AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We are XXXX citizens, and my husband made a payment and by mistake he over paid Them by over XXXX dollars. We have contacted them on several occasions asking them to please cut us a check we need that money returned and have been told that they ca n't they have so follow guidelines and we have to wait a month or more to get it back. Mean while they are collecting interest on our money and we are short money on our end. That seems very unfair. If we would n't pay them we would have to pay them a penalty. Is that rule reversed if that pertains to them withholding our money? Please look into this for us we really need that money back Thank your, XXXX and XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: RE : Obligation owing to Citibank , N.A . / CITI MASTERCARD Judgement Case No. XXXX Account number ending in XXXX Current balance : {$3600.00} SETTLEMENT OFFER # 1 FOR {$2100.00} ACCEPTED AMOUNT PAID IN FULL ON XXXX/XXXX/2016 METHOD - CHECK BY PHONE On XXXX XXXX, 2016, I spoke with XXXX XXXX, a negotiator at XXXX XXXX XXXX XXXX, regarding this matter. I accepted the lump sum payment settlement offer of {$2100.00}, and paid the amount in full over the phone ( check number XXXX ). I have enclosed a copy of the statement which was sent by XXXX XXXX XXXX XXXX, selecting option 1 as instructed by the negotiator. I received a Locator confirmation number of payment in full, which is XXXX. 

I have fulfilled all requests made by XXXX XXXX XXXX XXXX. By doing so, I was informed that this judgement will be removed from my credit, and that I would receive a copy of a " Release of Judgment '' by way of mail. My credit is important to me. Paying my debt is equally important. 

As of today, a Satisfaction Release of Judgement letter has not been sent to me, the court system still show the judgment is unsettled, and all credit reporting agencies show that I still owe for this judgment. 

I am trying to do my part as a productive citizen. What good is it to pay my debts, if my credit is still in ruin? Please help me. 

Thank you. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Today I received in the U.S. Mail a letter from " Experian '' dated " XXXX XXXX, 2016. '' Under the " Address '' section of my " Experian '' credit report it lists a false address of " XXXX. XXXX XXXX ; XXXX, California ; XXXX. '' I have never lived in " XXXX, California '' nor I have ever own a " XXXX. XXXX XXXX '' in " XXXX, California '' nor anywhere else in California! I am the victim of Identity Theft. I had written to " Experian '' about " Deleting '' this " XXXX, CA '' false address over 30 days ago, all to no avail. 

Company response: Company chooses not to provide a public response
Consumer complaint: Charged another overdraft fee for a XXXX overdrawn balance overnight. Subscribed to overdraft protection through a linked credit card. Overdraft protection was not provided. Was assessed a XXXX XXXX fee for being overdrawn, even with overdraft protection in place. One again, transactions were ordered in order to facilitate an overdraft. 

Completely nonsensical issuance of the fee. Balance was allegedly negative XXXX, but with the overdraft fee, the account was only overdrawn to negative XXXX XXXX, thus indicating that there was a positive balance in the account. This is wholesale fraud and clearly the result of reordered transactions. 

