AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: We initially had a mortgage with XXXX XXXX, every year in XXXX, they would begin harassing us for a lump sum payment, normally over {$3000.00}, regardless if our payments were up to date, or XXXX behind, then after 7 years of this, they sold our loan to another company, XXXX XXXX, and they did the same thing in the fall of last year. They only owned our loan for a few months. Now ANOTHER company bought our loan, Select Portfolio, they are now harassing us. Calling XXXX times a day, leaving numerous voice mails, coming by my house, etc. I have called back and ca n't ever get the lady that keeps calling me. I try to work full time, my husband does, also, we have XXXX children, and my mother is in and out of the hospital. I have requested numerous times a modification, but noting ever comes of it. They just make more demands. I need someone to help us, and actually listen to us, because I am afraid other have the same issue. The original company, I am sure it is in our original contract, that they could n't sell our loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Briefly, a nightmare involving Identity Theft dating back to XX/XX/XXXX when someone open a credit card using my personal information. 
SEE ATTACHED COMPLAINT LETTER dated XXXX XXXX. 
This was supposedly resolved with XXXX XXXX in XXXX. 
A company named Dynamic Recovery Solutions appears to be abusively recycling this old XXXX account even though they were responded to in XX/XX/XXXX and it appears that they may be doing this with XXXX 's help. 
A total nightmare going back over 20 years that should simply never be allowed to happen. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: We were served with a law suit from fred j hanna law firm and since being put on an automatic payment arrangement we have not received any information. We also believe the amount that was requested was over the amount we owe. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I had my credit report pulled for a mortgage application and when it was pulled, a collection for XXXX ( XXXX ) showed up on the report. The collection agency was listed as Stellar Recovery and the amount was for {$170.00}. Since the initial creditor was XXXX ( XXXX ), I called them and paid the balance of # XXXX on XXXX XXXX, 2015. This closed my account and zeroed the balance. When I inquired about Stellar Recovery, I was informed that collections would no longer take place as my balance was now zeroed. However, it is XXXX, and the collection remains on my credit report despite having a zero balance with XXXX ( XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I went to apply for a loan to buy a house, and it turned out I have collection reported on my credit report. when I called them it turned out I have a bill of {$340.00}, I do n't know where that came from, I have health insurance. but I decided to pay it same day because I never had any collection or debt in my whole life. the man from the collection company is called XXXX XXXX, the company name id designed receivable solutions ( www.drsi.ws ) and their address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX told me if I paid the bill I will receive a letter from him that I paid my debt and they will report to the XXXX credit companies that I am clear. the payment was made XXXX/XXXXXX/XX/2015 and you will see the transaction in the document attached. since that day until today I 've been calling him everyday and he is ignoring my calls saying I sent you the letter. I asked him to email it and he said that he cant, I asked him to ship it with tracking number and he can charge me for the shipping he refused, I begged him to send it and my last phone call with him, he said that I should realistic, and that I should have known better that he will not send me anything. and he did not remove the collection from my credit reports. 
I am really helpless and this is really unfair, I am the one who called them and paid my debt and he promised he will send me the documents and he is not. my life is ruined from this situation, I could not get the loan for the house. and I paid it. this is really unfair. please I need your help with this matter. just make them send me the letter and clear the bill from my credit reports. I had a high credit score but after the collection record came on my account, my credit score dropped. I never had any debt in my life. I pay my bills in time. this is really unfair and Sad. I really appreciate your help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A letter was sent to my place of employment, that was a false court document, asking to.garnish my wages.They wanted banking information, and social security number information.They put my job in jeopardy by doing so, on top of the humiliation I had to face at work. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My lender mailed me correspondence stating that my mortgage payment was due to increase effective XXXX XXXX, 2015, due to increase in tax amount. I disputed this because they were basing my amount from the previous owners taxes and it did not reflect my homestead exemption ( credit ). Called my lender and was instructed to go to my local tax office and obtain the estimated taxes for 2015 and then fax that along with the letter to a number that was given to me for the tax dept. On XXXX XXXX I went to my tax office an obtained the document that was now available. Faxed it directly along with the document that was sent to me from the lender to the number given then called to check that it was received. Confirmed it was received. Was told that it would take a week or so and that the monthly payment would be corrected to reflect the exemption and new tax amount. Was instructed to make the " new higher '' monthly payment XXXX XXXX, 2015 so that we did not default and any overages would be refunded. As of today we still have never been contacted by anyone from Pacific Union Financial regarding are payment issues. We had been in constant contact throughout the month of XXXX with the lender because we had a new baby and our payment was going to be slightly late. We were told numerous times by customer service agents that it was ok, this was our XXXX late payment, no late fees would be added, and any other fees that might apply would be waived. We felt certain all would be fine since lender instructed us that it would be. We did make the payment before the month ended. 
On XXXX XXXX, 2015 called Lender to discuss the payment/ taxes. Was told by CS that nothing could be done until XXXX 2015, which is in direct contradiction to what was originally told to us by the tax department! Asked to speak with a manager immediately, or someone in authority. No one was available and was told I would receive a call back, no one called back. Next day, someone did phone my husband and again said nothing could be changed until XX/XX/XXXX, so he requested to speak to a manager or senior manager to discuss all the issues that we have been having. As of yet, no one from our loan company has contacted us. 
Yesterday we decided to look into refinancing the house to get away from this lender, the XXXX lender I contacted informed us that in XXXX 2015 our lender filed with the XXXX major credit bureaus a 30 day late notice, making both myself and spouses credit scores drop XXXX-XXXX points, putting us into a lower bracket that we now do not qualify for a refinance. This is extremely unsettling considering our lender numerous times as we were in contact with them stated that our account was fine, no fees or actions to the account would be taken. We have been lied to, mislead, and still have open ongoing payment and tax issue with this company that refuses to contact us or attempt to fix the situation, we have no idea what we can do next! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Select Portfolio Servicing caused an unauthorized individual to trespass upon my property for the purpose of harassment and intimidation on Friday, XXXX XXXX, 2015. I was alarmed and afraid in my own home. I reported the incident to the police who made an official record of the activity which is in violation of local laws as outlined in the attached affidavit which I submit for CFPB review and follow up. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Constant calls to my place of business. Always a recording, when I hold for a rep, call hangs me up so I never get the chance to speak to someone to question the legitimacy of the call. 

