AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I have a pending payment due on the XXXX of XXXX for a loan used to pay XXXX University at XXXX XXXX, FL. I am experiencing financial hardship and as a result, I will not be able to make the payment at their specified amount. I decided to be proactive by calling Sallie Mae before my account becomes delinquent. When speaking with the Sallie Mae representatives, all they offered was forbearance as an option. I explained that I had already taken that option for XXXX months, which increased the loan amount as well as my monthly payment terribly, and that I was now ready to pay a monthly amount that is more fitting to my financial needs. End result : after speaking with many customer service representatives and supervisors such as XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I was told that no sort of help or temporary repayment plan would be offered until I became delinquent on my account. Their solution was for me to not pay on my loan, and they even went as far as to encourage me to go into default. I have the representative ID numbers of several employees which made the statements described above. I am surprised as to how this company is allowed to be in business in the United States of America, and disgusted as to how they target students for these loans. I am ready and willing to make some sort of payment of my account, I just can not afford the amount demanded by Sallie Mae and it 's representatives at this time. The customer service team there appears to have a goal of pushing their clients into default. It 's an unfair business practice which is not even seen in the majority of credit card companies. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My complaint to XXXX about Bank Of America/MBNAas advised by XXXX XXXX XXXX and because the complaint was not undertheir jurisdiction. The XXXX actually referred the Bank OfAmerica/MBNA to my complaint which they did attended to but along the linethere was no further response from them. 

The Vice President of the Bank of America/MBNA XXXX XXXX XXXX wrote inin reply and other Customer services staff requesting for proof of my accountdetails and online account setup and it was sent to them appropriately, afterwardsthere was no reply to my submissions despite several reminder emails. 

Please, help to make them respond to my emails and reminder notes 

Company response: Company chooses not to provide a public response
Consumer complaint: by XXXX of XXXX the home depot credit card by citybank group take frm my XXXX checqing account the amount of XXXX when the real amount was XXXX the stated a investigation nd the resolution was refound my money by XXXX XXXX i called asking what happend and they post the money in another account, by XXXX XXXX a called again and the post the money in anotheracount today i call again and they say the money for thirt time will be post in my account please help me 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a bank account closed with Bank of America in XX/XX/XXXX. There was an overdraft fee of {$110.00} that I was not aware of, I never received any info what so ever on it. But I called today to see why I could not open an account at another bank, that is how I found out that I owed and it was paid today on XX/XX/XXXX. I would like to get this cleared from the XXXX so I can open another account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Kinum collection agency ( specifically XXXX and XXXX ) somehow either bought or received illegally a list of debtors from our XXXX. They began an aggressive unauthorized collection campaign against the persons on the list, many of whom do not owe us any money. 
We called as soon as we realized what was happening and asked them to cease and desist all contact with all persons on their list. They continued to illegally contact, harass, and attempt to collect monies for over a week beyond our cease and desist. This included calling these people repeatedly through an autodialing network and through the U.S. mail. This company needs to be brought to task for severe violation of several laws of the fair debt collection act. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been trying to get a loan modification from Wells Fargo and it has been a nightmare. They have done everything in their power to keep me from applying for a modification. They said that first I need to do a forbearance for four months. Now they are pushing me to do a short sale. I have payments made to Wells Fargo that have gone unreported. Then they gave me another address to send my payments to. I did that before the due date and they tried to tell me that they did not get it until late. They request paperwork that I have sent them over and over again. Then they assign me to another person after a while and they start the whole process again. My account is a XXXX ACCOUNT. PLEASE HELP ME!!!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received XXXX voicemails from " Americollect, '' phone # XXXX, claiming they are trying to collect a debt from me, but giving no info. I responded using this email address, but gave no personal info, and asked what debt and for whom? I received an email response which gave no answers but appears to be a fishing expedition. 