The account was not overdrawn, since a XXXX penalty only resulted in a negative XXXX balance. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I do n't want them to contact me any more as I do n't have an account, a sign contract or any kind of debt with this company. 
I told them to stop contacting me and they just keep sending me collection letters and ignoring me 100 %. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: NONE of the above ... It 's not our credit issue. We have been repeatedly receiving phone calls for someone we have never heard of. The message left on our machine is absurd that it says to hang up if you are not the person ... .how does an answering machine hang-up if someone is talking? The company then goes on to talk about collecting the debt. I happened to be home & actually pushed '1 ' today & the system hung up so I called the number given XXXX. And the person was a smart aleck and hung up on me. I called back & no one said anything other than to identify the company as ATG Credit. I told them to figure out my number & never call back or I would be filing a complaint. Not even 2 minutes later my phone rang again from ATG Credit & the number XXXX. I called that & once again I said I would be reporting them. I just checked through all of my call history. Between these XXXX phone numbers we have had 11 other phone calls going back to XX/XX/XXXX. No one in our household have ever heard of this company, dealt with anyone with this company nor have we heard or know the person they ask for. We have had this number for about 10 months. It is our home phone that we give out to NO one. All contacts with us are with our cellphones. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I called to get a forbearance on my student loan because I have been taking care of my grandparents due to their failing health. I called on XXXX XXXX and they told me to call back as soon as I had my good faith payment {$150.00}. I called back on the XXXX with my payment and was told I was past due and could n't have a forbearance. I was not told of a deadline to call them back. Both of my grandparents were in the hospital so that is why it took me 5 days to call back. Now they forced me to pay {$590.00} that I do n't have because they said there is nothing they can do. If the mistake was made on their end I should n't be the one that has to make this payment. They refused to work with me at all. It was my understanding that student loan lenders were suppose to work with people that are trying to get a job. I attended The XXXX located in XXXX Kansas. I graduated XXXX 2015. I am currently looking for work as well as taking care of my grandparents. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My name is XXXX XXXX XXXX. I am an XXXX military XXXX. In XX/XX/XXXX, while I was stationed at XXXX XXXX XXXX XXXX, XXXX, XXXX, I purchased my first home in my career. It was financed by Country Wide Home Loan, which was later taken over by Bank of America. Everything was going fine and I had no issues with monthly mortgages until I was notified I will be reassigned to Overseas military base in XXXX in XX/XX/XXXX. I was n't expecting to move so quickly after I purchased my first home, but military needed a person who spoke Fluent XXXX Language at XXXX XXXX XXXX, and I was selected to go. I tried for 6 months to sell the house, but could n't find a buyer. I was willing to take $ XXXX loss, but still did n't get any offer. As soon as I arrived in XXXX, I lost my XXXX allowance because I had to live on base housing. Since I no longer was receiving monthly housing allowance, I asked Country wide and Bank of America to refinance my loan. I just could n't pay {$2300.00} monthly mortgages when XXXX allowance was stopped and requested Country Wideif I could pay {$1500.00} dollars monthly instead. My offer was rejected. Within 20 months my house was foreclosed XX/XX/XXXX. My questions to CFPB is : Are there military clauses which should have protected me when reassigned to XXXX military installations. Also is there any way to verify Country Wide and Bank of America Foreclosed my home properly. 

Company response: Company chooses not to provide a public response
Consumer complaint: After logging in online on XXXX/XXXX/2016 and previous being logged in online through my account on XXXX/XXXX/2016 I noticed that Amazon Credit Card ( Synchrony Bank ) had lowered my credit limit from {$600.00} to {$100.00}. Which is very funny seeing that I just had their card security make a payment to pay the prior balance of over {$700.00} as a debt cancellation just two days before and that posted on XX/XX/XXXX. Well on XX/XX/XXXX even though the statement generated on XX/XX/XXXX shows available of {$100.00}, it still showed I had an available credit limit of {$600.00} and - balance on my account. Well when I woke up on Sunday to make a purchase I noticed I only had a {$100.00} limit I immediately called them and spoke to a manager who informed me the reason that my account limit was lowered was because of the claim being filed and the account being paid off by card security. I asked her again how is that fair that something that is there to protect someone 's credit causes them to have negative effects on the credit when they use it. She then changed her story stating that the limit was lowered because after the payment a new credit report was pulled and that the decision was based on factors that were obtained from that report and that this is something that Synchrony randomly does but has never done in the time I have had the account and also they have pulled my credit prior to XX/XX/XXXX because I had tried to get a credit increase and it was denied because of credit at that time, so that theory of randomly being selected should be knocked off the list of why my account was lowered. This is the company 's attempt to fault customers when they use the card protection on the accounts they have with Synchrony Bank and they are using excuses of random credit report checks, or your pay history ( which before the event happened was paid every month ) to justify lowering a customers credit after they use the account security and something should be done about this because if you research it online there are XXXX 's of other customers this has happened to after using card security and they continue to get away with this. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I need some assistance with my foreclosure sale date scheduled on XXXX/XXXX/16. I am already in review for a loan modification and have given all the information that has been asked of me for the review. I just need help getting the sale date postponed. 

Company response: Company chooses not to provide a public response
Consumer complaint: Re : XXXX XXXX, XXXX Debt Amt : XXXX Paid, Settled Amt : {$1400.00} Reason : Has not removed lawsuit submission, has not sent a letter that the account has been paid, settled, continues to bill me for {$1600.00}. 

