AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I submitted a request for a modification review on XXXX/XXXX/2015. At the time there was a foreclosure sale date set for XXXX/XXXX/2015. I was told that I was in review and they were waiting on a retirement benefit award letter. I was able to provide this to them on XXXX/XXXX/2015. My attorney 's office contact the foreclosure attorney and they advised them that they were going to postpone the sale simply because there was complication with the publication of the sale because of a tax lean, so they reset the sale to XXXX/XXXX/2015. My authorized third party was advised that I was in review and no documents were being requested as on XXXX/XXXX/2015. My attorney 's office contacted the foreclosure attorneys office again on XXXX/XXXX/2015 and they were notified that Ocwen advised them on XXXX to proceed with the sale. No written notification that I was not in review anymore was ever sent out and no reason for denial was ever stated other than impending sale date, when the review started XXXX/XXXX/2015. Please help! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had major surgery in XXXX XX/XX/XXXX and had paid my deductible in full, all medical bills were covered. 
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX ) did not file the correct insurance information, even though it was provided several times and sent the account to XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX ) XXXX XXXX finally sent the correct information and they were paid in full XXXX. I have made repeated attempts to have this removed but XXXX is refusing to remove it. THis also happened at XXXX ( a sister company to XXXX XXXX ) and they removed it from collections. I have contacted XXXX XXXX and am awaitng a return call 

Company response: Company chooses not to provide a public response
Consumer complaint: A court judgement was reported incorrectly on my credit report. I was list as the defendant whereas I was actually the plaintiff and also it was reported that the judgment was against me whereas it was for me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed and got a chapter XXXX discharge in XXXX 2011, XXXX of my creditors was XXXX XXXX for a career loan through a non credited school, which was included in the Bankruptcy. I have started to get calls from XXXX XXXX XXXX systems of XXXX, Ohio as of XXXX XXXX that my career loan was not qualified for XXXX. And I have to pay the full amount. After XXXX years? I have contacted the XXXX XXXX loans and confirmed the loan is not a Federal Student loan. This loan was a signature loan for {$50000.00} and now the XXXX party collection company is claiming I owe {$12000.00}. Looking for help to resolve this as I was under the assumption this was discharged as well. Under IRS policy this is not qualified as an student loan.The collection company has called my family members and stated this is an attempt to collect a debt ( why are they sharing private information with family and friends )? 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America accepted my mortgage for modification but I rejected their offer. Now when I make a full payment on my mortgage, they do not apply it to my loan but instead hold the money as a " XXXX '' until the payment is late and apply a late fee to my account. This has occurred for two consecutive months beginning when I rejected their offer of modification. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bankruptcy discharged XX/XX/XXXX. USAA credit card was discharged in that bankruptcy. In XX/XX/XXXX, my USAA checking account was overdrawn due to insurance policy charges. I called USAA to give them updated bank account information, as I have no way to deposit money into USAA checking due to location. They debited the insurance charges from my new checking account, but referred my overdrawn checking account to a collection agency. As soon as I learned of this, I submitted a check to them in the amount of XXXX. Thinking this was resolved, and the check having cleared, I told the collection agency to stop calling me, as I had paid the debt directly to USAA. Today I called USAA and was informed that the payment was applied to an outstanding credit card debt, and they would not reverse it. I told the senior banking agent at USAA, named XXXX, that I included that credit card in by bankruptcy and that it was a violation of law to collect that debt. She told me I was wrong and disconnected the call. Attached are the credit card statement that they posted to my account for the XXXX time since XX/XX/XXXX, and my bankruptcy petition and discharge. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Bank of America made changes to its processes that affected accounts where new cards were issued. After more than two months of following up with the bank regarding my credit card, my account has still not been credited reward points. More egregiously, my account has been charged a debit that is erroneous. The " charge '' is because the account shows XXXX credits where there should have been XXXX. The problem is the XXXX credit is on the old card that I did not receive benefit from. Bank representatives acknowledge this error and just keep telling me that the system will fix itself and that they are working on it. However, this has gone on too long and believe that something should be done. The reward points is XXXX thing but the extra charge that has been on my account for almost three weeks is another. 

