AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: When I started having problems with my vehicle payment to Ally Financial , Inc. due to being a XXXX and being forced to resign from my job because I was XXXX, I contacted the company and have worked with them during the past year or so and they have worked with me up until now because before I lost my job I had a good payment history with them. 
Recently, my account was about XXXX months delinquent and I scheduled XXXX payments online that I thought I could make. One was for {$400.00} and the other was for {$300.00}. 
On XXXX XXXX I realized that I was not going to be able to make those payments and I contacted Ally by phone and requested a XXXX month extension. I informed the representative that I spoke with about the pending payments and asked if I still needed to pay those and she said since the request had been made for the extension that I could cancel those payments. 
After getting off the phone I canceled the two scheduled online payments. 
I later received an approval letter from Ally for my XXXX month extension stating that I owed {$230.00} which must be paid within 20 days of the XXXX XXXX date of the letter. I paid {$300.00} on XXXX XXXX and thought everything was OK. 
However, on XXXX XXXX my vehicle was repossessed. When I contacted Ally about this I was told that the 2 month extension had been canceled because I canceled the two pending online payments. However, those payments were canceled before the 2 month extension was processed and there should not even have been any record of those payments in Ally 's system. They should not have factored into the calculation. I was never notified of a pending repossession or of the cancellation of the extension. 
I had to pay {$1600.00} to get my vehicle back, which was supposed to include all outstanding charges at that time, including late fees and repo charges, which I should not have had to pay anyway. Now, they are trying to make me pay the late charges ( {$190.00} ), Repo fees ( {$350.00} ) all over again and those charges are due immediately. 
No company should be able to arbitrarily do whatever they want just because they have the power to do so and negatively affect a person 's credit and cause undue XXXX and XXXX distress. I am asking for your assistance to resolve this matter because my vehicle should never have been towed in the first place, Ally reneged on their own agreement, and now they are trying to force me to pay for duplicate charges. 

Company response: Company chooses not to provide a public response
Consumer complaint: It must be collection season again. This is not my debt, nor is there any reason for this company to be calling me. It just happens that I share the same surname as the party they are seeking. To be even more annoying this company is calling my cell phone. I would like to know how they got my cell number and why they are calling me. I am on the Federal and Pennsylvania Do Not Call List. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had a loan in place, I called on XXXX/XXXX/2015 to confirm the process of paying off my loan on my due date of XXXX/XXXX/2015. I was told to execute an extension online ; so that my interest payment would be deducted from my account on Friday and thane I had 24 hours from that deduction to pay off the principle to prevent additional loan fees from reaccuring. 

I did exactly that ; but when I called in the morning approximately 6 hours after my {$250.00} fee payment was deducted, they tried to make me pay an additional {$250.00} loan fee. 

This company practices are illegal in the state of Nevada and should not bee allowed to operate here. 