I do n't know of any outstanding debt. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have sent Trans Union requests to investigate and remove accounts from my credit report that do not belong to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: My home was damaged by hurricane XXXX. Wells Fargo is my mortgage company. I recently received a supplemental insurance check for {$130000.00} and Wells Fargo refuses to endorse it. My home has been repaired completely. Wells Fargo inspected the home over a year and a half ago and declared it was 100 % repaired. I have been given conflicting information by the company and do not know how to proceed. 
I have always paid my mortgage on time. 
I believe they have my account flagged as retribution for my previous complaint to the CFPB for their prior mismanagement of insurance proceeds. 
I repaired my home in good faith, invested my own money to preserve its value, and even paid my mortgage down {$50000.00} since the storm. I submitted to multiple inspections by Wells Fargo and always comply with whatever they ask. 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan has been sold several times. My taxes were not escrowed into my loan at closing XXXX 2005, the loan officer told me the taxes were {$1000.00} per year not {$5000.00} they are like {$6000.00} now. When the loan was sold the taxes were now escrowed and since I had a negative escrow account my monthly payments were re-directed to the escrow making the principle and interest payments delinquent. I have tried for years to get caught up. Every year I give them my tax money, I enter into these crazy re-payment plans that I can not afford so I use all my savings to keep up with the plan then I have one bad month ( I work on XXXX ) then the plan gets cancelled because I have no way to come up with an extra {$700.00} - XXXX a month extra on top of my regular payment that also includes taxes and insurance. I have no savings because every cent goes to covering this extra amount. They will not update the payments I make on my credit report so I can not re-finance or even get a loan to catch up. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: auto finance bank is now harassing me that I will go to jail. I got this vehicle XXXX months ago and have had nothing but problems with the vehicle smoking, breaking down, and now they said they will put a new engine in the vehicle, but now they wont and said they will come and get the vehicle, even though my payments are up to date. but ive had numerous harassing calls that are recorded, and texts of name calling and other things 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: All cards under XXXX XXXX after XXXX 2003 are not mine. I got my own cards after my divorce. The cards belong to XXXX XXXX XXXX. I believe these reports should not be on my credit reports. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wrote check at XXXX 's XXXX XXXX on XX/XX/XXXX. It bounced. 
XXXX hired Meade and Associates on XX/XX/XXXX to collect. Once I got the notice I called and made arrangements to pay half on XX/XX/XXXX and the rest on XX/XX/XXXX. They said I would not be reported to the credit bureau with these arrangements. I got a copy of my credit report on XX/XX/XXXX and suddenly there is a paid collection on my account that says this debt was paid in XX/XX/XXXX! This entry has dropped my score below what I need to buy a house. The girl I just talked to was mean and nasty and said there is no way they will remove this entry ever for any reason. I asked her point blank even if you are wrong you will not remove the entry and she said no never. XXXX she told me that the rule was it had to be paid within 60 days of them receiving the debt so I paid the last payment at XXXX days but they told me when I made the arrangements they would not report at all. I was arguing with her and then she says no it is not 60 days it is 30 days from when it turns up in their office. She just kept lying. They found it necessary to send it thru to the credit bureaus XXXX months after I paid it off!!!!!!!! This is XXXX and they need to be stopped. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015, I received a prepaid XXXX Debit card from a company named NetSpend. I have notified Iowa 's Attorney General 's Office and NetSpend that I did not sign up for a this type of card. NetSpend sent an email back to me stating that they would remove my personal information and to cut up the card. I recently started looking at online surveys but have not received any funds or rewards. I am not sure if NetSpend received my information from a survey affiliate or my personal information was sold to a XXXX party. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To whom it may concernRe : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , fl XXXX ( XXXX ) XXXXXXXXAccount # XXXX WellsFargo Bank NAI filed this complain due to a fraud was made in my account on the month of XXXX XXXX, 2015 for the amount of {$5500.00} all this money was withdrawal from my account I was overseas when withdrawals were made in my account without my authorization. I filed a claim with the bank institution which in this case is WellsFargo Bank NA and followed all gave all my supported papers staying that i was not in the country at the time of this transactions. I filed this claim on XXXX XXXX,2015 and this is the claim number with WellsFargo XXXX. I have done XXXX claims and went to the police and no answer just denial that my money was going to refunded to me this is unacceptable they have no answer for me according to them i have my card and is the same card use along with my pin when all this withdrawals made in US and I were in XXXX and denied my claim. I am requesting help to get my money back and answer from this institution that has been playing with me is impossible I could had been XXXX different countries at the same time using my bank card. I would like for you to step on. and maybe they will give you more answer and explanation more then they have evade me with bunch of excuses that not make sense. I am attaching all supported documents that were provided to the bank Institution. 

