AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I was a member of XXXX 's XXXX ( XXXX XXXX XXXX ) and left the gym XX/XX/XXXX. I started receiving calls this year that I owe them a debt of over {$100.00}. I am unsure why I owe this much money on a membership that was {$20.00} a month. 
The credit collections, 'Central Credit Services ' was unable to tell me why. So I called the corporate office of XXXX, but they could n't help me either because the gym I went to ( XXXX on XXXX XXXX XXXX XXXX XXXX in AZ ) was a franchise and it has since closed down. 
So there is nobody in the world apparently that can get me a bill so I can understand why I owe this money. I have told Central Credit Services three times now I wo n't pay wihtout a bill. Each time they call me they offer me a different reduced amount. One time they offered me to pay 50 % and I said I would when they sent me a bill ... .she said she would look into it. 
I never received a bill so when they called again I talked to a guy who said that they can not give me a bill of why I owe what I owe and that is normal and how it always is. In frustration, I told him I would pay the 50 % portion just to resolve the issue but he said he could not offer me that even though I was told last time that was an option. He told me he could only settle at 10 % off. 
Furthermore he told me that he could only settle for less if I paid all at once, otherwise I have to pay 100 %. 
I am not a person who skips on my bills ... I pay my bills and am a responsible person. I, however, find it hard to believe that somebody can collect a debt on me without a written explanation of the charges. 
They have apparently sent me several letters to my correct address, but I have seen none of these. 
I declined to pay today, as I do n't have any wiggle room in my budget this month. I offered to call back another time. He responded that was fine ... .'well then we will just continue to call you '. Although this is n't a violation of any credit laws, it was extremely unprofessional to threaten to keep bugging me. 
I do hope though that debt collecting while refusing to provide a bill is in violation of debt collecting laws. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an account with Bank of America and I mailed a check out on Tuesday XXXX, 2015 from XXXX to XXXX. I had enough money in the account to cover the check and then some. I paid my credit card before the check was cashed. I checked my account this afternoon, Thursday XXXX, 2015 and noticed I had XXXX overdraft fees for {$35.00} for a total of {$140.00}. All of these were caused because the check that was mailed was put in front of the rest of the transactions. I called Bank of America and told them that there was no way that the check got from XXXX to XXXX and was cashed before the other transactions. The person on the phone told me that they could only wave XXXX of the {$35.00} overdrafts fees. The check should not have been placed at the front of the transactions because the other transactions happened before the check was cashed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I obtained a XXXX Mortgage as well as a XXXX mortgage on my home XX/XX/XXXX with Wells Fargo Bank. I lost my job of 27 years, at the age of XXXX, XX/XX/XXXX, and after 2 years, spending all of my life savings of {$150000.00}, still unable to find work, I was forced to file for bankruptcy protection in XX/XX/XXXX. In that filing, IT IS A MATTER OF RECORD THAT I REAFFIRMED both mortgages with Wells Fargo. The industry being in the mess that is was, I never received confirmation letters confirming my reaffirmation on both loans, no matter the number of attempts made. In the entire life of each of these loans, before, during, and after the bankruptcy filing, and continuing to this day, I HAVE NEVER MISSED A SINGLE MORTGAGE PAYMENT NOR HAVE I EVER MADE A SINGLE LATE PAYMENT ON EITHER WELLS FARGO LOAN in almost 10 years of paying the XXXX and XXXX mortgage. Yet, all three credit reporting agencies report that the mortgages were included in the bankruptcy filing rather than reaffirmed. I have contacted Wells Fargo repeatedly, filed credit complaints, provided the history, and Wells Fargo 's answer is that, notwithstanding the fact that I can prove both were reaffirmed, since they never confirmed that fact, they will not correct the record. 
I have suffered substantial and continuing harm from Wells Fargo 's egregious refusal to correct the record, such that my credit scores are as low as in the XXXX 's notwithstanding a perfect payment history with that bank and all others, with the exception of the bankrupted debts which did not include Wells Fargo Home Mortgage. 
Please tell me what can be done to correct this injustice. 
Thank you 

Company response: Company chooses not to provide a public response
Consumer complaint: I was sued me for more money than I owe. My car was sold after the repossession. The sale price was not deducted from the balance. The statute of limitations has expired and they have garnished my pay check. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I refinanced my mortgage held by Bank of America, with another lender. B of A loan was paid off XXXX/XXXX/15. On XXXX/XXXX/15, knowing the loan was going to be paid off, I removed my authorization for automatic payments on the B of A mortgage. On XXXX/XXXX/15, they made an unauthorized withdrawl from my account for the already paid off loan. They told me it would be refunded ... in 10 days, along with my escrow balance. How nice of them, to steal from me and use my money for 10 days before returning it! THIS IS FRAUD AND SHOULD BE PUNISHABLE AS SUCH! They had no problem closing my account immediately, as I was no longer able to access my B of A mortgage account online as of XXXX, so I could not verify what other charges they put through. I 'll have to wait to see my final statement, in 10 days for that. Also, in the refi process, I was charged a {$30.00} fee for an 'expedited ' payoff balance 'expedited ' meaning via email ... if they paid postage to mail it, it would be free! Just more XXXX that should be regulated. I researched at the time, and their website said the payoff could be updated at no addional charge, and that they could not give a payoff balance to anyone without my approval ( well, this happened XXXX )!. The payoff balance apparently expired on XXXX, and I was charged an additional {$30.00} for the new lender to get another one. I called and was told there is a charge for each payoff balance processed. cost me {$60.00} for them to say what is owed, and then, they take an additional {$1600.00} of my money anyway, so the actual payoff total was meaningless!!! I am requesting a refund of {$60.00} pay off service charges for their fraud, and hope there is legal action that can be taken to prevent similar situations in the future. It wo n't happen to me, as I will never do business with Bank of America again. 