After I informed them as to my position in this state and knowledge of the law, they then told me they would allow me to make the payment on just the principle as a courtesy. I made it clear that they broke the law and was not extenuating a courtesy. Les knowledgeable consumers would had and are most likely being scammed by this process. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: This is a follow up to case Your submission, [ Case number : XXXX ]. I have already submitted my paperwork showing the credit reporting done in error on my account # XXXX. This needs to be removed from my credit immediately as the correct procedure ( to protect consumers ) was not followed therefore reported to the credit bureaus in error. I received no response to my certified letter demanding a validation of what is " said owed ''. I do not owe this debt but if it is handled in the correct fashion and this removed from my credit, as it should have never been in the first place, I will pay the {$130.00}. Please reach out to me through email or fax with this expressed in writing and we will go from there. Once received in writing showing this was done in error and will be removed from my credit immediately, I will mail in a check. This is my final attempt before I seek legal counsel and move on from there to sue for the $ 1000+ damages done to my credit. Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: I was an out patient for XXXX, Total time in and out was 3 hrs I payed all copay 's, my insurance payed in full the hospitals charges, A few weeks later I receive a bill from the hospital saying I ow them {$2500.00} for services rendered, I asked for an itemized bill to see what these charges pertained to, And the hospital refused to submit this bill to me, knowing that after talking to my insurance company that this was paid in full, at which time they the insurance company suggested that I get an itemized bill, the insurance company stated that there 's been a lot of medical fraud buy hospitals over charging patients, for such things like {$15.00} for a XXXX, {$100.00} for a pillow, {$75.00} for a disposable gown etc, It was then that the hospital immediately turned this in to a collection agency i believe to force me to pay this fraudulent bill, which has also blemished my excellent credit record, The insurance company would like to compare this extra bill i 'm being charged with to what has been payed for and double charges or ridicules over charges. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My son borrowed the money this is a school loan, he is not currently enrolled in school and was unemployed they ask for me to pay it in full harassed me on a daily basis to pay this loan in full. Now its on my credit report as a collection. Should this affect my credit and my sons both? My son is currently making payments. So is it still a collection and and why is it affecting us both. Can They ask for payment in full or else. I thought a student loan was paid in installments until it is paid off not called to be paid in full when creditor feels like it. This is wrong some how! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Barclay 's Bank closed my Barclay XXXX Card on XXXX XXXX, 2015 without notice and for no apparent reason. They simply sent me a letter indicating that " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement ''. At the time of closure, I had accumulated XXXX miles on my Barclay XXXX Card, but I can no longer access those miles due to the sudden closure of my account. It is a deceptive business practice to tell me that I can earn and redeem miles, but then just close my account out of the blue without compensating me for the value of the rewards that I earned. Barclay 's website states that you can " redeem your miles for travel statement credits, and earn 10 % miles back to use toward your next redemption ''. Therefore, the value of XXXX miles would be {$1300.00}, with 10 % of the miles ( XXXX ) being returned to my account after redemption, which could then be used for another redemption of {$130.00}, etc. The total value of those miles after just XXXX redemptions is worth {$1400.00}. It appears very deceptive that Barclays Bank would encourage customers to earn these miles and then close an account without notice or reasonable cause. I have been an excellent customer. My XXXX score has ranged between XXXX to XXXX over the past year, according to Barclaycard itself. I have never made a late payment, nor had a bounced payment. I have typically paid early because Barclays Bank sends out emails, stating " Why wait? Make a payment now '', encouraging early payments before the due date. Not only have I used this card for a significant amount of my spending, but I 've also responded to their promotional enticements. For example, Barclays Bank encourages the purchase of gift cards, such as offering XXXX extra points per dollar spent by buying XXXX XXXX XXXX XXXX through their Barclays XXXX XXXX online shopping portal ( See attachment ). I have done that and I have been deliberately trying to earn miles because Barclays Bank claims repeatedly that " there 's no limit to how many miles you can earn '' ( See attachment ). It is deceptive for this bank to entice people like me to use this card, accumulate a significant amount of rewards, and then suddenly remove those rewards from me without any notice or warning. I will consider this matter satisfactorily settled if my account is credited for {$1400.00}, the minimum amount that my earned miles are worth if redeemed for travel statement credits. 