Company response: Company chooses not to provide a public response
Consumer complaint: I sold products on EBAY through PayPal. They knew I hadchanged my bank as I let them know. There seemed to beno problem taking my money out of the new bank when Ipurchased something. But the money they owed me stillis in their hands. Several phone calls later they assuredme that it was taken care of and I still see they still have it 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX XXXX, 2015 CKS financial of Virginia contacted my employer. we are not allowed to get phone calls at work. I just talked with them yesterday and told them i would contacat them in 24-48 hours. This needs to be addressed. Thy called XXXX different departments within my work plus contacted me on my cell phone today. 

Company response: Company chooses not to provide a public response
Consumer complaint: I entered into a payment plan with XXXX XXXX on XX/XX/XXXX. I received regular bills every month up to and including XX/XX/XXXX. I never received another bill or letter after this. No attempt was made to contact me either by mail or phone. I received letter from Revenue Recovery Corporation on Monday XX/XX/XXXX stating this account had been placed in collection.I called XXXX XXXX on Tuesday XX/XX/XXXXand was told that the account was set up on a payment plan in XX/XX/XXXX and that they had sent a letter in XX/XX/XXXX and XX/XX/XXXX which I never received. The account was put into collection in XX/XX/XXXX according to them. I have all statements that were sent from XX/XX/XXXX to XX/XX/XXXX along with cancelled checks. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had my 2015 tax return sent to net spend on XXXX XXXX. They let me make couple of with draws. Then they put a block on it. They wanted information that I could n't provide.So I told them to mail it to me.I call several times and talked to many supervisors and all gave me different information.They claim they mail it off.Here are some of the dates XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX &, XX/XX/XXXX all dates had a20 day waiting period. As of today date XX/XX/XXXX I have n't received it.Now every time I call I 'm holding till the line click off. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX of Idaho turned me into CBI for a {$100.00} debt that I paid on XXXX/XXXX/15. They have refused to communicate with CBI that I did, in fact, pay the debt, and CBI subsequently calls me weekly, and has now falsely reported to the credit bureau that I owe the debt. I have been in communication with both the provider of services and collection agency to get this issue cleared up, and the provider of services is refusing to communicate with the collection agency. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My identity was stolen in XXXX, and several debts were incurred in my name. For XXXX of these debts I am still receiving debt collection notices, from different companies. It appears that the debt has been transferred or sold by these companies, despite knowing that the debt was based on identity theft, and not collectible. The account is a credit card that was opened in my name with XXXX XXXX XXXX XXXX, with a balance of {$460.00}. 
I first learned about the account on XXXX XXXX, XXXX by phone call from XXXX XXXX, who worked for XXXX XXXX XXXX, and said she represented XXXX. I faxed her a copy of the police report to fax # XXXX. I also sent a letter to XXXX, with a copy of the police report. 
On XXXX XXXX, XXXX I received a demand letter from XXXX XXXX XXXX, attempting to collect {$540.00} on the same fraudulent account, current owner XXXX XXXX, XXXX. I sent a letter to XXXX XXXX XXXX the same day, with a copy of the police report. 
On XXXX XXXX, XXXX I disputed the account with XXXX. 
On XXXX XXXX, XXXX the account was removed from my XXXX file. 
During the month of XXXX, XXXX, I received phone calls from XXXX with XXXX XXXX in Florida ( at XXXX, or XXXX XXXX ). He told me the current owner was Credit Card Resellers, and the balance was {$450.00}. I do not know why the balance was lower, as I had not made a payment on this account. I emailed XXXXXXXXXXXX the police report, the XXXX letter stating the account was removed from my file, and a reminder not to try to sell my account to someone else. On XXXX XXXX, XXXX I noticed a charge for {$450.00} on my XXXX XXXX business credit card. I spoke with my office manager, who told me someone from XXXX had called the office and demanded payment for a past due debt, upon which she had given them the office credit card number. I contacted XXXX XXXX to reverse the charge, which they did on XXXX XXXX, XXXX. I could not believe XXXX XXXX was trying to collect on this account behind my back, knowing full well it was a fraudulent account. 
Last month I received a demand letter from Dynamic Recovery Solutions referencing the same XXXX account, with a current balance of XXXX, current owner International Collection Services. I am mailing them a cease and desist letter, a copy of the police report, and a copy of the XXXX XXXX, XXXX letter from XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: It was told I have this phone account and I have never had XXXX services and I have had another provider for over 15 years. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: We had medical emergency at XXXX XXXX XXXX in XXXX. We paid all the bills in time except a small bill for {$97.00} from XXXX XXXX XXXX XXXX which we never received. During this time we also moved so XXXX be the notices were lost in mail. Surprisingly 7 months later we got a collection notice on XX/XX/XXXX from PAYACEI ( dated XXXX XXXX ) based in XXXX VA. We immediately called XXXX XXXX XXXX to investigate and made payment for this balance on XXXX XXXX. 

