AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: For the last FOUR years, I have been receiving multiple robo-calls to my home " attempting to collect a debt '' however it is not a debt that I personally owe. The person who had this phone number before me owed many debts, and I have managed to remove myself from the list for being contacted by all the other companies/agencies that have been calling, except for XXXX. I do n't even know the reason for the debt or the name of the company, but I have called them back at the number given many times. Most of the time I can not be connected to a real person when I call, but when I have been able to speak to a person, I have given my name and contact information and explained that the person who owes this debt is NOT me or anyone I know, and asked that they stop calling. It has been more than a month since the last time I called, and I am still receiving phone calls from this agency. Their phone number is XXXX. They do not give any other information in the automated message when they call. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Bank of America provided oral instructions by telephone on a recast of my mortgage. I followed the procedure and submitted my letter of intent along with a payment of approximately {$15000.00} to be applied to the principal to complete the recast process and have a lower principal balance on which to calculate my new payment. My check for $ 15,000+ was applied to the principal upon receipt, but I never heard from Bank of America XXXX After repeated phone calls over a one month period, I finally reached someone on the phone who told me that we were denied the recast. There was nothing to be done about the {$15000.00} payment that had been applied to the loan. My payment remains the same. No letter of denial of the recast and no letter of apology for shabby treatment was ever sent to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX has listed on my credit report a debt that was abolished by Mariner Finance in XXXX 2013. This was a joint account as I co-signed for a coworker to purchase a used car but Mariner Finance has been listing account as an individual account. Mariner Finance agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. XXXX keeps verifying the debt as valid because Mariner Finance is supplying fictitious information because collection efforts remain in effect for second party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. XXXX credit bureau is also listing the erroneous account by Mariner Finance as past due in the amount of {$1500.00}. I have been fighting with this company over this issue for approximately 2 years. 
I need the judgment and the erroneously reporting account deleted from my credit bureau reports as promised. 
Licensed by the Maryland XXXX # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Pinnacle Recovery Inc. of XXXX XXXX XXXX, XXXX, CA XXXX, keeps sending me and my wife fraudulent notices of a debt that they ( Pinnacle Recovery ) are attempting to collect on behalf of XXXX XXXX XXXX. 

This mail fraud, identity theft and debt collection has escalated to the extent that a representative called our XXXX XXXX country landline home phone trying to make arrangements to collect a debt of {$1100.00} ( USD ) via Credit Card payment. 

