AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had a credit card with XXXX who sold to XXXX XXXX. The limit was {$400.00}. They began charging a fee each month and all was fine with my payments until I was diagnosed with XXXX and had to go through surgeries and treatments. I got behind and filed my creditors with Consumer Credit Counseling, this credit would " not '' work with them and continued to charge me {$35.00} a month for late fees so now I owe like {$800.00}. I finally worked out an arrangement with them to take a payment each month to try and resolve this debt and they took two or three payments from my account. I planned on {$45.00} begin taken from my account on the 3rd or 4th payment but they attempted to charge me {$70.00} and I did not have enough money in my account to cover so the payment was returned. When I called them they said I agreed to pay {$70.00} after the 2nd or third payment, I do n't remember and I said I ca n't afford that, and asked for them to take less but they said no. Now they are saying that I wrote a bad check ( and I did n't ) and then they said I gave them fraudulent bank account information ( but I did not ) I called to speak with XXXX telling him that I was having problems and considering filing a Chapter XXXX and in the middle of this conversation a man got on the phone, said he was the manager and begin yelling at me and when I would n't bow down to him, he hung up. I continue to receive phone calls from XXXX, XXXX and now a recorded message from XXXX XXXX and they continue to say that I wrote a bad check of provided bad payment information and that this is illegal across state lines. The only thing that I am guilty of is not having enough money in my account to pay what they require I pay and for not being able to include them in a CCC plan payment. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was considering refinancing my home and entered my information online to have various mortgage companies contact me. One that did was First Direct Lending in XXXX, CA. When they called, I spoke to a person named XXXX XXXX While attempting to get the rates I would qualify for, XXXX said the only way that he could provide those rates was to do a " soft credit '' check with XXXX credit bureau. I inquired as to what that is and how it would affect my credit score ; he said it would not affect it because it is treated as an " inquiry. '' Therefore, the only way for me to get this rate was allow XXXX to do the " soft check. '' After receiving the rate, I told XXXX I would think about it and that was the end of my contact with XXXX and First Direct Lending. 
ON XXXX/XXXX/2015, I received a letter dated XXXX/XXXX/2015 titled " Statement of Credit Denial, Termination, or Withdrawal. '' I did not understand why I received this letter because I did not apply for credit or the mortgage loan ; again, it was only a " soft check '' per XXXX. 
I have called XXXX at First Direct Lending several times without a response back. On XXXX/XXXX/2015, I spoke to the receptionist and told her my situation and that XXXX was not returning my calls. She then transferred me to a person named XXXX. I also left a voicemail and never received a response. 
I am concerned for a number of reasons with the first being the damage to my credit score because of the denial of credit that I never applied for to begin with. Second, is the fact that I was lied to about the " soft check '' by XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened an account with XXXX XXXX IN 2013. The issuing bank was XXXX XXXX. Shortly after, the account was converted to a XXXX XXXX account. Apparently at some point the account was purchased by XXXX XXXX and converted to XXXX XXXX. I was not aware of this change until I received a bill stating I was past due. I immediately called asking what this card was and was informed of the change to XXXX XXXX XXXX. I explained that had I known the account changed and I owed the balance I would n't have defaulted. I paid the balance in full and was informed the account would be corrected to NEVER LATE and closed. The account should be reported as XXXX XXXX XXXX with a {$0.00} balance and never late. All information they have reported is incorrect and should be corrected and updated immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested a loan estimate from Veterans United Home Loans and received a document with no APR. The quote from them was also missing the loan officers XXXX #. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: They call every day for someone who does not live here. I spoke with them and they said that they would stop but continue to call. It is automated so they just have n't changed their programed numbers to call. 
The person calling is XXXX XXXX, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX XXXX, my wife and I secured a loan with Wells Fargo Dealer Services for a XXXX Scion xD. In XXXX XXXX, I became unemployed. My wife and I were able to continue regular payment until late XXXX, after my unemployment was exhausted. I finally secured part time employment XX/XX/XXXX, and finally full time employment XX/XX/XXXX WFDS did defer XXXX payments XX/XX/XXXX, but we have still struggled through XXXX. Our car was repossessed in XXXX XXXX. We explained the situation to WFDS, and were able to borrow money to reinstate the loan and catch it up until XXXX XXXX ( although we were under the impression that it was caught up to XXXX XXXX ). From there, we were unable to make the next payment XX/XX/XXXX ( XX/XX/XXXX per their records ), but were able to pay {$400.00} XXXX ( a full payment ) and another {$300.00} XX/XX/XXXX, with the next payment stated due XX/XX/XXXX. However, XX/XX/XXXX within 6 months, and the vehicle just over 2 months past due, WFDS decided to repo the car again, and is now demanding full redemption to get our car back. We were quoted {$10000.00} before XXXX or the car is to be auctioned. WFDS is unwilling to negotiate. In fact, their staff has been mostly uncaring, rude, and condescending. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is the second time that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, ( XXXX, XXXX or fax XXXX ) has enlisted Contintenal Credit Control ( CCC ) to pursue payment from me without ever providing a bill to indicating payment was needed in either case. My credit score is over XXXX ( in top XXXX % of Americans ) this does not happen without conscientious attention to XXXX bills. I am about to pursue a loan to fund my portion of an assessment on my condominium and if my credit is harmed due to XXXX malfeasance, I will seek potent remedies. Please help. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I paid my cellphone bill on XXXX/XXXX/15 which was {$210.00}. It posted on XX/XX/2015. I went shopping earlier and I glanced at my balance and notice I had n't spent as much this weekend as I thought. Come to find out my cellphone bill charge had vanished. I call Wells Fargo and was basically told that it 's done that way with larger charges to let the merchant bill it. I asked my larger charges and they said it creates potential for overdraft charges. The put the {$210.00} back in my balance hoping I would spend enough to make it overdraft. 