We have also received paid in full statement from XXXX XXXX XXXX yet XXXX claims that we owe this money to them. When I called to explain, they were rude and continue to insist that We owe them the money which we already paid. I believe that this company is fraudulent and uses abusive tactics to collect debt, even if it is already paid off. 

The reference number for this notice is XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have yet to receive our results from Transunion regarding our dispute. I am requesting an error to be removed from my credit report as it in an error. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've been receiving calls from a payday loan company after I 've asked them to cease and desist. They call me with different numbers from all over the country all times of the day with automated messages. I 've tried to work something out but they insist on using this method of collections and leaving voicemails. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have been trying all day to set up an account with b of a on XXXX XXXX in an XXXX XXXX. I am moving from XXXX to XXXX soon. I spoke with XXXX at the branch who said he could handle it. Then said he had to wait til friday. Then I had my bank manager here in XXXX call him to work with him to set up account and wire money. he said i could go on line - but he was busy. We tried that for hours. No one at B of A knew how to do it even though they offer it. I spoke to XXXX, XXXX and on and on. We simply wanted to open an account, wire some money in so that I would be prepared when i moved to XXXX in XXXX. 
It was a fiasco of ignorance.No one at B of A knew how to work the computer or knew the procedure. I asked if they wanted XXXX to call them and show them how. The entire staff including managers was incompetent. All I wanted to do was be prepared for the move. These people took all my private information several times and then said they were stuck. If they ca n't do on line banking - get off it. We tried that for hours. I spoke to XXXX, XXXX and on and on. We simply wanted to open an account, wire some money in so that I would be prepared when i moved to XXXX in XXXX. 
It was a fiasco of ignorance. No one at B of A knew how to work the computer or due the procedure. All I wanted to do was be prepared for the move. These people took all my private information several times and then said they were stuck. If they ca n't do on line banking - get off it. 

Company response: Company chooses not to provide a public response
Consumer complaint: Recently, I disputed item XXXX XXXX XXXX XXXX / XXXX on my report from Trans Union . This is an unsubstantiated account for the reason that XXXX XXXX has failed to provide details regarding their compliance with the law. This letter was dated XXXX XXXX, 2015 and received by XXXX XXXX on XXXX XXXX ( copy attached ). XXXX XXXX failed to provide evidence of their compliance of required proper notices and disclosures regarding the deficiency balance claimed. Trans Union was provided this information in my follow up dispute. Despite this, Trans Union continues to verify that the information is accurate. Attempting to figure out how Trans Union was able to do this, I made a request pursuant to FCRA Section 611 ( a ) ( 7 ) requesting that Trans Union describe their methodology in order to determine that XXXX XXXX has complied with the law. The letter to Trans Union was dated XXXX XXXX, 2015 and received by Trans Union on XXXX XXXX, 2015 ( copy attached ). On or about XXXX XXXX, 2015, Trans Union replied to my inquiry, yet completely failed to address the FCRA 611 per my request. I am requesting from Trans Union that they provide me details of their method of verification including the name and address of the organization or individual providing this information as well as evidence that my correspondence was reviewed by Trans Union and in fact forwarded to XXXX XXXX XXXX / XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was a current student at XXXX college. The financial aid represntive called me out of class to tell me I did n't have enough funding from grants and student loans to cover my books and said she did n't know how else I was gon na pay for them or continue classes without them or a payment for them. She continued by saying I need to take out a Genesis student loan that would also be payed directly to the school. She filled out an application on line for me. She called them and worked out the details and had me sign up for loan. She said since I was n't working at the time that this would be the best way for me to get my books. I have been paying back my loan. The school has been shut down and now that loan has paid for books and classes I did n't get to finish. The school has shut down and I am still left with the payments on the money the school received for a degree I never got to complete. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: My husband and I boh have an account with Wells Fargo as well as our joint account. My husbands account became over drawn on XXXX XXXX. On XXXX XXXX Wells Fargo exercised their 'right to off set ' by withdrawing the overdrawn money from our joint account to cover the beg balance in his personal account. ( I understand this and I 'm fine with this ) the problem is that at this time our joint account did not have enough funds to cover this it actually only had {$20.00} in it but they still took {$240.00} out, overdrawing the account. That transaction posted immediately and now they want to charge my overdraft fees for the transaction that are pending BUT was made while I actually had money on the account. It seems to me that the right to offset should actually serve the purpose of off setand by making XXXX account t posit XXXX only to make another negative so you can then charge more fees seems illigal to me. 
Please help 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like to file a complaint against XXXX, without researching they made no attempt to investigate the issue with XXXX. My balance for account # XXXX should be XXXX. I returned the equipment on XXXX/XXXX/15 and they never issued a credit for it, currently it 's reporting that I have a balance of {$1000.00} which is completely incorrect and should be adjusted as of XXXX/XXXX/15. They are impeding my credit score as it should be much higher than it is. Also, they are reporting under " revolving accounts '' and utilities such as home phone and cable should be installment NOT revolving. I have attached proof as well of the return. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo is denying my request for loan modification. Affordability was an issue and the fact the loan was owned by private investors. 
I currently have an estimated balance of {$100000.00}. I would like to submit a payment for {$55000.00} and request the balance be modified with a 30 years mortgage payment. 
Over the last eighteen months I had asked at least XXXX times for a modification and they had denied with the excuse of affordability. However, I feel their lock of cooperation, had a sole purpose of rip-us-off of our equity, our health and our memories. My loan increase from {$72000.00} to {$100000.00} ( estimated only ) and is on the rise every day. I want to settle this off. I even offer to pay off the {$72000.00} initial balance and call the loan paid off. They just do not care but to take my home away from me and my family. 

