AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This is a follow up to case XXXX and XXXX, as there does n't seem to be a way to amend an ongoing complaint. After explaining to Bank of America in faxes, via chat, via email, etc., that answering a telephone causes me physical pain, their Executive Response team called me at XXXX today, causing further physical pain, and the necessity for me to take pain medication that makes it difficult for me to continue working today. As I am paid by the hour, I am looking at an additional loss of income in addition to what they have already caused me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by a debt collection agency for a past due payday loan. We set up a payment plan which I have followed since XXXX 2015. On XXXX XXXX, 2015 a payment was deducted from my account. My account should be paid off ( debt settled ). I attempted to contact the agency by phone in which I got no response. The contact number I have always used was disconnected and other phone numbers for the agency were disconnected and/or only had a recorded message. It is as if the agency has disappeared. 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan Servicing company : LoanCare, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, VA XXXXI am writing to complain that despite my having adequate funds, my last XXXX previous mortgage payments for XXXX and XXXX have deliberately not been processed by LoanCare through their website ( XXXX ). 

I tried to made a payment for XX/XX/XXXX using the same account that I have always used from my XXXX XXXX Account, and then realized later in the month that the payment was not processed through the website despite receiving an email confirmation that it had been accepted. 



As soon as I realized that they payment was not processed I then made a second attempt to pay XX/XX/XXXX, plus make my payment for XX/XX/XXXX as well, using a different account from a different bank. That payment was not processed as well as I have just come to find out. 

At the time of my second attempt to make my payment I also wrote a message to LoanCare customer service through their website ( XXXX ) requesting explanation why the payment was not processed. To date I have not received a response to that enquiry. 

Both bank payment accounts have more than adequate funds to cover the payments at the time that I made them. I have the bank statements to prove this. 

I have now ( XXXX XXXX ) made a third attempt using my XXXX XXXX account to pay all the past overdue amounts but I am baffled what the problem is because the last two attempts have been unsuccessful and I have received no explanation from LoanCare. I have just tried to call my credit union- XXXX XXXX and they have still not received a withdrawal request from LoanCare for any of the payments that I have scheduled through LoanCare website. 

I just want to simply make my payments but LoanCare is making that impossible, and tarnishing my credit, as well as charging me late fees. I would an explanation from LoanCare why my payments have not been processed despite having adequate funds in XXXX different accounts, and receiving email confirmation. 

I again called my bank to check if they had received a withdrawal request from LoanCare and to date they have not. This leads me to believe that my third attempt to pay will not be successful, and that LoanCare is dishonestly refusing to accept payments in order to collect late fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: In the year of 2013, I contracted XXXX as my cell phone provider with XXXX phone lines. 
As time went out I realized that XXXX had not a good cellphone coverage where I live, I contacted customer support and was given the run around, they told me that I could cancel. Never told me that I had to pay for the cancellation of the lines. 
Next thing you know, I started getting harassing calls from Debt Collector trying to collect {$1500.00} for cancellation. The caller gave me a settlement for $ XXXX put me on a payment plan that everytime I would get paid the money would be taken out in which I agreed. 
after paying the {$1000.00} I noticed that they continued to take out an extra {$200.00}. I called and asked them why, and they said that since I did n't pay the account in one month the settlement would have been cancelled- they failed at telling me this. 
Now I have a balance of {$350.00} and sent me to collections which has affected my credit- they lied to me so for a {$1500.00} I paid {$1200.00} which was {$200.00} over our agreement and now I 'm in collections! Please help me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My rental history from Experian XXXX is negatively reflecting civil court inquiries, which is keeping me from moving or getting an apartment.
I do not have any information in public records on any of my major credit reports.
I've never been evicted, owed any rent balance, or have I ever had any judgements against me, and I'm currently still residing at the same address for over 6 years.
Company response: Company chooses not to provide a public response
Consumer complaint: I am needing to buy a home for my grandbabies to grow up in with me. My credit report has this collection on it and I think it 's wrong. They never write me or nothing! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Contacted XXXX ( XXXX XXXX XXXX ) and they state they " can not locate a customer with the above referenced name, address or account number in our system ''. If they have no record of me owing them a debt why is it on my credit? How do I get it removed? 

