AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am the XXXX of a business ( XXXX ). I get phone calls from what is listed on my caller ID as CitiGroup with a phone number of ( XXXX ) XXXX. The call is an automated call that asks to return the call at XXXX. Upon returning the call to inform them that we are a business, I am told that we will be removed from the call list. The call comes multiple times a day but XXXX of those times is right around XXXX. This is the busiest time of the day, any day for us as a XXXX. XXXX of my staff members or myself have to stop assisting our paying customers to answer the phone, in case it is real customer. I have called the company requesting to be removed XXXX times. The last XXXX times, I have spoken to supervisors and they have guaranteed that I would not be called again and our number would be removed from the list. Additionally, the name of the person they tell me they have listed for my number is n't even the last name of anyone I 've ever hired for my business. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX ( XXXX, Ga ) is a for -profit school that is holding my transcripts hostage for what they claim I owe {$3900.00}! I attended this university in good faith for XXXX years until suddenly I " maxed out '' my financial aid. Now, it 's kinda odd that this would happen when I 'm XXXX credits into my XXXX credit degree program, but I 'm not the only one this seems to happen to. This school is STILL trying to make a profit off of me even though I could not pay out of pocket to continue my education with them. They are now preventing me from moving forward with my education and are hindering my quality of life! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am getting called and harassed for a debt belonging to a sibling. I have related this info to the debtor before. Once I took the message and hung up the rep called me right back away to annoy me. Therefore breaking FDCPA law and harassing a client once contact was already made. 

Company response: Company chooses not to provide a public response
Consumer complaint: After making a payment for the exact amount owed on a credit card, and within XXXX days of the billing cycle, Bank of America added a {$1.00} charge labeled as both " interest '' and a " fee. '' This is misleading since this is a fee-free account. 

Company response: Company chooses not to provide a public response
Consumer complaint: I noticed on my credit report that the bureau XXXX is reporting that Ive been late towards my Macy 's credit card numerous times. XX/XX/XXXX, I spoke to a representative in the Macy 's credit department to correct the information stated and it was confirmed to me that there has only been XXXX late payment back in XX/XX/XXXX. I am disputing that my credit report should update the proper information regarding late payments made so the courtesy to increase my credit scores can be provided 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan was transferred to a company with a horrible record of misappropriating escrow accounts and causing numerous other financial hardships. Do I have any recourse or say in this matter so that I may prevent the same issues from happening to me? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I disputed with this credit bureau concerning XXXX XXXX and sent in backup that this debt was in dispute before this was placed on my credit report and was being collected by XXXX different collection agencies. I asked for the backup to how they verified this amount and they did not send me any information just left the insertion on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: unauthorized inquiries on XXXX XXXX, 2015 

Company response: Company chooses not to provide a public response
Consumer complaint: Keep receiving telephone calls from debt collectors for a person with the same name, but different SSN and date of birth. 

Received calls from XXXX XXXX/Direct Capital ( # XXXX ) and from an unknown caller ( # XXXX ). 

I never received a letter regarding a debt collection, but continue to receive telephone calls. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: For the last XXXX years I have been getting collection calls for a person I do not know. The most recent of these calls was from XXXX XXXX at Allied Interstate ( XXXX ). When I asked to speak to his supervisor about this call he was unable to connect me because 'they are all busy or at lunch '. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this through all XXXX credit agencies. I had a XXXX credit card. It was paid off and settled. XXXX still sold the debt to XXXX XXXX and they are still trying to collect on me since XX/XX/XXXX from XXXX and Since XX/XX/XXXX for XXXX XXXX. The account balances are completely different and the debt was paid off to XXXX before ever going to collection. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX 2015 I filed complaint against Enhanced Recovery Company. Case # XXXX. During the dispute process, Enhanced Recovery advised they will request documentation from XXXX XXXX XXXX regarding this account. To date, no documentation has been received and the account is still listed on my credit reports. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Allied Interstate debt collectors has called my residence XXXX times since XXXX XXXX, 2015. At times, the calls are only minutes apart. Normally it is a machine, leaving a message : This communication is from Allied Interstate LLC, a collection agency that is attempting to collect a debt. Any information we obtain will be used for that purpose. " On the rare occasion that it is a person, they were told the debt does not belong to anyone at our number, please stop calling ( to no avail ). 