Company response: Company chooses not to provide a public response
Consumer complaint: Case number : XXXX Case Number : XXXX in reference to previous complaint listed above Penn Credit today just sent another demand for payment after no communication of 3 months upon receiving notice and verification that this debt was paid by XXXX services for both XXXX XXXX and National Grid and I am now repaying social services. I had uploaded all relevant documents on your website, Including asking for debt verification from Penn Credit via certified mail. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Dispute Over Inquiries on TransUnion Credit Report- Unauthorized AccessI contend that all of the inquiries made by TRANSUNION INTERACTIVE, XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX CA XXXX, on my TransUnion Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent TransUnion credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have my home loan with Citi mirtgae since XX/XX/XXXX my house has been worth less ans less every year since then at one point about half its original value. I have made all my payments on time and never missed a mortgage payment. They adjusted my rate XX/XX/XXXX to a lower fixed rate but my house is still under water. Im thinking qbout walking away drom my loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I bank with WellsFargo and they constantly charge me NSF fees unlawfully. I had a debit post to my account on XX/XX/XXXX and then somehow I was charged a XXXX dollar monthly fee and then they charged me an NSF fee after the payment already posted. They constantly credit cash after they debit my account. The bank teller actually gave me XXXX dollars less when I made a withdraw at the bank the other day. This bank is just a bunch of thieves! 

Company response: Company chooses not to provide a public response
Consumer complaint: Received a call from XXXX XXXX on XXXX/XXXX/2015 from Arnold Scott Harris debt collector. I was not aware of the outstanding debt for XXXX ride on XXXX/XXXX/2015 from XXXX XXXX. I never received a bill and XXXX would not give me any information regarding how I could get a copy of the bill. I searched and found the number of the XXXX XXXX XXXX and talked to XXXX. She verified that the address XXXX city ) they had on file was incorrect which explains why I never received a bill. She also said she could not send me a copy of the bill and told me there was nothing XXXX XXXX XXXX could do. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I would like to file a complaint against Bank of America XXXX XXXX Department. With property value dropping below original Mortgage, Bank of America sold my 1st. Mortgage, knowing that I would not be able to refinance nor get a Loan Modifcation once the 1st and 2nd Mortgage was with XXXX different Lenders. In XXXX XXXX Bank of America received my Loans from Countrywide. In XXXX XXXX I applied Loan Modifcation requesting that the XXXX loans be combined. Not only did Bank of America kept losing my documents, and claiming they did not receive them. But they also claimed no correspondence received, it took until XXXX of XXXX, for them to process my loan. They only process the 1st Mortgage and never process the 2nd Mortgage. But sold or Transferred the 1st Mortgage in XXXX XXXX to another Lender. When I tried to reapply for various programs such as " Make Home Affordable, XXXX, Harp '' or to Refinance I was told I do not qualify because my 1st and 2nd has to under the same Lender, when there is not have enough equality in your property. Bank of America being a lending institute was well aware of what would happen once they sold the first Mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: account was paid off on XXXX/XXXX/15. Confirmation # XXXX. Need to delete this from my all XXXX of the credit reports. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: Property taxes were not paid via escrow on time. 

Company response: Company chooses not to provide a public response
Consumer complaint: Regions Bank is erroneously reporting a negative bank account in my name to XXXX and possibly XXXX, although they have been notified numerous times of the ongoing identity theft I 've been fighting for over 8 years, and despite the fact that they are fully aware of my fraud and security alerts and recent bankruptcy filing. I 've made several attempts to resolve this issue and am beyond tired of this thing coming up to bite me when I want to open a new financial account. It 's embarrassing and frustrating. This bank has horrible customer service, is not responsive to consumer inquiries/complaints and does nothing to resolve major issues like this. I want this item removed from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, as well as any other agency that compiles personal consumer information, without that consumer 's knowledge, without any verification of validity and that which significantly and negatively impacts consumers ' day to day financial life. Banks, credit reporting bureaus and financial account recording agencies are predators in the financial services industry and I want them held accountable for their unethical and illegal business activities. At the very least, I want any association of my name, social security number, financial account information, driver 's license number, state identification number, past and present addresses, date and location of birth, relatives, friends, ex-spouses, and any other pertinent personal identifying information to be immediately removed, permanently, from the records, files, databases and archives of these sharks. They ruin lives. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received several emails from Ace Cash XXXX. They are constantly harassing me regarding a debt that has been settled in a bankruptcy in XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Freedom Mortgage mailed me an offer to lower my interest rate at no cost. When I talk to the rep he reiterated that it was no cost to me. I received the forms to sign via online and discovered that they are charging interest rate reduction points of over {$2000.00} and including it in my mortgage balance. They pressed me to hurry and sign the forms that would lock me into the obligation. It is very deceptive. NO COST is a lie. They wasted my time and trust. This needs to be address before someone believes them and signs without really looking at what is on the forms. It can be confusing. Please make them stop. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a voicemail about a debt from 9 years ago from a respresentative stating to work for XXXX XXXX XXXX number XXXX XXXX XXXX XXXX. Unsure of the debt I contacted the phone provided and was informed that they were suing me for a debt I apparently owed in 2008 to Kay Jewelers for {$2000.00}. After informing them that I had no knowledge of the debt or have I received any communication of the debt, he informed me that I could no longer challenge whether the debt was actually mind. He then gave me XXXX options to pay the debt. I refused stating again that I can not pay for something I do not owe. He then threated that I was being sued and that my wages would be garnished. Before I could ask any more questions, the representative stated, " Good luck in court '', before hanging up. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by TransitionIn XXXX of XXXX I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XXXX of XXXX. 

I had several accounts with XXXX XXXX, all of which were in good standing until XXXX XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by XXXX, and in fact had a stellar reputation with them and a very good credit rating overall. 

In XXXX of XXXX, XXXX was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. 

Further, XXXX has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to XXXX as well as having my attorney contact XXXX. Ultimately this has yielded " 0 '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims XXXX has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but XXXX consist of even more severe violation of other laws and/or regulations. 

XXXX has consistently incorrectly reported account on all XXXX of my reports in this way and despite supporting documentation to the contrary, the credit bureaus continue to incorrectly report it : '' Doubled '' accounts showing them twice, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. 

Is reporting most accounts as closed XXXX XXXX, even though they should show closed in XXXX of XXXX, which is severely damaging my credit rating. 

Has/Is reporting accounts as " open and late ''. 

the credit bureaus refuse to revise these inaccuracies, and seem only willing to list what XXXX tells them, despite my myriad documentation to the contrary. 

Company response: Company chooses not to provide a public response
Consumer complaint: The borrower was in review for a modification and the bank motioned the court to reset the sale and received the relief it sought as the court granted the bank 's motion and the property currently has a scheduled sale date for XXXX XXXX, 2015. 
This is clearly a violation of 12 CFR 1024.41 as the bank is prohibited from seeking a sale date while the borrower is in review for loss mitigation. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015, I attempted to submit a dispute regarding XXXX items on my TransUnion credit report : XXXX for XXXX Bank and the other for XXXX. I made it all the way to the uploading supporting documents for my dispute and hitting the " submit '' button, but at that time, I received a notice that TranUnion can not process my dispute online and that they would mail me information on how to complete my dispute via regular postal mail because my dispute required a " manual review. " I have made countless complaints against TransUnion and their practices, and as such, they have had me assigned to a " special handling unit '' each and every time I call. In other words, because I am exercising my right to complain about them, they are now retaliating against me by slowing down the dispute process and forcing me to submit my entire dispute by postal mail. 

This would n't be a problem ; however, in addition to their retaliation against me, this also slows down the dispute process and continues to negatively impact my credit file and credit score, as a result of mail time and manual processing, which is a complete lie on their part. 

There is no good reason why I can not have my dispute processed online like everyone else. TransUnion is directly retaliating against me because of the numerous complaints I 've made against them over the years, which now has boiled down to negative, inaccurate information remaining on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Monthly maintenance fees are excessive for type of account. The Health Savings Account managed by Bank of America charges {$3.00} per month for our plan and up to {$4.00} per month non employer sponsored plans. There are few transactions processed and the balances in the accounts may be very low. 

Company response: Company chooses not to provide a public response
Consumer complaint: Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by ExperianIn XXXX of XXXX I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XXXX of XXXX. 

I had several accounts with XXXX XXXX, all of which were in good standing until XXXX XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by XXXX, and in fact had a stellar reputation with them and a very good credit rating overall. 

In XXXX of XXXX, XXXX was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. 

Further, XXXX has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to XXXX as well as having my attorney contact XXXX. Ultimately this has yielded " XXXX '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims XXXX has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but may consist of even more severe violation of other laws and/or regulations. 

XXXX has consistently incorrectly reported account on all XXXX of my reports in this way and despite supporting documentation to the contrary, the credit bureaus continue to incorrectly report it : '' XXXX '' accounts showing them XXXX, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. 

Is reporting most accounts as closed XXXX XXXX, even though they should show closed in XXXX of XXXX, which is severely damaging my credit rating. 

Has/Is reporting accounts as " open and late ''. 

the credit bureaus refuse to revise these inaccuracies, and seem only willing to list what XXXX tells them, despite my myriad documentation to the contrary. 

Company response: Company chooses not to provide a public response