AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Sps has wrongfully taken my home. Naca was informed on XXXX XXXX that my property had no sale date. The sps rep advised this information directly to Naca via a phone call. Sps dropped the ball not advising to myself or Naca that the attorney handling foreclosure advised that the sale date could not be postponed due to timing. Please advise to me why the sale date for the XXXX was moved??? All of this happening why my file was being reviewed with sps as well as mailed notifications that the file was under review with no notification that sale date was not able to be modified sps has the ability to retract the sale that took place today XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have recently had a wage garnishment put in place. I have lived at same residence for 10years and never received any documentation. I have been trying to work with Collection Technology Inc and they have been extremely rude and very difficult to deal with not returning phone calls not sending paper work, etc and so on!! I know that it is there job to collect debt but I do n't believe I owe as much as they say and I was pretty much told that is what told that is what total is and that is that! Just called them XXXX/XXXX/15 @ XXXX central time, was told we are in a meeting we will call you back and hung up on! Not sure who their CEO knows within the Department of Education for them to be able to buy this debt and then immediately start garnishment and withholding tax money. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America is attempting to foreclose on a property. The TILA Agreement was never presented. Only the HUD Settlement Form. I requested the Title Company XXXX XXXX to send all of my documents which I signed at closing and there is no TILA Agreement. Furthermore, the Entity in which the Note and Deed of Trust are assigned to is America 's Wholesale Lender " A Corporation '' which did not exist under XXXX Law and does not exist under XXXX Law. XXXX Trustee and Bank of America are initiating a Foreclosure set for XXXX XXXX, XXXX and America 's Wholesale Lender never responded to a Qualified Written Request. The Qualified Written Request to America 's Wholesale Lender was Sent via Certified Mail Return Receipt Requested back in XXXX and never responded nor did Mortgage Electronic Registration Systems which are other parties listed in the Deed of Trust as Lender and Beneficiary. America 's Wholesale Lender A Corporation does not exist as a Corporation Tax Payer in XXXX. Therefore, I would like to have in writing who is the appropriate lender who has standing to foreclose. Otherwise, I would like to take the appropriate action to Rescind the mortgage since XXXX advised in XXXX that they were not the Lender, Owner of the Property or the Loan. Since the Truth and Lending documents were not issued at closing, and I can not contact the Lender for the TILA Agreement with a existing entity, I would like to know who is the true Lender to the note and deed of trust. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX XXXX Bank of America decided to " Charge off '' my home mortgage. 
My property taxes were in escrow with my mortgage. 
BOA NEVER informed me that they had " charged off '' my mortgage, I received a property tax bill from the XXXX XXXX XXXX XXXX NJ in late XXXX for XXXX. I did n't understand why I was getting a tax bill being that my taxes were in escrow. I contacted my go to person at BOA and was not able to connect with her. I continued the search for someone to explain to me why my taxes were not paid. Finally I got someone who told me about the " charge off '' and that no more help will be coming from BOA. I did file a complaint with CFPB about the mortgage issue. Now I am filing a complaint because I do not have XXXX and the XXXX XXXX XXXX does not take payments you have to pay the full amount and I have been notified that my house will be sold in a tax sale in XXXX. Being that BOA caused this debt by never notifying me that they were no longer paying my taxes they should be held liable for this debt. XXXX again BOA put their customers in untenable positions financially. I am really going to loose my house for XXXX BOA? 
You are a disgrace! 