Company response: Company chooses not to provide a public response
Consumer complaint: For over XXXX years, AAFES charged me directly from my social security XXXX check payments to pay back my mil. star account, even though prior to them doing that, I tried to tell them I was XXXX and could only pay XXXX dollars a month, but it was not sufficient for them. 
I contacted them again in 2014 claiming It had been more tan paid and again to tell them I now was diabled 100 % and they were hurting my pocket. 
They went ahead after many emails and supposedly pardon balance of debt and returned a refund, saying it was now paid in full, but has reported my credit as a charge off even though I have been XXXX for many years. Iam requesting your intervention for the XXXX time against this creditor and investigate if I was legally forced to pay since my supposed balance was XXXX. They should reimburse me. See attached letter sent by them after my complaint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: When I got divorced I assumed my car loan and a personal loan. My ex-wife assumed her car loan and a personal loan. After we were divorced for awhile she filed for bankruptcy on her XXXX loans. She did n't make her minimum payments for the bankruptcy so the loans came out of bankruptcy for her to pay on. She is n't paying on the car, it was repossessed, and now the bank is coming after me. This debt was hers to pay per a court order. I am being harassed by the bank and it is ruining my already damaged credit. They are threatening to turn this in as income under my name. My ex-wife is n't getting any notifications from the bank. Her bankruptcy also showed up on my credit as her personal loan was written off as a bad debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX was the final creditor on an old account in the amount of {$3100.00}. account # XXXX XXXX. the account was settled with them on XXXX/XXXX/15 in the amount of {$1700.00}. I have tried to contact them to update my credit report but the phone numbers I have are either " having trouble '' on the line or out of service. I even tried contacting the CEO XXXX XXXX but have received no response from him either. I want this off my report as I am trying to rent a new apartment and this is effecting my options. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have maintained a XXXX credit score with Transunion for the last 9 months. I recently checked my credit score through the credit card Co ..., XXXX and XXXX. They let me e know that my score had dropped to a XXXX. I have had no new loans, always paid my statements on time! I called transunion consumer relations to get an reason as to why my the score had dropped.? I was given no satisfactory answer. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America has gravely discriminated against me, delaying Loan Modification for 4 consecutive years. The employees at Bank of America were caught on recording denying the modification based on XXXX and demographics. This unethical and unlawful behavior created a long battle to getting the modification that I was very much qualified for and finally XXXX 2015, the modification was completed. My credit is n't destroyed because of my negligence but because of Bank of America, constant violation of Unfair, Deceptive, or Abusive Acts or Practices and Fair Credit Report Act. I want my Credit to be completely reflecting in good standing with Bank of America. I want ALL delinquencies removed from my credit report immediately. 

On XXXX XXXX, 2015 I met with XXXX in person at Bank of America, and he ensured me this would be repaired, on XXXX XXXX, 2015, I forward over the dispute letter regarding my Credit being corrected and not reflecting any delinquency rating at all from Bank of America. XXXX XXXX received the letter and stating he was working on it. I have called Bank of America thereafter to inquire about my credit, but to receive rude, disrespectful employees and no end results. The law requires my credit to be corrected, if no response from the credit regarding the matter within 30 days. It has been since XXXX XXXX, 2015 my credit is still damage and they are in complete violations of the FDCPA. 

Moreover, they are charging addition fees that they are not entitled too. Recently, received notification, Bank of America, added in {$8000.00}, forecloses fees stating they maintained my property landscaping, utilities and more. The refused to remove those fees, and has started billing despite the evidence I have to show, I maintained my own property that I reside in and paid my own utilities bills. This is fraud/theft by deception. 

I want my credit completely corrected as it relates to my loan number XXXX and I want the extra fees Bank of America has added to my loan removed or I will be suing the company. I refused to speak with them any further, as they added to my health issues but constantly upsetting me. The only way I will speak with Bank of America and that is the CEO himself. 

Company response: Company chooses not to provide a public response
Consumer complaint: I see this on my credit report and never heard of it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Lower Va Rates has stood up to proper business practice, since XXXX 2015 with a approval stated after weeks of processing per LVR, I have signed contract documents with the present of my wife and notary. Yet, no closing up to now, XXXX 2015, I have back paid mortgage payments : XXXX, XXXX, XXXX. Still no results nor contract made until I call in a rage on status but a lot XXXX/run around stall actions from LVR. I am XXXX, XXXX veteran, unemployed and my spouse is unemployed with medical conditions. I have applied LVR before without any delays, but today there bad business practice that shouldbe dealt with HARD!!!!!!! Bills/credit are behind due the instructions given LVR and yet no results as when the two months and amount of mortgage payment???? Budget!!!!! 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I have a loan with Sallie Mae and I went XXXX XXXX, wisconsin. I have a high payment and was hoping to lower or defer my payment due to going on maternity leave because I will have no income during that time. Sallie Mae was no help to me they want me to pay to defer the loan even while it will still be gaining interest and they do not even offer a loan extension to help lower payments. So altogether I can not temporarily stop payments or try to lower my payments in any way. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Citibank XXXX XXXX ( CBNA ), in conjunction with The Home Depot, treated me unfairly. In XX/XX/XXXX I applied for, and received, credit at the check-out register for a purchase ( about {$350.00} ) in order to get a {$50.00} discount. They got my mailing address wrong, so I never received a bill. ( Despite my ongoing efforts to communicate and negotiate a fair settlement, I still have never received a bill ). I forgot I had applied for this credit, and also forgot the amount due, thinking I had simply added it to an existing credit card. 

