AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: XX/XX/XXXX-XX/XX/XXXX I was a victim of identity theft. The person at the time worked for me in my house. They passed away XX/XX/XXXX and I started receiving calls for accounts that I had never opened. I filed an ID theft affidavit with the FTC and a police report. Most of the collectors ceased collection attempts after notification. Professional Credit Service ( PCS ) has continually harassed me about this debt since XX/XX/XXXX even after they have been provided the ID theft affidavit and the police report. Now they have sent me a letter stating they are going to sue me because I have not responded. I am attaching XXXX XXXX showing that I responded XX/XX/XXXX and XX/XX/XXXX. I also filed the reports with the credit bureaus XX/XX/XXXX and had to have security freezes put on my reports. I do n't understand why they are still harassing me on a debt that is not mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: Pioneer Credit Recovery XXXX XXXX contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls have totaled more than 10 per day. 

We have orally told them that we are not allowed to take personal calls on business lines, and we have submitted a prior written complaint bearing Case number : XXXX. 

Please do not call any of the following numbers as they are all owned and/or operated exclusively by our business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We will file suit if these calls do not cease. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wrote XXXX on XXXX XXXX, XXXX as I discovered issues on what they were showing on my credit reports. I included copies of my drivers license, social security card, and a utility bill as proof of my residence. It is XXXX XXXX, XXXX and they have not responded. This is illegal for them to do as the law says they MUST answer in 30 days! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an account with AAA XXXX XXXX XXXX since XXXX. About a year ago I placed this account on auto-pay since I trusted them and this card had the best APR. In XXXX of XXXX ( XXXX ) I noticed late fees and started checking back into my account. I call Customer Service and they only returned XXXX of the late fees. The total still left on the account, when I checked XXXX/XXXX/XXXX, was {$310.00}. They were taking the payments out 2 day after the due date. I did not ask for any specific ic date of the month ; only requested auto pay. 
I called several time to address this issue and ask for return of late fees. Dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( XXXX late fees returned ), XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I spoke with XXXX XXXX who opened a case # XXXX which would ( per his supervisor ) research and return ALL late fees. He also said someone would call me about this case. On XXXX/XXXX/XXXX I was told the case was still under review. As of today no further refunds have been made to my account and no one has called me back. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XX/XX/XXXX after numerous challenges including producting the payment history which showed no payments over 30 days past due, Transunion finally updated my credit report. This specifically deals with the way XXXX XXXX is reported. After over a period of at least 60 days, Transunion willfully and intentionally re-added XXXX late pays that I have been disputing for at least one year. I have produced payment history 's hired an attorney disputed it and disputed it now and again and again. Unfortunately, Transuion never gave written notice of the re-insertion of negative information of my report and as a result is in violation of applicable Federal and/or State Law including FCRA, FASTA, and any and all other laws. I am asking that you intervene and ask Transunion to remove all late pays as they have payment history 's in their file and further make clear to them that they can not re-add negative information to a credit report without notice to me. I have reviewed all letters from Transunion and can find no communication regarding this. Again, this violates Federal and/or State Law and means the negative reporting that they re-added must be removed immediately or they are subject to suit. If they should fail to remove it I am asking that the FTC and the CPRB immediately file an injunction against Transunion prohibiting this conduct not only on my report but on any credit report. This is outrageous that they are willfully and intenionally violating federal law even though I have told them this numerous times. 

