXXX for my review and to improve my score. 

XXXX Customer service representative from XXXX stated I need to call XXXX ( Experian ). They could not process my order because of a discrepancy only Experian could tell me. Basically I could not retrieve my credit report, and the pending fund withdrawal would not be token from my account. 

After calling Experian several times trying to resolve this issue I was only prompted to either purchase a report by credit card or check. They did not give me an option by phone or web to talk or chat with any regarding the retrieval of my credit report. 

I would like to resolve this issue, it is very important to me and anyone else who is going through this. 

XXXX XXXX XXXX XXXX # XXXX, XXXX : XXXX : XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was placed on collection for a non-existing debt of XXXX fro the amount of {$740.00}. I called XXXX to verified that I owe them nothing and of course I do n't but XXXX has this wrong information on my record and wont remove it. XXXX is the type of company that if you do n't pay them will cut your services so there is no way a person can have such debt with XXXX. 
I am in the process of entering the police academy and this inaccurate information can ruin my career. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: As agreed with XXXX XXXX XXXX on XX/XX/XXXX, I have been paying {$50.00} at the end of every month for a settlement with Best Buy. I lost my job on XXXX, and I informed this agency of my financial issues. However, I told them, I would make every effort possible continue making the payment as agreed. I have done so, and now XXXX of their employees is calling me on the phone asking about the payment, and calling me a liar. I process the payment through the bank payment services, and I tried to tell him that, and that I had done that several days before. The guy started yelling at me on the phone repetitively calling me a liar. I do n't deserve to be talked to that way, so I hanged up. 

Company response: Company chooses not to provide a public response
Consumer complaint: UCB keeps calling people with same last name as me asking them to provide my where about and discussing personal information with them. they also refuse to tell me why they are calling and on behalf of who they are calling. 

Company response: Company chooses not to provide a public response
Consumer complaint: *** This is not a Duplicate ***My mortgage company lack of security allowed my tenant ( XXXX XXXX ) to compromise my account and cause harm to me and my credit. She was able to gain authorization over my account and changed the contact information and went delinquent. I was n't notified because the contact information was changed. This was all done without my awareness or consent to account XXXX and XXXX on XXXX XXXX XXXX. I have taken actions to correct my part, but I need to have the harm caused to me removed from my credit file. 

I have sent the following proofs of fraud on my account to Experian and they responded with ; that they will not block the subject submitted from my credit file. 

Compromising my account and taking actions as if they were me is a clear case of fraud, and according to the FCRA, fraud should not be reported. 
Attached : - XXXX police reports by my tenant- XXXX court cases of my taking legal actions to correct my situation- a forfeit letter written by my tenant. ( if you see the phone number on the letter, it 's my tenants cell phone number ) - XXXX letters of me escalating to my mortgage company to correct my account and also to secure my account ( XXXX have been a failure ) 

Company response: Company chooses not to provide a public response
Consumer complaint: For the past 3 years my account has been routinely frozen, usually without them notifying me. This is because they tag recurring charges as fraud. I have called repeatedly to tell them to stop tagging suppliers I have been dealing with for 3 years, and they just keep on doing it. Nothing I say or do seems to help. Some of my suppliers have multiple charges on XXXX statement. They keep telling me the problem is fixed, but it is n't. I am tired of my suppliers calling and telling me my card wo n't go through. Yesterday, for the first time, my card was refused for a personal purchase at a food store. I was so horribly embarrassed. This has NEVER happened to me. Why? Because they froze my card and did n't tell me. The reason was, yet again, because of supposed fraud. But, it was just my regular suppliers they had tagged. When I called to complain, again, they claimed they had called me. When I told them they certainly did n't, they then said they had sent me a letter. Kidding right???? I asked to speak to a supervisor, who transferred me to the fraud dept. I spoke to a XXXX in the fraud dept. who was supposed to transfer me to someone higher up, but instead hung up on me. This has to stop. 

Company response: Company chooses not to provide a public response
Consumer complaint: It is several accounts that are incorrect, XXXX XXXX XXXX XXXX ( XXXX XXXX online XXXX ), XXXX ( XXXX ) SERVICES, XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX,, XXXX XXXX, ( XXXX XXXX XXXX XXXX ). 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I just went through 7 months of application for a HAMP modification with US Bank. I am a XXXX and sometimes do n't have work in the winter months. I got behind a few months on my mortgage payments and was approved for the modification on XXXX, 2015. During this time US Bank kept sending statements for payment, assessing late fees, and making bad reports to the credit bureaus. I spoke with my representative, XXXX XXXX, about the XXXX week of XXXX to tell her I would not be able to make my XXXX payment and that the XXXX may be late. I reminded her of this when I spoke to her at the end of XXXX telling her I expected a paycheck around XXXX XXXX. I did n't get it on the XXXX and called to let her know that as soon as it arrived I was going to send in the past due amounts. I finally got the check on XXXX XXXX. I got a cashiers check for XXXX - XXXX - and XXXX and sent it. I called her the next day to let her know the check was in the mail. We signed and sent the acceptance form for the HAMP modification. About a week later, we received a letter from US Bank saying we were disqualified and not approved for the loan modification. The letter said the reason for the revocation was because the mortgage was no longer delinquent. At no time were we told that paying the past due amounts would get us eliminated from the program. I kept them well informed that I was trying to come up with the funds. Had I known, I would have kept the money and put it toward a new furnace. Ours broke last XXXX and needs to be replaced. We have been trying to keep warm this winter with only a wood stove in the basement. Sometimes it 's only XXXX degrees when we get up in the morning. We also need the roof replaced. US Bank says they will not take any responsibility for them tricking us into being disqualified. They claim the modification was figured to include the delinquency and any change to those figures nullifies the deal. I did the fiscally responsible thing by paying when I could ; I should not be punished for mistakes they made. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been applying for bank accounts and have been denied. 
XXXX and Bank of America are XXXX bank accounts that Ive had in XX/XX/XXXXboth accounts have been involuntarily accessed and deposits andwithdraws have been done on this account, each transaction wasTELLER TRANSACTIONS. 
When I first noticed it with the XXXX account I immediately brought it XXXX ( XXXX branch Acct. Manager ) she closed the accountand handled the issue for me. 
Months later it came to my attention that the same activities occurredwith my Bank of America account. On numerous occasions I madecontact to resolve this issue. PLEASE HELP ME! PLEASE XXXX AT BANK 'S AND TELLERS THAT PROCESSED THESEFRADUALENT ACTIVITIES & gt ; 

Company response: Company chooses not to provide a public response