Recorded call dials in XXXX times a day, everyday including weekends. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I lost funds due the bank show that i had the funds availableand the them charging me an overdraft fee on numerous occasions over many years 

Company response: Company chooses not to provide a public response
Consumer complaint: After my NC foreclosure funds ran out I called BOA for assistance. After XXXX missed payments I was told that I would need to fill out some paper work. I couldnt find XXXX for a few months, boa told me he was dead of course he wasnt. I missed XXXX payments, found husband, sent papers in, kept getting letters saying they were working on it. paid them XXXX payments XXXX and BOA tells me my payments were going to be XXXX, I asked counselor where did they get the numbers to work with to determine this was to be my amount. No answer..I fell at work XX/XX/XXXX on XXXX XXXX. I told counselor I could not make those high payments, she said you can modify 2 times in 5 years. XXXX sent to me again, questions were to be answered by signer was not told that so I sent in my information. counselor called she said we need for me and XXXX to write hardship letters and each sign the other ones papers. Again I asked what financials were used to get this amount, they used XXXX income from XXXX, when he was making XXXX a hour, for the last 3 years XXXX has been in WV, he said in XXXX he made less than XXXX, XXXX he got less than XXXX he did not file, his employers said they mailed them and then business was gone. XX/XX/XXXX he stated he started at a XXXX XXXX and has worked 4 weeks at XXXX a hour. 
I have called various banks and mortgage lenders and they state they get credit score and tax papers for doing a modification, not financials from 9 years ago. Im back down to losing my home again, i was told also to check into HAMP. I am so sick of playing cat and mouse with this bank. I was seriously injured on my job, no medical offered at that point, retained PI lawyer, they wont return phone calls, he has to file with State of NC for them not returning his calls in regard to my injuries looked at. BOA is stressing me out. I know BOA is the worse bank to deal with especially using old information 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a phone call on my cell phone demanding to talk to someone that my number does not belong to. I do know the person but I very seldom talk to her. I informed the person calling that I no longer talk to this person and he got angry and said I need to tell her to call him. I again told him that I did not talk to her anymore and he got more nasty and told me that she put me down as a reference and I needed to tell her to call him. I again informed him that I did not talk to hardly at all anymore and he said that he did not pull this ( my ) phone number out of thin air and to give her his number. He refused to listen to me that I did not talk to her anymore and continued to harass me about her. I finally told him I would take his number just to get him to leave me alone and stop harassing me. He would n't tell me who he was with so I had to use a reverse phone directory to find out who was harassing me. It seems that the person he was calling about owes money, this has nothing to do with me, I know nothing about this debt and he would not get off my phone. he got nasty and kept harassing me about someone I no longer live with or talk to very often. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: On XXXX XXXX BankAmerica ( BA ) failed to autodebit my credit union bank account for the balance due on my XXXX account ending in XXXX, although my auto debit was still in active status. As a result BA charged me fees and interest and claimed I was in arrears. On XXXX XXXX I began 10 days of calling, emailing, chatting, and writing BA. The problem was not fixed despite numerous acknowledgements that this was a BA error and that the fees/interest would be refunded. Finally I was able to make the payment by phone on XXXX XXXX. But by XXXX XXXX, although BA debited my credit union account for the amount due, the online report of my XXXX account did not acknowledge the payment or show a refund. I have lost XXXX work hours and undergone enormous stress as a result of this consumer service breakdown. I am enclosing the XXXX letters written. The last letter, to CEO XXXX, states what I need to have this problem resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt was charged off over 4 years ago by original creditor. Account went delinquent XXXX of 2009. 