XX/XX/XXXX I received a collection call -- my first reminder that I had opened this credit account. I agreed I owed something, gave my correct mailing address, and asked for a statement I could use to negotiate a settlement. I did not believe I should pay for late fees and interest when I never received a bill! To date, I still have n't received a statement. 

XX/XX/XXXX they wrote off my debt, sent me to a collection agency, and dinged my credit report WHILE I HAD ALREADY AGREED TO PAY SOMETHING AND WAS SIMPLY TRYING TO OBTAIN THE INFORMATION NECESSARY TO NEGOTIATE A FAIR SETTLEMENT. I contacted the CBNA/THD ( they still have yet to send me anything by mail or contact me by phone other than the XXXX XX/XX/XXXX call ) and the balance they are trying to collect from me is now up to over {$700.00}! 

These collectors are intentionally stringing me along to grow the interest charges. They prey on people with good credit, thinking they will simply pay the fees to make outstanding balances go away, no matter how unjust. Well I will not stand for it and will fight. I will pay what is fair, but not {$1.00} more! 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXXXXXX and XXXX XXXX, We filed for Bankruptcy in XX/XX/XXXX and our case was discharged as planned. However Wells Fargo has been the only creditor to continue to report to my husband and my credit report. I 've gone back to the bankruptcy lawyer that assisted us in the bankruptcy but we have not gotten resolution. We would like Wells Fargo to stop reporting to our credit report per our bankruptcy. Last reporting date was XXXX XXXX. 

I know this report is from XX/XX/XXXX, but I 'm trying to re-finance our home and Wells Fargo come up again. 