My Wife and I have never transacted any business with XXXX XXXX XXXX We would very much like this harassment and fraudulent practice to cease and desist. It is all a scam, a sham, fraudulent, vexatious, tenuous and disgustingly opportunistic. Thanks in advance CFPB. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Ordered a First Progress Credit and submitted {$500.00} as security in XX/XX/2014It took a many weeks for them to process the card. 
I never went over the credit limit set with my deposit of {$500.00} but they immediately started charging fees and interest on my money. 
I called to ask about this and was told that is their policy. I cancelled the card in XX/XX/2014. They continued to send me bills. I called again and sent them a letter in XX/XX/2014 to again try to cancel. They sent me a letter agreeing that they would cancel. They said I owed them Approximately {$60.00}, how I do n't know since it was my money. 
I reluctantly agreed and they said they would send me a final bill. 
It is now XXXX and I have called a number of times. They continue to send me bills adding on interest and charges even though account was closed. 
They are very unresponsive and I feel that this Company is scamming people. 
They are very untrustworthy and prey on people trying to reestablish their credit. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hello : My wife and myself started the process to buy a house. Our realtor was able to find the proper house for us. 
We submitted all the documents to the following company : K & G Capital Mortage. K & G Capital mortgage is a division of Houstonian Mortgage Group Inc. 
They offered to us a financial option using FHA system since the very beginning as the best option for us. 
As we are part of a relocation program ( XXXX ) when we started to provide all the documentation needed at the beginning, we notice that they were asking for XXXX card ( XXXX ) to which we explained and asked multiple times, to the FHA officer, XXXX XXXX ( Branch Manager ) about our XXXX necessary documentation. We explained that we did not have the XXXX card but that instead, we had a valid XXXX sponsored by XXXX XXXX and which is valid to XXXX in the United States ( while our permanent residence is being processed ). 
He did a quick check for the requirements and he said we had everything needed for the FHA loan. 
We started this process around XXXX month ago, and it has been an emotional roller coster, apparently they di n't check correctly and due to our " migratory conditions '' we never were able to obtain a FHA loan, which forced us to get a regular loan, with unexpected expenses, that added to the monthly payments and closing\down payment. 
Even worse, as we have a contract to close on XXXX XXXX, and the process has been so delayed due their lack of communication and commitment and poor response, we are about to loose the house, given the fact that the seller is in no obligation to accept the amendment for an extension while the process a regular loan. 
This is not our fault, as we already provided to them everything needed and on time ( sometimes working late at night ). 
Aside of that, my wife has had a very hard time, getting fair and respectful customer service. There was never a commitment with the customer, as they never even took the time to really check the necessary documentation ( once he said that we came from XXXX, when we actually came from XXXX XXXX ). They never explained with details all the process and must of the times, were very unresponsive to my wife when she asked for details on each item charged, while she was trying to understand the options ( by the way never meet the budget we asked for ). 
We believe that we have been put through unnecessary emotional stress and has affected directly the process of buying the house while we had been compliant with absolutely everything we had been asked for to provide. 
As a FYI, our XXXX in the United States allows an individual to buy a house. It would have been helpful to know our real options from the very beginning and not just a few days prior to closing. More emotional damage was caused due the fact that looks like we are going to loose all the time invested, effort, money required ( inspections, etc ). 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Barclays Bank Delaware is reporting a credit card under my name with a balance of {$6800.00}. This account is not mine, but is being reported to XXXX. XXXX shows the account was opened XXXX/XXXX/93. This account is not mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage processor with USAA, XXXX XXXX XXXX emailed a completed VA form with my social security number, date of birth, full name and address prefilled on the form without any read protections or encryption since she felt it would be faster than using USAA 's encrypted banking website to send the form. USAA 's own internal company policy prohibits emailing of any mortgage forms because of the risk of identity theft ( as stated to me by another representative earlier in the mortgage process when I requested a loan pre-qualification letter ). Despite XXXX XXXX claims to the opposite, the email was not encrypted and she feigned ignorance of how encrypted emails work by stating that USAA 's networks are encrypted and thus all emails are as well. Her deliberate act to email a VA form with my personally identifiable information ( PII ) via an unsecure email without any document protections ( such as requiring a password to open the file ) has exposed me to the potential for identity theft now. 

Beyond this issue, throughout the mortgage process USAA refused to honor my wishes to contact me by telephone instead of by email, causing delays in providing documentation. USAA also failed to explain the process in which mortgage officers are appointed and how you may not have the same officer if you have to cancel XXXX application and begin another. The quality of the mortgage officers varies widely with some apparently completely unable to read a customer profile ( I am not married, but XXXX XXXX insisted I was XXXX and asking to have a new officer assigned becomes an adversarial event between the customer and a manager. Management of these officers is similarly terrible with promises not being followed up on or even phone calls returned requesting help. 

I do not intend on ever using USAA for future mortgages and I would not recommend them to anyone either. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: NCS has failed to provide me with a dunning notice prior to inserting inaccurate negative information on all XXXX credit bureaus without notice and the only I found out was by VIA credit monitoring service. So when I finally realized I filed a dispute and also contacted NCS and original creditor XXXX to no avail, even though they were in violation FCRA and the Fair Debt Collection Practices they refused to acknowledge any wrongdoings. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: FOCUS RECEIVABLES MANAGEMENT has been calling and harassing me about a bill owed to XXXX. 
I haved contacted XXXX XXXX and the company states they have no record of me evering having there service or owing a bill with there company. 
I have told Focus Receivables Management on numerous phone calls this information and have asked for proof from there company showing I owe this debt. 
Now this company are reporting a collection account with all three credit bureaus listed under my name, which is ruining my credit standing. 
I asked for them to delete this false information from my credit reports without any luck. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My credit report shows a 180-day late payment in XXXX XXXX. However, I was not late. I have provided copies of my XXXX Payment Record ( XXXX XXXX - XXXX XXXX ) XXXX to Experian that clearly show my payments for XXXX XXXX and for the year of XXXX was never late and supports my position. Still, Experian refuses to delete ore correct this item. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XX/XX/2015 I applied for a mortgage with USAA. Due to my income to loan ratio, I was told that I would have to receive approval from their underwriting department, which could take up to 3 business days.  I asked if there was any way to expedite the process because the sellers would like a Good Faith Estimate (GFE) as a guarantee of creditworthiness, and the mortgage representative said there was no way to make the process go faster.