Communication with XXXX parties : Contacted XXXX other people that I am aware of, including old Landlord, and extended family trying to get ahold of me for a " legal matter ''. Left messages on answering machines with case # XXXX XXXX. 

Harassment : Claimed to be delivering service of summons and would not disclose name or information of process server at my request. Used the threat of a pending lawsuit to get me to make a payment by the following day in order to stop the process. 

Making False and Misleading Representations : Claimed to not be a debt collector, but a law firm working on behalf of Wells Fargo and used multiple names including " Legal Claim ''. Never notified me on contact that they were a debt collection agency or that they were attempting to collect a debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: Tried getting a credit line increase on my Barclay card but had to go to their security to verify my identity. They initially pulled XXXX but then I had to talk a different representative and they pulled XXXX too and I want the hard pull removed from XXXX. I 'm very livid that they would chose to do a different pull from a credit report despite the fact that I had only asked for the standard XXXX pull inquiry. They did not inform me that they would n't be using the same XXXX inquiry from the same day but pulling from a different bureau. 

Company response: Company chooses not to provide a public response
Consumer complaint: I used XXXX " access checks '' from Bank of America ( {$600.00} each ) to pay a contractor for work related to repairs on my house. The XXXX access check was written to him for the work. The XXXX access check was written to him after he claimed that the XXXX check was accidentally destroyed by his dog. He then never completed the work nor returned any of the money. Since then, the police has charged and arrested him ( the case is pending trial at this time ). I had also notified Bank of America asking them to reverse these charges. They had asked for a copy of the original contract ( which I provided ) and evidence of the work not being completed ( they refused to accept pictures ). On this, I submitted the adjusters report from the claim I filed on my homeowner 's insurance. This report showed clearly the significant damage done to my home as a result of the incomplete work by the fraudulent contractor. I had also submitted the police report and contact officer 's information to Bank of America. After receiving a rejection letter from Bank of America claiming I did not submit all required documentation ( which in good faith I had! ) I called their Status Department for dispute resolution and spoke with XXXX XXXX the supervisor. She admitted that EVEN IF I FOLLOWED THROUGH EXACTLY WITH ALL OF THEIR REQUIREMENTS ( which I did! ) that they STILL COULD NOT RE-CREDIT MY ACCOUNT since, in her words, Access Checks are like cash. I had used those access checks because I felt they gave me greater security in dealing with merchants. As a consumer, when I use those checks, they show up as CHARGES TO MY CREDIT CARD and thus should be treated like any other charges I would make from time to time using the credit card -- thus being protected from unscrupulous merchants. As a final note : I expect in life to have to deal with people who are out to defraud me ; unfortunately, its a part of life. What I do n't expect and am even more angry over is when a company that promises to protect my purchases IN WRITING fails to follow through with that commitment. 