Company response: Company chooses not to provide a public response
Consumer complaint: Our vehicle was a total loss in an accident. This happened during a Chapter XXXX Bankruptcy in through which the loan was paid off 100 % to Bank Of America per their claim in the bankruptcy court. However, B of A will not release the title to XXXX XXXX because they are saying there 's still {$320.00} owed for something. They do n't know for sure if it 's even owed and ca n't tell me what it 's for. But they are holding us up from replacing our totaled vehicle even though there is a Court Order from the Federal Bankruptcy court ordering XXXX XXXX to give us the proceeds from the settlement so we can replace the car. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am placing this complaint for the mishandling of my repeatedly requests for a modification. In XXXX I was granted this {$200000.00} mortgage originally with XXXX XXXX, in XXXX it was sold to Countrywide and in XXXX sold to Bank of America. In XXXX my husband had XXXX surgery and had to stop working and I had to reduce my hours to become his caregiver at which time we defaulted. Up until this time we had made every payment on time, even paid {$110.00} extra each month towards the prinicipal. In XXXX financially our situation improved and I started applying with Bank of America for a modification at this point we were only 12 months behind. Each time I called for a status I was given the run around, excuses of lost applications, missing docucments, outdated financials, assigned new representatives etc. When I finally received a response in XXXX it was a denial for not qualifying for any programs. I immediately filed an appeal and the application process and stall tactics began again, all the while the arrears kept getting higher! In XXXX XXXX I received a letter saying my mortgage was sold to XXXX and I found myself having to begin the modification process all over again! In XXXX XXXX XXXX denied my modification and foreclosure notice came shortly after. This time I consulted with a not for profit agency who helped me fight. Finally I was approved but being that non of the arrears were forgiven and no principal reduction the new mortgage amount would be {$310000.00} on a house that is only worth {$220000.00} and the monthly payment was going to be 52 % of my net salary! As much as I want to save my home I could n't accept this offer. Financially I am able to pay this mortgage, I have no outstanding debt, my credit score is XXXX, I pay all my bills on time, all I need is an affordable modification! What I do n't understand is why Bank of America was allowed to get away with this. My misfortune happened during the banking industry crisis they got bailed out by the federal government why ca n't the government help the common man keep their home! I built this house in XXXX when I was XXXX years old I raised my XXXX children, this is not a house this is our HOME! All I need is someone to help me fight against this injustice, reduce the arrears that were not my fault and let me keep my home! 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I applied for a used car loan through US Bank. We dealt with XXXX XXXX ( The Branch Manager at their XXXX, CA location ) who was nice at first, but proved to be a bad banker in general. 

US Bank approved us for what we needed for the car ( $ XXXX ) and offered us great terms. Despite applying together, XXXX advised my wife and I to remove me from the loan because she carries most of the income and I carry most of the debt. He claimed he could get us more favorable rates with just her. I was confused because our other lenders wanted my name on there and werent concerned about it raising our rates, but we agreed and went ahead anyways : they were offereing us great terms at a great rate. I spoke with XXXX many times before and during our purchase to make sure everything was OK with our loan. He told me a number of times everything was fine and we were greenlit to buy the car. He even issued us a pre-approval letter verifying the $ XXXX my wife had been awarded. Within minutes of purchasing the car I got a phone call from him asking if I 'd been successful. I said yes, and then he dropped the bomb. He claimed that he had just received a call from their underwriter saying they 'd adjusted our loan down to $ XXXX instead of the $ XXXX we had a pre-approval letter for. Despite having a pre-approval letter and over XXXX phone conversations to confirm, somehow everything fell apart in the 10 min after I 'd bought a $ XXXX vehicle and US Bank was no longer able to lend us what we needed for the car. This was very much a bait and switch tactic. I was told there was nothing they could do and I would have to return the vehicle to the dealer if what they offered us was not sufficient. 

Based upon a conversation with a banker at a different bank we discovered that XXXX gave us some horrifyingly bad advice and mislead us as a banker. He misunderstood his own underwriter 's requirements and it was his advice that ultimately caused the underwriting issue. It should be acknowledged as well that the other banked also stated there should be no way for an underwriter to come back and change a loan amount after a pre-approval letter has been awarded. XXXX had suggested we take my name off the loan to remove some debt from the records, but neglected to realize that my wife had never been approved for such a big loan by herself before and as a result ( according to XXXX ) the US Bank underwriters became concerned with the fact that she 'd never had a comparable loan. Had he included me on the loan, that would not have been a problem. 