If you need any other documents such as credit reports please let me know. I have them all. 
Thank You 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am in receipt of correspondence stating that I owe {$120.00} due to XXXX placing my account with a collection agency. I have never had an XXXX account and have never made a sale or purchase on XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX of XXXX my wife and I refinanced a Home Equity Line of Credit which is, in essence, our home mortgage. We went through the refinance through XXXX Bank to pay off XXXX XXXX XXXX XXXX and signed XXXX Bank 's form authorizing Payoff and Closure of this account on XXXX XXXX XXXX. I have tried repeatedly to recover the funds that were transferred to BSI Financial from XXXX XXXX XXXX XXXX on XXXX XXXX XXXX. I 've been told on several occasions ( including today, XXXX XXXX XXXX the complaint department was investigating the complaint and would have a resolution by the end of the month ( XXXX XXXX ) again, I was told the same story just today. I have a check dated XXXX XXXX, XXXX in the amount of {$240.00} which I will not cash until I receive the {$19000.00} because I wo n't cash it and have BSI say they owe me nothing more because I closed the account when cashing the check. Given the fact most checks are null and void after 90 days the check I presently have will expire on XXXX XXXX, XXXX and I will have to fight to get THAT money reimbursed as well. I 'm tired of the stonewalling and not to mention the {$30.00} maintenance fee they charged on a zero balance account that should have never been transferred to them in the first place. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My issue involves the escrow department of the Bank of America. At the end of 2015 a bill was submitted for homeowners insurance that I had " NOT '' purchased. My first clue to this was when I received a cancellation notice from XXXX for non-payment. I felt sure a quick phone call would resolve this, however, the escrow department claimed they had done no wrong, and basically said that there was nothing they could do. This left me in the position of having to pay for XXXX months insurance out of my pocket to prevent the cancellation of a policy that had been in effect for well over 5 years. After several phone calls, the escrow department finally paid nationwide, leaving my escrow account very short because of the double insurance payments. 
Now they write to me saying my escrow is short, and want to increase my house note by {$75.00} a month because they gave my money away. 
I would like to know since when is it that the Bank of America lost control of the money going in and out of the escrow department, and why they refused to even try to help me with this situation. Something is very wrong here, and having my house note go up could very possibly lead to me not being able to pay for my home. Somebody in that escrow Department really dropped the ball on customer service, and the final failure to help me actually came from the department manager. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX, I paid balance in full on Home Depot account. On XXXX XXXX, I made a purchase in the amount of {$37.00}. Upon downloading my current billing, I noted that Home Depot applied a {$2.00} fee on XXXX XXXX for purchased made on XXXX XXXX. If I am not mistaken, I believe it is illegal to charge interest/fee on a purchase until it is billed. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am being sued by a debt collection agency called XXXX XXXX XXXX out of XXXX XXXX, Michigan. For background purposes, I lived XXXX from XXXX until XXXX of XXXX when I moved to XXXX. In the late XXXX 's, I had entered into the credit card contract with Wells Fargo Bank while living XXXX, and any charges made on that account would have been made XXXX. According to XXXX XXXX XXXX, they state that the last payment I made on the account was XXXX XXXX, XXXX. XXXX has a 4 year Statute of Limitations on these types of debts/written contracts, so the SOL for this issue ran out on XXXX XXXX, XXXX. Despite knowing this, XXXX XXXX XXXX are now trying to sue me for the outstanding amount as well as their legal fees and 8 % interest on the balance ... even though the SOL has been expired for nearly one full year. I would like to point at that since the original contract for the account was signed and entered into in the state XXXX, this contract has nothing to do with the state XXXX and the 6 year SOL XXXX can not be applied against me just because I moved to this state. This is backed by XXXX 'Borrowing Statute ' XXXX Rev. Stat XXXX " If a cause of action arises in another state or territory or in a foreign country and, by the laws thereof, an action thereon can not be maintained in that state, territory, or foreign country by reason of lapse of time, the cause of action shall no be maintained in this state ''. 

