AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I received a court XXXX for a XXXX bill from XXXX years ago from a debt collection agency. I called immediately to ask what it 's from and they would n't give any information and said I can pay XXXX of it to settle it but that the legal process would n't stop. I asked how much half would be and they said XXXX, but the amount of suit on the summons is listed as XXXX. I hung up and called again and was given different information. I was told I could make a payment of {$400.00} and monthly installments and it would halt the legal process. I do n't know what this debt is for or how much I actually owe and I 'm getting different information from different people. When I said I was unemployed they just sat on the phone in silence. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a bank account with Ally my wife takes care of all our bank accounts we deposit a Ally and the freeze my account stating that I was depositing too many checks from her. Which I dont see why would that be a problem she is my wife we are trying to save when our pay check come in she write all the check to our billers and XXXX to our saving account. When I deposit the check again Ally freeze my account and they reason being is being I had too many checks coming from her. Then my account got sent to the fraud department and they lady name XXXX that they place over my account has been very rude and disrespectful towards myself and my wife it has been almost a month dealing with this case and every time we call into follow up she always act as through she has an attitude and do n't want to be bother with us. They still have my account lock and claim to ca n't find my deposit. 

Company response: Company chooses not to provide a public response
Consumer complaint: ALLY bank doesnt accept other form of identification but a social security number 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested my credit score and paid a special reduced fee for providing the score from Experian. Later, when I found out they had charged me {$21.00} in addition to the {$1.00}, I called them to cancel the charge and the account they said I had opened. Their representatives made me wait a long time on the phone before I could even talk to someone, and even then I found no legitimate reason for the charge. They said it was for a monthly membership but I told them I was not interested in this service. But they said I could not cancel it even though it was the XXXX day of the month-long " service. '' I have no idea what service they are providing and would like my money back. 

Company response: Company chooses not to provide a public response
Consumer complaint: Primary loan with XXXX requested an unpaid principal balance that should not exceed 8 % of the balance owed. On XXXX/XXXX/2015 at XXXX Called Bank of America ( BOA ) spoke to XXXX XXXX ID # : XXXX Said the account has been charged off, the loan has been forgiven and is no longer. XXXX transferred me to Charge off dpt. where I spoke to XXXX and said yes the account has been charged off. I asked BOA what is the reason for a short sale when the account has been charged off and is no longer, written off, no balance, loan has been forgiven?. Once BOA realized there was a potential for getting some income from the primary loan then the story changed. BOA is telling us that the account has been charged off however is still eligible for collection. How can you collect on something that is no longer? I asked ... Then the verbiage changed from the account is charged off to account not being written off and that written off means loan amt has been forgiven however charged off the loan can still be collected on. 

Company response: Company chooses not to provide a public response
Consumer complaint: This individual has called me almost every single day in regards to credit card debt that I have been unable to pay due to unemployment. He leaves numerous messages. He has called my parents, my brother, and most likely other individuals that share my last name. I called him today and he threatened me by saying that if I did not pay a certain amount that legal action would be taken. He hassled me to ask family members for money. I told him NOT to call my parents as I have not lived with them for XXXX years and they would not be paying this debt on my behalf. 

Company response: Company chooses not to provide a public response
Consumer complaint: This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX XXXX XXXX. XXXX XXXX unilaterally and incorrectly directed the monthly payments to payment of insurance, this error was subsequently corrected ( prove of the inaccuracy ) ; nevertheless the late payments continue to appear on my report. I am requesting that the account is removed due to this inaccuracy. 

Company response: Company chooses not to provide a public response
Consumer complaint: Hello, I am a XXXX XXXX XXXX from the University XXXX XXXX XXXX in XXXX XXXX, Ohio. 
I am writing to inquire about what the terms or grounds for harassment are regarding a student loan lending company? I am struggling to find a stable and secure position within my degree field and I have every intention of paying back what I owe in debt. However I am in a position that I do not possess the financial means to pay the lump sum they are demanding. 

I have pleaded for a deferment so that I can find a job and not have the added stress that they are burdening me with. They call my house dozens of times a day, at all hours of the day from very early morning till XXXX or later. They have also called my grandparents yesterday, and today have contacted a close friend from XXXX. 

I am a XXXX and have no knowledge of law when it comes to something that pertains to this predicament, I am just at wits end and plan to pay most of what I have in savings just to get them to subside for the time being so that I can devote more of my time to finding a stable job. 