Company response: Company chooses not to provide a public response
Consumer complaint: The debt collector- ( The Collection Connection ) has been hired by my previous XXXX who I have been fighting with over the charges he 's states we owe over XXXX missed appointments in XXXX 2014. He 's trying to charge my wife and I {$510.00} for XXXX missed appointments he claimed we missed in XXXX of 2014. I requested proof of us agreeing to these said appointments, and the Debt collector sent me a copy of the doctors appointment book with his notes in it. I have told the debt collector these are erroneous charges no services were ever provided nor did we ever commit to an appointment on said dates in XX/XX/XXXX otherwise we would have been there just like numerous other times we have went and my insurance was billed. This doctor- ( XXXX XXXX ) is taking advantage of us, he knows how stressed we are and after turning us into the collection agency continued to harass us every appointment we had after that. I told him several times that we never agreed on those appointments and its not fair he 's trying to charge us missed appointment charges of {$250.00} for each appointment, he does n't even charge the insurance company that much for an hour appointment when I have agreed to see him. Please help our family and I 'm sure the other family 's this doctor takes advantage of. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Classification of multiple names is ridiculous. I was married. I have since divorced and no longer use his name. He is also deceased as of last year. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX I applied for a Student Loan with XXXX as a Cosigner for my daughter. The rate I received was quite high ( around 8 % ). I asked that if I paid down my student loan and re-applied could I possibly receive a better rate. They said yes, so on XXXX/XXXX/15 I paid a substantial amount towards my student loan ( XXXX - XXXX ). The following week I called TransUnion to see if my record had been updated. I was informed that no and I called XXXX back and it was suggested to me to put in a dispute with the credit bureau to try and make the process go faster. I put in a dispute with the Credit Bureau on XXXX/XXXX/15. I was also informed by XXXX that the balances would be sent for electronic update on XXXX/XXXX/15. I was assured by Transunion that because the amounts would be sent electronically, they be updated immediately. I called TransUnion on the XXXX and XXXX of XXXX and the amounts were not updated. I called XXXX and they assured me that the new amounts were transmitted on XXXX/XXXX/15. On TransUnion 's end though, they showed the new amounts were not transmitted. I talked with managers at both TransUnion and XXXX and neither parties were willing to talk with each other to resolve my issue. In the mean time, I am late on paying my daughter 's student loan ( it was due XXXX/XXXX/15 ), I am stuck with a loan application with a high rate, and my options for recourse are barred by both XXXX and Transunion. Please help. My daughter really wants to go to school and give back to society and it would be a shame that she is held up from doing so because of this financial quandary I am stuck in as her parent trying to help. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have filed for Bankruptcy Chapter XXXX back on XXXX XXXX, 2013. Discharged on XXXX XXXX, 2013. All accounts should be showing Chapter XXXX bankruptcy on my credit report, however last month I discovered that my XXXX XXXX XXXX account was reporting as 'Opened ' and 'Late '. When I filed a dispute with Experian, the results came back as a 'Collection ' item. Item was NEVER placed into collection. It should be part of bankruptcy. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was on medical leave from my employer and my health savings account card was turn off and closed, I was unable to pay the dentist and surgeon with the appropriate funds. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have moved to another country in 2009, and confirmed XXXX 2009 is the last time I used the credit card, which is free of annual fee. I have confirmation that I settled the payment and I have not received any new statement/balance throughout the years. My old landlord has informed me that a debt collection company has mailed me with a debt of {$610.00} which I am certain is not mine. I do n't know if it was identity theft or not, I tried to contact them but could n't. they do n't have any of my numbers as I cancelled all my old phones already. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of American has taken over my home. XXXX XXXX purchased XXXX XXXX XXXX XXXX, XXXX, PA XXXX and my husband and I purchased home XXXX XXXX XXXX, XXXX, PA. In XXXX XXXX XXXX changed our address. XXXX home is now home XXXX XXXX and my home is home XXXX XXXX. Since then the XXXX home has gone into foreclosure. Bank of American had the address home XXXX XXXX as the foreclosure so the bank is insisting they have the correct home. They had my home on XXXX in XXXX of XXXX and my home was being bid on. The bid was not high enough, so the home did not sell. I had FINALLY got someone to listen to me at Bank of America and THOUGHT I had it straightened out and they took my home down of XXXXAuction. On XXXX XXXX, XXXX XXXX changed all the locks on my home, pad locked my garage and posted a notice in the kitchen. I contacted the PA XXXX Police and they told me it was a civil matter. I 've talked to multi attorney 's, Assistant DA, a few state troopersXXXX, Bank of American, the Twp for the address change and XXXX XXXX ( who my mortgage is through ). What I have learned from the PA XXXX Police is that, yes, XXXX did break and enter into my home and that is a criminal act but XXXX is protected by the Good Faith Statute. They were hired by The XXXX Department and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ( P ) XXXX ( F ) XXXX XXXX Bank of America XXXX. They will not speak to me because my name is not on the mortgage. Well of course not, BECAUSE IT IS NOT MY HOME that is in foreclosure! This is negligence on Bank of American part for not having their records straight and have the correct address for the XXXX home. I have all the paperwork and contact to confirm that everything in this email is true. This is a rental property. I now have lost XXXX tenant and another XXXX may leave as well. My neighbors now think that we can not pay our bill. I was informed that until this is straightened out with Bank of American and they insist my home is theirs because of the house number, they can come in and seize anything that is the home. This is unbelievable to me that everyone is protected but me. The only way that I can get any help is if I spend XXXX dollars on an attorney. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a balance XXXX for BB & T Bank for {$580.00} but the balance was paid last year out of my tax return 