I found out about this debt while looking up my name in the XXXX Superior Court case information website. 
I contacted XXXX XXXX, XXXX ( phone number listed on case XXXX ) and was connected to a representative, who threatened that legal action would be pursued if this debt would not be cleared. She stated that XXXX XXXX XXXX would accept a negotiated amount of {$1400.00} to clear this debt, if it was paid in 2 days. 
I paid {$1400.00} to XXXX XXXX in XX/XX/XXXX, over the phone. 
XXXX XXXX XXXX stated that they would send a resolution letter within 1 business week, stating that the account has been settled. They also stated that the lawsuit would be dropped. This is the 3rd business week, and I have not received a resolution letter & the lawsuit is still in place. Three weeks after settling this account in full, I received a letter stating that I still owe {$1600.00}. When I called XXXX, they could not provide answers regarding both the lawsuit and the correspondence letter which was suppose to be sent. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Received a letter to collect on a debt for toll road charges and the letter sent does not have the 30 day validation disclosure, does not state the mini-Miranda disclosure. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My client has been trying to lodge his Enduring Power of Attorney ( EPOA ) from XXXX to enable him to operate his wife 's XXXX Bank Account with Wells Fargo. His wife has XXXX XXXX and is unable to operate this account. After making a complaint through yourselves in XXXX 2015 ( Case Number XXXX ) Wells Fargo advised that the EPOA had been accepted, however when the second Attorney attended branches in both XXXX XXXX and XXXX, she was told that the EPOA does not comply with their rules and in fact they would need the original XXXX document ( which they have ). 

Company response: Company chooses not to provide a public response
Consumer complaint: The Payday loan lender QuikCash XXXX MO contacted my friend about my payday loan and gave him explicit details about my loan. When I got it, how much I owed, and told him that he should help me pay it. This is unacceptable behavior as this is personal information. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased a home in XXXX XXXX. In XXXX XXXX, my mortgage was sold to SLS. I immediately began getting threatening letters from SLS about " inadequate insurance '' and was told I must make arrangements for coverage or face fines / litigation. According to the terms of my loan, property insurance is paid through my escrow account, however I have concerns that SLS is not acting within the law regarding collection and distribution of escrow funds. I did some further research and discovered that SLS has a reputation for such unethical activity. I am now in the process of refinancing with a reputable company, am worried about what SLS 's misbehavior will do to me financially until it is no longer my mortgage servicer. Please investigate and let me know what steps I should take to address this issue. Thank you 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: a dept. was put on my credit report by XXXX XXXX apartments in XXXX TX and then given to a collection company for collection and they put it on my credit report, I paid it so it did n't hurt my credit have written them to ask for proof it was mine they said then did n't have to give it to me it would just stay on my credit I also wrote all collection companies they said I needed to contact collection company no one wants to prove what THE SAY AND XXXX XXXX APARTMENT SOLD SO A DEAD END THERE I am XXXX years my home is paid for I have never lived in XXXX tx or signed for anyone there. can you help me 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have had a Bank of America credit card for about 8 years, and the minimum payment used to be around {$45.00}. Over the years, every time I used the card the minimum payment went up, and by XXXX the minimum payment was {$220.00}. Unfortunately, my mother-in-law died on XXXX XXXX, which was the date on which my credit card payment was due. I missed the date by four days, and made a payment of {$320.00}. Then I received a bill for a minimum payment of {$460.00}. I think that this Bank of America financial policy is abusive, fraudulent, and illegal. Can you please do something to help me? 