Thank You. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After retaining counsel in XXXX of XXXX due to contact by XXXX XXXX XXXX a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney XXXX XXXX XXXX OH contacted said collection firm and asked to set up a payment schedule - debited directly from my bank account. Attorney XXXX NEVER had a call returned from XXXX XXXX the contact person on record for this action with XXXX XXXX XXXX in XXXX OH. I am on XXXX, as my only source of income. 
Being a seasonal employee at XXXX XXXX in XXXX - I was contacted by XXXX XXXX that my wages would be garnished at 25 % of net pay, when I worked for XXXX XXXX - working for XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX - I had {$2800.00} garnished from my paychecks - a MAJOR setback for my finances as my XXXX barely covers my monthly overhead. 
Efforts by Attorney XXXX to reach XXXX XXXX at XXXX XXXX XXXX to arrive at an equitable monthly payment - directly debited from my account. Went unanswered by phone and writing. 
A complete written history since judgement was rendered by the court toward my effort to establish payment schedule, through counsel is 100 % factual. This Collection agency - XXXX XXXX XXXX has totally ignored all requests by counsel & has circumvented equitable protocol to establish a payment schedule for re-payment of this debt. 

Company response: Company chooses not to provide a public response
Consumer complaint: Repeated calls being informed that they are trying to serve me some legal documents. Misrepresenting themselves and leaving threatening voicemails. Constant and frequent calls with none on the other end and ghost calls to relatives. Cease and desist emailed and faxed. I have XXXX XXXX and they are stressing myself and my XXXX year old mother. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: US Bank had XXXX accounts under my name and I thought you could write a check for XXXX account to deposit it into the other account, because XXXX account I thought had overdraft protection. XXXX disagreed with me and said that I was XXXX XXXX '' checks. I 'm XXXX and I feel she reported me to Chex Systems for a poor reason, granted that I was confused and had no idea this was n't allowed. She took advantage of my XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America continues to charge me late fees within the 30 day window. I pay my mortgage within the 30 day window, i.e. my payment is due XXXX XXXX and I pay before XXXX XXXX and they charge me a {$90.00} late fee 

Company response: Company chooses not to provide a public response
Consumer complaint: I am hoping you can help me resolve what I feel is unfair reporting and unclear communication with a prior lender about an old account in default. 
This is in regards to my auto loan previously with XXXX finance which is now Ally Financial. I did voluntarily repo the car however they are currently not showing accurate pay history on my credit report and have not communicated when this will be removed due to the 7 year rule. From my understanding of the fair credit reporting act a creditor is supposed to remove and no longer report a negative item 7 years from the XXXX late payment or negative information is shown. 
The account number for this account is XXXXMy name is XXXX XXXXMy Social is XXXX. 

I have disputed with both the credit buros and sent a letter to XXXX. I received a form letter response but they did not answer my question regarding my pay history and when they would cease reporting this negative information on my credit report. 

I would like this removed as soon as possible and if they feel this is not yet supposed to be removed legally I am at least owed a very clear explanation of when it is scheduled to be removed. 

Ally 's address isAlly FinancialXXXX XXXX XXXX, MN XXXX have not found a working phone number to discuss this with their credit reporting department. 

Thanks you, XXXX XXXX ( cel ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried to request my annual credit reports from all three credit reporting agencies. ( XXXX, Experian, & XXXX ). After asking for my general information, and my social security number, date of birth, etc., I was asked XXXX or XXXX questions about my checking account, if a home i currently live in or did live in is in a specific town, if i worked at a certain company, etc. I went through this XXXX ( because it timed out both times ) but the XXXX time I had a problem because I had to look for the deed to my home, to see the exact year it was built, the question was ridiculous. It asked the year it was built, not the approx. year it was built, but the year it was built. I bought the home in XX/XX/XXXX. It was built ( i have since found out ) in XX/XX/XXXX. I knew it was around then, but not exactly that year. The answers to the questions were : XX/XX/XXXX-XX/XX/XXXX or XX/XX/XXXX-XX/XX/XXXX. I mean, if i was guessing, which is what i would have been doing, it could have gone either way XXXX XXXX??? it ends up i can not get my reports on line now. I am very upset about this. The people generating these questions should think a bit before putting them out there. I recently had to answer a question for my bank and it was about a cousin of mine and if he owned land in some state, I havent even seen him in years. It is ridiculous. 