Company response: Company chooses not to provide a public response
Consumer complaint: Sterling Jewelers calls me 8-10 times per day from random numbers in different area codes. They leave at least 2-3 voice mails per day and will not stop with the frequent and unnecessary phone calls. I work and can not answer my phone during the day. My phone is constantly ringing and I 'm forced to send the calls to voicemail. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Lived at an apartment complex five years ago. Gave 60 day notice and moved to new apartment. Have lived in several places since then. Looking for new apartment currently XXXX XXXX 2015 XXXX, and with credit report old apartment complex says I owe almost $ XXXX as of XXXX 2015. This is incorrect and needs to be deleted. I was not informed, taken to court, and I have n't been there in five years. Credit report is showing as of XXXX 2015. Incorrect date and fraudulent charges. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent a rescission in to Select Portfolio Servicing on XXXX/XXXX/2015, they acknowledged the rescission ( XXXX/XXXX/2015 ) and I would like them to comply with the rescission requirements. 
They did not file any action within 20 days of receipt of the rescission. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Taking an offer with Bloomingdales to receive a discount on a singe purchase if I took a credit card and paid it off within a certain time. did so, but they credited the wrong account and started charging me interest and fining me for late payment. On discovery, they apologized, refunded all the fines and promised to not let it affect my credit history. On being turned down for a mortgage last week, I pressed for possible reasons and this came up along with an internal error by XXXX, my bank, which also apologized and refunded fees charged, but has still adverse affected my credit scoring. XXXX Bloomingdales error and XXXX XXXX error 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, QUALITY LOAN SERVICE CORPORATION informed CFPB that " althought the Trustee Sale is set for XXXX XXXX, 2015, their file is on a HOLD per servicer 's request for loss mitigation. '' ( Please see attached Quality Loan 's response on CFPB Portal. ) However, one week thru TODAY, XXXX XXXX, 2015, QUALITY 's website, and that of XXXX via telephone number indicated on Notice of Postponement ( Quality 's Sales Agent ) - still reflect the XXXX XXXX, 2015 Sale Date. ( attached today 's XXXX Sale Status from Quality 's website ). 

Is this subject to consumer protection laws? 

Thank you CFPB for your urgent help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have contact Wells Fargo on many occasion to correct credit report and they will not. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been dealing with US Bank credit department representative, XXXX XXXX XXXX collections ). Business has dropped 40 % since XXXX 2014. We have been struggling for awhile now. So we are at least XXXX payments behind for the last XXXX months. I get it I owe it & I understand payments must be dealt with. But I am a human being last I checked. This woman was demeaning. I have my share of clients that owe us, but to ever think of treating anyone without respect is beyond me. I knew when I was XXXX yrs old that I would someday own a business. And I would treat everyone with a grand opening attitude. Trust me I lose sleep knowing I owe. I have ethics. This person must get a kick out of treating people like that. 

XXXX called me on the XXXX and I promised him I will send out check XXXX. On the XXXX a different rep was DEMANDING payment that same day. Saying that there was no check in envelope, I told her that 's impossible, XXXX I received an email from XXXX saying he received the envelope but that he wanted to know the check number to make sure it gets posted correctly. The only thing after that was getting accusations saying I never put check in envelope and she needed payment right now! She had a condescending attitude from there on. After I told her the check was in there. 

I do n't have that rep 's name but I 'm sure our conversations were recorder. She demanded again for payment through our bank. After just experiencing a double dip situations just a month before this XXXX XXXX XXXX XXXX XXXX, I was n't going to do any online transaction. I told her I will overnight check. Her response was that she has to have it today or else. I said I will check bank account XXXX bank, no check cashed or pending for US bank. I told her she had XXXX choices. Pick up equipment or wait for check. She accepted overnight. Just to prove to her my ethics I asked her to contact me next Thursday for another payment. 

Checked XXXX on Friday, low & behold XXXX checks were deposited, so after accusing me of literally lying, XXXX checks went in. I had enough funds XXXX. They got paid on XXXX them & I have incurred serious bank fee 's. Like I said I know I owe, but because of this I have to now pay cash to a vendor for NSF on XXXX consecutive checks. My bank paid XXXX checks in XXXX to another financial company & now to US Bank. Yet I do n't even have money to pay coned right now. They are also on my back. 

Just want to know my rights. What they done was crippled my dignity and dreams. 

Company response: Company chooses not to provide a public response
Consumer complaint: I lost my house thru foreclosure on XXXX/XXXX/2008 to Washington Federal XXXX. I received a letter from the Branch Manager XXXX XXXX from Washington Federal XXXX offering me a loan modification for 3 months starting XXXX 2008 and another letter with documents for an additional loan modification on XXXX XXXX 2008 I never received any notices of foreclosure! I had a cash buyer a month before the foreclosure but the bank said no. Curiously, the bank sold and CLOSED the property in less than a month after the foreclosure. In fact they sold it well under market thru a realtor friend they know very well. They treated out of state customers differently. 

Company response: Company chooses not to provide a public response