Company response: Company chooses not to provide a public response
Consumer complaint: My girlfriend paid off a personal loan at Wells Fargo I had. The next month I got a statement in the mail from them with reversed charges and reversed payments which then left a balance on the account that should have closed when she paid it off. That was in XXXX. I just got another statement with a balance of {$460.00}. I tried to get it resolved when the account was paid off, but was told I just need to pay it or it will go on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: 9 months after closing my loan I get a XXXX package. They need me to re do my loan, because them and FHA do n't agree on the appraisal and FHA wo n't finalize the XXXX, so they can resell it to a XXXX party. They expect my payment to go up, me to pay additional closing costs, and for me to get no credit for the last 9 months of payments. I get no phone call, no letter, just a package in the mail and no instructions. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter from a collection agency regarding a medical debt. I sent a letter asking for information on the debt since I had no knowledge. I also asked nothing be reported to credit report until we could verify the debt. I have yet to received ANYTHING from them and it has since been reported to my credit report. I also sent a secured email to them through their website. They stated they could not tell me anything over the SECURE email even though I verified my information through it! They stated they could call me and I advised them they could send me a letter. I have also never received anything from that communication. I feel it is wrong to report something negative to my credit report without allowing me to verify and/or pay the debt once provided with the information. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an agreement to resolve my loan via " deed in lieu ''. 
The loan processor required me to vacate on XXXX/XXXX/15. 
They with held assistance until XXXX/XXXX/15. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Collection agency ( XXXX XXXX XXXX ) garnished my wages back in 2010 collected the amount that was owed and now claims that i still owe them the same amount. They are using the law office of Blatt, Hasenmiller, leibsker & Moore LLC. They sent me a notice of motion I do not know if it is legit or fake. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX/XXXX/2015 -- I received XXXX inappropriate phone calls from the 'debt collectors ' Credit Protection Association XXXX just today! First call was at XXXX - which is outside of the allowed call hours. Then at XXXX - they called me XXXX times in a row. They did not leave a message, just called XXXX times in a row - using up my phone minutes and harassing me. I do NOT owe this company anything and I do NOT appreciate being harassed! I have not received any written communications from this company and I do not know what they is about. -- - Also, upon investigation into this phone number, you will find that they have hundreds of complaints for spamming, scamming, calling outside FDCPA parameter, etc .... they need be stopped. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Dear XXXX ( XXXX ), I requested PMI cancellation from my mortgage server, Loan Care, and paid for an appraisal ( {$390.00} ). The check was mailed on XXXX/XXXX/XXXX and Loan Care deposited and credited the money on XXXX/XXXX/XXXX. After that point, Loan Care failed to order the appraisal and their PMI department refused to speak with me on the phone or via electronic written communication. I attempted to contact the Loan Care PMI department on the following dates ( XXXX XXXX XXXX ) with no progress : - XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX : XXXX and XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX, XXXX, and XXXX- XXXX/XXXX/XXXX XXXX and XXXX XXXX tactics delayed the appraisal required to remove the PMI to XXXX/XXXX/XXXX and has delayed removal of the PMI, costing {$160.00} per month. The delays in preforming the appraisal is indicative of acting in bad faith not in the spirit of the Homeowners Protection Act, 1998. 