It should not be the case that after 10+ conversations and a pre-approval letter that our loan could be unilaterally changed on us and it should not be the case that one bankers incompetence should be a burden we have to bear. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage company did not pay my homeowners insurance ; and, now my policy has lapsed. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: There are XXXX names as well as XXXX or more addresses and credit card institutions as well as accounts on my credit report that do not belong to me, that I have never used, and that I do not use, and never have given anyone permission to use. The information on my credit report is false and has caused me harm in the forms of loss of homes jobs and more. I want this information immediately removed and expunged from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: They have not communicated directly with us, with proof that they actually hold the debt, what the current balance is, and how to pay it. 

Company response: Company chooses not to provide a public response
Consumer complaint: For the second year in a row my mortage company Shellpoint mortgage has not paid my school taxes which are escrowed and the school is threatening that this is going to their attorney now. These were due XXXX of last year 2014. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Charged interest after promotional APR ended. I paid in full before due date. Still hit with interest charges of {$64.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am disputing Bank Of America 's reply to my last complaint. They say thatbecause I signed the loan papers, that showed that I fully agreed to it 's provisions. 
However, because I trusted BOA to provide accurate info, I did not have accurateinfo on my home 's value until I was able to do more research later. I was surprised to findto find the house had been appraised about for about {$100000.00} more than it'smarket value. Also, it took about XXXX years to get a copy of the XXXX appraisal. 
This considerably increased the cost of the loan and made it impossible to sell thehouse. I am still asking for compensation as originally requested. 

Company response: Company chooses not to provide a public response
Consumer complaint: they will not let me dispute these, what they have on them are wrongXXXX Dispute this itemAccount Number : XXXXDate Opened : XX/XX/XXXXStatus : Discharged through Bankruptcy Chapter XXXX this was paid not chapter XXXX by me with money orderXXXX XXXX Dispute this itemAccount Number : XXXXDate Opened : XX/XX/XXXXStatus : Paid, Closed. 

XXXX XXXX Dispute this itemAccount Number : XXXX .... 
Date Opened : XX/XX/XXXXStatus : Paid in settlement. this was not settlement i paid full bal 

Company response: Company chooses not to provide a public response
Consumer complaint: Issue with Transunion. Trying to make necessary corrections to credit report. 
No one from Transunion speaks good XXXX or understands the questions. 
Unable to process online request and upload the documents for the investigation. 
I was transferred back and forth XXXX times and had to call in multiple times with no resolution. 
I was able to successfully process my requests on XXXX and XXXX with no issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: I refinanced with Countrywide XXXX XXXX, XXXX and my home was valued at about {$390000.00}, an increase in value of about {$150000.00}. In XX/XX/XXXX, I applied to Bank of America for a HAMP loan. It was a horrible process. I talked to a new representative every time I called. I was told to skip a payment and it would roll into the final loan without causing any problem to my credit. I was finally given a HAMP loan at 4.25 % interest, increasing to 5 % after 5 years. My monthly payment was reduced by less than {$200.00} ( Principle, interest, taxes, insurance ). In XXXX, XXXX my monthly payment was {$1200.00} for principle and interest at 4.25 %. It is now, after completing in XXXX, XXXX, $ XXXX/month at 5 % interest. My principle was reduced {$5000.00} after completion. I have repeatedly tried to re-fi and I " do n't qualify, '' primarily because of my credit. 
My credit is in a shambles. I have n't had a raise since XX/XX/XXXX and had a 2 % pay cut for almost 2 years. I am an XXXX and have worked here for 28 years. Even so, I have been an excellent customer for BOA since XX/XX/XXXX ( though I fought with them to correct my credit when I skipped a mortgage payment at their request ). 
Now I am trying to get a HARP loan and, again, " I do n't qualify. '' Today I was told that my re-fi was an unconventional loan and did n't qualify with MHA. That is the first time I ever heard that. When I objected, the rep talked to someone a second time and he told me that XXXX XXXX does n't own my mortgage. I checked on the XXXX XXXX site and XXXX XXXX has owned it since the XX/XX/XXXX re-fi with Countrywide. If I do n't, then BOA did something to my mortgage that I was never aware of. 
Over the years, I have been told many different, conflicting things by BOA representatives. After the rep gave me XXXX unrelated reasons why I did n't qualify today, I see no reason to keep talking to them. 
I simply want to be able to afford the home I 've lived in since XX/XX/XXXX. BOA has not helped me, in fact, they have made my finances much, much worse. 