Company response: Company chooses not to provide a public response
Consumer complaint: Collection agency can not provide information regarding original office where services were rendered. I have paid all debts in relation to the hospital visit on XXXX/XXXX/13 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XX/XX/XXXX, I had applied for an XXXX XXXX store credit card. I had never used it. In early XX/XX/XXXX, I had lost my wallet at a movie theater. I reported the card as lost/stolen to XXXX XXXX and XXXX XXXX who the card was financed through. I did not want a new card as I was unemployed as of the end of XX/XX/XXXX. 
Apparently at some point, this XXXX XXXX card was converted to a Synchrony bank card and there was a balance after it was reported stolen. I started receiving collection letters from a company called XXXX XXXX XXXX. They stopped collection after I sent a copy of the FTC Identity theft complaint to them and to XXXX. I had assumed everything was settled at that point. Now I am receiving collection letters from a Javitch Block, LLC collecting on the same debt. 
Javitch Block, LLC is not even licensed in the State of Tennessee for debt collection. I have filed complaints regarding this as well. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our SUV damaged XXXX/XXXX/15. Ins. XXXX XXXX XXXX subtracted $ from payment because we had " a lien on the car ''. Never any loan for it, never a lien or ever used as collateral, so I contacted Experian to check. Screen came up immediately with all details, including my credit score and reports from all three. Not being aware of the extra charges, I had thought what appeared on the screen was my lawful yearly information. So, I closed the screen. When I accessed my XX/XX/XXXX statement from XXXX XXXX. I saw a charge On XX/XX/XXXX of {$39.00} and another separate charge of {$1.00} ; On XXXX/XXXX/15 further charge of {$21.00}. When I Called to complain, I was told that because I had been given my credit score and all reports from the XXXX credit checkers I had spent {$39.00}. She then carefully asked if I had a {$1.00} which was charged for the yearly report. The {$21.00} was for membership in Experian after a free trial of one month. 

I did not ask for or sign up for membership and did not ask for credit score or all XXXX reports, they were just there. No joy from Experian. I vented my frustration and anger on XXXX and found a wealth of others with the exact complaint. 

This complaint seems to be a common practice and is designed to charge the public a lot of extra money ; even should it be not technically illegal. 

I want justice, I want the practice stopped. People should be told plainly, what they will be charged if they get the credit score number and if they should look at the other companies. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a loan for {$2600.00} to date I have paid over {$10000.00} I have asked to settle the loan because I am a single mom and the $ XXXX monthly payment has become a challenge. They denied my settlement offer. I continue to make the scheduled payments and they continue to call me on a daily basis saying that I am behind when I am not. I am on the verge of tears and I just cant take the calls anymore. They say they will stop calling because the see that I HAVE been making the payments but the calls and emails continue. Please help! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I got a loan with XXXXCash call. they take XXXX out the XXXX of the month. I have been paying on this for XXXX plus years. I for sure already paid this off but I cant find where to log in at to check. the numbers I am calling for Cash call ( XXXX ) goes to voicemail. I am beginning to get nervous as I have read on here lawsuits against them. I am an OHIO resident and believe they are still taking money when they should n't be. PLEASE HELP!!!!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello, On XXXX XXXX, XXXX XXXX sent XXXX refunds to my closed SunTrust acct. ( Amounts and reference IDs are as follows : {$260.00} Ref ID # XXXX and {$66.00} Ref ID # XXXX. ) SunTrust supposedly issued a check, or checks, in the amount of the total refund and mailed it to my old address. I never rec 'd a check. I have requested the check be cancelled and a new check mailed -or- the money be deposited into my new SunTrust acct ( preferably ). 
I have spent countless hours, receiving different information from both employees and Sups as to what happened or what needs to happen in order to receive the funds that are rightfully mine. The last time I spoke to SunTrust was today, XXXX/XXXX/15 and was told by a Sup that I needed to sign an Indemnity Form before the funds could be released to me. However, I was told a few wks ago by a diff Sup that I, as well as XXXX, need to have notarized signatures on this form. XXXX can not or will not participate in SunTrust 's request for a notarized signature. They have already done their part by issuing the refund. Also, the Indemnity Form basically states that if for any reason SunTrust decides not to reissue the money, they can not be held liable for compensation, including any legal fees I, as the consumer, may incur in trying to recover the funds. The fact of the matter is SunTrust bank has and has had the funds for over a month and a half now and refuses to release them to me. Please help. 