On XX/XX/2015 I was called by a USAA Mortgage Representative stating that their underwriting department was wondering if there were more assets that I have available, to which I gave them my XXXX information. I was then told it could be up to another 3 days for a decision.  Again I told the representative of my situation and that I had already waited 2 days, to which I didn't think I should have to restart a 3 day wait again.  He again reiterated there was no way to make the process go faster.

On XX/XX/2015 I was notified of my loan approval. I asked to lock in a 3.625% rate program on a 30-year conventional loan, which she said she did.  I was informed they would be sending out my loan paperwork and GFE via XXXX.  I asked the representative to make that GFE available electronically so that I could send it to the sellers of the house I was trying to purchase.  The representative told me she would make the information available via USAA's electronic documents system.

On XX/XX/2015, the documents were still unavailable on USAA's electronic document system, however they arrived via XXXX and incorrectly showed a 3.25% interest rate with over $13,000 in origination and discount fees that I had never asked for, nor agreed to.  At approximately XXXX Arizona time, I called USAA to ask what was going on.  A mortgage representative verified that I had locked in a 3.625% rate and that new documents would be sent to me by XX/XX/2015. I informed her that I needed a GFE to give to the sellers and this was already taking 4 days longer than it should have. I asked her to either send the documents electronically or via fax.  She state that contrary to what was told to me the previous day, mortgage documents cannot be sent electronically, and that the department that sends our faxes had already gone home so they could not accommodate my request.
Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In the last XXXX months Citi Bank has sent XXXX 'Time is Running Out ' letters to me. XXXX every 30 days the last XXXX months. This is excessive in itself. 

The XXXX letter I called them and spoke with XXXX XXXX in XX/XX/XXXX. Applied for the loan, qualified for the refinancing, was told after a month into the process XXXX XXXX has this loan on some list they are maintaining that blocks me from refinancing my home even though I have an excellent credit rating. This in itself is discrimination. Even though this home is on the list, I have owned this home since XX/XX/XXXX, have not missed XXXX payment nor been late on any payment, and I feel I am being discriminated against. As I understand it if this home was located elsewhere it would be eligible. This singles out certain individuals, and blocks them from taking advantage of opportunities that other individuals have. 

In XXXX I received the XXXX letter, calling Citi I requested these solicitation to stop since they are aware I am ineligible for this refinancing. In XXXX I received the third letter. Again I called and requested to be removed from this list. I have once again received the 'Time is Running Out ' campaign letter in XXXX. When I called them in XXXX I stated if I received another letter I would file complaints against them. This is baiting me to respond because like many individuals refinancing to lower monthly payment is desirable. I am an excellent customer and to be treated in this matter is unacceptable. 

Since Citi bank is ignoring my request and I continue to get this letter of which I qualify for they need to honor this refinancing at no closing cost as stated in their letter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have XXXX student loans. The first XXXX are in ok shape because they are federal loans with XXXX. I currently do an income based repayment with the federal loans and my payment is {$0.00} a month. However I have a private loan through Sallie Mae that is about to go into default because I ca n't afford to pay the minimum payment. Sallie Mae continues to hound me for money because my account is past due but still refuse to work with me on repayment. I am seriously considering filing bankruptcy because I do n't know what else to do. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am a housing and credit XXXX with XXXX, XXXX XXXX. I am assisting XXXX XXXX in working on his delinquentmortgage. It began with XXXX, XXXX and XXXX then transferred'to Bank of America XXXX XXXX XXXX XXXX This is an FHA loan and itoriginated with XXXX, XXXX and XXXX. Over the past 9 yearsXXXX. XXXX has sought legal assistance on helping him with thisdelinquent mortgage. He has not made a mortgage payment duringthis time but not from lack of trying. He has spent much money onattorney fees in trying to get different options on his FHA loan. 

In XXXX 2014, XXXX XXXX signed deed in lieu documents with Bank ofAmerica. This year, he received his cancellation of debt from Bank ofAmerica from XXXX XXXX, 2014. 