The appraisal have been completed and I have made a written request for a copy of appraisal and removal of the PMI on XXXX/XXXX/XXXX. 
Loan Care again refuses communication. 

I desire the following results : -A copy of the appraisal report-Reimbursement the additional month 's cost of PMI ( {$160.00} ) incurred due the delays and repeated communication failures-Removal of the PMIMany thanks in advance for help you can provide. 

Company response: Company chooses not to provide a public response
Consumer complaint: All information on all of the reports from Experian, XXXX, and XXXX Credit Reporting Agencies are based on unconscionable contracts based in Non-Disclosure and Deception by the alleged Creditor. All alleged creditors who entered negative reports to the credit reporting agencies did it without my agreement or consent of my freewill. Which bases those claims in deception and concealment in an attempt to defraud the Living. Alleged creditors have no valid verified Proof of Claim and I rest assured can NOT produce a verified proof of claim. Therefore all negative reports must be removed within 3 banking days. 

Company response: Company chooses not to provide a public response
Consumer complaint: I just checked my credit history and there is a fraudulant charge from XXXX XXXX. I called XXXX countless times over approximately a 6 month period in the hope of getting help because my XXXX had been hacked. Each time I asked them to note my account that I called and what the problem was. I usually keep my bills on auto pay, as was this account, until I started seeing charges double or more of what I owed. I talked to the fraud dept. at XXXX 3 times, yet nobody opened a case. I talked to customer service about the issue and asked to speak to a manager several times, and every time I was told there was n't a manager available, but they would have XXXX call me. Nobody ever called me or tried to help at all. I finally called and told them to take the account off auto pay since nobody there cared to fix the problem. I have had service with XXXX for many years and I always had them on auto pay so there was never a late payment. I never pay any of my bills late. I literally spent hours and hours on the phone over the course of several months trying to get someone there to care enough to help. I do not owe them any money and am disputing that any negative information on my account is incorrect. Thanks to their lack of caring or helping, they lost a very long time customer for good. Please tell me what to do to get XXXX and a balance I do n't owe off my credit records. 
Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Turned down for credit they are so many names on my report. My name is XXXX XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: US department of education loans were taken over by XXXX and now they both appear on my transunion credit report, and the US department of ed XXXX appears under collection from 2011 even though I have been making the regular payments. XXXX and XXXX are not showing this. It 's impossible to speak to any representatives at Transunion because their phone system does n't recognize when you dial your choices. I have started an investigation online. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed XXXX $ owed from a checking account in my chapter XXXX bankruptcy that was discharged almost 20 months ago. us bank is still reporting this as money owed by me in the XXXX. This is preventing me from moving forward financially and becoming a member of any bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone got the hold of my credit card number and used it to fraudulently acquire items from several merchants. The total amount of the fraudulent purchases is {$7400.00} ( {$7100.00} with XXXX XXXX XXXX in XXXX on XXXX XXXX, 2015 and {$310.00} with XXXX XXXX on XXXX XXXX, 2015 ). Although I live in XXXX, my wife and I were out of town when those fraudulent charges were made. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage was being serviced by GreenTree. I am trying to sell my property, so I requested a payoff, due to the fact I was doing a short payoff with my Second Mortgage because my XXXX was more than my First mortgage. On XXXX/XXXX/2015 my last statement with GreenTree stated that my amount balance was XXXX, the past due amount was {$7800.00}. I sent a check for that amount to GreenTree. A few weeks later I received a letter stating that GreenTree was now Ditech, and my check was returned. I requested a payoff letter because my home is in contract for sale. 
The title company has requested the payoff on XXXX/XXXX/2015, I also called and requested the payoff as well on XXXX/XXXX/2015. Ditech, still has not send the payoff. I have tried reaching out to Ditech XXXX times and was on HOLD for over XXXX minutes each time someone picks up and they immediately put me on hold. The title company is having the same issues, and they are very unresponsive and careless ... I have was refused to speak with a manager on XXXX occasions. I feel powerless. I need your help to obtain a payoff since I have a closing date deadline and I am afraid that I will lose this buyer, since I am in default of my mortgage and wants to sell before they foreclose. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: On XXXX/XXXX/2015, I noticed a fraudulent activity on my Bank of America ( BOA ) account. I noticed that the Agency that perpetrated this heinous act, is the-same Agency that is withholding money from my Job payroll dept, as we agreed. Unfortunately, however, BOA allowed the same agency to withdraw all the little money in my account ; that I use to feed my family, without even notifying me : thereby endangering the welfare of my family, as I could no longer provide food for my children nor pay my rent. To this end, I requested BOA close the account, and they have vehemently refused, stating that I still have fees to pay. To this end, I am appealing to you to mandate BOA close my account because I do not want to do business with a bank that will endanger the welfare of my family. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America converted my mother 's echecking account ( with no monthly fee ) into regular checking account ( with $ XXXX monthly fee unless certain conditions meet ), without properly notify the customer. My mother is a XXXX with limited english. She did not receive any communication with account change in XXXX language. She has her profile set to XXXX language as primary language with Bank of America. She thought everything was safe with her account since she had not been charged anything in last few years. She demanded to have the fee refunded and was declined by Bank of America. BoA prays on immigrants with limited english proficiency, and did not communicate in her native language. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America was unable to return money stolen from me trough fraudulent use of my debit card because they were closed for the holiday on XXXX. Even though I called the fraud/lost card center I was referred to the claims department which was also closed. I explained several times to different employees that I just opened the account and that I desperately needed the funds returned right away so I could make needed purchases I was shocked to learn that no one in the fraud department was able to issue temporary credits, not even supervisors. I ca n't believe that Bank of America 's security was breached so easily ( my new card has a micro chip ) and also that everyone was so helpless ( especially me ) just because of a holiday. Anyone needing to make a car payment or pay their mortgage would have had their credit ruined because of their inefficiencies. 