Company response: Company chooses not to provide a public response
Consumer complaint: I wrote a letter to Experian asking them to investigate mistakes on my credit report. They responded to me with a letter saying my letter was suspicious, and that they would not do my free investigation. I do n't know what was suspicious about it. It did come from me, and I even attached copies of my ID 's to confirm my identity. In Experian 's letter, they gave me a phone number to call and an e-mail address to visit to " validate '' my letter. Apparently, I can not speak to a live operator or do anything to via the web-site unless I buy one of their products from them. I believe Experian is purposely refusing to do my free investigation so I will buy something from them that I do n't actually need. 

Company response: Company chooses not to provide a public response
Consumer complaint: I ve lived in a shelter for the past XXXX years and i have house mortages in my name and car insurances in my name also.somebody is staling my account information and thats fraudulant my name is XXXX XXXX i never owned a car orlived in my own home i also never gave my info out though it couldve been stolen by someone the person who is using my info.i want to start an immediate investigation and criminal and federal charges pending the party of fuaud ( s ) .i do have an finance account i cant acess because i didnt get my account number .please can you or a relating company give me any assistance.thank you. XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have repeated requested XXXX not to call my work number or home number I would only communicate with her through mail. Requested proof of debt which I have never received., she ( XXXX XXXX XXXX? continues to call my work number and my home number. The calls look like they started around XXXX XXXX ; she XXXX, XXXX/XXXX/XXXX, XXXX ( XXXX times XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX these calls were made to my home number. 

She has called my work number : XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXXXXXXXXXX ; XXXX/XXXX/XXXX @ XXXX ; these called appeared on my caller ID at work and missed calls. Unfortunately, I can not find the early call where I requested her not to call, but XXXX has now switched over to using unknown number and I spoke with her today XXXX/XXXX/XXXX @ XXXX for XXXX seconds restating the fact I would not speak with over the phone to send everything in writing and not to call my work number. I also have an unknown number on XXXX/XXXX/XXXX @ XXXX that last :58 seconds that I am assume was hers. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My ex-wife and I got a XXXX over 2 years ago and the decree clearly stated that the marital home was to be sold and in no way was she given my interest in the property or was it conveyed that she wild be allowed to stay in the property over the time it took to sell it or 1 year, which ever came XXXX. Additionally my name is on the loan and on the deed and I have not and will not sign over my intertest of the home to her. In the meantime she has applied for a Loss Mitigation Application with the motrgagee, US Bank. They have allowed her to start this process and have accepted payments from her with the knowledge they have viloated the rules and regulations that govern this program. I want this process stopped immediately and the Mitigation process to cease and for her to not be allowed to remain in the former marital home. 

Company response: Company chooses not to provide a public response
Consumer complaint: The following collection company Coast to Coast Financial XXXX XXXX XXXX XXXX XXXXAccount number XXXXplaced a account on my credit report without ever contacting me in any form. 
I have written this company asking for documentation several times regarding this account and have never received a response from them. 
They are violating my rights under the FCRA 

Company response: Company chooses not to provide a public response
Consumer complaint: Cach LLC has contacted me repeadly to collect on a debt I do not owe, and they have not responded to my request for debt validation. 

Company response: Company chooses not to provide a public response
Consumer complaint: Please see the attached narrative complaint and exhibits. This complaint is about unearned fees, unearned interest, and credit reporting all after the consumer canceled the card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I for one never recieved a bill on this debt and for two i called the hospital where the debt is from and they said they dont have any outstanding bill for me because i never even went to the er at or around this time. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: XXXX Account : XXXX is a fraudulent account and has been disputed with both the creditor, The collection agency representing the account, and the XXXX major credit bureaus. I have provided proof of identity theft report filed by local law enforcement agency to all entities mentioned. The collection agency XXXX XXXX has since remove the collection account however, the creditor itemized account in association with this collection is still listed as a " charge off '' with transunion. I have disputed this item with the credit bureau Transunion and was advise that they were able to verify the information as accurate with the XXXX XXXX. I have contacted XXXX XXXX directly regarding this issue and was advised that the account does not exist in their database system and was an investigation could not be filed since the account does not exist in their system. I was then referred back to the collection agency to handle this dispute. After speaking with the colleciton agency XXXX XXXX today, I was told that they have do n't their due diligence by removing the collection entry. I was further told that they only handle reporting issues generated on their end. Needless to say, the item is still listed on my report by XXXX and I am disputing it once more. 

Company response: Company chooses not to provide a public response