XXXX XXXX XXXX is supposedly a " XXXX XXXX XXXX '', so they should know the laws set forth in the states in which they conduct business, which I 'm sure that they do, but are banking on the fact that the people they are bullying do not and will hopefully collapse under the weight of their intimidation tactics. The fact they KNOW that the SOL has already come and gone, yet they continue to prey on me, someone who is less educated in the ways of the law and force me to spend/waste ample of amounts of time and money that I do not have, to defend myself on a frivolous claim they know will not stand up in the court of law is egregious and disgraceful. XXXX XXXX XXXX and companies like them, need to be punished for their actions and have more stringent laws and guidelines placed on them so as not to fill the courts with these frivolous lawsuits. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I purchased my first home in XXXX XXXX. 
My home was financed through Pacific Union. Payment was set at {$1700.00} per month. 
In XXXX I received a letter in the mail stating that I had an escrow deficit of {$10000.00}. I repeatedly asked Pacific Union why it took them 2 years to notify of the escrow deficit. To this day they have not been able to give me a straight answer. My mortgage payment increased to {$2900.00} per month. I asked if they could refinance my loan to bring it back to a payment i can afford. They immediately told me they could not help me until i paid the {$10000.00} escrow deficit. I proceeded to find another mortgage company. 
XXXX XXXX approved my loan application with the escrow deficit and proceeded to purchase the loan from Pacific Union. XXXX XXXX told me since they were buying my loan i would not have to pay the following month until the following month. At this time Pacific Union called me and stated they did not want to loose me as a customer and stated they would refinance my loan. I responded to them if they can get me back to a payment i can afford i would stay with them. Unfortunately, the XX/XX/XXXX payment with Pacific Union was late due to my original plan of moving forward with XXXX XXXX. Pacific did not call me or get back to me on the status of my loan. I called them repeatedly and was finally able to get a response from them in XX/XX/XXXX. They denied my refinance due to the late and stated they could not help. My payment has gone down from {$2900.00} to {$2400.00} since i have been paying the escrow deficit. 
I do not understand how a Mortgage company can treat a new home buyer as myself with such lack of care, sympathy, and professionalism. My only option at this point is to sell the very first home i purchased because i can not afford to continue paying over {$2000.00} a month. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have disputed information as fraudulent and not being opened by me and they refuse to remove the information from my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Progressive Management Services refused to negotiate on this debt even though I told them I could n't make it to the next hospital where my XXXX condition would have been evaluated for free. ( VA hospital as I am a Veteran ) Also they are n't reporting the amount I have already paid to the {$1400.00}. I am still owing {$300.00} bout it 's being reported as a {$2000.00} debt. I told them I needed it paid so I could refinance my mortgage and she laughed at me when I asked her to negotiate. I feel this unfair, prejudice and unreasonable of this company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America closed my accounts without noticing me. I checked all credit reports and could not find any negative information. Now i have a XXXX. I have to spend a lot of time to open new accounts and transfer everything. It causes me huge problems. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i had service with XXXX. I use to pay my bill at store. until somebody used my personal information and payed online with checks from other victims while i was giving cash to this person because i was busy working. Also, XXXX fraud specialist team did not solved a fraudulent transaction from a moving truck company in other state way far from my origin state ( CA ). they gave me a new card and put my balance back to how it was before the fraudulent activity and a month after the same truck moving company took the same amount as the first transaction. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2016 I received a refund check or check for {$260.00} from Bank of America Home Loans located at XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. On XXXX/XXXX/2016 at approximately XXXX hours, I went to cash the check at Bank of America in XXXX XXXX located at the XXXX branch area. The bank teller agent told me that he was NOT able to cash in the check for me due to insufficient funds. I asked the bank teller agent why would Bank of America sent me a check with insufficient funds? The agent told me to contact Bank of America. I was very upset because I waited almost 25 minutes in a very long line and short staffing from Bank of America. The bank only had XXXX bank teller agents at the time serving XXXX-XXXX customers. The agent refused to assist me further by saying he does NOT know anything and that he wanted me to call or contact Bank of America Home Loans. I want to know why Bank of America sent me a " blank '' check or a check with insufficient funds? The check number is XXXX. Treasury id : XXXX. Another address from Bank of America is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a mortgage loan with AmeriSave Mortgage Corporation. I received a letter from HUD notifying me that Effective XXXX 2015 the FHA mortgage insurance rates were reduced. Interest XXXX ( XXXX # XXXX ) has reviewed the FHA Mortgage for my home located at XXXX XXXX XXXX , XXXX XXXX, NM XXXX, and that I was elIgible to take part in the FHA STREAMLINE PROGRAM. This program was designed to reduce my interest rate and lower my monthly mortgage mortgage payment with NO OUT OF POCKET COSTS, NO APPRAISAL & NO INCOME QUALIFYING. I was surprised by AMERISAVE that increased my mortgage payment and kept the same rate of interest of 4.375 % that I was paying. AmeriSave also increased my escrow account monthly adddition to {$470.00} and they were applying {$450.00} to the interest and only an average of {$180.00} to the principal. It is impossible to communicate with AmeriSave since they only have answering machines and not a single person to answer complaints. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Am a victim of identity theft which took place in 2011. During the incident my identity was used without my knowledge to multiple fraudulent accounts XXXX of them with XXXX. I subsequently filed complain with the creditor and also with the police disowning the credit purchases. In turn the creditor ( XXXX XXXX ) had sent to account to collection company ( XXXX ) whom I reached out to settle this matter. Upon my complain with XXXX XXXX asset i was instructed to provide copy of police report to settle this account which i subsequently provided and the account was removed from collection and marked as settled. 
Lately, i have been receiving harassing collection calls from XXXX who have gone ahead and reopened the account for collection despite sending me letter as proof of settlement confirmation ( see attached ). Recently I faxed the settlement letter to XXXX to take action, but so far action has been taken. 
I would like to put and an end to this ongoing harassment from XXXX XXXX XXXX. And also have them remove/delete the {$750.00} debt from my credit report which is currently showing as delinquent and hurting my credit rating. 