Company response: Company chooses not to provide a public response
Consumer complaint: There are XXXX accounts on my report that have passed the reporting time limit. The accounts are XXXX BANK Account no. XXXX and Account XXXX ... .. Charged Off. These accounts have been deleted off my XXXX and XXXX reports. I have contacted Experian by mail asking for these accounts to be deleted and they have n't. They would n't allow me to file a dispute case online indicating these items have disputed before. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I split our mortgage payment. We XXXX made our payment, but mine was dated with last year 's date of 2015. XXXX mortgage sent my portion back stating it had the wrong date. I immediately bill paid the payment. I received a late fee of {$79.00} because my half of the mortgage payment was past their grace period. I tried to contact them via phone, but there is automated systems only. I contacted them via email explaining that my payment was n't late it was on time they returned it. That does not seem legal to me. Please advise me if this company can charge a late fee when they in fact receive payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was charged an overdraft fee by Bank of America, even though when I checked my account online it was not overdrawn until after the fee was applied. When speaking to a Manager on the phone, I was informed that it was a specific transaction that overdrew my account. Upon hanging up, I immediately checked my account to find that, according to my mobile banking app, that transaction left me with {$55.00} in my account. This is not the first time Bank of America has charged me an overdraft fee when the only charge that put me below a {$0.00} balance was the actual overdraft fee. This is, however, the first time they have absolutely refused to refund me my money. It was suggested that I explore " keeping a check ledger. '' It is also convenient that {$50.00} transferred from my online savings account, which stated they 'd transferred the money on XXXX/XXXX/16, did n't appear in my Bank of America account until XXXX/XXXX/16 - after they 'd charged me the fee.I suggest that Bank of America not charge people for overdrafts that have n't actually occurred. 
I have opted in for an email notification anytime my balance goes below {$25.00} or is overdrawn. However, at XXXX XXXX I was charged for an overdraft but was n't notified via email by BoA until XXXX XXXX. 
Any help you can offer is appreciated. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: When I was in college I moved around alot. My identity was stolen using cards and other information that came in the mail. I had opened an account with Suntrust and they sent my card to one of the old addresses. Someone tried to use my card and Suntrust then placed a fraud alert on my account. I contacted them and told them what happened and they would not remove it. They will not even send me a letter or anything telling me if I owe them or not. This is causing me a lot of pain and suffering. I have not been able to open an account anywhere! They will not even allow me to dispute it. I have went through XXXX XXXX XXXX and they are still no help. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was doing some phone shopping for the best refinance rate I could obtain. In preparation for my refinance, I had paid down/off credit cards in order to boost my FICO higher. Several lenders were able to give me a 'good faith estimate ' based on what I communicated my personal information to be ( i.e. FICO, income, DTI ratio, etc. ). One of the lenders I was talking with was Cardinal Financial. I was just about to formally proceed with another lender, when it was brought to my attention that Cardinal Financial had actually pulled my credit ( via XXXX )! At no time did I authorize either verbally or in writing, consent for them to pull my credit. Their illegal pull of my credit caused my XXXX to go down, added an inquiry to my credit report, and ultimately caused me to postpone my refinance. This was back in XX/XX/XXXX. They are 'trying ' to remove the inquiry from my credit, however, it has not been done to date. Rates have increased, so I will not be able to obtain the rate that I was going to lock in last month. By refinancing, I was going to reduce my rate and eliminate mortgage insurance which would have reduced my monthly payment as well as significant reduce the amount I paid over the life of the loan. Cardinal has apologized for 'the stress and frustration ' they have caused. What they did was unlawful and has caused me financial harm. There are regulatory requirements that lenders MUST follow, and obtaining a potential borrowers authorization to pull credit is one of them. I feel some type of restitution is warranted. 
Businesses need be penalized when they fail to follow state, federal, or regulatory laws. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Spoke with the case manager today XXXX XXXX about the Judicial Sales date set for XXXX XXXX .... All paperwork was submitted more than 37 days before the foreclosure sales date.. Asked XXXX why is the date still valid ... Due to the fact the paperwork was submitted more than 37 days before the sales date .... XXXX informed me the banks policy states they can keep the date up to 1 week before the sales date " Just In Case '' a modification is not feasible .... I stated this is illegal due to the new rules ... XXXX proceeds to say " What If I Do n't Accept The Modification or Ca n't Qualify '' the Bank will still have that date looming over my head so I will be forced to accept what ever terms the underwriters decides ( this is the conclusion I was able to understand according to what XXXX XXXX was trying to explain only what was written in quotations is what XXXX actually stated ) Included in the submitted documents I copied all the CFPB rules to ensure no confusion would occur unfortunately some sort of misinformation still takes place at this time .... 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX and TransUnion are reporting an installment account with XXXX XXXX as a Joint contractual liability, I do not know what this account is nor did I ever sign any documentation with this company. I have disputed it several times and as you can see the credit reporting agencies just writes in the comments " customer disputes but resolved '' this issue was never resolved? I received no validation documentation of what this is nor where my signature is nor that this account belongs to me, as it does not. If no proper support has been provided to the Credit Agency this accounts needs deleted from my account. Please see account comments listed on both XXXX and Transunion as a result of my disputes. Again, I received no validation documentation and have no clue how either company validated this debt as I have never heard of this company nor had any joint contractual liability in that time frame. 

Company response: Company chooses not to provide a public response