Company response: Company chooses not to provide a public response
Consumer complaint: I had an arrangement made with my finance company before my due day I have been getting calls every single day representatives have been calling me disclosing information without confirming who they 're speaking with ask to speak with supervisor supervisor called me a liar stated will be calling my human resources manager at my job I did n't ask to speak to a different supervisor to have my complain to listen to representative who I called stated I called a different branch and there was no supervisors available I ask to be transferred he denied due to does n't know XXXX supervisor will beavailable that they are the boss of him and he does n't know their time frame 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My name is XXXX XXXX XXXX and huband name is XXXX XXXX XXXX I am filing complaint regarding a finanical company, name OneMain Finanical XXXX address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX their phone number XXXX they have an account which they are telling us it our account the account number is XXXX open XX/XX/XXXX, joint account installment account loan type is unserured. I have a company name XXXX XXXX which is helping us and they have send letters on our behalf. The company information is ( C ) XXXX XXXX XXXX ( R ). All rights reserved. XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX XXXX, and of counsel attorneys. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah, XXXX of Use Privacy Policy Email Preferences. Credit Access. 
Attorney XXXX, phone number XXXX. My email is how they find our information and verified is I who is calling my husband have his own account with the XXXX XXXX XXXX, it with my email. XXXXXXXXXXXX my address XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX, my phone number is XXXX, birthday XX/XX/XXXX. My complaint is that this company is accusing us of owning XXXX the high balance is {$17000.00} from XX/XX/XXXX to XX/XX/XXXX pay status is a charge off the account number they have on file is XXXX. XXXX XXXX have wrote letters at least every sixty day since XX/XX/XXXX. They have send us letters refusing to take this the credit report off our credit bureaus, because they have tell me that all XXXX credit reporting agencies have the same information. Now from my understanding it is the company that report to these credit agencies, XXXX, XXXX and XXXX so that is not correct statement since, OneMain Financial reported this information to the credit agencies. I truely do not know this company and never dealt with them that I am aware of. I and my husband need help under credit laws that said this have to be an accurate reporting and this company have not given correct information. The XXXX Lax company have did every thing under law to help us. Please help us. Thank You for whatever you can do to bring the truth to light. 

Company response: Company chooses not to provide a public response
Consumer complaint: My Bank of America savings account went negative by almost {$1400.00}. The bank said it was negative for XXXX days as of XXXX/XXXX/2015. I was trying to pay it off through a payment plan, but the Bank refused and while it took the reason why the account went into a negative balance as a fraudulent transaction ( which happened at XXXX time ), there was no action made to the person who wrote the bad check, nor was there any feedback that they would have allowed me to pay back incrementally the negative balance. 

On XXXX XXXX, 2015 Bank of America performed an unauthorized transaction by taking all of the funds out of my checking account which were actually a student loan for my wife 's school and left us with a negative balance. When I confronted the bank, they said that they were allowed to do that based on the contract of my accounts. I found that hard to believe, which is why I am making this complaint that Bank of America has been performing predatory business practices and continues to do so that are not only unethical but I wonder if they actually violate the law. 

Company response: Company chooses not to provide a public response
Consumer complaint: I ordered a XXXX Tablet for {$53.00} at XXXX on XXXX XXXX and ended up cancelling it the same day. XXXX confirmed that they sent the money back and that I would have to contact my bank about the matter. I did and they continued to tell me to contact XXXX and that there was nothing that they could do. So I did and XXXX referred me back to Bank of America because they are the only ones that can release the hold. I contacted the bank yesterday and they told me it could take up to 3 days for the money to show up on my accont. I told the teller it was the XXXX day and she said it should be released by the end of the day. I then called Bank of America today when I saw it was not released and I was told that they could not find the purchase of file a claim because the {$53.00} sent to XXXX was not able to take the money out of the account due to problems with my card and then the story changed to it was automatically refunded and to check my transactions on line by the claims department supervisor named XXXX XXXX. XXXX was very rude and talked over me. She also told XXXX a lie instead of trying to find out about my daughters child support money. 

Company response: Company chooses not to provide a public response
Consumer complaint: 1. Hospital visit XXXX XXXX. My employer provides health care at 100 %. My Health Insurance company is XXXX3. XXXX paid the medical billsXXXX. Then, in XX/XX/XXXX a collection agency, XXXX XXXX XXXX, placed a negative item in my credit report stating I had not paid the doctor. 
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency. 
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company. 
8. The item is removed from my credit report. 
9. In XX/XX/XXXX a different collections agency, Commonwealth Financial, places the negative item back in my credit report. 

Commonwealth Financial has this error in a database which they got from XXXX XXXX XXXX, which got it from the accounting firm which went out of business right after we used the doctor and XXXX paid the doctor. 
It seems that there is just a big scam where XXXX accounting firms sells accounts to another agency which further sells it to another firm, when in fact the first company had already been paid by the insurance company. XXXX collections agency scams another agency, which then scams another, when in fact there is no debt to collect as the initial firm received payment years ago. 

My credit score is hammered each time a collections agency buys the account from another XXXX and puts this incorrect item in my credit report. 