Company response: Company chooses not to provide a public response
Consumer complaint: Originally this debt appeared on my credit report XX/XX/XXXX of 2015. ProCollect appeared on my credit report as a collection agency XXXX for {$690.00}. I currently live on the this apartments XXXX and i had never lived on this apartments before. I move in to this apartments XX/XX/XXXX 2015. I contacted ProCollect to let them know that the debt did not belonged to me, but they were not able to locate that account that appeared on my credit report.So, i disputed this account XXXX i send them a copy of my social security and my driver license. XXXX removed the account from my credit report but XXXX did not remove the account stating that ProCollect had validated the account. I made several attempts again to contact ProCollect and i had to go through a lot of loops to find a person that was willing to help me, i explained him my situation he was not able to find that account with my personal info he had to search by the apartment complex and he located an account that was under someone else name. that person had my same last name so he told me to send them my personal identifications and a copy of my dispute XXXX that it seemed that my social security was attached to the wrong person. So i send those documents and i also disputed the account XXXX again. The re-investigation was finished on XX/XX/XXXX 2015 and once again XXXX is not removing this account from my credit report and ProCollect is not willing to help me on this matter every time i call they are unprofessional and they are not able to locate an account under my social security or legal name but they are putting something on my credit report that they dont have record of. 

Company response: Company chooses not to provide a public response
Consumer complaint: above points are not applicable. 
Bk. of America issued me a new CC because my No. was misused. 
I had for years " minimum automatic payment " set up. 
When the next payment was due, I did nothing because I trusted the min. autom. payment agreement with BoA. The following month I did the same. 
The total amount was just arround {$20.00} which is the " min. payment amount ". 
The result of this was : BoA reported me for not paying my CC. 
When I complained, they told me : " By law they are obliged to report me etc.. And itwas all my fault etc.. IT WAS MY DUTY TO RENEW THE MIN. AUTOM. PAYMENTWHEN MY CC WAS REPLACED "! 
I assumed of course that it automaticly continues as everything else in my CC contract. 
All my complaints were to no prevail. 
This happened about 2 years ago and my otherwise impeccable Creditreport is stilltarnished today!!! 
I only found out today about your CFPB. This is why I am contacting you so late. 
But I really think that BoA needs to be punished for this! 

Thank you for your time and attention. 
XXXX tel. XXXX XXXX XXXX XXXXXXXXXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Hi my name is XXXX XXXX wellsfargo bank charge me XXXX over draft fees cost me around {$310.00} dollar. I am a student I ca n't pay {$310.00} I asked them to waved that fees because they sign me up for overdraft protection over the phone and did n't educate me at all I end up getting {$310.00} charged please if it possible to tell them to waived that fess. According to the research and articles wellsfargo made XXXX XXXX in charging students and customers in overdraft fees please contact me XXXX 

Company response: Company chooses not to provide a public response