Company response: Company chooses not to provide a public response
Consumer complaint: At approximately XXXX on Wednesday, XXXX XXXX, I received a phone call from US Bank. I do not remember the representative 's name. I was however, only verified with the last XXXX digits of my social security number and nothing else. He proceeded to tell me that he was calling because he was showing that my car payment was past due, and that the payment was due on the XXXX of XXXX. I was NEVER read a mini-miranda statement before this conversation happened. I let this representative know that the reasoning behind this payment not being made on the XXXX is because I called US bank on XXXX/XXXX/2015 at approximately XXXX, and spoke with a representative whose name was XXXX, and she changed my due date to the XXXX. That I was told that it would take approximately XXXX days for this payment date to process within their system. I asked XXXX is I would receive a new statement, and was told that I could just mark the XXXX off of my current statement and write in the XXXX. He stated that their system does show that my due date is the XXXX but for the next billing cycle, and if I do n't pay my payment by the XXXX that I would receive a late payment charge on my account. I told him that I was told to pay on the XXXX of XXXX, so I do n't want to make a payment today, because I was told that the due date is the XXXX. He then proceeded to tell me that I should definelty dispute this, meaning that I should call them back to dispute this. I told him that he called me, that I wanted to speak with his manager in regards to disputing this information. The representative came back on the phone and stated that I would need to speak with the customer service manager in regards to this dispute because his manager would not be able to help me. I was then transfered to XXXX. XXXX told me the same thing that the previous representative told me. I let him know that I would be contacting the CFPB in regards to this, because this is a UDAAP issue. I will not be making my payment to US Bank until the XXXX because that was the date that their repesentative stated that my payment was due. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi, I was charged without my awareness {$4200.00} as of XX/XX/2015I never seen a Doctor or signed any document regarding any medical treatment. 
Somebody is using my name and ruing my credit. Please help. 
This is the company 's information below. 
XXXX XXXX XXXX {$4200.00} as of XXXX account. {$4200.00} past due as of XXXX XX/XX/XXXX 




XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My identity was stolen back in XXXX 2008 when my purse was stolen from my person. I have the police report with the statement of theft. Today, I received a phone call at my place of work regarding a collection of debt. The company is Performant Financial Corporation and the caller was XXXX XXXX. I explained to XXXX that I am a victim of identity theft and her calling me at work was illegal under section 806 ( 5 ) of the Collection Practices Act. 

Company response: Company chooses not to provide a public response