I have the following documents : 1. original contract with the contractor ; 2. copies of checks cashed ; 3. police case # and investigating officer ; 4. copies of insurance adjuster report detailing damages to my house ; 5. invoice from the new XXXX I had to hire to repair the unfinished work ; 6. documentation of phone calls to Bank of America ( XXXX phone calls over a period of 2 months totaling over 2 hours ) ; and 7. XXXX fax confirmation sheets that I had sent to Bank of America providing documents that they requested. 

Company response: Company chooses not to provide a public response
Consumer complaint: They have charged overdraft fee XXXX times in a roll in XXXX day. Each one was {$35.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: My credit is being attacked be cause of some bill from XXXX XXXX. 
My husband is covered by the VA. They pay all his bills. 
My credit is being attacked because of this delay. After explaining this several times, HR collections continues to put it on my credit report ( as my services ). They should be talking to XXXX XXXX and or Veterans Administrations. Not be wasting time trying to get me to pay someone else 's bill. I should not be being punished.??? HELP! 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: It is with a very heavy heart I am writing you this email. My husband is XXXX military and I work as a XXXX. A week prior to meeting my husband, in XXXX XXXX, I closed on my XXXX house in up-state XXXX. I then went on a blind-date with my ( now ) husband and he XXXX move to XXXX XXXX, XXXX shortly after. We made the move across country in XXXX XXXX and I chose to become a landlord as I thought I could successfully rent my property with help of a property manager. The XXXX property management team was able to secure a renter for two years. However, at the end of that two year period we found out that the property manager had been lying to us and stole money from us that he stated were for repairs. The tenant moved out and we changed property management companies. The next one was unfortunately not much better and she continues to " bully '' us when asked why she is not even listing our house on her own website. We listed the property for sale in XXXX XXXX and received XXXX different offers but the buyers could not secure their own loan. In XXXX XXXX my husband XXXX. I called Bank of America ( our lender ) and stated that I would not be able to pay the mortgage as we could not sustain XXXX separate households. Bank of America had me jump through the usual hoops by completing financial paperwork showing that we just could not afford the XXXX house. Bank of America requested for an appraisal which showed that I owed less than the house is worth so they would not approve a short sale. I then asked for a Deed in Lieu but was denied as we had not lived in the house in the last 18 months which is a requirement for Deed in Lieu. In XXXX XXXX, when my husband XX/XX/XXXX, I was told that I would need to wait for the foreclosure to proceed and that I was out of options. Despite my best efforts of continuously calling Bank of America and begging for some type of movement, regardless if it is a short sale, deed in lieu, or foreclosure, I have still have not received any assistance and continue to pay the utility bills for this vacant house. I have even gone so far as to reach out to the C.E.O. of Bank of America who reads my emails ( read receipt through Outlook ) but refuses to even reach out to me or give me guidance where to go. My husband has now XXXX moving us to XXXX XXXX, XXXX and although we continue to move about this house is still leaving us with quite the heavy burden. My husband and I already go through enough with military requirements and separations and this house is standing in our way from truly feeling free. Thank you so much for your time and I hope you respond as I feel terrified that we have run out of options. Please help my husband I get out from under this burden! 

Sincerely, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I was denied loan a modification and they did not let me appeal the decision during the 30 days period now have been foreclosed on. The bank took the house back and I have XXXX young kids and no place to go 

Company response: Company chooses not to provide a public response
Consumer complaint: Due to the options that Transunion allows on their website there is no method to dispute that information is XXXX incorrect. I am not going to spend my hard earned money to mail a registered letter to Transunion that will take 6 months at the least to even get them to put anything into motion. The Federal Government gave the credit report agencies undue power. Therefore, the Federal Government needs to take responsibility in assisting me with my issue. There are address on the report that are not mine and are totally incorrect. There is no way to fix the problem except to move them around on the report-but no manner for requesting them to be deleted. 

Company response: Company chooses not to provide a public response