I need your help to stop this once and for all. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased my home in XXXX, 2008 based on a monthly income of $ 5,000+ per month, with the express prayer to JEHOVAH GOD AMIGHTY that my children would not end up homeless, always having a place to call home. After forced early retirement in order to maintain my health and sanity, I attempted to get my FHA home loan modified with Bank of America to whom Countrywide had sold my loan. Bank of America promised a modification only to give me payments of {$1700.00} per month at 5 % ( taxes and insurance included ) which was more than my monthly payment before the " modification '' which went from approximately {$1700.00} ( taxes and insurance included ). Surely someone must have gotten a good laugh! ) .Bank of America then sold my home to XXXX. While in the midst of attempting to get a permanent home loan modification, I asked members of our regular Friday night Bible study to pray for me because if I did not get a permanent modification I could lose my home. A brother who attended the Bible study asked me to bring him all the paperwork concerning my home, and I did. The following week, brother XXXX said, " Sister XXXX, I promise you will not lose your home. '' He explained that he and his partners did what one calls " home flipping. '' He said his partners would buy my home and then sell it back to me at a price that I could afford. I did ALL that was asked of me and gave ALL papers concerning my home. They purchased my home then evicted my XXXX daughter and myself. Temporary mailing address I XXXX XXXX XXXX, XXXX, TX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I could no longer pay these enormous charges so I hired a company in FL to take over for me. Either they did nothing or the Pay Day loan company will not accept their terms. I get several letters a week and they have threatened to take civil action against me. I am over XXXX and I get a XXXX check. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The CFPB resolved an issue for me with a XXXX credit card. XXXX apologized and refunded all late fees. However, Sears is still reporting this issue as a late payment on my credit report. Please ask XXXX to remove the late payment on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I subscribed to XXXX in XXXX 2014, but cancelled within my first 30 days of service. I also shipped back the equipment to XXXX within the 30 days as well, and now they are saying that I owe a fee of {$98.00} in which I refuse to pay, because I do not owe that. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: This bill was paid on time prior to it going to collections. I had problems with the billing of XXXX from the very beginning, they over billed and continued to charge for promotional start up services that were cancelled. I began keeping some notes of when I had to go to the stores to try to resolve billing errors. The store managers would correct the bills and update the billing in the store. I would be over charged ALL the time, every bill I was being charged for services I was not receiving. I was being charged for XXXX lines I did not even have. The last payment I made, I made in full to end the relationship with XXXX XXXX XXXX. I would not have gone through all of that for the last bill to go to collections. I was told by the store manager what to pay ( because my bill I was over charged ) I paid my bill in full. It should have never went to collections, never. I called XXXX about this over and over but I always got a person in a different country who hardly understood XXXX - they would literally laugh at you when you would call them. Laugh at you, outloud, in you ear, at you about your problem. Im not kidding XXXX bit. The stores near me XXXX by XXXX were shutting down and the managers and sales people I once relied on were gone and I had no one go to for help with the bill. Now even after I had paid my last bill, I was still being billed for services I did not have. I was with XXXX at this point now and had taken the XXXX phone numbers with me and I was still getting a bill for service from XXXX XXXX and I was not even with them. I tried resolving this matter but you can not communicate with people who thinks its just a big joke. 
I dug up my notes and rewrote them, I hope you can read them. I also dug up my check book with the payment I made that was calculated at the store by the manager due to over charges. This was my last bill, my last services I had.. I should have received no more bills or correspondence from them. Our relationship was done and I was so very happy about that. it was a nightmare from the beginning. I would not go through ALL of that and then not pay the last statement - that would be just stupid of me. Ive tried disputing this over and over with the XXXX credit bureaus - nothing ever comes of it and I dont know much of an investigation they conduct in an XXXX.. 
I really hope you can help me. Please let me know if there is any other information I can provide Or if you need anything else. The numbers next to the managers names are their store employee numbers. They told me to write this stuff down. I am so glad I saved it all. If I find more information can I upload it more info? 
Thank you, XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Repeated calls from men with heavy hard to understand accents ( communication tactic ) saying " we are from ACT calling for ( ) '' When asked who they are 'ACT about the school '' leading XXXX to believe it is ACT collegiate testing calling. 
No disclosure of debt collection, just asks for a payment. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have received multiple calls from an agency claiming to be a debt collector. I do believe they could be but have yet to have them identify themselves in any way other than over the phone. They seem to have my name and now *definitely* have my address and month and day of birth. All I have is a phone name, phone number, address and repeated requests for my banking information. I also have him accusing me of not being willing to work with him to resolve this debt. I tried several times to get him to understand that I would not be giving him any banking information over the phone and he jumped right to me refusing to work with him. I think he finally understood that I was going to set up an automatic payment to his company via my bank. I did ask him to prove to me that he was indeed who he said he was and that he was with a legitimate debt collection outfit. He offered me a phone number to Bank of America instead. At some point I told him that I was aware of the Fair Debt Collection Act and that he should read it. He also insinuated legal action in an earlier call this morning as well as after I told him I would not be setting up an automatic withdrawal through his outfit. I told him again to send whatever information he wished to me via XXXX again. He then insinuated legal action by saying that if the XXXX of every month was good for me he needed to give me an extension to avoid legal action. After more of this, I told him things were getting weird and that we were done speaking. 