Sincerely, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I am having an issue with the Experian website in trying to upload an amended police report that I have made on XXXX XXXX 2015. I picked up the report on XXXX XXXX 2015 and it shows the original report filed on XXXX XXXX 2015 and on page XXXX it is the amended report from XXXX XXXX 2015. I am trying to upload the police report because there is fraudulent information on my credit report that is reporting there is multiple fraudulent inquiries on the credit report with XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX XXXX on XX/XX/2015, XXXX Card on XX/XX/2015, XXXX XXXX XXXX XX/XX/2015, Colorado XXXX on XX/XX/2015, XXXX Colorado XXXX on XX/XX/2015, XXXX Bank on XX/XX/2015. One of these inquiries resulted in a Fraudulent account with XXXX XXXX union Account # XXXX to be established fraudulent in my name. 

Company response: Company chooses not to provide a public response
Consumer complaint: Any cards with XXXX XXXX are not mine. As of XXXX 2003, I was divorced. These belong to XXXX XXXX XXXX of XXXX, XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have information that is on my credit report this does not belong to me ... the address XXXX XXXX XXXX XXXX, MD XXXX and several accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX These accounts need to be removed asap I have filed police and ftc reports regarding this issue. 
Police Reporto Report number : XXXX Officer Name : XXXX XXXX XXXX # XXXX XXXX police department 

Company response: Company chooses not to provide a public response
Consumer complaint: Hilco Receivables has filed a judgment under my name for money and debt due on XXXX/XXXX/2007 ( see attached case # and record of judgment ). I was not aware of this judgment nor was I served like it states in this document. Hilco Receivables is a collection company that has not been able to verify the source of the original debt. I believe that they also DBA as XXXX XXXX XXXX , XXXX. They have continued to simply ignore my request for sourcing the original debtor which according to this order was in 2007 way past the statue of limitations for any debt and can not verify original balance or source. The judgment is showing on my credit report and on record with the XXXX District Court. I also tried to attempt to verify the source debt thru the credit reporting agencies with to no avail or resolution. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a business account with SunTrust Bank and I was charged a {$15.00} fee for a credit inquiry. I called SunTrust to inquire about this charge and I was told there was no information on the company doing the credit inquiry. The only thing they could give me was a fax number and told me to fax the company to see who ran the credit inquiry. I do n't think its fair to charge me a {$15.00} fee but you ca n't give me any information. I was told any company I am associated with can run this inquiry at anytime and they will charge me {$15.00} each time. I do n't think that 's fair. 

Company response: Company chooses not to provide a public response
Consumer complaint: CFPB ComplaintI have a small business. A former associate fraudulently obtained a check made out & printed payable to my business, ( the payee ). This person Hand wrote their personal name on the check and cashed/deposited it at Bank of America. They also endorsed this check with their signature. Effectively this person stole this check for {$20000.00}. In USD which was payable to my business. Bank of America, upon filing a Demand letter to have these funds returned to the appropriate Payee, ( My Business ) is quoting state Law for Washington State for which they are not governed by, in using the statute RCW : Revised Code of Washington : XXXX Conversion of Instrument. This is an inappropriate and irrelevant quoting of regulatory statute. This is apparently being used as an Excuse for the purpose of not returning the fraudulently cashed funds into their bank. The Bank of America is governed by the OCC and not by State codes further. This check was printed with my business legal entity Name which is primary in the Payee endorsement of check payment instruments. It is fraudulent to cash or deposit a check to an account to any other account not associated with the printed intended Payee account, particularly without any primary payee endorsements or notifications. I request the CFP make notification to Bank of America this transaction was fraudulently cashed or deposited and payment to the appropriately intended Payee must be made immediately. Further, I request any and all legal notification of the OCC governance and appropriate banking or check fraud notifications be made to both myself and bank of America Fraud department Via : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Phone Number XXXX Address : XXXX XXXX, XXXX XXXX XXXX, XXXX, WA, XXXX 

Company response: Company chooses not to provide a public response