regards 

Company response: Company chooses not to provide a public response
Consumer complaint: In my report is u.s.bank which I never used and it was reported as account abuse, reported on XXXX/XXXX/XX/XX/2011 the amount of XXXX I never put any type of money in that account or had any checks for it either, so I would like to dispute this file the routing # XXXX and the account # ends in XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been in chapter XXXX since XX/XX/2011. The case was turned to chapter XXXX and discharged last year. I have been waiting to receive repayment instruction from the bank on this loan. Nothing yet. Yesterday I get a harassing call from a collection agency, XXXX XXXX XXXX. I am willing to go on payment plan and repay but ca n't afford lump sum and do not want to deal with collection agency. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have inquiry alerts through my bank. On XXXX XXXX, XXXX, i received a inquiry alert fromt Banner Finance, DBA Commerce Finance XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Texas had done a hard inquiry. I had a Signiture loan back in XXXX, that was paid. I contact Corporate XXXX Banner Finance and spoke to Secretary XXXX. I ask why was a inquiry done on my behalf, if i had not applied for a line of credit now. She responded that they have the right to collect old debt. So again second inquiry done on XXXX XXXX, XXXX. I believe this Company is unlawfully using my SS # for wrong business. They have never contacted me by phone or by mail. I believe its fraudulent on what is being done. I am requesting for those inquiries to be removed from my credit reporting. Your immediate attention is needed., Thanks Concern Consumer 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I filed my income taxes to turbo tax .I was supposed to have my refund direct deposited onto a prepaid debit card from net spend. I never received it and I called NetSpend they cancel my acardand I have not been able to receive my refund .they said they sent my refund back the IRS but I have information that it 's in an account At XXXX bank. I have a letter of reserch stating wher my funds was deposited. i just dont know how to attach the documment in this complaint. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: CitCards has been charging me a penalty/default APR for over 2 years, yet the pricing information for account says the rate only applies for 6 months. I have brought this to their attention, but they have not resolved the situation, and have refused to do so. 

A copy of my email exchanges with them, as well as their Pricing Information is attached. See the section titled " Penalty APR and When it Applies '' and the subtopic titled " How Long Will the Penalty APR Apply? '' 