I get that I owe money. I, like so many other Americans, have fallen on some really XXXX hard times. I am proud to say that I have not had to resort to going back on XXXX AND that I have a freaking job FINALLY ( XXXX ). I am a single, now-working-dad living at home with his XXXX year old Mom. All this after a crazy-making contentious divorce. I am trying to get my life together and having additional and unnecessary drama created in so doing ai n't helping me OR untold numbers of Americans. I honestly hesitate to even file a complaint because I am and have been quite discouraged with how much ever day normal people have to contend with from a lack of any protections. I want to do the right thing. I am trying. And I almost fall for what could be a total scam? For the love of giving the people a bit more power than we are lead to believe we have, DO SOMETHING. I am lucky as I have learned through, quite honestly, bad choices, to advocate. And I am trying!!! 

Company response: Company chooses not to provide a public response
Consumer complaint: After working very hard to pay off my Sallie Mae XXXX loan in full XXXX XXXX, they promised that a payoff letter would arrive within XXXX days. No letter was ever received. Each time I call back the customer-no-service promises that a letter will be sent soon. It has now been XXXX days and the account is STILL OPEN! I called today and asked to speak to a manager. When I insisted that they close out the account or else a formal complaint would be filed they hung up! 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I 've have been trying to complete a loan modification since XXXX XXXX 2013 because. I 've been submitting all required documentation to SPS financial and have not seen any results. I 'm currently working with a realtor to help me complete my loan medication because it 's been very overwhelming for me to complete this on my own. At this point, the lender continues to request new information and I 'm scared to lose my home to foreclosure. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I XXXX college in XX/XX/XXXX and left XXXX, XXXX to attend XXXX XXXX XXXX training in XXXX, XXXX. Five years later in XX/XX/XXXX, I received a letter from the National Credit Audit Corporation ( NCAC ) saying that I owed {$270.00} for damage that had occurred to the apartment that I was living in while in college. I took the letter to my legal department because it seemed weird that an agency would contact me almost five years later about a claim that had materialized out of thin air. My legal department advised me that it was probably a debt collector scam that they unfortunately see frequently with military members due to the frequent moves inherent with military life. Legal told me to respond asking for more information about the debt assuming that it would fall by the wayside. NCAC responded with an itemized list of maintenance charges ( from XXXX XXXX properties, the apartment complex that I had previously lived in ) that I had never seen before. The list was dated a full month before I had supposedly vacated the apartment and yet I was only seeing it for the XXXX time five years later. When I had vacated the apartment in XX/XX/XXXX, it had been under good standing with the rental company ; I understood that I would not be getting the full amount of my initial deposit back because it was standard practice to repaint the walls and have the carpets cleaned using the initial deposit. I again consulted my legal department who, after some research found that XXXX XXXX properties and therefore NCAC, were in violation of Title VI Chapter 83 section 83.49 paragraph 3 ( A ) of the XXXX Statutes which states " the landlord shall have 30 days to give the tenant written notice by certified mail to the tenant 's last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim.If the landlord fails to give the required notice within the 30-day period, he or she forfeits the right to impose a claim upon the security deposit. '' XXXX XXXX properties failed to notify me within 30 days, much less via certified mail to my last known address, which was provided, and so in my opinion, the debt for damages ( that seem to have materialized when I was not around to contest them ) is not a valid claim. 

Company response: Company chooses not to provide a public response