Unfortunately, in XXXX 2014, servicing switched to XXXX XXXX. 
The Deed In Lieu had never been recorded. His FHA case number isstill open. 

This is stopping XXXX XXXX from obtaining future loans - from the openFHA case number. He 's been working towards resolution and finallydecided on the Deed In Lieu and it still has not been recorded. Theproperty is still in his name. XXXX XXXX is going to try to get XXXX XXXX to cancel the " cancellation '' thus again starting the countdown on closing out the FHA case number and further financingfor XXXX XXXX. 
The resolution is not helping XXXX XXXX and his family of XXXX find affordablehousing. He is renting but has cleaned up his credit report and wants tobuy a house again. Long story. BUT the loan is still NOT out of hisname and the house that he moved out of in XXXX 2014 is still in hisname. Just does n't seem right. 

Company response: Company chooses not to provide a public response
Consumer complaint: I did not know of predatory lending and was given a loan even though my income was not enough to cover the monthly payments and sustain daily living expenses. I have paid {$400.00} a month for 2 years and still owe the same amount in which I purchased the car for. I was also asked to pay a {$2000.00} down payment and it was not applied to car. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: About inspection fee. I called bank of America to let them know that I will be late on my payment before the due date about XXXX days before they should send any body to inspect my home. But they charge me for that which is not right. If I did not call they can charge me but I called already, they should not send any one to inspect my property. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid for and attempted to get my XXXX credit reports and XXXX credit scores from Experian using a product they advertised for {$39.00}. I paid the money and they could not provide the information citing a system error on their part. They say they have credited by credit card for the amount that was charged for this product and told me it will take XXXX business days for the money to be returned to my account. They told me they are not able to provide the product I requested and also do not know when they can make it available to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I 've had my checking account with b of a since 1999 & I 'M BEING CHARGED ERONEOUS FEESThe bank talked me into adding my husband so we could have a " tiered '' account and never be charged a fee, that was 4 years ago. 
We added husband. Every 6 months the bank drops my husband and we are charged eroneously the {$25.00} service fee. Every 6 months I have to call and complain, takes about XXXX - XXXX hours by the time I hold for the XXXX representatvie, then I 'm transferred ... again and again and again. It 's like they trick you into signing up for a special account then they switch it so you are charged. The last time this happened Bank of America advised me that their risk system is set up this way, to auto drop the tiered accounts and that there is no way to stop this from happening. I advised not the customer problem. You Bank of America need to fix this risk rule. Then in order to get my husband added back on, I have to get him conferenced in while they, Bank of America verify 's his information, they claim because it 's " maintenance '' being done on the account. I asked ... Is n't it maintenance to take him OFF the tiered account, that we DID NOT authorize, why is it ok for you to do maintenance on the account and take him off but now in order for us to avoid a fee suddenly you need authorization. Every six months we are charged {$25.00} for the bank, bank of america dropping us from the tiered plan. This is a joke, hoax and sounds illegal. They need to fix their " risk '' systems and stop stealing money from customers. 

The bank says it 's ok and they allow the bank to allow maintenance on the account to remove my husband from the tiered plan and charge us money ( no authorization needed to remove husbands from tiered acct so they can charge us ) But the then the bank says, they must have authorization, without authorization to add him back on tiered account that they removed him from, we will continue to be chargedThis is now the XXXX time this has happened. 
I have spent more than XXXX hours fixing this issue everytime the bank steals this service fee from our account 

Company response: Company chooses not to provide a public response
Consumer complaint: This company have put a duplicate accounts on my credit report. XXXX account ( account ending in XXXX ) does not belong to me they are reporting more than 120 days late. I open my account ( account ending in XXXX ) in XXXX 2015 XXXX payment was n't due till XXXX XXXX 2015 so how can I be 120 days late. I have never been late nor miss a payment with this company. I talk to the manager ( XXXX ) at the XXXX Ga. location which she admitted that she was the XXXX made the mistake and that she will fit it but have nothing been done yet... I have made dispute with all XXXX credit report agency cause I am a member with all XXXX but nothing have been done yet. This have made my score drop more than XXXX points and I am in the process of trying to get my house and car refinance for a better rate. 

Company response: Company chooses not to provide a public response