Company response: Company chooses not to provide a public response
Consumer complaint: Applied for a loan modification back in XX/XX/XXXX, loan representive at the time was XXXX XXXX. I was told by XXXX XXXX back in XX/XX/XXXX that the loan modification was approved and that I would be receiving a package by fed ex to go over the terms. At that time I ask XXXX XXXX about the late payments he stated as long as I am under review for a modification the late payments is not a issue. Here it is XX/XX/XXXX never received the fed ex package with the so call terms. I 've been calling since XX/XX/XXXX trying to get an answer and I have n't as of yet ( XX/XX/XXXX ). This really bothers me been that foreclosure is very high in Florida. I need to know the status of this loan if I qualify for the modification or not. My plans are to keep this home but I definitely do n't want to get so far behind where I see there is no way to catch up. This loan was bought from XXXX back in XX/XX/XXXX, I actually was under a loan modification review with XXXX when this loan was transferred. BSI Financial Service has been giving me the run arounds since day XXXX, now I 'm told by XXXX XXXX that the representive I had XXXX XXXX is no longer with the company and that she ( XXXX XXXX ) will be my representive, not to my surprise XXXX XXXX states she can not find the loan modification package that was sent to my previous representive XXXX XXXX. To me another stall tactic to get my payments further behind so that BSI can put me in foreclosure. I need answer from BSI Financial Services ASAP ... ... 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Bank of America closed my accounts without my knowledge and has not sent out my money as promised. It has been since XXXX 2014. I had a business account : XXXX XXXX XXXX and a personal account. They owe me {$500.00} of my money which was never returned. I keep getting the run around from this bank. They claimed they sent out cashiers checks on XXXX occasions. It does n't take 6 months to receive a cashiers check. Please help me get my {$500.00} back! It was closed because of XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX I took a HELOC with Bank of America XXXX. {$50000.00}. 
XXXX XXXX XXXX I sold house. 
Did not use HELOC {$50000.00} Bank of America closed balance XXXX letter to title co. 
Moved to XXXX with daughter XX/XX/XXXXMet with new rep wealth management Bank of America in XXXX to transfer assets from XXXX chkg and saving accounts to new address with daughter. During that mtg I inquired on using monies from assets advised a penalty but could take a personal loan out using assets, XXXX XXXX took personal loan for {$50000.00}. payments from ckg account $ XXXX % XXXX Was XXXX for months. upon return I was notified a LIEN ON PROPERTY XXXX CALLED BANK IMMEDIATELY TO CORRECT XXXX. 
BofA closed old account changed % XXXX but continue to keep as HELOC and LIEN ON PROPERTY .... FOR PAST 8+ YEARS HAVE TRIED TO CORRECT THIS WITH NO AVAIL IN XXXX BOA FINALLY TOOK OFF LIEN AND NOW STATE IT IS A UNSECURED LOAN WITH INTEREST PAYMENTS FOR 180 months ( 10 YEARS ) I HAVE SEVERAL LETTERS FROM REPRESENATIVES WITH DIFFERENT STORIES ABOUT THIS SITUATION BUT ALWAYS ENDING WITH THE SAME DOCUMENT SIGNED IN XXXX AS BINDING LEGAL DOCUMENT ... EVEN THE CEO OFFICE ADVOCATES COULD NOT GET IT STRAIGHT NO LIEN YES A LIEN NO HELOC YES HELOC PLEASE HELP ME I HAVE EVEN HAD MY XXXX AND PRIMARY DOCTOR WRITE AND ASKED TO RESOLCVE THIS AS IT IS MAKING ME ILL. MY HUSBAND WAS AXXXX YEARS XXXX WHO PASSED IN XXXX XXXX HE SERVED A TOTAL OF XXXX XXXX YEARS FOR OUR COUNTRY HIGHLY DECORATED I HAVE TOLD BANK OF AMERICA MY INTENTION HAS ALWAYS BEEN TO PAY THIS THIS IS NOT MY DISPUTE BUT THE WAY IT HAS BEEN HANDLED NOT TO MENTION THE AMOUNT TO BE PAID THEY CHANGE THE AMOUNT FROM {$430.00} TO $ XXXXNOW THEY SAY I LIED TO THEM I SOLD A HOUSE DID NOT TELL THEM. ALSO THEY CONTINUE TO SEND XXXX FOR WHAT? PLEASE FEEL FREE TO CONTACT ME IF YOU NEED ANY ADDITIONAL INFORMATION. EVERYONE I ASK FOR HELP TELLS ME BANK OF AMERICA IS TOO BIG TO PLAY WITH ... THANK YOU IN ADVANCE FOR YOUR CONSIDERATION IN THIS MATTER ... XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a loan with Quicken Loans. I was pre-qualified not long after submitting my application and was requested to pay the non-refundable {$500.00} towards an appraisal. Once the appraisal fee was paid, my application went to the underwriter for review. On XXXX XXXX, 2015 my real-estate agent and builder received a letter indicating my loan application had been approved and fully underwritten. The letter indicated that my income, employment, and credit scores have been verified, but my loan had been approved contingent upon receiving the appraisal, title commitment and homeowners insurance. All of which were completed within weeks of this notice and a closing date of XXXX XXXX, 2015 had been scheduled. 

At this point, I completed the final earnest deposit installment with the builder for a total of {$12000.00} which authorized the builder to began making a few requested customizations to the home and set an closing date as well. 

A few days into this process I received a call from a Rep asking me to provide proof of timely payments for a previous mortgager lender because my report show untimely payments. Again, I provided this information immediately ; however, I received a formal denial letter on XXXX XXXX that my loan was denied due to past credit history. 

After providing proof of timely payments, completion of a credit supplement/rescore, credit verification phone interview and providing an explanation letter Quicken reversed the original denial and approved my loan for the XXXX time. In my opinion, reviewing past credit history is mortgage underwriting XXXX. Why did Quicken approve my loan initially, advise my realtor and builder, then ask for supporting documentation only to deny the loan? 

The builder, XXXX XXXX has now instructed me that because they have set XXXX closing dates and because I did n't close, I am now considered in default of my contract and they will be retaining my {$12000.00} earnest money deposit. I am in no financial position to write off {$12000.00} due to the incompetence of a mortgage lender. If my loan application did not meet Quicken 's criteria I should have never been lead not XXXX, but XXXX and placing my life savings in jeopardy. I am requesting that Quicken reimburse me for the earnest deposit in the amount of {$12000.00}. I will also be reporting this issue with my employer who endorsed Quicken loans as well as offered incentives to open loans with this organization. 

Company response: Company chooses not to provide a public response