Thank you for any assistance you can give us. My contact number is XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In addition to our regular monthly mortgage payment, we make extra principal payments to Green Tree Servicing, and designate these payments as additional principal, as allowed by our mortgage.  Green Tree, however, will not apply these amounts to the principal unless they are exactly equal to the monthly payment.  In the meantime, they hold and use our funds.
Company response: Company believes complaint is the result of an isolated error
Consumer complaint: This be on my credit reports. It is not anything I know of. Never wrote me, just put it on my reports. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: EXPERIAN IS A DATA MINING OPERATION : I applied for a credit card with XXXX XXXX XX/XX/XXXX, and was rejected based on adverse accounts in my Experian credit file. This means that XXXX XXXX was able to view my complete credit file. 
Because I had been rejected for credit, I obtained a free copy of my credit file and viewed it. I saw lots of errors, as is always the case with Experian, but did not start a dispute process. 
XX/XX/XXXX I applied for credit with XXXX XXXX. Their rejection letter stated the following : " We were UNABLE TO VIEW YOUR CREDIT REPORT BECAUSE YOU HAVE PLACED A SECURITY ALERT ON IT. " This tells me that Experian fraudulently and arbitrarily placed this security alert on my credit report, but I DID NOT PLACE ONE ON THERE, and obviously, when I applied with XXXX XXXX just a month prior to applying with XXXX XXXX, my Experian report had been viewable. 
I would like to know why Experian took it upon themselves to arbitrarily place a security alert on my credit file when I did not do so. 
All I did ( after viewing my report the first time, upon being rejected by XXXX XXXX ) was call them and ask them to not bill me {$29.00} a month for their credit tracking service. 
So, when I went online to get another free copy of my credit report after being rejected by XXXX XXXX, the Experian website stopped me and said it would need all of this highly sensitive, personal identification information from me : My driver 's license, my social security card, and a bank statement or an insurance statement! Who in their right mind would do this? I did nothing wrong to prove that I am really me. I simply requested yet another copy of my credit report because I was rejected twice based on my Experian report, which is full of errors, by the way. 
This is not the first time Experian has done this to me. I battled this same problem with them XX/XX/2013, two years ago, meaning, they arbitrarily put a security alert on my credit report and said that I did it ( when I did not ), and they wanted all sorts of personal ID information on me before they would work with me when I 'm not the one who made the mistake. 
What concerns me the most is that the US FEDERAL GOVENMENT -- yeah, you guys -- links with Experian to do a " soft inquiry '' if a citizen like me wants to set up a My Social Security Account online. In other words, that 's how much you trust the data mining operation otherwise known as Experian, whose corporate headquarters are located in the XXXX XXXX XXXX. 
The only 100 % accurate credit file on me is XXXX. 
So I need you to contact Experian and challenge them as to why they continue to arbitrarily put " security alerts '' on my credit file just to make it difficult for someone like XXXX XXXX to give me credit, and to make it difficult for me to see a copy of my own credit file, which is my right under the FCRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I approached XXXX XXXX of Millenium Home Mortgage in XXXX regarding mortgage refinancing. I told him I would like to refinance my house in XXXX to take advantage of the lower interest rates. So, I set out to explain my situation. I told him my house was rented out and the lease would end in XX/XX/2015. Furthermore, I told him I was living in a rental apartment in XXXX, but planned to move back to the house in XX/XX/XXXX, as soon as the tenant moved out. So, I asked him if he could help with the refinancing, and he said yes. He further stated that he could refinance my house as owner occupied, provided I was able to provide strong motivational reasons for moving back to the house as soon as tenant moves out. So, I provided all required documents and paid the appraisal and mortgage fees. 
After paying the fees, the appraisal was done and my house value came back ok. 
To my surprise, XXXX XXXX told me the financing could not be finalized until I move back to my house. He stated that I told him I was going to move into my house before the refinancing is concluded. There was never a time I told XXXX XXXX this. 
I believe I have been misled into parting with my money and would like to know if there is way to have my money returned to me. Thank you. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I was in a motorcycle accident and had to go get a XXXX. I was not supposed to be charged this copay at all ; but was due to a clerical error. As I was unaware of the mistake the billing company made and so it was sent to collection. I sent the collection agency a copy of the statute proving I should not have been billed and a letter asking them to verify the information over a month ago. They never replied to me. Instead of removing the information from my credit report as they are required to do un der the FCRA ; they changed the creditor name to N/A. They are also reporting the same XXXX dollar copay XXXX times ; each off by a few dollars a few digits in the " account '' number they reported. Their XXXX and only motive for doing this is to cause my credit score to drop and to harm me. I am happy to send you copies of the correspondence if this helps in your investigation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Home Depot dropped my credit limit from {$25000.00} to {$500.00} and then demanded I pay the balance that was now over the limit ( which was approx {$4000.00} ). I have spent hundreds of thousands of dollars with their company and have never been late on a payment during the 10 years that I have been a customer. Two days before this happened, I paid off {$17000.00} I spent on a new kitchen just before the 0 % interest promotion ended. I believe that they did this as punishment for not exceeding the promotional period and accruing around {$7000.00} in interest. I tried to resolve this with their company XXXX times and after being transferred around from person to person over and over, they finally just left me on perpetual hold and never answered again. 

Company response: Company chooses not to provide a public response
Consumer complaint: i am unable to access any credit information from the credit bureau 's and told that my credit number doesnt match my name. i was scammed recently and my S.S.N. was involved in this process. i feel that my credit information is being used by someone other than me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did a XXXX transaction. Then I cancelled the transaction. IWas told by XXXX that my transaction would be refunded to my account. It was never refunded. Next I started an investigation through Wells Fargo. I was temporarily refunde the money back into my account. Wells Fargo told me to send documentation of the XXXX transaction. I attempted to send the information. But, the email uWas given by the Wells Fargo rep was the wrong email address. Wellsfargo, then turned around and took the money out of my account. I called them to inform them about me receiving a wrong email address. I have since resent the info on many occasions. I never did receive my refund, so I set up a complaint with the XXXX. Wads promised to receive theRefund. But, all I have gotten from Wellsfargo has been Lies and disrespect. I just want myRefund, 

Company response: Company chooses not to provide a public response
Consumer complaint: I am running a payment behind because originally I was told this loan would pay off a loan I have at Heights Finance. When I sent the check to XXXX it did n't pay them off. So now I have two payments. The manager of One Main, said she could n't do anything. With that said even though I have a payment scheduled in thier system they continue to call and threaten legal action. They have called my employer and sent mail there as well. Now they have also sent an employee of thiers in. My boss and I have both told them not to call me at work. 

Company response: Company chooses not to provide a public response