Any assistance accorded from you would greatly be appreciated. Please find the attached filed police report in reference to the account and also settlement letter sent by portfolio as settlemement proof for no further collection action. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. 
being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to '' ... promptly delete all information which can not be verified. " that i have disputed.Please resolve this manner as soon as possible. Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: This complaint is in reference to Popular Community bank 's {$120.00}. bonus checking account promotion now in effect. 

Here are the small print rules : http : XXXX Retirees get once a month direct deposit checks. 

Since it takes the Treasury /Social Security 10-12 days to set up a new electronic bridge to the bank ... it is simply impossible for retirees to have XXXX checks deposited into the new account within a strict 90 day window as specified by the bank. 

The third direct deposit would always exceed the 90 day window-so the customer would forfeit their $ XXXX. The bank might as well have advertised people who do n't work ( earn weekly or bi-monthly paychecks ) need not apply. The XXXX checks within 90 days rule blatantly discriminates against the elderly, the XXXX and others who receive once a month income. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a banking customer with Ally for several years. Recently I got an alert that there was XXXX overdraft fees charged to my account. I chatted in only to receive rude customer service with no solution. I was told in chat ( record available ) that I would not be charged any more fees due to the account being fixed. To my surprise a XXXX fee was now charged with no regard. Contacted Ally again ... .No help at all. I am not sure what has changed with Ally but refusing to opt out of overdraft clearly shows that Ally is trying to hide something. 

Company response: Company chooses not to provide a public response
Consumer complaint: MONTEREY FINANCIAL XXXX WRONGFUL COLLECTIONS PRACTICES FOR THE PAID IN FULL ACCOUNT WITH FAILURE TO VALIDATE THE ACCOUNT WITH DETAILS 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a realtor and have a property under contract with a buyer and seller. The buyer is using Wells Fargo as their lender and had an appraisal done. The original appraisal came in a little bit over the purchase price and everyone moved forward with the transaction. Then a week and half later Wells Fargo told the buyers that there was an issue with the value. They said the appraiser revised the appraisal down by {$14000.00}. The appraiser returned a call I had made to understand what the process was with the revision and he told me the underwriter had 'pounded and pounded him ' he reviewed his original appraisal and said he made a mistake and agreed with the underwriter and adjusted the value. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: There are several inquiries on my report that I did not authorize, XXXX of which looked as though when I was searching for cars. I did not authorize the dealerships to talk to other vendors/banks to get a lower rate yet that was done. This was done on XXXX occasions ( XXXX dealerships ) and multiple banks from each. This severely effected the inquiry portion of my credit report and my score in general. This needs to be corrected ASAP so my credit reflects correctly for now and future purchases/actual inquiries. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I left my apartment before the lease was over and according to the lease I had to pay XXXX plus give 2 month notice. I did exactly that and was told they would rent the apartment asap ... they rented it right away and never notified me. I emailed them and they notified me i still owed XXXX soon after, i was notified after i again emailed them that amount owed was reduced to XXXX and i should call I Q Data international to pay this amount. I called this company and found out it is a collection agency. I tried to ask them for a payment plan and then offered to pay the full amt in 30 days of which they refused, screamed at me..put me on hold for a long time, refused to accept my check and said they would kill my credit and no matter what i did it would not be good enough. i asked for a bill and they refused to send me a new bill showing the break down of what i owed. i tried to deal with them XXXX and each time they wanted to know where i worked and threatened me with going after my credit. i wanted to pay this bill ... they kept saying a check was not acceptable. I dont know what to do at this point. they are horrible nasty people. i am trying to get in contact with my old apartment and ask them to take the money and send it to them as i can not deal with them. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers