AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We own a home in XXXX XXXX XXXX, FL. It is valued at around $ 550K We took out a HELOC with Bank XXXX it was an interest only loan. When BBT took over Bank XXXX we were at a balance of {$240000.00} we were contacted by BBT and told, " they do not service that type of loan '', " we would be put on a 15 year payout with a 3 year balloon '' " 6.875 % interest '' " that 's the best we can do ''. It was far above what we were comfortable with and we communicated that. We tried to wrap our XXXX and XXXX mortgages together and make it more manageable but do to the low value housing market in our area in XXXX and the balance of the XXXX mortgages we would have had to come up with {$50000.00} to close. We did n't have the money to do that and so we accepted the exorbitant terms. We have remained current for the last three years and paid down close to $ 40K. I contacted XXXX XXXX with BBT XXXX XXXX business lending around XXXX XXXX, XXXX knowing we were set to term on XXXX XXXX. I told her our situation and that the terms of the loan were creating a hardship and we 'd like to combine XXXX mortgages of {$360000.00} and that we had an excellent tenant covering what the combined mortgage would be saving us close to {$3000.00} per month on a 15 year loan. I turned in our financials to XXXX with the exception of XXXX since we are on extension. Although I had our XXXX income compiled I did not have the rest of the accounting done. XXXX said we would not be able to proceed without it. At that point I decided to move over to the residential side and attempt running the loan through that department. Because of new restrictions I was told we would most likely not qualify. That department was also needing our XXXX business accounting complete which we have not completed and are on an extension. So, we decided to let the loan roll on and continue to struggle making the {$2800.00} payment. It is now XXXX XXXX and I have received in todays mail a maturity statement stating {$200000.00} is 10 days past due. We feel we have been unfairly treated since they took over the loan from Bank XXXX. It seems as though their aim is to bring us to financial ruin. Even if they did n't want to combine and add the XXXX mortgage on, why will they not give us reasonable repayment terms? We have never missed a payment. While it 's true we 've been adversely affected in the last few years with less business income we have continued to adjust as needed to meet all of our obligations. We would like to know our rights and our recourse against this seemingly impossible situation. We would also like to request that the original terms of our Bank XXXX loan documents be compared to the new BBT loan documents we had no choice to sign to see if there were any inconsistencies or mishandling in regards to the transfer of the loan. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a credit card with Banco Santander XXXX XXXX which I did n't use for many years, so the balance was XXXX. They collect an annual charge of {$45.00} and maybe that 's ok. but suddenly they started to charge late fees and other fees up to {$90.00} I tried to negotiate with them opening a claim but they declined turn down and charge off the account for just {$90.00}. Practices like that are really abusive. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was behind on my timeshare maintenance dues payments. I owed about {$1200.00} and I paid the past due amount plus the next months payment in full on Friday XXXX/XXXX/2015 on my original creditors website and they accepted as payment in full. The following Monday XXXX/XXXX/2015 I got a call from Pinnacle Recovery Inc. and talked to someone names XXXX. She said I owed about {$1500.00} for the account dues that had been handed over to them. I had not heard from Pinnacle prior to this ever and had already paid my original creditor in full. I explained to her that I had already made payment in full to satisfy the debt and there was nothing more I was obligated to pay. She continued to push the issue and stated I owe them ( Pinnacle ) {$300.00} additional because the account had been assigned to them. I had never heard anything from them or had any contact whatsoever before I made my payment to my original creditor. XXXX called me back about a week later and said that I still owed them the {$300.00} and I said no because the timeline does n't support their statements and I got my payment into my timeshare before ever hearing from them. This company is a joke!!! What do n't they understand about me already paying my debt. I sent certified letters disputing my case and sent emails with the payment confirmation I made on XXXX/XXXX/2015 to show as proof ( see attached documents ). I am really tired of these bottom feeder tactics and have notified my attorney just in case they continue to pursue this. Please see the attached documents showing the timeline of this. Also please note on the Pinnacle Document XXXX attachment the sentence that says " Please do not contact XXXX, The Club regarding this debt until the amount has been satisfied through our office '' I would have gladly followed the correct procedure and paid the debt through Pinnacle but I had already made payment in full to XXXX as seen in my supporting documentation and payment confirmation letter from Worldmark. I am not one to skirt the issue or find ways to be deceptive. I believe in following correct policies and procedures. What I do dispute and have objection too is companies like Pinnacle who try and take advantage of people and not look at the facts. I will not stand for this and and demand this be taken care of now! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have neither claimed or denied the debt. I asked for verification and they claim they had mailed it out over a week ago. I have not received anything in the mail. Now they are calling my work office main line which is totally unacceptable since I told them they could reach me threw my cell. I have not received any new calls on my cell from this company and now I am taking legal action to get these calls to stop at work. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed this debt several times in which this company was sent a certified letter requesting validation of debt that supports their claim that I indeed owe this debt and the amount in question. Reporting this without the info requested is defamation of my character and it is affecting my ability to enjoy good credit. The FDCPA states I have the right to ask and receive the information that they have yet to furnish to me. I received a certified letter from Receivable Management yesterday that contained a copy of the letter I sent to them which I have attached to this complaint. By law reporting this debt without proof is a violation. I have also attached a copy of my credit report which is dated for today 's date and XXXX XXXX is still reporting it and I 'm not happy. I 'm requesting your assistance in helping me to resolve this matter fairly and quickly. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I had a XXXX XXXX in XXXX 2013. I had no medical coverage so I applied for grant coverage for the hospital bill. I had outside bills such as the doctor, XXXX and XXXX. I paid the bill of {$1700.00} to the XXXX. I called the phone # given to me from the collection dept. When I called that number they said they could not look me up XXXX the bill is sent to collections but if I wanted to backtrack to call the hospital. I did that but only got the answering machine and left a message. I have not heard back from them yet. Another issue is I have moved XXXX since the time of XXXX and have left forwarding addresses. I never received a bill or letter stating I owe this amount and why. I am signed up with Credit Karma and they alerted me by email that there is unfavorable activity on my credit report. That is how I found out it was Chapman Financial who turned me over to collections. I looked up their phone # online and called them. I just received a letter for the collections yesterday. What is the best way to dispute this and get it off my credit report? 

Company response: Company chooses not to provide a public response
Consumer complaint: I got XXXX and was off work for a couple of months and we got behind on the mortgage so I wanted to do a modification and went through the process we sent in all our information and waited on their response. Finally we got a letter in the mail informing us that our mortgage payment has went up over XXXX dollars a month for the rest of the loan. Our payment went from XXXX to XXXX for the remainder of the loan. We were told to pay the new monthly payment or they will take home. After talking to many different people asking why our mortgage has went up someone finally told me that after looking at our finances they determined that we could afford the make the higher payment and if we could n't we would have to do a short sale or get our home taken. This is the WORST mortgage company in America!!!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: ARS received a request for debt validation and to cease communications by phone on XXXX XXXX 2015, I have a copy of the signed receipt of the letter. XXXX XXXX XXXX 2015 they began to attempt phone communication again and still have n't validated the debt. Per the Fair Credit Reporting Act they are not to be attempting phone contact since 1 ) the validation still had n't been given and 2 ) they received a written cease letter. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Water came into my kitchen from a broken pipe at XXXX XXXX XXXX XXXX. XXXX, GA XXXX. I share a wall with this townhouse. The address is a foreclosure and XXXX XXXX XXXX is the mortgage holder now. I have been fighting this issue since XXXX 2015. My only contact at XXXX XXXX is XXXX. She has at times been friendly, sometimes hostile but never comes through with a solution. I feel as though I am being ignored. I do n't know if I have mold growing under my linoleum or in the wall. The water continued to come in for a month because there was no way to enter the house and everyone I contacted blamed it on someone else. I hired a plumber who told me it was coming from # XXXX. He could reach into a broken section of their garage and could feel the standing water. Finally the original mortgage company, XXXX XXXX, sent out XXXX men who entered the house and fixed the pipe. On XXXX/XXXX/15 an inspector was at # XXXX. He would not tell me who sent him, but only said they wanted to know what the lady next door ( me ) was complaining about. He said there was a leak in every room and possibly black mold in the sunroom. The roof at # XXXX has been soft for years. The hole in the roof over the sunroom has been there for more than 6 years. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have had a horrible experience with my mortgage from BB & T from the start. However, this latest issue has really frustrated me. My intention from the start has been to pay {$1600.00} towards my loan, XXXX a month. My monthly payment is around {$2700.00} and the remainder is to be used to reduce the principle. The reason why I am paying XXXX a month is to reduce the interest that accrues on my loan. After contacting the bank today, I learned that they do not apply my {$1600.00} payment to the balance of my loan until the full monthly payment is received. The money sits in a " suspense account ''. Therefore, I do not pay less interest at all. However, BB & T has my cash that they can use to invest and earn profits for themselves!!! Their customer service told me that their system is not set up to support bi-monthly payments. 
However, on top of all of that, BB & T sold my personal information to multiple organizations. Since closing I have received multiple letters in the mail from different companies offering to help me pay my mortgage and suggesting that I consider making bi-monthly payments because it will reduce my overall lifetime mortgage cost. It is just wrong that BB & T does not offer bi-monthly payments to their customers but will sell your information to other companies offering to do just that! 

This is just a fraction of my issues with BB & T. In addition, they lost my original loan paperwork with all of my personal information on it. To date I have received no follow-up on that issues, so as far as I know it 's still lost. And, I had a horrible experience with my mortgage loan officer who was incompetent and incredibly rude. I would refinance in a heartbeat if it were n't so costly! 

Company response: Company chooses not to provide a public response
Consumer complaint: The company has failed to properly update my credit report to state that this account is included in a bankruptcy filed in 2012. They continue to report inaccurate information, 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I contacted National Credit Systems to attempt to resolve my debt at an apartment community I use to live at. XXXX XXXX, the representative over my account was obscene, being rude and stating that she was n't trying to hear me say what was legal because I am not a lawyer. She then transferred me to her manager, or supervisor, voice mail. I left him a voice mail. Then I called back to ask if a different rep could be assigned to my case and the operator informed me that no that could not be done. She gave me the manager and supervisor extension ( XXXX XXXX XXXX XXXX XXXX ). I left a voice mail with XXXX of them also. I am trying to resolve this debt before it hits my credit and XXXX XXXX is not allowing me to do so because of her disrespect and non cooperative attitude and behaviors. I have read the laws governing fair debt collection and consulted with legal counsel regarding it. XXXX XXXX told me that even if I was paying on my debt since it was n't auto drafted from a checking account it would not stop it from being reported to the credit bureaus. This is a violation and unfair credit practice. The call was monitored and recorded so there is proof. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Ftc case # XXXX, XXXX/XXXX/2008 states that reporting of tribute XXXX ( compu credit ) by XXXX party collections is prohibited. I have sent this documentation and a request for removal per this ruling to XXXX XXXX XXXX. They are refusing to remove this trade line after receiving sufficient information supporting the request for removal. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied for a XXXX XXXX Visa Signature credit card in XXXX. At that time, they advertised the card as offering a " Bonus Award Night ''. This means on award stays of XXXX+ nights credit card holders receive XXXX XXXX free. Less than two weeks after my application, this benefit was canceled starting XXXX XXXX. There are other, smaller, changes as well. All of this took place in less than three months after receiving my card and paying the annual fee. 

I have not even had the chance to earn the points promised to me for hitting minimum spend requirements of {$2500.00} before the benefits associated with such points have been taken. In short, I feel US Bank was deceptive with their advertising and dramatically reduced promised benefits with such little advance warning as to make the situation resemble a bait-and-switch offer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was called by the number XXXX. I was asked to verify my name. I did. I asked who was calling. They did n't answer the question, but instead asked me to verify my social security number. I told them I was not giving some stranger on the phone my security number if they would n't even tell me who is calling. 

The caller ( a woman ) rudely said she would " mark on my file my failure to cooperate ''. She then hung up. 

I looked up the phone number on the internet and it belongs to Medical Revenue Services in Florida. 

" Failure to cooperate '' should NOT be listed in any file pertaining to me when the caller FAILED to identify their identity to me or why they were calling. I feel this is a fraudulent practice and such practices should be ceased! 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo Bank allowed charged and account changes despite my calling and telling them my account were compromised. My Credit Card provided a line of protection and unfair and excessive fees were assessed, although sometimes waived in my favor. The bank was informed of a stolen debit card, and was supposed to replace the funds in a timely manner. After account numbers were changed at my insistence, the bank penalized me by closure of my accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: On what I think Was approximately XX/XX/XXXX, I got a call from USAA telling me that I had an outstanding balance on a credit card that was closed in XX/XX/XXXX. The balance was for {$14.00}. They told me that the card originally had XXXX cents and had accrued interest over the last 8 years. I told them that I had closed that account. They said that it was their mistake and credited my account the {$14.00} and closed the account. I asked them if this was going to affect my credit rating and they said that they were n't going to report it to the credit agencies. the following monday I got an alert from XXXX XXXX saying that my credit score went from XXXX to a XXXX. Not only did they not contact me for 8 years to settle the account, but they assured me that the outstanding balance was their fault and that no credit reporting would occur. I feel that I have been unjustly treated and my credit score should n't be affected. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The collection rep advised I was able to take apart of a payment method via Credit card, when I called back to make the payment with the same payment method i was advised I could. The rep advised he never said I could make the payment with that method. I was unable to make the payment. I have requested to pay off and or get it dismissed due to their negligence**they did n't threatened to take legal action but the option I needed was not listed 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Transunion Credit report # XXXX : The nbr of inquiries on my credit report is wrong. Transunion said I was unable to file a dispute on the nbr of inquiries. I tried online and I tried phone calls. I applied for and received a car loan last XXXX. I talked with XXXX dealer, whom shotgunned out my credit inquiry within a XXXX day period. That should have counted as XXXX inquiry and not XXXX. I currently have XXXX inquiries which is hurting my score and I should only have XXXX. All the other credit reporting agencies have the correct amount. 

I dont understand how Transunion can play by different rules than the other credit unions. Please help. They refuse to help. 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2007 my ex-wife and I divorced. I had XXXX vehicles under my name which were with XXXX XXXX XXXX as the cosigner, and Bank of America which I was the primary. The divorce proceedings lasted almost two and a half years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both XXXX and BoA gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after seven years has past from the XXXX deliquent reporting which was XXXX 2007 for BoA, and XXXX 2007 for XXXX. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The XXXX years has now past, and I have disputed the information with all three credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XXXX and XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the seven years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the XXXX delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Bank of America acct # XXXX # ending in XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My complaint is against Monterey Financial Services XXXX Inc. in California. There are several problems with this company and their fees. I was charged a no sufficient funds charge of {$30.00} in XXXX XX/XX/XXXX. I immediately called my bank since I knew the funds were in my account. The bank said no request for payment was ever presented. I called this organization and they would not budge off the premise that I owed their fee. Additionally, they charged me with another {$15.00} which totaled {$45.00} plus my regular monthly payment of {$220.00}. I paid these ridiculous fees so I could be from under this debt as soon as possible. On XXXX XXXX, XX/XX/XXXX I scheduled what I thought would be my last payment. When I checked my account on the following Monday it showed a remaining balance of {$1.00}. I wanted to be away from this account as quickly as possible, so I wanted to pay this off. I was afraid to mail since I felt they would not be honest and post to my account so they could charge more fees. I tried to pay online where I knew they would charge an additional {$10.00} but I was kicked out of the site. On Tuesday, I decided to call to make the final payment and their phone system stated that I owed {$16.00}. I paid the fee so that I would have a {$0.00} balance. My complaint is after 24 months of dealing with this company I have paid a total of {$270.00} in what is listed as " other '' fee since I wanted to pay online so that my account would be credited on the day I paid. It seems to me all of these additional fees and how they collect them could not possibly be legal. They charge {$10.00} for late fees and {$10.00} for paying online and then they slid in the phony returned payment fee of {$30.00}. To make matters worse they are showing my last payment as a write off and not as a final payment nor do they show the {$16.00}. They show {$1.00} was the balance the day I paid the account in full. 

Company response: Company believes it acted appropriately as authorized by contract or law